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      "title": "T, U, V, W, X, Y, Z {#Chunk1136244686}",
      "content": "# T, U, V, W, X, Y, Z \n\nSES Glossary of terms, T-Z.\n\n## Tasks \n\nAction items in SES requiring completion.\n\n## Third Party User \n\nSES users added to a supervisory activity by a company user. Unlike company users, third party users are granted access to only certain supervisory activities, at the discretion of the company.\n\n## Time Frame \n\nThe begin and end dates pertaining to an information request, may differ from the examination period.\n\n## Violation \n\nA type of finding in SES. A violation includes an act or omission by the company that amounts to the transgression of a law, regulation, rule, or administrative code. The agency may require the company to take steps to correct the violation and there will generally be a follow-up from the state agency regarding the plan or steps that the company will take to correct the violation.\n\n## Work Programs \n\nSES functionality that automatically builds the scope of an examination, including areas for review and information requests, based on the business type and business activities of the company being examined. The work program incorporates a “badge feature” when its key AFRs are used and also shows the program’s affiliation where applicable \\(e.g., MTRA, NACCA\\). The badge feature assists agencies in determining which examinations they want to review for leveraging or acceptance of exams.",
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      "headings": [
        "T, U, V, W, X, Y, Z {#Chunk1136244686}",
        "Tasks {#glossentry_tasks}",
        "Third Party User {#glossentry_third_party_user}",
        "Time Frame {#glossentry_time_frame}",
        "Violation {#xd_880651c89ae23cf9--57b58253-18350ee9da1--7fe6}",
        "Work Programs {#xd_6598e38c1b0f3b54--390a811c-18de0a9e0a8--7ff9}"
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    {
      "id": "Chunk1232953036.md:chunk-0",
      "title": "Q-R {#Chunk1232953036}",
      "content": "# Q-R \n\nSES Glossary of terms, Q-R.\n\n## QuickIR \n\nQuickIR allows a company to browse through the standard information requests \\(IRs\\) in the State Examination System \\(SES\\) and prepare responses to those IRs in advance of an upcoming examination.\n\nQuickIR\n\n### QuickIR \n\n## Recommendation \n\nA type of finding in SES. Offers an opportunity for the company to improve compliance or risk management posture with a statute, regulation, rule, company policy/procedure or other regulatory expectation.\n\n## References \n\nWorkpapers, templates, websites, and/or any other supplemental reference material that an agency may choose to use used to support the supervision process, and to better navigate SES. References are managed in the SES Library. See Managing the Library for more information.\n\nreferences\n\n## Report Commentary \n\nFeedback provided by the state regulatory agency participants on a supervisory activity to help put together the report of examination.\n\n## Report of Examination \n\nA formal document provided to the examinee after the examination has been completed and the examiner reaches a determination regarding its evaluation of the company. It provides a summary of the findings and may include instructions for corrective actions that must be taken by the examinee.\n\nReport of Examination \\(ROE\\)\n\n### ROE { .glossAlt}\n\n## Regulatory User Group \n\nRegulatory User Group \\(RUG\\)\n\n### RUG { .glossAlt}",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\Chunk1232953036.md",
      "relative_path": "Chunk1232953036.md",
      "headings": [
        "Q-R {#Chunk1232953036}",
        "QuickIR {#xd_e683677add681213-7a94f831-1819fcdc2c8--7ffd}",
        "QuickIR {#glossAlt_abg_xhs_gtb .glossAlt}",
        "Recommendation {#xd_880651c89ae23cf9--57b58253-18350ee9da1--7fe5}",
        "References {#glossentry_reference}",
        "Report Commentary {#glossentry_rep_commentary}",
        "Report of Examination {#glossentry_roe}",
        "ROE { .glossAlt}",
        "Regulatory User Group {#glossentry_rug}",
        "RUG { .glossAlt}"
      ],
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    {
      "id": "Chunk1236021183.md:chunk-0",
      "title": "S {#Chunk1236021183}",
      "content": "# S \n\nSES Glossary of terms, S.\n\n## Scheduled \n\nPart of a Milestone. It occurs when the EIC defines the scope for the supervisory activity.\n\n## Scope \n\nThe review components/procedures and time frame a regulatory agency determines will be included in an examination. Below is a list of the different scope types and scope type definitions that are available in SES:\n\nAccepted Scope\n:   When an agency chooses to count another agency's SA as their own with minimal to no additional work. The agency may choose to send clarification questions to the company following review of the other agency’s SA depending on the information the agency has on file for the institution.\n\nDesk Review Scope\n:   Short review of a company with minimal to no loan volume and new licensees. Requires very few to no information requests – agency relies on what it has on file or what is in NMLS.\n\nFollow Up Scope\n:   Includes, but is not limited to the review of items needed to determine if the company remediated issues prior to examination findings.\n\nFull Scope\n:   Includes, but is not limited to the review of standard core information requests, state-specific information requests, or loans \\(i.e., transactional review\\).\n\nInitial Compliance Review Scope\n:   Includes, but is not limited to the review of: new companies \\(e.g., with six, 12, or 24 months of licensure\\). Typically driven by accreditation standards.\n\nLeveraged Scope\n:   When an agency chooses to use parts of another agency's SA but will also send additional material to the company if necessary \\(e.g., Information Requests, Report of Examination, MRAs\\).\n\nLimited Scope\n:   Includes, but is not limited to the review of reduced set of requirements from the standards and state-specific IRs, reduced number of loans, companies with limited licensing volume, companies that are bound to a related entity that is being examined in full, or a specific issue \\(e.g., stemming from a complaint, identifying compliance risk, first touch point with the c",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\Chunk1236021183.md",
      "relative_path": "Chunk1236021183.md",
      "headings": [
        "S {#Chunk1236021183}",
        "Scheduled {#glossentry_scheduled}",
        "Scope {#glossentry_exam_scope}",
        "Single Sign-On {#glossentry_sso}",
        "Single-agency Examination {#glossentry_single_agency_exam}",
        "Standard Information Request {#glossentry_sir}",
        "Standard IRs and Procedures {#g_standard_library_item}",
        "State Examination System {#SES}",
        "SES { .glossAlt}",
        "State Regulatory Registry {#glossentry_srr}",
        "SRR { .glossAlt}",
        "Structure {#glossentry_structure}",
        "Staff Director or User {#glossentry_staff_dir_user}",
        "Supervisory Activity {#glossentry_sup_act}",
        "Support Users {#glossentry_sup_user}"
      ],
      "html_link": "/docs/Chunk1236021183.html",
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    {
      "id": "Chunk1236021183.md:chunk-1",
      "title": "S {#Chunk1236021183}",
      "content": "ng volume, companies that are bound to a related entity that is being examined in full, or a specific issue \\(e.g., stemming from a complaint, identifying compliance risk, first touch point with the company, review of a specific AFR\\).\n\nNetworked Scope\n:   Any type of multistate exam where state agencies network with each other to perform one examination of a typically large institution all at the same time. The examination can be conducted under the guidance of a functional committee \\(MMC, MTRA, NACCA SCC\\).\n\n## Single Sign-On \n\nThe ability to use existing credentials for multiple software applications, thus requiring only one “log in” for the user.\n\n## Single-agency Examination \n\nAn examination conducted by a single agency. \\(Synonym: Independent Examination, Single Exam, Single‐state Exam\\)\n\n## Standard Information Request \n\nAn information request that is available to all agencies in the SES Library, added by CSBS.\n\n## Standard IRs and Procedures \n\nThese items are available in SES to facilitate the harmonization of exam activities among state agencies, by offering a uniform set of information requests and procedures for use by all state agency users. CSBS works and coordinates with its sister trade associations and agency working groups to implement, maintain, and update the standards in the system.\n\nstandard library items\n\n## State Examination System \n\nState Examination System \\(SES\\)\n\n### SES { .glossAlt}\n\n## State Regulatory Registry \n\nA nonprofit subsidiary of the Conference of State Bank Supervisors \\(CSBS\\) that operates NMLS on behalf of state financial services regulatory agencies.\n\nState Regulatory Registry \\(SRR\\)\n\n### SRR { .glossAlt}\n\n## Structure \n\nSingle or multi-state supervisory activity.\n\n## Staff Director or User \n\nAn agency user role in the System, responsible for identifying examinees and initiating examinations.\n\n## Supervisory Activity \n\nAn activity conducted by a state agency over a financial institution under its regulatory authority. It ",
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      "relative_path": "Chunk1236021183.md",
      "headings": [
        "S {#Chunk1236021183}",
        "Scheduled {#glossentry_scheduled}",
        "Scope {#glossentry_exam_scope}",
        "Single Sign-On {#glossentry_sso}",
        "Single-agency Examination {#glossentry_single_agency_exam}",
        "Standard Information Request {#glossentry_sir}",
        "Standard IRs and Procedures {#g_standard_library_item}",
        "State Examination System {#SES}",
        "SES { .glossAlt}",
        "State Regulatory Registry {#glossentry_srr}",
        "SRR { .glossAlt}",
        "Structure {#glossentry_structure}",
        "Staff Director or User {#glossentry_staff_dir_user}",
        "Supervisory Activity {#glossentry_sup_act}",
        "Support Users {#glossentry_sup_user}"
      ],
      "html_link": "/docs/Chunk1236021183.html",
      "snippet": null
    },
    {
      "id": "Chunk1236021183.md:chunk-2",
      "title": "S {#Chunk1236021183}",
      "content": ", responsible for identifying examinees and initiating examinations.\n\n## Supervisory Activity \n\nAn activity conducted by a state agency over a financial institution under its regulatory authority. It includes examinations, investigations, and enforcement actions.\n\n## Support Users \n\nNMLS support staff who have been trained to provide assistance to system users.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\Chunk1236021183.md",
      "relative_path": "Chunk1236021183.md",
      "headings": [
        "S {#Chunk1236021183}",
        "Scheduled {#glossentry_scheduled}",
        "Scope {#glossentry_exam_scope}",
        "Single Sign-On {#glossentry_sso}",
        "Single-agency Examination {#glossentry_single_agency_exam}",
        "Standard Information Request {#glossentry_sir}",
        "Standard IRs and Procedures {#g_standard_library_item}",
        "State Examination System {#SES}",
        "SES { .glossAlt}",
        "State Regulatory Registry {#glossentry_srr}",
        "SRR { .glossAlt}",
        "Structure {#glossentry_structure}",
        "Staff Director or User {#glossentry_staff_dir_user}",
        "Supervisory Activity {#glossentry_sup_act}",
        "Support Users {#glossentry_sup_user}"
      ],
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    {
      "id": "Chunk1547121401.md:chunk-0",
      "title": "O-P {#Chunk1547121401}",
      "content": "# O-P \n\nSES Glossary of terms, O-P.\n\n## Observation \n\nA type of finding in SES that a company should take into consideration in order to improve their overall risk management posture or compliance with an internal policy or regulatory expectation.\n\n## Onscreen Data Field \n\nData that is either typed in the System by the user, for example, a comment box that accompanies a file upload function in the System, or data that is generated by the System and displayed to SES users on their screens.\n\n## Package Assembler \n\nAn agency user role in the System, in charge of putting together the report of exam \\(ROE\\), all documentation, comments, and invoicing information. The package assembler can be the EIC or any staff user at your agency.\n\n## Participants \n\nAny SES user that is assigned a role in the system on a supervisory activity.\n\n## Participating Agency \n\nA regulatory agency that is taking part in an examination.\n\n## Planning \n\nPart of a Milestone. It occurs when the EIC defines the scope for the supervisory activity.\n\n## Pending \n\nPart of a Milestone. It occurs when a supervisory activity is initiated and reviewed by a regulatory agency and it is placed on their schedule.\n\n## Point of Contact \n\nPoint of Contact \\(POC\\)\n\n### POC { .glossAlt}\n\n## Procedures \n\nEntries used to guide examiners during the examination in the review of company documentation or compliance with statutes, regulations, and other requirements. Procedures are managed in the SES Library. See Managing the Library for more information.\n\nprocedures",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\Chunk1547121401.md",
      "relative_path": "Chunk1547121401.md",
      "headings": [
        "O-P {#Chunk1547121401}",
        "Observation {#xd_880651c89ae23cf9--57b58253-18350ee9da1--7fe4}",
        "Onscreen Data Field {#glossentry_onscreen_data_field}",
        "Package Assembler {#glossentry_pack_assem}",
        "Participants {#glossentry_participants}",
        "Participating Agency {#glossentry_participating_agency}",
        "Planning {#glossentry_planning}",
        "Pending {#glossentry_pending}",
        "Point of Contact {#glossentry_poc}",
        "POC { .glossAlt}",
        "Procedures {#glossentry_procedure}"
      ],
      "html_link": "/docs/Chunk1547121401.html",
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    {
      "id": "Chunk1708918665.md:chunk-0",
      "title": "E {#Chunk1708918665}",
      "content": "# E \n\nSES Glossary of terms, E.\n\n## Examiner in Charge \n\nAn agency user role in the System, responsible for scoping examinations, assigning examination tasks, and generating and finalizing a report of examination. May also conduct examination tasks and document findings.\n\nExaminer in Charge \\(EIC\\)\n\n### EIC { .glossAlt}\n\n## Entity \n\nA natural person, organization, agency, or business that has a legal and separate identifiable existence.\n\n## Examination \n\nA supervisory activity conducted by a regulatory agency that reviews an institution's compliance with laws, regulations, and safety and soundness standards.\n\n## Examination Period \n\nBegin and end dates indicating the time span of an examination.\n\n## Examiner \n\nA state regulatory agency representative responsible for conducting review tasks and documenting findings under the supervision of an Examiner in Charge or Examination Lead.\n\n## Exceptions \n\nAdverse findings discovered during an evaluation of a company not aligning to a specific policy, rule, regulation, or other requirements. These include violations of regulations or deficiencies discovered during management reviews.\n\n## Exit Meeting \n\nAn examiner's meeting with the institution's management or management and board of directors to communicate preliminary supervisory findings and conclusions from an examination.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\Chunk1708918665.md",
      "relative_path": "Chunk1708918665.md",
      "headings": [
        "E {#Chunk1708918665}",
        "Examiner in Charge {#glossentry_eic}",
        "EIC { .glossAlt}",
        "Entity {#glossentry_entity}",
        "Examination {#glossentry_exam}",
        "Examination Period {#glossentry_exam_period}",
        "Examiner {#glossentry_examiner}",
        "Exceptions {#glossentry_exceptions}",
        "Exit Meeting {#glossentry_exit_meeting}"
      ],
      "html_link": "/docs/Chunk1708918665.html",
      "snippet": null
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    {
      "id": "Chunk1996227012.md:chunk-0",
      "title": "L, M, N {#Chunk1996227012}",
      "content": "# L, M, N \n\nSES Glossary of terms, L through N.\n\n## Lead Agency \n\nIn multi-state examinations, Lead Agency is the agency responsible for overseeing completion of examination tasks related to one or more components.\n\n## Leveraging an exam \n\nAllows a state agency to use another agency's completed examination as a starting point to further conduct its own review of the company.\n\n## Library \n\nA collection of the resources used and/or created by a state regulatory agency that reside in the System to conduct their supervisory activities. Library items consist of procedures, information requests, references and areas for review.\n\n## Milestone \n\nStatus indicators for a supervisory activity in SES: Pending, Scheduled, Planning, In-Flight, Drafting, Close Out, Closed.\n\n## Matters Requiring Attention \n\nSystem functionality that allows a state agency to communicate and track issues or concerns that the agency expects a company to address at the conclusion of the examination or investigation.\n\nMatters Requiring Attention \\(MRA\\)\n\n### MRA { .glossAlt}\n\n## Multi-state Examinations \n\nAn examination of an entity involving two or more states.\n\n## Nationwide Multistate Licensing System & Registry \n\nA holistic system for licensing, registering, and supervising entities in the financial services industries.\n\nNationwide Multistate Licensing System & Registry \\(NMLS\\)\n\n### NMLS { .glossAlt}\n\n## Non-core \n\nNon-core Procedures and Non-core Information Requests will not be automatically added to an exam or investigation, but can be easily added if appropriate. Attributes the system uses to determine IRs and procedures available for quick add:\n\n-   Scope Type\n-   Business Activities\n-   AFR\n\nnon-core\n\n## Non-NMLS Entity \n\nA record created for an unknown or unreachable entity that could be operating without a license. Non-NMLS entities are created by agency complaint users with the purpose of enabling tracking of these entities across agencies. Since they are unknown or unreachable, you cannot",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\Chunk1996227012.md",
      "relative_path": "Chunk1996227012.md",
      "headings": [
        "L, M, N {#Chunk1996227012}",
        "Lead Agency {#glossentry_lead_agency}",
        "Leveraging an exam {#glossentry_leverage}",
        "Library {#glossentry_library}",
        "Milestone {#glossentry_milestone}",
        "Matters Requiring Attention {#glossentry_mra}",
        "MRA { .glossAlt}",
        "Multi-state Examinations {#glossentry_mse}",
        "Nationwide Multistate Licensing System & Registry {#glossentry_nmls}",
        "NMLS { .glossAlt}",
        "Non-core {#g_non_core}",
        "Non-NMLS Entity {#glossentry_non_nmls}"
      ],
      "html_link": "/docs/Chunk1996227012.html",
      "snippet": null
    },
    {
      "id": "Chunk1996227012.md:chunk-1",
      "title": "L, M, N {#Chunk1996227012}",
      "content": "ng without a license. Non-NMLS entities are created by agency complaint users with the purpose of enabling tracking of these entities across agencies. Since they are unknown or unreachable, you cannot interact with them using SES, but complaints can be created against these entities to inform other agency users of their reported activity.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\Chunk1996227012.md",
      "relative_path": "Chunk1996227012.md",
      "headings": [
        "L, M, N {#Chunk1996227012}",
        "Lead Agency {#glossentry_lead_agency}",
        "Leveraging an exam {#glossentry_leverage}",
        "Library {#glossentry_library}",
        "Milestone {#glossentry_milestone}",
        "Matters Requiring Attention {#glossentry_mra}",
        "MRA { .glossAlt}",
        "Multi-state Examinations {#glossentry_mse}",
        "Nationwide Multistate Licensing System & Registry {#glossentry_nmls}",
        "NMLS { .glossAlt}",
        "Non-core {#g_non_core}",
        "Non-NMLS Entity {#glossentry_non_nmls}"
      ],
      "html_link": "/docs/Chunk1996227012.html",
      "snippet": null
    },
    {
      "id": "Chunk408435295.md:chunk-0",
      "title": "A-B {#Chunk408435295}",
      "content": "# A-B \n\nSES Glossary of terms, A-B.\n\n## Accepting an exam \n\nUsed by an agency after conducting an internal assessment and determining that it can fully accept another agency's completed examination outright, without further review of the licensee and in lieu of conducting its own examination.\n\n## Active \n\nStatus of an open supervisory activity.\n\n## Area for Review \n\nA topic of regulatory review that can be used to define the scope of an examination or investigation. It assists in categorizing the Information Requests and Procedures in an examination. Areas for review are managed in the SES Library. See Managing the Library for more information.\n\nArea for Review \\(AFR\\)\n\n### AFR { .glossAlt}\n\n## Agency \n\nState agency that supervises the activities of the financial services industry under its regulatory authority.\n\n## Agency-Specific Library Items \n\nAgencies can manage their own state-specific IRs, procedures, and references. These state-specific items should be unique or different from a standard library item, whereby the agency cannot rely solely on the standard.\n\nagency library items\n\n## Alleged Violation \n\nThis type of potential finding is used only in the SES Consumer Complaints area of the system. An alleged violation is a potential finding against the company identified by the state agency during the handling of a complaint about the company in SES Consumer Complaints. Alleged violations are identified by the state agency during the agency’s research and assessment of facts and circumstances surrounding the consumer complaint, and communication with the company about the complaint.\n\n## Asset Review Date \n\nThe as-of date for certain asset portfolio data requested. This date is an optional field in the system and may not apply to certain business types.\n\n## Attachment File \n\nFiles that are uploaded to the System by SES users during the course of a supervisory activity.\n\n## Business Activity \n\nAny activity a business engages in for the primary purpose of making a ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\Chunk408435295.md",
      "relative_path": "Chunk408435295.md",
      "headings": [
        "A-B {#Chunk408435295}",
        "Accepting an exam {#glossentry_accept}",
        "Active {#glossentry_active}",
        "Area for Review {#glossentry_afr}",
        "AFR { .glossAlt}",
        "Agency {#glossentry_agency}",
        "Agency-Specific Library Items {#g_agency_library_item}",
        "Alleged Violation {#xd_880651c89ae23cf9--57b58253-18350ee9da1--7fe3}",
        "Asset Review Date {#glossentry_ard}",
        "Attachment File {#glossentry_af}",
        "Business Activity {#glossentry_ba}",
        "Business Type {#glossentry_bt}"
      ],
      "html_link": "/docs/Chunk408435295.html",
      "snippet": null
    },
    {
      "id": "Chunk408435295.md:chunk-1",
      "title": "A-B {#Chunk408435295}",
      "content": "t File \n\nFiles that are uploaded to the System by SES users during the course of a supervisory activity.\n\n## Business Activity \n\nAny activity a business engages in for the primary purpose of making a profit. This is a general term that encompasses all the economic activities carried out by a company during the course of business.\n\n## Business Type \n\nThe product or service offered by the financial institution to consumers.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\Chunk408435295.md",
      "relative_path": "Chunk408435295.md",
      "headings": [
        "A-B {#Chunk408435295}",
        "Accepting an exam {#glossentry_accept}",
        "Active {#glossentry_active}",
        "Area for Review {#glossentry_afr}",
        "AFR { .glossAlt}",
        "Agency {#glossentry_agency}",
        "Agency-Specific Library Items {#g_agency_library_item}",
        "Alleged Violation {#xd_880651c89ae23cf9--57b58253-18350ee9da1--7fe3}",
        "Asset Review Date {#glossentry_ard}",
        "Attachment File {#glossentry_af}",
        "Business Activity {#glossentry_ba}",
        "Business Type {#glossentry_bt}"
      ],
      "html_link": "/docs/Chunk408435295.html",
      "snippet": null
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    {
      "id": "Chunk691344943.md:chunk-0",
      "title": "C-D {#Chunk691344943}",
      "content": "# C-D \n\nSES Glossary of terms, C-D.\n\n## Close Out \n\nPart of a Milestone. It occurs when the company responds to the report of examination and the EIC fills out the close out form.\n\n## Closed \n\nPart of a Milestone. It occurs when the examination of a company concludes. No actions can be taken on the supervisory activity once it is closed. However, the company can still respond to the MRAs.\n\n## Company SES ID \n\nUnique identifier for a company in SES.\n\n## Complaint \n\nA submission from a consumer that express dissatisfaction with, or communicate suspicion of wrongful conduct by, an identifiable entity related to a consumer’s personal experience with a financial product or service.\n\n## Component Rating \n\nFindings include any conclusion, observation, or record generated during the course of an examination that an examiner determines is noteworthy and of importance to the examination. This includes exceptions \\(adverse findings\\).\n\n## Core \n\nCore and non-core labels are attributes associated with information requests and procedures that control whether these items will be automatically retrieved from the library and inserted directly into an exam record given the exam’s business activities and scope selections.\n\nThe core designation can be applied to both standard and agency-specific procedures and information requests.\n\n-   CSBS staff, with guidance from the appropriate governing bodies, manage the scope types for the standard IRs and procedures.\n-   Agencies manage the scope types for their own state-specific library items.\n\nCore Information Requests are automatically pulled on to an exam or investigation once scope is marked complete. Core procedures are automatically pulled on to an exam or investigation once the supervisory activity is moved to the “In-Flight” milestone. Attributes the system uses to make this determination:\n\n-   Scope Type\n-   Business Activities\n-   AFR\n\ncore\n\n## Custom Information Request \n\nCustom information requests that reside in a specific agen",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\Chunk691344943.md",
      "relative_path": "Chunk691344943.md",
      "headings": [
        "C-D {#Chunk691344943}",
        "Close Out {#glossentry_close_out}",
        "Closed {#glossentry_closed}",
        "Company SES ID {#glossentry_company_ses_id}",
        "Complaint {#glossentry_complaint}",
        "Component Rating {#glossentry_component_rating}",
        "Core {#g_core}",
        "Custom Information Request {#glossentry_cust_info_r}",
        "Drafting {#glossentry_drafting}"
      ],
      "html_link": "/docs/Chunk691344943.html",
      "snippet": null
    },
    {
      "id": "Chunk691344943.md:chunk-1",
      "title": "C-D {#Chunk691344943}",
      "content": "Attributes the system uses to make this determination:\n\n-   Scope Type\n-   Business Activities\n-   AFR\n\ncore\n\n## Custom Information Request \n\nCustom information requests that reside in a specific agency’s Library to use during an examination.\n\n## Drafting \n\nPart of a Milestone. The report of examination is drafted, reviewed, and the report package is assembled.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\Chunk691344943.md",
      "relative_path": "Chunk691344943.md",
      "headings": [
        "C-D {#Chunk691344943}",
        "Close Out {#glossentry_close_out}",
        "Closed {#glossentry_closed}",
        "Company SES ID {#glossentry_company_ses_id}",
        "Complaint {#glossentry_complaint}",
        "Component Rating {#glossentry_component_rating}",
        "Core {#g_core}",
        "Custom Information Request {#glossentry_cust_info_r}",
        "Drafting {#glossentry_drafting}"
      ],
      "html_link": "/docs/Chunk691344943.html",
      "snippet": null
    },
    {
      "id": "Chunk900370198.md:chunk-0",
      "title": "F, G, H, I {#Chunk900370198}",
      "content": "# F, G, H, I \n\nSES Glossary of terms, F through I.\n\n## Financial Review Date \n\nThe as-of date for certain financial data requested. This date is optional and may not apply to certain business types.\n\n## Findings \n\nAn issue identified by a state agency user during the supervision of a financial institution in SES. The finding may describe the company’s strengths and/or weaknesses regarding its compliance management system, assess the company’s compliance with consumer protection laws or regulations, or any potential consumer harm. A finding may be either a violation, recommendation or observation.\n\n**Types of Findings**\nViolation.\n:   A type of finding in SES. A violation includes an act or omission by the company that amounts to the transgression of a law, regulation, rule, or administrative code. The agency may require the company to take steps to correct the violation and there will generally be a follow-up from the state agency regarding the plan or steps that the company will take to correct the violation.\n\nRecommendation.\n:   A type of finding in SES. Offers an opportunity for the company to improve compliance or risk management posture with a statute, regulation, rule, company policy/procedure or other regulatory expectation.\n\nObservation.\n:   A type of finding in SES that a company should take into consideration in order to improve their overall risk management posture or compliance with an internal policy or regulatory expectation.\n\nAlleged Violation.\n:   This type of potential finding is used only in the SES Consumer Complaints area of the system. An alleged violation is a potential finding against the company identified by the state agency during the handling of a complaint about the company in SES Consumer Complaints. Alleged violations are identified by the state agency during the agency’s research and assessment of facts and circumstances surrounding the consumer complaint, and communication with the company about the complaint.\n\n## Frequently Asked Que",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\Chunk900370198.md",
      "relative_path": "Chunk900370198.md",
      "headings": [
        "F, G, H, I {#Chunk900370198}",
        "Financial Review Date {#glossentry_fin_rev_date}",
        "Findings {#glossentry_finding}",
        "Frequently Asked Questions {#glossentry_faqs}",
        "FAQs { .glossAlt}",
        "In-Flight {#glossentry_in_flight}",
        "Investigation {#glossentry_investigation}",
        "Invoice {#glossentry_invoice}",
        "Information Requests {#glossentry_ir}",
        "IR { .glossAlt}"
      ],
      "html_link": "/docs/Chunk900370198.html",
      "snippet": null
    },
    {
      "id": "Chunk900370198.md:chunk-1",
      "title": "F, G, H, I {#Chunk900370198}",
      "content": "state agency during the agency’s research and assessment of facts and circumstances surrounding the consumer complaint, and communication with the company about the complaint.\n\n## Frequently Asked Questions \n\nFrequently Asked Questions \\(FAQs\\)\n\n### FAQs { .glossAlt}\n\n## In-Flight \n\nPart of a Milestone. The state agency participants complete their review for the areas for review, add findings, add procedures, and add report commentary.\n\n## Investigation \n\nAn ad hoc supervisory activity conducted by a state regulatory agency over a company, prompted by a complaint against the company, an adverse finding during an exam or other matters.\n\n## Invoice \n\nA bill issued by a regulatory agency for costs associated with their work performed during a regulatory examination.\n\n## Information Requests \n\nEntries used to request information and documentation from a company for the examination. In SES, the IRs are divided into “standard” requests and “state-specific” requests. Information requests are managed in the SES Library. See Managing the Library for more information.\n\nInformation Request \\(IR\\)\n\n### IR { .glossAlt}",
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      "relative_path": "Chunk900370198.md",
      "headings": [
        "F, G, H, I {#Chunk900370198}",
        "Financial Review Date {#glossentry_fin_rev_date}",
        "Findings {#glossentry_finding}",
        "Frequently Asked Questions {#glossentry_faqs}",
        "FAQs { .glossAlt}",
        "In-Flight {#glossentry_in_flight}",
        "Investigation {#glossentry_investigation}",
        "Invoice {#glossentry_invoice}",
        "Information Requests {#glossentry_ir}",
        "IR { .glossAlt}"
      ],
      "html_link": "/docs/Chunk900370198.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/approvedCourseTopics/approvedCourseTopicList.md:chunk-0",
      "title": "NMLS Policy on Approved and Not Approved Topic List for Pre-Licensure and Continuing Education Intended to Satisfy SAFE Act Education Requirements {#approvedCourseTopicList .concept}",
      "content": "# NMLS Policy on Approved and Not Approved Topic List for Pre-Licensure and Continuing Education Intended to Satisfy SAFE Act Education Requirements \n\nMay 23, 2025. Version 2025.1\n\n## Purpose \n\nThe purpose of this document is to identify the pre-licensure \\(PE\\) and continuing education \\(CE\\) topics NMLS has determined will satisfy the education requirements of the SAFE Act. The topics listed are intended to provide NMLS approved course providers guidance in developing course content. This document also identifies mortgage exam derived topics that are required to be covered as part of annual CE.\n\n## Background and Reason for this Document \n\nIn accordance with the SAFE Act, as a condition for acquiring a state-issued MLO license, individuals are required to complete 20 hours of pre-licensure education which shall include 3 hours of Federal Law, 3 hours of Ethics \\(which shall include fraud, consumer protection, and fair lending\\), 2 hours of Non-Traditional Mortgage Lending, and 12 hours of undefined education \\(electives\\). As a condition to maintain a state-issued MLO license, MLOs are required to complete 8 hours of annual continuing education which shall include 3 hours of Federal Law, 2 hours of Ethics \\(which shall include fraud, consumer protection, and fair lending\\), 2 hours of Non-Traditional Mortgage Lending, and 1 hour of undefined education \\(elective\\). In addition to the required hours as identified in the SAFE Act, state agencies can also establish additional requirements.\n\nThis document segments topics by PE and CE and is intended to reduce situations where CE is duplicative of PE. The PE section aligns with the test content outline. Topics have also been included to inform individuals new to the industry the mortgage lending process, the role of a mortgage loan originator \\(MLO\\) in that process, and of the laws and responsibility an MLO has in consumer protection.\n\nThe approved topic list includes a significant number of topics pertaining to feder",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\approvedCourseTopics\\approvedCourseTopicList.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\approvedCourseTopics\\approvedCourseTopicList.md",
      "headings": [
        "NMLS Policy on Approved and Not Approved Topic List for Pre-Licensure and Continuing Education Intended to Satisfy SAFE Act Education Requirements {#approvedCourseTopicList .concept}",
        "Purpose {#section_a33_cyt_c2c .section}",
        "Background and Reason for this Document {#section_ub2_fyt_c2c .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/approvedCourseTopics/approvedCourseTopicList.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/approvedCourseTopics/approvedCourseTopicList.md:chunk-1",
      "title": "NMLS Policy on Approved and Not Approved Topic List for Pre-Licensure and Continuing Education Intended to Satisfy SAFE Act Education Requirements {#approvedCourseTopicList .concept}",
      "content": "gage loan originator \\(MLO\\) in that process, and of the laws and responsibility an MLO has in consumer protection.\n\nThe approved topic list includes a significant number of topics pertaining to federal and state laws and regulations. It would be a challenge for any school to provide instruction on every topic in 20 hours. Accordingly, as a condition for comprehensive course approval, not every topic is required to be included in the course content. However, this document does align with the test content outline and it is reasonable to set an expectation that passing the test will likely require more than 20 hours of instruction and that test candidates will need to have acquired a basic knowledge of each of the test content outline subject areas prior to passing the test.\n\nIn coordination with state regulators and the Multi-State Mortgage Committee \\(MMC\\), annual continuing education is required to include specific topics that have been identified as reoccurring problems on mortgage exams. It is the view of NMLS that one of the intentions of the CE requirement of the SAFE Act is to ensure MLOs stay current on issues pertaining to the accepting and negotiating terms of a residential mortgage loan application. The topics listed as “required” need to be covered in the designated calendar year. NMLS does not define how much time must be spent on each of the required topics nor is it envisioned that the topics consume the full two or three hours of ethics or federal law.\n\n**Parent topic:**Approved and Not Approved Topics: PE and CE",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\approvedCourseTopics\\approvedCourseTopicList.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\approvedCourseTopics\\approvedCourseTopicList.md",
      "headings": [
        "NMLS Policy on Approved and Not Approved Topic List for Pre-Licensure and Continuing Education Intended to Satisfy SAFE Act Education Requirements {#approvedCourseTopicList .concept}",
        "Purpose {#section_a33_cyt_c2c .section}",
        "Background and Reason for this Document {#section_ub2_fyt_c2c .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/approvedCourseTopics/approvedCourseTopicList.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/approvedCourseTopics/nmlsFS_approvedCETopicList.md:chunk-0",
      "title": "Continuing Education \\(CE\\) Approved Topic List {#nmlsFS_approvedCETopicList .concept}",
      "content": "# Continuing Education \\(CE\\) Approved Topic List \n\nLists acceptable topics for annual CE requirement for the Ethics and Nontraditional SAFE Act requirements. Topics are not specific to a CE year.\n\n## Ethics – \n\nTopics intended to Satisfy the 2 Hours of Ethics, Fraud, and Consumer Protection.\n\n-   Mortgage Exam Process – What happens when an examiner visits your company\n    -   Prep – Know how long to keep records, keep records organized, know who pulls reports\n    -   A Point of Contact is required to be available to respond to examiner inquiries\n    -   Pre-exam materials / requests from the examiner\n    -   Common Violations – Mortgage Call Report, Advertising, Late Disclosures, Lacking written policies\n    -   Rating System\n-   Cybersecurity\n-   Exploring the Role of Artificial Intelligence in Residential Mortgage Lending\n    -   Lack of Transparency: “Black box” algorithms may make it difficult for lenders to explain decisions to regulators or consumers\n    -   Job Displacement: Automation of underwriting and processing may reduce demand for certain roles in mortgage origination and servicing\n    -   Traditional credit scores can be supplemented or even replaced with AI-driven models\n    -   AI tools can extract data from documents \\(W2s, Paystubs, Bank Statements, etc.\\)\n    -   Lenders can use AI to track borrower behavior post-closing, identifying early signs of default risk.\n-   Identity Theft Rules 16 CFR 681\n    -   Identity theft program\n        -   Elements of the program to detect and prevent identity theft\n    -   Detecting and identifying relevant Red Flags\n    -   Actions taken when identity theft occurs\n        -   Situations of identity theft detected\n-   Do Not Call – Telemarketing and Consumer Fraud and Abuse Prevention Act 15 USC 6101 et seq\n    -   Defining and prohibiting deceptive telemarketing acts\n    -   Senior citizen and other consumer fraud\n    -   Scenarios of abusive consumer acts\n-   Mortgage Acts and Practices – Advertising \\(Regul",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\approvedCourseTopics\\nmlsFS_approvedCETopicList.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\approvedCourseTopics\\nmlsFS_approvedCETopicList.md",
      "headings": [
        "Continuing Education \\(CE\\) Approved Topic List {#nmlsFS_approvedCETopicList .concept}",
        "Ethics – {#section_xwz_mtx_c2c .section}",
        "Traditional and Non-Traditional Mortgage Products – {#section_phv_rtx_c2c .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/approvedCourseTopics/nmlsFS_approvedCETopicList.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/approvedCourseTopics/nmlsFS_approvedCETopicList.md:chunk-1",
      "title": "Continuing Education \\(CE\\) Approved Topic List {#nmlsFS_approvedCETopicList .concept}",
      "content": "  Defining and prohibiting deceptive telemarketing acts\n    -   Senior citizen and other consumer fraud\n    -   Scenarios of abusive consumer acts\n-   Mortgage Acts and Practices – Advertising \\(Regulation N\\) 12 CFR 1014\n    -   Detection of prohibited advertising\n    -   Other prohibited mortgage acts and practices\n-   Other topics pertaining to ethics, fraud, and consumer protection.\n    -   Enforcement actions\n    -   Marketing agreements\n    -   Graham, Leach, Bliley Act\n    -   Industry changes \\(e.g., credit scoring, modern predatory lending, and lending tactics\\)\n    -   Anti-money Laundering\n\n## Traditional and Non-Traditional Mortgage Products – \n\nTopics Intended to Satisfy the 2 hours of Non-Traditional Mortgage Lending\n\n-   Any product that can be used to finance a residential property\n-   Property Valuation\n    -   Factors Influencing Property Value \\(Location, Characteristics, Market Conditions, Zoning, etc.\\)\n    -   Modern Trends in Valuation \\(Digital Appraisals, Remote Inspections/ hybrid or drive-by appraisals\\)\n    -   Valuation Methods \\(Sales Comparison Approach, Cost, Income Approach, Income Approach, and Automated Valuation models – AI Powered Algorithms\\)\n    -   Who Performs Valuations \\(Licensed Appraisers or AVM Providers\\)\n-   FNMA/ FHLMC Updates\n-   Digital Currency Related to Residential Mortgages\n    -   Benefits, Challenges and Risks\n        -   Using Bitcoin or a CBDC to make payments\n        -   Down payments on home purchase o Asset Verification\n-   How Down Payment Assistance effects debt-to-income ratio and application\n-   FHA Mortgage Limits and Updates\n-   CSBS/AARMR Guidance on Nontraditional Mortgage Products Risks\n-   Other topics pertaining to Non-Traditional Mortgage Products\n    -   ARM’s\n    -   Negative amortization loans\n    -   15 Year Loans\n    -   Reverse Mortgages\n    -   VA Loans\n    -   Rehab Loans\n    -   Collateral/Portfolio Loans\n    -   Seller Financing\n    -   Affordable Housing Programs\n    -   Non-QM Loan",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\approvedCourseTopics\\nmlsFS_approvedCETopicList.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\approvedCourseTopics\\nmlsFS_approvedCETopicList.md",
      "headings": [
        "Continuing Education \\(CE\\) Approved Topic List {#nmlsFS_approvedCETopicList .concept}",
        "Ethics – {#section_xwz_mtx_c2c .section}",
        "Traditional and Non-Traditional Mortgage Products – {#section_phv_rtx_c2c .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/approvedCourseTopics/nmlsFS_approvedCETopicList.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/approvedCourseTopics/nmlsFS_approvedCETopicList.md:chunk-2",
      "title": "Continuing Education \\(CE\\) Approved Topic List {#nmlsFS_approvedCETopicList .concept}",
      "content": "    -   15 Year Loans\n    -   Reverse Mortgages\n    -   VA Loans\n    -   Rehab Loans\n    -   Collateral/Portfolio Loans\n    -   Seller Financing\n    -   Affordable Housing Programs\n    -   Non-QM Loans\n\n**Parent topic:**Approved and Not Approved Topics: PE and CE",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\approvedCourseTopics\\nmlsFS_approvedCETopicList.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\approvedCourseTopics\\nmlsFS_approvedCETopicList.md",
      "headings": [
        "Continuing Education \\(CE\\) Approved Topic List {#nmlsFS_approvedCETopicList .concept}",
        "Ethics – {#section_xwz_mtx_c2c .section}",
        "Traditional and Non-Traditional Mortgage Products – {#section_phv_rtx_c2c .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/approvedCourseTopics/nmlsFS_approvedCETopicList.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/approvedCourseTopics/nmlsFS_approvedCETopics2025.md:chunk-0",
      "title": "Continuing Education \\(CE\\) Required Topic List for Annual CE Year 2025 {#nmlsFS_approvedCETopics2025 .concept}",
      "content": "# Continuing Education \\(CE\\) Required Topic List for Annual CE Year 2025 \n\nThe Course Provider Sub-Working Group reviewed the CE topics list on October 2023; the Course Provider Working Group \\(CPWG\\) reviewed the CE topic list on November 14, 2023; the Mortgage Testing and Education Board \\(MTEB\\) reviewed the list on November 16, 2023. The required topics are for CE to be delivered between January 1 and December 31, 2025.\n\n## Background: Who Established the Required CE Topics and Why? \n\n\\(Review time 2-3 mins\\)\n\n**Important:** The required CE topics for 2025 have been ranked from 1–10 by the Multi-State Mortgage Committee \\(MMC\\) and were derived from the 2022 3rd quarter examination reports. The top 10 ranked topics the MMC considers important information that every Mortgage Loan Originator must adhere to during the origination of a loan in order to prevent violations actionable by State Regulators.\n\nFurthermore, the final action taken per the examination, resulted in additional audits, required written letters of explanation, implemented corrective action plans, refunds, and assessed penalties.\n\n-   The Multi-State Mortgage Committee \\(MMC\\) is comprised of 10 appointed State Regulator members and one Conference of State Bank Supervisors \\(CSBS\\) member. Their role is to implement cooperative protocol between state agencies and the financial industry. For additional information, see CSBS-AARMR MMC Exam Manual\n-   The role of the State Regulator’s includes licensing and supervising of state-chartered banks and non-bank entities to include mortgage lenders. They ensure the financial services operates in a safe and sound manner.\n-   An examination is completed by State Regulators to determine if a financial institution is operating in compliance with state and federal laws. A review of a financial institutions loans and corporate records is conducted to decide whether the entities are effectively meeting the requirement to operate, monitor, and control risks assoc",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\approvedCourseTopics\\nmlsFS_approvedCETopics2025.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\approvedCourseTopics\\nmlsFS_approvedCETopics2025.md",
      "headings": [
        "Continuing Education \\(CE\\) Required Topic List for Annual CE Year 2025 {#nmlsFS_approvedCETopics2025 .concept}",
        "Background: Who Established the Required CE Topics and Why? {#section_awg_tpd_d2c .section}",
        "Topic 1: TILA - 12 C.F.R. §1026.19\\(e\\)\\(3\\) and \\(4\\) {#section_bf1_vpd_d2c .section}",
        "Topic 2: TILA - 12 C.F.R. §1026.19\\(e\\)\\(3\\)\\(i\\) {#section_k21_bqd_d2c .section}",
        "Topic 3: TILA - 12 C.F.R. §1026.19\\(f\\)\\(1\\)\\(i\\) and \\(f\\)\\(3\\)\\(i\\) {#section_t21_dqd_d2c .section}",
        "Topic 4: TILA - 12 C.F.R. §1026.19\\(f\\)\\(2\\)\\(v\\) {#section_gjn_3qd_d2c .section}",
        "Topic 5: TILA - 12 C.F.R. §1026.37\\(a\\)\\(13\\)\\(i\\) and \\(m\\)\\(4\\) {#section_vdk_jqd_d2c .section}",
        "Topic 6: TILA - 12 C.F.R. §1026.19\\(f\\)\\(3\\)\\(i\\) {#section_cr4_brd_d2c .section}",
        "Topic 7: TILA - 12 C.F.R. §1026.19\\(f\\)\\(2\\)\\(v\\) {#section_yvm_1rd_d2c .section}",
        "Topic 8: TILA - 12 C.F.R.§1026.24\\(c\\) {#section_ej4_3rd_d2c .section}",
        "Topic 9: TILA - 12 C.F.R. §1026.19\\(f\\)\\(1\\)\\(ii\\)\\(A\\) {#section_efg_trd_d2c .section}",
        "Topic 10: TILA - 12 C.F.R. §1026.38\\(g\\)\\(1\\)\\(i\\)\\(ii\\) {#section_eqv_xrd_d2c .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/approvedCourseTopics/nmlsFS_approvedCETopics2025.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/approvedCourseTopics/nmlsFS_approvedCETopics2025.md:chunk-1",
      "title": "Continuing Education \\(CE\\) Required Topic List for Annual CE Year 2025 {#nmlsFS_approvedCETopics2025 .concept}",
      "content": " laws. A review of a financial institutions loans and corporate records is conducted to decide whether the entities are effectively meeting the requirement to operate, monitor, and control risks associated with loan origination activities.\n-   Individual Mortgage Loan Originators are and will be held accountable by State Regulators for violations found during examinations.\n\n## Topic 1: TILA - 12 C.F.R. §1026.19\\(e\\)\\(3\\) and \\(4\\) \n\n-   **Findings Title**: Charged Fees above Tolerance Limits\n    -   **Citation Violation**: An estimated closing cost is in good faith if it does not exceed the amount originally disclosed. A revised estimate may be used in the event of a valid changed circumstance if the revised fee is disclosed to the borrower within three business days of the change. Third-party fees the borrower cannot shop for are subject to a zero percent tolerance limit. In addition, recording fees may increase by no more than ten percent from the amount initially disclosed on the Loan Estimate \\(LE\\) without a valid changed circumstance. § 1026.19\\(e\\)\\(3\\) and \\(4\\).\n    -   **Examination Findings**: There was an increase in the appraisal fee and recording fee for a borrower without a valid changed circumstance. Further, it was a failure to disclose the final inspection fee and the state tax to the borrower within three business days.\n\n## Topic 2: TILA - 12 C.F.R. §1026.19\\(e\\)\\(3\\)\\(i\\) \n\n-   **Findings Title**: Good faith determination of estimates of closing costs\n    -   **Citation Violation**: \"\\(i\\) General rule. An estimated closing cost disclosed pursuant to paragraph \\(e\\) of this section is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under paragraph \\(e\\)\\(1\\)\\(i\\) of this section, except as otherwise provided in paragraphs \\(e\\)\\(3\\)\\(ii\\) through \\(iv\\) of this section.\n    -   **Examination Findings**: A loan was identified where there was a closing cost collected from the borrower t",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\approvedCourseTopics\\nmlsFS_approvedCETopics2025.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\approvedCourseTopics\\nmlsFS_approvedCETopics2025.md",
      "headings": [
        "Continuing Education \\(CE\\) Required Topic List for Annual CE Year 2025 {#nmlsFS_approvedCETopics2025 .concept}",
        "Background: Who Established the Required CE Topics and Why? {#section_awg_tpd_d2c .section}",
        "Topic 1: TILA - 12 C.F.R. §1026.19\\(e\\)\\(3\\) and \\(4\\) {#section_bf1_vpd_d2c .section}",
        "Topic 2: TILA - 12 C.F.R. §1026.19\\(e\\)\\(3\\)\\(i\\) {#section_k21_bqd_d2c .section}",
        "Topic 3: TILA - 12 C.F.R. §1026.19\\(f\\)\\(1\\)\\(i\\) and \\(f\\)\\(3\\)\\(i\\) {#section_t21_dqd_d2c .section}",
        "Topic 4: TILA - 12 C.F.R. §1026.19\\(f\\)\\(2\\)\\(v\\) {#section_gjn_3qd_d2c .section}",
        "Topic 5: TILA - 12 C.F.R. §1026.37\\(a\\)\\(13\\)\\(i\\) and \\(m\\)\\(4\\) {#section_vdk_jqd_d2c .section}",
        "Topic 6: TILA - 12 C.F.R. §1026.19\\(f\\)\\(3\\)\\(i\\) {#section_cr4_brd_d2c .section}",
        "Topic 7: TILA - 12 C.F.R. §1026.19\\(f\\)\\(2\\)\\(v\\) {#section_yvm_1rd_d2c .section}",
        "Topic 8: TILA - 12 C.F.R.§1026.24\\(c\\) {#section_ej4_3rd_d2c .section}",
        "Topic 9: TILA - 12 C.F.R. §1026.19\\(f\\)\\(1\\)\\(ii\\)\\(A\\) {#section_efg_trd_d2c .section}",
        "Topic 10: TILA - 12 C.F.R. §1026.38\\(g\\)\\(1\\)\\(i\\)\\(ii\\) {#section_eqv_xrd_d2c .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/approvedCourseTopics/nmlsFS_approvedCETopics2025.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/approvedCourseTopics/nmlsFS_approvedCETopics2025.md:chunk-2",
      "title": "Continuing Education \\(CE\\) Required Topic List for Annual CE Year 2025 {#nmlsFS_approvedCETopics2025 .concept}",
      "content": "s otherwise provided in paragraphs \\(e\\)\\(3\\)\\(ii\\) through \\(iv\\) of this section.\n    -   **Examination Findings**: A loan was identified where there was a closing cost collected from the borrower that exceeded the estimated closing cost disclosed to the borrower in the Loan Estimate \\(LE\\).\n\n## Topic 3: TILA - 12 C.F.R. §1026.19\\(f\\)\\(1\\)\\(i\\) and \\(f\\)\\(3\\)\\(i\\) \n\n-   **Findings Title**: Unallowable Third-Party Fee\n    -   **Citation Violation**: 12 CFR Section 1026.19\\(f\\)\\(1\\)\\(i\\) of Regulation Z \\(TILA\\) states:\n\n        > “Mortgage loans – final disclosures. Scope. In a transaction subject to paragraph \\(e\\)\\(1\\)\\(i\\) of this section, the creditor shall provide the consumer with the disclosures required under §1026.38 reflecting the actual terms of the transaction.”\n\n        12 CFR Section 1026.19\\(f\\)\\(3\\)\\(i\\) of Regulation Z \\(TILA\\) states:\n\n        > “Charges disclosed – Actual charge. The amount imposed upon the consumer for any settlement service shall not exceed the amount actually received by the settlement service provider for that service, except as otherwise provided in paragraph \\(f\\)\\(3\\)\\(ii\\) of this section.”\n\n        Official Interpretation of §1026.19\\(f\\)\\(3\\)\\(i\\) of Regulation Z \\(TILA\\) states:\n\n        > \"Requirements. Section 1026.19\\(f\\)\\(3\\)\\(i\\) provides the general rule that the amount imposed on the consumer for any settlement service shall not exceed the amount actually received by the settlement service provider for that service. Except as otherwise provided in § 1026.19\\(f\\)\\(3\\)\\(ii\\), a creditor violates §1026.19\\(f\\)\\(3\\)\\(i\\) if the amount imposed upon the consumer exceeds the amount actually received by the service provider for that service.\"\n\n    -   **Examination Findings**: The consumers were charged an appraisal fee that had already been paid for by a prior lender. A residential appraisal report was utilized that had been ordered by another lender; however, the consumer was charged for the same appraisal at closing.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\approvedCourseTopics\\nmlsFS_approvedCETopics2025.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\approvedCourseTopics\\nmlsFS_approvedCETopics2025.md",
      "headings": [
        "Continuing Education \\(CE\\) Required Topic List for Annual CE Year 2025 {#nmlsFS_approvedCETopics2025 .concept}",
        "Background: Who Established the Required CE Topics and Why? {#section_awg_tpd_d2c .section}",
        "Topic 1: TILA - 12 C.F.R. §1026.19\\(e\\)\\(3\\) and \\(4\\) {#section_bf1_vpd_d2c .section}",
        "Topic 2: TILA - 12 C.F.R. §1026.19\\(e\\)\\(3\\)\\(i\\) {#section_k21_bqd_d2c .section}",
        "Topic 3: TILA - 12 C.F.R. §1026.19\\(f\\)\\(1\\)\\(i\\) and \\(f\\)\\(3\\)\\(i\\) {#section_t21_dqd_d2c .section}",
        "Topic 4: TILA - 12 C.F.R. §1026.19\\(f\\)\\(2\\)\\(v\\) {#section_gjn_3qd_d2c .section}",
        "Topic 5: TILA - 12 C.F.R. §1026.37\\(a\\)\\(13\\)\\(i\\) and \\(m\\)\\(4\\) {#section_vdk_jqd_d2c .section}",
        "Topic 6: TILA - 12 C.F.R. §1026.19\\(f\\)\\(3\\)\\(i\\) {#section_cr4_brd_d2c .section}",
        "Topic 7: TILA - 12 C.F.R. §1026.19\\(f\\)\\(2\\)\\(v\\) {#section_yvm_1rd_d2c .section}",
        "Topic 8: TILA - 12 C.F.R.§1026.24\\(c\\) {#section_ej4_3rd_d2c .section}",
        "Topic 9: TILA - 12 C.F.R. §1026.19\\(f\\)\\(1\\)\\(ii\\)\\(A\\) {#section_efg_trd_d2c .section}",
        "Topic 10: TILA - 12 C.F.R. §1026.38\\(g\\)\\(1\\)\\(i\\)\\(ii\\) {#section_eqv_xrd_d2c .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/approvedCourseTopics/nmlsFS_approvedCETopics2025.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/approvedCourseTopics/nmlsFS_approvedCETopics2025.md:chunk-3",
      "title": "Continuing Education \\(CE\\) Required Topic List for Annual CE Year 2025 {#nmlsFS_approvedCETopics2025 .concept}",
      "content": "t had already been paid for by a prior lender. A residential appraisal report was utilized that had been ordered by another lender; however, the consumer was charged for the same appraisal at closing. Only the cost of third-party fees for services actually provided may be assessed to consumers.\n\n## Topic 4: TILA - 12 C.F.R. §1026.19\\(f\\)\\(2\\)\\(v\\) \n\n-   **Findings Title**: Failed to Issue a Corrected Closing Disclosure and Refund Within 60 Days of Consummation\n    -   **Citation Violation**: A lender shall refund any excess to the consumer no later than 60 days after consummation if the amounts paid at consummation exceed the amounts specified on the disclosure. The lender must deliver or place in the mail disclosures corrected to reflect the refund of such excess no later than 60 days after consummation. § 1026.19\\(f\\)\\(2\\)\\(v\\).\n    -   **Examination Findings**: Loans were identified where the file did not contain adequate evidence to show that a corrected Closing Disclosure or refund was issued to the consumer within 60 days of consummation. Example: on a loan, two invoices are billed, one for $900.00 and a second for $200.00, for an initial appraisal and supplemental review, and the consumer is charged $1,300.00 on the final Closing Disclosure without evidence of correction.\n\n        Also, identified were loans where re-disclosure and refunds were provided more than 60 days past consummation.\n\n## Topic 5: TILA - 12 C.F.R. §1026.37\\(a\\)\\(13\\)\\(i\\) and \\(m\\)\\(4\\) \n\n-   **Findings Title**: Provided Inaccurate Loan Estimates\n    -   **Citation Violation**: The creditor is required to disclose certain information on the Loan Estimate \\(LE\\). For transactions in which the interest rate is locked for a specific period of time, the creditor must provide the date and time \\(including the applicable time zone\\) when that period ends. §1026.37\\(a\\)\\(13\\)\\(i\\). Additionally, the lender is required to provide a statement detailing any charge that may be imposed for a late pa",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\approvedCourseTopics\\nmlsFS_approvedCETopics2025.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\approvedCourseTopics\\nmlsFS_approvedCETopics2025.md",
      "headings": [
        "Continuing Education \\(CE\\) Required Topic List for Annual CE Year 2025 {#nmlsFS_approvedCETopics2025 .concept}",
        "Background: Who Established the Required CE Topics and Why? {#section_awg_tpd_d2c .section}",
        "Topic 1: TILA - 12 C.F.R. §1026.19\\(e\\)\\(3\\) and \\(4\\) {#section_bf1_vpd_d2c .section}",
        "Topic 2: TILA - 12 C.F.R. §1026.19\\(e\\)\\(3\\)\\(i\\) {#section_k21_bqd_d2c .section}",
        "Topic 3: TILA - 12 C.F.R. §1026.19\\(f\\)\\(1\\)\\(i\\) and \\(f\\)\\(3\\)\\(i\\) {#section_t21_dqd_d2c .section}",
        "Topic 4: TILA - 12 C.F.R. §1026.19\\(f\\)\\(2\\)\\(v\\) {#section_gjn_3qd_d2c .section}",
        "Topic 5: TILA - 12 C.F.R. §1026.37\\(a\\)\\(13\\)\\(i\\) and \\(m\\)\\(4\\) {#section_vdk_jqd_d2c .section}",
        "Topic 6: TILA - 12 C.F.R. §1026.19\\(f\\)\\(3\\)\\(i\\) {#section_cr4_brd_d2c .section}",
        "Topic 7: TILA - 12 C.F.R. §1026.19\\(f\\)\\(2\\)\\(v\\) {#section_yvm_1rd_d2c .section}",
        "Topic 8: TILA - 12 C.F.R.§1026.24\\(c\\) {#section_ej4_3rd_d2c .section}",
        "Topic 9: TILA - 12 C.F.R. §1026.19\\(f\\)\\(1\\)\\(ii\\)\\(A\\) {#section_efg_trd_d2c .section}",
        "Topic 10: TILA - 12 C.F.R. §1026.38\\(g\\)\\(1\\)\\(i\\)\\(ii\\) {#section_eqv_xrd_d2c .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/approvedCourseTopics/nmlsFS_approvedCETopics2025.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/approvedCourseTopics/nmlsFS_approvedCETopics2025.md:chunk-4",
      "title": "Continuing Education \\(CE\\) Required Topic List for Annual CE Year 2025 {#nmlsFS_approvedCETopics2025 .concept}",
      "content": "including the applicable time zone\\) when that period ends. §1026.37\\(a\\)\\(13\\)\\(i\\). Additionally, the lender is required to provide a statement detailing any charge that may be imposed for a late payment, stated as a dollar amount or percentage charge of the late payment amount, and the number of days that a payment must be late to trigger the late payment fee, labeled “Late Payment. §1026.37\\(m\\)\\(4\\)\n    -   **Examination Findings**: Loans were identified showing accurate information on the LE had failed to be disclosed.\n\n## Topic 6: TILA - 12 C.F.R. §1026.19\\(f\\)\\(3\\)\\(i\\) \n\n-   **Findings Title**: Collection of Excessive Fees\n    -   **Citation Violation**: Regulation Z, 12 C.F.R. §1026.19\\(f\\)\\(3\\)\\(i\\), provides the general rule that the amount imposed on the consumer for any settlement service shall not exceed the amount actually received by the settlement service provider for that service.\n    -   **Examination Findings**: Loan files were identified where documentation was not provided to support the amount of the credit report fee charged to the consumer.\n\n## Topic 7: TILA - 12 C.F.R. §1026.19\\(f\\)\\(2\\)\\(v\\) \n\n-   **Findings Title**: Mortgage loans - final disclosures – Subsequent changes\n    -   **Citation Violation**: \"\\(v\\) Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under § 1026.19\\(e\\)\\(3\\)\\(i\\) or \\(ii\\), the creditor complies with §1026.19\\(e\\)\\(1\\)\\(i\\) if the creditor refunds the excess to the consumer no later than 60 days after consummation, and the creditor complies with § 1026.19\\(f\\)\\(1\\)\\(i\\) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than 60 days after consummation”.\n    -   **Examination Findings**: Loan files were identified where it showed the failure to provide the corrected Closing Disclosure \\(CD\\) and/or refund to the borrower within the 60-day timeframe after consummation. Additionally, it was noted that there wa",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\approvedCourseTopics\\nmlsFS_approvedCETopics2025.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\approvedCourseTopics\\nmlsFS_approvedCETopics2025.md",
      "headings": [
        "Continuing Education \\(CE\\) Required Topic List for Annual CE Year 2025 {#nmlsFS_approvedCETopics2025 .concept}",
        "Background: Who Established the Required CE Topics and Why? {#section_awg_tpd_d2c .section}",
        "Topic 1: TILA - 12 C.F.R. §1026.19\\(e\\)\\(3\\) and \\(4\\) {#section_bf1_vpd_d2c .section}",
        "Topic 2: TILA - 12 C.F.R. §1026.19\\(e\\)\\(3\\)\\(i\\) {#section_k21_bqd_d2c .section}",
        "Topic 3: TILA - 12 C.F.R. §1026.19\\(f\\)\\(1\\)\\(i\\) and \\(f\\)\\(3\\)\\(i\\) {#section_t21_dqd_d2c .section}",
        "Topic 4: TILA - 12 C.F.R. §1026.19\\(f\\)\\(2\\)\\(v\\) {#section_gjn_3qd_d2c .section}",
        "Topic 5: TILA - 12 C.F.R. §1026.37\\(a\\)\\(13\\)\\(i\\) and \\(m\\)\\(4\\) {#section_vdk_jqd_d2c .section}",
        "Topic 6: TILA - 12 C.F.R. §1026.19\\(f\\)\\(3\\)\\(i\\) {#section_cr4_brd_d2c .section}",
        "Topic 7: TILA - 12 C.F.R. §1026.19\\(f\\)\\(2\\)\\(v\\) {#section_yvm_1rd_d2c .section}",
        "Topic 8: TILA - 12 C.F.R.§1026.24\\(c\\) {#section_ej4_3rd_d2c .section}",
        "Topic 9: TILA - 12 C.F.R. §1026.19\\(f\\)\\(1\\)\\(ii\\)\\(A\\) {#section_efg_trd_d2c .section}",
        "Topic 10: TILA - 12 C.F.R. §1026.38\\(g\\)\\(1\\)\\(i\\)\\(ii\\) {#section_eqv_xrd_d2c .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/approvedCourseTopics/nmlsFS_approvedCETopics2025.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/approvedCourseTopics/nmlsFS_approvedCETopics2025.md:chunk-5",
      "title": "Continuing Education \\(CE\\) Required Topic List for Annual CE Year 2025 {#nmlsFS_approvedCETopics2025 .concept}",
      "content": "ed where it showed the failure to provide the corrected Closing Disclosure \\(CD\\) and/or refund to the borrower within the 60-day timeframe after consummation. Additionally, it was noted that there was a failure to indicate whether the borrower received the dollar refund for the overpayment of recording fees.\n\n## Topic 8: TILA - 12 C.F.R.§1026.24\\(c\\) \n\n-   **Findings Title**: Advertisement Missing Annual Percentage Rate\n    -   **Citation Violation**: If an advertisement states a rate of finance charge, it shall state the rate as an “annual percentage rate,” using that term. If an advertisement is for credit secured by a dwelling, the advertisement shall not state any other rate, except that a simple annual rate that is applied tan unpaid balance may be stated in conjunction with, but not more conspicuously than, the annual percentage rate. § 1026.24\\(c\\).\n    -   **Examination Findings**: An advertisement was identified stating a rate of a finance charge without stating the annual percentage rate.\n\n## Topic 9: TILA - 12 C.F.R. §1026.19\\(f\\)\\(1\\)\\(ii\\)\\(A\\) \n\n-   **Findings Title**: Mortgage loans - final disclosures – Provision of disclosures – Timing\n    -   **Citation Violation**: “\\(A\\) In general. Except as provided in paragraphs \\(f\\)\\(1\\)\\(ii\\)\\(B\\), \\(f\\)\\(2\\)\\(i\\), \\(f\\)\\(2\\)\\(iii\\), \\(f\\)\\(2\\)\\(iv\\), and \\(f\\)\\(2\\)\\(v\\) of this section, the creditor shall ensure that the consumer receives the disclosures required under paragraph \\(f\\)\\(1\\)\\(i\\) of this section no later than three business days before consummation.”\n    -   **Examination Findings**: Borrowers CD was not provided within three business days before consummation.\n\n## Topic 10: TILA - 12 C.F.R. §1026.38\\(g\\)\\(1\\)\\(i\\)\\(ii\\) \n\n-   **Findings Title**: Closing costs details; other costs – Taxes and other government fees\n    -   **Citation Violation**: “\\(g\\)\\(1\\) Taxes and other government fees. Under the master heading “Closing Cost Details” disclosed pursuant to paragraph \\(f\\) of this section, ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\approvedCourseTopics\\nmlsFS_approvedCETopics2025.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\approvedCourseTopics\\nmlsFS_approvedCETopics2025.md",
      "headings": [
        "Continuing Education \\(CE\\) Required Topic List for Annual CE Year 2025 {#nmlsFS_approvedCETopics2025 .concept}",
        "Background: Who Established the Required CE Topics and Why? {#section_awg_tpd_d2c .section}",
        "Topic 1: TILA - 12 C.F.R. §1026.19\\(e\\)\\(3\\) and \\(4\\) {#section_bf1_vpd_d2c .section}",
        "Topic 2: TILA - 12 C.F.R. §1026.19\\(e\\)\\(3\\)\\(i\\) {#section_k21_bqd_d2c .section}",
        "Topic 3: TILA - 12 C.F.R. §1026.19\\(f\\)\\(1\\)\\(i\\) and \\(f\\)\\(3\\)\\(i\\) {#section_t21_dqd_d2c .section}",
        "Topic 4: TILA - 12 C.F.R. §1026.19\\(f\\)\\(2\\)\\(v\\) {#section_gjn_3qd_d2c .section}",
        "Topic 5: TILA - 12 C.F.R. §1026.37\\(a\\)\\(13\\)\\(i\\) and \\(m\\)\\(4\\) {#section_vdk_jqd_d2c .section}",
        "Topic 6: TILA - 12 C.F.R. §1026.19\\(f\\)\\(3\\)\\(i\\) {#section_cr4_brd_d2c .section}",
        "Topic 7: TILA - 12 C.F.R. §1026.19\\(f\\)\\(2\\)\\(v\\) {#section_yvm_1rd_d2c .section}",
        "Topic 8: TILA - 12 C.F.R.§1026.24\\(c\\) {#section_ej4_3rd_d2c .section}",
        "Topic 9: TILA - 12 C.F.R. §1026.19\\(f\\)\\(1\\)\\(ii\\)\\(A\\) {#section_efg_trd_d2c .section}",
        "Topic 10: TILA - 12 C.F.R. §1026.38\\(g\\)\\(1\\)\\(i\\)\\(ii\\) {#section_eqv_xrd_d2c .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/approvedCourseTopics/nmlsFS_approvedCETopics2025.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/approvedCourseTopics/nmlsFS_approvedCETopics2025.md:chunk-6",
      "title": "Continuing Education \\(CE\\) Required Topic List for Annual CE Year 2025 {#nmlsFS_approvedCETopics2025 .concept}",
      "content": "her government fees\n    -   **Citation Violation**: “\\(g\\)\\(1\\) Taxes and other government fees. Under the master heading “Closing Cost Details” disclosed pursuant to paragraph \\(f\\) of this section, with columns stating whether the charge was borrower-paid at or before closing, seller-paid at or before closing, or paid by others, all costs in connection with the transaction, other than those disclosed under paragraph \\(f\\) of this section, listed in a table with a heading disclosed as “Other Costs.” The table shall contain the items and amounts listed under five subheadings, described in paragraphs \\(g\\)\\(1\\) through \\(6\\) of this section. \\(1\\) Taxes and other government fees. Under the subheading “Taxes and Other Government Fees,” an itemization of each amount that is expected to be paid to State and local governments for taxes and government fees and the total of all such itemized amounts that are designated borrower-paid at or before closing, as follows:\n\n        > \\(i\\) On the first line: \\(A\\) Before the columns described in paragraph \\(g\\) of this section, the total amount of fees for recording deeds and, separately, the total amount of fees for recording security instruments; and \\(B\\) In the applicable column as described in paragraph \\(g\\) of this section, the total amounts paid for recording fees \\(including, but not limited to, the amounts in paragraph \\(g\\)\\(1\\)\\(i\\)\\(A\\) of this section\\); and\n\n        > \\(ii\\) On subsequent lines, in the applicable column as described in paragraph \\(g\\) of this section, an itemization of transfer taxes, with the name of the government entity assessing the transfer tax.”\n\n    -   **Examination Findings**: Identified loans where the recording fees were incorrectly disclosed as seller-paid at closing in the consumer’s final CD. In addition, there was a failure to disclose the transfer tax in the final CD provided to the borrowers.\n\n**Parent topic:**Approved and Not Approved Topics: PE and CE",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\approvedCourseTopics\\nmlsFS_approvedCETopics2025.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\approvedCourseTopics\\nmlsFS_approvedCETopics2025.md",
      "headings": [
        "Continuing Education \\(CE\\) Required Topic List for Annual CE Year 2025 {#nmlsFS_approvedCETopics2025 .concept}",
        "Background: Who Established the Required CE Topics and Why? {#section_awg_tpd_d2c .section}",
        "Topic 1: TILA - 12 C.F.R. §1026.19\\(e\\)\\(3\\) and \\(4\\) {#section_bf1_vpd_d2c .section}",
        "Topic 2: TILA - 12 C.F.R. §1026.19\\(e\\)\\(3\\)\\(i\\) {#section_k21_bqd_d2c .section}",
        "Topic 3: TILA - 12 C.F.R. §1026.19\\(f\\)\\(1\\)\\(i\\) and \\(f\\)\\(3\\)\\(i\\) {#section_t21_dqd_d2c .section}",
        "Topic 4: TILA - 12 C.F.R. §1026.19\\(f\\)\\(2\\)\\(v\\) {#section_gjn_3qd_d2c .section}",
        "Topic 5: TILA - 12 C.F.R. §1026.37\\(a\\)\\(13\\)\\(i\\) and \\(m\\)\\(4\\) {#section_vdk_jqd_d2c .section}",
        "Topic 6: TILA - 12 C.F.R. §1026.19\\(f\\)\\(3\\)\\(i\\) {#section_cr4_brd_d2c .section}",
        "Topic 7: TILA - 12 C.F.R. §1026.19\\(f\\)\\(2\\)\\(v\\) {#section_yvm_1rd_d2c .section}",
        "Topic 8: TILA - 12 C.F.R.§1026.24\\(c\\) {#section_ej4_3rd_d2c .section}",
        "Topic 9: TILA - 12 C.F.R. §1026.19\\(f\\)\\(1\\)\\(ii\\)\\(A\\) {#section_efg_trd_d2c .section}",
        "Topic 10: TILA - 12 C.F.R. §1026.38\\(g\\)\\(1\\)\\(i\\)\\(ii\\) {#section_eqv_xrd_d2c .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/approvedCourseTopics/nmlsFS_approvedCETopics2025.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/approvedCourseTopics/nmlsFS_approvedCETopics2025.md:chunk-7",
      "title": "Continuing Education \\(CE\\) Required Topic List for Annual CE Year 2025 {#nmlsFS_approvedCETopics2025 .concept}",
      "content": " CD. In addition, there was a failure to disclose the transfer tax in the final CD provided to the borrowers.\n\n**Parent topic:**Approved and Not Approved Topics: PE and CE",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\approvedCourseTopics\\nmlsFS_approvedCETopics2025.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\approvedCourseTopics\\nmlsFS_approvedCETopics2025.md",
      "headings": [
        "Continuing Education \\(CE\\) Required Topic List for Annual CE Year 2025 {#nmlsFS_approvedCETopics2025 .concept}",
        "Background: Who Established the Required CE Topics and Why? {#section_awg_tpd_d2c .section}",
        "Topic 1: TILA - 12 C.F.R. §1026.19\\(e\\)\\(3\\) and \\(4\\) {#section_bf1_vpd_d2c .section}",
        "Topic 2: TILA - 12 C.F.R. §1026.19\\(e\\)\\(3\\)\\(i\\) {#section_k21_bqd_d2c .section}",
        "Topic 3: TILA - 12 C.F.R. §1026.19\\(f\\)\\(1\\)\\(i\\) and \\(f\\)\\(3\\)\\(i\\) {#section_t21_dqd_d2c .section}",
        "Topic 4: TILA - 12 C.F.R. §1026.19\\(f\\)\\(2\\)\\(v\\) {#section_gjn_3qd_d2c .section}",
        "Topic 5: TILA - 12 C.F.R. §1026.37\\(a\\)\\(13\\)\\(i\\) and \\(m\\)\\(4\\) {#section_vdk_jqd_d2c .section}",
        "Topic 6: TILA - 12 C.F.R. §1026.19\\(f\\)\\(3\\)\\(i\\) {#section_cr4_brd_d2c .section}",
        "Topic 7: TILA - 12 C.F.R. §1026.19\\(f\\)\\(2\\)\\(v\\) {#section_yvm_1rd_d2c .section}",
        "Topic 8: TILA - 12 C.F.R.§1026.24\\(c\\) {#section_ej4_3rd_d2c .section}",
        "Topic 9: TILA - 12 C.F.R. §1026.19\\(f\\)\\(1\\)\\(ii\\)\\(A\\) {#section_efg_trd_d2c .section}",
        "Topic 10: TILA - 12 C.F.R. §1026.38\\(g\\)\\(1\\)\\(i\\)\\(ii\\) {#section_eqv_xrd_d2c .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/approvedCourseTopics/nmlsFS_approvedCETopics2025.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/approvedCourseTopics/nmlsFS_approvedCETopics2026.md:chunk-0",
      "title": "Continuing Education \\(CE\\) Required Topic List for Annual CE Year 2026 {#nmlsFS_approvedCETopics2026 .concept}",
      "content": "# Continuing Education \\(CE\\) Required Topic List for Annual CE Year 2026 \n\nThe Course Provider Working Group \\(CPWG\\) reviewed the CE topic list on in October 2024; the Mortgage Testing and Education Board \\(MTEB\\) reviewed the list on November 21, 2024. The required topics are for CE to be delivered between January 1 and December 31, 2026.\n\n## Background: Who Established the Required CE Topics and Why? \n\n\\(Cover in 2-3 mins\\)\n\n**Important:** The required CE topics for 2026 have been selected by the Multi-State Mortgage Committee \\(MMC\\) and were derived from multistate exams that closed between Quarter 4, 2023, and Quarter 1, 2024. The MMC considers these top 10 topics important information that every Mortgage Loan Originator must adhere to during the origination of a loan to prevent viola tions actionable by State Regulators.\n\nFurthermore, the final action taken per the examination resulted in additional audits, issuance of corrected disclosures, written letters of explanation, refunding borrower’s funds, improved internal controls, employee training programs, corrective action of employees, and written assurances detailing policy and procedure amendments aimed at preventing future violations of the Act. The Multi-State Mortgage Committee \\(MMC\\) is comprised of 10 appointed State Regulator members and one Conference of State Bank Supervisors \\(CSBS\\) member. Their role is to implement cooperative protocol between state agencies and the financial industry. For more information, see CSBS-AARMR MMC Exam Manual\n\n-   The role of the State Regulator’s includes licensing and supervising of state-chartered banks and non-bank entities to include mortgage lenders. They ensure the financial services operates in a safe and sound manner.\n-   An examination is completed by State Regulators to determine if a financial institution is operating in compliance with state and federal laws. A review of a financial institutions loans and corporate records is conducted to decide wheth",
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      "headings": [
        "Continuing Education \\(CE\\) Required Topic List for Annual CE Year 2026 {#nmlsFS_approvedCETopics2026 .concept}",
        "Background: Who Established the Required CE Topics and Why? {#section_mdz_sqf_d2c .section}",
        "Topic 1: ECOA - 12 C.F.R. §1002.9\\(a\\)\\(1\\) {#section_hsm_xqf_d2c .section}",
        "Topic 2: ECOA - 12 C.F.R. §1002.9\\(a\\)\\(1\\)\\(ii\\) and \\(c\\)\\(1\\), 1002.12\\(b\\)\\(1\\), 1002.02\\(f\\) {#section_b5l_1rf_d2c .section}",
        "Topic 3: ECOA- 12 C.F.R.§1002.9\\(a\\)\\(2\\)\\(i\\) and \\(ii\\) {#section_lly_2rf_d2c .section}",
        "Topic 4: ECOA - 12 C.F.R. §1002.12\\(b\\)\\(1\\) {#section_kjx_hrf_d2c .section}",
        "Topic 5: TILA - 12 C.F.R. §1026.19\\(a\\) {#section_vc2_lrf_d2c .section}",
        "Topic 6: TILA - 12 C.F.R. §1026.19\\(e\\)\\(1\\)\\(i\\) and \\(e\\)\\(3\\)\\(i\\) {#section_vvc_nrf_d2c .section}",
        "Topic 7: TILA, 12 C.F.R. §1026.19\\(e\\)\\(3\\)\\(i\\) {#section_omg_prf_d2c .section}",
        "Topic 8: TILA - 12 C.F.R. §1026.19\\(e\\)\\(4\\)\\(i\\) {#section_lbq_qrf_d2c .section}",
        "Topic 9: TILA - 12 C.F.R. §1026.19\\(f\\)\\(3\\)\\(i\\) {#section_dts_rrf_d2c .section}",
        "Topic 10: TILA - 12 C.F.R. §1026.38\\(f\\)\\(2\\) {#section_dp5_trf_d2c .section}",
        "NON-APPROVED TOPIC LIST {#section_prx_xrf_d2c .section}"
      ],
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    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/approvedCourseTopics/nmlsFS_approvedCETopics2026.md:chunk-1",
      "title": "Continuing Education \\(CE\\) Required Topic List for Annual CE Year 2026 {#nmlsFS_approvedCETopics2026 .concept}",
      "content": "Regulators to determine if a financial institution is operating in compliance with state and federal laws. A review of a financial institutions loans and corporate records is conducted to decide whether the entities are effectively meeting the requirement to operate, monitor, and control risks associated with loan origination activities.\n-   Individual Mortgage Loan Originators are and will be held accountable by State Regulators for violations found during examinations.\n\n**For each required topic listed below, thoroughly review the citations, findings, and outline potential consequences and recommendations for the violations.**\n\nThese consequences and recommendations can be general, as they depend on the regulator’s interpretation. The objective is to help the student grasp the possible repercussions of wrong doings. Examples may include, but are not limited to: Additional audits, monetary fines and penalties \\(specify and cite the amounts\\), issuance of corrected disclosures, written letters of explanation, refunding borrower’s funds, improved internal controls, employee training programs, corrective action of employees, written assurances detailing policy and procedure amendments aimed at preventing future violations of the Act, etc.\n\n## Topic 1: ECOA - 12 C.F.R. §1002.9\\(a\\)\\(1\\) \n\n-   **Findings Title**: Notifications\n    -   **Citation Violation**: A creditor shall notify an applicant of action taken within: \\(i\\) 30 days after receiving a completed application concerning the creditor’s approval of, counterof fer to, or adverse action on the application.\n    -   **Examination Findings**: It was noted that on eleven \\(11\\) loan files the Licensee failed to provide the applicant a Notice of Incompleteness or a Notice of Adverse Action \\(a/k/a Statement of Credit Denial, Termination, or Change\\) or retain a copy of the letter when issued by the broker or lender within 30 days of a complete or incomplete application concerning the creditor’s approval of, counterof",
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      "headings": [
        "Continuing Education \\(CE\\) Required Topic List for Annual CE Year 2026 {#nmlsFS_approvedCETopics2026 .concept}",
        "Background: Who Established the Required CE Topics and Why? {#section_mdz_sqf_d2c .section}",
        "Topic 1: ECOA - 12 C.F.R. §1002.9\\(a\\)\\(1\\) {#section_hsm_xqf_d2c .section}",
        "Topic 2: ECOA - 12 C.F.R. §1002.9\\(a\\)\\(1\\)\\(ii\\) and \\(c\\)\\(1\\), 1002.12\\(b\\)\\(1\\), 1002.02\\(f\\) {#section_b5l_1rf_d2c .section}",
        "Topic 3: ECOA- 12 C.F.R.§1002.9\\(a\\)\\(2\\)\\(i\\) and \\(ii\\) {#section_lly_2rf_d2c .section}",
        "Topic 4: ECOA - 12 C.F.R. §1002.12\\(b\\)\\(1\\) {#section_kjx_hrf_d2c .section}",
        "Topic 5: TILA - 12 C.F.R. §1026.19\\(a\\) {#section_vc2_lrf_d2c .section}",
        "Topic 6: TILA - 12 C.F.R. §1026.19\\(e\\)\\(1\\)\\(i\\) and \\(e\\)\\(3\\)\\(i\\) {#section_vvc_nrf_d2c .section}",
        "Topic 7: TILA, 12 C.F.R. §1026.19\\(e\\)\\(3\\)\\(i\\) {#section_omg_prf_d2c .section}",
        "Topic 8: TILA - 12 C.F.R. §1026.19\\(e\\)\\(4\\)\\(i\\) {#section_lbq_qrf_d2c .section}",
        "Topic 9: TILA - 12 C.F.R. §1026.19\\(f\\)\\(3\\)\\(i\\) {#section_dts_rrf_d2c .section}",
        "Topic 10: TILA - 12 C.F.R. §1026.38\\(f\\)\\(2\\) {#section_dp5_trf_d2c .section}",
        "NON-APPROVED TOPIC LIST {#section_prx_xrf_d2c .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/approvedCourseTopics/nmlsFS_approvedCETopics2026.html",
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    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/approvedCourseTopics/nmlsFS_approvedCETopics2026.md:chunk-2",
      "title": "Continuing Education \\(CE\\) Required Topic List for Annual CE Year 2026 {#nmlsFS_approvedCETopics2026 .concept}",
      "content": "ial, Termination, or Change\\) or retain a copy of the letter when issued by the broker or lender within 30 days of a complete or incomplete application concerning the creditor’s approval of, counteroffer to, or adverse action on the application, or 90 days after notifying the applicant of the counter offer if the applicant does not expressly accept or use the credit offered. The Licensee’s MLOs obtained application information, such as credit reports, to evaluate the applicants’ credit worthiness but failed to act with reasonable diligence to collect information to complete the application. The Licensee’s records failed to document the actions taken by the Licensee to complete the application nor sent a Notice of Incompleteness or denying the application outright for an incomplete application.\n\n        The Licensee is required to provide the consumer with a Notice of Action Taken as outlined in Regulation B §1002.9\\(c\\)\\(2\\) and commentary 2\\(f\\)-6 requires the creditor to act with reasonable diligence to collect information needed to complete the application.\n\n## Topic 2: ECOA - 12 C.F.R. §1002.9\\(a\\)\\(1\\)\\(ii\\) and \\(c\\)\\(1\\), 1002.12\\(b\\)\\(1\\), 1002.02\\(f\\) \n\n-   **Findings Title**: Notifications of Actions Taken\n    -   **Citation Violation**:\n        -   12 C.F.R. §§ 1002.9\\(a\\)\\(1\\)\\(ii\\) and \\(c\\)\\(1\\) Requires a creditor notify an applicant of action taken within 30 days after taking an adverse action on an incomplete application or notify an applicant of application being incomplete.\n        -   12 C.F.R. § 1002.12\\(b\\)\\(1\\) Requires a creditor to retain, for 25 months, the notification of action taken in original form or a copy thereof.\n        -   12 C.F.R. § 1002.2\\(f\\) Defines an application as “an oral or written request for an exten sion of credit that is made in accordance with procedures used by a creditor for the type of credit requested.” The creditor is also responsible for reasonable due diligence to ob tain any required information for a comple",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\approvedCourseTopics\\nmlsFS_approvedCETopics2026.md",
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      "headings": [
        "Continuing Education \\(CE\\) Required Topic List for Annual CE Year 2026 {#nmlsFS_approvedCETopics2026 .concept}",
        "Background: Who Established the Required CE Topics and Why? {#section_mdz_sqf_d2c .section}",
        "Topic 1: ECOA - 12 C.F.R. §1002.9\\(a\\)\\(1\\) {#section_hsm_xqf_d2c .section}",
        "Topic 2: ECOA - 12 C.F.R. §1002.9\\(a\\)\\(1\\)\\(ii\\) and \\(c\\)\\(1\\), 1002.12\\(b\\)\\(1\\), 1002.02\\(f\\) {#section_b5l_1rf_d2c .section}",
        "Topic 3: ECOA- 12 C.F.R.§1002.9\\(a\\)\\(2\\)\\(i\\) and \\(ii\\) {#section_lly_2rf_d2c .section}",
        "Topic 4: ECOA - 12 C.F.R. §1002.12\\(b\\)\\(1\\) {#section_kjx_hrf_d2c .section}",
        "Topic 5: TILA - 12 C.F.R. §1026.19\\(a\\) {#section_vc2_lrf_d2c .section}",
        "Topic 6: TILA - 12 C.F.R. §1026.19\\(e\\)\\(1\\)\\(i\\) and \\(e\\)\\(3\\)\\(i\\) {#section_vvc_nrf_d2c .section}",
        "Topic 7: TILA, 12 C.F.R. §1026.19\\(e\\)\\(3\\)\\(i\\) {#section_omg_prf_d2c .section}",
        "Topic 8: TILA - 12 C.F.R. §1026.19\\(e\\)\\(4\\)\\(i\\) {#section_lbq_qrf_d2c .section}",
        "Topic 9: TILA - 12 C.F.R. §1026.19\\(f\\)\\(3\\)\\(i\\) {#section_dts_rrf_d2c .section}",
        "Topic 10: TILA - 12 C.F.R. §1026.38\\(f\\)\\(2\\) {#section_dp5_trf_d2c .section}",
        "NON-APPROVED TOPIC LIST {#section_prx_xrf_d2c .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/approvedCourseTopics/nmlsFS_approvedCETopics2026.html",
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    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/approvedCourseTopics/nmlsFS_approvedCETopics2026.md:chunk-3",
      "title": "Continuing Education \\(CE\\) Required Topic List for Annual CE Year 2026 {#nmlsFS_approvedCETopics2026 .concept}",
      "content": " made in accordance with procedures used by a creditor for the type of credit requested.” The creditor is also responsible for reasonable due diligence to ob tain any required information for a completed application.\n    -   **Examination Findings**: A one-month sample of credit bureau logs along with the originated and adverse loan production logs were reviewed.\n\n        There were 61 credit pulls classified by the company as a Prequalification with No GFE/ Inquiry only. No other documentation was tied to the credit pulls. Upon questioning, the company's explanation was “Pursuant to ECOA, there are situations where a borrower can simply inquire, and the inquiry does not rise to the level of an ECOA application. ECOA gives lenders the latitude to establish their own application process and decide what information is required to constitute an application. However, the company has a dedicated team in its Consumer Direct division responsible for contacting consumers who submit an inquiry through the online portal, assuming actual accurate contact information was provided.”\n\n        Of the 61 missing transactions, 21 had credit information requested by a company licensed online tool and 40 transactions had credit information requested by the MLO. Amongst several items the borrowers' entire credit profile was obtained.\n\n        The company policy document stated that “For purposes of Regulation B, the company uses the same procedures and requires receipt of the same information in the same format and same location as described above in the TRID Section to define an “Application.” According to the company's own definition, all 61 missing applications would have been considered incomplete applications. The company failed to produce the Notice of Incompleteness, or any supporting documentation including conversation logs and notes regarding the transactions.\n\n        Furthermore, records of 15 credit pulls related the handling of the request for credit including any convers",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\approvedCourseTopics\\nmlsFS_approvedCETopics2026.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\approvedCourseTopics\\nmlsFS_approvedCETopics2026.md",
      "headings": [
        "Continuing Education \\(CE\\) Required Topic List for Annual CE Year 2026 {#nmlsFS_approvedCETopics2026 .concept}",
        "Background: Who Established the Required CE Topics and Why? {#section_mdz_sqf_d2c .section}",
        "Topic 1: ECOA - 12 C.F.R. §1002.9\\(a\\)\\(1\\) {#section_hsm_xqf_d2c .section}",
        "Topic 2: ECOA - 12 C.F.R. §1002.9\\(a\\)\\(1\\)\\(ii\\) and \\(c\\)\\(1\\), 1002.12\\(b\\)\\(1\\), 1002.02\\(f\\) {#section_b5l_1rf_d2c .section}",
        "Topic 3: ECOA- 12 C.F.R.§1002.9\\(a\\)\\(2\\)\\(i\\) and \\(ii\\) {#section_lly_2rf_d2c .section}",
        "Topic 4: ECOA - 12 C.F.R. §1002.12\\(b\\)\\(1\\) {#section_kjx_hrf_d2c .section}",
        "Topic 5: TILA - 12 C.F.R. §1026.19\\(a\\) {#section_vc2_lrf_d2c .section}",
        "Topic 6: TILA - 12 C.F.R. §1026.19\\(e\\)\\(1\\)\\(i\\) and \\(e\\)\\(3\\)\\(i\\) {#section_vvc_nrf_d2c .section}",
        "Topic 7: TILA, 12 C.F.R. §1026.19\\(e\\)\\(3\\)\\(i\\) {#section_omg_prf_d2c .section}",
        "Topic 8: TILA - 12 C.F.R. §1026.19\\(e\\)\\(4\\)\\(i\\) {#section_lbq_qrf_d2c .section}",
        "Topic 9: TILA - 12 C.F.R. §1026.19\\(f\\)\\(3\\)\\(i\\) {#section_dts_rrf_d2c .section}",
        "Topic 10: TILA - 12 C.F.R. §1026.38\\(f\\)\\(2\\) {#section_dp5_trf_d2c .section}",
        "NON-APPROVED TOPIC LIST {#section_prx_xrf_d2c .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/approvedCourseTopics/nmlsFS_approvedCETopics2026.html",
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    {
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      "title": "Continuing Education \\(CE\\) Required Topic List for Annual CE Year 2026 {#nmlsFS_approvedCETopics2026 .concept}",
      "content": "ng documentation including conversation logs and notes regarding the transactions.\n\n        Furthermore, records of 15 credit pulls related the handling of the request for credit including any conversation logs or supporting documentation were requested. The company failed to produce any Notice of Adverse Action, Notice of Incompleteness, or any supporting documentation including conversation logs and notes regarding the transactions. The company failed to act with reasonable due diligence to complete the application in violation of Regulation B § 1002.2\\(f\\). Compliance with ECOA was unable to be determined regarding the purpose \\(purchase/refinance\\) for the request for credit due to the company's lack of supporting documentation.\n\n## Topic 3: ECOA- 12 C.F.R.§1002.9\\(a\\)\\(2\\)\\(i\\) and \\(ii\\) \n\n-   **Findings Title**: Adverse Action Not Compliant – Failure to Indicate Specific Reasons\n    -   **Citation Violation**: A notification given to an applicant when adverse action is taken shall contain “A statement of specific reasons for the action taken; or a disclosure of the applicant’s right to a statement of specific reasons within 30 days, if the statement is re quested within 60 days of the creditor’s notification.” Whereas Section 1002.9\\(b\\)\\(2\\) states “Statement of specific reasons. The statement of reasons for adverse action re quired by paragraph \\(a\\)\\(2\\)\\(i\\) of this section must be specific and indicate the principal reason\\(s\\) for the adverse action. Statements that the adverse action was based on the creditor's internal standards or policies or that the applicant, joint applicant, or similar party failed to achieve a qualifying score on the creditor's credit scoring system are insufficient.”\n    -   **Examination Findings**: The company issued Notifications of Action Taken stating: “Does not meet minimum investor guidelines” as the reason for the denial. This general explanation for denial does not provide the applicant with specific information regard",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\approvedCourseTopics\\nmlsFS_approvedCETopics2026.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\approvedCourseTopics\\nmlsFS_approvedCETopics2026.md",
      "headings": [
        "Continuing Education \\(CE\\) Required Topic List for Annual CE Year 2026 {#nmlsFS_approvedCETopics2026 .concept}",
        "Background: Who Established the Required CE Topics and Why? {#section_mdz_sqf_d2c .section}",
        "Topic 1: ECOA - 12 C.F.R. §1002.9\\(a\\)\\(1\\) {#section_hsm_xqf_d2c .section}",
        "Topic 2: ECOA - 12 C.F.R. §1002.9\\(a\\)\\(1\\)\\(ii\\) and \\(c\\)\\(1\\), 1002.12\\(b\\)\\(1\\), 1002.02\\(f\\) {#section_b5l_1rf_d2c .section}",
        "Topic 3: ECOA- 12 C.F.R.§1002.9\\(a\\)\\(2\\)\\(i\\) and \\(ii\\) {#section_lly_2rf_d2c .section}",
        "Topic 4: ECOA - 12 C.F.R. §1002.12\\(b\\)\\(1\\) {#section_kjx_hrf_d2c .section}",
        "Topic 5: TILA - 12 C.F.R. §1026.19\\(a\\) {#section_vc2_lrf_d2c .section}",
        "Topic 6: TILA - 12 C.F.R. §1026.19\\(e\\)\\(1\\)\\(i\\) and \\(e\\)\\(3\\)\\(i\\) {#section_vvc_nrf_d2c .section}",
        "Topic 7: TILA, 12 C.F.R. §1026.19\\(e\\)\\(3\\)\\(i\\) {#section_omg_prf_d2c .section}",
        "Topic 8: TILA - 12 C.F.R. §1026.19\\(e\\)\\(4\\)\\(i\\) {#section_lbq_qrf_d2c .section}",
        "Topic 9: TILA - 12 C.F.R. §1026.19\\(f\\)\\(3\\)\\(i\\) {#section_dts_rrf_d2c .section}",
        "Topic 10: TILA - 12 C.F.R. §1026.38\\(f\\)\\(2\\) {#section_dp5_trf_d2c .section}",
        "NON-APPROVED TOPIC LIST {#section_prx_xrf_d2c .section}"
      ],
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    {
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      "title": "Continuing Education \\(CE\\) Required Topic List for Annual CE Year 2026 {#nmlsFS_approvedCETopics2026 .concept}",
      "content": "s of Action Taken stating: “Does not meet minimum investor guidelines” as the reason for the denial. This general explanation for denial does not provide the applicant with specific information regarding the reasons for the application’s rejection and therefore considered insufficient.\n\n## Topic 4: ECOA - 12 C.F.R. §1002.12\\(b\\)\\(1\\) \n\n-   **Findings Title**: Records to be Maintained\n    -   **Citation Violation**: For 25 months \\(12 months for business credit, except as provided in paragraph \\(b\\)\\(5\\) of this section or otherwise provided for in subpart B of this part\\) after the date that a creditor notifies an applicant of action taken on an application or of in completeness, the creditor shall retain in original form or a copy thereof: \\(i\\) Any applica tion that it receives, any information required to be obtained concerning characteristics of the applicant to monitor compliance with the Act and this part or other similar law, any information obtained pursuant to § 1002.5\\(a\\)\\(4\\), and any other written or recorded infor mation used in evaluating the application and not returned to the applicant at the applicant's request..\n    -   **Examination Findings**: The company was using the Factual Pre-Qualification Credit Report product, which enables it to obtain a credit report from the three major credit reporting agencies \\(Transunion, Equifax, and Experian\\) through a soft credit inquiry for the purpose of prequalifying consumers. The process for pulling soft credit inquires is to obtain the consumers name, social security number, date of birth, current address, and authorization for prequalification credit report. This report allows the mortgage loan originator \\(MLO\\) to review the borrower’s liabilities, credit history and credit scores prior to pulling a hard pull credit report. The credit inquiry is downloaded into the company’s underwriting software and allows the MLO to generate a prequalification estimate. During the meeting, it was represented by the c",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\approvedCourseTopics\\nmlsFS_approvedCETopics2026.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\approvedCourseTopics\\nmlsFS_approvedCETopics2026.md",
      "headings": [
        "Continuing Education \\(CE\\) Required Topic List for Annual CE Year 2026 {#nmlsFS_approvedCETopics2026 .concept}",
        "Background: Who Established the Required CE Topics and Why? {#section_mdz_sqf_d2c .section}",
        "Topic 1: ECOA - 12 C.F.R. §1002.9\\(a\\)\\(1\\) {#section_hsm_xqf_d2c .section}",
        "Topic 2: ECOA - 12 C.F.R. §1002.9\\(a\\)\\(1\\)\\(ii\\) and \\(c\\)\\(1\\), 1002.12\\(b\\)\\(1\\), 1002.02\\(f\\) {#section_b5l_1rf_d2c .section}",
        "Topic 3: ECOA- 12 C.F.R.§1002.9\\(a\\)\\(2\\)\\(i\\) and \\(ii\\) {#section_lly_2rf_d2c .section}",
        "Topic 4: ECOA - 12 C.F.R. §1002.12\\(b\\)\\(1\\) {#section_kjx_hrf_d2c .section}",
        "Topic 5: TILA - 12 C.F.R. §1026.19\\(a\\) {#section_vc2_lrf_d2c .section}",
        "Topic 6: TILA - 12 C.F.R. §1026.19\\(e\\)\\(1\\)\\(i\\) and \\(e\\)\\(3\\)\\(i\\) {#section_vvc_nrf_d2c .section}",
        "Topic 7: TILA, 12 C.F.R. §1026.19\\(e\\)\\(3\\)\\(i\\) {#section_omg_prf_d2c .section}",
        "Topic 8: TILA - 12 C.F.R. §1026.19\\(e\\)\\(4\\)\\(i\\) {#section_lbq_qrf_d2c .section}",
        "Topic 9: TILA - 12 C.F.R. §1026.19\\(f\\)\\(3\\)\\(i\\) {#section_dts_rrf_d2c .section}",
        "Topic 10: TILA - 12 C.F.R. §1026.38\\(f\\)\\(2\\) {#section_dp5_trf_d2c .section}",
        "NON-APPROVED TOPIC LIST {#section_prx_xrf_d2c .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/approvedCourseTopics/nmlsFS_approvedCETopics2026.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/approvedCourseTopics/nmlsFS_approvedCETopics2026.md:chunk-6",
      "title": "Continuing Education \\(CE\\) Required Topic List for Annual CE Year 2026 {#nmlsFS_approvedCETopics2026 .concept}",
      "content": "ull credit report. The credit inquiry is downloaded into the company’s underwriting software and allows the MLO to generate a prequalification estimate. During the meeting, it was represented by the company that other than the credit bureau record, no records such as a conversation log detailing the MLOs discussion with the consumer, or copies of the pre-qualification letter \\(unless the consumer completes an application\\), are maintained in their loan origination software \\(LOS\\) or company records. It appears the Licensee does not consider the process of gathering demographic information, such as a social security number, date of birth, address, and name as taking an application. It was also represented that if the consumer did not qualify for a mortgage program, the branch would need to submit a statement of denial. Other than encouraging the consumer to complete an application when a consumer qualifies for a residential mortgage loan, there is no record of the company’s due diligence to complete the applications.\n\n        The Licensee should be aware of the use of the consumer credit report to make a credit decision requires a Notice of Action Taken, or Notice of Incompleteness, as required by 12 CFR §1002.9\\(c\\)\\(1\\).\n\n        Also, the Act requires the Licensee to maintain records of its MLO actions so that the Director can determine compliance. The Department suggests the company review Commentary for 12 CFR §1002.2\\(f\\) regarding the company’s responsibilities to complete the application. Most specifically, comment 2\\(f\\)-5\\(ii\\) which provides examples of applications, and Comment 2\\(f\\)-6 which describes the due diligence requirements to complete the application.\n\n        It appears based on commentary, the company is taking an application but treating the request as an inquiry or prequalification. The Licensee represented that they do not consider the credit bureau pulls completed via the soft pull prequalification an application for credit until the cons",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\approvedCourseTopics\\nmlsFS_approvedCETopics2026.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\approvedCourseTopics\\nmlsFS_approvedCETopics2026.md",
      "headings": [
        "Continuing Education \\(CE\\) Required Topic List for Annual CE Year 2026 {#nmlsFS_approvedCETopics2026 .concept}",
        "Background: Who Established the Required CE Topics and Why? {#section_mdz_sqf_d2c .section}",
        "Topic 1: ECOA - 12 C.F.R. §1002.9\\(a\\)\\(1\\) {#section_hsm_xqf_d2c .section}",
        "Topic 2: ECOA - 12 C.F.R. §1002.9\\(a\\)\\(1\\)\\(ii\\) and \\(c\\)\\(1\\), 1002.12\\(b\\)\\(1\\), 1002.02\\(f\\) {#section_b5l_1rf_d2c .section}",
        "Topic 3: ECOA- 12 C.F.R.§1002.9\\(a\\)\\(2\\)\\(i\\) and \\(ii\\) {#section_lly_2rf_d2c .section}",
        "Topic 4: ECOA - 12 C.F.R. §1002.12\\(b\\)\\(1\\) {#section_kjx_hrf_d2c .section}",
        "Topic 5: TILA - 12 C.F.R. §1026.19\\(a\\) {#section_vc2_lrf_d2c .section}",
        "Topic 6: TILA - 12 C.F.R. §1026.19\\(e\\)\\(1\\)\\(i\\) and \\(e\\)\\(3\\)\\(i\\) {#section_vvc_nrf_d2c .section}",
        "Topic 7: TILA, 12 C.F.R. §1026.19\\(e\\)\\(3\\)\\(i\\) {#section_omg_prf_d2c .section}",
        "Topic 8: TILA - 12 C.F.R. §1026.19\\(e\\)\\(4\\)\\(i\\) {#section_lbq_qrf_d2c .section}",
        "Topic 9: TILA - 12 C.F.R. §1026.19\\(f\\)\\(3\\)\\(i\\) {#section_dts_rrf_d2c .section}",
        "Topic 10: TILA - 12 C.F.R. §1026.38\\(f\\)\\(2\\) {#section_dp5_trf_d2c .section}",
        "NON-APPROVED TOPIC LIST {#section_prx_xrf_d2c .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/approvedCourseTopics/nmlsFS_approvedCETopics2026.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/approvedCourseTopics/nmlsFS_approvedCETopics2026.md:chunk-7",
      "title": "Continuing Education \\(CE\\) Required Topic List for Annual CE Year 2026 {#nmlsFS_approvedCETopics2026 .concept}",
      "content": "uest as an inquiry or prequalification. The Licensee represented that they do not consider the credit bureau pulls completed via the soft pull prequalification an application for credit until the consumer officially completes an application.\n\n        The Licensee should be aware that a credit report is not a requirement for an application as defined by 12 CFR §1026.2\\(a\\)\\(3\\)\\(ii\\) which requires, in addition to other elements, the consumers social security number to obtain a credit report. Until the Licensee can demonstrate compliance with the use of the prequalification soft credit pulls to include oversight, handling, and record retention, the Licensee should not be offering this product to consumers seeking a residential mortgage loan.\n\n## Topic 5: TILA - 12 C.F.R. §1026.19\\(a\\) \n\n-   **Findings Title**: Timely Disclosure\n    -   **Citation Violation**: The creditor shall provide the consumer with good faith estimates of the disclosures and shall deliver or place them in the mail not later than the third busi ness day after the creditor receives the consumer's written application.\n    -   **Examination Findings**: The Licensee failed to deliver a Loan Estimate \\(LE\\) within three days of a completed application. The Licensee obtained the required six items of infor mation \\(address, loan amount, income, estimate of value, name, and social security number\\) to satisfy TILA-RESPA Integrated Disclosure \\(TRID\\) requirements for a com pleted application but, failed to timely issue the required initial LE, and failed to timely enter the data into the loan origination software \\(LOS\\) to trigger required disclosures. Additionally, this is a repeat violation of a previous Report of Examination. The Licensee failed to take corrective actions within their procedures, enact controls within the \\(LOS\\), or failed to audit its production to ensure MLOs timely enter triggering application data into its LOS, to prevent repeated violations.\n\n## Topic 6: TILA - 12 C.F.R. §1026",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\approvedCourseTopics\\nmlsFS_approvedCETopics2026.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\approvedCourseTopics\\nmlsFS_approvedCETopics2026.md",
      "headings": [
        "Continuing Education \\(CE\\) Required Topic List for Annual CE Year 2026 {#nmlsFS_approvedCETopics2026 .concept}",
        "Background: Who Established the Required CE Topics and Why? {#section_mdz_sqf_d2c .section}",
        "Topic 1: ECOA - 12 C.F.R. §1002.9\\(a\\)\\(1\\) {#section_hsm_xqf_d2c .section}",
        "Topic 2: ECOA - 12 C.F.R. §1002.9\\(a\\)\\(1\\)\\(ii\\) and \\(c\\)\\(1\\), 1002.12\\(b\\)\\(1\\), 1002.02\\(f\\) {#section_b5l_1rf_d2c .section}",
        "Topic 3: ECOA- 12 C.F.R.§1002.9\\(a\\)\\(2\\)\\(i\\) and \\(ii\\) {#section_lly_2rf_d2c .section}",
        "Topic 4: ECOA - 12 C.F.R. §1002.12\\(b\\)\\(1\\) {#section_kjx_hrf_d2c .section}",
        "Topic 5: TILA - 12 C.F.R. §1026.19\\(a\\) {#section_vc2_lrf_d2c .section}",
        "Topic 6: TILA - 12 C.F.R. §1026.19\\(e\\)\\(1\\)\\(i\\) and \\(e\\)\\(3\\)\\(i\\) {#section_vvc_nrf_d2c .section}",
        "Topic 7: TILA, 12 C.F.R. §1026.19\\(e\\)\\(3\\)\\(i\\) {#section_omg_prf_d2c .section}",
        "Topic 8: TILA - 12 C.F.R. §1026.19\\(e\\)\\(4\\)\\(i\\) {#section_lbq_qrf_d2c .section}",
        "Topic 9: TILA - 12 C.F.R. §1026.19\\(f\\)\\(3\\)\\(i\\) {#section_dts_rrf_d2c .section}",
        "Topic 10: TILA - 12 C.F.R. §1026.38\\(f\\)\\(2\\) {#section_dp5_trf_d2c .section}",
        "NON-APPROVED TOPIC LIST {#section_prx_xrf_d2c .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/approvedCourseTopics/nmlsFS_approvedCETopics2026.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/approvedCourseTopics/nmlsFS_approvedCETopics2026.md:chunk-8",
      "title": "Continuing Education \\(CE\\) Required Topic List for Annual CE Year 2026 {#nmlsFS_approvedCETopics2026 .concept}",
      "content": "controls within the \\(LOS\\), or failed to audit its production to ensure MLOs timely enter triggering application data into its LOS, to prevent repeated violations.\n\n## Topic 6: TILA - 12 C.F.R. §1026.19\\(e\\)\\(1\\)\\(i\\) and \\(e\\)\\(3\\)\\(i\\) \n\n-   **Findings Title**: Loan Estimate Tolerance\n    -   **Citation Violation**: Closing costs disclosed in the Loan Estimate \\(LE\\) are in good faith if the charges paid by or imposed on the consumer do not exceed the amount originally disclosed in \\(e\\)\\(1\\)\\(i\\) of this section.\n    -   **Examination Findings**: The exam team identified loan files that reflect fees exceeding the amount originally disclosed on the LE.\n\n## Topic 7: TILA, 12 C.F.R. §1026.19\\(e\\)\\(3\\)\\(i\\) \n\n-   **Findings Title**: 0% Tolerance – Good Faith Costs Exceeded\n    -   **Citation Violation**: An estimated closing cost is in good faith if it does not exceed the amount originally disclosed. A revised estimate may be used in the event of a valid changed circumstance if the revised fee is disclosed to the borrower within three business days of the change. Third-party fees the borrower cannot shop for are subject to a zero percent tolerance limit. In addition, recording fees may increase by no more than ten percent from the amount initially disclosed on the Loan Estimate \\(LE\\) without a valid changed circumstance. § 1026.19\\(e\\)\\(3\\) and \\(4\\).\n    -   **Examination Findings**: Instances were identified where the company charged an ap praisal fee on the Closing Disclosure \\(CD\\) that exceeded the amount disclosed on the initial Loan Estimate \\(LE\\) in section B: “Services You Cannot Shop For.” This section has a zero tolerance for variations or discrepancies from the LE to the CD.\n\n## Topic 8: TILA - 12 C.F.R. §1026.19\\(e\\)\\(4\\)\\(i\\) \n\n-   **Findings Title**: Loan Estimate - Allowable Reasons and Timing for Revised Disclosure\n    -   **Citation Violation**: If a creditor uses a revised estimate pursuant to paragraph \\(e\\)\\(3\\)\\(iv\\) of this section, for the ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\approvedCourseTopics\\nmlsFS_approvedCETopics2026.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\approvedCourseTopics\\nmlsFS_approvedCETopics2026.md",
      "headings": [
        "Continuing Education \\(CE\\) Required Topic List for Annual CE Year 2026 {#nmlsFS_approvedCETopics2026 .concept}",
        "Background: Who Established the Required CE Topics and Why? {#section_mdz_sqf_d2c .section}",
        "Topic 1: ECOA - 12 C.F.R. §1002.9\\(a\\)\\(1\\) {#section_hsm_xqf_d2c .section}",
        "Topic 2: ECOA - 12 C.F.R. §1002.9\\(a\\)\\(1\\)\\(ii\\) and \\(c\\)\\(1\\), 1002.12\\(b\\)\\(1\\), 1002.02\\(f\\) {#section_b5l_1rf_d2c .section}",
        "Topic 3: ECOA- 12 C.F.R.§1002.9\\(a\\)\\(2\\)\\(i\\) and \\(ii\\) {#section_lly_2rf_d2c .section}",
        "Topic 4: ECOA - 12 C.F.R. §1002.12\\(b\\)\\(1\\) {#section_kjx_hrf_d2c .section}",
        "Topic 5: TILA - 12 C.F.R. §1026.19\\(a\\) {#section_vc2_lrf_d2c .section}",
        "Topic 6: TILA - 12 C.F.R. §1026.19\\(e\\)\\(1\\)\\(i\\) and \\(e\\)\\(3\\)\\(i\\) {#section_vvc_nrf_d2c .section}",
        "Topic 7: TILA, 12 C.F.R. §1026.19\\(e\\)\\(3\\)\\(i\\) {#section_omg_prf_d2c .section}",
        "Topic 8: TILA - 12 C.F.R. §1026.19\\(e\\)\\(4\\)\\(i\\) {#section_lbq_qrf_d2c .section}",
        "Topic 9: TILA - 12 C.F.R. §1026.19\\(f\\)\\(3\\)\\(i\\) {#section_dts_rrf_d2c .section}",
        "Topic 10: TILA - 12 C.F.R. §1026.38\\(f\\)\\(2\\) {#section_dp5_trf_d2c .section}",
        "NON-APPROVED TOPIC LIST {#section_prx_xrf_d2c .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/approvedCourseTopics/nmlsFS_approvedCETopics2026.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/approvedCourseTopics/nmlsFS_approvedCETopics2026.md:chunk-9",
      "title": "Continuing Education \\(CE\\) Required Topic List for Annual CE Year 2026 {#nmlsFS_approvedCETopics2026 .concept}",
      "content": "an Estimate - Allowable Reasons and Timing for Revised Disclosure\n    -   **Citation Violation**: If a creditor uses a revised estimate pursuant to paragraph \\(e\\)\\(3\\)\\(iv\\) of this section, for the purpose of determining good faith under paragraphs \\(e\\)\\(3\\)\\(i\\) and \\(ii\\) of this section, the creditor must provide a revised version of the disclosures within three business days of receiving information sufficient to establish that one of the rea sons for revision applies.\n    -   **Examination Findings**: Loan files where the company did not issue a revised LE.\n\n## Topic 9: TILA - 12 C.F.R. §1026.19\\(f\\)\\(3\\)\\(i\\) \n\n-   **Findings Title**: 0% Tolerance – Collection of Excessive Fees\n    -   **Citation Violation**: The amount imposed on the consumer for any settlement service shall not exceed the amount actually received by the settlement service provider for that service.\n    -   **Examination Findings**: A loan had a $720 charge for an appraisal fee on the final signed CD. The invoice for the appraisal provided in the loan file was $680 for the appraisal's cost. The borrower was charged $40 more than the actual cost of the appraisal.\n\n## Topic 10: TILA - 12 C.F.R. §1026.38\\(f\\)\\(2\\) \n\n-   **Findings Title**: Closing Disclosure Not Completed Correctly\n    -   **Citation Violation**: Requires, in part, the name of the person ultimately receiving the payment for each service under the subheading “Services Borrower Did Not Shop For.”\n    -   **Examination Findings**: The CD provided to borrower disclosed the ultimate recipient for the mortgage insurance premium as “To Be Determined.” For another borrower, the ultimate recipient for 442 Completion \\(an appraisal fee\\) was listed as “TBD.”\n\n## NON-APPROVED TOPIC LIST \n\nThe following course topics have been determined to not be not in compliance with the **SAFE Act**:\n\n-   Any course not directly tied to the negotiating, taking, and processing of a residential loan application.\n-   General Self-Improvement Courses\n-  ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\approvedCourseTopics\\nmlsFS_approvedCETopics2026.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\approvedCourseTopics\\nmlsFS_approvedCETopics2026.md",
      "headings": [
        "Continuing Education \\(CE\\) Required Topic List for Annual CE Year 2026 {#nmlsFS_approvedCETopics2026 .concept}",
        "Background: Who Established the Required CE Topics and Why? {#section_mdz_sqf_d2c .section}",
        "Topic 1: ECOA - 12 C.F.R. §1002.9\\(a\\)\\(1\\) {#section_hsm_xqf_d2c .section}",
        "Topic 2: ECOA - 12 C.F.R. §1002.9\\(a\\)\\(1\\)\\(ii\\) and \\(c\\)\\(1\\), 1002.12\\(b\\)\\(1\\), 1002.02\\(f\\) {#section_b5l_1rf_d2c .section}",
        "Topic 3: ECOA- 12 C.F.R.§1002.9\\(a\\)\\(2\\)\\(i\\) and \\(ii\\) {#section_lly_2rf_d2c .section}",
        "Topic 4: ECOA - 12 C.F.R. §1002.12\\(b\\)\\(1\\) {#section_kjx_hrf_d2c .section}",
        "Topic 5: TILA - 12 C.F.R. §1026.19\\(a\\) {#section_vc2_lrf_d2c .section}",
        "Topic 6: TILA - 12 C.F.R. §1026.19\\(e\\)\\(1\\)\\(i\\) and \\(e\\)\\(3\\)\\(i\\) {#section_vvc_nrf_d2c .section}",
        "Topic 7: TILA, 12 C.F.R. §1026.19\\(e\\)\\(3\\)\\(i\\) {#section_omg_prf_d2c .section}",
        "Topic 8: TILA - 12 C.F.R. §1026.19\\(e\\)\\(4\\)\\(i\\) {#section_lbq_qrf_d2c .section}",
        "Topic 9: TILA - 12 C.F.R. §1026.19\\(f\\)\\(3\\)\\(i\\) {#section_dts_rrf_d2c .section}",
        "Topic 10: TILA - 12 C.F.R. §1026.38\\(f\\)\\(2\\) {#section_dp5_trf_d2c .section}",
        "NON-APPROVED TOPIC LIST {#section_prx_xrf_d2c .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/approvedCourseTopics/nmlsFS_approvedCETopics2026.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/approvedCourseTopics/nmlsFS_approvedCETopics2026.md:chunk-10",
      "title": "Continuing Education \\(CE\\) Required Topic List for Annual CE Year 2026 {#nmlsFS_approvedCETopics2026 .concept}",
      "content": "not be not in compliance with the **SAFE Act**:\n\n-   Any course not directly tied to the negotiating, taking, and processing of a residential loan application.\n-   General Self-Improvement Courses\n-   Financial Planning Courses\n-   Any course relating to selling, sales, marketing, lead-generation, or business development\n-   Loan product training \\(loan sales, product marketing, or advertising\n-   Any course topics related to consumer data mining, market segmentation, or minority marketing practices\n-   Any information technology-related course\n-   Commercial lending\n-   Courses on any Federal or State law not directly tied to residential mortgage lending\n\n**Parent topic:**Approved and Not Approved Topics: PE and CE",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\approvedCourseTopics\\nmlsFS_approvedCETopics2026.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\approvedCourseTopics\\nmlsFS_approvedCETopics2026.md",
      "headings": [
        "Continuing Education \\(CE\\) Required Topic List for Annual CE Year 2026 {#nmlsFS_approvedCETopics2026 .concept}",
        "Background: Who Established the Required CE Topics and Why? {#section_mdz_sqf_d2c .section}",
        "Topic 1: ECOA - 12 C.F.R. §1002.9\\(a\\)\\(1\\) {#section_hsm_xqf_d2c .section}",
        "Topic 2: ECOA - 12 C.F.R. §1002.9\\(a\\)\\(1\\)\\(ii\\) and \\(c\\)\\(1\\), 1002.12\\(b\\)\\(1\\), 1002.02\\(f\\) {#section_b5l_1rf_d2c .section}",
        "Topic 3: ECOA- 12 C.F.R.§1002.9\\(a\\)\\(2\\)\\(i\\) and \\(ii\\) {#section_lly_2rf_d2c .section}",
        "Topic 4: ECOA - 12 C.F.R. §1002.12\\(b\\)\\(1\\) {#section_kjx_hrf_d2c .section}",
        "Topic 5: TILA - 12 C.F.R. §1026.19\\(a\\) {#section_vc2_lrf_d2c .section}",
        "Topic 6: TILA - 12 C.F.R. §1026.19\\(e\\)\\(1\\)\\(i\\) and \\(e\\)\\(3\\)\\(i\\) {#section_vvc_nrf_d2c .section}",
        "Topic 7: TILA, 12 C.F.R. §1026.19\\(e\\)\\(3\\)\\(i\\) {#section_omg_prf_d2c .section}",
        "Topic 8: TILA - 12 C.F.R. §1026.19\\(e\\)\\(4\\)\\(i\\) {#section_lbq_qrf_d2c .section}",
        "Topic 9: TILA - 12 C.F.R. §1026.19\\(f\\)\\(3\\)\\(i\\) {#section_dts_rrf_d2c .section}",
        "Topic 10: TILA - 12 C.F.R. §1026.38\\(f\\)\\(2\\) {#section_dp5_trf_d2c .section}",
        "NON-APPROVED TOPIC LIST {#section_prx_xrf_d2c .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/approvedCourseTopics/nmlsFS_approvedCETopics2026.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/approvedCourseTopics/nmlsFS_approvedNotApproved_chapterStart.md:chunk-0",
      "title": "Approved and Not Approved Topics: PE and CE {#xd_2b707b1b208c672f-671b430-199d8a028b2--7ff1 .concept}",
      "content": "# Approved and Not Approved Topics: PE and CE \n\nThe purpose of this policy is to identify the pre-licensure \\(PE\\) and continuing education \\(CE\\) topics NMLS has determined will satisfy the education requirements of the SAFE Act.\n\n-   **NMLS Policy on Approved and Not Approved Topic List for Pre-Licensure and Continuing Education Intended to Satisfy SAFE Act Education Requirements**  \nMay 23, 2025. Version 2025.1\n-   **Pre-Licensure Education \\(PE\\) Topic List**  \nThe Course Provider Working Group \\(CPWG\\) reviewed the PE topic list on April 18, 2017; the Mortgage Testing and Education Board \\(MTEB\\) reviewed and approved the list on April 20, 2017.\n-   **Continuing Education \\(CE\\) Approved Topic List**  \nLists acceptable topics for annual CE requirement for the Ethics and Nontraditional SAFE Act requirements. Topics are not specific to a CE year.\n-   **Continuing Education \\(CE\\) Required Topic List for Annual CE Year 2025**  \nThe Course Provider Sub-Working Group reviewed the CE topics list on October 2023; the Course Provider Working Group \\(CPWG\\) reviewed the CE topic list on November 14, 2023; the Mortgage Testing and Education Board \\(MTEB\\) reviewed the list on November 16, 2023. The required topics are for CE to be delivered between January 1 and December 31, 2025.\n-   **Continuing Education \\(CE\\) Required Topic List for Annual CE Year 2026**  \nThe Course Provider Working Group \\(CPWG\\) reviewed the CE topic list on in October 2024; the Mortgage Testing and Education Board \\(MTEB\\) reviewed the list on November 21, 2024. The required topics are for CE to be delivered between January 1 and December 31, 2026.\n-   **Non-Approved Topic List**  \nThe following course topics have been determined to be noncompliant with the SAFE Act.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\approvedCourseTopics\\nmlsFS_approvedNotApproved_chapterStart.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\approvedCourseTopics\\nmlsFS_approvedNotApproved_chapterStart.md",
      "headings": [
        "Approved and Not Approved Topics: PE and CE {#xd_2b707b1b208c672f-671b430-199d8a028b2--7ff1 .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/approvedCourseTopics/nmlsFS_approvedNotApproved_chapterStart.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/approvedCourseTopics/nmlsFS_approvedPEtopicList.md:chunk-0",
      "title": "Pre-Licensure Education \\(PE\\) Topic List {#nmlsFS_approvedPEtopicList .concept}",
      "content": "# Pre-Licensure Education \\(PE\\) Topic List \n\nThe Course Provider Working Group \\(CPWG\\) reviewed the PE topic list on April 18, 2017; the Mortgage Testing and Education Board \\(MTEB\\) reviewed and approved the list on April 20, 2017.\n\n## Overview of Mortgage Lending – \n\n-   History of the mortgage industry\n    -   Start of the mortgage industry\n    -   Events which led to the implementation of the federal laws and need for consumer protection. Role of the Mortgage Loan Originator in consumer protection.\n-   The positions in the mortgage industry and their roles\n    -   Definition, job description, and roles of: Mortgage Loan Originator \\(MLO\\), Mortgage Broker, Mortgage Banker, Registered Mortgage Loan Originator \\(RMLO\\), mortgage lender/funder, mortgage investor, mortgage servicer, mortgage underwriter, mortgage examiner, mortgage regulator.\n\n## Regulatory Authority Who Oversee the Mortgage Industry - \n\n-   Consumer Financial Protection Bureau \\(CFPB\\)\n    -   Federal oversight of the CFPB\n    -   Functions performed by the CFPB\n    -   CFPB oversight authority\n    -   Filing complaints with CFPB\n\n-   Department of Housing and Urban Development \\(HUD\\)\n    -   Primary function of HUD\n    -   Programs offered by HUD\n    -   Number of housing agencies required to be listed on the housing counseling disclosure\n    -   Types of loans that trigger the requirement for a counseling agency to consult with a borrower\n    -   Entities that HUD oversees\n    -   Fair Housing Law Protections \\(e.g., health status, etc.\\)\n\n## Federal Mortgage-Related Laws – \n\nTopics intended to satisfy the 3 hours of Federal Law\n\n-   Real Estate Settlement Procedures Act \\(RESPA\\), 12 CFR Part 1024 \\(Regulation X\\) o RESPA origins and purpose\n    -   Knowledge of the prohibitions, limitations and exemptions set by RESPA\n    -   Types of loans to which RESPA is applicable\n    -   Settlement services o Required disclosures to the customer for an MLO who is also a broker\n    -   Bona fide discoun",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\approvedCourseTopics\\nmlsFS_approvedPEtopicList.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\approvedCourseTopics\\nmlsFS_approvedPEtopicList.md",
      "headings": [
        "Pre-Licensure Education \\(PE\\) Topic List {#nmlsFS_approvedPEtopicList .concept}",
        "Overview of Mortgage Lending – {#section_yft_2h5_c2c .section}",
        "Regulatory Authority Who Oversee the Mortgage Industry - {#section_qlr_hh5_c2c .section}",
        "Federal Mortgage-Related Laws – {#section_hbp_vrw_c2c .section}",
        "Loan Origination Activities – {#section_lbg_kfv_c2c .section}",
        "Loan Inquiry and Application Process Requirements \\(1003\\) {#section_wtr_wfw_c2c .section}",
        "Loan Qualification Requirements, Processing, and Underwriting Borrower analysis {#section_qhp_mgw_c2c .section}",
        "Closing {#section_b4r_vgw_c2c .section}",
        "Financial Calculations/Mortgage Math/APR {#section_afc_gtw_c2c .section}",
        "Traditional and Non-Traditional Mortgage Products – {#section_z1w_gjw_c2c .section}",
        "Mortgage loan products {#section_ucm_zvw_c2c .section}",
        "Ethics – Topics intended to satisfy the 3 hours of Ethics, Fraud, and Consumer Protection. {#section_thm_y3w_c2c .section}",
        "Uniform State Content – {#section_kpj_t3w_c2c .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/approvedCourseTopics/nmlsFS_approvedPEtopicList.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/approvedCourseTopics/nmlsFS_approvedPEtopicList.md:chunk-1",
      "title": "Pre-Licensure Education \\(PE\\) Topic List {#nmlsFS_approvedPEtopicList .concept}",
      "content": "exemptions set by RESPA\n    -   Types of loans to which RESPA is applicable\n    -   Settlement services o Required disclosures to the customer for an MLO who is also a broker\n    -   Bona fide discount points and application during a mortgage loan origination\n    -   Required information from a borrower that must be included on an application \\(Regulation X\\) o Knowledge of third party settlement service providers\n    -   Overview of the foreclosure process\n    -   Initial escrow statements\n    -   Changes that can be made to the HUD-1/Good Faith Estimate\n    -   Issuing a Good Faith Estimate when not all information has been provided\n-   Equal Credit Opportunity Act \\(ECOA\\), 12 CFR Part 1002 \\(Regulation B\\)\n    -   Factors that cannot be used to discriminate\n    -   Notifying borrower of action taken\n    -   General permissible acts under the Equal Credit Opportunity Act\n    -   Circumstances when it is acceptable to deny credit/loan\n    -   Components of a “notice of adverse action”\n    -   Definition of “adverse action”\n    -   General provisions of Regulation B\n    -   Exceptions to providing the appraisal report\n    -   “Prohibited Factors”\n    -   Required disclosures when an application is denied\n    -   Acceptable terms used to describe marital status\n    -   Adverse action notice, including when multiple applicants/guarantors are on the loan request\n    -   “Disparate treatment” scenarios\n    -   Record retention timelines\n    -   Requirement for a co-signer\n    -   Factors considered when determining creditworthiness\n    -   Types of acceptable income considered in a loan review\n    -   Requests for missing application information\n    -   Adverse action scenarios\n    -   Information required on a loan application\n    -   Adverse action characteristics\n    -   Timeframe for sending an adverse action to an applicant\n    -   Actions an MLO should take when a borrower refuses to provide ethnic, race or gender information\n-   Truth-in-Lending Act \\(TILA\\), 12",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\approvedCourseTopics\\nmlsFS_approvedPEtopicList.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\approvedCourseTopics\\nmlsFS_approvedPEtopicList.md",
      "headings": [
        "Pre-Licensure Education \\(PE\\) Topic List {#nmlsFS_approvedPEtopicList .concept}",
        "Overview of Mortgage Lending – {#section_yft_2h5_c2c .section}",
        "Regulatory Authority Who Oversee the Mortgage Industry - {#section_qlr_hh5_c2c .section}",
        "Federal Mortgage-Related Laws – {#section_hbp_vrw_c2c .section}",
        "Loan Origination Activities – {#section_lbg_kfv_c2c .section}",
        "Loan Inquiry and Application Process Requirements \\(1003\\) {#section_wtr_wfw_c2c .section}",
        "Loan Qualification Requirements, Processing, and Underwriting Borrower analysis {#section_qhp_mgw_c2c .section}",
        "Closing {#section_b4r_vgw_c2c .section}",
        "Financial Calculations/Mortgage Math/APR {#section_afc_gtw_c2c .section}",
        "Traditional and Non-Traditional Mortgage Products – {#section_z1w_gjw_c2c .section}",
        "Mortgage loan products {#section_ucm_zvw_c2c .section}",
        "Ethics – Topics intended to satisfy the 3 hours of Ethics, Fraud, and Consumer Protection. {#section_thm_y3w_c2c .section}",
        "Uniform State Content – {#section_kpj_t3w_c2c .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/approvedCourseTopics/nmlsFS_approvedPEtopicList.html",
      "snippet": null
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    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/approvedCourseTopics/nmlsFS_approvedPEtopicList.md:chunk-2",
      "title": "Pre-Licensure Education \\(PE\\) Topic List {#nmlsFS_approvedPEtopicList .concept}",
      "content": "  Timeframe for sending an adverse action to an applicant\n    -   Actions an MLO should take when a borrower refuses to provide ethnic, race or gender information\n-   Truth-in-Lending Act \\(TILA\\), 12 CFR Part 1026 \\(Regulation Z\\)\n    -   “Notice of right to rescind”\n    -   Permissible fees and finance charges\n    -   Advertisement requirements\n    -   Knowledge of the core concepts of the Truth-in-Lending Act\n    -   Total points and fee threshold\n    -   Definition of “finance charge”\n    -   Definition of “annual percentage rate”\n    -   Loans covered by the Truth-in-Lending Act\n    -   Definition of “business day”\n    -   Permissible annual percentage rate tolerances\n    -   Definition of “dwelling”\n    -   Definition of “residential mortgage loan”\n    -   Definition of “business day” in a mortgage rescission\n    -   Record retention timeframes\n    -   Classifying “seller contributions”\n    -   Refinancing scenarios with rights to rescind certain types of transactions\n-   Home Ownership and Equity Protection Act – High-Cost Mortgage, HOEPA Sections 32 and 12 CFR Part 1026\n    -   Minimum term for a balloon payment\n    -   Examples of “covered loans”\n    -   What is allowed under HOEPA\n    -   Limitations on broker fees\n    -   Entity that enforces HOEPA\n    -   Types of loans/lines of credit subject to HOEPA\n-   Higher Priced Mortgage Loans \\(12 CFR 1026.35\\)\n    -   Definition of “high priced/cost mortgage”\n    -   Prohibitions within “high priced” mortgages\n    -   Refinance mortgage loans\n-   Loan Originator Compensation \\(12 CFR 1026.36\\(d\\)\\) o MLO compensation basis\n    -   The rules for who may compensate an MLO\n-   TILA-RESPA Integrated Disclosure Rule \\(TRID\\) \\(a.k.a “Know Before You Owe”\\)\n    -   Prohibitions on discrimination\n    -   Disclosure timeframes\n    -   Section on disclosure where origination charges are reflected\n    -   Affiliated Business Disclosure Special Information Booklet\n    -   Borrower information included on Regulation Z\n    ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\approvedCourseTopics\\nmlsFS_approvedPEtopicList.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\approvedCourseTopics\\nmlsFS_approvedPEtopicList.md",
      "headings": [
        "Pre-Licensure Education \\(PE\\) Topic List {#nmlsFS_approvedPEtopicList .concept}",
        "Overview of Mortgage Lending – {#section_yft_2h5_c2c .section}",
        "Regulatory Authority Who Oversee the Mortgage Industry - {#section_qlr_hh5_c2c .section}",
        "Federal Mortgage-Related Laws – {#section_hbp_vrw_c2c .section}",
        "Loan Origination Activities – {#section_lbg_kfv_c2c .section}",
        "Loan Inquiry and Application Process Requirements \\(1003\\) {#section_wtr_wfw_c2c .section}",
        "Loan Qualification Requirements, Processing, and Underwriting Borrower analysis {#section_qhp_mgw_c2c .section}",
        "Closing {#section_b4r_vgw_c2c .section}",
        "Financial Calculations/Mortgage Math/APR {#section_afc_gtw_c2c .section}",
        "Traditional and Non-Traditional Mortgage Products – {#section_z1w_gjw_c2c .section}",
        "Mortgage loan products {#section_ucm_zvw_c2c .section}",
        "Ethics – Topics intended to satisfy the 3 hours of Ethics, Fraud, and Consumer Protection. {#section_thm_y3w_c2c .section}",
        "Uniform State Content – {#section_kpj_t3w_c2c .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/approvedCourseTopics/nmlsFS_approvedPEtopicList.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/approvedCourseTopics/nmlsFS_approvedPEtopicList.md:chunk-3",
      "title": "Pre-Licensure Education \\(PE\\) Topic List {#nmlsFS_approvedPEtopicList .concept}",
      "content": "ames\n    -   Section on disclosure where origination charges are reflected\n    -   Affiliated Business Disclosure Special Information Booklet\n    -   Borrower information included on Regulation Z\n    -   Record retention\n    -   Required disclosures\n    -   Timing of disclosures provided to an applicant\n    -   Types of permissible fees and finance charges\n    -   Circumstances under which a Loan Estimate may be amended\n    -   General information about the TILA-RESPA Disclosure Rule\n    -   Examples of “change of circumstance”\n    -   Borrower information that is included on an application\n    -   Information that must be disclosed to consumers upon request\n    -   Explanation of an annual percentage rate\n    -   Party required to provide the Loan Estimate\n    -   Types of loans covered under TILA\n    -   Actions an MLO must take when there is incomplete information on a TRID disclosure\n    -   Scenario violations of TRID\n    -   A borrower’s right to rescission\n    -   Definition of loan consummation\n    -   Information that must be disclosed on a Loan Estimate\n    -   Facts about Loan Estimate o Informing a borrower of other loan considerations\n    -   Charges/fees disclosed\n    -   Information included on a Closing Disclosure\n    -   Information that must be disclosed in an annual escrow statement\n    -   Acceleration definition\n    -   The right to receive an appraisal report\n-   Home Mortgage Disclosure Act \\(HMDA\\), 12 CFR Part 1003 \\(Regulation C\\)\n    -   Mortgages in reportable data\n    -   HMDA definition of “dwelling”\n    -   Information included in borrower data\n    -   Information that a borrower must include on an application\n    -   Information about which an MLO should not inquire\n    -   Information provided by the borrower regarding the right of refusal\n\n-   Fair Credit Reporting Act \\(FCRA\\)/Fair and Accurate Credit Transactions Act \\(FACTA\\) 15 USC § 1681 et seq.\n    -   Definition of a “fraud alert”\n    -   Information included in a “consumer r",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\approvedCourseTopics\\nmlsFS_approvedPEtopicList.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\approvedCourseTopics\\nmlsFS_approvedPEtopicList.md",
      "headings": [
        "Pre-Licensure Education \\(PE\\) Topic List {#nmlsFS_approvedPEtopicList .concept}",
        "Overview of Mortgage Lending – {#section_yft_2h5_c2c .section}",
        "Regulatory Authority Who Oversee the Mortgage Industry - {#section_qlr_hh5_c2c .section}",
        "Federal Mortgage-Related Laws – {#section_hbp_vrw_c2c .section}",
        "Loan Origination Activities – {#section_lbg_kfv_c2c .section}",
        "Loan Inquiry and Application Process Requirements \\(1003\\) {#section_wtr_wfw_c2c .section}",
        "Loan Qualification Requirements, Processing, and Underwriting Borrower analysis {#section_qhp_mgw_c2c .section}",
        "Closing {#section_b4r_vgw_c2c .section}",
        "Financial Calculations/Mortgage Math/APR {#section_afc_gtw_c2c .section}",
        "Traditional and Non-Traditional Mortgage Products – {#section_z1w_gjw_c2c .section}",
        "Mortgage loan products {#section_ucm_zvw_c2c .section}",
        "Ethics – Topics intended to satisfy the 3 hours of Ethics, Fraud, and Consumer Protection. {#section_thm_y3w_c2c .section}",
        "Uniform State Content – {#section_kpj_t3w_c2c .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/approvedCourseTopics/nmlsFS_approvedPEtopicList.html",
      "snippet": null
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    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/approvedCourseTopics/nmlsFS_approvedPEtopicList.md:chunk-4",
      "title": "Pre-Licensure Education \\(PE\\) Topic List {#nmlsFS_approvedPEtopicList .concept}",
      "content": "al\n\n-   Fair Credit Reporting Act \\(FCRA\\)/Fair and Accurate Credit Transactions Act \\(FACTA\\) 15 USC § 1681 et seq.\n    -   Definition of a “fraud alert”\n    -   Information included in a “consumer report”\n    -   Permissible times when a credit report may be accessed\n    -   Requirement to develop policies and procedures regarding identity theft\n    -   Definition of “creditor”\n    -   Information included in a FACTA disclosure\n    -   Length of time a bankruptcy will show on a credit history\n    -   Credit score evaluation methods\n-   FTC Red Flag rules, 16 CFR Part 681\n    -   Parties subject to “red flag” rules\n    -   Enforcement authority for “red flag” rules\n-   Bank Secrecy Act/Anti-Money Laundering \\(BSA/AML\\)\n    -   Requirement that companies protect consumer information\n    -   Facts about Suspicious Activity Reports \\(SARs\\)\n    -   Circumstances that require filing a SAR\n    -   SAR privacy requirements\n-   Gramm-Leach-Bliley Act \\(GLB\\) – Privacy, FTC Safeguard Rules and Do Not Call\n    -   Non-public information regarding a customer.\n    -   Permissible use of non-public information regarding a customer\n    -   Purpose of Act\n    -   Requirement for written privacy policy disclosures\n    -   Acceptable delivery methods for a privacy notice\n    -   Permissible hours for telephone calls\n    -   Written policies for maintaining Do-Not-Call lists\n    -   Precautions to protect customer information\n    -   Purpose of the National Do-Not-Call Registry\n    -   Permissible solicitation scenarios\n    -   Do-Not-Call request\n    -   Retention of information after a solicitation\n-   Mortgage Acts and Practices – Advertising, 12 CFR Part 1014 \\(Regulation N\\)\n    -   Advertisements referring to specific credit terms\n    -   Length of time required to retain advertisements\n    -   Information required to be included in an advertisement\n    -   Triggering terms that require additional disclosure\n    -   Violations of the Act\n-   Electronic Signature in Global and",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\approvedCourseTopics\\nmlsFS_approvedPEtopicList.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\approvedCourseTopics\\nmlsFS_approvedPEtopicList.md",
      "headings": [
        "Pre-Licensure Education \\(PE\\) Topic List {#nmlsFS_approvedPEtopicList .concept}",
        "Overview of Mortgage Lending – {#section_yft_2h5_c2c .section}",
        "Regulatory Authority Who Oversee the Mortgage Industry - {#section_qlr_hh5_c2c .section}",
        "Federal Mortgage-Related Laws – {#section_hbp_vrw_c2c .section}",
        "Loan Origination Activities – {#section_lbg_kfv_c2c .section}",
        "Loan Inquiry and Application Process Requirements \\(1003\\) {#section_wtr_wfw_c2c .section}",
        "Loan Qualification Requirements, Processing, and Underwriting Borrower analysis {#section_qhp_mgw_c2c .section}",
        "Closing {#section_b4r_vgw_c2c .section}",
        "Financial Calculations/Mortgage Math/APR {#section_afc_gtw_c2c .section}",
        "Traditional and Non-Traditional Mortgage Products – {#section_z1w_gjw_c2c .section}",
        "Mortgage loan products {#section_ucm_zvw_c2c .section}",
        "Ethics – Topics intended to satisfy the 3 hours of Ethics, Fraud, and Consumer Protection. {#section_thm_y3w_c2c .section}",
        "Uniform State Content – {#section_kpj_t3w_c2c .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/approvedCourseTopics/nmlsFS_approvedPEtopicList.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/approvedCourseTopics/nmlsFS_approvedPEtopicList.md:chunk-5",
      "title": "Pre-Licensure Education \\(PE\\) Topic List {#nmlsFS_approvedPEtopicList .concept}",
      "content": "sements\n    -   Information required to be included in an advertisement\n    -   Triggering terms that require additional disclosure\n    -   Violations of the Act\n-   Electronic Signature in Global and National Commerce Act \\(E-SIGN Act\\)\n    -   Required ESIGN disclosures\n    -   Borrower’s consent regarding access to information in electronic format\n    -   Requirements for maintaining records in electronic format\n    -   Ways to verify a borrower’s identity\n-   USA PATRIOT Act\n    -   Primary purpose of the Act\n    -   Major functions of the Act\n    -   Confidential nature of filing reports\n    -   Ways to verify a borrower’s identity\n    -   Parties subject to the Act\n    -   Requirement to have a Customer Identification Program in place and verifying the identities of borrowers\n-   Homeowners’ Protection Act \\(Private Mortgage Insurance \\(PMI\\) Cancellation Act\\)\n    -   Major functions of the Act\n    -   Documents that must be provided to a borrower at loan consummation\n\n-   Dodd-Frank Act\n    -   Re-financing situations\n    -   Law oversight over TRID\n    -   Independent appraisal requirements\n\n## Loan Origination Activities – \n\nTopics intended to satisfy the hours of education not specific by the SAFE Act. Terms used in the mortgage industry\n\n-   Loan terms\n    -   Junior liens\n    -   Subordinate loans\n    -   Escrow accounts\n    -   High priced mortgages\n    -   Table funding\n    -   Rate lock agreement\n    -   Tolerances\n    -   Legal title granted via a mortgage\n    -   Types of mortgages a lender cannot be forced to repurchase\n    -   Facts on liens\n    -   Delinquent loan\n    -   High cost loans\n    -   Early payment default\n-   Disclosure terms\n    -   Yield spread premiums\n    -   High interest rates\n    -   Federal mortgage loans\n    -   Qualified mortgage\n    -   Servicing transfers\n    -   Lender credits\n-   Financial terms\n    -   Discount points\n    -   2-1 Buy-down\n    -   Accrued interest\n    -   Loan-to-value ratio\n    -   Settlement\n    -   F",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\approvedCourseTopics\\nmlsFS_approvedPEtopicList.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\approvedCourseTopics\\nmlsFS_approvedPEtopicList.md",
      "headings": [
        "Pre-Licensure Education \\(PE\\) Topic List {#nmlsFS_approvedPEtopicList .concept}",
        "Overview of Mortgage Lending – {#section_yft_2h5_c2c .section}",
        "Regulatory Authority Who Oversee the Mortgage Industry - {#section_qlr_hh5_c2c .section}",
        "Federal Mortgage-Related Laws – {#section_hbp_vrw_c2c .section}",
        "Loan Origination Activities – {#section_lbg_kfv_c2c .section}",
        "Loan Inquiry and Application Process Requirements \\(1003\\) {#section_wtr_wfw_c2c .section}",
        "Loan Qualification Requirements, Processing, and Underwriting Borrower analysis {#section_qhp_mgw_c2c .section}",
        "Closing {#section_b4r_vgw_c2c .section}",
        "Financial Calculations/Mortgage Math/APR {#section_afc_gtw_c2c .section}",
        "Traditional and Non-Traditional Mortgage Products – {#section_z1w_gjw_c2c .section}",
        "Mortgage loan products {#section_ucm_zvw_c2c .section}",
        "Ethics – Topics intended to satisfy the 3 hours of Ethics, Fraud, and Consumer Protection. {#section_thm_y3w_c2c .section}",
        "Uniform State Content – {#section_kpj_t3w_c2c .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/approvedCourseTopics/nmlsFS_approvedPEtopicList.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/approvedCourseTopics/nmlsFS_approvedPEtopicList.md:chunk-6",
      "title": "Pre-Licensure Education \\(PE\\) Topic List {#nmlsFS_approvedPEtopicList .concept}",
      "content": "ge\n    -   Servicing transfers\n    -   Lender credits\n-   Financial terms\n    -   Discount points\n    -   2-1 Buy-down\n    -   Accrued interest\n    -   Loan-to-value ratio\n    -   Settlement\n    -   Finance charges\n    -   Loan discount point\n    -   Debt ratio\n    -   Daily simple interest\n    -   Premium pricing\n    -   Lender credit\n-   General terms\n    -   Conveyance\n    -   Cash out refinance\n    -   Pre-paids\n    -   Underwriting\n    -   Secondary market\n    -   Third party providers\n    -   Primary mortgage market\n    -   Non-traditional mortgages\n    -   Consumer credit\n    -   Loan payment collection\n    -   Assumable loan\n    -   Examples of origination service\n    -   Assigned loan o Payment shock\n    -   Annual Percentage Rate \\(APR\\)\n    -   Average Prime Offer Rate \\(APOR\\)\n\n## Loan Inquiry and Application Process Requirements \\(1003\\) \n\n-   Loan Requirements\n    -   Information on Form 1003\n    -   Percentage of bank account assets attributable toward a loan application\n    -   Handling credit\n    -   Report discrepancies\n    -   Acceptable gift donors\n    -   Information provided to a borrower in response to a loan inquiry\n-   Loan Inquiry Process\n    -   Required disclosures that must be provided to a borrower in response to a loan inquiry\n    -   Application accuracy and required information on an application \\(e.g., name, SSN, address of property to be financed, estimated property value, income, loan amount\\)\n    -   Permissible questions on an application\n-   Application Process\n    -   Questions on a Borrower Application\n    -   How MLOs accept loan applications\n    -   Offering and negotiating the terms of a loan\n    -   How MLOs manage information on an application\n    -   Service charges subject to 10% tolerance\n-   Verification and documentation\n    -   Forms used to authorize the release of information\n    -   Methods of verifying income and assets\n-   Percentage of bank account assets attributable toward a loan application\n    -   Methods",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\approvedCourseTopics\\nmlsFS_approvedPEtopicList.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\approvedCourseTopics\\nmlsFS_approvedPEtopicList.md",
      "headings": [
        "Pre-Licensure Education \\(PE\\) Topic List {#nmlsFS_approvedPEtopicList .concept}",
        "Overview of Mortgage Lending – {#section_yft_2h5_c2c .section}",
        "Regulatory Authority Who Oversee the Mortgage Industry - {#section_qlr_hh5_c2c .section}",
        "Federal Mortgage-Related Laws – {#section_hbp_vrw_c2c .section}",
        "Loan Origination Activities – {#section_lbg_kfv_c2c .section}",
        "Loan Inquiry and Application Process Requirements \\(1003\\) {#section_wtr_wfw_c2c .section}",
        "Loan Qualification Requirements, Processing, and Underwriting Borrower analysis {#section_qhp_mgw_c2c .section}",
        "Closing {#section_b4r_vgw_c2c .section}",
        "Financial Calculations/Mortgage Math/APR {#section_afc_gtw_c2c .section}",
        "Traditional and Non-Traditional Mortgage Products – {#section_z1w_gjw_c2c .section}",
        "Mortgage loan products {#section_ucm_zvw_c2c .section}",
        "Ethics – Topics intended to satisfy the 3 hours of Ethics, Fraud, and Consumer Protection. {#section_thm_y3w_c2c .section}",
        "Uniform State Content – {#section_kpj_t3w_c2c .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/approvedCourseTopics/nmlsFS_approvedPEtopicList.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/approvedCourseTopics/nmlsFS_approvedPEtopicList.md:chunk-7",
      "title": "Pre-Licensure Education \\(PE\\) Topic List {#nmlsFS_approvedPEtopicList .concept}",
      "content": "n\n    -   Forms used to authorize the release of information\n    -   Methods of verifying income and assets\n-   Percentage of bank account assets attributable toward a loan application\n    -   Methods of verifying employment\n-   Suitability of products and programs\n    -   Reflecting the type of loan on a mortgage application\n-   Disclosures o Information included in the Truth-in-Lending disclosure\n    -   Disclosures on Loan Estimates\n    -   Adjustable-rate mortgage loan disclosures\n    -   Consumer Handbook on ARMs \\(Charm booklet\\)\n    -   Required disclosures\n    -   Reverse mortgages\n-   Accuracy \\(e.g., tolerances\\)\n    -   Scenarios and which allowable tolerance\n    -   Service charges subject to a 10% tolerance\n-   Timing\n    -   Timing of notification of action taken\n    -   Timing of early disclosures\n-   Loan Estimate\n    -   Timeline of when a Loan Estimate must be provided\n    -   Expiration of charges and terms in a Loan Estimate expire\n    -   Time from Loan Estimate to loan consummation\n    -   Exceptions to providing the Loan Estimate o Reissuing a Loan Estimate\n    -   Time period for the delivery of the Affiliated Business Disclosure\n    -   Time period for the delivery of the Special Information Booklet \\(Know Before You Owe\\)\n    -   Timeframe for the consideration for settlement charge before the expiration\n    -   Timing of the reissuing Loan Estimates\n    -   Timeline of the initial Loan Estimate disclosure\n    -   Timing of providing the appraisal report\n    -   Timing of tolerance corrections\n-   Sending a list of counseling services\n    -   Shopping\n-   Valid reasons for a Change in Circumstance\n-   Delivery Method\n    -   Electronic\n    -   Face-to-Face\n    -   Standard Mail\n    -   Overnight Delivery\n-   Closing Disclosure\n    -   When applicants entitled to advance inspection of a closing\n    -   Initial Closing Disclosure\n    -   Timing of Disclosures\n    -   Final Closing Disclosure\n    -   Timeframe of providing an updated closing d",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\approvedCourseTopics\\nmlsFS_approvedPEtopicList.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\approvedCourseTopics\\nmlsFS_approvedPEtopicList.md",
      "headings": [
        "Pre-Licensure Education \\(PE\\) Topic List {#nmlsFS_approvedPEtopicList .concept}",
        "Overview of Mortgage Lending – {#section_yft_2h5_c2c .section}",
        "Regulatory Authority Who Oversee the Mortgage Industry - {#section_qlr_hh5_c2c .section}",
        "Federal Mortgage-Related Laws – {#section_hbp_vrw_c2c .section}",
        "Loan Origination Activities – {#section_lbg_kfv_c2c .section}",
        "Loan Inquiry and Application Process Requirements \\(1003\\) {#section_wtr_wfw_c2c .section}",
        "Loan Qualification Requirements, Processing, and Underwriting Borrower analysis {#section_qhp_mgw_c2c .section}",
        "Closing {#section_b4r_vgw_c2c .section}",
        "Financial Calculations/Mortgage Math/APR {#section_afc_gtw_c2c .section}",
        "Traditional and Non-Traditional Mortgage Products – {#section_z1w_gjw_c2c .section}",
        "Mortgage loan products {#section_ucm_zvw_c2c .section}",
        "Ethics – Topics intended to satisfy the 3 hours of Ethics, Fraud, and Consumer Protection. {#section_thm_y3w_c2c .section}",
        "Uniform State Content – {#section_kpj_t3w_c2c .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/approvedCourseTopics/nmlsFS_approvedPEtopicList.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/approvedCourseTopics/nmlsFS_approvedPEtopicList.md:chunk-8",
      "title": "Pre-Licensure Education \\(PE\\) Topic List {#nmlsFS_approvedPEtopicList .concept}",
      "content": "icants entitled to advance inspection of a closing\n    -   Initial Closing Disclosure\n    -   Timing of Disclosures\n    -   Final Closing Disclosure\n    -   Timeframe of providing an updated closing disclosure\n    -   Definition of a business day for delivery purposes\n-   Homeownership Counseling Disclosure\n\n## Loan Qualification Requirements, Processing, and Underwriting Borrower analysis \n\n-   Assets\n    -   Acceptable assets that may be used for a down payment\n    -   Types of asset classifications\n    -   Assets permissible to be used toward reserve funds\n    -   Actions not permitted with respect to Verification of Deposits\n-   Liabilities\n    -   Liabilities listed on a loan application\n    -   Types of liabilities\n-   Income\n    -   Documentation required for a self-employed applicant\n    -   Utilizing capital gains income on an application\n    -   Types of applicable incomes types for loan qualification\n    -   Social security and/or disability income that may be applied toward a loan analysis or as qualifying income\n    -   Documentation of work history and income when there has been an absence in employment over 3 years\n    -   Calculating monthly income\n-   Credit report\n    -   Information included on a credit report\n    -   Factors used in determining a credit score\n-   Qualifying ratios\n    -   Definition of “capacity”\n    -   Factors when calculating the expense-to-income ratio\n    -   Loan to value ratios\n    -   Calculating the debt-to-income ratio\n-   Calculating the housing to income ratio\n-   Calculating the total debt ratio\n-   Ability to Repay\n    -   Factors taken into consideration when reviewing an applicant’s ability to repay a loan\n    -   Methods of verifying income/assets\n    -   Determining a borrower’s ability to repay\n    -   Allowable debt to income ratio at loan consummation\n    -   Safe harbor provisions and scenarios\n    -   Ability to repay scenarios\n-   Tangible net benefit\n-   Occupancy types\n-   Verification of Deposit scenari",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\approvedCourseTopics\\nmlsFS_approvedPEtopicList.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\approvedCourseTopics\\nmlsFS_approvedPEtopicList.md",
      "headings": [
        "Pre-Licensure Education \\(PE\\) Topic List {#nmlsFS_approvedPEtopicList .concept}",
        "Overview of Mortgage Lending – {#section_yft_2h5_c2c .section}",
        "Regulatory Authority Who Oversee the Mortgage Industry - {#section_qlr_hh5_c2c .section}",
        "Federal Mortgage-Related Laws – {#section_hbp_vrw_c2c .section}",
        "Loan Origination Activities – {#section_lbg_kfv_c2c .section}",
        "Loan Inquiry and Application Process Requirements \\(1003\\) {#section_wtr_wfw_c2c .section}",
        "Loan Qualification Requirements, Processing, and Underwriting Borrower analysis {#section_qhp_mgw_c2c .section}",
        "Closing {#section_b4r_vgw_c2c .section}",
        "Financial Calculations/Mortgage Math/APR {#section_afc_gtw_c2c .section}",
        "Traditional and Non-Traditional Mortgage Products – {#section_z1w_gjw_c2c .section}",
        "Mortgage loan products {#section_ucm_zvw_c2c .section}",
        "Ethics – Topics intended to satisfy the 3 hours of Ethics, Fraud, and Consumer Protection. {#section_thm_y3w_c2c .section}",
        "Uniform State Content – {#section_kpj_t3w_c2c .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/approvedCourseTopics/nmlsFS_approvedPEtopicList.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/approvedCourseTopics/nmlsFS_approvedPEtopicList.md:chunk-9",
      "title": "Pre-Licensure Education \\(PE\\) Topic List {#nmlsFS_approvedPEtopicList .concept}",
      "content": "bt to income ratio at loan consummation\n    -   Safe harbor provisions and scenarios\n    -   Ability to repay scenarios\n-   Tangible net benefit\n-   Occupancy types\n-   Verification of Deposit scenarios\n-   Appraisals\n    -   Purpose of appraisals\n    -   Market approach\n    -   Income approach\n    -   Cost approach\n    -   Market data approach\n    -   Using comparable information to establish values\n    -   Requirement/timeline to inform applicant of the right to receive an appraisal\n    -   Facts on appraisals\n    -   Definition of “appraisal”\n    -   Appraisal requirement with a high-risk mortgage\n    -   Definition of “appraiser”\n-   Title report\n    -   Obtaining title reports\n    -   Timing of title reports and commitments\n    -   Preliminary Title Reports Cost approach\n\n-   Insurance\n    -   Flood Insurance\n    -   Designates zones for flood insurance\n    -   Limits of flood insurance\n\n-   Private Mortgage Insurance\n    -   Purpose of private mortgage insurance\n    -   Benefits of private mortgage insurance\n    -   Facts on private mortgage insurance and ratios\n    -   Requirement guidelines to ending private mortgage insurance\n    -   Loan to value ratio that triggers private mortgage insurance\n-   Hazard/Homeowner Insurance\n    -   Forced-placed insurance\n\n## Closing \n\n-   Title and title insurance\n    -   Title insurance coverage\n    -   Priority in multiple mortgage scenarios\n    -   Definition of “easement”\n    -   Encumbrances\n    -   Reconveyance\n-   Settlement/Closing agent\n    -   Borrower/Seller’s ability to review the HUD-1 Settlement Statement\n    -   Eligible signatures on the security instrument\n    -   Use of a Power of Attorney \\(POA\\)\n-   Explanation of fees\n    -   Fees/charges listed on HUD-1 Settlement Statement\n    -   Title insurance fees\n    -   Pre-paid fees\n    -   Types of escrow expenses\n    -   Examples of Origination fees\n    -   Loan origination fees\n-   Explanation of documents\n    -   Required documents at a closing\n    -   Req",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\approvedCourseTopics\\nmlsFS_approvedPEtopicList.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\approvedCourseTopics\\nmlsFS_approvedPEtopicList.md",
      "headings": [
        "Pre-Licensure Education \\(PE\\) Topic List {#nmlsFS_approvedPEtopicList .concept}",
        "Overview of Mortgage Lending – {#section_yft_2h5_c2c .section}",
        "Regulatory Authority Who Oversee the Mortgage Industry - {#section_qlr_hh5_c2c .section}",
        "Federal Mortgage-Related Laws – {#section_hbp_vrw_c2c .section}",
        "Loan Origination Activities – {#section_lbg_kfv_c2c .section}",
        "Loan Inquiry and Application Process Requirements \\(1003\\) {#section_wtr_wfw_c2c .section}",
        "Loan Qualification Requirements, Processing, and Underwriting Borrower analysis {#section_qhp_mgw_c2c .section}",
        "Closing {#section_b4r_vgw_c2c .section}",
        "Financial Calculations/Mortgage Math/APR {#section_afc_gtw_c2c .section}",
        "Traditional and Non-Traditional Mortgage Products – {#section_z1w_gjw_c2c .section}",
        "Mortgage loan products {#section_ucm_zvw_c2c .section}",
        "Ethics – Topics intended to satisfy the 3 hours of Ethics, Fraud, and Consumer Protection. {#section_thm_y3w_c2c .section}",
        "Uniform State Content – {#section_kpj_t3w_c2c .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/approvedCourseTopics/nmlsFS_approvedPEtopicList.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/approvedCourseTopics/nmlsFS_approvedPEtopicList.md:chunk-10",
      "title": "Pre-Licensure Education \\(PE\\) Topic List {#nmlsFS_approvedPEtopicList .concept}",
      "content": "  -   Pre-paid fees\n    -   Types of escrow expenses\n    -   Examples of Origination fees\n    -   Loan origination fees\n-   Explanation of documents\n    -   Required documents at a closing\n    -   Required documents when using a property as collateral\n    -   Note disclosures on a loan\n    -   Assumption clauses\n    -   Providing the escrow analysis statement\n-   Funding\n    -   When does a rescission period end?\n    -   Funding regarding rescission periods\n\n## Financial Calculations/Mortgage Math/APR \n\n-   Periodic Interest\n    -   Interest rate calculation scenarios\n    -   General facts\n    -   Interests per diem facts\n-   Payments\n    -   Calculation scenarios for mortgage insurance\n    -   Calculation scenarios for interest rates\n    -   Calculation scenarios for monthly payments\n    -   Calculation scenarios for loan amounts\n    -   Effect of escrow on mortgage\n    -   Order of payments and importance of payments to the underwriting of loan\n    -   Closing Disclosure information\n-   Down Payments\n    -   Calculating down payment amounts/percentages\n-   Loan-to-value ratios\n    -   Loan-to-value ratio calculation scenarios\n-   Debt-to-income ratios\n    -   Debt ratio calculation scenarios\n    -   Factors in calculating debt ratios\n-   Discount Points: Fixed interest rate buy-downs\n    -   Permanent note\n    -   Definition of “discount point”\n    -   Discount point calculation scenarios\n    -   Purpose of discount points\n-   Closing costs and prepaid items\n    -   Closing costs/pre-paid items calculation scenarios\n    -   Hazard insurance collection\n-   ARMs \\(e.g., fully indexed rate\\)\n    -   Interest rate adjustment calculation scenarios\n    -   Payment adjustment calculation scenarios\n-   Qualified Mortgage monthly payment calculations\n    -   Calculating the debt to income ratio\n\n## Traditional and Non-Traditional Mortgage Products – \n\nTopics intended to satisfy the 2 hours of Non-Traditional Mortgage Lending\n\n-   Conventional/conforming \\(e.g., Fannie Mae,",
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      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\approvedCourseTopics\\nmlsFS_approvedPEtopicList.md",
      "headings": [
        "Pre-Licensure Education \\(PE\\) Topic List {#nmlsFS_approvedPEtopicList .concept}",
        "Overview of Mortgage Lending – {#section_yft_2h5_c2c .section}",
        "Regulatory Authority Who Oversee the Mortgage Industry - {#section_qlr_hh5_c2c .section}",
        "Federal Mortgage-Related Laws – {#section_hbp_vrw_c2c .section}",
        "Loan Origination Activities – {#section_lbg_kfv_c2c .section}",
        "Loan Inquiry and Application Process Requirements \\(1003\\) {#section_wtr_wfw_c2c .section}",
        "Loan Qualification Requirements, Processing, and Underwriting Borrower analysis {#section_qhp_mgw_c2c .section}",
        "Closing {#section_b4r_vgw_c2c .section}",
        "Financial Calculations/Mortgage Math/APR {#section_afc_gtw_c2c .section}",
        "Traditional and Non-Traditional Mortgage Products – {#section_z1w_gjw_c2c .section}",
        "Mortgage loan products {#section_ucm_zvw_c2c .section}",
        "Ethics – Topics intended to satisfy the 3 hours of Ethics, Fraud, and Consumer Protection. {#section_thm_y3w_c2c .section}",
        "Uniform State Content – {#section_kpj_t3w_c2c .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/approvedCourseTopics/nmlsFS_approvedPEtopicList.html",
      "snippet": null
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    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/approvedCourseTopics/nmlsFS_approvedPEtopicList.md:chunk-11",
      "title": "Pre-Licensure Education \\(PE\\) Topic List {#nmlsFS_approvedPEtopicList .concept}",
      "content": "bt to income ratio\n\n## Traditional and Non-Traditional Mortgage Products – \n\nTopics intended to satisfy the 2 hours of Non-Traditional Mortgage Lending\n\n-   Conventional/conforming \\(e.g., Fannie Mae, Freddie Mac\\)\n    -   Responsibilities of Fannie Mae\n    -   Limits on closing cost concessions\n    -   Fee charges on loans with certain risk characteristics\n    -   Fannie Mae/Freddie Mac’s automated underwriting systems\n    -   Requirements when purchasing a non-owner occupied rental property\n    -   Acceptable down payment amounts\n    -   Hazard insurance requirements\n    -   Pre-payment requirements\n-   Government \\(e.g., FHA, VA, USDA\\)\n    -   Definition of “FHA Mortgage”\n    -   Facts about FHA loans\n    -   Definition of “FHA”\n    -   Facts about VA loans\n    -   Prohibition on mortgage insurance\n    -   FHA interest rate calculation scenarios\n    -   Types of government guarantors\n    -   Definition of “entitlement”\n    -   Certificate eligibility requirement\n    -   Acceptable funds for a down payment/closing costs\n    -   Properties eligible for FHA purchase transactions\n    -   FHA loan limits\n    -   VA funding fees\n    -   Upfront mortgage insurance premiums\n    -   Residual income qualification test\n    -   Required documentation\n    -   Monthly mortgage insurance payment scenarios\n    -   Minimum down payment for an FHA loan\n-   Conventional/nonconforming \\(e.g., Jumbo, Alt-A\\)\n    -   Facts on “jumbo loans”\n    -   Definition of “non-conforming” loan\n    -   Examples of “non-traditional loans”\n    -   Requirements for an escrow account associated with a “high priced loan”\n    -   Requirements for an escrow account associated with a “high cost loan”\n    -   Statement on Subprime Lending\n        -   Definition of “payment shock”\n        -   Definition of “subprime”\n        -   Characteristics of ARM loans\n        -   Definition of a debt-to-income ratio assessment\n        -   Examples of credit risk characteristics\n        -   Scenarios to determine whe",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\approvedCourseTopics\\nmlsFS_approvedPEtopicList.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\approvedCourseTopics\\nmlsFS_approvedPEtopicList.md",
      "headings": [
        "Pre-Licensure Education \\(PE\\) Topic List {#nmlsFS_approvedPEtopicList .concept}",
        "Overview of Mortgage Lending – {#section_yft_2h5_c2c .section}",
        "Regulatory Authority Who Oversee the Mortgage Industry - {#section_qlr_hh5_c2c .section}",
        "Federal Mortgage-Related Laws – {#section_hbp_vrw_c2c .section}",
        "Loan Origination Activities – {#section_lbg_kfv_c2c .section}",
        "Loan Inquiry and Application Process Requirements \\(1003\\) {#section_wtr_wfw_c2c .section}",
        "Loan Qualification Requirements, Processing, and Underwriting Borrower analysis {#section_qhp_mgw_c2c .section}",
        "Closing {#section_b4r_vgw_c2c .section}",
        "Financial Calculations/Mortgage Math/APR {#section_afc_gtw_c2c .section}",
        "Traditional and Non-Traditional Mortgage Products – {#section_z1w_gjw_c2c .section}",
        "Mortgage loan products {#section_ucm_zvw_c2c .section}",
        "Ethics – Topics intended to satisfy the 3 hours of Ethics, Fraud, and Consumer Protection. {#section_thm_y3w_c2c .section}",
        "Uniform State Content – {#section_kpj_t3w_c2c .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/approvedCourseTopics/nmlsFS_approvedPEtopicList.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/approvedCourseTopics/nmlsFS_approvedPEtopicList.md:chunk-12",
      "title": "Pre-Licensure Education \\(PE\\) Topic List {#nmlsFS_approvedPEtopicList .concept}",
      "content": "ubprime”\n        -   Characteristics of ARM loans\n        -   Definition of a debt-to-income ratio assessment\n        -   Examples of credit risk characteristics\n        -   Scenarios to determine when a balloon loan may be appropriate for a borrower\n        -   Characteristics of subprime borrowers\n        -   Characteristics of a subprime mortgage Stated income loans Non-income verifying loans\n-   Guidance on Nontraditional Mortgage Product Risk\n    -   Characteristics of a non-traditional mortgage loan\n    -   Risks of non-traditional mortgage products o Re-payment capacity of a borrower\n    -   Identifying the right non-traditional mortgage product for borrowers\n    -   Communications with consumers regarding non-traditional mortgage products\n-   Qualified and Non-Qualified Mortgage Programs\n    -   Features of a “qualified mortgage”\n    -   Allowable points and fees for qualified mortgages\n    -   Information used to determine whether a loan is “qualified”\n    -   Annual percentage rates that make a mortgage “qualified”\n    -   Categories of qualified mortgages\n-   Non-qualified mortgage \\(Non-QM\\)\n    -   Features of a non-qualified mortgage\n    -   Types of non-qualified mortgages\n\n## Mortgage loan products \n\n-   Fixed\n    -   Characteristics of a fixed-rate mortgage\n    -   Comparisons of types of loans \\(scenarios\\)\n    -   Situations that affect a fixed rate mortgage payment\n    -   Percentage of pay down required to lessen monthly payments\n    -   Fixed-rate mortgage loan with escrow\n-   Adjustable\n    -   Payment options for an adjustable-rate mortgage\n    -   Facts on margin with respect to adjustable-rate mortgages\n    -   Facts on the index with respect to adjustable-rate mortgages\n    -   Definition of “fully indexed rate”\n    -   Examples of adjustable-rate mortgages\n    -   Scenarios resulting in a change in monthly payments\n    -   Facts on ARM loans\n    -   Fully indexed rate scenarios\n    -   Scenarios reflecting payments increasing/decreasing o",
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      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\approvedCourseTopics\\nmlsFS_approvedPEtopicList.md",
      "headings": [
        "Pre-Licensure Education \\(PE\\) Topic List {#nmlsFS_approvedPEtopicList .concept}",
        "Overview of Mortgage Lending – {#section_yft_2h5_c2c .section}",
        "Regulatory Authority Who Oversee the Mortgage Industry - {#section_qlr_hh5_c2c .section}",
        "Federal Mortgage-Related Laws – {#section_hbp_vrw_c2c .section}",
        "Loan Origination Activities – {#section_lbg_kfv_c2c .section}",
        "Loan Inquiry and Application Process Requirements \\(1003\\) {#section_wtr_wfw_c2c .section}",
        "Loan Qualification Requirements, Processing, and Underwriting Borrower analysis {#section_qhp_mgw_c2c .section}",
        "Closing {#section_b4r_vgw_c2c .section}",
        "Financial Calculations/Mortgage Math/APR {#section_afc_gtw_c2c .section}",
        "Traditional and Non-Traditional Mortgage Products – {#section_z1w_gjw_c2c .section}",
        "Mortgage loan products {#section_ucm_zvw_c2c .section}",
        "Ethics – Topics intended to satisfy the 3 hours of Ethics, Fraud, and Consumer Protection. {#section_thm_y3w_c2c .section}",
        "Uniform State Content – {#section_kpj_t3w_c2c .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/approvedCourseTopics/nmlsFS_approvedPEtopicList.html",
      "snippet": null
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    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/approvedCourseTopics/nmlsFS_approvedPEtopicList.md:chunk-13",
      "title": "Pre-Licensure Education \\(PE\\) Topic List {#nmlsFS_approvedPEtopicList .concept}",
      "content": "rate mortgages\n    -   Scenarios resulting in a change in monthly payments\n    -   Facts on ARM loans\n    -   Fully indexed rate scenarios\n    -   Scenarios reflecting payments increasing/decreasing on “change date”\n    -   Timeline for notifying a customer of a rate change\n    -   Factors when determining interest rates\n    -   Calculating a borrower’s monthly payment\n-   Balloon mortgage loan products\n    -   Facts about balloon mortgages\n    -   Types of balloon mortgages\n    -   Lender requirements\n    -   Scenarios to determine when a balloon loan may be appropriate for a borrower\n-   Reverse mortgage\n    -   Facts on reverse mortgages\n    -   Payments required after closing on a conversion mortgage loan\n    -   Age requirements for conversion mortgages\n    -   Facts on “construction-to-permanent” financing programs\n    -   Permissible percentage of total equity allowed for withdrawal\n    -   Scenarios that cause the full balance to become due\n    -   Requirements of reverse mortgage advertisements\n    -   Required disclosures\n-   Purchase Money Second Mortgages\n-   Home Equity Line of Credit \\(HELOC\\)\n    -   Examples of open-ended credit loans\n    -   Characteristics of a HELOC\n-   Fundamentals of Construction Mortgages o Definition of “construction loan”\n    -   Classifying the disclosure of financing by the same creditor when constructing a home\n    -   Required payments on a construction loan\n-   Interest-only Mortgages\n    -   Facts about interest only loans\n    -   Facts on interest only payments\n    -   Facts on interest only mortgages\n-   Other Mortgage Products\n\n## Ethics – Topics intended to satisfy the 3 hours of Ethics, Fraud, and Consumer Protection. \n\nEthical issues and behavior related to loan origination activities\n\n-   Violations of law\n    -   Violations of Gramm-Leach Bliley Act\n-   Prohibited acts\n    -   Examples of “redlining”\n    -   Acceptable/non-acceptable practices under RESPA\n    -   Examples of prohibited acts\n    -   Requests for ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\approvedCourseTopics\\nmlsFS_approvedPEtopicList.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\approvedCourseTopics\\nmlsFS_approvedPEtopicList.md",
      "headings": [
        "Pre-Licensure Education \\(PE\\) Topic List {#nmlsFS_approvedPEtopicList .concept}",
        "Overview of Mortgage Lending – {#section_yft_2h5_c2c .section}",
        "Regulatory Authority Who Oversee the Mortgage Industry - {#section_qlr_hh5_c2c .section}",
        "Federal Mortgage-Related Laws – {#section_hbp_vrw_c2c .section}",
        "Loan Origination Activities – {#section_lbg_kfv_c2c .section}",
        "Loan Inquiry and Application Process Requirements \\(1003\\) {#section_wtr_wfw_c2c .section}",
        "Loan Qualification Requirements, Processing, and Underwriting Borrower analysis {#section_qhp_mgw_c2c .section}",
        "Closing {#section_b4r_vgw_c2c .section}",
        "Financial Calculations/Mortgage Math/APR {#section_afc_gtw_c2c .section}",
        "Traditional and Non-Traditional Mortgage Products – {#section_z1w_gjw_c2c .section}",
        "Mortgage loan products {#section_ucm_zvw_c2c .section}",
        "Ethics – Topics intended to satisfy the 3 hours of Ethics, Fraud, and Consumer Protection. {#section_thm_y3w_c2c .section}",
        "Uniform State Content – {#section_kpj_t3w_c2c .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/approvedCourseTopics/nmlsFS_approvedPEtopicList.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/approvedCourseTopics/nmlsFS_approvedPEtopicList.md:chunk-14",
      "title": "Pre-Licensure Education \\(PE\\) Topic List {#nmlsFS_approvedPEtopicList .concept}",
      "content": "olations of Gramm-Leach Bliley Act\n-   Prohibited acts\n    -   Examples of “redlining”\n    -   Acceptable/non-acceptable practices under RESPA\n    -   Examples of prohibited acts\n    -   Requests for personal information\n    -   Examples of “kickbacks” o Duties a loan processor may/may not perform\n-   Predatory lending and steering o Definition of “steering”\n    -   Scenarios surrounding the proper designations of loans and property types\n-   Fairness Lending\n    -   Definition of a referral and the required associated disclosures, if necessary\n    -   Coercion scenarios\n    -   Scenarios where the appraiser has a conflict of interest\n    -   Discriminating against an applicant o Requirement to treat all applicants with the same level of fairness\n-   Truth in marketing and advertising\n    -   Scenarios where information is misleading within an advertisement\n    -   Bait and switch scenarios\n    -   Performing a due diligence review of advertisements prior to publication\n    -   Scenarios where “unfair, deceptive, or abusive acts” are undertaken\n    -   Examples of lawful advertising\n    -   Types of advertisements that are subject to federal regulations\n    -   Rules surrounding contact \\(e.g., “Established business relationship”\\)\n    -   Permissible statements/phrases within an advertisement\n-   Borrower education\n-   Fraud detection\n    -   Asset fraud\n    -   Red flags on a sales contract\n    -   Application red flags\n    -   Verifying loan application information\n    -   Occupancy fraud o Income fraud\n    -   General red flags that could represent fraud\n    -   Scenarios surrounding a consumer’s bank activity\n    -   Scenarios where information is not provided to a borrower\n    -   Employment fraud\n    -   Liability fraud\n    -   Suspicious activity\n-   Financial responsibility\n    -   Permitted fees, payments, and compensation \\(e.g., Loan Estimate\\)\n    -   Fees that may not increase due to changed circumstances\n    -   How fees are handled based on the Loan ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\approvedCourseTopics\\nmlsFS_approvedPEtopicList.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\approvedCourseTopics\\nmlsFS_approvedPEtopicList.md",
      "headings": [
        "Pre-Licensure Education \\(PE\\) Topic List {#nmlsFS_approvedPEtopicList .concept}",
        "Overview of Mortgage Lending – {#section_yft_2h5_c2c .section}",
        "Regulatory Authority Who Oversee the Mortgage Industry - {#section_qlr_hh5_c2c .section}",
        "Federal Mortgage-Related Laws – {#section_hbp_vrw_c2c .section}",
        "Loan Origination Activities – {#section_lbg_kfv_c2c .section}",
        "Loan Inquiry and Application Process Requirements \\(1003\\) {#section_wtr_wfw_c2c .section}",
        "Loan Qualification Requirements, Processing, and Underwriting Borrower analysis {#section_qhp_mgw_c2c .section}",
        "Closing {#section_b4r_vgw_c2c .section}",
        "Financial Calculations/Mortgage Math/APR {#section_afc_gtw_c2c .section}",
        "Traditional and Non-Traditional Mortgage Products – {#section_z1w_gjw_c2c .section}",
        "Mortgage loan products {#section_ucm_zvw_c2c .section}",
        "Ethics – Topics intended to satisfy the 3 hours of Ethics, Fraud, and Consumer Protection. {#section_thm_y3w_c2c .section}",
        "Uniform State Content – {#section_kpj_t3w_c2c .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/approvedCourseTopics/nmlsFS_approvedPEtopicList.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/approvedCourseTopics/nmlsFS_approvedPEtopicList.md:chunk-15",
      "title": "Pre-Licensure Education \\(PE\\) Topic List {#nmlsFS_approvedPEtopicList .concept}",
      "content": "esponsibility\n    -   Permitted fees, payments, and compensation \\(e.g., Loan Estimate\\)\n    -   Fees that may not increase due to changed circumstances\n    -   How fees are handled based on the Loan Estimate\n    -   Closing cost scenarios\n    -   Settlement scenarios where monies are missing or misused\n    -   Scenarios surrounding referral fees\n    -   Splitting fees\n-   Handling consumer complaints\n-   Mortgage company compliance\n    -   Acceptable practices when acting on behalf of a lender\n    -   Acceptable practices regarding appraisals o Scenarios when an MLO discovers material information that should be conveyed to the lender\n    -   Scenarios surrounding the information supplied by employers\n    -   Requirements for MLOs\n-   Relationship with consumers\n    -   Ethical handling of a customer’s personal information\n    -   Down payment scenarios\n    -   Interest rate adjustment scenarios\n    -   Power of Attorney \\(POA\\) scenarios\n    -   Permissible reasons for requesting a credit report\n    -   Scenarios of notifying the underwriter of a change in the borrower’s application or status\n    -   Proper disclosures by MLO if there is a potential conflict of interest\n    -   Scenarios surrounding situations with borrower’s and co-borrower’s\n    -   Permissible acts regarding the appraisal of a client’s property\n    -   Scenarios surrounding situations with borrower’s undisclosed income\n    -   Permissible acts after discovering deposits inconsistent with borrower’s income included on application\n    -   Scenarios involving a gift received by the borrower\n    -   Scenarios of notifying a loan officer if a borrower has applied with other companies for additional mortgages\n    -   Scenarios surrounding a borrower providing information on income\n    -   Cybersecurity scenarios\n-   General business ethics\n    -   Scenarios where borrower has provided false information\n    -   Scenarios where borrower is seeking advice\n    -   Scenarios where the MLO is falsifying inf",
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      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\approvedCourseTopics\\nmlsFS_approvedPEtopicList.md",
      "headings": [
        "Pre-Licensure Education \\(PE\\) Topic List {#nmlsFS_approvedPEtopicList .concept}",
        "Overview of Mortgage Lending – {#section_yft_2h5_c2c .section}",
        "Regulatory Authority Who Oversee the Mortgage Industry - {#section_qlr_hh5_c2c .section}",
        "Federal Mortgage-Related Laws – {#section_hbp_vrw_c2c .section}",
        "Loan Origination Activities – {#section_lbg_kfv_c2c .section}",
        "Loan Inquiry and Application Process Requirements \\(1003\\) {#section_wtr_wfw_c2c .section}",
        "Loan Qualification Requirements, Processing, and Underwriting Borrower analysis {#section_qhp_mgw_c2c .section}",
        "Closing {#section_b4r_vgw_c2c .section}",
        "Financial Calculations/Mortgage Math/APR {#section_afc_gtw_c2c .section}",
        "Traditional and Non-Traditional Mortgage Products – {#section_z1w_gjw_c2c .section}",
        "Mortgage loan products {#section_ucm_zvw_c2c .section}",
        "Ethics – Topics intended to satisfy the 3 hours of Ethics, Fraud, and Consumer Protection. {#section_thm_y3w_c2c .section}",
        "Uniform State Content – {#section_kpj_t3w_c2c .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/approvedCourseTopics/nmlsFS_approvedPEtopicList.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/approvedCourseTopics/nmlsFS_approvedPEtopicList.md:chunk-16",
      "title": "Pre-Licensure Education \\(PE\\) Topic List {#nmlsFS_approvedPEtopicList .concept}",
      "content": "enarios\n-   General business ethics\n    -   Scenarios where borrower has provided false information\n    -   Scenarios where borrower is seeking advice\n    -   Scenarios where the MLO is falsifying information on behalf of a borrower\n    -   Providing suitable unsolicited advice to a borrower\n    -   Scenarios where outside parties/individuals to the loan attempt to obtain information on a loan or about a borrower\n\n## Uniform State Content – \n\nTopics Intended to Satisfy the Requirements Associated with the Uniform State Test SAFE Act and CSBS/ARRMR Model State Law\n\n-   State mortgage regulatory agencies\n    -   Regulatory authority\n        -   Regulatory power\n        -   Creation and purpose of the NMLS Registry\n        -   Frequency of investigations and exams\n        -   CFPB authority to conduct exams\n        -   Continuing education requirements\n        -   Unique identifiers for MLOs\n        -   CFPB penalty limits\n        -   CFPB Loan Originator Rule\n        -   Authority of state regulator \\(e.g., audit\\)\n    -   Responsibilities and limitations\n-   Definitions and Documents\n    -   NMLS\n    -   SAFE Act\n    -   Documents to be filed for public record\n-   License Law and Regulation\n    -   Minimum requirements for state licensing laws\n    -   Persons required to be licensed\n        -   Services conducted by MLOs and the requirement to be licensed\n        -   Entities required to use MLOs\n        -   Allowable acts by underwriters\n        -   Clerical/support duties\n        -   Loan processors\n-   Business that individuals may/may not conduct without being licensed as an MLO license\n    -   General business\n    -   Non-profit institutions\n    -   Business purpose loans \\(e.g., commercial, non-owner\\)\n-   Licensee qualifications and application process\n    -   Pre-licensing education requirements\n    -   Background checks\n    -   Requirements to becoming an MLO\n    -   Managing felony charges\n    -   Waiting period for test retakes\n    -   Sponsorship requirem",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\approvedCourseTopics\\nmlsFS_approvedPEtopicList.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\approvedCourseTopics\\nmlsFS_approvedPEtopicList.md",
      "headings": [
        "Pre-Licensure Education \\(PE\\) Topic List {#nmlsFS_approvedPEtopicList .concept}",
        "Overview of Mortgage Lending – {#section_yft_2h5_c2c .section}",
        "Regulatory Authority Who Oversee the Mortgage Industry - {#section_qlr_hh5_c2c .section}",
        "Federal Mortgage-Related Laws – {#section_hbp_vrw_c2c .section}",
        "Loan Origination Activities – {#section_lbg_kfv_c2c .section}",
        "Loan Inquiry and Application Process Requirements \\(1003\\) {#section_wtr_wfw_c2c .section}",
        "Loan Qualification Requirements, Processing, and Underwriting Borrower analysis {#section_qhp_mgw_c2c .section}",
        "Closing {#section_b4r_vgw_c2c .section}",
        "Financial Calculations/Mortgage Math/APR {#section_afc_gtw_c2c .section}",
        "Traditional and Non-Traditional Mortgage Products – {#section_z1w_gjw_c2c .section}",
        "Mortgage loan products {#section_ucm_zvw_c2c .section}",
        "Ethics – Topics intended to satisfy the 3 hours of Ethics, Fraud, and Consumer Protection. {#section_thm_y3w_c2c .section}",
        "Uniform State Content – {#section_kpj_t3w_c2c .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/approvedCourseTopics/nmlsFS_approvedPEtopicList.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/approvedCourseTopics/nmlsFS_approvedPEtopicList.md:chunk-17",
      "title": "Pre-Licensure Education \\(PE\\) Topic List {#nmlsFS_approvedPEtopicList .concept}",
      "content": "-licensing education requirements\n    -   Background checks\n    -   Requirements to becoming an MLO\n    -   Managing felony charges\n    -   Waiting period for test retakes\n    -   Sponsorship requirement\n    -   “MLO” and the requirement to be licensed with a state\n-   Grounds for denying a license\n    -   Reasons for denying an applicant\n-   License maintenance\n    -   Continuing education requirements\n    -   Renewal period\n    -   License renewal lengths and minimum standards\n    -   Continuing education courses approvals\n    -   Withholding a record\n    -   Requirements to re-take exam if individual has been absent from industry\n    -   Requirement to maintain an active license\n    -   Required continuing education hours completed to renew a license\n-   NMLS requirements\n    -   Change of employment and updating NMLS\n    -   Required submissions that applicants must make to the NMLS system\n    -   Required disclosures to NMLS\n    -   Requirement to publicly display an NMLS identifier\n    -   Requirement to include the NMLS identifier in certain situations\n    -   Licensed non-depository employees’- vs registered depository employees’ in NMLS\n-   Compliance\n    -   Authority to examine licensee’s books and records\n    -   Prohibited conduct and practices\n        -   Prohibited acts\n        -   Requirement to obtain a unique identifier\n        -   Investigations by state agencies\n    -   Required conduct\n        -   Individual responsible for providing documents during a complaint investigation\n        -   Required information to be maintained in a loan file\n        -   Assumable mortgage loan products\n        -   Penalties assessed for failure to conduct certain duties\n        -   Permissible acts\n        -   Timeline for submitting books and records to a state regulator\n        -   General scenarios regarding mortgage loan origination\n        -   Required information on loan documents\n        -   Record retention requirements\n    -   Advertising\n        -   Requ",
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      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\approvedCourseTopics\\nmlsFS_approvedPEtopicList.md",
      "headings": [
        "Pre-Licensure Education \\(PE\\) Topic List {#nmlsFS_approvedPEtopicList .concept}",
        "Overview of Mortgage Lending – {#section_yft_2h5_c2c .section}",
        "Regulatory Authority Who Oversee the Mortgage Industry - {#section_qlr_hh5_c2c .section}",
        "Federal Mortgage-Related Laws – {#section_hbp_vrw_c2c .section}",
        "Loan Origination Activities – {#section_lbg_kfv_c2c .section}",
        "Loan Inquiry and Application Process Requirements \\(1003\\) {#section_wtr_wfw_c2c .section}",
        "Loan Qualification Requirements, Processing, and Underwriting Borrower analysis {#section_qhp_mgw_c2c .section}",
        "Closing {#section_b4r_vgw_c2c .section}",
        "Financial Calculations/Mortgage Math/APR {#section_afc_gtw_c2c .section}",
        "Traditional and Non-Traditional Mortgage Products – {#section_z1w_gjw_c2c .section}",
        "Mortgage loan products {#section_ucm_zvw_c2c .section}",
        "Ethics – Topics intended to satisfy the 3 hours of Ethics, Fraud, and Consumer Protection. {#section_thm_y3w_c2c .section}",
        "Uniform State Content – {#section_kpj_t3w_c2c .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/approvedCourseTopics/nmlsFS_approvedPEtopicList.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/approvedCourseTopics/nmlsFS_approvedPEtopicList.md:chunk-18",
      "title": "Pre-Licensure Education \\(PE\\) Topic List {#nmlsFS_approvedPEtopicList .concept}",
      "content": "ator\n        -   General scenarios regarding mortgage loan origination\n        -   Required information on loan documents\n        -   Record retention requirements\n    -   Advertising\n        -   Requirement to include NMLS unique ID in advertisements\n\n**Parent topic:**Approved and Not Approved Topics: PE and CE",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\approvedCourseTopics\\nmlsFS_approvedPEtopicList.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\approvedCourseTopics\\nmlsFS_approvedPEtopicList.md",
      "headings": [
        "Pre-Licensure Education \\(PE\\) Topic List {#nmlsFS_approvedPEtopicList .concept}",
        "Overview of Mortgage Lending – {#section_yft_2h5_c2c .section}",
        "Regulatory Authority Who Oversee the Mortgage Industry - {#section_qlr_hh5_c2c .section}",
        "Federal Mortgage-Related Laws – {#section_hbp_vrw_c2c .section}",
        "Loan Origination Activities – {#section_lbg_kfv_c2c .section}",
        "Loan Inquiry and Application Process Requirements \\(1003\\) {#section_wtr_wfw_c2c .section}",
        "Loan Qualification Requirements, Processing, and Underwriting Borrower analysis {#section_qhp_mgw_c2c .section}",
        "Closing {#section_b4r_vgw_c2c .section}",
        "Financial Calculations/Mortgage Math/APR {#section_afc_gtw_c2c .section}",
        "Traditional and Non-Traditional Mortgage Products – {#section_z1w_gjw_c2c .section}",
        "Mortgage loan products {#section_ucm_zvw_c2c .section}",
        "Ethics – Topics intended to satisfy the 3 hours of Ethics, Fraud, and Consumer Protection. {#section_thm_y3w_c2c .section}",
        "Uniform State Content – {#section_kpj_t3w_c2c .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/approvedCourseTopics/nmlsFS_approvedPEtopicList.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/approvedCourseTopics/nmlsFS_nonApprovedTopics.md:chunk-0",
      "title": "Non-Approved Topic List {#xd_2b707b1b208c672f-671b430-199d8a028b2--7ff3 .concept}",
      "content": "# Non-Approved Topic List \n\nThe following course topics have been determined to be noncompliant with the SAFE Act.\n\n-   Any course not directly tied to the negotiating, taking, and processing of a residential loan application.\n-   General Self-Improvement Courses\n-   Financial Planning Courses\n-   Any course relating to selling, sales techniques, sales marketing strategies, lead-generation, or business development\n-   Loan product training \\(loan sales, product marketing, or advertising\\)\n-   Any course topics related to consumer data mining, market segmentation, or minority marketing practices\n-   Any information technology-related course\n-   Commercial lending\n-   Courses on any Federal or State law not directly tied to residential mortgage lending\n\nIf you have any questions concerning a topic or want to propose a course topic, contact NMLS at nmls.ed1@csbs.org.\n\n**Parent topic:**Approved and Not Approved Topics: PE and CE",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\approvedCourseTopics\\nmlsFS_nonApprovedTopics.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\approvedCourseTopics\\nmlsFS_nonApprovedTopics.md",
      "headings": [
        "Non-Approved Topic List {#xd_2b707b1b208c672f-671b430-199d8a028b2--7ff3 .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/approvedCourseTopics/nmlsFS_nonApprovedTopics.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/miscPolicies/nmlsFS_EducationPolicies_chapterStart.md:chunk-0",
      "title": "Education Policies {#xd_8bf9f3ae4dc83de7-58202a2e-199433a1a71--7ffc .concept}",
      "content": "# Education Policies \n\n-   **Fee Schedule for the SAFE MLO Test Administration and Education Services**  \nNMLS has set forth the following fees for Test Administration and Education Services. Effective April 1, 2013 \\| Reviewed April 26, 2021\n-   **Policy on Reporting \\(Banking\\) of Student Credits**  \nReporting of student course completions. Effective June 6, 2009 \\| Reviewed April 16, 2019\n-   **NMLS Approved Course Instructor Eligibility Policy**  \nEligibility of instructors to teach NMLS approved courses. Effective May 30, 2016 \\| Reviewed April 4, 2019\n-   **NMLS Approved Course Data and Document Retention Policy**  \nJanuary 1, 2018.\n-   **Policy on Retention of Materials Submitted for NMLS Course Provider and Course Approval**  \nInformation and terms for how long NMLS will retain materials submitted for NMLS course provider and course approval. Effective July 1, 2014 \\| Reviewed April 16, 2019\n-   **Policy on Criteria for Granting Approval to Become an NMLS Approved Course Provider**  \nEffective June 16, 2009 \\| Reviewed December 20, 2018\n-   **Policy on Criteria for Granting NMLS Approval to a Course**  \nThe criteria that a course must satisfy for NMLS approval. Effective June 16, 2009 \\| Reviewed April 16, 2019\n-   **Policy on Business Arrangements, Reselling, and Marketing of NMLS Approved Courses**  \n Acceptable business arrangements for the promotion, selling, reselling, and marketing of NMLS approved courses. 03/25/2014\n-   **Policy on NMLS Approved Pre-Licensure and Continuing Education Classroom Formats and Standards**  \n The classroom formats and standards for PE and CE courses. Effective June 16, 2009 \\| Reviewed April 16, 2019\n-   **Guidance on Development of NMLS Approved Continuing Education Courses**  \n Effective March 21, 2014 \\| Reviewed March 25, 2024",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\miscPolicies\\nmlsFS_EducationPolicies_chapterStart.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\miscPolicies\\nmlsFS_EducationPolicies_chapterStart.md",
      "headings": [
        "Education Policies {#xd_8bf9f3ae4dc83de7-58202a2e-199433a1a71--7ffc .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/miscPolicies/nmlsFS_EducationPolicies_chapterStart.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/miscPolicies/nmlsFS_approvedCE_courses_developing.md:chunk-0",
      "title": "Guidance on Development of NMLS Approved Continuing Education Courses {#xd_8bf9f3ae4dc83de7-58202a2e-199433a1a71--7fd7 .concept}",
      "content": "# Guidance on Development of NMLS Approved Continuing Education Courses \n\nEffective March 21, 2014 \\| Reviewed March 25, 2024\n\n## Purpose \n\nThe purpose of this notice is to provide guidance to NMLS approved course providers about how to develop courses that are intended to satisfy the annual continuing education \\(CE\\) requirements of the SAFE Act.\n\n## Background \n\nThe Secure and Fair Enforcement for Mortgage Licensing Act of 2008 \\(SAFE Act\\) requires that state-licensed mortgage loan originators \\(MLOs\\) complete a minimum 8 hours of annual NMLS approved continuing education \\(CE\\) which must include the following topics:\n\n-   3 hours of Federal law and regulations;\n-   2 hours of ethics that shall include instruction on fraud, consumer protection, and fair lending issues;\n-   2 hours of training related to lending standards for the nontraditional mortgage product market, and\n-   1 hour of undefined instruction on mortgage origination \\(commonly referred to as an elective\\).\n\nIndividual states, through the passage of their own SAFE legislation, may require MLOs to complete a greater number of hours of education, and/or may require a certain number of hours cover state specific topics.\n\nThe SAFE Act also stipulates that a state-licensed MLO “may not take the same approved course in the same or successive years to meet the annual requirements for continuing education.” NMLS has interpreted the term “successive years” to mean two years in a row.\n\n## Required Topics in Annual CE \n\nCourse providers should refer to the NMLS Policy on Approved and Not Approved Topic List for Pre-Licensure and Continuing Education Intended to Satisfy SAFE Act Education Requirements which outlines the prelicensure \\(PE\\) and continuing education \\(CE\\) topics NMLS has determined will satisfy the education requirements of the SAFE Act. This document also identifies specific topics that are required to be covered as part of annual CE.\n\n## Guidance on the Development of Continuing Education \\",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\miscPolicies\\nmlsFS_approvedCE_courses_developing.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\miscPolicies\\nmlsFS_approvedCE_courses_developing.md",
      "headings": [
        "Guidance on Development of NMLS Approved Continuing Education Courses {#xd_8bf9f3ae4dc83de7-58202a2e-199433a1a71--7fd7 .concept}",
        "Purpose {#section_cq3_45k_qgc .section}",
        "Background {#section_kl2_p5k_qgc .section}",
        "Required Topics in Annual CE {#section_f5g_r5k_qgc .section}",
        "Guidance on the Development of Continuing Education \\(CE\\) Courses {#section_cyt_t5k_qgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/miscPolicies/nmlsFS_approvedCE_courses_developing.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/miscPolicies/nmlsFS_approvedCE_courses_developing.md:chunk-1",
      "title": "Guidance on Development of NMLS Approved Continuing Education Courses {#xd_8bf9f3ae4dc83de7-58202a2e-199433a1a71--7fd7 .concept}",
      "content": "he education requirements of the SAFE Act. This document also identifies specific topics that are required to be covered as part of annual CE.\n\n## Guidance on the Development of Continuing Education \\(CE\\) Courses \n\nNMLS interprets the intent of the SAFE Act’s and state’s requirements for annual continuing education to achieve one of three objectives:\n\n-   To provide new or updated information on federal and state mortgage-related laws including instruction in the application of these laws/rules to MLO activities.\n-   To go into more depth or detail on a particular law, regulation, or program than is typically covered during pre-licensure education.\n-   Present a new topic or sub-topic which is different from what is typically presented as part of pre-licensure education and may be of interest/value to a segment of the mortgage industry \\(e.g. a program pertaining to reverse mortgages\\).\n\nTo achieve the above objectives, course providers should consider the following when developing and writing content for CE courses:\n\n-   It is not realistic or appropriate in a CE course to provide detailed information on every federal mortgage law in three hours. The Federal law portion of any CE course should focus on providing comprehensive instruction on major changes that have been enacted within the past year. This includes \\(but is not limited to\\) such topics as changes to RESPA, TILA, or other final rules as implemented by the CFPB, Federal Reserve, or other federal agencies.\n-   As an alternative to receiving broad coverage a federal mortgage law, some MLOs may be interested in a more comprehensive understanding of just one or two aspects of a law. For example, there is nothing prohibiting a course provider from devoting all three hours of federal laws to Regulation Z. The same approach could be taken for non traditional mortgage lending with all 2 hours devoted to single subjects like VA or FHA programs.\n-   There are a significant number of topics related to residential",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\miscPolicies\\nmlsFS_approvedCE_courses_developing.md",
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      "headings": [
        "Guidance on Development of NMLS Approved Continuing Education Courses {#xd_8bf9f3ae4dc83de7-58202a2e-199433a1a71--7fd7 .concept}",
        "Purpose {#section_cq3_45k_qgc .section}",
        "Background {#section_kl2_p5k_qgc .section}",
        "Required Topics in Annual CE {#section_f5g_r5k_qgc .section}",
        "Guidance on the Development of Continuing Education \\(CE\\) Courses {#section_cyt_t5k_qgc .section}"
      ],
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    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/miscPolicies/nmlsFS_approvedCE_courses_developing.md:chunk-2",
      "title": "Guidance on Development of NMLS Approved Continuing Education Courses {#xd_8bf9f3ae4dc83de7-58202a2e-199433a1a71--7fd7 .concept}",
      "content": "me approach could be taken for non traditional mortgage lending with all 2 hours devoted to single subjects like VA or FHA programs.\n-   There are a significant number of topics related to residential mortgage loan origination that could benefit the industry. Subjects like understanding credit reports, mortgage math, rural and farm loans, or how to assist distressed/delinquent borrowers are all ideal CE course topics.\n-   **State-specific CE courses**: Given that state laws and regulations do not change that frequently, NMLS is supportive of an approach whereby a state-specific CE course is constructed of material comprised of “standard” instruction on a state’s specific laws and regulations and is supported by case studies or other real-world examples which are updated annually and bring new context and meaning to the instruction. Such case studies or examples can be derived from enforcement actions, consent orders, best practices \\(or practices to avoid\\) and may also include exams or role-playing exercises that can be updated and refreshed in accordance with the intent of the successive year rule. While courses constructed in this manner still requires an annual review to incorporate any changes that have been enacted to a state’s laws or regulations, and NMLS approval, the employment of “standard” content in the construction of the course makes this an easier process.\n\nWhen developing courses, course providers are also strongly advised to pay close attention to the course syllabus and associated learning objectives. A course syllabus that indicates an MLO will achieve an understanding of RESPA but only allocates 10 minutes of instruction has essentially outlined a non-achievable learning objective with the result being that NMLS will not approve the course.\n\n**Parent topic:**Education Policies",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\miscPolicies\\nmlsFS_approvedCE_courses_developing.md",
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        "Purpose {#section_cq3_45k_qgc .section}",
        "Background {#section_kl2_p5k_qgc .section}",
        "Required Topics in Annual CE {#section_f5g_r5k_qgc .section}",
        "Guidance on the Development of Continuing Education \\(CE\\) Courses {#section_cyt_t5k_qgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/miscPolicies/nmlsFS_approvedCE_courses_developing.html",
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      "title": "Guidance on Development of NMLS Approved Continuing Education Courses {#xd_8bf9f3ae4dc83de7-58202a2e-199433a1a71--7fd7 .concept}",
      "content": "t topic:**Education Policies",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\miscPolicies\\nmlsFS_approvedCE_courses_developing.md",
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        "Purpose {#section_cq3_45k_qgc .section}",
        "Background {#section_kl2_p5k_qgc .section}",
        "Required Topics in Annual CE {#section_f5g_r5k_qgc .section}",
        "Guidance on the Development of Continuing Education \\(CE\\) Courses {#section_cyt_t5k_qgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/miscPolicies/nmlsFS_approvedCE_courses_developing.html",
      "snippet": null
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    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/miscPolicies/nmlsFS_materialRetentionCourseApprovals.md:chunk-0",
      "title": "Policy on Retention of Materials Submitted for NMLS Course Provider and Course Approval {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7fa3 .concept}",
      "content": "# Policy on Retention of Materials Submitted for NMLS Course Provider and Course Approval \n\nInformation and terms for how long NMLS will retain materials submitted for NMLS course provider and course approval. Effective July 1, 2014 \\| Reviewed April 16, 2019\n\n## Purpose \n\nThe purpose of this policy is to provide information and set the terms for how long NMLS will retain materials that have been submitted for NMLS course provider and course approval.\n\n## Background and Reason for the Policy \n\nThe Secure and Fair Enforcement for Mortgage Licensing Act \\(SAFE Act\\), requires that all pre licensing \\(PE\\) and continuing education \\(CE\\) courses be reviewed and approved by the Nationwide Multistate Licensing System \\(NMLS\\). Since 2010, NMLS has retained all electronic files that have been submitted for an organization to become an approved course provider, and all documents and other files that have been submitted as part of the course approval process. The data storage requirements associated with maintaining such a large volume of aging files, which have rarely been accessed, requires NMLS to put into effect a document retention policy.\n\n## Definitions \n\nThe following definitions are applicable:\n\nNMLS Approved and Active Course Provider:\n:   An organization which has submitted an application and has subsequently been approved by NMLS to deliver PE and/or CE courses which are intended to satisfy the requirements of the SAFE Act. An NMLS Approved and Active Course Provider is one that has at least one course in an approved status and the course is available for scheduling and delivery.\n\nNMLS Approved but Suspended Provider:\n:   An organization which has submitted an application and has subsequently been approved by NMLS to deliver PE and/or CE courses which are intended to satisfy the requirements of the SAFE Act. An NMLS Approved but Suspended Provider currently does not have a course approved and has had its account suspended in the Education Management System \\(EMS",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\miscPolicies\\nmlsFS_materialRetentionCourseApprovals.md",
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      "headings": [
        "Policy on Retention of Materials Submitted for NMLS Course Provider and Course Approval {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7fa3 .concept}",
        "Purpose {#section_img_hhd_qgc .section}",
        "Background and Reason for the Policy {#section_s1t_khd_qgc .section}",
        "Definitions {#section_b3r_3hd_qgc .section}",
        "Document Retention Policy: {#section_tfj_nhd_qgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/miscPolicies/nmlsFS_materialRetentionCourseApprovals.html",
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    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/miscPolicies/nmlsFS_materialRetentionCourseApprovals.md:chunk-1",
      "title": "Policy on Retention of Materials Submitted for NMLS Course Provider and Course Approval {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7fa3 .concept}",
      "content": "o satisfy the requirements of the SAFE Act. An NMLS Approved but Suspended Provider currently does not have a course approved and has had its account suspended in the Education Management System \\(EMS\\). Unless the provider initiates the process to submit a course for approval, the Approved Provider will lose its approval status at the end of its two year approval period.\n\nNMLS Previously Approved Course Provider:\n:   An organization that was previously but is no longer approved by NMLS to submit courses for approval and/or to deliver NMLS approved education.\n\nNMLS Approved and Active Course:\n:   A course that has been submitted by a course provider and has been approved and is currently available for scheduling and delivery.\n\nNMLS Approved Expired or Inactive Course:\n:   A course that had been submitted by a course provider and had been approved but was either not renewed or was made inactive by the course provider and is no longer available for scheduling and delivery.\n\n## Document Retention Policy: \n\nAll documents associated with either the provider or course approval processes are required to be submitted in electronic format through an online portal maintained by NMLS. Since 2010, NMLS has retained every electronic document that has been uploaded by a course provider as part of an approval request. The policy pertaining to document storage and retention is as follows:\n\nApplication and Business Documents for Approved, Suspended, and Inactive Course Providers:\n:   NMLS will maintain all files submitted as part of the course provider application and approval process for the entire period the organization remains in an approved active or suspended status. After a course provider is no longer approved, NMLS will maintain all files submitted as part of the course provider’s approval/renewal processes for a period of four \\(4\\) years from the date of the course provider’s approval expiration. At the end of the four \\(4\\) year period, NMLS will delete ALL application f",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\miscPolicies\\nmlsFS_materialRetentionCourseApprovals.md",
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        "Policy on Retention of Materials Submitted for NMLS Course Provider and Course Approval {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7fa3 .concept}",
        "Purpose {#section_img_hhd_qgc .section}",
        "Background and Reason for the Policy {#section_s1t_khd_qgc .section}",
        "Definitions {#section_b3r_3hd_qgc .section}",
        "Document Retention Policy: {#section_tfj_nhd_qgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/miscPolicies/nmlsFS_materialRetentionCourseApprovals.html",
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    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/miscPolicies/nmlsFS_materialRetentionCourseApprovals.md:chunk-2",
      "title": "Policy on Retention of Materials Submitted for NMLS Course Provider and Course Approval {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7fa3 .concept}",
      "content": "r’s approval/renewal processes for a period of four \\(4\\) years from the date of the course provider’s approval expiration. At the end of the four \\(4\\) year period, NMLS will delete ALL application files, business documents, correspondence, and other materials that were submitted as part of the initial application or renewal process.\n\n    Additionally, once a course provider is no longer approved, NMLS will retain for a period of twenty-four \\(24\\) months all documents that were submitted as part of any course approval process. At the end of 24 months from the date the course provider is no longer approved, NMLS will delete ALL application files, correspondence, and any other materials associated with ALL course approvals for that provider.\n\nApplication and Materials for Approved, Expired, and Inactive Courses:\n:   NMLS will maintain the initial course application and a twenty-four \\(24\\) month history of all files that were submitted by the course provider for all approved and active courses. At its discretion, NMLS will delete all files associated with a course that are older than 24 months from the initial course expiration date.\n\n    NMLS will maintain the initial course application and a twenty-four \\(24\\) month history of all files that were submitted by a course provider for all expired or inactive courses. After 24 months from the course expiration or inactivation date, NMLS will delete all files associated with the course.\n\nDocument Archival:\n:   Documents not currently being reviewed are retained in “archived folders” in the online portal. Archived folders may be accessed by course providers to retrieve previously submitted documents for their own storage and retention.\n\nDocument Recovery:\n:   Once NMLS deletes documents they cannot be recovered \\(this includes all documents that may have been in an archived folder\\). Course providers are advised to adopt their own document retention policies and as necessary, make back-up copies.\n\nNMLS Right to Retain:\n:",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\miscPolicies\\nmlsFS_materialRetentionCourseApprovals.md",
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      "headings": [
        "Policy on Retention of Materials Submitted for NMLS Course Provider and Course Approval {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7fa3 .concept}",
        "Purpose {#section_img_hhd_qgc .section}",
        "Background and Reason for the Policy {#section_s1t_khd_qgc .section}",
        "Definitions {#section_b3r_3hd_qgc .section}",
        "Document Retention Policy: {#section_tfj_nhd_qgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/miscPolicies/nmlsFS_materialRetentionCourseApprovals.html",
      "snippet": null
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    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/miscPolicies/nmlsFS_materialRetentionCourseApprovals.md:chunk-3",
      "title": "Policy on Retention of Materials Submitted for NMLS Course Provider and Course Approval {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7fa3 .concept}",
      "content": "es all documents that may have been in an archived folder\\). Course providers are advised to adopt their own document retention policies and as necessary, make back-up copies.\n\nNMLS Right to Retain:\n:   At its discretion, or at the request of the Mortgage Testing and Education Board \\(MTEB\\) or other state regulators, NMLS may retain documents for periods of time longer than those as outlined above.\n\nEffective Date:\n:   NMLS will begin deleting documents effective July 1, 2014.\n\n**Parent topic:**Education Policies",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\miscPolicies\\nmlsFS_materialRetentionCourseApprovals.md",
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        "Purpose {#section_img_hhd_qgc .section}",
        "Background and Reason for the Policy {#section_s1t_khd_qgc .section}",
        "Definitions {#section_b3r_3hd_qgc .section}",
        "Document Retention Policy: {#section_tfj_nhd_qgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/miscPolicies/nmlsFS_materialRetentionCourseApprovals.html",
      "snippet": null
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    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/miscPolicies/nmlsFS_policyCourseApproval.md:chunk-0",
      "title": "Policy on Criteria for Granting NMLS Approval to a Course {#xd_8bf9f3ae4dc83de7-58202a2e-199433a1a71--7ffd .concept}",
      "content": "# Policy on Criteria for Granting NMLS Approval to a Course \n\nThe criteria that a course must satisfy for NMLS approval. Effective June 16, 2009 \\| Reviewed April 16, 2019\n\n## Purpose \n\nThe purpose of this policy is to define the criteria that a course must satisfy as a precondition to being listed as a “NMLS Approved” course.\n\n## Background and Reason for the Policy \n\nThe Secure and Fair Enforcement for Mortgage Licensing Act \\(SAFE Act\\) requires that the Nationwide Multistate Licensing System \\(NMLS\\) review and approve all prelicensure and continuing education courses that are to be offered to state-licensed mortgage loan originators and are intended to satisfy the 20 hours of pre-licensure education and/or 8 hours of annual continuing education. In order to meet its mandate as required by the SAFE Act, the NMLS is required to “apply reasonable standards in the review and approval of courses.” As a means to maintain integrity within the industry, the NMLS has developed six criteria that a course must satisfy as a precondition to being listed as a “NMLS Approved” or “SAFE Compliant” course.\n\n## Criteria for Granting Approval for a Course to Become NMLS Approved \n\nTo be considered for NMLS approval, a course must satisfy all of the following criteria:\n\n1.  **Criteria 1 – Possess Learning Objectives**: Course must contain learning objectives that describe what the student should know or be able to accomplish upon completion of the course.\n2.  **Criteria 2 – Course Must Have Sufficient Material**: Course must contain sufficient course materials to support quality instruction relevant to the course subject matter. All course materials must be current and be relevant to the subject of the course. Course material must also be unique to individual course. Additionally, the course provider must have ensured that is has received permission to use any copyrighted material, and/or secured the rights to use any material that the course provider themselves did not produce.\n3.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\miscPolicies\\nmlsFS_policyCourseApproval.md",
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      "headings": [
        "Policy on Criteria for Granting NMLS Approval to a Course {#xd_8bf9f3ae4dc83de7-58202a2e-199433a1a71--7ffd .concept}",
        "Purpose {#section_y3t_gd3_qgc .section}",
        "Background and Reason for the Policy {#section_uvm_q33_qgc .section}",
        "Criteria for Granting Approval for a Course to Become NMLS Approved {#section_tw5_s33_qgc .section}",
        "Successful Demonstration that Criterion Has Been Met {#section_mlt_x33_qgc .section}",
        "Course Deficiencies {#section_i55_z33_qgc .section}",
        "Failure to Demonstrate that Criterion Has Been Met {#section_zpv_1j3_qgc .section}",
        "Right to Appeal {#section_knr_cj3_qgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/miscPolicies/nmlsFS_policyCourseApproval.html",
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      "id": "maps/NMLS/education/funcSpec/maps/topics/miscPolicies/nmlsFS_policyCourseApproval.md:chunk-1",
      "title": "Policy on Criteria for Granting NMLS Approval to a Course {#xd_8bf9f3ae4dc83de7-58202a2e-199433a1a71--7ffd .concept}",
      "content": "course provider must have ensured that is has received permission to use any copyrighted material, and/or secured the rights to use any material that the course provider themselves did not produce.\n3.  **Criteria 3 – Sufficient Difficulty**: Pre-licensure education courses must be of sufficient rigor that it assists the student to prepare to work within the industry. Continuing education courses must possess a degree of difficulty and should be designed to enhance the professional competence and/or professional responsibility of the mortgage lending officer.\n4.  **Criteria 4 – Be of Sufficient Length**: The minimum length of a pre-licensure course will be two \\(2\\) classroom hours and the minimum length of a continuing education course will be one \\(1\\) classroom hour. A classroom hour is defined as 50 minutes of classroom instruction for each clock hour \\(60 minutes\\). Online classroom courses must meet the same time requirements as classroom or classroom equivalent course. The NMLS uses the International Association for Continuing Education & Training \\(IACET\\) standard for measuring online classroom time. To measure and determine online classroom time, the course provider will need to record and document the amount of time it takes a sampling of the intended audience to complete the course. Time determination will be the median of the sampling. Course providers must be prepared to provide a copy of the sample record when submitting an online course to the NMLS for approval.\n5.  **Criteria 5 – Be Delivered in an Environment Conducive to Learning**: The course shall be administered in a physical environment that is appropriate for adult education needs. Online courses must be administered through a Learning Management System \\(LMS\\). Additionally, courses must be presented in an environment that is in compliance with applicable local, state, and federal regulations. Any online classroom system must require the student to login, verify attendance, start and end time",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\miscPolicies\\nmlsFS_policyCourseApproval.md",
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      "headings": [
        "Policy on Criteria for Granting NMLS Approval to a Course {#xd_8bf9f3ae4dc83de7-58202a2e-199433a1a71--7ffd .concept}",
        "Purpose {#section_y3t_gd3_qgc .section}",
        "Background and Reason for the Policy {#section_uvm_q33_qgc .section}",
        "Criteria for Granting Approval for a Course to Become NMLS Approved {#section_tw5_s33_qgc .section}",
        "Successful Demonstration that Criterion Has Been Met {#section_mlt_x33_qgc .section}",
        "Course Deficiencies {#section_i55_z33_qgc .section}",
        "Failure to Demonstrate that Criterion Has Been Met {#section_zpv_1j3_qgc .section}",
        "Right to Appeal {#section_knr_cj3_qgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/miscPolicies/nmlsFS_policyCourseApproval.html",
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    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/miscPolicies/nmlsFS_policyCourseApproval.md:chunk-2",
      "title": "Policy on Criteria for Granting NMLS Approval to a Course {#xd_8bf9f3ae4dc83de7-58202a2e-199433a1a71--7ffd .concept}",
      "content": "nted in an environment that is in compliance with applicable local, state, and federal regulations. Any online classroom system must require the student to login, verify attendance, start and end times, and be capable of administering the course material and functionally capable of promoting various forms of interactivity.\n6.  **Criteria 6 – Have a Defined Start and End Time**: Course must have a fixed begin and end time so that hours can be measured. For online self-paced courses, the start time is the time the student started the course and the end time is the time the student completed the course \\(note: this time does not correlate to the number of credit hours a course is awarded. For example: just because a student may take 12 hours to complete a course does not mean the course is 12 hours long\\).\n\n## Successful Demonstration that Criterion Has Been Met \n\nIn order for a course to become NMLS approved the course provider must provide evidence that each course submitted for approval meets each of the six criteria listed above. Courses that do meet the criteria \\(as well as the other course application requirements\\) will be granted “NMLS Approved” status.\n\n## Course Deficiencies \n\nIf, during the evaluation process, a course is found to be deficient in any area, the course provider will be notified and will be asked to address the deficiency. Course providers will have 30 days from the time of notification to address any deficiency.\n\n## Failure to Demonstrate that Criterion Has Been Met \n\nFailure to demonstrate compliance with one or more of the above listed criteria will result in denial of the course provider’s application and the course will not be recognized by the NMLS as being approved. A denied course application will have the effect of rendering the course as being non-SAFE compliant and as such may not be marketed or promoted as being “SAFE Compliant” or “NMLS Approved.”\n\n## Right to Appeal \n\nA course provider whose course application has been denied may",
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        "Purpose {#section_y3t_gd3_qgc .section}",
        "Background and Reason for the Policy {#section_uvm_q33_qgc .section}",
        "Criteria for Granting Approval for a Course to Become NMLS Approved {#section_tw5_s33_qgc .section}",
        "Successful Demonstration that Criterion Has Been Met {#section_mlt_x33_qgc .section}",
        "Course Deficiencies {#section_i55_z33_qgc .section}",
        "Failure to Demonstrate that Criterion Has Been Met {#section_zpv_1j3_qgc .section}",
        "Right to Appeal {#section_knr_cj3_qgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/miscPolicies/nmlsFS_policyCourseApproval.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/miscPolicies/nmlsFS_policyCourseApproval.md:chunk-3",
      "title": "Policy on Criteria for Granting NMLS Approval to a Course {#xd_8bf9f3ae4dc83de7-58202a2e-199433a1a71--7ffd .concept}",
      "content": " being non-SAFE compliant and as such may not be marketed or promoted as being “SAFE Compliant” or “NMLS Approved.”\n\n## Right to Appeal \n\nA course provider whose course application has been denied may appeal the decision within 30-days of the date of the denial letter and their application will be reconsidered provided the course provider can show evidence that the course now meets all six of the criteria listed above.\n\n**Parent topic:**Education Policies",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\miscPolicies\\nmlsFS_policyCourseApproval.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\miscPolicies\\nmlsFS_policyCourseApproval.md",
      "headings": [
        "Policy on Criteria for Granting NMLS Approval to a Course {#xd_8bf9f3ae4dc83de7-58202a2e-199433a1a71--7ffd .concept}",
        "Purpose {#section_y3t_gd3_qgc .section}",
        "Background and Reason for the Policy {#section_uvm_q33_qgc .section}",
        "Criteria for Granting Approval for a Course to Become NMLS Approved {#section_tw5_s33_qgc .section}",
        "Successful Demonstration that Criterion Has Been Met {#section_mlt_x33_qgc .section}",
        "Course Deficiencies {#section_i55_z33_qgc .section}",
        "Failure to Demonstrate that Criterion Has Been Met {#section_zpv_1j3_qgc .section}",
        "Right to Appeal {#section_knr_cj3_qgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/miscPolicies/nmlsFS_policyCourseApproval.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/miscPolicies/nmlsFS_policyCourseFormatStd.md:chunk-0",
      "title": "Policy on NMLS Approved Pre-Licensure and Continuing Education Classroom Formats and Standards {#xd_8bf9f3ae4dc83de7-58202a2e-199433a1a71--7fea .concept}",
      "content": "# Policy on NMLS Approved Pre-Licensure and Continuing Education Classroom Formats and Standards \n\nThe classroom formats and standards for PE and CE courses. Effective June 16, 2009 \\| Reviewed April 16, 2019\n\n## Purpose \n\nThe purpose of this policy is to define the classroom formats and standards under which NMLS approved pre-licensure and continuing education courses may be offered.\n\n## Background and Reason for the Policy \n\nThe Secure and Fair Enforcement for Mortgage Licensing Act \\(SAFE Act\\) requires that the Nationwide Multistate Licensing System \\(NMLS\\) review and approve all pre-licensure and continuing education courses that are to be offered to state-licensed mortgage loan originators and are intended to satisfy the 20 hours of pre-licensure education and/or 8 hours of annual continuing education. In order to meet its mandate as required by the SAFE Act, the NMLS is required to “apply reasonable standards in the review and approval of courses.” As a means to maintain integrity within the industry, the NMLS has identified three classroom formats for pre-licensure education and four classroom formats for continuing education.\n\n## Approved Pre-Licensure and Continuing Education Classroom Formats and Standards \n\nIn order to be considered for NMLS approval, course providers will be required to ensure that their courses are offered in accordance with the classroom formats and standards as outlined in the following tables.\n\n\n\n\n\nClassroom\n\n\n\nClassroom Equivalent\n\n\n\nOnline Instructor-Led\n\n\n\nUse\n\n\n\nTraditional classroom format where an instructor is in front of the classroom facilitating a course.\n\n\n\nSimilar to a classroom format where an instructor is leading a course, however, the students may in two or more physical locations. This format employs video-conferencing or similar technology to deliver synchronous instruction.\n\n\n\nSame experience as an online university or college course. This format requires the use of a learning management system \\(LMS\\) and requir",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\miscPolicies\\nmlsFS_policyCourseFormatStd.md",
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      "headings": [
        "Policy on NMLS Approved Pre-Licensure and Continuing Education Classroom Formats and Standards {#xd_8bf9f3ae4dc83de7-58202a2e-199433a1a71--7fea .concept}",
        "Purpose {#section_kgv_z2j_qgc .section}",
        "Background and Reason for the Policy {#section_kdh_cfj_qgc .section}",
        "Approved Pre-Licensure and Continuing Education Classroom Formats and Standards {#section_uw4_gfj_qgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/miscPolicies/nmlsFS_policyCourseFormatStd.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/miscPolicies/nmlsFS_policyCourseFormatStd.md:chunk-1",
      "title": "Policy on NMLS Approved Pre-Licensure and Continuing Education Classroom Formats and Standards {#xd_8bf9f3ae4dc83de7-58202a2e-199433a1a71--7fea .concept}",
      "content": " or similar technology to deliver synchronous instruction.\n\n\n\nSame experience as an online university or college course. This format requires the use of a learning management system \\(LMS\\) and requires the instructor and students to interact with each other via any variety of synchronous or asynchronous activities.\n\n\n\nInstructor\n\n\n\nThe course, including each class session if there are multiple class sessions, must be instructor led.\n\n\n\nThe course, including each class session if there are multiple class sessions, must be instructor led.\n\n\n\nThe course, including each class session if there are multiple sessions, must be instructor led.\n\n\n\nLocation\n\n\n\nStudents and the instructor must be in the same classroom.\n\n\n\nStudents and the instructor may be in two or more physical locations.\n\n\n\nInstruction may be delivered over a wide geographic via the Internet.\n\n\n\nFacilitation\n\n\n\nThe instructor shall lead the students through a set of learning objectives and the course material. The instructor will be able to facilitate discussion with the students.\n\n\n\nThe instructor shall lead the students through a set of learning objectives and the course material. The instructor will be able to facilitate discussion with the students in a real time basis.\n\n\n\nThe curriculum must be constructed in such a way as to present learning objectives and requires the student to engage with the content using one or more of the following techniques:\n\n1.  arespond to questions, cases, illustrations, etc., through essay or similar responses;\n2.  demonstrate interactivity through the use of instructor moderated blogs, newsgroup, or threaded discussions;\n3.  quizzes or exams.\n\n\n\nPhysical Environment\n\n\n\nThe course shall be administered in a physical setting that is appropriate for adult education needs.\n\n1.  The Classroom will be reasonably free from noise and distraction.\n2.  The classroom will be easily accessible and in compliance with appropriate local, state, and federal regulations including but not ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\miscPolicies\\nmlsFS_policyCourseFormatStd.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\miscPolicies\\nmlsFS_policyCourseFormatStd.md",
      "headings": [
        "Policy on NMLS Approved Pre-Licensure and Continuing Education Classroom Formats and Standards {#xd_8bf9f3ae4dc83de7-58202a2e-199433a1a71--7fea .concept}",
        "Purpose {#section_kgv_z2j_qgc .section}",
        "Background and Reason for the Policy {#section_kdh_cfj_qgc .section}",
        "Approved Pre-Licensure and Continuing Education Classroom Formats and Standards {#section_uw4_gfj_qgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/miscPolicies/nmlsFS_policyCourseFormatStd.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/miscPolicies/nmlsFS_policyCourseFormatStd.md:chunk-2",
      "title": "Policy on NMLS Approved Pre-Licensure and Continuing Education Classroom Formats and Standards {#xd_8bf9f3ae4dc83de7-58202a2e-199433a1a71--7fea .concept}",
      "content": "he Classroom will be reasonably free from noise and distraction.\n2.  The classroom will be easily accessible and in compliance with appropriate local, state, and federal regulations including but not limited to the Americans with Disabilities Act \\(ADA\\)\n3.  Each student will have an individual seat.\n4.  No class sessions will be conducted in a personal residence.\n\n\n\nThe course shall be administered in a physical setting that is appropriate for adult education needs.\n\n1.  The Classroom will be reasonably free from noise and distraction.\n2.  The classroom will be easily accessible and in compliance with appropriate local, state, and federal regulations including but not limited to the Americans with Disabilities Act \\(ADA\\)\n3.  Each student will have an individual seat.\n4.  No class sessions will be instructed from a personal residence.\n5.  If a student is taking the course from a location other than in a course provider hosted location where attendance can be verified, then the course provider must have a means by which it can ensure and validate that the student is in full attendance of the course.\n\n\n\nThe course shall be administered through an online classroom environment \\(commonly referred to as a Learning Management System\\). The classroom environment must require the student to log in, be able to verify attendance, and be capable of administering the course material.\n\n\n\nAttendance\n\n\n\nThe instructor [^1]shall monitor the attendance and participation of each student.\n\n\n\nThe instructor[^1] shall monitor the attendance and participation of each student.\n\n\n\nThe online classroom system must be able to verify attendance and demonstrate student’s participation in the course through the use of such tool as log files, blog postings, exams/quizzes, threaded discussion, etc.\n\n\n\nTime\n\n\n\nA classroom hour will include no less than 50 minutes of instruction for each clock hour \\(60 minutes\\). A single class session will be no less than one classroom hour.\n\n\n\nA classroom equiv",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\miscPolicies\\nmlsFS_policyCourseFormatStd.md",
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      "headings": [
        "Policy on NMLS Approved Pre-Licensure and Continuing Education Classroom Formats and Standards {#xd_8bf9f3ae4dc83de7-58202a2e-199433a1a71--7fea .concept}",
        "Purpose {#section_kgv_z2j_qgc .section}",
        "Background and Reason for the Policy {#section_kdh_cfj_qgc .section}",
        "Approved Pre-Licensure and Continuing Education Classroom Formats and Standards {#section_uw4_gfj_qgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/miscPolicies/nmlsFS_policyCourseFormatStd.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/miscPolicies/nmlsFS_policyCourseFormatStd.md:chunk-3",
      "title": "Policy on NMLS Approved Pre-Licensure and Continuing Education Classroom Formats and Standards {#xd_8bf9f3ae4dc83de7-58202a2e-199433a1a71--7fea .concept}",
      "content": "\n\n\nTime\n\n\n\nA classroom hour will include no less than 50 minutes of instruction for each clock hour \\(60 minutes\\). A single class session will be no less than one classroom hour.\n\n\n\nA classroom equivalent hour will include no less than 50 minutes of instruction for each clock hour \\(60 minutes\\). A classroom equivalent hour will be no less than one classroom hour.\n\n\n\nOnline classroom courses must meet the same time requirements as classroom or classroom equivalent courses. Time is determined based on the median amount of time it takes several representative students to complete the course. To measure and determine time, the course provider will need to record and document the amount of time it takes a sampling of the intended audience to complete the course. Time determination will be the median of the sampling.\n\n\n\nCredit Hour\n\n\n\nOne classroom hour will equal one credit hour.\n\n\n\nOne classroom equivalent hour will equal one credit hour.\n\n\n\nOne online classroom hour will equal one credit hour.\n\n\n\nMinimum Course Length\n\n\n\nthe minimum length of a prelicensure course will be two \\(2\\) classroom hours.\n\n\n\nthe minimum length of a prelicensure course will be two \\(2\\) classroom hours.\n\n\n\nthe minimum length of a prelicensure course will be two \\(2\\) classroom hours.\n\n\n\nStart/End Times\n\n\n\nclassroom courses will have defined beginning and end times/dates.\n\n\n\nclassroom equivalent courses will have defined beginning and end times/dates.\n\n\n\nonline classroom courses will have defined beginning and end times/dates.\n\n\n\nStudent Satisfaction\n\n\n\nthe course provider should have a means by which to measure student satisfaction with the instructor and training/educational service\\(s\\) provided.\n\n\n\nthe course provider should have a means by which to measure student satisfaction with the instructor and training/educational service\\(s\\)\n\n\n\nthe course provider should have a means by which to measure student satisfaction with the instructor and training/educational service\\(s\\) provided. prov",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\miscPolicies\\nmlsFS_policyCourseFormatStd.md",
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      "headings": [
        "Policy on NMLS Approved Pre-Licensure and Continuing Education Classroom Formats and Standards {#xd_8bf9f3ae4dc83de7-58202a2e-199433a1a71--7fea .concept}",
        "Purpose {#section_kgv_z2j_qgc .section}",
        "Background and Reason for the Policy {#section_kdh_cfj_qgc .section}",
        "Approved Pre-Licensure and Continuing Education Classroom Formats and Standards {#section_uw4_gfj_qgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/miscPolicies/nmlsFS_policyCourseFormatStd.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/miscPolicies/nmlsFS_policyCourseFormatStd.md:chunk-4",
      "title": "Policy on NMLS Approved Pre-Licensure and Continuing Education Classroom Formats and Standards {#xd_8bf9f3ae4dc83de7-58202a2e-199433a1a71--7fea .concept}",
      "content": "uctor and training/educational service\\(s\\)\n\n\n\nthe course provider should have a means by which to measure student satisfaction with the instructor and training/educational service\\(s\\) provided. provided.\n\n\n\n\n\n\nClassroom\n\n\n\nClassroom Equivalent\n\n\n\nOnline Self-Paced\n\n\n\nUse:\n\n\n\nTraditional classroom format where an instructor is in front of the classroom facilitating a course.\n\n\n\nSimilar to a classroom format where an instructor is leading a course, however, the students may in two or more physical locations. This format employs video-conferencing or similar technology to deliver synchronous instruction.\n\n\n\nSelf-paced and independent instruction whereby the student logs onto a course provider’s learning management system to read and review material and complete quizzes and/or exams.\n\n\n\nInstructor:\n\n\n\nThe course, including each class session if there are multiple class sessions, must be instructor led.\n\n\n\nThe course, including each class session if there are multiple class sessions, must be instructor led.\n\n\n\nThe course will not have an instructor assigned to it.\n\n\n\nLocation:\n\n\n\nStudents and the instructor must be in the same classroom.\n\n\n\nStudents and the instructor may be in two or more physical locations.\n\n\n\nCourse may be taken at any time from any location via the Internet.\n\n\n\nFacilitation:\n\n\n\nThe instructor shall lead the students through a set of learning objectives and the course material. The instructor will be able to facilitate discussion with the students.\n\n\n\nThe instructor shall lead the students through a set of learning objectives and the course material. The instructor will be able to facilitate discussion with the students in a real time basis.\n\n\n\nThe curriculum must be constructed in such a way as to present learning objectives and requires the student to engage with the content using one or more of the following techniques:\n\n1.  interactive exercises;\n2.  quizzes;\n3.  polls.\n\n\n\nPhysical Environment:\n\n\n\nThe course shall be administered in a physical s",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\miscPolicies\\nmlsFS_policyCourseFormatStd.md",
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        "Policy on NMLS Approved Pre-Licensure and Continuing Education Classroom Formats and Standards {#xd_8bf9f3ae4dc83de7-58202a2e-199433a1a71--7fea .concept}",
        "Purpose {#section_kgv_z2j_qgc .section}",
        "Background and Reason for the Policy {#section_kdh_cfj_qgc .section}",
        "Approved Pre-Licensure and Continuing Education Classroom Formats and Standards {#section_uw4_gfj_qgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/miscPolicies/nmlsFS_policyCourseFormatStd.html",
      "snippet": null
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    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/miscPolicies/nmlsFS_policyCourseFormatStd.md:chunk-5",
      "title": "Policy on NMLS Approved Pre-Licensure and Continuing Education Classroom Formats and Standards {#xd_8bf9f3ae4dc83de7-58202a2e-199433a1a71--7fea .concept}",
      "content": " engage with the content using one or more of the following techniques:\n\n1.  interactive exercises;\n2.  quizzes;\n3.  polls.\n\n\n\nPhysical Environment:\n\n\n\nThe course shall be administered in a physical setting that is appropriate for adult education needs.\n\n1.  The Classroom will be reasonably free from noise and distraction.\n2.  The classroom will be easily accessible and in compliance with appropriate local, state, and federal regulations including but not limited to the Americans with Disabilities Act \\(ADA\\)\n3.  Each student will have an individual seat.\n4.  No class sessions will be conducted in a personal residence.\n\n\n\nThe course shall be administered in a physical setting that is appropriate for adult education needs.\n\n1.  The Classroom will be reasonably free from noise and distraction.\n2.  The classroom will be easily accessible and in compliance with appropriate local, state, and federal regulations including but not limited to the Americans with Disabilities Act \\(ADA\\)\n3.  Each student will have an individual seat.\n4.  No class sessions will be instructed from a personal residence.\n5.  If a student is taking the course from a location other than in a course provider hosted location where attendance can be verified, then the course provider must have a means by which it can ensure and validate that the student is in full attendance of the course.\n\n\n\nThe course shall be administered online using a PC and constructed in such a way that the course provider can verify the student’s login, track progress, and log the course completion date.\n\n\n\nAttendance:\n\n\n\nThe instructor[^1] shall monitor the attendance and participation of each student.\n\n\n\nThe instructor[^1] shall monitor the attendance and participation of each student.\n\n\n\nCourse delivery mechanism must be constructed in such a way that the provider can verify the student’s login, track progress, and log the course completion date.\n\n\n\nTime:\n\n\n\nA classroom hour will include no less than 50 minutes of instructi",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\miscPolicies\\nmlsFS_policyCourseFormatStd.md",
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      "headings": [
        "Policy on NMLS Approved Pre-Licensure and Continuing Education Classroom Formats and Standards {#xd_8bf9f3ae4dc83de7-58202a2e-199433a1a71--7fea .concept}",
        "Purpose {#section_kgv_z2j_qgc .section}",
        "Background and Reason for the Policy {#section_kdh_cfj_qgc .section}",
        "Approved Pre-Licensure and Continuing Education Classroom Formats and Standards {#section_uw4_gfj_qgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/miscPolicies/nmlsFS_policyCourseFormatStd.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/miscPolicies/nmlsFS_policyCourseFormatStd.md:chunk-6",
      "title": "Policy on NMLS Approved Pre-Licensure and Continuing Education Classroom Formats and Standards {#xd_8bf9f3ae4dc83de7-58202a2e-199433a1a71--7fea .concept}",
      "content": "ucted in such a way that the provider can verify the student’s login, track progress, and log the course completion date.\n\n\n\nTime:\n\n\n\nA classroom hour will include no less than 50 minutes of instruction for each clock hour \\(60 minutes\\). A single class session will be no less than one classroom hour.\n\n\n\nA classroom equivalent hour will include no less than 50 minutes of instruction for each clock hour \\(60 minutes\\). A classroom equivalent hour will be no less than one classroom hour.\n\n\n\nOnline self-paced courses must meet the same time requirements as classroom or classroom equivalent courses. The NMLS uses the International Association for Continuing Education & Training \\(IACET\\) standard for measuring online classroom time. Time is determined based on the median amount of time it takes several representative students to complete the course. To measure and determine time, the course provider will need to record and document the amount of time it takes a sampling of the intended audience to complete the course. Time determination will be the median of the sampling.\n\n\n\nCredit Hour:\n\n\n\nOne classroom hour will equal one credit hour.\n\n\n\nOne classroom equivalent hour will equal one credit hour.\n\n\n\nOne classroom hour will equal one credit hour.\n\n\n\nMinimum Course Length:\n\n\n\nThe minimum length of a continuing education course will be one \\(1\\) classroom hour.\n\n\n\nThe minimum length of a continuing education course will be one \\(1\\) classroom hour.\n\n\n\nThe minimum length of a continuing education course will be one \\(1\\) classroom hour.\n\n\n\nStart/End Times:\n\n\n\nclassroom courses will have defined beginning and end times/dates.\n\n\n\nclassroom equivalent courses will have defined beginning and end times/dates.\n\n\n\nonline self study courses are not required to have defined beginning times but they must be able to record the course completion time for reporting purposes.\n\n\n\nStudent Satisfaction:\n\n\n\nthe course provider should have a means by which to measure student satisfaction with",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\miscPolicies\\nmlsFS_policyCourseFormatStd.md",
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      "headings": [
        "Policy on NMLS Approved Pre-Licensure and Continuing Education Classroom Formats and Standards {#xd_8bf9f3ae4dc83de7-58202a2e-199433a1a71--7fea .concept}",
        "Purpose {#section_kgv_z2j_qgc .section}",
        "Background and Reason for the Policy {#section_kdh_cfj_qgc .section}",
        "Approved Pre-Licensure and Continuing Education Classroom Formats and Standards {#section_uw4_gfj_qgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/miscPolicies/nmlsFS_policyCourseFormatStd.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/miscPolicies/nmlsFS_policyCourseFormatStd.md:chunk-7",
      "title": "Policy on NMLS Approved Pre-Licensure and Continuing Education Classroom Formats and Standards {#xd_8bf9f3ae4dc83de7-58202a2e-199433a1a71--7fea .concept}",
      "content": "mes but they must be able to record the course completion time for reporting purposes.\n\n\n\nStudent Satisfaction:\n\n\n\nthe course provider should have a means by which to measure student satisfaction with the instructor and training/educational service\\(s\\) provided.\n\n\n\nthe course provider should have a means by which to measure student satisfaction with the instructor and training/educational service\\(s\\) provided.\n\n\n\nthe course provider should have a means by which to measure student satisfaction with the instructor and training/educational service\\(s\\) provided.\n\n\n**Parent topic:**Education Policies\n\n[^1]: The Approved Course Provider \\(ACP\\) may use an additional employee or agent to monitor attendance and student participation.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\miscPolicies\\nmlsFS_policyCourseFormatStd.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\miscPolicies\\nmlsFS_policyCourseFormatStd.md",
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        "Policy on NMLS Approved Pre-Licensure and Continuing Education Classroom Formats and Standards {#xd_8bf9f3ae4dc83de7-58202a2e-199433a1a71--7fea .concept}",
        "Purpose {#section_kgv_z2j_qgc .section}",
        "Background and Reason for the Policy {#section_kdh_cfj_qgc .section}",
        "Approved Pre-Licensure and Continuing Education Classroom Formats and Standards {#section_uw4_gfj_qgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/miscPolicies/nmlsFS_policyCourseFormatStd.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/miscPolicies/nmlsFS_policyReportingStudentCred.md:chunk-0",
      "title": "Policy on Reporting \\(Banking\\) of Student Credits {#xd_8bf9f3ae4dc83de7-58202a2e-199433a1a71--7ffb .concept}",
      "content": "# Policy on Reporting \\(Banking\\) of Student Credits \n\nReporting of student course completions. Effective June 6, 2009 \\| Reviewed April 16, 2019\n\n## Purpose \n\nThe purpose of this policy is to establish the requirement associated with reporting of student course completions, generally referred to as “credit banking.”\n\n## Background and Reason for the Policy \n\nApproved Course Providers are required to upload pre-licensure and continuing education course completion rosters in an electronic format into the Nationwide Multistate Licensing System \\(NMLS\\). Uploading of the roster in to the NMLS is the only way in which an industry professional will receive recognition for the pre-licensure and/or continuing education courses they have completed as required by the SAFE Act. Because the function of banking of student credit is a critical component in ensuring an industry professional meets licensure compliance requirements, course-providers need to be responsive to the need to report course completion in as timely a manner as possible.\n\n## Basic Reporting Requirements \n\nThe NMLS has developed and maintains an online system that monitors an industry professional’s licensure compliance status. In order to ensure an industry professional meets and/or maintains licensure compliance requirements as defined by the SAFE Act, NMLS has been enhanced to track pre-licensure, continuing education and Federal and State testing requirements. Because continuing education requirements are annual, NMLS determines if an individual has met SAFE Act education requirements based upon when an individual has completed a course. However, until a course provider reports an individual has completed a course, the NMLS is unable to determine if an individual has met their licensure requirements. Thus, timely reporting is critical and as such the following reporting requirements have been developed:\n\n-   An approved course provider has seven calendar days after the end of a course \\(or in the case of ",
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        "Purpose {#section_nd3_gn3_qgc .section}",
        "Background and Reason for the Policy {#section_atw_kn3_qgc .section}",
        "Basic Reporting Requirements {#section_b5d_4n3_qgc .section}",
        "Enforcement {#section_dm4_qn3_qgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/miscPolicies/nmlsFS_policyReportingStudentCred.html",
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    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/miscPolicies/nmlsFS_policyReportingStudentCred.md:chunk-1",
      "title": "Policy on Reporting \\(Banking\\) of Student Credits {#xd_8bf9f3ae4dc83de7-58202a2e-199433a1a71--7ffb .concept}",
      "content": "mely reporting is critical and as such the following reporting requirements have been developed:\n\n-   An approved course provider has seven calendar days after the end of a course \\(or in the case of an online self-paced course, from the time the student completes the course\\) to report \\(bank\\) a student’s credits.\n-   The only way to report that a student has completed a course is through the NMLS.\n-   Continuing education credits count only in the calendar year in which the course was completed. For courses that are completed on December 31, the approved course provider will have until January 7 of the next year to upload the course completion roster.\n-   Credit for an approved course may only be applied towards a PE/CE requirement once in a given calendar year. For example, if an industry professional takes the same course twice within a calendar year; credit for the course will only be recognized once.\n-   In accordance with the SAFE Act, a state-licensed loan originator who is approved as the instructor of an NMLS approved continuing education course may receive credit against their own annual continuing education requirement at the rate of two \\(2\\) credit hours for every one \\(1\\) hour they instruct.\n-   The process for reporting \\(banking\\) of complete course roster is detailed in the Report Course Completions Guide.\n-   In order to report that a student has completed a course, the student must provide the course provider with their NMLS number. Without an industry professional’s NMLS number there is no way the course provider can report that the student has completed a course.\n\n## Enforcement \n\nThe NMLS will run regular reports to identify any course completion roster that has not been submitted within the seven-day time-period. Approved course providers who have not submitted a roster within the seven-day time period will be reminded of their requirement to submit course rosters in a timely fashion. Course providers who habitually fail to submit course co",
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        "Purpose {#section_nd3_gn3_qgc .section}",
        "Background and Reason for the Policy {#section_atw_kn3_qgc .section}",
        "Basic Reporting Requirements {#section_b5d_4n3_qgc .section}",
        "Enforcement {#section_dm4_qn3_qgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/miscPolicies/nmlsFS_policyReportingStudentCred.html",
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    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/miscPolicies/nmlsFS_policyReportingStudentCred.md:chunk-2",
      "title": "Policy on Reporting \\(Banking\\) of Student Credits {#xd_8bf9f3ae4dc83de7-58202a2e-199433a1a71--7ffb .concept}",
      "content": "ave not submitted a roster within the seven-day time period will be reminded of their requirement to submit course rosters in a timely fashion. Course providers who habitually fail to submit course completion rosters within the required time period may have their NMLS approval status suspended or revoked.\n\n**Parent topic:**Education Policies",
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        "Background and Reason for the Policy {#section_atw_kn3_qgc .section}",
        "Basic Reporting Requirements {#section_b5d_4n3_qgc .section}",
        "Enforcement {#section_dm4_qn3_qgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/miscPolicies/nmlsFS_policyReportingStudentCred.html",
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    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/miscPolicies/nmlsFS_policyResellingMarketingNMLSCourses.md:chunk-0",
      "title": "Policy on Business Arrangements, Reselling, and Marketing of NMLS Approved Courses {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7fa2 .concept}",
      "content": "# Policy on Business Arrangements, Reselling, and Marketing of NMLS Approved Courses \n\nAcceptable business arrangements for the promotion, selling, reselling, and marketing of NMLS approved courses. 03/25/2014\n\n## Purpose \n\nThe purpose of this policy is to provide definitions and to list what NMLS considers to be acceptable business arrangements for the promotion, selling, reselling, and marketing of NMLS approved courses. This policy also details when and how NMLS approved course providers may use the NMLS name, the “NMLS Approved” phrase, and/or “NMLS Approved course” logo to promote and/or market courses.\n\n## Background and Reason for the Policy \n\nThe Secure and Fair Enforcement for Mortgage Licensing Act \\(SAFE Act\\) requires that all pre licensing \\(PE\\) and continuing education \\(CE\\) courses be reviewed and approved by the Nationwide Multistate Licensing System \\(NMLS\\). As such, any course taken by a state-licensed loan originator that has not been reviewed and approved by NMLS does not satisfy the PE or annual CE requirement as stipulated by the SAFE Act. To assist in the prevention of fraud and/or to eliminate confusion in the marketplace, this policy details the various policies that may be employed to promote, resell, and/or market NMLS approved courses. Additionally, this policy details when and how the NMLS name, the “NMLS Approved” phrase, and and/or the “NMLS Approved” logo may be used to promote and/or market courses.\n\n## Definitions \n\nThe following definitions are applicable:\n\nNMLS Approved Course Provider:\n:   An organization which has submitted an application and has subsequently been approved by NMLS to deliver PE and/or CE courses which are intended to satisfy the requirements of the SAFE Act. An NMLS Approved Course Provider is also defined as the organization that offers and delivers an approved course, is responsible for the instruction of the course, charges fees, issues refunds, issues a course completion certificate, and performs credit b",
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        "Background and Reason for the Policy {#section_ekz_wxf_qgc .section}",
        "Definitions {#section_itf_csf_qgc .section}",
        "Course Provider Business Arrangement Standards {#section_lgc_jrf_qgc .section}",
        "Use of NMLS Name in Marketing {#section_spp_wpf_qgc .section}",
        "Non-Compliance with Business and/or Marketing Requirements {#section_apt_h5d_qgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/miscPolicies/nmlsFS_policyResellingMarketingNMLSCourses.html",
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      "title": "Policy on Business Arrangements, Reselling, and Marketing of NMLS Approved Courses {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7fa2 .concept}",
      "content": " organization that offers and delivers an approved course, is responsible for the instruction of the course, charges fees, issues refunds, issues a course completion certificate, and performs credit banking.\n\nNMLS Approved Course:\n:   A course which has been submitted by an NMLS approved course provider and has been reviewed and approved by NMLS to satisfy the requirements of the SAFE Act. Every NMLS approved course has a unique course ID number which is associated with only one NMLS approved course provider.\n\nLicensing Agreement:\n:   An agreement in which the owner of course materials, textbooks, or software extends permission to an NMLS approved provider to use said specific course material, textbook, or software in the delivery of an NMLS approved course.\n\nReferral Marketing:\n:   A marketing arrangement between an NMLS approved course provider and a third party in which the third party refers a potential customer to a course \\(or list of courses\\) owned and offered by an NMLS approved course provider.\n\nReseller:\n:   An entity that resells \\(accepts payment for\\) a course on behalf of an NMLS approved course provider. NMLS defines this as a prohibited act.\n\n## Course Provider Business Arrangement Standards \n\nThe overriding objective of these business standards are: 1\\) to ensure that it is very clear and that there can be no doubt in the consumer’s mind about: \\(a\\) who the approved course provider is, \\(b\\) who they are purchasing the course\\(s\\) from, \\(c\\) who is delivering the education, and \\(d\\) who they need to contact in the case of any issue or complaint; and 2\\) to preserve the integrity of the term “NMLS Approved;” 3\\) to ensure all NMLS approved course providers are abiding by the Approved Course Provider Standards of Conduct.\n\n1.  **Acceptable Business Arrangements**: The following business arrangements are acceptable under the following conditions:\n    1.  **Licensing Agreements**: NMLS approved course providers may enter into licensing agreements wi",
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        "Definitions {#section_itf_csf_qgc .section}",
        "Course Provider Business Arrangement Standards {#section_lgc_jrf_qgc .section}",
        "Use of NMLS Name in Marketing {#section_spp_wpf_qgc .section}",
        "Non-Compliance with Business and/or Marketing Requirements {#section_apt_h5d_qgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/miscPolicies/nmlsFS_policyResellingMarketingNMLSCourses.html",
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      "title": "Policy on Business Arrangements, Reselling, and Marketing of NMLS Approved Courses {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7fa2 .concept}",
      "content": "rangements**: The following business arrangements are acceptable under the following conditions:\n    1.  **Licensing Agreements**: NMLS approved course providers may enter into licensing agreements with third parties for the use of course materials, textbooks, and software \\(including the use of Learning Management Systems \\(LMS\\) for the purposes of delivering an NMLS Approved Course\\). Licensing agreements and the source of the material must be disclosed when the course is submitted to NMLS for approval. The following additional caveats apply:\n        1.  **Licensing Agreements of Approved Classroom Course Content**:\n            1.  An NMLS approved course provider \\(the “licensor”\\) with an NMLS approved classroom course may license its course to another NMLS approved course provider \\(the “licensee”\\) provided the licensee resubmits the course for re approval so that content can be verified as being accurate and so that a unique course ID number associated the licensee can be assigned to the course.\n            2.  The licensee has responsibility for ensuring course content is up-to-date, for satisfying any and all conditions associated with the course approval process, course auditing, and, assuming the course is up for renewal, for submitting updated material during the renewal process. During the course approval process, NMLS will communicate solely with the licensee to address any concerns.\n            3.  The SAFE Act’s “two year rule” precludes an MLO from taking the same course two years in a row. A course provider offering a licensed CE course will retain the course title as was approved for the “parent” course. This will serve as an obvious indicator on the MLO’s course completion record that the MLO has not complied with the rule.\n        2.  **Licensing Agreement of Classroom Equivalent \\(Webinar\\) Course Content**:\n            1.  An NMLS approved course provider with an NMLS approved classroom course may license its course to another NMLS approved c",
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        "Course Provider Business Arrangement Standards {#section_lgc_jrf_qgc .section}",
        "Use of NMLS Name in Marketing {#section_spp_wpf_qgc .section}",
        "Non-Compliance with Business and/or Marketing Requirements {#section_apt_h5d_qgc .section}"
      ],
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      "title": "Policy on Business Arrangements, Reselling, and Marketing of NMLS Approved Courses {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7fa2 .concept}",
      "content": "greement of Classroom Equivalent \\(Webinar\\) Course Content**:\n            1.  An NMLS approved course provider with an NMLS approved classroom course may license its course to another NMLS approved course provider provided the licensee resubmits the course for re-approval so that content can be verified as being accurate and so that a unique course ID number associated the licensee can be assigned to the course.\n            2.  The licensee has responsibility for ensuring course content is up-to-date, for satisfying any and all conditions associated with the course approval process, course auditing, and, assuming the course is up for renewal, for submitting updated materials during the annual course renewal process. During the course approval process, NMLS will communicate solely with the licensee to address any concerns.\n            3.  The licensee is responsible for ensuring all current and future technical requirements for delivery of the course as outlined in the functional specification are met.\n            4.  The SAFE Act’s “two year rule” precludes an MLO from taking the same course two years in a row. A course provider offering a licensed CE course will retain the course title as was approved for the “parent” course. This will serve as an obvious indicator on the MLO’s course completion record that the MLO has not complied with the rule.\n        3.  **Licensing Agreement of Online Self-Study Courses**:\n            1.  An NMLS approved course provider with an NMLS approved online self study course may license its course to another NMLS approved course provider provided the licensee resubmits the course for reapproval so that content can be verified as being accurate and so that a unique course ID number associated the licensee can be assigned to the course.\n            2.  The licensee has responsibility for ensuring course content is up-to-date, for satisfying any and all conditions associated with the course approval process, course auditing, and, assumi",
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        "Course Provider Business Arrangement Standards {#section_lgc_jrf_qgc .section}",
        "Use of NMLS Name in Marketing {#section_spp_wpf_qgc .section}",
        "Non-Compliance with Business and/or Marketing Requirements {#section_apt_h5d_qgc .section}"
      ],
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      "content": "          2.  The licensee has responsibility for ensuring course content is up-to-date, for satisfying any and all conditions associated with the course approval process, course auditing, and, assuming the course is up for renewal, for submitting updated materials during the annual course renewal process. During the course approval process, NMLS will communicate solely with the licensee to address any concerns.\n            3.  The licensee must ensure that any brand name that may appear on the course, within the course content, on the course completion certificate, etc. does not create any confusion about who the course provider is. For example, if company X has produced an online self-study course that is being licensed by provider Y, it must appear obvious and remain persistent to the student that provider Y is the course provider, that provider Y is the organization responsible for collecting payment and issuing any refunds; is responsible for answering all questions, dealing with complaints, and for reporting the course completion. In no way should it ever appear that company X is the course provider.\n            4.  The licensee is responsible for ensuring all current and future technical requirements for delivery of the course as outlined in the functional specification are met.\n            5.  The SAFE Act’s “two year rule” precludes an MLO from taking the same course two years in a row. A course provider offering a licensed CE course will retain the course title as was approved for the “parent” course. This will serve as an obvious indicator on the MLO’s course completion record that the MLO has not complied with the rule.\n        4.  **Licensing Agreement of Online Instructor-led Courses**:\n            1.  An NMLS approved course provider with an NMLS approved online instructor course may license its course content and/or technical capability \\(LMS and supporting technology\\) to another NMLS approved course provider provided the licensee resubmits the cour",
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        "Use of NMLS Name in Marketing {#section_spp_wpf_qgc .section}",
        "Non-Compliance with Business and/or Marketing Requirements {#section_apt_h5d_qgc .section}"
      ],
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      "title": "Policy on Business Arrangements, Reselling, and Marketing of NMLS Approved Courses {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7fa2 .concept}",
      "content": " online instructor course may license its course content and/or technical capability \\(LMS and supporting technology\\) to another NMLS approved course provider provided the licensee resubmits the course for re-approval so that content, activities, time requirements, etc. can be verified as being accurate and so that a unique course ID number associated the licensee can be assigned to the course.\n            2.  The licensee has responsibility for ensuring course content is up-to-date, for satisfying any and all conditions associated with the course approval process, course auditing, and, assuming the course is up for renewal, for submitting updated materials during the annual course renewal process. During the course approval process, NMLS will communicate solely with the licensee to address any concerns.\n            3.  The licensee is responsible for ensuring and demonstrating that instructors have the requisite skills and experience to teach online courses. NMLS reserves the right to deny/remove course approval if the licensee fails to demonstrate that it possesses the capability to deliver online instructor-led courses in accordance with NMLS policies and procedures and the functional specification.\n            4.  The licensee must ensure that any brand name that may appear on the course, within the course content, on the course completion certificate, etc. does not create any confusion about who the course provider is. For example, if company X has produced an online instructor-led course that is being licensed by provider Y, it must appear obvious and remain persistent to the student that provider Y is the course provider, that provider Y is the organization responsible for collecting payment and issuing any refunds; is responsible for answering any questions, dealing with complaints, and for reporting the course completion. In no way should it ever appear that company X is the course provider.\n            5.  The licensee is responsible for ensuring all curr",
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        "Non-Compliance with Business and/or Marketing Requirements {#section_apt_h5d_qgc .section}"
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      "title": "Policy on Business Arrangements, Reselling, and Marketing of NMLS Approved Courses {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7fa2 .concept}",
      "content": "aling with complaints, and for reporting the course completion. In no way should it ever appear that company X is the course provider.\n            5.  The licensee is responsible for ensuring all current and future technical requirements for delivery of the course as outlined in the functional specification are met.\n    2.  **Referral Marketing**: NMLS approved course providers may enter into referral marketing agreements with third parties as a means to acquire students for an approved provider and/course. During the renewal process, as part of any desk review, or upon request, the approved course provider is required to disclose with NMLS referral marketing agreements for verification that the referral marketing complies with NMLS policies. The following additional caveats apply:\n        1.  **Acceptable Practices**:\n            1.  A third-party web site may host a link \\(line of text, ad banner, image, etc.\\) that, when clicked by a user, will take the user to the web site of the approved course provider where the user can learn about or purchase the course.\n            2.  Course providers must ensure that all third-party web site information discloses required information such as the course provider’s complete name as registered with NMLS, and the course name and number as approved by NMLS \\(see Section Course Marketing Standards\\).\n            3.  Course providers are responsible for monitoring affiliates and proactively taking action to ensure third- party marketing activities are not being conducted in such a way as to infer, suggest, or in any way mislead a consumer into thinking the third party is approved, endorsed or has any sort of relationship with NMLS. In accordance with the Standard of Conduct for NMLS Approved Course providers, NMLS will hold the approved course provider responsible for any misleading or deceptive affiliate marketing.\n        2.  i**Unacceptable Practices**:\n            1.  A third party may not link or perform any marketing activ",
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        "Purpose {#section_qwx_f5d_qgc .section}",
        "Background and Reason for the Policy {#section_ekz_wxf_qgc .section}",
        "Definitions {#section_itf_csf_qgc .section}",
        "Course Provider Business Arrangement Standards {#section_lgc_jrf_qgc .section}",
        "Use of NMLS Name in Marketing {#section_spp_wpf_qgc .section}",
        "Non-Compliance with Business and/or Marketing Requirements {#section_apt_h5d_qgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/miscPolicies/nmlsFS_policyResellingMarketingNMLSCourses.html",
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    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/miscPolicies/nmlsFS_policyResellingMarketingNMLSCourses.md:chunk-7",
      "title": "Policy on Business Arrangements, Reselling, and Marketing of NMLS Approved Courses {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7fa2 .concept}",
      "content": "oved course provider responsible for any misleading or deceptive affiliate marketing.\n        2.  i**Unacceptable Practices**:\n            1.  A third party may not link or perform any marketing activity in which it may appear to a prospective student that the third party is an approved course provider and/or that it is selling, hosting, or doing anything else that may lead a prospective student to believe that the third party is an approved course provider and/or is the owner of the approved course.\n            2.  The third party may not take any registrations and/or collect any funds on behalf an approved course provider.\n            3.  The third party may not display or use the NMLS Approved Course logo with the course number. This logo is for the exclusive use of the approved course provider.\n    3.  **Reseller**: A reseller is defined as entity that resells \\(accepts payment for\\) a course on behalf of an NMLS approved course provider. NMLS defines this as a prohibited act. An organization may license content and/or technology to an approved course provider for the purposes of offering a course in accordance with one of the licensing policies outlined above.\n\n## Use of NMLS Name in Marketing \n\nNMLS expects all approved course providers to promote themselves and their course offerings in accordance with high ethical standards.\n\nA. Course Marketing Standards\n:   Permission to use the NMLS name, initials, logo, or brand is extended under the following conditions:\n\n    1.  All advertising must be truthful and be void of any misleading statements, promises, or guarantees that cannot be reasonably fulfilled \\(i.e. a course may not be promoted in 5 Policy on Business Arrangements, Reselling, and Marketing of NMLS Approved Courses Internal Use Only such as way as to guarantee than an individual will pass an exam after completing the course. However, a provider may offer a “guarantee” to refund fees if a student fails to pass a test\\).\n    2.  All advertising is to be",
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        "Background and Reason for the Policy {#section_ekz_wxf_qgc .section}",
        "Definitions {#section_itf_csf_qgc .section}",
        "Course Provider Business Arrangement Standards {#section_lgc_jrf_qgc .section}",
        "Use of NMLS Name in Marketing {#section_spp_wpf_qgc .section}",
        "Non-Compliance with Business and/or Marketing Requirements {#section_apt_h5d_qgc .section}"
      ],
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      "title": "Policy on Business Arrangements, Reselling, and Marketing of NMLS Approved Courses {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7fa2 .concept}",
      "content": "antee than an individual will pass an exam after completing the course. However, a provider may offer a “guarantee” to refund fees if a student fails to pass a test\\).\n    2.  All advertising is to be conducted in a manner that is free of disparaging and/or negative language of any individual, organization, entity, or federal/state licensing requirement.\n    3.  All advertisements used to promote an NMLS approved course, including web sites, landing pages, ad banners, print marketing materials, direct mail, e-mail, brochures, etc., must clearly state the name of the course provider \\(as registered with NMLS\\) and must also include the name of the course, and the course ID number as approved by NMLS.\n    4.  Course provider web sites are to abide by best practices associated with maintaining a web presence/performing e-commerce to include listing on any web site where an NMLS approved course is listed the organization’s business address, phone number\\(s\\), contact e-mail address, privacy policy, refund policy, course cancellation and other applicable policies.\n    5.  Course providers may use the words “NMLS Approved” to market themselves only if they have completed the application process and in fact been approved and continue to remain in an approved status by NMLS. Course providers that have had their approval status suspended may not promote themselves as NMLS approved. \\(Note: effective July 1, 2011the “NMLS Approved Course Provider” logo was discontinued and is longer authorized for use.\\)\n    6.  Courses may be promoted using the words “NMLS Approved” and with the NMLS approved course logo \\(with embedded course number\\) only after the course provider has been approved to offer NMLS courses and only after the course has been reviewed and approved by NMLS.\n    7.  Courses may not be marketed or promoted as being NMLS approved until confirmation of approval has been received in writing \\(including electronic communication\\) from NMLS.\n    8.  NMLS only “approves",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\miscPolicies\\nmlsFS_policyResellingMarketingNMLSCourses.md",
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        "Policy on Business Arrangements, Reselling, and Marketing of NMLS Approved Courses {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7fa2 .concept}",
        "Purpose {#section_qwx_f5d_qgc .section}",
        "Background and Reason for the Policy {#section_ekz_wxf_qgc .section}",
        "Definitions {#section_itf_csf_qgc .section}",
        "Course Provider Business Arrangement Standards {#section_lgc_jrf_qgc .section}",
        "Use of NMLS Name in Marketing {#section_spp_wpf_qgc .section}",
        "Non-Compliance with Business and/or Marketing Requirements {#section_apt_h5d_qgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/miscPolicies/nmlsFS_policyResellingMarketingNMLSCourses.html",
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    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/miscPolicies/nmlsFS_policyResellingMarketingNMLSCourses.md:chunk-9",
      "title": "Policy on Business Arrangements, Reselling, and Marketing of NMLS Approved Courses {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7fa2 .concept}",
      "content": "Courses may not be marketed or promoted as being NMLS approved until confirmation of approval has been received in writing \\(including electronic communication\\) from NMLS.\n    8.  NMLS only “approves” course providers and courses. The word “accredited” is not to be used unless the provider or the course has in fact been accredited by a state or federal higher learning commission.\n    9.  The words “SAFE Approved” or any similarly worded phrase is not to be associated with the offering of any NMLS approved course since the SAFE Act itself does not approve providers or their courses.\n    10. The words “SAFE Act Compliant” may be used if a course has been submitted and has been approved by NMLS.\n\nB. Verification and Consumer Protection\n:   NMLS maintains on its web site a listing of course providers which have been approved to offer NMLS-approved courses. Industry professionals are encouraged to check this list prior 6 Policy on Business Arrangements, Reselling, and Marketing of NMLS Approved Courses Internal Use Only to enrolling in any PE or CE course to ensure that the course provider has been approved by NMLS to offer SAFE-compliant courses.\n\nC. Trademark Protection and Enforcement\n:   The Nationwide Multistate Licensing System, Nationwide Mortgage Licensing System, Nationwide Mortgage Licensing System & Registry, NMLS, NMLS-R, NMLS Approved, NMLS Reviewed, and the NMLS Approved course logo are all registered trademarks of the State Regulatory Registry, LLC. As such, the State Regulatory Registry will enforce and defend any use of its trademarks which is inconsistent with this policy.\n\n## Non-Compliance with Business and/or Marketing Requirements \n\nAn organization that fails to comply with NMLS business and/or marketing standards will be notified and will be required to take corrective action\\(s\\). Failure to remedy the problem in a timely or satisfactory manner may result in SRR to initiate action in a accordance with the Administrative Action Procedures for SAFE",
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        "Purpose {#section_qwx_f5d_qgc .section}",
        "Background and Reason for the Policy {#section_ekz_wxf_qgc .section}",
        "Definitions {#section_itf_csf_qgc .section}",
        "Course Provider Business Arrangement Standards {#section_lgc_jrf_qgc .section}",
        "Use of NMLS Name in Marketing {#section_spp_wpf_qgc .section}",
        "Non-Compliance with Business and/or Marketing Requirements {#section_apt_h5d_qgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/miscPolicies/nmlsFS_policyResellingMarketingNMLSCourses.html",
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      "id": "maps/NMLS/education/funcSpec/maps/topics/miscPolicies/nmlsFS_policyResellingMarketingNMLSCourses.md:chunk-10",
      "title": "Policy on Business Arrangements, Reselling, and Marketing of NMLS Approved Courses {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7fa2 .concept}",
      "content": "to take corrective action\\(s\\). Failure to remedy the problem in a timely or satisfactory manner may result in SRR to initiate action in a accordance with the Administrative Action Procedures for SAFE Act Education Requirements NMLS Approved Course Providers.\n\n**Parent topic:**Education Policies",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\miscPolicies\\nmlsFS_policyResellingMarketingNMLSCourses.md",
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        "Background and Reason for the Policy {#section_ekz_wxf_qgc .section}",
        "Definitions {#section_itf_csf_qgc .section}",
        "Course Provider Business Arrangement Standards {#section_lgc_jrf_qgc .section}",
        "Use of NMLS Name in Marketing {#section_spp_wpf_qgc .section}",
        "Non-Compliance with Business and/or Marketing Requirements {#section_apt_h5d_qgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/miscPolicies/nmlsFS_policyResellingMarketingNMLSCourses.html",
      "snippet": null
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    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_NMLScourseApproval.md:chunk-0",
      "title": "1.2 NMLS Course Approval {#nmlsFS_NMLScourseApproval .concept}",
      "content": "# 1.2 NMLS Course Approval \n\nIn situations where States, through the passage of their own SAFE Act legislation, have mandated that state-licensed MLOs complete additional hours of pre-licensure and/or continuing education that exceed the federal requirement; or in situations where states have mandated that a certain number of the 12 hours of electives associated with meeting the pre-licensure requirement or the 1 hour of elective associated with fulfilling the annual continuing education requirement, NMLS will, if the state so desires, approve these courses in cooperation with the respective state agency.\n\nFor example:\n\n## Example 1: State B \n\nState B requires the minimum SAFE Act requirements of 3 hours of federal law, 3 hours of ethics, 2 hours of nontraditional mortgage lending, 4 hours of state-specific mortgage law \\(taken from the 12 hours of undefined electives\\), and 8 hours of electives for a total of 20 hours. NMLS will approve the course.\n\n## Example 2: State C \n\nState C requires the minimum SAFE Act requirements of 3 hours of federal law, 3 hours of ethics, 2 hours of nontraditional mortgage lending, and 12 hours of undefined electives plus an additional four hours of state-specific mortgage lending law for a total of 24 hours. NMLS will approve the required 20 hours associated with meeting the federal SAFE Act requirements, AND, if the state so desires, NMLS will coordinate with the appropriate state agency for the approval of the additional hours of state-specific content.\n\n-   **1.2.1 Education Notices:**  \nNMLS posts Education Notices to inform course providers of state agency’s requirements for topics and time.\n-   **1.2.2 Course Peer Reviews with State Agencies:**  \nPeer review process by which NMLS invites state regulators to peer review course content and evaluations.\n\n**Parent topic:**Section 1: General Requirements for All Course Formats",
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      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_NMLScourseApproval.md",
      "headings": [
        "1.2 NMLS Course Approval {#nmlsFS_NMLScourseApproval .concept}",
        "Example 1: State B {#section_lxl_1qg_b2c .section}",
        "Example 2: State C {#section_vxf_bqg_b2c .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_NMLScourseApproval.html",
      "snippet": null
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    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_OIL_ROCS.md:chunk-0",
      "title": "4.7 Requirement for Issuance and Retention of Rules of Conduct for Students {#nmlsFS_OIL_ROCS .concept}",
      "content": "# 4.7 Requirement for Issuance and Retention of Rules of Conduct for Students \n\nPrior to the start of every NMLS approved course offering, every student must agree to the Rules of Conduct for Students \\(ROCS\\) V4. The Rules of Conduct, which are made available to course providers by NMLS, are required to be displayed and agreed to by students under the following conditions:\n\n4.7.1\n:   At the start of every online course \\(online instructor-led or online self-study\\), the student is required to read and acknowledge the ROCS as part of a click-through agreement that is to be incorporated into the LMS. The course provider is required to maintain a log of the student agreeing to the ROCS for a period of five \\(5\\) years.\n\n4.7.2\n:   The ROCS are also to be included as part of the cover page or a stand-alone second page of all course materials.\n\n**Parent topic:**Section 4: Specific Requirements for Online Instructor-Led \\(OIL\\) Courses",
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      "headings": [
        "4.7 Requirement for Issuance and Retention of Rules of Conduct for Students {#nmlsFS_OIL_ROCS .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_OIL_ROCS.html",
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    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_OIL_courseDesign.md:chunk-0",
      "title": "4.3 Course Design {#nmlsFS_OIL_courseDesign .concept}",
      "content": "# 4.3 Course Design \n\n4.3.1 module\n:   Every course \\(regardless of the number of hours\\) is to be designed with specific topics of learning broken down into logical content modules. For example, a 20 hour online-instructor-led course is to be broken down into modules \\(module topics are for illustration purposes only\\) [^1]\n\n    -   Module 1: Overview of Mortgage Lending\n    -   Module 2: Mortgage Lending Process\n    -   Module 3: Federal Lending Laws\n    -   Module 4: Types of Mortgages\n    -   etc.\n\n    **Note:** Even a 1 hour course is to be broken down into multiple modules with logical units of instruction. No single module courses will be approved.\n\n4.3.2 unit of instruction\n:   Modules are then broken down into specific units of instruction. Units of instruction are specific lessons or chunks of content that contribute to a greater understanding of the module. Modules will exist in a course regardless if the course is 1 hour or 20+ hours. For example:[^1]\n\n    -   Module 1: Overview of Mortgage Lending\n    -   Units of Instruction:\n    -   History of Mortgage Lending\n    -   Primary Mortgage Market\n    -   Secondary Mortgage Market\n    -   Government Sponsored Enterprises\n    -   Financial Crisis and the Current Status of Mortgage Industry etc.\n\n4.3.3 “Chunk” Information\n:   Units of instruction that are text heavy and require excessive scrolling are extremely difficult to read and can overwhelm a student. Instead of presenting text-heavy pages, content should be segmented into “chunks” of information that are easier to read and contribute to greater learning \\(Clark & Mayer, 2008\\). Content should be presented in chunks that are linked together either through a navigation paradigm like a content outline whereby each segment of information is accessed by clicking on a topic link or through a “continue” button found at the end of the segment. Chunking also applies to audio-video presentations. For example, an audio-video presentation discussing RESPA should b",
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      "headings": [
        "4.3 Course Design {#nmlsFS_OIL_courseDesign .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_OIL_courseDesign.html",
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      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_OIL_courseDesign.md:chunk-1",
      "title": "4.3 Course Design {#nmlsFS_OIL_courseDesign .concept}",
      "content": "g on a topic link or through a “continue” button found at the end of the segment. Chunking also applies to audio-video presentations. For example, an audio-video presentation discussing RESPA should be streamed for no more than 5 minutes and then stopped. The 5-minute audio-video segment should then be followed by an activity; for example, a poll, quiz or survey that the student is required to take before advancing to the next segment of the presentation.\n\n4.3.4 Text\n:   Text information contained within a module needs to be broken down or “chunked” to avoid presenting such a large amount of material that it is difficult to read or comprehend. Information pertaining to laws should be summarized with key points presented as distinct points with references made to the specific law or regulation. All references must be cited.\n\n4.3.5 Video\n:   Just like text information, video used in a module must also be “chunked.” Individual video segments are not to be more than 5 minutes in length \\(multiple videos may be used in a course, however, to work with the time-out requirements, no video segment may be longer than five minutes\\). Video should be supported by text calls-out or reinforce important points. All references are to be cited.\n\n4.3.6 Audio\n:   Audio files may also be employed in modules. Just like video, audio files are not to be more than 5 minutes in length. Where appropriate, audio files are to synch with any graphical \\(PowerPoint\\) presentation; care is to be taken to ensure that if the student replays the audio file that it remains synched with the presentation. Audio must be supported by the display of text to ensure the student is made aware of key points. References must be cited with the text.\n\n4.3.7 Employment of Quizzes\n:   It is strongly recommended that providers make use of quizzes as a means to ensure students are grasping the material. Quizzes provide a means by which students can measure their own understanding of key concepts. If employed, quizze",
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      "headings": [
        "4.3 Course Design {#nmlsFS_OIL_courseDesign .concept}"
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      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_OIL_courseDesign.html",
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    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_OIL_courseDesign.md:chunk-2",
      "title": "4.3 Course Design {#nmlsFS_OIL_courseDesign .concept}",
      "content": "roviders make use of quizzes as a means to ensure students are grasping the material. Quizzes provide a means by which students can measure their own understanding of key concepts. If employed, quizzes should be of sufficient rigor to ensure that the student has achieved a minimum level of proficiency and does not establish a false sense of accomplishment. See 1.10.3 Quizzes and Exams\n\n4.3.8 Requirement for End-of-Course Exam\n:   This course format requires an end-of-course exam in accordance with 1.13 Requirement for End-of-Course Assessment in General Requirements section.\n\n4.3.9 Requirement for Timing\n:   This course type must meet the same time requirements as classroom or classroom-equivalent \\(webinar\\) courses. For online instructor-led courses, time is determined based on the amount of time it takes several representative students to complete the course. To measure and determine time, the course provider is required to record and document the amount of time it takes a sampling of the intended audience to complete the course. *To ensure the requisite amount of time is being spent in the course, the time determination will be the fastest 10% of the sampling. In a student sampling of 10 students, 5 complete the course in 18 hours, 3 complete the course in 20 hours, and 2 complete the course in 17 hours, there is only 17 hours of course content. The course is short 3 hours and additional content and/or activities will be required for approval of a 20-hour course.*\n\n    Ten students are required for the course sampling. Recognizing that it may be difficult for a course provider to recruit the requisite number of students to validate the time requirement, a provider is to submit the course for approval. After the content and initial technical evaluation has been completed and major deficiencies have been addressed, the course will be granted a 30-day conditional approval to allow for the completion and validation of the time survey. During the 30-day conditional a",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_OIL_courseDesign.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_OIL_courseDesign.md",
      "headings": [
        "4.3 Course Design {#nmlsFS_OIL_courseDesign .concept}"
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      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_OIL_courseDesign.html",
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      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_OIL_courseDesign.md:chunk-3",
      "title": "4.3 Course Design {#nmlsFS_OIL_courseDesign .concept}",
      "content": "eted and major deficiencies have been addressed, the course will be granted a 30-day conditional approval to allow for the completion and validation of the time survey. During the 30-day conditional approval period, the course provider may not offer the course for credit to more than 10 students. The course may not continue to be offered if it fails to meet the time requirements.\n\n    **Note:** Course providers will be required to submit time logs for all students who completed the course at the time of annual course renewal and/or upon request.\n\n**Parent topic:**Section 4: Specific Requirements for Online Instructor-Led \\(OIL\\) Courses\n\n[^1]: This is an example only, no time is implied",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_OIL_courseDesign.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_OIL_courseDesign.md",
      "headings": [
        "4.3 Course Design {#nmlsFS_OIL_courseDesign .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_OIL_courseDesign.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_OIL_courseSched.md:chunk-0",
      "title": "4.2 Course Scheduling {#nmlsFS_OIL_courseSched .concept}",
      "content": "# 4.2 Course Scheduling \n\n**Online Instructor-led \\(online PE\\):** online instructor-led \\(online PE\\) courses are required to be designed and delivered such that the instructor leads the course with all students through instructor-to-student / student-to-student interaction.\n\nThis interactivity is required to be continual and obvious throughout the entire course. The delivery of an online PE course other than a state-specific PE course that is ten \\(10\\) hours or less in a self-study format is prohibited.\n\n**Note:** The availability of online instructor-led courses is intended to ensure an option exist for individuals where attending a classroom course may be problematic due to geography or lack of availability of a local course provider. *The scheduling of these courses is not intended to be a “convenience” option whereby a student can causally work at their own pace or when their schedule allows. Students taking these courses are required to allocate personal/professional time and put forth the same level of effort as would be required to complete a classroom or classroom equivalent course. __During the time period in which the course is being offered, instructors are required to hold students accountable for attendance and work, and must be responsive to student’s assignments and questions just as they would be in a physical classroom__.*\n\nCourse completion times must adhere to the following requirements:\n\n\\(a\\)\n:   An online instructor-led course that is five \\(5\\) or fewer hours may not extend longer than 12 hours from the course start time. For example, a 3 hour PE course that begins at 9am ET must be completed by 9pm ET the same day. All course completion requirements, reading, assignment, and student/instructor interaction is to be completed within this 12-hour period.\n\n\\(b\\)\n:   An online instructor-led course that is between six \\(6\\) to twelve \\(12\\) hours may not be scheduled to extend longer than 24 hours after the start time. For example, an 8 hour PE",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_OIL_courseSched.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_OIL_courseSched.md",
      "headings": [
        "4.2 Course Scheduling {#nmlsFS_OIL_courseSched .concept}",
        "Time Zone Consideration {#section_agc_nxh_22c .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_OIL_courseSched.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_OIL_courseSched.md:chunk-1",
      "title": "4.2 Course Scheduling {#nmlsFS_OIL_courseSched .concept}",
      "content": " period.\n\n\\(b\\)\n:   An online instructor-led course that is between six \\(6\\) to twelve \\(12\\) hours may not be scheduled to extend longer than 24 hours after the start time. For example, an 8 hour PE course that begins at 9am ET must be completed by 9am ET the next day. All course completion requirements, reading, assignment, and student/instructor interaction is to be completed within this 24-hour period.\n\n\\(c\\)\n:   An online instructor-led course that is thirteen \\(13\\) or more hours may not be scheduled to extend longer than 14 calendar days after the start time.\n\n\\(d\\)\n:   No PE course may be scheduled to extend for a period longer than those listed above without prior approval from NMLS.\n\n## Time Zone Consideration \n\nNMLS understands that some course providers may offer courses to students who are participating from multiple time zones. Course providers need to consider this fact, schedule start time accordingly, and set student and instructor expectations such that all assignment and student-to-student and instructor-to-student interaction can be completed within the required time.\n\n**Parent topic:**Section 4: Specific Requirements for Online Instructor-Led \\(OIL\\) Courses",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_OIL_courseSched.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_OIL_courseSched.md",
      "headings": [
        "4.2 Course Scheduling {#nmlsFS_OIL_courseSched .concept}",
        "Time Zone Consideration {#section_agc_nxh_22c .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_OIL_courseSched.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_OILinteraction.md:chunk-0",
      "title": "4.4 Interaction {#nmlsFS_OILinteraction .concept}",
      "content": "# 4.4 Interaction \n\nFor an online instructor-led course to achieve and maintain NMLS approval, the course must be designed such that instructor-to-student interaction and student-to-student interaction is continual and obvious throughout the entire course.\n\nThe intent of the online instructor-led format is for an instructor to lead and maintain a dialogue with students through the entire course such that the instructor is facilitating substantive discussions, asking and responding to questions, and providing in-depth and knowledgeable feedback to posting and/or other assignment/activities.\n\n**Tip:** One way to meet the instructor-to-student interaction requirement and provide a positive experience for students is to have instructor-graded assignments. Students value constructive feedback and providing such feedback supports the requirement for instructor-to-student interaction since it is traceable and measurable.\n\n4.4.1 Mandatory Internal Dialog\n:   All instructor-to-student interaction is required to occur within the LMS or on a blog where it can be observed by NMLS. The employment of external email, “office hours” or other means of instructor-to-student interaction does is not considered persistent instruction and interaction between the student and instructor and therefore will not be considered for course approval.\n\n4.4.2 Synchronous Activity Times\n:   If there is a requirement for students to be logged into the LMS at a specific time for a live chat discussion or other synchronous activities, then these times need to be noted in the syllabus as well as be posted on the welcome page of the LMS. When scheduling synchronous activities, instructors need to be sensitive to time zones and be aware that some students may be participating in the course from multiple geographic regions. Accordingly, instructors should be careful to avoid scheduling an activity that will begin at 8am EST that would require a student in California to participate in the activity at 5am PS",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_OILinteraction.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_OILinteraction.md",
      "headings": [
        "4.4 Interaction {#nmlsFS_OILinteraction .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_OILinteraction.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_OILinteraction.md:chunk-1",
      "title": "4.4 Interaction {#nmlsFS_OILinteraction .concept}",
      "content": "aphic regions. Accordingly, instructors should be careful to avoid scheduling an activity that will begin at 8am EST that would require a student in California to participate in the activity at 5am PST.\n\n4.4.3 Locking of Modules and Facilitating Student Course Progression\n:   The LMS is to be configured so that a student cannot “blow through” the course. Modules are to be locked such that a student cannot advance to the next module without completing all assignments/requirements of the previous module. Since these are instructor-led courses which require instructor-to-student/student-to-student interaction, students are to progress through the course in a linear fashion as outlined in the course syllabus and are required to complete the course no earlier than the course offering date.\n\n**Parent topic:**Section 4: Specific Requirements for Online Instructor-Led \\(OIL\\) Courses",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_OILinteraction.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_OILinteraction.md",
      "headings": [
        "4.4 Interaction {#nmlsFS_OILinteraction .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_OILinteraction.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_OILreqs.md:chunk-0",
      "title": "Section 4: Specific Requirements for Online Instructor-Led \\(OIL\\) Courses {#nmlsFS_OILreqs .concept}",
      "content": "# Section 4: Specific Requirements for Online Instructor-Led \\(OIL\\) Courses \n\nThe online instructor led format is reserved for prelicensure education with the exception of prelicensure state-specific courses that are ten \\(10\\) hours or less which must be offered in the online self-study \\(OSS\\) format.\n\nPrior to reviewing the requirements for the specific course format, please ensure that all requirements are met as listed in Section 1: General Requirements for All Course Formats.\n\n-   **4.1 General Course Set-up**  \nAny course delivered in an online format is required to use a learning management system. The learning management system must ensure that the students are presented information in an organized and effective matter.\n-   **4.2 Course Scheduling**  \n**Online Instructor-led \\(online PE\\):** online instructor-led \\(online PE\\) courses are required to be designed and delivered such that the instructor leads the course with all students through instructor-to-student / student-to-student interaction.\n-   **4.3 Course Design**  \n\n-   **4.4 Interaction**  \nFor an online instructor-led course to achieve and maintain NMLS approval, the course must be designed such that instructor-to-student interaction and student-to-student interaction is continual and obvious throughout the entire course.\n-   **4.5 Technical Evaluation Required for Final Course Approval**  \nIn order to have a course approved in the online instructor led format, the course provider must demonstrate to NMLS that the course contains all the required features and that the instruction will be carried out in accordance with the functional specifications.\n-   **4.6 Special Technical Considerations**  \nCourse providers must to be sensitive to the following when delivering instruction:\n-   **4.7 Requirement for Issuance and Retention of Rules of Conduct for Students**  \nPrior to the start of every NMLS approved course offering, every student must agree to the Rules of Conduct for Students \\(ROCS\\) V4. T",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_OILreqs.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_OILreqs.md",
      "headings": [
        "Section 4: Specific Requirements for Online Instructor-Led \\(OIL\\) Courses {#nmlsFS_OILreqs .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_OILreqs.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_OILreqs.md:chunk-1",
      "title": "Section 4: Specific Requirements for Online Instructor-Led \\(OIL\\) Courses {#nmlsFS_OILreqs .concept}",
      "content": " for Issuance and Retention of Rules of Conduct for Students**  \nPrior to the start of every NMLS approved course offering, every student must agree to the Rules of Conduct for Students \\(ROCS\\) V4. The Rules of Conduct, which are made available to course providers by NMLS, are required to be displayed and agreed to by students under the following conditions:\n\n**Parent topic:**Functional Specifications for All NMLS Approved Courses \\(version 17\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_OILreqs.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_OILreqs.md",
      "headings": [
        "Section 4: Specific Requirements for Online Instructor-Led \\(OIL\\) Courses {#nmlsFS_OILreqs .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_OILreqs.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_OILspecialTech.md:chunk-0",
      "title": "4.6 Special Technical Considerations {#nmlsFS_OILspecialTech .concept}",
      "content": "# 4.6 Special Technical Considerations \n\nCourse providers must to be sensitive to the following when delivering instruction:\n\n4.6.1 PC and Mac Compliant Software\n:   The course provider needs to ensure that whatever technology is being employed are both PC and Mac compliant. For example, if the technology is Mac compliant only, then the student needs to be made aware of this prior to enrolling in the course.\n\n4.6.2 Browser Considerations\n:   The course provider needs to ensure that the technology works on all common browsers. Should the required technology not work with a browser or if the browser requires a plug-in or other configuration \\(i.e. disabling pop-up blockers\\), then the student must be made aware of the requirement PRIOR to the start of the course.\n\n**Parent topic:**Section 4: Specific Requirements for Online Instructor-Led \\(OIL\\) Courses",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_OILspecialTech.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_OILspecialTech.md",
      "headings": [
        "4.6 Special Technical Considerations {#nmlsFS_OILspecialTech .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_OILspecialTech.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_OILtechEvalFinalCourseApproval.md:chunk-0",
      "title": "4.5 Technical Evaluation Required for Final Course Approval {#nmlsFS_OILtechEvalFinalCourseApproval .concept}",
      "content": "# 4.5 Technical Evaluation Required for Final Course Approval \n\nIn order to have a course approved in the online instructor led format, the course provider must demonstrate to NMLS that the course contains all the required features and that the instruction will be carried out in accordance with the functional specifications.\n\nNMLS may also require that the online course go through a technical evaluation during a live offering to receive final course approval. During the technical evaluation, course evaluators will review the course to ensure it is being delivered in accordance with this function specification document. The course evaluator\\(s\\) will also review the course to ensure instruction is being delivered in accordance with the course syllabus and will verify that the learning management system is configured correctly. Evaluators will also verify instructor-to-student and student-to-student interaction is occurring, and that the course has sufficient rigor.\n\nThe technical evaluation will occur only after the course has received conditional approval. The technical evaluation will be performed at the same time the course is undergoing the time study verification as described in 4.3.9 Requirement for Timing. To facilitate a comprehensive view of the course, the course provider is required to provide NMLS with both a student and an instructor \\(or administrative\\) login for the course. The student login is to enable the course evaluator\\(s\\) to view the course from the student’s perspective and to verify that an instructor is leading it, and activities are occurring in accordance with the course syllabus. The instructor login will enable the evaluator to login into the course to verify information/activities have occurred \\(and at what level\\) without having to wait for modules to unlock.\n\n**Parent topic:**Section 4: Specific Requirements for Online Instructor-Led \\(OIL\\) Courses",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_OILtechEvalFinalCourseApproval.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_OILtechEvalFinalCourseApproval.md",
      "headings": [
        "4.5 Technical Evaluation Required for Final Course Approval {#nmlsFS_OILtechEvalFinalCourseApproval .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_OILtechEvalFinalCourseApproval.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_OSS_IDAuth.md:chunk-0",
      "title": "5.6 Requirement for Identity Authentication {#nmlsFS_OSS_IDAuth .concept}",
      "content": "# 5.6 Requirement for Identity Authentication \n\nEffective August 21, 2017, every online self-study course must have BioSig-ID authentication integrated as a condition for NMLS approval.\n\nPlease contact NMLS at nmls.ed1@csbs.org for the BSI Interface Specifications.\n\n**Parent topic:**Section 5: Specific Requirements for Online Self-Study \\(OSS\\) Courses",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_OSS_IDAuth.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_OSS_IDAuth.md",
      "headings": [
        "5.6 Requirement for Identity Authentication {#nmlsFS_OSS_IDAuth .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_OSS_IDAuth.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_OSS_ROCS.md:chunk-0",
      "title": "5.5 Requirement for Issuance and Retention of Rules of Conduct for Students {#nmlsFS_OSS_ROCS .concept}",
      "content": "# 5.5 Requirement for Issuance and Retention of Rules of Conduct for Students \n\nPrior to the start of every NMLS approved course offering, every student must agree to the Rules of Conduct for Students \\(ROCS\\) V4. The Rules of Conduct, which are made available to course providers by NMLS, are required to be displayed and agreed to by students under the following conditions:\n\n5.5.1\n:   At the start of every online course \\(online instructor-led or online self-study\\), the student is required to read and acknowledge the ROCS as part of a click-through agreement that is to be incorporated into the LMS. The course provider is required to maintain a log of the student agreeing to the ROCS for a period of five \\(5\\) years.\n\n5.5.2\n:   The ROCS are also to be included as part of the cover page or a stand-alone second page of all course materials.\n\n**Parent topic:**Section 5: Specific Requirements for Online Self-Study \\(OSS\\) Courses",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_OSS_ROCS.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_OSS_ROCS.md",
      "headings": [
        "5.5 Requirement for Issuance and Retention of Rules of Conduct for Students {#nmlsFS_OSS_ROCS .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_OSS_ROCS.html",
      "snippet": null
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    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_OSS_courseDesign.md:chunk-0",
      "title": "5.2 Course Design {#nmlsFS_OSS_courseDesign .concept}",
      "content": "# 5.2 Course Design \n\n5.2.1 module\n:   Every course, regardless of the number of hours, is to be designed with specific topics of learning broken down into logical content modules. For example, an 8-hour self-paced course is required to be broken down into the following modules [^1]\n\n    -   Module 1: Updated Federal Lending Laws\n    -   Module 2: Contemplated Changes to the GFE\n    -   Module 3: FHA Update\n    -   Module 4: Trends in Mortgage Fraud\n    -   etc.\n\n    **Note:** Even a 1-hour course is to be broken down into logical units of instruction. No single module courses will be approved.\n\n5.2.2 unit of instruction\n:   Modules are then broken down into specific units of instruction. Units of instruction are specific lessons or chunks of content that contribute to a greater understanding of the module. For example: [^1]\n\n    -   Module 1: Update to Federal Lending Laws\n    -   Units of Instruction:\n    -   Loan Officer Compensation\n    -   Understanding YSP\n    -   Key Reminders Concerning RESPA\n\n5.2.3 “Chunk” Information:\n:   Pages that are text heavy and require excessive scrolling are extremely difficult to read and can overwhelm a student. Instead of presenting text-heavy pages, content needs to be segmented into “chunks” of information that are easier to read and contribute to greater learning \\(Clark & Mayer, 2008\\). Content needs be presented in chunks that are linked together either through a navigation paradigm similar to a content outline whereby each segment of information is accessed by clicking on a topic link or through a **continue** button found at the end of the segment. Chunking also applies to audio-video presentations. For example, an audio-video presentation discussing RESPA should be streamed for 5 minutes and then stopped. The 5-minute audio-video segment should then be followed by an activity; for example, a poll, quiz or survey that the student is required to take before advancing to the next segment of the presentation.\n\n5.2.4 Text\n:  ",
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      "headings": [
        "5.2 Course Design {#nmlsFS_OSS_courseDesign .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_OSS_courseDesign.html",
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    {
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      "title": "5.2 Course Design {#nmlsFS_OSS_courseDesign .concept}",
      "content": "video segment should then be followed by an activity; for example, a poll, quiz or survey that the student is required to take before advancing to the next segment of the presentation.\n\n5.2.4 Text\n:   Text information contained within a module needs to be broken down or “chunked” to avoid presenting such a large amount of material that it is difficult to read or comprehend. Information pertaining to laws should be summarized with key points presented in bullet format or as distinct points with references made to the specific law or regulation. All references must be cited.\n\n5.2.5 Video\n:   Video used in a module must also be “chunked.” Individual video segments are not to be more than 5 minutes in length \\(multiple videos may be used in a course, however, to work with the time-out requirements, no video segment may be longer than five minutes\\). Video should be supported by text calls-out or reinforce important points. All references are to be cited.\n\n5.2.6 Audio\n:   Audio files may also be employed in modules. Just like video, audio files are not to be more than 5 minutes in length. Where appropriate, audio files are to synch with any graphical \\(PowerPoint\\) presentation; care is to be taken to ensure that if the student replays the audio file that it remains synched with the presentation. Audio must be supported by the display of text to ensure the student is made aware of key points. References must be cited with the text.\n\n5.2.7 Approved Untimed Activities\n:   Certain untimed activities may be utilized in modules. A maximum of two untimed activities may be included for each hour of approved credit, with a maximum of five minutes per activity counting towards the amount of credit granted. Examples include but are not limited to on-line field trips, case studies, and learning games. Providers must include methods to ensure the rigor of the activity and student comprehension through quizzes or other appropriate methods of assessing understanding.\n\n5.2.8 Requiremen",
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      "headings": [
        "5.2 Course Design {#nmlsFS_OSS_courseDesign .concept}"
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      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_OSS_courseDesign.html",
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      "title": "5.2 Course Design {#nmlsFS_OSS_courseDesign .concept}",
      "content": " learning games. Providers must include methods to ensure the rigor of the activity and student comprehension through quizzes or other appropriate methods of assessing understanding.\n\n5.2.8 Requirement for Quizzes\n:   Each module must include a quiz specific to the stated learning objectives. The quizzes are to be of sufficient rigor to ensure that the student has achieved a minimum level of proficiency. Also, see 1.10.3 Quizzes and Exams in the General Requirements section.\n\n    5.2.8.1\n    :   Quizzes are to be no less than three \\(3\\) questions for a module that is 10 or fewer minutes in length, and between five \\(5\\) and ten \\(10\\) question for a module that is greater than 10 minutes. Questions are not to contain True/False questions.\n\n    5.2.8.2\n    :   Quiz question bank must contain a 2:1 ratio of questions.\n\n    5.2.8.3\n    :   Students are required to pass the quiz before being allowed to advance to the next module. Course providers are to determine a reasonable passing score based on the number of questions in the quiz. Students who are required to retake the quiz are to be presented with a high percentage of different questions in a randomized order.\n\n    5.2.8.4\n    :   Students are to be informed if they select a wrong answer. Quizzes are to be constructed such that the student cannot blow through the quiz only to retrieve the correct answers so that they can quickly pass it again on a subsequent attempt.\n\n5.2.9 Requirement for End-of-Course Exam:\n:   This course format requires an end-of-course exam in accordance with 1.13 Requirement for End-of-Course Assessment in the General Requirements section.\n\n    **Note:** The final exam for PE state specific courses ten \\(10\\) hours or less require a higher number of questions.\n\n**Parent topic:**Section 5: Specific Requirements for Online Self-Study \\(OSS\\) Courses\n\n[^1]: Topics are for illustrative purposes only and do not imply any sense of time.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_OSS_courseDesign.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_OSS_courseDesign.md",
      "headings": [
        "5.2 Course Design {#nmlsFS_OSS_courseDesign .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_OSS_courseDesign.html",
      "snippet": null
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    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_OSS_courseDesign.md:chunk-3",
      "title": "5.2 Course Design {#nmlsFS_OSS_courseDesign .concept}",
      "content": "fic Requirements for Online Self-Study \\(OSS\\) Courses\n\n[^1]: Topics are for illustrative purposes only and do not imply any sense of time.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_OSS_courseDesign.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_OSS_courseDesign.md",
      "headings": [
        "5.2 Course Design {#nmlsFS_OSS_courseDesign .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_OSS_courseDesign.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_OSS_genCourseSetup.md:chunk-0",
      "title": "5.1 General Course Set-up {#nmlsFS_OSS_genCourseSetup .concept}",
      "content": "# 5.1 General Course Set-up \n\nAny course delivered in an online format is required to use a learning management system. The learning management system must ensure that the students are presented information in an organized and effective matter.\n\nAppendix A: List of Online Learning Activities for PE Courses has a list of the technical tools within the standard learning management system. For course approval, all courses submitted for approval in this format must have an learning management system with the following requirements:\n\n\\(a\\)\n:   The ability to allow students and instructors to log in to the system with a user ID and a password.\n\n\\(b\\)\n:   The ability to implement personal identification requirement\n\n\\(c\\)\n:   The capability to administer a test/quiz in multiple formats, e.g., true / false, multiple choice, and/or fill-in-the-blank.\n\n\\(d\\)\n:   Enables the course administrator to track a student’s time engaged with the course materials, units of instruction and assignments/activities to ensure the student’s time in the course and/or time on each subject such meets or exceeds the required time in course as required by the **SAFE Act** and/or State law.\n\n\\(e\\)\n:   Deliver content in an organized manner.\n\n\\(f\\)\n:   Provide a report of student progress and course completions.\n\n\\(g\\)\n:   Provide students with a visual indicator as to their progress through the course.\n\n\\(h\\)\n:   Allow the student to stop, log-out, and then log back in to resume the course where they left off \\(“bookmarking”\\).\n\n\\(I\\)\n:   Stop the progression of course time while the student is not interactive with the course material. Students cannot accumulate time for simply being in the course nor should a student accumulate time while not engaged in some form of interaction unless specifically allowed under 5.2.7 Approved Untimed Activities.\n\n\\(j\\)\n:   Allow the student to access completed modules to review the content for a reasonable period of time as determined by the provider.\n\n\\(k\\)\n:   ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_OSS_genCourseSetup.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_OSS_genCourseSetup.md",
      "headings": [
        "5.1 General Course Set-up {#nmlsFS_OSS_genCourseSetup .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_OSS_genCourseSetup.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_OSS_genCourseSetup.md:chunk-1",
      "title": "5.1 General Course Set-up {#nmlsFS_OSS_genCourseSetup .concept}",
      "content": "lowed under 5.2.7 Approved Untimed Activities.\n\n\\(j\\)\n:   Allow the student to access completed modules to review the content for a reasonable period of time as determined by the provider.\n\n\\(k\\)\n:   Allow students the ability to retake quizzes and final exams for a reasonable number of times as determined by the course provider.\n\n\\(l\\)\n:   Support delivery of different content formats e.g. text, PowerPoint, and streaming video and/or audio.\n\n\\(m\\)\n:   The learning management system should be able to be accessed using common Web browsers like Internet Explorer, Firefox, and Safari.\n\n\\(n\\)\n:   Provide access to course material via the Internet 24 hours a day / 7 days a week.\n\n**Parent topic:**Section 5: Specific Requirements for Online Self-Study \\(OSS\\) Courses",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_OSS_genCourseSetup.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_OSS_genCourseSetup.md",
      "headings": [
        "5.1 General Course Set-up {#nmlsFS_OSS_genCourseSetup .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_OSS_genCourseSetup.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_OSS_genReq.md:chunk-0",
      "title": "Section 5: Specific Requirements for Online Self-Study \\(OSS\\) Courses {#nmlsFS_OSS_genReq .concept}",
      "content": "# Section 5: Specific Requirements for Online Self-Study \\(OSS\\) Courses \n\nThe online self-study format is reserved for CE courses and PE state-specific courses that are ten \\(10\\) hours or less in length.\n\nPrior to reviewing the requirements for the specific course format, please ensure that all requirements are met as listed in Section 1: General Requirements for All Course Formats.\n\n-   **5.1 General Course Set-up**  \nAny course delivered in an online format is required to use a learning management system. The learning management system must ensure that the students are presented information in an organized and effective matter.\n-   **5.2 Course Design**  \n\n-   **5.3 Time Requirements**  \nEvery course is to be designed such that it contains enough content and/or activities to meet the minimum time requirement of 50 seat minutes for each clock hour the course is approved.\n-   **5.4 Special Technical Considerations**  \nCourse providers must to be sensitive to the following when delivering instruction:\n-   **5.5 Requirement for Issuance and Retention of Rules of Conduct for Students**  \nPrior to the start of every NMLS approved course offering, every student must agree to the Rules of Conduct for Students \\(ROCS\\) V4. The Rules of Conduct, which are made available to course providers by NMLS, are required to be displayed and agreed to by students under the following conditions:\n-   **5.6 Requirement for Identity Authentication**  \nEffective August 21, 2017, every online self-study course must have BioSig-ID authentication integrated as a condition for NMLS approval.\n\n**Parent topic:**Functional Specifications for All NMLS Approved Courses \\(version 17\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_OSS_genReq.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_OSS_genReq.md",
      "headings": [
        "Section 5: Specific Requirements for Online Self-Study \\(OSS\\) Courses {#nmlsFS_OSS_genReq .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_OSS_genReq.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_OSS_techConsideration.md:chunk-0",
      "title": "5.4 Special Technical Considerations {#nmlsFS_OSS_techConsideration .concept}",
      "content": "# 5.4 Special Technical Considerations \n\nCourse providers must to be sensitive to the following when delivering instruction:\n\n5.4.1 PC and Mac Compliant Software:\n:   The course provider needs to ensure that whatever technology is being employed are both PC and Mac compliant. For example, if the technology is Mac compliant only, then the student needs to be made aware of this prior to enrolling in the course.\n\n5.4.2 Browser Considerations:\n:   The course provider needs to ensure that the technology works on all common browsers. Should the required technology not work with a browser or if the browser requires a plug-in or other configuration \\(i.e. disabling pop-up blockers\\), then the student must be made aware of the requirement PRIOR to the start of the course.\n\n**Parent topic:**Section 5: Specific Requirements for Online Self-Study \\(OSS\\) Courses",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_OSS_techConsideration.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_OSS_techConsideration.md",
      "headings": [
        "5.4 Special Technical Considerations {#nmlsFS_OSS_techConsideration .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_OSS_techConsideration.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_OSS_timeReq.md:chunk-0",
      "title": "5.3 Time Requirements {#nmlsFS_OSS_timeReq .concept}",
      "content": "# 5.3 Time Requirements \n\nEvery course is to be designed such that it contains enough content and/or activities to meet the minimum time requirement of 50 seat minutes for each clock hour the course is approved.\n\nTo ensure instruction meets the time requirements associated with the **SAFE Act**, the following is required:\n\n5.3.1 Mandatory Log-out for Inactivity\n:   A course must log students completely out of the course after six \\(6\\) minutes of inactivity. The timer must be a background function that is set to time out at six \\(6\\) minutes when the student is not actively engaged in the course. Active engagement is defined as progressing through the course by reading text, watching streaming content \\(note that steaming content is not to extend for longer than five \\(5\\) minutes\\), and completing activities. **The course is to be configured such that the student is not presented with a time-out warning.** If the student is logged out for lack of interactivity, the student is to be returned to the start of the unit of instruction where the inactivity was detected. No time is to be awarded for any time that accrued in the unit of instruction prior to the course logout.\n\n5.3.2 Prevention of blow through\n:   The course provider is responsible for designing and delivering the course in such a way that the student is prevented from “blowing through” or being able to “game” the course or any of its components by any means that will thwart the regulatory intention of pre-licensing education or continuing education.\n\n5.3.3 Locking of Course Modules\n:   To further prevent a student from “blowing through” the course, the learning management system is to be configured such that course modules are “locked.” This means the student is required to advance through the course in a linear fashion, starting with the first module, and cannot advance to any subsequent module until the previous module \\(and all associated activities\\) has been completed.\n\n5.3.4 Minimum Course Time\n:   A",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_OSS_timeReq.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_OSS_timeReq.md",
      "headings": [
        "5.3 Time Requirements {#nmlsFS_OSS_timeReq .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_OSS_timeReq.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_OSS_timeReq.md:chunk-1",
      "title": "5.3 Time Requirements {#nmlsFS_OSS_timeReq .concept}",
      "content": "ar fashion, starting with the first module, and cannot advance to any subsequent module until the previous module \\(and all associated activities\\) has been completed.\n\n5.3.4 Minimum Course Time\n:   A course must meet the topical time requirements as specified in the **SAFE Act**. In order to ensure that the minimum time is met for all units of instruction, any information presented to the student, either via text, video, or audio, is to be of sufficient length to ensure it meets time requirements. The minimum time of each unit of instruction must, when combined with other units of instruction, meet the minimum time for which the course has been approved.\n\n    The timer must be utilized to ensure that the student does not blow through course material and spend dead time at the end of a module or the course. The timer is to ensure that the student is engaged in the course material at all times. **The timer is not to be set so that audio and/or slides used in the course are read/delivered at an exceptionally slow pace; such course delivery demonstrates a lack of content and creates an unfriendly user experience for the student.**\n\n    As part of the approval process, NMLS will employ various measures in an attempt to ensure there is enough content and activities to support the number of hours approval is being sought.\n\n5.3.5 Course Scheduling\n:   Unlike other NMLS approved course format, online-self-paced courses do not have a fixed start date or end date. Course providers must pay close attention to their course completion reports since beginning in 2010 many mortgage loan originators must complete continuing education by the last day of the calendar year. Accordingly, a CE course should not extend beyond December 31 of any year or the student will be unable to complete the course within the required calendar year as required by state law. Course providers should also take into consideration the administrative time required to perform credit banking. All course provi",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_OSS_timeReq.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_OSS_timeReq.md",
      "headings": [
        "5.3 Time Requirements {#nmlsFS_OSS_timeReq .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_OSS_timeReq.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_OSS_timeReq.md:chunk-2",
      "title": "5.3 Time Requirements {#nmlsFS_OSS_timeReq .concept}",
      "content": "the course within the required calendar year as required by state law. Course providers should also take into consideration the administrative time required to perform credit banking. All course providers are required to report course completions to NMLS within seven \\(7\\) calendar days of the course completion date.\n\n**Parent topic:**Section 5: Specific Requirements for Online Self-Study \\(OSS\\) Courses",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_OSS_timeReq.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_OSS_timeReq.md",
      "headings": [
        "5.3 Time Requirements {#nmlsFS_OSS_timeReq .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_OSS_timeReq.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_ROCSreq.md:chunk-0",
      "title": "1.15 Requirement for Issuance and Retention of Rules of Conduct for Students {#nmlsFS_ROCSreq .concept}",
      "content": "# 1.15 Requirement for Issuance and Retention of Rules of Conduct for Students \n\nCourse providers are required to display and have students agree to the Rules of Conduct for Students \\(ROCS\\) V4.\n\nThe ROCS, which will be made available to course providers by NMLS, are required to be displayed and agreed to by students under the following conditions:\n\n-   At the start of every classroom and classroom equivalent \\(webinar\\) course, the instructor or the course facilitator is required to explain the Rules of Conduct. The student is required to sign the ROCS at the start of the course or as part of the course registration process. The course provider is required to retain a signed copy of the ROCS for five \\(5\\) years.\n-   The ROCS is also to be included as part of the cover page or a stand-alone second page on all course materials.\n-   At the start of every online course \\(online instructor-led or online self-study\\), the student is required to read and acknowledge the ROCS as part of a click-through agreement that is to be incorporated into the LMS. The course provider is required to maintain a log of the student agreeing to the ROCS for a period of five \\(5\\) years.\n\n**Parent topic:**Section 1: General Requirements for All Course Formats",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_ROCSreq.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_ROCSreq.md",
      "headings": [
        "1.15 Requirement for Issuance and Retention of Rules of Conduct for Students {#nmlsFS_ROCSreq .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_ROCSreq.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_SAFEactEdReqa.md:chunk-0",
      "title": "1.1 SAFE Act Education Requirements {#nmlsFS_SAFEactEdReqa .concept}",
      "content": "# 1.1 SAFE Act Education Requirements \n\nThe Secure and Fair Enforcement for Mortgage Licensing Act of 2008 \\(SAFE Act\\) requires that state-licensed mortgage loan originators \\(MLOs\\) complete pre-licensure and annual continuing education.\n\nIn order to meet pre-licensure continuing education requirements, state-licensed MLOs must complete 20 hours of NMLS-approved education that includes the following topics:\n\n-   3 hours of federal law and regulations;\n-   3 hours of ethics, this shall include instruction on fraud, consumer protection, and fair lending issues;\n-   2 hours of training related to lending standards for the nontraditional mortgage product marketplace; and\n-   12 hours of undefined instruction on mortgage origination.\n\nFor annual continuing education, the SAFE Act requires state-licensed MLOs to complete 8 hours of NMLS-approved education that includes the following topics:\n\n-   3 hours of federal law and regulations;\n-   2 hours of ethics that shall include instruction on fraud, consumer protection, and fair lending issues;\n-   2 hours of training related to lending standards for the nontraditional mortgage product market; and\n-   1 hour of undefined instruction on mortgage origination.\n\nIt should be noted that the SAFE Act’s requirement for state-licensed MLOs to complete 20 hours of pre-licensure education and 8 hours of annual continuing education is a minimum standard and that individual States, through the passage of their own SAFE legislation, may require MLOs to complete a greater number of hours of education as a condition to be licensed in that state. Additionally, for the 12 hours of undefined instruction \\(commonly referred to as “electives”\\), a state may also require that a certain number of those hours be state-required instruction. The same requirement may also apply for the 1 hour of undefined instruction required for annual continuing education.\n\nThe following scenarios are examples for how pre-licensure education could potentially be ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_SAFEactEdReqa.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_SAFEactEdReqa.md",
      "headings": [
        "1.1 SAFE Act Education Requirements {#nmlsFS_SAFEactEdReqa .concept}",
        "Scenario 1: State A {#section_ir1_3df_b2c .section}",
        "Scenario 2: State B {#section_l4t_3df_b2c .section}",
        "Scenario 3: State C {#section_amg_jdf_b2c .section}",
        "Scenario 4: State D {#section_b1z_jdf_b2c .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_SAFEactEdReqa.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_SAFEactEdReqa.md:chunk-1",
      "title": "1.1 SAFE Act Education Requirements {#nmlsFS_SAFEactEdReqa .concept}",
      "content": "requirement may also apply for the 1 hour of undefined instruction required for annual continuing education.\n\nThe following scenarios are examples for how pre-licensure education could potentially be configured:\n\n## Scenario 1: State A \n\nState A may require the minimum SAFE Act requirements of 3 hours of federal law, 3 hours of ethics, 2 hours of nontraditional mortgage lending and 12 hours of electives for a total of 20 hours.\n\n## Scenario 2: State B \n\nState B may require the minimum SAFE Act requirements of 3 hours of federal law, 3 hours of ethics, 2 hours of nontraditional mortgage lending, 4 hours of state-specific mortgage law \\(taken from the 12 hours of undefined electives\\), and 8 hours of electives for a total of 20 hours.\n\n## Scenario 3: State C \n\nState C may require the minimum SAFE Act requirements of 3 hours of federal law, 3 hours of ethics, 2 hours of nontraditional mortgage lending and 12 hours of undefined electives, plus an additional four hours of state-specific mortgage lending law for a total of 24 hours.\n\n## Scenario 4: State D \n\nState D may require the minimum SAFE Act requirements of 3 hours of federal law, 3 hours of ethics, 2 hours of nontraditional mortgage lending, and 3 hours of state-specific mortgage industry regulation \\(taken from the 12 hours of undefined electives\\), 9 hours of electives, plus an additional four hours of state-specific mortgage lending law for a total of 24 hours of education.\n\n**Parent topic:**Section 1: General Requirements for All Course Formats",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_SAFEactEdReqa.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_SAFEactEdReqa.md",
      "headings": [
        "1.1 SAFE Act Education Requirements {#nmlsFS_SAFEactEdReqa .concept}",
        "Scenario 1: State A {#section_ir1_3df_b2c .section}",
        "Scenario 2: State B {#section_l4t_3df_b2c .section}",
        "Scenario 3: State C {#section_amg_jdf_b2c .section}",
        "Scenario 4: State D {#section_b1z_jdf_b2c .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_SAFEactEdReqa.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_appendices.md:chunk-0",
      "title": "Reference {#nmlsFS_appendices .concept}",
      "content": "# Reference \n\n-   **Appendix A: List of Online Learning Activities for PE Courses**  \nThe following is a fairly comprehensive list of online learning activities that course providers may want to consider as part of building interactivity and instructor facilitation into their online courses.\n-   **Appendix B: Case Studies Guidance**  \n\n-   **NMLS Education Terms**  \n\n-   **Reference Guide: Citing Sources and Regulations in Course Materials**  \nBelow is a list of commonly referenced federal laws and regulations with an example of an acceptable citation. The below list is not intended to be all-inclusive and depending on the law/regulation you may need to provide more specific information.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_appendices.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_appendices.md",
      "headings": [
        "Reference {#nmlsFS_appendices .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_appendices.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_appendixA.md:chunk-0",
      "title": "Appendix A: List of Online Learning Activities for PE Courses {#nmlsFS_appendixA .concept}",
      "content": "# Appendix A: List of Online Learning Activities for PE Courses \n\nThe following is a fairly comprehensive list of online learning activities that course providers may want to consider as part of building interactivity and instructor facilitation into their online courses.\n\nThe activities described were taken from a text written by Curtis J. Bonk and Ke Zhang titled **Empowering Online Learning: 100+ Activities for Reading, Reflecting, Displaying, & Doing \\(2008\\)** and are used with permission from the authors.\n\n|Activity|Description|Skills and Objectives|\n|--------|-----------|---------------------|\n|Online Scavenger Hunt|Activity designed to help student become familiar with course content and to foster discovery learning by exploring the vast amount of Web resources available on a topic. In a scavenger hunt, individuals or groups of students might be asked to find a set of items in a list or accomplish a set of tasks.|Includes exploratory learning, concept review, search skills, and reflection on what is found and what is learned. It can also be an early course activity to determine if learners have the proper passwords and access to necessary technology tools and resources.|\n|Web Tours|Given that Web resources can overwhelm students, some instructors decide to start a session with a Web tour of the course agenda, course modules, and task options. Other instructors might take students on a Web tour of online resources that might prove valuable in completing the course. Web tours are common in corporate training when using synchronous conferencing tools, though they can find use in nearly any online educational setting.|Includes basic or factual knowledge, exploration skills, search strategies, self-directed learning, reflection on new knowledge, and inquiry learning. A key goal is of this activity is exposure to learning resources that be used later in the course.|\n|WebQuest|In a WebQuest, online resources are arranged for learners to explore and review and then ",
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      "title": "Appendix A: List of Online Learning Activities for PE Courses {#nmlsFS_appendixA .concept}",
      "content": " A key goal is of this activity is exposure to learning resources that be used later in the course.|\n|WebQuest|In a WebQuest, online resources are arranged for learners to explore and review and then debate ideas, events, and concepts. In effect, the instructor finds a set of materials and provides access to them online in a set of activities. The steps are laid out for the students; the ways in which they can be assessed are posted.|Includes basic or factual knowledge, exploration skills, search strategies, reflection on new knowledge, inquiry learning, and problem solving.|\n|Guided Readings|Content explorations are guided when students read from a selection of articles prescreened by the instructor. Prescreened or pre-assigned readings might be employed when the students need more guidance because of their maturity level, content familiarity, or experience with e-learning. A set of questions or issues might be embedded or posted in the LMS to guide their reading.|Includes basic content information, awareness and comprehension of key concepts and principles, reflection on concepts learned, and time to discuss and debate issues.|\n|Discovery Readings|Similar in concept to Guided Readings, Discovery Readings are more open-ended where students select articles based on their own course-related interests. In such a situation, a student might be assigned online reading materials or be asked to find articles that relate to the activities of a particular week or module.|Includes online searching and browsing skills, article and information filtering, and selection of relevant and personally meaningful materials. Such an activity equips students with twenty-first century skills related to information search and critical analysis, while simultaneously empowering them with self-directed learning activities. The goal here is motivating and retaining students through choice, goals and personal relevance.|\n|Question and Answer Sessions with Instructor|For effective online learnin",
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      "content": "rected learning activities. The goal here is motivating and retaining students through choice, goals and personal relevance.|\n|Question and Answer Sessions with Instructor|For effective online learning, students should be able to discuss course concerns, issues, and questions with the instructor using e-mail, text chat, and online discussion forums. Such questions and responses can later be posted within the LMS for future reference.|Includes feedback, sense of instructor social presence and instructional immediacy, interactivity, and prompt feedback. A primary objective is to focus student work and answer pressing questions.|\n|Online Expert Chats|Students will most likely enjoy online chats with experts, especially when audio is enabled. Expert chats are highly effective and engaging across learning settings.|Includes course interactivity, feedback, and sense of instructor presence or instructional immediacy. This activity forces students to interpret ideas of an expert and ferret out themes or issues in them. Among the key goals is to connect course materials to real-world activities.|\n|Online Synchronous Testing|Chat tools can be used for online quizzing of select student to test their understanding of the course content. Some instructors use dynamic assessment, in which each additional testing item is based on previous testing results. In effect, such tests are not related to typical online quizzed that might be stored in a course LMS, but, instead, they require instructor’s real-time interaction with students and grading of synchronous interactions and postings. In effect, the instructor posts questions, problems, or issues in a synchronous chat for students to answer, react to, and solve. While these types of activities are in line with social constructivist viewpoints, related to teaching and learning, such real-time testing and grading is dynamic, complex, highly flexible, open-ended or semi-structured, and intellectually demanding.|Includes comprehension, q",
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      "content": "oints, related to teaching and learning, such real-time testing and grading is dynamic, complex, highly flexible, open-ended or semi-structured, and intellectually demanding.|Includes comprehension, quick decision making, dynamic feedback, and application of terms and concepts.|\n|Synchronous or virtual Classroom Instructor Presentations|Live or synchronous online instruction has been successfully used in corporate training for a number of years. Key advantages of synchronous instruction include having social interaction and support from peers as well as the instructor; interactive learning with polls, chats, and surveys; and the ability to archive the session when finished for those who have missed it.|Includes a sense of instructor social presence and instructional immediacy, feedback, interactivity, and focus on critical content. Also helps form a course community.|\n|Expert Lectures and Commentary|This activity is a spoken expert commentary or narration layered over online resources such as PowerPoint slides, Web site tours, or other visual representations. Such lectures and commentaries are different from synchronous chat sessions, since they are not question-and-answer sessions. In effect, expert lectures might be synchronous or real-time presentations for a class or repurposed content used asynchronously.|Includes reflection, analysis, appreciation of multiple perspectives, and learning content with different delivery mechanisms. Skills fostered include reflection, analysis, and synthesis.|\n|Posting Webliographies or Web Resources|This activity requires students to post or exchange important Web resources or Webliographies that they have found. A Webliography is a compendium or list of Web links which allow the user to access information in an expedient fashion. Students should not only be assigned to create a Webliography but also be asked to respond to those that that their peers have built. In addition, one might have students evaluate their resources on som",
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      "content": "udents should not only be assigned to create a Webliography but also be asked to respond to those that that their peers have built. In addition, one might have students evaluate their resources on some scale or continuum, thereby adding an evaluative component to this highly generative activity.|Includes online exploration, self-directed learning, decision making, and digital literacy skills in browsing, filtering, and compiling information. Another focus or goal is to share and reflect on information.|\n\n\n\nActivity\n\n\n\nDescription\n\n\n\nSkills and Objectives\n\n\n\nReuse Chat Transcripts\n\n\n\nThis activity involves the reuse and repurposing of synchronous chat transcripts. The chat transcript might be used for students to reflect on the differences in perspectives from two or more experts, the themes appearing within various chat sessions, or the content that was covered during units or weeks after a particular chat session. It might also be used to reflect on how student views changed after chatting with or speaking to one or more experts.\n\n\n\nIncludes synthesis skills, feedback, sense of social presence and instructional immediacy, comparison and contrast, appreciation of multiple perspectives, and analysis, evaluation, and other critical thinking skills.\n\n\n\nWorkplace or Job Reflections\n\n\n\nAsk the student to reflect on their current job or workplace situation and to post their thoughts online. Additionally, the instructor can ask the student to conduct personal reflections on how they are applying key course content in their workplace. Ask student to read each other’s posts and ask them to summarize their reflections and compare them to the posts of their peers, highlighting the commonalities and differences in their observations.\n\n\n\nIncludes critical analysis skills, reflective writing and connecting content knowledge from books and lectures to real-world experiences.\n\n\n\nSelf-Check Quizzes and Exams\n\n\n\nStudents like to determine whether they know the content well enough to ",
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      "content": " writing and connecting content knowledge from books and lectures to real-world experiences.\n\n\n\nSelf-Check Quizzes and Exams\n\n\n\nStudents like to determine whether they know the content well enough to pass required examinations or course requirements as well as identify areas where they have deficiencies or misconceptions. This is especially true for modules and courses with extensive factual content. In effect, students want to know if they know something. An instructor might develop a set of quiz or test questions for students each week. Students can self-test or self-determine whether they are grasping the concepts or not.\n\n\n\nIncludes key course concepts and facts, feedback, self-directed learning, self-monitoring, and reflection.\n\n\n\nOnline Discussion Forums and Group Discussions\n\n\n\nOnline discussion forums are now highly familiar events in higher education. Online discussion forums can be pre-designed by the instructor, be student generated, or entail some combination of instructor and student design. Instructors can make salient certain key concepts or concerns for students to focus on in the content or topic.\n\n\n\nIncludes student reflection and expansion on course concepts and ideas, exploration of topics or ideas of personal interests, critical analysis, interaction, and synthesis. Another key goal is comparison to the interpretations or perspectives of other in the learning experience.\n\n\n\nPersonal Blogs\n\n\n\nStudents can be asked to create and maintain blogs or online diaries of their learning during a course. Instructors might ask students to post personal reflections on one or more of their routine readings. They can also post Web links, personal profiles, and pictures to their blogs. Each student in the course could be assigned a critical friend or Web buddy who provides feedback on those reflections.\n\n\n\nIncludes concept analysis, interpretation and integration skills, reflection skills, summary writing, writing as thinking, motivation and engagement, self-di",
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      "content": "provides feedback on those reflections.\n\n\n\nIncludes concept analysis, interpretation and integration skills, reflection skills, summary writing, writing as thinking, motivation and engagement, self-directed learning, and personal exploration on items or areas of interest.\n\n\n\nCollaborative or Team Blogs\n\n\n\nBlogs might also involve collaboration or virtual teaming. Students can be assigned partners to jointly summarize their progress on a project, joint reading assignment selections, and other experiences in their team blogs. The blog becomes a place for other teams to offer comments as well as for the instructor to provide feedback.\n\n\n\nIncludes concept analysis, interpretation, and integration skills, reflection skills, and personal exploration o items or areas of interest.\n\n\n\n**Synchronous and Asynchronous Discussion Combinations**\n\n\n\nOne of the most interesting and engaging online instructional activities involves combining synchronous and asynchronous activities related to the work of one or more experts. Student will often strongly disagree with a viewpoint of an expert after reading one or more of their publications or interviews. However, when offering an opportunity to meet them personally in a synchronous chat or online videoconference, these same students will often find themselves agreeing with all or most of the views of the individual. In effect, they find that one article or publication does not represent all the ideas of an individual and that interests, findings, and perspectives of experts change over time.\n\n\n\nThis task entails a heavy dosage of perspective taking while offering the potential for cognitive dissonance and debate. It also fosters critical analysis, reflection, communication, insight, student interaction, and comparison and contrast.\n\n\n\n**Online Cases, Situations, and Vignettes**\n\n\n\nPosting of online case studies or situations to the LMS can foster student analysis and evaluations skills. Online cases have wide applicability and acceptab",
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      "content": "line Cases, Situations, and Vignettes**\n\n\n\nPosting of online case studies or situations to the LMS can foster student analysis and evaluations skills. Online cases have wide applicability and acceptability, especially with adult learners who have the experience base to relate to them and perhaps provide personal stories or situations that extend beyond them.\n\n\n\nIncludes critical thinking and analysis, inferencing skills, comparison and contrast, evaluation, and internalization of concepts and principles. A key goal is to understand how and where course principles can be applied.\n\n\n\nSmall Group Exam Question Challenges\n\n\n\nAllowing students to design exam questions is one way to motivate them to study the material. In addition, such an activity is a prime example of a learner-centered approach that empowers students to control some aspect of the course activities or content while working collaboratively and discussing key concepts and principles within the content. When successfully implemented, such an approach builds ownership and pride for learning. And the work generated during one unit or course experience could be used in later iterations of the course. In effect, the course builds with student-generated content.\n\n\n\nIncludes collaboration, feedback, interaction, critical analysis, insight, concept review and attainment, and critical analysis and reflection.\n\n\n\n\nActivity\n\n\n\nDescription\n\n\n\nSkills and Objectives\n\n\n\nAnchored Instruction with Online Video\n\n\n\nIn anchored instruction, there typically is a short “anchoring” event in the form of a video that instructors and students watch and then can later revisit and reevaluate. The intent is to create a problem-solving contents or environment using short video snippets. Such anchoring situations spur student interest in the topic being taught while allowing them to better define problems and more flexibly use their knowledge. Increasing, there are online tools and services for fining video-related content, such as Goo",
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      "content": "he topic being taught while allowing them to better define problems and more flexibly use their knowledge. Increasing, there are online tools and services for fining video-related content, such as Google videos, Google Images, YouTube, TeacherTube, MSNBC Video are a few.\n\n\n\nIncludes reflection, critical analysis and evaluation, observational skills, and grasping the application of concepts, rules, and procedures in action.\n\n\n\nConcept Mapping Key Information\n\n\n\nStudent might be required to create concept maps or visual representations of key information or knowledge gained from the course. To guide their effort, they might use a tool like Inspiration, MindMapper, Visual Understanding Environment \\(VEU\\), FreeMind or Cmap. As part of this activity, student place key information or macro-propositions near the top of their maps and micro-propositions or secondary information below them. Linkages between terms as well as descriptions of such linkages are essential for understanding what the student has internalized. In addition, depicting casual relationships is crucial in certain disciplines or topics.\n\n\n\nIncludes knowledge integrations and synthesis, concept review, visualization of learning, reflection, critical analysis skills, insight, and logical thinking,\n\n\n\nVideo streamed Lectures and Presentations\n\n\n\nLearning is enhanced when the students can see their instructor’s facial expressions and nonverbal cues during the delivery of course content. For this reason, asking your media department or instructional support personnel to video stream your presentation or lectures would be advantageous. This may involve lecturing in a designated room or equipping a computer with a Webcam and appropriate software such as Camtasia or Captivate to record and produce streamed videos. When done, instructors might assign students to watch these videos streamed lectures and summarize what they have learned.\n\n\n\nIncludes grasping visual cues, course content and declarative knowledge, an",
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      "content": "hen done, instructors might assign students to watch these videos streamed lectures and summarize what they have learned.\n\n\n\nIncludes grasping visual cues, course content and declarative knowledge, and appreciation of instructor or expert viewpoints.\n\n\n\nVideo streamed Conferences and Events\n\n\n\nAs conferences, seminars, and institutes are increasingly streaming session presentations and activities, instructors might use such content in their courses to apprentice students into a field of study. Professional conferences in business, education, law, or most any field provide opportunities for students to reflect on the content they are learning and how others are currently using such knowledge, or perhaps how they might someday employ it as a practitioner in the field. Assignments might be structured around either archived conferences or live ones or both.\n\n\n\nIncludes grasping visual cues, course content, and declarative knowledge, and appreciation of expert viewpoints. Another key goal is extending student content learning beyond the course instructor or text.\n\n\n\nVideo Modeling and Professional Development\n\n\n\nProfessional schools and corporate training organizations are increasingly employing online videos to demonstrate how skills are used in the real world or on the job. The Department of Psychiatry at Trinity College in Dublin, Ireland, for instance, has a virtual interview project through which students have opportunities to conduct interviews with virtual patients. When using these resources, the student decided what questions to ask and can then watch student responses to them. Such practice activities provide confidence for students and are a safe harbor for practicing newly acquired skills before interacting with individuals in real-life situations.\n\n\n\nIncludes comparison and contrast, observational skills, enhanced reflection, inference, and evaluation. A key goal is to witness concepts in action and begin to internalize them.\n\n\n\n\nActivity\n\n\n\nDescription\n\n\n\nS",
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      "content": "mparison and contrast, observational skills, enhanced reflection, inference, and evaluation. A key goal is to witness concepts in action and begin to internalize them.\n\n\n\n\nActivity\n\n\n\nDescription\n\n\n\nSkills and Objectives\n\n\n\nVideo Scenario Learning\n\n\n\nScenario learning typically transports learners to a specific place and time. The scenario activity provides a series of challenges for learners to address in which they must make choices and decisions. Scenario activities can be brief or long and might entail many practice exercises.\n\n\n\nIncludes concept recognition and application, visual discrimination skills, inferencing, perceptual cues, coaching, feedback, and evaluation.\n\n\n\nOnline Review and Practice Exercises\n\n\n\nA common activity for testing recently learned knowledge and information is the review or practice exercise. Such online tests can entail much more than simple multiple choice, true-false, or matching questions. Indeed, there may be a scenario or vignette that a student must watch and then respond to. Or perhaps a concept is displayed visually and the student must then make a series of decisions. In some cases, a situation is presented, with a set of questions or activities following it to determine whether the student understand the concept.\n\n\n\nIncludes trying out concepts, gaining skills in practice, reviewing concepts, and principles learned, reflection on knowledge acquired, knowledge recognition and application, and skills internalization.\n\n\n\nReal-Time Case Studies\n\n\n\nIn real-time cases, students address real-world problems and issues as they occur. To facilitate this process, in agreement with company officials, a student is planted in a company or government setting and writes up the case situation. Correspondence with the class or institution happens in a variety of formats, including synchronous chats, blogs, asynchronous discussion, videoconferencing, Webcams, and so on.\n\n\n\nIncludes application of knowledge and skills in real-world context, flex",
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      "content": "in a variety of formats, including synchronous chats, blogs, asynchronous discussion, videoconferencing, Webcams, and so on.\n\n\n\nIncludes application of knowledge and skills in real-world context, flexible application of knowledge, appreciation of multiple perspectives, problem-based learning, and critical thinking.\n\n\n\nCourse Resource Wiki Site\n\n\n\nWiki tools allow members of a community to record events, activities, news, and other information. In an online class, a wiki can serve similar purposes. In a course wiki site, an instructor might post key course advice and assignment reminder information or provide feedback on student projects in individual student wiki pages, and student might add to such notes and reminders.\n\n\n\nIncludes collaboration, interactivity, student participatory learning, problem- and project-based learning, and assignment feedback.\n\n\n\nOnline Glossary and Resource Links Project\n\n\n\nSome courses include options through which students create extensive yet practical final projects that benefit both current students as well as those taking the course later. An online glossary is one such project. Here, a student or a group of students designs an interactive online glossary that summarizes key concepts and ides for the course. Web links might be generated that connect terms and definitions to articles.\n\n\n\nIncludes concept review and extension, application of concepts, concept discrimination, insight, exploration, and evaluation.\n\n\n**Parent topic:**Reference",
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      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_appendixB.md:chunk-0",
      "title": "Appendix B: Case Studies Guidance {#nmlsFS_appendixB .concept}",
      "content": "# Appendix B: Case Studies Guidance \n\n## The Requirement \n\n**Functional Specification for All NMLS Approved Courses** –“1.10.4 Inclusion of Case Studies: All courses are required to include case studies that reinforce learning objectives and provide context for how federal and/or state law\\(s\\) apply in real world situations \\(these can be actual cases \\(i.e. example of mortgage fraud or other regulatory actions or made-up scenarios\\). Case studies are to align with the learning objective\\(s\\) of the module or unit of instruction and are required to be of sufficient detail and/or complexity to ensure the student grasps the importance and applicability of the issue being discussed. Case studies are also to be contextual to the course topic \\(not generic\\). In the case of state-specific courses, case studies must be relevant to the specific state law\\(s\\), regulation\\(s\\), statute\\(s\\), and/or rule\\(s\\) in which the course is intending to cover.”\n\n## Definition of Acceptable Case Studies \n\nCase studies are to reinforce learning objectives and provide context on how federal and or state laws/regs/statutes apply in real world situations. The case study needs to be of sufficient detail and complexity to challenge an adult learner and test his or her understanding of the laws/regs/statutes being taught and their applicability in real world settings. The best way to achieve the detail and complexity required to meet the case study requirement is to use real enforcement actions or develop fictitious events based upon real enforcement actions. The case study then needs to be used as a teaching tool to foster critical thinking and discussion from the student. The case study requirement cannot be met when the case study is not used to teach.\n\n**Parent topic:**Reference",
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      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_appendixB.md",
      "headings": [
        "Appendix B: Case Studies Guidance {#nmlsFS_appendixB .concept}",
        "The Requirement {#section_ndr_srj_22c .section}",
        "Definition of Acceptable Case Studies {#section_vjx_srj_22c .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_appendixB.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_approvedCourseProvider.md:chunk-0",
      "title": "Policy on Criteria for Granting Approval to Become an NMLS Approved Course Provider {#nmlsFS_approvedCourseProvider .concept}",
      "content": "# Policy on Criteria for Granting Approval to Become an NMLS Approved Course Provider \n\nEffective June 16, 2009 \\| Reviewed December 20, 2018\n\n## Purpose \n\nThe purpose of this policy is to define the criteria that a course provider must satisfy as a precondition to being listed as an “NMLS Approved” course provider.\n\n## Background and Reason for the Policy \n\nThe Secure and Fair Enforcement for Mortgage Licensing Act \\(SAFE Act\\) requires that the Nationwide Multistate Licensing System \\(NMLS\\) review and approve all pre-licensure and continuing education courses that are offered to state-licensed mortgage loan originators and are intended to satisfy the 20 hours of pre-licensure education \\(PE\\) and/or 8 hours of annual continuing education \\(CE\\). To meet its mandate as required by the SAFE Act, NMLS requires that organizations seeking to have PE or CE courses approved by NMLS, register and become recognized as an “NMLS Approved” course provider. To maintain integrity within the industry, NMLS has established six criteria that an organization must satisfy as a precondition to becoming an “NMLS Approved” course provider.\n\n## Criteria for Granting Approval to Become Recognized an NMLS Approved Course Provider \n\nTo become recognized as an approved course provider, the organization must satisfy all six of the following criteria:\n\n1.  **Criteria 1 – Possess Infrastructure and Demonstrate the Ability to Deliver Education**: The organization must demonstrate through the application process that they have the physical and business support infrastructure in place necessary to deliver education to the mortgage industry. Physical infrastructure is defined as the means to deliver courses in accordance with NMLS approved course formats \\(classroom, webinar, online\\) and in accordance with the respective functional specifications. Business support infrastructure is defined as:\n    1.  The organization must be domiciled and have a physical presence in the United States.\n    2.  I",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_approvedCourseProvider.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_approvedCourseProvider.md",
      "headings": [
        "Policy on Criteria for Granting Approval to Become an NMLS Approved Course Provider {#nmlsFS_approvedCourseProvider .concept}",
        "Purpose {#section_ph2_4bt_c2c .section}",
        "Background and Reason for the Policy {#section_g1w_4bt_c2c .section}",
        "Criteria for Granting Approval to Become Recognized an NMLS Approved Course Provider {#section_pxc_tbt_c2c .section}",
        "Successful Demonstration that Criterion Has Been Met {#section_aj4_2ct_c2c .section}",
        "Requirement to Maintain Approval Status {#section_thp_fdt_c2c .section}",
        "Application Deficiencies {#section_dqw_mdt_c2c .section}",
        "Failure to Demonstrate that Criterion Has Been Met {#section_qhh_mdt_c2c .section}",
        "Suspension or Removal of NMLS Approved Status {#section_vzy_ldt_c2c .section}",
        "Right to Appeal {#section_z5t_ldt_c2c .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_approvedCourseProvider.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_approvedCourseProvider.md:chunk-1",
      "title": "Policy on Criteria for Granting Approval to Become an NMLS Approved Course Provider {#nmlsFS_approvedCourseProvider .concept}",
      "content": "ce with the respective functional specifications. Business support infrastructure is defined as:\n    1.  The organization must be domiciled and have a physical presence in the United States.\n    2.  In possession of current documentation authorizing the organization to conduct business in accordance with all applicable local and state laws to include the appropriate local tax authority, Secretary of State, and post-secondary education authority \\(as applicable\\).\n    3.  Having in place policies and processes necessary to run and operate a business in accordance with state and local regulations\n    4.  Organizations delivering traditional instruction must deliver courses at an appropriate facility for adult education.\n    5.  Possessing and maintaining the ability to complete financial transactions, issue refunds, and report and pay for course completions in accordance with NMLS credit banking policies;\n    6.  maintain accurate student records; and\n    7.  where applicable, abide by best practices associated with maintaining a web presence/performing e-commerce to include listing on any web site\\(s\\) where an NMLS approved course is to be listed the organization’s business address, phone number\\(s\\), e-mail address, privacy policy, refund policy, course cancellation and other applicable policies.\n2.  **Criteria 2 – Instructional Qualifications, Course Quality, Rigor, and Timeliness**: Organizations must demonstrate and verify they possess a minimum of five years recent operational or teaching experience in residential mortgage lending, real estate, or the appraisal industry. Instructors are required to deliver quality courses consistent with best practices in adult learning and rigor and the SAFE Act’s intent for pre-licensure and/or annual continuing education. Additionally, organizations must demonstrate that they have a process in place to acquire and/or produce and maintain course materials that are current and provide instruction on existing and emergent U.S. ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_approvedCourseProvider.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_approvedCourseProvider.md",
      "headings": [
        "Policy on Criteria for Granting Approval to Become an NMLS Approved Course Provider {#nmlsFS_approvedCourseProvider .concept}",
        "Purpose {#section_ph2_4bt_c2c .section}",
        "Background and Reason for the Policy {#section_g1w_4bt_c2c .section}",
        "Criteria for Granting Approval to Become Recognized an NMLS Approved Course Provider {#section_pxc_tbt_c2c .section}",
        "Successful Demonstration that Criterion Has Been Met {#section_aj4_2ct_c2c .section}",
        "Requirement to Maintain Approval Status {#section_thp_fdt_c2c .section}",
        "Application Deficiencies {#section_dqw_mdt_c2c .section}",
        "Failure to Demonstrate that Criterion Has Been Met {#section_qhh_mdt_c2c .section}",
        "Suspension or Removal of NMLS Approved Status {#section_vzy_ldt_c2c .section}",
        "Right to Appeal {#section_z5t_ldt_c2c .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_approvedCourseProvider.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_approvedCourseProvider.md:chunk-2",
      "title": "Policy on Criteria for Granting Approval to Become an NMLS Approved Course Provider {#nmlsFS_approvedCourseProvider .concept}",
      "content": "onally, organizations must demonstrate that they have a process in place to acquire and/or produce and maintain course materials that are current and provide instruction on existing and emergent U.S. federal and/or state residential mortgage-related laws and regulations.\n3.  **Criteria 3 – Student Satisfaction**: Organizations need to demonstrate that they have an end-of-course evaluations/survey, that they are being distributed and completed, and that substantive feedback is incorporated into course materials.\n4.  **Criteria 4 – Ensure Instructor Qualifications**: Organizations must have an instructor hiring practices and policy document. The document must detail the organization’s process for evaluating and validating that instructors meet a minimum of five years of recent industry experience and meet legal requirements to teach NMLS approved courses, and that they are knowledgeable \\(either through current professional or academic experience\\) in the applicable area\\(s\\) of residential mortgage lending they are intending to teach. Instructors must also possess experience and be skilled in the instructional methodologies associated with the course format they are intending to teach.\n5.  **Criteria 5 – Evidence for Satisfactory Course Completion**: Organizations must have a means to measure/verify that a student has attended the course and have a means to measure that a student has completed a course.\n6.  **Criteria 6 – Abide by State and Local Laws/ NMLS Standards of Conduct**: Organizations must meet and continue to meet all requirements associated with doing business in their respective state\\(s\\) and/or jurisdiction\\(s\\). Organizations must also maintain accreditation/licensing requirements as required by state and local laws. Additionally, recognized course providers and their instructors must not have been denied approval to offer mortgage, real estate, or appraisal-related education or training in any state. Recognized course providers must also agree to and",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_approvedCourseProvider.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_approvedCourseProvider.md",
      "headings": [
        "Policy on Criteria for Granting Approval to Become an NMLS Approved Course Provider {#nmlsFS_approvedCourseProvider .concept}",
        "Purpose {#section_ph2_4bt_c2c .section}",
        "Background and Reason for the Policy {#section_g1w_4bt_c2c .section}",
        "Criteria for Granting Approval to Become Recognized an NMLS Approved Course Provider {#section_pxc_tbt_c2c .section}",
        "Successful Demonstration that Criterion Has Been Met {#section_aj4_2ct_c2c .section}",
        "Requirement to Maintain Approval Status {#section_thp_fdt_c2c .section}",
        "Application Deficiencies {#section_dqw_mdt_c2c .section}",
        "Failure to Demonstrate that Criterion Has Been Met {#section_qhh_mdt_c2c .section}",
        "Suspension or Removal of NMLS Approved Status {#section_vzy_ldt_c2c .section}",
        "Right to Appeal {#section_z5t_ldt_c2c .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_approvedCourseProvider.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_approvedCourseProvider.md:chunk-3",
      "title": "Policy on Criteria for Granting Approval to Become an NMLS Approved Course Provider {#nmlsFS_approvedCourseProvider .concept}",
      "content": "ers and their instructors must not have been denied approval to offer mortgage, real estate, or appraisal-related education or training in any state. Recognized course providers must also agree to and abide by the NMLS Course Provider Standards-of-Conduct.\n\n## Successful Demonstration that Criterion Has Been Met \n\nOrganizations that demonstrate that they have meet all six of the criteria listed above \\(and who have also met all the other application requirements\\) will be recognized as NMLS Approved Course providers. Upon approval of the application \\(initial or renewal\\) the organization will be listed on the list of “NMLS Approved Course Providers” which is maintained on the education page of the NMLS Resource Center.\n\n## Requirement to Maintain Approval Status \n\nTo maintain NMLS approval status, the organization must be working in good faith toward having at least one course approved by NMLS within sixty days of the initial course provider approval letter date. \\(The term good faith is defined as having uploaded course material in the NMLS Course Approval portal and be working to address any deficiencies required to achieve course approval.\\) Additionally, the organization must maintain at least one course in an “approved” status with NMLS. An organization without an approved course for longer than sixty days and/or who is not working in good faith toward having an approved course will have their approval status suspended and will be prohibited from promoting themselves as NMLS approved.\n\n## Application Deficiencies \n\nIf, during the application evaluation process, the application package is found to be deficient and/or standards have not been met, the organization will be notified via e-mail and will be asked to address the deficiency. The organization will have no more than 30 calendar days from the date of notification to address the deficiency.\n\n## Failure to Demonstrate that Criterion Has Been Met \n\nFailure to demonstrate compliance with one or more of the ab",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_approvedCourseProvider.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_approvedCourseProvider.md",
      "headings": [
        "Policy on Criteria for Granting Approval to Become an NMLS Approved Course Provider {#nmlsFS_approvedCourseProvider .concept}",
        "Purpose {#section_ph2_4bt_c2c .section}",
        "Background and Reason for the Policy {#section_g1w_4bt_c2c .section}",
        "Criteria for Granting Approval to Become Recognized an NMLS Approved Course Provider {#section_pxc_tbt_c2c .section}",
        "Successful Demonstration that Criterion Has Been Met {#section_aj4_2ct_c2c .section}",
        "Requirement to Maintain Approval Status {#section_thp_fdt_c2c .section}",
        "Application Deficiencies {#section_dqw_mdt_c2c .section}",
        "Failure to Demonstrate that Criterion Has Been Met {#section_qhh_mdt_c2c .section}",
        "Suspension or Removal of NMLS Approved Status {#section_vzy_ldt_c2c .section}",
        "Right to Appeal {#section_z5t_ldt_c2c .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_approvedCourseProvider.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_approvedCourseProvider.md:chunk-4",
      "title": "Policy on Criteria for Granting Approval to Become an NMLS Approved Course Provider {#nmlsFS_approvedCourseProvider .concept}",
      "content": "ore than 30 calendar days from the date of notification to address the deficiency.\n\n## Failure to Demonstrate that Criterion Has Been Met \n\nFailure to demonstrate compliance with one or more of the above listed criteria will result in a denial of the organization’s application, and the organization will not be recognized by NMLS as being an approved course provider. A denied application will render the organization as ineligible to submit courses to NMLS for approval. Additionally, any course the provider may offer to a state-licensed mortgage loan originator will be deemed non-SAFE compliant for PE or CE.\n\n## Suspension or Removal of NMLS Approved Status \n\nAn organization’s NMLS approved status may be removed or suspended by the Mortgage Testing and Education Board \\(MTEB\\) if it is discovered that the application contained incorrect or misleading information. Approval status may also be removed if the MTEB finds that the organization is operating in a manner that violates local or state laws, is in non-compliance with NMLS policies, that courses are not being delivered in accordance with the intent of published functional specifications, chronically fails to report student course completions on time or incorrectly, or if a violation of the NMLS Course Provider Standards-of- Conduct has occurred.\n\n## Right to Appeal \n\nAn organization whose application is denied may appeal the decision within 10 business-days of the date of the denial letter. The application will be reconsidered provided the organization shows evidence that all six of the criteria listed above have been met.\n\n**Parent topic:**Education Policies",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_approvedCourseProvider.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_approvedCourseProvider.md",
      "headings": [
        "Policy on Criteria for Granting Approval to Become an NMLS Approved Course Provider {#nmlsFS_approvedCourseProvider .concept}",
        "Purpose {#section_ph2_4bt_c2c .section}",
        "Background and Reason for the Policy {#section_g1w_4bt_c2c .section}",
        "Criteria for Granting Approval to Become Recognized an NMLS Approved Course Provider {#section_pxc_tbt_c2c .section}",
        "Successful Demonstration that Criterion Has Been Met {#section_aj4_2ct_c2c .section}",
        "Requirement to Maintain Approval Status {#section_thp_fdt_c2c .section}",
        "Application Deficiencies {#section_dqw_mdt_c2c .section}",
        "Failure to Demonstrate that Criterion Has Been Met {#section_qhh_mdt_c2c .section}",
        "Suspension or Removal of NMLS Approved Status {#section_vzy_ldt_c2c .section}",
        "Right to Appeal {#section_z5t_ldt_c2c .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_approvedCourseProvider.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_approvedTopicsList.md:chunk-0",
      "title": "1.18 NMLS Approved Topics List {#nmlsFS_approvedTopicsList .concept}",
      "content": "# 1.18 NMLS Approved Topics List \n\nThe purpose of NMLS Policy on Approved and Not Approved Topic List for Pre-Licensure and Continuing Education Intended to Satisfy SAFE Act Education Requirements is to identify the pre-licensure \\(PE\\) and continuing education \\(CE\\) topics NMLS has determined will satisfy the education requirements of the **SAFE Act**.\n\nThis document also identifies specific topics that are required to be covered as part of annual CE.\n\n**Parent topic:**Section 1: General Requirements for All Course Formats",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_approvedTopicsList.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_approvedTopicsList.md",
      "headings": [
        "1.18 NMLS Approved Topics List {#nmlsFS_approvedTopicsList .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_approvedTopicsList.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_classSize.md:chunk-0",
      "title": "2.1 Class Size and Physical Environment {#nmlsFS_classSize .concept}",
      "content": "# 2.1 Class Size and Physical Environment \n\nThere is no fixed floor or ceiling limit on the number of students that a course provider using the classroom format can teach. However, course providers need to take into consideration the following:\n\n2.1.1 Course Environment\n:   The course must be delivered in a space that is conducive to instruction. Areas of consideration for a reasonable course environment include but are not limited to, location size, accessibility, climate control, and teaching tools.\n\n2.1.2 Student Space\n:   The course location must reasonably accommodate the number of students registered. Each student must have a designated area which provides the opportunity to focus on the course material delivered.\n\n**Parent topic:**Section 2: Specific Requirements for Classroom Courses",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_classSize.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_classSize.md",
      "headings": [
        "2.1 Class Size and Physical Environment {#nmlsFS_classSize .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_classSize.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_classroomCourseReqs.md:chunk-0",
      "title": "Section 2: Specific Requirements for Classroom Courses {#nmlsFS_classroomCourseReqs .concept}",
      "content": "# Section 2: Specific Requirements for Classroom Courses \n\nPrior to reviewing the requirements for the specific course format, please ensure that all requirements are met as listed in Section 1: General Requirements for All Course Formats.\n\n-   **2.1 Class Size and Physical Environment**  \nThere is no fixed floor or ceiling limit on the number of students that a course provider using the classroom format can teach. However, course providers need to take into consideration the following:\n-   **2.2 Course Delivery Personnel**  \nBecause of the potential high number of students taking this course format, and the venue in which the course format is typically offered, classroom courses typically require the support of a greater number of people. In most situations the following roles and responsibilities apply:\n-   **2.3 Requirement for Issuance and Retention of Rules of Conduct for Students**  \nPrior to the start of every NMLS approved course offering, every student must agree to the Rules of Conduct for Students \\(ROCS\\) V4. The Rules of Conduct, which are made available to course providers by NMLS, are required to be displayed and agreed to by students under the following conditions:\n-   **2.4 Requirement for Student Authentication and Validation of Attendance**  \nCourse providers are required to employ a means to verify a student’s identity and verify that the student has attended the entire course offering to receive course credit. If the course provider cannot verify full attendance, the student must re-take the entire course.\n\n**Parent topic:**Functional Specifications for All NMLS Approved Courses \\(version 17\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_classroomCourseReqs.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_classroomCourseReqs.md",
      "headings": [
        "Section 2: Specific Requirements for Classroom Courses {#nmlsFS_classroomCourseReqs .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_classroomCourseReqs.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_continuingEd.md:chunk-0",
      "title": "1.3.2 Continuing Education {#nmlsFS_continuingEd .concept}",
      "content": "# 1.3.2 Continuing Education \n\n\\(a\\) CE Individual Core Courses\n:   1.  **CE Federal Law and Regulations**: Course must be a minimum 3 hours;\n2.  **CE Ethics**: Course must be a minimum of 2 hours; and\n3.  **CE Nontraditional**: Course on Lending Standards for the Nontraditional Mortgage Product Marketplace; must be a minimum 1 hour.\n\n\\(b\\) CE Core Course\n:   Intended to fulfill the three core requirements. The course must contain 3 hours of federal law, 2 hours of ethics and 2 hours of nontraditional mortgage for a minimum total of 7 hours.\n\n\\(c\\) CE Elective\n:   Course designed to fulfill the 1 hour of undefined education. The course must be a minimum 1 hour. Incudes course intending to satisfy only a state agency specific education requirement.\n\n\\(d\\) CE Comprehensive\n:   Course intended to fulfill all of the continuing education requirements of the SAFE Act and does not contain any State-specific content. The course must contain 3 hours of federal law, 2 hours of ethics, 2 hours of nontraditional mortgage and 1 hour of elective content for a total of 8 or more hours. Includes course intended to fulfill all of the continuing education requirements of the SAFE Act as well as meet state agency requirements for a specific number of hours.\n\n**Parent topic:**1.3 Course Categories and Delivery Formats",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_continuingEd.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_continuingEd.md",
      "headings": [
        "1.3.2 Continuing Education {#nmlsFS_continuingEd .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_continuingEd.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_courseCategoriesDeliverFormat.md:chunk-0",
      "title": "1.3 Course Categories and Delivery Formats {#nmlsFS_courseCategoriesDeliverFormat .concept}",
      "content": "# 1.3 Course Categories and Delivery Formats \n\nWhen submitting a course for NMLS approval, course providers are required to identify which course category of the SAFE Act requirement the course is intended to satisfy, and the format in which the course will be delivered.\n\nA course is approved under one course category and for one delivery format. The course category is an important decision as the information will carry over to the MLO’s Course Completion Record and will determine whether or not the MLO has met licensure requirements. As such, and to provide course providers with as much flexibility as possible to construct courses to suit individual business models while at the same time attempting to work within specific technical parameters associated with the management of the NMLS, the following course categories and associated course hours are as follows:\n\n-   **1.3.1 Pre-Licensure Education**  \n\n-   **1.3.2 Continuing Education**  \n\n-   **1.3.3 Delivery Formats**  \n\n**Parent topic:**Section 1: General Requirements for All Course Formats",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_courseCategoriesDeliverFormat.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_courseCategoriesDeliverFormat.md",
      "headings": [
        "1.3 Course Categories and Delivery Formats {#nmlsFS_courseCategoriesDeliverFormat .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_courseCategoriesDeliverFormat.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_courseContent.md:chunk-0",
      "title": "1.9 Course Content Organization {#nmlsFS_courseContent .concept}",
      "content": "# 1.9 Course Content Organization \n\nCourse content is to be organized and delivered in a linear fashion to present information in a logical and engaging manner.\n\nThe course subject is required to be divided into specific and clearly organized module which are broken down into specific unit of instruction. Each unit of instruction must be delivered in a manner that supports the learning objectives of the module and of the course. Units of instruction may vary in size or time as necessary to achieve the overall learning objective of the course. A unit of instruction does not have a specific time requirement, but it must be delivered in a manner that will reasonably ensure the student will grasp the most salient points and can demonstrate minimum proficiency on the topic.\n\n**Note:** All courses must be organized into multiple modules and those modules must be organized into multiple units of instruction.\n\n**Parent topic:**Section 1: General Requirements for All Course Formats",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_courseContent.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_courseContent.md",
      "headings": [
        "1.9 Course Content Organization {#nmlsFS_courseContent .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_courseContent.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_courseDataDocRetentionPolicy.md:chunk-0",
      "title": "NMLS Approved Course Data and Document Retention Policy {#nmlsFS_courseDataDocRetentionPolicy .concept}",
      "content": "# NMLS Approved Course Data and Document Retention Policy \n\nJanuary 1, 2018.\n\n## Summary \n\nThe intent of this policy is to set requirements for NMLS approved course providers to retain data and documents associated with the delivery of NMLS approved courses. This policy has been approved by the Mortgage Testing and Education Board \\(MTEB\\) and the NMLS Policy Committee. NMLS approved courses are those courses which must be completed by Mortgage Loan Originators \\(MLOs\\) as a condition to either acquire or maintain a license.\n\n## Purpose of the Approved Course Data Retention Policy \n\nThe purpose of the Approved Course Data and Retention Policy is to ensure the following:\n\n1.  Data within a learning management system is maintained and accessible.\n2.  Data is maintained in the event the course provider transitions from one learning management system to another.\n3.  Data and documents for all NMLS approved courses are retained for the purposes of supporting an inquiry or examination by an authorized entity.\n\n## Background \n\nAs the mortgage education program continues to mature, NMLS approved course providers have either made the decision or are considering changes to their learning management system. Over the years, SRR has also responded to inquiries from state agencies regarding the timing and content of education that had been completed by a licensee. These types of inquiries, along with changes to LMS’s heightens awareness for the need of a uniform policy on data and document retention associated with the delivery of NMLS approved courses.\n\nIn May 2017, the Mortgage Testing and Education Board \\(MTEB\\)[^1] voted to adopt the Data and Document Retention Policy. The NMLS Policy Committee[^2] was informed of the policy adoption.\n\n## NMLS Course Provider Data and Document Retention Policy \n\nThe NMLS Course Provider Data and Document Retention Policy is as follows:\n\n> As a condition for achieving and maintaining NMLS approval status, course providers attest to having in ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_courseDataDocRetentionPolicy.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_courseDataDocRetentionPolicy.md",
      "headings": [
        "NMLS Approved Course Data and Document Retention Policy {#nmlsFS_courseDataDocRetentionPolicy .concept}",
        "Summary {#section_pcb_y2q_c2c .section}",
        "Purpose of the Approved Course Data Retention Policy {#section_vsx_z2q_c2c .section}",
        "Background {#section_mcx_bfq_c2c .section}",
        "NMLS Course Provider Data and Document Retention Policy {#section_zqh_dhq_c2c .section}",
        "Effective Date {#section_mgy_3fq_c2c .section}",
        "Appendix 1 {#section_lvr_kfq_c2c .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_courseDataDocRetentionPolicy.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_courseDataDocRetentionPolicy.md:chunk-1",
      "title": "NMLS Approved Course Data and Document Retention Policy {#nmlsFS_courseDataDocRetentionPolicy .concept}",
      "content": "etention Policy \n\nThe NMLS Course Provider Data and Document Retention Policy is as follows:\n\n> As a condition for achieving and maintaining NMLS approval status, course providers attest to having in place processes for the retention and retrieval of data and documents associated with the delivery of all NMLS approved courses.\n\nFor the purposes of this policy, the following definitions apply:\n\nCourse\n:   the term “course” refers to an instance of instruction that has been approved by NMLS and issued a NMLS Course Number and actually delivered to the student in accordance with NMLS-approved standards.\n\nCourse data and documents\n:   is defined as any data or document contained in a course. This includes, but is not limited to:\n\n    -   timing recorded within the LMS that will identify how long the student has spent on each of the primary **SAFE Act** topical areas of federal law, ethics, and nontraditional mortgage lending;\n    -   syllabus;\n    -   course content;\n    -   gradebook;\n    -   coursework;\n    -   test results;\n    -   documents;\n    -   course log-in/log out;\n    -   course attendance roster;\n    -   course sign-in/sign-out sheet.\n\nRetention\n:   is defined as five \\(5\\) years from the last date the course is taught or administered.\n\nAttest\n:   is defined as agreeing to the data and document retention statement, which is included in Section 3\\(F\\) of Standards of Conduct for Course Providers \\(Appendix 1\\).\n\n## Effective Date \n\nThis policy is effective January 1, 2018.\n\n## Appendix 1 \n\nSection 3\\(F\\) of the Standards of Conduct for Approved Course Providers As a condition for achieving and maintaining NMLS approval status, Course Provider attests to having in place processes for the retention of data and documents associated with the delivery of NMLS approved courses for a period of five years. Further, the organization agrees that NMLS retains the ability to audit Course Data, as needed, to ensure Course Provider is properly administering courses and tr",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_courseDataDocRetentionPolicy.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_courseDataDocRetentionPolicy.md",
      "headings": [
        "NMLS Approved Course Data and Document Retention Policy {#nmlsFS_courseDataDocRetentionPolicy .concept}",
        "Summary {#section_pcb_y2q_c2c .section}",
        "Purpose of the Approved Course Data Retention Policy {#section_vsx_z2q_c2c .section}",
        "Background {#section_mcx_bfq_c2c .section}",
        "NMLS Course Provider Data and Document Retention Policy {#section_zqh_dhq_c2c .section}",
        "Effective Date {#section_mgy_3fq_c2c .section}",
        "Appendix 1 {#section_lvr_kfq_c2c .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_courseDataDocRetentionPolicy.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_courseDataDocRetentionPolicy.md:chunk-2",
      "title": "NMLS Approved Course Data and Document Retention Policy {#nmlsFS_courseDataDocRetentionPolicy .concept}",
      "content": "d courses for a period of five years. Further, the organization agrees that NMLS retains the ability to audit Course Data, as needed, to ensure Course Provider is properly administering courses and tracking student participation. Accordingly, Course Provider must make Course Data available to SRR within 14 calendar days of a written request from SRR.\n\n**Parent topic:**Education Policies\n\n[^1]: Created in 2009 by the SRR Board of Managers, the MTEB is comprised of at least nine state regulators representing each of the five CSBS Districts and at least one AARMR representative. The MTEB performs an appellate role as necessary for investigations and provides guidance and recommendations to the SRR staff, the NMLS Policy Committee and the SRR board of Managers.\n[^2]: To assist it in making decisions and handling operational matters, the SRR Board of Managers created the NMLS Policy Committee \\(NMLSPC\\) which is comprised of 11 state regulators. The NMLS Policy Committee provides SRR a mechanism to make policy decisions for NMLS with regards to its impact on meeting state licensing regulations. Decisions are made after considering input from NMLS Participating State Agencies, licensees and industry.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_courseDataDocRetentionPolicy.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_courseDataDocRetentionPolicy.md",
      "headings": [
        "NMLS Approved Course Data and Document Retention Policy {#nmlsFS_courseDataDocRetentionPolicy .concept}",
        "Summary {#section_pcb_y2q_c2c .section}",
        "Purpose of the Approved Course Data Retention Policy {#section_vsx_z2q_c2c .section}",
        "Background {#section_mcx_bfq_c2c .section}",
        "NMLS Course Provider Data and Document Retention Policy {#section_zqh_dhq_c2c .section}",
        "Effective Date {#section_mgy_3fq_c2c .section}",
        "Appendix 1 {#section_lvr_kfq_c2c .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_courseDataDocRetentionPolicy.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_courseDataDocRetentionReq.md:chunk-0",
      "title": "1.17 NMLS Approved Course Data and Document Retention Policy {#nmlsFS_courseDataDocRetentionReq .concept}",
      "content": "# 1.17 NMLS Approved Course Data and Document Retention Policy \n\nPer Section 3\\(F\\) of the Standards of Conduct for Approved Course Providers, as a condition for achieving and maintaining NMLS approval status, Course Provider must have in place processes for the retention of data and documents associated with the delivery of NMLS approved courses for a period of five years.\n\nFurther, the organization must agree that NMLS retains the ability to audit Course Data, as needed, to ensure Course Provider is properly administering courses and tracking student participation. Accordingly, Course Provider must make Course Data available to SRR within 14 calendar days of a written request from SRR. The full version of the policy can be found here: NMLS Approved Course Data and Document Retention Policy\n\n**Parent topic:**Section 1: General Requirements for All Course Formats",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_courseDataDocRetentionReq.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_courseDataDocRetentionReq.md",
      "headings": [
        "1.17 NMLS Approved Course Data and Document Retention Policy {#nmlsFS_courseDataDocRetentionReq .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_courseDataDocRetentionReq.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_courseDeliveryPersonnel.md:chunk-0",
      "title": "2.2 Course Delivery Personnel {#nmlsFS_courseDeliveryPersonnel .concept}",
      "content": "# 2.2 Course Delivery Personnel \n\nBecause of the potential high number of students taking this course format, and the venue in which the course format is typically offered, classroom courses typically require the support of a greater number of people. In most situations the following roles and responsibilities apply:\n\n2.2.1 Instructor\n:   Defined as the individual teaching/instructing the course. Generally, a course has one principle instructor assigned to it. This individual is the subject matter expert and is responsible for leading the course and bears the burden of responsibility of ensuring the course is delivered properly. For additional information regarding the instructor, please see the 1.7 Instructor Skills and Qualifications section.\n\n2.2.2 Facilitator/Instructor Aid\n:   The facilitator/instructor aid is responsible for ensuring students are properly registered and checked into the course; ensuring the students return from breaks; and that the student attends the entire course. Facilitators / instructor aids can also be employed to assist in taking student questions and relaying the information to the instructor. They are also able to perform other administrative functions in support of the course delivery.\n\n    \\(a\\) Facilitator as Course Provider Agent\n    :   Since the course provider is ultimately responsible for ensuring students have completed the course, facilitators should be an employee or agent of the course provider. As a general rule, and to remove the potential for any conflict of interest, employees of a company who are also students in the course should not function as a facilitator. Exceptions can be made in situations where a trade association is sponsoring instruction and trade association employees may be asked to serve as proctors.\n\n    **Note:** a mortgage loan originator who is receiving credit hours cannot be a facilitator.\n\n**Parent topic:**Section 2: Specific Requirements for Classroom Courses",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_courseDeliveryPersonnel.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_courseDeliveryPersonnel.md",
      "headings": [
        "2.2 Course Delivery Personnel {#nmlsFS_courseDeliveryPersonnel .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_courseDeliveryPersonnel.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_courseFacilitator.md:chunk-0",
      "title": "1.8 Course Facilitators {#nmlsFS_courseFacilitator .concept}",
      "content": "# 1.8 Course Facilitators \n\nProviders delivering a course to a large audience are required to employ facilitators to assist with student checking in, attendance verification, and to handle other administrative activities. Facilitators may also be employed to assist with answering of questions, passing information, and/or performing other duties that will ensure optimal course delivery and instructor-to-student interaction.\n\n**Parent topic:**Section 1: General Requirements for All Course Formats",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_courseFacilitator.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_courseFacilitator.md",
      "headings": [
        "1.8 Course Facilitators {#nmlsFS_courseFacilitator .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_courseFacilitator.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_courseHandHeldDevice.md:chunk-0",
      "title": "1.16 Statement Regarding Approval of Courses for Use on Hand-Held Electronic Devices {#nmlsFS_courseHandHeldDevice .concept}",
      "content": "# 1.16 Statement Regarding Approval of Courses for Use on Hand-Held Electronic Devices \n\nNMLS approves online courses for consumption on desktop and laptop computers. NMLS has not established technical requirements for and has not approved courses for use on small hand-held electronic devices such as the iPad, iPhone, tablets, phablets, smart phones, etc.\n\nCourses are not to be marketed that they are approved for taking on such devices other than a desktop or laptop computer.\n\n**Parent topic:**Section 1: General Requirements for All Course Formats",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_courseHandHeldDevice.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_courseHandHeldDevice.md",
      "headings": [
        "1.16 Statement Regarding Approval of Courses for Use on Hand-Held Electronic Devices {#nmlsFS_courseHandHeldDevice .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_courseHandHeldDevice.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_courseInstructorEligibilityPolicy.md:chunk-0",
      "title": "NMLS Approved Course Instructor Eligibility Policy {#nmlsFS_courseInstructorEligibilityPolicy .concept}",
      "content": "# NMLS Approved Course Instructor Eligibility Policy \n\nEligibility of instructors to teach NMLS approved courses. Effective May 30, 2016 \\| Reviewed April 4, 2019\n\n## Summary \n\nThe intent of this notice is to inform NMLS approved course providers and industry of a policy that has been approved by the Mortgage Testing Education Board \\(MTEB\\) and the NMLS Policy Committee, regarding the eligibility of instructors to teach NMLS approved courses. NMLS approved courses are those courses which must be completed by Mortgage Loan Originators \\(MLOs\\) as a condition to either acquire or maintain a license.\n\n## Purpose of the Instructor Eligibility Policy \n\nThe purpose of the Instructor Eligibility Policy is to address a situation where course providers have made arrangements with corporate clients to “certify” an employee of the client as an instructor. The “certified” instructor then teaches the course provider’s course\\(s\\) and the course provider then reports the completed education to SRR. The practice of “certifying” instructors raises several concerns:\n\n1.  Using an employee of a client company to instruct a provider’s course\\(s\\) raises issues of conflict of interests and creates an opportunity for courses or content to be delivered in a way not intended or approved.\n2.  Examinations of course providers have revealed that when this practice exists, the providers maintain little or no direct oversight of the delivery of the education being offered at client locations.\n3.  The employment of instructors not under direct control of the course provider creates accountability problems and undermines the ability for SRR to uniformly enforce the Standards of Conduct for Course Providers and other policies and poses a risk to the integrity of the mortgage education program.\n\n## Background \n\nSRR staff became increasingly aware of the practice of certifying client employee instructor through on-sight course exams conducted throughout 2015. Multiple exams revealed that the major",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_courseInstructorEligibilityPolicy.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_courseInstructorEligibilityPolicy.md",
      "headings": [
        "NMLS Approved Course Instructor Eligibility Policy {#nmlsFS_courseInstructorEligibilityPolicy .concept}",
        "Summary {#section_tms_h4g_c2c .section}",
        "Purpose of the Instructor Eligibility Policy {#section_d3t_34g_c2c .section}",
        "Background {#section_ctx_2qg_c2c .section}",
        "NMLS Instructor Eligibility Policy {#section_bpp_mqg_c2c .section}",
        "Effective Date {#section_jlt_kqg_c2c .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_courseInstructorEligibilityPolicy.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_courseInstructorEligibilityPolicy.md:chunk-1",
      "title": "NMLS Approved Course Instructor Eligibility Policy {#nmlsFS_courseInstructorEligibilityPolicy .concept}",
      "content": "ackground \n\nSRR staff became increasingly aware of the practice of certifying client employee instructor through on-sight course exams conducted throughout 2015. Multiple exams revealed that the majority of cases where a client instructor is employed, the approved course provider was not present at the client’s location and that courses were being delivered in a manner inconsistent with NMLS Policies.\n\nIn January 2016, the Mortgage Testing and Education Board \\(MTEB\\)[^1] voted to adopt the Instructor Eligibility Policy after SRR staff made the board aware of several problems it had discovered as a result of course examinations. Upon the recommendation of the MTEB, In March 2016, the NMLS Policy Committee[^2] voted to adopt the Instructor Eligibility Policy.\n\n## NMLS Instructor Eligibility Policy \n\nThe NMLS Instructor Eligibility Policy defines who may be employed by an NMLS-approved course provider as an instructor:\n\nThe individual teaching an NMLS-approved course is required to be an independent contractor or an employee of the organization NMLS has approved to be a course provider. A course provider may not hire or contract with in any manner - regardless of whether there is compensation or not - an individual who is an employee or contractor of a client company or an affiliate company.\n\n## Effective Date \n\nThis policy is effective May 30, 2016.\n\n**Parent topic:**Education Policies\n\n[^1]: Created in 2009 by the SRR Board of Managers, the MTEB is comprised of at least nine state regulators representing each of the five CSBS Districts and at least one AARMR representative. The MTEB performs an appellate role as necessary for investigations and provides guidance and recommendations to the SRR staff, the NMLS Policy Committee and the SRR board of Managers.\n[^2]: To assist it in making decisions and handling operational matters, the SRR Board of Managers created the NMLS Policy Committee \\(NMLSPC\\) which is comprised of 11 state regulators. The NMLS Policy Committee p",
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      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_courseInstructorEligibilityPolicy.md",
      "headings": [
        "NMLS Approved Course Instructor Eligibility Policy {#nmlsFS_courseInstructorEligibilityPolicy .concept}",
        "Summary {#section_tms_h4g_c2c .section}",
        "Purpose of the Instructor Eligibility Policy {#section_d3t_34g_c2c .section}",
        "Background {#section_ctx_2qg_c2c .section}",
        "NMLS Instructor Eligibility Policy {#section_bpp_mqg_c2c .section}",
        "Effective Date {#section_jlt_kqg_c2c .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_courseInstructorEligibilityPolicy.html",
      "snippet": null
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      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_courseInstructorEligibilityPolicy.md:chunk-2",
      "title": "NMLS Approved Course Instructor Eligibility Policy {#nmlsFS_courseInstructorEligibilityPolicy .concept}",
      "content": "t it in making decisions and handling operational matters, the SRR Board of Managers created the NMLS Policy Committee \\(NMLSPC\\) which is comprised of 11 state regulators. The NMLS Policy Committee provides SRR a mechanism to make policy decisions for NMLS with regards to its impact on meeting state licensing regulations. Decisions are made after considering input from NMLS Participating State Agencies, licensees and industry.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_courseInstructorEligibilityPolicy.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_courseInstructorEligibilityPolicy.md",
      "headings": [
        "NMLS Approved Course Instructor Eligibility Policy {#nmlsFS_courseInstructorEligibilityPolicy .concept}",
        "Summary {#section_tms_h4g_c2c .section}",
        "Purpose of the Instructor Eligibility Policy {#section_d3t_34g_c2c .section}",
        "Background {#section_ctx_2qg_c2c .section}",
        "NMLS Instructor Eligibility Policy {#section_bpp_mqg_c2c .section}",
        "Effective Date {#section_jlt_kqg_c2c .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_courseInstructorEligibilityPolicy.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_courseMaterialInstructorContact.md:chunk-0",
      "title": "1.6.5 Instructor Contact Information {#nmlsFS_courseMaterialInstructorContact .concept}",
      "content": "# 1.6.5 Instructor Contact Information \n\nIf applicable, students are to be provided with instructor contact information.\n\n**Parent topic:**1.6 Course Materials",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_courseMaterialInstructorContact.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_courseMaterialInstructorContact.md",
      "headings": [
        "1.6.5 Instructor Contact Information {#nmlsFS_courseMaterialInstructorContact .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_courseMaterialInstructorContact.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_courseMaterialsCitations.md:chunk-0",
      "title": "1.6.4 Requirement for Citation of References and APA Writing Style {#nmlsFS_courseMaterialsCitations .concept}",
      "content": "# 1.6.4 Requirement for Citation of References and APA Writing Style \n\nAll sources and references are required to be cited. Information pertaining to laws should be summarized with key points presented in bullet format or as distinct points with references made to the specific law or regulation.\n\nAdditionally, all references to federal and/or state laws are to be cited. Other sources used in the course must be properly cited to ensure copyright and intellectual properties are preserved.*\\(Examples on how to cite sources and references is available in the*Reference Guide: Citing Sources and Regulations in Course Materials*\\)* All references to racial and ethnic identity are to be made in accordance with the American Psychological Association \\(APA\\) style guide \\(see: Racial and ethnic identity\\).\n\n**Parent topic:**1.6 Course Materials",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_courseMaterialsCitations.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_courseMaterialsCitations.md",
      "headings": [
        "1.6.4 Requirement for Citation of References and APA Writing Style {#nmlsFS_courseMaterialsCitations .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_courseMaterialsCitations.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_courseMaterialsDelivery.md:chunk-0",
      "title": "1.6.1 Course Material Delivery {#nmlsFS_courseMaterialsDelivery .concept}",
      "content": "# 1.6.1 Course Material Delivery \n\nCourse materials, including but not limited to the course syllabus, are required to be delivered to a student as part of the course. The materials are to be distributed to the student either in person or made available by downloading either at the start of the course or as the course is progressing.\n\nIf there is an additional requirement not included as part of the course content \\(e.g. a textbook\\), the requirement must be identified in the course description such that the student is made aware of the requirement \\(and any associated costs\\) early enough to acquire the content prior to the course start date.\n\nUnless course materials are shipped prior to the start of the course, students need to be instructed how to access course materials. Accordingly, students need to be made aware of the following:\n\n-   Location for where to access materials;\n-   List of required materials so the student can verify they have them all;\n-   If necessary, technical or software requirements necessary to view the materials \\(i.e. Adobe Acrobat, MS Word, PowerPoint, etc.\\); and\n-   If necessary, password or any other authentication required to access the materials.\n\n**Parent topic:**1.6 Course Materials",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_courseMaterialsDelivery.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_courseMaterialsDelivery.md",
      "headings": [
        "1.6.1 Course Material Delivery {#nmlsFS_courseMaterialsDelivery .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_courseMaterialsDelivery.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_courseMaterialsDover.md:chunk-0",
      "title": "1.6.2 Requirement for Course Cover Page {#nmlsFS_courseMaterialsDover .concept}",
      "content": "# 1.6.2 Requirement for Course Cover Page \n\nEvery course is required to have a cover page that must include the following information:\n\n-   Name and address of the course provider that is approved to offer the course\n-   NMLS approved course provider number\n-   Title of the course as approved by NMLS\n-   NMLS approved course number\n-   Date of the course content\n-   Date of the course approval\n-   ROC\n\n**Parent topic:**1.6 Course Materials",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_courseMaterialsDover.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_courseMaterialsDover.md",
      "headings": [
        "1.6.2 Requirement for Course Cover Page {#nmlsFS_courseMaterialsDover .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_courseMaterialsDover.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_courseMaterialsSpecTechReq.md:chunk-0",
      "title": "1.6.6 Identify Specific Technology Requirements {#nmlsFS_courseMaterialsSpecTechReq .concept}",
      "content": "# 1.6.6 Identify Specific Technology Requirements \n\nIf there is a unique technology or software requirement necessary to complete the course, these are to be identified.\n\n**Parent topic:**1.6 Course Materials",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_courseMaterialsSpecTechReq.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_courseMaterialsSpecTechReq.md",
      "headings": [
        "1.6.6 Identify Specific Technology Requirements {#nmlsFS_courseMaterialsSpecTechReq .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_courseMaterialsSpecTechReq.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_courseMaterialsTechSupport.md:chunk-0",
      "title": "1.6.7 Technical Support {#nmlsFS_courseMaterialsTechSupport .concept}",
      "content": "# 1.6.7 Technical Support \n\nIf applicable, identify what technical support is available and how a student can access it. Course providers should also note the hours when technical support is available keeping in mind that some students may participate in the course during the evening hours or on the weekend.\n\n**Parent topic:**1.6 Course Materials",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_courseMaterialsTechSupport.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_courseMaterialsTechSupport.md",
      "headings": [
        "1.6.7 Technical Support {#nmlsFS_courseMaterialsTechSupport .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_courseMaterialsTechSupport.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_courseNameing.md:chunk-0",
      "title": "1.4 Course Naming {#nmlsFS_courseNameing .concept}",
      "content": "# 1.4 Course Naming \n\nTo ensure course names properly reflect the intended need to meet SAFE Act education requirements and to ensure MLOs are properly informed, the following course naming convention has been developed.\n\nAs a rule, each course name begins with the number of hours, the word SAFE, state and/or state agency abbreviation \\(if applicable\\), followed by the course category, and then the course title. The naming convention is as follows:\n\n-   **1.4.1 Pre-Licensure Courses**  \n\n-   **1.4.2 Continuing Education Courses**  \n\n**Parent topic:**Section 1: General Requirements for All Course Formats",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_courseNameing.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_courseNameing.md",
      "headings": [
        "1.4 Course Naming {#nmlsFS_courseNameing .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_courseNameing.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_courseTimeReqsStartEnd.md:chunk-0",
      "title": "1.5.1 Specified Start and End Time {#nmlsFS_courseTimeReqsStartEnd .concept}",
      "content": "# 1.5.1 Specified Start and End Time \n\nClassroom, classroom equivalent, and online instructor-led courses must have a specified start and end date and time.\n\nExample: course begins at 9AM ET and ends at 12PM ET.\n\n**Parent topic:**1.5 Time Requirements",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_courseTimeReqsStartEnd.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_courseTimeReqsStartEnd.md",
      "headings": [
        "1.5.1 Specified Start and End Time {#nmlsFS_courseTimeReqsStartEnd .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_courseTimeReqsStartEnd.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_deliveryFOrmats.md:chunk-0",
      "title": "1.3.3 Delivery Formats {#nmlsFS_deliveryFOrmats .concept}",
      "content": "# 1.3.3 Delivery Formats \n\n\\(a\\) All PE and CE course categories can be delivered in the classroom or classroom equivalent \\(webinar\\) format.\n\n\\(b\\) Online instructor led format is reserved for the following course categories:\n\n-   PE Federal Law\n-   PE Ethics\n-   PE Nontraditional\n-   PE Core\n-   PE Comprehensive\n-   PE Elective \\(not-state-specific\\)[^1]\n\n\\(c\\) Online self-study format is reserved for the following course categories:\n\n-   CE Federal Law\n-   CE Ethics\n-   CE Nontraditional\n-   CE Core\n-   CE Comprehensive\n-   CE Elective\n-   PE Elective \\(state-specific\\) [^1]\n\n**Parent topic:**1.3 Course Categories and Delivery Formats\n\n[^1]: Regarding online delivery - PE courses that are state specific, ten hours or less, and that are to be delivered online must be delivered in the online self-study format. All other PE courses to be delivered online must be delivered in the online instructor led format.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_deliveryFOrmats.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_deliveryFOrmats.md",
      "headings": [
        "1.3.3 Delivery Formats {#nmlsFS_deliveryFOrmats .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_deliveryFOrmats.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_edNotices.md:chunk-0",
      "title": "1.2.1 Education Notices: {#nmlsFS_edNotices .concept}",
      "content": "# 1.2.1 Education Notices: \n\nNMLS posts Education Notices to inform course providers of state agency’s requirements for topics and time.\n\nIn order for a course that is intended to meet an agency’s state-specific education requirements to be approved, the course must meet all course and time requirements as detailed in the Education Notice Education Notices can be found in the MLO Education Course Provider Resources section of the NMLS Resource Center. A list of agencies with a state-specific education requirement is available in the State-Specific Education Requirements \\(PE and CE\\).\n\n**Parent topic:**1.2 NMLS Course Approval",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_edNotices.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_edNotices.md",
      "headings": [
        "1.2.1 Education Notices: {#nmlsFS_edNotices .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_edNotices.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_endCourseAssessment.md:chunk-0",
      "title": "1.13 Requirement for End-of-Course Assessment {#nmlsFS_endCourseAssessment .concept}",
      "content": "# 1.13 Requirement for End-of-Course Assessment \n\nAll courses require an end of course learning assessment. The end of course assessment is only to be made available after all other course completion requirements have been met.\n\n## 1.13.1 All PE courses and online self-study courses are required to have an end-of-course exam { .section}\n\nFinal exam requirements are as follows:\n\n\\(a\\) The final exam may not be less than 15 questions for a course that is two \\(2\\) or fewer hours, and no less than 25 questions for a course that is three \\(3\\) or more hours.\n\n-   I. PE courses in the online self-study format that are state specific and ten \\(10\\) hours or less: The final exam may not be less than 25 questions for a course that is two \\(2\\) or fewer hours, and no less than 35 questions for a course that is three \\(3\\) or more hours.\n\n\\(b\\) Final exam questions must be pulled from a question bank with a 2:1 ratio.\n\n\\(c\\) Final exam questions must be related to the subject and content of the course and may not contain true/false questions.\n\n\\(d\\) Final exam questions must be of sufficient rigor that they support the course’s learning objectives, test the student’s knowledge, and ensure the student’s comprehension and retention of the material.\n\n\\(e\\) For a course two \\(2\\) or fewer hours, the final exam may not count for any more than 10 minutes towards the overall time of the course. For a course that is three \\(3\\) or more hours, the final exam is not to count for more than 20 minutes of overall course time.\n\n\\(f\\) Students who are required to retake the final exam are to be presented with a high percentage of different questions in randomized order.\n\n\\(g\\) Minimum passing score for a final exam is 70% \\(providers may set the passing score higher\\). The objective is to set the passing scores high enough as to give the exam legitimacy.\n\n\\(h\\) The course provider is to ensure mechanisms are in place to prevent the student from gaming or challenging the final exam by taking",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_endCourseAssessment.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_endCourseAssessment.md",
      "headings": [
        "1.13 Requirement for End-of-Course Assessment {#nmlsFS_endCourseAssessment .concept}",
        "1.13.1 All PE courses and online self-study courses are required to have an end-of-course exam { .section}",
        "1.13.2 For CE courses delivered in a classroom and classroom equivalent format, while an end-of-course exam is the preferred and easiest means to assess learning, the following are also acceptable with NMLS approval: { .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_endCourseAssessment.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_endCourseAssessment.md:chunk-1",
      "title": "1.13 Requirement for End-of-Course Assessment {#nmlsFS_endCourseAssessment .concept}",
      "content": "he passing scores high enough as to give the exam legitimacy.\n\n\\(h\\) The course provider is to ensure mechanisms are in place to prevent the student from gaming or challenging the final exam by taking and failing the exam as a means to learn questions and/or answers.\n\n\\(I\\) With NMLS approval, a provider may offer another type of end-of-course assessment provided the assessment is of sufficient length and rigor to satisfy the requirement that the student will demonstrate course proficiency.\n\n## 1.13.2 For CE courses delivered in a classroom and classroom equivalent format, while an end-of-course exam is the preferred and easiest means to assess learning, the following are also acceptable with NMLS approval: { .section}\n\n\\(a\\) Thorough review of a complex case study in which violations of federal and/or state laws are examined and discussed. Case studies must require students to apply the learning.\n\n\\(b\\) An exercise or activity that requires the student to apply the learning to complete a real world, residential mortgage lending task\\(s\\), e.g. taking a loan application, identifying red flags, preparing and presenting a Loan Estimate, etc.\n\n\\(c\\) With NMLS approval, a provider may offer another type of end-of-course assessment provided the assessment is of sufficient length and rigor to satisfy the requirement that the student will demonstrate course proficiency.\n\n**Parent topic:**Section 1: General Requirements for All Course Formats",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_endCourseAssessment.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_endCourseAssessment.md",
      "headings": [
        "1.13 Requirement for End-of-Course Assessment {#nmlsFS_endCourseAssessment .concept}",
        "1.13.1 All PE courses and online self-study courses are required to have an end-of-course exam { .section}",
        "1.13.2 For CE courses delivered in a classroom and classroom equivalent format, while an end-of-course exam is the preferred and easiest means to assess learning, the following are also acceptable with NMLS approval: { .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_endCourseAssessment.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_evidenceCourseComplete.md:chunk-0",
      "title": "1.12 Evidence of Course Completion {#nmlsFS_evidenceCourseComplete .concept}",
      "content": "# 1.12 Evidence of Course Completion \n\nIn accordance with Criteria 4 of Policy on Criteria for Granting Approval to Become an NMLS Approved Course Provider, the provider must have a means to measure/verify that a student has attended the course, along with a means to measure that a student has completed the course prior to issuing a course completion certificate.\n\nEnd of course assessment, attendance logs, and course time trackers, sign in sheets, etc., may be used as verification towards documenting that a student attended and completed an entire course. After verification of course completion, all course providers, regardless of course format, must present to the student a course completion certificate \\(see 1.14 Requirement for Issuance of Course Completion Certificate\\).\n\n**Parent topic:**Section 1: General Requirements for All Course Formats",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_evidenceCourseComplete.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_evidenceCourseComplete.md",
      "headings": [
        "1.12 Evidence of Course Completion {#nmlsFS_evidenceCourseComplete .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_evidenceCourseComplete.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_execSummary.md:chunk-0",
      "title": "Executive Overview {#nmlsFS_execSummary .concept}",
      "content": "# Executive Overview \n\nThis document outlines specific design and technical requirements associated with having a course approved by NMLS.\n\nThis document includes the requirements for all four course formats which may be employed to deliver NMLS approved education: classroom, classroom equivalent \\(webinar\\), online instructor-led \\(PE\\), and online self-study \\(CE\\). In accordance with Standards of Conduct for Course Providers \\(SOC\\), course providers are required to design and deliver courses in accordance with the specifications detailed in this document.\n\nThis document is organized into five sections:\n\nSection 1: Requirements for All Course Types\n:   Details specific requirements for all course formats, to include providing information on SAFE Act requirements, the course approval process, course naming convention, time requirements, instructor requirements, interaction, need for end-of course certificates, and end-of-course exams.\n\nSection 2: Requirements for Classroom Courses\n:   Lists specific requirements associated with delivering traditional classroom courses.\n\nSection 3: Requirements for Classroom Equivalent Courses\n:   Details requirements for classroom equivalent \\(webinar\\) courses to include providing information pertaining to course delivery requirements, need for student authentication, and details on other technical requirements.\n\nSection 4: Requirements for Online Instructor-Led Courses\n:   Provides information on course interactivity requirements, course design and LMS requirements, and outlines the process for getting these types of courses approved \\(including how to complete the time survey\\).\n\nSection 5: Requirements for Online Self-Study Courses\n:   Provides specific details about how online self-study courses need to be configured to meet interactivity and time requirements.\n\n**No changes to Version 17.**\n\n**Parent topic:**Functional Specifications for All NMLS Approved Courses \\(version 17\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_execSummary.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_execSummary.md",
      "headings": [
        "Executive Overview {#nmlsFS_execSummary .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_execSummary.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_feeSchedule.md:chunk-0",
      "title": "Fee Schedule for the SAFE MLO Test Administration and Education Services {#xd_8bf9f3ae4dc83de7-58202a2e-199433a1a71--7fd9 .concept}",
      "content": "# Fee Schedule for the SAFE MLO Test Administration and Education Services \n\nNMLS has set forth the following fees for Test Administration and Education Services. Effective April 1, 2013 \\| Reviewed April 26, 2021\n\n## Summary \n\nIn July 2008, The Housing and Economic Recovery Act \\(Public Law 110-289\\) was enacted. Title V of the Law, “Secure and Fair Enforcement for Mortgage Licensing Act of 2018” or SAFE Mortgage Licensing Act of 2008, established requirements for the licensing of Mortgage Loan Originators \\(MLOs\\). The SAFE Act requires MLOs to pass a qualified written test, to complete pre-licensure education courses, and to take annual continuing education courses. It requires NMLS to approve pre-licensure and continuing education courses. The Act permits NMLS to charge reasonable fees in carrying out its requirements.\n\nNMLS has set forth the following fees for Test Administration and Education Services. These fees are subject to change.\n\n## TEST ADMINISTRATION \n\nSAFE MLO Test - $110\n:   120 questions \\(115 scored\\); appointment time: 225 minutes\n\n    This fee is payable by an individual who is registering to take the SAFE MLO Test or by the company which may be enrolling its MLO\\(s\\) for the SAFE MLO Test.\n\n## EDUCATION SERVICES \n\nApproved Course Provider Fee: $400 per application \\(initial and renewal\\)\n:   -   Approval is good for 2 years.\n-   Renewal will occur every other year during the anniversary month of the initial approval This non-refundable application fee is payable by an organization at the time of application. Once approved, this status applies for two years. Renewal is due every other year on a rolling basis.\n\n    ABC Company submits an application on July 15, 2019 to become an NMLS approved course provider. The company pays the $400 non-refundable application fee at the time it submits its application. The company is approved to become a course provider on August 5, 2019. Its approval is active through August 31, 2020.\n\n    XYZ Company submits ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_feeSchedule.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_feeSchedule.md",
      "headings": [
        "Fee Schedule for the SAFE MLO Test Administration and Education Services {#xd_8bf9f3ae4dc83de7-58202a2e-199433a1a71--7fd9 .concept}",
        "Summary {#section_zfn_pzj_qgc .section}",
        "TEST ADMINISTRATION {#section_z5s_41k_qgc .section}",
        "EDUCATION SERVICES {#section_apj_r1k_qgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_feeSchedule.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_feeSchedule.md:chunk-1",
      "title": "Fee Schedule for the SAFE MLO Test Administration and Education Services {#xd_8bf9f3ae4dc83de7-58202a2e-199433a1a71--7fd9 .concept}",
      "content": "application fee at the time it submits its application. The company is approved to become a course provider on August 5, 2019. Its approval is active through August 31, 2020.\n\n    XYZ Company submits a renewal application on February 10, 2019 to maintain its NMLS approved course provider status. The company pays the $400 non-refundable application fee at the time it submits its application. The renewal application is approved on February 21, 2019. The company’s approval is active through February 28, 2021.\n\nCourse Approval Fee - $300 plus $20 per hour / Renewal - $200 plus $20 per hour\n:   -   Course approval is good for one year.\n-   Annual renewal will occur during the anniversary month of the initial course approval.\n\n    This non-refundable application fee is payable by an organization at the time of application. Once approved, this status applies for one year. Renewal is due every year on a rolling basis.\n\n    ABC Company is an Approved Course Provider and submits an application to have a 20-hour course approved. The company pays a non-refundable $300 application fee plus $20 for each course hour for a total of $700. Course application is approved on July 12, 2019, the course is active until its annual renewal deadline of July 31, 2020.\n\n    During the course approval renewal window of July 1 – July 31, 2019, ABC Company submits an application to renew a course and pays a non-refundable $200 plus $15 per credit hour fee for a total of $500. The renewal application is approved and the course remains in its approval status through July 31, 2020.\n\nCredit Banking - $1.50 per hour\n:   Credit Banking is the process where an NMLS Approved Course Provider records a candidate’s or licensee’s SAFE-required education hours into NMLS. This non-refundable credit banking fee is payable by the Approved Course Provider to NMLS at the time of credit banking.\n\n    Company ABC offers a 3-hour pre-licensure course for 35 MLO’s. At the completion of the course ABC Company uploads t",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_feeSchedule.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_feeSchedule.md",
      "headings": [
        "Fee Schedule for the SAFE MLO Test Administration and Education Services {#xd_8bf9f3ae4dc83de7-58202a2e-199433a1a71--7fd9 .concept}",
        "Summary {#section_zfn_pzj_qgc .section}",
        "TEST ADMINISTRATION {#section_z5s_41k_qgc .section}",
        "EDUCATION SERVICES {#section_apj_r1k_qgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_feeSchedule.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_feeSchedule.md:chunk-2",
      "title": "Fee Schedule for the SAFE MLO Test Administration and Education Services {#xd_8bf9f3ae4dc83de7-58202a2e-199433a1a71--7fd9 .concept}",
      "content": "payable by the Approved Course Provider to NMLS at the time of credit banking.\n\n    Company ABC offers a 3-hour pre-licensure course for 35 MLO’s. At the completion of the course ABC Company uploads the course roster to NMLS and pays a credit banking fee of $157.50 \\($1.50 x 35 x 3\\).\n\n**Parent topic:**Education Policies",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_feeSchedule.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_feeSchedule.md",
      "headings": [
        "Fee Schedule for the SAFE MLO Test Administration and Education Services {#xd_8bf9f3ae4dc83de7-58202a2e-199433a1a71--7fd9 .concept}",
        "Summary {#section_zfn_pzj_qgc .section}",
        "TEST ADMINISTRATION {#section_z5s_41k_qgc .section}",
        "EDUCATION SERVICES {#section_apj_r1k_qgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_feeSchedule.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_genReqs.md:chunk-0",
      "title": "Section 1: General Requirements for All Course Formats {#nmlsFS_genReqs .concept}",
      "content": "# Section 1: General Requirements for All Course Formats \n\nThe following section is applicable to ALL course formats, classroom course, classroom equivalent course \\(webinar\\), online instructor-led, and online self-study.\n\nBe sure to review requirements for specific course formats AFTER ensuring that a course meets the general requirements listed below.\n\n-   **1.1 SAFE Act Education Requirements**  \nThe Secure and Fair Enforcement for Mortgage Licensing Act of 2008 \\(SAFE Act\\) requires that state-licensed mortgage loan originators \\(MLOs\\) complete pre-licensure and annual continuing education.\n-   **1.2 NMLS Course Approval**  \nIn situations where States, through the passage of their own SAFE Act legislation, have mandated that state-licensed MLOs complete additional hours of pre-licensure and/or continuing education that exceed the federal requirement; or in situations where states have mandated that a certain number of the 12 hours of electives associated with meeting the pre-licensure requirement or the 1 hour of elective associated with fulfilling the annual continuing education requirement, NMLS will, if the state so desires, approve these courses in cooperation with the respective state agency.\n-   **1.3 Course Categories and Delivery Formats**  \nWhen submitting a course for NMLS approval, course providers are required to identify which course category of the SAFE Act requirement the course is intended to satisfy, and the format in which the course will be delivered.\n-   **1.4 Course Naming**  \nTo ensure course names properly reflect the intended need to meet SAFE Act education requirements and to ensure MLOs are properly informed, the following course naming convention has been developed.\n-   **1.5 Time Requirements**  \nEvery course is to be designed appropriately for adult learners such that it contains sufficient content and/or activities to meet the minimum time requirement of 50 seat minutes for each clock hour the course is approved. Course design mus",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_genReqs.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_genReqs.md",
      "headings": [
        "Section 1: General Requirements for All Course Formats {#nmlsFS_genReqs .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_genReqs.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_genReqs.md:chunk-1",
      "title": "Section 1: General Requirements for All Course Formats {#nmlsFS_genReqs .concept}",
      "content": "tely for adult learners such that it contains sufficient content and/or activities to meet the minimum time requirement of 50 seat minutes for each clock hour the course is approved. Course design must ensure that the minimum time required by the **SAFE Act** is received for the specific course topics.\n-   **1.6 Course Materials**  \n\n-   **1.7 Instructor Skills and Qualifications**  \nCourse providers are to ensure and be prepared to provide evidence that instructors are qualified and meet legal requirements to instruct NMLS approved courses. Instructors must be knowledgeable in the course subject matter as a result of either relevant academic and / or professional experience.\n-   **1.8 Course Facilitators**  \nProviders delivering a course to a large audience are required to employ facilitators to assist with student checking in, attendance verification, and to handle other administrative activities. Facilitators may also be employed to assist with answering of questions, passing information, and/or performing other duties that will ensure optimal course delivery and instructor-to-student interaction.\n-   **1.9 Course Content Organization**  \nCourse content is to be organized and delivered in a linear fashion to present information in a logical and engaging manner.\n-   **1.10 Interaction**  \nCourses are to be designed and delivered to ensure that activities facilitate as much interaction as possible and that this interaction is appropriate for the course format and adult learners.\n-   **1.11 Measuring Student Satisfaction**  \nCourse providers must have a means by which to measure student satisfaction. Course providers need to be prepared to demonstrate that end-of-course evaluations/surveys are being completed and that substantive feedback is being incorporated in the course material.\n-   **1.12 Evidence of Course Completion**  \nIn accordance with Criteria 4 of Policy on Criteria for Granting Approval to Become an NMLS Approved Course Provider, the provider must have",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_genReqs.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_genReqs.md",
      "headings": [
        "Section 1: General Requirements for All Course Formats {#nmlsFS_genReqs .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_genReqs.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_genReqs.md:chunk-2",
      "title": "Section 1: General Requirements for All Course Formats {#nmlsFS_genReqs .concept}",
      "content": "urse material.\n-   **1.12 Evidence of Course Completion**  \nIn accordance with Criteria 4 of Policy on Criteria for Granting Approval to Become an NMLS Approved Course Provider, the provider must have a means to measure/verify that a student has attended the course, along with a means to measure that a student has completed the course prior to issuing a course completion certificate.\n-   **1.13 Requirement for End-of-Course Assessment**  \nAll courses require an end of course learning assessment. The end of course assessment is only to be made available after all other course completion requirements have been met.\n-   **1.14 Requirement for Issuance of Course Completion Certificate**  \nEvery student, at the end of every course, is required to be issued a course completion certificate. At a minimum, the course completion certificate must include:\n-   **1.15 Requirement for Issuance and Retention of Rules of Conduct for Students**  \n Course providers are required to display and have students agree to the Rules of Conduct for Students \\(ROCS\\) V4.\n-   **1.16 Statement Regarding Approval of Courses for Use on Hand-Held Electronic Devices**  \nNMLS approves online courses for consumption on desktop and laptop computers. NMLS has not established technical requirements for and has not approved courses for use on small hand-held electronic devices such as the iPad, iPhone, tablets, phablets, smart phones, etc.\n-   **1.17 NMLS Approved Course Data and Document Retention Policy**  \nPer Section 3\\(F\\) of the Standards of Conduct for Approved Course Providers, as a condition for achieving and maintaining NMLS approval status, Course Provider must have in place processes for the retention of data and documents associated with the delivery of NMLS approved courses for a period of five years.\n-   **1.18 NMLS Approved Topics List**  \nThe purpose of NMLS Policy on Approved and Not Approved Topic List for Pre-Licensure and Continuing Education Intended to Satisfy SAFE Act Education Req",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_genReqs.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_genReqs.md",
      "headings": [
        "Section 1: General Requirements for All Course Formats {#nmlsFS_genReqs .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_genReqs.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_genReqs.md:chunk-3",
      "title": "Section 1: General Requirements for All Course Formats {#nmlsFS_genReqs .concept}",
      "content": "years.\n-   **1.18 NMLS Approved Topics List**  \nThe purpose of NMLS Policy on Approved and Not Approved Topic List for Pre-Licensure and Continuing Education Intended to Satisfy SAFE Act Education Requirements is to identify the pre-licensure \\(PE\\) and continuing education \\(CE\\) topics NMLS has determined will satisfy the education requirements of the **SAFE Act**.\n\n**Parent topic:**Functional Specifications for All NMLS Approved Courses \\(version 17\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_genReqs.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_genReqs.md",
      "headings": [
        "Section 1: General Requirements for All Course Formats {#nmlsFS_genReqs .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_genReqs.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_instructorSKill.md:chunk-0",
      "title": "1.7 Instructor Skills and Qualifications {#nmlsFS_instructorSKill .concept}",
      "content": "# 1.7 Instructor Skills and Qualifications \n\nCourse providers are to ensure and be prepared to provide evidence that instructors are qualified and meet legal requirements to instruct NMLS approved courses. Instructors must be knowledgeable in the course subject matter as a result of either relevant academic and / or professional experience.\n\n-   **1.7.1 Instructor Skills**  \nInstructors are to possess the following skills and qualifications:\n-   **1.7.2 Instructor Qualifications**  \nInstructors must demonstrate through recent and verifiable experience, credentials and/or other means that s/he is a subject matter expert in one or more areas of mortgage loan origination laws and practices including, but not limited to:\n-   **1.7.3 Instructor Eligibility**  \nPer the NMLS Approved Course Instructor Eligibility Policy, the individual teaching an NMLS-approved course is required to be an independent contractor or an employee of the organization NMLS has approved to be a course provider.\n\n**Parent topic:**Section 1: General Requirements for All Course Formats",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_instructorSKill.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_instructorSKill.md",
      "headings": [
        "1.7 Instructor Skills and Qualifications {#nmlsFS_instructorSKill .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_instructorSKill.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_instructorSkillDetail.md:chunk-0",
      "title": "1.7.1 Instructor Skills {#nmlsFS_instructorSkillDetail .concept}",
      "content": "# 1.7.1 Instructor Skills \n\nInstructors are to possess the following skills and qualifications:\n\n\\(a\\) Interpersonal Skills\n:   Instructors are to possess excellent interpersonal skills that foster relationship and team building. Instructors need to be able to work appropriately with diverse groups of people. Instructors are required to be respectful of and refrain from making comments that may reveal political, cultural, or gender bias.\n\n\\(b\\) Communication Skills\n:   Instructors are required to use language, including industry terminology, confidently and appropriately.\n\n\\(c\\) Teaching Skills\n:   Instructors are to possess the ability to share information one-to-one or one-to-many. Additionally, the instructor must be able to demonstrate mastery of the course material, plan lessons and lead students through the course topics, and collect and use information from a diverse set of resources. Instructors are required to distill complex information and/or concepts in such a manner that students can learn the information.\n\n    **Note:** Simply reading from the text, materials, or state / federal statues with little or no interaction and / or synthesis of the material does not meet the definition of teaching. The employment of “canned” responses in online instructor-led course is also not defined as teaching.\n\n\\(d\\) Organizational Skills\n:   Instructors need to be able to set goals \\(generally in the form of learning objectives\\), plan activities, establish priorities, and manage time.\n\n**Parent topic:**1.7 Instructor Skills and Qualifications",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_instructorSkillDetail.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_instructorSkillDetail.md",
      "headings": [
        "1.7.1 Instructor Skills {#nmlsFS_instructorSkillDetail .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_instructorSkillDetail.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_instructorSkill_Qualification.md:chunk-0",
      "title": "1.7.2 Instructor Qualifications {#nmlsFS_instructorSkill_Qualification .concept}",
      "content": "# 1.7.2 Instructor Qualifications \n\nInstructors must demonstrate through recent and verifiable experience, credentials and/or other means that s/he is a subject matter expert in one or more areas of mortgage loan origination laws and practices including, but not limited to:\n\n-   Federal law and regulations;\n-   State laws and regulations \\(for one or more state and/or agencies\\); and\n-   General mortgage origination knowledge and practices.\n\nDetailed requirements for instructors from various segments of the mortgage industry are as follows:\n\n\\(a\\) Industry Professional\n:   It is expected that instructors will have a least five \\(5\\) years of professional experience in the industry in a position \\(or positions\\) that bears directly on mortgage loan origination practices including but not limited to origination, underwriting, secondary marketing, operations compliance, quality control, and/or other comparable positions.\n\n\\(b\\) Federal/State Regulator\n:   It is expected that regulatory instructors \\(state or federal\\) must have at least three \\(3\\) years of responsible experience in a regulatory position \\(or positions\\) including the conduct or supervision of mortgage company examinations \\(brokers and/or lenders\\), consumer complaint investigation and resolution, or mortgage legal affairs.\n\n\\(c\\) Associated Mortgage GSE Professional\n:   It is expected that instructors formerly or currently associated with Mortgage GSE’s have a minimum of three \\(3\\) years of responsible experience in a position that is comparable to either the industry professional or regulator position described above.\n\n\\(d\\) Experience as an Instructor\n:   It is expected that those who are teaching courses will have had experience teaching adult learners and will be in possession of the skills as listed above.\n\nIt is preferred but not required that the instructor have a BA / BS degree from a regionally accredited institution and/or equivalent experience and credentials.\n\nInstructors must also meet ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_instructorSkill_Qualification.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_instructorSkill_Qualification.md",
      "headings": [
        "1.7.2 Instructor Qualifications {#nmlsFS_instructorSkill_Qualification .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_instructorSkill_Qualification.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_instructorSkill_Qualification.md:chunk-1",
      "title": "1.7.2 Instructor Qualifications {#nmlsFS_instructorSkill_Qualification .concept}",
      "content": "d above.\n\nIt is preferred but not required that the instructor have a BA / BS degree from a regionally accredited institution and/or equivalent experience and credentials.\n\nInstructors must also meet the minimum requirements for a criminal background check that are included in the SAFE Act \\(See Section 1505\\(b\\)\\(1-3\\)\\).\n\n**Parent topic:**1.7 Instructor Skills and Qualifications",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_instructorSkill_Qualification.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_instructorSkill_Qualification.md",
      "headings": [
        "1.7.2 Instructor Qualifications {#nmlsFS_instructorSkill_Qualification .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_instructorSkill_Qualification.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_instructorSkill_eligibility.md:chunk-0",
      "title": "1.7.3 Instructor Eligibility {#nmlsFS_instructorSkill_eligibility .concept}",
      "content": "# 1.7.3 Instructor Eligibility \n\nPer the NMLS Approved Course Instructor Eligibility Policy, the individual teaching an NMLS-approved course is required to be an independent contractor or an employee of the organization NMLS has approved to be a course provider.\n\nA course provider may not hire or contract with in any manner—regardless of whether there is compensation or not—an individual who is an employee or contractor of a client company or an affiliate company.\n\n**Parent topic:**1.7 Instructor Skills and Qualifications",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_instructorSkill_eligibility.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_instructorSkill_eligibility.md",
      "headings": [
        "1.7.3 Instructor Eligibility {#nmlsFS_instructorSkill_eligibility .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_instructorSkill_eligibility.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_interaction.md:chunk-0",
      "title": "1.10 Interaction {#nmlsFS_interaction .concept}",
      "content": "# 1.10 Interaction \n\nCourses are to be designed and delivered to ensure that activities facilitate as much interaction as possible and that this interaction is appropriate for the course format and adult learners.\n\nActivities are to be appropriate for the instructional format and are to be incorporated at multiple points throughout the course to provide the student with varying levels of engagement.\n\n**Note:** As stated in Section 1.5.5 Maximum Course Session, periods of course inactivity are not to count towards seat time.\n\n-   **1.10.1 Instructor-to-Student Interaction**  \nInteraction within the learning environment is required to ensure students are engaged in the course.\n-   **1.10.2 Student-to-Content Interaction**  \nCourses must be designed and delivered in a manner that requires the students to interact with course content.\n-   **1.10.3 Quizzes and Exams**  \n\n-   **1.10.4 Requirement for Inclusion of Case Studies**  \nAll courses are required to include case studies that reinforce learning objectives and provide context for how federal and/or state law\\(s\\) apply in real-world situations \\(these can be actual cases \\(i.e. example of mortgage fraud or other regulatory actions or made-up scenarios\\).\n-   **1.10.5 Course Rigor**  \n Courses are to be designed such that tey promote learning and understanding of the topic by adult learners. Rigor is defined as a degree of difficulty that necessitates the need for the learner to listen and/or read and engage with the course content/instruction to complete the course requirements.\n\n**Parent topic:**Section 1: General Requirements for All Course Formats",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_interaction.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_interaction.md",
      "headings": [
        "1.10 Interaction {#nmlsFS_interaction .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_interaction.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_interactionCaseStudyReq.md:chunk-0",
      "title": "1.10.4 Requirement for Inclusion of Case Studies {#nmlsFS_interactionCaseStudyReq .concept}",
      "content": "# 1.10.4 Requirement for Inclusion of Case Studies \n\nAll courses are required to include case studies that reinforce learning objectives and provide context for how federal and/or state law\\(s\\) apply in real-world situations \\(these can be actual cases \\(i.e. example of mortgage fraud or other regulatory actions or made-up scenarios\\).\n\nCase studies are to align with the learning objective\\(s\\) of the module or unit of instruction and are required to be of sufficient detail and/or complexity to ensure the student will grasp the importance and applicability of the issue being discussed. Case studies are also to be contextual to the course topic \\(not generic\\). For state-specific courses, case studies are to be relevant to the specific state law\\(s\\), regulation\\(s\\), statute\\(s\\), and/or rule\\(s\\) in which the course is being approved. Additional guidance on case studies is included as Appendix B.\n\n**Parent topic:**1.10 Interaction",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_interactionCaseStudyReq.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_interactionCaseStudyReq.md",
      "headings": [
        "1.10.4 Requirement for Inclusion of Case Studies {#nmlsFS_interactionCaseStudyReq .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_interactionCaseStudyReq.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_interactionCourseRigor.md:chunk-0",
      "title": "1.10.5 Course Rigor {#nmlsFS_interactionCourseRigor .concept}",
      "content": "# 1.10.5 Course Rigor \n\nCourses are to be designed such that tey promote learning and understanding of the topic by adult learners. Rigor is defined as a degree of difficulty that necessitates the need for the learner to listen and/or read and engage with the course content/instruction to complete the course requirements.\n\n**Parent topic:**1.10 Interaction",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_interactionCourseRigor.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_interactionCourseRigor.md",
      "headings": [
        "1.10.5 Course Rigor {#nmlsFS_interactionCourseRigor .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_interactionCourseRigor.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_interactionInstructorToStudent.md:chunk-0",
      "title": "1.10.1 Instructor-to-Student Interaction {#nmlsFS_interactionInstructorToStudent .concept}",
      "content": "# 1.10.1 Instructor-to-Student Interaction \n\nInteraction within the learning environment is required to ensure students are engaged in the course.\n\n**Note:** Passive, one-way communication in which an instructor only reads and/or gives a lecture while a student mutely attends the course does not meet the definition of interaction and is not considered by NMLS to be an acceptable means of course delivery.\n\nAs a condition for classroom course, classroom equivalent course \\(webinar\\), and online instructor-led course approval, the course must include defined activities that facilitate interaction between the instructor and student;\n\n**Note:** such activities must be continual and obvious throughout the entire course.\n\n**Parent topic:**1.10 Interaction",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_interactionInstructorToStudent.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_interactionInstructorToStudent.md",
      "headings": [
        "1.10.1 Instructor-to-Student Interaction {#nmlsFS_interactionInstructorToStudent .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_interactionInstructorToStudent.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_interactionQuizExam.md:chunk-0",
      "title": "1.10.3 Quizzes and Exams {#nmlsFS_interactionQuizExam .concept}",
      "content": "# 1.10.3 Quizzes and Exams \n\nQuizzes and Exams must include the following:\n\n-   Inform the student how much time they have.\n-   Inform the student of the score required to pass.\n-   Allow a reasonable number of retake opportunities if the minimum passing score is not reached.\n-   Quizzes and exams may be employed as part of the course instruction to reinforce learning objectives. Providers are required to design quizzes and exams such that the student cannot accrue time or game the exam /quiz by rapidly completing the quiz /exam with incorrect answers, retrieve the correct answers, and then subsequently pass the quiz/ exam using the answers provided.\n-   Quiz passing scores must be high enough as to give the quiz legitimacy.\n-   Minimum passing score for a final exam is 70% \\(providers may set the passing score higher\\).\n-   Online courses are to employ a process by which questions are randomly sequenced each time a quiz or exam is administered. Randomly sequencing the questions forces the student to read each question and minimizes the potential of a student attempting to pass the quiz or exam based upon knowing the sequence of correct answers. For example, a quiz with ten questions may be presented with questions one through ten in the following order: 1, 3, 8, 5, 9, 2, 7, 4, 10, and 6. The next student \\(or the same student taking the quiz a subsequent time\\) might see the questions presented in a different order such as: 7, 4, 8, 9, 2, 5, 1, 6, 10, and 3.\n\n**Parent topic:**1.10 Interaction",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_interactionQuizExam.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_interactionQuizExam.md",
      "headings": [
        "1.10.3 Quizzes and Exams {#nmlsFS_interactionQuizExam .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_interactionQuizExam.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_interactionStudent2Content.md:chunk-0",
      "title": "1.10.2 Student-to-Content Interaction {#nmlsFS_interactionStudent2Content .concept}",
      "content": "# 1.10.2 Student-to-Content Interaction \n\nCourses must be designed and delivered in a manner that requires the students to interact with course content.\n\nA course that is constructed in such a way that the student is required to only passively read or listen for a significant amount of time does not meet the definition of interaction. Content must be supplemented with thoughtful case studies, quizzes, learning activities, and an end-of-course assessment, all of which are to be designed to support the learning objectives of the course.\n\n**Parent topic:**1.10 Interaction",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_interactionStudent2Content.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_interactionStudent2Content.md",
      "headings": [
        "1.10.2 Student-to-Content Interaction {#nmlsFS_interactionStudent2Content .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_interactionStudent2Content.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_issueCourseCompCert.md:chunk-0",
      "title": "1.14 Requirement for Issuance of Course Completion Certificate {#nmlsFS_issueCourseCompCert .concept}",
      "content": "# 1.14 Requirement for Issuance of Course Completion Certificate \n\nEvery student, at the end of every course, is required to be issued a course completion certificate. At a minimum, the course completion certificate must include:\n\n\\(a\\) the name of course provider\n\n\\(b\\) the course number\n\n\\(c\\) the course title\n\n\\(d\\) the course completion date\n\n\\(e\\) the MLO’s name\n\n\\(f\\) MLO’s NMLS ID number\n\n\\(g\\) Attestation statement placed at the end of the course completion certificate:\n\n> By accepting this certificate, I hereby acknowledge receipt of my course completion and authorize the education provider to report my education hours to NMLS. I am the named person on this certificate and have completed this course. I further attest I completed the course in accordance with the Rules of Conduct.\n\n**Note:** Must use a minimum of 10-12pt font for the attestation statement on certificates.\n\n**Note:** The failure of student to complete an end-of-course survey is not be used as justification to not issue the course completion certificate and/or credit bank the student’s hours.\n\n**Note:** Providers are not to have a student fill in the information on their own course completion certificate.\n\n**Parent topic:**Section 1: General Requirements for All Course Formats",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_issueCourseCompCert.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_issueCourseCompCert.md",
      "headings": [
        "1.14 Requirement for Issuance of Course Completion Certificate {#nmlsFS_issueCourseCompCert .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_issueCourseCompCert.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_measureStuSat.md:chunk-0",
      "title": "1.11 Measuring Student Satisfaction {#nmlsFS_measureStuSat .concept}",
      "content": "# 1.11 Measuring Student Satisfaction \n\nCourse providers must have a means by which to measure student satisfaction. Course providers need to be prepared to demonstrate that end-of-course evaluations/surveys are being completed and that substantive feedback is being incorporated in the course material.\n\n**Parent topic:**Section 1: General Requirements for All Course Formats",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_measureStuSat.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_measureStuSat.md",
      "headings": [
        "1.11 Measuring Student Satisfaction {#nmlsFS_measureStuSat .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_measureStuSat.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_namingContinueEdCourses.md:chunk-0",
      "title": "1.4.2 Continuing Education Courses {#nmlsFS_namingContinueEdCourses .concept}",
      "content": "# 1.4.2 Continuing Education Courses \n\n\\(a\\) Individual Core Course Federal Law\n:   Courses intending to satisfy the federal law portion of the **SAFE Act** requirements. The course title must begin with the number of hours \\(3 Hour\\), the word *SAFE*, and must contain the words *Federal* and *Law*.\n\n    Example: 3 Hour SAFE: Federal Mortgage Law.\n\n\\(b\\) Individual Core Course Ethics\n:   Courses intending to satisfy the ethics portion of the **SAFE Act** requirements. The course title must begin with the number of hours \\(2 Hour\\), the word *SAFE*, and must contain the word *Ethics,* as well as *Fraud*, or *Consumer Protection*, or *Fair Lending*.\n\n    Example: 2 Hour SAFE: What the Loan Originator Needs to Know About Ethics and Consumer Protection.\n\n\\(c\\) Individual Core Course Nontraditional Mortgage\n:   Courses intending to satisfy the nontraditional mortgage portion of the **SAFE Act** requirements. The course title must begin with the number of hours \\(2 Hour\\), the word *SAFE*, and must contain the words *Nontraditional* and *Mortgage*.\n\n    Example: 2 Hour SAFE: Emerging Trends for Nontraditional Mortgages.\n\n\\(d\\) Individual Elective Course\n:   Course intending to satisfy the elective portion of the **SAFE Act** requirements. The course title must begin with the number of hours \\(1 Hour\\), and the word *SAFE*.\n\n    Example: 1 Hour SAFE: Understanding TRID\n\n\\(e\\) Individual Elective Course \\(State Agency Specific\\)\n:   Course intending to satisfy only a state agency specific education requirement. These courses need to cover the required topics as mandated by the state agency and/or solely focus on state specific laws and regulations and must include citations and references to state laws as well as state agency specific case studies. The number of hours can exceed but is never less than the number of hours required by the state agency. The course title must begin with the number of hours, the State’s two letter abbreviation \\(and the state agency abbreviation",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_namingContinueEdCourses.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_namingContinueEdCourses.md",
      "headings": [
        "1.4.2 Continuing Education Courses {#nmlsFS_namingContinueEdCourses .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_namingContinueEdCourses.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_namingContinueEdCourses.md:chunk-1",
      "title": "1.4.2 Continuing Education Courses {#nmlsFS_namingContinueEdCourses .concept}",
      "content": "d but is never less than the number of hours required by the state agency. The course title must begin with the number of hours, the State’s two letter abbreviation \\(and the state agency abbreviation if applicable\\), and the word *SAFE*.\n\n    **Note:** The following states have two licensing agencies or laws and require the state agency code in the course title: CA-BRE, CA-DFPI, IN-DFI, IN-SOS, OH-OMLA, OH-OMBA, SC-BFI, SC-DCA, TX-OCCC, TX-SML, UT-DFI, UT-DRE.\n\n    Example: 1 Hour NC SAFE: North Carolina Law Update\n\n    Example: 4 Hour KY SAFE: State Law Review\n\n    Example: 1 Hour CA-DFPI SAFE: Understanding State Law\n\n\\(f\\) Core Course\n:   Courses intending to satisfy each of the three **SAFE Act** course requirements \\(federal law, ethics, and nontraditional mortgage\\). The course title must begin with the number of hours \\(7 Hour\\) and the words *SAFE Core*.\n\n    Example: 7 Hour SAFE Core: Loan Originators Basics.\n\n\\(g\\) Comprehensive Course\n:   Courses intending to satisfy all of the continuing education requirements of the **SAFE Act**. The course title must begin with the number of hours \\(8 Hour\\), and the words SAFE *Comprehensive*.\n\n    Example: 8 Hour SAFE Comprehensive: Mortgage Loan Originator Course.\n\n    1.  **Comprehensive Course with State Agency Specific Content:** Courses intending to satisfy all of the continuing education requirements of the **SAFE Act** and containing state agency specific content. The course title must begin with the number of hours, the State’s two letter abbreviation \\(and the state agency code if applicable\\), and the words *SAFE Comprehensive*.\n\n        **Note:** The following states have two licensing agencies or laws and require the state agency code in the course title: CA-BRE, CA-DFPI, IN-DFI, IN-SOS, OH-OMLA, OH-OMBA, SC-BFI, SC-DCA, TX-OCCC, TX-SML, UT-DFI, UT-DRE.\n\n        Example: 8 Hour NC SAFE Comprehensive: Compliance in NC\n\n        Example: 12 Hour KY SAFE Comprehensive: Annual Course\n\n        Example: 8 Hour ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_namingContinueEdCourses.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_namingContinueEdCourses.md",
      "headings": [
        "1.4.2 Continuing Education Courses {#nmlsFS_namingContinueEdCourses .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_namingContinueEdCourses.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_namingContinueEdCourses.md:chunk-2",
      "title": "1.4.2 Continuing Education Courses {#nmlsFS_namingContinueEdCourses .concept}",
      "content": "-BFI, SC-DCA, TX-OCCC, TX-SML, UT-DFI, UT-DRE.\n\n        Example: 8 Hour NC SAFE Comprehensive: Compliance in NC\n\n        Example: 12 Hour KY SAFE Comprehensive: Annual Course\n\n        Example: 8 Hour TX-SML SAFE Comprehensive: Annual MLO Fundamentals\n\n**Parent topic:**1.4 Course Naming",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_namingContinueEdCourses.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_namingContinueEdCourses.md",
      "headings": [
        "1.4.2 Continuing Education Courses {#nmlsFS_namingContinueEdCourses .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_namingContinueEdCourses.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_namingPreLicenseCourses.md:chunk-0",
      "title": "1.4.1 Pre-Licensure Courses {#nmlsFS_namingPreLicenseCourses .concept}",
      "content": "# 1.4.1 Pre-Licensure Courses \n\n\\(a\\) Individual Core Course Federal Law\n:   Courses intending to satisfy the federal law portion of the **SAFE Act** requirements. The course title must begin with the number of hours \\(3 Hour\\), the word *SAFE*, and must contain the words *Federal* and *Law*.\n\n    Example: 3 Hour SAFE: Federal Mortgage Law.\n\n\\(b\\) Individual Core Course Ethics\n:   Courses intending to satisfy the ethics portion of the **SAFE Act** requirements. The course title must begin with the number of hours \\(3 Hour\\), the word *SAFE*, and must contain the word *Ethics* as well as *Fraud*, or *Consumer Protection*, or *Fair Lending*.\n\n    Example: 3 Hour SAFE: What the Loan Originator Needs to Know About Ethics and Consumer Protection.\n\n\\(c\\) Individual Core Course Nontraditional Mortgage\n:   Courses intending to satisfy the nontraditional mortgage portion of the **SAFE Act** requirements. The course title must begin with the number of hours \\(2 Hour\\), the word *SAFE*, and must contain the words *Nontraditional* and *Mortgage*.\n\n    Example: 2 Hour SAFE: Emergent Standards for Nontraditional Mortgages.\n\n\\(d\\) Individual Elective Course\n:   Course intending to satisfy all or a portion of the elective portion of the **SAFE Act** requirements. The course title must begin with the number of hours \\(can be no less than 1 Hour\\), the word *SAFE*. Example: 1 Hour SAFE: Understanding TRID\n\n    1.  **Individual Elective Course \\(State Agency Specific\\)**: Course intending to satisfy only a state agency specific education requirement. These courses need to cover the required topics as mandated by the state agency and/or domain topics for the state test outline and must include citations and references to state laws as well as state agency specific case studies. The number of hours can exceed but is never less than the number of hours required by the state agency. The course title must begin with the number of hours, the State’s two letter abbreviation \\(and the state a",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_namingPreLicenseCourses.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_namingPreLicenseCourses.md",
      "headings": [
        "1.4.1 Pre-Licensure Courses {#nmlsFS_namingPreLicenseCourses .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_namingPreLicenseCourses.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_namingPreLicenseCourses.md:chunk-1",
      "title": "1.4.1 Pre-Licensure Courses {#nmlsFS_namingPreLicenseCourses .concept}",
      "content": "of hours can exceed but is never less than the number of hours required by the state agency. The course title must begin with the number of hours, the State’s two letter abbreviation \\(and the state agency abbreviation if applicable\\), and the word *SAFE*.\n\n        **Note:** The following states have two licensing agencies or laws and require the state agency code in the course title: CA-BRE, CA-DFPI, IN-DFI, IN-SOS, OH-OMLA, OH-OMBA, SC-BFI, SC-DCA, TX-OCCC, TX-SML, UT-DFI, UT-DRE.\n\n        Example: 4 Hour NC SAFE: North Carolina Laws\n\n        Example: 4 Hour OH-OMBA SAFE: State Law Review\n\n        Example: 2 Hour IN-SOS SAFE: Understanding State Law\n\n\\(e\\) Core Course\n:   Courses intending to satisfy each of the three **SAFE Act** course requirements \\(federal law, ethics, and nontraditional mortgage\\). The course title must begin with the number of hours \\(8 Hour\\) and the words *SAFE Core*.\n\n    Example: 8 Hour SAFE Core: Loan Originators Basics.\n\n\\(f\\) Comprehensive Course\n:   Courses intending to satisfy all of the pre-licensure requirements of the **SAFE Act**. The course title must begin with the number of hours \\(20 Hour\\), and the words *SAFE Comprehensive*.\n\n    Example: 20 Hour SAFE Comprehensive: Mortgage Loan Originator.\n\n    1.  **Comprehensive Course with State Agency Specific Content:** Courses intending to satisfy all of the pre-licensure requirements of the **SAFE Act** and containing state agency specific content. The course title must begin with the number of hours, the State’s two letter abbreviation \\(and the state agency code if applicable\\), and the words *SAFE Comprehensive*.\n\n        **Note:** The following states have two licensing agencies or laws and require the state agency code in the course title: CA-BRE, CA-DFPI, IN-DFI, IN-SOS, OH-OMLA, OH-OMBA, SC-BFI, SC-DCA, TX-OCCC, TX-SML, UT-DFI, UT-DRE.\n\n        Example: 24 Hour NC SAFE Comprehensive: Becoming an MLO in North Carolina\n\n        Example: 24 Hour OH-OMBA SAFE Comprehensive: Mor",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_namingPreLicenseCourses.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_namingPreLicenseCourses.md",
      "headings": [
        "1.4.1 Pre-Licensure Courses {#nmlsFS_namingPreLicenseCourses .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_namingPreLicenseCourses.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_namingPreLicenseCourses.md:chunk-2",
      "title": "1.4.1 Pre-Licensure Courses {#nmlsFS_namingPreLicenseCourses .concept}",
      "content": ", OH-OMBA, SC-BFI, SC-DCA, TX-OCCC, TX-SML, UT-DFI, UT-DRE.\n\n        Example: 24 Hour NC SAFE Comprehensive: Becoming an MLO in North Carolina\n\n        Example: 24 Hour OH-OMBA SAFE Comprehensive: Mortgage Loan Origination Basics\n\n        Example: 20 Hour IN-SOS SAFE Comprehensive: Preparing for the Industry\n\n**Parent topic:**1.4 Course Naming",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_namingPreLicenseCourses.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_namingPreLicenseCourses.md",
      "headings": [
        "1.4.1 Pre-Licensure Courses {#nmlsFS_namingPreLicenseCourses .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_namingPreLicenseCourses.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_oil_genCourseSetup.md:chunk-0",
      "title": "4.1 General Course Set-up {#nmlsFS_oil_genCourseSetup .concept}",
      "content": "# 4.1 General Course Set-up \n\nAny course delivered in an online format is required to use a learning management system. The learning management system must ensure that the students are presented information in an organized and effective matter.\n\nAll courses submitted for approval in this format must employ an learning management system that meets the following requirements:\n\n\\(a\\)\n:   The ability to allow students and instructors to log in to the system with a user ID and a password.\n\n\\(b\\)\n:   The ability to implement personal identification requirement\n\n\\(c\\)\n:   The capability to administer a test/quiz in multiple formats, e.g. true/false, multiple choice, and/or fill-in-the-blank.\n\n\\(d\\)\n:   Enables the instructor or course administrator to track a student’s time engaged with the course materials, units of instruction and assignments/activities to ensure the student’s time in the course and/or time on each topical area meets or exceeds the requirements of the **SAFE Act** and / or State law.\n\n\\(e\\)\n:   Deliver content in an organized manner.\n\n\\(f\\)\n:   Provide a report of student progress and activity completions.\n\n\\(g\\)\n:   Provide students with a visual indicator as to their progress through the course.\n\n\\(h\\)\n:   Allow the student to stop, log-out, and then log back in to resume the course where they left off \\(“bookmarking”\\).\n\n\\(I\\)\n:   module locking to prevent the rapid progression through the course.\n\n\\(j\\)\n:   Allow the student to access completed modules in order to review the content for a reasonable period of time as determined by the provider.\n\n\\(k\\)\n:   Allow students the ability to retake quizzes and final exams for a reasonable number of times as determined by the course provider.\n\n\\(l\\)\n:   Support delivery of different content formats e.g., text, PowerPoint, and streaming video and/or audio.\n\n\\(m\\)\n:   Provides the capability to facilitate threaded text conversations between the instructor and students in the course.\n\n\\(n\\)\n:   Provides the cap",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_oil_genCourseSetup.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_oil_genCourseSetup.md",
      "headings": [
        "4.1 General Course Set-up {#nmlsFS_oil_genCourseSetup .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_oil_genCourseSetup.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_oil_genCourseSetup.md:chunk-1",
      "title": "4.1 General Course Set-up {#nmlsFS_oil_genCourseSetup .concept}",
      "content": "owerPoint, and streaming video and/or audio.\n\n\\(m\\)\n:   Provides the capability to facilitate threaded text conversations between the instructor and students in the course.\n\n\\(n\\)\n:   Provides the capability for the instructor and student to synchronously converse back and forth.\n\n\\(o\\)\n:   The learning management system should be able to be accessed using common Web browsers like Internet Explorer, Firefox, and Safari.\n\n\\(p\\)\n:   Provide access to course material via the Internet 24 hours a day / 7 days a week.\n\n**Parent topic:**Section 4: Specific Requirements for Online Instructor-Led \\(OIL\\) Courses",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_oil_genCourseSetup.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_oil_genCourseSetup.md",
      "headings": [
        "4.1 General Course Set-up {#nmlsFS_oil_genCourseSetup .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_oil_genCourseSetup.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_peerReviewStateAgency.md:chunk-0",
      "title": "1.2.2 Course Peer Reviews with State Agencies: {#nmlsFS_peerReviewStateAgency .concept}",
      "content": "# 1.2.2 Course Peer Reviews with State Agencies: \n\nPeer review process by which NMLS invites state regulators to peer review course content and evaluations.\n\nThe objectives of the peer review process are to provide an opportunity for state regulators to validate that the courses that are being approved to meet their agency’s education requirements satisfy the intent of their laws or regulations. NMLS intends for at least 10% of all courses it approves on an annual basis to be made available for peer review.\n\n**Parent topic:**1.2 NMLS Course Approval",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_peerReviewStateAgency.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_peerReviewStateAgency.md",
      "headings": [
        "1.2.2 Course Peer Reviews with State Agencies: {#nmlsFS_peerReviewStateAgency .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_peerReviewStateAgency.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_preLicEducation.md:chunk-0",
      "title": "1.3.1 Pre-Licensure Education {#nmlsFS_preLicEducation .concept}",
      "content": "# 1.3.1 Pre-Licensure Education \n\n\\(a\\) PE Individual Core Courses\n:   1.  PE Federal Law and Regulations: Course must be a minimum of 3 hours;\n2.  PE Ethics: Course must be a minimum of 3 hours; and\n3.  PE Nontraditional: Course on Lending Standards for the Nontraditional Mortgage-Product Marketplace must be a minimum 2 hours.\n\n\\(b\\) PE Core Course\n:   Intended to fulfill the three core requirements. The course must contain 3 hours of federal law, 3 hours of ethics and 2 hours of nontraditional mortgage for a minimum total of 8 hours.\n\n\\(c\\) PE Elective\n:   Course designed to fulfill any number of hours of the 12 hours of undefined instruction. The course must be a minimum 1 hour. Incudes course intending to satisfy only a state agency specific education requirement.\n\n\\(d\\) PE Comprehensive\n:   Course intended to fulfill all of the pre-licensure requirements of the SAFE Act and does not contain any State-specific content. The course must contain 3 hours of federal law, 3 hours of ethics, 2 hours of nontraditional mortgage and 12 hours of elective content for a total of 20 or more hours. Includes course intended to fulfill all of the pre-licensure requirements of the SAFE Act as well as meet the state agency requirement for a specific number of hours.\n\n**Parent topic:**1.3 Course Categories and Delivery Formats",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_preLicEducation.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_preLicEducation.md",
      "headings": [
        "1.3.1 Pre-Licensure Education {#nmlsFS_preLicEducation .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_preLicEducation.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_preface.md:chunk-0",
      "title": "Functional Specifications for All NMLS Approved Courses \\(version 17\\) {#nmlsFS_preface .concept}",
      "content": "# Functional Specifications for All NMLS Approved Courses \\(version 17\\) \n\nThis document is effective January 1, 2026. All courses submitted for approval on or after January 1, 2026 must be in compliance with these requirements unless other dates are specified.\n\n## About this Document { .section}\n\nNMLS welcome constructive comments, questions, and recommendations regarding the requirements associated with delivering education. While NMLS has established specific criteria for course approval, it is also our intent to afford course providers the creative opportunity to develop and offer courses that are engaging and appealing to adult learners which takes into account their various styles of learning. Send questions to nmls.ed1@csbs.org.\n\n-   **Executive Overview**  \nThis document outlines specific design and technical requirements associated with having a course approved by NMLS.\n-   **Section 1: General Requirements for All Course Formats**  \nThe following section is applicable to ALL course formats, classroom course, classroom equivalent course \\(webinar\\), online instructor-led, and online self-study.\n-   **Section 2: Specific Requirements for Classroom Courses**  \nPrior to reviewing the requirements for the specific course format, please ensure that all requirements are met as listed in Section 1: General Requirements for All Course Formats.\n-   **Section 3: Specific Requirements for Classroom Equivalent \\(Webinar\\) Courses**  \nPrior to reviewing the requirements for the specific course format, please ensure that all requirements are met as listed in Section 1: General Requirements for All Course Formats.\n-   **Section 4: Specific Requirements for Online Instructor-Led \\(OIL\\) Courses**  \nThe online instructor led format is reserved for prelicensure education with the exception of prelicensure state-specific courses that are ten \\(10\\) hours or less which must be offered in the online self-study \\(OSS\\) format.\n-   **Section 5: Specific Requirements for Online Se",
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        "About this Document { .section}"
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      "title": "Functional Specifications for All NMLS Approved Courses \\(version 17\\) {#nmlsFS_preface .concept}",
      "content": "e exception of prelicensure state-specific courses that are ten \\(10\\) hours or less which must be offered in the online self-study \\(OSS\\) format.\n-   **Section 5: Specific Requirements for Online Self-Study \\(OSS\\) Courses**  \nThe online self-study format is reserved for CE courses and PE state-specific courses that are ten \\(10\\) hours or less in length.",
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      "title": "Reference Guide: Citing Sources and Regulations in Course Materials {#nmlsFS_referenceGuide .concept}",
      "content": "# Reference Guide: Citing Sources and Regulations in Course Materials \n\nBelow is a list of commonly referenced federal laws and regulations with an example of an acceptable citation. The below list is not intended to be all-inclusive and depending on the law/regulation you may need to provide more specific information.\n\n## Purpose of this Document \n\nThe purpose of this document is to serve as a reference guide and establish uniform standards for documenting, footnoting, and citing course material which may have been referenced, summarized, paraphrased, or quoted. Also included is a Quick Reference: Citing Federal Law and Regulations.\n\nThe following are samples of acceptable methods used to cite sources within a course manual \\(i.e. in-text\\) and slide presentations \\(i.e. power point\\). The overriding objectives of including references are\n\n1.  to ensure students can easily find the source for information for further study, and\n2.  to ensure copyright protection of intellectual property.\n\n## Quick Reference: Citing Federal Law and Regulations \n\nExamples of citing from federal regulations:\n\n-   Regulation B: Equal Credit Opportunity – 12 CFR §1002\n-   Regulation C: Home Mortgage Disclosure – 12 CFR §1003\n-   Regulation F: Fair Debt Collection Practices Act – 12 CFR §1006\n-   Regulation H: S.A.F.E. Mortgage Licensing Act – State Compliance and Bureau Registration System – 12 CFR §1008\n-   Regulation N: Mortgage Acts and Practices-Advertising – 12 CFR §1014\n-   Regulation O: Mortgage Assistance Relief Services – 12 CFR §1015\n-   Regulation P: Privacy of Consumer Financial Information – 12 CFR §1016\n-   Regulation V: Fair Credit Reporting – 12 CFR §1022\n-   Regulation X: Real Estate Settlement Procedures Act – 12 CFR §1024\n-   Regulation Z: Truth in Lending – 12 CFR §1026\n\nWhen citing the regulation, include the appropriate letter, number, roman numeral, etc. and define the acronym upon its first use: Code of Federal Regulations \\(CFR\\). Example: Regulation Z, 12 CFR §1",
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      "headings": [
        "Reference Guide: Citing Sources and Regulations in Course Materials {#nmlsFS_referenceGuide .concept}",
        "Purpose of this Document {#section_l2g_3jx_b2c .section}",
        "Quick Reference: Citing Federal Law and Regulations {#section_whq_mjx_b2c .section}",
        "Permission to Use Material {#section_kdc_s3x_b2c .section}",
        "Use of Acronyms {#section_oyk_y3x_b2c .section}",
        "Citations need to be Specific {#section_vrr_v3x_b2c .section}",
        "Use only Reputable Sources {#section_wrc_53x_b2c .section}",
        "Ensure Web Links Work {#section_bn2_l3x_b2c .section}",
        "Use of Multiple Content Formats {#section_cn2_l3x_b2c .section}",
        "Repeating Citations for the Same Source {#section_gnl_4hx_b2c .section}",
        "Help Get the Course Approved More Quickly {#section_cyx_13x_b2c .section}",
        "Additional Resources and Tools {#section_fhj_c3x_b2c .section}",
        "Reference Examples in Content {#section_f3r_qg5_b2c .section}",
        "Quoting material within a course manual \\(in-text\\) {#example_elv_y25_b2c .example}",
        "Instructing on Federal law \\(in-text\\) {#example_sk3_jvt_b2c .example}",
        "Instructing Federal law \\(Power Point/Slide Presentation\\) {#example_ibl_bvt_b2c .example}",
        "Instructing on State law \\(in-text\\) {#example_qcv_n5t_b2c .example}",
        "Instructing on State law \\(in-text\\) {#example_xcw_zvs_b2c .example}",
        "Instructing on State law \\(Power Point/Slide Presentation\\) {#example_mmc_gws_b2c .example}",
        "Using a Data Source \\(in-text\\) {#example_rb4_3ws_b2c .example}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_referenceGuide.html",
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      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_referenceGuide.md:chunk-1",
      "title": "Reference Guide: Citing Sources and Regulations in Course Materials {#nmlsFS_referenceGuide .concept}",
      "content": "When citing the regulation, include the appropriate letter, number, roman numeral, etc. and define the acronym upon its first use: Code of Federal Regulations \\(CFR\\). Example: Regulation Z, 12 CFR §1026.32\\(a\\)\\(1\\)\\(ii\\).\n\nExamples of citing from the United States Code:\n\n-   Consumer Credit Protection Act - 15 U.S.C. §1601, et seq. \\(includes the Truth in Lending Act, the Fair Credit Reporting Act, the Equal Credit Opportunity Act, the Fair Debt Collection Practices Act, etc.\\).\n-   Home Mortgage Disclosure Act - 12 U.S.C. §2801, et seq. Real Estate Settlement Procedures Act - 12 U.S.C §2601 et seq.\n\nWhen citing from the federal statute, include the appropriate letter, number, roman numeral, etc. and define the acronym before its first use: United States Code \\(USC\\). Example: RESPA, 12 USC §2601\\(a\\).\n\n## Permission to Use Material \n\nWhen applicable, the course provider must have permission to quote material and reference it. For example, if a course provider is using material that was developed by a state mortgage broker association, the course provider must contact the association to request permission to use the material. The same holds true if the source for a graph or chart was derived from a source like the New York Times or other publication.\n\n## Use of Acronyms \n\nAcronyms should only be used after a formal introduction. For example, the use of “RESPA” is proper after introducing “Real Estate Settlement Procedures Act \\(RESPA\\).” Another example: Nationwide Multistate Licensing System \\(NMLS\\).\n\n## Citations need to be Specific \n\nEnsure that federal or state citations are sufficiently specific. For example: − If the course instruction is on how to complete the loan estimate, the citation of “12 CFR 1026” does not provide adequate direction. Citations for page 1 of the loan estimate could include: 12 CFR § 1026.37\\(a\\), 12 CFR § 1026.37\\(o\\)\\(5\\)\\(iii\\), etc. − In another example, note that some state laws require very specific citations. For example, to fi",
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      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_referenceGuide.md",
      "headings": [
        "Reference Guide: Citing Sources and Regulations in Course Materials {#nmlsFS_referenceGuide .concept}",
        "Purpose of this Document {#section_l2g_3jx_b2c .section}",
        "Quick Reference: Citing Federal Law and Regulations {#section_whq_mjx_b2c .section}",
        "Permission to Use Material {#section_kdc_s3x_b2c .section}",
        "Use of Acronyms {#section_oyk_y3x_b2c .section}",
        "Citations need to be Specific {#section_vrr_v3x_b2c .section}",
        "Use only Reputable Sources {#section_wrc_53x_b2c .section}",
        "Ensure Web Links Work {#section_bn2_l3x_b2c .section}",
        "Use of Multiple Content Formats {#section_cn2_l3x_b2c .section}",
        "Repeating Citations for the Same Source {#section_gnl_4hx_b2c .section}",
        "Help Get the Course Approved More Quickly {#section_cyx_13x_b2c .section}",
        "Additional Resources and Tools {#section_fhj_c3x_b2c .section}",
        "Reference Examples in Content {#section_f3r_qg5_b2c .section}",
        "Quoting material within a course manual \\(in-text\\) {#example_elv_y25_b2c .example}",
        "Instructing on Federal law \\(in-text\\) {#example_sk3_jvt_b2c .example}",
        "Instructing Federal law \\(Power Point/Slide Presentation\\) {#example_ibl_bvt_b2c .example}",
        "Instructing on State law \\(in-text\\) {#example_qcv_n5t_b2c .example}",
        "Instructing on State law \\(in-text\\) {#example_xcw_zvs_b2c .example}",
        "Instructing on State law \\(Power Point/Slide Presentation\\) {#example_mmc_gws_b2c .example}",
        "Using a Data Source \\(in-text\\) {#example_rb4_3ws_b2c .example}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_referenceGuide.html",
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      "title": "Reference Guide: Citing Sources and Regulations in Course Materials {#nmlsFS_referenceGuide .concept}",
      "content": "1 of the loan estimate could include: 12 CFR § 1026.37\\(a\\), 12 CFR § 1026.37\\(o\\)\\(5\\)\\(iii\\), etc. − In another example, note that some state laws require very specific citations. For example, to find the maximum liability amount under Arizona’s mortgage recovery fund, citing 6-991 is insufficient. The proper citation would be ARS 6- 991.09\\(E\\). − It is not, however, necessary to cite the exact line\\(s\\) of a regulation unless you are quoting it specifically in your instruction or material \\(i.e., Section 128 of the Truth In Lending Act \\(15 U.S.C. 1638 \\(a\\)\\(14\\)\\) states that “In the case of …”\\)\n\n## Use only Reputable Sources \n\nSources that support instruction should be reputable \\(e.g. federal or state agency of law\\). While convenient, Wikipedia, for example, is not accepted as a reputable source for accurate or authoritative information and may NOT be used in NMLS approved education.\n\n## Ensure Web Links Work \n\nIf the provider is using a web link, ensure the entire link is copied and that the link is working correctly. Periodically check the link to ensure it is still working and going to the correct page.\n\n## Use of Multiple Content Formats \n\nThe purpose of providing citations is to provide a reference for the material presented to the student. However, each course is unique in what types of materials and how the materials are used to instruct. When using multiple types of material to present the same information \\(i.e. the use of a text and a PowerPoint presentation\\), citations should be placed in intended for or most likely to be used by the student as a source of future reference.\n\n**Note:** NMLS reviews all courses individually and may address this on a case by case basis and may request additional citation or clarification be added to the course material.\n\n## Repeating Citations for the Same Source \n\nIn cases where the same source is referenced multiple times throughout the citation only needs to appear once when the discussion is on the same sectio",
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      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_referenceGuide.md",
      "headings": [
        "Reference Guide: Citing Sources and Regulations in Course Materials {#nmlsFS_referenceGuide .concept}",
        "Purpose of this Document {#section_l2g_3jx_b2c .section}",
        "Quick Reference: Citing Federal Law and Regulations {#section_whq_mjx_b2c .section}",
        "Permission to Use Material {#section_kdc_s3x_b2c .section}",
        "Use of Acronyms {#section_oyk_y3x_b2c .section}",
        "Citations need to be Specific {#section_vrr_v3x_b2c .section}",
        "Use only Reputable Sources {#section_wrc_53x_b2c .section}",
        "Ensure Web Links Work {#section_bn2_l3x_b2c .section}",
        "Use of Multiple Content Formats {#section_cn2_l3x_b2c .section}",
        "Repeating Citations for the Same Source {#section_gnl_4hx_b2c .section}",
        "Help Get the Course Approved More Quickly {#section_cyx_13x_b2c .section}",
        "Additional Resources and Tools {#section_fhj_c3x_b2c .section}",
        "Reference Examples in Content {#section_f3r_qg5_b2c .section}",
        "Quoting material within a course manual \\(in-text\\) {#example_elv_y25_b2c .example}",
        "Instructing on Federal law \\(in-text\\) {#example_sk3_jvt_b2c .example}",
        "Instructing Federal law \\(Power Point/Slide Presentation\\) {#example_ibl_bvt_b2c .example}",
        "Instructing on State law \\(in-text\\) {#example_qcv_n5t_b2c .example}",
        "Instructing on State law \\(in-text\\) {#example_xcw_zvs_b2c .example}",
        "Instructing on State law \\(Power Point/Slide Presentation\\) {#example_mmc_gws_b2c .example}",
        "Using a Data Source \\(in-text\\) {#example_rb4_3ws_b2c .example}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_referenceGuide.html",
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    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_referenceGuide.md:chunk-3",
      "title": "Reference Guide: Citing Sources and Regulations in Course Materials {#nmlsFS_referenceGuide .concept}",
      "content": "l.\n\n## Repeating Citations for the Same Source \n\nIn cases where the same source is referenced multiple times throughout the citation only needs to appear once when the discussion is on the same section or subsection of the law or regulation. Once another section or subsection is discussed \\(or a different source has been used and cited\\), a new citation is necessary. In addition, if a statute or regulation is used in one chapter, and then the statute or regulation is then discussed in another chapter, it needs to be cited in both chapters. An example would be a citation of HOEPA \\(Regulation Z, Section 226.32\\) used in a chapter on Federal Laws and Regulations and then used again in a separate chapter on Ethics within the same course. Although the citation is the same, it must be placed in both chapters. This will allow students to review one chapter and its citation without having to go back to a previous or another chapter to find the citation.\n\n## Help Get the Course Approved More Quickly \n\nCitations and footnotes not only assist the student in learning but also assist the NMLS evaluator when reviewing the course. Evaluators appreciate citations to ensure that the material is correct and up-to-date. Citations reduce review time because evaluators do not have to spend time searching for the source to determine if the course material is correct.\n\n## Additional Resources and Tools \n\nNMLS does not require that the course provider cite references in either the APA or MLA format; however, the following additional resources may be used to assist in citing sources in its proper format:\n\n-   The Purdue Online Writing Lab - http://owl.english.purdue.edu/owl/resource/560/10/\n-   http://www.law.cornell.edu/citation/\n-   http://www.easybib.com/\n-   http://www.noodletools.com Search for Noodlebib Express.\n\n## Reference Examples in Content \n\nExamples Quoting material within a course manual \\(in-text\\) through Using a Data Source \\(in-text\\) illustrate acceptable forms of citati",
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        "Reference Guide: Citing Sources and Regulations in Course Materials {#nmlsFS_referenceGuide .concept}",
        "Purpose of this Document {#section_l2g_3jx_b2c .section}",
        "Quick Reference: Citing Federal Law and Regulations {#section_whq_mjx_b2c .section}",
        "Permission to Use Material {#section_kdc_s3x_b2c .section}",
        "Use of Acronyms {#section_oyk_y3x_b2c .section}",
        "Citations need to be Specific {#section_vrr_v3x_b2c .section}",
        "Use only Reputable Sources {#section_wrc_53x_b2c .section}",
        "Ensure Web Links Work {#section_bn2_l3x_b2c .section}",
        "Use of Multiple Content Formats {#section_cn2_l3x_b2c .section}",
        "Repeating Citations for the Same Source {#section_gnl_4hx_b2c .section}",
        "Help Get the Course Approved More Quickly {#section_cyx_13x_b2c .section}",
        "Additional Resources and Tools {#section_fhj_c3x_b2c .section}",
        "Reference Examples in Content {#section_f3r_qg5_b2c .section}",
        "Quoting material within a course manual \\(in-text\\) {#example_elv_y25_b2c .example}",
        "Instructing on Federal law \\(in-text\\) {#example_sk3_jvt_b2c .example}",
        "Instructing Federal law \\(Power Point/Slide Presentation\\) {#example_ibl_bvt_b2c .example}",
        "Instructing on State law \\(in-text\\) {#example_qcv_n5t_b2c .example}",
        "Instructing on State law \\(in-text\\) {#example_xcw_zvs_b2c .example}",
        "Instructing on State law \\(Power Point/Slide Presentation\\) {#example_mmc_gws_b2c .example}",
        "Using a Data Source \\(in-text\\) {#example_rb4_3ws_b2c .example}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_referenceGuide.html",
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    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_referenceGuide.md:chunk-4",
      "title": "Reference Guide: Citing Sources and Regulations in Course Materials {#nmlsFS_referenceGuide .concept}",
      "content": "ch for Noodlebib Express.\n\n## Reference Examples in Content \n\nExamples Quoting material within a course manual \\(in-text\\) through Using a Data Source \\(in-text\\) illustrate acceptable forms of citations. Explanations are noted below the example. The information/statistics cited on these pages are for example purposes only. Please be sure to research and use the most current information.\n\n## Quoting material within a course manual \\(in-text\\) \n\n## Instructing on Federal law \\(in-text\\) \n\n**The New GFE**\n\nDue to the volume of questions that arose with the changes to the GFE, HUD issued “New RESPA Rule FAQs” \\(New RESPA Rule FAQs. http://www.hud.gov/offices/hsg/rmra/res/resparulefaqs422010.pdf\\) which were last updated April 2, 2010. The following question is included in the FAQs:\n\n-   \"Q: What happens if a GFE is not provided to a borrower?\n-   A: In a transaction involving a federally related mortgage, the loan originator is required to provide a GFE to the borrower. Failure to provide a GFE as required is a violation of Section 5 of RESPA.”\n\n**Note:** In this example, the citation is noted within the course material rather than footnoted. Note that citing www.hud.gov is not sufficient. The course provider should be more specific.\n\n## Instructing Federal law \\(Power Point/Slide Presentation\\) \n\n## Instructing on State law \\(in-text\\) \n\n**Prohibited Acts**\n\n-   A mortgage loan originator \\(MLO\\) acting on his own behalf shall not accept any form of payment or document in connection with an application for a residential mortgage loan in Arizona. \\(ARS 6- 991.02\\(1\\)\\)\n-   An unlicensed individual may not receive compensation for arranging or negotiating a residential mortgage loan. \\(ARS 6-991.02\\(2\\)\\)\n\n**Note:** In this case, each bullet point provides the specific citation of the state law.\n\n## Instructing on State law \\(in-text\\) \n\n**Requirement to be licensed in Arizona \\(Arizona Revised Statutes \\(ARS\\) 6-991\\)**\n\nAny natural person who for, or in the expectatio",
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      "headings": [
        "Reference Guide: Citing Sources and Regulations in Course Materials {#nmlsFS_referenceGuide .concept}",
        "Purpose of this Document {#section_l2g_3jx_b2c .section}",
        "Quick Reference: Citing Federal Law and Regulations {#section_whq_mjx_b2c .section}",
        "Permission to Use Material {#section_kdc_s3x_b2c .section}",
        "Use of Acronyms {#section_oyk_y3x_b2c .section}",
        "Citations need to be Specific {#section_vrr_v3x_b2c .section}",
        "Use only Reputable Sources {#section_wrc_53x_b2c .section}",
        "Ensure Web Links Work {#section_bn2_l3x_b2c .section}",
        "Use of Multiple Content Formats {#section_cn2_l3x_b2c .section}",
        "Repeating Citations for the Same Source {#section_gnl_4hx_b2c .section}",
        "Help Get the Course Approved More Quickly {#section_cyx_13x_b2c .section}",
        "Additional Resources and Tools {#section_fhj_c3x_b2c .section}",
        "Reference Examples in Content {#section_f3r_qg5_b2c .section}",
        "Quoting material within a course manual \\(in-text\\) {#example_elv_y25_b2c .example}",
        "Instructing on Federal law \\(in-text\\) {#example_sk3_jvt_b2c .example}",
        "Instructing Federal law \\(Power Point/Slide Presentation\\) {#example_ibl_bvt_b2c .example}",
        "Instructing on State law \\(in-text\\) {#example_qcv_n5t_b2c .example}",
        "Instructing on State law \\(in-text\\) {#example_xcw_zvs_b2c .example}",
        "Instructing on State law \\(Power Point/Slide Presentation\\) {#example_mmc_gws_b2c .example}",
        "Using a Data Source \\(in-text\\) {#example_rb4_3ws_b2c .example}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_referenceGuide.html",
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      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_referenceGuide.md:chunk-5",
      "title": "Reference Guide: Citing Sources and Regulations in Course Materials {#nmlsFS_referenceGuide .concept}",
      "content": "tion of the state law.\n\n## Instructing on State law \\(in-text\\) \n\n**Requirement to be licensed in Arizona \\(Arizona Revised Statutes \\(ARS\\) 6-991\\)**\n\nAny natural person who for, or in the expectation of, compensation or gain: takes a residential mortgage loan application, offers or negotiates terms of a residential mortgage loan, or negotiates with a lender to obtain a temporary or permanent medication on behalf of a borrower for an existing residential mortgage loan agreement meets the definition of a loan originator.\n\n**Note:** It is appropriate and acceptable for the citation to be placed in the subtitle since the topic relates to one specific law.\n\n## Instructing on State law \\(Power Point/Slide Presentation\\) \n\n## Using a Data Source \\(in-text\\) \n\n**Parent topic:**Reference",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_referenceGuide.md",
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        "Reference Guide: Citing Sources and Regulations in Course Materials {#nmlsFS_referenceGuide .concept}",
        "Purpose of this Document {#section_l2g_3jx_b2c .section}",
        "Quick Reference: Citing Federal Law and Regulations {#section_whq_mjx_b2c .section}",
        "Permission to Use Material {#section_kdc_s3x_b2c .section}",
        "Use of Acronyms {#section_oyk_y3x_b2c .section}",
        "Citations need to be Specific {#section_vrr_v3x_b2c .section}",
        "Use only Reputable Sources {#section_wrc_53x_b2c .section}",
        "Ensure Web Links Work {#section_bn2_l3x_b2c .section}",
        "Use of Multiple Content Formats {#section_cn2_l3x_b2c .section}",
        "Repeating Citations for the Same Source {#section_gnl_4hx_b2c .section}",
        "Help Get the Course Approved More Quickly {#section_cyx_13x_b2c .section}",
        "Additional Resources and Tools {#section_fhj_c3x_b2c .section}",
        "Reference Examples in Content {#section_f3r_qg5_b2c .section}",
        "Quoting material within a course manual \\(in-text\\) {#example_elv_y25_b2c .example}",
        "Instructing on Federal law \\(in-text\\) {#example_sk3_jvt_b2c .example}",
        "Instructing Federal law \\(Power Point/Slide Presentation\\) {#example_ibl_bvt_b2c .example}",
        "Instructing on State law \\(in-text\\) {#example_qcv_n5t_b2c .example}",
        "Instructing on State law \\(in-text\\) {#example_xcw_zvs_b2c .example}",
        "Instructing on State law \\(Power Point/Slide Presentation\\) {#example_mmc_gws_b2c .example}",
        "Using a Data Source \\(in-text\\) {#example_rb4_3ws_b2c .example}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_referenceGuide.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_sec2_ROCSreqs.md:chunk-0",
      "title": "2.3 Requirement for Issuance and Retention of Rules of Conduct for Students {#nmlsFS_sec2_ROCSreqs .concept}",
      "content": "# 2.3 Requirement for Issuance and Retention of Rules of Conduct for Students \n\nPrior to the start of every NMLS approved course offering, every student must agree to the Rules of Conduct for Students \\(ROCS\\) V4. The Rules of Conduct, which are made available to course providers by NMLS, are required to be displayed and agreed to by students under the following conditions:\n\n2.3.1\n:   Prior to the start of the course the instructor or the course facilitator is required to explain the Rules of Conduct. The student is required to sign the ROCS at the start of the course or as part of the course registration process. The course provider is required to retain a signed copy of the ROCS for five \\(5\\) years.\n\n2.3.2\n:   The ROCS is also to be included as part of the cover page or a stand-alone second page of all course materials.\n\n**Parent topic:**Section 2: Specific Requirements for Classroom Courses",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_sec2_ROCSreqs.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_sec2_ROCSreqs.md",
      "headings": [
        "2.3 Requirement for Issuance and Retention of Rules of Conduct for Students {#nmlsFS_sec2_ROCSreqs .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_sec2_ROCSreqs.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_sec2_studentAuthenticationReqs.md:chunk-0",
      "title": "2.4 Requirement for Student Authentication and Validation of Attendance {#nmlsFS_sec2_studentAuthenticationReqs .concept}",
      "content": "# 2.4 Requirement for Student Authentication and Validation of Attendance \n\nCourse providers are required to employ a means to verify a student’s identity and verify that the student has attended the entire course offering to receive course credit. If the course provider cannot verify full attendance, the student must re-take the entire course.\n\n2.4.1 Sign-In Process\n:   Course providers are required to employ a means to verify student identity before they enter class:\n\n    2.4.1.1 Checking Government Issued ID\n    :   Course providers are required to check a current government-issued ID at time of arrival prior to the start of the course to verify that the student is who they say they are and are not representing somebody else.\n\n    2.4.1.2 Collect Signature\n    :   Course providers are required to ensure each student provides their signature at the following times:\n\n        -   Start of course\n        -   Return from lunch\n\n2.4.2 Verify Full Attendance\n:   The course provider is required to verify and document that the student was present at the start of the course, returned from breaks, remained in attendance for the entirety of course, and was not tardy. The course provider must monitor attendance during:\n\n    -   Start of course\n    -   Return from breaks\n    -   Return from lunch\n    -   End of course\n\n2.4.4 Issuing Course Credit\n:   Course provider is responsible for ensuring all completion requirements are met before issuing course credit, including:\n\n    -   Course provider must ensure student is in the course for its entirety to credit bank hours.\n    -   Attendance records must be kept by the course provider.\n\n2.4.5 Addressing Tardiness\n:   The course provider is to have a process in place for how to deal with tardiness. The SAFE Act requires students to complete a specific number of hours of instruction on various topics and NMLS expect course providers to meet the minimum number of hours that a course is approved for. Since it is nearly impossible to id",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_sec2_studentAuthenticationReqs.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_sec2_studentAuthenticationReqs.md",
      "headings": [
        "2.4 Requirement for Student Authentication and Validation of Attendance {#nmlsFS_sec2_studentAuthenticationReqs .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_sec2_studentAuthenticationReqs.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_sec2_studentAuthenticationReqs.md:chunk-1",
      "title": "2.4 Requirement for Student Authentication and Validation of Attendance {#nmlsFS_sec2_studentAuthenticationReqs .concept}",
      "content": "lete a specific number of hours of instruction on various topics and NMLS expect course providers to meet the minimum number of hours that a course is approved for. Since it is nearly impossible to identify every scenario, and since NMLS does not want to send the message that any level of tardiness is acceptable, the term “tardiness” is left undefined. NMLS is not supportive of the following practices:\n\n    -   Allowing student\\(s\\) to start a course or to return from breaks or meals late.\n    -   Allowing a student to begin and/or to return to a course after he/she has missed a percentage of the course.\n    -   Allowing a student who may have missed a percentage of the course to make-it-up later.\n\n**Note:** All time spent to complete housekeeping, administrative and orientation tasks is not to be included in the hour\\(s\\) of instruction in which the course is approved for.\n\n**Parent topic:**Section 2: Specific Requirements for Classroom Courses",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_sec2_studentAuthenticationReqs.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_sec2_studentAuthenticationReqs.md",
      "headings": [
        "2.4 Requirement for Student Authentication and Validation of Attendance {#nmlsFS_sec2_studentAuthenticationReqs .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_sec2_studentAuthenticationReqs.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_sec3_attendancevalidation.md:chunk-0",
      "title": "**3.5 Validation of Attendance** {#nmlsFS_sec3_attendancevalidation .concept}",
      "content": "# **3.5 Validation of Attendance** \n\nThe course provider is required to verify that the student has attended the entire course offering to receive course credit. If the course provider cannot verify full attendance, the student must re-take the entire course.\n\nThe course provider must be able to do all of the following:\n\n3.5.1 Verify Full Attendance\n:   The course provider is required to verify that the student was present at the start of the course, returned from breaks, and was not tardy.\n\n    The course provider can use one of the following means to verify full attendance:\n\n    -   Use of cameras\n    -   Quizzes to monitor engagement\n    -   Polls to monitor engagement\n    -   Instructor engagement\n\n3.5.2 Confirm Presence of Student\n:   The course provider is required to routinely poll or ask every student to respond to questions to confirm their presence throughout the entire course.\n\n3.5.3 Roll Call Requirements\n:   The course provider is required to complete roll call to verify student attendance by using the following:\n\n    -   Checking camera\n    -   Using an engagement feature such as Polls, Quizzes, or\n    -   Reactions/icons in the webinar platform.\n\n3.5.4 Monitoring Attendance\n:   Each student is required to be on camera which allows staff to verify attendance throughout the course. The course provider must monitor attendance during:\n\n    -   Start of course\n    -   Return from breaks\n    -   Return from lunch\n\n3.5.5 Process to Remove a Student for Lack of Presence\n:   The course provider is required to have a process to deny or remove a student from a course who is unable to respond to questions in a timely manner \\(for more than 10 minutes\\).\n\n    -   Less than 10 minutes it is the discretion of the provider to remove the students, if deemed necessary.\n\n3.5.6 Addressing Tardiness\n:   The course provider is to have a process for how to deal with tardiness. The SAFE Act requires students to complete a specific number of hours of instruction on various to",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_sec3_attendancevalidation.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_sec3_attendancevalidation.md",
      "headings": [
        "**3.5 Validation of Attendance** {#nmlsFS_sec3_attendancevalidation .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_sec3_attendancevalidation.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_sec3_attendancevalidation.md:chunk-1",
      "title": "**3.5 Validation of Attendance** {#nmlsFS_sec3_attendancevalidation .concept}",
      "content": "5.6 Addressing Tardiness\n:   The course provider is to have a process for how to deal with tardiness. The SAFE Act requires students to complete a specific number of hours of instruction on various topics and NMLS expects course providers to meet the minimum number of hours that a course is approved for. Since it is nearly impossible to identify every scenario, and since NMLS does not want to send the message that any level of tardiness is acceptable, the term “tardiness” is left undefined. Generally, NMLS is not supportive of the following practices:\n\n    -   Allowing student\\(s\\) to chronically start a course or to return from breaks or meals late.\n    -   Allowing a student to begin and/or to return after he/she has missed a percentage of a course.\n    -   Allowing a student who may have missed a percentage of the course to make-up just the missed portion later.\n\n**Parent topic:**Section 3: Specific Requirements for Classroom Equivalent \\(Webinar\\) Courses",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_sec3_attendancevalidation.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_sec3_attendancevalidation.md",
      "headings": [
        "**3.5 Validation of Attendance** {#nmlsFS_sec3_attendancevalidation .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_sec3_attendancevalidation.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_sec3_classsize.md:chunk-0",
      "title": "3.3 Class Size and Physical Environment {#nmlsFS_sec3_classsize .concept}",
      "content": "# 3.3 Class Size and Physical Environment \n\nThere is no fixed floor or ceiling limit on the number of students that a course provider using the classroom equivalent format can teach. However, course providers need to take into consideration the following:\n\n3.3.1 Employment of Facilitators\n:   The greater the number of students, the greater the number of facilitators the course will require.\n\n3.3.2 Student Space\n:   If seated in a conference room, students need to be provided with sufficient space for writing and use of course materials as well as adequate personal space to be comfortable and productive.\n\n3.3.3 Set-up\n:   So that all students can see and hear the instructor, attention needs to be paid to staging, camera position, and amplification. An elevated stage, proper lighting, and good sound amplification for larger groups are critical. If conducting a webinar, a speakerphone should be placed near the instructor so students can hear what the instructor is saying.\n\n3.3.4 Instructor Connection to Students\n:   The instructor must be able to connect and project to all parts of the room. Instructors need to be aware of the environment in which the course is going to be given and adjust accordingly.\n\n3.3.5 Personal Appearance and Professional Environment\n:   If a student is taking the course from a home office and using a web cam, the student should attend the course properly attired. Additionally, the space in which the student is taking the course should be free of clutter and distraction. Students should be made aware prior to the course start time that the instructor and potentially other students may be able to see them via the use of a web cam and to plan accordingly.\n\n**Parent topic:**Section 3: Specific Requirements for Classroom Equivalent \\(Webinar\\) Courses",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_sec3_classsize.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_sec3_classsize.md",
      "headings": [
        "3.3 Class Size and Physical Environment {#nmlsFS_sec3_classsize .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_sec3_classsize.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_sec3_coursepersonnel.md:chunk-0",
      "title": "3.2 Course Delivery Personnel: Roles and Responsibilities {#nmlsFS_sec3_coursepersonnel .concept}",
      "content": "# 3.2 Course Delivery Personnel: Roles and Responsibilities \n\nBecause of the potential high number of students taking this course format, and the venue in which the course format is typically offered, classroom equivalent courses typically require the support of a greater number of people. In most situations, the following roles and responsibilities apply:\n\n3.2.1 Instructor\n:   Defined as the individual teaching/instructing the course. Generally, a course has one principal instructor assigned to it. This individual is the subject matter expert and is responsible for leading the course and bears the burden of responsibility of ensuring the course is delivered properly. For additional information regarding the instructor, please see the 1.7 Instructor Skills and Qualifications section as listed in the Requirements for all Course Types.\n\n3.2.2 Facilitator\n:   Sometimes also referred to as a proctor, the facilitator \\(or group of facilitators\\) is responsible for ensuring students are properly registered and checked into the course. Additionally, the facilitator is responsible for making sure students return from break-out sessions or meal breaks, and that the student attends the entire course. Facilitators can also be employed to assist in taking student questions and passing them to the course instructor, and may perform other administrative functions in support of the course delivery.\n\n    \\(a\\) Facilitator as Course Provider Agent\n    :   Since the course provider is ultimately responsible for ensuring students have completed the course, facilitators should be an employee or agent of the course provider. As a rule, and to remove the potential for any conflict of interest, employees of a company who are also students in the course should not be functioning as a facilitator. Exceptions can be made in situations where a trade association is sponsoring instruction and trade association employees may be asked to serve as proctors.\n\n    \\(b\\) Facilitator-to-Student Ratio\n",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_sec3_coursepersonnel.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_sec3_coursepersonnel.md",
      "headings": [
        "3.2 Course Delivery Personnel: Roles and Responsibilities {#nmlsFS_sec3_coursepersonnel .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_sec3_coursepersonnel.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_sec3_coursepersonnel.md:chunk-1",
      "title": "3.2 Course Delivery Personnel: Roles and Responsibilities {#nmlsFS_sec3_coursepersonnel .concept}",
      "content": "or. Exceptions can be made in situations where a trade association is sponsoring instruction and trade association employees may be asked to serve as proctors.\n\n    \\(b\\) Facilitator-to-Student Ratio\n    :   In determining facilitator-to-student ratio, a provider needs to take into consideration the venue and the number of students expected to participate in the course. The larger the venue \\(i.e. a grand ball room where there are several doors\\) and the higher the number of students a situation will be created in which the ratio offacilitator-to-studentneeds to be higher. While a small venue and small cohort of students will create an environment where fewer facilitators can provide greater support. As a rule of thumb, providers should strive to keep the facilitator-to-student ratio at no greater than 1:50.\n\n    \\(c\\) Facilitator as Support Agent:\n    :   Facilitators can also assist the course instructor by providing feedback to the instructor regarding the course audience’s mood by viewing the questions/comments submitted by online participants. The facilitator can also monitor questions being submitted via the webinar. Using this type of information and by observing course participants, the facilitator can provide the instructor with cues about the speed of the course and the need to address any issues.\n\n    **Note:** A mortgage loan originator who is receiving credit hours cannot be a facilitator.\n\n3.2.3 Instructor and Facilitator’s Role section\n:   3.2.3.1 Verifying Seat Time\n:   Instructor or Facilitator are required to track the attendance of each student either through all the following:\n\n    -   Time tracker within the webinar platform\n    -   Use of cameras\n    -   Random check-ins \\(launch of quiz/poll\\)\n\n3.2.3.2 Measurement of seat time\n:   Course providers are responsible for overseeing students’ engagement and verifying the student is always present:\n\n    -   Measurement of seat time is required to be confirmed through visual observation of the studen",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_sec3_coursepersonnel.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_sec3_coursepersonnel.md",
      "headings": [
        "3.2 Course Delivery Personnel: Roles and Responsibilities {#nmlsFS_sec3_coursepersonnel .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_sec3_coursepersonnel.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_sec3_coursepersonnel.md:chunk-2",
      "title": "3.2 Course Delivery Personnel: Roles and Responsibilities {#nmlsFS_sec3_coursepersonnel .concept}",
      "content": " are responsible for overseeing students’ engagement and verifying the student is always present:\n\n    -   Measurement of seat time is required to be confirmed through visual observation of the student throughout the duration of the course.\n    -   If an instructor is unable to verify the attendance of a student, efforts should be made to contact the student by an instructor or facilitator. If contact cannot be made, the course provider is required to take appropriate actions leading up to removing the student from the course if and requiring the student to start over from the beginning in another class.\n\n3.2.3.3 Engagement\n:   -   Interactive teaching is the key to success. Instructors must employ many different teaching techniques and strategies to ensure student engagement throughout the course.\n-   Instruction should focus on utilizing, auditory, and kinesthetic learners’ modalities. Class activities must be in favor of getting students involved and engaged with the lessons or materials and are required to employ activities throughout the course such as:\n    -   Q&A sessions via audio and typed chat\n    -   Utilizing LMS systems with case study assignments\n    -   Discussions on canned video items\n    -   Breakout groups for fast group assignments\n\n    **Note:** One-way communication or individual learning is not an acceptable practice.\n\n3.2.3.4 Roll Call\n:   Roll call may not be feasible in large groups to complete verbally; but can be done through visual observation and use of cameras to measure seat time, via a polls, quizzes, and chat functions within the webinar platform.\n\n**Parent topic:**Section 3: Specific Requirements for Classroom Equivalent \\(Webinar\\) Courses",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_sec3_coursepersonnel.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_sec3_coursepersonnel.md",
      "headings": [
        "3.2 Course Delivery Personnel: Roles and Responsibilities {#nmlsFS_sec3_coursepersonnel .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_sec3_coursepersonnel.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_sec3_coursereqs.md:chunk-0",
      "title": "3.1 Course Requirements {#nmlsFS_sec3_coursereqs .concept}",
      "content": "# 3.1 Course Requirements \n\nClassroom equivalent courses are generally intended to be delivered to meet the following two scenarios:\n\n3.1.1 Instructor to Group\n:   A number of students grouped together in multiple locations \\(i.e. hotel conference room or at a training center\\) and the students and the instructor are in different physical locations. This format is also sometimes referred to as a live video cast.\n\n3.1.2 Instructor to Individual\n:   An individual instructor teaching a number of individual students who are all geographically dispersed, and the student may be participating in the course from their home or work office. This format is also sometimes referred to as a webinar.\n\n**Parent topic:**Section 3: Specific Requirements for Classroom Equivalent \\(Webinar\\) Courses",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_sec3_coursereqs.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_sec3_coursereqs.md",
      "headings": [
        "3.1 Course Requirements {#nmlsFS_sec3_coursereqs .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_sec3_coursereqs.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_sec3_interactionreqs.md:chunk-0",
      "title": "3.6 Interaction Requirements {#nmlsFS_sec3_interactionreqs .concept}",
      "content": "# 3.6 Interaction Requirements \n\nTo ensure course interaction, **at least two** of the following activities must be incorporated throughout the course:\n\n3.6.1 Quizzes\n:   A quiz of not less than five questions is required at the end of every module. The quiz questions are to be contextual to the unit of instruction just delivered and may not contain True/False questions.\n\n3.6.2 Requirement to Participate in Polls\n:   During the delivery of a unit of instruction, at least two polling questions are to be incorporated into the lesson. The polling questions may be True/False or multiple choice. Students are required to participate in the polls. If a student does not respond to a poll, then the instructor/moderator is to engage the student.\n\n3.6.3 Requirement for Instructor to Facilitate Dialogue and Ask Questions:\n:   Instructors are required to engage students by asking the students questions specific to the unit of instruction and learning objectives. The question may be verbal in which the response is delivered via a polling mechanism \\(e.g. text reply\\), or the questions may be sent and replied using the text messaging capabilities of the course delivery system.\n\n**Parent topic:**Section 3: Specific Requirements for Classroom Equivalent \\(Webinar\\) Courses",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_sec3_interactionreqs.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_sec3_interactionreqs.md",
      "headings": [
        "3.6 Interaction Requirements {#nmlsFS_sec3_interactionreqs .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_sec3_interactionreqs.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_sec3_rocs.md:chunk-0",
      "title": "3.8 Requirement for Issuance and Enforcement of Rules of Conduct for Students {#nmlsFS_sec3_rocs .concept}",
      "content": "# 3.8 Requirement for Issuance and Enforcement of Rules of Conduct for Students \n\nPrior to the start of every NMLS approved course offering, every student must agree to the Rules of Conduct for Students \\(ROCS\\) V4. The Rules of Conduct, which are made available to course providers by NMLS, are required to be displayed and agreed to by students under the following conditions:\n\n3.8.1\n:   At the start of every webinar course, the instructor or the course facilitator is required to explain the Rules of Conduct. The student is required to sign the ROCS at the start of the course or as part of the course registration process.\n\n3.8.2\n:   The course provider is required to retain a signed copy of the ROCS for five \\(5\\) years. The ROCS copies are required to be emailed, signed, and collected or completed and stored electronically:\n\n    -   Required to be completed at time of registration.\n    -   Reviewed by the instructor at the start of the course to outline details of the ROC, seat requirements, and course completion expectations.\n    -   Attestation may be completed at start of the course if not done prior at registration.\n\n3.8.3\n:   The ROCS is also to be included as part of the cover page or a stand-alone second page of all course materials.\n\n**Parent topic:**Section 3: Specific Requirements for Classroom Equivalent \\(Webinar\\) Courses",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_sec3_rocs.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_sec3_rocs.md",
      "headings": [
        "3.8 Requirement for Issuance and Enforcement of Rules of Conduct for Students {#nmlsFS_sec3_rocs .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_sec3_rocs.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_sec3_studentauthentication.md:chunk-0",
      "title": "3.4 Requirement for Student Authentication {#nmlsFS_sec3_studentauthentication .concept}",
      "content": "# 3.4 Requirement for Student Authentication \n\nCourse providers are required to employ a means to verify that a student is in attendance by one of the following means:\n\n3.4.1 Sign-In Process:\n:   Course providers are required to employ a means to verify student identity by one of the following means:\n\n    3.4.1.1 Verification of Government Issued ID\n    :   Driver’s License, Passport, or equivalent. *Verification of this information is required to be executed in a way to ensure privacy of the student’s information*.\n\n    3.4.1.2 Employment of Facilitators\n    :   If the course is being delivered to a group located in a conference room, facilitators may be employed to check students into the course and to verify identity. Once students have entered the course venue, facilitators assume responsibility for validating those students have returned from breaks.\n\n    3.4.1.3 Knowledge-Based Authentication\n    :   Have a means to validate the student’s identity by employing a form of knowledge-based identification \\(e.g., matching student responses to questions to information acquired through course registration or an existing database\\).\n\n        -   If students are direct employees of the hiring organization, the use of the following would be acceptable:\n            -   Use of information via employment application for verification purposes\n            -   Verification of Government Issued I.D. at time of employment prior to the start of a course\n\n        **Note:** All time spent to complete housekeeping, administrative and orientation tasks is not to be included in the hour\\(s\\) of instruction in which the course is approved for.\n\n3.4.2 Issuing Course Credit:\n:   Course provider is responsible for ensuring all completion requirements are met before issuing course credit, including:\n\n    -   Course provider must ensure student is in the course for its entirety to credit bank hours.\n    -   Attendance records must be kept by the course provider.\n\n**Parent topic:**Section 3",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_sec3_studentauthentication.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_sec3_studentauthentication.md",
      "headings": [
        "3.4 Requirement for Student Authentication {#nmlsFS_sec3_studentauthentication .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_sec3_studentauthentication.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_sec3_studentauthentication.md:chunk-1",
      "title": "3.4 Requirement for Student Authentication {#nmlsFS_sec3_studentauthentication .concept}",
      "content": "luding:\n\n    -   Course provider must ensure student is in the course for its entirety to credit bank hours.\n    -   Attendance records must be kept by the course provider.\n\n**Parent topic:**Section 3: Specific Requirements for Classroom Equivalent \\(Webinar\\) Courses",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_sec3_studentauthentication.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_sec3_studentauthentication.md",
      "headings": [
        "3.4 Requirement for Student Authentication {#nmlsFS_sec3_studentauthentication .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_sec3_studentauthentication.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_sec3_techreqs.md:chunk-0",
      "title": "3.7 Technical Requirements {#nmlsFS_sec3_techreqs .concept}",
      "content": "# 3.7 Technical Requirements \n\n3.7.1 Webinar Platforms\n:   The technology platform employed to deliver classroom equivalent instruction must be able to support the following capabilities:\n\n    -   Synchronous communication between the students and the instructor and/or facilitator.\n    -   Ability to provide polls or surveys and display results from students in near-real time.\n    -   Ability to properly display any visual resources.\n    -   Ability to take acceptable attendance.\n    -   Ability to create time log reports to track student time in session.\n    -   Be accessible and supported by devices being used by students to access the course.\n\n3.7.2 Video Feed for Webcam\n:   Whether the classroom equivalent format is being used to instruct a group or an individual, the course provider must make use of a video feed \\(web cam\\) to broadcast the course \\(enable student to view the instructor and course materials\\).\n\n    3.7.2.1 Instructor\n    :   -   Instructor must have an acceptable high-speed internet connection and be on camera for the duration of instruction.\n-   It is recommended instructor has a mi/fi \\(hotspot\\) or the equivalent available for back up in case of possible outages.\n-   Provider must have a backup plan in place if instructor experiences prolonged outages or connection issues.\n\n    3.7.2.2 Student\n    :   -   Students must have an acceptable internet connection and be visible on camera from at least the shoulders up for the duration of the course instruction.\n    -   If a student is unable to comply with these requirements, they must be removed from the class.\n    -   If connection issues occur, student is expected to proactively communicate issues to the instructor or facilitator immediately. An effort should be made to reconnect the student.\n    -   If a student is unable to regain connection for a prolonged period, they must be removed from the class and be rescheduled to another class.\n\n3.7.3 Student Devices:\n:   Devices used by students nee",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_sec3_techreqs.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_sec3_techreqs.md",
      "headings": [
        "3.7 Technical Requirements {#nmlsFS_sec3_techreqs .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_sec3_techreqs.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_sec3_techreqs.md:chunk-1",
      "title": "3.7 Technical Requirements {#nmlsFS_sec3_techreqs .concept}",
      "content": "   If a student is unable to regain connection for a prolonged period, they must be removed from the class and be rescheduled to another class.\n\n3.7.3 Student Devices:\n:   Devices used by students need to have capability of accessing all features of the platform used by the course provider and allow the student to fully engage with the instructor and class.\n\n    Acceptable devices include:\n\n    -   Desktop computers\n    -   Laptops\n    -   Tablets – must have all the same compatibilities as a desktop and/or laptop \\(camera, keyboard, etc.\\)\n\n3.7.4 Special Technical Considerations\n:   Course providers must be sensitive to the following when delivering instruction using the classroom equivalent \\(webinar\\) format:\n\n    3.7.4.1 Student’s Internet Connection\n    :   In order to effectively view video online or from a remote connection, both the instructor and the student are required to have a high-speed \\(broadband\\) Internet connection or video broadcast capability. Course providers should survey or inform the student prior to the start of the course to ensure they meet this requirement.\n\n    3.7.4.2 PC and Mac Compliant Software\n    :   The course provider needs to ensure that the technology employed is both PC and Mac compliant. For example, if the technology is Mac compliant only, then the student needs to be made aware of this prior to enrolling in the course.\n\n    3.7.4.3 Browser Considerations:\n    :   The course provider needs to ensure that the technology works on all common browsers to include Internet Explorer, Mozilla Firefox and/or Safari. Should the required technology not work with a particular browser or if the browser requires a plug-in or other configuration \\(i.e. disabling pop-up blockers\\), then the student must be made aware of the requirement PRIOR to the start of the course.\n\n**Parent topic:**Section 3: Specific Requirements for Classroom Equivalent \\(Webinar\\) Courses",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_sec3_techreqs.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_sec3_techreqs.md",
      "headings": [
        "3.7 Technical Requirements {#nmlsFS_sec3_techreqs .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_sec3_techreqs.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_sec3_techreqs.md:chunk-2",
      "title": "3.7 Technical Requirements {#nmlsFS_sec3_techreqs .concept}",
      "content": "o the start of the course.\n\n**Parent topic:**Section 3: Specific Requirements for Classroom Equivalent \\(Webinar\\) Courses",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_sec3_techreqs.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_sec3_techreqs.md",
      "headings": [
        "3.7 Technical Requirements {#nmlsFS_sec3_techreqs .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_sec3_techreqs.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_sec3_webinarReqs.md:chunk-0",
      "title": "Section 3: Specific Requirements for Classroom Equivalent \\(Webinar\\) Courses {#nmlsFS_sec3_webinarReqs .concept}",
      "content": "# Section 3: Specific Requirements for Classroom Equivalent \\(Webinar\\) Courses \n\nPrior to reviewing the requirements for the specific course format, please ensure that all requirements are met as listed in Section 1: General Requirements for All Course Formats.\n\n-   **3.1 Course Requirements**  \nClassroom equivalent courses are generally intended to be delivered to meet the following two scenarios:\n-   **3.2 Course Delivery Personnel: Roles and Responsibilities**  \nBecause of the potential high number of students taking this course format, and the venue in which the course format is typically offered, classroom equivalent courses typically require the support of a greater number of people. In most situations, the following roles and responsibilities apply:\n-   **3.3 Class Size and Physical Environment**  \nThere is no fixed floor or ceiling limit on the number of students that a course provider using the classroom equivalent format can teach. However, course providers need to take into consideration the following:\n-   **3.4 Requirement for Student Authentication**  \nCourse providers are required to employ a means to verify that a student is in attendance by one of the following means:\n-   **3.5 Validation of Attendance**  \nThe course provider is required to verify that the student has attended the entire course offering to receive course credit. If the course provider cannot verify full attendance, the student must re-take the entire course.\n-   **3.6 Interaction Requirements**  \nTo ensure course interaction, **at least two** of the following activities must be incorporated throughout the course:\n-   **3.7 Technical Requirements**  \n\n-   **3.8 Requirement for Issuance and Enforcement of Rules of Conduct for Students**  \nPrior to the start of every NMLS approved course offering, every student must agree to the Rules of Conduct for Students \\(ROCS\\) V4. The Rules of Conduct, which are made available to course providers by NMLS, are required to be displayed and agreed ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_sec3_webinarReqs.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_sec3_webinarReqs.md",
      "headings": [
        "Section 3: Specific Requirements for Classroom Equivalent \\(Webinar\\) Courses {#nmlsFS_sec3_webinarReqs .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_sec3_webinarReqs.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_sec3_webinarReqs.md:chunk-1",
      "title": "Section 3: Specific Requirements for Classroom Equivalent \\(Webinar\\) Courses {#nmlsFS_sec3_webinarReqs .concept}",
      "content": "ffering, every student must agree to the Rules of Conduct for Students \\(ROCS\\) V4. The Rules of Conduct, which are made available to course providers by NMLS, are required to be displayed and agreed to by students under the following conditions:\n\n**Parent topic:**Functional Specifications for All NMLS Approved Courses \\(version 17\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_sec3_webinarReqs.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_sec3_webinarReqs.md",
      "headings": [
        "Section 3: Specific Requirements for Classroom Equivalent \\(Webinar\\) Courses {#nmlsFS_sec3_webinarReqs .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_sec3_webinarReqs.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_timeReqs.md:chunk-0",
      "title": "1.5 Time Requirements {#nmlsFS_timeReqs .concept}",
      "content": "# 1.5 Time Requirements \n\nEvery course is to be designed appropriately for adult learners such that it contains sufficient content and/or activities to meet the minimum time requirement of 50 seat minutes for each clock hour the course is approved. Course design must ensure that the minimum time required by the **SAFE Act** is received for the specific course topics.\n\n-   **1.5.1 Specified Start and End Time**  \nClassroom, classroom equivalent, and online instructor-led courses must have a specified start and end date and time.\n-   **1.5.2 Course Scheduling**  \nCourse end dates must be scheduled such that a student will complete the course in a reasonable amount of time.\n-   **1.5.3 Meeting Minimum Course Hour Requirements**  \nCourses will only be approved if the course meets the minimum number of hours associated with the **SAFE Act** requirement and contains enough content to support that number of hours. Accordingly, a course may only be registered under one category.\n-   **1.5.4 Mandatory Breaks**  \nCourse start and end time must take into consideration time for breaks. Breaks do not count as part of the time required for instruction. No instruction is to extend for longer than four hours without a break.\n-   **1.5.5 Maximum Course Session**  \nNo course session is to extend for longer than 12 hours within a single day \\(24-hour period\\).\n-   **1.5.6 Responsibility to Ensure Seat Time**  \nseat time is defined as the time that a student is in the course and engaged with the instructor, other students, course content, and activities. One hour is defined as 50 clock minutes.\n\n**Parent topic:**Section 1: General Requirements for All Course Formats",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_timeReqs.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_timeReqs.md",
      "headings": [
        "1.5 Time Requirements {#nmlsFS_timeReqs .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_timeReqs.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_timeReqsCourseSched.md:chunk-0",
      "title": "1.5.2 Course Scheduling {#nmlsFS_timeReqsCourseSched .concept}",
      "content": "# 1.5.2 Course Scheduling \n\nCourse end dates must be scheduled such that a student will complete the course in a reasonable amount of time.\n\n1.5.2.1\n:   Course providers cannot schedule courses with a start and end date that extends beyond December 31st. This is to ensure the student completes the course within the required calendar year as required by the SAFE Act.\n\n1.5.2.2\n:   Course providers must ensure that the appropriate administrative time is scheduled to process course completions and upload the information \\(credit bank\\) into NMLS within the specified seven \\(7\\) days after the course end date.\n\n1.5.2.3 online instructor-led\n:   Online instructor-led courses are required to be designed and delivered such that the instructor leads the course with all students through instructor-to-student / student-to-student interaction. This interactivity is required to be continual and obvious throughout the entire course. **The delivery of an online instructor-led course in a self-study format is prohibited.**\n\n    **Note:** The availability of online instructor-led courses is intended to ensure an option exist for individuals where attending a classroom course may be problematic due to geography or lack of availability of a local course provider.\n\n    *The scheduling of these courses is not intended to be a “convenience” option whereby a student can causally work at their own pace or when their schedule allows. Students taking these courses are required to allocate personal / professional time and put forth the same level of effort as would be required to complete a classroom or classroom equivalent course. __During the time period in which the course is being offered, instructors are required to hold students accountable for attendance and work and must be responsive to student’s assignments and questions just as they would be in a physical classroom__.*\n\n    Course completion times must adhere to the following requirements:\n\n    -   **An online instructor-led course",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_timeReqsCourseSched.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_timeReqsCourseSched.md",
      "headings": [
        "1.5.2 Course Scheduling {#nmlsFS_timeReqsCourseSched .concept}",
        "Time Zone Consideration {#section_ecb_mxh_22c .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_timeReqsCourseSched.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_timeReqsCourseSched.md:chunk-1",
      "title": "1.5.2 Course Scheduling {#nmlsFS_timeReqsCourseSched .concept}",
      "content": "student’s assignments and questions just as they would be in a physical classroom__.*\n\n    Course completion times must adhere to the following requirements:\n\n    -   **An online instructor-led course that is five \\(5\\) or fewer hours may not extend longer than 12 hours from the course start time.**\n\n        For example, a 3 hour PE course that begins at 9am ET must be completed by 9pm ET the same day. All course completion requirements, reading, assignment, and student/instructor interaction is to be completed within this 12-hour period.\n\n    -   **An online instructor-led course that is between six \\(6\\) to twelve \\(12\\) hours may not be scheduled to extend longer than 24 hours after the start time.**\n\n        For example, an 8 hour PE course that begins at 9am ET must be completed by 9am ET the next day. All course completion requirements, reading, assignment, and student/instructor interaction is to be completed within this 24-hour period.\n\n    -   **An online instructor-led course that is thirteen \\(13\\) or more hours may not be scheduled to extend longer than 14 calendar days after the start time.**\n    -   **No PE course may be scheduled to extend for a period longer than those listed above without prior approval from NMLS.**\n\n## Time Zone Consideration \n\nNMLS understands that some course providers may offer courses to students who are participating from multiple time zones. Course providers need to consider this fact, schedule start time accordingly, and set student and instructor expectations such that all assignment and student-to-student and instructor-to-student interaction can be completed within the required time.\n\n**Parent topic:**1.5 Time Requirements",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_timeReqsCourseSched.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_timeReqsCourseSched.md",
      "headings": [
        "1.5.2 Course Scheduling {#nmlsFS_timeReqsCourseSched .concept}",
        "Time Zone Consideration {#section_ecb_mxh_22c .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_timeReqsCourseSched.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_timeReqsEnsureSeatTime.md:chunk-0",
      "title": "1.5.6 Responsibility to Ensure Seat Time {#nmlsFS_timeReqsEnsureSeatTime .concept}",
      "content": "# 1.5.6 Responsibility to Ensure Seat Time \n\nseat time is defined as the time that a student is in the course and engaged with the instructor, other students, course content, and activities. One hour is defined as 50 clock minutes.\n\n**Important:** Course providers are responsible for designing and delivering instruction that ensures the student meets the time requirements for which the course is approved.\n\nProviders delivering instruction are to have in place and enforce policies that prohibit students from engaging in outside activities while they are completing the course.\n\nProviders are to design and deliver courses that require the student to be continuously engaged with sufficient content and activities to meet the approved number of hours.\n\n**Note:** online self-study courses are to be configured such that they prevent seat time from accruing due to inactivity, and/or by “challenging” or “gaming” any aspect of the course. This includes but is not limited to rapid button clicking, space bar holding, or any other means that will create a period of time-accruing inactivity which allows the student to spend less than the required seat time for which the course was approved.\n\n**Note:** online instructor-led courses are required to be designed and delivered such that the instructor leads the course with all students through instructor-to-student/student-to-student interaction. This interactivity is required to be continual and obvious throughout the entire course.\n\n**Parent topic:**1.5 Time Requirements",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_timeReqsEnsureSeatTime.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_timeReqsEnsureSeatTime.md",
      "headings": [
        "1.5.6 Responsibility to Ensure Seat Time {#nmlsFS_timeReqsEnsureSeatTime .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_timeReqsEnsureSeatTime.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_timeReqsMandatoryBreaks.md:chunk-0",
      "title": "1.5.4 Mandatory Breaks {#nmlsFS_timeReqsMandatoryBreaks .concept}",
      "content": "# 1.5.4 Mandatory Breaks \n\nCourse start and end time must take into consideration time for breaks. Breaks do not count as part of the time required for instruction. No instruction is to extend for longer than four hours without a break.\n\n**Parent topic:**1.5 Time Requirements",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_timeReqsMandatoryBreaks.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_timeReqsMandatoryBreaks.md",
      "headings": [
        "1.5.4 Mandatory Breaks {#nmlsFS_timeReqsMandatoryBreaks .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_timeReqsMandatoryBreaks.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_timeReqsMaxCourseSession.md:chunk-0",
      "title": "1.5.5 Maximum Course Session {#nmlsFS_timeReqsMaxCourseSession .concept}",
      "content": "# 1.5.5 Maximum Course Session \n\nNo course session is to extend for longer than 12 hours within a single day \\(24-hour period\\).\n\n**Parent topic:**1.5 Time Requirements",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_timeReqsMaxCourseSession.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_timeReqsMaxCourseSession.md",
      "headings": [
        "1.5.5 Maximum Course Session {#nmlsFS_timeReqsMaxCourseSession .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_timeReqsMaxCourseSession.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmlsFS_timeReqsMinZClockReq.md:chunk-0",
      "title": "1.5.3 Meeting Minimum Course Hour Requirements {#nmlsFS_timeReqsMinZClockReq .concept}",
      "content": "# 1.5.3 Meeting Minimum Course Hour Requirements \n\nCourses will only be approved if the course meets the minimum number of hours associated with the **SAFE Act** requirement and contains enough content to support that number of hours. Accordingly, a course may only be registered under one category.\n\nFor example, there cannot be a 2-hour individual core federal law course since the minimum number of hours required to satisfy the **SAFE Act** requirement for federal law for both pre-licensure and continuing education is 3 hours.\n\n**Parent topic:**1.5 Time Requirements",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmlsFS_timeReqsMinZClockReq.md",
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      "headings": [
        "1.5.3 Meeting Minimum Course Hour Requirements {#nmlsFS_timeReqsMinZClockReq .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmlsFS_timeReqsMinZClockReq.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmslFS_courseMaterialSyllabus.md:chunk-0",
      "title": "1.6.3 Requirement for Course Syllabus {#nmslFS_courseMaterialSyllabus .concept}",
      "content": "# 1.6.3 Requirement for Course Syllabus \n\nEvery course is required to have a course syllabus that is easily accessible and available to every student. While it is beyond the scope of this document to provide instruction on how to write a course syllabus, some general information and guidelines are provided below.\n\nCourse syllabi, at a minimum, must include the following information:\n\n-   Instructor contact information, if applicable;\n-   Course description;\n-   Course date;\n-   Requirement for text or other course materials;\n-   Course completion requirements;\n-   Policies regarding attendance and behavior;\n-   Topical outline\n-   Learning objectives; and\n-   Any technology requirements, including need for software, camera, continuous interaction, internet access, etc.\n\n**Parent topic:**1.6 Course Materials",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmslFS_courseMaterialSyllabus.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmslFS_courseMaterialSyllabus.md",
      "headings": [
        "1.6.3 Requirement for Course Syllabus {#nmslFS_courseMaterialSyllabus .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmslFS_courseMaterialSyllabus.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/funcSpec/maps/topics/nmslFS_courseMaterials.md:chunk-0",
      "title": "1.6 Course Materials {#nmslFS_courseMaterials .concept}",
      "content": "# 1.6 Course Materials \n\n-   **1.6.1 Course Material Delivery**  \nCourse materials, including but not limited to the course syllabus, are required to be delivered to a student as part of the course. The materials are to be distributed to the student either in person or made available by downloading either at the start of the course or as the course is progressing.\n-   **1.6.2 Requirement for Course Cover Page**  \nEvery course is required to have a cover page that must include the following information:\n-   **1.6.3 Requirement for Course Syllabus**  \nEvery course is required to have a course syllabus that is easily accessible and available to every student. While it is beyond the scope of this document to provide instruction on how to write a course syllabus, some general information and guidelines are provided below.\n-   **1.6.4 Requirement for Citation of References and APA Writing Style**  \n All sources and references are required to be cited. Information pertaining to laws should be summarized with key points presented in bullet format or as distinct points with references made to the specific law or regulation.\n-   **1.6.5 Instructor Contact Information**  \nIf applicable, students are to be provided with instructor contact information.\n-   **1.6.6 Identify Specific Technology Requirements**  \nIf there is a unique technology or software requirement necessary to complete the course, these are to be identified.\n-   **1.6.7 Technical Support**  \nIf applicable, identify what technical support is available and how a student can access it. Course providers should also note the hours when technical support is available keeping in mind that some students may participate in the course during the evening hours or on the weekend.\n\n**Parent topic:**Section 1: General Requirements for All Course Formats",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmslFS_courseMaterials.md",
      "relative_path": "maps\\NMLS\\education\\funcSpec\\maps\\topics\\nmslFS_courseMaterials.md",
      "headings": [
        "1.6 Course Materials {#nmslFS_courseMaterials .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/funcSpec/maps/topics/nmslFS_courseMaterials.html",
      "snippet": null
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    {
      "id": "maps/NMLS/education/mlo_testing/MTEB/AAP_SAFE_edReqs_NMLSapprovedCP.md:chunk-0",
      "title": "Administrative Action Procedures for SAFE Act Education Requirements NMLS Approved Course Providers {#xd_7801de92744a7d4f--5e59a59-198947017f9--7ffb .concept}",
      "content": "# Administrative Action Procedures for SAFE Act Education Requirements NMLS Approved Course Providers \n\nProvides the policies and processes by which investigations will be conducted in the event and describes the rights persons and organizations have should they become the subject of an investigation by SRR or MTEB.\n\n## Administrative Action Procedures for NMLS Approved Course Providers \n\nApproved February 4, 2010\\[1\\] by the Mortgage Testing and Education Board \\(MTEB\\) acting on behalf of State Regulatory Registry LLC \\(SRR\\) and the Nationwide Mortgage Licensing System & Registry \\(NMLS\\)\n\n## I. Introduction \n\nThe Mortgage Testing & Education Board \\(MTEB\\) was established by the State Regulatory Registry LLC Board of Managers \\(SRR BOM\\) in September 2009. The MTEB is responsible for the oversight of the testing and education requirements as mandated by the SAFE Act.[^1] MTEB responsibilities include oversight of the Administrative Action Procedures for test candidates, NMLS Approved Course Providers \\(ACP\\), and students taking NMLS approved courses. The MTEB is composed of seven mortgage regulators with representation from each CSBS district and AARMR.\n\n## II. Covered Persons \n\nThe SAFE Act obligates NMLS to apply reasonable standards to review and approve pre- licensure \\(PE\\) and continuing education \\(CE\\) courses. NMLS employs a two-part approval process by which persons or organizations receive or are denied status as an NMLS ACP. Once approved, ACPs are authorized to submit PE or CE courses for approval. Exercising authority to apply reasonable standards to approve PE and CE courses, NMLS established course design, approval, and delivery standards which NMLS ACPs are required to meet. Additionally, NMLS established, and the MTEB approved, Standards of Conduct for ACPs. Applicants and ACPs who fail to maintain provider or course approval standards and/or who violate the Standards of Conduct are covered by these Administrative Action Procedures.\n\n## Standa",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\MTEB\\AAP_SAFE_edReqs_NMLSapprovedCP.md",
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      "headings": [
        "Administrative Action Procedures for SAFE Act Education Requirements NMLS Approved Course Providers {#xd_7801de92744a7d4f--5e59a59-198947017f9--7ffb .concept}",
        "Administrative Action Procedures for NMLS Approved Course Providers {#section_rmw_vld_hgc .section}",
        "I. Introduction {#section_wxv_wld_hgc .section}",
        "II. Covered Persons {#section_n2g_zld_hgc .section}",
        "Standards of Conduct for Course Providers and Administrative Actions {#section_w3m_f22_hgc .section}",
        "The Mortgage Testing and Education Board \\(MTEB\\) {#section_usr_mf2_hgc .section}",
        "Complaints Regarding Violations of Approved Course Provider Standards of Conduct and Rules of Conduct for Students {#section_oh4_sf2_hgc .section}",
        "XIII. Management of Incidents, Complaints and Initiation of Investigation {#section_bwg_lg2_hgc .section}",
        "XX. Determination of a Violation {#section_apl_hh2_hgc .section}",
        "Sanctions {#section_dd4_lh2_hgc .section}",
        "XXV. Appeal {#section_ew5_5h2_hgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/MTEB/AAP_SAFE_edReqs_NMLSapprovedCP.html",
      "snippet": null
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    {
      "id": "maps/NMLS/education/mlo_testing/MTEB/AAP_SAFE_edReqs_NMLSapprovedCP.md:chunk-1",
      "title": "Administrative Action Procedures for SAFE Act Education Requirements NMLS Approved Course Providers {#xd_7801de92744a7d4f--5e59a59-198947017f9--7ffb .concept}",
      "content": "t for ACPs. Applicants and ACPs who fail to maintain provider or course approval standards and/or who violate the Standards of Conduct are covered by these Administrative Action Procedures.\n\n## Standards of Conduct for Course Providers and Administrative Actions \n\na. Course provider applicants and ACPs agree to meet minimum standards of conduct. As a condition for becoming an ACP, individuals must agree to the Standards of Conduct for Approved Course Providers. ACPs agree to meet and abide by the following policies:\n\n1.  NMLS Policy on Criteria for Granting Approval to Become an NMLS Approved Course Provider;\n2.  NMLS Policy on Criteria for Granting Approval for a Course to Become NMLS Approved;\n3.  NMLS Functional Specification for All NMLS Approved Courses;\n4.  NMLS Policy on Business Arrangements, Reselling, and Marketing of NMLS Approved Courses.\n\nc. Course provider applicants and ACPs may be subject to the terms and conditions and other agreements including but not limited to NMLS User Guides, Applications, NMLS policies and specifications pertaining to course configuration, content requirements, delivery, reporting, copyright laws, or other federal, state, or local laws or regulations.\n\nd. Section 2\\(J\\) of the SOC grants authority for SRR to conduct audits of any course it has approved at any time and by any means it sees fit to ensure the course is being delivered in accordance with NMLS policies.\n\ne. In the event of a violation of the Course Provider SOC or other substantive requirements issued by NMLS, SRR may bring an administrative action against the course provider applicant or the ACP. Such administrative action may include the denial of a pending application to become an ACP, withdrawal of an ACP’s approval, suspension of the ACP’s approval, suspension or removal of course\\(s\\) or course format approvals, and reprimands or other actions that may limit or restrict the manner in which the course provider applicant or ACP may operate with regard to the d",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\MTEB\\AAP_SAFE_edReqs_NMLSapprovedCP.md",
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      "headings": [
        "Administrative Action Procedures for SAFE Act Education Requirements NMLS Approved Course Providers {#xd_7801de92744a7d4f--5e59a59-198947017f9--7ffb .concept}",
        "Administrative Action Procedures for NMLS Approved Course Providers {#section_rmw_vld_hgc .section}",
        "I. Introduction {#section_wxv_wld_hgc .section}",
        "II. Covered Persons {#section_n2g_zld_hgc .section}",
        "Standards of Conduct for Course Providers and Administrative Actions {#section_w3m_f22_hgc .section}",
        "The Mortgage Testing and Education Board \\(MTEB\\) {#section_usr_mf2_hgc .section}",
        "Complaints Regarding Violations of Approved Course Provider Standards of Conduct and Rules of Conduct for Students {#section_oh4_sf2_hgc .section}",
        "XIII. Management of Incidents, Complaints and Initiation of Investigation {#section_bwg_lg2_hgc .section}",
        "XX. Determination of a Violation {#section_apl_hh2_hgc .section}",
        "Sanctions {#section_dd4_lh2_hgc .section}",
        "XXV. Appeal {#section_ew5_5h2_hgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/MTEB/AAP_SAFE_edReqs_NMLSapprovedCP.html",
      "snippet": null
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    {
      "id": "maps/NMLS/education/mlo_testing/MTEB/AAP_SAFE_edReqs_NMLSapprovedCP.md:chunk-2",
      "title": "Administrative Action Procedures for SAFE Act Education Requirements NMLS Approved Course Providers {#xd_7801de92744a7d4f--5e59a59-198947017f9--7ffb .concept}",
      "content": " removal of course\\(s\\) or course format approvals, and reprimands or other actions that may limit or restrict the manner in which the course provider applicant or ACP may operate with regard to the development and delivery of NMLS Approved Courses.\n\n## The Mortgage Testing and Education Board \\(MTEB\\) \n\nf. The MTEB is responsible for oversight of SAFE Act required testing and education activities including approval of these Administrative Action Procedures. The MTEB is comprised of state regulators and one representative of the American Association of Residential Mortgage Regulators \\(AARMR\\) appointed by the SRR Board of Managers.\n\ng. The SRR BOM determines the number of members and approves the appointment of one member to serve as Chair of the MTEB and another member to serve as Vice Chair. The Chair presides at all meetings of the MTEB.\n\n## Complaints Regarding Violations of Approved Course Provider Standards of Conduct and Rules of Conduct for Students \n\nh. SRR may consider any and all sources in order to determine that an investigation into the conduct of a covered person or organization may be warranted. It may consider written complaints from ACPs, education users, MLOs, or other parties. SRR, at its discretion, may respond to and act upon inquiries or submissions other than complaints. In its sole discretion, it may follow up on the complaints, inquiries or submissions and initiate investigations, refer them to other parties, or determine that they do not warrant further action.\n\nI. Persons or organizations wishing to submit a complaint regarding a possible violation of the Course Providers Standards of Conduct should do so in writing by completing a complaint form and sending it via email to: mtebinvestigations@csbs.org. Complaint forms submitted via email should be sent as .pdf files. Access the complaint form here: Complaint Form: Testing and Education, Standards and Rules of Conduct \\(PDF\\)\n\nj. Upon receipt and preliminary review of an incident or subm",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\MTEB\\AAP_SAFE_edReqs_NMLSapprovedCP.md",
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      "headings": [
        "Administrative Action Procedures for SAFE Act Education Requirements NMLS Approved Course Providers {#xd_7801de92744a7d4f--5e59a59-198947017f9--7ffb .concept}",
        "Administrative Action Procedures for NMLS Approved Course Providers {#section_rmw_vld_hgc .section}",
        "I. Introduction {#section_wxv_wld_hgc .section}",
        "II. Covered Persons {#section_n2g_zld_hgc .section}",
        "Standards of Conduct for Course Providers and Administrative Actions {#section_w3m_f22_hgc .section}",
        "The Mortgage Testing and Education Board \\(MTEB\\) {#section_usr_mf2_hgc .section}",
        "Complaints Regarding Violations of Approved Course Provider Standards of Conduct and Rules of Conduct for Students {#section_oh4_sf2_hgc .section}",
        "XIII. Management of Incidents, Complaints and Initiation of Investigation {#section_bwg_lg2_hgc .section}",
        "XX. Determination of a Violation {#section_apl_hh2_hgc .section}",
        "Sanctions {#section_dd4_lh2_hgc .section}",
        "XXV. Appeal {#section_ew5_5h2_hgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/MTEB/AAP_SAFE_edReqs_NMLSapprovedCP.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/MTEB/AAP_SAFE_edReqs_NMLSapprovedCP.md:chunk-3",
      "title": "Administrative Action Procedures for SAFE Act Education Requirements NMLS Approved Course Providers {#xd_7801de92744a7d4f--5e59a59-198947017f9--7ffb .concept}",
      "content": "ould be sent as .pdf files. Access the complaint form here: Complaint Form: Testing and Education, Standards and Rules of Conduct \\(PDF\\)\n\nj. Upon receipt and preliminary review of an incident or submission of a complaint involving the SOC, the department head of NMLS Mortgage Testing & Education Programs may determine that the incident or submission does not constitute a valid and actionable complaint that would justify initiating an investigation. If so, the department head may at his or her discretion dispose of the incident, complaint or submission. He or she will notify the complainant, if identified, that actions are or are not being taken. The department head will periodically provide a report to Senior Vice President, Product Operations and CSBS General Counsel describing the status of incidents and complaints and their dispositions.\n\n## XIII. Management of Incidents, Complaints and Initiation of Investigation \n\na. For each incident or submission of a complaint involving an alleged violation of the Course Provider Standards of Conduct, SRR may initiate an investigation into the specific facts or circumstances to whatever extent is necessary in order to clarify, expand, or corroborate the information provided by the complainant or the incident reporter. The department head of NMLS Mortgage Testing & Education Programs shall serve as the primary investigator or assign one or more SRR or MTEB members to serve in that capacity.\n\nThe primary investigator may be assisted in the investigation by other CSBS or SRR staff, members of the MTEB, legal counsel, or other resources as SRR may find necessary.\n\nb. SRR will notify, in writing, the covered person or organization about whom the submission or complaint has been made, that an incident regarding a violation of the SOC is being investigated. The covered person or organization whose conduct is at issue shall be given the opportunity to respond to the complaint or incident and provide information about the complaint ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\MTEB\\AAP_SAFE_edReqs_NMLSapprovedCP.md",
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      "headings": [
        "Administrative Action Procedures for SAFE Act Education Requirements NMLS Approved Course Providers {#xd_7801de92744a7d4f--5e59a59-198947017f9--7ffb .concept}",
        "Administrative Action Procedures for NMLS Approved Course Providers {#section_rmw_vld_hgc .section}",
        "I. Introduction {#section_wxv_wld_hgc .section}",
        "II. Covered Persons {#section_n2g_zld_hgc .section}",
        "Standards of Conduct for Course Providers and Administrative Actions {#section_w3m_f22_hgc .section}",
        "The Mortgage Testing and Education Board \\(MTEB\\) {#section_usr_mf2_hgc .section}",
        "Complaints Regarding Violations of Approved Course Provider Standards of Conduct and Rules of Conduct for Students {#section_oh4_sf2_hgc .section}",
        "XIII. Management of Incidents, Complaints and Initiation of Investigation {#section_bwg_lg2_hgc .section}",
        "XX. Determination of a Violation {#section_apl_hh2_hgc .section}",
        "Sanctions {#section_dd4_lh2_hgc .section}",
        "XXV. Appeal {#section_ew5_5h2_hgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/MTEB/AAP_SAFE_edReqs_NMLSapprovedCP.html",
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    {
      "id": "maps/NMLS/education/mlo_testing/MTEB/AAP_SAFE_edReqs_NMLSapprovedCP.md:chunk-4",
      "title": "Administrative Action Procedures for SAFE Act Education Requirements NMLS Approved Course Providers {#xd_7801de92744a7d4f--5e59a59-198947017f9--7ffb .concept}",
      "content": " is being investigated. The covered person or organization whose conduct is at issue shall be given the opportunity to respond to the complaint or incident and provide information about the complaint or incident in a manner defined by SRR.\n\nc. Both the individual or organization submitting the complaint, if applicable, and the covered person or organization which is the subject of the investigation may be contacted for additional information regarding the facts of the complaint. SRR may at its discretion contact other individuals who may have knowledge of the details and circumstances surrounding the complaint.\n\nd. All investigations and deliberations of SRR are conducted objectively, without any indication of prejudgment. An investigation may be directed toward any aspect of a complaint which is relevant or potentially relevant.\n\ne. SRR at its discretion may hold informal hearings.\n\nf. SRR at its discretion may notify or seek assistance from any relevant state regulator regarding the investigation it is conducting.\n\ng. At its discretion, SRR may impose a temporary suspension on the related ACP, approved course and/or instructors or impose any other remedies as appropriate.\n\n## XX. Determination of a Violation \n\na. Upon completion of an investigation, SRR will determine that there has or has not been a violation of the Course Providers Standards of Conduct or of other substantive requirements of NMLS education requirements. If SRR makes a determination that there has been a violation of the Standards of Conduct, it may also include a sanction to apply to the person or organization which is found to have violated the Standards of Conduct.\n\n1.  If SRR makes a determination that a violation has occurred, this determination and the imposition of a sanction are promulgated by written notice to the covered person or organization.\n2.  SRR shall report on a regular basis to the MTEB the status of investigations and findings and SRR shall, upon request, report to the SRR BOM",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\MTEB\\AAP_SAFE_edReqs_NMLSapprovedCP.md",
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      "headings": [
        "Administrative Action Procedures for SAFE Act Education Requirements NMLS Approved Course Providers {#xd_7801de92744a7d4f--5e59a59-198947017f9--7ffb .concept}",
        "Administrative Action Procedures for NMLS Approved Course Providers {#section_rmw_vld_hgc .section}",
        "I. Introduction {#section_wxv_wld_hgc .section}",
        "II. Covered Persons {#section_n2g_zld_hgc .section}",
        "Standards of Conduct for Course Providers and Administrative Actions {#section_w3m_f22_hgc .section}",
        "The Mortgage Testing and Education Board \\(MTEB\\) {#section_usr_mf2_hgc .section}",
        "Complaints Regarding Violations of Approved Course Provider Standards of Conduct and Rules of Conduct for Students {#section_oh4_sf2_hgc .section}",
        "XIII. Management of Incidents, Complaints and Initiation of Investigation {#section_bwg_lg2_hgc .section}",
        "XX. Determination of a Violation {#section_apl_hh2_hgc .section}",
        "Sanctions {#section_dd4_lh2_hgc .section}",
        "XXV. Appeal {#section_ew5_5h2_hgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/MTEB/AAP_SAFE_edReqs_NMLSapprovedCP.html",
      "snippet": null
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    {
      "id": "maps/NMLS/education/mlo_testing/MTEB/AAP_SAFE_edReqs_NMLSapprovedCP.md:chunk-5",
      "title": "Administrative Action Procedures for SAFE Act Education Requirements NMLS Approved Course Providers {#xd_7801de92744a7d4f--5e59a59-198947017f9--7ffb .concept}",
      "content": "y written notice to the covered person or organization.\n2.  SRR shall report on a regular basis to the MTEB the status of investigations and findings and SRR shall, upon request, report to the SRR BOM all findings where violations have occurred.\n\n## Sanctions \n\nh. If SRR determines that a violation of the Course Provider Standards of Conduct has occurred, SRR will also determine the sanctions to be applied to the Approved Course Provider or, course provider applicant. In determining sanctions, SRR will take into consideration the nature and severity of the violation\\(s\\). Any of the following sanctions may be imposed on an Approved Course Provider or course provider applicant:\n\n1.  Written reprimand that includes appropriate remedial action the ACP must follow; or\n2.  Suspension of the ACP’s approval to offer NMLS approved courses, including but not limited to select types of courses or course formats; or\n3.  Withdrawal of the provider’s NMLS Approved Course Provider status, temporarily, indefinitely or permanently, or denial of an organization’s application to become an NMLS Approved Course Provider temporarily, indefinitely, or permanently; or other actions SRR may find appropriate.\n\n    I. Failure of the ACP to implement the remedial actions or sanctions imposed by SRR in a written reprimand may result in a more severe sanction being applied by SRR up to and including withdrawal of the provider’s NMLS Approved Course Provider status, temporarily, indefinitely, or permanently.\n\n    j. At its discretion, SRR may impose a temporary suspension pending an appeal of the sanction.\n\n    k. At its discretion, SRR may publicize the determination and the sanction of any investigation. In cases where a course provider is suspended or withdrawn, or a course provider’s NMLS approval status is suspended or withdrawn, summary information regarding the ACP’s status may be posted on the NMLS Resource Center.\n\n## XXV. Appeal \n\nk. Within fifteen \\(15\\) calendar days from receipt of ",
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        "Administrative Action Procedures for NMLS Approved Course Providers {#section_rmw_vld_hgc .section}",
        "I. Introduction {#section_wxv_wld_hgc .section}",
        "II. Covered Persons {#section_n2g_zld_hgc .section}",
        "Standards of Conduct for Course Providers and Administrative Actions {#section_w3m_f22_hgc .section}",
        "The Mortgage Testing and Education Board \\(MTEB\\) {#section_usr_mf2_hgc .section}",
        "Complaints Regarding Violations of Approved Course Provider Standards of Conduct and Rules of Conduct for Students {#section_oh4_sf2_hgc .section}",
        "XIII. Management of Incidents, Complaints and Initiation of Investigation {#section_bwg_lg2_hgc .section}",
        "XX. Determination of a Violation {#section_apl_hh2_hgc .section}",
        "Sanctions {#section_dd4_lh2_hgc .section}",
        "XXV. Appeal {#section_ew5_5h2_hgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/MTEB/AAP_SAFE_edReqs_NMLSapprovedCP.html",
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      "id": "maps/NMLS/education/mlo_testing/MTEB/AAP_SAFE_edReqs_NMLSapprovedCP.md:chunk-6",
      "title": "Administrative Action Procedures for SAFE Act Education Requirements NMLS Approved Course Providers {#xd_7801de92744a7d4f--5e59a59-198947017f9--7ffb .concept}",
      "content": "al status is suspended or withdrawn, summary information regarding the ACP’s status may be posted on the NMLS Resource Center.\n\n## XXV. Appeal \n\nk. Within fifteen \\(15\\) calendar days from receipt of notice of a determination by SRR that a covered person or organization has violated the Standards of Conduct or Rules of Conduct, the covered person or organization may submit a written request for appeal to the Chair of the MTEB which shall include reasons for the appeal. A written request for extension for an appeal may be granted for good cause shown.\n\nj. Upon receipt of a request for appeal, the Chair of the MTEB will establish an Appeal Committee consisting of a least three members, each of whom did not participate in the initial investigation. The Chair of the MTEB will name a member to chair each Appeal Committee. An Appeal Committee may review one or more appeals, upon request of the Chair.\n\nPersons or organizations should send their request for an appeal via email to: mtebinvestigations@csbs.org. Appeal requests submitted via email should be sent as .pdf files. Access the appeal form here: \\(Course Providers \\| Test Takers and Students\\)\n\nm. The Appeal Committee may determine that a finding by SRR of a violation of the Course Provider Standards of Conduct or Rules of Conduct for Students was inappropriate only because of: \\(1\\) material errors of fact; or \\(2\\) failure of SRR to conform to published criteria, policies, or procedures. In determining whether there were material errors of fact, the Appeal Committee may consider information which was not available during the initial review. The Appeal Committee may either affirm or overrule the determination of SRR, and may modify any sanctions which may have been imposed as a result of that determination. The MTEB and Appeal Committee may consult SRR and CSBS legal counsel or external legal counsel.\n\n-   \\(d\\) The Appeal Committee must conduct and complete the appeal within a reasonable amount of time not to excee",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\MTEB\\AAP_SAFE_edReqs_NMLSapprovedCP.md",
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      "headings": [
        "Administrative Action Procedures for SAFE Act Education Requirements NMLS Approved Course Providers {#xd_7801de92744a7d4f--5e59a59-198947017f9--7ffb .concept}",
        "Administrative Action Procedures for NMLS Approved Course Providers {#section_rmw_vld_hgc .section}",
        "I. Introduction {#section_wxv_wld_hgc .section}",
        "II. Covered Persons {#section_n2g_zld_hgc .section}",
        "Standards of Conduct for Course Providers and Administrative Actions {#section_w3m_f22_hgc .section}",
        "The Mortgage Testing and Education Board \\(MTEB\\) {#section_usr_mf2_hgc .section}",
        "Complaints Regarding Violations of Approved Course Provider Standards of Conduct and Rules of Conduct for Students {#section_oh4_sf2_hgc .section}",
        "XIII. Management of Incidents, Complaints and Initiation of Investigation {#section_bwg_lg2_hgc .section}",
        "XX. Determination of a Violation {#section_apl_hh2_hgc .section}",
        "Sanctions {#section_dd4_lh2_hgc .section}",
        "XXV. Appeal {#section_ew5_5h2_hgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/MTEB/AAP_SAFE_edReqs_NMLSapprovedCP.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/MTEB/AAP_SAFE_edReqs_NMLSapprovedCP.md:chunk-7",
      "title": "Administrative Action Procedures for SAFE Act Education Requirements NMLS Approved Course Providers {#xd_7801de92744a7d4f--5e59a59-198947017f9--7ffb .concept}",
      "content": " Appeal Committee may consult SRR and CSBS legal counsel or external legal counsel.\n\n-   \\(d\\) The Appeal Committee must conduct and complete the appeal within a reasonable amount of time not to exceed sixty \\[60\\] calendar days from receipt of the request for an appeal, which has been satisfactorily submitted. Written appellate submissions and any reply submissions may be made by authorized representatives of the covered person or organization and of SRR or MTEB. Submissions are made according to whichever schedule is reasonably established by the Appeal Committee. The decision of the Appeal Committee, including a statement of the reasons for the decision, is reported to the Chair of the MTEB who will make a report to SRR.\n-   \\(e\\) All reports where the Appeals Committee either overruled the determinations made by the IRC or modifies the sanctions will be reviewed by CSBS’ General Counsel \\(GC\\). The GC would determine if the determinations overruled or sanctions modified met a “material” threshold. If the materiality threshold is met, the case will be forwarded to the SRR Board for review. SRR Board may, in its discretion, review these cases and accept, overrule, modify or otherwise revise the Appeal Committees’ reports. The SRR Board’s actions will be final. SRR Board will notify the GC of its actions and the GC will notify the MTEB and IRC, who will send the final determination to the subject of the investigation.\n-   \\(f\\) If no appeal is made within fifteen \\[15\\] calendar days of the suspension or sanction, the action will stand.\n\n-   **Standards of Conduct for Approved Course Providers**  \nNMLS approval status is granted with the understanding that Course Providers will maintain the Standards of Conduct. Approved February 4, 2010 by the Mortgage Testing and Education Board acting on behalf of State Regulatory Registry LLC \\(SRR\\) and Nationwide Mortgage Licensing System and Registry \\(NMLS\\).\n\n**Parent topic:**T&E Agreements, AAP, and Enforcement Actions\n\n[",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\MTEB\\AAP_SAFE_edReqs_NMLSapprovedCP.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\MTEB\\AAP_SAFE_edReqs_NMLSapprovedCP.md",
      "headings": [
        "Administrative Action Procedures for SAFE Act Education Requirements NMLS Approved Course Providers {#xd_7801de92744a7d4f--5e59a59-198947017f9--7ffb .concept}",
        "Administrative Action Procedures for NMLS Approved Course Providers {#section_rmw_vld_hgc .section}",
        "I. Introduction {#section_wxv_wld_hgc .section}",
        "II. Covered Persons {#section_n2g_zld_hgc .section}",
        "Standards of Conduct for Course Providers and Administrative Actions {#section_w3m_f22_hgc .section}",
        "The Mortgage Testing and Education Board \\(MTEB\\) {#section_usr_mf2_hgc .section}",
        "Complaints Regarding Violations of Approved Course Provider Standards of Conduct and Rules of Conduct for Students {#section_oh4_sf2_hgc .section}",
        "XIII. Management of Incidents, Complaints and Initiation of Investigation {#section_bwg_lg2_hgc .section}",
        "XX. Determination of a Violation {#section_apl_hh2_hgc .section}",
        "Sanctions {#section_dd4_lh2_hgc .section}",
        "XXV. Appeal {#section_ew5_5h2_hgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/MTEB/AAP_SAFE_edReqs_NMLSapprovedCP.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/MTEB/AAP_SAFE_edReqs_NMLSapprovedCP.md:chunk-8",
      "title": "Administrative Action Procedures for SAFE Act Education Requirements NMLS Approved Course Providers {#xd_7801de92744a7d4f--5e59a59-198947017f9--7ffb .concept}",
      "content": "cation Board acting on behalf of State Regulatory Registry LLC \\(SRR\\) and Nationwide Mortgage Licensing System and Registry \\(NMLS\\).\n\n**Parent topic:**T&E Agreements, AAP, and Enforcement Actions\n\n[^1]: The S.A.F.E. Act is the Secure and Fair Enforcement for Mortgage Licensing Act of 2008, Title V of Public Law 110-289 , codified at 12 U.S.C. 5101 et seq.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\MTEB\\AAP_SAFE_edReqs_NMLSapprovedCP.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\MTEB\\AAP_SAFE_edReqs_NMLSapprovedCP.md",
      "headings": [
        "Administrative Action Procedures for SAFE Act Education Requirements NMLS Approved Course Providers {#xd_7801de92744a7d4f--5e59a59-198947017f9--7ffb .concept}",
        "Administrative Action Procedures for NMLS Approved Course Providers {#section_rmw_vld_hgc .section}",
        "I. Introduction {#section_wxv_wld_hgc .section}",
        "II. Covered Persons {#section_n2g_zld_hgc .section}",
        "Standards of Conduct for Course Providers and Administrative Actions {#section_w3m_f22_hgc .section}",
        "The Mortgage Testing and Education Board \\(MTEB\\) {#section_usr_mf2_hgc .section}",
        "Complaints Regarding Violations of Approved Course Provider Standards of Conduct and Rules of Conduct for Students {#section_oh4_sf2_hgc .section}",
        "XIII. Management of Incidents, Complaints and Initiation of Investigation {#section_bwg_lg2_hgc .section}",
        "XX. Determination of a Violation {#section_apl_hh2_hgc .section}",
        "Sanctions {#section_dd4_lh2_hgc .section}",
        "XXV. Appeal {#section_ew5_5h2_hgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/MTEB/AAP_SAFE_edReqs_NMLSapprovedCP.html",
      "snippet": null
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    {
      "id": "maps/NMLS/education/mlo_testing/MTEB/AAP_testTakersStudents.md:chunk-0",
      "title": "Administrative Action Procedures for Test Takers and Education Students {#xd_7801de92744a7d4f--5e59a59-198947017f9--7ff8 .concept}",
      "content": "# Administrative Action Procedures for Test Takers and Education Students \n\nProvides the policies and processes by which investigations will be conducted in the event and describes the rights persons and organizations have should they become the subject of an investigation by SRR or MTEB.\n\n## Administrative Action Procedures for SAFE Testing and Education Requirements \n\nApproved February 4, 2010[^1] by the Mortgage Testing and Education Board \\(MTEB\\) acting on behalf of State Regulatory Registry LLC \\(SRR\\) and the Nationwide Mortgage Licensing System & Registry \\(NMLS\\)\n\n## I. Introduction \n\nThe Mortgage Testing & Education Board \\(MTEB\\) was established by the State Regulatory Registry LLC Board of Managers \\(SRR BOM\\) in September 2009. The MTEB is responsible for the oversight of the testing and education requirements as mandated by the SAFE Act.[^2] MTEB responsibilities include oversight of the Administrative Action Procedures for test candidates, NMLS Approved Course Providers \\(ACP\\), and students taking NMLS approved courses. The MTEB is composed of seven mortgage regulators with representation from each CSBS district and AARMR.\n\n## II. Covered Persons \n\n\\(a\\) Persons who are seeking to become state-licensed mortgage loan originators \\(MLOs\\) must meet certain testing and education requirements. The testing requirement includes passing a qualified written test, developed by the NMLS, and administered by an NMLS-approved test provider, with a score of 75% or better. The education requirement includes completion of at least 20 hours of pre-licensure education \\(PE\\) approved by NMLS. Licensees who intend to renew their licenses must complete annually at least eight hours of continuing education \\(CE\\). Applicants for state MLO licensure, existing licensees, federal registrants, persons enrolled through the NMLS to take a component of the NMLS-developed test, persons who take the tests, and persons who take PE and CE are covered by these Administrative Action",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\MTEB\\AAP_testTakersStudents.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\MTEB\\AAP_testTakersStudents.md",
      "headings": [
        "Administrative Action Procedures for Test Takers and Education Students {#xd_7801de92744a7d4f--5e59a59-198947017f9--7ff8 .concept}",
        "Administrative Action Procedures for SAFE Testing and Education Requirements {#section_b12_3jm_hgc .section}",
        "I. Introduction {#section_br3_mjm_hgc .section}",
        "II. Covered Persons {#section_ddz_njm_hgc .section}",
        "III. Candidate Test Security and Confidentiality Agreement, Rules of Conduct and Administrative Actions {#section_lmf_pjm_hgc .section}",
        "IV. Mortgage Testing and Education Board \\(MTEB\\) {#section_e4r_qjm_hgc .section}",
        "V. Complaints Regarding Violations of Candidate Agreement and Rules of Conduct {#section_mvr_rjm_hgc .section}",
        "VI. Management of Incidents, Complaints and Initiation of Investigation {#section_zzk_tjm_hgc .section}",
        "VII. Determination of Violation {#section_ukf_5jm_hgc .section}",
        "VIII. Appeal {#section_dh5_zjm_hgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/MTEB/AAP_testTakersStudents.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/MTEB/AAP_testTakersStudents.md:chunk-1",
      "title": "Administrative Action Procedures for Test Takers and Education Students {#xd_7801de92744a7d4f--5e59a59-198947017f9--7ff8 .concept}",
      "content": "ral registrants, persons enrolled through the NMLS to take a component of the NMLS-developed test, persons who take the tests, and persons who take PE and CE are covered by these Administrative Action Procedures.\n\n\\(b\\) SRR and the MTEB may determine from time to time that other persons are covered by these Administrative Action Procedures.\n\n## III. Candidate Test Security and Confidentiality Agreement, Rules of Conduct and Administrative Actions \n\nPersons who enroll to take or who take the SAFE MLO Test agree to the terms and conditions of the NMLS User Agreement, the Candidate Test Security and Confidentiality Agreement \\(CA\\), the Rules of Conduct for Test Takers \\(ROCTT\\), test policies of the test vendor, copyright laws and other federal, state and local laws and regulations. The CA and ROCTT are located Rules of Conduct for Test Takers. Persons who take an NMLS approved PE or CE course agree to the terms of the Rules of Conduct for Education Students \\(ROCS\\). In the event of a complaint or report of a violation of these agreements or rules, SRR and/or the Conference of State Bank Supervisors \\(CSBS\\) may investigate the report of the violation by a covered person. They may take action against the person’s test results or education status including, but not limited to the invalidation of test results and the retraction of PE or CE compliance. Furthermore, they may refer their findings to appropriate state mortgage regulatory agencies. Neither the MTEB nor SRR/CSBS have authority to deny or revoke the license of an applicant or licensee. That authority is granted solely to the states and jurisdictions which license MLOs.\n\n## IV. Mortgage Testing and Education Board \\(MTEB\\) \n\n\\(a\\) The Mortgage Testing and Education Board is responsible for the oversight of SAFE Act required testing and education activities including the approval of these Administrative Action Procedures. The MTEB comprises individuals representing state mortgage regulatory agencies appointed b",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\MTEB\\AAP_testTakersStudents.md",
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      "headings": [
        "Administrative Action Procedures for Test Takers and Education Students {#xd_7801de92744a7d4f--5e59a59-198947017f9--7ff8 .concept}",
        "Administrative Action Procedures for SAFE Testing and Education Requirements {#section_b12_3jm_hgc .section}",
        "I. Introduction {#section_br3_mjm_hgc .section}",
        "II. Covered Persons {#section_ddz_njm_hgc .section}",
        "III. Candidate Test Security and Confidentiality Agreement, Rules of Conduct and Administrative Actions {#section_lmf_pjm_hgc .section}",
        "IV. Mortgage Testing and Education Board \\(MTEB\\) {#section_e4r_qjm_hgc .section}",
        "V. Complaints Regarding Violations of Candidate Agreement and Rules of Conduct {#section_mvr_rjm_hgc .section}",
        "VI. Management of Incidents, Complaints and Initiation of Investigation {#section_zzk_tjm_hgc .section}",
        "VII. Determination of Violation {#section_ukf_5jm_hgc .section}",
        "VIII. Appeal {#section_dh5_zjm_hgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/MTEB/AAP_testTakersStudents.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/MTEB/AAP_testTakersStudents.md:chunk-2",
      "title": "Administrative Action Procedures for Test Takers and Education Students {#xd_7801de92744a7d4f--5e59a59-198947017f9--7ff8 .concept}",
      "content": "t required testing and education activities including the approval of these Administrative Action Procedures. The MTEB comprises individuals representing state mortgage regulatory agencies appointed by the SRR BOM.\n\n\\(b\\) The SRR BOM approves the appointment of one member to serve as Chair of the MTEB and another member to serve as the Vice Chair. The Chair presides at all meetings of the MTEB.\n\n## V. Complaints Regarding Violations of Candidate Agreement and Rules of Conduct \n\n\\(a\\) SRR may consider any and all sources in order to determine an investigation into the conduct of a covered person may be warranted. It may consider written complaints from covered persons or other parties. SRR at its discretion, may respond to and act upon inquiries or submissions other than complaints. In its sole discretion it may follow up on the complaints, inquiries or submissions and initiate investigations, refer them to other parties, or determine that they do not warrant further action.\n\n\\(b\\) Persons or organizations wishing to submit a complaint regarding a possible violation of the CA and the ROCTT/ROCS should do so in writing by completing a complaint form and emailing to: mtebinvestigations@csbs.org. Complaint forms submitted via email should be sent as .pdf files. Complaint form \\(PDF\\).\n\n\\(c\\) Upon receipt and preliminary review of an incident or submission of a complaint involving the CA or the ROCTT/ROCS previously described, the department head of NMLS Mortgage Testing & Education Programs may determine the incident or submission does not constitute a valid and actionable complaint that would justify initiating an investigation. If so, the department head may at his or her discretion dispose of the incident, complaint or submission. He or she may notify the complainant, if identified, that actions are or are not being taken. The department head will periodically submit a report to the Senior Vice President, Product Operations and CSBS General Counsel describing the sta",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\MTEB\\AAP_testTakersStudents.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\MTEB\\AAP_testTakersStudents.md",
      "headings": [
        "Administrative Action Procedures for Test Takers and Education Students {#xd_7801de92744a7d4f--5e59a59-198947017f9--7ff8 .concept}",
        "Administrative Action Procedures for SAFE Testing and Education Requirements {#section_b12_3jm_hgc .section}",
        "I. Introduction {#section_br3_mjm_hgc .section}",
        "II. Covered Persons {#section_ddz_njm_hgc .section}",
        "III. Candidate Test Security and Confidentiality Agreement, Rules of Conduct and Administrative Actions {#section_lmf_pjm_hgc .section}",
        "IV. Mortgage Testing and Education Board \\(MTEB\\) {#section_e4r_qjm_hgc .section}",
        "V. Complaints Regarding Violations of Candidate Agreement and Rules of Conduct {#section_mvr_rjm_hgc .section}",
        "VI. Management of Incidents, Complaints and Initiation of Investigation {#section_zzk_tjm_hgc .section}",
        "VII. Determination of Violation {#section_ukf_5jm_hgc .section}",
        "VIII. Appeal {#section_dh5_zjm_hgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/MTEB/AAP_testTakersStudents.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/MTEB/AAP_testTakersStudents.md:chunk-3",
      "title": "Administrative Action Procedures for Test Takers and Education Students {#xd_7801de92744a7d4f--5e59a59-198947017f9--7ff8 .concept}",
      "content": " identified, that actions are or are not being taken. The department head will periodically submit a report to the Senior Vice President, Product Operations and CSBS General Counsel describing the status of incidents and complaints and their dispositions.\n\n## VI. Management of Incidents, Complaints and Initiation of Investigation \n\n\\(a\\) For each incident or submission of a complaint involving an alleged violation of the Candidate Agreement or the Rules of Conduct, SRR may initiate an investigation into the specific facts or circumstances to whatever extent is necessary to clarify, expand, or corroborate the information provided by the complainant or the incident reporter. The department head of NMLS Mortgage Testing & Education Programs shall serve as the primary investigator or assign one or more SRR or MTEB members to serve in that capacity. The primary investigator may be assisted in the investigation by other CSBS or SRR staff, members of the MTEB, legal counsel or other resources as SRR may find necessary.\n\n\\(b\\) SRR will notify in writing the covered person about whom the incident or complaint has been made, that an incident regarding a violation of the CA or ROCTT/ROCS is being investigated. The affected covered person shall be given the opportunity to respond to the complaint or incident and provide information about the complaint or incident in a manner defined by SRR.\n\n\\(c\\) Both the individual or organization submitting the complaint, if applicable, and the covered person which are the subject of the investigation may be contacted for additional information with respect to the complaint or the incident. SRR at its discretion may contact such other individuals who may have knowledge of the facts and circumstances surrounding the incident or complaint.\n\n\\(d\\) All investigations and deliberations of SRR are conducted objectively, without any indication of prejudgment. An investigation may be directed toward any aspect of a complaint or incident which is rel",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\MTEB\\AAP_testTakersStudents.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\MTEB\\AAP_testTakersStudents.md",
      "headings": [
        "Administrative Action Procedures for Test Takers and Education Students {#xd_7801de92744a7d4f--5e59a59-198947017f9--7ff8 .concept}",
        "Administrative Action Procedures for SAFE Testing and Education Requirements {#section_b12_3jm_hgc .section}",
        "I. Introduction {#section_br3_mjm_hgc .section}",
        "II. Covered Persons {#section_ddz_njm_hgc .section}",
        "III. Candidate Test Security and Confidentiality Agreement, Rules of Conduct and Administrative Actions {#section_lmf_pjm_hgc .section}",
        "IV. Mortgage Testing and Education Board \\(MTEB\\) {#section_e4r_qjm_hgc .section}",
        "V. Complaints Regarding Violations of Candidate Agreement and Rules of Conduct {#section_mvr_rjm_hgc .section}",
        "VI. Management of Incidents, Complaints and Initiation of Investigation {#section_zzk_tjm_hgc .section}",
        "VII. Determination of Violation {#section_ukf_5jm_hgc .section}",
        "VIII. Appeal {#section_dh5_zjm_hgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/MTEB/AAP_testTakersStudents.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/MTEB/AAP_testTakersStudents.md:chunk-4",
      "title": "Administrative Action Procedures for Test Takers and Education Students {#xd_7801de92744a7d4f--5e59a59-198947017f9--7ff8 .concept}",
      "content": "All investigations and deliberations of SRR are conducted objectively, without any indication of prejudgment. An investigation may be directed toward any aspect of a complaint or incident which is relevant or potentially relevant.\n\n\\(e\\) SRR at its discretion may hold informal hearings.\n\n\\(f\\) SRR at its discretion may notify, or seek assistance from any relevant state mortgage regulator regarding the investigation it is conducting.\n\n\\(g\\) At its discretion, SRR may impose a test invalidation and/or course retraction, and/or notify the State regulators of the investigation, or impose any other remedies as appropriate.\n\n## VII. Determination of Violation \n\n\\(a\\) In conducting an investigation, SRR shall attempt to determine what, if any violation occurred, and the impact the violation had on the integrity of the candidate’s testing session\\(s\\), the NMLS testing program, the student’s education course, or the NMLS education program.\n\n\\(i\\) In those cases where SRR determines there was no violation, SRR will notify the covered person of this outcome.\n\n\\(ii\\) In those cases where SRR determines there was a violation, but there was no impact on the integrity of the candidate’s testing session, the NMLS testing program, the student’s education course, or the NMLS education program, SRR at its sole discretion may issue the covered person a determination of violation, but take no further action to invalidate the candidate’s test score, retract the student’s education compliance, or report the violation to the relevant state mortgage regulator.\n\n\\(iii\\) In those cases where SRR determines that there was a violation and/or there may have been or was an impact on the integrity of the test session, the education course, the NMLS testing program or the NMLS education program, SRR may issue the covered person a determination of violation. At its sole discretion, SRR may invalidate the candidate’s test result or retract the student’s education compliance, or impose any other reme",
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      "relative_path": "maps\\NMLS\\education\\mlo_testing\\MTEB\\AAP_testTakersStudents.md",
      "headings": [
        "Administrative Action Procedures for Test Takers and Education Students {#xd_7801de92744a7d4f--5e59a59-198947017f9--7ff8 .concept}",
        "Administrative Action Procedures for SAFE Testing and Education Requirements {#section_b12_3jm_hgc .section}",
        "I. Introduction {#section_br3_mjm_hgc .section}",
        "II. Covered Persons {#section_ddz_njm_hgc .section}",
        "III. Candidate Test Security and Confidentiality Agreement, Rules of Conduct and Administrative Actions {#section_lmf_pjm_hgc .section}",
        "IV. Mortgage Testing and Education Board \\(MTEB\\) {#section_e4r_qjm_hgc .section}",
        "V. Complaints Regarding Violations of Candidate Agreement and Rules of Conduct {#section_mvr_rjm_hgc .section}",
        "VI. Management of Incidents, Complaints and Initiation of Investigation {#section_zzk_tjm_hgc .section}",
        "VII. Determination of Violation {#section_ukf_5jm_hgc .section}",
        "VIII. Appeal {#section_dh5_zjm_hgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/MTEB/AAP_testTakersStudents.html",
      "snippet": null
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      "id": "maps/NMLS/education/mlo_testing/MTEB/AAP_testTakersStudents.md:chunk-5",
      "title": "Administrative Action Procedures for Test Takers and Education Students {#xd_7801de92744a7d4f--5e59a59-198947017f9--7ff8 .concept}",
      "content": "ay issue the covered person a determination of violation. At its sole discretion, SRR may invalidate the candidate’s test result or retract the student’s education compliance, or impose any other remedies as appropriate. In cases where the candidate’s or student’s conduct is believed to have impacted the integrity of the test session, the testing program or the education program and/or where the candidate’s or student’s conduct would be contrary to good character or reputation or the conduct is dishonest or fraudulent, or may cause the public to believe the candidate or student would not operate in the mortgage business lawfully, honestly or fairly, SRR may notify the State regulators when it makes the determination.\n\n\\(b\\) If SRR makes a determination that a violation has occurred, this determination is promulgated by written notice to the covered person.\n\n\\(c\\) SRR shall report on a regular basis to the MTEB the status of investigations and findings and SRR shall, upon request, report to the SRR BOM all findings where violations have occurred.\n\n\\(d\\) At its discretion, SRR may publicize the determination and the sanction of any investigation on the NMLS Resource Center or through other reasonable means of communications.\n\n## VIII. Appeal \n\n\\(a\\) In those cases described in section VII\\(a\\)\\(ii\\) above, candidates or students may not appeal these determinations of violations.\n\n\\(b\\) In those cases described in section VII\\(a\\)\\(iii\\) above, within fifteen \\(15\\) calendar days from receipt of notice of a determination by the SRR that a covered person has violated the CA or ROCTT/ROCS and/or his/her test result has been invalidated or education compliance retracted, and/or other actions taken by SRR, the covered person may submit to the Chair of the MTEB in writing a request for an appeal. The candidate or student may appeal the invalidation of a test result or the retraction of education compliance, the finding of a violation, and/or other actions taken by SRR. A wr",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\MTEB\\AAP_testTakersStudents.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\MTEB\\AAP_testTakersStudents.md",
      "headings": [
        "Administrative Action Procedures for Test Takers and Education Students {#xd_7801de92744a7d4f--5e59a59-198947017f9--7ff8 .concept}",
        "Administrative Action Procedures for SAFE Testing and Education Requirements {#section_b12_3jm_hgc .section}",
        "I. Introduction {#section_br3_mjm_hgc .section}",
        "II. Covered Persons {#section_ddz_njm_hgc .section}",
        "III. Candidate Test Security and Confidentiality Agreement, Rules of Conduct and Administrative Actions {#section_lmf_pjm_hgc .section}",
        "IV. Mortgage Testing and Education Board \\(MTEB\\) {#section_e4r_qjm_hgc .section}",
        "V. Complaints Regarding Violations of Candidate Agreement and Rules of Conduct {#section_mvr_rjm_hgc .section}",
        "VI. Management of Incidents, Complaints and Initiation of Investigation {#section_zzk_tjm_hgc .section}",
        "VII. Determination of Violation {#section_ukf_5jm_hgc .section}",
        "VIII. Appeal {#section_dh5_zjm_hgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/MTEB/AAP_testTakersStudents.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/MTEB/AAP_testTakersStudents.md:chunk-6",
      "title": "Administrative Action Procedures for Test Takers and Education Students {#xd_7801de92744a7d4f--5e59a59-198947017f9--7ff8 .concept}",
      "content": "uest for an appeal. The candidate or student may appeal the invalidation of a test result or the retraction of education compliance, the finding of a violation, and/or other actions taken by SRR. A written request for an extension of the appeal period may be granted for good cause shown.\n\n\\(c\\) Persons wishing to request an appeal must use the form provided by SRR and complete all the information. Requests with incomplete information will not be considered. Access the Appeal Request form here:Appeal Request Form \\(PDF\\)\n\n\\(d\\) Upon receipt of a request for appeal, the Chair of the MTEB establishes an Appeal Committee consisting of at least three members. The Chair of the MTEB will name a member to chair the Appeal Committee. An Appeal Committee may review one or more appeals, upon request of the Chair.\n\n\\(e\\) Persons should send their request for an appeal via email to:\n\nOr email to: mtebinvestigations@csbs.org. Appeal requests submitted via email should be sent as .pdf files.\n\n\\(e\\) The Appeal Committee may determine that a finding by the SRR investigator\\(s\\) of a violation of the CA or ROCTT/ROCS was inappropriate only because of: \\(1\\) material errors of fact, or \\(2\\) failure of the investigator\\(s\\) to conform to published criteria, policies, or procedures. At its discretion, the Appeal Committee may consider new facts and conditions which the subject of the investigation may include in her or her appeal request or responses to the Appeal Committee. The decision by the majority of the Appeal Committee is limited to either affirming or overruling the determination of the SRR investigator. In addition, the Appeal Committee may recommend that the SRR investigator reconsider the case. The Appeal Committee may affirm or overrule a test result invalidation, an education compliance retraction, a determination of a violation, and/or other actions taken by SRR. If the candidate is appealing both a test result invalidation and a determination of a violation, the Appeal ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\MTEB\\AAP_testTakersStudents.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\MTEB\\AAP_testTakersStudents.md",
      "headings": [
        "Administrative Action Procedures for Test Takers and Education Students {#xd_7801de92744a7d4f--5e59a59-198947017f9--7ff8 .concept}",
        "Administrative Action Procedures for SAFE Testing and Education Requirements {#section_b12_3jm_hgc .section}",
        "I. Introduction {#section_br3_mjm_hgc .section}",
        "II. Covered Persons {#section_ddz_njm_hgc .section}",
        "III. Candidate Test Security and Confidentiality Agreement, Rules of Conduct and Administrative Actions {#section_lmf_pjm_hgc .section}",
        "IV. Mortgage Testing and Education Board \\(MTEB\\) {#section_e4r_qjm_hgc .section}",
        "V. Complaints Regarding Violations of Candidate Agreement and Rules of Conduct {#section_mvr_rjm_hgc .section}",
        "VI. Management of Incidents, Complaints and Initiation of Investigation {#section_zzk_tjm_hgc .section}",
        "VII. Determination of Violation {#section_ukf_5jm_hgc .section}",
        "VIII. Appeal {#section_dh5_zjm_hgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/MTEB/AAP_testTakersStudents.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/MTEB/AAP_testTakersStudents.md:chunk-7",
      "title": "Administrative Action Procedures for Test Takers and Education Students {#xd_7801de92744a7d4f--5e59a59-198947017f9--7ff8 .concept}",
      "content": " compliance retraction, a determination of a violation, and/or other actions taken by SRR. If the candidate is appealing both a test result invalidation and a determination of a violation, the Appeal Committee may at its discretion affirm or overrule either one, both or neither. If the student is appealing both an education compliance retraction and a determination of a violation the Appeal Committee may at its discretion affirm or overrule either one, both or neither. The MTEB and Appeal Committee may consult SRR and CSBS legal counsel or external legal counsel.\n\n\\(f\\) The Appeal Committee must conduct and complete the appeal within sixty \\(60\\) calendar days of receipt of the request for an appeal which has been satisfactorily submitted. Written appellate submissions and any reply submissions may be made by authorized representatives of the covered person, the investigator or SRR. Submissions are made according to the schedule established by the Appeal Committee. The decision of the Appeal Committee, including a statement of the reasons for the decision, is reported to the Chair of the MTEB who shall from time to time make a report to the SRR BOM.\n\n\\(g\\) All reports where the Appeals Committee either overruled the determinations made by the IRC or modifies the sanctions will be reviewed by CSBS’ General Counsel \\(GC\\). The GC would determine if the determinations overruled or sanctions modified met a “material” threshold. If the materiality threshold is met, the case will be forwarded to the SRR Board for review. SRR Board may, in its discretion, review these cases and accept, overrule, modify or otherwise revise the Appeal Committees’ reports. The SRR Board’s actions will be final. SRR Board will notify the GC of its actions and the GC will notify the MTEB and IRC, who will send the final determination to the subject of the investigation.\n\n\\(h\\) If no appeal is made within fifteen \\[15\\] calendar days of the suspension or sanction, the action will stand.\n\n-   **R",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\MTEB\\AAP_testTakersStudents.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\MTEB\\AAP_testTakersStudents.md",
      "headings": [
        "Administrative Action Procedures for Test Takers and Education Students {#xd_7801de92744a7d4f--5e59a59-198947017f9--7ff8 .concept}",
        "Administrative Action Procedures for SAFE Testing and Education Requirements {#section_b12_3jm_hgc .section}",
        "I. Introduction {#section_br3_mjm_hgc .section}",
        "II. Covered Persons {#section_ddz_njm_hgc .section}",
        "III. Candidate Test Security and Confidentiality Agreement, Rules of Conduct and Administrative Actions {#section_lmf_pjm_hgc .section}",
        "IV. Mortgage Testing and Education Board \\(MTEB\\) {#section_e4r_qjm_hgc .section}",
        "V. Complaints Regarding Violations of Candidate Agreement and Rules of Conduct {#section_mvr_rjm_hgc .section}",
        "VI. Management of Incidents, Complaints and Initiation of Investigation {#section_zzk_tjm_hgc .section}",
        "VII. Determination of Violation {#section_ukf_5jm_hgc .section}",
        "VIII. Appeal {#section_dh5_zjm_hgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/MTEB/AAP_testTakersStudents.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/MTEB/AAP_testTakersStudents.md:chunk-8",
      "title": "Administrative Action Procedures for Test Takers and Education Students {#xd_7801de92744a7d4f--5e59a59-198947017f9--7ff8 .concept}",
      "content": "ho will send the final determination to the subject of the investigation.\n\n\\(h\\) If no appeal is made within fifteen \\[15\\] calendar days of the suspension or sanction, the action will stand.\n\n-   **Rules of Conduct for NMLS Approved Pre-Licensure \\(PE\\) and Continuing Education \\(CE\\) Courses—Student**  \nTo ensure students meet the education requirements of the SAFE Act, NMLS has established a Rules of Conduct \\(ROC\\).\n\n**Parent topic:**T&E Agreements, AAP, and Enforcement Actions\n\n[^1]: Administrative Action Procedures – Amended and effective 09/01/2023, 09/01/2021, 09/13/2019, 6/04/2016, 3/01/2015, 4/1/2013, 12/13/2012, 12/15/2011, 4/13/2011, 5/27/2010. Adopted and effective 02/04/2010.\n[^2]: The S.A.F.E. Act is the Secure and Fair Enforcement for Mortgage Licensing Act of 2008, Title V of Public Law 110-289 , codified at 12 U.S.C. 5101 et seq.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\MTEB\\AAP_testTakersStudents.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\MTEB\\AAP_testTakersStudents.md",
      "headings": [
        "Administrative Action Procedures for Test Takers and Education Students {#xd_7801de92744a7d4f--5e59a59-198947017f9--7ff8 .concept}",
        "Administrative Action Procedures for SAFE Testing and Education Requirements {#section_b12_3jm_hgc .section}",
        "I. Introduction {#section_br3_mjm_hgc .section}",
        "II. Covered Persons {#section_ddz_njm_hgc .section}",
        "III. Candidate Test Security and Confidentiality Agreement, Rules of Conduct and Administrative Actions {#section_lmf_pjm_hgc .section}",
        "IV. Mortgage Testing and Education Board \\(MTEB\\) {#section_e4r_qjm_hgc .section}",
        "V. Complaints Regarding Violations of Candidate Agreement and Rules of Conduct {#section_mvr_rjm_hgc .section}",
        "VI. Management of Incidents, Complaints and Initiation of Investigation {#section_zzk_tjm_hgc .section}",
        "VII. Determination of Violation {#section_ukf_5jm_hgc .section}",
        "VIII. Appeal {#section_dh5_zjm_hgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/MTEB/AAP_testTakersStudents.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/MTEB/MTEB_chapterStart.md:chunk-0",
      "title": "T&E Agreements, AAP, and Enforcement Actions {#xd_7801de92744a7d4f--5e59a59-198947017f9--7ffc .concept}",
      "content": "# T&E Agreements, AAP, and Enforcement Actions \n\nThe Mortgage Testing and Education Board \\(MTEB\\) has approved Rules of Conduct which cover test takers, education students, and Standards of Conduct which cover course providers. It has also approved Administrative Action Procedures which prescribe how possible violations and investigations will be managed.\n\nThe State Regulatory Registry LLC \\(SRR\\) is a wholly owned subsidiary of CSBS. It owns and operates NMLS on behalf of 57 state agencies and is the sole system of licensure for Mortgage Loan Originators \\(MLOs\\) for 59 state and territorial agencies.\n\n## Mortgage Testing and Education Board \\(MTEB\\) \n\n​SRR Committee Member Lists \\(including MTEB\\)\n\nThe Mortgage Testing & Education Board \\(MTEB\\) was established by the State Regulatory Registry LLC Board of Managers \\(SRR BOM\\) in September 2009. The MTEB is responsible for the oversight of the testing and education requirements as mandated by the SAFE Act.[^1] MTEB responsibilities include oversight of the Administrative Action Procedures for test candidates, NMLS Approved Course Providers \\(ACP\\), and students taking NMLS approved courses. The MTEB is composed of seven mortgage regulators with representation from each CSBS district and AARMR.\n\n## Candidiate Test Security and Confidentiality Agreement \n\nCandidate Agreement\n\nThe **Candidate Test Security and Confidentiality Agreement** also called the **Candidate Agreement**, outlines the terms and conditions for those taking the National Test in addition to containing important information regarding test security and confidentiality. Prior to scheduling an appointment for the National Test, the **Candidate Agreement** must be accepted by the individual.\n\n## Rules of Conduct for Test Takers \n\n​Rules of Conduct for Test Takers\n\nThe Secure and Fair Enforcement for Mortgage Licensing Act \\(SAFE Act\\) requires that state-licensed MLOs take and pass the National Test. Any person who uses NMLS to enroll and pay for a te",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\MTEB\\MTEB_chapterStart.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\MTEB\\MTEB_chapterStart.md",
      "headings": [
        "T&E Agreements, AAP, and Enforcement Actions {#xd_7801de92744a7d4f--5e59a59-198947017f9--7ffc .concept}",
        "Mortgage Testing and Education Board \\(MTEB\\) {#section_r2m_wfd_hgc .section}",
        "Candidiate Test Security and Confidentiality Agreement {#section_kfl_vgd_hgc .section}",
        "Rules of Conduct for Test Takers {#section_mjl_sgd_hgc .section}",
        "Rules of Conduct for Education Students {#section_pvt_pgd_hgc .section}",
        "Standards of Conduct for Course Providers {#section_igh_dgd_hgc .section}",
        "Administrative Action Procedures {#section_l5h_1gd_hgc .section}",
        "Appeal Request Form {#section_bwz_wfd_hgc .section}",
        "Complaint Form: Violation of Rules or Standards of Conduct {#section_mq5_wfd_hgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/MTEB/MTEB_chapterStart.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/MTEB/MTEB_chapterStart.md:chunk-1",
      "title": "T&E Agreements, AAP, and Enforcement Actions {#xd_7801de92744a7d4f--5e59a59-198947017f9--7ffc .concept}",
      "content": "t Takers\n\nThe Secure and Fair Enforcement for Mortgage Licensing Act \\(SAFE Act\\) requires that state-licensed MLOs take and pass the National Test. Any person who uses NMLS to enroll and pay for a test, then subsequently schedules and takes a test, is subject to the Rules of Conduct. All persons who attempt to take the National Test will be asked to acknowledge that they have read and agree to the Rules of Conduct. Persons who are believed to have violated the Rules of Conduct may be subject to investigation by the State Regulatory Registry \\(SRR\\) or MTEB in accordance with the Administrative Action Procedures.\n\n## Rules of Conduct for Education Students \n\nRules of Conduct for Education Students \\(PDF\\)\n\nThe Secure and Fair Enforcement for Mortgage Licensing Act \\(SAFE Act\\) requires that state-licensed MLOs complete pre-licensure \\(PE\\) and continuing education \\(CE\\) courses as a condition to be licensed. Any person who registers or takes education is subject to the Rules of Conduct \\(ROC\\). All persons who take pre-licensure or continuing education courses will be asked to acknowledge that they have read and agree to the Rules of Conduct. Persons who are believed to have violated the Rules of Conduct may be subject to investigation by the State Regulatory Registry \\(SRR\\) or MTEB in accordance with the Administrative Action Procedures.\n\n## Standards of Conduct for Course Providers \n\nStandards of Conduct for Approved Course Providers\n\nUnder the SAFE Act, NMLS has sole authority to approve courses which state licensed MLOs must take to satisfy their PE and CE requirements. All organizations which apply to become course providers and those organizations which are approved are subject to the Standards of Conduct. Organizations which violate the Standards of Conduct may be subject to investigation by SRR or MTEB. After following the Administrative Action Procedures, SRR or MTEB may sanction providers for violations of the Standards of Conduct.\n\n## Administrative Act",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\MTEB\\MTEB_chapterStart.md",
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      "headings": [
        "T&E Agreements, AAP, and Enforcement Actions {#xd_7801de92744a7d4f--5e59a59-198947017f9--7ffc .concept}",
        "Mortgage Testing and Education Board \\(MTEB\\) {#section_r2m_wfd_hgc .section}",
        "Candidiate Test Security and Confidentiality Agreement {#section_kfl_vgd_hgc .section}",
        "Rules of Conduct for Test Takers {#section_mjl_sgd_hgc .section}",
        "Rules of Conduct for Education Students {#section_pvt_pgd_hgc .section}",
        "Standards of Conduct for Course Providers {#section_igh_dgd_hgc .section}",
        "Administrative Action Procedures {#section_l5h_1gd_hgc .section}",
        "Appeal Request Form {#section_bwz_wfd_hgc .section}",
        "Complaint Form: Violation of Rules or Standards of Conduct {#section_mq5_wfd_hgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/MTEB/MTEB_chapterStart.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/MTEB/MTEB_chapterStart.md:chunk-2",
      "title": "T&E Agreements, AAP, and Enforcement Actions {#xd_7801de92744a7d4f--5e59a59-198947017f9--7ffc .concept}",
      "content": " be subject to investigation by SRR or MTEB. After following the Administrative Action Procedures, SRR or MTEB may sanction providers for violations of the Standards of Conduct.\n\n## Administrative Action Procedures \n\n\\(Course Providers \\| Test Takers and Students \\)\n\nThe MTEB has created the Administrative Action Procedures to guide its oversight of test takers, students, and course providers. It provides the processes by which it will enforce the standards and rules of conduct including disciplinary actions it may take against those violating the standards and rules of conduct. It also describes the rights persons and organizations have if they should become the subject of an investigation by SRR or MTEB.\n\n## Appeal Request Form \n\n\\(Course Providers \\(PDF\\) \\| Test Takers and Students \\(PDF\\)\\)\n\nThese forms are to be used to appeal actions taken by SRR. Please use the **Course Providers** form to appeal Violation of the Standards of Conduct for Course Providers \\(SOC\\). Please use the **Test Taker and Students** form to appeal invalidation of test results, education course retractions; violations of the NMLS Rules of Conduct for Test Takers \\(ROCTT\\); violations of the NMLS Rules of Conduct for Students \\(ROC\\); v​iolations of the Candidate Test Security and Confidential Agreement \\(CA\\); .\n\n## Complaint Form: Violation of Rules or Standards of Conduct \n\nComplaint Form: Testing and Education, Standards and Rules of Conduct \\(PDF\\)\n\nPlease use this form if you believe a course provider, test taker, or education participant has violated the Rules or Standards of Conducts.\n\n-   **Mortgage Testing and Education Board \\(MTEB\\) Members**  \n\n-   **Administrative Action Procedures for SAFE Act Education Requirements NMLS Approved Course Providers**  \nProvides the policies and processes by which investigations will be conducted in the event and describes the rights persons and organizations have should they become the subject of an investigation by SRR or MTEB.\n-   **Admini",
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        "T&E Agreements, AAP, and Enforcement Actions {#xd_7801de92744a7d4f--5e59a59-198947017f9--7ffc .concept}",
        "Mortgage Testing and Education Board \\(MTEB\\) {#section_r2m_wfd_hgc .section}",
        "Candidiate Test Security and Confidentiality Agreement {#section_kfl_vgd_hgc .section}",
        "Rules of Conduct for Test Takers {#section_mjl_sgd_hgc .section}",
        "Rules of Conduct for Education Students {#section_pvt_pgd_hgc .section}",
        "Standards of Conduct for Course Providers {#section_igh_dgd_hgc .section}",
        "Administrative Action Procedures {#section_l5h_1gd_hgc .section}",
        "Appeal Request Form {#section_bwz_wfd_hgc .section}",
        "Complaint Form: Violation of Rules or Standards of Conduct {#section_mq5_wfd_hgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/MTEB/MTEB_chapterStart.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/MTEB/MTEB_chapterStart.md:chunk-3",
      "title": "T&E Agreements, AAP, and Enforcement Actions {#xd_7801de92744a7d4f--5e59a59-198947017f9--7ffc .concept}",
      "content": "processes by which investigations will be conducted in the event and describes the rights persons and organizations have should they become the subject of an investigation by SRR or MTEB.\n-   **Administrative Action Procedures for Test Takers and Education Students**  \nProvides the policies and processes by which investigations will be conducted in the event and describes the rights persons and organizations have should they become the subject of an investigation by SRR or MTEB.\n\n[^1]: The S.A.F.E. Act is the Secure and Fair Enforcement for Mortgage Licensing Act of 2008, Title V of Public Law 110-289 , codified at 12 U.S.C. 5101 et seq.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\MTEB\\MTEB_chapterStart.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\MTEB\\MTEB_chapterStart.md",
      "headings": [
        "T&E Agreements, AAP, and Enforcement Actions {#xd_7801de92744a7d4f--5e59a59-198947017f9--7ffc .concept}",
        "Mortgage Testing and Education Board \\(MTEB\\) {#section_r2m_wfd_hgc .section}",
        "Candidiate Test Security and Confidentiality Agreement {#section_kfl_vgd_hgc .section}",
        "Rules of Conduct for Test Takers {#section_mjl_sgd_hgc .section}",
        "Rules of Conduct for Education Students {#section_pvt_pgd_hgc .section}",
        "Standards of Conduct for Course Providers {#section_igh_dgd_hgc .section}",
        "Administrative Action Procedures {#section_l5h_1gd_hgc .section}",
        "Appeal Request Form {#section_bwz_wfd_hgc .section}",
        "Complaint Form: Violation of Rules or Standards of Conduct {#section_mq5_wfd_hgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/MTEB/MTEB_chapterStart.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/MTEB/ROC_preLicenseStudents.md:chunk-0",
      "title": "Rules of Conduct for NMLS Approved Pre-Licensure \\(PE\\) and Continuing Education \\(CE\\) Courses—Student {#xd_7801de92744a7d4f--5e59a59-198947017f9--7ff7 .concept}",
      "content": "# Rules of Conduct for NMLS Approved Pre-Licensure \\(PE\\) and Continuing Education \\(CE\\) Courses—Student \n\nTo ensure students meet the education requirements of the SAFE Act, NMLS has established a Rules of Conduct \\(ROC\\).\n\nPDF Version of this document\n\nThe Secure and Fair Enforcement for Mortgage Licensing Act \\(SAFE Act\\) requires that state-licensed MLO’s complete pre-licensing \\(PE\\) and continuing education \\(CE\\) courses as a condition to be licensed. The SAFE Act also requires that all education completed as a condition for state licensure be NMLS approved. Since 2009 NMLS has established course design, approval, and delivery standards which NMLS approved course providers are required to meet. To further ensure students meet the education requirements of the SAFE Act, NMLS has established a Rules of Conduct \\(ROC\\). The ROC, which have been approved by the NMLS Mortgage Testing & Education Board, and the NMLS Policy Committee, both of which are comprised of state regulators, are intended to stress that NMLS approved education be delivered and completed with integrity.\n\n## Rules of Conduct \n\nNMLS approved course providers are not authorized by NMLS to grant exceptions to these rules and that I alone am responsible for my conduct under these rules. I also understand these rules are in addition to whatever applicable rules the course provider may have set.\n\nAdditionally, I understand that the course provider or others may report any alleged violations to NMLS. NMLS may conduct an investigation into alleged violations and may report alleged violations to the state\\(s\\) in which I am seeking licensure or maintain licenses, or to other states.\n\nAs an individual completing either pre-licensure education \\(PE\\) or continuing education \\(CE\\) I attest the course format I am being credit banked for has been entirely completed by myself and have met required below:\n\n## Classroom \\(live\\) \n\n-   Completed sign-in by providing my signature prior to the start of the cours",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\MTEB\\ROC_preLicenseStudents.md",
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        "Rules of Conduct {#section_bpf_s4n_hgc .section}",
        "Classroom \\(live\\) {#section_fyp_s4n_hgc .section}",
        "Classroom Equivalent \\(webinar\\) {#section_mjh_t4n_hgc .section}",
        "Online Instructor-Led \\(online with instructor\\) {#section_zdr_t4n_hgc .section}",
        "Online Self-Study \\(online without instructor\\) {#section_n31_54n_hgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/MTEB/ROC_preLicenseStudents.html",
      "snippet": null
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    {
      "id": "maps/NMLS/education/mlo_testing/MTEB/ROC_preLicenseStudents.md:chunk-1",
      "title": "Rules of Conduct for NMLS Approved Pre-Licensure \\(PE\\) and Continuing Education \\(CE\\) Courses—Student {#xd_7801de92744a7d4f--5e59a59-198947017f9--7ff7 .concept}",
      "content": "I am being credit banked for has been entirely completed by myself and have met required below:\n\n## Classroom \\(live\\) \n\n-   Completed sign-in by providing my signature prior to the start of the course\n    -   Provided government issued ID at time of sign-in of the course to verify my identity\n-   Engaged with other students and instructor\\(s\\)\n-   Returned from breaks and lunches on time as required\n-   Participated and was engaged throughout the entire course\n    -   Properly completed the entire seat-time the SAFE Act required for the approved NMLS course in order to receive an end-of-course completion certificate\n\n## Classroom Equivalent \\(webinar\\) \n\n-   Provided at the time of entering the webinar platform:\n-   Government issued ID\n-   Knowledge-Based Authentication\n-   Returned from breaks and lunches on time as required\n-   Properly completed the entire seat-time the SAFE Act required for the approved NMLS course in order to receive an end-of-course completion certificate by the following means:\n-   Provided adequate camera access to ensure visibility for the entire duration of the course by enabling the proctor to ensure I was visible from the shoulders up\n-   Understand that if I fail to maintain camera presence for a period of greater than 10 minutes I will be removed from the class and not receive credit\n-   Engaged and completed all course quizzes and case studies\n-   Engaged and completed all polls\n-   Understand at various times during the CEQ/webinar course, I will be required to authenticate my identity and engagement\n-   Engaged with other students and facilitators/instructor\\(s\\)\n\n## Online Instructor-Led \\(online with instructor\\) \n\n-   Provided at the time of entering the Learning Management System \\(LMS\\):\n-   Met the personal identification requirements set forth by the provider\n-   Have not and will not divulge my login ID or password or login credentials to another individual for any online course\n-   Used my own personal login information t",
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        "Rules of Conduct {#section_bpf_s4n_hgc .section}",
        "Classroom \\(live\\) {#section_fyp_s4n_hgc .section}",
        "Classroom Equivalent \\(webinar\\) {#section_mjh_t4n_hgc .section}",
        "Online Instructor-Led \\(online with instructor\\) {#section_zdr_t4n_hgc .section}",
        "Online Self-Study \\(online without instructor\\) {#section_n31_54n_hgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/MTEB/ROC_preLicenseStudents.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/MTEB/ROC_preLicenseStudents.md:chunk-2",
      "title": "Rules of Conduct for NMLS Approved Pre-Licensure \\(PE\\) and Continuing Education \\(CE\\) Courses—Student {#xd_7801de92744a7d4f--5e59a59-198947017f9--7ff7 .concept}",
      "content": "ements set forth by the provider\n-   Have not and will not divulge my login ID or password or login credentials to another individual for any online course\n-   Used my own personal login information to complete the NMLS approved online course\n-   Properly completed the entire seat-time the SAFE Act required for the approved NMLS course in order to receive an end-of-course completion certificate by the following means:\n-   Engaged and completed all course quizzes and case studies\n-   Engaged with other students and facilitators/instructor\\(s\\)\n\n## Online Self-Study \\(online without instructor\\) \n\n-   Provided at the time of entering the Learning Management System \\(LMS\\):\n-   Personal identification requirements set forth by the provider\n-   Used and authenticated my own personal login for BioSig to enter and complete the NMLS approved online course \\(see BioSig-ID Help for assitance\\)\n-   Have not and will not divulge my login ID or password or login credentials to another individual for any online course\n-   Understand at various times during the online course, I will be required to authenticate my identity through a biometric system.\n-   Properly completed the entire seat-time the SAFE Act required for the approved NMLS course in order to receive an end-of-course completion certificate by the following means:\n-   Engaged with all the course content and completed all course quizzes and case studies\n\nAdditionally, I\n\n-   Attest that I am the person who I say I am and that all my course registration information is accurate.\n-   Acknowledge that I am required to show a current government issued form of identification prior to class entry and that the name on the identification matches the name as it appears on this course registration.\n-   Understand that the SAFE Act and state laws require me to spend a specific amount of time in specific subject areas. Accordingly, I will not attempt to circumvent the requirements of any NMLS approved course. I will not use or attem",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\MTEB\\ROC_preLicenseStudents.md",
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        "Rules of Conduct {#section_bpf_s4n_hgc .section}",
        "Classroom \\(live\\) {#section_fyp_s4n_hgc .section}",
        "Classroom Equivalent \\(webinar\\) {#section_mjh_t4n_hgc .section}",
        "Online Instructor-Led \\(online with instructor\\) {#section_zdr_t4n_hgc .section}",
        "Online Self-Study \\(online without instructor\\) {#section_n31_54n_hgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/MTEB/ROC_preLicenseStudents.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/MTEB/ROC_preLicenseStudents.md:chunk-3",
      "title": "Rules of Conduct for NMLS Approved Pre-Licensure \\(PE\\) and Continuing Education \\(CE\\) Courses—Student {#xd_7801de92744a7d4f--5e59a59-198947017f9--7ff7 .concept}",
      "content": " state laws require me to spend a specific amount of time in specific subject areas. Accordingly, I will not attempt to circumvent the requirements of any NMLS approved course. I will not use or attempt to use any artificial intelligence and/or large language model chatbots and/or other assistance to complete any NMLS approved course.\n-   Will not give or attempt to give assistance to any other person who is registered to take an NMLS approved pre-licensure or continuing education course\n-   Understand that the course provider has the right to dismiss anyone from class that creates a disturbance or interferes with the administration of the course or other students' learning, including, but not limited to cell phone/smart watch usage.\n-   Acknowledge that any outside activities are prohibited while attending class and grounds for immediate removal from class.\n-   Will not engage in any conduct that would be contrary to good character or reputation or engage in any behavior that would cause the public to believe that I would not operate in the mortgage loan business lawfully, honestly or fairly.\n-   Will not engage in any conduct that is dishonest, fraudulent, or would adversely impact the integrity of the course\\(s\\) I am completing or the conditions for which I am seeking licensure or renewal of licensure.\n-   Understand and acknowledge my responsibility to report any violations or misconduct involving any of the above Rules of Conduct to the Mortgage Testing and Education Board \\(MTEB\\).\n-   Understand the CSBS Privacy Policy is applicable to these Rules of Conduct.\n\nBy signing below, I understand the Rules of Conduct listed above, and that any violations to these rules will be subject to an investigation by the state\\(s\\) in which I am seeking licensure in or maintaining licenses in. The results of any investigation may subject me to disciplinary actions by the state\\(s\\) or the State Regulatory Registry \\(SRR\\), including but not limited to:\n\n-   Revocation, susp",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\MTEB\\ROC_preLicenseStudents.md",
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        "Rules of Conduct for NMLS Approved Pre-Licensure \\(PE\\) and Continuing Education \\(CE\\) Courses—Student {#xd_7801de92744a7d4f--5e59a59-198947017f9--7ff7 .concept}",
        "Rules of Conduct {#section_bpf_s4n_hgc .section}",
        "Classroom \\(live\\) {#section_fyp_s4n_hgc .section}",
        "Classroom Equivalent \\(webinar\\) {#section_mjh_t4n_hgc .section}",
        "Online Instructor-Led \\(online with instructor\\) {#section_zdr_t4n_hgc .section}",
        "Online Self-Study \\(online without instructor\\) {#section_n31_54n_hgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/MTEB/ROC_preLicenseStudents.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/MTEB/ROC_preLicenseStudents.md:chunk-4",
      "title": "Rules of Conduct for NMLS Approved Pre-Licensure \\(PE\\) and Continuing Education \\(CE\\) Courses—Student {#xd_7801de92744a7d4f--5e59a59-198947017f9--7ff7 .concept}",
      "content": "ing licenses in. The results of any investigation may subject me to disciplinary actions by the state\\(s\\) or the State Regulatory Registry \\(SRR\\), including but not limited to:\n\n-   Revocation, suspension, or denial of license\n-   Disqualification from receiving class credit\n-   Retraction of class credit\n-   Fines and/or administrative penalties\n-   Additional education\n\n```\nPrint Name: ___________________________                Course Number(s): ________________ \n\n Signature: ____________________________              Date (mm/dd/yyyy): ________________\n\n    Email: ______________________________                       NMLS ID#  _______________\n```\n\n**Parent topic:**Administrative Action Procedures for Test Takers and Education Students",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\MTEB\\ROC_preLicenseStudents.md",
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        "Rules of Conduct {#section_bpf_s4n_hgc .section}",
        "Classroom \\(live\\) {#section_fyp_s4n_hgc .section}",
        "Classroom Equivalent \\(webinar\\) {#section_mjh_t4n_hgc .section}",
        "Online Instructor-Led \\(online with instructor\\) {#section_zdr_t4n_hgc .section}",
        "Online Self-Study \\(online without instructor\\) {#section_n31_54n_hgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/MTEB/ROC_preLicenseStudents.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/MTEB/SOC_approvedCourseProvider.md:chunk-0",
      "title": "Standards of Conduct for Approved Course Providers {#xd_7801de92744a7d4f--5e59a59-198947017f9--7ff9 .concept}",
      "content": "# Standards of Conduct for Approved Course Providers \n\nNMLS approval status is granted with the understanding that Course Providers will maintain the Standards of Conduct. Approved February 4, 2010 by the Mortgage Testing and Education Board acting on behalf of State Regulatory Registry LLC \\(SRR\\) and Nationwide Mortgage Licensing System and Registry \\(NMLS\\).\n\n## STANDARDS OF CONDUCT FOR APPROVED COURSE PROVIDERS[^1] \n\nApproved February 4, 2010\n\nBy the Mortgage Testing and Education Board acting on behalf of State Regulatory Registry LLC \\(SRR\\) and Nationwide Mortgage Licensing System and Registry \\(NMLS\\)\n\nIt is the intent of NMLS to have all Approved Course Providers promote themselves and their course offerings in accordance with the highest ethical standards. As such, NMLS approval status is granted with the understanding that Course Providers will maintain the Standards of Conduct listed below. Additionally, Approved Course Providers are required to operate in accordance with NMLS provider and course approval policies to include:\n\n-   **Policy on Criteria for Granting Approval for a Course to Become NMLS Approved** - Initially published June 16, 2009\n-   **Policy on NMLS Approved Pre-Licensure and Continuing Education Classroom Formats and Standards** – Initially published June 16, 2009\n-   **Policy on Reporting \\(Banking\\) of Student Credits** – Initially published June 16, 2009\n-   **Policy on Business Arrangements, Reselling, and Marketing of NMLS Approved Courses** – Initially published June 16, 2009 and updated March 25, 2014\n-   **Approved Course Provider Standards of Conduct** – Initially published February 4, 2010 and updated January 1, 2018.\n-   **Functional Specification for All NMLS Approved Courses** – Initially published March 15, 2010 and as updated annually.\n-   **NMLS Approved Course Data and Document Retention Policy** – Initially published May 18, 2018 and effective January 1, 2018.\n\nViolation of any of these policies could result in sancti",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\MTEB\\SOC_approvedCourseProvider.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\MTEB\\SOC_approvedCourseProvider.md",
      "headings": [
        "Standards of Conduct for Approved Course Providers {#xd_7801de92744a7d4f--5e59a59-198947017f9--7ff9 .concept}",
        "STANDARDS OF CONDUCT FOR APPROVED COURSE PROVIDERS[^1] {#section_nj3_dhf_hgc .section}",
        "1. Business and Marketing Standards: {#section_swz_wgf_hgc .section}",
        "2. Consumer Protection and Service Standards: {#section_n5n_ygf_hgc .section}",
        "3. Ethical and Legal Standards: {#section_bgq_zgf_hgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/MTEB/SOC_approvedCourseProvider.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/MTEB/SOC_approvedCourseProvider.md:chunk-1",
      "title": "Standards of Conduct for Approved Course Providers {#xd_7801de92744a7d4f--5e59a59-198947017f9--7ff9 .concept}",
      "content": "d annually.\n-   **NMLS Approved Course Data and Document Retention Policy** – Initially published May 18, 2018 and effective January 1, 2018.\n\nViolation of any of these policies could result in sanctions or disciplinary action up to and including loss of NMLS approval status as provided by the Administrative Action Procedures for SAFE Education Requirements.\n\n## 1. Business and Marketing Standards: \n\nA. All advertising and marketing must be truthful and be void of any misleading statements, promises, or guarantees. A course may not be promoted in such a way as to guarantee or imply that an individual will pass a test after completing the course.\n\nB. Provider must maintain appropriate business and other licenses as required by local and/or state laws. In the event of change of ownership, merger, acquisition, change of address or any other change, the provider has a responsibility to notify NMLS in writing within 10 business days of the change and to provide NMLS with copies of licenses or other documentation.\n\nC. All advertising and marketing must clearly state the identity of the course provider and must include the course provider’s address, telephone number, and NMLS Provider ID number.\n\nD. All e-mail marketing must be in accordance with the CAN-SPAM Act of 2003 which also includes a requirement for e-mail recipients to opt out of receiving e-mail.\n\nE. Course Providers may use the words “NMLS Approved” in marketing and advertising materials only if they have been approved by NMLS as a course provider, have one or more NMLS approved courses, and have received an NMLS Provider ID number.\n\nF. Courses may be marketed and promoted using the words “NMLS Approved” only if the course provider has been approved by NMLS, the course or courses have been evaluated and approved by NMLS and the course or courses have been assigned a course ID number.\n\nG. The word “accredited” must not be used in any marketing or promotional material.\n\nH. Only Approved Course Providers may offer",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\MTEB\\SOC_approvedCourseProvider.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\MTEB\\SOC_approvedCourseProvider.md",
      "headings": [
        "Standards of Conduct for Approved Course Providers {#xd_7801de92744a7d4f--5e59a59-198947017f9--7ff9 .concept}",
        "STANDARDS OF CONDUCT FOR APPROVED COURSE PROVIDERS[^1] {#section_nj3_dhf_hgc .section}",
        "1. Business and Marketing Standards: {#section_swz_wgf_hgc .section}",
        "2. Consumer Protection and Service Standards: {#section_n5n_ygf_hgc .section}",
        "3. Ethical and Legal Standards: {#section_bgq_zgf_hgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/MTEB/SOC_approvedCourseProvider.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/MTEB/SOC_approvedCourseProvider.md:chunk-2",
      "title": "Standards of Conduct for Approved Course Providers {#xd_7801de92744a7d4f--5e59a59-198947017f9--7ff9 .concept}",
      "content": " NMLS and the course or courses have been assigned a course ID number.\n\nG. The word “accredited” must not be used in any marketing or promotional material.\n\nH. Only Approved Course Providers may offer courses approved by NMLS. A course provider cannot offer another course provider’s NMLS-approved course without approval from NMLS.\n\nI. The phrases “SAFE Approved,” “SAFE Act Compliant,” or any similarly worded phrases must not be used in connection with the offering of any NMLS approved course.\n\nJ. Course Providers may use the “NMLS Approved” course logo with embedded course ID number to market or promote their courses only after their provider and course application has been approved. The “NMLS Approved” logo may only be used to promote a course that has been approved by NMLS and issued an NMLS course ID number. The logo must not appear in conjunction with any course that has not been approved by NMLS.\n\nK. The Nationwide Mortgage Licensing System, Nationwide Mortgage Licensing System and Registry, NMLS, NMLS-R, NMLS Approved, and the NMLS Approved logo are all trademarks of the State Regulatory Registry LLC. The use of the term “NMLS” or any derivative thereof may not be used in any web URL, brand, title, or company name. The State Regulatory Registry LLC will enforce and defend any use of its trademarks which is inconsistent with these business standards.\n\n## 2. Consumer Protection and Service Standards: \n\nA. Approved Course Providers will provide students with ready access to the organization’s course cancellation and refund policies. Providers conducting e- commerce will abide by best practices associated with conducting business online to include posting a privacy policy, business name and address, and contact information.\n\nB. Approved Course Providers will complete credit banking within seven \\(7\\) calendar days after the end of the course completion date.\n\nC. Credit banking may only be completed after the student has completed the entire number of hours for whi",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\MTEB\\SOC_approvedCourseProvider.md",
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        "Standards of Conduct for Approved Course Providers {#xd_7801de92744a7d4f--5e59a59-198947017f9--7ff9 .concept}",
        "STANDARDS OF CONDUCT FOR APPROVED COURSE PROVIDERS[^1] {#section_nj3_dhf_hgc .section}",
        "1. Business and Marketing Standards: {#section_swz_wgf_hgc .section}",
        "2. Consumer Protection and Service Standards: {#section_n5n_ygf_hgc .section}",
        "3. Ethical and Legal Standards: {#section_bgq_zgf_hgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/MTEB/SOC_approvedCourseProvider.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/MTEB/SOC_approvedCourseProvider.md:chunk-3",
      "title": "Standards of Conduct for Approved Course Providers {#xd_7801de92744a7d4f--5e59a59-198947017f9--7ff9 .concept}",
      "content": "credit banking within seven \\(7\\) calendar days after the end of the course completion date.\n\nC. Credit banking may only be completed after the student has completed the entire number of hours for which the course was approved.\n\nD. Credits may only be banked for students who have actually completed a course. It will be considered a violation of the Standards of Conduct and will be considered fraud if an Approved Course Provider reports credits completed for a student who has not completed the entire course.\n\nE. Classroom courses are to be delivered in a physical environment that is appropriate for adult education needs in accordance with the NMLS Policy on Criteria for Granting Approval for a Course to Become NMLS Approved.\n\nF. Course Providers are to ensure that instructors are knowledgeable in the course subject matter and possess and employ appropriate teaching skills as a result of either relevant academic and/or professional experience in accordance with the NMLS Policy on Criteria for Granting Approval to Become an NMLS Approved Course Provider.\n\nG. Course Providers must ensure that they have successfully met any and all conditions associated with a course approval prior to offering the course.\n\nH. Once a course is approved by NMLS, except for routine maintenance associated with updating content to reflect changes to Federal or State laws, content may not be changed without the express approval of NMLS. Course provider will ensure the course remains current of all federal and/or state laws and that course will be updated to ensure loan disclosure requirements, fees, and/or any other information that may be promulgated on a regular basis by a relevant any regulatory body.\n\nI. Course Providers must operate in accordance with all applicable Federal and State laws and regulations including but not limited to the Americans with Disabilities Act \\(ADA\\), and state Post-Secondary Higher Education Commission approval standards \\(where applicable\\).\n\nJ. Course provider",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\MTEB\\SOC_approvedCourseProvider.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\MTEB\\SOC_approvedCourseProvider.md",
      "headings": [
        "Standards of Conduct for Approved Course Providers {#xd_7801de92744a7d4f--5e59a59-198947017f9--7ff9 .concept}",
        "STANDARDS OF CONDUCT FOR APPROVED COURSE PROVIDERS[^1] {#section_nj3_dhf_hgc .section}",
        "1. Business and Marketing Standards: {#section_swz_wgf_hgc .section}",
        "2. Consumer Protection and Service Standards: {#section_n5n_ygf_hgc .section}",
        "3. Ethical and Legal Standards: {#section_bgq_zgf_hgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/MTEB/SOC_approvedCourseProvider.html",
      "snippet": null
    },
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      "id": "maps/NMLS/education/mlo_testing/MTEB/SOC_approvedCourseProvider.md:chunk-4",
      "title": "Standards of Conduct for Approved Course Providers {#xd_7801de92744a7d4f--5e59a59-198947017f9--7ff9 .concept}",
      "content": " regulations including but not limited to the Americans with Disabilities Act \\(ADA\\), and state Post-Secondary Higher Education Commission approval standards \\(where applicable\\).\n\nJ. Course providers acknowledge and agree that as the approval authority for education that is to be administered to MLOs to comply with the SAFE Act, that NMLS may audit by any means it sees fit, and at any time and at any location, any course it has approved, to verify that it is being delivered in accordance with NMLS policies and the Functional Specification. Course providers further acknowledge that if a course is found by NMLS to be sufficiently deficient and/or not being delivered in accordance with NMLS policies, that NMLS may, with little or no advanced warning, suspend or remove approval of the course.\n\nK. Course provider agrees not to make any technical changes to the course to include transitioning of a Learning Management System \\(LMS\\) and/or disable/modify any student authentication protocols without coordinating with NMLS prior to the event happening.\n\n## 3. Ethical and Legal Standards: \n\nA. Approved Course Providers are prohibited from committing fraud or misrepresentation in the application or maintenance of their NMLS approval status.\n\nB. Approved course providers and their instructors are prohibited from engaging in any unlawful, misleading, or unethical activities or from engaging in any activity of moral turpitude under federal or state law. Additionally, all instructors must meet the minimum requirements for criminal background check as described in the SAFE Act \\(Sec 5104\\(b\\)\\(1-3\\).\n\nC. Approved Course Providers and their employees must inform NMLS if they are the subject of any final regulatory or enforcement action related to compliance with applicable federal and state laws and regulations. Upon such notification, NMLS reserves the right to take action that could result in sanctions or disciplinary action up to and including loss of NMLS approval status.\n\nD. ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\MTEB\\SOC_approvedCourseProvider.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\MTEB\\SOC_approvedCourseProvider.md",
      "headings": [
        "Standards of Conduct for Approved Course Providers {#xd_7801de92744a7d4f--5e59a59-198947017f9--7ff9 .concept}",
        "STANDARDS OF CONDUCT FOR APPROVED COURSE PROVIDERS[^1] {#section_nj3_dhf_hgc .section}",
        "1. Business and Marketing Standards: {#section_swz_wgf_hgc .section}",
        "2. Consumer Protection and Service Standards: {#section_n5n_ygf_hgc .section}",
        "3. Ethical and Legal Standards: {#section_bgq_zgf_hgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/MTEB/SOC_approvedCourseProvider.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/MTEB/SOC_approvedCourseProvider.md:chunk-5",
      "title": "Standards of Conduct for Approved Course Providers {#xd_7801de92744a7d4f--5e59a59-198947017f9--7ff9 .concept}",
      "content": " state laws and regulations. Upon such notification, NMLS reserves the right to take action that could result in sanctions or disciplinary action up to and including loss of NMLS approval status.\n\nD. Approved Course Providers are prohibited from having their employees, agents, or other representatives take the SAFE Mortgage Loan Originator \\(MLO\\) Test for the purpose of learning about the test or any of its content. Course Providers are prohibited from receiving information from persons who have taken a SAFE MLO Test or those with proprietary knowledge about the SAFE MLO Test for the purpose of learning about or using the test or any of its contents. The SAFE MLO Test may only be taken for the purpose of acquiring an MLO license. The taking of the SAFE MLO Test for any other reason is a violation of these Standards of Conduct and may result in disciplinary actions up to and including the loss of NMLS Approval status.\n\nE. Because NMLS does not publicize any specific information pertaining to the content of the SAFE MLO Test other than the Content Outlines, Approved Course Providers are prohibited from communicating with customers or prospective customers that they have special knowledge regarding the content or other non-public characteristics of the SAFE MLO Test.\n\nF. As a condition for achieving and maintaining NMLS approval status, Course Provider attests to having in place processes for the retention of data and documents associated with the delivery of NMLS approved courses for a period of five years. Further, the organization agrees that NMLS retains the ability to audit Course Data, as needed, to ensure Course Provider is properly administering courses and tracking student participation. Accordingly, Course Provider must make Course Data available to SRR within 14 calendar days of a written request from SRR.\n\n**Parent topic:**Administrative Action Procedures for SAFE Act Education Requirements NMLS Approved Course Providers\n\n[^1]:  Standards of Conduct – Amen",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\MTEB\\SOC_approvedCourseProvider.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\MTEB\\SOC_approvedCourseProvider.md",
      "headings": [
        "Standards of Conduct for Approved Course Providers {#xd_7801de92744a7d4f--5e59a59-198947017f9--7ff9 .concept}",
        "STANDARDS OF CONDUCT FOR APPROVED COURSE PROVIDERS[^1] {#section_nj3_dhf_hgc .section}",
        "1. Business and Marketing Standards: {#section_swz_wgf_hgc .section}",
        "2. Consumer Protection and Service Standards: {#section_n5n_ygf_hgc .section}",
        "3. Ethical and Legal Standards: {#section_bgq_zgf_hgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/MTEB/SOC_approvedCourseProvider.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/MTEB/SOC_approvedCourseProvider.md:chunk-6",
      "title": "Standards of Conduct for Approved Course Providers {#xd_7801de92744a7d4f--5e59a59-198947017f9--7ff9 .concept}",
      "content": "4 calendar days of a written request from SRR.\n\n**Parent topic:**Administrative Action Procedures for SAFE Act Education Requirements NMLS Approved Course Providers\n\n[^1]:  Standards of Conduct – Amended and effective 09/09/2021. Amended and effective 01/01/2018. Amended and effective 12/04/2014. Amended and effective 09/20/2012. Amended and effective 12/15/2011. Amended and effective 04/13/2011. Amended and effective 05/27/2010. Adopted and effective 02/04/2010.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\MTEB\\SOC_approvedCourseProvider.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\MTEB\\SOC_approvedCourseProvider.md",
      "headings": [
        "Standards of Conduct for Approved Course Providers {#xd_7801de92744a7d4f--5e59a59-198947017f9--7ff9 .concept}",
        "STANDARDS OF CONDUCT FOR APPROVED COURSE PROVIDERS[^1] {#section_nj3_dhf_hgc .section}",
        "1. Business and Marketing Standards: {#section_swz_wgf_hgc .section}",
        "2. Consumer Protection and Service Standards: {#section_n5n_ygf_hgc .section}",
        "3. Ethical and Legal Standards: {#section_bgq_zgf_hgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/MTEB/SOC_approvedCourseProvider.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/MTEB/mteb_members.md:chunk-0",
      "title": "Mortgage Testing and Education Board \\(MTEB\\) Members {#xd_7801de92744a7d4f--5e59a59-198947017f9--7ffa .reference}",
      "content": "# Mortgage Testing and Education Board \\(MTEB\\) Members \n\nSRR Committee Member Lists \\(including MTEB\\)\n\n**Parent topic:**T&E Agreements, AAP, and Enforcement Actions",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\MTEB\\mteb_members.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\MTEB\\mteb_members.md",
      "headings": [
        "Mortgage Testing and Education Board \\(MTEB\\) Members {#xd_7801de92744a7d4f--5e59a59-198947017f9--7ffa .reference}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/MTEB/mteb_members.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_courseProviders/mlo_testing_hbk_LateCE_123CE.md:chunk-0",
      "title": "123CE Inc {#xd_32dd3e1ef42e96ae-81b8e2c-191421441e5--7ffb .reference}",
      "content": "# 123CE Inc \n\nProvider Number: 1400019\n\nWeb Address: http://www.123ceinc.com\n\n4618 Hickory Hill Lane, Manvel, TX 77578\n\n|Course ID|Provider ID|Name|Instruction Method|Category|\n|---------|-----------|----|------------------|--------|\n|17880|1400019|Late CE 8 Hour CA-DFPI SAFE Comprehensive: Guidance \\(16980\\)|Online Self-Study|CE Comprehensive|\n|17881|1400019|Late CE 8 Hour FL SAFE Comprehensive: Guidance \\(16981\\)|Online Self-Study|CE Comprehensive|\n|17882|1400019|Late CE 8 Hour SAFE Comprehensive: Guidance \\(16923\\)|Online Self-Study|CE Comprehensive|\n\n**Parent topic:**Late CE Course Catalog\n\n**Related information**  \n\n1 Stop Training, Inc. DBA: MortgageEducation.com\n\n24hourEDU LLC\n\nAAA Mortgage Training\n\nAmeritrain Mortgage Institute\n\nAt Your Pace Online, LLC\n\nBroker Knowledge Group DBA: The Knowledge Coop\n\nCape School Inc.\n\nCatalyst Mortgage Solutions\n\nChampions School of Real Estate\n\nDiehl & Associates, Inc.\n\nJim Montrym's National MLO School\n\nMaxClass LLC\n\nMortgage Educators and Compliance\n\nOCL Financial Services LLC DBA: OnCourse Learning\n\nOnlineEd\n\nRealty Publications Inc. DBA: First Tuesday\n\nThe CE Shop",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_courseProviders\\mlo_testing_hbk_LateCE_123CE.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_courseProviders\\mlo_testing_hbk_LateCE_123CE.md",
      "headings": [
        "123CE Inc {#xd_32dd3e1ef42e96ae-81b8e2c-191421441e5--7ffb .reference}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_courseProviders/mlo_testing_hbk_LateCE_123CE.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_courseProviders/mlo_testing_hbk_LateCE_1StopTng.md:chunk-0",
      "title": "1 Stop Training, Inc. DBA: MortgageEducation.com {#xd_32dd3e1ef42e96ae-81b8e2c-191421441e5--7ffc .reference}",
      "content": "# 1 Stop Training, Inc. DBA: MortgageEducation.com \n\nProvider Number: 1400051\n\nWeb Address: www.MortgageEducation.com\n\n131, 7th Avenue New York, NY 10011\n\n|Course ID|Provider ID|Name|Instruction Method|Category|\n|---------|-----------|----|------------------|--------|\n|17957|1400051|Late CE 1 Hour AZ SAFE: 2025 Arizona Self Study \\(16898\\)|Online Self-Study|CE Elective|\n|17958|1400051|Late CE 1 Hour RI SAFE: 2025 Rhode Island Self Study \\(16974\\)|Online Self-Study|CE Elective|\n|17959|1400051|Late CE 1 Hour ID SAFE: 2025 Idaho Self Study \\(16978\\)|Online Self-Study|CE Elective|\n|17960|1400051|Late CE 2 Hour OR SAFE: 2025 Oregon Self Study \\(16997\\)|Online Self-Study|CE Elective|\n|17961|1400051|Late CE 1 Hour MN SAFE: 2025 Minnesota Self Study \\(16996\\)|Online Self-Study|CE Elective|\n|17962|1400051|Late CE 2 Hour WV SAFE: 2025 West Virginia Self Study \\(16975\\)|Online Self-Study|CE Elective|\n|17963|1400051|Late CE 1 Hour MA SAFE: 2025 Massachusetts Self Study \\(16992\\)|Online Self-Study|CE Elective|\n|17964|1400051|Late CE 1 Hour FL SAFE: 2025 Florida Self Study \\(16995\\)|Online Self-Study|CE Elective|\n|17965|1400051|Late CE 1 Hour SAFE: 2025 Elective - Social Media Compliance for MLOs \\(17105\\)|Online Self-Study|CE Elective|\n|17966|1400051|Late CE 7 Hour SAFE Core: 2025 Online Self Study \\(17111\\)|Online Self-Study|CE Core|\n|17967|1400051|Late CE 1 Hour KY SAFE: 2025 Kentucky Self Study \\(16977\\)|Online Self-Study|CE Elective|\n|17968|1400051|Late CE 1 Hour PA SAFE: 2025 Pennsylvania Self Study \\(16976\\)|Online Self-Study|CE Elective|\n|17969|1400051|Late CE 2 Hour SAFE: 2025 NonTraditional Mortgage Supplemental Self Study \\(17103\\)|Online Self-Study|CE Nontraditional|\n|17970|1400051|Late CE 1 Hour CA-DFPI SAFE: 2025 California Self Study \\(16922\\)|Online Self-Study|CE Elective|\n|17971|1400051|Late CE 1 Hour NC SAFE: 2025 North Carolina Self Study \\(16921\\)|Online Self-Study|CE Elective|\n|17972|1400051|Late CE 1 Hour DC SAFE: 2025 District of Columbia Self Study \\(16969",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_courseProviders\\mlo_testing_hbk_LateCE_1StopTng.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_courseProviders\\mlo_testing_hbk_LateCE_1StopTng.md",
      "headings": [
        "1 Stop Training, Inc. DBA: MortgageEducation.com {#xd_32dd3e1ef42e96ae-81b8e2c-191421441e5--7ffc .reference}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_courseProviders/mlo_testing_hbk_LateCE_1StopTng.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_courseProviders/mlo_testing_hbk_LateCE_1StopTng.md:chunk-1",
      "title": "1 Stop Training, Inc. DBA: MortgageEducation.com {#xd_32dd3e1ef42e96ae-81b8e2c-191421441e5--7ffc .reference}",
      "content": "tive|\n|17971|1400051|Late CE 1 Hour NC SAFE: 2025 North Carolina Self Study \\(16921\\)|Online Self-Study|CE Elective|\n|17972|1400051|Late CE 1 Hour DC SAFE: 2025 District of Columbia Self Study \\(16969\\)|Online Self-Study|CE Elective|\n|17973|1400051|Late CE 1 Hour MD SAFE: 2025 Maryland Self Study \\(16970\\)|Online Self-Study|CE Elective|\n|17974|1400051|Late CE 1 Hour SC-BFI SAFE: 2025 South Carolina Self Study \\(16559\\)|Online Self-Study|CE Elective|\n|17975|1400051|Late CE 1 Hour SC-DCA SAFE: 2025 South Carolina Self Study \\(16560\\)|Online Self-Study|CE Elective|\n|17976|1400051|Late CE 1 Hour NM SAFE: 2025 New Mexico Self Study \\(16561\\)|Online Self-Study|CE Elective|\n|17977|1400051|Late CE 1 Hour GA SAFE: 2025 Georgia Self Study \\(16562\\)|Online Self-Study|CE Elective|\n|17978|1400051|Late CE 1 Hour MO SAFE: 2025 Missouri Self Study \\(16563\\)|Online Self-Study|CE Elective|\n|17979|1400051|Late CE 1 Hour CO SAFE: 2020 Colorado and before Required Topics \\(16718\\)|Online Self-Study|CE Elective|\n|17980|1400051|Late CE 3 Hour NV SAFE: 2017 and before Nevada Loan Modification Law|Online Self-Study|CE Elective|\n|17981|1400051|Late CE 1 Hour UT-DRE SAFE: 2025 Utah DRE Self Study \\(17166\\)|Online Self-Study|CE Elective|\n|17982|1400051|Late CE 1 Hour WA SAFE: 2025 Washington Self Study \\(16752\\)|Online Self-Study|CE Elective|\n|17983|1400051|Late CE 1 Hour HI SAFE: 2025 Hawaii Self Study \\(16789\\)|Online Self-Study|CE Elective|\n|17984|1400051|Late CE 1 Hour SAFE: 2025 Anti-Money Laundering Self Study \\(16714\\)|Online Self-Study|CE Elective|\n|17985|1400051|Late CE 3 Hour NY SAFE: 2025 New York Self Study \\(16666\\)|Online Self-Study|CE Elective|\n|17986|1400051|Late CE 2 Hour NJ SAFE: 2025 New Jersey Self Study \\(16667\\)|Online Self-Study|CE Elective|\n|17987|1400051|Late CE 1 Hour NV SAFE: 2025 Nevada for Qualified Employees \\(16569\\)|Online Self-Study|CE Elective|\n|17988|1400051|Late CE 1 Hour CT SAFE: 2025 Connecticut Self Study \\(16753\\)|Online Self-Study|CE Elective|\n\n**Parent",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_courseProviders\\mlo_testing_hbk_LateCE_1StopTng.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_courseProviders\\mlo_testing_hbk_LateCE_1StopTng.md",
      "headings": [
        "1 Stop Training, Inc. DBA: MortgageEducation.com {#xd_32dd3e1ef42e96ae-81b8e2c-191421441e5--7ffc .reference}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_courseProviders/mlo_testing_hbk_LateCE_1StopTng.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_courseProviders/mlo_testing_hbk_LateCE_1StopTng.md:chunk-2",
      "title": "1 Stop Training, Inc. DBA: MortgageEducation.com {#xd_32dd3e1ef42e96ae-81b8e2c-191421441e5--7ffc .reference}",
      "content": "SAFE: 2025 Nevada for Qualified Employees \\(16569\\)|Online Self-Study|CE Elective|\n|17988|1400051|Late CE 1 Hour CT SAFE: 2025 Connecticut Self Study \\(16753\\)|Online Self-Study|CE Elective|\n\n**Parent topic:**Late CE Course Catalog\n\n**Related information**  \n\n123CE Inc\n\n24hourEDU LLC\n\nAAA Mortgage Training\n\nAmeritrain Mortgage Institute\n\nAt Your Pace Online, LLC\n\nBroker Knowledge Group DBA: The Knowledge Coop\n\nCape School Inc.\n\nCatalyst Mortgage Solutions\n\nChampions School of Real Estate\n\nDiehl & Associates, Inc.\n\nJim Montrym's National MLO School\n\nMaxClass LLC\n\nMortgage Educators and Compliance\n\nOCL Financial Services LLC DBA: OnCourse Learning\n\nOnlineEd\n\nRealty Publications Inc. DBA: First Tuesday\n\nThe CE Shop",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_courseProviders\\mlo_testing_hbk_LateCE_1StopTng.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_courseProviders\\mlo_testing_hbk_LateCE_1StopTng.md",
      "headings": [
        "1 Stop Training, Inc. DBA: MortgageEducation.com {#xd_32dd3e1ef42e96ae-81b8e2c-191421441e5--7ffc .reference}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_courseProviders/mlo_testing_hbk_LateCE_1StopTng.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_courseProviders/mlo_testing_hbk_courseProviders.md:chunk-0",
      "title": "NMLS Approved Course Provider List {#mlo_testing_hbk_courseProviders .concept}",
      "content": "# NMLS Approved Course Provider List \n\nRegister and complete NMLS approved education with an NMLS approved course provider. NMLS approved providers are the only entities authorized to deliver courses for MLO licensing.\n\nThe course provider is responsible for reporting completions to NMLS. Once reported, courses appear in the education record in NMLS. Give the course provider your NMLS ID and Name exactly as it is listed in NMLS.\n\nCheck with your course provider about missing credit. Make sure they have your Name and NMLS ID as it is listed in NMLS.\n\nUpdated 2025-12-08\n\n\n\nProvider\n\n\n\nContact Information\n\n\n\nPE Classroom\n\n\n\nPE Webinar\n\n\n\nPE Online\n\n\n\nCE Classroom\n\n\n\nCE Webinar\n\n\n\nCE Online\n\n\n\n1 Stop Training, Inc. DBA: MortgageEducation.com ID\\#: 1400051\n\n\n\n131 7th Avenue Suite 230 New York, NY 10011 888-557-6770\n\n www.MortgageEducation.com\n\n\n\nX\n\n\n\nX\n\n\n\nX\n\n\n\nX\n\n\n\nX\n\n\n\nX\n\n\n\n123CE Inc ID\\#: 1400019\n\n\n\n4618 Hickory Hill Lane Manvel, TX 77578 281-692-0777\n\n http://www.123ceinc.com\n\n\n\n \n\n\n\n \n\n\n\n \n\n\n\n \n\n\n\n \n\n\n\nX\n\n\n\n24hourEDU LLC ID\\#: 1405107\n\n\n\n1255 Scheuring Road Suite C DePere, WI 54115 888-405-4453\n\n www.24houredu.com\n\n\n\n \n\n\n\n \n\n\n\nX\n\n\n\n \n\n\n\n \n\n\n\nX\n\n\n\nAAA Mortgage Training ID\\#: 1400980\n\n\n\n28897 Anthony Road Atlanta, IN 46031 317-201-7612\n\n https://www.AAAMortgageTraining.com\n\n\n\nX\n\n\n\nX\n\n\n\nX\n\n\n\nX\n\n\n\nX\n\n\n\nX\n\n\n\nAceable Mortgage ID\\#: 1400102\n\n\n\n4201 FM 1960 Road West Suite \\#100 Houston, TX 77068 855-550-3040\n\n https://mortgage.aceable.com\n\n\n\nX\n\n\n\nX\n\n\n\nX\n\n\n\nX\n\n\n\nX\n\n\n\nX\n\n\n\nAdvanced Creative Learning School of Real Estate LLC DBA: A.C.L. School of Real Estate ID\\#: 1405084\n\n\n\n1600 Vauxhall Rd suite \\#310 union, NJ 07083 201-702-9830\n\n www.aclschoolofrealestate.com\n\n\n\n \n\n\n\n \n\n\n\n \n\n\n\nX\n\n\n\n \n\n\n\n \n\n\n\nAffinity Real Estate & Mortgage Services ID\\#: 1405018\n\n\n\n25185 Madison Ave Suite A-6 Murrieta, CA 92562 800-991-6097\n\n http://www.mlotrainingacademy.com\n\n\n\nX\n\n\n\nX\n\n\n\nX\n\n\n\n \n\n\n\nX\n\n\n\n \n\n\n\nAlabama Mortgage Brokers Association \\(AMBA\\) DBA: Alabama Mortgage Professionals Association ID\\#",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_courseProviders\\mlo_testing_hbk_courseProviders.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_courseProviders\\mlo_testing_hbk_courseProviders.md",
      "headings": [
        "NMLS Approved Course Provider List {#mlo_testing_hbk_courseProviders .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_courseProviders/mlo_testing_hbk_courseProviders.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_courseProviders/mlo_testing_hbk_courseProviders.md:chunk-1",
      "title": "NMLS Approved Course Provider List {#mlo_testing_hbk_courseProviders .concept}",
      "content": " Murrieta, CA 92562 800-991-6097\n\n http://www.mlotrainingacademy.com\n\n\n\nX\n\n\n\nX\n\n\n\nX\n\n\n\n \n\n\n\nX\n\n\n\n \n\n\n\nAlabama Mortgage Brokers Association \\(AMBA\\) DBA: Alabama Mortgage Professionals Association ID\\#: 1400883\n\n\n\n108 Windsor Lane Pelham, AL 35124 205-663-9696\n\n https://www.almpa.org/\n\n\n\n \n\n\n\n \n\n\n\n \n\n\n\nX\n\n\n\n \n\n\n\n \n\n\n\nAmerica's Mortgage Trainers DBA: Florida Mortgage School ID\\#: 1400040\n\n\n\n1788 Robert Street Longwood, FL 32750 407-509-6456\n\n http://www.FloridaMortgageSchool.org\n\n\n\n \n\n\n\nX\n\n\n\n \n\n\n\n \n\n\n\nX\n\n\n\n \n\n\n\nAmerican Continuing Education Institute, ltd. DBA: Calypso Continuing Education ID\\#: 1405111\n\n\n\nPO Box 176 Randolph, VT 05060 802-565-8238\n\n www.calypsoedu.com\n\n\n\n \n\n\n\n \n\n\n\n \n\n\n\n \n\n\n\n \n\n\n\nX\n\n\n\nAmeritrain Mortgage Institute ID\\#: 1400015\n\n\n\n115 Perimeter Center Place Suite 197A Atlanta, GA 30346 877-406-0333\n\n https://www.ameritrain.com\n\n\n\n \n\n\n\nX\n\n\n\nX\n\n\n\nX\n\n\n\nX\n\n\n\nX\n\n\n\nArizona Association of Mortgage Professionals ID\\#: 1400262\n\n\n\n8757 E Arroyo Seco Rd Scottsdale, AZ 85266 602-818-4122\n\n http://www.azamp.org\n\n\n\n \n\n\n\n \n\n\n\n \n\n\n\nX\n\n\n\nX\n\n\n\n \n\n\n\nArizona Mortgage Lenders Association ID\\#: 1400604\n\n\n\n27460 N. Cardinal Lane Peoria, AZ 85383 623-433-8940\n\n http://www.azmortgagelenders.com\n\n\n\n \n\n\n\n \n\n\n\n \n\n\n\nX\n\n\n\n \n\n\n\n \n\n\n\nASB/RES, LLC DBA: American School of Business ID\\#: 1400050\n\n\n\n194 Route 46 East Fairfield, NJ 07004 973-244-0333\n\n http://www.americanschoolnj.com\n\n\n\nX\n\n\n\nX\n\n\n\n \n\n\n\nX\n\n\n\nX\n\n\n\n \n\n\n\nAt Your Pace Online, LLC ID\\#: 1405040\n\n\n\n225 East Robinson Street, Suite 570 Orlando, FL 32801 877-724-6150\n\n https://www.ayporealestate.com/school/mlo-ce/\n\n\n\n \n\n\n\n \n\n\n\nX\n\n\n\n \n\n\n\n \n\n\n\nX\n\n\n\nBroker Knowledge Group DBA: Knowledge Coop ID\\#: 1400023\n\n\n\n1012 Washington St. Vancouver, WA 98660 360-342-6176\n\n http://knowledgecoop.com/\n\n\n\n \n\n\n\n \n\n\n\nX\n\n\n\nX\n\n\n\nX\n\n\n\nX\n\n\n\nBrooklyn School of Real Estate, Inc. DBA: Brooklyn School of Real Estate ID\\#: 1400474\n\n\n\n157 Kings Highway 2nd Floor Brooklyn, NY 11223 718-621-7000\n\n http://www.brooklyn-school.com\n\n\n\nX\n\n\n\n \n\n\n\n \n\n\n\nX\n\n\n\n \n\n\n\n \n\n\n\nBu",
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      "headings": [
        "NMLS Approved Course Provider List {#mlo_testing_hbk_courseProviders .concept}"
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      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_courseProviders/mlo_testing_hbk_courseProviders.html",
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      "id": "maps/NMLS/education/mlo_testing/mlo_courseProviders/mlo_testing_hbk_courseProviders.md:chunk-2",
      "title": "NMLS Approved Course Provider List {#mlo_testing_hbk_courseProviders .concept}",
      "content": " Real Estate, Inc. DBA: Brooklyn School of Real Estate ID\\#: 1400474\n\n\n\n157 Kings Highway 2nd Floor Brooklyn, NY 11223 718-621-7000\n\n http://www.brooklyn-school.com\n\n\n\nX\n\n\n\n \n\n\n\n \n\n\n\nX\n\n\n\n \n\n\n\n \n\n\n\nBurk Baker School Real Estate and Appraising ID\\#: 1400055\n\n\n\n2834 S. Sherwood Forest Blvd. Suite B14 Baton Rouge, LA 70816 225-293-6000\n\n http://www.burkbaker.com\n\n\n\nX\n\n\n\n \n\n\n\n \n\n\n\nX\n\n\n\n \n\n\n\n \n\n\n\nCape School Inc. ID\\#: 1400105\n\n\n\nPO Box 169 Buckingham, VA 23921 434-969-3000\n\n http://www.capeschool.com\n\n\n\n \n\n\n\n \n\n\n\nX\n\n\n\nX\n\n\n\nX\n\n\n\nX\n\n\n\nCapstone Institute of Mortgage Finance DBA: Capstone InstituteID\\#: 1400112\n\n\n\n5784 Lake Forrest Dr, Box 41, Suite 280 Atlanta, GA 30328 888-254-3431\n\n https://capstoneinstitute.com/\n\n\n\nX\n\n\n\n \n\n\n\n \n\n\n\n \n\n\n\n \n\n\n\n \n\n\n\nCareer Classroom LLC ID\\#: 1405110\n\n\n\nPO Box 151133 Austin, TX 78715 866-936-1468\n\n https://careerclassroom.com\n\n\n\n \n\n\n\n \n\n\n\n \n\n\n\n \n\n\n\n \n\n\n\nX\n\n\n\nCatalyst Mortgage Solutions ID\\#: 1405109\n\n\n\n2834 Libal Street Green Bay, WI 54301 847-830-1628\n\n CatalystMortgageSolutions.com\n\n\n\n \n\n\n\n \n\n\n\n \n\n\n\n \n\n\n\nX\n\n\n\n \n\n\n\nCE Forward, Inc. DBA: dba NAMF ID\\#: 1400068\n\n\n\n8100 238th St SW Unit E Edmonds, WA 98026 206-931-2241\n\n http://www.ceforward.com\n\n\n\nX\n\n\n\nX\n\n\n\n \n\n\n\nX\n\n\n\nX\n\n\n\n \n\n\n\nCentral Jersey Real Estate Institute ID\\#: 1405089\n\n\n\n2230 Route 206 Belle Mead, NJ 08502 908-281-5970\n\n www.cjrei.com\n\n\n\n \n\n\n\nX\n\n\n\n \n\n\n\n \n\n\n\n \n\n\n\n \n\n\n\nCertifyde, Inc. ID\\#: 1405114\n\n\n\n1330 West Ave Apt 2102 Miami Beach, FL 33139 513-886-6543\n\n www.certifyde.com\n\n\n\n \n\n\n\n \n\n\n\n \n\n\n\n \n\n\n\n \n\n\n\nX\n\n\n\nChamberlin Real Estate School ID\\#: 1400276\n\n\n\n1270 Winchester Blvd., Suite 100 San Jose, CA 95128 408-378-4400\n\n https://www.reschool.com\n\n\n\n \n\n\n\n \n\n\n\n \n\n\n\n \n\n\n\n \n\n\n\nX\n\n\n\nChampions School Of Real Estate Ltd DBA: Champions School of Real Estate ID\\#: 1400073\n\n\n\nChampions School Of Real Estate 7302 N. Grand Parkway W. Spring, TX 77379 281-893-4484\n\n http://www.ChampionsSchool.com\n\n\n\nX\n\n\n\nX\n\n\n\nX\n\n\n\nX\n\n\n\nX\n\n\n\nX\n\n\n\nCharter Oak Systems, LLC ID\\#: 1405047\n\n\n\n1490 SE Savoy Way Stuart, F",
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      "headings": [
        "NMLS Approved Course Provider List {#mlo_testing_hbk_courseProviders .concept}"
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      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_courseProviders/mlo_testing_hbk_courseProviders.html",
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      "id": "maps/NMLS/education/mlo_testing/mlo_courseProviders/mlo_testing_hbk_courseProviders.md:chunk-3",
      "title": "NMLS Approved Course Provider List {#mlo_testing_hbk_courseProviders .concept}",
      "content": "al Estate 7302 N. Grand Parkway W. Spring, TX 77379 281-893-4484\n\n http://www.ChampionsSchool.com\n\n\n\nX\n\n\n\nX\n\n\n\nX\n\n\n\nX\n\n\n\nX\n\n\n\nX\n\n\n\nCharter Oak Systems, LLC ID\\#: 1405047\n\n\n\n1490 SE Savoy Way Stuart, FL 34997 203-778-9999\n\n https://cloes.online\n\n\n\n \n\n\n\n \n\n\n\nX\n\n\n\n \n\n\n\n \n\n\n\n \n\n\n\nDepartment of Commerce, Utah Division Of Real EstateID\\#: 1405048\n\n\n\n160 E 300 S Salt Lake City, UT 84114 801-530-6747\n\n http://realestate.utah.gov\n\n\n\n \n\n\n\n \n\n\n\n \n\n\n\nX\n\n\n\n \n\n\n\n \n\n\n\nDiehl & Associates, Inc. DBA: Diehl Mortgage Training and Compliance, a wholly owned subsidiary of KensieMae, LLC ID\\#: 1400133\n\n\n\nPO Box 208 Eden, NY 14057 317-272-7600\n\n http://www.diehleducation.com\n\n\n\n \n\n\n\nX\n\n\n\nX\n\n\n\nX\n\n\n\nX\n\n\n\nX\n\n\n\nDonaldson Educational Services ID\\#: 1400118\n\n\n\n2601 N. Hullen St. Metairie, LA 70002 504-456-1785\n\n https://donaldsoneducation.com\n\n\n\nX\n\n\n\nX\n\n\n\n \n\n\n\n \n\n\n\n \n\n\n\n \n\n\n\nDuane Gomer Inc. Loan Origination Education DBA: Duane Gomer Seminars ID\\#: 1400388\n\n\n\n23312 Madero \\#J Mission Viejo, CA 92691 949-457-8930\n\n http://www.DuaneGomer.com\n\n\n\n \n\n\n\n \n\n\n\n \n\n\n\nX\n\n\n\nX\n\n\n\n \n\n\n\nEducation Pathways, LLC ID\\#: 1405086\n\n\n\n25216 Pelican Creek Circle \\#103 Bonita Springs, FL 34134 609-425-6677\n\n www.educationpathways.biz\n\n\n\n \n\n\n\n \n\n\n\n \n\n\n\n \n\n\n\n \n\n\n\nX\n\n\n\nEmpire Learning ID\\#: 1405077\n\n\n\n9406 Clearhurst Dr Dallas, TX 75238 855-460-1634\n\n EmpireLearning.com\n\n\n\n \n\n\n\n \n\n\n\n \n\n\n\n \n\n\n\n \n\n\n\nX\n\n\n\nFahim Muhammad Freedom Financial Institute ID\\#: 1405073\n\n\n\n837 East 162nd Street Suite 7-8 South Holland, IL 60473 708-704-7309\n\n 380 Calhoun Aveune\n\n\n\n \n\n\n\nX\n\n\n\n \n\n\n\n \n\n\n\n \n\n\n\n \n\n\n\nFinancial Planning Tools and Services, LLC DBA: Mortgage Education Institute ID\\#: 1405102\n\n\n\nP.O. Box 1801 Osage Beach, MO 65065 573-302-0600\n\n www.mortgageeducationinstitute.com\n\n\n\n \n\n\n\n \n\n\n\n \n\n\n\nX\n\n\n\nX\n\n\n\n \n\n\n\nFlorida Association of Mortgage Professionals DBA: Florida Association of Mortgage Professionals ID\\#: 1405075\n\n\n\n113 S. Monroe St, 1st Floor Tallahassee, FL 32301 850-942-6411\n\n www.ourfamp.org\n\n\n\n \n\n\n\n \n\n\n\n \n\n\n\nX\n\n\n\nX\n\n\n\n \n\n\n\nFortuna",
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      "headings": [
        "NMLS Approved Course Provider List {#mlo_testing_hbk_courseProviders .concept}"
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      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_courseProviders/mlo_testing_hbk_courseProviders.html",
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      "id": "maps/NMLS/education/mlo_testing/mlo_courseProviders/mlo_testing_hbk_courseProviders.md:chunk-4",
      "title": "NMLS Approved Course Provider List {#mlo_testing_hbk_courseProviders .concept}",
      "content": "fessionals DBA: Florida Association of Mortgage Professionals ID\\#: 1405075\n\n\n\n113 S. Monroe St, 1st Floor Tallahassee, FL 32301 850-942-6411\n\n www.ourfamp.org\n\n\n\n \n\n\n\n \n\n\n\n \n\n\n\nX\n\n\n\nX\n\n\n\n \n\n\n\nFortuna Academy, LLC ID\\#: 1405042\n\n\n\n63500 Georgetowne South Washington Twp, MI 48095 586-615-2868\n\n https://fortunaacademy.com/\n\n\n\n \n\n\n\n \n\n\n\n \n\n\n\nX\n\n\n\n \n\n\n\n \n\n\n\nFowler Financial Education and Consulting, LLC ID\\#: 1400294\n\n\n\n422 Cenaroca Ct. NE Albuquerque, NM 87123 505-263-8180\n\n\n\n \n\n\n\n \n\n\n\n \n\n\n\nX\n\n\n\n \n\n\n\n \n\n\n\nG and C Contracting Team LLC DBA: SAFEPath Learning ID\\#: 1405103\n\n\n\n1452 Bishop Road Grosse Pointe Park, MI 48230 248-842-2939\n\n safepathlearning.com\n\n\n\nX\n\n\n\n \n\n\n\n \n\n\n\n \n\n\n\n \n\n\n\n \n\n\n\nGoGo Real Estate ID\\#: 1400801\n\n\n\n1200 S. Diamond Bar Blvd. Suite 101B Diamond Bar, CA 91765 626-363-0331\n\n\n\nX\n\n\n\n \n\n\n\n \n\n\n\n \n\n\n\n \n\n\n\n \n\n\n\nGolden Hyde Real Estate Center DBA: Golden Hyde SchoolID\\#: 1405029\n\n\n\n1168 San Gabriel Blvd. \\#J Rosemead, CA 91770 626-571-0751\n\n http://www.goldenhyde.com\n\n\n\n \n\n\n\n \n\n\n\n \n\n\n\nX\n\n\n\n \n\n\n\n \n\n\n\nHost Group Real Estate, LLC. DBA: Host Group Real Estate Academy \\| HG ACADEMY ID\\#: 1400109\n\n\n\n1250 Franklin Street Duxbury, MA 02332 800-918-5240\n\n http://www.HostGroup.us\n\n\n\n \n\n\n\nX\n\n\n\n \n\n\n\nX\n\n\n\n \n\n\n\n \n\n\n\niTraining Corporation ID\\#: 1405106\n\n\n\n133-36 41st Rd CS6 Flushing, NY 11355 347-543-6635\n\n https://www.itraining.nyc.com\n\n\n\n \n\n\n\nX\n\n\n\n \n\n\n\n \n\n\n\n \n\n\n\n \n\n\n\nJim Montrym's National MLO School ID\\#: 1400075\n\n\n\n3943 East Eden Roc Circle Tampa, FL 33634 813-373-0531\n\n http://www.brokerschool.com\n\n\n\nX\n\n\n\nX\n\n\n\nX\n\n\n\nX\n\n\n\nX\n\n\n\nX\n\n\n\nLarson Educational Services DBA: Larson Educational Services ID\\#: 1400171\n\n\n\n12995 South Cleveland Avenue Suite 135 Fort Myers, FL 33907 239-344-7510\n\n http://www.LarsonEd.com\n\n\n\nX\n\n\n\n \n\n\n\n \n\n\n\n \n\n\n\n \n\n\n\n \n\n\n\nLoanOfficerSchool.com DBA: LoanOfficerSchool.com ID\\#: 1400057\n\n\n\n19391 SW Suncrest Lane Beaverton, OR 97007 866-314-7586\n\n http://www.loanofficerschool.com\n\n\n\n \n\n\n\n \n\n\n\nX\n\n\n\nX\n\n\n\nX\n\n\n\nX\n\n\n\nMain Street Success, Inc. ID\\#: 1405113\n\n\n\n47 W",
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      "headings": [
        "NMLS Approved Course Provider List {#mlo_testing_hbk_courseProviders .concept}"
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      "id": "maps/NMLS/education/mlo_testing/mlo_courseProviders/mlo_testing_hbk_courseProviders.md:chunk-5",
      "title": "NMLS Approved Course Provider List {#mlo_testing_hbk_courseProviders .concept}",
      "content": "rSchool.com ID\\#: 1400057\n\n\n\n19391 SW Suncrest Lane Beaverton, OR 97007 866-314-7586\n\n http://www.loanofficerschool.com\n\n\n\n \n\n\n\n \n\n\n\nX\n\n\n\nX\n\n\n\nX\n\n\n\nX\n\n\n\nMain Street Success, Inc. ID\\#: 1405113\n\n\n\n47 W Main St Smithtown, NY 11787 631-212-8328\n\n 47 W Main St\n\n\n\n \n\n\n\n \n\n\n\n \n\n\n\nX\n\n\n\n \n\n\n\n \n\n\n\nMassachusetts Mortgage Bankers Association DBA: Massachusetts Mortgage Bankers Association ID\\#: 1400031\n\n\n\n185 Devonshire Street Suite 601 Boston, MA 02110 617-570-9114\n\n http://www.massmba.com\n\n\n\n \n\n\n\n \n\n\n\n \n\n\n\nX\n\n\n\nX\n\n\n\n \n\n\n\nMaxClass LLC ID\\#: 1405088\n\n\n\n413 East 620 South \\#5 American Fork, UT 84003 860-719-1991\n\n www.MaxClass.com\n\n\n\nX\n\n\n\nX\n\n\n\n \n\n\n\nX\n\n\n\nX\n\n\n\nX\n\n\n\nMichigan Institute of Real Estate ID\\#: 1400212\n\n\n\n24655 Southfield Rd., Suite 101 Michigan, MI 48075 248-559-7555\n\n http://www.MichiganEducation.org\n\n\n\nX\n\n\n\nX\n\n\n\n \n\n\n\nX\n\n\n\n \n\n\n\n \n\n\n\nMiddleton Real Estate Training, Inc. ID\\#: 1400353\n\n\n\n901 Tower Dr. \\#120 Troy, MI 48098 248-355-3940\n\n http://www.middletontraining.com\n\n\n\nX\n\n\n\n \n\n\n\n \n\n\n\nX\n\n\n\n \n\n\n\n \n\n\n\nMLO Force, LLC ID\\#: 1405104\n\n\n\n509 FM 120 \\#848 Pottsboro, TX 75076 208-656-3672\n\n mloforce.com\n\n\n\n \n\n\n\n \n\n\n\n \n\n\n\nX\n\n\n\nX\n\n\n\nX\n\n\n\nMLO Licensing LLC DBA: MLO Class ID\\#: 1405092\n\n\n\n25 Melville Park Rd Suite\\# 160 Melville, NY 11747 877-997-3569\n\n MLOClass.com\n\n\n\n \n\n\n\nX\n\n\n\n \n\n\n\n \n\n\n\n \n\n\n\n \n\n\n\nMore Education, LLC ID\\#: 1405052\n\n\n\n8420 W. Dodge Road, Suite 113 Omaha, NE 68114 531-600-6470\n\n http://www.MORE-EDUCATION.com\n\n\n\n \n\n\n\n \n\n\n\n \n\n\n\nX\n\n\n\n \n\n\n\n \n\n\n\nMortgage Bankers Association of Kentucky, Inc. DBA: Mortgage Bankers Association of Kentucky ID\\#: 1405096\n\n\n\n715 Headley Ave. Lexington, KY 40508 270-303-1524\n\n https://www.mbaky.org/\n\n\n\n \n\n\n\n \n\n\n\n \n\n\n\nX\n\n\n\n \n\n\n\n \n\n\n\nMortgage Bankers School of Puerto Rico ID\\#: 1400047\n\n\n\nPO Box 192097 San Juan, PR 00919 787-753-9237\n\n http://www.mbaofpr.com\n\n\n\n \n\n\n\nX\n\n\n\n \n\n\n\n \n\n\n\nX\n\n\n\n \n\n\n\nMortgage Educators and Compliance DBA: Mortgage Educators and Compliance ID\\#: 1400062\n\n\n\n6504 Bridge Point Parkway, Suite 100 Austin, TX 78730 801-676-2520",
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      "headings": [
        "NMLS Approved Course Provider List {#mlo_testing_hbk_courseProviders .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_courseProviders/mlo_testing_hbk_courseProviders.html",
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      "id": "maps/NMLS/education/mlo_testing/mlo_courseProviders/mlo_testing_hbk_courseProviders.md:chunk-6",
      "title": "NMLS Approved Course Provider List {#mlo_testing_hbk_courseProviders .concept}",
      "content": "baofpr.com\n\n\n\n \n\n\n\nX\n\n\n\n \n\n\n\n \n\n\n\nX\n\n\n\n \n\n\n\nMortgage Educators and Compliance DBA: Mortgage Educators and Compliance ID\\#: 1400062\n\n\n\n6504 Bridge Point Parkway, Suite 100 Austin, TX 78730 801-676-2520\n\n http://www.mortgageeducators.com\n\n\n\nX\n\n\n\nX\n\n\n\nX\n\n\n\nX\n\n\n\nX\n\n\n\nX\n\n\n\nMortgage Training and Compliance, LLC ID\\#: 1400209\n\n\n\n2532 Oakcrest Drive Neenah, WI 54956 920-540-3884\n\n http://www.TheMtgTrainer.com\n\n\n\nX\n\n\n\n \n\n\n\n \n\n\n\nX\n\n\n\nX\n\n\n\n \n\n\n\nMortgagePros, LLC ID\\#: 1405115\n\n\n\n880 West Long Lake Road Suite 300 Troy, MI 48098 248-416-1361\n\n www.mtgpros.com\n\n\n\nX\n\n\n\n \n\n\n\n \n\n\n\n \n\n\n\n \n\n\n\n \n\n\n\nMy Career In Housing ID\\#: 1405098\n\n\n\n380 Whittier Ave Dunellen, NJ 08812 732-718-0973\n\n mycareerinhousing.com\n\n\n\n \n\n\n\nX\n\n\n\n \n\n\n\n \n\n\n\n \n\n\n\n \n\n\n\nMy Mortgage Trainer ID\\#: 1400080\n\n\n\n8420 Masters Rd. Indianapolis, IN 46250 317-566-0425\n\n http://www.MyMortgageTrainer.com\n\n\n\n \n\n\n\n \n\n\n\n \n\n\n\nX\n\n\n\nX\n\n\n\nX\n\n\n\nNational Association of Mortgage Brokers ID\\#: 1400224\n\n\n\n3531 N Pantano Rd Tucson, AZ 85750 202-434-8250\n\n http://www.namb.org\n\n\n\n \n\n\n\n \n\n\n\n \n\n\n\nX\n\n\n\nX\n\n\n\n \n\n\n\nNational Mortgage Learning Institute, LLC ID\\#: 1405057\n\n\n\n21 Ross Court Loudonville, NY 12211 518-925-4443\n\n www.nmlitraining.com\n\n\n\n \n\n\n\n \n\n\n\n \n\n\n\nX\n\n\n\n \n\n\n\n \n\n\n\nNational Mortgage School, Inc. ID\\#: 1400507\n\n\n\n3501-B N Ponce De Leon Blvd Suite \\# 271 St Augustine, FL 32084 800-826-5170\n\n http://NationalMortgageSchool.com\n\n\n\n \n\n\n\n \n\n\n\nX\n\n\n\n \n\n\n\n \n\n\n\n \n\n\n\nNew York Association of Mortgage Brokers ID\\#: 1400060\n\n\n\n180 East Prospect Ave. = Mamaroneck, NY 10543 914-315-6644\n\n http://www.nyamb.org\n\n\n\n \n\n\n\n \n\n\n\n \n\n\n\nX\n\n\n\n \n\n\n\n \n\n\n\nNew York Real Estate Institute ID\\#: 1400284\n\n\n\n132 West 36th Street 2nd floor New York, NY 10018 212-967-7508\n\n http://www.nyrei.com\n\n\n\n \n\n\n\n \n\n\n\n \n\n\n\nX\n\n\n\n \n\n\n\n \n\n\n\nNewDay Financial LLC DBA: NewDay USA ID\\#: 1400011\n\n\n\n360 South Rosemary Ave Suite 1900 West Palm Beach , FL 33041 877-423-1400\n\n http://www.newdayusa.com\n\n\n\nX\n\n\n\nX\n\n\n\n \n\n\n\n \n\n\n\n \n\n\n\n \n\n\n\nNext Level Education, LLC DBA: Next Level Education ID\\#: 1405112",
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      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_courseProviders\\mlo_testing_hbk_courseProviders.md",
      "headings": [
        "NMLS Approved Course Provider List {#mlo_testing_hbk_courseProviders .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_courseProviders/mlo_testing_hbk_courseProviders.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_courseProviders/mlo_testing_hbk_courseProviders.md:chunk-7",
      "title": "NMLS Approved Course Provider List {#mlo_testing_hbk_courseProviders .concept}",
      "content": "\n360 South Rosemary Ave Suite 1900 West Palm Beach , FL 33041 877-423-1400\n\n http://www.newdayusa.com\n\n\n\nX\n\n\n\nX\n\n\n\n \n\n\n\n \n\n\n\n \n\n\n\n \n\n\n\nNext Level Education, LLC DBA: Next Level Education ID\\#: 1405112\n\n\n\n525 Drummond Street Franklin, TN 37064 615-282-1830\n\n www.nextleveled.com\n\n\n\nX\n\n\n\nX\n\n\n\n \n\n\n\nX\n\n\n\nX\n\n\n\nX\n\n\n\nOCL Financial Services LLC DBA: OnCourse LearningID\\#: 1400013\n\n\n\n399 S Spring Ave St. Louis, MO 63110 866-512-9888\n\n http://www.oncourselearning.com\n\n\n\nX\n\n\n\nX\n\n\n\nX\n\n\n\nX\n\n\n\nX\n\n\n\nX\n\n\n\nOnlineEd ID\\#: 1400327\n\n\n\n14355 SW Allen Blvd Suite 240 Beaverton, OR 97005 503-670-9278\n\n https://www.onlineed.com\n\n\n\n \n\n\n\n \n\n\n\nX\n\n\n\n \n\n\n\n \n\n\n\nX\n\n\n\nPower Training DBA: Power Training ID\\#: 1400059\n\n\n\n10921 PRESTON TRAILS DR AUSTIN, TX 78747 512-451-9112\n\n http://www.powertraininginc.com\n\n\n\n \n\n\n\n \n\n\n\n \n\n\n\nX\n\n\n\nX\n\n\n\n \n\n\n\nProEducate ID\\#: 1400037\n\n\n\n4200 S. I-10 Service Rd., W. Suite 134 Metairie, LA 70001 504-454-9866\n\n http://www.ProEducate.com\n\n\n\n \n\n\n\n \n\n\n\nX\n\n\n\n \n\n\n\n \n\n\n\nX\n\n\n\nReal Estate Education Center DBA: REEDC NYC ID\\#: 1400377\n\n\n\n136-18 39th Ave Suite 701 Flushing, NY 11354 212-465-1008\n\n http://www.reedc.com\n\n\n\nX\n\n\n\nX\n\n\n\n \n\n\n\n \n\n\n\nX\n\n\n\n \n\n\n\nReal Estate Trainers, Inc. DBA: Real Estate Trainers, Inc. ID\\#: 1400593\n\n\n\n2121 Towne Centre Place Suite 100 Anaheim, CA 92806 714-972-2211\n\n http://www.retrainersca.com\n\n\n\nX\n\n\n\nX\n\n\n\n \n\n\n\nX\n\n\n\nX\n\n\n\n \n\n\n\nReal Estate U Online LLC DBA: RealEstateU ID\\#: 1405093\n\n\n\n100 SE 2nd Street Suite 2000 Miami, FL 33131 718-440-4142\n\n https://realestateu.com/\n\n\n\n \n\n\n\n \n\n\n\nX\n\n\n\n \n\n\n\n \n\n\n\nX\n\n\n\nRealty Publications Inc. DBA: firsttuesday ID\\#: 1400986\n\n\n\nP.O. Box 5707 Riverside, CA 92517 951-781-7300\n\n http://www.firsttuesday.us\n\n\n\n \n\n\n\n \n\n\n\n \n\n\n\n \n\n\n\n \n\n\n\nX\n\n\n\nRocket Mortgage, LLC DBA: Rocket Mortgage ID\\#: 1400784\n\n\n\n1050 Woodward Ave Detroit, MI 48226 248-767-3819\n\n http://www.rocketmortgage.com\n\n\n\nX\n\n\n\nX\n\n\n\nX\n\n\n\n \n\n\n\n \n\n\n\n \n\n\n\nRW Media, LLC DBA: SmartMLOs.com ID\\#: 1405061\n\n\n\n1630 Bayard Avenue Saint Paul, MN 55116 612-441-0543\n\n smartmlos.com\n\n\n\n \n\n\n",
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      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_courseProviders\\mlo_testing_hbk_courseProviders.md",
      "headings": [
        "NMLS Approved Course Provider List {#mlo_testing_hbk_courseProviders .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_courseProviders/mlo_testing_hbk_courseProviders.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_courseProviders/mlo_testing_hbk_courseProviders.md:chunk-8",
      "title": "NMLS Approved Course Provider List {#mlo_testing_hbk_courseProviders .concept}",
      "content": "767-3819\n\n http://www.rocketmortgage.com\n\n\n\nX\n\n\n\nX\n\n\n\nX\n\n\n\n \n\n\n\n \n\n\n\n \n\n\n\nRW Media, LLC DBA: SmartMLOs.com ID\\#: 1405061\n\n\n\n1630 Bayard Avenue Saint Paul, MN 55116 612-441-0543\n\n smartmlos.com\n\n\n\n \n\n\n\n \n\n\n\nX\n\n\n\n \n\n\n\n \n\n\n\nX\n\n\n\nSC Department of Consumer Affairs ID\\#: 1405118\n\n\n\n293 Greystone Blvd. Suite 400 Columbia, SC 29210 800-922-1594\n\n\n\n \n\n\n\n \n\n\n\n \n\n\n\n \n\n\n\nX\n\n\n\n \n\n\n\nSoutheast Mortgage Of Georgia, Inc. ID\\#: 1405038\n\n\n\n3575 Koger Blvd Suite 400 Duluth, GA 30096 770-279-0222\n\n\n\n \n\n\n\n \n\n\n\n \n\n\n\nX\n\n\n\nX\n\n\n\n \n\n\n\nTennessee Mortgage Bankers Association DBA: Tennessee Mortgage Bankers Association ID\\#: 1405071\n\n\n\n1661 Aaron Brenner Dr., Ste. 201 Memphis, TN 38120 901-321-6739\n\n www.tnmba.org\n\n\n\nX\n\n\n\n \n\n\n\n \n\n\n\nX\n\n\n\n \n\n\n\n \n\n\n\nThe CE Shop ID\\#: 1405076\n\n\n\n5670 Greenwood Plaza Blvd. Suite 340W GREENWOOD VILLAGE, CO 80111 888-850-0955\n\n www.theceshop.com\n\n\n\nX\n\n\n\nX\n\n\n\nX\n\n\n\nX\n\n\n\nX\n\n\n\nX\n\n\n\nThe Dares Institute, LLC ID\\#: 1400078\n\n\n\n33 Railroad Row 4th floor White River Junction, VT 05001 203-318-1133\n\n http://www.dares1.com\n\n\n\n \n\n\n\n \n\n\n\n \n\n\n\n \n\n\n\nX\n\n\n\n \n\n\n\nThe Training Academy ID\\#: 1405028\n\n\n\n17111 Beach Blvd. Suite 206 huntington Beach, CA 92647 949-678-0681\n\n\n\n \n\n\n\n \n\n\n\n \n\n\n\n \n\n\n\nX\n\n\n\n \n\n\n\nTM Asset Management, LLC DBA: Tap Money InstituteID\\#: 1405067\n\n\n\n3941 Holcomb Bridge Rd Ste 101-B Peachtree Corners, GA 30092 404-445-3333\n\n www.tapmoneyonline.com www.tapmoneyinstitute.com\n\n\n\nX\n\n\n\n \n\n\n\n \n\n\n\n \n\n\n\n \n\n\n\n \n\n\n\nULTD, LLC DBA: Ultd Education ID\\#: 1405070\n\n\n\n2112 Baltusrol Drive Austin, TX 78747 512-472-1095\n\n ultdeducation.com\n\n\n\n \n\n\n\n \n\n\n\n \n\n\n\nX\n\n\n\nX\n\n\n\n \n\n\n\nVanderbilt Mortgage and Finance, Inc. DBA: Silverton MortgageID\\#: 1405079\n\n\n\nP.O. Box 9800 Maryville, TN 37802 865-380-3000\n\n N/A\n\n\n\n \n\n\n\n \n\n\n\n \n\n\n\nX\n\n\n\nX\n\n\n\n \n\n\n**Parent topic:**Complete NMLS Approved Courses",
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      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_courseProviders\\mlo_testing_hbk_courseProviders.md",
      "headings": [
        "NMLS Approved Course Provider List {#mlo_testing_hbk_courseProviders .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_courseProviders/mlo_testing_hbk_courseProviders.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_courseProviders/mlo_testing_hbk_lateCE_24HourEduLLC.md:chunk-0",
      "title": "24hourEDU LLC {#xd_55f3d7fdddbe7a39-3ddb18e1-19af8cc22fb--7ffb .reference}",
      "content": "# 24hourEDU LLC \n\nProvider Number: 1405107\n\nWeb Address: www.24houredu.com\n\n1255 Scheuring Road, DePere, WI 54115\n\n|Course ID|Provider ID|Name|Instruction Method|Category|\n|---------|-----------|----|------------------|--------|\n|18047|1405107|Late CE 8 Hour SAFE Comprehensive: 2025 MLO CE \\(17728\\)|Online Self-Study|CE Comprehensive|\n|18048|1405107|Late CE 8 Hour FL SAFE Comprehensive: 2025 Florida MLO CE \\(17729\\)|Online Self-Study|CE Comprehensive|\n|18049|1405107|Late CE 8 Hour CA-DFPI SAFE Comprehensive: 2025 California MLO CE \\(17777\\)|Online Self-Study|CE Comprehensive|\n\n**Parent topic:**Late CE Course Catalog\n\n**Related information**  \n\n1 Stop Training, Inc. DBA: MortgageEducation.com\n\n123CE Inc\n\nAAA Mortgage Training\n\nAmeritrain Mortgage Institute\n\nAt Your Pace Online, LLC\n\nBroker Knowledge Group DBA: The Knowledge Coop\n\nCape School Inc.\n\nCatalyst Mortgage Solutions\n\nChampions School of Real Estate\n\nDiehl & Associates, Inc.\n\nJim Montrym's National MLO School\n\nMaxClass LLC\n\nMortgage Educators and Compliance\n\nOCL Financial Services LLC DBA: OnCourse Learning\n\nOnlineEd\n\nRealty Publications Inc. DBA: First Tuesday\n\nThe CE Shop",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_courseProviders\\mlo_testing_hbk_lateCE_24HourEduLLC.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_courseProviders\\mlo_testing_hbk_lateCE_24HourEduLLC.md",
      "headings": [
        "24hourEDU LLC {#xd_55f3d7fdddbe7a39-3ddb18e1-19af8cc22fb--7ffb .reference}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_courseProviders/mlo_testing_hbk_lateCE_24HourEduLLC.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_courseProviders/mlo_testing_hbk_lateCE_AAA.md:chunk-0",
      "title": "AAA Mortgage Training {#xd_32dd3e1ef42e96ae-81b8e2c-191421441e5--7ffa .reference}",
      "content": "# AAA Mortgage Training \n\nProvider Number: 1400980\n\nWeb Address: www.AAAMortgageTraining.com\n\n28897 Anthony Road, Atlanta, IN 46031\n\n|Course ID|Provider ID|Name|Instruction Method|Category|\n|---------|-----------|----|------------------|--------|\n|18184|1400980|Late CE 1 Hour SAFE: Anti-Money Laundering, SARS and More Online Multi-media CE Course \\(17167\\)|Online Self-Study|CE Elective|\n|18185|1400980|Late CE 1 Hour MD SAFE: Maryland MLO Renewal Online Multi-media CE Course \\(17681\\)|Online Self-Study|CE Elective|\n|18186|1400980|Late CE 1 Hour MN SAFE: Minnesota MLO Renewal Online Multi-media CE Course \\(17682\\)|Online Self-Study|CE Elective|\n|18187|1400980|Late CE 1 Hour AZ SAFE: Arizona MLO Renewal Online Multi-media CE Course \\(17766\\)|Online Self-Study|CE Elective|\n|18188|1400980|Late CE 1 Hour PA SAFE: Pennsylvania MLO Renewal Online Multi-media CE Course \\(17715\\)|Online Self-Study|CE Elective|\n|18189|1400980|Late CE 3 Hour NY SAFE: New York MLO Renewal Online Multi-media CE Course \\(17679\\)|Online Self-Study|CE Elective|\n|18190|1400980|Late CE 1 Hour WA SAFE: Washington MLO Renewal Online Multi-media CE Course \\(17657\\)|Online Self-Study|CE Elective|\n|18191|1400980|Late CE 2 Hour OR SAFE: Oregon MLO Renewal Online Multi-media CE Course \\(17701\\)|Online Self-Study|CE Elective|\n|18192|1400980|Late CE 2 Hour NJ SAFE: New Jersey MLO Renewal Online Multi-media CE Course \\(17700\\)|Online Self-Study|CE Elective|\n|18193|1400980|Late CE 1 Hour NC SAFE: North Carolina MLO Renewal Online Multi-media CE Course \\(17680\\)|Online Self-Study|CE Elective|\n|18194|1400980|Late CE 1 Hour CA-DFPI SAFE: California MLO Renewal Online Multi-media CE Course \\(17698\\)|Online Self-Study|CE Elective|\n|18195|1400980|Late CE 1 Hour FL SAFE: Florida MLO Renewal Online Multi-media CE Course \\(17697\\)|Online Self-Study|CE Elective|\n|18196|1400980|Late CE 7 Hour SAFE Core: MLO Online CE License Renewal \\(17601\\)|Online Self-Study|CE Core|\n|18253|1400980|Late CE 1 Hour GA SAFE: Georgia MLO Ren",
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      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_courseProviders\\mlo_testing_hbk_lateCE_AAA.md",
      "headings": [
        "AAA Mortgage Training {#xd_32dd3e1ef42e96ae-81b8e2c-191421441e5--7ffa .reference}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_courseProviders/mlo_testing_hbk_lateCE_AAA.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_courseProviders/mlo_testing_hbk_lateCE_AAA.md:chunk-1",
      "title": "AAA Mortgage Training {#xd_32dd3e1ef42e96ae-81b8e2c-191421441e5--7ffa .reference}",
      "content": "7697\\)|Online Self-Study|CE Elective|\n|18196|1400980|Late CE 7 Hour SAFE Core: MLO Online CE License Renewal \\(17601\\)|Online Self-Study|CE Core|\n|18253|1400980|Late CE 1 Hour GA SAFE: Georgia MLO Renewal Online Multi-media CE Course \\(17699\\)|Online Self-Study|CE Elective|\n|18313|1400980|Late CE 1 Hour KY SAFE: Kentucky MLO Renewal Online Multi-media CE Course \\(17713\\)|Online Self-Study|CE Elective|\n\n**Parent topic:**Late CE Course Catalog\n\n**Related information**  \n\n1 Stop Training, Inc. DBA: MortgageEducation.com\n\n123CE Inc\n\n24hourEDU LLC\n\nAmeritrain Mortgage Institute\n\nAt Your Pace Online, LLC\n\nBroker Knowledge Group DBA: The Knowledge Coop\n\nCape School Inc.\n\nCatalyst Mortgage Solutions\n\nChampions School of Real Estate\n\nDiehl & Associates, Inc.\n\nJim Montrym's National MLO School\n\nMaxClass LLC\n\nMortgage Educators and Compliance\n\nOCL Financial Services LLC DBA: OnCourse Learning\n\nOnlineEd\n\nRealty Publications Inc. DBA: First Tuesday\n\nThe CE Shop",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_courseProviders\\mlo_testing_hbk_lateCE_AAA.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_courseProviders\\mlo_testing_hbk_lateCE_AAA.md",
      "headings": [
        "AAA Mortgage Training {#xd_32dd3e1ef42e96ae-81b8e2c-191421441e5--7ffa .reference}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_courseProviders/mlo_testing_hbk_lateCE_AAA.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_courseProviders/mlo_testing_hbk_lateCE_AmeriTrain.md:chunk-0",
      "title": "Ameritrain Mortgage Institute {#xd_32dd3e1ef42e96ae-81b8e2c-191421441e5--7ff9 .reference}",
      "content": "# Ameritrain Mortgage Institute \n\nProvider Number: 1400015\n\nWeb Address: http://www.ameritrain.com\n\n115 Perimeter Center Place, Atlanta, GA 30346\n\n|Course ID|Provider ID|Name|Instruction Method|Category|\n|---------|-----------|----|------------------|--------|\n|18054|1400015|Late CE 7 Hour SAFE Core: Mortgages in 2025 \\(17247\\)|Online Self-Study|CE Core|\n|18055|1400015|Late CE 1 Hour SAFE: Data Spotlight - The Impact of Changing Mortgage Interest Rates \\(17248\\)|Online Self-Study|CE Elective|\n|18056|1400015|Late CE 1 Hour GA SAFE: Georgia Fraud, Laws, and Updates \\(17209\\)|Online Self-Study|CE Elective|\n|18057|1400015|Late CE 1 Hour AZ SAFE: Arizona Laws and Updates \\(17153\\)|Online Self-Study|CE Elective|\n|18058|1400015|Late CE 1 Hour CA-DFPI SAFE: California Mortgage Law \\(17154\\)|Online Self-Study|CE Elective|\n|18059|1400015|Late CE 1 Hour CT SAFE: Connecticut Laws and Updates \\(17155\\)|Online Self-Study|CE Elective|\n|18060|1400015|Late CE 1 Hour DC SAFE: District of Columbia Laws and Updates \\(17156\\)|Online Self-Study|CE Elective|\n|18061|1400015|Late CE 1 Hour FL SAFE: Florida Laws and Updates \\(17210\\)|Online Self-Study|CE Elective|\n|18062|1400015|Late CE 1 Hour HI SAFE: Hawaii Laws and Updates \\(17211\\)|Online Self-Study|CE Elective|\n|18063|1400015|Late CE 1 Hour ID SAFE: Idaho Laws and Updates \\(17212\\)|Online Self-Study|CE Elective|\n|18064|1400015|Late CE 1 Hour KY SAFE: Kentucky Laws and Updates \\(17288\\)|Online Self-Study|CE Elective|\n|18065|1400015|Late CE 1 Hour MA SAFE: Massachusetts Laws and Updates \\(17213\\)|Online Self-Study|CE Elective|\n|18066|1400015|Late CE 1 Hour MD SAFE: Maryland Laws and Updates \\(17214\\)|Online Self-Study|CE Elective|\n|18067|1400015|Late CE 1 Hour MN SAFE: Minnesota Laws and Updates \\(17260\\)|Online Self-Study|CE Elective|\n|18068|1400015|Late CE 1 Hour MO SAFE: Missouri Laws and Updates \\(17292\\)|Online Self-Study|CE Elective|\n|18069|1400015|Late CE 1 Hour NC SAFE: North Carolina Laws and Updates \\(17291\\)|Online Self-Study|C",
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      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_courseProviders\\mlo_testing_hbk_lateCE_AmeriTrain.md",
      "headings": [
        "Ameritrain Mortgage Institute {#xd_32dd3e1ef42e96ae-81b8e2c-191421441e5--7ff9 .reference}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_courseProviders/mlo_testing_hbk_lateCE_AmeriTrain.html",
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    {
      "id": "maps/NMLS/education/mlo_testing/mlo_courseProviders/mlo_testing_hbk_lateCE_AmeriTrain.md:chunk-1",
      "title": "Ameritrain Mortgage Institute {#xd_32dd3e1ef42e96ae-81b8e2c-191421441e5--7ff9 .reference}",
      "content": "|1400015|Late CE 1 Hour MO SAFE: Missouri Laws and Updates \\(17292\\)|Online Self-Study|CE Elective|\n|18069|1400015|Late CE 1 Hour NC SAFE: North Carolina Laws and Updates \\(17291\\)|Online Self-Study|CE Elective|\n|18070|1400015|Late CE 2 Hour NJ SAFE: New Jersey Laws and Updates \\(17324\\)|Online Self-Study|CE Elective|\n|18071|1400015|Late CE 1 Hour NM SAFE: New Mexico Laws and Updates \\(17318\\)|Online Self-Study|CE Elective|\n|18072|1400015|Late CE 3 Hour NY SAFE: New York Laws and Updates \\(17313\\)|Online Self-Study|CE Elective|\n|18073|1400015|Late CE 1 Hour NV SAFE: Nevada Laws and Updates \\(17362\\)|Online Self-Study|CE Elective|\n|18074|1400015|Late CE 2 Hour OR SAFE: Oregon Laws and Updates \\(17361\\)|Online Self-Study|CE Elective|\n|18075|1400015|Late CE 1 Hour PA SAFE: Pennsylvania Laws and Updates \\(17439\\)|Online Self-Study|CE Elective|\n|18076|1400015|Late CE 1 Hour RI SAFE: Rhode Island Laws and Updates \\(17440\\)|Online Self-Study|CE Elective|\n|18077|1400015|Late CE 1 Hour SC-BFI SAFE: South Carolina Laws and Updates \\(17441\\)|Online Self-Study|CE Elective|\n|18078|1400015|Late CE 1 Hour SC-DCA SAFE: South Carolina Laws and Updates \\(17442\\)|Online Self-Study|CE Elective|\n|18180|1400015|Late CE 1 Hour UT-DRE SAFE: Utah Laws and Updates \\(17457\\)|Online Self-Study|CE Elective|\n|18181|1400015|Late CE 1 Hour WA SAFE: Washington Laws and Updates \\(17436\\)|Online Self-Study|CE Elective|\n|18182|1400015|Late CE 2 Hour WV SAFE: West Virginia Laws and Updates \\(17437\\)|Online Self-Study|CE Elective|\n\n**Parent topic:**Late CE Course Catalog\n\n**Related information**  \n\n1 Stop Training, Inc. DBA: MortgageEducation.com\n\n123CE Inc\n\n24hourEDU LLC\n\nAAA Mortgage Training\n\nAt Your Pace Online, LLC\n\nBroker Knowledge Group DBA: The Knowledge Coop\n\nCape School Inc.\n\nCatalyst Mortgage Solutions\n\nChampions School of Real Estate\n\nDiehl & Associates, Inc.\n\nJim Montrym's National MLO School\n\nMaxClass LLC\n\nMortgage Educators and Compliance\n\nOCL Financial Services LLC DBA: OnCourse Learning",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_courseProviders\\mlo_testing_hbk_lateCE_AmeriTrain.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_courseProviders\\mlo_testing_hbk_lateCE_AmeriTrain.md",
      "headings": [
        "Ameritrain Mortgage Institute {#xd_32dd3e1ef42e96ae-81b8e2c-191421441e5--7ff9 .reference}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_courseProviders/mlo_testing_hbk_lateCE_AmeriTrain.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_courseProviders/mlo_testing_hbk_lateCE_AmeriTrain.md:chunk-2",
      "title": "Ameritrain Mortgage Institute {#xd_32dd3e1ef42e96ae-81b8e2c-191421441e5--7ff9 .reference}",
      "content": "utions\n\nChampions School of Real Estate\n\nDiehl & Associates, Inc.\n\nJim Montrym's National MLO School\n\nMaxClass LLC\n\nMortgage Educators and Compliance\n\nOCL Financial Services LLC DBA: OnCourse Learning\n\nOnlineEd\n\nRealty Publications Inc. DBA: First Tuesday\n\nThe CE Shop",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_courseProviders\\mlo_testing_hbk_lateCE_AmeriTrain.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_courseProviders\\mlo_testing_hbk_lateCE_AmeriTrain.md",
      "headings": [
        "Ameritrain Mortgage Institute {#xd_32dd3e1ef42e96ae-81b8e2c-191421441e5--7ff9 .reference}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_courseProviders/mlo_testing_hbk_lateCE_AmeriTrain.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_courseProviders/mlo_testing_hbk_lateCE_CEshop.md:chunk-0",
      "title": "The CE Shop {#xd_32dd3e1ef42e96ae-81b8e2c-191421441e5--7fed .reference}",
      "content": "# The CE Shop \n\nProvider Number: 1405070\n\nWeb Address: www.theceshop.com\n\n5670 Greenwood Plaza Blvd., Greenwood Village, CO 80111\n\n|Course ID|Provider ID|Name|Instruction Method|Category|\n|---------|-----------|----|------------------|--------|\n|17999|1405076|Late CE 7 Hour SAFE Core: 2025 Mortgage Loan Originator Course \\(16509\\)|Online Self-Study|CE Core|\n|18000|1405076|Late CE 8 Hour SAFE Comprehensive: 2025 Mortgage Loan Originator Course \\(16510\\)|Online Self-Study|CE Comprehensive|\n|18001|1405076|Late CE 1 Hour AZ SAFE: 2025 Arizona Law Review Course \\(16665\\)|Online Self-Study|CE Elective|\n|18002|1405076|Late CE 1 Hour CA-DFPI SAFE: 2025 California Law Review Course \\(16668\\)|Online Self-Study|CE Elective|\n|18003|1405076|Late CE 1 Hour CT SAFE: 2025 Connecticut Law Review Course \\(17092\\)|Online Self-Study|CE Elective|\n|18004|1405076|Late CE 1 Hour DC SAFE: 2025 DC Law Review Course \\(16993\\)|Online Self-Study|CE Elective|\n|18005|1405076|Late CE 1 Hour FL SAFE: 2025 Florida Law Review Course \\(16668\\)|Online Self-Study|CE Elective|\n|18006|1405076|Late CE 1 Hour GA SAFE: 2025 Georgia Law Review Course \\(16994\\)|Online Self-Study|CE Elective|\n|18007|1405076|Late CE 1 Hour HI SAFE: 2025 Hawaii Law Review Course \\(17195\\)|Online Self-Study|CE Elective|\n|18008|1405076|Late CE 1 Hour ID SAFE: 2025 Idaho Law Review Course \\(17196\\)|Online Self-Study|CE Elective|\n|18009|1405076|Late CE 1 Hour KY SAFE: 2025 Kentucky Law Review Course \\(17093\\)|Online Self-Study|CE Elective|\n|18010|1405076|Late CE 1 Hour MA SAFE: 2025 Massachusetts Law Review Course \\(17197\\)|Online Self-Study|CE Elective|\n|18011|1405076|Late CE 1 Hour MD SAFE: 2025 Maryland Law Review Course \\(17198\\)|Online Self-Study|CE Elective|\n|18012|1405076|Late CE 1 Hour MN SAFE: 2025 Minnesota Law Review Course \\(17199\\)|Online Self-Study|CE Elective|\n|18013|1405076|Late CE 1 Hour MO SAFE: 2025 Missouri Law Review Course \\(17200\\)|Online Self-Study|CE Elective|\n|18014|1405076|Late CE 1 Hour NC SAFE: 2025 North",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_courseProviders\\mlo_testing_hbk_lateCE_CEshop.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_courseProviders\\mlo_testing_hbk_lateCE_CEshop.md",
      "headings": [
        "The CE Shop {#xd_32dd3e1ef42e96ae-81b8e2c-191421441e5--7fed .reference}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_courseProviders/mlo_testing_hbk_lateCE_CEshop.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_courseProviders/mlo_testing_hbk_lateCE_CEshop.md:chunk-1",
      "title": "The CE Shop {#xd_32dd3e1ef42e96ae-81b8e2c-191421441e5--7fed .reference}",
      "content": "17199\\)|Online Self-Study|CE Elective|\n|18013|1405076|Late CE 1 Hour MO SAFE: 2025 Missouri Law Review Course \\(17200\\)|Online Self-Study|CE Elective|\n|18014|1405076|Late CE 1 Hour NC SAFE: 2025 North Carolina Law Review Course \\(16972\\)|Online Self-Study|CE Elective|\n|18015|1405076|Late CE 2 Hour NJ SAFE: 2025 New Jersey Law Review Course \\(17095\\)|Online Self-Study|CE Elective|\n|18016|1405076|Late CE 4 Hour NJ SAFE: 2025 Electives and New Jersey Law Review Course \\(17096\\)|Online Self-Study|CE Elective|\n|18017|1405076|Late CE 1 Hour NM SAFE: 2025 New Mexico Law Review Course \\(17201\\)|Online Self-Study|CE Elective|\n|18018|1405076|Late CE 1 Hour NV SAFE: 2025 Nevada Law Review Course for Qualified Employees|Online Self-Study|CE Elective|\n|18019|1405076|Late CE 3 Hour NY SAFE: 2025 New York Law Review Course \\(17094\\)|Online Self-Study|CE Elective|\n|18020|1405076|Late CE 2 Hour OR SAFE: 2025 Oregon Law Review Course \\(17202\\)|Online Self-Study|CE Elective|\n|18021|1405076|Late CE 1 Hour PA SAFE: 2025 Pennsylvania Law Review Course \\(17203\\)|Online Self-Study|CE Elective|\n|18022|1405076|Late CE 1 Hour RI SAFE: 2025 Rhode Island Law Review Course \\(17204\\)|Online Self-Study|CE Elective|\n|18023|1405076|Late CE 1 Hour SC-BFI SAFE: 2025 South Carolina Law Review Course \\(17205\\)|Online Self-Study|CE Elective|\n|18024|1405076|Late CE 1 Hour SC-DCA SAFE: 2025 South Carolina Law Review Course \\(17206\\)|Online Self-Study|CE Elective|\n|18025|1405076|Late CE 1 Hour UT-DRE SAFE: 2025 Utah Law Review Course \\(17146\\)|Online Self-Study|CE Elective|\n|18026|1405076|Late CE 1 Hour WA SAFE: 2025 Washington Law Review Course \\(17207\\)|Online Self-Study|CE Elective|\n|18027|1405076|Late CE 2 Hour WV SAFE: 2025 West Virginia Law Review Course \\(17208\\)|Online Self-Study|CE Elective|\n\n**Parent topic:**Late CE Course Catalog\n\n**Related information**  \n\n1 Stop Training, Inc. DBA: MortgageEducation.com\n\n123CE Inc\n\n24hourEDU LLC\n\nAAA Mortgage Training\n\nAmeritrain Mortgage Institute\n\nAt Your Pac",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_courseProviders\\mlo_testing_hbk_lateCE_CEshop.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_courseProviders\\mlo_testing_hbk_lateCE_CEshop.md",
      "headings": [
        "The CE Shop {#xd_32dd3e1ef42e96ae-81b8e2c-191421441e5--7fed .reference}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_courseProviders/mlo_testing_hbk_lateCE_CEshop.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_courseProviders/mlo_testing_hbk_lateCE_CEshop.md:chunk-2",
      "title": "The CE Shop {#xd_32dd3e1ef42e96ae-81b8e2c-191421441e5--7fed .reference}",
      "content": "topic:**Late CE Course Catalog\n\n**Related information**  \n\n1 Stop Training, Inc. DBA: MortgageEducation.com\n\n123CE Inc\n\n24hourEDU LLC\n\nAAA Mortgage Training\n\nAmeritrain Mortgage Institute\n\nAt Your Pace Online, LLC\n\nBroker Knowledge Group DBA: The Knowledge Coop\n\nCape School Inc.\n\nCatalyst Mortgage Solutions\n\nChampions School of Real Estate\n\nDiehl & Associates, Inc.\n\nJim Montrym's National MLO School\n\nMaxClass LLC\n\nMortgage Educators and Compliance\n\nOCL Financial Services LLC DBA: OnCourse Learning\n\nOnlineEd\n\nRealty Publications Inc. DBA: First Tuesday",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_courseProviders\\mlo_testing_hbk_lateCE_CEshop.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_courseProviders\\mlo_testing_hbk_lateCE_CEshop.md",
      "headings": [
        "The CE Shop {#xd_32dd3e1ef42e96ae-81b8e2c-191421441e5--7fed .reference}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_courseProviders/mlo_testing_hbk_lateCE_CEshop.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_courseProviders/mlo_testing_hbk_lateCE_atYourPaceOnline.md:chunk-0",
      "title": "At Your Pace Online, LLC {#xd_fe6ae44450b43c95-1952e05a-1957b7b6cd8--7ffd .reference}",
      "content": "# At Your Pace Online, LLC \n\nProvider ID: 1405040\n\nWebsite: https://www.ayporealestate.com/school/mlo-ce/\n\n225 East Robinson Street, Suite 570, Orlando, FL 32801\n\n|Course ID|Provider ID|Name|Instruction Method|Category|\n|---------|-----------|----|------------------|--------|\n|17942|1405040|Late CE 8 Hour SAFE Comprehensive: 2025 \\(17355\\)|Online Self-Study|CE Comprehensive|\n|17943|1405040|Late CE 7 Hour SAFE Core: 2025 \\(17354\\)|Online Self-Study|CE Core|\n|17944|1405040|Late CE 1 Hour AZ SAFE: 2025 State Law Course \\(17346\\)|Online Self-Study|CE Elective|\n|17945|1405040|Late CE 1 Hour CA-DFPI SAFE: 2025 State Law Course \\(17347\\)|Online Self-Study|CE Elective|\n|17946|1405040|Late CE 1 Hour FL SAFE: 2025 State Law Course CE \\(17348\\)|Online Self-Study|CE Elective|\n|17947|1405040|Late CE 4 Hour NJ SAFE: 2025 State Law Course \\(17349\\)|Online Self-Study|CE Elective|\n|17948|1405040|Late CE 1 Hour NV SAFE: 2025 State Law Course for QE CE \\(17350\\)|Online Self-Study|CE Elective|\n|17949|1405040|Late CE 3 Hour NY SAFE: 2025 State Law Course CE \\(17351\\)|Online Self-Study|CE Elective|\n|17950|1405040|Late CE 2 Hour OR SAFE: 2025 State Law Course \\(17352\\)|Online Self-Study|CE Elective|\n|17951|1405040|Late CE 1 Hour WA SAFE: 2025 State Law Course CE \\(17353\\)|Online Self-Study|CE Elective|\n\n**Parent topic:**Late CE Course Catalog\n\n**Related information**  \n\n1 Stop Training, Inc. DBA: MortgageEducation.com\n\n123CE Inc\n\n24hourEDU LLC\n\nAAA Mortgage Training\n\nAmeritrain Mortgage Institute\n\nBroker Knowledge Group DBA: The Knowledge Coop\n\nCape School Inc.\n\nCatalyst Mortgage Solutions\n\nChampions School of Real Estate\n\nDiehl & Associates, Inc.\n\nJim Montrym's National MLO School\n\nMaxClass LLC\n\nMortgage Educators and Compliance\n\nOCL Financial Services LLC DBA: OnCourse Learning\n\nOnlineEd\n\nRealty Publications Inc. DBA: First Tuesday\n\nThe CE Shop",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_courseProviders\\mlo_testing_hbk_lateCE_atYourPaceOnline.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_courseProviders\\mlo_testing_hbk_lateCE_atYourPaceOnline.md",
      "headings": [
        "At Your Pace Online, LLC {#xd_fe6ae44450b43c95-1952e05a-1957b7b6cd8--7ffd .reference}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_courseProviders/mlo_testing_hbk_lateCE_atYourPaceOnline.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_courseProviders/mlo_testing_hbk_lateCE_brokerKnowledgeGroup.md:chunk-0",
      "title": "Broker Knowledge Group DBA: The Knowledge Coop {#xd_fe6ae44450b43c95-1952e05a-1957b7b6cd8--7ffc .reference}",
      "content": "# Broker Knowledge Group DBA: The Knowledge Coop \n\nProvider ID: 14000023\n\nWebsite: http://knowledgecoop.com/\n\n1012 Washington St., Vancouver, WA 98660\n\n|Course ID|Provider ID|Name|Instruction Method|Category|\n|---------|-----------|----|------------------|--------|\n|18151|1400023|Late CE 1 Hour AZ SAFE: 2025 \\(17270\\)|Online Self-Study|CE Elective|\n|18152|1400023|Late CE 1 Hour CA-DFPI SAFE: 2025 \\(17304\\)|Online Self-Study|CE Elective|\n|18153|1400023|Late CE 1 Hour CT SAFE: 2025 \\(17128\\)|Online Self-Study|CE Elective|\n|18154|1400023|Late CE 1 Hour DC SAFE: 2025 \\(17132\\)|Online Self-Study|CE Elective|\n|18155|1400023|Late CE 1 Hour FL SAFE: 2025 \\(17305\\)|Online Self-Study|CE Elective|\n|18156|1400023|Late CE 1 Hour GA SAFE: 2025 \\(17323\\)|Online Self-Study|CE Elective|\n|18157|1400023|Late CE 1 Hour HI SAFE: 2025 \\(17332\\)|Online Self-Study|CE Elective|\n|18158|1400023|Late CE 1 Hour ID SAFE: 2025 \\(17121\\)|Online Self-Study|CE Elective|\n|18159|1400023|Late CE 1 Hour KY SAFE: 2025 \\(17122\\)|Online Self-Study|CE Elective|\n|18160|1400023|Late CE 1 Hour MA SAFE: 2025 \\(17268\\)|Online Self-Study|CE Elective|\n|18161|1400023|Late CE 1 Hour MD SAFE: 2025 \\(17269\\)|Online Self-Study|CE Elective|\n|18162|1400023|Late CE 1 Hour MN SAFE: 2025 \\(17120\\)|Online Self-Study|CE Elective|\n|18163|1400023|Late CE 1 Hour MO SAFE: 2025 \\(17125\\)|Online Self-Study|CE Elective|\n|18164|1400023|Late CE 1 Hour NC SAFE: 2025 \\(17126\\)|Online Self-Study|CE Elective|\n|18165|1400023|Late CE 2 Hour NJ SAFE: 2025 \\(17303\\)|Online Self-Study|CE Elective|\n|18166|1400023|Late CE 1 Hour NM SAFE: 2025 \\(17306\\)|Online Self-Study|CE Elective|\n|18167|1400023|Late CE 1 Hour NV SAFE: 2025 \\(17129\\)|Online Self-Study|CE Elective|\n|18168|1400023|Late CE 3 Hour NY SAFE: 2025 \\(17267\\)|Online Self-Study|CE Elective|\n|18169|1400023|Late CE 2 Hour OR SAFE: 2025 \\(17330\\)|Online Self-Study|CE Elective|\n|18170|1400023|Late CE 1 Hour PA SAFE: 2025 \\(17333\\)|Online Self-Study|CE Elective|\n|18171|1400023|Late CE 1 Hour",
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      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_courseProviders\\mlo_testing_hbk_lateCE_brokerKnowledgeGroup.md",
      "headings": [
        "Broker Knowledge Group DBA: The Knowledge Coop {#xd_fe6ae44450b43c95-1952e05a-1957b7b6cd8--7ffc .reference}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_courseProviders/mlo_testing_hbk_lateCE_brokerKnowledgeGroup.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_courseProviders/mlo_testing_hbk_lateCE_brokerKnowledgeGroup.md:chunk-1",
      "title": "Broker Knowledge Group DBA: The Knowledge Coop {#xd_fe6ae44450b43c95-1952e05a-1957b7b6cd8--7ffc .reference}",
      "content": "\n|18169|1400023|Late CE 2 Hour OR SAFE: 2025 \\(17330\\)|Online Self-Study|CE Elective|\n|18170|1400023|Late CE 1 Hour PA SAFE: 2025 \\(17333\\)|Online Self-Study|CE Elective|\n|18171|1400023|Late CE 1 Hour RI SAFE: 2025 \\(17307\\)|Online Self-Study|CE Elective|\n|18172|1400023|Late CE 1 Hour SC-BFI SAFE: 2025 \\(17123\\)|Online Self-Study|CE Elective|\n|18173|1400023|Late CE 1 Hour SC-DCA SAFE: 2025 \\(17124\\)|Online Self-Study|CE Elective|\n|18174|1400023|Late CE 1 Hour UT-DRE SAFE: 2025 \\(17331\\)|Online Self-Study|CE Elective|\n|18175|1400023|Late CE 1 Hour WA SAFE: 2025 \\(16663\\)|Online Self-Study|CE Elective|\n|18176|1400023|Late CE 2 Hour WV SAFE: 2025 \\(17266\\)|Online Self-Study|CE Elective|\n|18177|1400023|Late CE 8 Hour SAFE Comprehensive: 2025 \\(17322\\)|Online Self-Study|CE Comprehensive|\n|18178|1400023|Late CE 7 Hour SAFE Core: 2025 \\(17338\\)|Online Self-Study|CE Core|\n|18179|1400023|Late CE 1 Hour SAFE: 2025 \\(17339\\)|Online Self-Study|CE Elective|\n\n**Parent topic:**Late CE Course Catalog\n\n**Related information**  \n\n1 Stop Training, Inc. DBA: MortgageEducation.com\n\n123CE Inc\n\n24hourEDU LLC\n\nAAA Mortgage Training\n\nAmeritrain Mortgage Institute\n\nAt Your Pace Online, LLC\n\nCape School Inc.\n\nCatalyst Mortgage Solutions\n\nChampions School of Real Estate\n\nDiehl & Associates, Inc.\n\nJim Montrym's National MLO School\n\nMaxClass LLC\n\nMortgage Educators and Compliance\n\nOCL Financial Services LLC DBA: OnCourse Learning\n\nOnlineEd\n\nRealty Publications Inc. DBA: First Tuesday\n\nThe CE Shop",
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      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_courseProviders\\mlo_testing_hbk_lateCE_brokerKnowledgeGroup.md",
      "headings": [
        "Broker Knowledge Group DBA: The Knowledge Coop {#xd_fe6ae44450b43c95-1952e05a-1957b7b6cd8--7ffc .reference}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_courseProviders/mlo_testing_hbk_lateCE_brokerKnowledgeGroup.html",
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    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_courseProviders/mlo_testing_hbk_lateCE_capeSchool.md:chunk-0",
      "title": "Cape School Inc. {#xd_32dd3e1ef42e96ae-81b8e2c-191421441e5--7ff8 .reference}",
      "content": "# Cape School Inc. \n\nProvider Number: 1400105\n\nWeb Address: www.capeschool.com\n\nPO Box 169, Buckingham, VA 23921\n\n|Course ID|Provider ID|Name|Instruction Method|Category|\n|---------|-----------|----|------------------|--------|\n|17941|1400105|Late CE 8 Hour SAFE Comprehensive: Mortgage Compliance: Hot-Topic Issues and On-Going Concerns \\(17499\\)|Online Self-Study|CE Comprehensive|\n\n**Parent topic:**Late CE Course Catalog\n\n**Related information**  \n\n1 Stop Training, Inc. DBA: MortgageEducation.com\n\n123CE Inc\n\n24hourEDU LLC\n\nAAA Mortgage Training\n\nAmeritrain Mortgage Institute\n\nAt Your Pace Online, LLC\n\nBroker Knowledge Group DBA: The Knowledge Coop\n\nCatalyst Mortgage Solutions\n\nChampions School of Real Estate\n\nDiehl & Associates, Inc.\n\nJim Montrym's National MLO School\n\nMaxClass LLC\n\nMortgage Educators and Compliance\n\nOCL Financial Services LLC DBA: OnCourse Learning\n\nOnlineEd\n\nRealty Publications Inc. DBA: First Tuesday\n\nThe CE Shop",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_courseProviders\\mlo_testing_hbk_lateCE_capeSchool.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_courseProviders\\mlo_testing_hbk_lateCE_capeSchool.md",
      "headings": [
        "Cape School Inc. {#xd_32dd3e1ef42e96ae-81b8e2c-191421441e5--7ff8 .reference}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_courseProviders/mlo_testing_hbk_lateCE_capeSchool.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_courseProviders/mlo_testing_hbk_lateCE_catalystMortgageSolution.md:chunk-0",
      "title": "Catalyst Mortgage Solutions {#xd_55f3d7fdddbe7a39-3ddb18e1-19af8cc22fb--7ff9 .reference}",
      "content": "# Catalyst Mortgage Solutions \n\nProvider Number: 1405109\n\nWeb Address: CatalystMortgageSolutions.com\n\n2834 Libal Street, Green Bay, WI 54301\n\n|Course ID|Provider ID|Name|Instruction Method|Category|\n|---------|-----------|----|------------------|--------|\n|18183|1405109|Late CE 8 Hour SAFE Comprehensive: Education Advantage \\(17551\\)|Classroom Equivalent|CE Comprehensive|\n\n**Parent topic:**Late CE Course Catalog\n\n**Related information**  \n\n1 Stop Training, Inc. DBA: MortgageEducation.com\n\n123CE Inc\n\n24hourEDU LLC\n\nAAA Mortgage Training\n\nAmeritrain Mortgage Institute\n\nAt Your Pace Online, LLC\n\nBroker Knowledge Group DBA: The Knowledge Coop\n\nCape School Inc.\n\nChampions School of Real Estate\n\nDiehl & Associates, Inc.\n\nJim Montrym's National MLO School\n\nMaxClass LLC\n\nMortgage Educators and Compliance\n\nOCL Financial Services LLC DBA: OnCourse Learning\n\nOnlineEd\n\nRealty Publications Inc. DBA: First Tuesday\n\nThe CE Shop",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_courseProviders\\mlo_testing_hbk_lateCE_catalystMortgageSolution.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_courseProviders\\mlo_testing_hbk_lateCE_catalystMortgageSolution.md",
      "headings": [
        "Catalyst Mortgage Solutions {#xd_55f3d7fdddbe7a39-3ddb18e1-19af8cc22fb--7ff9 .reference}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_courseProviders/mlo_testing_hbk_lateCE_catalystMortgageSolution.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_courseProviders/mlo_testing_hbk_lateCE_championSchool.md:chunk-0",
      "title": "Champions School of Real Estate {#xd_32dd3e1ef42e96ae-81b8e2c-191421441e5--7ff7 .reference}",
      "content": "# Champions School of Real Estate \n\nProvider Number: 1400073\n\nWeb Address: www.ChampionsSchool.com\n\n7302 N. Grand Parkway W., Spring, TX 77379\n\n|Course ID|Provider ID|Name|Instruction Method|Category|\n|---------|-----------|----|------------------|--------|\n|17911|1400073|Late CE 8 Hour SAFE Comprehensive: Compliance and Beyond \\(17623\\)|Online Self-Study|CE Comprehensive|\n\n**Parent topic:**Late CE Course Catalog\n\n**Related information**  \n\n1 Stop Training, Inc. DBA: MortgageEducation.com\n\n123CE Inc\n\n24hourEDU LLC\n\nAAA Mortgage Training\n\nAmeritrain Mortgage Institute\n\nAt Your Pace Online, LLC\n\nBroker Knowledge Group DBA: The Knowledge Coop\n\nCape School Inc.\n\nCatalyst Mortgage Solutions\n\nDiehl & Associates, Inc.\n\nJim Montrym's National MLO School\n\nMaxClass LLC\n\nMortgage Educators and Compliance\n\nOCL Financial Services LLC DBA: OnCourse Learning\n\nOnlineEd\n\nRealty Publications Inc. DBA: First Tuesday\n\nThe CE Shop",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_courseProviders\\mlo_testing_hbk_lateCE_championSchool.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_courseProviders\\mlo_testing_hbk_lateCE_championSchool.md",
      "headings": [
        "Champions School of Real Estate {#xd_32dd3e1ef42e96ae-81b8e2c-191421441e5--7ff7 .reference}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_courseProviders/mlo_testing_hbk_lateCE_championSchool.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_courseProviders/mlo_testing_hbk_lateCE_diehl.md:chunk-0",
      "title": "Diehl & Associates, Inc. {#xd_32dd3e1ef42e96ae-81b8e2c-191421441e5--7ff6 .reference}",
      "content": "# Diehl & Associates, Inc. \n\nProvider Number: 1400133\n\nWeb Address: www.diehleducation.com\n\nPO Box 208, Eden, NY 14057\n\n|Course ID|Provider ID|Name|Instruction Method|Category|\n|---------|-----------|----|------------------|--------|\n|17912|1400133|Late CE 1 Hour AZ SAFE: Arizona State Mortgage Law and Updates \\(17135\\)|Online Self-Study|CE Elective|\n|17913|1400133|Late CE 1 Hour CA-DFPI SAFE: California State Mortgage Law and Updates \\(17118\\)|Online Self-Study|CE Elective|\n|17914|1400133|Late CE 1 Hour CO SAFE: Colorado State Mortgage Law and Updates \\(16788\\)|Online Self-Study|CE Elective|\n|17915|1400133|Late CE 1 Hour CT SAFE: Connecticut State Mortgage Law and Updates \\(17301\\)|Online Self-Study|CE Elective|\n|17916|1400133|Late CE 1 Hour DC SAFE: District of Columbia Mortgage Law and Updates \\(17383\\)|Online Self-Study|CE Elective|\n|17917|1400133|Late CE 1 Hour FL SAFE: Florida State Mortgage Law and Updates \\(17117\\)|Online Self-Study|CE Elective|\n|17918|1400133|Late CE 1 Hour GA SAFE: Georgia State Mortgage Law and Updates \\(17119\\)|Online Self-Study|CE Elective|\n|17919|1400133|Late CE 1 Hour HI SAFE: Hawaii State Mortgage Law and Updates \\(17385\\)|Online Self-Study|CE Elective|\n|17920|1400133|Late CE 1 Hour ID SAFE: Idaho State Mortgage Law and Updates \\(17134\\)|Online Self-Study|CE Elective|\n|17921|1400133|Late CE 1 Hour KY SAFE: Kentucky State Mortgage Law and Updates \\(17133\\)|Online Self-Study|CE Elective|\n|17922|1400133|Late CE 1 Hour MD SAFE: Maryland State Mortgage Law and Updates \\(17253\\)|Online Self-Study|CE Elective|\n|17923|1400133|Late CE 1 Hour MA SAFE: Massachusetts State Mortgage Law and Updates \\(17254\\)|Online Self-Study|CE Elective|\n|17924|1400133|Late CE 1 Hour MN SAFE: Minnesota State Mortgage Law and Updates \\(17255\\)|Online Self-Study|CE Elective|\n|17925|1400133|Late CE 1 Hour MO SAFE: Missouri State Mortgage Law and Updates \\(17384\\)|Online Self-Study|CE Elective|\n|17926|1400133|Late CE 1 Hour NV SAFE: Nevada State Mortgage Law and Upd",
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      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_courseProviders\\mlo_testing_hbk_lateCE_diehl.md",
      "headings": [
        "Diehl & Associates, Inc. {#xd_32dd3e1ef42e96ae-81b8e2c-191421441e5--7ff6 .reference}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_courseProviders/mlo_testing_hbk_lateCE_diehl.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_courseProviders/mlo_testing_hbk_lateCE_diehl.md:chunk-1",
      "title": "Diehl & Associates, Inc. {#xd_32dd3e1ef42e96ae-81b8e2c-191421441e5--7ff6 .reference}",
      "content": "ective|\n|17925|1400133|Late CE 1 Hour MO SAFE: Missouri State Mortgage Law and Updates \\(17384\\)|Online Self-Study|CE Elective|\n|17926|1400133|Late CE 1 Hour NV SAFE: Nevada State Mortgage Law and Updates \\(17295\\)|Online Self-Study|CE Elective|\n|17927|1400133|Late CE 2 Hour NJ SAFE: New Jersey State Mortgage Law and Updates \\(17256\\)|Online Self-Study|CE Elective|\n|17928|1400133|Late CE 1 Hour NM SAFE: New Mexico State Mortgage Law and Updates \\(17302\\)|Online Self-Study|CE Elective|\n|17929|1400133|Late CE 3 Hour NY SAFE: New York State Mortgage Law and Updates \\(17386\\)|Online Self-Study|CE Elective|\n|17930|1400133|Late CE 2 Hour OR SAFE: Oregon State Mortgage Law and Updates \\(17294\\)|Online Self-Study|CE Elective|\n|17931|1400133|Late CE 1 Hour PA SAFE: Pennsylvania State Mortgage Law and Updates \\(17296\\)|Online Self-Study|CE Elective|\n|17932|1400133|Late CE 1 Hour RI SAFE: Rhode Island State Mortgage Law and Updates \\(17297\\)|Online Self-Study|CE Elective|\n|17933|1400133|Late CE 1 Hour SC-BFI SAFE: South Carolina State Mortgage Law and Updates \\(17158\\)|Online Self-Study|CE Elective|\n|17934|1400133|Late CE 1 Hour SC-DCA SAFE: South Carolina State Mortgage Law and Updates \\(17168\\)|Online Self-Study|CE Elective|\n|17935|1400133|Late CE 1 Hour UT-DRE SAFE: Utah State Mortgage Law and Updates \\(17299\\)|Online Self-Study|CE Elective|\n|17936|1400133|Late CE 1 Hour WA SAFE: Washington State Mortgage Law and Updates \\(17298\\)|Online Self-Study|CE Elective|\n|17937|1400133|Late CE 2 Hour WV SAFE: West Virginia State Mortgage Law and Updates \\(17387\\)|Online Self-Study|CE Elective|\n|17938|1400133|Late CE 1 Hour SAFE: The G.I. Bill: A Turning Point for Veterans \\(17432\\)|Online Self-Study|CE Elective|\n|17939|1400133|Late CE 7 Hour SAFE Core: Industry Updates for Mortgage Professionals \\(17431\\)|Online Self-Study|CE Core|\n|17940|1400133|Late CE 1 Hour NC SAFE: North Carolina State Mortgage Law and Updates \\(17157\\)|Online Self-Study|CE Elective|\n\n**Parent topic:**Late CE Co",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_courseProviders\\mlo_testing_hbk_lateCE_diehl.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_courseProviders\\mlo_testing_hbk_lateCE_diehl.md",
      "headings": [
        "Diehl & Associates, Inc. {#xd_32dd3e1ef42e96ae-81b8e2c-191421441e5--7ff6 .reference}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_courseProviders/mlo_testing_hbk_lateCE_diehl.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_courseProviders/mlo_testing_hbk_lateCE_diehl.md:chunk-2",
      "title": "Diehl & Associates, Inc. {#xd_32dd3e1ef42e96ae-81b8e2c-191421441e5--7ff6 .reference}",
      "content": "ssionals \\(17431\\)|Online Self-Study|CE Core|\n|17940|1400133|Late CE 1 Hour NC SAFE: North Carolina State Mortgage Law and Updates \\(17157\\)|Online Self-Study|CE Elective|\n\n**Parent topic:**Late CE Course Catalog\n\n**Related information**  \n\n1 Stop Training, Inc. DBA: MortgageEducation.com\n\n123CE Inc\n\n24hourEDU LLC\n\nAAA Mortgage Training\n\nAmeritrain Mortgage Institute\n\nAt Your Pace Online, LLC\n\nBroker Knowledge Group DBA: The Knowledge Coop\n\nCape School Inc.\n\nCatalyst Mortgage Solutions\n\nChampions School of Real Estate\n\nJim Montrym's National MLO School\n\nMaxClass LLC\n\nMortgage Educators and Compliance\n\nOCL Financial Services LLC DBA: OnCourse Learning\n\nOnlineEd\n\nRealty Publications Inc. DBA: First Tuesday\n\nThe CE Shop",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_courseProviders\\mlo_testing_hbk_lateCE_diehl.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_courseProviders\\mlo_testing_hbk_lateCE_diehl.md",
      "headings": [
        "Diehl & Associates, Inc. {#xd_32dd3e1ef42e96ae-81b8e2c-191421441e5--7ff6 .reference}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_courseProviders/mlo_testing_hbk_lateCE_diehl.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_courseProviders/mlo_testing_hbk_lateCE_firstTuesday.md:chunk-0",
      "title": "Realty Publications Inc. DBA: First Tuesday {#xd_32dd3e1ef42e96ae-81b8e2c-191421441e5--7fee .reference}",
      "content": "# Realty Publications Inc. DBA: First Tuesday \n\nProvider Number: 1400986\n\nWeb Address: www.firsttuesday.us\n\nP.O. Box 5707, Riverside, CA 92517\n\n|Course ID|Provider ID|Name|Instruction Method|Category|\n|---------|-----------|----|------------------|--------|\n|18046|1400986|Late CE 8 Hour CA-DFPI SAFE Comprehensive: 2025 NMLS Video Renewal Course \\(17149\\)|Online Self-Study|CE Comprehensive|\n\n**Parent topic:**Late CE Course Catalog\n\n**Related information**  \n\n1 Stop Training, Inc. DBA: MortgageEducation.com\n\n123CE Inc\n\n24hourEDU LLC\n\nAAA Mortgage Training\n\nAmeritrain Mortgage Institute\n\nAt Your Pace Online, LLC\n\nBroker Knowledge Group DBA: The Knowledge Coop\n\nCape School Inc.\n\nCatalyst Mortgage Solutions\n\nChampions School of Real Estate\n\nDiehl & Associates, Inc.\n\nJim Montrym's National MLO School\n\nMaxClass LLC\n\nMortgage Educators and Compliance\n\nOCL Financial Services LLC DBA: OnCourse Learning\n\nOnlineEd\n\nThe CE Shop",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_courseProviders\\mlo_testing_hbk_lateCE_firstTuesday.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_courseProviders\\mlo_testing_hbk_lateCE_firstTuesday.md",
      "headings": [
        "Realty Publications Inc. DBA: First Tuesday {#xd_32dd3e1ef42e96ae-81b8e2c-191421441e5--7fee .reference}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_courseProviders/mlo_testing_hbk_lateCE_firstTuesday.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_courseProviders/mlo_testing_hbk_lateCE_jimMontrym.md:chunk-0",
      "title": "Jim Montrym's National MLO School {#xd_32dd3e1ef42e96ae-81b8e2c-191421441e5--7ff4 .reference}",
      "content": "# Jim Montrym's National MLO School \n\nProvider Number: 1400075\n\nWeb Address: www.brokerschool.com\n\n3943 East Eden Roc Circle, Tampa, FL 33634\n\n|Course ID|Provider ID|Name|Instruction Method|Category|\n|---------|-----------|----|------------------|--------|\n|18053|1400075|Late CE 1 Hour FL SAFE: Mortgage Regulations and Updates \\(17685\\)|Online Self-Study|CE Elective|\n|18052|1400075|Late CE 2 Hour SAFE: Nontraditional: Mortgage Regulations and Updates \\(17684\\)|Online Self-Study|CE Nontraditional|\n|18051|1400075|Late CE 2 Hour SAFE: Ethics: Mortgage Regulations & Updates \\(17683\\)|Online Self-Study|CE Ethics|\n|18050|1400075|Late CE 3 Hour SAFE: Federal Laws: Mortgage Regulations and Updates \\(17710\\)|Online Self-Study|CE Federal Law & Regulations|\n\n**Parent topic:**Late CE Course Catalog\n\n**Related information**  \n\n1 Stop Training, Inc. DBA: MortgageEducation.com\n\n123CE Inc\n\n24hourEDU LLC\n\nAAA Mortgage Training\n\nAmeritrain Mortgage Institute\n\nAt Your Pace Online, LLC\n\nBroker Knowledge Group DBA: The Knowledge Coop\n\nCape School Inc.\n\nCatalyst Mortgage Solutions\n\nChampions School of Real Estate\n\nDiehl & Associates, Inc.\n\nMaxClass LLC\n\nMortgage Educators and Compliance\n\nOCL Financial Services LLC DBA: OnCourse Learning\n\nOnlineEd\n\nRealty Publications Inc. DBA: First Tuesday\n\nThe CE Shop",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_courseProviders\\mlo_testing_hbk_lateCE_jimMontrym.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_courseProviders\\mlo_testing_hbk_lateCE_jimMontrym.md",
      "headings": [
        "Jim Montrym's National MLO School {#xd_32dd3e1ef42e96ae-81b8e2c-191421441e5--7ff4 .reference}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_courseProviders/mlo_testing_hbk_lateCE_jimMontrym.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_courseProviders/mlo_testing_hbk_lateCE_maximumAcceleration.md:chunk-0",
      "title": "MaxClass LLC {#xd_fe6ae44450b43c95-1952e05a-1957b7b6cd8--7ffb .reference}",
      "content": "# MaxClass LLC \n\nProvider ID: 1405088\n\nWebsite: www.MaxClass.com\n\n413 East 620 South, American Fork, UT 84003\n\n|Course ID|Provider ID|Name|Instruction Method|Category|\n|---------|-----------|----|------------------|--------|\n|17952|1405088|Late CE 7 Hour SAFE Core: Continuing Education Course \\(17428\\)|Online Self-Study|CE Core|\n|17953|1405088|Late CE 1 Hour SAFE: Climate Change & The Mortgage Industry OSS \\(17164\\)|Online Self-Study|CE Elective|\n|17954|1405088|Late CE 1 Hour FL SAFE: Important Topics for FL MLOs OSS \\(17161\\)|Online Self-Study|CE Elective|\n|17955|1405088|Late CE 1 Hour CA-DFPI SAFE: Climate Change & Prohibited Acts OSS \\(17159\\)|Online Self-Study|CE Elective|\n|17956|1405088|Late CE 1 Hour AZ SAFE: Prohibited Acts & Reverse Mortgages \\(17160\\)|Online Self-Study|CE Elective|\n\n**Parent topic:**Late CE Course Catalog\n\n**Related information**  \n\n1 Stop Training, Inc. DBA: MortgageEducation.com\n\n123CE Inc\n\n24hourEDU LLC\n\nAAA Mortgage Training\n\nAmeritrain Mortgage Institute\n\nAt Your Pace Online, LLC\n\nBroker Knowledge Group DBA: The Knowledge Coop\n\nCape School Inc.\n\nCatalyst Mortgage Solutions\n\nChampions School of Real Estate\n\nDiehl & Associates, Inc.\n\nJim Montrym's National MLO School\n\nMortgage Educators and Compliance\n\nOCL Financial Services LLC DBA: OnCourse Learning\n\nOnlineEd\n\nRealty Publications Inc. DBA: First Tuesday\n\nThe CE Shop",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_courseProviders\\mlo_testing_hbk_lateCE_maximumAcceleration.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_courseProviders\\mlo_testing_hbk_lateCE_maximumAcceleration.md",
      "headings": [
        "MaxClass LLC {#xd_fe6ae44450b43c95-1952e05a-1957b7b6cd8--7ffb .reference}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_courseProviders/mlo_testing_hbk_lateCE_maximumAcceleration.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_courseProviders/mlo_testing_hbk_lateCE_mortEducators.md:chunk-0",
      "title": "Mortgage Educators and Compliance {#xd_32dd3e1ef42e96ae-81b8e2c-191421441e5--7ff3 .reference}",
      "content": "# Mortgage Educators and Compliance \n\nProvider Number: 1400062\n\nWeb Address: www.mortgageeducators.com\n\n6504 Bridge Point Parkway, Suite 100, Austin, TX 78730\n\n|Course ID|Provider ID|Name|Instruction Method|Category|\n|---------|-----------|----|------------------|--------|\n|18197|1400062|Late CE 3 Hour NY SAFE: Fair Lending, High Cost & Subprime Lending & Cybersecurity \\(17002\\)|Online Self-Study|CE Elective|\n|18198|1400062|Late CE 2 Hour WV SAFE: Required Topics for 2025 \\(16999\\)|Online Self-Study|CE Elective|\n|18199|1400062|Late CE 2 Hour OR SAFE: Understanding Oregon Law \\(16998\\)|Online Self-Study|CE Elective|\n|18200|1400062|Late CE 2 Hour NJ SAFE: Financial Fraud, Predatory Lending and Disaster Lending \\(16991\\)|Online Self-Study|CE Elective|\n|18201|1400062|Late CE 1 Hour WA SAFE: Mortgage Fraud & Affordable Housing \\(16986\\)|Online Self-Study|CE Elective|\n|18202|1400062|Late CE 1 Hour UT-DRE SAFE: Advertising, Referral Fees & Recent Enforcement \\(17147\\)|Online Self-Study|CE Elective|\n|18203|1400062|Late CE 1 Hour SC-DCA SAFE: Complying with SC Law \\(16983\\)|Online Self-Study|CE Elective|\n|18204|1400062|Late CE 1 Hour SC-BFI SAFE: Complying with SC Law \\(16982\\)|Online Self-Study|CE Elective|\n|18205|1400062|Late CE 1 Hour RI SAFE: RI Required Topics and Mortgage Fraud \\(16985\\)|Online Self-Study|CE Elective|\n|18206|1400062|Late CE 1 Hour PA SAFE: Affordable Housing & Cybersecurity \\(16990\\)|Online Self-Study|CE Elective|\n|18207|1400062|Late CE 1 Hour NV SAFE: Compliance and Prohibited Acts for Qualified Employees \\(16963\\)|Online Self-Study|CE Elective|\n|18208|1400062|Late CE 1 Hour NM SAFE: Fiduciary Responsibility and Affordable Housing \\(17091\\)|Online Self-Study|CE Elective|\n|18209|1400062|Late CE 1 Hour NC SAFE: Mortgage Fraud and Affordable Housing \\(16984\\)|Online Self-Study|CE Elective|\n|18210|1400062|Late CE 1 Hour MO SAFE: Required Compliance and Missouri Law \\(16965\\)|Online Self-Study|CE Elective|\n|18211|1400062|Late CE 1 Hour MN SAFE: Required To",
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      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_courseProviders\\mlo_testing_hbk_lateCE_mortEducators.md",
      "headings": [
        "Mortgage Educators and Compliance {#xd_32dd3e1ef42e96ae-81b8e2c-191421441e5--7ff3 .reference}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_courseProviders/mlo_testing_hbk_lateCE_mortEducators.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_courseProviders/mlo_testing_hbk_lateCE_mortEducators.md:chunk-1",
      "title": "Mortgage Educators and Compliance {#xd_32dd3e1ef42e96ae-81b8e2c-191421441e5--7ff3 .reference}",
      "content": ")|Online Self-Study|CE Elective|\n|18210|1400062|Late CE 1 Hour MO SAFE: Required Compliance and Missouri Law \\(16965\\)|Online Self-Study|CE Elective|\n|18211|1400062|Late CE 1 Hour MN SAFE: Required Topics & Advertising \\(16962\\)|Online Self-Study|CE Elective|\n|18212|1400062|Late CE 1 Hour MD SAFE: MLO Renewal, Regulatory Guidance, GTO Counties and Legislative Updates \\(16961\\)|Online Self-Study|CE Elective|\n|18213|1400062|Late CE 1 Hour MA SAFE: Compliance, Recent Enforcement, and CRA Requirements \\(16987\\)|Online Self-Study|CE Elective|\n|18214|1400062|Late CE 1 Hour KY SAFE: Compliance with KY Law OSS \\(16989\\)|Online Self-Study|CE Elective|\n|18215|1400062|Late CE 1 Hour ID SAFE: Financial Fraud and Down Payment Assistance \\(16988\\)|Online Self-Study|CE Elective|\n|18216|1400062|Late CE 1 Hour HI SAFE: Affordable Housing and Disaster Lending \\(17001\\)|Online Self-Study|CE Elective|\n|18217|1400062|Late CE 1 Hour GA SAFE: Mortgage Fraud & The Georgia Fair Lending Act \\(16959\\)|Online Self-Study|CE Elective|\n|18218|1400062|Late CE 1 Hour FL SAFE: Mortgage Fraud & Required Topics \\(17114\\)|Online Self-Study|CE Elective|\n|18219|1400062|Late CE 1 Hour DC SAFE: DC-DISB Warnings, Advertising, Wire Fraud, Geographic Targeting Orders, and Legislative Updates \\(17000\\)|Online Self-Study|CE Elective|\n|18220|1400062|Late CE 1 Hour CT SAFE: Mortgage Fraud and Required Topics \\(17084\\)|Online Self-Study|CE Elective|\n|18221|1400062|Late CE 1 Hour CA-DFPI SAFE: Mortgage Fraud & Natural Disaster Lending OSS \\(16960\\)|Online Self-Study|CE Elective|\n|18222|1400062|Late CE 1 Hour AZ SAFE: Identity Theft & Mortgage Fraud \\(16964\\)|Online Self-Study|CE Elective|\n|18223|1400062|Late CE 1 Hour SAFE: Affordable Housing \\(16873\\)|Online Self-Study|CE Elective|\n|18224|1400062|Late CE 7 Hour SAFE Core: Top 10-Violations, Cybersecurity & Fraud, Social Media & Advertising Compliance, Fair Lending, Reverse Mortgages, ARMs \\(16874\\)|Online Self-Study|CE Core|\n\n**Parent topic:**Late CE Course Catalo",
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      "headings": [
        "Mortgage Educators and Compliance {#xd_32dd3e1ef42e96ae-81b8e2c-191421441e5--7ff3 .reference}"
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      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_courseProviders/mlo_testing_hbk_lateCE_mortEducators.html",
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      "id": "maps/NMLS/education/mlo_testing/mlo_courseProviders/mlo_testing_hbk_lateCE_mortEducators.md:chunk-2",
      "title": "Mortgage Educators and Compliance {#xd_32dd3e1ef42e96ae-81b8e2c-191421441e5--7ff3 .reference}",
      "content": "ore: Top 10-Violations, Cybersecurity & Fraud, Social Media & Advertising Compliance, Fair Lending, Reverse Mortgages, ARMs \\(16874\\)|Online Self-Study|CE Core|\n\n**Parent topic:**Late CE Course Catalog\n\n**Related information**  \n\n1 Stop Training, Inc. DBA: MortgageEducation.com\n\n123CE Inc\n\n24hourEDU LLC\n\nAAA Mortgage Training\n\nAmeritrain Mortgage Institute\n\nAt Your Pace Online, LLC\n\nBroker Knowledge Group DBA: The Knowledge Coop\n\nCape School Inc.\n\nCatalyst Mortgage Solutions\n\nChampions School of Real Estate\n\nDiehl & Associates, Inc.\n\nJim Montrym's National MLO School\n\nMaxClass LLC\n\nOCL Financial Services LLC DBA: OnCourse Learning\n\nOnlineEd\n\nRealty Publications Inc. DBA: First Tuesday\n\nThe CE Shop",
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      "headings": [
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      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_courseProviders/mlo_testing_hbk_lateCE_mortEducators.html",
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      "id": "maps/NMLS/education/mlo_testing/mlo_courseProviders/mlo_testing_hbk_lateCE_onCourseLearn.md:chunk-0",
      "title": "OCL Financial Services LLC DBA: OnCourse Learning {#xd_32dd3e1ef42e96ae-81b8e2c-191421441e5--7ff1 .reference}",
      "content": "# OCL Financial Services LLC DBA: OnCourse Learning \n\nProvider Number: 1400013\n\nWeb Address: www.oncourselearning.com\n\n399 S Spring Ave, St. Louis, MO 63110\n\n|Course ID|Provider ID|Name|Instruction Method|Category|\n|---------|-----------|----|------------------|--------|\n|18090|1400013|Late CE 1 Hour AZ SAFE: Arizona Mortgage Loan Originator 2025 CE \\(17025\\)|Online Self-Study|CE Elective|\n|18091|1400013|Late CE 1 Hour AZ SAFE: Arizona Mortgage Loan Originator 2025 Video CE \\(17221\\)|Online Self-Study|CE Elective|\n|18092|1400013|Late CE 1 Hour CA-DFPI SAFE: California Mortgage Loan Originator 2025 CE \\(17019\\)|Online Self-Study|CE Elective|\n|18093|1400013|Late CE 1 Hour CA-DFPI SAFE: California Mortgage Loan Originator 2025 Video CE \\(17219\\)|Online Self-Study|CE Elective|\n|18094|1400013|Late CE 1 Hour CT SAFE: Connecticut Mortgage Loan Originator 2025 CE \\(17060\\)|Online Self-Study|CE Elective|\n|18095|1400013|Late CE 1 Hour CT SAFE: Connecticut Mortgage Loan Originator 2025 Video CE \\(17234\\)|Online Self-Study|CE Elective|\n|18096|1400013|Late CE 1 Hour DC SAFE: District of Columbia Mortgage Loan Originator 2025 CE \\(17068\\)|Online Self-Study|CE Elective|\n|18097|1400013|Late CE 1 Hour DC SAFE: District of Columbia Mortgage Loan Originator 2025 Video CE \\(17237\\)|Online Self-Study|CE Elective|\n|18098|1400013|Late CE 1 Hour FL SAFE: Florida Mortgage Loan Originator 2025 CE \\(17016\\)|Online Self-Study|CE Elective|\n|18099|1400013|Late CE 1 Hour FL SAFE: Florida Mortgage Loan Originator 2025 Video CE \\(17218\\)|Online Self-Study|CE Elective|\n|18100|1400013|Late CE 1 Hour GA SAFE: Georgia Mortgage Loan Originator 2025 CE \\(17037\\)|Online Self-Study|CE Elective|\n|18101|1400013|Late CE 1 Hour GA SAFE: Georgia Mortgage Loan Originator 2025 Video CE \\(17225\\)|Online Self-Study|CE Elective|\n|18102|1400013|Late CE 1 Hour HI SAFE: Hawaii Mortgage Loan Originator 2025 CE \\(17031\\)|Online Self-Study|CE Elective|\n|18103|1400013|Late CE 1 Hour HI SAFE: Hawaii Mortgage Loan Originator",
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      "headings": [
        "OCL Financial Services LLC DBA: OnCourse Learning {#xd_32dd3e1ef42e96ae-81b8e2c-191421441e5--7ff1 .reference}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_courseProviders/mlo_testing_hbk_lateCE_onCourseLearn.html",
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      "id": "maps/NMLS/education/mlo_testing/mlo_courseProviders/mlo_testing_hbk_lateCE_onCourseLearn.md:chunk-1",
      "title": "OCL Financial Services LLC DBA: OnCourse Learning {#xd_32dd3e1ef42e96ae-81b8e2c-191421441e5--7ff1 .reference}",
      "content": "Elective|\n|18102|1400013|Late CE 1 Hour HI SAFE: Hawaii Mortgage Loan Originator 2025 CE \\(17031\\)|Online Self-Study|CE Elective|\n|18103|1400013|Late CE 1 Hour HI SAFE: Hawaii Mortgage Loan Originator 2025 Video CE \\(17223\\)|Online Self-Study|CE Elective|\n|18104|1400013|Late CE 1 Hour ID SAFE: Idaho Mortgage Loan Originator 2025 CE \\(17074\\)|Online Self-Study|CE Elective|\n|18105|1400013|Late CE 1 Hour ID SAFE: Idaho Mortgage Loan Originator 2025 Video CE \\(17240\\)|Online Self-Study|CE Elective|\n|18106|1400013|Late CE 1 Hour KY SAFE: Kentucky Mortgage Loan Originator 2025 Video CE \\(17226\\)|Online Self-Study|CE Elective|\n|18107|1400013|Late CE 1 Hour KY SAFE: Kentucky Mortgage Loan Originator 2025 CE \\(17040\\)|Online Self-Study|CE Elective|\n|18108|1400013|Late CE 1 Hour MA SAFE: Massachusetts Mortgage Loan Originator 2025 CE \\(17070\\)|Online Self-Study|CE Elective|\n|18109|1400013|Late CE 1 Hour MA SAFE: Massachusetts Mortgage Loan Originator 2025 Video CE \\(17238\\)|Online Self-Study|CE Elective|\n|18110|1400013|Late CE 1 Hour MD SAFE: Maryland Mortgage Loan Originator 2025 CE \\(17046\\)|Online Self-Study|CE Elective|\n|18111|1400013|Late CE 1 Hour MD SAFE: Maryland Mortgage Loan Originator 2025 Video CE \\(17228\\)|Online Self-Study|CE Elective|\n|18112|1400013|Late CE 1 Hour MN SAFE: Minnesota Mortgage Loan Originator 2025 CE \\(17054\\)|Online Self-Study|CE Elective|\n|18113|1400013|Late CE 1 Hour MN SAFE: Minnesota Mortgage Loan Originator 2025 Video CE \\(17232\\)|Online Self-Study|CE Elective|\n|18114|1400013|Late CE 1 Hour MO SAFE: Missouri Mortgage Loan Originator 2025 Video CE \\(17235\\)|Online Self-Study|CE Elective|\n|18115|1400013|Late CE 1 Hour MO SAFE: Missouri Mortgage Loan Originator 2025 CE \\(17063\\)|Online Self-Study|CE Elective|\n|18116|1400013|Late CE 1 Hour NC SAFE: North Carolina Mortgage Loan Originator 2025 CE \\(17057\\)|Online Self-Study|CE Elective|\n|18117|1400013|Late CE 1 Hour NC SAFE: North Carolina Mortgage Loan Originator 2025 Video CE \\(17233\\)|Online ",
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      "headings": [
        "OCL Financial Services LLC DBA: OnCourse Learning {#xd_32dd3e1ef42e96ae-81b8e2c-191421441e5--7ff1 .reference}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_courseProviders/mlo_testing_hbk_lateCE_onCourseLearn.html",
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    {
      "id": "maps/NMLS/education/mlo_testing/mlo_courseProviders/mlo_testing_hbk_lateCE_onCourseLearn.md:chunk-2",
      "title": "OCL Financial Services LLC DBA: OnCourse Learning {#xd_32dd3e1ef42e96ae-81b8e2c-191421441e5--7ff1 .reference}",
      "content": " North Carolina Mortgage Loan Originator 2025 CE \\(17057\\)|Online Self-Study|CE Elective|\n|18117|1400013|Late CE 1 Hour NC SAFE: North Carolina Mortgage Loan Originator 2025 Video CE \\(17233\\)|Online Self-Study|CE Elective|\n|18118|1400013|Late CE 2 Hour NJ SAFE: New Jersey Mortgage Loan Originator 2025 CE \\(17028\\)|Online Self-Study|CE Elective|\n|18119|1400013|Late CE 2 Hour NJ SAFE: New Jersey Mortgage Loan Originator 2025 Video CE \\(17222\\)|Online Self-Study|CE Elective|\n|18120|1400013|Late CE 1 Hour NM SAFE: New Mexico Mortgage Loan Originator 2025 CE \\(17077\\)|Online Self-Study|CE Elective|\n|18121|1400013|Late CE 1 Hour NM SAFE: New Mexico Mortgage Loan Originator 2025 Video CE \\(17241\\)|Online Self-Study|CE Elective|\n|18122|1400013|Late CE 3 Hour NV SAFE: Mortgage Matters in Nevada \\(6691\\)|Online Self-Study|CE Elective|\n|18123|1400013|Late CE 1 Hour NV SAFE: Nevada Qualified Employee 2025 CE \\(17081\\)|Online Self-Study|CE Elective|\n|18124|1400013|Late CE 1 Hour NV SAFE: Nevada Qualified Employee 2025 Video CE \\(17242\\)|Online Self-Study|CE Elective|\n|18125|1400013|Late CE 3 Hour NY SAFE: New York Mortgage Loan Originator 2025 CE \\(17043\\)|Online Self-Study|CE Elective|\n|18126|1400013|Late CE 3 Hour NY SAFE: New York Mortgage Loan Originator 2025 Video CE \\(17227\\)|Online Self-Study|CE Elective|\n|18127|1400013|Late CE 2 Hour OR SAFE: Oregon Mortgage Loan Originator 2025 CE \\(17049\\)|Online Self-Study|CE Elective|\n|18128|1400013|Late CE 2 Hour OR SAFE: Oregon Mortgage Loan Originator 2025 Video CE \\(17229\\)|Online Self-Study|CE Elective|\n|18129|1400013|Late CE 1 Hour PA SAFE: Pennsylvania Mortgage Loan Originator 2025 CE \\(17022\\)|Online Self-Study|CE Elective|\n|18130|1400013|Late CE 1 Hour PA SAFE: Pennsylvania Mortgage Loan Originator 2025 Video CE \\(17220\\)|Online Self-Study|CE Elective|\n|18131|1400013|Late CE 1 Hour RI SAFE: Rhode Island Mortgage Loan Originator 2025 CE \\(17065\\)|Online Self-Study|CE Elective|\n|18132|1400013|Late CE 1 Hour RI SAFE: Rhode Isl",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_courseProviders\\mlo_testing_hbk_lateCE_onCourseLearn.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_courseProviders\\mlo_testing_hbk_lateCE_onCourseLearn.md",
      "headings": [
        "OCL Financial Services LLC DBA: OnCourse Learning {#xd_32dd3e1ef42e96ae-81b8e2c-191421441e5--7ff1 .reference}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_courseProviders/mlo_testing_hbk_lateCE_onCourseLearn.html",
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    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_courseProviders/mlo_testing_hbk_lateCE_onCourseLearn.md:chunk-3",
      "title": "OCL Financial Services LLC DBA: OnCourse Learning {#xd_32dd3e1ef42e96ae-81b8e2c-191421441e5--7ff1 .reference}",
      "content": "e Self-Study|CE Elective|\n|18131|1400013|Late CE 1 Hour RI SAFE: Rhode Island Mortgage Loan Originator 2025 CE \\(17065\\)|Online Self-Study|CE Elective|\n|18132|1400013|Late CE 1 Hour RI SAFE: Rhode Island Mortgage Loan Originator 2025 Video CE \\(17236\\)|Online Self-Study|CE Elective|\n|18133|1400013|Late CE 1 Hour SC-BFI SAFE: South Carolina Mortgage Loan Originator 2025 CE-Lender \\(17052\\)|Online Self-Study|CE Elective|\n|18134|1400013|Late CE 1 Hour SC-BFI SAFE: South Carolina Mortgage Loan Originator 2025 Video CE--Lender \\(17230\\)|Online Self-Study|CE Elective|\n|18135|1400013|Late CE 1 Hour SC-DCA SAFE: South Carolina Mortgage Loan Originator 2025 CE-Broker \\(17053\\)|Online Self-Study|CE Elective|\n|18136|1400013|Late CE 1 Hour SC-DCA SAFE: South Carolina Mortgage Loan Originator 2025 Video CE--Broker \\(17231\\)|Online Self-Study|CE Elective|\n|18137|1400013|Late CE 1 Hour UT-DRE SAFE: Utah Mortgage Loan Originator 2025 CE \\(17130\\)|Online Self-Study|CE Elective|\n|18138|1400013|Late CE 1 Hour UT-DRE SAFE: Utah Mortgage Loan Originator 2025 Video CE \\(17176\\)|Online Self-Study|CE Elective|\n|18139|1400013|Late CE 1 Hour WA SAFE: Washington Mortgage Loan Originator 2025 CE \\(17034\\)|Online Self-Study|CE Elective|\n|18140|1400013|Late CE 1 Hour WA SAFE: Washington Mortgage Loan Originator 2025 Video CE \\(17224\\)|Online Self-Study|CE Elective|\n|18141|1400013|Late CE 2 Hour UT-DRE SAFE: The Latest Updates on Utah Mortgage Law \\(13607\\)|Online Self-Study|CE Elective|\n|18142|1400013|Late CE 2 Hour WV SAFE: West Virginia Mortgage Loan Originator 2025 CE \\(17071\\)|Online Self-Study|CE Elective|\n|18143|1400013|Late CE 2 Hour WV SAFE: West Virginia Mortgage Loan Originator 2025 Video CE \\(17239\\)|Online Self-Study|CE Elective|\n|18144|1400013|Late CE 1 Hour SAFE: Elective: Mortgage Loan Originator 2025 CE \\(16341\\)|Online Self-Study|CE Elective|\n|18145|1400013|Late CE 1 Hour SAFE: Elective: Mortgage Loan Originator 2025 Video CE \\(17217\\)|Online Self-Study|CE Elective|\n|18146|14000",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_courseProviders\\mlo_testing_hbk_lateCE_onCourseLearn.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_courseProviders\\mlo_testing_hbk_lateCE_onCourseLearn.md",
      "headings": [
        "OCL Financial Services LLC DBA: OnCourse Learning {#xd_32dd3e1ef42e96ae-81b8e2c-191421441e5--7ff1 .reference}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_courseProviders/mlo_testing_hbk_lateCE_onCourseLearn.html",
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      "id": "maps/NMLS/education/mlo_testing/mlo_courseProviders/mlo_testing_hbk_lateCE_onCourseLearn.md:chunk-4",
      "title": "OCL Financial Services LLC DBA: OnCourse Learning {#xd_32dd3e1ef42e96ae-81b8e2c-191421441e5--7ff1 .reference}",
      "content": "n Originator 2025 CE \\(16341\\)|Online Self-Study|CE Elective|\n|18145|1400013|Late CE 1 Hour SAFE: Elective: Mortgage Loan Originator 2025 Video CE \\(17217\\)|Online Self-Study|CE Elective|\n|18146|1400013|Late CE 2 Hour SAFE: Elective: Mortgage Loan Originator 2025 CE \\(17080\\)|Online Self-Study|CE Elective|\n|18147|1400013|Late CE 7 Hour SAFE Core: Mortgage Loan Originator 2025 CE \\(16344\\)|Online Self-Study|CE Core|\n|18148|1400013|Late CE 7 Hour SAFE Core: Mortgage Loan Originator 2025 Video CE \\(17216\\)|Online Self-Study|CE Core|\n|18149|1400013|Late CE 8 Hour SAFE Comprehensive: Mortgage Loan Originator 2025 CE \\(16347\\)|Online Self-Study|CE Comprehensive|\n|18150|1400013|Late CE 8 Hour SAFE Comprehensive: Mortgage Loan Originator 2025 Video CE \\(17215\\)|Online Self-Study|CE Comprehensive|\n\n**Parent topic:**Late CE Course Catalog\n\n**Related information**  \n\n1 Stop Training, Inc. DBA: MortgageEducation.com\n\n123CE Inc\n\n24hourEDU LLC\n\nAAA Mortgage Training\n\nAmeritrain Mortgage Institute\n\nAt Your Pace Online, LLC\n\nBroker Knowledge Group DBA: The Knowledge Coop\n\nCape School Inc.\n\nCatalyst Mortgage Solutions\n\nChampions School of Real Estate\n\nDiehl & Associates, Inc.\n\nJim Montrym's National MLO School\n\nMaxClass LLC\n\nMortgage Educators and Compliance\n\nOnlineEd\n\nRealty Publications Inc. DBA: First Tuesday\n\nThe CE Shop",
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      "headings": [
        "OCL Financial Services LLC DBA: OnCourse Learning {#xd_32dd3e1ef42e96ae-81b8e2c-191421441e5--7ff1 .reference}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_courseProviders/mlo_testing_hbk_lateCE_onCourseLearn.html",
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    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_courseProviders/mlo_testing_hbk_lateCE_onlineED.md:chunk-0",
      "title": "OnlineEd {#xd_32dd3e1ef42e96ae-81b8e2c-191421441e5--7ff0 .reference}",
      "content": "# OnlineEd \n\nProvider Number: 1400327\n\nWeb Address: www.onlineed.com\n\n14355 SW Allen Blvd, Portland, OR 97005\n\n|Course ID|Provider ID|Name|Instruction Method|Category|\n|---------|-----------|----|------------------|--------|\n|17910|1400327|Late CE 1 Hour UT-DRE SAFE: Utah Mortgage Continuing Education \\(17424\\)|Online Self-Study|CE Elective|\n|17909|1400327|Late CE 1 Hour MO SAFE: Missouri Mortgage Continuing Education \\(17360\\)|Online Self-Study|CE Elective|\n|17908|1400327|Late CE 8 Hour SAFE Comprehensive: 2025 Originator Essentials \\(17285\\)|Online Self-Study|CE Comprehensive|\n|17907|1400327|Late CE 7 Hour SAFE Core: 2025 Originator Fundamentals \\(17286\\)|Online Self-Study|CE Core|\n|17906|1400327|Late CE 2 Hour WV SAFE: West Virginia Mortgage Continuing Education \\(17456\\)|Online Self-Study|CE Elective|\n|17905|1400327|Late CE 2 Hour OR SAFE: Oregon Mortgage Continuing Education \\(17522\\)|Online Self-Study|CE Elective|\n|17904|1400327|Late CE 1 Hour NC SAFE: North Carolina Mortgage Continuing Education|Online Self-Study|CE Elective|\n|17903|1400327|Late CE 1 Hour SC-DCA SAFE: South Carolina Mortgage Continuing Education \\(17426\\)|Online Self-Study|CE Elective|\n|17901|1400327|Late CE 1 Hour HI SAFE: Hawaii Mortgage Continuing Education \\(17308\\)|Online Self-Study|CE Elective|\n|17900|1400327|Late CE 1 Hour SC-BFI SAFE: South Carolina Mortgage Continuing Education \\(17425\\)|Online Self-Study|CE Elective|\n|17899|1400327|Late CE 1 Hour MN SAFE: Minnesota Mortgage Continuing Education \\( 17359\\)|Online Self-Study|CE Elective|\n|17898|1400327|Late CE 1 Hour KY SAFE: Kentucky Mortgage Continuing Education \\(17312\\)|Online Self-Study|CE Elective|\n|17897|1400327|Late CE 1 Hour ID SAFE: Idaho Mortgage Continuing Education \\(17311\\)|Online Self-Study|CE Elective|\n|17896|1400327|Late CE 2 Hour NJ SAFE: New Jersey Mortgage Continuing Education \\(17521\\)|Online Self-Study|CE Elective|\n|17895|1400327|Late CE 1 Hour MA SAFE: Massachusetts Mortgage Continuing Education \\(17276\\)|Online",
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      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_courseProviders\\mlo_testing_hbk_lateCE_onlineED.md",
      "headings": [
        "OnlineEd {#xd_32dd3e1ef42e96ae-81b8e2c-191421441e5--7ff0 .reference}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_courseProviders/mlo_testing_hbk_lateCE_onlineED.html",
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      "id": "maps/NMLS/education/mlo_testing/mlo_courseProviders/mlo_testing_hbk_lateCE_onlineED.md:chunk-1",
      "title": "OnlineEd {#xd_32dd3e1ef42e96ae-81b8e2c-191421441e5--7ff0 .reference}",
      "content": "CE 2 Hour NJ SAFE: New Jersey Mortgage Continuing Education \\(17521\\)|Online Self-Study|CE Elective|\n|17895|1400327|Late CE 1 Hour MA SAFE: Massachusetts Mortgage Continuing Education \\(17276\\)|Online Self-Study|CE Elective|\n|17894|1400327|Late CE 1 Hour GA SAFE: Georgia Mortgage Continuing Education \\(17310\\)|Online Self-Study|CE Elective|\n|17893|1400327|Late CE 1 Hour CT SAFE: Connecticut Mortgage Continuing Education \\(17290\\)|Online Self-Study|CE Elective|\n|17892|1400327|Late CE 3 Hour NY SAFE: New York Mortgage Continuing Education \\(17418\\)|Online Self-Study|CE Elective|\n|17891|1400327|Late CE 1 Hour RI SAFE: Rhode Island Mortgage Continuing Education \\(17420\\)|Online Self-Study|CE Elective|\n|17890|1400327|Late CE 1 Hour FL SAFE: Florida Mortgage Continuing Education \\(17309\\)|Online Self-Study|CE Elective|\n|17889|1400327|Late CE 1 Hour MD SAFE: Maryland Mortgage Continuing Education \\(17287\\)|Online Self-Study|CE Elective|\n|17888|1400327|Late CE 1 Hour DC SAFE: Washington DC Mortgage Continuing Education \\(17455\\)|Online Self-Study|CE Elective|\n|17887|1400327|Late CE 1 Hour NM SAFE: New Mexico Mortgage Continuing Education \\(17417\\)|Online Self-Study|CE Elective|\n|17886|1400327|Late CE 1 Hour AZ SAFE: Arizona Mortgage Continuing Education \\(17182\\)|Online Self-Study|CE Elective|\n|17885|1400327|Late CE 1 Hour CA-DFPI SAFE: California Mortgage Continuing Education \\(17284\\)|Online Self-Study|CE Elective|\n|17884|1400327|Late CE 1 Hour WA SAFE: Washington Mortgage Continuing Education \\(17454\\)|Online Self-Study|CE Elective|\n|17883|1400327|Late CE 1 Hour PA SAFE: Pennsylvania Mortgage Continuing Education \\(17523\\)|Online Self-Study|CE Elective|\n\n**Parent topic:**Late CE Course Catalog\n\n**Related information**  \n\n1 Stop Training, Inc. DBA: MortgageEducation.com\n\n123CE Inc\n\n24hourEDU LLC\n\nAAA Mortgage Training\n\nAmeritrain Mortgage Institute\n\nAt Your Pace Online, LLC\n\nBroker Knowledge Group DBA: The Knowledge Coop\n\nCape School Inc.\n\nCatalyst Mortgage Solutions\n\nCha",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_courseProviders\\mlo_testing_hbk_lateCE_onlineED.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_courseProviders\\mlo_testing_hbk_lateCE_onlineED.md",
      "headings": [
        "OnlineEd {#xd_32dd3e1ef42e96ae-81b8e2c-191421441e5--7ff0 .reference}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_courseProviders/mlo_testing_hbk_lateCE_onlineED.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_courseProviders/mlo_testing_hbk_lateCE_onlineED.md:chunk-2",
      "title": "OnlineEd {#xd_32dd3e1ef42e96ae-81b8e2c-191421441e5--7ff0 .reference}",
      "content": "E Inc\n\n24hourEDU LLC\n\nAAA Mortgage Training\n\nAmeritrain Mortgage Institute\n\nAt Your Pace Online, LLC\n\nBroker Knowledge Group DBA: The Knowledge Coop\n\nCape School Inc.\n\nCatalyst Mortgage Solutions\n\nChampions School of Real Estate\n\nDiehl & Associates, Inc.\n\nJim Montrym's National MLO School\n\nMaxClass LLC\n\nMortgage Educators and Compliance\n\nOCL Financial Services LLC DBA: OnCourse Learning\n\nRealty Publications Inc. DBA: First Tuesday\n\nThe CE Shop",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_courseProviders\\mlo_testing_hbk_lateCE_onlineED.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_courseProviders\\mlo_testing_hbk_lateCE_onlineED.md",
      "headings": [
        "OnlineEd {#xd_32dd3e1ef42e96ae-81b8e2c-191421441e5--7ff0 .reference}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_courseProviders/mlo_testing_hbk_lateCE_onlineED.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_courseProviders/mlo_testing_hbk_lateCEcatalog-1.md:chunk-0",
      "title": "Late CE Course Catalog {#xd_f3406d6d8c40c5b7--8040794-1911e21e763--7ff3 .concept}",
      "content": "# Late CE Course Catalog \n\nNeed to satisfy a CE requirement from a past year? If yes, you are in the right place. This catalog is used for MLOs who have been instructed by a state regulator to make up CE.\n\nEffective: January 1, 2026\n\n**Important:** These are the ONLY Courses Approved to Make-up CE Requirements for years 2010 through 2025.\n\n**Attention:** DO NOT TAKE A COURSE FROM THIS CATALOG FOR ANY CE REQUIREMENT IN 2026.\n\n## Verify Need for Late CE \n\nREAD THE FOLLOWING DIRECTION CAREFULLY:\n\n-   Log into NMLS and review your course completion record. Verify you need to complete education for a specific year.\n-   Yellow Triangle = Requirement for Education\n-   License Item from Regulator = Requirement for Education\n-   Only the courses listed in this catalog may be taken to make-up CE for years 2010 through 2025.\n-   Do not take a course in this catalog if you are seeking to complete CE for 2026. If you complete a current year CE course, it will count toward 2026. NMLS will not makes changes to education records.\n-   Have you been unlicensed in a state for three or more years? If yes, you may need to retake the 20hrs of PE. See the State-Specific Education Requirements \\(PE and CE\\) for details.\n\nQuestions or comments send mail to nmls.ed1@csbs.org\n\n## About Course Categories and Instruction Method \n\nIf you were required to take continuing education \\(CE\\) and failed to do so, you must complete a Late CE course in order to satisfy the requirement for licensure. If you are returning to the industry, the application process for a new license requires you to satisfy any CE deficiency for the last year in which you were licensed.\n\nLate CE courses are configured such that upon completion, course credit will be retroactively applied to 2025, 2024, 2023, 2022, 2021, 2020, 2019, 2018, 2017, 2016, 2015, 2014, 2013, 2012, 2011 or 2010, depending on the needs of the particular MLO. States which do not allow an MLO to make-up a CE deficiency require the MLO to apply for a new ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_courseProviders\\mlo_testing_hbk_lateCEcatalog-1.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_courseProviders\\mlo_testing_hbk_lateCEcatalog-1.md",
      "headings": [
        "Late CE Course Catalog {#xd_f3406d6d8c40c5b7--8040794-1911e21e763--7ff3 .concept}",
        "Verify Need for Late CE {#section_r2f_1rj_jcc .section}",
        "About Course Categories and Instruction Method {#section_u41_brj_jcc .section}",
        "Type of Instruction {#section_r4g_frj_jcc .section}",
        "How to Register for a Course {#section_qyk_1rj_jcc .section}",
        "NMLS Approved Late CE Courses - listed by NMLS Approved Course Provider: {#section_ay4_3tj_jcc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_courseProviders/mlo_testing_hbk_lateCEcatalog-1.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_courseProviders/mlo_testing_hbk_lateCEcatalog-1.md:chunk-1",
      "title": "Late CE Course Catalog {#xd_f3406d6d8c40c5b7--8040794-1911e21e763--7ff3 .concept}",
      "content": "9, 2018, 2017, 2016, 2015, 2014, 2013, 2012, 2011 or 2010, depending on the needs of the particular MLO. States which do not allow an MLO to make-up a CE deficiency require the MLO to apply for a new license. The application process for a new license requires the MLO to satisfy any CE deficiency for the last year in which they maintain an active license. The courses listed in this catalog meet this requirement. If you are attempting to make up CE hours, either for the reinstatement period or were directed to take a late CE course by your state regulator, use this catalog to find a course provider and a course and then contact the provider to register, pay for, and then complete the course. *Pay close attention to any state-specific education requirements that you may need to satisfy.*\n\n## Type of Instruction \n\nCourse Category:\n:   CE Comprehensive\n:   A course that is 8 or more hours and contains the 3hrs of Federal Law, 2hrs of Ethics, 2hrs of Non-traditional Mortgage Lending plus 1 or more hours of electives.\n\nState CE Comprehensive\n:   Title contains word Comprehensive and the 2 letter state code, is a course that contains the 3hrs of Federal Law, 2hrs of Ethics, 2hrs of Non-traditional Mortgage Lending plus state-specific education and the remaining hours of electives to equal 8 or more hours.\n\nCE Core\n:   a course that contains 3hrs of Federal Law, 2hrs of Ethics and 2hrs of Non-Traditional Lending\n\nCE Federal Law\n:   course contains 3hrs of Federal Law to meet the CE federal law requirement\n\nCE Ethics\n:   course contains 2hrs of Ethics to meet the CE ethics requirement\n\nCE Nontraditional\n:   course contains 1hr of nontraditional lending to meet the CE nontraditional lending requirement\n\nCE Elective\n:   course contains 1 or more hrs and is intended to satisfy the elective/undefined requirement\n\nState CE Elective\n:   course intended to satisfy a State’s requirement for specific number hours of state specific education. Title contains the 2 letter state code.\n\nIn",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_courseProviders\\mlo_testing_hbk_lateCEcatalog-1.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_courseProviders\\mlo_testing_hbk_lateCEcatalog-1.md",
      "headings": [
        "Late CE Course Catalog {#xd_f3406d6d8c40c5b7--8040794-1911e21e763--7ff3 .concept}",
        "Verify Need for Late CE {#section_r2f_1rj_jcc .section}",
        "About Course Categories and Instruction Method {#section_u41_brj_jcc .section}",
        "Type of Instruction {#section_r4g_frj_jcc .section}",
        "How to Register for a Course {#section_qyk_1rj_jcc .section}",
        "NMLS Approved Late CE Courses - listed by NMLS Approved Course Provider: {#section_ay4_3tj_jcc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_courseProviders/mlo_testing_hbk_lateCEcatalog-1.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_courseProviders/mlo_testing_hbk_lateCEcatalog-1.md:chunk-2",
      "title": "Late CE Course Catalog {#xd_f3406d6d8c40c5b7--8040794-1911e21e763--7ff3 .concept}",
      "content": "lective/undefined requirement\n\nState CE Elective\n:   course intended to satisfy a State’s requirement for specific number hours of state specific education. Title contains the 2 letter state code.\n\nInstruction Method:\n:   Classroom\n:   Traditional on-site classroom instruction.\n\nClassroom Equivalent\n:   Instruction employing webinar-like technology that is broadcast to one or more locations.\n\nOnline Self-Paced\n:   Online courses that use a Learning Management System and are intended to be taken by student who want to learn at their own pace \\(may only be use for online CE courses\\).\n\n## How to Register for a Course \n\nChoose the courses you want to take and contact the course provider by using the contact information or link to their web site. Register and pay for the course directly with the course provider. Once you have completed the course, the provider will report the course completion to NMLS within seven \\(7\\) calendar days from the course completion date.\n\n**Note:** Courses that appear in the late CE catalog are duplicate courses of the NMLS Master Course Catalog. According to the SAFE Act, MLOs cannot take the same CE course two years in a row. MLOs who take a late CE course for reinstatement cannot take the parent course which appears in the NMLS Master Course Catalog to satisfy CE. The parent course ID is in parenthesis following the late CE course title.\n\n## NMLS Approved Late CE Courses - listed by NMLS Approved Course Provider: \n\n-   **1 Stop Training, Inc. DBA: MortgageEducation.com**  \nProvider Number: 1400051\n-   **123CE Inc**  \nProvider Number: 1400019\n-   **24hourEDU LLC**  \nProvider Number: 1405107\n-   **AAA Mortgage Training**  \nProvider Number: 1400980\n-   **Ameritrain Mortgage Institute**  \nProvider Number: 1400015\n-   **At Your Pace Online, LLC**  \nProvider ID: 1405040\n-   **Broker Knowledge Group DBA: The Knowledge Coop**  \nProvider ID: 14000023\n-   **Cape School Inc.**  \nProvider Number: 1400105\n-   **Catalyst Mortgage Solutions**  \nProvider",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_courseProviders\\mlo_testing_hbk_lateCEcatalog-1.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_courseProviders\\mlo_testing_hbk_lateCEcatalog-1.md",
      "headings": [
        "Late CE Course Catalog {#xd_f3406d6d8c40c5b7--8040794-1911e21e763--7ff3 .concept}",
        "Verify Need for Late CE {#section_r2f_1rj_jcc .section}",
        "About Course Categories and Instruction Method {#section_u41_brj_jcc .section}",
        "Type of Instruction {#section_r4g_frj_jcc .section}",
        "How to Register for a Course {#section_qyk_1rj_jcc .section}",
        "NMLS Approved Late CE Courses - listed by NMLS Approved Course Provider: {#section_ay4_3tj_jcc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_courseProviders/mlo_testing_hbk_lateCEcatalog-1.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_courseProviders/mlo_testing_hbk_lateCEcatalog-1.md:chunk-3",
      "title": "Late CE Course Catalog {#xd_f3406d6d8c40c5b7--8040794-1911e21e763--7ff3 .concept}",
      "content": " \nProvider ID: 1405040\n-   **Broker Knowledge Group DBA: The Knowledge Coop**  \nProvider ID: 14000023\n-   **Cape School Inc.**  \nProvider Number: 1400105\n-   **Catalyst Mortgage Solutions**  \nProvider Number: 1405109\n-   **Champions School of Real Estate**  \nProvider Number: 1400073\n-   **Diehl & Associates, Inc.**  \nProvider Number: 1400133\n-   **Jim Montrym's National MLO School**  \nProvider Number: 1400075\n-   **MaxClass LLC**  \nProvider ID: 1405088\n-   **Mortgage Educators and Compliance**  \nProvider Number: 1400062\n-   **OCL Financial Services LLC DBA: OnCourse Learning**  \nProvider Number: 1400013\n-   **OnlineEd**  \nProvider Number: 1400327\n-   **Realty Publications Inc. DBA: First Tuesday**  \nProvider Number: 1400986\n-   **The CE Shop**  \nProvider Number: 1405070\n\n**Parent topic:**Complete NMLS Approved Courses",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_courseProviders\\mlo_testing_hbk_lateCEcatalog-1.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_courseProviders\\mlo_testing_hbk_lateCEcatalog-1.md",
      "headings": [
        "Late CE Course Catalog {#xd_f3406d6d8c40c5b7--8040794-1911e21e763--7ff3 .concept}",
        "Verify Need for Late CE {#section_r2f_1rj_jcc .section}",
        "About Course Categories and Instruction Method {#section_u41_brj_jcc .section}",
        "Type of Instruction {#section_r4g_frj_jcc .section}",
        "How to Register for a Course {#section_qyk_1rj_jcc .section}",
        "NMLS Approved Late CE Courses - listed by NMLS Approved Course Provider: {#section_ay4_3tj_jcc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_courseProviders/mlo_testing_hbk_lateCEcatalog-1.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_courseProviders/mlo_testing_hbk_lateCEcatalog.md:chunk-0",
      "title": "Late CE Course Catalog {#xd_f3406d6d8c40c5b7--8040794-1911e21e763--7ff3 .concept}",
      "content": "# Late CE Course Catalog \n\nNeed to satisfy a CE requirement from a past year? If yes, you are in the right place. This catalog is used for MLOs who have been instructed by a state regulator to make up CE.\n\nEffective: January 1, 2026\n\n**Important:** These are the ONLY Courses Approved to Make-up CE Requirements for years 2010 through 2025.\n\n**Attention:** DO NOT TAKE A COURSE FROM THIS CATALOG FOR ANY CE REQUIREMENT IN 2026.\n\n## Verify Need for Late CE \n\nREAD THE FOLLOWING DIRECTION CAREFULLY:\n\n-   Log into NMLS and review your course completion record. Verify you need to complete education for a specific year.\n-   Yellow Triangle = Requirement for Education\n-   License Item from Regulator = Requirement for Education\n-   Only the courses listed in this catalog may be taken to make-up CE for years 2010 through 2025.\n-   Do not take a course in this catalog if you are seeking to complete CE for 2026. If you complete a current year CE course, it will count toward 2026. NMLS will not makes changes to education records.\n-   Have you been unlicensed in a state for three or more years? If yes, you may need to retake the 20hrs of PE. See the State-Specific Education Requirements \\(PE and CE\\) for details.\n\nQuestions or comments send mail to nmls.ed1@csbs.org\n\n## About Course Categories and Instruction Method \n\nIf you were required to take continuing education \\(CE\\) and failed to do so, you must complete a Late CE course in order to satisfy the requirement for licensure. If you are returning to the industry, the application process for a new license requires you to satisfy any CE deficiency for the last year in which you were licensed.\n\nLate CE courses are configured such that upon completion, course credit will be retroactively applied to 2025, 2024, 2023, 2022, 2021, 2020, 2019, 2018, 2017, 2016, 2015, 2014, 2013, 2012, 2011 or 2010, depending on the needs of the particular MLO. States which do not allow an MLO to make-up a CE deficiency require the MLO to apply for a new ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_courseProviders\\mlo_testing_hbk_lateCEcatalog.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_courseProviders\\mlo_testing_hbk_lateCEcatalog.md",
      "headings": [
        "Late CE Course Catalog {#xd_f3406d6d8c40c5b7--8040794-1911e21e763--7ff3 .concept}",
        "Verify Need for Late CE {#section_r2f_1rj_jcc .section}",
        "About Course Categories and Instruction Method {#section_u41_brj_jcc .section}",
        "Type of Instruction {#section_r4g_frj_jcc .section}",
        "How to Register for a Course {#section_qyk_1rj_jcc .section}",
        "NMLS Approved Late CE Courses - listed by NMLS Approved Course Provider: {#section_ay4_3tj_jcc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_courseProviders/mlo_testing_hbk_lateCEcatalog.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_courseProviders/mlo_testing_hbk_lateCEcatalog.md:chunk-1",
      "title": "Late CE Course Catalog {#xd_f3406d6d8c40c5b7--8040794-1911e21e763--7ff3 .concept}",
      "content": "9, 2018, 2017, 2016, 2015, 2014, 2013, 2012, 2011 or 2010, depending on the needs of the particular MLO. States which do not allow an MLO to make-up a CE deficiency require the MLO to apply for a new license. The application process for a new license requires the MLO to satisfy any CE deficiency for the last year in which they maintain an active license. The courses listed in this catalog meet this requirement. If you are attempting to make up CE hours, either for the reinstatement period or were directed to take a late CE course by your state regulator, use this catalog to find a course provider and a course and then contact the provider to register, pay for, and then complete the course. *Pay close attention to any state-specific education requirements that you may need to satisfy.*\n\n## Type of Instruction \n\nCourse Category:\n:   CE Comprehensive\n:   A course that is 8 or more hours and contains the 3hrs of Federal Law, 2hrs of Ethics, 2hrs of Non-traditional Mortgage Lending plus 1 or more hours of electives.\n\nState CE Comprehensive\n:   Title contains word Comprehensive and the 2 letter state code, is a course that contains the 3hrs of Federal Law, 2hrs of Ethics, 2hrs of Non-traditional Mortgage Lending plus state-specific education and the remaining hours of electives to equal 8 or more hours.\n\nCE Core\n:   a course that contains 3hrs of Federal Law, 2hrs of Ethics and 2hrs of Non-Traditional Lending\n\nCE Federal Law\n:   course contains 3hrs of Federal Law to meet the CE federal law requirement\n\nCE Ethics\n:   course contains 2hrs of Ethics to meet the CE ethics requirement\n\nCE Nontraditional\n:   course contains 1hr of nontraditional lending to meet the CE nontraditional lending requirement\n\nCE Elective\n:   course contains 1 or more hrs and is intended to satisfy the elective/undefined requirement\n\nState CE Elective\n:   course intended to satisfy a State’s requirement for specific number hours of state specific education. Title contains the 2 letter state code.\n\nIn",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_courseProviders\\mlo_testing_hbk_lateCEcatalog.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_courseProviders\\mlo_testing_hbk_lateCEcatalog.md",
      "headings": [
        "Late CE Course Catalog {#xd_f3406d6d8c40c5b7--8040794-1911e21e763--7ff3 .concept}",
        "Verify Need for Late CE {#section_r2f_1rj_jcc .section}",
        "About Course Categories and Instruction Method {#section_u41_brj_jcc .section}",
        "Type of Instruction {#section_r4g_frj_jcc .section}",
        "How to Register for a Course {#section_qyk_1rj_jcc .section}",
        "NMLS Approved Late CE Courses - listed by NMLS Approved Course Provider: {#section_ay4_3tj_jcc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_courseProviders/mlo_testing_hbk_lateCEcatalog.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_courseProviders/mlo_testing_hbk_lateCEcatalog.md:chunk-2",
      "title": "Late CE Course Catalog {#xd_f3406d6d8c40c5b7--8040794-1911e21e763--7ff3 .concept}",
      "content": "lective/undefined requirement\n\nState CE Elective\n:   course intended to satisfy a State’s requirement for specific number hours of state specific education. Title contains the 2 letter state code.\n\nInstruction Method:\n:   Classroom\n:   Traditional on-site classroom instruction.\n\nClassroom Equivalent\n:   Instruction employing webinar-like technology that is broadcast to one or more locations.\n\nOnline Self-Paced\n:   Online courses that use a Learning Management System and are intended to be taken by student who want to learn at their own pace \\(may only be use for online CE courses\\).\n\n## How to Register for a Course \n\nChoose the courses you want to take and contact the course provider by using the contact information or link to their web site. Register and pay for the course directly with the course provider. Once you have completed the course, the provider will report the course completion to NMLS within seven \\(7\\) calendar days from the course completion date.\n\n**Note:** Courses that appear in the late CE catalog are duplicate courses of the NMLS Master Course Catalog. According to the SAFE Act, MLOs cannot take the same CE course two years in a row. MLOs who take a late CE course for reinstatement cannot take the parent course which appears in the NMLS Master Course Catalog to satisfy CE. The parent course ID is in parenthesis following the late CE course title.\n\n## NMLS Approved Late CE Courses - listed by NMLS Approved Course Provider:",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_courseProviders\\mlo_testing_hbk_lateCEcatalog.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_courseProviders\\mlo_testing_hbk_lateCEcatalog.md",
      "headings": [
        "Late CE Course Catalog {#xd_f3406d6d8c40c5b7--8040794-1911e21e763--7ff3 .concept}",
        "Verify Need for Late CE {#section_r2f_1rj_jcc .section}",
        "About Course Categories and Instruction Method {#section_u41_brj_jcc .section}",
        "Type of Instruction {#section_r4g_frj_jcc .section}",
        "How to Register for a Course {#section_qyk_1rj_jcc .section}",
        "NMLS Approved Late CE Courses - listed by NMLS Approved Course Provider: {#section_ay4_3tj_jcc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_courseProviders/mlo_testing_hbk_lateCEcatalog.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_educationRecords/mlo_testing_hbk_edRecord_understand-1.md:chunk-0",
      "title": "Understand Your Education Record {#xd_f3406d6d8c40c5b7--8040794-1911e21e763--7ff8 .reference}",
      "content": "# Understand Your Education Record \n\nThe top of the record displays CE requirements, and the bottom displays PE requirements.\n\n-   The top of the record defaults to current year CE requirements.\n-   The record is organized by year; scroll or click to expand sections to see past years.\n-   Scroll to the bottom of the page to see PE.\n\n= Compliant\n:   You have met requirements.\n\n= Pending\n:   You have not met requirements.\n\nNo Federal/State CE Requirements\n:   No CE requirement for that year.\n\nN/A\n:   Compliance is not tracked in the Federal General Electives category.\n\nNo education records to display.\n:   No course completions have been reported to NMLS. Check with your course provider if you have completed a course and it is not showing.\n\n has a gray/blue banner. CE is organized by years.\")\n\n has a green banner.\")\n\n – represents courses banked by the course provider.\")\n\nSee the State-Specific Education Requirements \\(PE and CE\\) for detailed education requirements by state agency.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_educationRecords\\mlo_testing_hbk_edRecord_understand-1.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_educationRecords\\mlo_testing_hbk_edRecord_understand-1.md",
      "headings": [
        "Understand Your Education Record {#xd_f3406d6d8c40c5b7--8040794-1911e21e763--7ff8 .reference}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_educationRecords/mlo_testing_hbk_edRecord_understand-1.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_educationRecords/mlo_testing_hbk_edRecord_understand.md:chunk-0",
      "title": "Understand Your Education Record {#xd_f3406d6d8c40c5b7--8040794-1911e21e763--7ff8 .reference}",
      "content": "# Understand Your Education Record \n\nThe top of the record displays CE requirements, and the bottom displays PE requirements.\n\n-   The top of the record defaults to current year CE requirements.\n-   The record is organized by year; scroll or click to expand sections to see past years.\n-   Scroll to the bottom of the page to see PE.\n\n= Compliant\n:   You have met requirements.\n\n= Pending\n:   You have not met requirements.\n\nNo Federal/State CE Requirements\n:   No CE requirement for that year.\n\nN/A\n:   Compliance is not tracked in the Federal General Electives category.\n\nNo education records to display.\n:   No course completions have been reported to NMLS. Check with your course provider if you have completed a course and it is not showing.\n\n has a gray/blue banner. CE is organized by years.\")\n\n has a green banner.\")\n\n – represents courses banked by the course provider.\")\n\nSee the State-Specific Education Requirements \\(PE and CE\\) for detailed education requirements by state agency.\n\n**Parent topic:**Education Record",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_educationRecords\\mlo_testing_hbk_edRecord_understand.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_educationRecords\\mlo_testing_hbk_edRecord_understand.md",
      "headings": [
        "Understand Your Education Record {#xd_f3406d6d8c40c5b7--8040794-1911e21e763--7ff8 .reference}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_educationRecords/mlo_testing_hbk_edRecord_understand.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_educationRecords/mlo_testing_hbk_educationRecord-1.md:chunk-0",
      "title": "Education Record {#xd_f3406d6d8c40c5b7--8040794-1911e21e763--7ff9 .task}",
      "content": "# Education Record \n\nView the Education Record in your NMLS account to verify the course\\(s\\) you completed was reported, confirm your education compliance, and find pending requirements.\n\nThis topic explains how a state-licensed individual can view their own education record in NMLS Connect. If you are a company user trying to see your sponsored MLO's education records, see Viewing MLO Education Records.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Select the **View Education Completion Record** tile in the Quick Links section.\n\n    The View Education Completion Record window opens in a lightbox on your screen.\n\n-   **Understand Your Education Record**  \nThe top of the record displays CE requirements, and the bottom displays PE requirements.\n\n**Parent topic:**Complete NMLS Approved Courses",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_educationRecords\\mlo_testing_hbk_educationRecord-1.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_educationRecords\\mlo_testing_hbk_educationRecord-1.md",
      "headings": [
        "Education Record {#xd_f3406d6d8c40c5b7--8040794-1911e21e763--7ff9 .task}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_educationRecords/mlo_testing_hbk_educationRecord-1.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_educationRecords/mlo_testing_hbk_educationRecord-2.md:chunk-0",
      "title": "Education Record {#xd_f3406d6d8c40c5b7--8040794-1911e21e763--7ff9 .task}",
      "content": "# Education Record \n\nView the Education Record in your NMLS account to verify the course\\(s\\) you completed was reported, confirm your education compliance, and find pending requirements.\n\nThis topic explains how a state-licensed individual can view their own education record in NMLS Connect. If you are a company user trying to see your sponsored MLO's education records, see Viewing MLO Education Records.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Select the **View Education Completion Record** tile in the Quick Links section.\n\n    The View Education Completion Record window opens in a lightbox on your screen.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_educationRecords\\mlo_testing_hbk_educationRecord-2.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_educationRecords\\mlo_testing_hbk_educationRecord-2.md",
      "headings": [
        "Education Record {#xd_f3406d6d8c40c5b7--8040794-1911e21e763--7ff9 .task}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_educationRecords/mlo_testing_hbk_educationRecord-2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_educationRecords/mlo_testing_hbk_educationRecord.md:chunk-0",
      "title": "Education Record {#xd_f3406d6d8c40c5b7--8040794-1911e21e763--7ff9 .task}",
      "content": "# Education Record \n\nView the Education Record in your NMLS account to verify the course\\(s\\) you completed was reported, confirm your education compliance, and find pending requirements.\n\nThis topic explains how a state-licensed individual can view their own education record in NMLS Connect. If you are a company user trying to see your sponsored MLO's education records, see Viewing MLO Education Records.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Select the **View Education Completion Record** tile in the Quick Links section.\n\n    The View Education Completion Record window opens in a lightbox on your screen.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_educationRecords\\mlo_testing_hbk_educationRecord.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_educationRecords\\mlo_testing_hbk_educationRecord.md",
      "headings": [
        "Education Record {#xd_f3406d6d8c40c5b7--8040794-1911e21e763--7ff9 .task}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_educationRecords/mlo_testing_hbk_educationRecord.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_faq/mlo_testing_hbk_FAQ.md:chunk-0",
      "title": "SAFE MLO Testing FAQ {#mlo_testing_hbk_FAQ .concept}",
      "content": "# SAFE MLO Testing FAQ \n\n## Q. How do I prepare and enroll to take the SAFE MLO Test? \n\nA. The MLO Testing Handbook, has specific information on how to enroll. When studying for the test, be sure to also review the SAFE MLO National Test with Uniform State Test Content Outline.\n\n## Q. What is the cost to take the SAFE MLO Test? \n\nA. The SAFE MLO Test costs $110.\n\n## Q. Do I need to take a course prior to taking the test? \n\nA. No, you are not required to take a pre-licensure course prior to taking the test. Regardless of whether you choose to complete a preparation course prior to taking the test, you are still required to complete at least 20 hours of pre-licensure education. Click State-Specific Education Requirements \\(PE and CE\\) for the list of state-specific education requirements.\n\n## Q. Do I need to pass the SAFE MLO Test more than once if I would like to be licensed in more than one state? \n\nA. No, the SAFE MLO Test needs only to be passed once. Passing the SAFE MLO Test meets the state-specific test requirements for state agencies. See below for information about when test results expire.\n\n## Q. For how long will my test result be valid? \n\nA. Section 1505\\(d\\) of the S.A.F.E. Mortgage Licensing Act states,\n\n> \"...\\[a\\] state licensed loan originator who fails to maintain a valid license for a period of 5 years or longer shall retake the test, not taking into account any time during which such individual is a registered loan originator.\"\n\nTherefore, if mortgage loan originators leave the mortgage industry, or pass any component of the SAFE MLO Test but don't obtain a license or active federal registration, for a period of five consecutive years, their previously passed test results will expire and they will be required to retest to obtain licensure. For more information, please refer to the Test Expiration Policy document and FAQ on the NMLS Resource Center.\n\n## Q. If I work for a Commercial Bank do I need to take the SAFE MLO Test? \n\nA. If you work for an i",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_faq\\mlo_testing_hbk_FAQ.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_faq\\mlo_testing_hbk_FAQ.md",
      "headings": [
        "SAFE MLO Testing FAQ {#mlo_testing_hbk_FAQ .concept}",
        "Q. How do I prepare and enroll to take the SAFE MLO Test? {#section_xs4_fdn_mbc .section}",
        "Q. What is the cost to take the SAFE MLO Test? {#section_pjx_jdn_mbc .section}",
        "Q. Do I need to take a course prior to taking the test? {#section_tbk_kdn_mbc .section}",
        "Q. Do I need to pass the SAFE MLO Test more than once if I would like to be licensed in more than one state? {#section_xcx_kdn_mbc .section}",
        "Q. For how long will my test result be valid? {#section_vlf_ndn_mbc .section}",
        "Q. If I work for a Commercial Bank do I need to take the SAFE MLO Test? {#section_f31_4dn_mbc .section}",
        "Q. If I am a state-licensed MLO who wants to be licensed in one state but live in another, will I be able to take the state test at a local testing location? For example, if I want to be licensed in Arizona but live in Maryland, will I be able to take the Arizona test locally? {#section_qsq_4dn_mbc .section}",
        "Q. What is the length of the test? {#section_t24_pdn_mbc .section}",
        "Q. I've selected and paid for an enrollment window, but the enrollment period does not start right away. Why? {#section_tz2_qdn_mbc .section}",
        "Q. What if I need to cancel or reschedule my testing appointment? {#section_tys_qdn_mbc .section}",
        "Q. What should I bring with me to the test center? {#section_czz_rdn_mbc .section}",
        "Q. Can I bring a calculator and/or scratch paper into the test center? {#section_zbm_sdn_mbc .section}",
        "Q. Are we allowed to take restroom breaks during the test? {#section_llw_sdn_mbc .section}",
        "Q. What am I allowed to bring into the test center? {#section_y1j_52n_mbc .section}",
        "Q. How will the tests be scored? {#section_t51_v2n_mbc .section}",
        "Q. What score do I need to get to pass the test? {#section_whm_v2n_mbc .section}",
        "Q. Why are there un-scored questions on the test? {#section_mhc_w2n_mbc .section}",
        "Q. What is the SAFE MLO Test pass rate? {#section_cxn_w2n_mbc .section}",
        "Q. I have a disability and need a special accommodation for the test. What do I need to do? {#section_cb1_x2n_mbc .section}",
        "Q. What does it mean that my test has any Legislative Updates? {#section_jv5_x2n_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_faq/mlo_testing_hbk_FAQ.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_faq/mlo_testing_hbk_FAQ.md:chunk-1",
      "title": "SAFE MLO Testing FAQ {#mlo_testing_hbk_FAQ .concept}",
      "content": "ormation, please refer to the Test Expiration Policy document and FAQ on the NMLS Resource Center.\n\n## Q. If I work for a Commercial Bank do I need to take the SAFE MLO Test? \n\nA. If you work for an insured depository regulated by OCC, OTS, FDIC, FRB and NCUA or the Farm Credit Administration you are not required to take the National Test. As a registrant you are eligible to take the National Test.\n\n## Q. If I am a state-licensed MLO who wants to be licensed in one state but live in another, will I be able to take the state test at a local testing location? For example, if I want to be licensed in Arizona but live in Maryland, will I be able to take the Arizona test locally? \n\nA. Yes. The test is available at all Prometric test centers and via Online Proctored Testing.\n\n## Q. What is the length of the test? \n\nA. The SAFE MLO Test is 190 minutes.\n\n## Q. I've selected and paid for an enrollment window, but the enrollment period does not start right away. Why? \n\nA. Typically, the enrollment window begins with the current date. However, if a candidate has recently failed the test, the new enrollment window will start on the first date after the required waiting period. See the Testing Page for specifics on how to view a test enrollment window.\n\n## Q. What if I need to cancel or reschedule my testing appointment? \n\nA. Test enrollment fees are non-refundable and non-transferable. You may cancel or reschedule a reservation by contacting the Prometric call center or online. You must cancel or reschedule your test no later than 11:59p.m. Eastern Time **two business days** prior to your scheduled appointment. Failure to follow the cancellation/reschedule policy or failure to show up for a scheduled test will result in the test enrollment window being closed, and loss of the enrollment fee. A candidate must request and pay for a new enrollment window prior to scheduling a new test appointment.\n\n## Q. What should I bring with me to the test center? \n\nA. You must bring one form ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_faq\\mlo_testing_hbk_FAQ.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_faq\\mlo_testing_hbk_FAQ.md",
      "headings": [
        "SAFE MLO Testing FAQ {#mlo_testing_hbk_FAQ .concept}",
        "Q. How do I prepare and enroll to take the SAFE MLO Test? {#section_xs4_fdn_mbc .section}",
        "Q. What is the cost to take the SAFE MLO Test? {#section_pjx_jdn_mbc .section}",
        "Q. Do I need to take a course prior to taking the test? {#section_tbk_kdn_mbc .section}",
        "Q. Do I need to pass the SAFE MLO Test more than once if I would like to be licensed in more than one state? {#section_xcx_kdn_mbc .section}",
        "Q. For how long will my test result be valid? {#section_vlf_ndn_mbc .section}",
        "Q. If I work for a Commercial Bank do I need to take the SAFE MLO Test? {#section_f31_4dn_mbc .section}",
        "Q. If I am a state-licensed MLO who wants to be licensed in one state but live in another, will I be able to take the state test at a local testing location? For example, if I want to be licensed in Arizona but live in Maryland, will I be able to take the Arizona test locally? {#section_qsq_4dn_mbc .section}",
        "Q. What is the length of the test? {#section_t24_pdn_mbc .section}",
        "Q. I've selected and paid for an enrollment window, but the enrollment period does not start right away. Why? {#section_tz2_qdn_mbc .section}",
        "Q. What if I need to cancel or reschedule my testing appointment? {#section_tys_qdn_mbc .section}",
        "Q. What should I bring with me to the test center? {#section_czz_rdn_mbc .section}",
        "Q. Can I bring a calculator and/or scratch paper into the test center? {#section_zbm_sdn_mbc .section}",
        "Q. Are we allowed to take restroom breaks during the test? {#section_llw_sdn_mbc .section}",
        "Q. What am I allowed to bring into the test center? {#section_y1j_52n_mbc .section}",
        "Q. How will the tests be scored? {#section_t51_v2n_mbc .section}",
        "Q. What score do I need to get to pass the test? {#section_whm_v2n_mbc .section}",
        "Q. Why are there un-scored questions on the test? {#section_mhc_w2n_mbc .section}",
        "Q. What is the SAFE MLO Test pass rate? {#section_cxn_w2n_mbc .section}",
        "Q. I have a disability and need a special accommodation for the test. What do I need to do? {#section_cb1_x2n_mbc .section}",
        "Q. What does it mean that my test has any Legislative Updates? {#section_jv5_x2n_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_faq/mlo_testing_hbk_FAQ.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_faq/mlo_testing_hbk_FAQ.md:chunk-2",
      "title": "SAFE MLO Testing FAQ {#mlo_testing_hbk_FAQ .concept}",
      "content": "lment fee. A candidate must request and pay for a new enrollment window prior to scheduling a new test appointment.\n\n## Q. What should I bring with me to the test center? \n\nA. You must bring one form of a current \\(non-expired\\) government-issued identification that includes your photograph and signature. Your name on your government issued ID needs to match exactly as it appears in your NMLS account.\n\n## Q. Can I bring a calculator and/or scratch paper into the test center? \n\nA. The testing center will provide a basic four-function calculator and white board that will function as scratch paper. The online SAFE MLO Test has an onscreen calculator and a virtual scratchpad included as part of your test.\n\n## Q. Are we allowed to take restroom breaks during the test? \n\nA. Yes, restroom breaks are permitted. However, the test clock will not stop while you are taking a break, and as a result, your test time will be shortened. Individuals are not, however, allowed to go anywhere other than the restroom on breaks. Candidates are not allowed to access their lockers while on break. For a full set of rules, see the Rules of Conduct for Test Takers.\n\n## Q. What am I allowed to bring into the test center? \n\nA. No personal items are permitted to be brought into the test center. This includes but is not limited to: cell phones, pagers, purses, wallets, coats, hats, etc. All of these items must be locked in a secure locker upon arrival. Also, no food or drink is permitted in the test center.\n\n## Q. How will the tests be scored? \n\nA. The test will be scored electronically. In most cases, once a candidate has finished taking the test, the candidate's score and test result \\(pass/fail designation\\) will appear on the screen. Before departing the test center, a printed score report will be presented to the candidate by the test center administrator. Approximately 72 hours after the test is completed, NMLS will post the official score and results to the Testing Information section under",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_faq\\mlo_testing_hbk_FAQ.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_faq\\mlo_testing_hbk_FAQ.md",
      "headings": [
        "SAFE MLO Testing FAQ {#mlo_testing_hbk_FAQ .concept}",
        "Q. How do I prepare and enroll to take the SAFE MLO Test? {#section_xs4_fdn_mbc .section}",
        "Q. What is the cost to take the SAFE MLO Test? {#section_pjx_jdn_mbc .section}",
        "Q. Do I need to take a course prior to taking the test? {#section_tbk_kdn_mbc .section}",
        "Q. Do I need to pass the SAFE MLO Test more than once if I would like to be licensed in more than one state? {#section_xcx_kdn_mbc .section}",
        "Q. For how long will my test result be valid? {#section_vlf_ndn_mbc .section}",
        "Q. If I work for a Commercial Bank do I need to take the SAFE MLO Test? {#section_f31_4dn_mbc .section}",
        "Q. If I am a state-licensed MLO who wants to be licensed in one state but live in another, will I be able to take the state test at a local testing location? For example, if I want to be licensed in Arizona but live in Maryland, will I be able to take the Arizona test locally? {#section_qsq_4dn_mbc .section}",
        "Q. What is the length of the test? {#section_t24_pdn_mbc .section}",
        "Q. I've selected and paid for an enrollment window, but the enrollment period does not start right away. Why? {#section_tz2_qdn_mbc .section}",
        "Q. What if I need to cancel or reschedule my testing appointment? {#section_tys_qdn_mbc .section}",
        "Q. What should I bring with me to the test center? {#section_czz_rdn_mbc .section}",
        "Q. Can I bring a calculator and/or scratch paper into the test center? {#section_zbm_sdn_mbc .section}",
        "Q. Are we allowed to take restroom breaks during the test? {#section_llw_sdn_mbc .section}",
        "Q. What am I allowed to bring into the test center? {#section_y1j_52n_mbc .section}",
        "Q. How will the tests be scored? {#section_t51_v2n_mbc .section}",
        "Q. What score do I need to get to pass the test? {#section_whm_v2n_mbc .section}",
        "Q. Why are there un-scored questions on the test? {#section_mhc_w2n_mbc .section}",
        "Q. What is the SAFE MLO Test pass rate? {#section_cxn_w2n_mbc .section}",
        "Q. I have a disability and need a special accommodation for the test. What do I need to do? {#section_cb1_x2n_mbc .section}",
        "Q. What does it mean that my test has any Legislative Updates? {#section_jv5_x2n_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_faq/mlo_testing_hbk_FAQ.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_faq/mlo_testing_hbk_FAQ.md:chunk-3",
      "title": "SAFE MLO Testing FAQ {#mlo_testing_hbk_FAQ .concept}",
      "content": " presented to the candidate by the test center administrator. Approximately 72 hours after the test is completed, NMLS will post the official score and results to the Testing Information section under the Composite View of the NMLS record.\n\n## Q. What score do I need to get to pass the test? \n\nA. By law, all candidates seeking state-licensure, or currently holding a state license, are required to pass the SAFE MLO Test with a score not less than 75%.\n\n## Q. Why are there un-scored questions on the test? \n\nA. The pre-test \\(un-scored\\) questions appearing on the test do not affect the candidate’s score or the pass/fail result. These pre-test questions are being pilot tested for future use. Once these pre-test questions are adequately tested, these questions will be considered for use as scored test questions on future NMLS tests. The pre-test questions appear on the test in random order. The candidate will not know which questions are pre-test and which questions are scored.\n\n## Q. What is the SAFE MLO Test pass rate? \n\nA. The pass rate for the SAFE MLO Test is published and frequently updated on the NMLS Resource Center. See Test Performance Information.\n\n## Q. I have a disability and need a special accommodation for the test. What do I need to do? \n\nA. In compliance with the provisions of the Americans with Disabilities Act \\(ADA\\), reasonable testing accommodations with modifications and aids will be provided to candidates who satisfy the testing accommodation criteria. Please see 5.0 Testing Accommodations for more information.\n\n## Q. What does it mean that my test has any Legislative Updates? \n\nA. Legislative changes may occur throughout the test administration cycle. Candidates are responsible for keeping abreast of changes made to the applicable statutes, regulations, and rules regardless of whether they appear on the outline or the test.\n\n**Parent topic:**MLO Testing FAQ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_faq\\mlo_testing_hbk_FAQ.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_faq\\mlo_testing_hbk_FAQ.md",
      "headings": [
        "SAFE MLO Testing FAQ {#mlo_testing_hbk_FAQ .concept}",
        "Q. How do I prepare and enroll to take the SAFE MLO Test? {#section_xs4_fdn_mbc .section}",
        "Q. What is the cost to take the SAFE MLO Test? {#section_pjx_jdn_mbc .section}",
        "Q. Do I need to take a course prior to taking the test? {#section_tbk_kdn_mbc .section}",
        "Q. Do I need to pass the SAFE MLO Test more than once if I would like to be licensed in more than one state? {#section_xcx_kdn_mbc .section}",
        "Q. For how long will my test result be valid? {#section_vlf_ndn_mbc .section}",
        "Q. If I work for a Commercial Bank do I need to take the SAFE MLO Test? {#section_f31_4dn_mbc .section}",
        "Q. If I am a state-licensed MLO who wants to be licensed in one state but live in another, will I be able to take the state test at a local testing location? For example, if I want to be licensed in Arizona but live in Maryland, will I be able to take the Arizona test locally? {#section_qsq_4dn_mbc .section}",
        "Q. What is the length of the test? {#section_t24_pdn_mbc .section}",
        "Q. I've selected and paid for an enrollment window, but the enrollment period does not start right away. Why? {#section_tz2_qdn_mbc .section}",
        "Q. What if I need to cancel or reschedule my testing appointment? {#section_tys_qdn_mbc .section}",
        "Q. What should I bring with me to the test center? {#section_czz_rdn_mbc .section}",
        "Q. Can I bring a calculator and/or scratch paper into the test center? {#section_zbm_sdn_mbc .section}",
        "Q. Are we allowed to take restroom breaks during the test? {#section_llw_sdn_mbc .section}",
        "Q. What am I allowed to bring into the test center? {#section_y1j_52n_mbc .section}",
        "Q. How will the tests be scored? {#section_t51_v2n_mbc .section}",
        "Q. What score do I need to get to pass the test? {#section_whm_v2n_mbc .section}",
        "Q. Why are there un-scored questions on the test? {#section_mhc_w2n_mbc .section}",
        "Q. What is the SAFE MLO Test pass rate? {#section_cxn_w2n_mbc .section}",
        "Q. I have a disability and need a special accommodation for the test. What do I need to do? {#section_cb1_x2n_mbc .section}",
        "Q. What does it mean that my test has any Legislative Updates? {#section_jv5_x2n_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_faq/mlo_testing_hbk_FAQ.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_faq/mlo_testing_hbk_FAQ.md:chunk-4",
      "title": "SAFE MLO Testing FAQ {#mlo_testing_hbk_FAQ .concept}",
      "content": "ons, and rules regardless of whether they appear on the outline or the test.\n\n**Parent topic:**MLO Testing FAQ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_faq\\mlo_testing_hbk_FAQ.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_faq\\mlo_testing_hbk_FAQ.md",
      "headings": [
        "SAFE MLO Testing FAQ {#mlo_testing_hbk_FAQ .concept}",
        "Q. How do I prepare and enroll to take the SAFE MLO Test? {#section_xs4_fdn_mbc .section}",
        "Q. What is the cost to take the SAFE MLO Test? {#section_pjx_jdn_mbc .section}",
        "Q. Do I need to take a course prior to taking the test? {#section_tbk_kdn_mbc .section}",
        "Q. Do I need to pass the SAFE MLO Test more than once if I would like to be licensed in more than one state? {#section_xcx_kdn_mbc .section}",
        "Q. For how long will my test result be valid? {#section_vlf_ndn_mbc .section}",
        "Q. If I work for a Commercial Bank do I need to take the SAFE MLO Test? {#section_f31_4dn_mbc .section}",
        "Q. If I am a state-licensed MLO who wants to be licensed in one state but live in another, will I be able to take the state test at a local testing location? For example, if I want to be licensed in Arizona but live in Maryland, will I be able to take the Arizona test locally? {#section_qsq_4dn_mbc .section}",
        "Q. What is the length of the test? {#section_t24_pdn_mbc .section}",
        "Q. I've selected and paid for an enrollment window, but the enrollment period does not start right away. Why? {#section_tz2_qdn_mbc .section}",
        "Q. What if I need to cancel or reschedule my testing appointment? {#section_tys_qdn_mbc .section}",
        "Q. What should I bring with me to the test center? {#section_czz_rdn_mbc .section}",
        "Q. Can I bring a calculator and/or scratch paper into the test center? {#section_zbm_sdn_mbc .section}",
        "Q. Are we allowed to take restroom breaks during the test? {#section_llw_sdn_mbc .section}",
        "Q. What am I allowed to bring into the test center? {#section_y1j_52n_mbc .section}",
        "Q. How will the tests be scored? {#section_t51_v2n_mbc .section}",
        "Q. What score do I need to get to pass the test? {#section_whm_v2n_mbc .section}",
        "Q. Why are there un-scored questions on the test? {#section_mhc_w2n_mbc .section}",
        "Q. What is the SAFE MLO Test pass rate? {#section_cxn_w2n_mbc .section}",
        "Q. I have a disability and need a special accommodation for the test. What do I need to do? {#section_cb1_x2n_mbc .section}",
        "Q. What does it mean that my test has any Legislative Updates? {#section_jv5_x2n_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_faq/mlo_testing_hbk_FAQ.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_faq/mlo_testing_hbk_FAQ_chapterstart.md:chunk-0",
      "title": "MLO Testing FAQ {#xd_e222e7fa28421aa9--1aaa0fe5-19021998458--7ffa .concept}",
      "content": "# MLO Testing FAQ \n\nFind answers to common questions about the SAFE MLO Test, online proctored test delivery, and test expiration.\n\n-   **SAFE MLO Testing FAQ**  \n\n-   **Online Proctored SAFE MLO Test Delivery FAQs**  \n\n-   **Test Expiration Policy & Frequently Asked Questions**",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_faq\\mlo_testing_hbk_FAQ_chapterstart.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_faq\\mlo_testing_hbk_FAQ_chapterstart.md",
      "headings": [
        "MLO Testing FAQ {#xd_e222e7fa28421aa9--1aaa0fe5-19021998458--7ffa .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_faq/mlo_testing_hbk_FAQ_chapterstart.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_faq/mlo_testing_hbk_FAQ_educLateCE.md:chunk-0",
      "title": "Education FAQ - Late CE {#xd_f3406d6d8c40c5b7--8040794-1911e21e763--7ff4 .concept}",
      "content": "# Education FAQ - Late CE \n\nMake-up CE for previous year.\n\n## Q. How do I make-up CE from a previous year? \n\nA. To make-up CE from a previous year you must complete Late CE. NMLS maintains a Late CE Catalog. These are the only courses that can be taken to make-up CE. See the Late CE Course Catalog for more information.\n\n## Q. When is Late CE required? \n\nA. Late CE is required during the annual reinstatement period. Late CE is also required if an MLO left and is returning to the industry and is used to satisfy CE requirements that were not completed in the last year the MLO held the license.\n\n**Note:** if more than three years have passed, PE will have expired and you will be required to retake PE instead of Late CE.\n\n## Q. Does NMLS track state-specific Late CE? \n\nA. Yes. Course providers will report state-specific Late CE just like they do other courses and the system will automatically apply the Late CE to the appropriate year. In the event of an exception, the reported Late CE will be processed and manually applied to the correct year.\n\n**Parent topic:**Education FAQ - NMLS Approved Education for MLO Licensure",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_faq\\mlo_testing_hbk_FAQ_educLateCE.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_faq\\mlo_testing_hbk_FAQ_educLateCE.md",
      "headings": [
        "Education FAQ - Late CE {#xd_f3406d6d8c40c5b7--8040794-1911e21e763--7ff4 .concept}",
        "Q. How do I make-up CE from a previous year? {#section_pgv_hn4_3cc .section}",
        "Q. When is Late CE required? {#section_osb_3n4_3cc .section}",
        "Q. Does NMLS track state-specific Late CE? {#section_mbh_3n4_3cc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_faq/mlo_testing_hbk_FAQ_educLateCE.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_faq/mlo_testing_hbk_FAQ_educMisc.md:chunk-0",
      "title": "Education FAQ - Miscellaneous {#xd_f3406d6d8c40c5b7--8040794-1911e21e763--7ff2 .concept}",
      "content": "# Education FAQ - Miscellaneous \n\n## Q. How does NMLS know what the education requirements are for each agency? \n\nA. NMLS is programmed with Federal PE and CE requirements as required by the SAFE Act. State-specific PE and CE requirements are set by each state agency through a license setting interface based on requirements set forth in state statute or regulation. Every agency can set their own state-specific requirements for each of their license types. NMLS performs compliance checks at the time of application for PE, and sets the CE requirement when the license is approved.\n\n## Q. What if an agency wants to change its state-specific education requirements? \n\nA. State agencies can modify their state-specific education requirements at any time with advance notice. The advance notice is required to ensure industry is aware of the new requirement and so course providers can modify courses.\n\n## Q. What happens if an agency changes its PE or CE hour requirements? \n\nA. If there is a change to PE requirements any applicant will be required to meet the new requirements on or after the effective date of the new requirement. For example, if an agency changes their PE requirement from 2 hours to 4 hours of state-specific education effective July 1, any application filed and in a pending status as of June 30th, will remain compliant for having met the 2 hour requirement. Any application submitted on or after July 1 will not be accepted if the individual has not completed the 4 hours of state-specific education.\n\nIf a state agency changes its CE requirements at any time during the calendar year, all MLO’s licensed with that agency will be required to meet the new hour requirement even if they were already CE compliant. For example, if an agency had a requirement for 8 hours of CE on 1/1/2017, and then the agency changes their requirement to include 1 hour of state-specific CE effective July 1, 2021, any MLO that was already CE compliant as of 6/30/2021 will now have to comple",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_faq\\mlo_testing_hbk_FAQ_educMisc.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_faq\\mlo_testing_hbk_FAQ_educMisc.md",
      "headings": [
        "Education FAQ - Miscellaneous {#xd_f3406d6d8c40c5b7--8040794-1911e21e763--7ff2 .concept}",
        "Q. How does NMLS know what the education requirements are for each agency? {#section_rf3_wkp_3cc .section}",
        "Q. What if an agency wants to change its state-specific education requirements? {#section_ewd_xkp_3cc .section}",
        "Q. What happens if an agency changes its PE or CE hour requirements? {#section_ebx_wkp_3cc .section}",
        "Q. If I work for a commercial bank or other federally chartered institution, do I need to take the SAFE-required education courses? {#section_qdr_wkp_3cc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_faq/mlo_testing_hbk_FAQ_educMisc.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_faq/mlo_testing_hbk_FAQ_educMisc.md:chunk-1",
      "title": "Education FAQ - Miscellaneous {#xd_f3406d6d8c40c5b7--8040794-1911e21e763--7ff2 .concept}",
      "content": " on 1/1/2017, and then the agency changes their requirement to include 1 hour of state-specific CE effective July 1, 2021, any MLO that was already CE compliant as of 6/30/2021 will now have to complete the 1 hour of state-specific education.\n\n## Q. If I work for a commercial bank or other federally chartered institution, do I need to take the SAFE-required education courses? \n\nA. Non-state-licensed MLOs do not have the same formal CE requirements as state-licensed MLOs. The CFPB’s final rule on **Reg Z \\(Part 1026.36\\(f\\)** states in part:\n\n> Loan Officers will receive periodic training covering Federal and State law requirements that apply to the individual loan originator’s loan origination activities. Unlike for state licensed MLOs, the final rule is not prescriptive on the education requirements and is deliberately board as it is intended to take into consideration the types of activities a registered MLO performs daily.\n\n**Parent topic:**Education FAQ - NMLS Approved Education for MLO Licensure",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_faq\\mlo_testing_hbk_FAQ_educMisc.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_faq\\mlo_testing_hbk_FAQ_educMisc.md",
      "headings": [
        "Education FAQ - Miscellaneous {#xd_f3406d6d8c40c5b7--8040794-1911e21e763--7ff2 .concept}",
        "Q. How does NMLS know what the education requirements are for each agency? {#section_rf3_wkp_3cc .section}",
        "Q. What if an agency wants to change its state-specific education requirements? {#section_ewd_xkp_3cc .section}",
        "Q. What happens if an agency changes its PE or CE hour requirements? {#section_ebx_wkp_3cc .section}",
        "Q. If I work for a commercial bank or other federally chartered institution, do I need to take the SAFE-required education courses? {#section_qdr_wkp_3cc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_faq/mlo_testing_hbk_FAQ_educMisc.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_faq/mlo_testing_hbk_FAQ_educ_CE.md:chunk-0",
      "title": "Education FAQ - Continuing Education \\(CE\\) {#xd_f3406d6d8c40c5b7--8040794-1911e21e763--7ff6 .concept}",
      "content": "# Education FAQ - Continuing Education \\(CE\\) \n\n## Q. What are the Continuing Education \\(CE\\) requirements? \n\nA. Federal and State law requires MLOs to complete a minimum of eight \\(8\\) hours of annual CE which must include the following:\n\n1.  Three \\(3\\) hours of Federal law and regulations;\n2.  Two \\(2\\) hours of ethics that shall include instruction on fraud, consumer protection, and fair lending issues;\n3.  Two \\(2\\) hours of training related to lending standards for the nontraditional mortgage product market; and\n4.  One \\(1\\) hour of undefined instruction on mortgage origination.\n\n**Attention:** Many state agencies also have state-specific CE requirements. See the State-Specific Education Requirements \\(PE and CE\\) for details.\n\n## Q. What are SMART Deadlines? \n\n1.  SMART Deadlines are set each year to help ensure MLOs complete their CE in time for courses to be reported into NMLS and to allow time for submitting the renewal application.\n\n**Note:** Find the SMART Deadlines in the State-Specific Education Requirements \\(PE and CE\\).\n\n## Q. When do I need to complete CE? \n\nA. The CE requirement is set based on license approval date and is required to be completed prior to submitting for license renewal. See the State-Specific Education Requirements \\(PE and CE\\) for additional details and deadlines.\n\n## Q. Will NMLS block renewal for a license if the MLO is not CE compliant? \n\nA. Yes. NMLS will validate the MLO is compliant with BOTH Federal and State annual CE requirements as a condition for applying for renewal.\n\n## Q. Can I take the same CE course two years in a row? \n\nA. No, the SAFE Act specifically prohibits the taking of the same course in successive years. See the SAFE Act's Successive Year Rule.\n\n## Q. Will the system place a license item for CE? \n\nA. The system will automatically place a license item on each MLO license if the MLO is not yet CE compliant for the license on or around July 15 of that year. The license setting will be cleared by the syst",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_faq\\mlo_testing_hbk_FAQ_educ_CE.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_faq\\mlo_testing_hbk_FAQ_educ_CE.md",
      "headings": [
        "Education FAQ - Continuing Education \\(CE\\) {#xd_f3406d6d8c40c5b7--8040794-1911e21e763--7ff6 .concept}",
        "Q. What are the Continuing Education \\(CE\\) requirements? {#section_kxn_r3n_3cc .section}",
        "Q. What are SMART Deadlines? {#section_gw4_x3n_3cc .section}",
        "Q. When do I need to complete CE? {#section_b1x_x3n_3cc .section}",
        "Q. Will NMLS block renewal for a license if the MLO is not CE compliant? {#section_etm_y3n_3cc .section}",
        "Q. Can I take the same CE course two years in a row? {#section_cqx_y3n_3cc .section}",
        "Q. Will the system place a license item for CE? {#section_fjs_y3n_3cc .section}",
        "Q. Are MLOs notified if CE is required? {#section_hd2_z3n_3cc .section}",
        "Q. Why does my record show “Pending CE” for this year? {#section_yd3_z3n_3cc .section}",
        "Q. When is CE required? {#section_jkn_z3n_3cc .section}",
        "Q. What if an MLO completed state-specific PE this year, are they still required to complete CE? {#section_vxk_1jn_3cc .section}",
        "Q. What if an MLO is licensed on November 15? {#section_v3q_1jn_3cc .section}",
        "Q. What about CE compliance for MU2 individuals? {#section_p5x_1jn_3cc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_faq/mlo_testing_hbk_FAQ_educ_CE.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_faq/mlo_testing_hbk_FAQ_educ_CE.md:chunk-1",
      "title": "Education FAQ - Continuing Education \\(CE\\) {#xd_f3406d6d8c40c5b7--8040794-1911e21e763--7ff6 .concept}",
      "content": "system will automatically place a license item on each MLO license if the MLO is not yet CE compliant for the license on or around July 15 of that year. The license setting will be cleared by the system once the MLO has become compliant for CE \\(both federal and any state requirement\\).\n\n## Q. Are MLOs notified if CE is required? \n\nNMLS sends monthly CE notifications as reminder that CE needs to be completed.\n\n**Note:** The notice has nothing to do with any previous year’s CE requirements and your current license\\(s\\) is/are not impacted.\n\n## Q. Why does my record show “Pending CE” for this year? \n\nThe course completion record shows “pending” for the current year because on January 1 the system set a CE requirement for the new calendar year. For example, just as you may have completed CE in 2023 to renew a license for 2024, you will be required to complete CE in 2024 to renew the license for 2025.\n\n## Q. When is CE required? \n\nA. CE is required in the same year as licensure unless Federal PE was also completed that year. See State-Specific Education Requirements \\(PE and CE\\) for the Uniform CE policy.\n\n## Q. What if an MLO completed state-specific PE this year, are they still required to complete CE? \n\nA. Yes. If an MLO is already licensed with Federal PE compliance in a previous year and completes state-specific PE for another license, the MLO is still required to complete CE for that agency for the current year. For example: An MLO is licensed in OR in 2016; in 2021, they complete 4 hours of WA state-specific PE and are granted a WA license on 6/12/21. The MLO is still required to complete CE in 2021 \\(including the 1hour of WA CE state-specific\\) as condition for renewal in both OR and WA.\n\n## Q. What if an MLO is licensed on November 15? \n\nA. If an MLO is licensed between November 1 and December 31 of any year, they will not be required to complete CE for that year. On Jan 1, YYYY, NMLS will automatically set the CE requirement for the next year. However, if th",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_faq\\mlo_testing_hbk_FAQ_educ_CE.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_faq\\mlo_testing_hbk_FAQ_educ_CE.md",
      "headings": [
        "Education FAQ - Continuing Education \\(CE\\) {#xd_f3406d6d8c40c5b7--8040794-1911e21e763--7ff6 .concept}",
        "Q. What are the Continuing Education \\(CE\\) requirements? {#section_kxn_r3n_3cc .section}",
        "Q. What are SMART Deadlines? {#section_gw4_x3n_3cc .section}",
        "Q. When do I need to complete CE? {#section_b1x_x3n_3cc .section}",
        "Q. Will NMLS block renewal for a license if the MLO is not CE compliant? {#section_etm_y3n_3cc .section}",
        "Q. Can I take the same CE course two years in a row? {#section_cqx_y3n_3cc .section}",
        "Q. Will the system place a license item for CE? {#section_fjs_y3n_3cc .section}",
        "Q. Are MLOs notified if CE is required? {#section_hd2_z3n_3cc .section}",
        "Q. Why does my record show “Pending CE” for this year? {#section_yd3_z3n_3cc .section}",
        "Q. When is CE required? {#section_jkn_z3n_3cc .section}",
        "Q. What if an MLO completed state-specific PE this year, are they still required to complete CE? {#section_vxk_1jn_3cc .section}",
        "Q. What if an MLO is licensed on November 15? {#section_v3q_1jn_3cc .section}",
        "Q. What about CE compliance for MU2 individuals? {#section_p5x_1jn_3cc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_faq/mlo_testing_hbk_FAQ_educ_CE.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_faq/mlo_testing_hbk_FAQ_educ_CE.md:chunk-2",
      "title": "Education FAQ - Continuing Education \\(CE\\) {#xd_f3406d6d8c40c5b7--8040794-1911e21e763--7ff6 .concept}",
      "content": "between November 1 and December 31 of any year, they will not be required to complete CE for that year. On Jan 1, YYYY, NMLS will automatically set the CE requirement for the next year. However, if the license status date is entered with a date prior to November 1 during the renewal period, the MLO will be required to complete CE for that year.\n\n## Q. What about CE compliance for MU2 individuals? \n\nA. NMLS is not currently tracking CE compliance for MU2 individuals. However, requirements for MU2 individuals are listed on the charts and the requirements are being manually reviewed by relevant state agencies. Look up an agency in the State-Specific Education Requirements \\(PE and CE\\)\n\n**Parent topic:**Education FAQ - NMLS Approved Education for MLO Licensure",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_faq\\mlo_testing_hbk_FAQ_educ_CE.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_faq\\mlo_testing_hbk_FAQ_educ_CE.md",
      "headings": [
        "Education FAQ - Continuing Education \\(CE\\) {#xd_f3406d6d8c40c5b7--8040794-1911e21e763--7ff6 .concept}",
        "Q. What are the Continuing Education \\(CE\\) requirements? {#section_kxn_r3n_3cc .section}",
        "Q. What are SMART Deadlines? {#section_gw4_x3n_3cc .section}",
        "Q. When do I need to complete CE? {#section_b1x_x3n_3cc .section}",
        "Q. Will NMLS block renewal for a license if the MLO is not CE compliant? {#section_etm_y3n_3cc .section}",
        "Q. Can I take the same CE course two years in a row? {#section_cqx_y3n_3cc .section}",
        "Q. Will the system place a license item for CE? {#section_fjs_y3n_3cc .section}",
        "Q. Are MLOs notified if CE is required? {#section_hd2_z3n_3cc .section}",
        "Q. Why does my record show “Pending CE” for this year? {#section_yd3_z3n_3cc .section}",
        "Q. When is CE required? {#section_jkn_z3n_3cc .section}",
        "Q. What if an MLO completed state-specific PE this year, are they still required to complete CE? {#section_vxk_1jn_3cc .section}",
        "Q. What if an MLO is licensed on November 15? {#section_v3q_1jn_3cc .section}",
        "Q. What about CE compliance for MU2 individuals? {#section_p5x_1jn_3cc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_faq/mlo_testing_hbk_FAQ_educ_CE.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_faq/mlo_testing_hbk_FAQ_educ_PE.md:chunk-0",
      "title": "Education FAQ - Pre-licensure Education \\(PE\\) {#xd_f3406d6d8c40c5b7--8040794-1911e21e763--7ff7 .concept}",
      "content": "# Education FAQ - Pre-licensure Education \\(PE\\) \n\n## Q. What are MLO Pre-Licensure Education \\(PE\\) requirements? \n\nA. Federal and state law \\(SAFE Act\\) requires state-licensed mortgage loan originators \\(MLOs\\) to complete PE. The minimum requirement is 20 hours of NMLS approved education which includes the following:\n\n1.  Three \\(3\\) hours of Federal law and regulations;\n2.  Three \\(3\\) hours of ethics that shall include instruction on fraud, consumer protection, and fair lending issues;\n3.  Two \\(2\\) hours related to lending standards for the nontraditional mortgage product market; and\n4.  Twelve \\(12\\) hours of undefined instruction on mortgage origination\n\n**Attention:** Many state agencies also have state-specific PE requirements. See the State-Specific Education Requirements \\(PE and CE\\) for details.\n\n## Q. When do I need to complete the 20 hours of PE? \n\nA. The 20 hours of PE \\(as well as any state-specific PE\\) is required to be completed prior to license application.\n\n## Q. When do I need to complete PE for Temporary Authority to Operate? \n\nA. MLOs need to complete federal and state education requirements within 120 days of their Temporary Authority start date. See the State-Specific Education Requirements for the Education and NMLS Policy Guide: Temporary Authority for details.\n\n**SMART Temporary Authority Deadlines:** The following deadlines take into consideration the time required to complete education, for information to be reported, and for the education record to be updated in NMLS.\n\nSMART TA\n:   Requirements and Education Record is Updated within 90 Days of Temporary Authority\n\nTA At Risk\n:   Requirements and Education Record is Not Updated at 100 Days of Temporary Authority\n\nPROBABLY GUARANTEED LOSS OF TA\n:   Requirements and Education Record Not Updated at 100 Days of Temporary Authority\n\n## Q. Will NMLS block application for a license if the MLO is not PE compliant? \n\nA. Yes. NMLS will validate the MLO is compliant with BOTH Federal and State",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_faq\\mlo_testing_hbk_FAQ_educ_PE.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_faq\\mlo_testing_hbk_FAQ_educ_PE.md",
      "headings": [
        "Education FAQ - Pre-licensure Education \\(PE\\) {#xd_f3406d6d8c40c5b7--8040794-1911e21e763--7ff7 .concept}",
        "Q. What are MLO Pre-Licensure Education \\(PE\\) requirements? {#section_ugd_ncn_3cc .section}",
        "Q. When do I need to complete the 20 hours of PE? {#section_vgd_ncn_3cc .section}",
        "Q. When do I need to complete PE for Temporary Authority to Operate? {#section_g4l_ncn_3cc .section}",
        "Q. Will NMLS block application for a license if the MLO is not PE compliant? {#section_jch_4cn_3cc .section}",
        "Q. Does PE expire? {#section_dxs_4cn_3cc .section}",
        "Q. When is the PE Expiration policy enforced? {#section_onc_rcn_3cc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_faq/mlo_testing_hbk_FAQ_educ_PE.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_faq/mlo_testing_hbk_FAQ_educ_PE.md:chunk-1",
      "title": "Education FAQ - Pre-licensure Education \\(PE\\) {#xd_f3406d6d8c40c5b7--8040794-1911e21e763--7ff7 .concept}",
      "content": "pdated at 100 Days of Temporary Authority\n\n## Q. Will NMLS block application for a license if the MLO is not PE compliant? \n\nA. Yes. NMLS will validate the MLO is compliant with BOTH Federal and State agency requirements prior to application submission. NMLS will also require completion of pending CE requirements for the last year the MLO held the license if the MLO is applying for a previously held license.\n\n## Q. Does PE expire? \n\nA. PE expires after three \\(3\\) years in accordance with the following rule:\n\nAn individual who completed 20 hours Pre-Licensure education pursuant to 12 U.S.C. 5104\\(c\\) must retake 20 hours of pre-licensure education in order to be eligible for state mortgage loan originator licensure if he or she:\n\n1.  fails to acquire a valid state license or federal registration as a mortgage loan originator within three years from the date of federal compliance with 12 U.S.C. 5104\\(c\\);or\n2.  fails to acquire a valid state license or federal registration as a mortgage loan originator within three years from the last date of licensure or registration as a mortgage loan originator.\n\nSee the PE Expiration Policy\n\n## Q. When is the PE Expiration policy enforced? \n\nA. Several states have already or are in the process of enacting the PE Expiration policy. Check on an agency’s status in the State-Specific Education Requirements.\n\n**Parent topic:**Education FAQ - NMLS Approved Education for MLO Licensure",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_faq\\mlo_testing_hbk_FAQ_educ_PE.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_faq\\mlo_testing_hbk_FAQ_educ_PE.md",
      "headings": [
        "Education FAQ - Pre-licensure Education \\(PE\\) {#xd_f3406d6d8c40c5b7--8040794-1911e21e763--7ff7 .concept}",
        "Q. What are MLO Pre-Licensure Education \\(PE\\) requirements? {#section_ugd_ncn_3cc .section}",
        "Q. When do I need to complete the 20 hours of PE? {#section_vgd_ncn_3cc .section}",
        "Q. When do I need to complete PE for Temporary Authority to Operate? {#section_g4l_ncn_3cc .section}",
        "Q. Will NMLS block application for a license if the MLO is not PE compliant? {#section_jch_4cn_3cc .section}",
        "Q. Does PE expire? {#section_dxs_4cn_3cc .section}",
        "Q. When is the PE Expiration policy enforced? {#section_onc_rcn_3cc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_faq/mlo_testing_hbk_FAQ_educ_PE.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_faq/mlo_testing_hbk_FAQ_education.md:chunk-0",
      "title": "Education FAQ - NMLS Approved Education for MLO Licensure {#xd_f3406d6d8c40c5b7--8040794-1911e21e763--7ffc .concept}",
      "content": "# Education FAQ - NMLS Approved Education for MLO Licensure \n\nFind answers to the most common education related questions.\n\n-   **Education FAQ - General**  \n\n-   **Education FAQ - Pre-licensure Education \\(PE\\)**  \n\n-   **Education FAQ - Continuing Education \\(CE\\)**  \n\n-   **Education FAQ - Late CE**  \nMake-up CE for previous year.\n-   **Education FAQ - Miscellaneous**",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_faq\\mlo_testing_hbk_FAQ_education.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_faq\\mlo_testing_hbk_FAQ_education.md",
      "headings": [
        "Education FAQ - NMLS Approved Education for MLO Licensure {#xd_f3406d6d8c40c5b7--8040794-1911e21e763--7ffc .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_faq/mlo_testing_hbk_FAQ_education.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_faq/mlo_testing_hbk_FAQ_general.md:chunk-0",
      "title": "Education FAQ - General {#xd_f3406d6d8c40c5b7--8040794-1911e21e763--7ffb .concept}",
      "content": "# Education FAQ - General \n\n## Q. How do I find a school for mortgage education? \n\nA. NMLS maintains a list of approved course providers which is updated monthly. These are the only entities authorized to deliver courses for MLO licensing.\n\nNMLS does not approve test prep courses and course providers do not have any insight or knowledge about what is on the test or of specific test questions.\n\n## Q. How is PE or CE reported? \n\nA. After completion of a PE or CE course, the course provider will report the course completion to NMLS. Course providers have seven \\(7\\) calendar days to report to NLMS.\n\n## Q. Is there a place to view my completed education? \n\nA. Every state-licensed MLO or persons with a NMLS ID number has access to a course completion record in NMLS. The record contains a complete history of all NMLS approved education completed. The record also displays the number of hours required for specific licenses and any outstanding requirements. Quick Guide - Education Records provides instructions.\n\n## Q. What do I do if education is missing? \n\nA. Reach out to your course provider and request the status of reporting. Be sure to include your full name as it appears in NMLS and your NMLS ID number.\n\n**Parent topic:**Education FAQ - NMLS Approved Education for MLO Licensure",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_faq\\mlo_testing_hbk_FAQ_general.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_faq\\mlo_testing_hbk_FAQ_general.md",
      "headings": [
        "Education FAQ - General {#xd_f3406d6d8c40c5b7--8040794-1911e21e763--7ffb .concept}",
        "Q. How do I find a school for mortgage education? {#section_zwh_r3f_3cc .section}",
        "Q. How is PE or CE reported? {#section_d3d_s3f_3cc .section}",
        "Q. Is there a place to view my completed education? {#section_ec4_s3f_3cc .section}",
        "Q. What do I do if education is missing? {#section_r4z_s3f_3cc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_faq/mlo_testing_hbk_FAQ_general.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_faq/mlo_testing_hbk_FAQ_onlineProctoredTesting-1.md:chunk-0",
      "title": "Online Proctored SAFE MLO Test Delivery FAQs {#xd_e222e7fa28421aa9--1aaa0fe5-19021998458--7ff9 .concept}",
      "content": "# Online Proctored SAFE MLO Test Delivery FAQs \n\n## Are there special requirements to test online? \n\nYes, there are numerous technical and environmental requirements needed in order to test online. Please review the requirements in Online Proctored Testing​ which a candidate must meet to be able to test online.\n\n## How do I schedule an online proctored test ​appointment? \n\nCandidates are required to submit a request to test online through NMLS before they can schedule an online test session. Candidates will be required to acknowledge they have been informed of test security procedures and must agree to meet other requirements as a condition for taking the test online. The request will require 5 business days for processing before the candidate will be able to schedule an online test appointment. Note: companies will no longer be able to schedule online test appointments on behalf of individuals.\n\n## Do reschedule, late cancel or no-show fees apply? \n\nYes. If you need to reschedule or cancel your qualification test appointment, you must do so \\(before noon local time\\) ​a minimum of 2 business days in advance to avoid losing your test fee.\n\n## If I need testing accommodations, can I test online? \n\nA limited number of testing accommodations are available for appointments delivered online. A candidate should submit the Testing Accommodations Eligibility Questionnaire and Testing Accommodations Verification Request Form as they do for testing accommodations at test centers. For more information about Special Accommodations, please see 5.0 Testing Accommodations.\n\n## I have an appointment scheduled at my local testing center. Can I still test online? \n\nYes, but you will need to cancel your existing testing center appointment first, then you can submit a request in NMLS to test online. Remember, the standard rescheduling/cancellation period applies. Also, before you cancel your test center appointment, we encourage you to ensure that you will be able to meet the technical",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_faq\\mlo_testing_hbk_FAQ_onlineProctoredTesting-1.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_faq\\mlo_testing_hbk_FAQ_onlineProctoredTesting-1.md",
      "headings": [
        "Online Proctored SAFE MLO Test Delivery FAQs {#xd_e222e7fa28421aa9--1aaa0fe5-19021998458--7ff9 .concept}",
        "Are there special requirements to test online? {#section_dhm_24x_tbc .section}",
        "How do I schedule an online proctored test ​appointment? {#section_v5x_24x_tbc .section}",
        "Do reschedule, late cancel or no-show fees apply? {#section_mdd_f4x_tbc .section}",
        "If I need testing accommodations, can I test online? {#section_k2h_f4x_tbc .section}",
        "I have an appointment scheduled at my local testing center. Can I still test online? {#section_a1m_f4x_tbc .section}",
        "Where can I find additional information on the technical requirements to test online? {#section_qtq_f4x_tbc .section}",
        "What if I am unable to successfully complete the system readiness check? {#section_iw5_f4x_tbc .section}",
        "My internet connection is sometimes “spotty.\" What can I do to enhance my testing ability? {#section_bnz_f4x_tbc .section}",
        "If I lose connection during my online test, will NMLS lose my test or will I resume where I left off? {#section_n23_g4x_tbc .section}",
        "When will I know my online test results? {#section_jrl_g4x_tbc .section}",
        "I was unsuccessful with my online testing attempt. Is there a waiting period to retest online or at a testing center? {#section_jmp_g4x_tbc .section}",
        "How are online testing and testing at a local testing site different? {#section_cvy_g4x_tbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_faq/mlo_testing_hbk_FAQ_onlineProctoredTesting-1.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_faq/mlo_testing_hbk_FAQ_onlineProctoredTesting-1.md:chunk-1",
      "title": "Online Proctored SAFE MLO Test Delivery FAQs {#xd_e222e7fa28421aa9--1aaa0fe5-19021998458--7ff9 .concept}",
      "content": "st online. Remember, the standard rescheduling/cancellation period applies. Also, before you cancel your test center appointment, we encourage you to ensure that you will be able to meet the technical and procedural requirements for online testing.\n\n## Where can I find additional information on the technical requirements to test online? \n\nInformation for taking an online test is available at on the Online Proctored Testing page. This includes the ProProctor User Guide, Rules of Conduct, etc. Additionally, Prometric has a ProProctor Candidate Information page.\n\n## What if I am unable to successfully complete the system readiness check? \n\nAt least one day before your scheduled test date, you should run the system readiness check and install the ProProctor application on the actual computer you will be using to take your test. This should prevent any last-minute technical issues from occurring just prior to your test appointment and provide time to address any issues. For additional guidance, please reference the ProProctor User Guide and/or .\n\n## My internet connection is sometimes “spotty.\" What can I do to enhance my testing ability? \n\nWhile internet connectivity varies, remember that all of your household internet connections are competing for bandwidth, including online gaming, streaming services, etc. You are encouraged to limit household internet usage during your test session. Additional suggestions to enhance your internet connectivity during testing can be found on ProProctor Candidate Information.​​\n\n## If I lose connection during my online test, will NMLS lose my test or will I resume where I left off? \n\nYour test information will not be lost, and you can resume where you left off. However, you should make every attempt to log back in immediately. Once you log back into the online testing platform, your test will resume from where you left off.\n\n## When will I know my online test results? \n\nUpon completing your online test, you will receive your unofficial ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_faq\\mlo_testing_hbk_FAQ_onlineProctoredTesting-1.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_faq\\mlo_testing_hbk_FAQ_onlineProctoredTesting-1.md",
      "headings": [
        "Online Proctored SAFE MLO Test Delivery FAQs {#xd_e222e7fa28421aa9--1aaa0fe5-19021998458--7ff9 .concept}",
        "Are there special requirements to test online? {#section_dhm_24x_tbc .section}",
        "How do I schedule an online proctored test ​appointment? {#section_v5x_24x_tbc .section}",
        "Do reschedule, late cancel or no-show fees apply? {#section_mdd_f4x_tbc .section}",
        "If I need testing accommodations, can I test online? {#section_k2h_f4x_tbc .section}",
        "I have an appointment scheduled at my local testing center. Can I still test online? {#section_a1m_f4x_tbc .section}",
        "Where can I find additional information on the technical requirements to test online? {#section_qtq_f4x_tbc .section}",
        "What if I am unable to successfully complete the system readiness check? {#section_iw5_f4x_tbc .section}",
        "My internet connection is sometimes “spotty.\" What can I do to enhance my testing ability? {#section_bnz_f4x_tbc .section}",
        "If I lose connection during my online test, will NMLS lose my test or will I resume where I left off? {#section_n23_g4x_tbc .section}",
        "When will I know my online test results? {#section_jrl_g4x_tbc .section}",
        "I was unsuccessful with my online testing attempt. Is there a waiting period to retest online or at a testing center? {#section_jmp_g4x_tbc .section}",
        "How are online testing and testing at a local testing site different? {#section_cvy_g4x_tbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_faq/mlo_testing_hbk_FAQ_onlineProctoredTesting-1.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_faq/mlo_testing_hbk_FAQ_onlineProctoredTesting-1.md:chunk-2",
      "title": "Online Proctored SAFE MLO Test Delivery FAQs {#xd_e222e7fa28421aa9--1aaa0fe5-19021998458--7ff9 .concept}",
      "content": "back into the online testing platform, your test will resume from where you left off.\n\n## When will I know my online test results? \n\nUpon completing your online test, you will receive your unofficial pass or fail notification on screen. Within three business days, your test results will be validated, emailed to the address you provided at the time of scheduling and posted to NMLS. The test result email will also include a survey link for you to complete about your online testing experience.\n\n## I was unsuccessful with my online testing attempt. Is there a waiting period to retest online or at a testing center? \n\nYes, if you do not pass your test, a waiting period will apply based on the SAFE Act. The same waiting period applies whether you opt to test at a local testing center or online.\n\n## How are online testing and testing at a local testing site different? \n\nSimilarities Between Online Testing and Testing in a Physical Testing Site\n:   1.  You should still log in 30 minutes before your scheduled online appointment and arrive 30 minutes before your test center appointment to complete the check-in process.\n2.  One valid, government-issued ID with a signature and picture must be shown. The ID used must match the name your appointment is scheduled under.\n3.  Your picture will be captured, and your ID will be captured and verified.\n4.  You will undergo a visual person check including a sleeve, pocket and glasses check.\n5.  You are required to abide by the NMLS Rules of Conduct as well as Prometric's Security Guidelines/protocols.\n6.  You are video and audio-recorded during tests delivered in physical test centers and those delivered via online proctoring.\n\nDifferences/requirements for Candidates Testing Online\n:   1.  Candidates who wish to test online must submit a request in NMLS.\n2.  Technical requirements: You will need to download and install an application that will perform a system check to ensure your laptop or desktop operating system meets the minimum requi",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_faq\\mlo_testing_hbk_FAQ_onlineProctoredTesting-1.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_faq\\mlo_testing_hbk_FAQ_onlineProctoredTesting-1.md",
      "headings": [
        "Online Proctored SAFE MLO Test Delivery FAQs {#xd_e222e7fa28421aa9--1aaa0fe5-19021998458--7ff9 .concept}",
        "Are there special requirements to test online? {#section_dhm_24x_tbc .section}",
        "How do I schedule an online proctored test ​appointment? {#section_v5x_24x_tbc .section}",
        "Do reschedule, late cancel or no-show fees apply? {#section_mdd_f4x_tbc .section}",
        "If I need testing accommodations, can I test online? {#section_k2h_f4x_tbc .section}",
        "I have an appointment scheduled at my local testing center. Can I still test online? {#section_a1m_f4x_tbc .section}",
        "Where can I find additional information on the technical requirements to test online? {#section_qtq_f4x_tbc .section}",
        "What if I am unable to successfully complete the system readiness check? {#section_iw5_f4x_tbc .section}",
        "My internet connection is sometimes “spotty.\" What can I do to enhance my testing ability? {#section_bnz_f4x_tbc .section}",
        "If I lose connection during my online test, will NMLS lose my test or will I resume where I left off? {#section_n23_g4x_tbc .section}",
        "When will I know my online test results? {#section_jrl_g4x_tbc .section}",
        "I was unsuccessful with my online testing attempt. Is there a waiting period to retest online or at a testing center? {#section_jmp_g4x_tbc .section}",
        "How are online testing and testing at a local testing site different? {#section_cvy_g4x_tbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_faq/mlo_testing_hbk_FAQ_onlineProctoredTesting-1.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_faq/mlo_testing_hbk_FAQ_onlineProctoredTesting-1.md:chunk-3",
      "title": "Online Proctored SAFE MLO Test Delivery FAQs {#xd_e222e7fa28421aa9--1aaa0fe5-19021998458--7ff9 .concept}",
      "content": "est in NMLS.\n2.  Technical requirements: You will need to download and install an application that will perform a system check to ensure your laptop or desktop operating system meets the minimum requirements. This must be done on the computer that you will use on the day of testing.\n3.  USB cable camera: You will be required to complete a 360-degree view of your workstation and surrounding environment. An external USB cable camera is preferred but not required. Cameras imbedded in laptops are allowed.\n4.  Your visual person check will include a check of your ears to ensure nothing that could provide an unfair advantage is used, e.g., Bluetooth earpiece.\n5.  You are not allowed to use a personal calculator or scratch paper. Online tests have an onscreen calculator and a virtual scratchpad to capture your notes digitally.\n\n**Parent topic:**MLO Testing FAQ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_faq\\mlo_testing_hbk_FAQ_onlineProctoredTesting-1.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_faq\\mlo_testing_hbk_FAQ_onlineProctoredTesting-1.md",
      "headings": [
        "Online Proctored SAFE MLO Test Delivery FAQs {#xd_e222e7fa28421aa9--1aaa0fe5-19021998458--7ff9 .concept}",
        "Are there special requirements to test online? {#section_dhm_24x_tbc .section}",
        "How do I schedule an online proctored test ​appointment? {#section_v5x_24x_tbc .section}",
        "Do reschedule, late cancel or no-show fees apply? {#section_mdd_f4x_tbc .section}",
        "If I need testing accommodations, can I test online? {#section_k2h_f4x_tbc .section}",
        "I have an appointment scheduled at my local testing center. Can I still test online? {#section_a1m_f4x_tbc .section}",
        "Where can I find additional information on the technical requirements to test online? {#section_qtq_f4x_tbc .section}",
        "What if I am unable to successfully complete the system readiness check? {#section_iw5_f4x_tbc .section}",
        "My internet connection is sometimes “spotty.\" What can I do to enhance my testing ability? {#section_bnz_f4x_tbc .section}",
        "If I lose connection during my online test, will NMLS lose my test or will I resume where I left off? {#section_n23_g4x_tbc .section}",
        "When will I know my online test results? {#section_jrl_g4x_tbc .section}",
        "I was unsuccessful with my online testing attempt. Is there a waiting period to retest online or at a testing center? {#section_jmp_g4x_tbc .section}",
        "How are online testing and testing at a local testing site different? {#section_cvy_g4x_tbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_faq/mlo_testing_hbk_FAQ_onlineProctoredTesting-1.html",
      "snippet": null
    },
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      "id": "maps/NMLS/education/mlo_testing/mlo_test_faq/mlo_testing_hbk_FAQ_onlineProctoredTesting.md:chunk-0",
      "title": "Online Proctored SAFE MLO Test Delivery FAQs {#xd_e222e7fa28421aa9--1aaa0fe5-19021998458--7ff9 .concept}",
      "content": "# Online Proctored SAFE MLO Test Delivery FAQs \n\n## Are there special requirements to test online? \n\nYes, there are numerous technical and environmental requirements needed in order to test online. Please review the requirements in Online Proctored Testing​ which a candidate must meet to be able to test online.\n\n## How do I schedule an online proctored test ​appointment? \n\nCandidates are required to submit a request to test online through NMLS before they can schedule an online test session. Candidates will be required to acknowledge they have been informed of test security procedures and must agree to meet other requirements as a condition for taking the test online. The request will require 5 business days for processing before the candidate will be able to schedule an online test appointment. Note: companies will no longer be able to schedule online test appointments on behalf of individuals.\n\n## Do reschedule, late cancel or no-show fees apply? \n\nYes. If you need to reschedule or cancel your qualification test appointment, you must do so \\(before noon local time\\) ​a minimum of 2 business days in advance to avoid losing your test fee.\n\n## If I need testing accommodations, can I test online? \n\nA limited number of testing accommodations are available for appointments delivered online. A candidate should submit the Testing Accommodations Eligibility Questionnaire and Testing Accommodations Verification Request Form as they do for testing accommodations at test centers. For more information about Special Accommodations, please see 5.0 Testing Accommodations.\n\n## I have an appointment scheduled at my local testing center. Can I still test online? \n\nYes, but you will need to cancel your existing testing center appointment first, then you can submit a request in NMLS to test online. Remember, the standard rescheduling/cancellation period applies. Also, before you cancel your test center appointment, we encourage you to ensure that you will be able to meet the technical",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_faq\\mlo_testing_hbk_FAQ_onlineProctoredTesting.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_faq\\mlo_testing_hbk_FAQ_onlineProctoredTesting.md",
      "headings": [
        "Online Proctored SAFE MLO Test Delivery FAQs {#xd_e222e7fa28421aa9--1aaa0fe5-19021998458--7ff9 .concept}",
        "Are there special requirements to test online? {#section_dhm_24x_tbc .section}",
        "How do I schedule an online proctored test ​appointment? {#section_v5x_24x_tbc .section}",
        "Do reschedule, late cancel or no-show fees apply? {#section_mdd_f4x_tbc .section}",
        "If I need testing accommodations, can I test online? {#section_k2h_f4x_tbc .section}",
        "I have an appointment scheduled at my local testing center. Can I still test online? {#section_a1m_f4x_tbc .section}",
        "Where can I find additional information on the technical requirements to test online? {#section_qtq_f4x_tbc .section}",
        "What if I am unable to successfully complete the system readiness check? {#section_iw5_f4x_tbc .section}",
        "My internet connection is sometimes “spotty.\" What can I do to enhance my testing ability? {#section_bnz_f4x_tbc .section}",
        "If I lose connection during my online test, will NMLS lose my test or will I resume where I left off? {#section_n23_g4x_tbc .section}",
        "When will I know my online test results? {#section_jrl_g4x_tbc .section}",
        "I was unsuccessful with my online testing attempt. Is there a waiting period to retest online or at a testing center? {#section_jmp_g4x_tbc .section}",
        "How are online testing and testing at a local testing site different? {#section_cvy_g4x_tbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_faq/mlo_testing_hbk_FAQ_onlineProctoredTesting.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_faq/mlo_testing_hbk_FAQ_onlineProctoredTesting.md:chunk-1",
      "title": "Online Proctored SAFE MLO Test Delivery FAQs {#xd_e222e7fa28421aa9--1aaa0fe5-19021998458--7ff9 .concept}",
      "content": "st online. Remember, the standard rescheduling/cancellation period applies. Also, before you cancel your test center appointment, we encourage you to ensure that you will be able to meet the technical and procedural requirements for online testing.\n\n## Where can I find additional information on the technical requirements to test online? \n\nInformation for taking an online test is available at on the Online Proctored Testing page. This includes the ProProctor User Guide, Rules of Conduct, etc. Additionally, Prometric has a ProProctor Candidate Information page.\n\n## What if I am unable to successfully complete the system readiness check? \n\nAt least one day before your scheduled test date, you should run the system readiness check and install the ProProctor application on the actual computer you will be using to take your test. This should prevent any last-minute technical issues from occurring just prior to your test appointment and provide time to address any issues. For additional guidance, please reference the ProProctor User Guide and/or .\n\n## My internet connection is sometimes “spotty.\" What can I do to enhance my testing ability? \n\nWhile internet connectivity varies, remember that all of your household internet connections are competing for bandwidth, including online gaming, streaming services, etc. You are encouraged to limit household internet usage during your test session. Additional suggestions to enhance your internet connectivity during testing can be found on ProProctor Candidate Information.​​\n\n## If I lose connection during my online test, will NMLS lose my test or will I resume where I left off? \n\nYour test information will not be lost, and you can resume where you left off. However, you should make every attempt to log back in immediately. Once you log back into the online testing platform, your test will resume from where you left off.\n\n## When will I know my online test results? \n\nUpon completing your online test, you will receive your unofficial ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_faq\\mlo_testing_hbk_FAQ_onlineProctoredTesting.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_faq\\mlo_testing_hbk_FAQ_onlineProctoredTesting.md",
      "headings": [
        "Online Proctored SAFE MLO Test Delivery FAQs {#xd_e222e7fa28421aa9--1aaa0fe5-19021998458--7ff9 .concept}",
        "Are there special requirements to test online? {#section_dhm_24x_tbc .section}",
        "How do I schedule an online proctored test ​appointment? {#section_v5x_24x_tbc .section}",
        "Do reschedule, late cancel or no-show fees apply? {#section_mdd_f4x_tbc .section}",
        "If I need testing accommodations, can I test online? {#section_k2h_f4x_tbc .section}",
        "I have an appointment scheduled at my local testing center. Can I still test online? {#section_a1m_f4x_tbc .section}",
        "Where can I find additional information on the technical requirements to test online? {#section_qtq_f4x_tbc .section}",
        "What if I am unable to successfully complete the system readiness check? {#section_iw5_f4x_tbc .section}",
        "My internet connection is sometimes “spotty.\" What can I do to enhance my testing ability? {#section_bnz_f4x_tbc .section}",
        "If I lose connection during my online test, will NMLS lose my test or will I resume where I left off? {#section_n23_g4x_tbc .section}",
        "When will I know my online test results? {#section_jrl_g4x_tbc .section}",
        "I was unsuccessful with my online testing attempt. Is there a waiting period to retest online or at a testing center? {#section_jmp_g4x_tbc .section}",
        "How are online testing and testing at a local testing site different? {#section_cvy_g4x_tbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_faq/mlo_testing_hbk_FAQ_onlineProctoredTesting.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_faq/mlo_testing_hbk_FAQ_onlineProctoredTesting.md:chunk-2",
      "title": "Online Proctored SAFE MLO Test Delivery FAQs {#xd_e222e7fa28421aa9--1aaa0fe5-19021998458--7ff9 .concept}",
      "content": "back into the online testing platform, your test will resume from where you left off.\n\n## When will I know my online test results? \n\nUpon completing your online test, you will receive your unofficial pass or fail notification on screen. Within three business days, your test results will be validated, emailed to the address you provided at the time of scheduling and posted to NMLS. The test result email will also include a survey link for you to complete about your online testing experience.\n\n## I was unsuccessful with my online testing attempt. Is there a waiting period to retest online or at a testing center? \n\nYes, if you do not pass your test, a waiting period will apply based on the SAFE Act. The same waiting period applies whether you opt to test at a local testing center or online.\n\n## How are online testing and testing at a local testing site different? \n\nSimilarities Between Online Testing and Testing in a Physical Testing Site\n:   1.  You should still log in 30 minutes before your scheduled online appointment and arrive 30 minutes before your test center appointment to complete the check-in process.\n2.  One valid, government-issued ID with a signature and picture must be shown. The ID used must match the name your appointment is scheduled under.\n3.  Your picture will be captured, and your ID will be captured and verified.\n4.  You will undergo a visual person check including a sleeve, pocket and glasses check.\n5.  You are required to abide by the NMLS Rules of Conduct as well as Prometric's Security Guidelines/protocols.\n6.  You are video and audio-recorded during tests delivered in physical test centers and those delivered via online proctoring.\n\nDifferences/requirements for Candidates Testing Online\n:   1.  Candidates who wish to test online must submit a request in NMLS.\n2.  Technical requirements: You will need to download and install an application that will perform a system check to ensure your laptop or desktop operating system meets the minimum requi",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_faq\\mlo_testing_hbk_FAQ_onlineProctoredTesting.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_faq\\mlo_testing_hbk_FAQ_onlineProctoredTesting.md",
      "headings": [
        "Online Proctored SAFE MLO Test Delivery FAQs {#xd_e222e7fa28421aa9--1aaa0fe5-19021998458--7ff9 .concept}",
        "Are there special requirements to test online? {#section_dhm_24x_tbc .section}",
        "How do I schedule an online proctored test ​appointment? {#section_v5x_24x_tbc .section}",
        "Do reschedule, late cancel or no-show fees apply? {#section_mdd_f4x_tbc .section}",
        "If I need testing accommodations, can I test online? {#section_k2h_f4x_tbc .section}",
        "I have an appointment scheduled at my local testing center. Can I still test online? {#section_a1m_f4x_tbc .section}",
        "Where can I find additional information on the technical requirements to test online? {#section_qtq_f4x_tbc .section}",
        "What if I am unable to successfully complete the system readiness check? {#section_iw5_f4x_tbc .section}",
        "My internet connection is sometimes “spotty.\" What can I do to enhance my testing ability? {#section_bnz_f4x_tbc .section}",
        "If I lose connection during my online test, will NMLS lose my test or will I resume where I left off? {#section_n23_g4x_tbc .section}",
        "When will I know my online test results? {#section_jrl_g4x_tbc .section}",
        "I was unsuccessful with my online testing attempt. Is there a waiting period to retest online or at a testing center? {#section_jmp_g4x_tbc .section}",
        "How are online testing and testing at a local testing site different? {#section_cvy_g4x_tbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_faq/mlo_testing_hbk_FAQ_onlineProctoredTesting.html",
      "snippet": null
    },
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      "id": "maps/NMLS/education/mlo_testing/mlo_test_faq/mlo_testing_hbk_FAQ_onlineProctoredTesting.md:chunk-3",
      "title": "Online Proctored SAFE MLO Test Delivery FAQs {#xd_e222e7fa28421aa9--1aaa0fe5-19021998458--7ff9 .concept}",
      "content": "est in NMLS.\n2.  Technical requirements: You will need to download and install an application that will perform a system check to ensure your laptop or desktop operating system meets the minimum requirements. This must be done on the computer that you will use on the day of testing.\n3.  USB cable camera: You will be required to complete a 360-degree view of your workstation and surrounding environment. An external USB cable camera is preferred but not required. Cameras imbedded in laptops are allowed.\n4.  Your visual person check will include a check of your ears to ensure nothing that could provide an unfair advantage is used, e.g., Bluetooth earpiece.\n5.  You are not allowed to use a personal calculator or scratch paper. Online tests have an onscreen calculator and a virtual scratchpad to capture your notes digitally.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_faq\\mlo_testing_hbk_FAQ_onlineProctoredTesting.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_faq\\mlo_testing_hbk_FAQ_onlineProctoredTesting.md",
      "headings": [
        "Online Proctored SAFE MLO Test Delivery FAQs {#xd_e222e7fa28421aa9--1aaa0fe5-19021998458--7ff9 .concept}",
        "Are there special requirements to test online? {#section_dhm_24x_tbc .section}",
        "How do I schedule an online proctored test ​appointment? {#section_v5x_24x_tbc .section}",
        "Do reschedule, late cancel or no-show fees apply? {#section_mdd_f4x_tbc .section}",
        "If I need testing accommodations, can I test online? {#section_k2h_f4x_tbc .section}",
        "I have an appointment scheduled at my local testing center. Can I still test online? {#section_a1m_f4x_tbc .section}",
        "Where can I find additional information on the technical requirements to test online? {#section_qtq_f4x_tbc .section}",
        "What if I am unable to successfully complete the system readiness check? {#section_iw5_f4x_tbc .section}",
        "My internet connection is sometimes “spotty.\" What can I do to enhance my testing ability? {#section_bnz_f4x_tbc .section}",
        "If I lose connection during my online test, will NMLS lose my test or will I resume where I left off? {#section_n23_g4x_tbc .section}",
        "When will I know my online test results? {#section_jrl_g4x_tbc .section}",
        "I was unsuccessful with my online testing attempt. Is there a waiting period to retest online or at a testing center? {#section_jmp_g4x_tbc .section}",
        "How are online testing and testing at a local testing site different? {#section_cvy_g4x_tbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_faq/mlo_testing_hbk_FAQ_onlineProctoredTesting.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_faq/mlo_testing_hbk_testExpirationPolicy-1.md:chunk-0",
      "title": "Test Expiration Policy & Frequently Asked Questions {#xd_8c79582361a58066--4662792a-190695f101f--7ffc .concept}",
      "content": "# Test Expiration Policy & Frequently Asked Questions \n\n## 5 Year Test Expiration Policy \n\nSection 1505\\(d\\) of the SAFE Mortgage Licensing Act states,\n\n> “…\\[a\\] state licensed loan originator who fails to maintain a valid license for a period of 5 years or longer shall retake the test, not taking into account any time during which such individual is a registered loan originator.”\n\nTherefore, if mortgage loan originators leave the mortgage industry, or pass the SAFE MLO Test but don’t obtain a license or active federal registration, for a period of five consecutive years, their previously passed test results will expire, and they will be required to retest in order to obtain licensure.\n\nIn order to prevent test results from expiring, MLOs must obtain a valid license, which is defined as an *approved, renewable* license or active federal registration before five consecutive years have passed.\n\n## FAQ \n\nWill my test result expire?\n:   Answer: Yes, but only if you leave the mortgage industry for five consecutive years. Passed test results will only expire if an individual:\n\n    -   Fails to obtain or maintain a valid license in any state for a period of five or more consecutive years\n    -   Fails to maintain an active federal registration for a period of five or more consecutive years\n\nWill I be notified that my test result is going to expire?\n:   Answer: Yes. NMLS will send notifications to individuals and companies with access to those individuals 180, 60 and 30 days before the test results expire.\n\nI received notification that my SAFE MLO Test is set to expire on August 1, 2022. If I submit my license application by August 1, 2022, will my test still expire?\n:   Answer: Yes. Submitting a license application is NOT enough to prevent expiration; the application must be APPROVED before the test expiration clock will reset.\n\nCan NMLS or a state regulator override or reinstate an expired test?\n:   Answer: No. Neither NMLS nor state regulators have the authority to over",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_faq\\mlo_testing_hbk_testExpirationPolicy-1.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_faq\\mlo_testing_hbk_testExpirationPolicy-1.md",
      "headings": [
        "Test Expiration Policy & Frequently Asked Questions {#xd_8c79582361a58066--4662792a-190695f101f--7ffc .concept}",
        "5 Year Test Expiration Policy {#section_vl5_3cm_ybc .section}",
        "FAQ {#section_rkt_lcm_ybc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_faq/mlo_testing_hbk_testExpirationPolicy-1.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_faq/mlo_testing_hbk_testExpirationPolicy-1.md:chunk-1",
      "title": "Test Expiration Policy & Frequently Asked Questions {#xd_8c79582361a58066--4662792a-190695f101f--7ffc .concept}",
      "content": "APPROVED before the test expiration clock will reset.\n\nCan NMLS or a state regulator override or reinstate an expired test?\n:   Answer: No. Neither NMLS nor state regulators have the authority to override the SAFE Act and reinstate expired test results.\n\nMy test result expired. What do I do now?\n:   Answer: You would have to retake the test or tests that have expired if you want to meet the state testing requirements for licensure. Go to NMLS.org/Testing\n\nScenario: I passed the SAFE MLO test December 1, 2021, but never obtained a license. When would my test result expire?\n:   Answer: Since you failed to obtain a license for five consecutive years, your passed test result would expire on or around December 1, 2026.\n\nScenario: I passed the SAFE MLO test on October 1, 2021 and obtained a state license shortly thereafter. My state license was terminated on December 1, 2021. When would my test results expire?\n:   Answer: Since you failed to maintain an active license or active registration for five consecutive years after your license was terminated, your test results would expire on or around December 1, 2026.\n\nScenario: I passed the National Test and obtained a license in August 2021, but left the industry in December of that year. By December of 2026, I will have been out of the industry for five years. However, I had an active federal registration for one month in January 2024. When would my test expire?\n:   Answer: Since you held an active federal registration in 2024, your test would not expire until \\(at least\\) January 2029.\n\n**Parent topic:**MLO Testing FAQ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_faq\\mlo_testing_hbk_testExpirationPolicy-1.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_faq\\mlo_testing_hbk_testExpirationPolicy-1.md",
      "headings": [
        "Test Expiration Policy & Frequently Asked Questions {#xd_8c79582361a58066--4662792a-190695f101f--7ffc .concept}",
        "5 Year Test Expiration Policy {#section_vl5_3cm_ybc .section}",
        "FAQ {#section_rkt_lcm_ybc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_faq/mlo_testing_hbk_testExpirationPolicy-1.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_faq/mlo_testing_hbk_testExpirationPolicy.md:chunk-0",
      "title": "Test Expiration Policy & Frequently Asked Questions {#xd_8c79582361a58066--4662792a-190695f101f--7ffc .concept}",
      "content": "# Test Expiration Policy & Frequently Asked Questions \n\n## 5 Year Test Expiration Policy \n\nSection 1505\\(d\\) of the SAFE Mortgage Licensing Act states,\n\n> “…\\[a\\] state licensed loan originator who fails to maintain a valid license for a period of 5 years or longer shall retake the test, not taking into account any time during which such individual is a registered loan originator.”\n\nTherefore, if mortgage loan originators leave the mortgage industry, or pass the SAFE MLO Test but don’t obtain a license or active federal registration, for a period of five consecutive years, their previously passed test results will expire, and they will be required to retest in order to obtain licensure.\n\nIn order to prevent test results from expiring, MLOs must obtain a valid license, which is defined as an *approved, renewable* license or active federal registration before five consecutive years have passed.\n\n## FAQ \n\nWill my test result expire?\n:   Answer: Yes, but only if you leave the mortgage industry for five consecutive years. Passed test results will only expire if an individual:\n\n    -   Fails to obtain or maintain a valid license in any state for a period of five or more consecutive years\n    -   Fails to maintain an active federal registration for a period of five or more consecutive years\n\nWill I be notified that my test result is going to expire?\n:   Answer: Yes. NMLS will send notifications to individuals and companies with access to those individuals 180, 60 and 30 days before the test results expire.\n\nI received notification that my SAFE MLO Test is set to expire on August 1, 2022. If I submit my license application by August 1, 2022, will my test still expire?\n:   Answer: Yes. Submitting a license application is NOT enough to prevent expiration; the application must be APPROVED before the test expiration clock will reset.\n\nCan NMLS or a state regulator override or reinstate an expired test?\n:   Answer: No. Neither NMLS nor state regulators have the authority to over",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_faq\\mlo_testing_hbk_testExpirationPolicy.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_faq\\mlo_testing_hbk_testExpirationPolicy.md",
      "headings": [
        "Test Expiration Policy & Frequently Asked Questions {#xd_8c79582361a58066--4662792a-190695f101f--7ffc .concept}",
        "5 Year Test Expiration Policy {#section_vl5_3cm_ybc .section}",
        "FAQ {#section_rkt_lcm_ybc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_faq/mlo_testing_hbk_testExpirationPolicy.html",
      "snippet": null
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    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_faq/mlo_testing_hbk_testExpirationPolicy.md:chunk-1",
      "title": "Test Expiration Policy & Frequently Asked Questions {#xd_8c79582361a58066--4662792a-190695f101f--7ffc .concept}",
      "content": "APPROVED before the test expiration clock will reset.\n\nCan NMLS or a state regulator override or reinstate an expired test?\n:   Answer: No. Neither NMLS nor state regulators have the authority to override the SAFE Act and reinstate expired test results.\n\nMy test result expired. What do I do now?\n:   Answer: You would have to retake the test or tests that have expired if you want to meet the state testing requirements for licensure. Go to NMLS.org/Testing\n\nScenario: I passed the SAFE MLO test December 1, 2021, but never obtained a license. When would my test result expire?\n:   Answer: Since you failed to obtain a license for five consecutive years, your passed test result would expire on or around December 1, 2026.\n\nScenario: I passed the SAFE MLO test on October 1, 2021 and obtained a state license shortly thereafter. My state license was terminated on December 1, 2021. When would my test results expire?\n:   Answer: Since you failed to maintain an active license or active registration for five consecutive years after your license was terminated, your test results would expire on or around December 1, 2026.\n\nScenario: I passed the National Test and obtained a license in August 2021, but left the industry in December of that year. By December of 2026, I will have been out of the industry for five years. However, I had an active federal registration for one month in January 2024. When would my test expire?\n:   Answer: Since you held an active federal registration in 2024, your test would not expire until \\(at least\\) January 2029.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_faq\\mlo_testing_hbk_testExpirationPolicy.md",
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      "headings": [
        "Test Expiration Policy & Frequently Asked Questions {#xd_8c79582361a58066--4662792a-190695f101f--7ffc .concept}",
        "5 Year Test Expiration Policy {#section_vl5_3cm_ybc .section}",
        "FAQ {#section_rkt_lcm_ybc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_faq/mlo_testing_hbk_testExpirationPolicy.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_faq/mlo_testing_hbk_testOutline-1.md:chunk-0",
      "title": "SAFE MLO National Test with Uniform State Test Content Outline {#mlo_testing_hbk_testOutline .concept}",
      "content": "# SAFE MLO National Test with Uniform State Test Content Outline \n\nCandidates are responsible for keeping abreast of changes made to the applicable statutes, regulations and rules regardless of whether they appear on this outline or the test.\n\n\\*\\*\\*PLEASE READ CAREFULLY\\*\\*\\*\n\n## Legislative Updates \n\nLegislative changes may occur throughout the test administration cycle. Candidates should answer test questions based on the current statutes, regulations and rules.\n\nCandidates are responsible for keeping abreast of changes made to the applicable statutes, regulations and rules regardless of whether they appear on this outline or the test. The outline is not intended to list every aspect of a topic mentioned. Although the test items are developed from these categories, each topic is not necessarily tested on each examination.\n\n## STRUCTURE OF THE SAFE MLO TEST \n\nThe test consists of 120 multiple-choice items \\(115 scored test questions and 5 unscored test questions\\) that are distributed among the five major content areas listed in the table below. References can be found at the end.\n\n|Content Area|Percentage of Test|\n|------------|------------------|\n|Federal Mortgage Related Laws|24%|\n|Uniform State Content|11%|\n|General Mortgage Knowledge|20%|\n|Mortgage Loan Origination Activities|27%|\n|Ethics|18%|\n\n1.  FEDERAL MORTGAGE RELATED LAWS \\(24%\\)\n    1.  Real Estate Settlement Procedures Act \\(RESPA\\), 12 CFR Part 1024 \\(Regulation X\\)\n        1.  RESPA origins and purpose; definition of “mortgage broker”\n        2.  Applicable loan types\n        3.  RESPA prohibitions, limitations, & exemptions\n        4.  Settlement services\n        5.  Required borrower information on application \\(Regulation X\\)\n        6.  Foreclosure process\n        7.  Initial escrow statements\n    2.  Equal Credit Opportunity Act \\(ECOA\\), 12 CFR Part 1002 \\(Regulation B\\)\n        1.  ECOA permissible acts\n        2.  Factors that cannot be used to discriminate\n        3.  Circumstances where lo",
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      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_faq\\mlo_testing_hbk_testOutline-1.md",
      "headings": [
        "SAFE MLO National Test with Uniform State Test Content Outline {#mlo_testing_hbk_testOutline .concept}",
        "Legislative Updates {#section_k5x_zfn_mbc .section}",
        "STRUCTURE OF THE SAFE MLO TEST {#section_ysx_bgn_mbc .section}",
        "SAFE Mortgage Loan Originator Test - National Component with Uniform State Test Reference List {#section_dd4_vsn_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_faq/mlo_testing_hbk_testOutline-1.html",
      "snippet": null
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      "id": "maps/NMLS/education/mlo_testing/mlo_test_faq/mlo_testing_hbk_testOutline-1.md:chunk-1",
      "title": "SAFE MLO National Test with Uniform State Test Content Outline {#mlo_testing_hbk_testOutline .concept}",
      "content": ".  Equal Credit Opportunity Act \\(ECOA\\), 12 CFR Part 1002 \\(Regulation B\\)\n        1.  ECOA permissible acts\n        2.  Factors that cannot be used to discriminate\n        3.  Circumstances where loan can be denied\n        4.  Regulation B\n        5.  Notifying borrower of action taken \\(timing\\)\n        6.  Required disclosures when application denied\n        7.  Adverse action: definition/examples/notifications/timing\n        8.  Information required on application; definition of \"elderly\"\n        9.  Mortgage loan originator \\(MLO\\) actions when borrower refuses to provide race/gender information\n        10. Co-signer requirements\n        11. Acceptable income for loan review\n        12. Creditworthiness factors\n    3.  Truth in Lending Act \\(TILA\\), 12 CFR Part 1026 \\(Regulation Z\\)\n        1.  Purpose of TILA\n        2.  Loans covered under TILA\n        3.  Definitions including APR, finance charge, dwelling, residential mortgage loan\n        4.  \"Notice of right to rescind\"; refinance rescind scenarios; defining \"seller contributions\"\n        5.  Home Ownership and Equity Protection Act \\(HOEPA\\), high-cost mortgages \\(12 CFR 1026.32\\)\n        6.  Higher-priced mortgage loans \\(12 CFR 1026.35\\)\n        7.  MLO compensation \\(12 CFR 1026.36\\(d\\)\\)\n    4.  TILA-RESPA Integrated Disclosure Rule \\(TRID\\) \\(“Know Before You Owe”\\)\n        1.  Purpose of TRID\n        2.  Loans covered under TRID\n        3.  Loan estimates: facts, required information, charges/fees\n        4.  Definition of “loan consummation”\n        5.  Special information booklet\n        6.  Closing Disclosure\n        7.  Disclosures timing\n        8.  MLO actions if TRID disclosure is incomplete\n        9.  \"Change of circumstances\"\n        10. Information that must be provided to consumer upon request\n        11. Borrower's right to rescission\n        12. Annual escrow statement\n    5.  Other Federal Laws and Guidelines\n        1.  Home Mortgage Disclosure Act \\(HMDA\\), 12 CFR Part 1003 \\(Regu",
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      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_faq\\mlo_testing_hbk_testOutline-1.md",
      "headings": [
        "SAFE MLO National Test with Uniform State Test Content Outline {#mlo_testing_hbk_testOutline .concept}",
        "Legislative Updates {#section_k5x_zfn_mbc .section}",
        "STRUCTURE OF THE SAFE MLO TEST {#section_ysx_bgn_mbc .section}",
        "SAFE Mortgage Loan Originator Test - National Component with Uniform State Test Reference List {#section_dd4_vsn_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_faq/mlo_testing_hbk_testOutline-1.html",
      "snippet": null
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    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_faq/mlo_testing_hbk_testOutline-1.md:chunk-2",
      "title": "SAFE MLO National Test with Uniform State Test Content Outline {#mlo_testing_hbk_testOutline .concept}",
      "content": "uest\n        11. Borrower's right to rescission\n        12. Annual escrow statement\n    5.  Other Federal Laws and Guidelines\n        1.  Home Mortgage Disclosure Act \\(HMDA\\), 12 CFR Part 1003 \\(Regulation C\\)\n        2.  Fair Credit Reporting Act \\(FCRA\\)/Fair and Accurate Credit Transactions Act \\(FACTA\\) 15 USC § 1681 et seq.\n        3.  Federal Trade Commission Red Flag rules, 16 CFR Part 681\n        4.  Bank Secrecy Act/Anti-money Laundering \\(BSA/AML\\)\n        5.  Gramm-Leach-Bliley Act \\(GLBA\\) – Privacy, Federal Trade Commission Safeguard Rules and Do-Not-Call\n        6.  Mortgage Acts and Practices – Advertising, 12 CFR Part 1014 \\(Regulation N\\)\n        7.  Electronic Signatures in Global and National Commerce Act \\(E-Sign Act\\)\n        8.  USA PATRIOT Act\n        9.  Homeowners’ Protection Act \\(Private Mortgage Insurance \\(PMI\\) Cancellation Act\\)\n        10. Dodd-Frank Act\n    6.  Regulatory Authority\n        1.  Consumer Financial Protection Bureau \\(CFPB\\)\n        2.  Department of Housing and Urban Development \\(HUD\\)\n2.  UNIFORM STATE CONTENT \\(11%\\)\n    1.  A. SAFE Act and CSBS/AARMR Model State Law\n        1.  SAFE Act:\n            1.  General purpose and scope\n            2.  Documents to be filed for public record\n        2.  State Mortgage Regulatory Agencies:\n            1.  Regulatory powers and responsibilities\n            2.  NMLS Registry and relationship with state regulators\n            3.  Frequency of exams\n            4.  MLO unique identifiers\n            5.  CFPB authority and CFPB Loan Originator rule \\(dual compensation\\)\n        3.  License Law and Regulation:\n            1.  People required to be licensed\n            2.  MLO-licensed services\n            3.  Allowable activities by underwriters, clerical staff and loan processors\n            4.  Entities requiring licensed MLO\n            5.  Businesses not required to be licensed \\(depository institutions\\)\n            6.  Licensee qualifications & application process:\n       ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_faq\\mlo_testing_hbk_testOutline-1.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_faq\\mlo_testing_hbk_testOutline-1.md",
      "headings": [
        "SAFE MLO National Test with Uniform State Test Content Outline {#mlo_testing_hbk_testOutline .concept}",
        "Legislative Updates {#section_k5x_zfn_mbc .section}",
        "STRUCTURE OF THE SAFE MLO TEST {#section_ysx_bgn_mbc .section}",
        "SAFE Mortgage Loan Originator Test - National Component with Uniform State Test Reference List {#section_dd4_vsn_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_faq/mlo_testing_hbk_testOutline-1.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_faq/mlo_testing_hbk_testOutline-1.md:chunk-3",
      "title": "SAFE MLO National Test with Uniform State Test Content Outline {#mlo_testing_hbk_testOutline .concept}",
      "content": "           4.  Entities requiring licensed MLO\n            5.  Businesses not required to be licensed \\(depository institutions\\)\n            6.  Licensee qualifications & application process:\n                1.  Pre-license education\n                2.  Background checks\n                3.  Other requirements\n                4.  Felony charges\n            7.  Waiting period for test retakes\n            8.  Sponsorship requirement\n            9.  Definition of \"MLO\"\n            10. Grounds for denying a license\n            11. License maintenance:\n                1.  Renewal period\n                2.  Continuing Education requirements\n                3.  Maintaining active license\n                4.  Retaking the SAFE MLO National Test with Uniform State Content if inactive\n            12. NMLS requirements:\n                1.  Change of employment notifications\n                2.  Required submissions/disclosures\n                3.  NMLS identifier requirements\n            13. Temporary Authority to Originate – Economic Growth, Regulatory Relief, and Consumer Protection Act\n        4.  Compliance:\n            1.  State regulator's authority to examine a licensee’s books and records and interview employees\n            2.  Prohibited acts:\n                1.  Paying for real estate agent ads\n                2.  Using supervisor's NMLS unique identifier\n                3.  Omitting debt not on credit report\n                4.  \"Bait-and-switch\"\n            3.  Required conduct:\n                1.  Providing documents in complaint investigations\n                2.  Record retention\n                3.  Providing records to state regulators\n            4.  Assumable loans\n            5.  Permissible acts\n            6.  Penalties for failure to conduct certain duties\n            7.  General loan origination scenarios\n            8.  Advertising:\n                1.  Requirement to include NMLS unique identifier in advertisements\n3.  GENERAL MORTGAGE KNOWLEDGE \\(20%\\)\n    ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_faq\\mlo_testing_hbk_testOutline-1.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_faq\\mlo_testing_hbk_testOutline-1.md",
      "headings": [
        "SAFE MLO National Test with Uniform State Test Content Outline {#mlo_testing_hbk_testOutline .concept}",
        "Legislative Updates {#section_k5x_zfn_mbc .section}",
        "STRUCTURE OF THE SAFE MLO TEST {#section_ysx_bgn_mbc .section}",
        "SAFE Mortgage Loan Originator Test - National Component with Uniform State Test Reference List {#section_dd4_vsn_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_faq/mlo_testing_hbk_testOutline-1.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_faq/mlo_testing_hbk_testOutline-1.md:chunk-4",
      "title": "SAFE MLO National Test with Uniform State Test Content Outline {#mlo_testing_hbk_testOutline .concept}",
      "content": "     7.  General loan origination scenarios\n            8.  Advertising:\n                1.  Requirement to include NMLS unique identifier in advertisements\n3.  GENERAL MORTGAGE KNOWLEDGE \\(20%\\)\n    1.  Qualified and Non-qualified Mortgage Programs\n        1.  Qualified mortgages\n        2.  Conventional/conforming\n            1.  Includes Fannie Mae and Freddie Mac\n        3.  Government\n            1.  Includes FHA, VA, USDA\n        4.  Conventional/nonconforming\n            1.  Jumbo, Alt-A\n            2.  Subprime mortgage\n            3.  Guidance on nontraditional mortgage product risk\n            4.  Non-qualified mortgage\n    2.  Mortgage Loan Products\n        1.  Fixed-rate mortgages\n        2.  Adjustable-rate mortgages \\(ARMs\\)\n        3.  Purchase money second mortgages\n        4.  Balloon mortgages\n        5.  Reverse mortgages\n        6.  Home equity line of credit \\(HELOC\\)\n        7.  Construction mortgages\n        8.  Interest-only mortgages\n    3.  Terms Used in the Mortgage Industry\n        1.  Loan terms: subordinate loans, escrow accounts, lien, tolerances, rate lock agreement, table funding\n        2.  Disclosure terms: yield spread premiums, federal mortgage loans, servicing transfers, lender credits\n        3.  Financial terms: discount points, 2-1 buy-down, loan-to-value \\(LTV\\) ratio, accrued interest, finance charges, daily simple interest\n        4.  General terms: subordination, conveyance, primary/secondary market, third-party providers, assumable loan, APR\n4.  MORTGAGE LOAN ORIGINATION ACTIVITIES \\(27%\\)\n    1.  Loan Inquiry and Application Process Requirements\n        1.  Loan inquiry process – includes required disclosures\n        2.  Borrower application:\n\n            1.  Accepting applications\n            2.  Offering/negotiating terms\n            3.  Managing information\n            4.  Permissible questions\n            5.  Gift donors\n        3.  Verification:\n\n            1.  Authorization forms\n            2.  Percentage of ban",
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      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_faq\\mlo_testing_hbk_testOutline-1.md",
      "headings": [
        "SAFE MLO National Test with Uniform State Test Content Outline {#mlo_testing_hbk_testOutline .concept}",
        "Legislative Updates {#section_k5x_zfn_mbc .section}",
        "STRUCTURE OF THE SAFE MLO TEST {#section_ysx_bgn_mbc .section}",
        "SAFE Mortgage Loan Originator Test - National Component with Uniform State Test Reference List {#section_dd4_vsn_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_faq/mlo_testing_hbk_testOutline-1.html",
      "snippet": null
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      "id": "maps/NMLS/education/mlo_testing/mlo_test_faq/mlo_testing_hbk_testOutline-1.md:chunk-5",
      "title": "SAFE MLO National Test with Uniform State Test Content Outline {#mlo_testing_hbk_testOutline .concept}",
      "content": "\n            3.  Managing information\n            4.  Permissible questions\n            5.  Gift donors\n        3.  Verification:\n\n            1.  Authorization forms\n            2.  Percentage of bank account assets attributable toward a loan application\n            3.  Verifying employment\n        4.  Suitability of products & programs – reflecting the type of loan on a mortgage application\n        5.  Accuracy \\(tolerances\\):\n\n            1.  Violation scenarios\n            2.  Zero tolerance service charges\n            3.  10% tolerance service charges\n        6.  Disclosure timing:\n\n            1.  \"Know Before You Owe”\n            2.  Notification of action taken\n            3.  Early disclosures\n            4.  Affiliated business arrangements\n        7.  Loan estimate timing:\n\n            1.  Initial Loan Estimate\n            2.  Revised Loan Estimate\n            3.  Expiration of Loan Estimate settlement charges\n            4.  Tolerance corrections\n        8.  Closing Disclosure\n\n            1.  Homeownership Counseling Disclosure\n    2.  Qualification: Processing & Underwriting\n\n        1.  Borrower Analysis:\n            1.  Assets\n            2.  Liabilities\n            3.  Income\n            4.  Credit report\n            5.  Qualifying ratios \\(LTV, debt-to-income\\)\n            6.  Ability to repay\n        2.  Appraisals:\n            1.  Purpose/definitions\n            2.  Approaches \\(market, income, cost\\)\n            3.  Timing\n            4.  Independent appraisal requirement\n        3.  Title Report:\n            1.  Obtaining title reports\n            2.  Timing of title reports and commitments\n            3.  Preliminary title reports\n        4.  Insurance:\n            1.  Flood insurance\n            2.  PMI\n            3.  Hazard/homeowner insurance\n            4.  Government mortgage insurance\n    3.  Closing\n        1.  Title and title insurance\n        2.  Settlement/Closing Agent:\n            1.  Eligible signatures on security instrument\n   ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_faq\\mlo_testing_hbk_testOutline-1.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_faq\\mlo_testing_hbk_testOutline-1.md",
      "headings": [
        "SAFE MLO National Test with Uniform State Test Content Outline {#mlo_testing_hbk_testOutline .concept}",
        "Legislative Updates {#section_k5x_zfn_mbc .section}",
        "STRUCTURE OF THE SAFE MLO TEST {#section_ysx_bgn_mbc .section}",
        "SAFE Mortgage Loan Originator Test - National Component with Uniform State Test Reference List {#section_dd4_vsn_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_faq/mlo_testing_hbk_testOutline-1.html",
      "snippet": null
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    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_faq/mlo_testing_hbk_testOutline-1.md:chunk-6",
      "title": "SAFE MLO National Test with Uniform State Test Content Outline {#mlo_testing_hbk_testOutline .concept}",
      "content": "            4.  Government mortgage insurance\n    3.  Closing\n        1.  Title and title insurance\n        2.  Settlement/Closing Agent:\n            1.  Eligible signatures on security instrument\n            2.  Power of attorney\n        3.  Explanation of fees – HUD-1, title insurance, pre-paids, escrow expenses, loan origination fees\n        4.  Required closing documents\n        5.  Funding – rescission periods\n    4.  Financial Calculations\n        1.  Periodic interest\n        2.  Monthly payments\n        3.  Down payments\n        4.  Closing costs/prepaids\n        5.  ARM adjustments – interest rates and payments\n5.  Ethics \\(18%\\)\n    1.  Ethical Issues\n        1.  Prohibited acts:\n            1.  Redlining\n            2.  RESPA prohibitions\n            3.  Kickbacks/compensation\n            4.  Permitted/prohibited duties\n        2.  Fairness in lending:\n            1.  Referral \\(Definition/required disclosures\\)\n            2.  Coercion\n            3.  Appraiser conflict of interest\n            4.  Discrimination/fairness\n        3.  Fraud detection:\n            1.  Asset/income/employment fraud\n            2.  Sales contract/application red flags\n            3.  Occupancy fraud\n            4.  General red flags\n        4.  Suspicious bank and other activity; information not provided to borrower; verifying application information\n        5.  Advertising:\n            1.  Misleading information\n            2.  Due diligence review\n            3.  \"Unfair, deceptive, or abusive acts\"\n            4.  Federal regulation\n        6.  Predatory lending and steering\n    2.  Ethical behavior related to loan origination activities\n        1.  Financial responsibility:\n            1.  Permitted fees/compensation; fee changes; closing cost scenarios; referral fees; fee splitting\n        2.  Handling borrower complaints\n        3.  Mortgage company compliance:\n            1.  Discovery of material information; information supplied by employers\n        4.  Relationships",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_faq\\mlo_testing_hbk_testOutline-1.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_faq\\mlo_testing_hbk_testOutline-1.md",
      "headings": [
        "SAFE MLO National Test with Uniform State Test Content Outline {#mlo_testing_hbk_testOutline .concept}",
        "Legislative Updates {#section_k5x_zfn_mbc .section}",
        "STRUCTURE OF THE SAFE MLO TEST {#section_ysx_bgn_mbc .section}",
        "SAFE Mortgage Loan Originator Test - National Component with Uniform State Test Reference List {#section_dd4_vsn_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_faq/mlo_testing_hbk_testOutline-1.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_faq/mlo_testing_hbk_testOutline-1.md:chunk-7",
      "title": "SAFE MLO National Test with Uniform State Test Content Outline {#mlo_testing_hbk_testOutline .concept}",
      "content": "litting\n        2.  Handling borrower complaints\n        3.  Mortgage company compliance:\n            1.  Discovery of material information; information supplied by employers\n        4.  Relationships with consumers:\n            1.  Handling personal information/cybersecurity; disclosing conflicts of interest; requesting credit reports\n            2.  Changes in down payments or offered interest rates; powers of attorney; non-resident co-borrowers\n            3.  Unreported/fluctuating income; gifts/unexplained deposits; appraiser interactions; multiple applications\n            4.  Truth in marketing and advertising – permissible statements in advertising\n            5.  General business ethics:\n                1.  Falsified information by borrower or MLO\n                2.  Giving solicited/unsolicited advice\n                3.  Outside parties seeking information\n\n## SAFE Mortgage Loan Originator Test - National Component with Uniform State Test Reference List \n\n**Note:** The following is a list of the sources used in the development of the National Test Component. It is not intended to be an all-inclusive list but may be used as a guide in preparing to take the test.\n\n-   CHAPTER 27 - REAL ESTATE SETTLEMENT PROCEDURES ACT \\(RESPA\\)\n-   Title XII Banks and Banking\n-   12 CFR 1024 – RESPA \\(REG X\\)\n-   12 CFR 1002 – EQUAL CREDIT OPPORTUNITY ACT - ECOA \\(REGULATION B\\)\n-   12 CFR 1026 – TRUTH-IN-LENDING ACT \\(REG Z\\)\n\n    -   Home Ownership and Equity Protection Act \\(HOEPA\\) Rule\n    -   Escrow Rule\n    -   Federal Mortgage Disclosure Requirements under the Truth in Lending Act \\(Regulation Z\\)\n    -   TILA-RESPA INTEGRATED DISCLOSURES \\(TRID\\)\n-   12 CFR 1003 – HOME MORTGAGE DISCLOSURE \\(REGULATION C\\)\n-   12 CFR 1022 – FAIR CREDIT REPORTING \\(REGULATION V\\)\n-   15 USC 1681 et seq. – FAIR CREDIT REPORTING ACT\n-   12 CFR 1016 – PRIVACY OF CONSUMER FINANCIAL INFORMATION \\(REGULATION P\\)\n-   15 USC 6101-6108 TELEMARKETING AND CONSUMER FRAUD AND ABUSE PREVENTION ACT\n-",
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      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_faq\\mlo_testing_hbk_testOutline-1.md",
      "headings": [
        "SAFE MLO National Test with Uniform State Test Content Outline {#mlo_testing_hbk_testOutline .concept}",
        "Legislative Updates {#section_k5x_zfn_mbc .section}",
        "STRUCTURE OF THE SAFE MLO TEST {#section_ysx_bgn_mbc .section}",
        "SAFE Mortgage Loan Originator Test - National Component with Uniform State Test Reference List {#section_dd4_vsn_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_faq/mlo_testing_hbk_testOutline-1.html",
      "snippet": null
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      "id": "maps/NMLS/education/mlo_testing/mlo_test_faq/mlo_testing_hbk_testOutline-1.md:chunk-8",
      "title": "SAFE MLO National Test with Uniform State Test Content Outline {#mlo_testing_hbk_testOutline .concept}",
      "content": "C 1681 et seq. – FAIR CREDIT REPORTING ACT\n-   12 CFR 1016 – PRIVACY OF CONSUMER FINANCIAL INFORMATION \\(REGULATION P\\)\n-   15 USC 6101-6108 TELEMARKETING AND CONSUMER FRAUD AND ABUSE PREVENTION ACT\n-   15 USC 6151 – NATIONAL DO-NOT-CALL REGISTRY\n-   47 CFR 64.1200 – SUBPART L RESTRICTIONS ON TELEMARKETING, TELEPHONE SOLICITATION AND FACSIMILIE ADVERTISTING\n-   16 CFR 310 – TELEMARKETING SALES RULE\n-   16 CFR 313 – Privacy of Consumer Financial Information\n-   16 CFR 681 – IDENTITY THEFT RULES\n-   31 CFR 1029.320 – Reports by loan or finance companies of suspicious transactions\n-   15 USC 6801-6809 – DISCLOSURE OF NONPUBLIC PERSONAL INFORMATION\n\n    -   PRIVACY OF CONSUMER FINANCIAL INFORMATION\n    -   STANDARDS FOR SAFEGUARDING CUSTOMER INFORMATION\n-   12 CFR 1014 – MORTGAGE ACTS AND PRACTICES - ADVERTISING \\(REGULATION N\\)\n-   USA PATRIOT Act\n-   Homeowners Protection Act\n-   4506-T – Request for Transcript of Tax Return\n-   HUD Home Equity Conversion Mortgages \\(HECMS\\)\n-   The Federal Housing Administration \\(FHA\\)\n-   FHA Mortgage Limits\n-   VA home loan types\n-   Single Family Housing Policy Handbook 4000.1\n-   HUD – Single Family Housing – Insurance Premiums\n-   Consumer Finance Protection Bureau \\(CFPB\\)\n\n    -   CFPB: Final Rules\n    -   CFPB: Compliance\n-   CFPB Ability to Repay and Qualified Mortgage Rule, Small entity compliance guide\n\n    -   CFPB: Balloon Payment\n    -   CFPB: Construction Loan\n    -   CFPB: Loan to Value Ratio\n    -   CFPB: Private Mortgage Insurance\n    -   CFPB: Interest Rate and APR\n    -   CFPB: Discount Points\n    -   CFPB: Right of rescission\n    -   CFPB: Mortgages\n-   Consumer handbook on adjustable-rate mortgages\n-   15 U.S. Code Chapter 96 - Electronic Signatures in Global and National Commerce Act \\(E-Sign Act\\)\n-   Fannie Mae\n\n    -   Fannie Mae: Loan Limits\n    -   Fannie Mae: Selling Guide\n-   Federal Financial Institutions Examination Council \\(FFIEC\\) - The Detection and Deterrence of Mortgage Fraud Against Financial I",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_faq\\mlo_testing_hbk_testOutline-1.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_faq\\mlo_testing_hbk_testOutline-1.md",
      "headings": [
        "SAFE MLO National Test with Uniform State Test Content Outline {#mlo_testing_hbk_testOutline .concept}",
        "Legislative Updates {#section_k5x_zfn_mbc .section}",
        "STRUCTURE OF THE SAFE MLO TEST {#section_ysx_bgn_mbc .section}",
        "SAFE Mortgage Loan Originator Test - National Component with Uniform State Test Reference List {#section_dd4_vsn_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_faq/mlo_testing_hbk_testOutline-1.html",
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      "id": "maps/NMLS/education/mlo_testing/mlo_test_faq/mlo_testing_hbk_testOutline-1.md:chunk-9",
      "title": "SAFE MLO National Test with Uniform State Test Content Outline {#mlo_testing_hbk_testOutline .concept}",
      "content": "\n    -   Fannie Mae: Loan Limits\n    -   Fannie Mae: Selling Guide\n-   Federal Financial Institutions Examination Council \\(FFIEC\\) - The Detection and Deterrence of Mortgage Fraud Against Financial Institutions\n-   Freddie Mac\n-   FTC: The Real Estate Marketplace Glossary\n-   CSBS/AARMR Guidance on Nontraditional Mortgage Product Risks\n-   SAFE Mortgage Licensing Act of 2008\n-   12 USC Chapter 51 – SECURE AND FAIR ENFORCEMENT FOR MORTGAGE LENDING\n-   12 CFR 1008-- S.A.F.E. MORTGAGE LICENSING ACT—STATE COMPLIANCE AND BUREAU REGISTRATION SYSTEM \\(REGULATION H\\)\n\n**Parent topic:**MLO Testing Handbook",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_faq\\mlo_testing_hbk_testOutline-1.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_faq\\mlo_testing_hbk_testOutline-1.md",
      "headings": [
        "SAFE MLO National Test with Uniform State Test Content Outline {#mlo_testing_hbk_testOutline .concept}",
        "Legislative Updates {#section_k5x_zfn_mbc .section}",
        "STRUCTURE OF THE SAFE MLO TEST {#section_ysx_bgn_mbc .section}",
        "SAFE Mortgage Loan Originator Test - National Component with Uniform State Test Reference List {#section_dd4_vsn_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_faq/mlo_testing_hbk_testOutline-1.html",
      "snippet": null
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    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_faq/mlo_testing_hbk_testOutline.md:chunk-0",
      "title": "SAFE MLO National Test with Uniform State Test Content Outline {#mlo_testing_hbk_testOutline .concept}",
      "content": "# SAFE MLO National Test with Uniform State Test Content Outline \n\nCandidates are responsible for keeping abreast of changes made to the applicable statutes, regulations and rules regardless of whether they appear on this outline or the test.\n\n\\*\\*\\*PLEASE READ CAREFULLY\\*\\*\\*\n\n## Legislative Updates \n\nLegislative changes may occur throughout the test administration cycle. Candidates should answer test questions based on the current statutes, regulations and rules.\n\nCandidates are responsible for keeping abreast of changes made to the applicable statutes, regulations and rules regardless of whether they appear on this outline or the test. The outline is not intended to list every aspect of a topic mentioned. Although the test items are developed from these categories, each topic is not necessarily tested on each examination.\n\n## STRUCTURE OF THE SAFE MLO TEST \n\nThe test consists of 120 multiple-choice items \\(115 scored test questions and 5 unscored test questions\\) that are distributed among the five major content areas listed in the table below. References can be found at the end.\n\n|Content Area|Percentage of Test|\n|------------|------------------|\n|Federal Mortgage Related Laws|24%|\n|Uniform State Content|11%|\n|General Mortgage Knowledge|20%|\n|Mortgage Loan Origination Activities|27%|\n|Ethics|18%|\n\n1.  FEDERAL MORTGAGE RELATED LAWS \\(24%\\)\n    1.  Real Estate Settlement Procedures Act \\(RESPA\\), 12 CFR Part 1024 \\(Regulation X\\)\n        1.  RESPA origins and purpose; definition of “mortgage broker”\n        2.  Applicable loan types\n        3.  RESPA prohibitions, limitations, & exemptions\n        4.  Settlement services\n        5.  Required borrower information on application \\(Regulation X\\)\n        6.  Foreclosure process\n        7.  Initial escrow statements\n    2.  Equal Credit Opportunity Act \\(ECOA\\), 12 CFR Part 1002 \\(Regulation B\\)\n        1.  ECOA permissible acts\n        2.  Factors that cannot be used to discriminate\n        3.  Circumstances where lo",
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      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_faq\\mlo_testing_hbk_testOutline.md",
      "headings": [
        "SAFE MLO National Test with Uniform State Test Content Outline {#mlo_testing_hbk_testOutline .concept}",
        "Legislative Updates {#section_k5x_zfn_mbc .section}",
        "STRUCTURE OF THE SAFE MLO TEST {#section_ysx_bgn_mbc .section}",
        "SAFE Mortgage Loan Originator Test - National Component with Uniform State Test Reference List {#section_dd4_vsn_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_faq/mlo_testing_hbk_testOutline.html",
      "snippet": null
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    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_faq/mlo_testing_hbk_testOutline.md:chunk-1",
      "title": "SAFE MLO National Test with Uniform State Test Content Outline {#mlo_testing_hbk_testOutline .concept}",
      "content": ".  Equal Credit Opportunity Act \\(ECOA\\), 12 CFR Part 1002 \\(Regulation B\\)\n        1.  ECOA permissible acts\n        2.  Factors that cannot be used to discriminate\n        3.  Circumstances where loan can be denied\n        4.  Regulation B\n        5.  Notifying borrower of action taken \\(timing\\)\n        6.  Required disclosures when application denied\n        7.  Adverse action: definition/examples/notifications/timing\n        8.  Information required on application; definition of \"elderly\"\n        9.  Mortgage loan originator \\(MLO\\) actions when borrower refuses to provide race/gender information\n        10. Co-signer requirements\n        11. Acceptable income for loan review\n        12. Creditworthiness factors\n    3.  Truth in Lending Act \\(TILA\\), 12 CFR Part 1026 \\(Regulation Z\\)\n        1.  Purpose of TILA\n        2.  Loans covered under TILA\n        3.  Definitions including APR, finance charge, dwelling, residential mortgage loan\n        4.  \"Notice of right to rescind\"; refinance rescind scenarios; defining \"seller contributions\"\n        5.  Home Ownership and Equity Protection Act \\(HOEPA\\), high-cost mortgages \\(12 CFR 1026.32\\)\n        6.  Higher-priced mortgage loans \\(12 CFR 1026.35\\)\n        7.  MLO compensation \\(12 CFR 1026.36\\(d\\)\\)\n    4.  TILA-RESPA Integrated Disclosure Rule \\(TRID\\) \\(“Know Before You Owe”\\)\n        1.  Purpose of TRID\n        2.  Loans covered under TRID\n        3.  Loan estimates: facts, required information, charges/fees\n        4.  Definition of “loan consummation”\n        5.  Special information booklet\n        6.  Closing Disclosure\n        7.  Disclosures timing\n        8.  MLO actions if TRID disclosure is incomplete\n        9.  \"Change of circumstances\"\n        10. Information that must be provided to consumer upon request\n        11. Borrower's right to rescission\n        12. Annual escrow statement\n    5.  Other Federal Laws and Guidelines\n        1.  Home Mortgage Disclosure Act \\(HMDA\\), 12 CFR Part 1003 \\(Regu",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_faq\\mlo_testing_hbk_testOutline.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_faq\\mlo_testing_hbk_testOutline.md",
      "headings": [
        "SAFE MLO National Test with Uniform State Test Content Outline {#mlo_testing_hbk_testOutline .concept}",
        "Legislative Updates {#section_k5x_zfn_mbc .section}",
        "STRUCTURE OF THE SAFE MLO TEST {#section_ysx_bgn_mbc .section}",
        "SAFE Mortgage Loan Originator Test - National Component with Uniform State Test Reference List {#section_dd4_vsn_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_faq/mlo_testing_hbk_testOutline.html",
      "snippet": null
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      "title": "SAFE MLO National Test with Uniform State Test Content Outline {#mlo_testing_hbk_testOutline .concept}",
      "content": "uest\n        11. Borrower's right to rescission\n        12. Annual escrow statement\n    5.  Other Federal Laws and Guidelines\n        1.  Home Mortgage Disclosure Act \\(HMDA\\), 12 CFR Part 1003 \\(Regulation C\\)\n        2.  Fair Credit Reporting Act \\(FCRA\\)/Fair and Accurate Credit Transactions Act \\(FACTA\\) 15 USC § 1681 et seq.\n        3.  Federal Trade Commission Red Flag rules, 16 CFR Part 681\n        4.  Bank Secrecy Act/Anti-money Laundering \\(BSA/AML\\)\n        5.  Gramm-Leach-Bliley Act \\(GLBA\\) – Privacy, Federal Trade Commission Safeguard Rules and Do-Not-Call\n        6.  Mortgage Acts and Practices – Advertising, 12 CFR Part 1014 \\(Regulation N\\)\n        7.  Electronic Signatures in Global and National Commerce Act \\(E-Sign Act\\)\n        8.  USA PATRIOT Act\n        9.  Homeowners’ Protection Act \\(Private Mortgage Insurance \\(PMI\\) Cancellation Act\\)\n        10. Dodd-Frank Act\n    6.  Regulatory Authority\n        1.  Consumer Financial Protection Bureau \\(CFPB\\)\n        2.  Department of Housing and Urban Development \\(HUD\\)\n2.  UNIFORM STATE CONTENT \\(11%\\)\n    1.  A. SAFE Act and CSBS/AARMR Model State Law\n        1.  SAFE Act:\n            1.  General purpose and scope\n            2.  Documents to be filed for public record\n        2.  State Mortgage Regulatory Agencies:\n            1.  Regulatory powers and responsibilities\n            2.  NMLS Registry and relationship with state regulators\n            3.  Frequency of exams\n            4.  MLO unique identifiers\n            5.  CFPB authority and CFPB Loan Originator rule \\(dual compensation\\)\n        3.  License Law and Regulation:\n            1.  People required to be licensed\n            2.  MLO-licensed services\n            3.  Allowable activities by underwriters, clerical staff and loan processors\n            4.  Entities requiring licensed MLO\n            5.  Businesses not required to be licensed \\(depository institutions\\)\n            6.  Licensee qualifications & application process:\n       ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_faq\\mlo_testing_hbk_testOutline.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_faq\\mlo_testing_hbk_testOutline.md",
      "headings": [
        "SAFE MLO National Test with Uniform State Test Content Outline {#mlo_testing_hbk_testOutline .concept}",
        "Legislative Updates {#section_k5x_zfn_mbc .section}",
        "STRUCTURE OF THE SAFE MLO TEST {#section_ysx_bgn_mbc .section}",
        "SAFE Mortgage Loan Originator Test - National Component with Uniform State Test Reference List {#section_dd4_vsn_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_faq/mlo_testing_hbk_testOutline.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_faq/mlo_testing_hbk_testOutline.md:chunk-3",
      "title": "SAFE MLO National Test with Uniform State Test Content Outline {#mlo_testing_hbk_testOutline .concept}",
      "content": "           4.  Entities requiring licensed MLO\n            5.  Businesses not required to be licensed \\(depository institutions\\)\n            6.  Licensee qualifications & application process:\n                1.  Pre-license education\n                2.  Background checks\n                3.  Other requirements\n                4.  Felony charges\n            7.  Waiting period for test retakes\n            8.  Sponsorship requirement\n            9.  Definition of \"MLO\"\n            10. Grounds for denying a license\n            11. License maintenance:\n                1.  Renewal period\n                2.  Continuing Education requirements\n                3.  Maintaining active license\n                4.  Retaking the SAFE MLO National Test with Uniform State Content if inactive\n            12. NMLS requirements:\n                1.  Change of employment notifications\n                2.  Required submissions/disclosures\n                3.  NMLS identifier requirements\n            13. Temporary Authority to Originate – Economic Growth, Regulatory Relief, and Consumer Protection Act\n        4.  Compliance:\n            1.  State regulator's authority to examine a licensee’s books and records and interview employees\n            2.  Prohibited acts:\n                1.  Paying for real estate agent ads\n                2.  Using supervisor's NMLS unique identifier\n                3.  Omitting debt not on credit report\n                4.  \"Bait-and-switch\"\n            3.  Required conduct:\n                1.  Providing documents in complaint investigations\n                2.  Record retention\n                3.  Providing records to state regulators\n            4.  Assumable loans\n            5.  Permissible acts\n            6.  Penalties for failure to conduct certain duties\n            7.  General loan origination scenarios\n            8.  Advertising:\n                1.  Requirement to include NMLS unique identifier in advertisements\n3.  GENERAL MORTGAGE KNOWLEDGE \\(20%\\)\n    ",
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      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_faq\\mlo_testing_hbk_testOutline.md",
      "headings": [
        "SAFE MLO National Test with Uniform State Test Content Outline {#mlo_testing_hbk_testOutline .concept}",
        "Legislative Updates {#section_k5x_zfn_mbc .section}",
        "STRUCTURE OF THE SAFE MLO TEST {#section_ysx_bgn_mbc .section}",
        "SAFE Mortgage Loan Originator Test - National Component with Uniform State Test Reference List {#section_dd4_vsn_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_faq/mlo_testing_hbk_testOutline.html",
      "snippet": null
    },
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      "id": "maps/NMLS/education/mlo_testing/mlo_test_faq/mlo_testing_hbk_testOutline.md:chunk-4",
      "title": "SAFE MLO National Test with Uniform State Test Content Outline {#mlo_testing_hbk_testOutline .concept}",
      "content": "     7.  General loan origination scenarios\n            8.  Advertising:\n                1.  Requirement to include NMLS unique identifier in advertisements\n3.  GENERAL MORTGAGE KNOWLEDGE \\(20%\\)\n    1.  Qualified and Non-qualified Mortgage Programs\n        1.  Qualified mortgages\n        2.  Conventional/conforming\n            1.  Includes Fannie Mae and Freddie Mac\n        3.  Government\n            1.  Includes FHA, VA, USDA\n        4.  Conventional/nonconforming\n            1.  Jumbo, Alt-A\n            2.  Subprime mortgage\n            3.  Guidance on nontraditional mortgage product risk\n            4.  Non-qualified mortgage\n    2.  Mortgage Loan Products\n        1.  Fixed-rate mortgages\n        2.  Adjustable-rate mortgages \\(ARMs\\)\n        3.  Purchase money second mortgages\n        4.  Balloon mortgages\n        5.  Reverse mortgages\n        6.  Home equity line of credit \\(HELOC\\)\n        7.  Construction mortgages\n        8.  Interest-only mortgages\n    3.  Terms Used in the Mortgage Industry\n        1.  Loan terms: subordinate loans, escrow accounts, lien, tolerances, rate lock agreement, table funding\n        2.  Disclosure terms: yield spread premiums, federal mortgage loans, servicing transfers, lender credits\n        3.  Financial terms: discount points, 2-1 buy-down, loan-to-value \\(LTV\\) ratio, accrued interest, finance charges, daily simple interest\n        4.  General terms: subordination, conveyance, primary/secondary market, third-party providers, assumable loan, APR\n4.  MORTGAGE LOAN ORIGINATION ACTIVITIES \\(27%\\)\n    1.  Loan Inquiry and Application Process Requirements\n        1.  Loan inquiry process – includes required disclosures\n        2.  Borrower application:\n\n            1.  Accepting applications\n            2.  Offering/negotiating terms\n            3.  Managing information\n            4.  Permissible questions\n            5.  Gift donors\n        3.  Verification:\n\n            1.  Authorization forms\n            2.  Percentage of ban",
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      "headings": [
        "SAFE MLO National Test with Uniform State Test Content Outline {#mlo_testing_hbk_testOutline .concept}",
        "Legislative Updates {#section_k5x_zfn_mbc .section}",
        "STRUCTURE OF THE SAFE MLO TEST {#section_ysx_bgn_mbc .section}",
        "SAFE Mortgage Loan Originator Test - National Component with Uniform State Test Reference List {#section_dd4_vsn_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_faq/mlo_testing_hbk_testOutline.html",
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      "title": "SAFE MLO National Test with Uniform State Test Content Outline {#mlo_testing_hbk_testOutline .concept}",
      "content": "\n            3.  Managing information\n            4.  Permissible questions\n            5.  Gift donors\n        3.  Verification:\n\n            1.  Authorization forms\n            2.  Percentage of bank account assets attributable toward a loan application\n            3.  Verifying employment\n        4.  Suitability of products & programs – reflecting the type of loan on a mortgage application\n        5.  Accuracy \\(tolerances\\):\n\n            1.  Violation scenarios\n            2.  Zero tolerance service charges\n            3.  10% tolerance service charges\n        6.  Disclosure timing:\n\n            1.  \"Know Before You Owe”\n            2.  Notification of action taken\n            3.  Early disclosures\n            4.  Affiliated business arrangements\n        7.  Loan estimate timing:\n\n            1.  Initial Loan Estimate\n            2.  Revised Loan Estimate\n            3.  Expiration of Loan Estimate settlement charges\n            4.  Tolerance corrections\n        8.  Closing Disclosure\n\n            1.  Homeownership Counseling Disclosure\n    2.  Qualification: Processing & Underwriting\n\n        1.  Borrower Analysis:\n            1.  Assets\n            2.  Liabilities\n            3.  Income\n            4.  Credit report\n            5.  Qualifying ratios \\(LTV, debt-to-income\\)\n            6.  Ability to repay\n        2.  Appraisals:\n            1.  Purpose/definitions\n            2.  Approaches \\(market, income, cost\\)\n            3.  Timing\n            4.  Independent appraisal requirement\n        3.  Title Report:\n            1.  Obtaining title reports\n            2.  Timing of title reports and commitments\n            3.  Preliminary title reports\n        4.  Insurance:\n            1.  Flood insurance\n            2.  PMI\n            3.  Hazard/homeowner insurance\n            4.  Government mortgage insurance\n    3.  Closing\n        1.  Title and title insurance\n        2.  Settlement/Closing Agent:\n            1.  Eligible signatures on security instrument\n   ",
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      "headings": [
        "SAFE MLO National Test with Uniform State Test Content Outline {#mlo_testing_hbk_testOutline .concept}",
        "Legislative Updates {#section_k5x_zfn_mbc .section}",
        "STRUCTURE OF THE SAFE MLO TEST {#section_ysx_bgn_mbc .section}",
        "SAFE Mortgage Loan Originator Test - National Component with Uniform State Test Reference List {#section_dd4_vsn_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_faq/mlo_testing_hbk_testOutline.html",
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      "title": "SAFE MLO National Test with Uniform State Test Content Outline {#mlo_testing_hbk_testOutline .concept}",
      "content": "            4.  Government mortgage insurance\n    3.  Closing\n        1.  Title and title insurance\n        2.  Settlement/Closing Agent:\n            1.  Eligible signatures on security instrument\n            2.  Power of attorney\n        3.  Explanation of fees – HUD-1, title insurance, pre-paids, escrow expenses, loan origination fees\n        4.  Required closing documents\n        5.  Funding – rescission periods\n    4.  Financial Calculations\n        1.  Periodic interest\n        2.  Monthly payments\n        3.  Down payments\n        4.  Closing costs/prepaids\n        5.  ARM adjustments – interest rates and payments\n5.  Ethics \\(18%\\)\n    1.  Ethical Issues\n        1.  Prohibited acts:\n            1.  Redlining\n            2.  RESPA prohibitions\n            3.  Kickbacks/compensation\n            4.  Permitted/prohibited duties\n        2.  Fairness in lending:\n            1.  Referral \\(Definition/required disclosures\\)\n            2.  Coercion\n            3.  Appraiser conflict of interest\n            4.  Discrimination/fairness\n        3.  Fraud detection:\n            1.  Asset/income/employment fraud\n            2.  Sales contract/application red flags\n            3.  Occupancy fraud\n            4.  General red flags\n        4.  Suspicious bank and other activity; information not provided to borrower; verifying application information\n        5.  Advertising:\n            1.  Misleading information\n            2.  Due diligence review\n            3.  \"Unfair, deceptive, or abusive acts\"\n            4.  Federal regulation\n        6.  Predatory lending and steering\n    2.  Ethical behavior related to loan origination activities\n        1.  Financial responsibility:\n            1.  Permitted fees/compensation; fee changes; closing cost scenarios; referral fees; fee splitting\n        2.  Handling borrower complaints\n        3.  Mortgage company compliance:\n            1.  Discovery of material information; information supplied by employers\n        4.  Relationships",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_faq\\mlo_testing_hbk_testOutline.md",
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      "headings": [
        "SAFE MLO National Test with Uniform State Test Content Outline {#mlo_testing_hbk_testOutline .concept}",
        "Legislative Updates {#section_k5x_zfn_mbc .section}",
        "STRUCTURE OF THE SAFE MLO TEST {#section_ysx_bgn_mbc .section}",
        "SAFE Mortgage Loan Originator Test - National Component with Uniform State Test Reference List {#section_dd4_vsn_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_faq/mlo_testing_hbk_testOutline.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_faq/mlo_testing_hbk_testOutline.md:chunk-7",
      "title": "SAFE MLO National Test with Uniform State Test Content Outline {#mlo_testing_hbk_testOutline .concept}",
      "content": "litting\n        2.  Handling borrower complaints\n        3.  Mortgage company compliance:\n            1.  Discovery of material information; information supplied by employers\n        4.  Relationships with consumers:\n            1.  Handling personal information/cybersecurity; disclosing conflicts of interest; requesting credit reports\n            2.  Changes in down payments or offered interest rates; powers of attorney; non-resident co-borrowers\n            3.  Unreported/fluctuating income; gifts/unexplained deposits; appraiser interactions; multiple applications\n            4.  Truth in marketing and advertising – permissible statements in advertising\n            5.  General business ethics:\n                1.  Falsified information by borrower or MLO\n                2.  Giving solicited/unsolicited advice\n                3.  Outside parties seeking information\n\n## SAFE Mortgage Loan Originator Test - National Component with Uniform State Test Reference List \n\n**Note:** The following is a list of the sources used in the development of the National Test Component. It is not intended to be an all-inclusive list but may be used as a guide in preparing to take the test.\n\n-   CHAPTER 27 - REAL ESTATE SETTLEMENT PROCEDURES ACT \\(RESPA\\)\n-   Title XII Banks and Banking\n-   12 CFR 1024 – RESPA \\(REG X\\)\n-   12 CFR 1002 – EQUAL CREDIT OPPORTUNITY ACT - ECOA \\(REGULATION B\\)\n-   12 CFR 1026 – TRUTH-IN-LENDING ACT \\(REG Z\\)\n\n    -   Home Ownership and Equity Protection Act \\(HOEPA\\) Rule\n    -   Escrow Rule\n    -   Federal Mortgage Disclosure Requirements under the Truth in Lending Act \\(Regulation Z\\)\n    -   TILA-RESPA INTEGRATED DISCLOSURES \\(TRID\\)\n-   12 CFR 1003 – HOME MORTGAGE DISCLOSURE \\(REGULATION C\\)\n-   12 CFR 1022 – FAIR CREDIT REPORTING \\(REGULATION V\\)\n-   15 USC 1681 et seq. – FAIR CREDIT REPORTING ACT\n-   12 CFR 1016 – PRIVACY OF CONSUMER FINANCIAL INFORMATION \\(REGULATION P\\)\n-   15 USC 6101-6108 TELEMARKETING AND CONSUMER FRAUD AND ABUSE PREVENTION ACT\n-",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_faq\\mlo_testing_hbk_testOutline.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_faq\\mlo_testing_hbk_testOutline.md",
      "headings": [
        "SAFE MLO National Test with Uniform State Test Content Outline {#mlo_testing_hbk_testOutline .concept}",
        "Legislative Updates {#section_k5x_zfn_mbc .section}",
        "STRUCTURE OF THE SAFE MLO TEST {#section_ysx_bgn_mbc .section}",
        "SAFE Mortgage Loan Originator Test - National Component with Uniform State Test Reference List {#section_dd4_vsn_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_faq/mlo_testing_hbk_testOutline.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_faq/mlo_testing_hbk_testOutline.md:chunk-8",
      "title": "SAFE MLO National Test with Uniform State Test Content Outline {#mlo_testing_hbk_testOutline .concept}",
      "content": "C 1681 et seq. – FAIR CREDIT REPORTING ACT\n-   12 CFR 1016 – PRIVACY OF CONSUMER FINANCIAL INFORMATION \\(REGULATION P\\)\n-   15 USC 6101-6108 TELEMARKETING AND CONSUMER FRAUD AND ABUSE PREVENTION ACT\n-   15 USC 6151 – NATIONAL DO-NOT-CALL REGISTRY\n-   47 CFR 64.1200 – SUBPART L RESTRICTIONS ON TELEMARKETING, TELEPHONE SOLICITATION AND FACSIMILIE ADVERTISTING\n-   16 CFR 310 – TELEMARKETING SALES RULE\n-   16 CFR 313 – Privacy of Consumer Financial Information\n-   16 CFR 681 – IDENTITY THEFT RULES\n-   31 CFR 1029.320 – Reports by loan or finance companies of suspicious transactions\n-   15 USC 6801-6809 – DISCLOSURE OF NONPUBLIC PERSONAL INFORMATION\n\n    -   PRIVACY OF CONSUMER FINANCIAL INFORMATION\n    -   STANDARDS FOR SAFEGUARDING CUSTOMER INFORMATION\n-   12 CFR 1014 – MORTGAGE ACTS AND PRACTICES - ADVERTISING \\(REGULATION N\\)\n-   USA PATRIOT Act\n-   Homeowners Protection Act\n-   4506-T – Request for Transcript of Tax Return\n-   HUD Home Equity Conversion Mortgages \\(HECMS\\)\n-   The Federal Housing Administration \\(FHA\\)\n-   FHA Mortgage Limits\n-   VA home loan types\n-   Single Family Housing Policy Handbook 4000.1\n-   HUD – Single Family Housing – Insurance Premiums\n-   Consumer Finance Protection Bureau \\(CFPB\\)\n\n    -   CFPB: Final Rules\n    -   CFPB: Compliance\n-   CFPB Ability to Repay and Qualified Mortgage Rule, Small entity compliance guide\n\n    -   CFPB: Balloon Payment\n    -   CFPB: Construction Loan\n    -   CFPB: Loan to Value Ratio\n    -   CFPB: Private Mortgage Insurance\n    -   CFPB: Interest Rate and APR\n    -   CFPB: Discount Points\n    -   CFPB: Right of rescission\n    -   CFPB: Mortgages\n-   Consumer handbook on adjustable-rate mortgages\n-   15 U.S. Code Chapter 96 - Electronic Signatures in Global and National Commerce Act \\(E-Sign Act\\)\n-   Fannie Mae\n\n    -   Fannie Mae: Loan Limits\n    -   Fannie Mae: Selling Guide\n-   Federal Financial Institutions Examination Council \\(FFIEC\\) - The Detection and Deterrence of Mortgage Fraud Against Financial I",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_faq\\mlo_testing_hbk_testOutline.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_faq\\mlo_testing_hbk_testOutline.md",
      "headings": [
        "SAFE MLO National Test with Uniform State Test Content Outline {#mlo_testing_hbk_testOutline .concept}",
        "Legislative Updates {#section_k5x_zfn_mbc .section}",
        "STRUCTURE OF THE SAFE MLO TEST {#section_ysx_bgn_mbc .section}",
        "SAFE Mortgage Loan Originator Test - National Component with Uniform State Test Reference List {#section_dd4_vsn_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_faq/mlo_testing_hbk_testOutline.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_faq/mlo_testing_hbk_testOutline.md:chunk-9",
      "title": "SAFE MLO National Test with Uniform State Test Content Outline {#mlo_testing_hbk_testOutline .concept}",
      "content": "\n    -   Fannie Mae: Loan Limits\n    -   Fannie Mae: Selling Guide\n-   Federal Financial Institutions Examination Council \\(FFIEC\\) - The Detection and Deterrence of Mortgage Fraud Against Financial Institutions\n-   Freddie Mac\n-   FTC: The Real Estate Marketplace Glossary\n-   CSBS/AARMR Guidance on Nontraditional Mortgage Product Risks\n-   SAFE Mortgage Licensing Act of 2008\n-   12 USC Chapter 51 – SECURE AND FAIR ENFORCEMENT FOR MORTGAGE LENDING\n-   12 CFR 1008-- S.A.F.E. MORTGAGE LICENSING ACT—STATE COMPLIANCE AND BUREAU REGISTRATION SYSTEM \\(REGULATION H\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_faq\\mlo_testing_hbk_testOutline.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_faq\\mlo_testing_hbk_testOutline.md",
      "headings": [
        "SAFE MLO National Test with Uniform State Test Content Outline {#mlo_testing_hbk_testOutline .concept}",
        "Legislative Updates {#section_k5x_zfn_mbc .section}",
        "STRUCTURE OF THE SAFE MLO TEST {#section_ysx_bgn_mbc .section}",
        "SAFE Mortgage Loan Originator Test - National Component with Uniform State Test Reference List {#section_dd4_vsn_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_faq/mlo_testing_hbk_testOutline.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_faq/mlo_testing_hbk_testPerformanceData.md:chunk-0",
      "title": "Test Performance Information {#xd_00cce92b871851eb-89552b4-19045cb1b75--7ffd .reference}",
      "content": "# Test Performance Information \n\n## SAFE MLO Test Pass Rate \n\nAs of December 31, 2024 the first-time pass rate for the SAFE MLO Test is 53%.\n\n**Parent topic:**MLO Testing Handbook",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_faq\\mlo_testing_hbk_testPerformanceData.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_faq\\mlo_testing_hbk_testPerformanceData.md",
      "headings": [
        "Test Performance Information {#xd_00cce92b871851eb-89552b4-19045cb1b75--7ffd .reference}",
        "SAFE MLO Test Pass Rate {#section_sjh_23s_gtb .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_faq/mlo_testing_hbk_testPerformanceData.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_test_hbk_candidateAgreement-1.md:chunk-0",
      "title": "Candidate Agreement {#xd_51ac355905d368b2--ed27faf-18ffd1bdbba--7ffd .concept}",
      "content": "# Candidate Agreement \n\nNATIONWIDE MORTGAGE LICENSING SYSTEM \\(NMLS\\) SAFE MORTGAGE LOAN ORIGINATOR TEST CANDIDATE TEST SECURITY AND CONFIDENTIALITY AGREEMENT\n\n## 1. The SAFE MLO Test is a confidential, copyrighted test, and you cannot share or discuss it. \n\nThe SAFE MLO Test is a confidential test. The questions and answer choices appearing on the test are not made available to the public. The SAFE MLO Test, including the test questions and answer choices, are copyrighted and are protected by U.S. and international copyright and trade secrets laws. The confidentiality and security of the SAFE MLO Test are an important part of ensuring the integrity of the test and the validity of test results, as well as the reliability of the licensure process. It is particularly important that test questions and answer choices be kept confidential.\n\nThus, you agree that you will not discuss or share with anyone any information about the questions and answer choices appearing on the SAFE MLO Test after you take the test. You will not share information about the test orally, in writing, on the Internet, or through any other means. You will not reconstruct any part of the exam from memory—whether orally or in writing—for any purpose, including the purpose of sharing that information with any other person or entity. You also agree not to copy or reproduce any portion of the test, or transmit any portion of the test contents to anyone. **In short, you cannot share information about what you saw on the SAFE MLO Test, or discuss test content, with anyone.** This prohibition applies prior to taking the test, during the test, or after you have taken the test.\n\n## 2. Soliciting or studying from confidential SAFE MLO Test content prior to taking the test is prohibited. \n\nJust as you are not permitted to share information about SAFE MLO Test content with anyone, you also cannot read, study from, or otherwise use confidential information about the SAFE MLO Test during your own test preparatio",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_test_hbk_candidateAgreement-1.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_test_hbk_candidateAgreement-1.md",
      "headings": [
        "Candidate Agreement {#xd_51ac355905d368b2--ed27faf-18ffd1bdbba--7ffd .concept}",
        "1. The SAFE MLO Test is a confidential, copyrighted test, and you cannot share or discuss it. {#section_n5r_r1t_rbc .section}",
        "2. Soliciting or studying from confidential SAFE MLO Test content prior to taking the test is prohibited. {#section_w43_s1t_rbc .section}",
        "3. You must also comply with the Test Taker’s Rules of Conduct \\(ROC\\) at the test site. {#section_cpp_t1t_rbc .section}",
        "4. The penalties for breaching this Agreement are serious. {#section_ahp_jbt_rbc .section}",
        "5. SRR has the right to cancel your test score. {#section_npn_lbt_rbc .section}",
        "6. You must cooperate in any future investigation related to test security. {#section_ohd_xbt_rbc .section}",
        "7. Privacy, Audio and Video Recording, and Biometric Data {#section_vkf_rct_rbc .section}",
        "8. You must report improper test-related conduct if you become aware of it. {#section_g3w_wct_rbc .section}",
        "9. You must agree to comply with these terms before you can test. {#section_c2t_zct_rbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_test_hbk_candidateAgreement-1.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_test_hbk_candidateAgreement-1.md:chunk-1",
      "title": "Candidate Agreement {#xd_51ac355905d368b2--ed27faf-18ffd1bdbba--7ffd .concept}",
      "content": "mitted to share information about SAFE MLO Test content with anyone, you also cannot read, study from, or otherwise use confidential information about the SAFE MLO Test during your own test preparation. You also agree not to ask any other individual to disclose exam content to you or to seek out test content from any other source.\n\n## 3. You must also comply with the Test Taker’s Rules of Conduct \\(ROC\\) at the test site. \n\nOn the day that you take the SAFE MLO Test, you must abide by the following Rules of Conduct:\n\n**ASSISTANCE**\n\n1.  I am attesting that I am the person I represent to be for this session.\n2.  I must not take or attempt to take any personal items including, but not limited to, notes, formulas, study materials, or electronic devices into the testing room. I understand that no other person is allowed to enter the room while I am taking the test.\n3.  I must not receive or attempt to receive any form of assistance during the test or restroom breaks.\n4.  I must not give or attempt to give any form of assistance during the test or restroom breaks.\n5.  I must not use or attempt to use a telephone, cellular phone, pager, hand held computer, headphones, ear buds or other device, electronic or otherwise, during the test or restroom breaks. I may use a calculator if provided to me by the test center.\n\n**BREAK POLICY / PERSONAL BELONGINGS**\n\n1.  I must not access my personal belongings during my break. I must only go to the restroom when on a break. I must not deviate during my travels to and from the restroom for any reason. Personal belongings include, but are not limited to: car keys, food, beverages, cigarettes, outerwear, notes, study materials, cellular phones or any electronic devices.\n\n**TEST CONFIDENTIALITY**\n\n1.  I must not remove or attempt to remove any written, printed, or recorded materials from the test other than the score report, if provided. The test materials remain the property of NMLS and/or developing organization\\(s\\), and I shall mainta",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_test_hbk_candidateAgreement-1.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_test_hbk_candidateAgreement-1.md",
      "headings": [
        "Candidate Agreement {#xd_51ac355905d368b2--ed27faf-18ffd1bdbba--7ffd .concept}",
        "1. The SAFE MLO Test is a confidential, copyrighted test, and you cannot share or discuss it. {#section_n5r_r1t_rbc .section}",
        "2. Soliciting or studying from confidential SAFE MLO Test content prior to taking the test is prohibited. {#section_w43_s1t_rbc .section}",
        "3. You must also comply with the Test Taker’s Rules of Conduct \\(ROC\\) at the test site. {#section_cpp_t1t_rbc .section}",
        "4. The penalties for breaching this Agreement are serious. {#section_ahp_jbt_rbc .section}",
        "5. SRR has the right to cancel your test score. {#section_npn_lbt_rbc .section}",
        "6. You must cooperate in any future investigation related to test security. {#section_ohd_xbt_rbc .section}",
        "7. Privacy, Audio and Video Recording, and Biometric Data {#section_vkf_rct_rbc .section}",
        "8. You must report improper test-related conduct if you become aware of it. {#section_g3w_wct_rbc .section}",
        "9. You must agree to comply with these terms before you can test. {#section_c2t_zct_rbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_test_hbk_candidateAgreement-1.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_test_hbk_candidateAgreement-1.md:chunk-2",
      "title": "Candidate Agreement {#xd_51ac355905d368b2--ed27faf-18ffd1bdbba--7ffd .concept}",
      "content": "y written, printed, or recorded materials from the test other than the score report, if provided. The test materials remain the property of NMLS and/or developing organization\\(s\\), and I shall maintain the confidentiality of the materials, including the questions and my answers to them.\n2.  I will not share the content of the test with anyone including but not limited to colleagues, course instructors, or anyone other than persons authorized by NMLS. I agree that I must not make test content or test information available to anyone. I must not allow any other person to record or memorialize any test content or information.\n\n**BEHAVIOR / CONDUCT**\n\n1.  I must not engage in any conduct that is disruptive or threatening to a test center staff member or another candidate. I must not engage in any conduct that creates a disturbance or interferes with the administration of the test or with the administration of other candidates’ tests.\n2.  I must not engage in any conduct that would be contrary to good character or reputation, or engage in any behavior that would cause the public to believe that I would not operate in the mortgage loan business lawfully, honestly or fairly.\n3.  I must not engage in any conduct that is dishonest or fraudulent, or would adversely impact the integrity of the test or the test procedure.\n\n**POSSIBLE CONSEQUENCES OF ROC VIOLATIONS**\n\nI understand that test center representatives or others will report any alleged violations to the NMLS and that NMLS may report alleged violations to the state\\(s\\) in which I am seeking licensure, or any other states.\n\nI further understand that the results of any investigation into my alleged violations may be reported to the state\\(s\\) in which I am seeking licensure, or any other states. At its discretion, NMLS may publicize the determination and the sanction of any investigation on the NMLS Resource Center or through other reasonable means of communication.\n\nReports of alleged violations or results of investiga",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_test_hbk_candidateAgreement-1.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_test_hbk_candidateAgreement-1.md",
      "headings": [
        "Candidate Agreement {#xd_51ac355905d368b2--ed27faf-18ffd1bdbba--7ffd .concept}",
        "1. The SAFE MLO Test is a confidential, copyrighted test, and you cannot share or discuss it. {#section_n5r_r1t_rbc .section}",
        "2. Soliciting or studying from confidential SAFE MLO Test content prior to taking the test is prohibited. {#section_w43_s1t_rbc .section}",
        "3. You must also comply with the Test Taker’s Rules of Conduct \\(ROC\\) at the test site. {#section_cpp_t1t_rbc .section}",
        "4. The penalties for breaching this Agreement are serious. {#section_ahp_jbt_rbc .section}",
        "5. SRR has the right to cancel your test score. {#section_npn_lbt_rbc .section}",
        "6. You must cooperate in any future investigation related to test security. {#section_ohd_xbt_rbc .section}",
        "7. Privacy, Audio and Video Recording, and Biometric Data {#section_vkf_rct_rbc .section}",
        "8. You must report improper test-related conduct if you become aware of it. {#section_g3w_wct_rbc .section}",
        "9. You must agree to comply with these terms before you can test. {#section_c2t_zct_rbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_test_hbk_candidateAgreement-1.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_test_hbk_candidateAgreement-1.md:chunk-3",
      "title": "Candidate Agreement {#xd_51ac355905d368b2--ed27faf-18ffd1bdbba--7ffd .concept}",
      "content": "publicize the determination and the sanction of any investigation on the NMLS Resource Center or through other reasonable means of communication.\n\nReports of alleged violations or results of investigations into alleged violations may subject me to disciplinary action by the state\\(s\\), including denial or revocation of my license\\(s\\).\n\n## 4. The penalties for breaching this Agreement are serious. \n\nAny violation of this Test Security and Confidentiality Agreement could subject you to significant consequences. Potential consequences include, but are not limited to, the following:\n\n-   Dismissal from the test site or denial of access to the test site;\n-   Opening of an investigation into the alleged violation;\n-   Reporting of the alleged violation, and/or the factual findings of any investigation of the violation, to the State\\(s\\) in which you are seeking licensure, your employer or potential employer, or other legitimately interested parties;\n-   Notation of the violation in the Nationwide Mortgage Licensing System;\n-   Invalidation or cancellation of your test score, before or after the score is reported, without a refund;\n-   A civil lawsuit;\n-   Criminal charges;\n-   Suspension of access to the test or a permanent ban from testing; or\n-   Other disciplinary action by SRR and/or the jurisdiction to which you are applying for licensure.\n\nIf you are alleged to have violated this Test Security and Confidentiality Agreement, the matter will be investigated in accordance with the Administrative Action Procedures for SAFE Testing Requirements \\(the “Administrative Action Procedures”\\). These Administrative Action Procedures may be amended or revised from time to time, and any investigation of your conduct will be governed by the Administrative Action Procedures in place at the time \\[that you sat for the SAFE MLO Test\\].\n\nSRR does not issue or revoke state licenses, but reports of alleged violations or results of investigations into alleged violations may subject you ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_test_hbk_candidateAgreement-1.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_test_hbk_candidateAgreement-1.md",
      "headings": [
        "Candidate Agreement {#xd_51ac355905d368b2--ed27faf-18ffd1bdbba--7ffd .concept}",
        "1. The SAFE MLO Test is a confidential, copyrighted test, and you cannot share or discuss it. {#section_n5r_r1t_rbc .section}",
        "2. Soliciting or studying from confidential SAFE MLO Test content prior to taking the test is prohibited. {#section_w43_s1t_rbc .section}",
        "3. You must also comply with the Test Taker’s Rules of Conduct \\(ROC\\) at the test site. {#section_cpp_t1t_rbc .section}",
        "4. The penalties for breaching this Agreement are serious. {#section_ahp_jbt_rbc .section}",
        "5. SRR has the right to cancel your test score. {#section_npn_lbt_rbc .section}",
        "6. You must cooperate in any future investigation related to test security. {#section_ohd_xbt_rbc .section}",
        "7. Privacy, Audio and Video Recording, and Biometric Data {#section_vkf_rct_rbc .section}",
        "8. You must report improper test-related conduct if you become aware of it. {#section_g3w_wct_rbc .section}",
        "9. You must agree to comply with these terms before you can test. {#section_c2t_zct_rbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_test_hbk_candidateAgreement-1.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_test_hbk_candidateAgreement-1.md:chunk-4",
      "title": "Candidate Agreement {#xd_51ac355905d368b2--ed27faf-18ffd1bdbba--7ffd .concept}",
      "content": "t the time \\[that you sat for the SAFE MLO Test\\].\n\nSRR does not issue or revoke state licenses, but reports of alleged violations or results of investigations into alleged violations may subject you to disciplinary action by the state\\(s\\) in which you are licensed or intend to seek licensure, including denial or revocation of your license\\(s\\).\n\n## 5. SRR has the right to cancel your test score. \n\nSRR reserves the right to invalidate or cancel any test score without refund if, in its sole discretion, it determines there is a good faith basis to question the validity of that score for any reason. As explained above, invalidation or cancellation of your test score is one possible consequence of a violation of this Test Security and Confidentiality Agreement. Additionally, the validity of a score may be questioned as a result of forensic data or other analyses showing testing anomalies. Testing anomalies may include, for example: unusual answer patterns, unusual timing of responses to questions, unusual score increases from one test sitting to another, or inconsistent performance on different parts of the test.\n\nYou may or may not receive advance notice of a score cancellation or invalidation decision. You understand and acknowledge that SRR is the final authority that determines whether you have the privilege of sitting for the SAFE MLO Test and whether the score you receive is released or transferred to any licensing jurisdiction.\n\n## 6. You must cooperate in any future investigation related to test security. \n\nYou may be called upon in the future to answer questions, provide information or documents, or otherwise participate in an investigation of a test security matter related to the SAFE MLO Test. Failure to fully cooperate with an investigation may be considered a breach of your obligations under this Agreement and may constitute ground for score invalidation, denial of access to the test, or other sanctions.\n\n## 7. Privacy, Audio and Video Recording, and Biome",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_test_hbk_candidateAgreement-1.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_test_hbk_candidateAgreement-1.md",
      "headings": [
        "Candidate Agreement {#xd_51ac355905d368b2--ed27faf-18ffd1bdbba--7ffd .concept}",
        "1. The SAFE MLO Test is a confidential, copyrighted test, and you cannot share or discuss it. {#section_n5r_r1t_rbc .section}",
        "2. Soliciting or studying from confidential SAFE MLO Test content prior to taking the test is prohibited. {#section_w43_s1t_rbc .section}",
        "3. You must also comply with the Test Taker’s Rules of Conduct \\(ROC\\) at the test site. {#section_cpp_t1t_rbc .section}",
        "4. The penalties for breaching this Agreement are serious. {#section_ahp_jbt_rbc .section}",
        "5. SRR has the right to cancel your test score. {#section_npn_lbt_rbc .section}",
        "6. You must cooperate in any future investigation related to test security. {#section_ohd_xbt_rbc .section}",
        "7. Privacy, Audio and Video Recording, and Biometric Data {#section_vkf_rct_rbc .section}",
        "8. You must report improper test-related conduct if you become aware of it. {#section_g3w_wct_rbc .section}",
        "9. You must agree to comply with these terms before you can test. {#section_c2t_zct_rbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_test_hbk_candidateAgreement-1.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_test_hbk_candidateAgreement-1.md:chunk-5",
      "title": "Candidate Agreement {#xd_51ac355905d368b2--ed27faf-18ffd1bdbba--7ffd .concept}",
      "content": "breach of your obligations under this Agreement and may constitute ground for score invalidation, denial of access to the test, or other sanctions.\n\n## 7. Privacy, Audio and Video Recording, and Biometric Data \n\nSRR requires you to submit certain personal information to take the SAFE MLO Test. That information consists of:\n\n1.  Name and personal contact details \\(address, telephone number, country-specific identification number, email address\\);\n2.  Login and password information;\n3.  Date of birth;\n4.  Gender;\n5.  Assessment details related to the SAFE MLO test such as your candidate ID number, the examinations you have taken, testing locations, test results, and any disciplinary actions;\n6.  Photographs;\n7.  Signature;\n8.  Video and audio recordings; and\n9.  Information in documents that you may submit to confirm your identity.\n\nSRR may collect certain information that is considered sensitive in some jurisdictions such as race, ethnicity, biometric data, and health information.\n\nSRR may collect some of this personal information directly from you, and it may receive some of it from its service provider, which is bound by contract to use the personal information it collects for the purpose of administering the SAFE MLO Test. SRR will not disclose or sell the personal information it collects in connection with the SAFE MLO Test to any third party unless SRR obtains your consent or the disclosure is required by law.\n\nSRR will use your personal information solely to administer the SAFE MLO Test and keep a record of your results, which is necessary to provide you with access to NMLS if you pass.\n\nAudio and Video Recording:\n:   If you take a remotely proctored version of the SAFE MLO Test, SRR will record audio, video, and screen captures from your computer, which may include video and audio of the place in your home, office, or other location in which you take the SAFE MLO Test. Applicable law may require all parties to give consent to the recording of a private convers",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_test_hbk_candidateAgreement-1.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_test_hbk_candidateAgreement-1.md",
      "headings": [
        "Candidate Agreement {#xd_51ac355905d368b2--ed27faf-18ffd1bdbba--7ffd .concept}",
        "1. The SAFE MLO Test is a confidential, copyrighted test, and you cannot share or discuss it. {#section_n5r_r1t_rbc .section}",
        "2. Soliciting or studying from confidential SAFE MLO Test content prior to taking the test is prohibited. {#section_w43_s1t_rbc .section}",
        "3. You must also comply with the Test Taker’s Rules of Conduct \\(ROC\\) at the test site. {#section_cpp_t1t_rbc .section}",
        "4. The penalties for breaching this Agreement are serious. {#section_ahp_jbt_rbc .section}",
        "5. SRR has the right to cancel your test score. {#section_npn_lbt_rbc .section}",
        "6. You must cooperate in any future investigation related to test security. {#section_ohd_xbt_rbc .section}",
        "7. Privacy, Audio and Video Recording, and Biometric Data {#section_vkf_rct_rbc .section}",
        "8. You must report improper test-related conduct if you become aware of it. {#section_g3w_wct_rbc .section}",
        "9. You must agree to comply with these terms before you can test. {#section_c2t_zct_rbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_test_hbk_candidateAgreement-1.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_test_hbk_candidateAgreement-1.md:chunk-6",
      "title": "Candidate Agreement {#xd_51ac355905d368b2--ed27faf-18ffd1bdbba--7ffd .concept}",
      "content": "e video and audio of the place in your home, office, or other location in which you take the SAFE MLO Test. Applicable law may require all parties to give consent to the recording of a private conversation before any recording can occur.\n\n    By clicking “I Accept,” you acknowledge that you have received, read, and understand this notice, and consent to SRR and its service provider recording video, audio, and screen captures of your activities during the examination, which may include images and audio of your home.\n\nBiometric Data:\n:   Certain laws regulate the collection, storage, use, and retention of biometric data, which may consist of “biometric identifiers” or “biometric information,” including retina or iris scan, fingerprint, voiceprint, or scan of hand or face geometry, and information derived from that data that is used to identify an individual. SRR, through its service provider, collects biometric data when you take a remotely proctored SAFE MLO Test to ensure the security, confidentiality, and integrity of the SAFE MLO Test and your test results, and for no other purpose. SRR will not disclose, sell, lease, or trade your biometric data without your consent, unless required by federal or state law, warrant, court order, or subpoena.\n\n    SRR has adopted a written policy establishing a retention schedule for the biometric data it collects. If you do not pass the SAFE MLO Test, SRR will retain biometric data for up to 5 years after your last test date. If you pass the SAFE MLO Test, SRR will retain biometric data for the duration that you maintain a license to use NMLS and for up to 5 years after your license expires. At the end of the retention period, SRR will destroy the biometric data.\n\n## 8. You must report improper test-related conduct if you become aware of it. \n\nIf you become aware of any improper conduct related to the SAFE MLO Test by any person, you have an obligation to report it to SRR. This includes, for example, but is not limited to, the sh",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_test_hbk_candidateAgreement-1.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_test_hbk_candidateAgreement-1.md",
      "headings": [
        "Candidate Agreement {#xd_51ac355905d368b2--ed27faf-18ffd1bdbba--7ffd .concept}",
        "1. The SAFE MLO Test is a confidential, copyrighted test, and you cannot share or discuss it. {#section_n5r_r1t_rbc .section}",
        "2. Soliciting or studying from confidential SAFE MLO Test content prior to taking the test is prohibited. {#section_w43_s1t_rbc .section}",
        "3. You must also comply with the Test Taker’s Rules of Conduct \\(ROC\\) at the test site. {#section_cpp_t1t_rbc .section}",
        "4. The penalties for breaching this Agreement are serious. {#section_ahp_jbt_rbc .section}",
        "5. SRR has the right to cancel your test score. {#section_npn_lbt_rbc .section}",
        "6. You must cooperate in any future investigation related to test security. {#section_ohd_xbt_rbc .section}",
        "7. Privacy, Audio and Video Recording, and Biometric Data {#section_vkf_rct_rbc .section}",
        "8. You must report improper test-related conduct if you become aware of it. {#section_g3w_wct_rbc .section}",
        "9. You must agree to comply with these terms before you can test. {#section_c2t_zct_rbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_test_hbk_candidateAgreement-1.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_test_hbk_candidateAgreement-1.md:chunk-7",
      "title": "Candidate Agreement {#xd_51ac355905d368b2--ed27faf-18ffd1bdbba--7ffd .concept}",
      "content": "e of it. \n\nIf you become aware of any improper conduct related to the SAFE MLO Test by any person, you have an obligation to report it to SRR. This includes, for example, but is not limited to, the sharing of information regarding test questions or answers after the test, improper conduct at the test site, test taking by proxy, or any other conduct in violation of this Agreement or any other rules or policies related to the SAFE MLO Test. You may report such conduct anonymously, but you are encouraged to keep records or a physical copy of the communication in which your report is made. Failure to report your knowledge of improper conduct may be considered a breach of your obligations under this Agreement, and may constitute grounds for score invalidation, denial of access to the test, or other sanctions.\n\nYou can report your knowledge of improper test conduct to NMLStest@csbs.org.\n\n## 9. You must agree to comply with these terms before you can test. \n\nBefore SRR can allow you to register for and access the SAFE MLO Test, you must acknowledge and agree to the terms and conditions explained to you in this Candidate Test Security and Confidentiality Agreement.\n\nBy clicking **I Accept**, you verify that you have read and understand, and that you agree to, the terms of this Candidate Test Security and Confidentiality Agreement. You are also agreeing that you understand the consequence of failing to honor the terms of this agreement. If you do not agree to these terms by choosing **I Do Not Accept** you will not be allowed to take the SAFE MLO Test.\n\nIn addition to agreeing to the terms of this Candidate Test Security and Confidentiality Agreement today, on test day you will be given the Test Takers Rules of Conduct \\(ROC\\) and will be asked to accept the ROC before you can begin taking the test.\n\n**Parent topic:**MLO Testing Handbook",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_test_hbk_candidateAgreement-1.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_test_hbk_candidateAgreement-1.md",
      "headings": [
        "Candidate Agreement {#xd_51ac355905d368b2--ed27faf-18ffd1bdbba--7ffd .concept}",
        "1. The SAFE MLO Test is a confidential, copyrighted test, and you cannot share or discuss it. {#section_n5r_r1t_rbc .section}",
        "2. Soliciting or studying from confidential SAFE MLO Test content prior to taking the test is prohibited. {#section_w43_s1t_rbc .section}",
        "3. You must also comply with the Test Taker’s Rules of Conduct \\(ROC\\) at the test site. {#section_cpp_t1t_rbc .section}",
        "4. The penalties for breaching this Agreement are serious. {#section_ahp_jbt_rbc .section}",
        "5. SRR has the right to cancel your test score. {#section_npn_lbt_rbc .section}",
        "6. You must cooperate in any future investigation related to test security. {#section_ohd_xbt_rbc .section}",
        "7. Privacy, Audio and Video Recording, and Biometric Data {#section_vkf_rct_rbc .section}",
        "8. You must report improper test-related conduct if you become aware of it. {#section_g3w_wct_rbc .section}",
        "9. You must agree to comply with these terms before you can test. {#section_c2t_zct_rbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_test_hbk_candidateAgreement-1.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_test_hbk_candidateAgreement-1.md:chunk-8",
      "title": "Candidate Agreement {#xd_51ac355905d368b2--ed27faf-18ffd1bdbba--7ffd .concept}",
      "content": "egin taking the test.\n\n**Parent topic:**MLO Testing Handbook",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_test_hbk_candidateAgreement-1.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_test_hbk_candidateAgreement-1.md",
      "headings": [
        "Candidate Agreement {#xd_51ac355905d368b2--ed27faf-18ffd1bdbba--7ffd .concept}",
        "1. The SAFE MLO Test is a confidential, copyrighted test, and you cannot share or discuss it. {#section_n5r_r1t_rbc .section}",
        "2. Soliciting or studying from confidential SAFE MLO Test content prior to taking the test is prohibited. {#section_w43_s1t_rbc .section}",
        "3. You must also comply with the Test Taker’s Rules of Conduct \\(ROC\\) at the test site. {#section_cpp_t1t_rbc .section}",
        "4. The penalties for breaching this Agreement are serious. {#section_ahp_jbt_rbc .section}",
        "5. SRR has the right to cancel your test score. {#section_npn_lbt_rbc .section}",
        "6. You must cooperate in any future investigation related to test security. {#section_ohd_xbt_rbc .section}",
        "7. Privacy, Audio and Video Recording, and Biometric Data {#section_vkf_rct_rbc .section}",
        "8. You must report improper test-related conduct if you become aware of it. {#section_g3w_wct_rbc .section}",
        "9. You must agree to comply with these terms before you can test. {#section_c2t_zct_rbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_test_hbk_candidateAgreement-1.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_test_hbk_candidateAgreement.md:chunk-0",
      "title": "Candidate Agreement {#xd_51ac355905d368b2--ed27faf-18ffd1bdbba--7ffd .concept}",
      "content": "# Candidate Agreement \n\nNATIONWIDE MORTGAGE LICENSING SYSTEM \\(NMLS\\) SAFE MORTGAGE LOAN ORIGINATOR TEST CANDIDATE TEST SECURITY AND CONFIDENTIALITY AGREEMENT\n\n## 1. The SAFE MLO Test is a confidential, copyrighted test, and you cannot share or discuss it. \n\nThe SAFE MLO Test is a confidential test. The questions and answer choices appearing on the test are not made available to the public. The SAFE MLO Test, including the test questions and answer choices, are copyrighted and are protected by U.S. and international copyright and trade secrets laws. The confidentiality and security of the SAFE MLO Test are an important part of ensuring the integrity of the test and the validity of test results, as well as the reliability of the licensure process. It is particularly important that test questions and answer choices be kept confidential.\n\nThus, you agree that you will not discuss or share with anyone any information about the questions and answer choices appearing on the SAFE MLO Test after you take the test. You will not share information about the test orally, in writing, on the Internet, or through any other means. You will not reconstruct any part of the exam from memory—whether orally or in writing—for any purpose, including the purpose of sharing that information with any other person or entity. You also agree not to copy or reproduce any portion of the test, or transmit any portion of the test contents to anyone. **In short, you cannot share information about what you saw on the SAFE MLO Test, or discuss test content, with anyone.** This prohibition applies prior to taking the test, during the test, or after you have taken the test.\n\n## 2. Soliciting or studying from confidential SAFE MLO Test content prior to taking the test is prohibited. \n\nJust as you are not permitted to share information about SAFE MLO Test content with anyone, you also cannot read, study from, or otherwise use confidential information about the SAFE MLO Test during your own test preparatio",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_test_hbk_candidateAgreement.md",
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      "headings": [
        "Candidate Agreement {#xd_51ac355905d368b2--ed27faf-18ffd1bdbba--7ffd .concept}",
        "1. The SAFE MLO Test is a confidential, copyrighted test, and you cannot share or discuss it. {#section_n5r_r1t_rbc .section}",
        "2. Soliciting or studying from confidential SAFE MLO Test content prior to taking the test is prohibited. {#section_w43_s1t_rbc .section}",
        "3. You must also comply with the Test Taker’s Rules of Conduct \\(ROC\\) at the test site. {#section_cpp_t1t_rbc .section}",
        "4. The penalties for breaching this Agreement are serious. {#section_ahp_jbt_rbc .section}",
        "5. SRR has the right to cancel your test score. {#section_npn_lbt_rbc .section}",
        "6. You must cooperate in any future investigation related to test security. {#section_ohd_xbt_rbc .section}",
        "7. Privacy, Audio and Video Recording, and Biometric Data {#section_vkf_rct_rbc .section}",
        "8. You must report improper test-related conduct if you become aware of it. {#section_g3w_wct_rbc .section}",
        "9. You must agree to comply with these terms before you can test. {#section_c2t_zct_rbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_test_hbk_candidateAgreement.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_test_hbk_candidateAgreement.md:chunk-1",
      "title": "Candidate Agreement {#xd_51ac355905d368b2--ed27faf-18ffd1bdbba--7ffd .concept}",
      "content": "mitted to share information about SAFE MLO Test content with anyone, you also cannot read, study from, or otherwise use confidential information about the SAFE MLO Test during your own test preparation. You also agree not to ask any other individual to disclose exam content to you or to seek out test content from any other source.\n\n## 3. You must also comply with the Test Taker’s Rules of Conduct \\(ROC\\) at the test site. \n\nOn the day that you take the SAFE MLO Test, you must abide by the following Rules of Conduct:\n\n**ASSISTANCE**\n\n1.  I am attesting that I am the person I represent to be for this session.\n2.  I must not take or attempt to take any personal items including, but not limited to, notes, formulas, study materials, or electronic devices into the testing room. I understand that no other person is allowed to enter the room while I am taking the test.\n3.  I must not receive or attempt to receive any form of assistance during the test or restroom breaks.\n4.  I must not give or attempt to give any form of assistance during the test or restroom breaks.\n5.  I must not use or attempt to use a telephone, cellular phone, pager, hand held computer, headphones, ear buds or other device, electronic or otherwise, during the test or restroom breaks. I may use a calculator if provided to me by the test center.\n\n**BREAK POLICY / PERSONAL BELONGINGS**\n\n1.  I must not access my personal belongings during my break. I must only go to the restroom when on a break. I must not deviate during my travels to and from the restroom for any reason. Personal belongings include, but are not limited to: car keys, food, beverages, cigarettes, outerwear, notes, study materials, cellular phones or any electronic devices.\n\n**TEST CONFIDENTIALITY**\n\n1.  I must not remove or attempt to remove any written, printed, or recorded materials from the test other than the score report, if provided. The test materials remain the property of NMLS and/or developing organization\\(s\\), and I shall mainta",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_test_hbk_candidateAgreement.md",
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      "headings": [
        "Candidate Agreement {#xd_51ac355905d368b2--ed27faf-18ffd1bdbba--7ffd .concept}",
        "1. The SAFE MLO Test is a confidential, copyrighted test, and you cannot share or discuss it. {#section_n5r_r1t_rbc .section}",
        "2. Soliciting or studying from confidential SAFE MLO Test content prior to taking the test is prohibited. {#section_w43_s1t_rbc .section}",
        "3. You must also comply with the Test Taker’s Rules of Conduct \\(ROC\\) at the test site. {#section_cpp_t1t_rbc .section}",
        "4. The penalties for breaching this Agreement are serious. {#section_ahp_jbt_rbc .section}",
        "5. SRR has the right to cancel your test score. {#section_npn_lbt_rbc .section}",
        "6. You must cooperate in any future investigation related to test security. {#section_ohd_xbt_rbc .section}",
        "7. Privacy, Audio and Video Recording, and Biometric Data {#section_vkf_rct_rbc .section}",
        "8. You must report improper test-related conduct if you become aware of it. {#section_g3w_wct_rbc .section}",
        "9. You must agree to comply with these terms before you can test. {#section_c2t_zct_rbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_test_hbk_candidateAgreement.html",
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    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_test_hbk_candidateAgreement.md:chunk-2",
      "title": "Candidate Agreement {#xd_51ac355905d368b2--ed27faf-18ffd1bdbba--7ffd .concept}",
      "content": "y written, printed, or recorded materials from the test other than the score report, if provided. The test materials remain the property of NMLS and/or developing organization\\(s\\), and I shall maintain the confidentiality of the materials, including the questions and my answers to them.\n2.  I will not share the content of the test with anyone including but not limited to colleagues, course instructors, or anyone other than persons authorized by NMLS. I agree that I must not make test content or test information available to anyone. I must not allow any other person to record or memorialize any test content or information.\n\n**BEHAVIOR / CONDUCT**\n\n1.  I must not engage in any conduct that is disruptive or threatening to a test center staff member or another candidate. I must not engage in any conduct that creates a disturbance or interferes with the administration of the test or with the administration of other candidates’ tests.\n2.  I must not engage in any conduct that would be contrary to good character or reputation, or engage in any behavior that would cause the public to believe that I would not operate in the mortgage loan business lawfully, honestly or fairly.\n3.  I must not engage in any conduct that is dishonest or fraudulent, or would adversely impact the integrity of the test or the test procedure.\n\n**POSSIBLE CONSEQUENCES OF ROC VIOLATIONS**\n\nI understand that test center representatives or others will report any alleged violations to the NMLS and that NMLS may report alleged violations to the state\\(s\\) in which I am seeking licensure, or any other states.\n\nI further understand that the results of any investigation into my alleged violations may be reported to the state\\(s\\) in which I am seeking licensure, or any other states. At its discretion, NMLS may publicize the determination and the sanction of any investigation on the NMLS Resource Center or through other reasonable means of communication.\n\nReports of alleged violations or results of investiga",
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      "headings": [
        "Candidate Agreement {#xd_51ac355905d368b2--ed27faf-18ffd1bdbba--7ffd .concept}",
        "1. The SAFE MLO Test is a confidential, copyrighted test, and you cannot share or discuss it. {#section_n5r_r1t_rbc .section}",
        "2. Soliciting or studying from confidential SAFE MLO Test content prior to taking the test is prohibited. {#section_w43_s1t_rbc .section}",
        "3. You must also comply with the Test Taker’s Rules of Conduct \\(ROC\\) at the test site. {#section_cpp_t1t_rbc .section}",
        "4. The penalties for breaching this Agreement are serious. {#section_ahp_jbt_rbc .section}",
        "5. SRR has the right to cancel your test score. {#section_npn_lbt_rbc .section}",
        "6. You must cooperate in any future investigation related to test security. {#section_ohd_xbt_rbc .section}",
        "7. Privacy, Audio and Video Recording, and Biometric Data {#section_vkf_rct_rbc .section}",
        "8. You must report improper test-related conduct if you become aware of it. {#section_g3w_wct_rbc .section}",
        "9. You must agree to comply with these terms before you can test. {#section_c2t_zct_rbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_test_hbk_candidateAgreement.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_test_hbk_candidateAgreement.md:chunk-3",
      "title": "Candidate Agreement {#xd_51ac355905d368b2--ed27faf-18ffd1bdbba--7ffd .concept}",
      "content": "publicize the determination and the sanction of any investigation on the NMLS Resource Center or through other reasonable means of communication.\n\nReports of alleged violations or results of investigations into alleged violations may subject me to disciplinary action by the state\\(s\\), including denial or revocation of my license\\(s\\).\n\n## 4. The penalties for breaching this Agreement are serious. \n\nAny violation of this Test Security and Confidentiality Agreement could subject you to significant consequences. Potential consequences include, but are not limited to, the following:\n\n-   Dismissal from the test site or denial of access to the test site;\n-   Opening of an investigation into the alleged violation;\n-   Reporting of the alleged violation, and/or the factual findings of any investigation of the violation, to the State\\(s\\) in which you are seeking licensure, your employer or potential employer, or other legitimately interested parties;\n-   Notation of the violation in the Nationwide Mortgage Licensing System;\n-   Invalidation or cancellation of your test score, before or after the score is reported, without a refund;\n-   A civil lawsuit;\n-   Criminal charges;\n-   Suspension of access to the test or a permanent ban from testing; or\n-   Other disciplinary action by SRR and/or the jurisdiction to which you are applying for licensure.\n\nIf you are alleged to have violated this Test Security and Confidentiality Agreement, the matter will be investigated in accordance with the Administrative Action Procedures for SAFE Testing Requirements \\(the “Administrative Action Procedures”\\). These Administrative Action Procedures may be amended or revised from time to time, and any investigation of your conduct will be governed by the Administrative Action Procedures in place at the time \\[that you sat for the SAFE MLO Test\\].\n\nSRR does not issue or revoke state licenses, but reports of alleged violations or results of investigations into alleged violations may subject you ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_test_hbk_candidateAgreement.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_test_hbk_candidateAgreement.md",
      "headings": [
        "Candidate Agreement {#xd_51ac355905d368b2--ed27faf-18ffd1bdbba--7ffd .concept}",
        "1. The SAFE MLO Test is a confidential, copyrighted test, and you cannot share or discuss it. {#section_n5r_r1t_rbc .section}",
        "2. Soliciting or studying from confidential SAFE MLO Test content prior to taking the test is prohibited. {#section_w43_s1t_rbc .section}",
        "3. You must also comply with the Test Taker’s Rules of Conduct \\(ROC\\) at the test site. {#section_cpp_t1t_rbc .section}",
        "4. The penalties for breaching this Agreement are serious. {#section_ahp_jbt_rbc .section}",
        "5. SRR has the right to cancel your test score. {#section_npn_lbt_rbc .section}",
        "6. You must cooperate in any future investigation related to test security. {#section_ohd_xbt_rbc .section}",
        "7. Privacy, Audio and Video Recording, and Biometric Data {#section_vkf_rct_rbc .section}",
        "8. You must report improper test-related conduct if you become aware of it. {#section_g3w_wct_rbc .section}",
        "9. You must agree to comply with these terms before you can test. {#section_c2t_zct_rbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_test_hbk_candidateAgreement.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_test_hbk_candidateAgreement.md:chunk-4",
      "title": "Candidate Agreement {#xd_51ac355905d368b2--ed27faf-18ffd1bdbba--7ffd .concept}",
      "content": "t the time \\[that you sat for the SAFE MLO Test\\].\n\nSRR does not issue or revoke state licenses, but reports of alleged violations or results of investigations into alleged violations may subject you to disciplinary action by the state\\(s\\) in which you are licensed or intend to seek licensure, including denial or revocation of your license\\(s\\).\n\n## 5. SRR has the right to cancel your test score. \n\nSRR reserves the right to invalidate or cancel any test score without refund if, in its sole discretion, it determines there is a good faith basis to question the validity of that score for any reason. As explained above, invalidation or cancellation of your test score is one possible consequence of a violation of this Test Security and Confidentiality Agreement. Additionally, the validity of a score may be questioned as a result of forensic data or other analyses showing testing anomalies. Testing anomalies may include, for example: unusual answer patterns, unusual timing of responses to questions, unusual score increases from one test sitting to another, or inconsistent performance on different parts of the test.\n\nYou may or may not receive advance notice of a score cancellation or invalidation decision. You understand and acknowledge that SRR is the final authority that determines whether you have the privilege of sitting for the SAFE MLO Test and whether the score you receive is released or transferred to any licensing jurisdiction.\n\n## 6. You must cooperate in any future investigation related to test security. \n\nYou may be called upon in the future to answer questions, provide information or documents, or otherwise participate in an investigation of a test security matter related to the SAFE MLO Test. Failure to fully cooperate with an investigation may be considered a breach of your obligations under this Agreement and may constitute ground for score invalidation, denial of access to the test, or other sanctions.\n\n## 7. Privacy, Audio and Video Recording, and Biome",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_test_hbk_candidateAgreement.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_test_hbk_candidateAgreement.md",
      "headings": [
        "Candidate Agreement {#xd_51ac355905d368b2--ed27faf-18ffd1bdbba--7ffd .concept}",
        "1. The SAFE MLO Test is a confidential, copyrighted test, and you cannot share or discuss it. {#section_n5r_r1t_rbc .section}",
        "2. Soliciting or studying from confidential SAFE MLO Test content prior to taking the test is prohibited. {#section_w43_s1t_rbc .section}",
        "3. You must also comply with the Test Taker’s Rules of Conduct \\(ROC\\) at the test site. {#section_cpp_t1t_rbc .section}",
        "4. The penalties for breaching this Agreement are serious. {#section_ahp_jbt_rbc .section}",
        "5. SRR has the right to cancel your test score. {#section_npn_lbt_rbc .section}",
        "6. You must cooperate in any future investigation related to test security. {#section_ohd_xbt_rbc .section}",
        "7. Privacy, Audio and Video Recording, and Biometric Data {#section_vkf_rct_rbc .section}",
        "8. You must report improper test-related conduct if you become aware of it. {#section_g3w_wct_rbc .section}",
        "9. You must agree to comply with these terms before you can test. {#section_c2t_zct_rbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_test_hbk_candidateAgreement.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_test_hbk_candidateAgreement.md:chunk-5",
      "title": "Candidate Agreement {#xd_51ac355905d368b2--ed27faf-18ffd1bdbba--7ffd .concept}",
      "content": "breach of your obligations under this Agreement and may constitute ground for score invalidation, denial of access to the test, or other sanctions.\n\n## 7. Privacy, Audio and Video Recording, and Biometric Data \n\nSRR requires you to submit certain personal information to take the SAFE MLO Test. That information consists of:\n\n1.  Name and personal contact details \\(address, telephone number, country-specific identification number, email address\\);\n2.  Login and password information;\n3.  Date of birth;\n4.  Gender;\n5.  Assessment details related to the SAFE MLO test such as your candidate ID number, the examinations you have taken, testing locations, test results, and any disciplinary actions;\n6.  Photographs;\n7.  Signature;\n8.  Video and audio recordings; and\n9.  Information in documents that you may submit to confirm your identity.\n\nSRR may collect certain information that is considered sensitive in some jurisdictions such as race, ethnicity, biometric data, and health information.\n\nSRR may collect some of this personal information directly from you, and it may receive some of it from its service provider, which is bound by contract to use the personal information it collects for the purpose of administering the SAFE MLO Test. SRR will not disclose or sell the personal information it collects in connection with the SAFE MLO Test to any third party unless SRR obtains your consent or the disclosure is required by law.\n\nSRR will use your personal information solely to administer the SAFE MLO Test and keep a record of your results, which is necessary to provide you with access to NMLS if you pass.\n\nAudio and Video Recording:\n:   If you take a remotely proctored version of the SAFE MLO Test, SRR will record audio, video, and screen captures from your computer, which may include video and audio of the place in your home, office, or other location in which you take the SAFE MLO Test. Applicable law may require all parties to give consent to the recording of a private convers",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_test_hbk_candidateAgreement.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_test_hbk_candidateAgreement.md",
      "headings": [
        "Candidate Agreement {#xd_51ac355905d368b2--ed27faf-18ffd1bdbba--7ffd .concept}",
        "1. The SAFE MLO Test is a confidential, copyrighted test, and you cannot share or discuss it. {#section_n5r_r1t_rbc .section}",
        "2. Soliciting or studying from confidential SAFE MLO Test content prior to taking the test is prohibited. {#section_w43_s1t_rbc .section}",
        "3. You must also comply with the Test Taker’s Rules of Conduct \\(ROC\\) at the test site. {#section_cpp_t1t_rbc .section}",
        "4. The penalties for breaching this Agreement are serious. {#section_ahp_jbt_rbc .section}",
        "5. SRR has the right to cancel your test score. {#section_npn_lbt_rbc .section}",
        "6. You must cooperate in any future investigation related to test security. {#section_ohd_xbt_rbc .section}",
        "7. Privacy, Audio and Video Recording, and Biometric Data {#section_vkf_rct_rbc .section}",
        "8. You must report improper test-related conduct if you become aware of it. {#section_g3w_wct_rbc .section}",
        "9. You must agree to comply with these terms before you can test. {#section_c2t_zct_rbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_test_hbk_candidateAgreement.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_test_hbk_candidateAgreement.md:chunk-6",
      "title": "Candidate Agreement {#xd_51ac355905d368b2--ed27faf-18ffd1bdbba--7ffd .concept}",
      "content": "e video and audio of the place in your home, office, or other location in which you take the SAFE MLO Test. Applicable law may require all parties to give consent to the recording of a private conversation before any recording can occur.\n\n    By clicking “I Accept,” you acknowledge that you have received, read, and understand this notice, and consent to SRR and its service provider recording video, audio, and screen captures of your activities during the examination, which may include images and audio of your home.\n\nBiometric Data:\n:   Certain laws regulate the collection, storage, use, and retention of biometric data, which may consist of “biometric identifiers” or “biometric information,” including retina or iris scan, fingerprint, voiceprint, or scan of hand or face geometry, and information derived from that data that is used to identify an individual. SRR, through its service provider, collects biometric data when you take a remotely proctored SAFE MLO Test to ensure the security, confidentiality, and integrity of the SAFE MLO Test and your test results, and for no other purpose. SRR will not disclose, sell, lease, or trade your biometric data without your consent, unless required by federal or state law, warrant, court order, or subpoena.\n\n    SRR has adopted a written policy establishing a retention schedule for the biometric data it collects. If you do not pass the SAFE MLO Test, SRR will retain biometric data for up to 5 years after your last test date. If you pass the SAFE MLO Test, SRR will retain biometric data for the duration that you maintain a license to use NMLS and for up to 5 years after your license expires. At the end of the retention period, SRR will destroy the biometric data.\n\n## 8. You must report improper test-related conduct if you become aware of it. \n\nIf you become aware of any improper conduct related to the SAFE MLO Test by any person, you have an obligation to report it to SRR. This includes, for example, but is not limited to, the sh",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_test_hbk_candidateAgreement.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_test_hbk_candidateAgreement.md",
      "headings": [
        "Candidate Agreement {#xd_51ac355905d368b2--ed27faf-18ffd1bdbba--7ffd .concept}",
        "1. The SAFE MLO Test is a confidential, copyrighted test, and you cannot share or discuss it. {#section_n5r_r1t_rbc .section}",
        "2. Soliciting or studying from confidential SAFE MLO Test content prior to taking the test is prohibited. {#section_w43_s1t_rbc .section}",
        "3. You must also comply with the Test Taker’s Rules of Conduct \\(ROC\\) at the test site. {#section_cpp_t1t_rbc .section}",
        "4. The penalties for breaching this Agreement are serious. {#section_ahp_jbt_rbc .section}",
        "5. SRR has the right to cancel your test score. {#section_npn_lbt_rbc .section}",
        "6. You must cooperate in any future investigation related to test security. {#section_ohd_xbt_rbc .section}",
        "7. Privacy, Audio and Video Recording, and Biometric Data {#section_vkf_rct_rbc .section}",
        "8. You must report improper test-related conduct if you become aware of it. {#section_g3w_wct_rbc .section}",
        "9. You must agree to comply with these terms before you can test. {#section_c2t_zct_rbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_test_hbk_candidateAgreement.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_test_hbk_candidateAgreement.md:chunk-7",
      "title": "Candidate Agreement {#xd_51ac355905d368b2--ed27faf-18ffd1bdbba--7ffd .concept}",
      "content": "e of it. \n\nIf you become aware of any improper conduct related to the SAFE MLO Test by any person, you have an obligation to report it to SRR. This includes, for example, but is not limited to, the sharing of information regarding test questions or answers after the test, improper conduct at the test site, test taking by proxy, or any other conduct in violation of this Agreement or any other rules or policies related to the SAFE MLO Test. You may report such conduct anonymously, but you are encouraged to keep records or a physical copy of the communication in which your report is made. Failure to report your knowledge of improper conduct may be considered a breach of your obligations under this Agreement, and may constitute grounds for score invalidation, denial of access to the test, or other sanctions.\n\nYou can report your knowledge of improper test conduct to NMLStest@csbs.org.\n\n## 9. You must agree to comply with these terms before you can test. \n\nBefore SRR can allow you to register for and access the SAFE MLO Test, you must acknowledge and agree to the terms and conditions explained to you in this Candidate Test Security and Confidentiality Agreement.\n\nBy clicking **I Accept**, you verify that you have read and understand, and that you agree to, the terms of this Candidate Test Security and Confidentiality Agreement. You are also agreeing that you understand the consequence of failing to honor the terms of this agreement. If you do not agree to these terms by choosing **I Do Not Accept** you will not be allowed to take the SAFE MLO Test.\n\nIn addition to agreeing to the terms of this Candidate Test Security and Confidentiality Agreement today, on test day you will be given the Test Takers Rules of Conduct \\(ROC\\) and will be asked to accept the ROC before you can begin taking the test.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_test_hbk_candidateAgreement.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_test_hbk_candidateAgreement.md",
      "headings": [
        "Candidate Agreement {#xd_51ac355905d368b2--ed27faf-18ffd1bdbba--7ffd .concept}",
        "1. The SAFE MLO Test is a confidential, copyrighted test, and you cannot share or discuss it. {#section_n5r_r1t_rbc .section}",
        "2. Soliciting or studying from confidential SAFE MLO Test content prior to taking the test is prohibited. {#section_w43_s1t_rbc .section}",
        "3. You must also comply with the Test Taker’s Rules of Conduct \\(ROC\\) at the test site. {#section_cpp_t1t_rbc .section}",
        "4. The penalties for breaching this Agreement are serious. {#section_ahp_jbt_rbc .section}",
        "5. SRR has the right to cancel your test score. {#section_npn_lbt_rbc .section}",
        "6. You must cooperate in any future investigation related to test security. {#section_ohd_xbt_rbc .section}",
        "7. Privacy, Audio and Video Recording, and Biometric Data {#section_vkf_rct_rbc .section}",
        "8. You must report improper test-related conduct if you become aware of it. {#section_g3w_wct_rbc .section}",
        "9. You must agree to comply with these terms before you can test. {#section_c2t_zct_rbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_test_hbk_candidateAgreement.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_test_hbk_candidateAgreement.md:chunk-8",
      "title": "Candidate Agreement {#xd_51ac355905d368b2--ed27faf-18ffd1bdbba--7ffd .concept}",
      "content": "egin taking the test.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_test_hbk_candidateAgreement.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_test_hbk_candidateAgreement.md",
      "headings": [
        "Candidate Agreement {#xd_51ac355905d368b2--ed27faf-18ffd1bdbba--7ffd .concept}",
        "1. The SAFE MLO Test is a confidential, copyrighted test, and you cannot share or discuss it. {#section_n5r_r1t_rbc .section}",
        "2. Soliciting or studying from confidential SAFE MLO Test content prior to taking the test is prohibited. {#section_w43_s1t_rbc .section}",
        "3. You must also comply with the Test Taker’s Rules of Conduct \\(ROC\\) at the test site. {#section_cpp_t1t_rbc .section}",
        "4. The penalties for breaching this Agreement are serious. {#section_ahp_jbt_rbc .section}",
        "5. SRR has the right to cancel your test score. {#section_npn_lbt_rbc .section}",
        "6. You must cooperate in any future investigation related to test security. {#section_ohd_xbt_rbc .section}",
        "7. Privacy, Audio and Video Recording, and Biometric Data {#section_vkf_rct_rbc .section}",
        "8. You must report improper test-related conduct if you become aware of it. {#section_g3w_wct_rbc .section}",
        "9. You must agree to comply with these terms before you can test. {#section_c2t_zct_rbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_test_hbk_candidateAgreement.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_test_hbk_testEnroll_company-1.md:chunk-0",
      "title": "Company Test Enrollments for Individual {#xd_51ac355905d368b2--ed27faf-18ffd1bdbba--7ffa .task}",
      "content": "# Company Test Enrollments for Individual \n\nPrior to scheduling an appointment to take a S.A.F.E. National Test at a test center, a test enrollment must be requested and paid for in NMLS. All Account Administrators and any company user with the “Manage Test Enrollment” role can request test enrollments for Individuals under the Testing sub-section of the MLO Testing & Education tab if the company has access to the Individual’s record.\n\nCompany Account Administrators will have automatic access to the MLO Testing & Education tab and the “Manage Test Enrollment” role. Company users must be granted the “Manage Test Enrollment” role to access to the MLO Testing & Education tab.\n\nMany state agencies require a passing score on the SAFE MLO National Test prior to submitting an MU4 application for licensure through NMLS. The steps below will help you with this process.\n\n1.  **Paying for an Individual’s Test Enrollment**\n2.  Navigate to the NMLS Login page.\n\n    -   State context.\n    -   Federal context.\n3.  Log in to your NMLS account.\n\n4.  Select the MLO Testing & Education tab.\n\n5.  Select **Testing** in the sub-menu.\n\n6.  On the left navigation panel, choose **SAFE MLO Test**, or **Group Enrollment by Test**.\n\n    **Note:** Click **Pay for Tests** on the left navigation panel to pay for test enrollments that are already in your Test Cart.\n\n7.  **National Test**\n8.  Enter the name or NMLS ID number of the individual for whom you would like to request one or more test enrollments. Click **Search**.\n\n9.  In the search results, select the individual by clicking the **NMLS ID number** next to the individual's name.\n\n10. Select the **SAFE Mortgage Loan Originator National Test** and click **Add to Cart**.\n\n11. Continue through the payment screens. Click **Proceed to Invoice** to view and pay the invoice.\n\n    **Note:** If applicable, click the **Delete** icon to delete any test enrollments for which you do not want to request and pay for.\n\n12. Click **Pay Invoice** to continue",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_test_hbk_testEnroll_company-1.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_test_hbk_testEnroll_company-1.md",
      "headings": [
        "Company Test Enrollments for Individual {#xd_51ac355905d368b2--ed27faf-18ffd1bdbba--7ffa .task}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_test_hbk_testEnroll_company-1.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_test_hbk_testEnroll_company-1.md:chunk-1",
      "title": "Company Test Enrollments for Individual {#xd_51ac355905d368b2--ed27faf-18ffd1bdbba--7ffa .task}",
      "content": "iew and pay the invoice.\n\n    **Note:** If applicable, click the **Delete** icon to delete any test enrollments for which you do not want to request and pay for.\n\n12. Click **Pay Invoice** to continue to the payment screens and remit payment.\n\n    Instructions regarding how to schedule the test are provided in the notification e-mail sent to confirm the appropriate test enrollment window has been opened. Once a test enrollment is created and paid for, the candidate will have 180 days to schedule the testing appointment and take the test. Failure to take the test within 180-days will result in the test enrollment window closing, and a new test enrollment window must be requested and paid for prior to the candidate scheduling and taking the test. Access the MLO Testing Handbook to review all information regarding testing requirements and processes.\n\n13. Log in to your NMLS account.\n\n14. Select the Composite View tab to view information regarding open test enrollment windows under the View Testing Information section.\n\n**Parent topic:**2.0 Test Enrollment Procedures \\(NMLS\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_test_hbk_testEnroll_company-1.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_test_hbk_testEnroll_company-1.md",
      "headings": [
        "Company Test Enrollments for Individual {#xd_51ac355905d368b2--ed27faf-18ffd1bdbba--7ffa .task}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_test_hbk_testEnroll_company-1.html",
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    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_test_hbk_testEnroll_company.md:chunk-0",
      "title": "Company Test Enrollments for Individual {#xd_51ac355905d368b2--ed27faf-18ffd1bdbba--7ffa .task}",
      "content": "# Company Test Enrollments for Individual \n\nPrior to scheduling an appointment to take a S.A.F.E. National Test at a test center, a test enrollment must be requested and paid for in NMLS. All Account Administrators and any company user with the “Manage Test Enrollment” role can request test enrollments for Individuals under the Testing sub-section of the MLO Testing & Education tab if the company has access to the Individual’s record.\n\nCompany Account Administrators will have automatic access to the MLO Testing & Education tab and the “Manage Test Enrollment” role. Company users must be granted the “Manage Test Enrollment” role to access to the MLO Testing & Education tab.\n\nMany state agencies require a passing score on the SAFE MLO National Test prior to submitting an MU4 application for licensure through NMLS. The steps below will help you with this process.\n\n1.  **Paying for an Individual’s Test Enrollment**\n2.  Navigate to the NMLS Login page.\n\n    -   State context.\n    -   Federal context.\n3.  Log in to your NMLS account.\n\n4.  Select the MLO Testing & Education tab.\n\n5.  Select **Testing** in the sub-menu.\n\n6.  On the left navigation panel, choose **SAFE MLO Test**, or **Group Enrollment by Test**.\n\n    **Note:** Click **Pay for Tests** on the left navigation panel to pay for test enrollments that are already in your Test Cart.\n\n7.  **National Test**\n8.  Enter the name or NMLS ID number of the individual for whom you would like to request one or more test enrollments. Click **Search**.\n\n9.  In the search results, select the individual by clicking the **NMLS ID number** next to the individual's name.\n\n10. Select the **SAFE Mortgage Loan Originator National Test** and click **Add to Cart**.\n\n11. Continue through the payment screens. Click **Proceed to Invoice** to view and pay the invoice.\n\n    **Note:** If applicable, click the **Delete** icon to delete any test enrollments for which you do not want to request and pay for.\n\n12. Click **Pay Invoice** to continue",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_test_hbk_testEnroll_company.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_test_hbk_testEnroll_company.md",
      "headings": [
        "Company Test Enrollments for Individual {#xd_51ac355905d368b2--ed27faf-18ffd1bdbba--7ffa .task}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_test_hbk_testEnroll_company.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_test_hbk_testEnroll_company.md:chunk-1",
      "title": "Company Test Enrollments for Individual {#xd_51ac355905d368b2--ed27faf-18ffd1bdbba--7ffa .task}",
      "content": "iew and pay the invoice.\n\n    **Note:** If applicable, click the **Delete** icon to delete any test enrollments for which you do not want to request and pay for.\n\n12. Click **Pay Invoice** to continue to the payment screens and remit payment.\n\n    Instructions regarding how to schedule the test are provided in the notification e-mail sent to confirm the appropriate test enrollment window has been opened. Once a test enrollment is created and paid for, the candidate will have 180 days to schedule the testing appointment and take the test. Failure to take the test within 180-days will result in the test enrollment window closing, and a new test enrollment window must be requested and paid for prior to the candidate scheduling and taking the test. Access the MLO Testing Handbook to review all information regarding testing requirements and processes.\n\n13. Log in to your NMLS account.\n\n14. Select the Composite View tab to view information regarding open test enrollment windows under the View Testing Information section.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_test_hbk_testEnroll_company.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_test_hbk_testEnroll_company.md",
      "headings": [
        "Company Test Enrollments for Individual {#xd_51ac355905d368b2--ed27faf-18ffd1bdbba--7ffa .task}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_test_hbk_testEnroll_company.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_test_hbk_testEnroll_ind-1.md:chunk-0",
      "title": "Individual Test Enrollments {#xd_51ac355905d368b2--ed27faf-18ffd1bdbba--7ffb .task}",
      "content": "# Individual Test Enrollments \n\nOnce a SAFE test is paid for, the individual will have 180 days to schedule the testing appointment and take the test.\n\n**PRIOR TO PAYING FOR A SAFE TEST YOU WILL NEED THE FOLLOWING:**\n\n-   An NMLS account\n-   Your individual NMLS ID Number\n\n**Note:** See Request an Individual NMLS Account if you do not yet have an NMLS account and NMLS ID Number.\n\nOnce a SAFE test is paid for, the individual will have 180 days to schedule the testing appointment and take the test. Failure to take the test within 180 days will result in the test enrollment window closing, and a new test enrollment window must be paid for again.\n\n1.  **Viewing your NMLS ID Number**\n2.  Navigate to the NMLS Login page \\(State Context\\).\n\n3.  Log in to your NMLS account.\n\n4.  Your NMLS ID number is displayed next to your name in the upper-left corner of the screen in NMLS Connect.\n\n5.  **Paying for the National Test**\n6.  Log in to your NMLS account.\n\n7.  Click the **Testing Home** tile in the Quick Links section.\n\n8.  Click the **Pay for Test** button.\n\n9.  Click **National Test with UST**.\n\n    **Note:** Click the **Pay for Tests in Cart** link on the left navigation panel to pay for SAFE tests that may already exist in your Test Cart.\n\n10. Click the **Add to Cart** button.\n\n    **Note:** If applicable, click the **Remove** button to delete SAFE tests from your Test Cart.\n\n11. Click the **Proceed to Candidate Agreement** button.\n\n12. Review the Candidate Agreement and click the **I Accept** button.\n\n13. Click the **Pay Invoice** button to continue to the payment screens and remit payment.\n\n14. **Scheduling a Test Center Appointment**\n15. Log in to your NMLS account.\n\n16. Click the **Testing Home** tile in the Quick Links section.\n\n17. Select the **Manage Test Appointment** link on the submenu.\n\n18. Click the **Schedule – Test Center** button.\n\n    You will be redirected to the Prometric website to schedule at a test center.\n\n19. **Scheduling an Online Proctored Test Ap",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_test_hbk_testEnroll_ind-1.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_test_hbk_testEnroll_ind-1.md",
      "headings": [
        "Individual Test Enrollments {#xd_51ac355905d368b2--ed27faf-18ffd1bdbba--7ffb .task}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_test_hbk_testEnroll_ind-1.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_test_hbk_testEnroll_ind-1.md:chunk-1",
      "title": "Individual Test Enrollments {#xd_51ac355905d368b2--ed27faf-18ffd1bdbba--7ffb .task}",
      "content": " link on the submenu.\n\n18. Click the **Schedule – Test Center** button.\n\n    You will be redirected to the Prometric website to schedule at a test center.\n\n19. **Scheduling an Online Proctored Test Appointment**\n20. Log in to your NMLS account.\n\n21. Click the **Testing Home** tile in the Quick Links section.\n\n22. Select the MLO Testing & Education tab.\n\n23. Select the **Manage Test Appointment** link on the submenu.\n\n24. Select the **Request – Online Proctored Test** button.\n\n25. Select the reason for requesting an online proctored test.\n\n26. Complete all attestations.\n\n27. Select **Submit**.\n\n    Confirmation message appears.\n\n    For more information on the online test option, see the information on the Online Proctored Testing page of the NMLS Resource Center.\n\n**Parent topic:**2.0 Test Enrollment Procedures \\(NMLS\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_test_hbk_testEnroll_ind-1.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_test_hbk_testEnroll_ind-1.md",
      "headings": [
        "Individual Test Enrollments {#xd_51ac355905d368b2--ed27faf-18ffd1bdbba--7ffb .task}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_test_hbk_testEnroll_ind-1.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_test_hbk_testEnroll_ind.md:chunk-0",
      "title": "Individual Test Enrollments {#xd_51ac355905d368b2--ed27faf-18ffd1bdbba--7ffb .task}",
      "content": "# Individual Test Enrollments \n\nOnce a SAFE test is paid for, the individual will have 180 days to schedule the testing appointment and take the test.\n\n**PRIOR TO PAYING FOR A SAFE TEST YOU WILL NEED THE FOLLOWING:**\n\n-   An NMLS account\n-   Your individual NMLS ID Number\n\n**Note:** See Request an Individual NMLS Account if you do not yet have an NMLS account and NMLS ID Number.\n\nOnce a SAFE test is paid for, the individual will have 180 days to schedule the testing appointment and take the test. Failure to take the test within 180 days will result in the test enrollment window closing, and a new test enrollment window must be paid for again.\n\n1.  **Viewing your NMLS ID Number**\n2.  Navigate to the NMLS Login page \\(State Context\\).\n\n3.  Log in to your NMLS account.\n\n4.  Your NMLS ID number is displayed next to your name in the upper-left corner of the screen in NMLS Connect.\n\n5.  **Paying for the National Test**\n6.  Log in to your NMLS account.\n\n7.  Click the **Testing Home** tile in the Quick Links section.\n\n8.  Click the **Pay for Test** button.\n\n9.  Click **National Test with UST**.\n\n    **Note:** Click the **Pay for Tests in Cart** link on the left navigation panel to pay for SAFE tests that may already exist in your Test Cart.\n\n10. Click the **Add to Cart** button.\n\n    **Note:** If applicable, click the **Remove** button to delete SAFE tests from your Test Cart.\n\n11. Click the **Proceed to Candidate Agreement** button.\n\n12. Review the Candidate Agreement and click the **I Accept** button.\n\n13. Click the **Pay Invoice** button to continue to the payment screens and remit payment.\n\n14. **Scheduling a Test Center Appointment**\n15. Log in to your NMLS account.\n\n16. Click the **Testing Home** tile in the Quick Links section.\n\n17. Select the **Manage Test Appointment** link on the submenu.\n\n18. Click the **Schedule – Test Center** button.\n\n    You will be redirected to the Prometric website to schedule at a test center.\n\n19. **Scheduling an Online Proctored Test Ap",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_test_hbk_testEnroll_ind.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_test_hbk_testEnroll_ind.md",
      "headings": [
        "Individual Test Enrollments {#xd_51ac355905d368b2--ed27faf-18ffd1bdbba--7ffb .task}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_test_hbk_testEnroll_ind.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_test_hbk_testEnroll_ind.md:chunk-1",
      "title": "Individual Test Enrollments {#xd_51ac355905d368b2--ed27faf-18ffd1bdbba--7ffb .task}",
      "content": " link on the submenu.\n\n18. Click the **Schedule – Test Center** button.\n\n    You will be redirected to the Prometric website to schedule at a test center.\n\n19. **Scheduling an Online Proctored Test Appointment**\n20. Log in to your NMLS account.\n\n21. Click the **Testing Home** tile in the Quick Links section.\n\n22. Select the MLO Testing & Education tab.\n\n23. Select the **Manage Test Appointment** link on the submenu.\n\n24. Select the **Request – Online Proctored Test** button.\n\n25. Select the reason for requesting an online proctored test.\n\n26. Complete all attestations.\n\n27. Select **Submit**.\n\n    Confirmation message appears.\n\n    For more information on the online test option, see the information on the Online Proctored Testing page of the NMLS Resource Center.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_test_hbk_testEnroll_ind.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_test_hbk_testEnroll_ind.md",
      "headings": [
        "Individual Test Enrollments {#xd_51ac355905d368b2--ed27faf-18ffd1bdbba--7ffb .task}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_test_hbk_testEnroll_ind.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_handbook.md:chunk-0",
      "title": "MLO Testing Handbook {#mlo_testing_handbook .concept}",
      "content": "# MLO Testing Handbook \n\nThe MLO Testing Handbook is a comprehensive guide for the SAFE MLO Test. Use this handbook to find test specifications, enrollment procedures, scheduling, rescheduling and cancelling appointments, testing accommodations, preparing for the test, test day procedures, retaking and waiting period for failed attempts, and test expiration​.​ Select a topic below to find out more.\n\n-   **1.0 Overview and Test Specifications**  \nThis chapter includes basic information about the SAFE MLO Test, including background, length, and cost.\n-   **2.0 Test Enrollment Procedures \\(NMLS\\)**  \nThis chapter details how individuals can register and pay for the SAFE MLO Test.\n-   **3.0 Schedule a Test Appointment**  \nThis chapter details how companies and individuals can schedule the SAFE MLO Test at a Test Center and via Online Proctored Testing.\n-   **4.0 Appointment Cancellation and Rescheduling**  \n This chapter includes information about making changes to SAFE MLO Test appointments, including weather cancellations and complimentary test enrollments.\n-   **5.0 Testing Accommodations**  \nThis chapter outlines how SAFE MLO Test candidates can request testing accommodations.\n-   **6.0 Preparing for the Test**  \nThis chapter covers what topics will be on the SAFE MLO Test and how legislative updates impact test material.\n-   **7.0 Test Day**  \nThis chapter details what to expect during the SAFE MLO Test Administration, including check-in procedures, security and codes of conduct, and test navigation.\n-   **8.0 Test Center Policies**  \nThis chapter details Prometric test center policies.\n-   **9.0 Test and Survey Results**  \nThis chapter outlines what happens after the SAFE MLO Test is completed, including score calculations, official test results, test score reports, and how to submit a test content challenge.\n-   **10.0 Retaking a Failed Test/ Waiting Period**  \nThis chapter details the required waiting periods between failed test attempts.\n-   **11.0 Test Expirat",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_handbook.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_handbook.md",
      "headings": [
        "MLO Testing Handbook {#mlo_testing_handbook .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_handbook.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_handbook.md:chunk-1",
      "title": "MLO Testing Handbook {#mlo_testing_handbook .concept}",
      "content": "nd how to submit a test content challenge.\n-   **10.0 Retaking a Failed Test/ Waiting Period**  \nThis chapter details the required waiting periods between failed test attempts.\n-   **11.0 Test Expiration**  \nThis chapter covers when test results expire.\n-   **Appendix A: Glossary of URLs**  \n\n-   **Appendix B: Sample Test Questions**  \nThis section of the Appendix contains ten \\(10\\) sample questions to help prepare for the MLO tests. These questions are similar to those that may be included on the National Test. The answers to the questions are located in the table at the end of this section.\n-   **Appendix C: Sample Score Report**  \n\n-   **Test Performance Information**  \n\n-   **Candidate Agreement**  \nNATIONWIDE MORTGAGE LICENSING SYSTEM \\(NMLS\\) SAFE MORTGAGE LOAN ORIGINATOR TEST CANDIDATE TEST SECURITY AND CONFIDENTIALITY AGREEMENT\n-   **SAFE MLO National Test with Uniform State Test Content Outline**  \nCandidates are responsible for keeping abreast of changes made to the applicable statutes, regulations and rules regardless of whether they appear on this outline or the test.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_handbook.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_handbook.md",
      "headings": [
        "MLO Testing Handbook {#mlo_testing_handbook .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_handbook.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_changeappt.md:chunk-0",
      "title": "4.0 Appointment Cancellation and Rescheduling {#mlo_testing_hbk_changeappt .concept}",
      "content": "# 4.0 Appointment Cancellation and Rescheduling \n\nThis chapter includes information about making changes to SAFE MLO Test appointments, including weather cancellations and complimentary test enrollments.\n\n## 4.1 Appointment Changes \n\nNMLS policy requires candidates to cancel or reschedule their tests appointments by 11:59 PM Eastern Time, two calendar days prior to the scheduled appointment.\n\nTo change scheduled appointments, visit the Manage Test Appointments page, Prometric Site Candidates testing at a center location may also contact Prometric directly at 1-877-671-6657.\n\nCandidates must adhere to the following schedule for rescheduling/cancelling a test appointment.\n\nTest enrollment fees are non-refundable and non-transferable. Failure to follow the cancellation/reschedule policy or failure to show up for a scheduled test will result in the test enrollment window being closed and loss of test enrollment fee. A candidate must request and pay for a new enrollment window prior to scheduling a new test appointment.\n\n## 4.2 Weather Delays and Related Cancellations \n\nIn the event that a test center is unable to open, a member of the test center staff will contact candidates to notify them of the need to reschedule their appointments without penalty.\n\nIf the test center opens late or closes early and the candidate has waited at least thirty minutes, the candidate can choose to either:\n\n1.  Stay and take the test with their full allotment of time, OR\n2.  Reschedule the appointment without penalty.\n\n|Appointment scheduled for:|Must be cancelled or rescheduled no later than 11:59 p.m. Eastern Time on:|\n|--------------------------|--------------------------------------------------------------------------|\n|Sunday|Thursday of the previous week|\n|Monday|Friday of the previous week|\n|Tuesday|Saturday of the previous week|\n|Wednesday|Sunday of the same week|\n|Thursday|Monday of the same week|\n|Friday|Tuesday of the same week|\n|Saturday|Wednesday of the same week|\n\n## 4.3 Reque",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_changeappt.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_changeappt.md",
      "headings": [
        "4.0 Appointment Cancellation and Rescheduling {#mlo_testing_hbk_changeappt .concept}",
        "4.1 Appointment Changes {#section_yyc_jdg_mbc .section}",
        "4.2 Weather Delays and Related Cancellations {#section_tgl_kdg_mbc .section}",
        "4.3 Request for a Complimentary Test Enrollment Due to an Emergency Personal Hardship {#section_xgm_jdg_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_changeappt.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_changeappt.md:chunk-1",
      "title": "4.0 Appointment Cancellation and Rescheduling {#mlo_testing_hbk_changeappt .concept}",
      "content": "ek|\n|Tuesday|Saturday of the previous week|\n|Wednesday|Sunday of the same week|\n|Thursday|Monday of the same week|\n|Friday|Tuesday of the same week|\n|Saturday|Wednesday of the same week|\n\n## 4.3 Request for a Complimentary Test Enrollment Due to an Emergency Personal Hardship \n\nNMLS understands that there may be some unforeseeable and unavoidable emergencies beyond the control of an MLO candidate that can prevent timely cancellation of a scheduled testing appointment.\n\nIf a candidate believes that an unavoidable personal hardship either made it impossible to reschedule the test appointment within the designated time-frame or physically prevented them from taking the test on the day of the scheduled appointment, then the candidate may submit a written request for a complimentary test enrollment within 20 days of the original test date. Test fees are **non-refundable** and **non-transferable.**\n\n**If supported by proper documentation**, examples of potential reasons for cancellation or missing the scheduled appointment could include: medical emergency, birth of a child, death of an immediate family member. Inability to take the test due to workload, work conflicts, mechanical breakdown or an inability to properly prepare for the test are not considered emergencies. Requests citing those reasons will not be considered.\n\nThe written correspondence must include the following information:\n\n-   Candidate’s full name\n-   NMLS ID\\#\n-   Contact Information \\(including mailing address, telephone number, email address\\)\n-   Date test was scheduled\n-   Test location \\(city and state\\)\n-   Reason for the untimely cancellation or missing the scheduled appointment \\(i.e.; medical emergency, birth of a child, death of an immediate family member\\)\n-   All requests **_must be_** supported with proper documentation from an independent third party, such as: doctor’s note on letterhead, hospital admission report, police report, death certificate reflecting relationship, etc. Requests sub",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_changeappt.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_changeappt.md",
      "headings": [
        "4.0 Appointment Cancellation and Rescheduling {#mlo_testing_hbk_changeappt .concept}",
        "4.1 Appointment Changes {#section_yyc_jdg_mbc .section}",
        "4.2 Weather Delays and Related Cancellations {#section_tgl_kdg_mbc .section}",
        "4.3 Request for a Complimentary Test Enrollment Due to an Emergency Personal Hardship {#section_xgm_jdg_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_changeappt.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_changeappt.md:chunk-2",
      "title": "4.0 Appointment Cancellation and Rescheduling {#mlo_testing_hbk_changeappt .concept}",
      "content": " with proper documentation from an independent third party, such as: doctor’s note on letterhead, hospital admission report, police report, death certificate reflecting relationship, etc. Requests submitted without proper documentation will **not** be considered.\n\nA request will only be considered if it contains the required information outlined above and the supporting documentation together in a single mailing. Upon receipt and verification of the request, NMLS will notify the candidate in writing within 20 days of receipt of correspondence regarding the issuance of a new complimentary test enrollment window.\n\nIf the candidate is unable to wait for a decision to be made and takes the initiative to pay for and open a new test enrollment, NMLS will consider the request for a complimentary retest void and the fee will not be reimbursed for the subsequent enrollment.\n\nPlease send requests for complimentary test enrollment due to personal hardships to:\n\n          NMLS Complimentary Enrollment Coordinator   \n           c/o Field Support Services  \n           9509 Key West Avenue   \n           Rockville, MD 20850\n\nRequests may also be sent via email to NMLS\\_FieldSupport@finra.org.\n\n**Note:** Effective October 1 2024, Online Proctored Testing \\(OPT\\) is only available to candidates who qualify for Testing Accommodations as defined by the Americans with Disabilities Act \\(ADA\\).\n\n**Parent topic:**MLO Testing Handbook",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_changeappt.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_changeappt.md",
      "headings": [
        "4.0 Appointment Cancellation and Rescheduling {#mlo_testing_hbk_changeappt .concept}",
        "4.1 Appointment Changes {#section_yyc_jdg_mbc .section}",
        "4.2 Weather Delays and Related Cancellations {#section_tgl_kdg_mbc .section}",
        "4.3 Request for a Complimentary Test Enrollment Due to an Emergency Personal Hardship {#section_xgm_jdg_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_changeappt.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_expiration.md:chunk-0",
      "title": "11.0 Test Expiration {#mlo_testing_hbk_expiration .concept}",
      "content": "# 11.0 Test Expiration \n\nThis chapter covers when test results expire.\n\n## 11.1 Test Expiration \n\nSection 1505\\(d\\) of the SAFE Mortgage Licensing Act states,\n\n> “…\\[a\\] state licensed loan originator who fails to maintain a valid license for a period of 5 years or longer shall retake the test, not taking into account any time during which such individual is a registered loan originator.”\n\nTherefore, if mortgage loan originators leave the mortgage industry, or pass the SAFE MLO Test but don’t obtain a license or active federal registration, for a period of five consecutive years, their previously passed test results will expire, and they will be required to retest in order to obtain licensure.\n\nFor more information, please refer to Test Expiration Policy & Frequently Asked Questions.\n\n**Parent topic:**MLO Testing Handbook",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_expiration.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_expiration.md",
      "headings": [
        "11.0 Test Expiration {#mlo_testing_hbk_expiration .concept}",
        "11.1 Test Expiration {#section_lcj_kfg_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_expiration.html",
      "snippet": null
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    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_intro-1.md:chunk-0",
      "title": "1.0 Overview and Test Specifications {#mlo_testing_hbk_intro .concept}",
      "content": "# 1.0 Overview and Test Specifications \n\nThis chapter includes basic information about the SAFE MLO Test, including background, length, and cost.\n\n## 1.1 Overview \n\nOn July 30, 2008, the President of the United States signed into law the Housing and Economic Recovery Act of 2008. Title V of the Act, entitled The Secure and Fair Enforcement for Mortgage Licensing Act of 2008 \\(SAFE Mortgage Licensing Act\\), recognizes and builds on states’ efforts to enhance consumer protection, and reduce fraud, by requiring ALL mortgage loan originators to be either state-licensed or federally registered.\n\nUnder the SAFE Mortgage Licensing Act, all states must implement a Mortgage Loan Originator \\(MLO\\) licensing process that meets certain standards through the NMLS \\(Nationwide Mortgage Licensing System & Registry\\). The Act requires all MLOs seeking state licensure to pass the NMLS-developed SAFE Mortgage Loan Originator Test with a score of 75% or better.\n\nThe NMLS has an online Resource Center available to companies, regulators and individuals to provide information and guidance on state participation, testing, pre-Licensing and continuing education, and system-related updates. In addition to reviewing this MLO Testing Handbook, it is recommended that candidates visit the NMLS Resource Center for more information.\n\n## 1.2 Test Specifications \n\nAs of April 5, 2021, the SAFE Mortgage Loan Originator Test consists of the following:\n\n|Test|\\# of items|Test Length|Appointment Length[^1]|Cost|\n|----|-----------|-----------|----------------------|----|\n|National Test|120 total; 115 scored|190 minutes|225 minutes|$110|\n\n**Note:** The five pre-test \\(un-scored\\) questions appearing on the test do not affect the candidate’s score or the pass/fail result. These pre-test questions are being pilot tested for future use. Once these pre-test questions are adequately tested, these questions will be considered for use as scored test questions on future NMLS tests. The pre-test questions appear",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_intro-1.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_intro-1.md",
      "headings": [
        "1.0 Overview and Test Specifications {#mlo_testing_hbk_intro .concept}",
        "1.1 Overview {#section_dyf_zjf_mbc .section}",
        "1.2 Test Specifications {#section_srs_zjf_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_intro-1.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_intro-1.md:chunk-1",
      "title": "1.0 Overview and Test Specifications {#mlo_testing_hbk_intro .concept}",
      "content": "ilot tested for future use. Once these pre-test questions are adequately tested, these questions will be considered for use as scored test questions on future NMLS tests. The pre-test questions appear on the test in random order. The candidate will not know which questions are pre-test and which questions are scored.\n\n**Parent topic:**MLO Testing Handbook\n\n[^1]: Each test appointment includes an additional 30-35 minutes for completing a tutorial and an optional candidate survey.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_intro-1.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_intro-1.md",
      "headings": [
        "1.0 Overview and Test Specifications {#mlo_testing_hbk_intro .concept}",
        "1.1 Overview {#section_dyf_zjf_mbc .section}",
        "1.2 Test Specifications {#section_srs_zjf_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_intro-1.html",
      "snippet": null
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    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_intro.md:chunk-0",
      "title": "1.0 Overview and Test Specifications {#mlo_testing_hbk_intro .concept}",
      "content": "# 1.0 Overview and Test Specifications \n\nThis chapter includes basic information about the SAFE MLO Test, including background, length, and cost.\n\n## 1.1 Overview \n\nOn July 30, 2008, the President of the United States signed into law the Housing and Economic Recovery Act of 2008. Title V of the Act, entitled The Secure and Fair Enforcement for Mortgage Licensing Act of 2008 \\(SAFE Mortgage Licensing Act\\), recognizes and builds on states’ efforts to enhance consumer protection, and reduce fraud, by requiring ALL mortgage loan originators to be either state-licensed or federally registered.\n\nUnder the SAFE Mortgage Licensing Act, all states must implement a Mortgage Loan Originator \\(MLO\\) licensing process that meets certain standards through the NMLS \\(Nationwide Mortgage Licensing System & Registry\\). The Act requires all MLOs seeking state licensure to pass the NMLS-developed SAFE Mortgage Loan Originator Test with a score of 75% or better.\n\nThe NMLS has an online Resource Center available to companies, regulators and individuals to provide information and guidance on state participation, testing, pre-Licensing and continuing education, and system-related updates. In addition to reviewing this MLO Testing Handbook, it is recommended that candidates visit the NMLS Resource Center for more information.\n\n## 1.2 Test Specifications \n\nAs of April 5, 2021, the SAFE Mortgage Loan Originator Test consists of the following:\n\n|Test|\\# of items|Test Length|Appointment Length[^1]|Cost|\n|----|-----------|-----------|----------------------|----|\n|National Test|120 total; 115 scored|190 minutes|225 minutes|$110|\n\n**Note:** The five pre-test \\(un-scored\\) questions appearing on the test do not affect the candidate’s score or the pass/fail result. These pre-test questions are being pilot tested for future use. Once these pre-test questions are adequately tested, these questions will be considered for use as scored test questions on future NMLS tests. The pre-test questions appear",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_intro.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_intro.md",
      "headings": [
        "1.0 Overview and Test Specifications {#mlo_testing_hbk_intro .concept}",
        "1.1 Overview {#section_dyf_zjf_mbc .section}",
        "1.2 Test Specifications {#section_srs_zjf_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_intro.html",
      "snippet": null
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    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_intro.md:chunk-1",
      "title": "1.0 Overview and Test Specifications {#mlo_testing_hbk_intro .concept}",
      "content": "ilot tested for future use. Once these pre-test questions are adequately tested, these questions will be considered for use as scored test questions on future NMLS tests. The pre-test questions appear on the test in random order. The candidate will not know which questions are pre-test and which questions are scored.\n\n[^1]: Each test appointment includes an additional 30-35 minutes for completing a tutorial and an optional candidate survey.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_intro.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_intro.md",
      "headings": [
        "1.0 Overview and Test Specifications {#mlo_testing_hbk_intro .concept}",
        "1.1 Overview {#section_dyf_zjf_mbc .section}",
        "1.2 Test Specifications {#section_srs_zjf_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_intro.html",
      "snippet": null
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    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_onlineProctoredTest-1.md:chunk-0",
      "title": "Online Proctored Testing {#xd_e222e7fa28421aa9--1aaa0fe5-19021998458--7ffd .concept}",
      "content": "# Online Proctored Testing \n\nThe SAFE MLO Test is now offered via Prometric’s online proctored testing platform, ProProctor. Candidates who would like to test online should review all of the information provided below to prepare their environments for their online testing session.\n\nVideo: Be sure the online proctored testing \\(OPT\\) option is right for you\n\n## Prepare for Your Online SAFE MLO Test Appointment \n\nThe SAFE MLO Test is now offered via Prometric’s online proctored testing platform, ProProctor™. Candidates who would like to test online should review all of the information provided below to prepare their environments for their online testing session.\n\n## Before Your Online Test Appointment \n\nAll candidates who wish to take the test online must submit a request in NMLS. Requests may take up to 5 business days to process, and approval or rejection emails will come from nmls\\_fieldsupport@finra.orgNMLS\\_FieldSupport@finra.org. All candidates will be required to attest to several statement requirements as a condition for taking the test online.\n\n**Note:** Effective October 1 2024, Online Proctored Testing \\(OPT\\) is only available to candidates who qualify for Testing Accommodations as defined by the Americans with Disabilities Act \\(ADA\\). Instructions on how to request Testing Accommodations can be found in Section **5.0 Testing Accommodations** of the MLO Handbook.\n\nThere are a number of technical and procedural requirements you need to be able to meet or be aware of before you can sit for an online-proctored test appointment. Please carefully review the information provided in this section.\n\nIn order to access Prometric's ProProctor™ system, you will be required to download and install the ProProctor application from the Prometric Site as well as perform a System Check. This will ensure that your laptop or desktop operating system meets the minimum requirements. We recommend you complete this step prior to scheduling your online testing appointment. For co",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_onlineProctoredTest-1.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_onlineProctoredTest-1.md",
      "headings": [
        "Online Proctored Testing {#xd_e222e7fa28421aa9--1aaa0fe5-19021998458--7ffd .concept}",
        "Prepare for Your Online SAFE MLO Test Appointment {#section_qj4_wr5_4gc .section}",
        "Before Your Online Test Appointment {#section_s2k_zr5_4gc .section}",
        "Launching Your Online Test {#section_afq_tdv_4gc .section}",
        "In the Testing Room {#section_c4q_p2v_4gc .section}",
        "Test Results {#section_dng_q2v_4gc .section}",
        "Concerns About Your Testing Experience {#section_rtt_r2v_4gc .section}",
        "Content Challenge {#section_cbh_ffv_4gc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_onlineProctoredTest-1.html",
      "snippet": null
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      "id": "maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_onlineProctoredTest-1.md:chunk-1",
      "title": "Online Proctored Testing {#xd_e222e7fa28421aa9--1aaa0fe5-19021998458--7ffd .concept}",
      "content": "tem Check. This will ensure that your laptop or desktop operating system meets the minimum requirements. We recommend you complete this step prior to scheduling your online testing appointment. For complete details, please review the ProProctor User Guide.\n\n**Note:** We **strongly** advise candidates to use a personal computer or laptop to take the SAFE MLO Test online. If you are using your company-issued equipment to take this test online, note that your company may have several restrictions that will not allow you to install and or use this software.\n\n\n\nSystem Requirements\n\n\n\nNotes\n\n\n\nLaptop/PC Power Source\n\n\n\n​Please plug your device directly into a power source, unattached from a docking station\n\n\n\n​Screen Resolution\n\n\n\n1024 x 768 is the minimum resolution required\n\n\n\n​Operating System\n\n\n\n​Official builds of Windows 8.1 or higher and MacOS 10.13 or higher -\n\n **Important:** MacOS Ventura 13.0 to 13.2.1 are not supported. Please upgrade to 13.3.1. before testing.\n\n **Note:** iPad/Android tablets are not currently supported. Microsoft Surface or similar can be used only when configured in laptop mode.\n\n\n\nAudio Hardware\n\n\n\n​Working speakers and microphone required, wired headphone and microphone allowed. Wireless / Bluetooth headsets should never be used.\n\n\n\n​Web Browser\n\n\n\n​Must use current version of Google Chrome\n\n\n\n​Internet Speed\n\n\n\n​5.0 mbps or greater\n\n\n\nWi-Fi Connection​\n\n\n\n​Please position your device where you can receive the strongest signal. For the best experience, please use an Ethernet cable to connect directly to the router, and make sure there is no additional load on your wi-fi connection from other users such as streaming videos, music, or games. Lack of signal strength during your exam may cause you to lose connection to our system \\(your test\\).\n\n\n\n​​Laptop/PC\n\n\n\n​​Must use an undocked computer - laptop or PC. \\(\\*note iPad/Android tablets are not currently supported. Microsoft Surface or similar can be used only when configured in laptop mode",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_onlineProctoredTest-1.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_onlineProctoredTest-1.md",
      "headings": [
        "Online Proctored Testing {#xd_e222e7fa28421aa9--1aaa0fe5-19021998458--7ffd .concept}",
        "Prepare for Your Online SAFE MLO Test Appointment {#section_qj4_wr5_4gc .section}",
        "Before Your Online Test Appointment {#section_s2k_zr5_4gc .section}",
        "Launching Your Online Test {#section_afq_tdv_4gc .section}",
        "In the Testing Room {#section_c4q_p2v_4gc .section}",
        "Test Results {#section_dng_q2v_4gc .section}",
        "Concerns About Your Testing Experience {#section_rtt_r2v_4gc .section}",
        "Content Challenge {#section_cbh_ffv_4gc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_onlineProctoredTest-1.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_onlineProctoredTest-1.md:chunk-2",
      "title": "Online Proctored Testing {#xd_e222e7fa28421aa9--1aaa0fe5-19021998458--7ffd .concept}",
      "content": "\n\n​​Laptop/PC\n\n\n\n​​Must use an undocked computer - laptop or PC. \\(\\*note iPad/Android tablets are not currently supported. Microsoft Surface or similar can be used only when configured in laptop mode\\). **Important:** Personal computers are strongly advised. If you are using your company-issued equipment to take this test online, note that your company may have several restrictions that will not allow you to install and or use this software.\n\n\n\n​Monitor\n\n\n\n​No dual-monitor configurations are permitted.\n\n\n## Testing Environment Requirements \n\nYour office or home setting must meet the following requirements:\n\n-   Testing location must be indoors \\(walled\\), well lit, free from background noise and disruptions.\n-   No third party may be present in the room or enter the room for the duration of the exam. If this occurs, your exam will be terminated and/or your results invalidated.\n-   Your workstation and surrounding area must be free of pens, paper, electronic devices, etc.\n-   No content that could potentially provide an unfair advantage during your exam, including that posted on walls or within your immediate area, should be present during your exam session.\n\nA 360-degree view of your workstation and surrounding environment will be required, preferably using an external USB cable camera. Similar to the checks performed in a physical testing site, you will also be asked to participate in a visual person check, including but not limited to a sleeve, pocket and glasses check. Additional test center procedures, including prohibited items/conduct, can be reviewed in the ProProctor User Guide.\n\nYou will be required to agree to and abide by Rules of Conduct for Test Takers and Prometric's Security Guidelines provided in the ProProctor User Guide. If you refuse to agree to or abide by the security guidelines and/or protocol, you will not be allowed to test. Your test enrollment window will be closed and you will be required to pay for and open a new test enrollment window i",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_onlineProctoredTest-1.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_onlineProctoredTest-1.md",
      "headings": [
        "Online Proctored Testing {#xd_e222e7fa28421aa9--1aaa0fe5-19021998458--7ffd .concept}",
        "Prepare for Your Online SAFE MLO Test Appointment {#section_qj4_wr5_4gc .section}",
        "Before Your Online Test Appointment {#section_s2k_zr5_4gc .section}",
        "Launching Your Online Test {#section_afq_tdv_4gc .section}",
        "In the Testing Room {#section_c4q_p2v_4gc .section}",
        "Test Results {#section_dng_q2v_4gc .section}",
        "Concerns About Your Testing Experience {#section_rtt_r2v_4gc .section}",
        "Content Challenge {#section_cbh_ffv_4gc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_onlineProctoredTest-1.html",
      "snippet": null
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    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_onlineProctoredTest-1.md:chunk-3",
      "title": "Online Proctored Testing {#xd_e222e7fa28421aa9--1aaa0fe5-19021998458--7ffd .concept}",
      "content": "bide by the security guidelines and/or protocol, you will not be allowed to test. Your test enrollment window will be closed and you will be required to pay for and open a new test enrollment window in order to retest. Any violation of the rules will subject you to possible disciplinary action as described in the Rules of Conduct.\n\n## Launching Your Online Test \n\nArrival\n:   -   Be sure to review your confirmation email for important appointment details.\n\n    **Note:** Your confirmation number will be required in order to launch your test\n\n    .\n\n-   If you are using a laptop, ensure it is connected to a power source so that you do not run out of battery power in the middle of your test.\n-   If possible, use a wired internet connection instead of a wireless signal.\n-   While internet connectivity varies, remember that all of your household internet connections are competing for bandwidth, including online gaming, streaming services, etc. You are encouraged to limit household internet usage during your test session. Additional suggestions to enhance your internet connectivity during testing can be found on Prometric's ProProctor Candidate Information page.\n-   Access Prometric's ProProctor Candidate Portal site to launch your online test session.\n-   Please plan to check-in to your online test appointment 30 minutes before your scheduled appointment time in order to complete the check-in process and begin your online test on time. If you are late, you may not be able to test and will lose your test fee.\n-   Bring one valid, government-issued identification document with a signature and picture, such an unexpired driver's license, passport or military ID.\n\n    -   Ensure that your name on this ID is the exact same name under which your test is scheduled. No electronic, photocopied or faxed ID or name change documentation will be accepted.\n\nInspection and Sign-in Requirements\n:   -   You will be required to have a clean workspace and an environment suitable for testing",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_onlineProctoredTest-1.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_onlineProctoredTest-1.md",
      "headings": [
        "Online Proctored Testing {#xd_e222e7fa28421aa9--1aaa0fe5-19021998458--7ffd .concept}",
        "Prepare for Your Online SAFE MLO Test Appointment {#section_qj4_wr5_4gc .section}",
        "Before Your Online Test Appointment {#section_s2k_zr5_4gc .section}",
        "Launching Your Online Test {#section_afq_tdv_4gc .section}",
        "In the Testing Room {#section_c4q_p2v_4gc .section}",
        "Test Results {#section_dng_q2v_4gc .section}",
        "Concerns About Your Testing Experience {#section_rtt_r2v_4gc .section}",
        "Content Challenge {#section_cbh_ffv_4gc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_onlineProctoredTest-1.html",
      "snippet": null
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    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_onlineProctoredTest-1.md:chunk-4",
      "title": "Online Proctored Testing {#xd_e222e7fa28421aa9--1aaa0fe5-19021998458--7ffd .concept}",
      "content": "otocopied or faxed ID or name change documentation will be accepted.\n\nInspection and Sign-in Requirements\n:   -   You will be required to have a clean workspace and an environment suitable for testing. You are prohibited from having any personal items. Prohibited items include but are not limited to: notes, books, papers, electronic devices, cameras, phones, any communication or recording devices, spyware and large jewelry.\n-   You will be required to show that you are not in possession of any prohibited items by verifying your pockets are empty, pulling up your pant legs and your sleeves. You will also be asked to show your ears to ensure nothing that could provide an unfair advantage \\(such as a Bluetooth earpiece\\) is in your ears.\n-   Your picture will be taken, and your ID will be verified.\n\n## In the Testing Room \n\nPhysical calculators, scratch paper and/or erasable note boards are not permitted during your test session. The online SAFE MLO Test has an onscreen calculator and a virtual scratchpad included as part of your test.\n\nIf you need to take an unscheduled break, remember that you must notify your test proctor first. You are only permitted to use the restroom. Following any unscheduled break, you will be required to repeat the security check of your testing environment and person. The time used for unscheduled breaks and subsequent security checks will be deducted from the remaining time on the test session.\n\nYou will be required to agree to and abide by Rules of Conduct for Test Takers and Prometric's Security Guidelines provided in the ProProctor User Guide. If you refuse to agree to or abide by the security guidelines and/or protocol, you will not be allowed to test. Your test enrollment window will be closed and you will be required to pay for and open a new test enrollment window in order to retest. Any violation of the rules will subject you to possible disciplinary action as described in the Rules of Conduct.\n\nYour actions in the online testing en",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_onlineProctoredTest-1.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_onlineProctoredTest-1.md",
      "headings": [
        "Online Proctored Testing {#xd_e222e7fa28421aa9--1aaa0fe5-19021998458--7ffd .concept}",
        "Prepare for Your Online SAFE MLO Test Appointment {#section_qj4_wr5_4gc .section}",
        "Before Your Online Test Appointment {#section_s2k_zr5_4gc .section}",
        "Launching Your Online Test {#section_afq_tdv_4gc .section}",
        "In the Testing Room {#section_c4q_p2v_4gc .section}",
        "Test Results {#section_dng_q2v_4gc .section}",
        "Concerns About Your Testing Experience {#section_rtt_r2v_4gc .section}",
        "Content Challenge {#section_cbh_ffv_4gc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_onlineProctoredTest-1.html",
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      "id": "maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_onlineProctoredTest-1.md:chunk-5",
      "title": "Online Proctored Testing {#xd_e222e7fa28421aa9--1aaa0fe5-19021998458--7ffd .concept}",
      "content": " new test enrollment window in order to retest. Any violation of the rules will subject you to possible disciplinary action as described in the Rules of Conduct.\n\nYour actions in the online testing environment are video- and audio-recorded. The impacts of cheating are severe and could result in an invalidation of your test results, prohibition from retaking a test, and a notification to all state mortgage agencies regarding your misconduct.\n\nFor more information about what to expect with online testing, please view Prometric's ProProctor User Guide and ProProctor Candidate Information page.\n\n## Test Results \n\nUpon completing your online test, you will receive your unofficial pass or fail notification on screen. Within three business days, test results will be posted to NMLS.\n\nResults Report\n:   Your official results report will be sent within three business days to the email address provided at the time of appointment scheduling. The score report includes an overall percentage score on the test, as well as a range to indicate how well the candidate performed on each section of the exam. This information is provided to help a candidate prepare for a subsequent attempt, it is not intended to provide information on the precise number of questions answered correctly in any given section, or on the test overall. For security reasons, the test and/or individual test questions are not available for review after taking the test\n\nEquating of Scores\n:   Since the difficulty of each form varies slightly, the candidate’s test is statistically equated to a standard form of the test. The purpose of statistical equating is to place all administrations of the test on equal ground. Equating ensures that no candidate who takes a slightly more difficult test would be at a disadvantage, or conversely, no candidate would receive an unfair advantage by taking a slightly easier test. Therefore, candidates with comparable ability will be given the same opportunity to pass the test regardle",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_onlineProctoredTest-1.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_onlineProctoredTest-1.md",
      "headings": [
        "Online Proctored Testing {#xd_e222e7fa28421aa9--1aaa0fe5-19021998458--7ffd .concept}",
        "Prepare for Your Online SAFE MLO Test Appointment {#section_qj4_wr5_4gc .section}",
        "Before Your Online Test Appointment {#section_s2k_zr5_4gc .section}",
        "Launching Your Online Test {#section_afq_tdv_4gc .section}",
        "In the Testing Room {#section_c4q_p2v_4gc .section}",
        "Test Results {#section_dng_q2v_4gc .section}",
        "Concerns About Your Testing Experience {#section_rtt_r2v_4gc .section}",
        "Content Challenge {#section_cbh_ffv_4gc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_onlineProctoredTest-1.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_onlineProctoredTest-1.md:chunk-6",
      "title": "Online Proctored Testing {#xd_e222e7fa28421aa9--1aaa0fe5-19021998458--7ffd .concept}",
      "content": " conversely, no candidate would receive an unfair advantage by taking a slightly easier test. Therefore, candidates with comparable ability will be given the same opportunity to pass the test regardless of the slight variations of difficulty of the forms of the test that are administered to them.\n\nIf You Do Not Pass\n:   If you do not pass your test, a waiting period will apply based on the SAFE Act. Generally, you may take the test again 30 days after the date of the prior test. However, if you fail the test three or more times in succession, you must wait until 180 calendar days have elapsed since the date of your last attempt to pass the test.\n\n## Concerns About Your Testing Experience \n\nIf you have any suggestions or concerns regarding your testing experience, you may provide your input to NMLS using the survey link provided with your emailed score report. During the test, you can ask the virtual test proctor to file an incident report on your behalf.\n\nIf you have other questions or require assistance, please contact NMLS Online Testing Support Team \\(NMLStest@csbs.org\\) or review the Online Proctored SAFE MLO Test Delivery FAQsOnline Testing FAQs page. For additional guidance, please reference the ProProctor User Guide and/or ProProctor Support.\n\n## Content Challenge \n\nA test candidate who wishes to challenge the content of one or more questions on their NMLS test must complete and submit a content challenge as described in 9.5 Test Content Comments and Challenges of the MLO Testing Handbook within 20 days of the date they tested. The challenge must be specific in nature. NMLS will review the question or questions specified in the challenge form and provide a written response within 20 days of the receipt of your challenge form.\n\n**Parent topic:**7.0 Test Day",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_onlineProctoredTest-1.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_onlineProctoredTest-1.md",
      "headings": [
        "Online Proctored Testing {#xd_e222e7fa28421aa9--1aaa0fe5-19021998458--7ffd .concept}",
        "Prepare for Your Online SAFE MLO Test Appointment {#section_qj4_wr5_4gc .section}",
        "Before Your Online Test Appointment {#section_s2k_zr5_4gc .section}",
        "Launching Your Online Test {#section_afq_tdv_4gc .section}",
        "In the Testing Room {#section_c4q_p2v_4gc .section}",
        "Test Results {#section_dng_q2v_4gc .section}",
        "Concerns About Your Testing Experience {#section_rtt_r2v_4gc .section}",
        "Content Challenge {#section_cbh_ffv_4gc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_onlineProctoredTest-1.html",
      "snippet": null
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    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_onlineProctoredTest.md:chunk-0",
      "title": "Online Proctored Testing {#xd_e222e7fa28421aa9--1aaa0fe5-19021998458--7ffd .concept}",
      "content": "# Online Proctored Testing \n\nThe SAFE MLO Test is now offered via Prometric’s online proctored testing platform, ProProctor. Candidates who would like to test online should review all of the information provided below to prepare their environments for their online testing session.\n\nVideo: Be sure the online proctored testing \\(OPT\\) option is right for you\n\n## Prepare for Your Online SAFE MLO Test Appointment \n\nThe SAFE MLO Test is now offered via Prometric’s online proctored testing platform, ProProctor™. Candidates who would like to test online should review all of the information provided below to prepare their environments for their online testing session.\n\n## Before Your Online Test Appointment \n\nAll candidates who wish to take the test online must submit a request in NMLS. Requests may take up to 5 business days to process, and approval or rejection emails will come from nmls\\_fieldsupport@finra.orgNMLS\\_FieldSupport@finra.org. All candidates will be required to attest to several statement requirements as a condition for taking the test online.\n\n**Note:** Effective October 1 2024, Online Proctored Testing \\(OPT\\) is only available to candidates who qualify for Testing Accommodations as defined by the Americans with Disabilities Act \\(ADA\\). Instructions on how to request Testing Accommodations can be found in Section **5.0 Testing Accommodations** of the MLO Handbook.\n\nThere are a number of technical and procedural requirements you need to be able to meet or be aware of before you can sit for an online-proctored test appointment. Please carefully review the information provided in this section.\n\nIn order to access Prometric's ProProctor™ system, you will be required to download and install the ProProctor application from the Prometric Site as well as perform a System Check. This will ensure that your laptop or desktop operating system meets the minimum requirements. We recommend you complete this step prior to scheduling your online testing appointment. For co",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_onlineProctoredTest.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_onlineProctoredTest.md",
      "headings": [
        "Online Proctored Testing {#xd_e222e7fa28421aa9--1aaa0fe5-19021998458--7ffd .concept}",
        "Prepare for Your Online SAFE MLO Test Appointment {#section_qj4_wr5_4gc .section}",
        "Before Your Online Test Appointment {#section_s2k_zr5_4gc .section}",
        "Launching Your Online Test {#section_afq_tdv_4gc .section}",
        "In the Testing Room {#section_c4q_p2v_4gc .section}",
        "Test Results {#section_dng_q2v_4gc .section}",
        "Concerns About Your Testing Experience {#section_rtt_r2v_4gc .section}",
        "Content Challenge {#section_cbh_ffv_4gc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_onlineProctoredTest.html",
      "snippet": null
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      "id": "maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_onlineProctoredTest.md:chunk-1",
      "title": "Online Proctored Testing {#xd_e222e7fa28421aa9--1aaa0fe5-19021998458--7ffd .concept}",
      "content": "tem Check. This will ensure that your laptop or desktop operating system meets the minimum requirements. We recommend you complete this step prior to scheduling your online testing appointment. For complete details, please review the ProProctor User Guide.\n\n**Note:** We **strongly** advise candidates to use a personal computer or laptop to take the SAFE MLO Test online. If you are using your company-issued equipment to take this test online, note that your company may have several restrictions that will not allow you to install and or use this software.\n\n\n\nSystem Requirements\n\n\n\nNotes\n\n\n\nLaptop/PC Power Source\n\n\n\n​Please plug your device directly into a power source, unattached from a docking station\n\n\n\n​Screen Resolution\n\n\n\n1024 x 768 is the minimum resolution required\n\n\n\n​Operating System\n\n\n\n​Official builds of Windows 8.1 or higher and MacOS 10.13 or higher -\n\n **Important:** MacOS Ventura 13.0 to 13.2.1 are not supported. Please upgrade to 13.3.1. before testing.\n\n **Note:** iPad/Android tablets are not currently supported. Microsoft Surface or similar can be used only when configured in laptop mode.\n\n\n\nAudio Hardware\n\n\n\n​Working speakers and microphone required, wired headphone and microphone allowed. Wireless / Bluetooth headsets should never be used.\n\n\n\n​Web Browser\n\n\n\n​Must use current version of Google Chrome\n\n\n\n​Internet Speed\n\n\n\n​5.0 mbps or greater\n\n\n\nWi-Fi Connection​\n\n\n\n​Please position your device where you can receive the strongest signal. For the best experience, please use an Ethernet cable to connect directly to the router, and make sure there is no additional load on your wi-fi connection from other users such as streaming videos, music, or games. Lack of signal strength during your exam may cause you to lose connection to our system \\(your test\\).\n\n\n\n​​Laptop/PC\n\n\n\n​​Must use an undocked computer - laptop or PC. \\(\\*note iPad/Android tablets are not currently supported. Microsoft Surface or similar can be used only when configured in laptop mode",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_onlineProctoredTest.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_onlineProctoredTest.md",
      "headings": [
        "Online Proctored Testing {#xd_e222e7fa28421aa9--1aaa0fe5-19021998458--7ffd .concept}",
        "Prepare for Your Online SAFE MLO Test Appointment {#section_qj4_wr5_4gc .section}",
        "Before Your Online Test Appointment {#section_s2k_zr5_4gc .section}",
        "Launching Your Online Test {#section_afq_tdv_4gc .section}",
        "In the Testing Room {#section_c4q_p2v_4gc .section}",
        "Test Results {#section_dng_q2v_4gc .section}",
        "Concerns About Your Testing Experience {#section_rtt_r2v_4gc .section}",
        "Content Challenge {#section_cbh_ffv_4gc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_onlineProctoredTest.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_onlineProctoredTest.md:chunk-2",
      "title": "Online Proctored Testing {#xd_e222e7fa28421aa9--1aaa0fe5-19021998458--7ffd .concept}",
      "content": "\n\n​​Laptop/PC\n\n\n\n​​Must use an undocked computer - laptop or PC. \\(\\*note iPad/Android tablets are not currently supported. Microsoft Surface or similar can be used only when configured in laptop mode\\). **Important:** Personal computers are strongly advised. If you are using your company-issued equipment to take this test online, note that your company may have several restrictions that will not allow you to install and or use this software.\n\n\n\n​Monitor\n\n\n\n​No dual-monitor configurations are permitted.\n\n\n## Testing Environment Requirements \n\nYour office or home setting must meet the following requirements:\n\n-   Testing location must be indoors \\(walled\\), well lit, free from background noise and disruptions.\n-   No third party may be present in the room or enter the room for the duration of the exam. If this occurs, your exam will be terminated and/or your results invalidated.\n-   Your workstation and surrounding area must be free of pens, paper, electronic devices, etc.\n-   No content that could potentially provide an unfair advantage during your exam, including that posted on walls or within your immediate area, should be present during your exam session.\n\nA 360-degree view of your workstation and surrounding environment will be required, preferably using an external USB cable camera. Similar to the checks performed in a physical testing site, you will also be asked to participate in a visual person check, including but not limited to a sleeve, pocket and glasses check. Additional test center procedures, including prohibited items/conduct, can be reviewed in the ProProctor User Guide.\n\nYou will be required to agree to and abide by Rules of Conduct for Test Takers and Prometric's Security Guidelines provided in the ProProctor User Guide. If you refuse to agree to or abide by the security guidelines and/or protocol, you will not be allowed to test. Your test enrollment window will be closed and you will be required to pay for and open a new test enrollment window i",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_onlineProctoredTest.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_onlineProctoredTest.md",
      "headings": [
        "Online Proctored Testing {#xd_e222e7fa28421aa9--1aaa0fe5-19021998458--7ffd .concept}",
        "Prepare for Your Online SAFE MLO Test Appointment {#section_qj4_wr5_4gc .section}",
        "Before Your Online Test Appointment {#section_s2k_zr5_4gc .section}",
        "Launching Your Online Test {#section_afq_tdv_4gc .section}",
        "In the Testing Room {#section_c4q_p2v_4gc .section}",
        "Test Results {#section_dng_q2v_4gc .section}",
        "Concerns About Your Testing Experience {#section_rtt_r2v_4gc .section}",
        "Content Challenge {#section_cbh_ffv_4gc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_onlineProctoredTest.html",
      "snippet": null
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      "id": "maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_onlineProctoredTest.md:chunk-3",
      "title": "Online Proctored Testing {#xd_e222e7fa28421aa9--1aaa0fe5-19021998458--7ffd .concept}",
      "content": "bide by the security guidelines and/or protocol, you will not be allowed to test. Your test enrollment window will be closed and you will be required to pay for and open a new test enrollment window in order to retest. Any violation of the rules will subject you to possible disciplinary action as described in the Rules of Conduct.\n\n## Launching Your Online Test \n\nArrival\n:   -   Be sure to review your confirmation email for important appointment details.\n\n    **Note:** Your confirmation number will be required in order to launch your test\n\n    .\n\n-   If you are using a laptop, ensure it is connected to a power source so that you do not run out of battery power in the middle of your test.\n-   If possible, use a wired internet connection instead of a wireless signal.\n-   While internet connectivity varies, remember that all of your household internet connections are competing for bandwidth, including online gaming, streaming services, etc. You are encouraged to limit household internet usage during your test session. Additional suggestions to enhance your internet connectivity during testing can be found on Prometric's ProProctor Candidate Information page.\n-   Access Prometric's ProProctor Candidate Portal site to launch your online test session.\n-   Please plan to check-in to your online test appointment 30 minutes before your scheduled appointment time in order to complete the check-in process and begin your online test on time. If you are late, you may not be able to test and will lose your test fee.\n-   Bring one valid, government-issued identification document with a signature and picture, such an unexpired driver's license, passport or military ID.\n\n    -   Ensure that your name on this ID is the exact same name under which your test is scheduled. No electronic, photocopied or faxed ID or name change documentation will be accepted.\n\nInspection and Sign-in Requirements\n:   -   You will be required to have a clean workspace and an environment suitable for testing",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_onlineProctoredTest.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_onlineProctoredTest.md",
      "headings": [
        "Online Proctored Testing {#xd_e222e7fa28421aa9--1aaa0fe5-19021998458--7ffd .concept}",
        "Prepare for Your Online SAFE MLO Test Appointment {#section_qj4_wr5_4gc .section}",
        "Before Your Online Test Appointment {#section_s2k_zr5_4gc .section}",
        "Launching Your Online Test {#section_afq_tdv_4gc .section}",
        "In the Testing Room {#section_c4q_p2v_4gc .section}",
        "Test Results {#section_dng_q2v_4gc .section}",
        "Concerns About Your Testing Experience {#section_rtt_r2v_4gc .section}",
        "Content Challenge {#section_cbh_ffv_4gc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_onlineProctoredTest.html",
      "snippet": null
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    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_onlineProctoredTest.md:chunk-4",
      "title": "Online Proctored Testing {#xd_e222e7fa28421aa9--1aaa0fe5-19021998458--7ffd .concept}",
      "content": "otocopied or faxed ID or name change documentation will be accepted.\n\nInspection and Sign-in Requirements\n:   -   You will be required to have a clean workspace and an environment suitable for testing. You are prohibited from having any personal items. Prohibited items include but are not limited to: notes, books, papers, electronic devices, cameras, phones, any communication or recording devices, spyware and large jewelry.\n-   You will be required to show that you are not in possession of any prohibited items by verifying your pockets are empty, pulling up your pant legs and your sleeves. You will also be asked to show your ears to ensure nothing that could provide an unfair advantage \\(such as a Bluetooth earpiece\\) is in your ears.\n-   Your picture will be taken, and your ID will be verified.\n\n## In the Testing Room \n\nPhysical calculators, scratch paper and/or erasable note boards are not permitted during your test session. The online SAFE MLO Test has an onscreen calculator and a virtual scratchpad included as part of your test.\n\nIf you need to take an unscheduled break, remember that you must notify your test proctor first. You are only permitted to use the restroom. Following any unscheduled break, you will be required to repeat the security check of your testing environment and person. The time used for unscheduled breaks and subsequent security checks will be deducted from the remaining time on the test session.\n\nYou will be required to agree to and abide by Rules of Conduct for Test Takers and Prometric's Security Guidelines provided in the ProProctor User Guide. If you refuse to agree to or abide by the security guidelines and/or protocol, you will not be allowed to test. Your test enrollment window will be closed and you will be required to pay for and open a new test enrollment window in order to retest. Any violation of the rules will subject you to possible disciplinary action as described in the Rules of Conduct.\n\nYour actions in the online testing en",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_onlineProctoredTest.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_onlineProctoredTest.md",
      "headings": [
        "Online Proctored Testing {#xd_e222e7fa28421aa9--1aaa0fe5-19021998458--7ffd .concept}",
        "Prepare for Your Online SAFE MLO Test Appointment {#section_qj4_wr5_4gc .section}",
        "Before Your Online Test Appointment {#section_s2k_zr5_4gc .section}",
        "Launching Your Online Test {#section_afq_tdv_4gc .section}",
        "In the Testing Room {#section_c4q_p2v_4gc .section}",
        "Test Results {#section_dng_q2v_4gc .section}",
        "Concerns About Your Testing Experience {#section_rtt_r2v_4gc .section}",
        "Content Challenge {#section_cbh_ffv_4gc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_onlineProctoredTest.html",
      "snippet": null
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      "id": "maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_onlineProctoredTest.md:chunk-5",
      "title": "Online Proctored Testing {#xd_e222e7fa28421aa9--1aaa0fe5-19021998458--7ffd .concept}",
      "content": " new test enrollment window in order to retest. Any violation of the rules will subject you to possible disciplinary action as described in the Rules of Conduct.\n\nYour actions in the online testing environment are video- and audio-recorded. The impacts of cheating are severe and could result in an invalidation of your test results, prohibition from retaking a test, and a notification to all state mortgage agencies regarding your misconduct.\n\nFor more information about what to expect with online testing, please view Prometric's ProProctor User Guide and ProProctor Candidate Information page.\n\n## Test Results \n\nUpon completing your online test, you will receive your unofficial pass or fail notification on screen. Within three business days, test results will be posted to NMLS.\n\nResults Report\n:   Your official results report will be sent within three business days to the email address provided at the time of appointment scheduling. The score report includes an overall percentage score on the test, as well as a range to indicate how well the candidate performed on each section of the exam. This information is provided to help a candidate prepare for a subsequent attempt, it is not intended to provide information on the precise number of questions answered correctly in any given section, or on the test overall. For security reasons, the test and/or individual test questions are not available for review after taking the test\n\nEquating of Scores\n:   Since the difficulty of each form varies slightly, the candidate’s test is statistically equated to a standard form of the test. The purpose of statistical equating is to place all administrations of the test on equal ground. Equating ensures that no candidate who takes a slightly more difficult test would be at a disadvantage, or conversely, no candidate would receive an unfair advantage by taking a slightly easier test. Therefore, candidates with comparable ability will be given the same opportunity to pass the test regardle",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_onlineProctoredTest.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_onlineProctoredTest.md",
      "headings": [
        "Online Proctored Testing {#xd_e222e7fa28421aa9--1aaa0fe5-19021998458--7ffd .concept}",
        "Prepare for Your Online SAFE MLO Test Appointment {#section_qj4_wr5_4gc .section}",
        "Before Your Online Test Appointment {#section_s2k_zr5_4gc .section}",
        "Launching Your Online Test {#section_afq_tdv_4gc .section}",
        "In the Testing Room {#section_c4q_p2v_4gc .section}",
        "Test Results {#section_dng_q2v_4gc .section}",
        "Concerns About Your Testing Experience {#section_rtt_r2v_4gc .section}",
        "Content Challenge {#section_cbh_ffv_4gc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_onlineProctoredTest.html",
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      "title": "Online Proctored Testing {#xd_e222e7fa28421aa9--1aaa0fe5-19021998458--7ffd .concept}",
      "content": " conversely, no candidate would receive an unfair advantage by taking a slightly easier test. Therefore, candidates with comparable ability will be given the same opportunity to pass the test regardless of the slight variations of difficulty of the forms of the test that are administered to them.\n\nIf You Do Not Pass\n:   If you do not pass your test, a waiting period will apply based on the SAFE Act. Generally, you may take the test again 30 days after the date of the prior test. However, if you fail the test three or more times in succession, you must wait until 180 calendar days have elapsed since the date of your last attempt to pass the test.\n\n## Concerns About Your Testing Experience \n\nIf you have any suggestions or concerns regarding your testing experience, you may provide your input to NMLS using the survey link provided with your emailed score report. During the test, you can ask the virtual test proctor to file an incident report on your behalf.\n\nIf you have other questions or require assistance, please contact NMLS Online Testing Support Team \\(NMLStest@csbs.org\\) or review the Online Proctored SAFE MLO Test Delivery FAQsOnline Testing FAQs page. For additional guidance, please reference the ProProctor User Guide and/or ProProctor Support.\n\n## Content Challenge \n\nA test candidate who wishes to challenge the content of one or more questions on their NMLS test must complete and submit a content challenge as described in 9.5 Test Content Comments and Challenges of the MLO Testing Handbook within 20 days of the date they tested. The challenge must be specific in nature. NMLS will review the question or questions specified in the challenge form and provide a written response within 20 days of the receipt of your challenge form.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_onlineProctoredTest.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_onlineProctoredTest.md",
      "headings": [
        "Online Proctored Testing {#xd_e222e7fa28421aa9--1aaa0fe5-19021998458--7ffd .concept}",
        "Prepare for Your Online SAFE MLO Test Appointment {#section_qj4_wr5_4gc .section}",
        "Before Your Online Test Appointment {#section_s2k_zr5_4gc .section}",
        "Launching Your Online Test {#section_afq_tdv_4gc .section}",
        "In the Testing Room {#section_c4q_p2v_4gc .section}",
        "Test Results {#section_dng_q2v_4gc .section}",
        "Concerns About Your Testing Experience {#section_rtt_r2v_4gc .section}",
        "Content Challenge {#section_cbh_ffv_4gc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_onlineProctoredTest.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_results-1.md:chunk-0",
      "title": "9.0 Test and Survey Results {#mlo_testing_hbk_results .concept}",
      "content": "# 9.0 Test and Survey Results \n\nThis chapter outlines what happens after the SAFE MLO Test is completed, including score calculations, official test results, test score reports, and how to submit a test content challenge.\n\n## 9.1 Exit Survey \n\nUpon completion of the test, an optional exit survey is presented to gather feedback regarding the overall candidate testing experience. Participation in the survey has no bearing on the test results.\n\n## 9.2 Score Reporting \n\nBefore departing the test center, a printed score report is presented to the candidate by the TCA. The score report given at the test center is not official until the test results are posted in NMLS. A sample of the score reports received at the test center is located in Appendix C: Sample Score Report. For online proctored tests, a candidate’s official results report will be sent within three business days to the email address provided at the time of appointment scheduling. The score report includes an overall percentage score on the test, as well as a range to indicate how well the candidate performed on each section of the exam. This information is provided to help a candidate prepare for a subsequent attempt, it is not intended to provide information on the precise number of questions answered correctly in any given section, or on the test overall. For security reasons, the test and/or individual test questions are not available for review after taking the test.\n\nThe minimum passing score for all SAFE MLO tests is 75%, as mandated by the SAFE Act.\n\n## 9.2.1 Equating of Test Scores \n\nThe SAFE MLO National Test is administered using Linear on the Fly Testing \\(LOFT\\). This allows for a distinct form of the test to be given to each test taker.\n\nSince the difficulty of each form varies slightly, the candidate’s test is statistically equated to a standard form of the test. The purpose of statistical equating is to place all administrations of the test on equal ground. Equating ensures that no candidate wh",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_results-1.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_results-1.md",
      "headings": [
        "9.0 Test and Survey Results {#mlo_testing_hbk_results .concept}",
        "9.1 Exit Survey {#section_ix5_xfg_mbc .section}",
        "9.2 Score Reporting {#section_aml_xfg_mbc .section}",
        "9.2.1 Equating of Test Scores {#section_njz_wfg_mbc .section}",
        "9.3 Posting Official Test Results to NMLS Composite View {#section_b4q_wfg_mbc .section}",
        "9.4 Replacement Score Reports {#section_x1f_wfg_mbc .section}",
        "9.5 Test Content Comments and Challenges {#section_k3v_vfg_mbc .section}",
        "For concerns regarding unscored or pre-test questions: {#section_i3m_dhg_wbc .section}",
        "For concerns regarding test scores: {#section_zwm_ngg_wbc .section}",
        "NMLS Test Content Challenge Submission Form {#section_ubm_jgg_wbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_results-1.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_results-1.md:chunk-1",
      "title": "9.0 Test and Survey Results {#mlo_testing_hbk_results .concept}",
      "content": "e’s test is statistically equated to a standard form of the test. The purpose of statistical equating is to place all administrations of the test on equal ground. Equating ensures that no candidate who takes a slightly more difficult test would be at a disadvantage, or conversely, no candidate would receive an unfair advantage by taking a slightly easier test. Therefore, candidates with comparable ability will be given the same opportunity to pass the test regardless of the slight variations of difficulty of the forms of the test that are administered to them.\n\n## 9.3 Posting Official Test Results to NMLS Composite View \n\nNMLS will post the official test results for the MLO within 72 hours to the Testing Information section under the Composite View tab of NMLS. NMLS will send a notification email to the candidate and any company with access to the candidate’s record in NMLS.\n\n## 9.4 Replacement Score Reports \n\nOfficial test scores may be printed from the Composite View section of NMLS. Official test scores printed from NMLS will not provide candidates with information on their performance but will display the final result and final score. For replacement copies of an unofficial score report \\(obtained at the test center\\), that was lost or damaged, please contact the NMLS Call Center at 1-855-NMLS-123 \\(1-855-665-7123\\). Replacement copies of unofficial score reports must be emailed to the email address provide at the time you scheduled your test.\n\n## 9.5 Test Content Comments and Challenges \n\nEvery question is reviewed by a panel of experienced subject matter experts and statistically evaluated prior to appearing as a scored test question.\n\nIf you have a concern about a SPECIFIC question on your test:\n\n-   send the content challenge form, which is listed below, within 20 days of test date to NMLS Online Testing Support Team \\(NMLStest@csbs.org\\)\n-   include specific details regarding the test question\\(s\\) of concern including but not limited to the subject matter ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_results-1.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_results-1.md",
      "headings": [
        "9.0 Test and Survey Results {#mlo_testing_hbk_results .concept}",
        "9.1 Exit Survey {#section_ix5_xfg_mbc .section}",
        "9.2 Score Reporting {#section_aml_xfg_mbc .section}",
        "9.2.1 Equating of Test Scores {#section_njz_wfg_mbc .section}",
        "9.3 Posting Official Test Results to NMLS Composite View {#section_b4q_wfg_mbc .section}",
        "9.4 Replacement Score Reports {#section_x1f_wfg_mbc .section}",
        "9.5 Test Content Comments and Challenges {#section_k3v_vfg_mbc .section}",
        "For concerns regarding unscored or pre-test questions: {#section_i3m_dhg_wbc .section}",
        "For concerns regarding test scores: {#section_zwm_ngg_wbc .section}",
        "NMLS Test Content Challenge Submission Form {#section_ubm_jgg_wbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_results-1.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_results-1.md:chunk-2",
      "title": "9.0 Test and Survey Results {#mlo_testing_hbk_results .concept}",
      "content": "20 days of test date to NMLS Online Testing Support Team \\(NMLStest@csbs.org\\)\n-   include specific details regarding the test question\\(s\\) of concern including but not limited to the subject matter of the question, the way in which the question requires revision, and other identifying details\n-   include the question number \\(if you know it\\)\n\nNMLS:\n\n-   will not, for test security reasons, release any test questions and/or answers\n-   will provide a written response within 20 business days of receipt of correspondence\n\n**Note:** Incomplete information, non-specific questions\\(s\\), and/or requests for score reviews will not be considered.\n\n## For concerns regarding unscored or pre-test questions: \n\nSee 1.2 Test Specifications\n\n## For concerns regarding test scores: \n\nAll tests are scored twice, initially at the time of test completion and again prior to posting in NMLS. Do not use this form to challenge a test score. See 9.2 Score Reporting for additional information.\n\n## NMLS Test Content Challenge Submission Form \n\n1.  Complete all fields below\n2.  Send to NMLS Online Testing Support Team \\(NMLStest@csbs.org\\)\n\n    **Note:** Incomplete information, non-specific questions\\(s\\), and/or requests for score reviews will not be considered.\n\n\n\nCANDIDATE INFORMATION\n\n\n\nFull Name:\n\n\n\nNMLS ID\\#:\n\n\n\nTelephone number:\n\n\n\nMailing address:\n\n\n\nEmail address:\n\n \\(note this is the email address where NMLS will send the response\\)\n\n\n\nTEST INFORMATION\n\n\n\nDate test was taken:\n\n\n\nTest location:\n\n\n\nDescribe your specific test question/concern or other specific test deficiency \\(note: this form is not to challenge a test score\\):\n\n\n\n\n**Parent topic:**MLO Testing Handbook",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_results-1.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_results-1.md",
      "headings": [
        "9.0 Test and Survey Results {#mlo_testing_hbk_results .concept}",
        "9.1 Exit Survey {#section_ix5_xfg_mbc .section}",
        "9.2 Score Reporting {#section_aml_xfg_mbc .section}",
        "9.2.1 Equating of Test Scores {#section_njz_wfg_mbc .section}",
        "9.3 Posting Official Test Results to NMLS Composite View {#section_b4q_wfg_mbc .section}",
        "9.4 Replacement Score Reports {#section_x1f_wfg_mbc .section}",
        "9.5 Test Content Comments and Challenges {#section_k3v_vfg_mbc .section}",
        "For concerns regarding unscored or pre-test questions: {#section_i3m_dhg_wbc .section}",
        "For concerns regarding test scores: {#section_zwm_ngg_wbc .section}",
        "NMLS Test Content Challenge Submission Form {#section_ubm_jgg_wbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_results-1.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_results.md:chunk-0",
      "title": "9.0 Test and Survey Results {#mlo_testing_hbk_results .concept}",
      "content": "# 9.0 Test and Survey Results \n\nThis chapter outlines what happens after the SAFE MLO Test is completed, including score calculations, official test results, test score reports, and how to submit a test content challenge.\n\n## 9.1 Exit Survey \n\nUpon completion of the test, an optional exit survey is presented to gather feedback regarding the overall candidate testing experience. Participation in the survey has no bearing on the test results.\n\n## 9.2 Score Reporting \n\nBefore departing the test center, a printed score report is presented to the candidate by the TCA. The score report given at the test center is not official until the test results are posted in NMLS. A sample of the score reports received at the test center is located in Appendix C: Sample Score Report. For online proctored tests, a candidate’s official results report will be sent within three business days to the email address provided at the time of appointment scheduling. The score report includes an overall percentage score on the test, as well as a range to indicate how well the candidate performed on each section of the exam. This information is provided to help a candidate prepare for a subsequent attempt, it is not intended to provide information on the precise number of questions answered correctly in any given section, or on the test overall. For security reasons, the test and/or individual test questions are not available for review after taking the test.\n\nThe minimum passing score for all SAFE MLO tests is 75%, as mandated by the SAFE Act.\n\n## 9.2.1 Equating of Test Scores \n\nThe SAFE MLO National Test is administered using Linear on the Fly Testing \\(LOFT\\). This allows for a distinct form of the test to be given to each test taker.\n\nSince the difficulty of each form varies slightly, the candidate’s test is statistically equated to a standard form of the test. The purpose of statistical equating is to place all administrations of the test on equal ground. Equating ensures that no candidate wh",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_results.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_results.md",
      "headings": [
        "9.0 Test and Survey Results {#mlo_testing_hbk_results .concept}",
        "9.1 Exit Survey {#section_ix5_xfg_mbc .section}",
        "9.2 Score Reporting {#section_aml_xfg_mbc .section}",
        "9.2.1 Equating of Test Scores {#section_njz_wfg_mbc .section}",
        "9.3 Posting Official Test Results to NMLS Composite View {#section_b4q_wfg_mbc .section}",
        "9.4 Replacement Score Reports {#section_x1f_wfg_mbc .section}",
        "9.5 Test Content Comments and Challenges {#section_k3v_vfg_mbc .section}",
        "For concerns regarding unscored or pre-test questions: {#section_i3m_dhg_wbc .section}",
        "For concerns regarding test scores: {#section_zwm_ngg_wbc .section}",
        "NMLS Test Content Challenge Submission Form {#section_ubm_jgg_wbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_results.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_results.md:chunk-1",
      "title": "9.0 Test and Survey Results {#mlo_testing_hbk_results .concept}",
      "content": "e’s test is statistically equated to a standard form of the test. The purpose of statistical equating is to place all administrations of the test on equal ground. Equating ensures that no candidate who takes a slightly more difficult test would be at a disadvantage, or conversely, no candidate would receive an unfair advantage by taking a slightly easier test. Therefore, candidates with comparable ability will be given the same opportunity to pass the test regardless of the slight variations of difficulty of the forms of the test that are administered to them.\n\n## 9.3 Posting Official Test Results to NMLS Composite View \n\nNMLS will post the official test results for the MLO within 72 hours to the Testing Information section under the Composite View tab of NMLS. NMLS will send a notification email to the candidate and any company with access to the candidate’s record in NMLS.\n\n## 9.4 Replacement Score Reports \n\nOfficial test scores may be printed from the Composite View section of NMLS. Official test scores printed from NMLS will not provide candidates with information on their performance but will display the final result and final score. For replacement copies of an unofficial score report \\(obtained at the test center\\), that was lost or damaged, please contact the NMLS Call Center at 1-855-NMLS-123 \\(1-855-665-7123\\). Replacement copies of unofficial score reports must be emailed to the email address provide at the time you scheduled your test.\n\n## 9.5 Test Content Comments and Challenges \n\nEvery question is reviewed by a panel of experienced subject matter experts and statistically evaluated prior to appearing as a scored test question.\n\nIf you have a concern about a SPECIFIC question on your test:\n\n-   send the content challenge form, which is listed below, within 20 days of test date to NMLS Online Testing Support Team \\(NMLStest@csbs.org\\)\n-   include specific details regarding the test question\\(s\\) of concern including but not limited to the subject matter ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_results.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_results.md",
      "headings": [
        "9.0 Test and Survey Results {#mlo_testing_hbk_results .concept}",
        "9.1 Exit Survey {#section_ix5_xfg_mbc .section}",
        "9.2 Score Reporting {#section_aml_xfg_mbc .section}",
        "9.2.1 Equating of Test Scores {#section_njz_wfg_mbc .section}",
        "9.3 Posting Official Test Results to NMLS Composite View {#section_b4q_wfg_mbc .section}",
        "9.4 Replacement Score Reports {#section_x1f_wfg_mbc .section}",
        "9.5 Test Content Comments and Challenges {#section_k3v_vfg_mbc .section}",
        "For concerns regarding unscored or pre-test questions: {#section_i3m_dhg_wbc .section}",
        "For concerns regarding test scores: {#section_zwm_ngg_wbc .section}",
        "NMLS Test Content Challenge Submission Form {#section_ubm_jgg_wbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_results.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_results.md:chunk-2",
      "title": "9.0 Test and Survey Results {#mlo_testing_hbk_results .concept}",
      "content": "20 days of test date to NMLS Online Testing Support Team \\(NMLStest@csbs.org\\)\n-   include specific details regarding the test question\\(s\\) of concern including but not limited to the subject matter of the question, the way in which the question requires revision, and other identifying details\n-   include the question number \\(if you know it\\)\n\nNMLS:\n\n-   will not, for test security reasons, release any test questions and/or answers\n-   will provide a written response within 20 business days of receipt of correspondence\n\n**Note:** Incomplete information, non-specific questions\\(s\\), and/or requests for score reviews will not be considered.\n\n## For concerns regarding unscored or pre-test questions: \n\nSee 1.2 Test Specifications\n\n## For concerns regarding test scores: \n\nAll tests are scored twice, initially at the time of test completion and again prior to posting in NMLS. Do not use this form to challenge a test score. See 9.2 Score Reporting for additional information.\n\n## NMLS Test Content Challenge Submission Form \n\n1.  Complete all fields below\n2.  Send to NMLS Online Testing Support Team \\(NMLStest@csbs.org\\)\n\n    **Note:** Incomplete information, non-specific questions\\(s\\), and/or requests for score reviews will not be considered.\n\n\n\nCANDIDATE INFORMATION\n\n\n\nFull Name:\n\n\n\nNMLS ID\\#:\n\n\n\nTelephone number:\n\n\n\nMailing address:\n\n\n\nEmail address:\n\n \\(note this is the email address where NMLS will send the response\\)\n\n\n\nTEST INFORMATION\n\n\n\nDate test was taken:\n\n\n\nTest location:\n\n\n\nDescribe your specific test question/concern or other specific test deficiency \\(note: this form is not to challenge a test score\\):\n\n\n\n\n",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_results.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_results.md",
      "headings": [
        "9.0 Test and Survey Results {#mlo_testing_hbk_results .concept}",
        "9.1 Exit Survey {#section_ix5_xfg_mbc .section}",
        "9.2 Score Reporting {#section_aml_xfg_mbc .section}",
        "9.2.1 Equating of Test Scores {#section_njz_wfg_mbc .section}",
        "9.3 Posting Official Test Results to NMLS Composite View {#section_b4q_wfg_mbc .section}",
        "9.4 Replacement Score Reports {#section_x1f_wfg_mbc .section}",
        "9.5 Test Content Comments and Challenges {#section_k3v_vfg_mbc .section}",
        "For concerns regarding unscored or pre-test questions: {#section_i3m_dhg_wbc .section}",
        "For concerns regarding test scores: {#section_zwm_ngg_wbc .section}",
        "NMLS Test Content Challenge Submission Form {#section_ubm_jgg_wbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_results.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_retake.md:chunk-0",
      "title": "10.0 Retaking a Failed Test/ Waiting Period {#mlo_testing_hbk_retake .concept}",
      "content": "# 10.0 Retaking a Failed Test/ Waiting Period \n\nThis chapter details the required waiting periods between failed test attempts.\n\n## 10.1 Retaking a Failed Test / Waiting Period \n\nAs prescribed by the SAFE Mortgage Licensing Act, a waiting period is required prior to the candidate being allowed to retake a failed test.\n\nOn June 30, 2011 the US Department of Housing and Urban Development \\(HUD\\) published its final rule \\(the Rule\\) about the implementation of the SAFE Act. The Rule states that a candidate may take a SAFE MLO Test three times before being required to sit out the 180-day wait period. A candidate must request and pay for a separate test enrollment for each attempt to pass the SAFE MLO Test.\n\nThe candidate is subject to a waiting period of thirty \\(30\\) calendar days from the previous test date prior to retaking the test. After every third failed test, the candidate is subject to a waiting period of one hundred eighty \\(180\\) calendar days before he or she is able to retake the test. NMLS will allow the candidate to request and pay for a new test enrollment window immediately following the failure of a test. However, the window will not allow the candidate to reschedule the test for a date prior to the waiting period being satisfied. The Test Retake Cycle Table defines the waiting period cycle:\n\n|Test Attempt|Test Result|Retake Waiting Period|\n|:----------:|:---------:|:-------------------:|\n|Initial|Fail|30 days|\n|2nd|Fail|30 days|\n|3rd|Fail|180 days|\n|Initial \\(New retake cycle starts\\)|Fail|30 days|\n|2nd|Fail|30 days|\n|3rd|Fail|180 days|\n|Initial \\(New retake cycle repeats the previous cycles\\)|\n\n**Note:** Candidates who pass the test are not permitted to retake the test again.\n\n**Parent topic:**MLO Testing Handbook",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_retake.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_retake.md",
      "headings": [
        "10.0 Retaking a Failed Test/ Waiting Period {#mlo_testing_hbk_retake .concept}",
        "10.1 Retaking a Failed Test / Waiting Period {#section_yyn_sfg_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_retake.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_rulesOfConduct.md:chunk-0",
      "title": "Rules of Conduct for Test Takers {#xd_e222e7fa28421aa9--1aaa0fe5-19021998458--7ffb .concept}",
      "content": "# Rules of Conduct for Test Takers \n\n## Note to Candidates: \n\n-   **Please read each of the following eleven \\(11\\) rules**\n-   **ANY alleged violation of a rule could trigger an investigation**\n-   **Test center personnel are NOT authorized to grant exceptions to any of these rules**\n-   **You must acknowledge your understanding prior to starting your SAFE MLO Test**\n\n## ASSISTANCE \n\n1.  I am attesting that I am the person I represent to be for this session.\n2.  I must not take or attempt to take any personal items including, but not limited to, notes, formulas, study materials, or electronic devices into the testing room.\n    1.  If at a testing center, I will place all personal belongings in the locker provided by the testing center personnel prior to entering the testing room.\n    2.  If testing remotely, I understand that no other person is allowed to enter the room while I am taking the test.\n3.  I must not receive or attempt to receive any form of assistance during the test or restroom breaks.\n4.  I must not give or attempt to give any form of assistance during the test or restroom breaks.\n5.  I must not use or attempt to use a telephone, cellular phone, pager, hand held computer, headphones, ear buds or other device, electronic or otherwise, during the test or restroom breaks. I may use a calculator if provided to me by the test center or testing software.\n    1.  If there is evidence that I used a cell phone or any other electronic device during my test, I understand that I may be suspended or banned from testing.\n\n## BREAK POLICY / PERSONAL BELONGINGS \n\n1.  I must only go to the restroom when on a break. I must not deviate during my travels to and from the restroom for any reason. I must not leave the building. I must not access my personal belongings during my break. Personal belongings include, but are not limited to: car keys, food, beverages, cigarettes, outerwear, notes, study materials, cellular phones or any electronic devices.\n    1.  f at a testin",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_rulesOfConduct.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_rulesOfConduct.md",
      "headings": [
        "Rules of Conduct for Test Takers {#xd_e222e7fa28421aa9--1aaa0fe5-19021998458--7ffb .concept}",
        "Note to Candidates: {#section_rd1_x4s_tbc .section}",
        "ASSISTANCE {#section_hkj_bps_tbc .section}",
        "BREAK POLICY / PERSONAL BELONGINGS {#section_s4m_y4s_tbc .section}",
        "TEST CONFIDENTIALITY {#section_ymv_x4s_tbc .section}",
        "BEHAVIOR / CONDUCT {#section_j12_x4s_tbc .section}",
        "POSSIBLE CONSEQUENCES OF ROC VIOLATIONS {#section_prl_kps_tbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_rulesOfConduct.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_rulesOfConduct.md:chunk-1",
      "title": "Rules of Conduct for Test Takers {#xd_e222e7fa28421aa9--1aaa0fe5-19021998458--7ffb .concept}",
      "content": "y break. Personal belongings include, but are not limited to: car keys, food, beverages, cigarettes, outerwear, notes, study materials, cellular phones or any electronic devices.\n    1.  f at a testing center, I must not access my locker.\n\n## TEST CONFIDENTIALITY \n\n1.  I must not remove or attempt to remove any written, printed, or recorded materials from the test center other than the score report provided by the center staff. The test materials remain the property of NMLS and/or developing organization\\(s\\), and I shall maintain the confidentiality of the materials, including the questions and my answers to them.\n2.  I will not share the content of the test with anyone including but not limited to colleagues, course instructors, or anyone other than persons authorized by NMLS. I agree that I must not share or receive test content, including test questions and answers via any mode of communication including but not limited to in-person, online, chat messaging apps or social media. I must not allow any other person to record or memorialize any test content or information.\n\n## BEHAVIOR / CONDUCT \n\n1.  I must not engage in any conduct that is disruptive, threatening or abusive to testing personnel. I must not engage in any conduct that creates a disturbance or interferes with the administration of the test.\n    1.  If at a testing center, I must not engage in any conduct that creates a disturbance or interferes with the administration of other candidates’ tests.\n2.  I must not engage in any conduct that would be contrary to good character or reputation, or engage in any behavior that would cause the public to believe that I would not operate in the mortgage loan business lawfully, honestly or fairly.\n3.  I must not engage in any conduct that is dishonest or fraudulent, or would adversely impact the integrity of the test or the test procedure.\n\n## POSSIBLE CONSEQUENCES OF ROC VIOLATIONS \n\nI understand that testing representatives or others will report any alleged viola",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_rulesOfConduct.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_rulesOfConduct.md",
      "headings": [
        "Rules of Conduct for Test Takers {#xd_e222e7fa28421aa9--1aaa0fe5-19021998458--7ffb .concept}",
        "Note to Candidates: {#section_rd1_x4s_tbc .section}",
        "ASSISTANCE {#section_hkj_bps_tbc .section}",
        "BREAK POLICY / PERSONAL BELONGINGS {#section_s4m_y4s_tbc .section}",
        "TEST CONFIDENTIALITY {#section_ymv_x4s_tbc .section}",
        "BEHAVIOR / CONDUCT {#section_j12_x4s_tbc .section}",
        "POSSIBLE CONSEQUENCES OF ROC VIOLATIONS {#section_prl_kps_tbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_rulesOfConduct.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_rulesOfConduct.md:chunk-2",
      "title": "Rules of Conduct for Test Takers {#xd_e222e7fa28421aa9--1aaa0fe5-19021998458--7ffb .concept}",
      "content": " would adversely impact the integrity of the test or the test procedure.\n\n## POSSIBLE CONSEQUENCES OF ROC VIOLATIONS \n\nI understand that testing representatives or others will report any alleged violations to the NMLS and that NMLS may report alleged violations to the state\\(s\\) in which I am seeking licensure, or any other states. I further understand that the results of any investigation into my alleged violations may be reported to the state\\(s\\) in which I am seeking licensure, or any other states. At its discretion, NMLS may publicize the determination and the sanction of any investigation on the NMLS Resource Center or through other reasonable means of communication. Reports of alleged violations or results of investigations into alleged violations may subject me to disciplinary action by the state\\(s\\), including denial or revocation of my license\\(s\\). In addition, disciplinary action may include the denial of a pending license application.\n\n**Parent topic:**7.0 Test Day",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_rulesOfConduct.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_rulesOfConduct.md",
      "headings": [
        "Rules of Conduct for Test Takers {#xd_e222e7fa28421aa9--1aaa0fe5-19021998458--7ffb .concept}",
        "Note to Candidates: {#section_rd1_x4s_tbc .section}",
        "ASSISTANCE {#section_hkj_bps_tbc .section}",
        "BREAK POLICY / PERSONAL BELONGINGS {#section_s4m_y4s_tbc .section}",
        "TEST CONFIDENTIALITY {#section_ymv_x4s_tbc .section}",
        "BEHAVIOR / CONDUCT {#section_j12_x4s_tbc .section}",
        "POSSIBLE CONSEQUENCES OF ROC VIOLATIONS {#section_prl_kps_tbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_rulesOfConduct.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_sample.md:chunk-0",
      "title": "Appendix B: Sample Test Questions {#mlo_testing_hbk_sample .concept}",
      "content": "# Appendix B: Sample Test Questions \n\nThis section of the Appendix contains ten \\(10\\) sample questions to help prepare for the MLO tests. These questions are similar to those that may be included on the National Test. The answers to the questions are located in the table at the end of this section.\n\n## Sample Test Questions \n\n**Note:** The purpose of these sample questions is to allow candidates to see the types of questions on the SAFE MLO tests. They are not intended to be a study guide or fully prepare a candidate for passing the SAFE MLO test.\n\n1.  Included in the Loan Estimate, all of the following are part of the finance charge except the:\n    1.  appraisal cost.\n    2.  VA funding fee.\n    3.  per diem interest.\n    4.  origination charges.\n2.  A buyer has made an earnest money payment of $5,000. The buyer pays an additional $2,000 in option money to be credited at closing on a property with a sale price of $160,000. If the required down payment is 20%, how much additional money will the buyer need to provide toward the down payment at closing?\n    1.  $25,000\n    2.  $27,000\n    3.  $30,000\n    4.  $32,000\n3.  If an applicant works 40 hours every week and is paid $13.52 per hour, what is the applicant’s monthly income?\n    1.  $2,163.20\n    2.  $2,343.47\n    3.  $2,379.52\n    4.  $2,487.68\n4.  The requirement for private mortgage insurance \\(PMI\\) is generally discontinued when the loan-to- value ratio falls below:\n    1.  20%.\n    2.  50%.\n    3.  80%.\n    4.  90%.\n5.  The unique identifier of any person originating residential loan must be clearly shown on all of the following documents except:\n    1.  business cards.\n    2.  company websites.\n    3.  residential mortgage loan application form.\n    4.  Consumer Financial Protection Bureau \\(CFPB\\) special information booklet.\n6.  According to the Truth-in-Lending Act \\(TILA\\), the term “refinance” applies to:\n    1.  a reduction in APR.\n    2.  a change in a payment schedule.\n    3.  the renewal of a sing",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_sample.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_sample.md",
      "headings": [
        "Appendix B: Sample Test Questions {#mlo_testing_hbk_sample .concept}",
        "Sample Test Questions {#section_ovc_chm_ybc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_sample.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_sample.md:chunk-1",
      "title": "Appendix B: Sample Test Questions {#mlo_testing_hbk_sample .concept}",
      "content": "ormation booklet.\n6.  According to the Truth-in-Lending Act \\(TILA\\), the term “refinance” applies to:\n    1.  a reduction in APR.\n    2.  a change in a payment schedule.\n    3.  the renewal of a single payment obligation with no change in the original terms.\n    4.  the satisfaction of an existing obligation and its replacement by a new obligation.\n7.  Which of the following documents does a mortgage loan originator use to determine the estimated value of a property based on an analytical comparison of similar property sales?\n    1.  An appraisal\n    2.  An area survey\n    3.  A market survey\n    4.  A cost-benefit analysis\n8.  According to the Equal Credit Opportunity Act \\(ECOA\\), age discrimination by a mortgage lender is acceptable:\n    1.  not under any circumstance.\n    2.  only if the applicant is too young to enter into a legally binding contract.\n    3.  only if life expectancy data indicates an applicant will not be alive at the end of the loan term.\n    4.  only if the applicant is too young or too old to understand the ramifications of defaulting on a legal debt.\n9.  When a client’s property is being appraised, a loan underwriter may take all of the following actions except:\n    1.  request a second review of the appraisal.\n    2.  ask the appraiser to consider additional property information.\n    3.  ask the appraiser to correct an incidental error on the appraisal.\n    4.  inform the appraiser that the appraised value is contingent on the client’s retention of the principal dwelling.\n10. According to the Truth-in-Lending Act \\(TILA\\), which of the following fees is excluded from the calculation of the APR?\n    1.  Wire transfer\n    2.  Prepaid interest\n    3.  Hazard insurance\n    4.  Mortgage insurance premiums\n\n|Question Number|Correct Answer|Reference|\n|:-------------:|:------------:|---------|\n|1|A||\n|2|A|$160,000 \\(sale price\\) x .20 \\(down payment percentage\\) = $32,000; $32,000 - \\[$5,000 \\(earnest money\\) + $2,000 \\(option money\\)\\] = $25,000|",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_sample.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_sample.md",
      "headings": [
        "Appendix B: Sample Test Questions {#mlo_testing_hbk_sample .concept}",
        "Sample Test Questions {#section_ovc_chm_ybc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_sample.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_sample.md:chunk-2",
      "title": "Appendix B: Sample Test Questions {#mlo_testing_hbk_sample .concept}",
      "content": "\n|:-------------:|:------------:|---------|\n|1|A||\n|2|A|$160,000 \\(sale price\\) x .20 \\(down payment percentage\\) = $32,000; $32,000 - \\[$5,000 \\(earnest money\\) + $2,000 \\(option money\\)\\] = $25,000|\n|3|B|40 hours per week x $13.52 per hour = $540.80 \\(weekly income\\); $540.80 x 52 weeks per year = $28,121.60 \\(yearly income\\); $28,121.60 / 12 months = $2343.47 \\(monthly income\\)|\n|4|C||\n|5|D||\n|6|D||\n|7|A||\n|8|B||\n|9|D||\n|10|C||\n\n**Parent topic:**MLO Testing Handbook",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_sample.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_sample.md",
      "headings": [
        "Appendix B: Sample Test Questions {#mlo_testing_hbk_sample .concept}",
        "Sample Test Questions {#section_ovc_chm_ybc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_sample.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_samplescore.md:chunk-0",
      "title": "Appendix C: Sample Score Report {#mlo_testing_hbk_samplescore .concept}",
      "content": "# Appendix C: Sample Score Report \n\n## Sample Unofficial Score Report \n\nSAFE MLO Test – National Component with Uniform State Content\n\n\n\nName:\n\n\n\nJohn Smith\n\n\n\nID:\n\n\n\n285750\n\n\n\nTest Center:\n\n\n\n3512 BETHESDA\n\n\n\nDate:\n\n\n\n04/09/2021\n\n\n## TEST SCORE \n\nResult: Fail Score: 53%\n\n|\\#|Content Area|Performance|\n|:---:|------------|-----------|\n|1|Federal Mortgage-related Laws|Very Low Performance|\n|2|Uniform State Content|Low Performance|\n|3|General Mortgage Knowledge|Borderline Performance|\n|4|Mortgage Loan Origination Activities|Adequate Performance|\n|5|Ethics|High Performance|\n\nThe section analysis above is to inform you of the section\\(s\\) of the content outline that may require further study.\n\nVery Low Performance\n:   Your performance in this area is well below the performance of most candidates passing this test.\n\nLow Performance\n:   Your performance in this area is below the performance of most candidates passing this test.\n\nBorderline Performance\n:   Your performance in this area is close to the performance of most candidates passing this test.\n\nAdequate Performance\n:   Your performance in this area is at or above the performance of most candidates passing this test.\n\nHigh Performance\n:   Your performance in this area is well above the performance of most candidates passing this test.\n\nThe SAFE MLO test is designed to evaluate overall knowledge of mortgage loan origination activities, laws, and regulations. While the score equating process ensures that all candidates are held to the same overall passing standard, individual sections may vary in difficulty from one test form to another. NMLS therefore recommends that candidates study all content areas in preparation for any subsequent attempt to pass the SAFE MLO test.\n\nFor more information, see the MLO Testing Handbook on the NMLS Resource Center.\n\n**Parent topic:**MLO Testing Handbook",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_samplescore.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_samplescore.md",
      "headings": [
        "Appendix C: Sample Score Report {#mlo_testing_hbk_samplescore .concept}",
        "Sample Unofficial Score Report {#section_akt_rjg_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_samplescore.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_schedtest.md:chunk-0",
      "title": "3.0 Schedule a Test Appointment {#mlo_testing_hbk_schedtest .concept}",
      "content": "# 3.0 Schedule a Test Appointment \n\nThis chapter details how companies and individuals can schedule the SAFE MLO Test at a Test Center and via Online Proctored Testing.\n\n## 3.1 Schedule an Appointment at a Test Center \n\nTest appointments at a testing center can be scheduled in NMLS or by contacting Prometric at 1-877-671-6657, Monday–Friday, 8 AM–8 PM, Eastern Time.\n\nScheduling is available 24 hours a day, 7 days a week, and can be made in NMLS or by visiting the Prometric Site Website. The SAFE MLO Test is administered only at Prometric test centers in the United States, Puerto Rico, and the US Virgin Islands.\n\nIf scheduling an appointment directly with Prometric, a candidate or company must have the following:\n\n-   Candidate’s legal first and last name \\(**as it appears on the NMLS account**\\), address, and daytime telephone number\n-   Candidate’s NMLS Individual ID \\(assigned when account is created on NMLS\\)\n\n**Note:** Candidates requiring a testing accommodation\\(s\\) for their test at a center location must obtain approval from NMLS prior to the scheduling of a test. For further information, please see 5.0 Testing Accommodations.\n\n## 3.1.1 Group Appointments at a Test Center \n\nIf a company has several mortgage loan originators who need to take the test at a test center, a company representative may use the bulk reservation tools provided by Prometric. The group appointment tool is not available for individual use. A group appointment is defined as five or more candidates scheduled to take the SAFE MLO test for the same company, on the same date, at the same test center location. Test enrollment is required before an appointment can be scheduled. Candidates’ names and NMLS Individual ID numbers that are provided in the group appointment request must be the same as they appear in their NMLS accounts. Test cannot be scheduled until ALL individuals have accepted the Candidate Agreement.\n\nAdvanced bookings and holding are permitted under the condition that valid enr",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_schedtest.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_schedtest.md",
      "headings": [
        "3.0 Schedule a Test Appointment {#mlo_testing_hbk_schedtest .concept}",
        "3.1 Schedule an Appointment at a Test Center {#section_pxb_5cg_mbc .section}",
        "3.1.1 Group Appointments at a Test Center {#section_pcy_wcg_mbc .section}",
        "3.2 Schedule an Appointment to Test via Online Proctored Testing \\(OPT\\) {#section_wqn_wcg_mbc .section}",
        "3.3 Holiday Schedule {#section_khz_vcg_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_schedtest.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_schedtest.md:chunk-1",
      "title": "3.0 Schedule a Test Appointment {#mlo_testing_hbk_schedtest .concept}",
      "content": "hey appear in their NMLS accounts. Test cannot be scheduled until ALL individuals have accepted the Candidate Agreement.\n\nAdvanced bookings and holding are permitted under the condition that valid enrollments match seat holders, there are no exceptions to this requirement. Please check with Prometric regarding their specific deadlines for seat release.\n\nVisit the Prometric Site Website for information on how to schedule Group Appointments for the selected location. To reserve a group appointment, be prepared to provide the company NMLS ID, the requested number of seats, the preferred testing date and the preferred test center location.\n\n## 3.2 Schedule an Appointment to Test via Online Proctored Testing \\(OPT\\) \n\n**Note:** Effective October 1 2024, Online Proctored Testing \\(OPT\\) is only available to candidates who qualify for Testing Accommodations as defined by the Americans with Disabilities Act \\(ADA\\). Instructions on how to request Testing Accommodations can be found in Section **5.0 Testing Accommodations** of the MLO Handbook.\n\n## 3.3 Holiday Schedule \n\nThe following holidays will be observed by all test centers and online proctored tests:\n\n-   New Year's Day\n-   Memorial Day\n-   Independence Day\n-   Labor Day\n-   Thanksgiving Day\n-   Christmas Day\n\nAs particular test center locations may observe other state or local holidays, such dates will not be available for selection when scheduling a test at those centers.\n\n**Parent topic:**MLO Testing Handbook",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_schedtest.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_schedtest.md",
      "headings": [
        "3.0 Schedule a Test Appointment {#mlo_testing_hbk_schedtest .concept}",
        "3.1 Schedule an Appointment at a Test Center {#section_pxb_5cg_mbc .section}",
        "3.1.1 Group Appointments at a Test Center {#section_pcy_wcg_mbc .section}",
        "3.2 Schedule an Appointment to Test via Online Proctored Testing \\(OPT\\) {#section_wqn_wcg_mbc .section}",
        "3.3 Holiday Schedule {#section_khz_vcg_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_schedtest.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_testAccommodation-1.md:chunk-0",
      "title": "5.0 Testing Accommodations {#mlo_testing_hbk_5 .concept}",
      "content": "# 5.0 Testing Accommodations \n\nThis chapter outlines how SAFE MLO Test candidates can request testing accommodations.\n\n## 5.1 Request an Accommodation \n\n**Note:** Effective October 1 2024, Online Proctored Testing \\(OPT\\) is only available to candidates who qualify for Testing Accommodations as defined by the Americans with Disabilities Act \\(ADA\\).\n\nIn compliance with the provisions of the Americans with Disabilities Act \\(ADA\\), reasonble testing accommodations with modificationsand aids will be provided to candidates with documented disabilities. Testing accommodations are currently only available for appointments delivered at a test center.\n\nTo apply for reasonable testing accommodations at a test center, the company or candidate must submit the following two forms to the Testing Accommodations team:\n\n1. Testing Accommodations Eligibility Questionnaire\n:   This form must be submitted each time a new Testing Accommodation request is made.\n\n2. Testing Accommodations Verification Request Form\n:   This form resides and must be submitted for all initial accommodation requests, and resubmitted if any previously unrequested accommodations are being requested, or a different \\(new\\) disability is to be considered.\n\nCandidates must submit the required form\\(s\\) to the Testing Accommodations team at the address listed on the form\\(s\\) and receive accommodation approval PRIOR to scheduling their test.\n\nAdditional information, such as clinical diagnostic data, may be requested in order to clarify the nature of the disability and the testing need. Data should be no more than five years old and must confirm the diagnosis of the disability. Documentation must also establish the candidate’s current functioning and need for a reasonable testing accommodation.\n\nThe candidate is responsible for the cost of providing the documentation of the disability; however, there is no cost to the candidate for any modifications or auxiliary aids or services during or associated with the test ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_testAccommodation-1.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_testAccommodation-1.md",
      "headings": [
        "5.0 Testing Accommodations {#mlo_testing_hbk_5 .concept}",
        "5.1 Request an Accommodation {#section_nrp_jfg_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_testAccommodation-1.html",
      "snippet": null
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    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_testAccommodation-1.md:chunk-1",
      "title": "5.0 Testing Accommodations {#mlo_testing_hbk_5 .concept}",
      "content": "nsible for the cost of providing the documentation of the disability; however, there is no cost to the candidate for any modifications or auxiliary aids or services during or associated with the test administration.\n\n**Note:** All documentation and forms submitted are confidential and will not be returned after submission to NMLS. Information contained in these documents will be used solely for the determination of testing accommodations.\n\nThe Testing Accommodations team works closely with Prometric to ensure proper compliance in providing any approved reasonable testing accommodation. All reasonable efforts will be made to render a decision on accommodation requests within five \\(5\\) business days.\n\nA reasonable testing accommodation and/or modification may include, but is not limited to:\n\n-   additional testing time\n-   a reader or recorder\n-   a large print test booklet\n-   a paper and pencil test\n-   special equipment\n-   modified facilities\n\nOnce NMLS has made a decision, the candidate is sent a written confirmation of the approval or denial of the request. If additional documentation is required, the request will remain in a pending status for a period of thirty \\(30\\) days. If required documentation is not provided within the thirty-day period, the candidate must reapply.\n\nFor questions regarding the Testing Accommodations process contact the Testing Accommodations team at 877-416-6657, option \\#2.\n\n**Parent topic:**MLO Testing Handbook",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_testAccommodation-1.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_testAccommodation-1.md",
      "headings": [
        "5.0 Testing Accommodations {#mlo_testing_hbk_5 .concept}",
        "5.1 Request an Accommodation {#section_nrp_jfg_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_testAccommodation-1.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_testAccommodation.md:chunk-0",
      "title": "5.0 Testing Accommodations {#mlo_testing_hbk_5 .concept}",
      "content": "# 5.0 Testing Accommodations \n\nThis chapter outlines how SAFE MLO Test candidates can request testing accommodations.\n\n## 5.1 Request an Accommodation \n\n**Note:** Effective October 1 2024, Online Proctored Testing \\(OPT\\) is only available to candidates who qualify for Testing Accommodations as defined by the Americans with Disabilities Act \\(ADA\\).\n\nIn compliance with the provisions of the Americans with Disabilities Act \\(ADA\\), reasonble testing accommodations with modificationsand aids will be provided to candidates with documented disabilities. Testing accommodations are currently only available for appointments delivered at a test center.\n\nTo apply for reasonable testing accommodations at a test center, the company or candidate must submit the following two forms to the Testing Accommodations team:\n\n1. Testing Accommodations Eligibility Questionnaire\n:   This form must be submitted each time a new Testing Accommodation request is made.\n\n2. Testing Accommodations Verification Request Form\n:   This form resides and must be submitted for all initial accommodation requests, and resubmitted if any previously unrequested accommodations are being requested, or a different \\(new\\) disability is to be considered.\n\nCandidates must submit the required form\\(s\\) to the Testing Accommodations team at the address listed on the form\\(s\\) and receive accommodation approval PRIOR to scheduling their test.\n\nAdditional information, such as clinical diagnostic data, may be requested in order to clarify the nature of the disability and the testing need. Data should be no more than five years old and must confirm the diagnosis of the disability. Documentation must also establish the candidate’s current functioning and need for a reasonable testing accommodation.\n\nThe candidate is responsible for the cost of providing the documentation of the disability; however, there is no cost to the candidate for any modifications or auxiliary aids or services during or associated with the test ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_testAccommodation.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_testAccommodation.md",
      "headings": [
        "5.0 Testing Accommodations {#mlo_testing_hbk_5 .concept}",
        "5.1 Request an Accommodation {#section_nrp_jfg_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_testAccommodation.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_testAccommodation.md:chunk-1",
      "title": "5.0 Testing Accommodations {#mlo_testing_hbk_5 .concept}",
      "content": "nsible for the cost of providing the documentation of the disability; however, there is no cost to the candidate for any modifications or auxiliary aids or services during or associated with the test administration.\n\n**Note:** All documentation and forms submitted are confidential and will not be returned after submission to NMLS. Information contained in these documents will be used solely for the determination of testing accommodations.\n\nThe Testing Accommodations team works closely with Prometric to ensure proper compliance in providing any approved reasonable testing accommodation. All reasonable efforts will be made to render a decision on accommodation requests within five \\(5\\) business days.\n\nA reasonable testing accommodation and/or modification may include, but is not limited to:\n\n-   additional testing time\n-   a reader or recorder\n-   a large print test booklet\n-   a paper and pencil test\n-   special equipment\n-   modified facilities\n\nOnce NMLS has made a decision, the candidate is sent a written confirmation of the approval or denial of the request. If additional documentation is required, the request will remain in a pending status for a period of thirty \\(30\\) days. If required documentation is not provided within the thirty-day period, the candidate must reapply.\n\nFor questions regarding the Testing Accommodations process contact the Testing Accommodations team at 877-416-6657, option \\#2.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_testAccommodation.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_testAccommodation.md",
      "headings": [
        "5.0 Testing Accommodations {#mlo_testing_hbk_5 .concept}",
        "5.1 Request an Accommodation {#section_nrp_jfg_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_testAccommodation.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_testoverview.md:chunk-0",
      "title": "2.0 Test Enrollment Procedures \\(NMLS\\) {#mlo_testing_hbk_testoverview .concept}",
      "content": "# 2.0 Test Enrollment Procedures \\(NMLS\\) \n\nThis chapter details how individuals can register and pay for the SAFE MLO Test.\n\n## 2.1 Overview of Testing Process \n\nTo take an MLO test, an individual must:\n\n1.  Have or create an account in NMLS.\n\n    All individuals seeking an MLO license are required to have or create an account in NMLS prior to enrolling for a test. Click Request an Individual NMLS Account for instructions on how to create an account in NMLS.\n\n2.  Create and pay for a test enrollment window for the SAFE MLO test in NMLS.\n\n    A test enrollment window may be paid for by the individual directly or by any company with access to the individual's NMLS record. For more information on how to create a test enrollment window, click Individual Test Enrollments or Company Test Enrollments for Individual.\n\n3.  Accept the Candidate Test Security and Confidentiality Agreement \\(Candidate Agreement\\).\n\n    All test candidates are required to accept the Candidate Agreement prior to scheduling each SAFE MLO Test. If the Candidate Agreement is not accepted, the candidate will not be able to schedule or take any test. To view the Candidate Agreement, please click Candidate Agreement\n\n4.  Schedule an appointment with Prometric.\n\n    A test center appointment can be scheduled online or by telephone. Tests are administered at nearly three hundred locations in the United States, Puerto Rico, and the US. Virgin Islands operated by Prometric.\n\n5.  Arrive at the test center.\n\n    Individuals should arrive or log in thirty \\(30\\) minutes prior to the scheduled appointment with a current \\(non-expired\\) government-issued identification that includes the candidate’s photo and signature.\n\n    **Note:** While the SAFE Act does not require MLOs to complete their pre-licensure education prior to scheduling and taking a test, pre-licensure education classes can be helpful. Access the NMLS Approved Course Provider List for more information regarding approved course providers and clas",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_testoverview.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_testoverview.md",
      "headings": [
        "2.0 Test Enrollment Procedures \\(NMLS\\) {#mlo_testing_hbk_testoverview .concept}",
        "2.1 Overview of Testing Process {#section_thy_4bg_mbc .section}",
        "2.2 Create an NMLS User Account {#section_j13_pbg_mbc .section}",
        "2.3 Test Enrollment\\*\\* {#section_ydn_qbg_mbc .section}",
        "2.4 Candidate Agreement {#section_s12_qbg_mbc .section}",
        "2.5 Test Fees {#section_pb1_qbg_mbc .section}",
        "2.6 Test Enrollment Windows {#section_mqp_pbg_mbc .section}",
        "2.7 Contact Information {#section_nm5_pbg_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_testoverview.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_testoverview.md:chunk-1",
      "title": "2.0 Test Enrollment Procedures \\(NMLS\\) {#mlo_testing_hbk_testoverview .concept}",
      "content": "n prior to scheduling and taking a test, pre-licensure education classes can be helpful. Access the NMLS Approved Course Provider List for more information regarding approved course providers and classes.\n\n## 2.2 Create an NMLS User Account \n\nAn MLO must have or establish an individual NMLS user account before a test enrollment window can be created. Click Request an Individual NMLS Account for step-by-step instructions on creating an individual account in NMLS.\n\nThe email address provided when creating the NMLS user account is used by NMLS to send test enrollment and test result notifications to the individual.\n\n## 2.3 Test Enrollment\\*\\* \n\nPrior to scheduling an appointment to take the SAFE MLO National test, a test enrollment window must be created and paid for in NMLS. Test enrollments windows can be created by an individual MLO directly or by any company with access to the MLO’s NMLS record.\n\nThe Test Enrollment functions can be found under the MLO Testing & Education tab in NMLS. Click NMLS Login Page to access the login page for NMLS.\n\nCompany users have two options to assist with test enrollment for their MLOs. Individuals can click Individual Test Enrollments to access instructions to complete the test enrollment process.\n\nCompanies can select multiple MLOs for test enrollment. Prior to submission of test enrollment requests, the requester is required to pay all associated test fees through NMLS. Company users can click Company Test Enrollments for Individual for the Company test enrollment process. Candidates will also be required to accept the Candidate Agreement prior to scheduling their test with Prometric.\n\n## 2.4 Candidate Agreement \n\nAll test candidates are required to accept the Candidate Agreement prior to scheduling any SAFE MLO Test. If the Candidate Agreement is not accepted, the candidate will not be able to schedule or take any test. To view the Candidate Agreement, please click Candidate Agreement.\n\n## 2.5 Test Fees \n\nPayments are NOT accepte",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_testoverview.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_testoverview.md",
      "headings": [
        "2.0 Test Enrollment Procedures \\(NMLS\\) {#mlo_testing_hbk_testoverview .concept}",
        "2.1 Overview of Testing Process {#section_thy_4bg_mbc .section}",
        "2.2 Create an NMLS User Account {#section_j13_pbg_mbc .section}",
        "2.3 Test Enrollment\\*\\* {#section_ydn_qbg_mbc .section}",
        "2.4 Candidate Agreement {#section_s12_qbg_mbc .section}",
        "2.5 Test Fees {#section_pb1_qbg_mbc .section}",
        "2.6 Test Enrollment Windows {#section_mqp_pbg_mbc .section}",
        "2.7 Contact Information {#section_nm5_pbg_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_testoverview.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_testoverview.md:chunk-2",
      "title": "2.0 Test Enrollment Procedures \\(NMLS\\) {#mlo_testing_hbk_testoverview .concept}",
      "content": " Agreement is not accepted, the candidate will not be able to schedule or take any test. To view the Candidate Agreement, please click Candidate Agreement.\n\n## 2.5 Test Fees \n\nPayments are NOT accepted at the test center. Test fees must be paid in NMLS when creating a test enrollment window. The current test fee is $110.\n\nTest enrollment fees are non-refundable and non-transferable. If a test enrollment window is closed for any reason prior to the candidate taking the related test, a new test enrollment window must be created and paid for prior to the candidate scheduling and taking the test.\n\n**Note:** Test enrollment fees are non-refundable and non-transferable.\n\n## 2.6 Test Enrollment Windows \n\nOnce a test enrollment request and payment have been submitted and processed by NMLS, a 180-day test enrollment window is opened. During this 180-day period, the test candidate is required to accept the Candidate Agreement, schedule and take the test. Failure to accept the Candidate Agreement and/or take the test within 180-days will result in the test enrollment window closing.\n\nIn most circumstances, the enrollment window will open with a start-date on the date the test was paid for in NMLS. However, in certain instances, the start-date of the enrollment window may be a future date. See 10.0 Retaking a Failed Test/ Waiting Period for information on the waiting period.\n\n## 2.7 Contact Information \n\nFor questions concerning NMLS and tests being administered, please contact the NMLS Call Center at 1-855-NMLS-123 \\(1-855-665-7123\\).\n\nFor information on the SAFE Mortgage Licensing Act, visit the NMLS Resource Center.\n\n-   **Request an Individual NMLS Account**  \nIf you are a Mortgage Loan Originator, Control Person, Qualifying Individual, or Branch Manager, you need an NMLS Account to create and attest to your record in NMLS.\n-   **Viewing Your NMLS ID**  \nFor Individuals with an existing NMLS account, follow these steps to view your NMLS ID.\n-   **Individual Test Enrollments",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_testoverview.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_testoverview.md",
      "headings": [
        "2.0 Test Enrollment Procedures \\(NMLS\\) {#mlo_testing_hbk_testoverview .concept}",
        "2.1 Overview of Testing Process {#section_thy_4bg_mbc .section}",
        "2.2 Create an NMLS User Account {#section_j13_pbg_mbc .section}",
        "2.3 Test Enrollment\\*\\* {#section_ydn_qbg_mbc .section}",
        "2.4 Candidate Agreement {#section_s12_qbg_mbc .section}",
        "2.5 Test Fees {#section_pb1_qbg_mbc .section}",
        "2.6 Test Enrollment Windows {#section_mqp_pbg_mbc .section}",
        "2.7 Contact Information {#section_nm5_pbg_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_testoverview.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_testoverview.md:chunk-3",
      "title": "2.0 Test Enrollment Procedures \\(NMLS\\) {#mlo_testing_hbk_testoverview .concept}",
      "content": "nt to create and attest to your record in NMLS.\n-   **Viewing Your NMLS ID**  \nFor Individuals with an existing NMLS account, follow these steps to view your NMLS ID.\n-   **Individual Test Enrollments**  \nOnce a SAFE test is paid for, the individual will have 180 days to schedule the testing appointment and take the test.\n-   **Company Test Enrollments for Individual**  \nPrior to scheduling an appointment to take a S.A.F.E. National Test at a test center, a test enrollment must be requested and paid for in NMLS. All Account Administrators and any company user with the “Manage Test Enrollment” role can request test enrollments for Individuals under the Testing sub-section of the MLO Testing & Education tab if the company has access to the Individual’s record.\n\n**Parent topic:**MLO Testing Handbook",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_testoverview.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_testoverview.md",
      "headings": [
        "2.0 Test Enrollment Procedures \\(NMLS\\) {#mlo_testing_hbk_testoverview .concept}",
        "2.1 Overview of Testing Process {#section_thy_4bg_mbc .section}",
        "2.2 Create an NMLS User Account {#section_j13_pbg_mbc .section}",
        "2.3 Test Enrollment\\*\\* {#section_ydn_qbg_mbc .section}",
        "2.4 Candidate Agreement {#section_s12_qbg_mbc .section}",
        "2.5 Test Fees {#section_pb1_qbg_mbc .section}",
        "2.6 Test Enrollment Windows {#section_mqp_pbg_mbc .section}",
        "2.7 Contact Information {#section_nm5_pbg_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_testoverview.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_testpolicy.md:chunk-0",
      "title": "8.0 Test Center Policies {#mlo_testing_hbk_testpolicy .concept}",
      "content": "# 8.0 Test Center Policies \n\nThis chapter details Prometric test center policies.\n\n## 8.1 Test Center Policies \n\nIn addition to the NMLS Rules of Conduct, the following policies are observed at each Prometric test center.\n\nPlease go to Prometric Site for a complete listing of test center policies.\n\n-   Basic calculators are provided at the test center. Calculator malfunctions are not grounds for challenging test results or requesting additional test time.\n-   Candidates must store all personal items in a secured locker as instructed by the Test Center Administrator \\(TCA\\) or return items to their vehicles. All electronic devices must be turned off before storing them in a locker. The test center is not responsible for lost, stolen or misplaced personal items.\n-   No personal items are allowed in the testing room. Personal items include, but are not limited to cellular phones, handheld computers/personal digital assistants \\(PDAs\\) or other electronic devices, pagers, watches, wallets, purses, firearms or other weapons, hats, bags, coats, books and/or notes, pens or pencils. You will be asked to empty and turn your pockets inside out prior to every entry into the test room to confirm that you have no prohibited items.\n-   Dictionaries, books, papers \\(including scratch paper\\), and reference materials are not permitted in the test room. Candidates are strongly urged not to bring such materials to the test center. Upon entering and being seated in the testing room, the TCA will provide the candidates with a 4-function basic calculator and with writing materials. The candidate may not write on the wipe board before the test begins or remove these items from the test room.\n-   Eating, drinking, chewing gum, smoking and/or making noise that creates a disturbance for other candidates is prohibited during testing.\n-   Candidates are allowed to take unscheduled breaks. To request an unscheduled break, candidates must raise their hands to get the TCA’s attention. Once grant",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_testpolicy.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_testpolicy.md",
      "headings": [
        "8.0 Test Center Policies {#mlo_testing_hbk_testpolicy .concept}",
        "8.1 Test Center Policies {#section_ak2_1gg_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_testpolicy.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_testpolicy.md:chunk-1",
      "title": "8.0 Test Center Policies {#mlo_testing_hbk_testpolicy .concept}",
      "content": "andidates is prohibited during testing.\n-   Candidates are allowed to take unscheduled breaks. To request an unscheduled break, candidates must raise their hands to get the TCA’s attention. Once granted the break, candidates must leave the testing room. The test clock will NOT stop while candidates are taking a break, thus candidates’ test times will be shortened.\n-   Candidates are not permitted to leave the floor or building for any reason while on a scheduled or unscheduled break. If candidates are discovered to have left the floor or building, they may be dismissed.\n-   While taking an unscheduled break, candidates are not permitted to access personal items that are being stored during the test, including but not limited to - cellular phones, PDAs, test notes, study guides.\n-   If candidates do not follow the NMLS Rules of Conduct, they will be reported to NMLS.\n\n**Parent topic:**MLO Testing Handbook",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_testpolicy.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_testpolicy.md",
      "headings": [
        "8.0 Test Center Policies {#mlo_testing_hbk_testpolicy .concept}",
        "8.1 Test Center Policies {#section_ak2_1gg_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_testpolicy.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_testprep.md:chunk-0",
      "title": "6.0 Preparing for the Test {#mlo_testing_hbk_testprep .concept}",
      "content": "# 6.0 Preparing for the Test \n\nThis chapter covers what topics will be on the SAFE MLO Test and how legislative updates impact test material.\n\n## 6.1 Content Outline \n\nThe SAFE MLO test is based on a content outline of topics, subtopics, and references to applicable state and federal laws, statutes, and regulations. This outline was developed based on a comprehensive national job analysis which determined what an entry-level mortgage loan originator needs to know.\n\nNMLS recommends all test takers review the content outline in preparing to take the SAFE MLO test. It is the only study material the NMLS publishes and describes the content and test specifications approved by the test development committees.\n\nClick to see the SAFE MLO National Test with Uniform State Test Content Outline.\n\n## 6.2 Legislative Updates \n\nLegislative changes may occur throughout the test administration cycle. Candidates should answer test questions based on the current statutes, regulations and rules. Candidates are responsible for keeping abreast of changes made to the applicable statutes, regulations and rules regardless of whether they appear on this outline or the test. The outline is not intended to list every aspect of a topic mentioned. Although the test items are developed from these categories, each topic is not necessarily tested on each examination.\n\n**Parent topic:**MLO Testing Handbook",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_testprep.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_testprep.md",
      "headings": [
        "6.0 Preparing for the Test {#mlo_testing_hbk_testprep .concept}",
        "6.1 Content Outline {#section_npc_fgg_mbc .section}",
        "6.2 Legislative Updates {#section_ylq_2gg_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_testprep.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_urls.md:chunk-0",
      "title": "Appendix A: Glossary of URLs {#mlo_testing_hbk_urls .concept}",
      "content": "# Appendix A: Glossary of URLs \n\nGlossary of URLs\n\n-   Log in to NMLS - request an account, access your NMLS record, submit license applications, etc. NMLS Login Page\n-   NMLS Resource Center Home Page - General information on NMLS and links to log in to the system.Request an Individual NMLS Account\n-   NMLS Resource Center - Information for Mortgage Loan Originator \\(MLO\\) Candidates, including information on how to create an account in NMLS and request test enrollments for participating states and jurisdictions.\n-   NMLS Company Guide - Information on how a company can pay for test enrollments.Licensing Guide for State-Regulated Companies\n-   NMLS State Licensing Resource Page - Information on participating states and state-specific testing and education requirements.State Licensing Checklist Compiler\n-   NMLS Professional Standards Page - Information regarding Testing, Education, and Background Check requirements.http://mortgage.nationwidelicensingsystem.org/profreq/Pages/default.aspx\n-   NMLS Testing Page - Information regarding the SAFE MLO test, test availability, test center locations, testing accommodations, and testing policies, as well as the ability to access the MLO Testing Handbook \\(this document\\). http://mortgage.nationwidelicensingsystem.org/profreq/testing/Pages/default.aspx\n-   NMLS Education Page - Information on pre-license and continuing education for MLOs, including links to identify and register for educational offerings.http://mortgage.nationwidelicensingsystem.org/profreq/education/Pages/default.aspx\n-   Prometric - The test vendor for MLO tests.Prometric Site\n-   ProProctor User Guide - ProProctor User Guide\n-   ProProctor Candidate Information Page - ProProctor Candidate Information\n-   ProProctor System Readiness Check - System Check\n-   ProProctor Support - ProProctor Support\n\n**Parent topic:**MLO Testing Handbook",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_urls.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_urls.md",
      "headings": [
        "Appendix A: Glossary of URLs {#mlo_testing_hbk_urls .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_urls.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_whattobring.md:chunk-0",
      "title": "7.0 Test Day {#mlo_testing_hbk_whattobring .concept}",
      "content": "# 7.0 Test Day \n\nThis chapter details what to expect during the SAFE MLO Test Administration, including check-in procedures, security and codes of conduct, and test navigation.\n\n## 7.1 What to Bring \n\nAll candidates must bring one form of a current \\(non-expired\\) government-issued identification that includes the candidate’s photo and signature. Acceptable forms of candidate identification include but are not limited to:\n\n-   Government-Issued Driver’s License\n-   Passport\n-   Military ID\n-   Police ID\n-   Firearm Owner’s Registration ID\n-   Alien Registration Card \\(green card, permanent resident visa\\)\n\n**Important:** **The name on the candidate’s ID must match his/her name as it appears on his/her NMLS account.**\n\nAt check-in, the Test Center Administrator \\(TCA\\) will verify that the identification presented matches the name in the test appointment system. Therefore, it is imperative that candidates who have changed their names provide the TCA with certified written documentation of the change \\(e.g. a marriage license, divorce decree, or other official form of documentation\\). No faxes or photocopies will be accepted.\n\nCandidates who do not present the required items will be denied admission to the test and considered absent, resulting in closure of their enrollment window and loss of their test enrollment fee.\n\n## 7.2 Test Procedures \n\nAt a testing center:\n\n-   Candidates should report to the test center thirty minutes prior to their scheduled appointment and check in with the Test Center Administrator \\(TCA\\).\n-   Upon arrival at Prometric test centers, candidates are photographed and scanned with a metal detector wand prior to each entry into a test room.\n-   After the check-in process is complete, the TCA will provide a wipe board and a basic calculator. Personal calculators will not be permitted. In the event that the test center does not have a calculator available, candidates have the right to reschedule the appointment at Prometric’s expense. The wipe ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_whattobring.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_whattobring.md",
      "headings": [
        "7.0 Test Day {#mlo_testing_hbk_whattobring .concept}",
        "7.1 What to Bring {#section_w34_dgg_mbc .section}",
        "7.2 Test Procedures {#section_d5r_cgg_mbc .section}",
        "7.3 Candidate Test Security and Confidentiality Agreement \\(Candidate Agreement\\) {#section_qgv_bgg_mbc .section}",
        "7.3 NMLS Rules of Conduct {#section_t1k_bgg_mbc .section}",
        "7.4 Navigational Tutorial {#section_d5x_1gg_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_whattobring.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_whattobring.md:chunk-1",
      "title": "7.0 Test Day {#mlo_testing_hbk_whattobring .concept}",
      "content": "nal calculators will not be permitted. In the event that the test center does not have a calculator available, candidates have the right to reschedule the appointment at Prometric’s expense. The wipe board and calculator must be returned to the TCA before exiting the test center.\n\nFor an online test appointment \\(only available to those who qualify for Testing Accommodations\\):\n\n-   There are a number of technical and procedural requirements candidates need to be able to meet or be aware of before they can sit for an online-proctored test appointment. Please carefully review the information provided in Online Proctored Testing.\n\n## 7.3 Candidate Test Security and Confidentiality Agreement \\(Candidate Agreement\\) \n\nThe Candidate Test Security and Confidentiality Agreement, also known as the Candidate Agreement, contains important terms and conditions governing your access to the SAFE Mortgage Loan Originator Test \\(“SAFE MLO Test”\\). This agreement constitutes a binding contract between you and the State Regulatory Registry, LLC \\(“SRR”\\), which owns and operates NMLS. Please read it carefully.\n\nSRR takes the security and integrity of the SAFE MLO Test very seriously. As described in more detail in this Agreement, SAFE MLO Test questions and content are highly confidential and are not to be shared, discussed, or reproduced in any way. Any test taker who is suspected of engaging in conduct that jeopardizes the security and validity of the SAFE MLO Test may have his or her score invalidated, may be denied future access to the test, and may face civil or criminal liability. In addition, state mortgage regulatory agencies may take action against your application or license. At its discretion, NMLS may publicize the sanction of any test misconduct on the NMLS Resource Center or other forum. It is therefore very important that you read and understand the terms of this Candidate Agreement.\n\n## 7.3 NMLS Rules of Conduct \n\nThe NMLS Rules of Conduct, which are listed in 3. You",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_whattobring.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_whattobring.md",
      "headings": [
        "7.0 Test Day {#mlo_testing_hbk_whattobring .concept}",
        "7.1 What to Bring {#section_w34_dgg_mbc .section}",
        "7.2 Test Procedures {#section_d5r_cgg_mbc .section}",
        "7.3 Candidate Test Security and Confidentiality Agreement \\(Candidate Agreement\\) {#section_qgv_bgg_mbc .section}",
        "7.3 NMLS Rules of Conduct {#section_t1k_bgg_mbc .section}",
        "7.4 Navigational Tutorial {#section_d5x_1gg_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_whattobring.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_whattobring.md:chunk-2",
      "title": "7.0 Test Day {#mlo_testing_hbk_whattobring .concept}",
      "content": "or other forum. It is therefore very important that you read and understand the terms of this Candidate Agreement.\n\n## 7.3 NMLS Rules of Conduct \n\nThe NMLS Rules of Conduct, which are listed in 3. You must also comply with the Test Taker’s Rules of Conduct \\(ROC\\) at the test site. of the Candidate Agreement, will be presented to candidates prior to the start of the test. The rules of conduct relate to the candidate’s behavior at the test center. Those taking an online proctored test will be required to agree to and abide by the Rules of Conduct for Test Takers and Prometric's Security Guidelines provided in the ProProctor User Guide.\n\n## 7.4 Navigational Tutorial \n\nCandidates are required to complete a navigational tutorial prior to beginning a test. Candidates may repeat the tutorial as needed until they are comfortable with the general navigation used during testing. Any time spent in the navigation tutorial does not reduce the overall test time. The Test Center Administrator \\(TCA\\) may answer questions of a general nature, but candidates should be aware that the TCAs are not familiar with the content of the test or with the states’ licensing requirements.\n\nCandidates may begin the test once they are familiar with the navigational options. The test begins the moment a candidate accesses the first test question. Candidates may choose to exit the test at any time, but the test will end automatically after the allotted time has expired. Candidates will be given an unofficial score report, before leaving the center. A sample of an Unofficial Score Report is presented in Appendix C: Sample Score Report.\n\n**Note:** The test result will become official once it is posted to NMLS.\n\n-   **Online Proctored Testing**  \nThe SAFE MLO Test is now offered via Prometric’s online proctored testing platform, ProProctor. Candidates who would like to test online should review all of the information provided below to prepare their environments for their online testing session.\n-   **",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_whattobring.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_whattobring.md",
      "headings": [
        "7.0 Test Day {#mlo_testing_hbk_whattobring .concept}",
        "7.1 What to Bring {#section_w34_dgg_mbc .section}",
        "7.2 Test Procedures {#section_d5r_cgg_mbc .section}",
        "7.3 Candidate Test Security and Confidentiality Agreement \\(Candidate Agreement\\) {#section_qgv_bgg_mbc .section}",
        "7.3 NMLS Rules of Conduct {#section_t1k_bgg_mbc .section}",
        "7.4 Navigational Tutorial {#section_d5x_1gg_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_whattobring.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_whattobring.md:chunk-3",
      "title": "7.0 Test Day {#mlo_testing_hbk_whattobring .concept}",
      "content": "ctored testing platform, ProProctor. Candidates who would like to test online should review all of the information provided below to prepare their environments for their online testing session.\n-   **Rules of Conduct for Test Takers**  \n\n**Parent topic:**MLO Testing Handbook",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_whattobring.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\mlo_test_guide\\mlo_testing_hbk_whattobring.md",
      "headings": [
        "7.0 Test Day {#mlo_testing_hbk_whattobring .concept}",
        "7.1 What to Bring {#section_w34_dgg_mbc .section}",
        "7.2 Test Procedures {#section_d5r_cgg_mbc .section}",
        "7.3 Candidate Test Security and Confidentiality Agreement \\(Candidate Agreement\\) {#section_qgv_bgg_mbc .section}",
        "7.3 NMLS Rules of Conduct {#section_t1k_bgg_mbc .section}",
        "7.4 Navigational Tutorial {#section_d5x_1gg_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/mlo_test_guide/mlo_testing_hbk_whattobring.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mloEd_completeEd_chapterstart.md:chunk-0",
      "title": "Complete NMLS Approved Courses {#xd_9b692078bb9d145d--47143557-1969b855798--7ff3 .concept}",
      "content": "# Complete NMLS Approved Courses \n\nSatisfy MLO education requirements by registering and completing NMLS approved courses with an NMLS approved course provider to satisfy MLO education requirements. Find a list of NMLS approved course providers, understand your education record in NMLS, and satisfy the CE requirement from a prior year using the Late CE Course Catalog.\n\n-   **NMLS Approved Course Provider List**  \nRegister and complete NMLS approved education with an NMLS approved course provider. NMLS approved providers are the only entities authorized to deliver courses for MLO licensing.\n-   **Education Record**  \n View the Education Record in your NMLS account to verify the course\\(s\\) you completed was reported, confirm your education compliance, and find pending requirements.\n-   **Late CE Course Catalog**  \nNeed to satisfy a CE requirement from a past year? If yes, you are in the right place. This catalog is used for MLOs who have been instructed by a state regulator to make up CE.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mloEd_completeEd_chapterstart.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mloEd_completeEd_chapterstart.md",
      "headings": [
        "Complete NMLS Approved Courses {#xd_9b692078bb9d145d--47143557-1969b855798--7ff3 .concept}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mloEd_completeEd_chapterstart.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mloTestingHbkStatespecificAl.md:chunk-0",
      "title": "Alabama {#mloTestingHbkStatespecificAl .concept}",
      "content": "# Alabama \n\nState PE and CE Requirements for MLOs\n\n## Pre-Licensure Education Requirements \n\nNew state-licensed MLOs are required to complete 20 hours of NMLS-approved education. This education must include 3 hours of Federal law, 3 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), 2 hours of non-traditional mortgage lending, plus 12 hours of undefined education \\(referred to as electives\\). AL does not have a requirement for instruction on state-specific law.\n\n**Important:** Number of hours is 3/3/2/12 = 20\n\n**PE Expiration: Pending Enactment** See the State Licensing Checklist Compiler for details.\n\n## Continuing Education Requirements \n\n**MLO:** Every state licensed MLO \\(in any approved status\\) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed \\(unless PE was completed in the same year\\).Annual CE education must include 3 hours of Federal law, 2 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), 2 hours of non-traditional mortgage lending, plus one \\(1\\) additional hour of undefined \\(referred to as an elective\\).\n\nNumber of hours is 3/2/2/1 = 8\n\n**Additional Persons**: N/A\n\n\n\nIf I became federal compliant for PE between 2009–2024\n\n\n\nand was licensed between 2009–2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**YES**\n\n\n\nIf I became federal compliant for PE in 2025\n\n\n\nand I was approved for an initial license in 2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**No**\n\n\n## Deadline \n\n**The deadline to complete CE is December 31**. However, MLOs in Alabama are prevented from applying to renew their license if they have not completed CE. Since it may take as long as seven \\(7\\) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.\n\n**Parent topic:**State-Specif",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mloTestingHbkStatespecificAl.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mloTestingHbkStatespecificAl.md",
      "headings": [
        "Alabama {#mloTestingHbkStatespecificAl .concept}",
        "Pre-Licensure Education Requirements {#section_vby_42j_mbc .section}",
        "Continuing Education Requirements {#section_ahs_x1j_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mloTestingHbkStatespecificAl.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mloTestingHbkStatespecificAl.md:chunk-1",
      "title": "Alabama {#mloTestingHbkStatespecificAl .concept}",
      "content": " completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.\n\n**Parent topic:**State-Specific Education Requirements \\(PE and CE\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mloTestingHbkStatespecificAl.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mloTestingHbkStatespecificAl.md",
      "headings": [
        "Alabama {#mloTestingHbkStatespecificAl .concept}",
        "Pre-Licensure Education Requirements {#section_vby_42j_mbc .section}",
        "Continuing Education Requirements {#section_ahs_x1j_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mloTestingHbkStatespecificAl.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mloTestingHbkStatespecificAz.md:chunk-0",
      "title": "Arizona {#mloTestingHbkStatespecificAz .concept}",
      "content": "# Arizona \n\nState PE and CE Requirements for MLOs\n\n## Pre-Licensure Education Requirements \n\nNew state-licensed MLOs are required to complete 20 hours of NMLS-approved education.This education must include 3 hours of Federal law, 3 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), 2 hours of non-traditional mortgage lending, plus 8 hours of undefined education \\(referred to as electives\\) + 4 hours of AZ law. *AZ has a requirement for 4 hours of instruction on state-specific laws which may be satisfied by either taking an AZ comprehensive course or a state-specific elective course*.\n\nNumber of hours is 3/3/2/8/+ 4hrs of AZ law = 20\n\n**PE Expiration: Enacted** See the State Licensing Checklist Compiler for details.\n\n## Continuing Education Requirements \n\n**MLO:** Every state licensed MLO \\(in any approved status\\) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed \\(unless PE was completed in the same year\\).Annual CE education must include 3 hours of Federal law, 2 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), and 2 hours of non-traditional mortgage lending, *plus one \\(1\\) additional hour of AZ state-specific education* \\(referred to as an elective\\).\n\nNumber of hours is 3/2/2/+ 1hr of AZ law = 8\n\n**Additional Persons**: Responsible Individuals. See the Annual Renewal Checklist.\n\n\n\nIf I became federal compliant for PE between 2009–2024\n\n\n\nand was licensed between 2009–2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**YES**\n\n\n\nIf I became federal compliant for PE in 2025\n\n\n\nand I was approved for an initial license in 2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**No**\n\n\n## Deadline \n\n**The deadline to complete CE is December 31**. However, MLOs in Arizona are prevented from applying to renew their license if they have not completed CE. Since it may take as long as seven \\(7\\) days for a course provider to report",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mloTestingHbkStatespecificAz.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mloTestingHbkStatespecificAz.md",
      "headings": [
        "Arizona {#mloTestingHbkStatespecificAz .concept}",
        "Pre-Licensure Education Requirements {#section_i53_4fj_mbc .section}",
        "Continuing Education Requirements {#section_ghs_x1j_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mloTestingHbkStatespecificAz.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mloTestingHbkStatespecificAz.md:chunk-1",
      "title": "Arizona {#mloTestingHbkStatespecificAz .concept}",
      "content": " December 31**. However, MLOs in Arizona are prevented from applying to renew their license if they have not completed CE. Since it may take as long as seven \\(7\\) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.\n\n**Parent topic:**State-Specific Education Requirements \\(PE and CE\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mloTestingHbkStatespecificAz.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mloTestingHbkStatespecificAz.md",
      "headings": [
        "Arizona {#mloTestingHbkStatespecificAz .concept}",
        "Pre-Licensure Education Requirements {#section_i53_4fj_mbc .section}",
        "Continuing Education Requirements {#section_ghs_x1j_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mloTestingHbkStatespecificAz.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mloTestingHbkStatespecificak.md:chunk-0",
      "title": "Alaska {#mloTestingHbkStatespecificak .concept}",
      "content": "# Alaska \n\nState PE and CE Requirements for MLOs\n\n## Pre-Licensure Education Requirements \n\nNew state-licensed MLOs are required to complete 20 hours of NMLS-approved education. This education must include 3 hours of Federal law, 3 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), 2 hours of non-traditional mortgage lending, plus 12 hours of undefined education \\(referred to as electives\\). AK does not have a requirement for instruction on state-specific law.\n\nNumber of hours is 3/3/2/12 = 20\n\n**PE Expiration: Enacted** See the State Licensing Checklist Compiler for details.\n\n## Continuing Education Requirements \n\n**MLO:** Every state licensed MLO \\(in any approved status\\) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed \\(unless PE was completed in the same year\\).Annual CE education must include 3 hours of Federal law, 2 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), 2 hours of non-traditional mortgage lending, plus one \\(1\\) additional hour of undefined \\(referred to as an elective\\).\n\nNumber of hours is 3/2/2/1 = 8\n\n**Additional Persons**: N/A\n\n\n\nIf I became federal compliant for PE between 2009–2024\n\n\n\nand was licensed between 2009–2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**YES**\n\n\n\nIf I became federal compliant for PE in 2025\n\n\n\nand I was approved for an initial license in 2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**No**\n\n\n## Deadline \n\n**The deadline to complete CE is December 31**. However, MLOs in Alaska are prevented from applying to renew their license if they have not completed CE. Since it may take as long as seven \\(7\\) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.\n\n**Parent topic:**State-Specific Education Requirements \\",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mloTestingHbkStatespecificak.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mloTestingHbkStatespecificak.md",
      "headings": [
        "Alaska {#mloTestingHbkStatespecificak .concept}",
        "Pre-Licensure Education Requirements {#section_qyk_jfj_mbc .section}",
        "Continuing Education Requirements {#section_dhs_x1j_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mloTestingHbkStatespecificak.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mloTestingHbkStatespecificak.md:chunk-1",
      "title": "Alaska {#mloTestingHbkStatespecificak .concept}",
      "content": " are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.\n\n**Parent topic:**State-Specific Education Requirements \\(PE and CE\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mloTestingHbkStatespecificak.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mloTestingHbkStatespecificak.md",
      "headings": [
        "Alaska {#mloTestingHbkStatespecificak .concept}",
        "Pre-Licensure Education Requirements {#section_qyk_jfj_mbc .section}",
        "Continuing Education Requirements {#section_dhs_x1j_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mloTestingHbkStatespecificak.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_DE.md:chunk-0",
      "title": "Delaware {#mlo_testing_hbk_GA .concept}",
      "content": "# Delaware \n\nState PE and CE Requirements for MLOs\n\n## Pre-Licensure Education Requirements \n\nNew state-licensed MLOs are required to complete 20 hours of NMLS-approved education.This education must include 3 hours of Federal law, 3 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), 2 hours of non-traditional mortgage lending, plus 12 hours of undefined education \\(referred to as electives\\).\n\nNumber of hours is 3/3/2/12 = 20\n\nDelaware does not have a requirement for instruction on state-specific law.\n\n**PE Expiration: Pending Enactment** See the State Licensing Checklist Compiler for details.\n\n## Continuing Education Requirements \n\n**MLO:** Every state licensed MLO \\(in any approved status\\) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed \\(unless PE was completed in the same year\\).Annual CE education must include 3 hours of Federal law, 2 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), 2 hours of non-traditional mortgage lending, plus one \\(1\\) additional hour of undefined \\(referred to as an elective\\).\n\nNumber of hours is 3/2/2/1 = 8\n\n**Additional Persons:** N/A\n\n\n\nIf I became federal compliant for PE between 2009–2024\n\n\n\nand was licensed between 2009–2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**YES**\n\n\n\nIf I became federal compliant for PE in 2025\n\n\n\nand I was approved for an initial license in 2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**No**\n\n\n## Deadline \n\n**The deadline to complete CE is December 1**. However, MLOs in Delaware are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven \\(7\\) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.\n\n**Parent topic:**State-Specific Educ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_DE.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_DE.md",
      "headings": [
        "Delaware {#mlo_testing_hbk_GA .concept}",
        "Pre-Licensure Education Requirements {#section_d3s_x1j_mbc .section}",
        "Continuing Education Requirements {#section_e3s_x1j_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_DE.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_DE.md:chunk-1",
      "title": "Delaware {#mlo_testing_hbk_GA .concept}",
      "content": "tion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.\n\n**Parent topic:**State-Specific Education Requirements \\(PE and CE\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_DE.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_DE.md",
      "headings": [
        "Delaware {#mlo_testing_hbk_GA .concept}",
        "Pre-Licensure Education Requirements {#section_d3s_x1j_mbc .section}",
        "Continuing Education Requirements {#section_e3s_x1j_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_DE.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_UT_DFI.md:chunk-0",
      "title": "Utah - DFI {#mlo_testing_hbk_UT_XXX .concept}",
      "content": "# Utah - DFI \n\nUtah - DFI PE and CE Requirements for MLOs\n\n## Pre-Licensure Education Requirements \n\nNew state-licensed MLOs are required to complete 20 hours of NMLS-approved education.This education must include 3 hours of Federal law, 3 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), 2 hours of non-traditional mortgage lending, plus 12 hours of undefined education \\(referred to as electives\\).\n\nNumber of hours is 3/3/2/12 = 20\n\n**PE Expiration: Pending Enactment** See the State Licensing Checklist Compiler for details.\n\n## Continuing Education Requirements \n\n**MLO:** Every state licensed MLO \\(in any approved status\\) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed \\(unless PE was completed in the same year\\).Annual CE education must include 3 hours of Federal law, 2 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), 2 hours of non-traditional mortgage lending, plus one \\(1\\) additional hour of undefined \\(referred to as an elective\\).\n\nNumber of hours is 3/2/2/1 = 8\n\n**Additional Persons:** N/A.\n\n\n\nIf I became federal compliant for PE between 2009–2024\n\n\n\nand was licensed between 2009–2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**YES**\n\n\n\nIf I became federal compliant for PE in 2025\n\n\n\nand I was approved for an initial license in 2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**No**\n\n\n## Deadline \n\n**The deadline to complete CE is December 31**. However, MLOs with Utah-DFI are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven \\(7\\) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.\n\n**Parent topic:**State-Specific Education Requirements \\(PE and CE\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_UT_DFI.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_UT_DFI.md",
      "headings": [
        "Utah - DFI {#mlo_testing_hbk_UT_XXX .concept}",
        "Pre-Licensure Education Requirements {#section_m4s_x1j_mbc .section}",
        "Continuing Education Requirements {#section_n4s_x1j_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_UT_DFI.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_WY.md:chunk-0",
      "title": "Wyoming {#mlo_testing_hbk_WY .concept}",
      "content": "# Wyoming \n\nState PE and CE Requirements for MLOs\n\n## Pre-Licensure Education Requirements \n\nNew state-licensed MLOs are required to complete 20 hours of NMLS-approved education.This education must include 3 hours of Federal law, 3 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), 2 hours of non-traditional mortgage lending, plus 12 hours of undefined education \\(referred to as electives\\).\n\nNumber of hours is 3/3/2/12 = 20\n\n**PE Expiration: Pending Enactment** See the State Licensing Checklist Compiler for details.\n\n## Continuing Education Requirements \n\n**MLO:** Every state licensed MLO \\(in any approved status\\) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed \\(unless PE was completed in the same year\\).Annual CE education must include 3 hours of Federal law, 2 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), 2 hours of non-traditional mortgage lending, plus one \\(1\\) additional hour of undefined \\(referred to as an elective\\).\n\nNumber of hours is 3/2/2/1 = 8\n\n**Additional Persons:** N/A.\n\n\n\nIf I became federal compliant for PE between 2009–2024\n\n\n\nand was licensed between 2009–2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**YES**\n\n\n\nIf I became federal compliant for PE in 2025\n\n\n\nand I was approved for an initial license in 2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**No**\n\n\n## Deadline \n\n**The deadline to complete CE is December 31**. However, MLOs in Wyoming are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven \\(7\\) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.\n\n**Parent topic:**State-Specific Education Requirements \\(PE and CE\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_WY.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_WY.md",
      "headings": [
        "Wyoming {#mlo_testing_hbk_WY .concept}",
        "Pre-Licensure Education Requirements {#section_sps_x1j_mbc .section}",
        "Continuing Education Requirements {#section_tps_x1j_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_WY.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSepcific_UT-DRE.md:chunk-0",
      "title": "Utah - DRE {#mlo_testing_hbk_stateSepcific_UT_DRE .concept}",
      "content": "# Utah - DRE \n\nUtah - DRE PE and CE Requirements for MLOs\n\n## Pre-Licensure Education Requirements \n\nNew state-licensed MLOs are required to complete 20 hours of NMLS-approved education.This education must include 3 hours of Federal law, 3 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), 2 hours of non-traditional mortgage lending, plus 12 hours of undefined education \\(referred to as electives\\).\n\nNumber of hours is 3/3/2/12 = 20\n\n**Important:** UT-DRE also has an additional requirement of 15 hours of UT-DRE approved instruction which is not reported into NMLS.\n\n**PE Expiration: Pending Enactment** See the State Licensing Checklist Compiler for details.\n\n## Continuing Education Requirements \n\n**MLO:** Every state licensed MLO \\(in any approved status\\) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed \\(unless PE was completed in the same year\\).Annual CE education must include 3 hours of Federal law, 2 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), and 2 hours of non-traditional mortgage lending, plus one additional hour of undefined education \\(referred to as an elective\\) *plus 1 hour Utah-approved specific annual update course* \\(referred to as an elective\\).\n\nNumber of hours is 3/2/2/1 + 1hr UT = 9\n\n**Note:** UT-DRE requires 10 hours \\(2hr State Specific\\) Late CE for any outstanding CE prior to 1/1/2024.\n\n**Additional Persons:** N/A.\n\n\n\nIf I became federal compliant for PE between 2009–2024\n\n\n\nand was licensed between 2009–2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**YES**\n\n\n\nIf I became federal compliant for PE in 2025\n\n\n\nand I was approved for an initial license in 2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**No**\n\n\n## Deadline \n\n**The deadline to complete both Federal and State CE is December 15**. However, MLOs with Utah-DRE are prohibited from applying to renew their license if they have not c",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSepcific_UT-DRE.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSepcific_UT-DRE.md",
      "headings": [
        "Utah - DRE {#mlo_testing_hbk_stateSepcific_UT_DRE .concept}",
        "Pre-Licensure Education Requirements {#section_q4s_x1j_mbc .section}",
        "Continuing Education Requirements {#section_r4s_x1j_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSepcific_UT-DRE.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSepcific_UT-DRE.md:chunk-1",
      "title": "Utah - DRE {#mlo_testing_hbk_stateSepcific_UT_DRE .concept}",
      "content": "2025\n\n\n\n**No**\n\n\n## Deadline \n\n**The deadline to complete both Federal and State CE is December 15**. However, MLOs with Utah-DRE are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven \\(7\\) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.\n\n**Parent topic:**State-Specific Education Requirements \\(PE and CE\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSepcific_UT-DRE.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSepcific_UT-DRE.md",
      "headings": [
        "Utah - DRE {#mlo_testing_hbk_stateSepcific_UT_DRE .concept}",
        "Pre-Licensure Education Requirements {#section_q4s_x1j_mbc .section}",
        "Continuing Education Requirements {#section_r4s_x1j_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSepcific_UT-DRE.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific-1.md:chunk-0",
      "title": "State-Specific Education Requirements \\(PE and CE\\) {#mlo_testing_hbk_stateSpecific .concept}",
      "content": "# State-Specific Education Requirements \\(PE and CE\\) \n\nMany MLO licensing agencies have unique state specific education requirements. Find the pre-licensing education \\(PE\\) and continuing education \\(CE\\) requirements for each state agency, including state specific education hours, PE expiration, CE deadlines, and other unique requirements.\n\nPE Expiration\n:   Find an agency's PE expiration status - if listed as \"enacted\" then that agency expires PE. See PE Expiration Policy for the conditions that cause PE to expire.\n\nUniform CE Policy\n:   As a condition for license renewal, an MLO is required to complete at least eight \\(8\\) hours of CE in the same year in which a state agency placed the license in an approved status with the following exception: An MLO who reached federal pre-licensure education \\(PE\\) compliance in the same year in which the license was approved is not required to complete CE.\n\nSMART CE Deadline\n:   MLOs are prevented from applying to renew their license if they have not satisfied CE requirements. You must satisfy your CE requirements before you can renew your license. Since it may take as long as seven \\(7\\) days for a course provider to report a course completion into NMLS,\n\n    **Important:** MLOs are encouraged to complete CE by the SMART CE Deadline: December 5th\n\n    **Note:** An agency could have a CE deadline sooner than those listed above. Deadlines are listed in each agency's section.\n\n## Agencies listed in this table require state-specific education hours \\(see specific agency for key details\\): { .section}\n\nClick on an agency to jump to its requirements.\n\n|State|State PE Hours|Total PE Hours|State CE Hours|Total CE Hours| |State|State PE Hours|Total PE Hours|State CE Hours|Total CE Hours|\n|-----|:------------:|:------------:|:------------:|:------------:|---|-----|:------------:|:------------:|:------------:|:------------:|\n|AZ|4|20|1|8| |NV\\*|4|30|0|8|\n|CA-DFPI|2|20|1|8| |NJ|4|20|2|12|\n|CO|2|20|0|8| |NM|3|20|1|8|\n|CT|1|21|1|8| |NY\\",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific-1.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific-1.md",
      "headings": [
        "State-Specific Education Requirements \\(PE and CE\\) {#mlo_testing_hbk_stateSpecific .concept}",
        "Agencies listed in this table require state-specific education hours \\(see specific agency for key details\\): { .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific-1.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific-1.md:chunk-1",
      "title": "State-Specific Education Requirements \\(PE and CE\\) {#mlo_testing_hbk_stateSpecific .concept}",
      "content": "--:|:------------:|---|-----|:------------:|:------------:|:------------:|:------------:|\n|AZ|4|20|1|8| |NV\\*|4|30|0|8|\n|CA-DFPI|2|20|1|8| |NJ|4|20|2|12|\n|CO|2|20|0|8| |NM|3|20|1|8|\n|CT|1|21|1|8| |NY\\*|3|20|3|11|\n|DC|3|20|1|8| |NC\\*|4|24|1|8|\n|FL|2|20|1|8| |NH|2|20|0|8|\n|GA|0|20|1|8| |OH\\*|4|24|0|8|\n|HI|3|20|1|8| |OK|1|20|0|8|\n|ID|2|20|1|8| |OR\\*|4|20|2|10|\n|IN-SOS|2|20|0|8| |PA|3|20|1|8|\n|KY\\*|0|20|1|8| |RI|3|20|1|8|\n|MD|5|20|1|8| |SC-BFI|3|20|1|8|\n|MA|3|20|1|8| |SC-DCA|3|20|1|8|\n|MI|2|20|0|8| |TN|2|20|0|8|\n|MN\\*|0|20|1|8| |TX-SML|3|23|0|8|\n|MS|4|20|0|8| |UT-DRE\\*|15|35|1|9|\n|MO|0|20|1|8| |VT|2|20|0|8|\n|MT|2|20|0|8| |WA|4|22|1|9|\n|NE|2|22|0|8| |WV|4|24|2|9|\n\n\\* See agency's section for details.\n\n-   **Alabama**  \nState PE and CE Requirements for MLOs\n-   **Alaska**  \nState PE and CE Requirements for MLOs\n-   **Arizona**  \nState PE and CE Requirements for MLOs\n-   **Arkansas**  \nState PE and CE Requirements for MLOs\n-   **California - Department of Financial Protection and Innovation**  \nCA DFPI PE and CE Requirements for MLOs\n-   **California – Department of Real Estate**  \nCA DRE PE and CE Requirements for MLOs\n-   **Colorado**  \nState PE and CE Requirements for MLOs\n-   **Connecticut**  \nState PE and CE Requirements for MLOs\n-   **Delaware**  \nState PE and CE Requirements for MLOs\n-   **District of Columbia**  \nState PE and CE Requirements for MLOs\n-   **Florida**  \nState PE and CE Requirements for MLOs\n-   **Georgia**  \nState PE and CE Requirements for MLOs\n-   **Guam**  \nState PE and CE Requirements for MLOs\n-   **Hawaii**  \nState PE and CE Requirements for MLOs\n-   **Idaho**  \nState PE and CE Requirements for MLOs\n-   **Illinois**  \nState PE and CE Requirements for MLOs\n-   **Indiana - DFI**  \nIndiana - DFI PE and CE Requirements for MLOs\n-   **Indiana - SOS**  \nIndiana - SOS PE and CE Requirements for MLOs\n-   **Iowa**  \nState PE and CE Requirements for MLOs\n-   **Kansas**  \nState PE and CE Requirements for MLOs\n-   **Kentucky**  \nState PE and CE Requirements",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific-1.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific-1.md",
      "headings": [
        "State-Specific Education Requirements \\(PE and CE\\) {#mlo_testing_hbk_stateSpecific .concept}",
        "Agencies listed in this table require state-specific education hours \\(see specific agency for key details\\): { .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific-1.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific-1.md:chunk-2",
      "title": "State-Specific Education Requirements \\(PE and CE\\) {#mlo_testing_hbk_stateSpecific .concept}",
      "content": "ndiana - SOS PE and CE Requirements for MLOs\n-   **Iowa**  \nState PE and CE Requirements for MLOs\n-   **Kansas**  \nState PE and CE Requirements for MLOs\n-   **Kentucky**  \nState PE and CE Requirements for MLOs\n-   **Louisiana**  \nState PE and CE Requirements for MLOs\n-   **Maine**  \nState PE and CE Requirements for MLOs\n-   **Maryland**  \nState PE and CE Requirements for MLOs\n-   **Massachusetts**  \nState PE and CE Requirements for MLOs\n-   **Michigan**  \nState PE and CE Requirements for MLOs\n-   **Minnesota**  \nState PE and CE Requirements for MLOs\n-   **Mississippi**  \nState PE and CE Requirements for MLOs\n-   **Missouri**  \nState PE and CE Requirements for MLOs\n-   **Montana**  \nState PE and CE Requirements for MLOs\n-   **Nebraska**  \nState PE and CE Requirements for MLOs\n-   **Nevada**  \nState PE and CE Requirements for MLOs\n-   **New Hampshire**  \nState PE and CE Requirements for MLOs\n-   **New Jersey**  \nState PE and CE Requirements for MLOs\n-   **New Mexico**  \nState PE and CE Requirements for MLOs\n-   **New York**  \nState PE and CE Requirements for MLOs\n-   **North Carolina**  \nState PE and CE Requirements for MLOs\n-   **North Dakota**  \nState PE and CE Requirements for MLOs\n-   **Ohio**  \nState PE and CE Requirements for MLOs\n-   **Oklahoma**  \nState PE and CE Requirements for MLOs\n-   **Oregon**  \nState PE and CE Requirements for MLOs\n-   **Pennsylvania**  \nState PE and CE Requirements for MLOs\n-   **Puerto Rico**  \nState PE and CE Requirements for MLOs\n-   **Rhode Island**  \nState PE and CE Requirements for MLOs\n-   **South Carolina BFI**  \nSouth Carolina BFI PE and CE Requirements for MLOs\n-   **South Carolina DCA**  \nSouth Carolina DCA PE and CE Requirements for MLOs\n-   **South Dakota**  \nState PE and CE Requirements for MLOs\n-   **Tennessee**  \nState PE and CE Requirements for MLOs\n-   **Texas-OCCC**  \nTexas-OCCC PE and CE Requirements for MLOs\n-   **Texas - SML**  \nTexas - SML PE and CE Requirements for MLOs\n-   **Utah - DFI**  \nUtah - DFI PE and CE ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific-1.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific-1.md",
      "headings": [
        "State-Specific Education Requirements \\(PE and CE\\) {#mlo_testing_hbk_stateSpecific .concept}",
        "Agencies listed in this table require state-specific education hours \\(see specific agency for key details\\): { .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific-1.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific-1.md:chunk-3",
      "title": "State-Specific Education Requirements \\(PE and CE\\) {#mlo_testing_hbk_stateSpecific .concept}",
      "content": "nd CE Requirements for MLOs\n-   **Texas-OCCC**  \nTexas-OCCC PE and CE Requirements for MLOs\n-   **Texas - SML**  \nTexas - SML PE and CE Requirements for MLOs\n-   **Utah - DFI**  \nUtah - DFI PE and CE Requirements for MLOs\n-   **Utah - DRE**  \nUtah - DRE PE and CE Requirements for MLOs\n-   **Vermont**  \nState PE and CE Requirements for MLOs\n-   **Virgin Islands**  \nState PE and CE Requirements for MLOs\n-   **Virginia**  \nState PE and CE Requirements for MLOs\n-   **Washington**  \nState PE and CE Requirements for MLOs\n-   **West Virginia**  \nState PE and CE Requirements for MLOs\n-   **Wisconsin**  \nState PE and CE Requirements for MLOs\n-   **Wyoming**  \nState PE and CE Requirements for MLOs",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific-1.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific-1.md",
      "headings": [
        "State-Specific Education Requirements \\(PE and CE\\) {#mlo_testing_hbk_stateSpecific .concept}",
        "Agencies listed in this table require state-specific education hours \\(see specific agency for key details\\): { .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific-1.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific.md:chunk-0",
      "title": "State-Specific Education Requirements \\(PE and CE\\) {#mlo_testing_hbk_stateSpecific .concept}",
      "content": "# State-Specific Education Requirements \\(PE and CE\\) \n\nMany MLO licensing agencies have unique state specific education requirements. Find the pre-licensing education \\(PE\\) and continuing education \\(CE\\) requirements for each state agency, including state specific education hours, PE expiration, CE deadlines, and other unique requirements.\n\nPE Expiration\n:   Find an agency's PE expiration status - if listed as \"enacted\" then that agency expires PE. See PE Expiration Policy for the conditions that cause PE to expire.\n\nUniform CE Policy\n:   As a condition for license renewal, an MLO is required to complete at least eight \\(8\\) hours of CE in the same year in which a state agency placed the license in an approved status with the following exception: An MLO who reached federal pre-licensure education \\(PE\\) compliance in the same year in which the license was approved is not required to complete CE.\n\nSMART CE Deadline\n:   MLOs are prevented from applying to renew their license if they have not satisfied CE requirements. You must satisfy your CE requirements before you can renew your license. Since it may take as long as seven \\(7\\) days for a course provider to report a course completion into NMLS,\n\n    **Important:** MLOs are encouraged to complete CE by the SMART CE Deadline: December 5th\n\n    **Note:** An agency could have a CE deadline sooner than those listed above. Deadlines are listed in each agency's section.\n\n## Agencies listed in this table require state-specific education hours \\(see specific agency for key details\\): { .section}\n\nClick on an agency to jump to its requirements.\n\n|State|State PE Hours|Total PE Hours|State CE Hours|Total CE Hours| |State|State PE Hours|Total PE Hours|State CE Hours|Total CE Hours|\n|-----|:------------:|:------------:|:------------:|:------------:|---|-----|:------------:|:------------:|:------------:|:------------:|\n|AZ|4|20|1|8| |NV\\*|4|30|0|8|\n|CA-DFPI|2|20|1|8| |NJ|4|20|2|12|\n|CO|2|20|0|8| |NM|3|20|1|8|\n|CT|1|21|1|8| |NY\\",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific.md",
      "headings": [
        "State-Specific Education Requirements \\(PE and CE\\) {#mlo_testing_hbk_stateSpecific .concept}",
        "Agencies listed in this table require state-specific education hours \\(see specific agency for key details\\): { .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific.md:chunk-1",
      "title": "State-Specific Education Requirements \\(PE and CE\\) {#mlo_testing_hbk_stateSpecific .concept}",
      "content": "--:|:------------:|---|-----|:------------:|:------------:|:------------:|:------------:|\n|AZ|4|20|1|8| |NV\\*|4|30|0|8|\n|CA-DFPI|2|20|1|8| |NJ|4|20|2|12|\n|CO|2|20|0|8| |NM|3|20|1|8|\n|CT|1|21|1|8| |NY\\*|3|20|3|11|\n|DC|3|20|1|8| |NC\\*|4|24|1|8|\n|FL|2|20|1|8| |NH|2|20|0|8|\n|GA|0|20|1|8| |OH\\*|4|24|0|8|\n|HI|3|20|1|8| |OK|1|20|0|8|\n|ID|2|20|1|8| |OR\\*|4|20|2|10|\n|IN-SOS|2|20|0|8| |PA|3|20|1|8|\n|KY\\*|0|20|1|8| |RI|3|20|1|8|\n|MD|5|20|1|8| |SC-BFI|3|20|1|8|\n|MA|3|20|1|8| |SC-DCA|3|20|1|8|\n|MI|2|20|0|8| |TN|2|20|0|8|\n|MN\\*|0|20|1|8| |TX-SML|3|23|0|8|\n|MS|4|20|0|8| |UT-DRE\\*|15|35|1|9|\n|MO|0|20|1|8| |VT|2|20|0|8|\n|MT|2|20|0|8| |WA|4|22|1|9|\n|NE|2|22|0|8| |WV|4|24|2|9|\n\n\\* See agency's section for details.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific.md",
      "headings": [
        "State-Specific Education Requirements \\(PE and CE\\) {#mlo_testing_hbk_stateSpecific .concept}",
        "Agencies listed in this table require state-specific education hours \\(see specific agency for key details\\): { .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_AR.md:chunk-0",
      "title": "Arkansas {#mlo_testing_hbk_stateSpecific_AR .concept}",
      "content": "# Arkansas \n\nState PE and CE Requirements for MLOs\n\n## Pre-Licensure Education Requirements \n\nNew state-licensed MLOs are required to complete 20 hours of NMLS-approved education. This education must include 3 hours of Federal law, 3 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), 2 hours of non-traditional mortgage lending, plus 12 hours of undefined education \\(referred to as electives\\). AR does not have a requirement for instruction on state-specific law.\n\nNumber of hours is 3/3/2/12 = 20\n\n**PE Expiration: Pending Enactment** See the State Licensing Checklist Compiler for details.\n\n## Continuing Education Requirements \n\n**MLO:** Every state licensed MLO \\(in any approved status\\) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed \\(unless PE was completed in the same year\\).Annual CE education must include 3 hours of Federal law, 2 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), 2 hours of non-traditional mortgage lending, plus one \\(1\\) additional hour of undefined \\(referred to as an elective\\).\n\nNumber of hours is 3/2/2/1 = 8\n\n**Additional Persons: N/A**\n\n\n\nIf I became federal compliant for PE between 2009–2024\n\n\n\nand was licensed between 2009–2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**YES**\n\n\n\nIf I became federal compliant for PE in 2025\n\n\n\nand I was approved for an initial license in 2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**No**\n\n\n## Deadline \n\n**The deadline to complete CE is December 31**. However, MLOs in AR are prevented from applying to renew their license if they have not completed CE. Since it may take as long as seven \\(7\\) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time\n\n**Parent topic:**State-Specific Education Require",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_AR.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_AR.md",
      "headings": [
        "Arkansas {#mlo_testing_hbk_stateSpecific_AR .concept}",
        "Pre-Licensure Education Requirements {#section_jhs_x1j_mbc .section}",
        "Continuing Education Requirements {#section_khs_x1j_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_AR.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_AR.md:chunk-1",
      "title": "Arkansas {#mlo_testing_hbk_stateSpecific_AR .concept}",
      "content": "LS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time\n\n**Parent topic:**State-Specific Education Requirements \\(PE and CE\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_AR.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_AR.md",
      "headings": [
        "Arkansas {#mlo_testing_hbk_stateSpecific_AR .concept}",
        "Pre-Licensure Education Requirements {#section_jhs_x1j_mbc .section}",
        "Continuing Education Requirements {#section_khs_x1j_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_AR.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_CA_dfpi.md:chunk-0",
      "title": "California - Department of Financial Protection and Innovation {#mlo_testing_hbk_stateSpecific_CA_dfpi .concept}",
      "content": "# California - Department of Financial Protection and Innovation \n\nCA DFPI PE and CE Requirements for MLOs\n\n## Pre-Licensure Education Requirements \n\nNew state-licensed MLOs are required to complete 20 hours of NMLS-approved education.This education must include 3 hours of Federal law, 3 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), 2 hours of non-traditional mortgage lending, plus 10 hours of undefined education \\(referred to as electives\\) + 2 hours of CA-DFPI law.\n\n**Important:** CA-DFPI has a requirement for 2 hours of instruction on state-specific laws which may be satisfied by either taking a CA-DFPI comprehensive course or a state-specific elective course\n\n.\n\nNumber of hours is 3/3/2/10/ + 2hrs of CA-DFPI law = 20\n\n**PE Expiration: Pending Enactment** See the State Licensing Checklist Compiler for details.\n\n## Continuing Education Requirements \n\n**MLO:** Every state licensed MLO \\(in any approved status\\) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed \\(unless PE was completed in the same year\\).Annual CE education must include 3 hours of Federal law, 2 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), 2 hours of non-traditional mortgage lending, *plus one \\(1\\) additional hour of CA-DFPI specific education* \\(referred to as an elective\\).\n\nNumber of hours is 3/2/2/ + 1hr of agency law = 8\n\n**Additional Persons: N/A**\n\n\n\nIf I became federal compliant for PE between 2009–2024\n\n\n\nand was licensed between 2009–2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**YES**\n\n\n\nIf I became federal compliant for PE in 2025\n\n\n\nand I was approved for an initial license in 2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**No**\n\n\n## Deadline \n\n**The deadline to complete CE is December 31**. However, MLOs with CA-DFPI are prevented from applying to renew their license if they have not completed CE. Since it may take as long",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_CA_dfpi.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_CA_dfpi.md",
      "headings": [
        "California - Department of Financial Protection and Innovation {#mlo_testing_hbk_stateSpecific_CA_dfpi .concept}",
        "Pre-Licensure Education Requirements {#section_nhs_x1j_mbc .section}",
        "Continuing Education Requirements {#section_ohs_x1j_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_CA_dfpi.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_CA_dfpi.md:chunk-1",
      "title": "California - Department of Financial Protection and Innovation {#mlo_testing_hbk_stateSpecific_CA_dfpi .concept}",
      "content": "*\n\n\n## Deadline \n\n**The deadline to complete CE is December 31**. However, MLOs with CA-DFPI are prevented from applying to renew their license if they have not completed CE. Since it may take as long as seven \\(7\\) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.\n\n**Parent topic:**State-Specific Education Requirements \\(PE and CE\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_CA_dfpi.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_CA_dfpi.md",
      "headings": [
        "California - Department of Financial Protection and Innovation {#mlo_testing_hbk_stateSpecific_CA_dfpi .concept}",
        "Pre-Licensure Education Requirements {#section_nhs_x1j_mbc .section}",
        "Continuing Education Requirements {#section_ohs_x1j_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_CA_dfpi.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_CAdre.md:chunk-0",
      "title": "California – Department of Real Estate {#mlo_testing_hbk_stateSpecific_CAdre .concept}",
      "content": "# California – Department of Real Estate \n\nCA DRE PE and CE Requirements for MLOs\n\n## Pre-Licensure Education Requirements \n\nNew state-licensed MLOs are required to complete 20 hours of NMLS-approved education.This education must include 3 hours of Federal law, 3 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), 2 hours of non-traditional mortgage lending, plus 12 hours of undefined education \\(referred to as electives\\).\n\nNumber of hours is 3/3/2/12 = 20\n\nCA-DRE does not have a requirement for instruction on state-specific law.\n\n**PE Expiration: Pending Enactment** See the State Licensing Checklist Compiler for details.\n\n## Continuing Education Requirements \n\n**MLO:** Every state licensed MLO \\(in any approved status\\) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed \\(unless PE was completed in the same year\\).Annual CE education must include 3 hours of Federal law, 2 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), 2 hours of non-traditional mortgage lending, plus one \\(1\\) additional hour of undefined \\(referred to as an elective\\).\n\nNumber of hours is 3/2/2/1 = 8\n\n**Additional Persons: N/A**\n\n\n\nIf I became federal compliant for PE between 2009–2024\n\n\n\nand was licensed between 2009–2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**YES**\n\n\n\nIf I became federal compliant for PE in 2025\n\n\n\nand I was approved for an initial license in 2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**No**\n\n\n## Deadline \n\n**The deadline to complete CE is December 31**. However, MLOs with CA-DRE are prevented from applying to renew their license if they have not completed CE. Since it may take as long as seven \\(7\\) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.\n\n**Paren",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_CAdre.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_CAdre.md",
      "headings": [
        "California – Department of Real Estate {#mlo_testing_hbk_stateSpecific_CAdre .concept}",
        "Pre-Licensure Education Requirements {#section_rhs_x1j_mbc .section}",
        "Continuing Education Requirements {#section_shs_x1j_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_CAdre.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_CAdre.md:chunk-1",
      "title": "California – Department of Real Estate {#mlo_testing_hbk_stateSpecific_CAdre .concept}",
      "content": "der to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.\n\n**Parent topic:**State-Specific Education Requirements \\(PE and CE\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_CAdre.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_CAdre.md",
      "headings": [
        "California – Department of Real Estate {#mlo_testing_hbk_stateSpecific_CAdre .concept}",
        "Pre-Licensure Education Requirements {#section_rhs_x1j_mbc .section}",
        "Continuing Education Requirements {#section_shs_x1j_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_CAdre.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_CO.md:chunk-0",
      "title": "Colorado {#mlo_testing_hbk_stateSpecific_CO .concept}",
      "content": "# Colorado \n\nState PE and CE Requirements for MLOs\n\n## Pre-Licensure Education Requirements \n\nNew state-licensed MLOs are required to complete 20 hours of NMLS-approved education.This education must include 3 hours of Federal law, 3 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), 2 hours of non-traditional mortgage lending, plus 10 hours of undefined education \\(referred to as electives\\) + 2 hours of CO law.\n\n**Important:** CO has a requirement for 2 hours of instruction on state-specific laws which may be satisfied by either taking a CO comprehensive course or a state-specific elective course\n\n.\n\nNumber of hours is 3/3/2/10/ + 2hrs of CO law = 20\n\n**PE Expiration: Enacted**See the CO Requirements Checklistfor details.\n\n**PE Expiration: Enacted** See the State Licensing Checklist Compiler for details.\n\n## Continuing Education Requirements \n\n**MLO:** Every state licensed MLO \\(in any approved status\\) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed \\(unless PE was completed in the same year\\).Annual CE education must include 3 hours of Federal law, 2 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), 2 hours of non-traditional mortgage lending, plus one \\(1\\) additional hour of undefined \\(referred to as an elective\\).\n\nNumber of hours is 3/2/2/1 = 8\n\n**Additional Persons: N/A**\n\n\n\nIf I became federal compliant for PE between 2009–2024\n\n\n\nand was licensed between 2009–2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**YES**\n\n\n\nIf I became federal compliant for PE in 2025\n\n\n\nand I was approved for an initial license in 2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**No**\n\n\n## Deadline \n\n**The deadline to complete CE is December 31**. However, MLOs in Colorado are prevented from applying to renew their license if they have not completed CE. Since it may take as long as seven \\(7\\) days for a course provider to report",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_CO.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_CO.md",
      "headings": [
        "Colorado {#mlo_testing_hbk_stateSpecific_CO .concept}",
        "Pre-Licensure Education Requirements {#section_vhs_x1j_mbc .section}",
        "Continuing Education Requirements {#section_whs_x1j_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_CO.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_CO.md:chunk-1",
      "title": "Colorado {#mlo_testing_hbk_stateSpecific_CO .concept}",
      "content": "December 31**. However, MLOs in Colorado are prevented from applying to renew their license if they have not completed CE. Since it may take as long as seven \\(7\\) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.\n\n**Parent topic:**State-Specific Education Requirements \\(PE and CE\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_CO.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_CO.md",
      "headings": [
        "Colorado {#mlo_testing_hbk_stateSpecific_CO .concept}",
        "Pre-Licensure Education Requirements {#section_vhs_x1j_mbc .section}",
        "Continuing Education Requirements {#section_whs_x1j_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_CO.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_CT.md:chunk-0",
      "title": "Connecticut {#mlo_testing_hbk_stateSpecific_CT .concept}",
      "content": "# Connecticut \n\nState PE and CE Requirements for MLOs\n\n## Pre-Licensure Education Requirements \n\nNew state-licensed MLOs are required to complete 20 hours of NMLS-approved education. This education must include 3 hours of Federal law, 3 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), 2 hours of non-traditional mortgage lending, plus 12 hours of undefined education \\(referred to as electives\\) + 1 hour of CT law.\n\n**Important:** Connecticut has a requirement for 1 hour of instruction on state-specific laws which may be satisfied by either taking a CT comprehensive course or a state-specific elective course.\n\nNumber of hours is 3/3/2/12/ + 1hr of CT law = 21\n\n**PE Expiration: Enacted** See the State Licensing Checklist Compiler for details.\n\n## Continuing Education Requirements \n\n**MLO:** Every state licensed MLO \\(in any approved status\\) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed \\(unless PE was completed in the same year\\).Annual CE education must include 3 hours of Federal law, 2 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), and 2 hours of non-traditional mortgage lending, *plus one \\(1\\) additional hour of CT education*.\n\nNumber of hours is 3/2/2/ + 1hr of CT law = 8\n\n**Additional Persons:**Mortgage Loan Process and Under Writer Licenses. See the CT Renewal Requirements Checklist for details.\n\n\n\nIf I became federal compliant for PE between 2009–2024\n\n\n\nand was licensed between 2009–2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**YES**\n\n\n\nIf I became federal compliant for PE in 2025\n\n\n\nand I was approved for an initial license in 2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**No**\n\n\n## Deadline \n\n**The deadline to complete CE is December 31**. However, MLOs in Connecticut are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven \\(7\\) days ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_CT.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_CT.md",
      "headings": [
        "Connecticut {#mlo_testing_hbk_stateSpecific_CT .concept}",
        "Pre-Licensure Education Requirements {#section_zhs_x1j_mbc .section}",
        "Continuing Education Requirements {#section_a3s_x1j_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_CT.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_CT.md:chunk-1",
      "title": "Connecticut {#mlo_testing_hbk_stateSpecific_CT .concept}",
      "content": "deadline to complete CE is December 31**. However, MLOs in Connecticut are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven \\(7\\) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.\n\n**Parent topic:**State-Specific Education Requirements \\(PE and CE\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_CT.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_CT.md",
      "headings": [
        "Connecticut {#mlo_testing_hbk_stateSpecific_CT .concept}",
        "Pre-Licensure Education Requirements {#section_zhs_x1j_mbc .section}",
        "Continuing Education Requirements {#section_a3s_x1j_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_CT.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_DC.md:chunk-0",
      "title": "District of Columbia {#mlo_testing_hbk_stateSpecific_DC .concept}",
      "content": "# District of Columbia \n\nState PE and CE Requirements for MLOs\n\n## Pre-Licensure Education Requirements \n\nNew state-licensed MLOs are required to complete 20 hours of NMLS-approved education.This education must include 3 hours of Federal law, 3 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), 2 hours of non-traditional mortgage lending, plus 9 hours of undefined education \\(referred to as electives\\) + 3 hours of DC law.\n\n**Important:** DC has a requirement for 3 hours of instruction on state-specific law which may be satisfied by either taking a DC comprehensive course or a state-specific elective course.\n\nNumber of hours is 3/3/2/9/+ 3hrs of DC law = 20\n\n**PE Expiration: Pending Enactment** See the State Licensing Checklist Compiler for details.\n\n## Continuing Education Requirements \n\n**MLO:** Every state licensed MLO \\(in any approved status\\) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed \\(unless PE was completed in the same year\\).Annual CE education must include 3 hours of Federal law, 2 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), and 2 hours of non-traditional mortgage lending, *plus one \\(1\\) additional hour of DC-specific education* \\(referred to as an elective\\).\n\nNumber of hours is 3/2/2/+ 1hr of DC law = 8\n\n**Additional Persons:** N/A\n\n\n\nIf I became federal compliant for PE between 2009–2024\n\n\n\nand was licensed between 2009–2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**YES**\n\n\n\nIf I became federal compliant for PE in 2025\n\n\n\nand I was approved for an initial license in 2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**No**\n\n\n## Deadline \n\n**The deadline to complete CE is November 1**. However, MLOs in DC are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven \\(7\\) days for a course provider to report a course completion into NMLS,",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_DC.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_DC.md",
      "headings": [
        "District of Columbia {#mlo_testing_hbk_stateSpecific_DC .concept}",
        "Pre-Licensure Education Requirements {#section_h3s_x1j_mbc .section}",
        "Continuing Education Requirements {#section_i3s_x1j_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_DC.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_DC.md:chunk-1",
      "title": "District of Columbia {#mlo_testing_hbk_stateSpecific_DC .concept}",
      "content": "Os in DC are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven \\(7\\) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.\n\n**Parent topic:**State-Specific Education Requirements \\(PE and CE\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_DC.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_DC.md",
      "headings": [
        "District of Columbia {#mlo_testing_hbk_stateSpecific_DC .concept}",
        "Pre-Licensure Education Requirements {#section_h3s_x1j_mbc .section}",
        "Continuing Education Requirements {#section_i3s_x1j_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_DC.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_FL.md:chunk-0",
      "title": "Florida {#mlo_testing_hbk_stateSpecific_FL .concept}",
      "content": "# Florida \n\nState PE and CE Requirements for MLOs\n\n## Pre-Licensure Education Requirements \n\nNew state-licensed MLOs are required to complete 20 hours of NMLS-approved education.This education must include 3 hours of Federal law, 3 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), 2 hours of non-traditional mortgage lending, 10 hours of undefined education \\(referred to as electives\\), plus 2 hours of FL Law.\n\n**Important:** FL has a requirement for 2 hours of instruction on state-specific law which may be satisfied by either taking a FL comprehensive course or a state-specific elective course.\n\nNumber of hours is 3/3/2/10 + 2 Hours of FL law = 20\n\n**PE Expiration: Pending Enactment** See the State Licensing Checklist Compiler for details.\n\n## Continuing Education Requirements \n\n**MLO:** Every state licensed MLO \\(in any approved status\\) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed \\(unless PE was completed in the same year\\).Annual CE education must include 3 hours of Federal law, 2 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), and 2 hours of non-traditional mortgage lending, *plus one \\(1\\) additional hour of FL-specific education* \\(referred to as an elective\\).\n\nNumber of hours is 3/2/2 + 1 hour of FL law = 8\n\n**Additional Persons:** N/A\n\n\n\nIf I became federal compliant for PE between 2009–2024\n\n\n\nand was licensed between 2009–2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**YES**\n\n\n\nIf I became federal compliant for PE in 2025\n\n\n\nand I was approved for an initial license in 2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**No**\n\n\n## Deadline \n\n**The deadline to complete CE is December 31**. However, MLOs in Florida are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven \\(7\\) days for a course provider to report a course completion into NMLS,",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_FL.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_FL.md",
      "headings": [
        "Florida {#mlo_testing_hbk_stateSpecific_FL .concept}",
        "Pre-Licensure Education Requirements {#section_l3s_x1j_mbc .section}",
        "Continuing Education Requirements {#section_m3s_x1j_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_FL.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_FL.md:chunk-1",
      "title": "Florida {#mlo_testing_hbk_stateSpecific_FL .concept}",
      "content": " Florida are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven \\(7\\) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.\n\n**Parent topic:**State-Specific Education Requirements \\(PE and CE\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_FL.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_FL.md",
      "headings": [
        "Florida {#mlo_testing_hbk_stateSpecific_FL .concept}",
        "Pre-Licensure Education Requirements {#section_l3s_x1j_mbc .section}",
        "Continuing Education Requirements {#section_m3s_x1j_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_FL.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_GA.md:chunk-0",
      "title": "Georgia {#mlo_testing_hbk_stateSpecific_GA .concept}",
      "content": "# Georgia \n\nState PE and CE Requirements for MLOs\n\n## Pre-Licensure Education Requirements \n\nNew state-licensed MLOs are required to complete 20 hours of NMLS-approved education.This education must include 3 hours of Federal law, 3 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), 2 hours of non-traditional mortgage lending, plus 12 hours of undefined education \\(referred to as electives\\).\n\nNumber of hours is 3/3/2/12 = 20\n\n**PE Expiration: Enacted** See the State Licensing Checklist Compiler for details.\n\n## Continuing Education Requirements \n\n**MLO:** Every state licensed MLO \\(in any approved status\\) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed \\(unless PE was completed in the same year\\).Annual CE education must include 3 hours of Federal law, 2 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), and 2 hours of non-traditional mortgage lending, *plus one \\(1\\) additional hour of GA-specific education* \\(referred to as an elective\\).\n\nNumber of hours is 3/2/2/+ 1hr of GA law = 8\n\n**Additional Persons:** N/A\n\n\n\nIf I became federal compliant for PE between 2009–2024\n\n\n\nand was licensed between 2009–2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**YES**\n\n\n\nIf I became federal compliant for PE in 2025\n\n\n\nand I was approved for an initial license in 2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**No**\n\n\n## Deadline \n\n**The deadline to complete CE is October 31**. However, MLOs in Georgia are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven \\(7\\) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.\n\n**Attention:** GA may assess a $100 late fee outside of NMLS if CE is completed after October",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_GA.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_GA.md",
      "headings": [
        "Georgia {#mlo_testing_hbk_stateSpecific_GA .concept}",
        "Pre-Licensure Education Requirements {#section_p3s_x1j_mbc .section}",
        "Continuing Education Requirements {#section_q3s_x1j_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_GA.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_GA.md:chunk-1",
      "title": "Georgia {#mlo_testing_hbk_stateSpecific_GA .concept}",
      "content": "until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.\n\n**Attention:** GA may assess a $100 late fee outside of NMLS if CE is completed after October 31.\n\n**Parent topic:**State-Specific Education Requirements \\(PE and CE\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_GA.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_GA.md",
      "headings": [
        "Georgia {#mlo_testing_hbk_stateSpecific_GA .concept}",
        "Pre-Licensure Education Requirements {#section_p3s_x1j_mbc .section}",
        "Continuing Education Requirements {#section_q3s_x1j_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_GA.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_Guam.md:chunk-0",
      "title": "Guam {#mlo_testing_hbk_stateSpecific_Guam .concept}",
      "content": "# Guam \n\nState PE and CE Requirements for MLOs\n\n## Pre-Licensure Education Requirements { .section}\n\nNew state-licensed MLOs are required to complete 20 hours of NMLS-approved education.This education must include 3 hours of Federal law, 3 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), 2 hours of non-traditional mortgage lending, plus 12 hours of undefined education \\(referred to as electives\\).\n\nNumber of hours is 3/3/2/12 = 20\n\n**PE Expiration: Pending Enactment** See the State Licensing Checklist Compiler for details.\n\n## Continuing Education Requirements \n\n**MLO:** Every state licensed MLO \\(in any approved status\\) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed \\(unless PE was completed in the same year\\).Annual CE education must include 3 hours of Federal law, 2 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), 2 hours of non-traditional mortgage lending, plus one \\(1\\) additional hour of undefined \\(referred to as an elective\\).\n\nNumber of hours is 3/2/2/1 = 8\n\n**Additional Persons**: N/A\n\n\n\nIf I became federal compliant for PE between 2009–2024\n\n\n\nand was licensed between 2009–2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**YES**\n\n\n\nIf I became federal compliant for PE in 2025\n\n\n\nand I was approved for an initial license in 2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**No**\n\n\n## Deadline \n\n**The deadline to complete CE is December 31**. However, MLOs in Guam are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven \\(7\\) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.\n\n**Parent topic:**State-Specific Education Requirements \\(PE and CE\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_Guam.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_Guam.md",
      "headings": [
        "Guam {#mlo_testing_hbk_stateSpecific_Guam .concept}",
        "Pre-Licensure Education Requirements { .section}",
        "Continuing Education Requirements {#section_t3s_x1j_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_Guam.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_HI.md:chunk-0",
      "title": "Hawaii {#mlo_testing_hbk_stateSpecific_HI .concept}",
      "content": "# Hawaii \n\nState PE and CE Requirements for MLOs\n\n## Pre-Licensure Education Requirements \n\nNew state-licensed MLOs are required to complete 20 hours of NMLS-approved education.This education must include 3 hours of Federal law, 3 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), 2 hours of non-traditional mortgage lending, plus 12 hours of undefined education \\(referred to as electives\\).\n\n**Important:** Hawaii has a requirement for 3 hours of instruction on state-specific law which may be satisfied by either taking a HI comprehensive course or a state-specific elective course.\n\nNumber of hours is 3/3/2/9/+ 3hrs of HI Law = 20\n\n**PE Expiration: Enacted** See the State Licensing Checklist Compiler for details.\n\n## Continuing Education Requirements \n\n**MLO:** Every state licensed MLO \\(in any approved status\\) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed \\(unless PE was completed in the same year\\).Annual CE education must include 3 hours of Federal law, 2 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), and 2 hours of non-traditional mortgage lending, *plus one \\(1\\) additional hour of HI-specific education* \\(referred to as an elective\\).\n\nNumber of hours is 3/2/2 + 1hr of HI law = 8\n\n**Additional Persons**: N/A\n\n\n\nIf I became federal compliant for PE between 2009–2024\n\n\n\nand was licensed between 2009–2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**YES**\n\n\n\nIf I became federal compliant for PE in 2025\n\n\n\nand I was approved for an initial license in 2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**No**\n\n\n## Deadline \n\n**The deadline to complete CE is December 31**. However, MLOs in Hawaii are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven \\(7\\) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_HI.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_HI.md",
      "headings": [
        "Hawaii {#mlo_testing_hbk_stateSpecific_HI .concept}",
        "Pre-Licensure Education Requirements {#section_w3s_x1j_mbc .section}",
        "Continuing Education Requirements {#section_x3s_x1j_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_HI.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_HI.md:chunk-1",
      "title": "Hawaii {#mlo_testing_hbk_stateSpecific_HI .concept}",
      "content": "ing to renew their license if they have not completed CE. Since it may take as long as seven \\(7\\) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.\n\n**Parent topic:**State-Specific Education Requirements \\(PE and CE\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_HI.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_HI.md",
      "headings": [
        "Hawaii {#mlo_testing_hbk_stateSpecific_HI .concept}",
        "Pre-Licensure Education Requirements {#section_w3s_x1j_mbc .section}",
        "Continuing Education Requirements {#section_x3s_x1j_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_HI.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_IA.md:chunk-0",
      "title": "Iowa {#mlo_testing_hbk_stateSpecific_IA .concept}",
      "content": "# Iowa \n\nState PE and CE Requirements for MLOs\n\n## Pre-Licensure Education Requirements \n\nNew state-licensed MLOs are required to complete 20 hours of NMLS-approved education.This education must include 3 hours of Federal law, 3 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), 2 hours of non-traditional mortgage lending, plus 12 hours of undefined education \\(referred to as electives\\).\n\nNumber of hours is 3/3/2/12 = 20\n\n**PE Expiration: Enacted** See the State Licensing Checklist Compiler for details.\n\n## Continuing Education Requirements \n\n**MLO:** Every state licensed MLO \\(in any approved status\\) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed \\(unless PE was completed in the same year\\).Annual CE education must include 3 hours of Federal law, 2 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), 2 hours of non-traditional mortgage lending, plus one \\(1\\) additional hour of undefined \\(referred to as an elective\\).\n\nNumber of hours is 3/2/2/1 = 8\n\n**Additional Persons: N/A**\n\n\n\nIf I became federal compliant for PE between 2009–2024\n\n\n\nand was licensed between 2009–2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**YES**\n\n\n\nIf I became federal compliant for PE in 2025\n\n\n\nand I was approved for an initial license in 2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**No**\n\n\n## Deadline \n\n**The deadline to complete CE is December 1**. However, MLOs in Iowa are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven \\(7\\) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.\n\n**Parent topic:**State-Specific Education Requirements \\(PE and CE\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_IA.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_IA.md",
      "headings": [
        "Iowa {#mlo_testing_hbk_stateSpecific_IA .concept}",
        "Pre-Licensure Education Requirements {#section_qjs_x1j_mbc .section}",
        "Continuing Education Requirements {#section_rjs_x1j_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_IA.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_ID.md:chunk-0",
      "title": "Idaho {#mlo_testing_hbk_stateSpecific_ID .concept}",
      "content": "# Idaho \n\nState PE and CE Requirements for MLOs\n\n## Pre-Licensure Education Requirements \n\nNew state-licensed MLOs are required to complete 20 hours of NMLS-approved education.This education must include 3 hours of Federal law, 3 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), 2 hours of non-traditional mortgage lending, plus 10 hours of undefined education \\(referred to as electives\\) + 2 hours of ID law.\n\n**Important:** Idaho has a requirement for 2 hours of instruction on state-specific law which may be satisfied by either taking an ID comprehensive course or a state-specific elective course.\n\nNumber of hours is 3/3/2/10/+ 2hrs of ID law = 20\n\n**PE Expiration: Enacted** See the State Licensing Checklist Compiler for details.\n\n## Continuing Education Requirements \n\n**MLO:** Every state licensed MLO \\(in any approved status\\) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed \\(unless PE was completed in the same year\\).Annual CE education must include 3 hours of Federal law, 2 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), and 2 hours of non-traditional mortgage lending, *plus one \\(1\\) additional hour of ID-specific education* \\(referred to as an elective\\).\n\nNumber of hours is 3/2/2/+ 1hr of ID law = 8\n\n**Additional Persons:** N/A\n\n\n\nIf I became federal compliant for PE between 2009–2024\n\n\n\nand was licensed between 2009–2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**YES**\n\n\n\nIf I became federal compliant for PE in 2025\n\n\n\nand I was approved for an initial license in 2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**No**\n\n\n## Deadline \n\n**The deadline to complete CE is December 1**. However, MLOs in Idaho are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven \\(7\\) days for a course provider to report a course completion into NMLS, MLOs are strong",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_ID.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_ID.md",
      "headings": [
        "Idaho {#mlo_testing_hbk_stateSpecific_ID .concept}",
        "Pre-Licensure Education Requirements {#section_ajs_x1j_mbc .section}",
        "Continuing Education Requirements {#section_bjs_x1j_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_ID.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_ID.md:chunk-1",
      "title": "Idaho {#mlo_testing_hbk_stateSpecific_ID .concept}",
      "content": "hibited from applying to renew their license if they have not completed CE. Since it may take as long as seven \\(7\\) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.\n\n**Parent topic:**State-Specific Education Requirements \\(PE and CE\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_ID.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_ID.md",
      "headings": [
        "Idaho {#mlo_testing_hbk_stateSpecific_ID .concept}",
        "Pre-Licensure Education Requirements {#section_ajs_x1j_mbc .section}",
        "Continuing Education Requirements {#section_bjs_x1j_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_ID.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_IL.md:chunk-0",
      "title": "Illinois {#mlo_testing_hbk_stateSpecific_IL .concept}",
      "content": "# Illinois \n\nState PE and CE Requirements for MLOs\n\n## Pre-Licensure Education Requirements \n\nNew state-licensed MLOs are required to complete 20 hours of NMLS-approved education.This education must include 3 hours of Federal law, 3 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), 2 hours of non-traditional mortgage lending, plus 12 hours of undefined education \\(referred to as electives\\).\n\nNumber of hours is 3/3/2/12 = 20\n\n**PE Expiration: Enacted** See the State Licensing Checklist Compiler for details.\n\n## Continuing Education Requirements \n\n**MLO:** Every state licensed MLO \\(in any approved status\\) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed \\(unless PE was completed in the same year\\).Annual CE education must include 3 hours of Federal law, 2 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), 2 hours of non-traditional mortgage lending, plus one \\(1\\) additional hour of undefined \\(referred to as an elective\\).\n\nNumber of hours is 3/2/2/1 = 8\n\n**Additional Persons:** N/A\n\n\n\nIf I became federal compliant for PE between 2009–2024\n\n\n\nand was licensed between 2009–2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**YES**\n\n\n\nIf I became federal compliant for PE in 2025\n\n\n\nand I was approved for an initial license in 2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**No**\n\n\n## Deadline \n\n**The deadline to complete CE is December 31**. However, MLOs in Illinois are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven \\(7\\) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.\n\n**Parent topic:**State-Specific Education Requirements \\(PE and CE\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_IL.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_IL.md",
      "headings": [
        "Illinois {#mlo_testing_hbk_stateSpecific_IL .concept}",
        "Pre-Licensure Education Requirements {#section_ejs_x1j_mbc .section}",
        "Continuing Education Requirements {#section_fjs_x1j_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_IL.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_IN-SOS.md:chunk-0",
      "title": "Indiana - SOS {#mlo_testing_hbk_stateSpecific_IN_SOE .concept}",
      "content": "# Indiana - SOS \n\nIndiana - SOS PE and CE Requirements for MLOs\n\n## Pre-Licensure Education Requirements \n\nNew state-licensed MLOs are required to complete 20 hours of NMLS-approved education.This education must include 3 hours of Federal law, 3 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), 2 hours of non-traditional mortgage lending, plus 10 hours of undefined education \\(referred to as electives\\) + 2 hours of IN law.\n\n**Important:** Indiana-SOS has a requirement for 2 hours of instruction on IN-SOS specific law which may be satisfied by either taking an IN comprehensive course or a state-specific elective course.\n\nNumber of hours is 3/3/2/10/+ 2hrs of IN law = 20\n\n**PE Expiration: Enacted** See the State Licensing Checklist Compiler for details.\n\n## Continuing Education Requirements \n\n**MLO:** Every state licensed MLO \\(in any approved status\\) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed \\(unless PE was completed in the same year\\).Annual CE education must include 3 hours of Federal law, 2 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), 2 hours of non-traditional mortgage lending, plus one \\(1\\) additional hour of undefined \\(referred to as an elective\\).\n\nNumber of hours is 3/2/2/1 = 8\n\n**Additional Persons:** N/A\n\n\n\nIf I became federal compliant for PE between 2009–2024\n\n\n\nand was licensed between 2009–2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**YES**\n\n\n\nIf I became federal compliant for PE in 2025\n\n\n\nand I was approved for an initial license in 2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**No**\n\n\n## Deadline \n\n**The deadline to complete CE is December 31**. However, MLOs with Indiana-SOS are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven \\(7\\) days for a course provider to report a course completion into NMLS, MLOs are strong",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_IN-SOS.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_IN-SOS.md",
      "headings": [
        "Indiana - SOS {#mlo_testing_hbk_stateSpecific_IN_SOE .concept}",
        "Pre-Licensure Education Requirements {#section_mjs_x1j_mbc .section}",
        "Continuing Education Requirements {#section_njs_x1j_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_IN-SOS.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_IN-SOS.md:chunk-1",
      "title": "Indiana - SOS {#mlo_testing_hbk_stateSpecific_IN_SOE .concept}",
      "content": "hibited from applying to renew their license if they have not completed CE. Since it may take as long as seven \\(7\\) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.\n\n**Parent topic:**State-Specific Education Requirements \\(PE and CE\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_IN-SOS.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_IN-SOS.md",
      "headings": [
        "Indiana - SOS {#mlo_testing_hbk_stateSpecific_IN_SOE .concept}",
        "Pre-Licensure Education Requirements {#section_mjs_x1j_mbc .section}",
        "Continuing Education Requirements {#section_njs_x1j_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_IN-SOS.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_IN-dfi.md:chunk-0",
      "title": "Indiana - DFI {#mlo_testing_hbk_stateSpecific_IN_dfi .concept}",
      "content": "# Indiana - DFI \n\nIndiana - DFI PE and CE Requirements for MLOs\n\n## Pre-Licensure Education Requirements \n\nNew state-licensed MLOs are required to complete 20 hours of NMLS-approved education.This education must include 3 hours of Federal law, 3 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), 2 hours of non-traditional mortgage lending, plus 12 hours of undefined education \\(referred to as electives\\).\n\nNumber of hours is 3/3/2/12 = 20\n\n**PE Expiration: Enacted** See the State Licensing Checklist Compiler for details.\n\n## Continuing Education Requirements \n\n**MLO:** Every state licensed MLO \\(in any approved status\\) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed \\(unless PE was completed in the same year\\).Annual CE education must include 3 hours of Federal law, 2 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), 2 hours of non-traditional mortgage lending, plus one \\(1\\) additional hour of undefined \\(referred to as an elective\\).\n\nNumber of hours is 3/2/2/1 = 8\n\n**Additional Persons:** N/A\n\n\n\nIf I became federal compliant for PE between 2009–2024\n\n\n\nand was licensed between 2009–2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**YES**\n\n\n\nIf I became federal compliant for PE in 2025\n\n\n\nand I was approved for an initial license in 2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**No**\n\n\n## Deadline \n\n**The deadline to complete CE is December 31.** However, MLOs with Indiana-DFI are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven \\(7\\) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.\n\n**Parent topic:**State-Specific Education Requirements \\(PE and CE\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_IN-dfi.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_IN-dfi.md",
      "headings": [
        "Indiana - DFI {#mlo_testing_hbk_stateSpecific_IN_dfi .concept}",
        "Pre-Licensure Education Requirements {#section_ijs_x1j_mbc .section}",
        "Continuing Education Requirements {#section_jjs_x1j_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_IN-dfi.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_KS.md:chunk-0",
      "title": "Kansas {#mlo_testing_hbk_stateSpecific_KS .concept}",
      "content": "# Kansas \n\nState PE and CE Requirements for MLOs\n\n## Pre-Licensure Education Requirements \n\nNew state-licensed MLOs are required to complete 20 hours of NMLS-approved education.This education must include 3 hours of Federal law, 3 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), 2 hours of non-traditional mortgage lending, plus 12 hours of undefined education \\(referred to as electives\\).\n\nNumber of hours is 3/3/2/12 = 20\n\n**PE Expiration: Enacted** See the State Licensing Checklist Compiler for details.\n\n## Continuing Education Requirements \n\n**MLO:** Every state licensed MLO \\(in any approved status\\) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed \\(unless PE was completed in the same year\\).Annual CE education must include 3 hours of Federal law, 2 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), 2 hours of non-traditional mortgage lending, plus one \\(1\\) additional hour of undefined \\(referred to as an elective\\).\n\nNumber of hours is 3/2/2/1 = 8\n\n**Additional Persons: N/A**\n\n\n\nIf I became federal compliant for PE between 2009–2024\n\n\n\nand was licensed between 2009–2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**YES**\n\n\n\nIf I became federal compliant for PE in 2025\n\n\n\nand I was approved for an initial license in 2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**No**\n\n\n## Deadline \n\n**The deadline to complete CE is December 1**. However, MLOs in Kansas are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven \\(7\\) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.\n\n**Parent topic:**State-Specific Education Requirements \\(PE and CE\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_KS.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_KS.md",
      "headings": [
        "Kansas {#mlo_testing_hbk_stateSpecific_KS .concept}",
        "Pre-Licensure Education Requirements {#section_ujs_x1j_mbc .section}",
        "Continuing Education Requirements {#section_vjs_x1j_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_KS.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_KY.md:chunk-0",
      "title": "Kentucky {#mlo_testing_hbk_stateSpecific_KY .concept}",
      "content": "# Kentucky \n\nState PE and CE Requirements for MLOs\n\n## Pre-Licensure Education Requirements \n\nNew state-licensed MLOs are required to complete 20 hours of NMLS-approved education.This education must include 3 hours of Federal law, 3 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), 2 hours of non-traditional mortgage lending, plus 12 hours of undefined education \\(referred to as electives\\).\n\nNumber of hours is 3/3/2/12 = 20\n\n**PE Expiration: Pending Enactment** See the State Licensing Checklist Compiler for details.\n\n## Continuing Education Requirements \n\n**MLO:** Every state licensed MLO \\(in any approved status\\) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed \\(unless PE was completed in the same year\\).Annual CE education must include 3 hours of Federal law, 2 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), and 2 hours of non-traditional mortgage lending, *1 hour of KY-specific education* \\(referred to as an elective\\).\n\nNumber of hours is 3/2/2 + 1hr of KY law = 8\n\n**Additional Persons: N/A**\n\n\n\nIf I became federal compliant for PE between 2009–2024\n\n\n\nand was licensed between 2009–2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**YES**\n\n\n\nIf I became federal compliant for PE in 2025\n\n\n\nand I was approved for an initial license in 2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**No**\n\n\n## Deadline \n\n**The deadline to complete CE is November 30**. However, MLOs in Kentucky are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven \\(7\\) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.\n\n**Parent topic:**State-Specific Education Requirements \\(PE and CE\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_KY.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_KY.md",
      "headings": [
        "Kentucky {#mlo_testing_hbk_stateSpecific_KY .concept}",
        "Pre-Licensure Education Requirements {#section_yjs_x1j_mbc .section}",
        "Continuing Education Requirements {#section_zjs_x1j_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_KY.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_LA.md:chunk-0",
      "title": "Louisiana {#mlo_testing_hbk_stateSpecific_LA .concept}",
      "content": "# Louisiana \n\nState PE and CE Requirements for MLOs\n\n## Pre-Licensure Education Requirements \n\nNew state-licensed MLOs are required to complete 20 hours of NMLS-approved education.This education must include 3 hours of Federal law, 3 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), 2 hours of non-traditional mortgage lending, plus 12 hours of undefined education \\(referred to as electives\\).\n\nNumber of hours is 3/3/2/12 = 20\n\n**PE Expiration: Pending Enactment** See the State Licensing Checklist Compiler for details.\n\n## Continuing Education Requirements \n\n**MLO:** Every state licensed MLO \\(in any approved status\\) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed \\(unless PE was completed in the same year\\).Annual CE education must include 3 hours of Federal law, 2 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), 2 hours of non-traditional mortgage lending, plus one \\(1\\) additional hour of undefined \\(referred to as an elective\\).\n\nNumber of hours is 3/2/2/1 = 8\n\n**Additional Persons:** N/A\n\n\n\nIf I became federal compliant for PE between 2009–2024\n\n\n\nand was licensed between 2009–2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**YES**\n\n\n\nIf I became federal compliant for PE in 2025\n\n\n\nand I was approved for an initial license in 2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**No**\n\n\n## Deadline \n\n**The deadline to complete CE is December 31**. However, MLOs in Louisiana are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven \\(7\\) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.\n\n**Parent topic:**State-Specific Education Requirements \\(PE and CE\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_LA.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_LA.md",
      "headings": [
        "Louisiana {#mlo_testing_hbk_stateSpecific_LA .concept}",
        "Pre-Licensure Education Requirements {#section_cks_x1j_mbc .section}",
        "Continuing Education Requirements {#section_dks_x1j_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_LA.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_MA.md:chunk-0",
      "title": "Massachusetts {#concept_etn_1bn_mbc .concept}",
      "content": "# Massachusetts \n\nState PE and CE Requirements for MLOs\n\n## Pre-Licensure Education Requirements \n\nNew state-licensed MLOs are required to complete 20 hours of NMLS-approved education.This education must include 3 hours of Federal law, 3 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), 2 hours of non-traditional mortgage lending, plus 9 hours of undefined education \\(referred to as electives\\) + 3 hours of MA law.\n\n**Important:** Massachusetts has a requirement for 3 hours of instruction on state-specific law which may be satisfied by either taking a MA comprehensive course or a state-specific elective course.\n\nNumber of hours is 3/3/2/9/+ 3hrs of MA law = 20\n\n**PE Expiration: Enacted** See the State Licensing Checklist Compiler for details.\n\n## Continuing Education Requirements \n\n**MLO:** Every state licensed MLO \\(in any approved status\\) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed \\(unless PE was completed in the same year\\).Annual CE education must include 3 hours of Federal law, 2 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), and 2 hours of non-traditional mortgage lending, *plus one \\(1\\) additional hour of MA-specific education* \\(referred to as an elective\\).\n\nNumber of hours is 3/2/2/+ 1hr of MA law = 8\n\n**Additional Persons:** N/A\n\n\n\nIf I became federal compliant for PE between 2009–2024\n\n\n\nand was licensed between 2009–2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**YES**\n\n\n\nIf I became federal compliant for PE in 2025\n\n\n\nand I was approved for an initial license in 2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**No**\n\n\n## Deadline \n\n**The deadline to complete CE is December 31**. However, MLOs in Massachusetts are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven \\(7\\) days for a course provider to report a course completion into",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_MA.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_MA.md",
      "headings": [
        "Massachusetts {#concept_etn_1bn_mbc .concept}",
        "Pre-Licensure Education Requirements {#section_oks_x1j_mbc .section}",
        "Continuing Education Requirements {#section_pks_x1j_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_MA.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_MA.md:chunk-1",
      "title": "Massachusetts {#concept_etn_1bn_mbc .concept}",
      "content": " Massachusetts are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven \\(7\\) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.\n\n**Parent topic:**State-Specific Education Requirements \\(PE and CE\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_MA.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_MA.md",
      "headings": [
        "Massachusetts {#concept_etn_1bn_mbc .concept}",
        "Pre-Licensure Education Requirements {#section_oks_x1j_mbc .section}",
        "Continuing Education Requirements {#section_pks_x1j_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_MA.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_MD.md:chunk-0",
      "title": "Maryland {#concept_xmt_z1n_mbc .concept}",
      "content": "# Maryland \n\nState PE and CE Requirements for MLOs\n\n## Pre-Licensure Education Requirements \n\nNew state-licensed MLOs are required to complete 20 hours of NMLS-approved education. This education must include 3 hours of Federal law, 3 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), 2 hours of non-traditional mortgage lending, plus 7 hours of undefined education \\(referred to as electives\\) + 5 hours of MD law which must include 3 hours of MD mortgage-related law and 2 hours of Maryland's finder-fees law.\n\n**Important:** Maryland has a requirement for 5 hours of instruction on state-specific law which may be satisfied by either taking a MD comprehensive course or a state-specific elective course.\n\nNumber of hours is 3/3/2/7/+ 5hrs of MD law = 20\n\n**PE Expiration: Pending Enactment** See the State Licensing Checklist Compiler for details.\n\n## Continuing Education Requirements \n\n**MLO:** Every state licensed MLO \\(in any approved status\\) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed \\(unless PE was completed in the same year\\).Annual CE education must include 3 hours of Federal law, 2 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), and 2 hours of non-traditional mortgage lending, *plus one \\(1\\) additional hour of MD-specific education* \\(referred to as an elective\\).\n\nNumber of hours is 3/2/2/+ 1hr of MD law = 8\n\n**Additional Persons**: Each Maryland Qualified Individual and Branch Manager must complete 8 hours of NMLS CE to include 1 hour of instruction on MD mortgage-related law.\n\n\n\nIf I became federal compliant for PE between 2009–2024\n\n\n\nand was licensed between 2009–2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**YES**\n\n\n\nIf I became federal compliant for PE in 2025\n\n\n\nand I was approved for an initial license in 2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**No**\n\n\n## Deadline: \n\n**The deadline to comp",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_MD.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_MD.md",
      "headings": [
        "Maryland {#concept_xmt_z1n_mbc .concept}",
        "Pre-Licensure Education Requirements {#section_kks_x1j_mbc .section}",
        "Continuing Education Requirements {#section_lks_x1j_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_MD.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_MD.md:chunk-1",
      "title": "Maryland {#concept_xmt_z1n_mbc .concept}",
      "content": "\n\n**YES**\n\n\n\nIf I became federal compliant for PE in 2025\n\n\n\nand I was approved for an initial license in 2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**No**\n\n\n## Deadline: \n\n**The deadline to complete CE is December 31**. However, both Mortgage Lender Licensees and MLOs in Maryland are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven \\(7\\) days for a course provider to report a course completion into NMLS, licensees are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.\n\n**Parent topic:**State-Specific Education Requirements \\(PE and CE\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_MD.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_MD.md",
      "headings": [
        "Maryland {#concept_xmt_z1n_mbc .concept}",
        "Pre-Licensure Education Requirements {#section_kks_x1j_mbc .section}",
        "Continuing Education Requirements {#section_lks_x1j_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_MD.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_ME.md:chunk-0",
      "title": "Maine {#mlo_testing_hbk_stateSpecific_ME .concept}",
      "content": "# Maine \n\nState PE and CE Requirements for MLOs\n\n## Pre-Licensure Education Requirements \n\nNew state-licensed MLOs are required to complete 20 hours of NMLS-approved education.This education must include 3 hours of Federal law, 3 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), 2 hours of non-traditional mortgage lending, plus 12 hours of undefined education \\(referred to as electives\\).\n\nNumber of hours is 3/3/2/12 = 20\n\n**PE Expiration: Pending Enactment** See the State Licensing Checklist Compiler for details.\n\n## Continuing Education Requirements \n\n**MLO:** Every state licensed MLO \\(in any approved status\\) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed \\(unless PE was completed in the same year\\).Annual CE education must include 3 hours of Federal law, 2 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), 2 hours of non-traditional mortgage lending, plus one \\(1\\) additional hour of undefined \\(referred to as an elective\\).\n\nNumber of hours is 3/2/2/1 = 8\n\n**Additional Persons**: N/A\n\n\n\nIf I became federal compliant for PE between 2009–2024\n\n\n\nand was licensed between 2009–2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**YES**\n\n\n\nIf I became federal compliant for PE in 2025\n\n\n\nand I was approved for an initial license in 2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**No**\n\n\n## Deadline \n\n**The deadline to complete CE is December 31**. However, MLOs in Maine are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven \\(7\\) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.\n\n**Parent topic:**State-Specific Education Requirements \\(PE and CE\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_ME.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_ME.md",
      "headings": [
        "Maine {#mlo_testing_hbk_stateSpecific_ME .concept}",
        "Pre-Licensure Education Requirements {#section_gks_x1j_mbc .section}",
        "Continuing Education Requirements {#section_hks_x1j_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_ME.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_MI.md:chunk-0",
      "title": "Michigan {#mlo_testing_hbk_stateSpecific_MI .concept}",
      "content": "# Michigan \n\nState PE and CE Requirements for MLOs\n\n## Pre-Licensure Education Requirements \n\nNew state-licensed MLOs are required to complete 20 hours of NMLS-approved education.This education must include 3 hours of Federal law, 3 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), 2 hours of non-traditional mortgage lending, plus 10 hours of undefined education \\(referred to as electives\\) + 2 hours of MI law.\n\n**Important:** Michigan has a requirement for 2 hours of instruction on state-specific law which may be satisfied by either taking a MI comprehensive course or a state-specific elective course.\n\nNumber of hours is 3/3/2/10 + 2hr MI = 20\n\n**PE Expiration: Enacted** See the State Licensing Checklist Compiler for details.\n\n## Continuing Education Requirements \n\n**MLO:** Every state licensed MLO \\(in any approved status\\) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed \\(unless PE was completed in the same year\\).Annual CE education must include 3 hours of Federal law, 2 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), 2 hours of non-traditional mortgage lending, plus one \\(1\\) additional hour of undefined \\(referred to as an elective\\).\n\nNumber of hours is 3/2/2/1 = 8\n\n**Additional Persons**: N/A\n\n\n\nIf I became federal compliant for PE between 2009–2024\n\n\n\nand was licensed between 2009–2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**YES**\n\n\n\nIf I became federal compliant for PE in 2025\n\n\n\nand I was approved for an initial license in 2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**No**\n\n\n## Deadline \n\n**The deadline to complete CE is December 31**. However, MLOs in Michigan are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven \\(7\\) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_MI.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_MI.md",
      "headings": [
        "Michigan {#mlo_testing_hbk_stateSpecific_MI .concept}",
        "Pre-Licensure Education Requirements {#section_sks_x1j_mbc .section}",
        "Continuing Education Requirements {#section_tks_x1j_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_MI.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_MI.md:chunk-1",
      "title": "Michigan {#mlo_testing_hbk_stateSpecific_MI .concept}",
      "content": "their license if they have not completed CE. Since it may take as long as seven \\(7\\) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.\n\n**Parent topic:**State-Specific Education Requirements \\(PE and CE\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_MI.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_MI.md",
      "headings": [
        "Michigan {#mlo_testing_hbk_stateSpecific_MI .concept}",
        "Pre-Licensure Education Requirements {#section_sks_x1j_mbc .section}",
        "Continuing Education Requirements {#section_tks_x1j_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_MI.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_MN.md:chunk-0",
      "title": "Minnesota {#mlo_testing_hbk_stateSpecific_MN .concept}",
      "content": "# Minnesota \n\nState PE and CE Requirements for MLOs\n\n## Pre-Licensure Education Requirements \n\nNew state-licensed MLOs are required to complete 20 hours of NMLS-approved education.This education must include 3 hours of Federal law, 3 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), 2 hours of non-traditional mortgage lending, plus 12 hours of undefined education \\(referred to as electives\\).\n\nNumber of hours is 3/3/2/12 = 20\n\n**PE Expiration: Pending Enactment** See the State Licensing Checklist Compiler for details.\n\n## Continuing Education Requirements \n\n**MLO:** Every state licensed MLO \\(in any approved status\\) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed \\(unless PE was completed in the same year\\).Annual CE education must include 3 hours of Federal law, 2 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), 2 hours of non-traditional mortgage lending, plus 1 hour of MN specific education. *MN requires 1 hour of State specific CE* \\(referred to as an elective\\).\n\nNumber of hours is 3/2/2/ + 1 Hour of MN state law = 8\n\n**Note:** MN requires 1 hour of State specific CE even for those that completed CE prior to Aug. 1, 2018.\n\n**Additional Persons:** N/A\n\n\n\nIf I became federal compliant for PE between 2009–2024\n\n\n\nand was licensed between 2009–2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**YES**\n\n\n\nIf I became federal compliant for PE in 2025\n\n\n\nand I was approved for an initial license in 2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**No**\n\n\n## Deadline \n\n**The deadline to complete CE is December 31**. However, MLOs in Minnesota are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven \\(7\\) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or the",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_MN.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_MN.md",
      "headings": [
        "Minnesota {#mlo_testing_hbk_stateSpecific_MN .concept}",
        "Pre-Licensure Education Requirements {#section_wks_x1j_mbc .section}",
        "Continuing Education Requirements {#section_xks_x1j_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_MN.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_MN.md:chunk-1",
      "title": "Minnesota {#mlo_testing_hbk_stateSpecific_MN .concept}",
      "content": "Since it may take as long as seven \\(7\\) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.\n\n**Parent topic:**State-Specific Education Requirements \\(PE and CE\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_MN.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_MN.md",
      "headings": [
        "Minnesota {#mlo_testing_hbk_stateSpecific_MN .concept}",
        "Pre-Licensure Education Requirements {#section_wks_x1j_mbc .section}",
        "Continuing Education Requirements {#section_xks_x1j_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_MN.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_MO.md:chunk-0",
      "title": "Missouri {#mlo_testing_hbk_stateSpecific_MO .concept}",
      "content": "# Missouri \n\nState PE and CE Requirements for MLOs\n\n## Pre-Licensure Education Requirements \n\nNew state-licensed MLOs are required to complete 20 hours of NMLS-approved education.This education must include 3 hours of Federal law, 3 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), 2 hours of non-traditional mortgage lending, plus 12 hours of undefined education \\(referred to as electives\\).\n\nNumber of hours is 3/3/2/12 = 20\n\n**PE Expiration: Enacted** See the State Licensing Checklist Compiler for details.\n\n## Continuing Education Requirements \n\n**MLO:** Every state licensed MLO \\(in any approved status\\) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed \\(unless PE was completed in the same year\\).Annual CE education must include 3 hours of Federal law, 2 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), and 2 hours of non-traditional mortgage lending, *plus one \\(1\\) additional hour of MO-specific education* \\(referred to as an elective\\).\n\nNumber of hours is 3/2/2/ plus 1hr of MO law = 8\n\n**Additional Persons**: N/A\n\n\n\nIf I became federal compliant for PE between 2009–2024\n\n\n\nand was licensed between 2009–2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**YES**\n\n\n\nIf I became federal compliant for PE in 2025\n\n\n\nand I was approved for an initial license in 2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**No**\n\n\n## Deadline \n\n**The deadline to complete CE is December 31**. However, MLOs in Missouri are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven \\(7\\) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.\n\n**Parent topic:**State-Specific Education Requirements \\(PE and CE\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_MO.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_MO.md",
      "headings": [
        "Missouri {#mlo_testing_hbk_stateSpecific_MO .concept}",
        "Pre-Licensure Education Requirements {#section_dls_x1j_mbc .section}",
        "Continuing Education Requirements {#section_els_x1j_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_MO.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_MS.md:chunk-0",
      "title": "Mississippi {#mlo_testing_hbk_stateSpecific_MS .concept}",
      "content": "# Mississippi \n\nState PE and CE Requirements for MLOs\n\n## Pre-Licensure Education Requirements \n\nNew state-licensed MLOs are required to complete 20 hours of NMLS-approved education.This education must include 3 hours of Federal law, 3 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), 2 hours of non-traditional mortgage lending, plus 8 hours of undefined education \\(referred to as electives\\) + 4 hours of MS law.\n\n**Important:** Mississippi has a requirement for 4 hours of instruction on state-specific law \\(MS S.A.F.E Mortgage Act\\) which may be satisfied by either taking a MS comprehensive course or a state-specific elective course.\n\nNumber of hours is 3/3/2/8/+ 4hrs of MS law = 20\n\n**PE Expiration: Pending Enactment** See the State Licensing Checklist Compiler for details.\n\n## Continuing Education Requirements \n\n**MLO:** Every state licensed MLO \\(in any approved status\\) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed \\(unless PE was completed in the same year\\).Annual CE education must include 3 hours of Federal law, 2 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), 2 hours of non-traditional mortgage lending, plus one \\(1\\) additional hour of undefined \\(referred to as an elective\\).\n\nNumber of hours is 3/2/2/1 = 8\n\n**Additional Persons:** N/A\n\n\n\nIf I became federal compliant for PE between 2009–2024\n\n\n\nand was licensed between 2009–2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**YES**\n\n\n\nIf I became federal compliant for PE in 2025\n\n\n\nand I was approved for an initial license in 2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**No**\n\n\n## Deadline \n\n**The deadline to complete CE is December 31**. However, MLOs in Mississippi are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven \\(7\\) days for a course provider to report a course completion into",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_MS.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_MS.md",
      "headings": [
        "Mississippi {#mlo_testing_hbk_stateSpecific_MS .concept}",
        "Pre-Licensure Education Requirements {#section_als_x1j_mbc .section}",
        "Continuing Education Requirements {#section_bls_x1j_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_MS.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_MS.md:chunk-1",
      "title": "Mississippi {#mlo_testing_hbk_stateSpecific_MS .concept}",
      "content": "in Mississippi are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven \\(7\\) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.\n\n**Parent topic:**State-Specific Education Requirements \\(PE and CE\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_MS.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_MS.md",
      "headings": [
        "Mississippi {#mlo_testing_hbk_stateSpecific_MS .concept}",
        "Pre-Licensure Education Requirements {#section_als_x1j_mbc .section}",
        "Continuing Education Requirements {#section_bls_x1j_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_MS.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_MT.md:chunk-0",
      "title": "Montana {#mlo_testing_hbk_stateSpecific_MT .concept}",
      "content": "# Montana \n\nState PE and CE Requirements for MLOs\n\n## Pre-Licensure Education Requirements \n\nNew state-licensed MLOs are required to complete 20 hours of NMLS-approved education.This education must include 3 hours of Federal law, 3 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), 2 hours of non-traditional mortgage lending, plus 12 hours of undefined education \\(referred to as electives\\).\n\n**Important:** Montana has requirement for 2 hours of instruction on state-specific law which may be satisfied by either taking a MT comprehensive course or a state-specific elective course.\n\nNumber of hours is 3/3/2/10 + 2hrs of MT law = 20\n\n**PE Expiration: Enacted** See the State Licensing Checklist Compiler for details.\n\n## Continuing Education Requirements \n\n**MLO:** Every state licensed MLO \\(in any approved status\\) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed \\(unless PE was completed in the same year\\).Annual CE education must include 3 hours of Federal law, 2 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), 2 hours of non-traditional mortgage lending, plus one \\(1\\) additional hour of undefined \\(referred to as an elective\\).\n\nNumber of hours is 3/2/2/1 = 8\n\n**Additional Persons**: N/A\n\n\n\nIf I became federal compliant for PE between 2009–2024\n\n\n\nand was licensed between 2009–2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**YES**\n\n\n\nIf I became federal compliant for PE in 2025\n\n\n\nand I was approved for an initial license in 2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**No**\n\n\n## Deadline \n\n**The deadline to complete CE is December 31**. However, MLOs in Montana are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven \\(7\\) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_MT.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_MT.md",
      "headings": [
        "Montana {#mlo_testing_hbk_stateSpecific_MT .concept}",
        "Pre-Licensure Education Requirements {#section_hls_x1j_mbc .section}",
        "Continuing Education Requirements {#section_ils_x1j_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_MT.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_MT.md:chunk-1",
      "title": "Montana {#mlo_testing_hbk_stateSpecific_MT .concept}",
      "content": "they have not completed CE. Since it may take as long as seven \\(7\\) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.\n\n**Parent topic:**State-Specific Education Requirements \\(PE and CE\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_MT.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_MT.md",
      "headings": [
        "Montana {#mlo_testing_hbk_stateSpecific_MT .concept}",
        "Pre-Licensure Education Requirements {#section_hls_x1j_mbc .section}",
        "Continuing Education Requirements {#section_ils_x1j_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_MT.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_NC.md:chunk-0",
      "title": "North Carolina {#mlo_testing_hbk_stateSpecific_NC .concept}",
      "content": "# North Carolina \n\nState PE and CE Requirements for MLOs\n\n## Pre-Licensure Education Requirements \n\nNew state-licensed MLOs are required to complete 24 hours of NMLS-approved education. This education must include 3 hours of Federal law, 3 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), 2 hours of non-traditional mortgage lending, 12 hours of undefined education \\(referred to as electives\\) + 4 hours of NC law.\n\n**Important:** North Carolina has a requirement for 4 hours of instruction on state-specific law which may be satisfied by either taking a NC comprehensive course or a state-specific elective course\n\n.\n\nNumber of hours is 3/3/2/12/+ 4hrs of NC law = 24\n\n**Attention:** The 4-hour NC PE must be completed within 3 years of new or subsequent license application. In addition, the 20-hour PE must be completed within 3 years of new or subsequent license application; however, if an applicant holds a valid mortgage loan originator license in any other state or territory the applicant will receive credit for the education completed under G.S. 53 244.070\\(e\\) if the individual has completed all required continuing education for the preceding year.\n\n**PE Expiration: Enacted** See the State Licensing Checklist Compiler for details.\n\n## Continuing Education Requirements \n\n**MLO:** Every state licensed MLO \\(in any approved status\\) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed \\(unless PE was completed in the same year\\).Annual CE education must include 3 hours of Federal law, 2 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), and 2 hours of non-traditional mortgage lending, *plus 1 hour of NC-specific education \\(referred to as an elective\\)*.\n\nNumber of hours is 3/2/2/ + 1hr of NC law = 8\n\n**Additional Persons:** N/A.\n\n\n\nIf I became federal compliant for PE between 2009–2024\n\n\n\nand was licensed between 2009–2025\n\n\n\n",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_NC.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_NC.md",
      "headings": [
        "North Carolina {#mlo_testing_hbk_stateSpecific_NC .concept}",
        "Pre-Licensure Education Requirements {#section_ims_x1j_mbc .section}",
        "Continuing Education Requirements {#section_jms_x1j_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_NC.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_NC.md:chunk-1",
      "title": "North Carolina {#mlo_testing_hbk_stateSpecific_NC .concept}",
      "content": "d to as an elective\\)*.\n\nNumber of hours is 3/2/2/ + 1hr of NC law = 8\n\n**Additional Persons:** N/A.\n\n\n\nIf I became federal compliant for PE between 2009–2024\n\n\n\nand was licensed between 2009–2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**YES**\n\n\n\nIf I became federal compliant for PE in 2025\n\n\n\nand I was approved for an initial license in 2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**No**\n\n\n## Deadline \n\n**The deadline to complete CE is December 31**. However, MLOs in North Carolina are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven \\(7\\) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.\n\n**Parent topic:**State-Specific Education Requirements \\(PE and CE\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_NC.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_NC.md",
      "headings": [
        "North Carolina {#mlo_testing_hbk_stateSpecific_NC .concept}",
        "Pre-Licensure Education Requirements {#section_ims_x1j_mbc .section}",
        "Continuing Education Requirements {#section_jms_x1j_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_NC.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_ND.md:chunk-0",
      "title": "North Dakota {#mlo_testing_hbk_stateSpecific_ND .concept}",
      "content": "# North Dakota \n\nState PE and CE Requirements for MLOs\n\n## Pre-Licensure Education Requirements \n\nNew state-licensed MLOs are required to complete 20 hours of NMLS-approved education.This education must include 3 hours of Federal law, 3 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), 2 hours of non-traditional mortgage lending, plus 12 hours of undefined education \\(referred to as electives\\).\n\nNumber of hours is 3/3/2/12 = 20\n\n**PE Expiration: Pending Enactment** See the State Licensing Checklist Compiler for details.\n\n## Continuing Education Requirements \n\n**MLO:** Every state licensed MLO \\(in any approved status\\) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed \\(unless PE was completed in the same year\\).Annual CE education must include 3 hours of Federal law, 2 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), 2 hours of non-traditional mortgage lending, plus one \\(1\\) additional hour of undefined \\(referred to as an elective\\).\n\nNumber of hours is 3/2/2/1 = 8\n\n**Additional Persons:** N/A.\n\n\n\nIf I became federal compliant for PE between 2009–2024\n\n\n\nand was licensed between 2009–2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**YES**\n\n\n\nIf I became federal compliant for PE in 2025\n\n\n\nand I was approved for an initial license in 2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**No**\n\n\n## Deadline \n\n**The deadline to complete CE is December 31**. However, MLOs in North Dakota are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven \\(7\\) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.\n\n**Parent topic:**State-Specific Education Requirements \\(PE and CE\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_ND.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_ND.md",
      "headings": [
        "North Dakota {#mlo_testing_hbk_stateSpecific_ND .concept}",
        "Pre-Licensure Education Requirements {#section_mms_x1j_mbc .section}",
        "Continuing Education Requirements {#section_nms_x1j_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_ND.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_NE.md:chunk-0",
      "title": "Nebraska {#mlo_testing_hbk_stateSpecific_NE .concept}",
      "content": "# Nebraska \n\nState PE and CE Requirements for MLOs\n\n## Pre-Licensure Education Requirements \n\nNew state-licensed MLOs are required to complete 20 hours of NMLS-approved education. This education must include 3 hours of Federal law, 3 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), 2 hours of non-traditional mortgage lending, plus 12 hours of undefined education \\(referred to as electives\\).\n\n**Important:** NE has a requirement for 2 hours of instruction on state-specific law which may be satisfied by either taking a NE comprehensive course or a state-specific elective course.\n\nNumber of hours is 3/3/2/12/+ 2hrs NE law = 22\n\n**PE Expiration: Pending Enactment** See the NE Requirements Checklistfor details.\n\n## Continuing Education Requirements \n\n**MLO:** Every state licensed MLO \\(in any approved status\\) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed \\(unless PE was completed in the same year\\).Annual CE education must include 3 hours of Federal law, 2 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), 2 hours of non-traditional mortgage lending, plus one \\(1\\) additional hour of undefined \\(referred to as an elective\\).\n\nNumber of hours is 3/2/2/1 = 8\n\n**Additional Persons**: N/A\n\n\n\nIf I became federal compliant for PE between 2009–2024\n\n\n\nand was licensed between 2009–2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**YES**\n\n\n\nIf I became federal compliant for PE in 2025\n\n\n\nand I was approved for an initial license in 2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**No**\n\n\n## Deadline \n\n**The deadline to complete CE is December 31**. However, MLOs in Nebraska are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven \\(7\\) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_NE.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_NE.md",
      "headings": [
        "Nebraska {#mlo_testing_hbk_stateSpecific_NE .concept}",
        "Pre-Licensure Education Requirements {#section_lls_x1j_mbc .section}",
        "Continuing Education Requirements {#section_mls_x1j_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_NE.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_NE.md:chunk-1",
      "title": "Nebraska {#mlo_testing_hbk_stateSpecific_NE .concept}",
      "content": "y have not completed CE. Since it may take as long as seven \\(7\\) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.\n\n**Parent topic:**State-Specific Education Requirements \\(PE and CE\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_NE.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_NE.md",
      "headings": [
        "Nebraska {#mlo_testing_hbk_stateSpecific_NE .concept}",
        "Pre-Licensure Education Requirements {#section_lls_x1j_mbc .section}",
        "Continuing Education Requirements {#section_mls_x1j_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_NE.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_NH.md:chunk-0",
      "title": "New Hampshire {#mlo_testing_hbk_stateSpecific_NH .concept}",
      "content": "# New Hampshire \n\nState PE and CE Requirements for MLOs\n\n## Pre-Licensure Education Requirements \n\nNew state-licensed MLOs are required to complete 20 hours of NMLS-approved education.This education must include 3 hours of Federal law, 3 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), 2 hours of non-traditional mortgage lending, plus 10 hours of undefined education \\(referred to as electives\\) + 2 hours of NH law.\n\n**Important:** New Hampshire has a requirement for 2 hours of instruction on state- specific law which may be satisfied by either taking a NH comprehensive course or a state-specific elective course.\n\nNumber of hours is 3/3/2/10 + 2hrs of NH law = 20\n\n**PE Expiration: Pending Enactment** See the State Licensing Checklist Compiler for details.\n\n## Continuing Education Requirements \n\n**MLO:** Every state licensed MLO \\(in any approved status\\) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed \\(unless PE was completed in the same year\\).Annual CE education must include 3 hours of Federal law, 2 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), 2 hours of non-traditional mortgage lending, plus one \\(1\\) additional hour of undefined \\(referred to as an elective\\).\n\nNumber of hours is 3/2/2/1 = 8\n\n**Additional Persons:** N/A\n\n\n\nIf I became federal compliant for PE between 2009–2024\n\n\n\nand was licensed between 2009–2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**YES**\n\n\n\nIf I became federal compliant for PE in 2025\n\n\n\nand I was approved for an initial license in 2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**No**\n\n\n## Deadline \n\n**The deadline to complete CE is December 31**. However, MLOs in New Hampshire are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven \\(7\\) days for a course provider to report a course completion into NMLS, MLOs are str",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_NH.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_NH.md",
      "headings": [
        "New Hampshire {#mlo_testing_hbk_stateSpecific_NH .concept}",
        "Pre-Licensure Education Requirements {#section_tqy_snl_mbc .section}",
        "Continuing Education Requirements {#section_tls_x1j_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_NH.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_NH.md:chunk-1",
      "title": "New Hampshire {#mlo_testing_hbk_stateSpecific_NH .concept}",
      "content": "prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven \\(7\\) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.\n\n**Parent topic:**State-Specific Education Requirements \\(PE and CE\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_NH.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_NH.md",
      "headings": [
        "New Hampshire {#mlo_testing_hbk_stateSpecific_NH .concept}",
        "Pre-Licensure Education Requirements {#section_tqy_snl_mbc .section}",
        "Continuing Education Requirements {#section_tls_x1j_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_NH.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_NJ.md:chunk-0",
      "title": "New Jersey {#mlo_testing_hbk_stateSpecific_NJ .concept}",
      "content": "# New Jersey \n\nState PE and CE Requirements for MLOs\n\n## Pre-Licensure Education Requirements \n\nNew state-licensed MLOs are required to complete 20 hours of NMLS-approved education.This education must include 3 hours of Federal law, 3 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), 2 hours of non-traditional mortgage lending, 8 hours of undefined education \\(referred to as electives\\) + 4 hours of NJ law.\n\n**Important:** New Jersey has a requirement for 4 hours of instruction on state-specific law which may be satisfied by either taking a comprehensive NJ course or a state-specific elective course.\n\nNumber of hours is 3/3/2/8/+ 4hrs of NJ law = 20\n\n**PE Expiration: Pending Enactment** See the State Licensing Checklist Compiler for details.\n\n## Continuing Education Requirements \n\n**MLO:** Every state licensed MLO \\(in any approved status\\) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed \\(unless PE was completed in the same year\\).Annual CE education must include 3 hours of Federal law, 2 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), and 2 hours of non-traditional mortgage lending, 3 hours of electives, *plus 2 hours of NJ-specific education* \\(referred to as an elective\\).\n\nNumber of hours is 3/2/2/3 + 2hrs of NJ law = 12\n\n**Additional Persons**: Qualified Individuals. See the State Licensing Checklist Compiler for Renewal details.\n\n\n\nIf I became federal compliant for PE between 2009–2024\n\n\n\nand was licensed between 2009–2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**YES**\n\n\n\nIf I became federal compliant for PE in 2025\n\n\n\nand I was approved for an initial license in 2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**No**\n\n\n## Deadline \n\n**The deadline to complete CE is December 31**. However, MLOs and Qualified Individuals in New Jersey are prohibited from applying to renew their license if they have not com",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_NJ.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_NJ.md",
      "headings": [
        "New Jersey {#mlo_testing_hbk_stateSpecific_NJ .concept}",
        "Pre-Licensure Education Requirements {#section_wls_x1j_mbc .section}",
        "Continuing Education Requirements {#section_xls_x1j_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_NJ.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_NJ.md:chunk-1",
      "title": "New Jersey {#mlo_testing_hbk_stateSpecific_NJ .concept}",
      "content": "\n\n\n**No**\n\n\n## Deadline \n\n**The deadline to complete CE is December 31**. However, MLOs and Qualified Individuals in New Jersey are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven \\(7\\) days for a course provider to report a course completion into NMLS, MLOs and Qualified Individuals are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.\n\n**Parent topic:**State-Specific Education Requirements \\(PE and CE\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_NJ.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_NJ.md",
      "headings": [
        "New Jersey {#mlo_testing_hbk_stateSpecific_NJ .concept}",
        "Pre-Licensure Education Requirements {#section_wls_x1j_mbc .section}",
        "Continuing Education Requirements {#section_xls_x1j_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_NJ.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_NM.md:chunk-0",
      "title": "New Mexico {#mlo_testing_hbk_stateSpecific_NM .concept}",
      "content": "# New Mexico \n\nState PE and CE Requirements for MLOs\n\n## Pre-Licensure Education Requirements \n\nNew state-licensed MLOs are required to complete 20 hours of NMLS-approved education.This education must include 3 hours of Federal law, 3 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), 2 hours of non-traditional mortgage lending, 9 hours of undefined education \\(referred to as electives\\) + 3 hours of NM law.\n\n**Important:** New Mexico has a requirement for 3 hours of instruction on state-specific law which may be satisfied by either taking a NM comprehensive course or a state-specific elective course.\n\nNumber of hours is 3/3/2/9/+ 3hrs of NM law = 20\n\n**PE Expiration: Pending Enactment** See the State Licensing Checklist Compiler for details.\n\n## Continuing Education Requirements \n\n**MLO:** Every state licensed MLO \\(in any approved status\\) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed \\(unless PE was completed in the same year\\).Annual CE education must include 3 hours of Federal law, 2 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), and 2 hours of non-traditional mortgage lending, *plus 1 hour of NM-specific education \\(referred to as an elective\\)*.\n\nNumber of hours is 3/2/2/+ 1hr of NM law = 8\n\n**Additional Persons:** N/A\n\n\n\nIf I became federal compliant for PE between 2009–2024\n\n\n\nand was licensed between 2009–2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**YES**\n\n\n\nIf I became federal compliant for PE in 2025\n\n\n\nand I was approved for an initial license in 2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**No**\n\n\n## Deadline \n\n**The deadline to complete CE is December 31**. However, MLOs in New Mexico are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven \\(7\\) days for a course provider to report a course completion into NMLS, MLOs are strongl",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_NM.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_NM.md",
      "headings": [
        "New Mexico {#mlo_testing_hbk_stateSpecific_NM .concept}",
        "Pre-Licensure Education Requirements {#section_ams_x1j_mbc .section}",
        "Continuing Education Requirements {#section_bms_x1j_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_NM.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_NM.md:chunk-1",
      "title": "New Mexico {#mlo_testing_hbk_stateSpecific_NM .concept}",
      "content": "ibited from applying to renew their license if they have not completed CE. Since it may take as long as seven \\(7\\) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.\n\n**Parent topic:**State-Specific Education Requirements \\(PE and CE\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_NM.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_NM.md",
      "headings": [
        "New Mexico {#mlo_testing_hbk_stateSpecific_NM .concept}",
        "Pre-Licensure Education Requirements {#section_ams_x1j_mbc .section}",
        "Continuing Education Requirements {#section_bms_x1j_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_NM.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_NV.md:chunk-0",
      "title": "Nevada {#mlo_testing_hbk_stateSpecific_NV .concept}",
      "content": "# Nevada \n\nState PE and CE Requirements for MLOs\n\n## Pre-Licensure Education Requirements \n\nNew state-licensed MLOs are required to complete 30 hours of NMLS-approved education. This education must include 3 hours of Federal law, 3 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), 2 hours of non-traditional mortgage lending, 18 hours of undefined education \\(referred to as electives\\) + 4 hours of NV law.\n\n**Important:** Nevada has a requirement for 4 hours of instruction on state-specific law which may be satisfied by either taking a NV comprehensive course or a state-specific elective course.\n\nNumber of hours is 3/3/2/18/+ 4hrs of NV law = 30\n\n**PE Expiration: Pending Enactment** See the State Licensing Checklist Compiler for details.\n\n## Continuing Education Requirements \n\n**MLO/Qualified Employee**: Every state licensed MLO \\(in any approved status\\) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed \\(unless PE was completed in the same year\\). Annual CE education must include 3 hours of Federal law, 2 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), and 2 hours of non-traditional mortgage lending, plus one additional hour of undefined education \\(referred to as an elective\\).\n\n**Important:** The Qualified Employee \\(QE\\) for each office is required to take 1 hour of Nevada Law in lieu of the elective.\n\nNumber of hours is 3/2/2/1 = 8\n\n**Note:** NV requires 10 hours \\(3 State Specific\\) for **Late CE** completed for 2010-2017.\n\n**Additional Persons:** N/A\n\n\n\nIf I became federal compliant for PE between 2009–2024\n\n\n\nand was licensed between 2009–2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**YES**\n\n\n\nIf I became federal compliant for PE in 2025\n\n\n\nand I was approved for an initial license in 2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**No**\n\n\n## Deadline \n\n**The deadline to complete CE is December 31**. Howe",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_NV.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_NV.md",
      "headings": [
        "Nevada {#mlo_testing_hbk_stateSpecific_NV .concept}",
        "Pre-Licensure Education Requirements {#section_pls_x1j_mbc .section}",
        "Continuing Education Requirements {#section_qls_x1j_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_NV.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_NV.md:chunk-1",
      "title": "Nevada {#mlo_testing_hbk_stateSpecific_NV .concept}",
      "content": "ral compliant for PE in 2025\n\n\n\nand I was approved for an initial license in 2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**No**\n\n\n## Deadline \n\n**The deadline to complete CE is December 31**. However, MLOs in Nevada are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven \\(7\\) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.\n\n**Parent topic:**State-Specific Education Requirements \\(PE and CE\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_NV.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_NV.md",
      "headings": [
        "Nevada {#mlo_testing_hbk_stateSpecific_NV .concept}",
        "Pre-Licensure Education Requirements {#section_pls_x1j_mbc .section}",
        "Continuing Education Requirements {#section_qls_x1j_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_NV.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_NY.md:chunk-0",
      "title": "New York {#mlo_testing_hbk_stateSpecific_NY .concept}",
      "content": "# New York \n\nState PE and CE Requirements for MLOs\n\n## Pre-Licensure Education Requirements \n\nNew state-licensed MLOs are required to complete 20 hours of NMLS-approved education.This education must include 3 hours of Federal law, 3 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), 2 hours of non-traditional mortgage lending, 9 hours of undefined education \\(referred to as electives\\) + 3 hours of NY law.\n\n**Important:** New York has a requirement for 3 hours of instruction on state-specific law which may be satisfied by either taking a NY comprehensive course or a state-specific elective course.\n\nNumber of hours is 3/3/2/9/+ 3hrs of NY law = 20\n\n**PE Expiration: Pending Enactment** See the State Licensing Checklist Compiler for details.\n\n## Continuing Education Requirements \n\n**MLO:** Every state licensed MLO \\(in any approved status\\) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed \\(unless PE was completed in the same year\\).Annual CE education must include 3 hours of Federal law, 2 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), and 2 hours of non-traditional mortgage lending, 1 hour of elective, *plus 3 hours of NY-specific education \\(referred to as an elective\\)*.\n\nNumber of hours is 3/2/2/1 + 3hr of NY law = 11\n\n**Attention:** *NY-DFI will not accept any hours of other state-specific education to count towards the 1 hour of elective. MLOs are advised to complete either an 11 hour NY Comprehensive course or an 8 hour Comprehensive course and a 3 hour NY elective course.*\n\n**Additional Persons:** N/A\n\n\n\nIf I became federal compliant for PE between 2009–2024\n\n\n\nand was licensed between 2009–2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**YES**\n\n\n\nIf I became federal compliant for PE in 2025\n\n\n\nand I was approved for an initial license in 2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**No**\n\n\n## Deadline \n\n",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_NY.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_NY.md",
      "headings": [
        "New York {#mlo_testing_hbk_stateSpecific_NY .concept}",
        "Pre-Licensure Education Requirements {#section_ems_x1j_mbc .section}",
        "Continuing Education Requirements {#section_fms_x1j_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_NY.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_NY.md:chunk-1",
      "title": "New York {#mlo_testing_hbk_stateSpecific_NY .concept}",
      "content": "o complete CE in 2025\n\n\n\n**YES**\n\n\n\nIf I became federal compliant for PE in 2025\n\n\n\nand I was approved for an initial license in 2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**No**\n\n\n## Deadline \n\n**The deadline to complete CE is December 31**. However, MLOs in New York are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven \\(7\\) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.\n\n**Parent topic:**State-Specific Education Requirements \\(PE and CE\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_NY.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_NY.md",
      "headings": [
        "New York {#mlo_testing_hbk_stateSpecific_NY .concept}",
        "Pre-Licensure Education Requirements {#section_ems_x1j_mbc .section}",
        "Continuing Education Requirements {#section_fms_x1j_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_NY.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_OH.md:chunk-0",
      "title": "Ohio {#mlo_testing_hbk_stateSpecific_OH .concept}",
      "content": "# Ohio \n\nState PE and CE Requirements for MLOs\n\n## Pre-Licensure Education Requirements \n\nNew state-licensed MLOs are required to complete 24\\* hours of NMLS-approved education. This education must include 3 hours of Federal law, 3 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), 2 hours of non-traditional mortgage lending, 12 hours of undefined education \\(referred to as electives\\) + 4 hours of OH ORMLA law.\n\n**Important:** Ohio has a requirement for 4 hours of instruction on state-specific law which may be satisfied by either taking an OH comprehensive course or a state-specific elective course.\n\nNumber of hours is 3/3/2/12/+ 4hrs of OH law = 24\n\n**Note:** Only applicants under ORMLA must take the additional 4hrs of education. ORMLA applicants only require 20 hours.\n\n**PE Expiration: Pending Enactment** See the State Licensing Checklist Compiler for details.\n\n## Continuing Education Requirements \n\n**MLO:** Every state licensed MLO \\(in any approved status\\) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed \\(unless PE was completed in the same year\\).Annual CE education must include 3 hours of Federal law, 2 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), 2 hours of non-traditional mortgage lending, plus one \\(1\\) additional hour of undefined \\(referred to as an elective\\).\n\nNumber of hours is 3/2/2/1 = 8\n\n**Additional Persons:** N/A.\n\n\n\nIf I became federal compliant for PE between 2009–2024\n\n\n\nand was licensed between 2009–2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**YES**\n\n\n\nIf I became federal compliant for PE in 2025\n\n\n\nand I was approved for an initial license in 2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**No**\n\n\n## Deadline \n\n**The deadline to complete CE is December 31**. However, MLOs in Ohio are prohibited from applying to renew their license if they have not completed CE. Since it may take as",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_OH.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_OH.md",
      "headings": [
        "Ohio {#mlo_testing_hbk_stateSpecific_OH .concept}",
        "Pre-Licensure Education Requirements {#section_qms_x1j_mbc .section}",
        "Continuing Education Requirements {#section_rms_x1j_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_OH.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_OH.md:chunk-1",
      "title": "Ohio {#mlo_testing_hbk_stateSpecific_OH .concept}",
      "content": "\n\n\n\n**No**\n\n\n## Deadline \n\n**The deadline to complete CE is December 31**. However, MLOs in Ohio are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven \\(7\\) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.\n\n**Parent topic:**State-Specific Education Requirements \\(PE and CE\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_OH.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_OH.md",
      "headings": [
        "Ohio {#mlo_testing_hbk_stateSpecific_OH .concept}",
        "Pre-Licensure Education Requirements {#section_qms_x1j_mbc .section}",
        "Continuing Education Requirements {#section_rms_x1j_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_OH.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_OK.md:chunk-0",
      "title": "Oklahoma {#concept_bbj_bbn_mbc .concept}",
      "content": "# Oklahoma \n\nState PE and CE Requirements for MLOs\n\n## Pre-Licensure Education Requirements \n\nNew state-licensed MLOs are required to complete 20 hours of NMLS-approved education.This education must include 3 hours of Federal law, 3 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), 2 hours of non-traditional mortgage lending, plus 12 hours of undefined education \\(referred to as electives\\).\n\n**Important:** Oklahoma has a requirement for 1 hour of instruction on state-specific law which may be satisfied by either taking an OK comprehensive course or a state-specific elective course.\n\nNumber of hours is 3/3/2/11+ 1 Hour of OK Law = 20\n\n**PE Expiration: Pending Enactment** See the State Licensing Checklist Compiler for details.\n\n## Continuing Education Requirements \n\n**MLO:** Every state licensed MLO \\(in any approved status\\) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed \\(unless PE was completed in the same year\\).Annual CE education must include 3 hours of Federal law, 2 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), 2 hours of non-traditional mortgage lending, plus one \\(1\\) additional hour of undefined \\(referred to as an elective\\).\n\nNumber of hours is 3/2/2/1 = 8\n\n**Additional Persons:** N/A.\n\n\n\nIf I became federal compliant for PE between 2009–2024\n\n\n\nand was licensed between 2009–2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**YES**\n\n\n\nIf I became federal compliant for PE in 2025\n\n\n\nand I was approved for an initial license in 2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**No**\n\n\n## Deadline \n\n**The deadline to complete CE is December 31.**However, MLOs in Oklahoma are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven \\(7\\) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_OK.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_OK.md",
      "headings": [
        "Oklahoma {#concept_bbj_bbn_mbc .concept}",
        "Pre-Licensure Education Requirements {#section_ums_x1j_mbc .section}",
        "Continuing Education Requirements {#section_vms_x1j_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_OK.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_OK.md:chunk-1",
      "title": "Oklahoma {#concept_bbj_bbn_mbc .concept}",
      "content": "heir license if they have not completed CE. Since it may take as long as seven \\(7\\) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.\n\n**Parent topic:**State-Specific Education Requirements \\(PE and CE\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_OK.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_OK.md",
      "headings": [
        "Oklahoma {#concept_bbj_bbn_mbc .concept}",
        "Pre-Licensure Education Requirements {#section_ums_x1j_mbc .section}",
        "Continuing Education Requirements {#section_vms_x1j_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_OK.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_OR.md:chunk-0",
      "title": "Oregon {#concept_cmx_cbn_mbc .concept}",
      "content": "# Oregon \n\nState PE and CE Requirements for MLOs\n\n## Pre-Licensure Education Requirements \n\nNew state-licensed MLOs are required to complete 20 hours of NMLS-approved education.This education must include 3 hours of Federal law, 3 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), 2 hours of non-traditional mortgage lending, plus 8 hours of undefined education \\(referred to as electives\\) + 4hrs of OR law.\n\n**Important:** Oregon has a requirement for 4 hours of instruction on state-specific law which may be satisfied by either taking an OR comprehensive course or a state-specific elective course.\n\nNumber of hours is 3/3/2/8 + 4 hrs of OR law = 20\n\n**Note:** Per **OAR 441-880-0310\\(1\\)\\(b\\)**, PE is valid 3yrs from date ed was completed or last day held a MLO license/registration in any jurisdiction, whichever is later.\n\n**PE Expiration: Enacted** See the State Licensing Checklist Compiler for details.\n\n## Continuing Education Requirements \n\n**MLO:** Every state licensed MLO \\(in any approved status\\) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed \\(unless PE was completed in the same year\\).Annual CE education must include 3 hours of Federal law, 2 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), and 2 hours of non-traditional mortgage lending, plus 1 hour elective, *plus 2 hours of OR-specific education* \\(referred to as an elective\\).\n\nNumber of hours is 3/2/2/3 = 10\n\n**Additional Persons:** N/A.\n\n\n\nIf I became federal compliant for PE between 2009–2024\n\n\n\nand was licensed between 2009–2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**YES**\n\n\n\nIf I became federal compliant for PE in 2025\n\n\n\nand I was approved for an initial license in 2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**No**\n\n\n## Deadline \n\n**The deadline to complete CE is December 31**. However, MLOs in Oregon are prohibited from applying to renew t",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_OR.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_OR.md",
      "headings": [
        "Oregon {#concept_cmx_cbn_mbc .concept}",
        "Pre-Licensure Education Requirements {#section_yms_x1j_mbc .section}",
        "Continuing Education Requirements {#section_zms_x1j_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_OR.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_OR.md:chunk-1",
      "title": "Oregon {#concept_cmx_cbn_mbc .concept}",
      "content": "nitial license in 2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**No**\n\n\n## Deadline \n\n**The deadline to complete CE is December 31**. However, MLOs in Oregon are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven \\(7\\) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.\n\n**Parent topic:**State-Specific Education Requirements \\(PE and CE\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_OR.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_OR.md",
      "headings": [
        "Oregon {#concept_cmx_cbn_mbc .concept}",
        "Pre-Licensure Education Requirements {#section_yms_x1j_mbc .section}",
        "Continuing Education Requirements {#section_zms_x1j_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_OR.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_PA.md:chunk-0",
      "title": "Pennsylvania {#mlo_testing_hbk_stateSpecific_PA .concept}",
      "content": "# Pennsylvania \n\nState PE and CE Requirements for MLOs\n\n## Pre-Licensure Education Requirements \n\nNew state-licensed MLOs are required to complete 20 hours of NMLS-approved education.This education must include 3 hours of Federal law, 3 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), 2 hours of non-traditional mortgage lending, 9 hours of undefined education \\(referred to as electives\\) + 3 hours of PA law.\n\n**Important:** Pennsylvania has a requirement for 3 hours of instruction on state-specific law which may be satisfied by either taking a PA comprehensive course or a state-specific elective course\n\n.\n\nNumber of hours is 3/3/2/9/+ 3hrs of PA law = 20\n\n**PE Expiration: Pending Enactment** See the State Licensing Checklist Compiler for details.\n\n## Continuing Education Requirements \n\n**MLO:** Every state licensed MLO \\(in any approved status\\) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed \\(unless PE was completed in the same year\\).Annual CE education must include 3 hours of Federal law, 2 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), and 2 hours of non-traditional mortgage lending, *plus 1 hour of PA-specific education* \\(referred to as an elective\\).\n\nNumber of hours is 3/2/2/ + 1hr of PA law =8\n\n**Additional Persons:** Qualified Individuals and Branch Managers. See PA Requirements Checklist for details.\n\n\n\nIf I became federal compliant for PE between 2009–2024\n\n\n\nand was licensed between 2009–2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**YES**\n\n\n\nIf I became federal compliant for PE in 2025\n\n\n\nand I was approved for an initial license in 2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**No**\n\n\n## Deadline \n\n**The deadline to complete CE is December 31**. However, MLOs in Pennsylvania are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_PA.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_PA.md",
      "headings": [
        "Pennsylvania {#mlo_testing_hbk_stateSpecific_PA .concept}",
        "Pre-Licensure Education Requirements {#section_cns_x1j_mbc .section}",
        "Continuing Education Requirements {#section_dns_x1j_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_PA.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_PA.md:chunk-1",
      "title": "Pennsylvania {#mlo_testing_hbk_stateSpecific_PA .concept}",
      "content": "e \n\n**The deadline to complete CE is December 31**. However, MLOs in Pennsylvania are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven \\(7\\) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.\n\n**Parent topic:**State-Specific Education Requirements \\(PE and CE\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_PA.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_PA.md",
      "headings": [
        "Pennsylvania {#mlo_testing_hbk_stateSpecific_PA .concept}",
        "Pre-Licensure Education Requirements {#section_cns_x1j_mbc .section}",
        "Continuing Education Requirements {#section_dns_x1j_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_PA.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_PR.md:chunk-0",
      "title": "Puerto Rico {#mlo_testing_hbk_stateSpecific_PR .concept}",
      "content": "# Puerto Rico \n\nState PE and CE Requirements for MLOs\n\n## Pre-Licensure Education Requirements \n\nNew state-licensed MLOs are required to complete 20 hours of NMLS-approved education.This education must include 3 hours of Federal law, 3 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), 2 hours of non-traditional mortgage lending, plus 12 hours of undefined education \\(referred to as electives\\).\n\nNumber of hours is 3/3/2/12 = 20\n\n**PE Expiration: Pending Enactment** See the State Licensing Checklist Compiler for details.\n\n## Continuing Education Requirements \n\n**MLO:** Every state licensed MLO \\(in any approved status\\) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed \\(unless PE was completed in the same year\\).Annual CE education must include 3 hours of Federal law, 2 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), 2 hours of non-traditional mortgage lending, plus one \\(1\\) additional hour of undefined \\(referred to as an elective\\).\n\nNumber of hours is 3/2/2/1 = 8\n\n**Additional Persons:** N/A.\n\n\n\nIf I became federal compliant for PE between 2009–2024\n\n\n\nand was licensed between 2009–2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**YES**\n\n\n\nIf I became federal compliant for PE in 2025\n\n\n\nand I was approved for an initial license in 2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**No**\n\n\n## Deadline \n\n**The deadline to complete CE is December 1**. However, MLOs in Puerto Rico are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven \\(7\\) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.\n\n**Parent topic:**State-Specific Education Requirements \\(PE and CE\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_PR.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_PR.md",
      "headings": [
        "Puerto Rico {#mlo_testing_hbk_stateSpecific_PR .concept}",
        "Pre-Licensure Education Requirements {#section_gns_x1j_mbc .section}",
        "Continuing Education Requirements {#section_hns_x1j_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_PR.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_RI.md:chunk-0",
      "title": "Rhode Island {#mlo_testing_hbk_stateSpecific_RI .concept}",
      "content": "# Rhode Island \n\nState PE and CE Requirements for MLOs\n\n## Pre-Licensure Education Requirements \n\nNew state-licensed MLOs are required to complete 20 hours of NMLS-approved education.This education must include 3 hours of Federal law, 3 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), 2 hours of non-traditional mortgage lending, 9 hours of undefined education \\(referred to as electives\\) + 3 hours of RI law.\n\n**Important:** Rhode Island has a requirement for 3 hours of instruction on state-specific law which may be satisfied by either taking a RI comprehensive course or a state-specific elective course.\n\nNumber of hours is 3/3/2/9/+ 3hrs of RI law = 20\n\n**PE Expiration: Pending Enactment** See the State Licensing Checklist Compiler for details.\n\n## Continuing Education Requirements \n\n**MLO:** Every state licensed MLO \\(in any approved status\\) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed \\(unless PE was completed in the same year\\).Annual CE education must include 3 hours of Federal law, 2 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), and 2 hours of non-traditional mortgage lending, *plus 1 hour of RI-specific education* \\(referred to as an elective\\).\n\nNumber of hours is 3/2/2/ + 1hr of RI law =8\n\n**Additional Persons:** N/A.\n\n\n\nIf I became federal compliant for PE between 2009–2024\n\n\n\nand was licensed between 2009–2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**YES**\n\n\n\nIf I became federal compliant for PE in 2025\n\n\n\nand I was approved for an initial license in 2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**No**\n\n\n## Deadline \n\n**The deadline to complete CE is December 31**. However, MLOs in Rhode Island are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven \\(7\\) days for a course provider to report a course completion into NMLS, MLOs are ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_RI.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_RI.md",
      "headings": [
        "Rhode Island {#mlo_testing_hbk_stateSpecific_RI .concept}",
        "Pre-Licensure Education Requirements {#section_kns_x1j_mbc .section}",
        "Continuing Education Requirements {#section_lns_x1j_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_RI.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_RI.md:chunk-1",
      "title": "Rhode Island {#mlo_testing_hbk_stateSpecific_RI .concept}",
      "content": "re prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven \\(7\\) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.\n\n**Parent topic:**State-Specific Education Requirements \\(PE and CE\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_RI.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_RI.md",
      "headings": [
        "Rhode Island {#mlo_testing_hbk_stateSpecific_RI .concept}",
        "Pre-Licensure Education Requirements {#section_kns_x1j_mbc .section}",
        "Continuing Education Requirements {#section_lns_x1j_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_RI.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_SC_BFI.md:chunk-0",
      "title": "South Carolina BFI {#mlo_testing_hbk_stateSpecific_SC_dni .concept}",
      "content": "# South Carolina BFI \n\nSouth Carolina BFI PE and CE Requirements for MLOs\n\n## Pre-Licensure Education Requirements \n\nNew state-licensed MLOs are required to complete 20 hours of NMLS-approved education.This education must include 3 hours of Federal law, 3 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), 2 hours of non-traditional mortgage lending, plus 12 hours of undefined education \\(referred to as electives\\).\n\n**Important:** South Carolina BFI has a requirement for 3 hours of instruction on state-specific law which may be satisfied by either taking a SC-BFI comprehensive course or a state-specific elective course.\n\nNumber of hours is 3/3/2/9 + 3 hours of SC-BFI law = 20\n\n**PE Expiration: Pending Enactment** See the State Licensing Checklist Compiler for details.\n\n## Continuing Education Requirements \n\n**MLO:** Every state licensed MLO \\(in any approved status\\) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed \\(unless PE was completed in the same year\\).Annual CE education must include 3 hours of Federal law, 2 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), and 2 hours of non-traditional mortgage lending, *plus 1 hour of SC-BFI-specific education \\(referred to as an elective\\).*\n\nNumber of hours is 3/2/2/+ 1hr of SC-BFI law = 8\n\n**Additional Persons:** N/A.\n\n\n\nIf I became federal compliant for PE between 2009–2024\n\n\n\nand was licensed between 2009–2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**YES**\n\n\n\nIf I became federal compliant for PE in 2025\n\n\n\nand I was approved for an initial license in 2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**No**\n\n\n## Deadline \n\n**The deadline to complete CE is December 31**. However, MLOs with South Carolina-BFI are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven \\(7\\) days for a course provider to report a ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_SC_BFI.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_SC_BFI.md",
      "headings": [
        "South Carolina BFI {#mlo_testing_hbk_stateSpecific_SC_dni .concept}",
        "Pre-Licensure Education Requirements {#section_ons_x1j_mbc .section}",
        "Continuing Education Requirements {#section_pns_x1j_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_SC_BFI.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_SC_BFI.md:chunk-1",
      "title": "South Carolina BFI {#mlo_testing_hbk_stateSpecific_SC_dni .concept}",
      "content": "owever, MLOs with South Carolina-BFI are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven \\(7\\) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.\n\n**Parent topic:**State-Specific Education Requirements \\(PE and CE\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_SC_BFI.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_SC_BFI.md",
      "headings": [
        "South Carolina BFI {#mlo_testing_hbk_stateSpecific_SC_dni .concept}",
        "Pre-Licensure Education Requirements {#section_ons_x1j_mbc .section}",
        "Continuing Education Requirements {#section_pns_x1j_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_SC_BFI.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_SC_DCA.md:chunk-0",
      "title": "South Carolina DCA {#mlo_testing_hbk_stateSpecific_SC_DNI .concept}",
      "content": "# South Carolina DCA \n\nSouth Carolina DCA PE and CE Requirements for MLOs\n\n## Pre-Licensure Education Requirements \n\nNew state-licensed MLOs are required to complete 20 hours of NMLS-approved education.This education must include 3 hours of Federal law, 3 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), 2 hours of non-traditional mortgage lending, plus 12 hours of undefined education \\(referred to as electives\\).\n\n**Important:** South Carolina DCA has a requirement for 3 hours of instruction on state-specific law which may be satisfied by either taking a SC-DCA comprehensive course or a state-specific elective course.\n\nNumber of hours is 3/3/2/9 + 3 hours of SC-DCA law = 20\n\n**PE Expiration: Pending Enactment** See the State Licensing Checklist Compiler for details.\n\n## Continuing Education Requirements \n\n**MLO:** Every state licensed MLO \\(in any approved status\\) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed \\(unless PE was completed in the same year\\).Annual CE education must include 3 hours of Federal law, 2 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), and 2 hours of non-traditional mortgage lending, *plus 1 hour of SC-DCA-specific education* \\(referred to as an elective\\).\n\nNumber of hours is 3/2/2/+ 1hr of SC-DCA law = 8\n\n**Additional Persons:** N/A.\n\n\n\nIf I became federal compliant for PE between 2009–2024\n\n\n\nand was licensed between 2009–2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**YES**\n\n\n\nIf I became federal compliant for PE in 2025\n\n\n\nand I was approved for an initial license in 2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**No**\n\n\n## Deadline \n\n**The deadline to complete CE is November 30.** However, MLOs with South Carolina-DCA are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven \\(7\\) days for a course provider to report a ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_SC_DCA.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_SC_DCA.md",
      "headings": [
        "South Carolina DCA {#mlo_testing_hbk_stateSpecific_SC_DNI .concept}",
        "Pre-Licensure Education Requirements {#section_sns_x1j_mbc .section}",
        "Continuing Education Requirements {#section_tns_x1j_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_SC_DCA.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_SC_DCA.md:chunk-1",
      "title": "South Carolina DCA {#mlo_testing_hbk_stateSpecific_SC_DNI .concept}",
      "content": "owever, MLOs with South Carolina-DCA are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven \\(7\\) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.\n\n**Parent topic:**State-Specific Education Requirements \\(PE and CE\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_SC_DCA.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_SC_DCA.md",
      "headings": [
        "South Carolina DCA {#mlo_testing_hbk_stateSpecific_SC_DNI .concept}",
        "Pre-Licensure Education Requirements {#section_sns_x1j_mbc .section}",
        "Continuing Education Requirements {#section_tns_x1j_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_SC_DCA.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_SD.md:chunk-0",
      "title": "South Dakota {#mlo_testing_hbk_stateSpecific_SD .concept}",
      "content": "# South Dakota \n\nState PE and CE Requirements for MLOs\n\n## Pre-Licensure Education Requirements \n\nNew state-licensed MLOs are required to complete 20 hours of NMLS-approved education.This education must include 3 hours of Federal law, 3 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), 2 hours of non-traditional mortgage lending, plus 12 hours of undefined education \\(referred to as electives\\).\n\nNumber of hours is 3/3/2/12 = 20\n\n**PE Expiration: Pending Enactment Effective Jan 1, 2020** See the State Licensing Checklist Compiler for details\n\n## Continuing Education Requirements \n\n**MLO:** Every state licensed MLO \\(in any approved status\\) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed \\(unless PE was completed in the same year\\).Annual CE education must include 3 hours of Federal law, 2 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), 2 hours of non-traditional mortgage lending, plus one \\(1\\) additional hour of undefined \\(referred to as an elective\\).\n\nNumber of hours is 3/2/2/1 = 8\n\n**Additional Persons:** N/A.\n\n\n\nIf I became federal compliant for PE between 2009–2024\n\n\n\nand was licensed between 2009–2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**YES**\n\n\n\nIf I became federal compliant for PE in 2025\n\n\n\nand I was approved for an initial license in 2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**No**\n\n\n## Deadline \n\n**The deadline to complete CE is December 31.** However, MLOs in South Dakota are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven \\(7\\) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.\n\n**Parent topic:**State-Specific Education Requirements \\(PE and CE\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_SD.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_SD.md",
      "headings": [
        "South Dakota {#mlo_testing_hbk_stateSpecific_SD .concept}",
        "Pre-Licensure Education Requirements {#section_wns_x1j_mbc .section}",
        "Continuing Education Requirements {#section_xns_x1j_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_SD.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_TN.md:chunk-0",
      "title": "Tennessee {#mlo_testing_hbk_stateSpecific_TN .concept}",
      "content": "# Tennessee \n\nState PE and CE Requirements for MLOs\n\n## Pre-Licensure Education Requirements \n\nNew state-licensed MLOs are required to complete 20 hours of NMLS-approved education.This education must include 3 hours of Federal law, 3 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), 2 hours of non-traditional mortgage lending, plus 12 hours of undefined education \\(referred to as electives\\).\n\n**Important:** TN has a requirement for 2 hours of instruction on state-specific law which may be satisfied by either taking a TN comprehensive course or a state-specific elective course.\n\nNumber of hours is 3/3/2/10/+ 2hrs of TN law = 20\n\n**PE Expiration: Enacted** See the State Licensing Checklist Compiler for details.\n\n## Continuing Education Requirements \n\n**MLO:** Every state licensed MLO \\(in any approved status\\) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed \\(unless PE was completed in the same year\\).Annual CE education must include 3 hours of Federal law, 2 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), 2 hours of non-traditional mortgage lending, plus one \\(1\\) additional hour of undefined \\(referred to as an elective\\).\n\nNumber of hours is 3/2/2/1 = 8\n\n**Additional Persons:** N/A.\n\n\n\nIf I became federal compliant for PE between 2009–2024\n\n\n\nand was licensed between 2009–2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**YES**\n\n\n\nIf I became federal compliant for PE in 2025\n\n\n\nand I was approved for an initial license in 2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**No**\n\n\n## Deadline \n\n**The deadline to complete CE is December 31**. However, MLOs in Tennessee are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven \\(7\\) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minut",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_TN.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_TN.md",
      "headings": [
        "Tennessee {#mlo_testing_hbk_stateSpecific_TN .concept}",
        "Pre-Licensure Education Requirements {#section_a4s_x1j_mbc .section}",
        "Continuing Education Requirements {#section_b4s_x1j_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_TN.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_TN.md:chunk-1",
      "title": "Tennessee {#mlo_testing_hbk_stateSpecific_TN .concept}",
      "content": "f they have not completed CE. Since it may take as long as seven \\(7\\) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.\n\n**Parent topic:**State-Specific Education Requirements \\(PE and CE\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_TN.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_TN.md",
      "headings": [
        "Tennessee {#mlo_testing_hbk_stateSpecific_TN .concept}",
        "Pre-Licensure Education Requirements {#section_a4s_x1j_mbc .section}",
        "Continuing Education Requirements {#section_b4s_x1j_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_TN.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_TX_SML.md:chunk-0",
      "title": "Texas - SML {#mlo_testing_hbk_stateSpecific_TX_XXX .concept}",
      "content": "# Texas - SML \n\nTexas - SML PE and CE Requirements for MLOs\n\n## Pre-Licensure Education Requirements \n\nNew state-licensed MLOs are required to complete 20 hours of NMLS-approved education. This education must include 3 hours of Federal law, 3 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), 2 hours of non-traditional mortgage lending, plus 12 hours of undefined education \\(referred to as electives\\).\n\n**Important:** TX-SML has a requirement for 3 hours of instruction on state-specific law which may be satisfied by either taking a TX comprehensive course or a state-specific elective course.\n\nNumber of hours is 3/3/2/12 + 3hrs of TX-SML law = 23\n\n**Attention:** TX-SML will not accept any hours of other state-specific education to count towards the 12 hours of elective. MLOs are advised to complete either a 23 hour TX-SML Comprehensive course or a 20 hour Comprehensive course and a 3 hour TX-SML elective course.\n\n**Attention:** Lapsing of Pre-Licensing Education. PE requirement as listed above must be completed within 3 years of new or subsequent license application.\n\n**PE Expiration: Enacted** See the State Licensing Checklist Compiler for details.\n\n## Continuing Education Requirements \n\n**MLO:** Every state licensed MLO \\(in any approved status\\) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed \\(unless PE was completed in the same year\\).Annual CE education must include 3 hours of Federal law, 2 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), 2 hours of non-traditional mortgage lending, plus one \\(1\\) additional hour of undefined \\(referred to as an elective\\).\n\nNumber of hours is 3/2/2/1 = 8\n\n**Additional Persons:** N/A.\n\n\n\nIf I became federal compliant for PE between 2009–2024\n\n\n\nand was licensed between 2009–2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**YES**\n\n\n\nIf I became federal compliant for PE in 2025\n\n",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_TX_SML.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_TX_SML.md",
      "headings": [
        "Texas - SML {#mlo_testing_hbk_stateSpecific_TX_XXX .concept}",
        "Pre-Licensure Education Requirements {#section_i4s_x1j_mbc .section}",
        "Continuing Education Requirements {#section_j4s_x1j_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_TX_SML.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_TX_SML.md:chunk-1",
      "title": "Texas - SML {#mlo_testing_hbk_stateSpecific_TX_XXX .concept}",
      "content": "/A.\n\n\n\nIf I became federal compliant for PE between 2009–2024\n\n\n\nand was licensed between 2009–2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**YES**\n\n\n\nIf I became federal compliant for PE in 2025\n\n\n\nand I was approved for an initial license in 2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**No**\n\n\n## Deadline \n\n**The deadline to complete CE is December 31**. However, MLOs with Texas-SML are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven \\(7\\) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.\n\n**Parent topic:**State-Specific Education Requirements \\(PE and CE\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_TX_SML.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_TX_SML.md",
      "headings": [
        "Texas - SML {#mlo_testing_hbk_stateSpecific_TX_XXX .concept}",
        "Pre-Licensure Education Requirements {#section_i4s_x1j_mbc .section}",
        "Continuing Education Requirements {#section_j4s_x1j_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_TX_SML.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_TX_occc.md:chunk-0",
      "title": "Texas-OCCC {#mlo_testing_hbk_stateSpecific_TX_occc .concept}",
      "content": "# Texas-OCCC \n\nTexas-OCCC PE and CE Requirements for MLOs\n\n## Pre-Licensure Education Requirements \n\nNew state-licensed MLOs are required to complete 20 hours of NMLS-approved education.This education must include 3 hours of Federal law, 3 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), 2 hours of non-traditional mortgage lending, plus 12 hours of undefined education \\(referred to as electives\\).\n\nNumber of hours is 3/3/2/12 = 20\n\n**PE Expiration: Enacted** See the State Licensing Checklist Compiler for details.\n\n## Continuing Education Requirements \n\n**MLO:** Every state licensed MLO \\(in any approved status\\) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed \\(unless PE was completed in the same year\\).Annual CE education must include 3 hours of Federal law, 2 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), 2 hours of non-traditional mortgage lending, plus one \\(1\\) additional hour of undefined \\(referred to as an elective\\).\n\nNumber of hours is 3/2/2/1 = 8\n\n**Additional Persons:** N/A.\n\n\n\nIf I became federal compliant for PE between 2009–2024\n\n\n\nand was licensed between 2009–2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**YES**\n\n\n\nIf I became federal compliant for PE in 2025\n\n\n\nand I was approved for an initial license in 2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**No**\n\n\n## Deadline \n\n**The deadline to complete CE is December 31**. However, MLOs with Texas-OCCC are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven \\(7\\) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.\n\n**Parent topic:**State-Specific Education Requirements \\(PE and CE\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_TX_occc.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_TX_occc.md",
      "headings": [
        "Texas-OCCC {#mlo_testing_hbk_stateSpecific_TX_occc .concept}",
        "Pre-Licensure Education Requirements {#section_e4s_x1j_mbc .section}",
        "Continuing Education Requirements {#section_f4s_x1j_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_TX_occc.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_VA.md:chunk-0",
      "title": "Virginia {#mlo_testing_hbk_stateSpecific_VA .concept}",
      "content": "# Virginia \n\nState PE and CE Requirements for MLOs\n\n## Pre-Licensure Education Requirements \n\nNew state-licensed MLOs are required to complete 20 hours of NMLS-approved education.This education must include 3 hours of Federal law, 3 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), 2 hours of non-traditional mortgage lending, plus 12 hours of undefined education \\(referred to as electives\\).\n\nNumber of hours is 3/3/2/12 = 20\n\n**PE Expiration: Enacted** See the State Licensing Checklist Compiler for details.\n\n## Continuing Education Requirements \n\n**MLO:** Every state licensed MLO \\(in any approved status\\) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed \\(unless PE was completed in the same year\\).Annual CE education must include 3 hours of Federal law, 2 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), 2 hours of non-traditional mortgage lending, plus one \\(1\\) additional hour of undefined \\(referred to as an elective\\).\n\nNumber of hours is 3/2/2/1 = 8\n\n**Additional Persons:** N/A.\n\n\n\nIf I became federal compliant for PE between 2009–2024\n\n\n\nand was licensed between 2009–2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**YES**\n\n\n\nIf I became federal compliant for PE in 2025\n\n\n\nand I was approved for an initial license in 2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**No**\n\n\n## Deadline \n\n**The deadline to complete CE is December 31**. However, MLOs in Virginia are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven \\(7\\) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.\n\n**Parent topic:**State-Specific Education Requirements \\(PE and CE\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_VA.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_VA.md",
      "headings": [
        "Virginia {#mlo_testing_hbk_stateSpecific_VA .concept}",
        "Pre-Licensure Education Requirements {#section_dps_x1j_mbc .section}",
        "Continuing Education Requirements {#section_eps_x1j_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_VA.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_VI.md:chunk-0",
      "title": "Virgin Islands {#mlo_testing_hbk_stateSpecific_VI .concept}",
      "content": "# Virgin Islands \n\nState PE and CE Requirements for MLOs\n\n## Pre-Licensure Education Requirements \n\nNew state-licensed MLOs are required to complete 20 hours of NMLS-approved education.This education must include 3 hours of Federal law, 3 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), 2 hours of non-traditional mortgage lending, plus 12 hours of undefined education \\(referred to as electives\\).\n\nNumber of hours is 3/3/2/12 = 20\n\n**PE Expiration: Pending Enactment** See the State Licensing Checklist Compiler for details.\n\n## Continuing Education Requirements \n\n**MLO:** Every state licensed MLO \\(in any approved status\\) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed \\(unless PE was completed in the same year\\).Annual CE education must include 3 hours of Federal law, 2 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), 2 hours of non-traditional mortgage lending, plus one \\(1\\) additional hour of undefined \\(referred to as an elective\\).\n\nNumber of hours is 3/2/2/1 = 8\n\n**Additional Persons:** N/A.\n\n\n\nIf I became federal compliant for PE between 2009–2024\n\n\n\nand was licensed between 2009–2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**YES**\n\n\n\nIf I became federal compliant for PE in 2025\n\n\n\nand I was approved for an initial license in 2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**No**\n\n\n## Deadline \n\n**The deadline to complete CE is December 31**. However, MLOs in the Virgin Islands are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven \\(7\\) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.\n\n**Parent topic:**State-Specific Education Requirements \\(PE and CE\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_VI.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_VI.md",
      "headings": [
        "Virgin Islands {#mlo_testing_hbk_stateSpecific_VI .concept}",
        "Pre-Licensure Education Requirements {#section_z4s_x1j_mbc .section}",
        "Continuing Education Requirements {#section_aps_x1j_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_VI.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_VT.md:chunk-0",
      "title": "Vermont {#mlo_testing_hbk_stateSpecific_VT .concept}",
      "content": "# Vermont \n\nState PE and CE Requirements for MLOs\n\n## Pre-Licensure Education Requirements \n\nNew state-licensed MLOs are required to complete 20 hours of NMLS-approved education.This education must include 3 hours of Federal law, 3 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), 2 hours of non-traditional mortgage lending, plus 12 hours of undefined education \\(referred to as electives\\).\n\n**Important:** VT has a requirement for 2 hours of instruction on state-specific law which may be satisfied by either taking a VT comprehensive course or a state-specific elective course.\n\nNumber of hours is 3/3/2/10/+ 2hrs of VT law = 20\n\n**PE Expiration: Enacted** See the State Licensing Checklist Compiler for details.\n\n## Continuing Education Requirements \n\n**MLO:** Every state licensed MLO \\(in any approved status\\) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed \\(unless PE was completed in the same year\\).Annual CE education must include 3 hours of Federal law, 2 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), 2 hours of non-traditional mortgage lending, plus one \\(1\\) additional hour of undefined \\(referred to as an elective\\).\n\nNumber of hours is 3/2/2/1 = 8\n\n**Additional Persons:** N/A.\n\n\n\nIf I became federal compliant for PE between 2009–2024\n\n\n\nand was licensed between 2009–2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**YES**\n\n\n\nIf I became federal compliant for PE in 2025\n\n\n\nand I was approved for an initial license in 2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**No**\n\n\n## Deadline \n\n**The deadline to complete CE is December 1**. However, MLOs in Vermont are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven \\(7\\) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_VT.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_VT.md",
      "headings": [
        "Vermont {#mlo_testing_hbk_stateSpecific_VT .concept}",
        "Pre-Licensure Education Requirements {#section_v4s_x1j_mbc .section}",
        "Continuing Education Requirements {#section_w4s_x1j_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_VT.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_VT.md:chunk-1",
      "title": "Vermont {#mlo_testing_hbk_stateSpecific_VT .concept}",
      "content": "y have not completed CE. Since it may take as long as seven \\(7\\) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.\n\n**Parent topic:**State-Specific Education Requirements \\(PE and CE\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_VT.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_VT.md",
      "headings": [
        "Vermont {#mlo_testing_hbk_stateSpecific_VT .concept}",
        "Pre-Licensure Education Requirements {#section_v4s_x1j_mbc .section}",
        "Continuing Education Requirements {#section_w4s_x1j_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_VT.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_WA.md:chunk-0",
      "title": "Washington {#mlo_testing_hbk_stateSpecific_WA .concept}",
      "content": "# Washington \n\nState PE and CE Requirements for MLOs\n\n## Pre-Licensure Education Requirements \n\nNew state-licensed MLOs are required to complete 20 hours of NMLS-approved education. This education must include 3 hours of Federal law, 3 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), 2 hours of non-traditional mortgage lending, 10 hours of undefined education \\(referred to as electives\\) + 4 hours of WA law.\n\n**Important:** Washington has a requirement for 4 hours of instruction on state-specific law which may be satisfied by either taking a WA comprehensive course or a state-specific elective course.\n\nNumber of hours is 3/3/2/10/+ 4hrs of WA law = 22\n\n**PE Expiration: Pending Enactment** See the State Licensing Checklist Compiler for details.\n\n## Continuing Education Requirements \n\n**MLO:** Every state licensed MLO \\(in any approved status\\) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed \\(unless PE was completed in the same year\\).Annual CE education must include 3 hours of Federal law, 2 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), and 2 hours of non-traditional mortgage lending,1 hour of elective, *plus 1 hour of WA-specific education*.\n\nNumber of hours is 3/2/2/1 + 1hr of WA law = 9\n\n**Additional Persons:** N/A.\n\n\n\nIf I became federal compliant for PE between 2009–2024\n\n\n\nand was licensed between 2009–2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**YES**\n\n\n\nIf I became federal compliant for PE in 2025\n\n\n\nand I was approved for an initial license in 2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**No**\n\n\n## Deadline \n\n**The deadline to complete CE is December 15**. However, MLOs in Washington are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven \\(7\\) days for a course provider to report a course completion into NMLS, MLOs are strongly enco",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_WA.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_WA.md",
      "headings": [
        "Washington {#mlo_testing_hbk_stateSpecific_WA .concept}",
        "Pre-Licensure Education Requirements {#section_hps_x1j_mbc .section}",
        "Continuing Education Requirements {#section_ips_x1j_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_WA.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_WA.md:chunk-1",
      "title": "Washington {#mlo_testing_hbk_stateSpecific_WA .concept}",
      "content": " from applying to renew their license if they have not completed CE. Since it may take as long as seven \\(7\\) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.\n\n**Parent topic:**State-Specific Education Requirements \\(PE and CE\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_WA.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_WA.md",
      "headings": [
        "Washington {#mlo_testing_hbk_stateSpecific_WA .concept}",
        "Pre-Licensure Education Requirements {#section_hps_x1j_mbc .section}",
        "Continuing Education Requirements {#section_ips_x1j_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_WA.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_WI.md:chunk-0",
      "title": "Wisconsin {#mlo_testing_hbk_stateSpecific_WI .concept}",
      "content": "# Wisconsin \n\nState PE and CE Requirements for MLOs\n\n## Pre-Licensure Education Requirements \n\nNew state-licensed MLOs are required to complete 20 hours of NMLS-approved education.This education must include 3 hours of Federal law, 3 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), 2 hours of non-traditional mortgage lending, plus 12 hours of undefined education \\(referred to as electives\\).\n\nNumber of hours is 3/3/2/12 = 20\n\n**PE Expiration: Pending Enactment** See the State Licensing Checklist Compiler for details.\n\n## Continuing Education Requirements \n\n**MLO:** Every state licensed MLO \\(in any approved status\\) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed \\(unless PE was completed in the same year\\).Annual CE education must include 3 hours of Federal law, 2 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), 2 hours of non-traditional mortgage lending, plus one \\(1\\) additional hour of undefined \\(referred to as an elective\\).\n\nNumber of hours is 3/2/2/1 = 8\n\n**Additional Persons:** N/A.\n\n\n\nIf I became federal compliant for PE between 2009–2024\n\n\n\nand was licensed between 2009–2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**YES**\n\n\n\nIf I became federal compliant for PE in 2025\n\n\n\nand I was approved for an initial license in 2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**No**\n\n\n## Deadline \n\n**The deadline to complete CE is December 31**. However, MLOs in Wisconsin are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven \\(7\\) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.\n\n**Parent topic:**State-Specific Education Requirements \\(PE and CE\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_WI.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_WI.md",
      "headings": [
        "Wisconsin {#mlo_testing_hbk_stateSpecific_WI .concept}",
        "Pre-Licensure Education Requirements {#section_ops_x1j_mbc .section}",
        "Continuing Education Requirements {#section_pps_x1j_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_WI.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_WV.md:chunk-0",
      "title": "West Virginia {#mlo_testing_hbk_stateSpecific_WV .concept}",
      "content": "# West Virginia \n\nState PE and CE Requirements for MLOs\n\n## Pre-Licensure Education Requirements \n\nNew state-licensed MLOs are required to complete 24 hours of NMLS-approved education. This education must include 3 hours of Federal law, 3 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), 2 hours of non- traditional mortgage lending, 12 hours of undefined education \\(referred to as electives\\) + 4 hours of WV law.\n\n**Important:** West Virginia has a requirement for 4 hours of instruction on state-specific law which may be satisfied by either taking a WV comprehensive course or a state-specific elective course.\n\nNumber of hours is 3/3/2/12/+ 4hrs of WV law = 24\n\n**PE Expiration: Pending Enactment** See the State Licensing Checklist Compiler for details.\n\n## Continuing Education Requirements \n\n**MLO:** Every state licensed MLO \\(in any approved status\\) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed \\(unless PE was completed in the same year\\).Annual CE education must include 3 hours of Federal law, 2 hours of ethics \\(which shall include fraud, consumer protection, and fair lending issues\\), and 2 hours of non-traditional mortgage lending, plus *2 hours of WV specific education* \\(referred to as an elective\\) .\n\nNumber of hours is 3/2/2/+ 2hr of WV law = 9\n\n**Additional Persons:** N/A.\n\n\n\nIf I became federal compliant for PE between 2009–2024\n\n\n\nand was licensed between 2009–2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**YES**\n\n\n\nIf I became federal compliant for PE in 2025\n\n\n\nand I was approved for an initial license in 2025\n\n\n\nam I required to complete CE in 2025\n\n\n\n**No**\n\n\n## Deadline \n\n**The deadline to complete CE is November 1**. However, MLOs in West Virginia are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven \\(7\\) days for a course provider to report a course completion into NMLS, M",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_WV.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_WV.md",
      "headings": [
        "West Virginia {#mlo_testing_hbk_stateSpecific_WV .concept}",
        "Pre-Licensure Education Requirements {#section_lps_x1j_mbc .section}",
        "Continuing Education Requirements {#section_d3n_c4m_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_WV.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_WV.md:chunk-1",
      "title": "West Virginia {#mlo_testing_hbk_stateSpecific_WV .concept}",
      "content": "rginia are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven \\(7\\) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.\n\n**Parent topic:**State-Specific Education Requirements \\(PE and CE\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_WV.md",
      "relative_path": "maps\\NMLS\\education\\mlo_testing\\state_specificReqs\\mlo_testing_hbk_stateSpecific_WV.md",
      "headings": [
        "West Virginia {#mlo_testing_hbk_stateSpecific_WV .concept}",
        "Pre-Licensure Education Requirements {#section_lps_x1j_mbc .section}",
        "Continuing Education Requirements {#section_d3n_c4m_mbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/education/mlo_testing/state_specificReqs/mlo_testing_hbk_stateSpecific_WV.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/00_common/mlo_groupFingerprinting.md:chunk-0",
      "title": "Group Appointments and Group Scheduling for Fingerprinting {#xd_63ba310657609ca1-3e1d5a7b-19ad560d16b--7ffb .concept}",
      "content": "# Group Appointments and Group Scheduling for Fingerprinting \n\nPrior to a group appointment or group scheduling, a Criminal Background Check Authorization must be submitted in NMLS for each individual that will be fingerprinted during the session. Each individual will need to print out and bring a copy of the Criminal Background Check Requests page from their NMLS account.\n\nThe fingerprint representative will use this information to confirm the individual’s name, NMLS ID number, and they have an open Criminal Background Check Authorization.\n\n## Personalized Group Appointments \n\nFieldprint can arrange to visit your location to capture fingerprints for groups of 30 or more individuals. The cost of this service is in addition to any NMLS fees and will vary based on the location and number of individuals to be fingerprinted. A minimum of two weeks advance notice is requested. Additionally, due to high volume during certain times of year, not all requests may be able to be accommodated. Please call 877-614-4361 for a cost estimate based on your specific needs.\n\n## Group Scheduling \n\nA group scheduling option at an existing NMLS-approved livescan site is available for groups of 10 or more mortgage loan originators. We can schedule your group of MLOs at one of NMLS approved livescan sites at a specific date and time. This can be more efficient than having your MLOs schedule their fingerprint collection at various dates and times. There is no additional cost for this service. Please call 877-614-4361 to schedule a group of 10 or more individuals at one of our Livescan sites.\n\n**Parent topic:**Managing MLO Criminal Background Checks\n\n**Related information**  \n\nCFPB Privacy Notice\n\nPrivacy Act Statement\n\nBenefits of Electronic \\(Live Scan\\) vs. Paper Card Fingerprint Capture",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\00_common\\mlo_groupFingerprinting.md",
      "relative_path": "maps\\NMLS\\licensing\\00_common\\mlo_groupFingerprinting.md",
      "headings": [
        "Group Appointments and Group Scheduling for Fingerprinting {#xd_63ba310657609ca1-3e1d5a7b-19ad560d16b--7ffb .concept}",
        "Personalized Group Appointments {#section_snh_pzb_nhc .section}",
        "Group Scheduling {#section_iwn_pzb_nhc .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/00_common/mlo_groupFingerprinting.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licCompESB_BrokerOfRec_change.md:chunk-0",
      "title": "Accepting a Broker of Record Change {#licCompESB_acceptingABrokerOfRecordChange .task}",
      "content": "# Accepting a Broker of Record Change \n\nAccept a Broker of Record \\(BOR\\) change in NMLS after it has been initiated by a Surety Company.\n\nA Broker of Record \\(BOR\\) change must first be initiated by the Surety Company before it can be accepted in NMLS. This process updates the broker associated with your company’s surety bond.\n\n**Note:** Outstanding bonds with the outgoing broker of record must be resolved before a change can be accepted.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  From the Home screen, click the Tasks tab.\n\n4.  In the Tasks section, click **Surety Bonds** either in the top menu bar or in the description panel.\n\n5.  On the Bonds Pending Action page, click **Broker of Record Changes** in the left navigation panel.\n\n6.  Click **Review** next to the broker of record change you need to process.\n\n7.  Review the details of the broker of record change.\n\n8.  Click **Accept** to approve the change, or **Deny** to reject it.\n\n    **Note:** If you deny the broker of record change, you must enter a note explaining the denial.\n\n**Parent topic:**Executing a Bond",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licCompESB_BrokerOfRec_change.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licCompESB_BrokerOfRec_change.md",
      "headings": [
        "Accepting a Broker of Record Change {#licCompESB_acceptingABrokerOfRecordChange .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licCompESB_BrokerOfRec_change.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licCompESB_ESBforLicensees_managing.md:chunk-0",
      "title": "Managing NMLS Electronic Surety Bonds for Licensees {#licCompESB_managingNmlsElectronicSuretyBondsForLicensees .concept}",
      "content": "# Managing NMLS Electronic Surety Bonds for Licensees \n\nUnderstand how electronic surety bonds are managed within NMLS for company licensees, including submission, tracking, and compliance requirements.\n\nNMLS provides an electronic surety bond \\(ESB\\) system that allows company licensees to meet state bond requirements electronically. ESB management replaces paper bond submission and enables secure, real-time communication between licensees, surety companies, and state regulators.\n\nThe ESB process in NMLS covers the full lifecycle of a bond, including:\n\n-   Submission of new bonds and bond riders by surety companies on behalf of licensees\n-   Tracking bond status and history within the system\n-   Managing bond changes, such as increases or cancellations\n-   Maintaining compliance with state-specific bonding requirements\n\nCompany licensees rely on ESB functionality to ensure that their required surety bonds are continuously maintained and that regulators have accurate, up-to-date information. Bond obligations vary by license type and state, so companies must understand both NMLS system processes and state regulatory requirements when managing ESBs.\n\nFor more details on managing ESBs as a licensee in NMLS, see:\n\n-   Gathering ESB Requirements\n-   Granting Authority to Your Surety Bond Issuer\n-   Removing Authority from a Surety Bond Issuer\n-   Executing a Bond\n\nFor authoritative information on policy requirements, refer to the NMLS Policy Guide.\n\n-   **Gathering ESB Requirements**  \nLearn how to identify and gather the electronic surety bond requirements your company must meet for licensing in NMLS.\n-   **Granting Authority to Your Surety Bond Issuer**  \nLearn how to grant authority to your surety bond issuer in NMLS, enabling them to submit and manage your electronic surety bond for state licensing compliance.\n-   **Removing Authority from a Surety Bond Issuer**  \nLearn how to remove authority from a surety bond issuer in NMLS to revoke their ability to manage your c",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licCompESB_ESBforLicensees_managing.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licCompESB_ESBforLicensees_managing.md",
      "headings": [
        "Managing NMLS Electronic Surety Bonds for Licensees {#licCompESB_managingNmlsElectronicSuretyBondsForLicensees .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licCompESB_ESBforLicensees_managing.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licCompESB_ESBforLicensees_managing.md:chunk-1",
      "title": "Managing NMLS Electronic Surety Bonds for Licensees {#licCompESB_managingNmlsElectronicSuretyBondsForLicensees .concept}",
      "content": "ety bond for state licensing compliance.\n-   **Removing Authority from a Surety Bond Issuer**  \nLearn how to remove authority from a surety bond issuer in NMLS to revoke their ability to manage your company’s electronic surety bond for state licensing.\n-   **Executing a Bond**  \nLearn how surety bonds and bond riders are executed in NMLS, including company and Control Person signature workflows.\n\n**Parent topic:**Chapter II—NMLS Company Form \\(MU1\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licCompESB_ESBforLicensees_managing.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licCompESB_ESBforLicensees_managing.md",
      "headings": [
        "Managing NMLS Electronic Surety Bonds for Licensees {#licCompESB_managingNmlsElectronicSuretyBondsForLicensees .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licCompESB_ESBforLicensees_managing.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licCompESB_bondReqAction_reviewing.md:chunk-0",
      "title": "Reviewing Bonds Requiring Action {#licCompESB_reviewingBondsRequiringAction .task}",
      "content": "# Reviewing Bonds Requiring Action \n\nReview bonds in NMLS that require company action to ensure compliance with state licensing requirements.\n\nUse the Bonds Pending Action page in NMLS to review electronic surety bonds \\(ESBs\\) or bond riders that need company attention. You may receive email notifications of pending bonds if designated as a notification contact by an Account Administrator or Notifications Administrator. Alternatively, you can navigate to the page manually.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  From the Dashboard on the Home tab, scroll to **Surety Bonds and Riders**.\n\n4.  Click the hyperlink for the appropriate bond category.\n\n5.  Click **Review** next to the bond you want to review.\n\n6.  \\(Alternative\\) To access without the dashboard, click the Tasks tab, then click the **Surety Bonds** submenu.\n\n**Parent topic:**Executing a Bond",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licCompESB_bondReqAction_reviewing.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licCompESB_bondReqAction_reviewing.md",
      "headings": [
        "Reviewing Bonds Requiring Action {#licCompESB_reviewingBondsRequiringAction .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licCompESB_bondReqAction_reviewing.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licCompESB_bondRiderforMU2controlPerson_signing.md:chunk-0",
      "title": "Signing a Bond or Bond Rider for Control Persons \\(MU2 Individuals\\) {#licCompESB_signingABondOrBondRiderForControlPersonsMu2Individuals .task}",
      "content": "# Signing a Bond or Bond Rider for Control Persons \\(MU2 Individuals\\) \n\nControl Persons \\(MU2 individuals\\) sign bonds or bond riders in their individual NMLS account when designated as a signatory by a company user.\n\nWhen a company user designates a Control Person as the bond signatory, the bond appears in the individual’s NMLS account. The Control Person must log in and sign the bond electronically.\n\n**Note:** Delivery of the bond to the regulator is completed by a company user through the Mark Ready process.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Click the Filing tab, then click **Surety Bonds**.\n\n4.  Click **Review** next to the bond that requires your signature.\n\n5.  Enter your title in the **Signatory Title** field.\n\n6.  Check the box in the attestation language.\n\n7.  Click **Sign** to complete the signature, or click **Cancel** to return without signing.\n\n    **Note:** If corrections are needed, a company user must return the bond to the surety for changes.\n\n**Parent topic:**Executing a Bond",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licCompESB_bondRiderforMU2controlPerson_signing.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licCompESB_bondRiderforMU2controlPerson_signing.md",
      "headings": [
        "Signing a Bond or Bond Rider for Control Persons \\(MU2 Individuals\\) {#licCompESB_signingABondOrBondRiderForControlPersonsMu2Individuals .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licCompESB_bondRiderforMU2controlPerson_signing.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licCompESB_bond_delivering.md:chunk-0",
      "title": "Delivering a Bond {#licCompESB_deliveringABond .task}",
      "content": "# Delivering a Bond \n\nDeliver an electronic surety bond \\(ESB\\) or bond rider to the regulator in NMLS by completing the Mark Ready process.\n\nDelivery of a bond in NMLS occurs when a company user marks the bond “Ready” for the regulator. This step is required for first-time electronic submissions after the bond is signed by a company user or designated Control Person.\n\n**Note:** Bonds delivered for existing licenses are sent immediately to the regulator. Bonds associated with new license applications are delivered once the application is submitted.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  From the Dashboard on the Home tab, scroll to **Surety Bonds and Riders**.\n\n4.  Access the Manage Surety Bond or Rider page from the Bonds Pending Action list.\n\n5.  Review the bond details to confirm accuracy.\n\n6.  Check the box in the attestation language.\n\n7.  Click **Mark Ready**.\n\n    **Note:** Bonds that have already been delivered will no longer display in the Bonds Pending Action list.\n\n**Parent topic:**Executing a Bond",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licCompESB_bond_delivering.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licCompESB_bond_delivering.md",
      "headings": [
        "Delivering a Bond {#licCompESB_deliveringABond .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licCompESB_bond_delivering.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licCompESB_bond_executing.md:chunk-0",
      "title": "Executing a Bond {#licCompESB_executingABond .concept}",
      "content": "# Executing a Bond \n\nLearn how surety bonds and bond riders are executed in NMLS, including company and Control Person signature workflows.\n\nExecuting a bond in NMLS is the process of reviewing, signing, and delivering an electronic surety bond \\(ESB\\) or bond rider. Depending on state and license requirements, bonds may be signed directly by a company user or by a designated Control Person. All bonds must be marked ready before they can be delivered to the regulator, either as part of a new license application or for an existing license.\n\nThere are two primary workflows:\n\n-   **Company user signature:** A company user, such as an Account Administrator, signs and delivers the bond. First-time submissions require the user to also mark the bond ready for the regulator.\n-   **Control Person signature:** A company user designates a Control Person as the signatory. The Control Person signs the bond in their NMLS account, after which a company user must mark it ready for regulator delivery.\n\nThe following topics provide step-by-step instructions for each part of the bond execution process:\n\n-   Reviewing Bonds Requiring Action\n-   Signing a Bond as a Company User\n-   Delivering a Bond\n-   Designating a Control Person as a Signatory\n-   Signing a Bond or Bond Rider for Control Persons \\(MU2 Individuals\\)\n-   Marking a Bond Ready\n-   Accepting a Broker of Record Change\n\nFor authoritative requirements and exceptions, see the NMLS Policy Guide.\n\n-   **Reviewing Bonds Requiring Action**  \nReview bonds in NMLS that require company action to ensure compliance with state licensing requirements.\n-   **Signing a Bond as a Company User**  \nSign a surety bond or rider in NMLS as a company user and, if applicable, mark it ready for regulator delivery.\n-   **Delivering a Bond**  \nDeliver an electronic surety bond \\(ESB\\) or bond rider to the regulator in NMLS by completing the Mark Ready process.\n-   **Designating a Control Person as a Signatory**  \nDesignate a Control Person in NMLS t",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licCompESB_bond_executing.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licCompESB_bond_executing.md",
      "headings": [
        "Executing a Bond {#licCompESB_executingABond .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licCompESB_bond_executing.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licCompESB_bond_executing.md:chunk-1",
      "title": "Executing a Bond {#licCompESB_executingABond .concept}",
      "content": "n electronic surety bond \\(ESB\\) or bond rider to the regulator in NMLS by completing the Mark Ready process.\n-   **Designating a Control Person as a Signatory**  \nDesignate a Control Person in NMLS to sign a surety bond or rider on behalf of your company.\n-   **Signing a Bond or Bond Rider for Control Persons \\(MU2 Individuals\\)**  \nControl Persons \\(MU2 individuals\\) sign bonds or bond riders in their individual NMLS account when designated as a signatory by a company user.\n-   **Marking a Bond Ready**  \nMark a bond or bond rider ready in NMLS to complete delivery to the regulator.\n-   **Accepting a Broker of Record Change**  \nAccept a Broker of Record \\(BOR\\) change in NMLS after it has been initiated by a Surety Company.\n\n**Parent topic:**Managing NMLS Electronic Surety Bonds for Licensees",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licCompESB_bond_executing.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licCompESB_bond_executing.md",
      "headings": [
        "Executing a Bond {#licCompESB_executingABond .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licCompESB_bond_executing.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licCompESB_companyUserBond_signing.md:chunk-0",
      "title": "Signing a Bond as a Company User {#licCompESB_signingABondAsACompanyUser .task}",
      "content": "# Signing a Bond as a Company User \n\nSign a surety bond or rider in NMLS as a company user and, if applicable, mark it ready for regulator delivery.\n\nUse the Manage Surety Bond or Rider page to review and sign bonds that are pending company action. Company users may sign and deliver certain bonds depending on license-specific requirements.\n\n**Note:** For first-time electronic submissions, the bond must be marked “Ready” for regulator delivery after it is signed.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  From the Dashboard on the Home tab, scroll to **Surety Bonds and Riders**.\n\n4.  Access the Manage Surety Bond or Rider page from the Bonds Pending Action list.\n\n5.  Review bond details, including licensee, bond producer, bond amount, conversion status, and effective date.\n\n6.  Choose one of the following options:\n\n    -   **Sign** — Sign and save the bond. The bond will still need to be marked “Ready” to complete submission.\n    -   **Sign & Mark Ready** — Sign and immediately deliver the bond to the regulator \\(available only if a Control Person is not required\\).\n    -   **Mark Ready** — Deliver a bond that has already been signed by a company user or Control Person.\n    -   **Return to Surety** — Send the bond back to the surety for corrections.\n    -   **Decline** — Decline the bond.\n7.  If required, check the box in the attestation language before confirming your action.\n\n**Parent topic:**Executing a Bond",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licCompESB_companyUserBond_signing.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licCompESB_companyUserBond_signing.md",
      "headings": [
        "Signing a Bond as a Company User {#licCompESB_signingABondAsACompanyUser .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licCompESB_companyUserBond_signing.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licCompESB_gatheringEsbRequirements.md:chunk-0",
      "title": "Gathering ESB Requirements {#licCompESB_gatheringEsbRequirements .task}",
      "content": "# Gathering ESB Requirements \n\nLearn how to identify and gather the electronic surety bond requirements your company must meet for licensing in NMLS.\n\nBefore submitting an electronic surety bond \\(ESB\\) in NMLS, companies must determine which state agencies and license types require a bond, as well as any adoption timelines or conversion plans. Requirements differ for existing licensees and new applicants. Refer to the NMLS Resource Center for additional ESB resources and updates.\n\n1.  Consult the ESB license requirements to identify the participating state agencies, license types, and applicable deadlines.See the License Requirements and Fees Chart and State Licensing Checklist Compiler for detailed requirements.\n\n2.  For existing licensees, review the ESB Page on the NMLS Resource Center to determine bond conversion obligations.\n\n3.  For prospective applicants, review the New Application Checklists for each license type. Access these checklists on the State Licensing Checklist Compiler.\n\n**Parent topic:**Managing NMLS Electronic Surety Bonds for Licensees",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licCompESB_gatheringEsbRequirements.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licCompESB_gatheringEsbRequirements.md",
      "headings": [
        "Gathering ESB Requirements {#licCompESB_gatheringEsbRequirements .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licCompESB_gatheringEsbRequirements.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licCompESB_grantingAuthorityToYourSuretyBondIssuer.md:chunk-0",
      "title": "Granting Authority to Your Surety Bond Issuer {#licCompESB_grantingAuthorityToYourSuretyBondIssuer .task}",
      "content": "# Granting Authority to Your Surety Bond Issuer \n\nLearn how to grant authority to your surety bond issuer in NMLS, enabling them to submit and manage your electronic surety bond for state licensing compliance.\n\nGranting authority to a surety bond issuer allows both the surety company and its bond producer to create and manage bonds on behalf of your company in NMLS.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  From the Home screen, click the **Tasks** tab.\n\n4.  Click **Surety Bonds** from the top menu bar or the main description panel.\n\n5.  In the left navigation panel, click **Authorized Surety Entities**.\n\n6.  Click **Add Surety** at the bottom of the screen.\n\n7.  Enter the **Surety Identifier** \\(NAIC/NPN\\) or **Surety Entity Name** of the entity, then click **Search**.\n\n8.  Select the radio button for the desired entity from the returned results.\n\n9.  Click **Grant Authority** at the bottom of the page to complete the process.\n\n**Parent topic:**Managing NMLS Electronic Surety Bonds for Licensees",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licCompESB_grantingAuthorityToYourSuretyBondIssuer.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licCompESB_grantingAuthorityToYourSuretyBondIssuer.md",
      "headings": [
        "Granting Authority to Your Surety Bond Issuer {#licCompESB_grantingAuthorityToYourSuretyBondIssuer .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licCompESB_grantingAuthorityToYourSuretyBondIssuer.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licCompESB_signatoryControlPerson_diesignating.md:chunk-0",
      "title": "Designating a Control Person as a Signatory {#licCompESB_designatingAControlPersonAsASignatory .task}",
      "content": "# Designating a Control Person as a Signatory \n\nDesignate a Control Person in NMLS to sign a surety bond or rider on behalf of your company.\n\nSome bonds and bond riders require a Control Person to act as the signatory. A company user must designate the Control Person, after which the individual signs the bond from their own NMLS account. For first-time bond submissions, the company user must also mark the bond “Ready” after the Control Person has signed, to complete delivery to the regulator.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  From the Dashboard on the Home tab, scroll to **Surety Bonds and Riders**.\n\n4.  Access the Manage Surety Bond or Rider page from the Bonds Pending Action list.\n\n5.  Click **Designate Individual**.\n\n6.  Enter the required information to search for a Control Person \\(for example, Direct Owner, Executive Officer, or Indirect Owner with control\\), then click **Search**.\n\n7.  Select the appropriate individual by clicking their **NMLS ID Number**.\n\n8.  Click **Confirm**.\n\n    **Note:** The selected individual is displayed as the **Designated Signatory** and the bond is sent to the individual’s NMLS account for signature.\n\n9.  After the Control Person signs, return to the Bonds Pending Action page and mark the bond “Ready” to deliver it to the regulator.\n\n**Parent topic:**Executing a Bond",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licCompESB_signatoryControlPerson_diesignating.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licCompESB_signatoryControlPerson_diesignating.md",
      "headings": [
        "Designating a Control Person as a Signatory {#licCompESB_designatingAControlPersonAsASignatory .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licCompESB_signatoryControlPerson_diesignating.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licCompESB_sureBondIssuerAuthority_removing.md:chunk-0",
      "title": "Removing Authority from a Surety Bond Issuer {#licCompESB_removingAuthorityFromASuretyBondIssuer .task}",
      "content": "# Removing Authority from a Surety Bond Issuer \n\nLearn how to remove authority from a surety bond issuer in NMLS to revoke their ability to manage your company’s electronic surety bond for state licensing.\n\nYou can remove authority from a surety bond issuer only if there are no pending or active bonds issued by that entity. Bonds in Notice of Cancellation, Canceled, or Declined status are not considered pending or active.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  From the Home screen, click the **Tasks** tab.\n\n4.  Click **Surety Bonds** from the top menu bar or the main description panel.\n\n5.  In the left navigation panel, click **Authorized Surety Entities**.\n\n6.  Click **Remove** next to the desired Surety Entity Name.\n\n7.  Click **Remove Authority** to confirm the removal.\n\n**Parent topic:**Managing NMLS Electronic Surety Bonds for Licensees",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licCompESB_sureBondIssuerAuthority_removing.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licCompESB_sureBondIssuerAuthority_removing.md",
      "headings": [
        "Removing Authority from a Surety Bond Issuer {#licCompESB_removingAuthorityFromASuretyBondIssuer .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licCompESB_sureBondIssuerAuthority_removing.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licCompMU2_MU2sentToCompRep_recalling.md:chunk-0",
      "title": "Recalling an Individual MU2 Form Sent to a Company Representative {#licCompMU2_recallingAnIndividualMu2FormSentToACompanyRepresentative .task}",
      "content": "# Recalling an Individual MU2 Form Sent to a Company Representative \n\nLearn how to recall an Individual MU2 Form that was sent to a company representative, allowing you to make changes before resubmitting in NMLS.\n\nIf a request was sent to an individual by mistake or needs to be updated first, use the MU2 Forms area to recall the Individual \\(MU2\\) Form. After recalling, you can make updates or resend the MU2 as appropriate. For authoritative definitions and general requirements, see the NMLS Policy Guide.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Select **Filing** > **Company \\(MU1\\)** from the menu.\n\n    The Company Filing screen is displayed.\n\n4.  Select **Create New Filing**.\n\n    The Company Form \\(MU1\\) opens, beginning on the Business Activities screen.\n\n5.  Open the MU2 Forms area and locate the MU2 that was sent to the representative.\n\n6.  Select the **Recall** icon.\n\n    **Note:** After the recall, the company can update information or resend the MU2 from the MU1 filing when ready.\n\n**Parent topic:**Managing Individual MU2 Filings \\(Company\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licCompMU2_MU2sentToCompRep_recalling.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licCompMU2_MU2sentToCompRep_recalling.md",
      "headings": [
        "Recalling an Individual MU2 Form Sent to a Company Representative {#licCompMU2_recallingAnIndividualMu2FormSentToACompanyRepresentative .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licCompMU2_MU2sentToCompRep_recalling.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licCompMU2_MU2toCompRepForAmend_sending.md:chunk-0",
      "title": "Sending the MU2 Individual Form to a Company Representative for Amendment {#licCompMU2_sendingTheMu2IndividualFormToACompanyRepresentativeForAmendment .task}",
      "content": "# Sending the MU2 Individual Form to a Company Representative for Amendment \n\nLearn how to send the MU2 Individual Form to a company representative for amendment to update their licensing information in NMLS.\n\nUse the MU2 Forms area to send an Individual \\(MU2\\) Form to the representative when updates are needed. The individual will amend the form and attest as required. For authoritative definitions and general requirements, see the NMLS Policy Guide.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Select **Filing** > **Company \\(MU1\\)** from the menu.\n\n    The Company Filing screen is displayed.\n\n4.  Select **Create New Filing**.\n\n    The Company Form \\(MU1\\) opens, beginning on the Business Activities screen.\n\n5.  Open the MU2 Forms area in the MU1 filing.\n\n6.  Select the applicable individual and initiate the action to send the MU2 for that person to complete.\n\n7.  Select the **Request Attestation** icon.\n\n    **Note:** The MU2 appears in the individual’s NMLS account for completion and attestation.\n\n**Parent topic:**Managing Individual MU2 Filings \\(Company\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licCompMU2_MU2toCompRepForAmend_sending.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licCompMU2_MU2toCompRepForAmend_sending.md",
      "headings": [
        "Sending the MU2 Individual Form to a Company Representative for Amendment {#licCompMU2_sendingTheMu2IndividualFormToACompanyRepresentativeForAmendment .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licCompMU2_MU2toCompRepForAmend_sending.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licCompMU2_MU2toCompRepForComplete_sending.md:chunk-0",
      "title": "Sending the MU2 Individual Form to a Company Representative for Completion {#licCompMU2_sendingTheMu2IndividualFormToACompanyRepresentativeForCompletion .task}",
      "content": "# Sending the MU2 Individual Form to a Company Representative for Completion \n\nLearn how to send the MU2 Individual Form to a company representative for their review and completion as part of the NMLS licensing process.\n\nUse the MU2 workflow within the Company \\(MU1\\) filing to request that a designated individual completes and attests their Individual \\(MU2\\) Form. This action is initiated from the MU2 Forms area of the MU1 filing. For authoritative definitions and general requirements, see the NMLS Policy Guide.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Select **Filing** > **Company \\(MU1\\)** from the menu.\n\n    The Company Filing screen is displayed.\n\n4.  Select **Create New Filing**.\n\n    The Company Form \\(MU1\\) opens, beginning on the Business Activities screen.\n\n5.  Open the MU2 Forms area in the MU1 filing.\n\n6.  Select the applicable individual and initiate the action to send the MU2 for that person to complete.\n\n7.  Select the **Request Attestation** icon.\n\n    **Note:** The MU2 appears in the individual’s NMLS account for completion and attestation.\n\n**Parent topic:**Managing Individual MU2 Filings \\(Company\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licCompMU2_MU2toCompRepForComplete_sending.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licCompMU2_MU2toCompRepForComplete_sending.md",
      "headings": [
        "Sending the MU2 Individual Form to a Company Representative for Completion {#licCompMU2_sendingTheMu2IndividualFormToACompanyRepresentativeForCompletion .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licCompMU2_MU2toCompRepForComplete_sending.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licCompMU2_compLicRegIndFilings_managing.md:chunk-0",
      "title": "Managing Individual MU2 Filings \\(Company\\) {#licCompMU2_managingMu2IndividualFilingsForCompanyLicensesOrRegistrations .concept}",
      "content": "# Managing Individual MU2 Filings \\(Company\\) \n\nUnderstand the process for managing individual MU2 filings, including submitting, updating, and tracking licensing information for company representatives in NMLS.\n\nThe Individual \\(MU2\\) Form captures required information and disclosures for a company representative who must be associated with a company’s license filing in NMLS \\(for example, a control person, Qualifying Individual, or branch manager\\). Companies initiate and manage MU2 filings to support new license applications and ongoing maintenance of existing licenses.\n\nKey points for companies:\n\n-   **When MU2 is required:** Identifying roles such as direct owners, executive officers, Qualifying Individuals, or branch managers in a Company \\(MU1\\) or Branch \\(MU3\\) filing typically triggers an MU2 requirement for the individual.\n-   **Who completes MU2:** The individual usually completes and attests to their own MU2. In some cases, a company user with appropriate access may complete sections on the individual’s behalf, subject to policy and attestation rules.\n-   **Attestation:** MU2 filings require attestation by a natural person. The attestation language carries legal significance for the jurisdictions involved.\n-   **State differences:** Specific MU2 expectations \\(timing, required documentation, role naming conventions\\) can vary by state. Always consult the state licensing checklists for details.\n\nCompany actions covered in the child task topics:\n\n-   Completing the MU2 Individual Form on Behalf of a Company Representative\n-   Sending the MU2 Individual Form to a Company Representative for Completion\n-   Amending an Individual MU2 Form on Behalf of a Company Representative\n-   Sending the MU2 Individual Form to a Company Representative for Amendment\n-   Recalling an Individual MU2 Form Sent to a Company Representative\n\nFor authoritative definitions, role requirements, and attestation guidance, see the NMLS Policy Guide. For state-specific requirements, con",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licCompMU2_compLicRegIndFilings_managing.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licCompMU2_compLicRegIndFilings_managing.md",
      "headings": [
        "Managing Individual MU2 Filings \\(Company\\) {#licCompMU2_managingMu2IndividualFilingsForCompanyLicensesOrRegistrations .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licCompMU2_compLicRegIndFilings_managing.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licCompMU2_compLicRegIndFilings_managing.md:chunk-1",
      "title": "Managing Individual MU2 Filings \\(Company\\) {#licCompMU2_managingMu2IndividualFilingsForCompanyLicensesOrRegistrations .concept}",
      "content": "ing an Individual MU2 Form Sent to a Company Representative\n\nFor authoritative definitions, role requirements, and attestation guidance, see the NMLS Policy Guide. For state-specific requirements, consult the state licensing checklists: State Licensing Checklist Compiler.\n\n-   **Completing the MU2 Individual Form on Behalf of a Company Representative**  \nLearn how to complete the MU2 Individual Form on behalf of a company representative \\(control person\\) to ensure their information is accurately prepared in NMLS before requesting attestation.\n-   **Sending the MU2 Individual Form to a Company Representative for Completion**  \nLearn how to send the MU2 Individual Form to a company representative for their review and completion as part of the NMLS licensing process.\n-   **Amending an Individual MU2 Form on Behalf of a Company Representative**  \nLearn how to amend an Individual MU2 Form on behalf of a company representative to update or correct their licensing information in NMLS.\n-   **Sending the MU2 Individual Form to a Company Representative for Amendment**  \nLearn how to send the MU2 Individual Form to a company representative for amendment to update their licensing information in NMLS.\n-   **Recalling an Individual MU2 Form Sent to a Company Representative**  \nLearn how to recall an Individual MU2 Form that was sent to a company representative, allowing you to make changes before resubmitting in NMLS.\n\n**Parent topic:**Managing MU2 Forms for Company Representatives on the Company MU1 Form",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licCompMU2_compLicRegIndFilings_managing.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licCompMU2_compLicRegIndFilings_managing.md",
      "headings": [
        "Managing Individual MU2 Filings \\(Company\\) {#licCompMU2_managingMu2IndividualFilingsForCompanyLicensesOrRegistrations .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licCompMU2_compLicRegIndFilings_managing.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licCompMU2_compRepMU2_amendFor.md:chunk-0",
      "title": "Amending an Individual MU2 Form on Behalf of a Company Representative {#licCompMU2_amendingAnIdividualMu2FormOnBehalfOfACompanyRepresentative .task}",
      "content": "# Amending an Individual MU2 Form on Behalf of a Company Representative \n\nLearn how to amend an Individual MU2 Form on behalf of a company representative to update or correct their licensing information in NMLS.\n\nCompanies may manage certain updates to a representative’s Individual \\(MU2\\) Form directly from the MU1 filing. Use the MU2 Forms area to locate the individual and begin an amendment. For authoritative definitions and general requirements, see the NMLS Policy Guide.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Select **Filing** > **Company \\(MU1\\)** from the menu.\n\n    The Company Filing screen is displayed.\n\n4.  Select **Create New Filing**.\n\n    The Company Form \\(MU1\\) opens, beginning on the Business Activities screen.\n\n5.  Open the MU2 Forms area and locate the representative’s MU2.\n\n6.  Select the **Edit** icon.\n\n7.  Update the applicable MU2 Form sections and provide any required amendment information.\n\n8.  Navigate to the Attest and Submit section.\n\n9.  Select **Request Attestation**.\n\n    **Note:** When company‑initiated changes require the representative’s review or attestation, the individual will be prompted accordingly in NMLS.\n\n**Parent topic:**Managing Individual MU2 Filings \\(Company\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licCompMU2_compRepMU2_amendFor.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licCompMU2_compRepMU2_amendFor.md",
      "headings": [
        "Amending an Individual MU2 Form on Behalf of a Company Representative {#licCompMU2_amendingAnIdividualMu2FormOnBehalfOfACompanyRepresentative .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licCompMU2_compRepMU2_amendFor.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licCompMaint_ACN_MU1_amend.md:chunk-0",
      "title": "Advance Change Notice for Company MU1 Amendments {#licCompMaint_advanceChangeNoticeForCompanyMu1Amendments .concept}",
      "content": "# Advance Change Notice for Company MU1 Amendments \n\nLearn when and how an Advance Change Notice \\(ACN\\) is required before filing Company MU1 amendments in NMLS.\n\nAn Advance Change Notice \\(ACN\\) is required in many jurisdictions before making certain amendments to a Company \\(MU1\\) Form in NMLS. ACNs notify regulators of significant upcoming changes, such as alterations to control persons, executive officers, ownership structure, or other key business details. Submitting an ACN ensures regulators have adequate time to review and approve the proposed change prior to its effective date.\n\nFor authoritative definitions and policy requirements regarding ACNs, see the NMLS Policy Guide.\n\nACN requirements vary by state. Licensees should always consult the State Licensing Checklist Compiler to confirm whether an ACN is needed for the amendment they are planning to file.\n\n-   **Amending Legal Name**  \nSubmit, modify, or cancel an Advance Change Notice \\(ACN\\) for a company legal name change in the Company \\(MU1\\) Form, and upload any required ACN documents.\n-   **Amending Your Main Corporate Address**  \nSubmit an Advance Change Notice \\(ACN\\) in NMLS to amend your company’s main corporate address on the Company \\(MU1\\) Form. An ACN must be filed in advance of the effective date in accordance with state licensing requirements.\n-   **Amending Other Trade Names**  \nSubmit an Advance Change Notice \\(ACN\\) to add, modify, or delete an Other Trade Name on your company’s MU1 filing, and upload any required documentation.\n-   **Amending Your Company’s Legal Status**  \nSubmit an Advance Change Notice \\(ACN\\) in NMLS to amend your company’s legal status on the Company \\(MU1\\) Form. An ACN must be filed in advance of the effective date in accordance with state licensing requirements.\n-   **Amending Direct and Indirect Owners/Executive Officers**  \nSubmit, modify, or cancel an Advance Change Notice \\(ACN\\) for changes to direct or indirect owners or executive officers in the Company \\",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licCompMaint_ACN_MU1_amend.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licCompMaint_ACN_MU1_amend.md",
      "headings": [
        "Advance Change Notice for Company MU1 Amendments {#licCompMaint_advanceChangeNoticeForCompanyMu1Amendments .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licCompMaint_ACN_MU1_amend.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licCompMaint_ACN_MU1_amend.md:chunk-1",
      "title": "Advance Change Notice for Company MU1 Amendments {#licCompMaint_advanceChangeNoticeForCompanyMu1Amendments .concept}",
      "content": " **Amending Direct and Indirect Owners/Executive Officers**  \nSubmit, modify, or cancel an Advance Change Notice \\(ACN\\) for changes to direct or indirect owners or executive officers in the Company \\(MU1\\) Form, and upload any required ACN documents.\n-   **Amending Qualifying Individuals**  \nSubmit an Advance Change Notice \\(ACN\\) to add, remove, modify, or cancel changes to a Qualifying Individual \\(QI\\) on your company’s MU1 filing, and upload any required documentation.\n\n**Parent topic:**Filing Amendments to the Company MU1 Form",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licCompMaint_ACN_MU1_amend.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licCompMaint_ACN_MU1_amend.md",
      "headings": [
        "Advance Change Notice for Company MU1 Amendments {#licCompMaint_advanceChangeNoticeForCompanyMu1Amendments .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licCompMaint_ACN_MU1_amend.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licCompMaint_MU1amendmentFiling_attest.md:chunk-0",
      "title": "Attesting and Submitting an MU1 Amendment {#licCompMaint_attestingToACompanyMu1AmendmentFiling .task}",
      "content": "# Attesting and Submitting an MU1 Amendment \n\nComplete the final step of an MU1 amendment by legally attesting to the updated information and submitting it to state regulators through NMLS.\n\nThe **Attest and Submit** option is the final step when filing a Company \\(MU1\\) **amendment**. This action is only available after the filing passes all completeness checks \\(including any associated MU2 requirements when applicable\\). The attestation must display the name of a natural person after the word “I” and the licensee’s name after the word “of.” Selecting this option constitutes a legal attestation to all states in which the company is maintaining a license through NMLS. For authoritative requirements, see the NMLS Policy Guide.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Select **Filing** > **Company \\(MU1\\)** from the menu.\n\n    The Company Filing screen is displayed.\n\n4.  Select **Create New Filing**.\n\n    The Company Form \\(MU1\\) opens, beginning on the Business Activities screen.\n\n5.  Open the MU1 amendment filing you wish to submit and review the completeness check results.\n\n    **Note:** If errors are listed, click the section link to navigate to the issue, correct it, and return to the **Attest and Submit** section. Repeat until all errors are resolved.\n\n6.  Review the attestation language displayed in the **Attest and Submit** section.\n\n7.  Select the checkbox next to **I verify that I am the named person above and that I am authorized to attest and submit this filing on behalf of the Licensee.**\n\n8.  Select **Attest and Submit**.\n\n9.  If prompted, complete the payment process on the one-time payment page.\n\n    **Note:** You **may** be prompted for payment for certain amendments, but many amendments do **not** require a fee. For general fee information, see NMLS Processing Fees.\n\n**Parent topic:**Filing Amendments to the Company MU1 Form\n\n**NMLS Reference Guide**  \n\nNMLS Processing Fees\n\nCorrecting Failed Pay",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licCompMaint_MU1amendmentFiling_attest.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licCompMaint_MU1amendmentFiling_attest.md",
      "headings": [
        "Attesting and Submitting an MU1 Amendment {#licCompMaint_attestingToACompanyMu1AmendmentFiling .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licCompMaint_MU1amendmentFiling_attest.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licCompMaint_MU1amendmentFiling_attest.md:chunk-1",
      "title": "Attesting and Submitting an MU1 Amendment {#licCompMaint_attestingToACompanyMu1AmendmentFiling .task}",
      "content": "quire a fee. For general fee information, see NMLS Processing Fees.\n\n**Parent topic:**Filing Amendments to the Company MU1 Form\n\n**NMLS Reference Guide**  \n\nNMLS Processing Fees\n\nCorrecting Failed Payments\n\nNMLS Payment Options\n\n**NMLS Resource Center**  \n\nState Licensing Checklist Compiler\n\nState Renewals Checklist Compiler\n\nNMLS Resource Center Home\n\nNMLS Call Center",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licCompMaint_MU1amendmentFiling_attest.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licCompMaint_MU1amendmentFiling_attest.md",
      "headings": [
        "Attesting and Submitting an MU1 Amendment {#licCompMaint_attestingToACompanyMu1AmendmentFiling .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licCompMaint_MU1amendmentFiling_attest.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licCompMaint_MU1amendmentFiling_creating.md:chunk-0",
      "title": "Creating a Company MU1 Amendment Filing {#licCompMaint_creatingACompanyMu1AmendmentFiling .task}",
      "content": "# Creating a Company MU1 Amendment Filing \n\nLearn how to create a Company MU1 amendment filing in NMLS to update your company’s information with state regulators.\n\nYou must create a new Company Form \\(MU1\\) filing to amend your company's information with state regulators.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Select **Filing** > **Company \\(MU1\\)** from the menu.\n\n    The Company Filing screen is displayed.\n\n4.  Select **Create New Filing**.\n\n    The Company Form \\(MU1\\) opens, beginning on the Business Activities screen.\n\n**Parent topic:**Filing Amendments to the Company MU1 Form",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licCompMaint_MU1amendmentFiling_creating.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licCompMaint_MU1amendmentFiling_creating.md",
      "headings": [
        "Creating a Company MU1 Amendment Filing {#licCompMaint_creatingACompanyMu1AmendmentFiling .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licCompMaint_MU1amendmentFiling_creating.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licCompMaint_MU1amendment_filing.md:chunk-0",
      "title": "Filing Amendments to the Company MU1 Form {#licCompMaint_filingAmendmentsToTheCompanyMu1Form .concept}",
      "content": "# Filing Amendments to the Company MU1 Form \n\nExplains what an MU1 amendment filing is and why companies file amendments in NMLS—to keep their official record current and accurate with state regulators.\n\nThe Company \\(MU1\\) Form is your company’s official record in NMLS. When company information changes, you file an amendment to update that record so regulators have accurate, current data. Filing an amendment is different from creating a new MU1 application—it updates an existing licensed/registered record rather than initiating a new license request.\n\nCommon changes that can require an MU1 amendment include areas such as Qualifying Individuals, Other Trade Names, Legal Name or Legal Status, Main Corporate Address, owners and control information, disclosures, and books and records information. Specific state expectations vary; for authoritative policy information, see the NMLS Policy Guide.\n\nSome amendments must be reported in advance via an Advance Change Notice for Company MU1 Amendments before the effective date \\(for example, many changes to Qualifying Individuals or trade names\\). ACN timing and documentation requirements differ by state. Always consult your state’s resources:\n\n-   State Licensing Checklist Compiler\n-   License Requirements and Fees Chart\n\nFees for MU1 amendments are typically not required; however, some agencies may assess a fee for certain changes. If prompted for payment in NMLS, follow the on‑screen instructions. For general information, see NMLS Processing Fees.\n\nHigh‑level process overview for amendments:\n\n-   Create a Company \\(MU1\\) amendment filing.\n-   Edit the section\\(s\\) related to your change \\(for example, Qualifying Individuals, Other Trade Names\\).\n-   Resolve completeness check messages.\n-   If required, provide ACN details and upload supporting documentation.\n-   Attest and submit; complete payment only if prompted.\n\nUpdates to MU1 can trigger additional actions. For example, changes involving individuals \\(such as Qualifying",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licCompMaint_MU1amendment_filing.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licCompMaint_MU1amendment_filing.md",
      "headings": [
        "Filing Amendments to the Company MU1 Form {#licCompMaint_filingAmendmentsToTheCompanyMu1Form .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licCompMaint_MU1amendment_filing.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licCompMaint_MU1amendment_filing.md:chunk-1",
      "title": "Filing Amendments to the Company MU1 Form {#licCompMaint_filingAmendmentsToTheCompanyMu1Form .concept}",
      "content": "load supporting documentation.\n-   Attest and submit; complete payment only if prompted.\n\nUpdates to MU1 can trigger additional actions. For example, changes involving individuals \\(such as Qualifying Individuals or certain owners/executives\\) may require the person to complete an Individual \\(MU2\\) Form. Branch operations may also need updates in the Branch \\(MU3\\) Form if the change affects branches \\(for example, trade name usage\\).\n\n-   **Creating a Company MU1 Amendment Filing**  \nLearn how to create a Company MU1 amendment filing in NMLS to update your company’s information with state regulators.\n-   **Advance Change Notice for Company MU1 Amendments**  \nLearn when and how an Advance Change Notice \\(ACN\\) is required before filing Company MU1 amendments in NMLS.\n-   **Amending Answers to Disclosure Questions**  \nUpdate or delete previously entered answers and explanations for disclosure questions in the Company \\(MU1\\) Form.\n-   **Attesting and Submitting an MU1 Amendment**  \nComplete the final step of an MU1 amendment by legally attesting to the updated information and submitting it to state regulators through NMLS.\n\n**Parent topic:**Maintaining Your Company License",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licCompMaint_MU1amendment_filing.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licCompMaint_MU1amendment_filing.md",
      "headings": [
        "Filing Amendments to the Company MU1 Form {#licCompMaint_filingAmendmentsToTheCompanyMu1Form .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licCompMaint_MU1amendment_filing.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licCompMaint__licStatusCompDash_determining.md:chunk-0",
      "title": "Using the Company Dashboard to Determine License and Filing Status {#licCompMaint_usingTheCompanyDashboardToDetermineLicenseStatus .task}",
      "content": "# Using the Company Dashboard to Determine License and Filing Status \n\nLearn how to use the Company Dashboard in NMLS to view the status of company, branch, control person, and sponsored individual licenses and filings, as well as important reporting deadlines.\n\nThe Company Dashboard provides a consolidated, real-time view of your organization’s licenses, filings, and reporting deadlines in NMLS. This includes the status of Company \\(MU1\\), Individual \\(MU2\\), Branch \\(MU3\\), and Mortgage Loan Originator \\(MU4\\) records, along with key regulatory reports and submissions. Information is refreshed every two hours.\n\nYou can use the dashboard to quickly identify:\n\n-   Active, approved, pending, or deficient licenses for your company, branches, control persons, and sponsored MLOs.\n-   Pending filings requiring attestation or submission.\n-   Outstanding license items that may require additional documentation or action.\n-   Upcoming or overdue regulatory reporting deadlines.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  The Company Dashboard is displayed in the Home tab after login.\n\n4.  In the **Licenses** section, review the current status of your company, branch, control person, and sponsored individual licenses.\n\n5.  Scroll to the **Pending Filings** section to see MU1, MU2, MU3, and MU4 filings awaiting attestation or submission.\n\n6.  Check the **Active License Items** section for any conditions, deficiencies, or documentation requests from regulators.\n\n7.  Review the dashboard’s reporting sections to identify upcoming or overdue Mortgage Call Report \\(NMLS Policy Guide\\), Money Service Business Call Report, Financial Statement and Net Worth Reporting, or Uniform Authorized Agent Reporting \\(UAAR\\) deadlines.\n\n8.  To understand what each license status means, refer to License Status Definitions.\n\n**Parent topic:**Determining License or Registration Status",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licCompMaint__licStatusCompDash_determining.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licCompMaint__licStatusCompDash_determining.md",
      "headings": [
        "Using the Company Dashboard to Determine License and Filing Status {#licCompMaint_usingTheCompanyDashboardToDetermineLicenseStatus .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licCompMaint__licStatusCompDash_determining.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licCompMaint_amendmentReqsOutsideNMLS_completing.md:chunk-0",
      "title": "Completing Amendment Requirements Submitted Outside of NMLS {#licCompMaint_completingAmendmentRequirementsSubmittedOutsideOfNmls .concept}",
      "content": "# Completing Amendment Requirements Submitted Outside of NMLS \n\nUnderstand the external requirements and documentation you must complete outside of NMLS when submitting company license or registration amendments.\n\n1.  \n**Parent topic:**Maintaining Your Company License",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licCompMaint_amendmentReqsOutsideNMLS_completing.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licCompMaint_amendmentReqsOutsideNMLS_completing.md",
      "headings": [
        "Completing Amendment Requirements Submitted Outside of NMLS {#licCompMaint_completingAmendmentRequirementsSubmittedOutsideOfNmls .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licCompMaint_amendmentReqsOutsideNMLS_completing.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licCompMaint_annQtrReporting.md:chunk-0",
      "title": "Annual and Quarterly Reporting {#licCompMaint_annualAndQuarterlyReporting .concept}",
      "content": "# Annual and Quarterly Reporting \n\nOverview of recurring financial and activity reporting obligations for licensed companies in NMLS, including annual financial statements, call reports, and Uniform Authorized Agent Reporting \\(UAAR\\).\n\nLicensed companies are required to submit various annual and quarterly reports through NMLS to maintain compliance with state regulatory requirements. These reports provide regulators with updated information about a company’s financial position, business activities, and, where applicable, authorized agent locations. Requirements and due dates may vary by state and license type, and failure to file on time may result in regulatory action.\n\nCore reporting obligations include:\n\n-   Submitting Annual Financial Statements\n-   Mortgage Call Report User Guide \\(v6\\)\n-   Money Services Businesses Call Report User Guide\n\nRefer to the NMLS Policy Guide for detailed policy requirements, and consult the applicable state State Licensing Checklist Compiler for specific reporting schedules and instructions.\n\n-   **Submitting Annual Financial Statements**  \nSubmit the annual financial statement for your company through NMLS within 90 days of your fiscal year end.\n\n**NMLS Resource Center**  \n\nState Licensing Checklist Compiler\n\nState Renewals Checklist Compiler\n\n**Reporting Guides**  \n\nMortgage Call Report User Guide\n\nMoney Services Businesses Call Report User Guide\n\nUAAR User Guide\n\n**NMLS Policy Guide**  \n\nMortgage Call Report\n\n**Individual Licensing Guide**  \n\nMortgage Call Report User Guide\n\nMoney Services Businesses Call Report Guide\n\nUAAR Reporting Guide",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licCompMaint_annQtrReporting.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licCompMaint_annQtrReporting.md",
      "headings": [
        "Annual and Quarterly Reporting {#licCompMaint_annualAndQuarterlyReporting .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licCompMaint_annQtrReporting.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licCompMaint_annualFinSttmnt.md:chunk-0",
      "title": "Submitting Annual Financial Statements {#licCompMaint_annualFinSttmnt .task}",
      "content": "# Submitting Annual Financial Statements \n\nSubmit the annual financial statement for your company through NMLS within 90 days of your fiscal year end.\n\nLicensees must submit an annual financial statement through NMLS within 90 days of the end of their fiscal year. The classification of financial statement to be submitted is determined by state agency requirements as listed in the License Requirements and Fees Chart. For policy details, see NMLS Policy Guide. Financial statements must be in searchable PDF format, not exceed 8MB, and include all sections required by the applicable state agency.\n\n1.  Navigate to the NMLS Login page.\n\n    -   State context.\n    -   Federal context.\n2.  Select the **Filing** tab.\n\n3.  Click **Financial Statement** from the sub-menu.\n\n4.  Click **Create Filing**.\n\n5.  From the **Period Type** drop-down list, select “Annual”.\n\n6.  Enter the **Fiscal Year** for the statement being attached and click **Create**.\n\n7.  In the Financial Information section, complete all required fields.\n\n    **Note:** The dollar amounts in the Key Financial Data section must be to the nearest dollar and match the figures in the attached financial statement.\n\n8.  Click **Save**, then click **Next**.\n\n9.  If the financial statement was prepared, audited, reviewed, or compiled by an accounting firm, complete the Accountant Information section.\n\n    **Note:** Include all applicable details as outlined in the NMLS Policy Guidebook requirements for accountant information.\n\n10. Click **Save**, then click **Next**.\n\n11. Click **Add** in the Financial Statement upload section, then click **Browse** to select the PDF file.\n\n    **Note:** The PDF must be searchable, not exceed 8MB, and contain the complete financial statement package required by the state agency.\n\n12. Select the file and click **Save**, then click **Next**.\n\n13. Review your filing for accuracy and completeness, then proceed to Attest and Submit.\n\n    **Note:** All completeness checks must be resolved befo",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licCompMaint_annualFinSttmnt.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licCompMaint_annualFinSttmnt.md",
      "headings": [
        "Submitting Annual Financial Statements {#licCompMaint_annualFinSttmnt .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licCompMaint_annualFinSttmnt.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licCompMaint_annualFinSttmnt.md:chunk-1",
      "title": "Submitting Annual Financial Statements {#licCompMaint_annualFinSttmnt .task}",
      "content": "the file and click **Save**, then click **Next**.\n\n13. Review your filing for accuracy and completeness, then proceed to Attest and Submit.\n\n    **Note:** All completeness checks must be resolved before you can submit. Carefully review the attestation statement before confirming submission.\n\n14. Click **Submit Filing** to send the financial statement to the relevant state agencies.\n\n**Parent topic:**Annual and Quarterly Reporting\n\n**NMLS Resource Center**  \n\nState Licensing Checklist Compiler\n\nState Renewals Checklist Compiler\n\n**Reporting Guides**  \n\nMortgage Call Report User Guide\n\nMoney Services Businesses Call Report User Guide\n\nUAAR User Guide\n\n**NMLS Policy Guide**  \n\nMortgage Call Report\n\n**Individual Licensing Guide**  \n\nMortgage Call Report User Guide\n\nMoney Services Businesses Call Report Guide\n\nUAAR Reporting Guide",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licCompMaint_annualFinSttmnt.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licCompMaint_annualFinSttmnt.md",
      "headings": [
        "Submitting Annual Financial Statements {#licCompMaint_annualFinSttmnt .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licCompMaint_annualFinSttmnt.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licCompMaint_directIndirectOwner_amend.md:chunk-0",
      "title": "Amending Direct and Indirect Owners/Executive Officers {#licCompMaint_amendingDirectAndIndirectOwnersExecutiveOfficers .task}",
      "content": "# Amending Direct and Indirect Owners/Executive Officers \n\nSubmit, modify, or cancel an Advance Change Notice \\(ACN\\) for changes to direct or indirect owners or executive officers in the Company \\(MU1\\) Form, and upload any required ACN documents.\n\nUse the Direct Owners/Executive Officers section of the Company \\(MU1\\) Form to submit an Advance Change Notice \\(ACN\\) when adding, removing, or changing information for direct or indirect owners or executive officers. Many state agencies require an ACN before these changes take effect. Review the applicable state State Licensing Checklist Compiler for ACN lead-time, documentation, and fee requirements.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Select **Filing** > **Company \\(MU1\\)** from the menu.\n\n    The Company Filing screen is displayed.\n\n4.  Select **Create New Filing**.\n\n    The Company Form \\(MU1\\) opens, beginning on the Business Activities screen.\n\n5.  In the left navigation panel, select Direct Owners/Executive Officers.\n\n6.  Select **Add Individual** or **Add Company** and search for the entity by name, NMLS ID, or Federal Tax ID.\n\n7.  Select the entity from the search results and enter the **Title**, **Percentage of Ownership**, and **Stock Symbol** \\(if applicable\\).\n\n8.  Enter the **Effective Date** in accordance with state requirements.\n\n    **Note:** The **Effective Date** must be a current or future date up to 120 days in advance, depending on the state’s ACN requirements.\n\n9.  Click **Save**, then proceed to Attest and Submit to complete the filing.\n\n    **Note:** Some agencies may charge an amendment fee. See NMLS Processing Fees and the state’s Amendment Checklist for details.\n\n10. To remove an owner or executive officer, click the **Delete** icon next to the name, enter the **Effective Date**, and click **Save**.\n\n11. To modify a pending ACN, click the **Edit** icon, update the applicable fields, and click **Save**.\n\n    Saving changes updates th",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licCompMaint_directIndirectOwner_amend.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licCompMaint_directIndirectOwner_amend.md",
      "headings": [
        "Amending Direct and Indirect Owners/Executive Officers {#licCompMaint_amendingDirectAndIndirectOwnersExecutiveOfficers .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licCompMaint_directIndirectOwner_amend.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licCompMaint_directIndirectOwner_amend.md:chunk-1",
      "title": "Amending Direct and Indirect Owners/Executive Officers {#licCompMaint_amendingDirectAndIndirectOwnersExecutiveOfficers .task}",
      "content": "t to the name, enter the **Effective Date**, and click **Save**.\n\n11. To modify a pending ACN, click the **Edit** icon, update the applicable fields, and click **Save**.\n\n    Saving changes updates the **Pending Change Notice Type** to `Amend Creation` and moves the item to the Unsubmitted Change Notices list. To undo the amendment, click the **Undo** icon.\n\n12. To cancel a pending ACN, click the **Cancel** icon for the record and click **Save**.\n\n    This action updates the **Pending Change Notice Type** to `Cancel Creation` and moves the item to the Unsubmitted Change Notices list. To undo the cancellation, click the **Undo** icon.\n\n13. To change ownership:\n\n    1.  Select the **Edit** icon for the current owner.\n\n    2.  Select **Do you want to amend the Percentage of Ownership?**.\n\n    3.  Enter the updated percentage and **Effective Date**.\n\n14. If required by the state agency, upload ACN documents.\n\n    1.  Open Document Uploads for the filing and click **Add**.\n\n    2.  Select **Document Type** > **Advance Change Notice**.\n\n    3.  Enter a **Comment**, then select **Browse** to select the file and complete the upload.\n\n    **Note:** ACN uploads are considered “proposed” documents. On the effective date of the change, re-submit documents under the applicable **Document Type** \\(do not re-submit as **Advance Change Notice**\\). If no document type fits, follow the state agency’s instructions \\(for example, mail the document\\).\n\n    **Note:** For document guidance, see Document Upload Descriptions and Examples and About the Document Library.\n\n**Parent topic:**Advance Change Notice for Company MU1 Amendments\n\n**NMLS Reference Guide**  \n\nNMLS Processing Fees\n\nCorrecting Failed Payments\n\nNMLS Payment Options\n\n**NMLS Resource Center**  \n\nState Licensing Checklist Compiler\n\nState Renewals Checklist Compiler\n\nNMLS Resource Center Home\n\nNMLS Call Center",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licCompMaint_directIndirectOwner_amend.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licCompMaint_directIndirectOwner_amend.md",
      "headings": [
        "Amending Direct and Indirect Owners/Executive Officers {#licCompMaint_amendingDirectAndIndirectOwnersExecutiveOfficers .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licCompMaint_directIndirectOwner_amend.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licCompMaint_directIndirectOwner_amend.md:chunk-2",
      "title": "Amending Direct and Indirect Owners/Executive Officers {#licCompMaint_amendingDirectAndIndirectOwnersExecutiveOfficers .task}",
      "content": "r\n\nState Renewals Checklist Compiler\n\nNMLS Resource Center Home\n\nNMLS Call Center",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licCompMaint_directIndirectOwner_amend.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licCompMaint_directIndirectOwner_amend.md",
      "headings": [
        "Amending Direct and Indirect Owners/Executive Officers {#licCompMaint_amendingDirectAndIndirectOwnersExecutiveOfficers .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licCompMaint_directIndirectOwner_amend.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licCompMaint_discQuestionsAnswers_amend.md:chunk-0",
      "title": "Amending Answers to Disclosure Questions {#licCompMaint_amendingAnswersToDisclosureQuestions .task}",
      "content": "# Amending Answers to Disclosure Questions \n\nUpdate or delete previously entered answers and explanations for disclosure questions in the Company \\(MU1\\) Form.\n\nUse the Disclosure Explanations section of the Company \\(MU1\\) Form to amend or remove answers to disclosure questions, and to add or edit related explanations. Review the applicable state State Licensing Checklist Compiler for any requirements regarding disclosure updates.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Select **Filing** > **Company \\(MU1\\)** from the menu.\n\n    The Company Filing screen is displayed.\n\n4.  Select **Create New Filing**.\n\n    The Company Form \\(MU1\\) opens, beginning on the Business Activities screen.\n\n5.  In the left navigation panel, click Disclosure Explanations.\n\n6.  To add a new explanation, click **Add** and complete the required fields.\n\n    1.  Select the applicable **Disclosure Question** from the list.\n\n    2.  Enter the **Explanation** with sufficient detail to address the question.\n\n    3.  \\(Optional\\) Attach supporting documentation by clicking **Browse** and selecting the file.\n\n    4.  Click **Save** to add the explanation to the disclosure record.\n\n7.  To edit an existing explanation, click the **Edit** icon for that record, update the necessary fields, and click **Save**.\n\n8.  To delete an explanation, click the **Remove** icon for the applicable record.\n\n    **Note:** Removing an explanation deletes it from the filing. Ensure this action complies with your state agency’s disclosure requirements before proceeding.\n\n9.  Proceed to Attest and Submit to complete the filing.\n\n    **Note:** All completeness checks must pass before attesting and submitting. Review the attestation language carefully before confirming.\n\n**Parent topic:**Filing Amendments to the Company MU1 Form",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licCompMaint_discQuestionsAnswers_amend.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licCompMaint_discQuestionsAnswers_amend.md",
      "headings": [
        "Amending Answers to Disclosure Questions {#licCompMaint_amendingAnswersToDisclosureQuestions .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licCompMaint_discQuestionsAnswers_amend.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licCompMaint_legalName_amend.md:chunk-0",
      "title": "Amending Legal Name {#licCompMaint_amendingLegalName .task}",
      "content": "# Amending Legal Name \n\nSubmit, modify, or cancel an Advance Change Notice \\(ACN\\) for a company legal name change in the Company \\(MU1\\) Form, and upload any required ACN documents.\n\nUse the Identifying Information section of the Company \\(MU1\\) Form to amend the company’s legal name. Many state agencies require an Advance Change Notice \\(ACN\\) before the effective date of a legal name change. Review the applicable state State Licensing Checklist Compiler for ACN lead-time, documentation, and fee requirements. After entering the new legal name and **Effective Date**, you must **Save** and then complete Attest and Submit for the change to be received by regulators.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Select **Filing** > **Company \\(MU1\\)** from the menu.\n\n    The Company Filing screen is displayed.\n\n4.  Select **Create New Filing**.\n\n    The Company Form \\(MU1\\) opens, beginning on the Business Activities screen.\n\n5.  Open the Identifying Information section.\n\n6.  Select “Do you want to amend your legal name?” and answer **Yes**.\n\n7.  Enter the new **Legal Name** and the **Effective Date**.\n\n    **Note:** The **Effective Date** must be a current or future date, typically up to 120 days out, in accordance with state requirements listed on the applicable Amendment Checklist.\n\n8.  Click **Save**.\n\n9.  Proceed to Attest and Submit, resolve any completeness check issues, and then attest and submit the filing.\n\n    **Note:** Some agencies may charge an amendment fee. See NMLS Processing Fees and the state’s Amendment Checklist for details.\n\n10. To modify a pending legal name ACN, return to Identifying Information and update the **New Entity Name** and/or **Effective Date** as needed.\n\n11. Click **Save**, then proceed to Attest and Submit to resubmit the change.\n\n    **Note:** Saving changes updates the **Pending Change Notice Type** to `Amend Creation` and moves the item to the **Unsubmitted Change Notices** list.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licCompMaint_legalName_amend.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licCompMaint_legalName_amend.md",
      "headings": [
        "Amending Legal Name {#licCompMaint_amendingLegalName .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licCompMaint_legalName_amend.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licCompMaint_legalName_amend.md:chunk-1",
      "title": "Amending Legal Name {#licCompMaint_amendingLegalName .task}",
      "content": "to Attest and Submit to resubmit the change.\n\n    **Note:** Saving changes updates the **Pending Change Notice Type** to `Amend Creation` and moves the item to the **Unsubmitted Change Notices** list. To undo the amendment, click the **Undo** icon.\n\n12. To cancel a pending legal name ACN, in Identifying Information deselect the legal name amendment by answering **No** to “Do you want to amend your legal name?”.\n\n13. Click **Save**.\n\n    **Note:** This action cancels the ACN and places it in the **Unsubmitted Change Notices** list. The **Pending Change Notice Type** is updated to `Cancel Creation`. To undo the cancellation, click the **Undo** icon.\n\n14. If required by the state agency, upload ACN documents.\n\n    1.  Open Document Uploads for the filing and click **Add**.\n\n    2.  Select the **Document Type** “Advance Change Notice”.\n\n    3.  \\(Optional\\) Enter a **Comment**, then click **Browse** to select the file and complete the upload.\n\n    **Note:** ACN uploads are considered “proposed” documents. On the effective date of the change, re-submit documents under the applicable **Document Type** \\(do not re-submit as “Advance Change Notice”\\). If no document type fits, follow the state agency’s instructions \\(for example, mail the document\\).\n\n    **Note:** For document guidance, see Document Upload Descriptions and Examples and About the Document Library.\n\n**Parent topic:**Advance Change Notice for Company MU1 Amendments\n\n**NMLS Reference Guide**  \n\nNMLS Processing Fees\n\nCorrecting Failed Payments\n\nNMLS Payment Options\n\n**NMLS Resource Center**  \n\nState Licensing Checklist Compiler\n\nState Renewals Checklist Compiler\n\nNMLS Resource Center Home\n\nNMLS Call Center",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licCompMaint_legalName_amend.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licCompMaint_legalName_amend.md",
      "headings": [
        "Amending Legal Name {#licCompMaint_amendingLegalName .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licCompMaint_legalName_amend.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licCompMaint_legalStatus_amend.md:chunk-0",
      "title": "Amending Your Company’s Legal Status {#licCompMaint_amendingLegalStatus .task}",
      "content": "# Amending Your Company’s Legal Status \n\nSubmit an Advance Change Notice \\(ACN\\) in NMLS to amend your company’s legal status on the Company \\(MU1\\) Form. An ACN must be filed in advance of the effective date in accordance with state licensing requirements.\n\nUse this process to submit an Advance Change Notice \\(ACN\\) to amend your company’s legal status in the Company \\(MU1\\) Form. States may have different notice periods or document requirements. Refer to the NMLS Policy Guide for state-specific ACN policies, and to the State Licensing Checklist Compiler for requirements.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Select **Filing** > **Company \\(MU1\\)** from the menu.\n\n    The Company Filing screen is displayed.\n\n4.  Select **Create New Filing**.\n\n    The Company Form \\(MU1\\) opens, beginning on the Business Activities screen.\n\n5.  In the Identifying Information section, select **Change Legal Status**.\n\n6.  Select **Yes** to the question “Do you want to amend your legal status?”\n\n7.  Select the new **Legal Status** from the available options.\n\n    **Note:** Examples include Corporation, Limited Liability Company \\(LLC\\), Partnership, or Sole Proprietorship.\n\n8.  Enter the **Effective Date** for the new legal status.\n\n    **Note:** The effective date can be the current date or a future date allowed under state law \\(often up to 120 days in advance\\). Some states require a specific notice period for ACNs.\n\n9.  Click **Save**.\n\n10. When ready, complete the **Attest and Submit** process to submit the ACN. Fees may apply.\n\n11. Modify a Pending ACN\n12. Access the pending MU1 filing containing your ACN.\n\n13. In the Identifying Information section, update the **Legal Status** or **Effective Date** as needed.\n\n14. Click **Save** and complete **Attest and Submit** again.\n\n15. Cancel a Pending ACN\n16. Access the pending MU1 filing containing your ACN.\n\n17. In the Identifying Information section, change the answer to “Do you ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licCompMaint_legalStatus_amend.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licCompMaint_legalStatus_amend.md",
      "headings": [
        "Amending Your Company’s Legal Status {#licCompMaint_amendingLegalStatus .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licCompMaint_legalStatus_amend.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licCompMaint_legalStatus_amend.md:chunk-1",
      "title": "Amending Your Company’s Legal Status {#licCompMaint_amendingLegalStatus .task}",
      "content": "** and complete **Attest and Submit** again.\n\n15. Cancel a Pending ACN\n16. Access the pending MU1 filing containing your ACN.\n\n17. In the Identifying Information section, change the answer to “Do you want to amend your legal status?” to **No**.\n\n18. Click **Save** and complete **Attest and Submit** again.\n\n19. Uploading ACN Documents\n20. From the Filing menu, navigate to Document Uploads.\n\n21. Select **Advance Change Notice** as the **Document Type** when uploading required documents.\n\n    **Note:** On or after the effective date, re-submit documents under the appropriate non-ACN document type if required by your state regulator.\n\n22. Refer to Document Upload Descriptions and Examples for file naming conventions and description examples.\n\n**Parent topic:**Advance Change Notice for Company MU1 Amendments",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licCompMaint_legalStatus_amend.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licCompMaint_legalStatus_amend.md",
      "headings": [
        "Amending Your Company’s Legal Status {#licCompMaint_amendingLegalStatus .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licCompMaint_legalStatus_amend.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licCompMaint_licRegCompositeViewStatus_determining.md:chunk-0",
      "title": "Using Composite View to Determine License or Registration Status {#licCompMaint_usingCompositeViewToDetermineLicenseOrRegistrationStatus .task}",
      "content": "# Using Composite View to Determine License or Registration Status \n\nReview your company’s licenses, filings, and regulatory actions using the Company Snapshot in Composite View.\n\nThe Company Snapshot in Composite View provides the most current information about your company’s licenses, filings, and regulatory activity. It consolidates data from multiple areas of NMLS, allowing you to monitor license or registration status across company, branch, control person, and sponsored individual records, as well as key filing and reporting obligations.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Select **Composite View** > **View Company**.\n\n4.  Review the available sections of the Company Snapshot for the following information:\n\n    1.  **Identifying Information** – Core details such as company name, NMLS ID, and main address.\n\n    2.  **Other Trade Names** – Additional names under which your company conducts business.\n\n    3.  **State License/Registration Information** – All active, pending, terminated, or surrendered licenses or registrations, including status and effective dates.\n\n    4.  **State Regulatory Actions** – Any regulatory actions issued by state agencies.\n\n    5.  **Control Persons and Qualifying Individuals** – MU2-associated individuals such as control persons, branch managers, and qualifying individuals.\n\n    6.  **Pending Advance Change Notices** – Notices for upcoming changes to key company information requiring advance regulatory review.\n\n    7.  **Recent MCR Filing\\(s\\)** – Most recent Mortgage Call Report submissions and statuses.\n\n    8.  **Recent Financial Statement Filing\\(s\\)** – Most recent financial statement submissions and statuses.\n\n    9.  **Books and Records Information** – Location\\(s\\) of your company’s books and records as reported in NMLS.\n\n5.  Identify any items requiring action, such as pending filings, outstanding regulator requests, or upcoming deadlines.\n\nBy reviewing this consolid",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licCompMaint_licRegCompositeViewStatus_determining.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licCompMaint_licRegCompositeViewStatus_determining.md",
      "headings": [
        "Using Composite View to Determine License or Registration Status {#licCompMaint_usingCompositeViewToDetermineLicenseOrRegistrationStatus .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licCompMaint_licRegCompositeViewStatus_determining.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licCompMaint_licRegCompositeViewStatus_determining.md:chunk-1",
      "title": "Using Composite View to Determine License or Registration Status {#licCompMaint_usingCompositeViewToDetermineLicenseOrRegistrationStatus .task}",
      "content": "r company’s books and records as reported in NMLS.\n\n5.  Identify any items requiring action, such as pending filings, outstanding regulator requests, or upcoming deadlines.\n\nBy reviewing this consolidated information, you can quickly determine license statuses, track pending filings, and ensure timely compliance with state licensing requirements.\n\n**Parent topic:**Determining License or Registration Status",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licCompMaint_licRegCompositeViewStatus_determining.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licCompMaint_licRegCompositeViewStatus_determining.md",
      "headings": [
        "Using Composite View to Determine License or Registration Status {#licCompMaint_usingCompositeViewToDetermineLicenseOrRegistrationStatus .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licCompMaint_licRegCompositeViewStatus_determining.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licCompMaint_licRegStatus_determining.md:chunk-0",
      "title": "Determining License or Registration Status {#licCompMaint_determiningLicenseOrRegistrationStatus .concept}",
      "content": "# Determining License or Registration Status \n\nLearn how to determine the status of your company, branch, control person, and sponsored individual licenses and filings, as well as important filing deadlines, using NMLS tools such as the Company Snapshot and Company Dashboard.\n\nNMLS provides multiple tools for monitoring the status of your company’s licenses and filings. This includes company, branch, control person, and sponsored individual licenses and filings associated with the MU1, MU2, MU3, and MU4 forms. You can also monitor key deadlines for required submissions such as Mortgage Call Reports, Money Services Business Call Reports, financial statement filings, and Uniform Authorized Agent Reporting.\n\nThe primary areas for reviewing this information are the Company Snapshot section of Composite View and the Company Dashboard on your NMLS home page. These areas provide a consolidated view of:\n\n-   Statuses of all approved, pending, terminated, or surrendered licenses.\n-   Outstanding license items and regulator requests across all license types.\n-   Pending filings and action items for company, branch, individual, and call report filings.\n-   Upcoming filing deadlines for required reports and financial submissions.\n-   Pending Advance Change Notices \\(ACNs\\) and upcoming effective dates.\n\nThese tools allow you to identify any issues that may require immediate attention, helping ensure compliance with state licensing requirements and avoiding missed deadlines.\n\nFor detailed guidance on using these tools, refer to:\n\n-   Using the Company Dashboard to Determine License and Filing Status\n-   Using Composite View to Determine License or Registration Status\n-   License Status Definitions\n\n-   **Using the Company Dashboard to Determine License and Filing Status**  \nLearn how to use the Company Dashboard in NMLS to view the status of company, branch, control person, and sponsored individual licenses and filings, as well as important reporting deadlines.\n-   **Using Compo",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licCompMaint_licRegStatus_determining.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licCompMaint_licRegStatus_determining.md",
      "headings": [
        "Determining License or Registration Status {#licCompMaint_determiningLicenseOrRegistrationStatus .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licCompMaint_licRegStatus_determining.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licCompMaint_licRegStatus_determining.md:chunk-1",
      "title": "Determining License or Registration Status {#licCompMaint_determiningLicenseOrRegistrationStatus .concept}",
      "content": "w to use the Company Dashboard in NMLS to view the status of company, branch, control person, and sponsored individual licenses and filings, as well as important reporting deadlines.\n-   **Using Composite View to Determine License or Registration Status**  \nReview your company’s licenses, filings, and regulatory actions using the Company Snapshot in Composite View.\n\n**Parent topic:**Maintaining Your Company License",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licCompMaint_licRegStatus_determining.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licCompMaint_licRegStatus_determining.md",
      "headings": [
        "Determining License or Registration Status {#licCompMaint_determiningLicenseOrRegistrationStatus .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licCompMaint_licRegStatus_determining.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licCompMaint_mainCorpAddress_amend.md:chunk-0",
      "title": "Amending Your Main Corporate Address {#licCompMaint_amendingMainCorporateAddress .task}",
      "content": "# Amending Your Main Corporate Address \n\nSubmit an Advance Change Notice \\(ACN\\) in NMLS to amend your company’s main corporate address on the Company \\(MU1\\) Form. An ACN must be filed in advance of the effective date in accordance with state licensing requirements.\n\nUse this process to submit an Advance Change Notice \\(ACN\\) to amend your main corporate address in the Company \\(MU1\\) Form. States may have different notice periods or document requirements. Refer to the NMLS Policy Guide for state-specific ACN policies, and to the State Licensing Checklist Compiler for requirements.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Select **Filing** > **Company \\(MU1\\)** from the menu.\n\n    The Company Filing screen is displayed.\n\n4.  Select **Create New Filing**.\n\n    The Company Form \\(MU1\\) opens, beginning on the Business Activities screen.\n\n5.  In the Identifying Information section, select **Change Main Address**.\n\n6.  Select **Yes** to the question “Do you want to amend your main address?”\n\n7.  Enter the new main address details in the provided fields.\n\n8.  Enter the **Effective Date** for the new address.\n\n    **Note:** The effective date can be the current date or a future date allowed under state law \\(often up to 120 days in advance\\). Some states require a specific notice period for ACNs.\n\n9.  Click **Save**.\n\n10. When ready, complete the **Attest and Submit** process to submit the ACN. Fees may apply.\n\n11. Modify a Pending ACN\n12. Access the pending MU1 filing containing your ACN.\n\n13. In the Identifying Information section, update the main address or **Effective Date** as needed.\n\n14. Click **Save** and complete **Attest and Submit** again.\n\n15. Cancel a Pending ACN\n16. Access the pending MU1 filing containing your ACN.\n\n17. In the Identifying Information section, change the answer to “Do you want to amend your main address?” to **No**.\n\n18. Click **Save** and complete **Attest and Submit** again.\n\n19. Uploa",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licCompMaint_mainCorpAddress_amend.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licCompMaint_mainCorpAddress_amend.md",
      "headings": [
        "Amending Your Main Corporate Address {#licCompMaint_amendingMainCorporateAddress .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licCompMaint_mainCorpAddress_amend.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licCompMaint_mainCorpAddress_amend.md:chunk-1",
      "title": "Amending Your Main Corporate Address {#licCompMaint_amendingMainCorporateAddress .task}",
      "content": "our ACN.\n\n17. In the Identifying Information section, change the answer to “Do you want to amend your main address?” to **No**.\n\n18. Click **Save** and complete **Attest and Submit** again.\n\n19. Uploading ACN Documents\n20. From the Filing menu, navigate to Document Uploads.\n\n21. Select **Advance Change Notice** as the **Document Type** when uploading required documents.\n\n    **Note:** On or after the effective date, re-submit documents under the appropriate non-ACN document type if required by your state regulator.\n\n22. Refer to Document Upload Descriptions and Examples for file naming conventions and description examples.\n\n**Parent topic:**Advance Change Notice for Company MU1 Amendments",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licCompMaint_mainCorpAddress_amend.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licCompMaint_mainCorpAddress_amend.md",
      "headings": [
        "Amending Your Main Corporate Address {#licCompMaint_amendingMainCorporateAddress .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licCompMaint_mainCorpAddress_amend.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licCompMaint_maintainingYourCompanyLicense.md:chunk-0",
      "title": "Maintaining Your Company License {#licCompMaint_maintainingYourCompanyLicense .concept}",
      "content": "# Maintaining Your Company License \n\nExplains the ongoing responsibilities for maintaining your company license in NMLS, including filing amendments when changes occur and meeting periodic reporting requirements.\n\nMaintaining your company license or registration in NMLS requires keeping your record accurate and up to date at all times. When changes occur—such as updates to your company’s legal name, address, control persons, qualifying individuals, or other license-related information—you must file the appropriate amendments through NMLS.\n\nIn addition to filing amendments, companies must also meet ongoing reporting requirements. These may include annual or quarterly submissions such as financial statements, the Mortgage Call Report \\(MCR\\), the Money Services Business Call Report \\(MSBCR\\), or the Uniform Authorized Agent Reporting \\(UAAR\\), depending on your license type and business activities.\n\nMaintaining compliance by submitting timely and accurate amendments and required reports helps ensure uninterrupted licensure and demonstrates your company’s adherence to regulatory requirements.\n\n-   **Determining License or Registration Status**  \nLearn how to determine the status of your company, branch, control person, and sponsored individual licenses and filings, as well as important filing deadlines, using NMLS tools such as the Company Snapshot and Company Dashboard.\n-   **Responding to License Items**  \nReview and internally respond to license items placed on your company, branch, or sponsored individual licenses.\n-   **Gathering Requirements**  \nUnderstand how to identify and collect the information and documents needed to complete filings in NMLS.\n-   **Filing Amendments to the Company MU1 Form**  \nExplains what an MU1 amendment filing is and why companies file amendments in NMLS—to keep their official record current and accurate with state regulators.\n-   **Completing Amendment Requirements Submitted Outside of NMLS**  \nUnderstand the external requirements and ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licCompMaint_maintainingYourCompanyLicense.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licCompMaint_maintainingYourCompanyLicense.md",
      "headings": [
        "Maintaining Your Company License {#licCompMaint_maintainingYourCompanyLicense .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licCompMaint_maintainingYourCompanyLicense.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licCompMaint_maintainingYourCompanyLicense.md:chunk-1",
      "title": "Maintaining Your Company License {#licCompMaint_maintainingYourCompanyLicense .concept}",
      "content": "dments in NMLS—to keep their official record current and accurate with state regulators.\n-   **Completing Amendment Requirements Submitted Outside of NMLS**  \nUnderstand the external requirements and documentation you must complete outside of NMLS when submitting company license or registration amendments.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licCompMaint_maintainingYourCompanyLicense.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licCompMaint_maintainingYourCompanyLicense.md",
      "headings": [
        "Maintaining Your Company License {#licCompMaint_maintainingYourCompanyLicense .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licCompMaint_maintainingYourCompanyLicense.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licCompMaint_otherTradeNames_amend.md:chunk-0",
      "title": "Amending Other Trade Names {#licCompMaint_amendingOtherTradeNames .task}",
      "content": "# Amending Other Trade Names \n\nSubmit an Advance Change Notice \\(ACN\\) to add, modify, or delete an Other Trade Name on your company’s MU1 filing, and upload any required documentation.\n\nUse a Company \\(MU1\\) amendment in NMLS to change Other Trade Names. Many state agencies require an Advance Change Notice \\(ACN\\) before the change takes effect, and timelines vary by agency. For authoritative definitions and requirements, see the NMLS Policy Guide. For state‑specific requirements and timelines, consult:\n\n-   State Licensing Checklist Compiler\n-   License Requirements and Fees Chart\n\n**Note:** Some agencies charge amendment fees for certain changes. Refer to the applicable state checklist for details.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Select **Filing** > **Company \\(MU1\\)** from the menu.\n\n    The Company Filing screen is displayed.\n\n4.  Select **Create New Filing**.\n\n    The Company Form \\(MU1\\) opens, beginning on the Business Activities screen.\n\n5.  Open the Other Trade Names section of the Company \\(MU1\\) filing.\n\n    **Note:** The agency‑specific ACN timeline determines the allowable **Effective Date**. Check your state’s requirements before proceeding.\n\n6.  Submit an ACN for an Other Trade Name.\n\n    1.  Click **Add** to add a new Other Trade Name, or select an existing name to modify or delete.\n\n    2.  Enter or update the **Other Trade Name**.\n\n    3.  Select the **Industry Type** and **State\\(s\\)** where the Other Trade Name will be used.\n\n        **Note:** If applicable, check **Forced Name?** for the respective states.\n\n    4.  Set the **Effective Date** according to agency rules \\(must be a current or future date; up to 120 days if required by policy\\).\n\n        **Note:** Review your state’s Amendment Checklist to confirm whether an ACN is required for this change and the required lead time.\n\n    5.  Click **Save** and proceed to the Attest and Submit section when ready.\n\n        **Note:** Some",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licCompMaint_otherTradeNames_amend.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licCompMaint_otherTradeNames_amend.md",
      "headings": [
        "Amending Other Trade Names {#licCompMaint_amendingOtherTradeNames .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licCompMaint_otherTradeNames_amend.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licCompMaint_otherTradeNames_amend.md:chunk-1",
      "title": "Amending Other Trade Names {#licCompMaint_amendingOtherTradeNames .task}",
      "content": "ent Checklist to confirm whether an ACN is required for this change and the required lead time.\n\n    5.  Click **Save** and proceed to the Attest and Submit section when ready.\n\n        **Note:** Some agencies charge an amendment fee for these changes; see the state checklist.\n\n7.  Modify a pending ACN for an Other Trade Name.\n\n    1.  Click the **Edit** icon next to the Other Trade Name you need to modify.\n\n    2.  Edit the **Name**, **Effective Date**, **Industry Type**, **State**, or **Forced Name** as applicable.\n\n    3.  Click **Save**.\n\n        **Note:** This action changes the “Pending Change Notice Type” to “Amend Creation” and places it in the “Unsubmitted Change Notices” list. To undo the amendment, use the **Undo** control if available.\n\n    4.  Proceed to Attest and Submit.\n\n8.  Cancel a pending ACN for an Other Trade Name.\n\n    1.  Select the pending ACN and click **Cancel**.\n\n    2.  Confirm the cancellation.\n\n        **Note:** This action places the item in the “Unsubmitted Change Notices” list and changes the “Pending Change Notice Type” to “Cancel Creation”. To undo the cancellation, use the **Undo** control if available.\n\n    3.  Proceed to Attest and Submit if additional changes remain.\n\n9.  Upload ACN documentation, if required by your agency.\n\n    1.  Open Document Uploads in the MU1 filing.\n\n    2.  Click **Add** and select the **Advance Change Notice** document type.\n\n    3.  \\(Optional\\) Enter a **Comment**, browse for the file, and click **Upload**.\n\n    4.  On the effective date of the change, re‑submit documents under the appropriate document type if required by your agency.\n\n10. Complete attestation and submission.\n\n    1.  Resolve any completeness check errors.\n\n    2.  Review the attestation language, then click **Attest and Submit**.\n\n**Parent topic:**Advance Change Notice for Company MU1 Amendments",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licCompMaint_otherTradeNames_amend.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licCompMaint_otherTradeNames_amend.md",
      "headings": [
        "Amending Other Trade Names {#licCompMaint_amendingOtherTradeNames .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licCompMaint_otherTradeNames_amend.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licCompMaint_otherTradeNames_amend.md:chunk-2",
      "title": "Amending Other Trade Names {#licCompMaint_amendingOtherTradeNames .task}",
      "content": "rent topic:**Advance Change Notice for Company MU1 Amendments",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licCompMaint_otherTradeNames_amend.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licCompMaint_otherTradeNames_amend.md",
      "headings": [
        "Amending Other Trade Names {#licCompMaint_amendingOtherTradeNames .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licCompMaint_otherTradeNames_amend.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licCompMaint_qualifyingInd_amend.md:chunk-0",
      "title": "Amending Qualifying Individuals {#licCompMaint_amendingQualifyingIndividuals .task}",
      "content": "# Amending Qualifying Individuals \n\nSubmit an Advance Change Notice \\(ACN\\) to add, remove, modify, or cancel changes to a Qualifying Individual \\(QI\\) on your company’s MU1 filing, and upload any required documentation.\n\nAmending a Qualifying Individual \\(QI\\) is performed by filing a Company \\(MU1\\) amendment in NMLS. Many state agencies require an Advance Change Notice \\(ACN\\) before the change takes effect. ACN timelines and documentation vary by agency.\n\n**Important:** Identifying or changing a Qualifying Individual typically triggers an Individual \\(MU2\\) Form requirement for that person. Ensure the individual has an NMLS account and completes/attests their MU2 as required.\n\nFor authoritative definitions and requirements, see the NMLS Policy Guide. For state-specific requirements and timelines, consult:\n\n-   State Licensing Checklist Compiler\n-   License Requirements and Fees Chart\n\n**Note:** Some agencies charge amendment fees for certain changes. Refer to the applicable state checklist for details.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Select **Filing** > **Company \\(MU1\\)** from the menu.\n\n    The Company Filing screen is displayed.\n\n4.  Select **Create New Filing**.\n\n    The Company Form \\(MU1\\) opens, beginning on the Business Activities screen.\n\n5.  Open the Qualifying Individuals section of the Company \\(MU1\\) filing.\n\n    **Note:** The agency-specific ACN timeline determines the allowable **Effective Date**. Check your state’s requirements before proceeding.\n\n6.  Submit an ACN to **add** a Qualifying Individual.\n\n    1.  Click **Add**.\n\n    2.  Search for the individual by **Name** or **NMLS \\#** and click **Search**. Select the correct record or create the individual if permitted.\n\n    3.  Enter the QI’s **Title** and **Business Address**.\n\n    4.  Select the applicable **Industry Type** and **State\\(s\\)**.\n\n    5.  Set the **Effective Date** according to agency rules \\(must be a current or futu",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licCompMaint_qualifyingInd_amend.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licCompMaint_qualifyingInd_amend.md",
      "headings": [
        "Amending Qualifying Individuals {#licCompMaint_amendingQualifyingIndividuals .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licCompMaint_qualifyingInd_amend.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licCompMaint_qualifyingInd_amend.md:chunk-1",
      "title": "Amending Qualifying Individuals {#licCompMaint_amendingQualifyingIndividuals .task}",
      "content": " QI’s **Title** and **Business Address**.\n\n    4.  Select the applicable **Industry Type** and **State\\(s\\)**.\n\n    5.  Set the **Effective Date** according to agency rules \\(must be a current or future date; up to 120 days if required by policy\\).\n\n        **Note:** Review the relevant state licensing requirements to confirm whether an ACN is required for this addition and what the lead time must be.\n\n    6.  Click **Save** and proceed to the Attest and Submit section when ready.\n\n7.  Submit an ACN to **remove** a Qualifying Individual.\n\n    1.  Click the **Delete** icon next to the QI to be removed.\n\n    2.  Provide all requested information, including the **Effective Date**.\n\n    3.  Click **Save** and proceed to Attest and Submit.\n\n8.  **Modify** a pending ACN for a Qualifying Individual.\n\n    1.  Click the **Edit** icon for the pending ACN.\n\n    2.  Update fields as needed \\(for example, **Title**, **Business Address**, **City**, **State**, **Country/Province**, **Postal Code**\\).\n\n    3.  If necessary, select the option to amend **Industry Type\\(s\\)** or **State\\(s\\)** for the QI.\n\n    4.  Click **Save**. To undo an amendment, use the **Undo** control if available.\n\n    5.  Proceed to Attest and Submit when ready.\n\n9.  **Cancel** a pending ACN for a Qualifying Individual.\n\n    1.  Open the pending ACN and click **Cancel**.\n\n    2.  Confirm the cancellation. To undo the cancellation, use the **Undo** control if available.\n\n    3.  Proceed to Attest and Submit if additional changes remain.\n\n10. Upload ACN documentation, if required by your agency.\n\n    1.  Open Document Uploads in the MU1 filing.\n\n    2.  Click **Add** and select the **Advance Change Notice** document type.\n\n    3.  \\(Optional\\) Enter a **Comment**, browse for the file, and click **Upload**.\n\n    4.  On the effective date of the change, re-submit documents under the appropriate document type if required by your agency.\n\n11. Complete attestation and submission.\n\n    1.  Resolve any completeness c",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licCompMaint_qualifyingInd_amend.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licCompMaint_qualifyingInd_amend.md",
      "headings": [
        "Amending Qualifying Individuals {#licCompMaint_amendingQualifyingIndividuals .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licCompMaint_qualifyingInd_amend.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licCompMaint_qualifyingInd_amend.md:chunk-2",
      "title": "Amending Qualifying Individuals {#licCompMaint_amendingQualifyingIndividuals .task}",
      "content": "  On the effective date of the change, re-submit documents under the appropriate document type if required by your agency.\n\n11. Complete attestation and submission.\n\n    1.  Resolve any completeness check errors.\n\n    2.  Review the attestation language, then click **Attest and Submit**.\n\n**Parent topic:**Advance Change Notice for Company MU1 Amendments",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licCompMaint_qualifyingInd_amend.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licCompMaint_qualifyingInd_amend.md",
      "headings": [
        "Amending Qualifying Individuals {#licCompMaint_amendingQualifyingIndividuals .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licCompMaint_qualifyingInd_amend.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_ESB_markingBondReady.md:chunk-0",
      "title": "Marking a Bond Ready {#xd_8c378acf17e6db4e-20399840-199489f9add--7fe6 .task}",
      "content": "# Marking a Bond Ready \n\nMark a bond or bond rider ready in NMLS to complete delivery to the regulator.\n\nThe **Mark Ready** action is required for first-time electronic bond submissions after a bond is signed. Marking the bond ready indicates it is complete and ready for regulator delivery.\n\n**Note:** Bonds for existing licenses are delivered to the regulator immediately after being marked ready. For new license applications, bonds are delivered once the application is submitted.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  From the Dashboard on the Home tab, scroll to **Surety Bonds and Riders**.\n\n4.  Access the Manage Surety Bond or Rider page from the Bonds Pending Action list.\n\n5.  Access the Manage Surety Bond or Rider page from the Bonds Pending Action list.\n\n6.  Review the bond details for accuracy.\n\n7.  Check the box in the attestation language.\n\n8.  Click **Mark Ready** to complete the process.\n\n    **Note:** Bonds already delivered no longer appear in the Bonds Pending Action list.\n\n**Parent topic:**Executing a Bond",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_ESB_markingBondReady.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_ESB_markingBondReady.md",
      "headings": [
        "Marking a Bond Ready {#xd_8c378acf17e6db4e-20399840-199489f9add--7fe6 .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_ESB_markingBondReady.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_InitialMU1newApp_filing.md:chunk-0",
      "title": "Filing the Initial Company MU1 Form for a New Application {#licComp_filingTheInitialCompanyMu1FormForANewApplication .concept}",
      "content": "# Filing the Initial Company MU1 Form for a New Application \n\nExplains the idea of creating a new Company Form \\(MU1\\) filing in NMLS when applying for a new license or registration, as well as the distinction between your NMLS record and a filing in NMLS. Provides context around the relationship between the Company Form \\(MU1\\), Individual Form \\(MU2\\), and Branch Form \\(MU3\\).\n\nIn NMLS, a company maintains a single core record that contains its identifying and organizational information. This is known as the **one record** concept. Regardless of how many states the company is licensed in or how many license types it holds, this foundational record remains the same.\n\nA **filing** refers to a submission of that core record—or parts of it—to a state regulator as part of a license application, amendment, renewal, or surrender. Filings are how companies share updated or required information with regulators, but they do not create new records; they are instances of sharing or updating the existing record.\n\nThe MU Forms serve different roles in building and maintaining this one record:\n\n-   **MU1 – Company Form:** The main form used to create and manage a company’s core record. The MU1 is filed when applying for new licenses or updating key company information.\n-   **MU2 – Individual Form:** Completed by individuals who are Control Persons, Executive Officers, Qualifying Individuals, or Branch Managers associated with the company. MU2 records are linked to the company’s MU1 filing and are required in most new license applications.\n-   **MU3 – Branch Form:** Used to manage and report on branch locations. Companies complete an MU3 for each branch location conducting licensed activity. These are tied to the MU1 record but are filed separately for each branch.\n\nTogether, these forms represent different aspects of a company’s NMLS record. The MU1 provides the central structure, while the MU2 and MU3 add individual and branch-level detail. When submitting a license application",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_InitialMU1newApp_filing.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_InitialMU1newApp_filing.md",
      "headings": [
        "Filing the Initial Company MU1 Form for a New Application {#licComp_filingTheInitialCompanyMu1FormForANewApplication .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_InitialMU1newApp_filing.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_InitialMU1newApp_filing.md:chunk-1",
      "title": "Filing the Initial Company MU1 Form for a New Application {#licComp_filingTheInitialCompanyMu1FormForANewApplication .concept}",
      "content": "orms represent different aspects of a company’s NMLS record. The MU1 provides the central structure, while the MU2 and MU3 add individual and branch-level detail. When submitting a license application, companies create a coordinated filing using these forms as required by the regulator.\n\nThe first step to applying for a new company license or registration is to create a Company Form \\(MU1\\) filing.\n\n**Parent topic:**Applying for a State Company License\n\n**Related information**  \n\nCreating a Company MU1 New Application Filing",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_InitialMU1newApp_filing.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_InitialMU1newApp_filing.md",
      "headings": [
        "Filing the Initial Company MU1 Form for a New Application {#licComp_filingTheInitialCompanyMu1FormForANewApplication .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_InitialMU1newApp_filing.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_MLOmgt_MLOcourseCompletionRecords-1.md:chunk-0",
      "title": "Viewing MLO Education Course Completion Records {#licComp_MLOmgt_viewingMloEducationCourseCompletionRecords .task}",
      "content": "# Viewing MLO Education Course Completion Records \n\nLearn how to view your sponsorted Mortgage Loan Originator \\(MLO\\) pre-licensure and continuing education course completion records in NMLS to verify that education requirements have been met.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Click the **Composite View** tab.\n\n4.  Click **View Individual**.\n\n5.  Search for the desired individual by NMLS ID or first and last name.\n\n6.  Select the **NMLS ID** hyperlink for the individual.\n\n7.  Click **View Education Record** in the left navigation panel.\n\n**Parent topic:**Managing Mortgage Loan Originators",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_MLOmgt_MLOcourseCompletionRecords-1.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_MLOmgt_MLOcourseCompletionRecords-1.md",
      "headings": [
        "Viewing MLO Education Course Completion Records {#licComp_MLOmgt_viewingMloEducationCourseCompletionRecords .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_MLOmgt_MLOcourseCompletionRecords-1.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_MLOmgt_MLOcourseCompletionRecords.md:chunk-0",
      "title": "Viewing MLO Education Course Completion Records {#licComp_MLOmgt_viewingMloEducationCourseCompletionRecords .task}",
      "content": "# Viewing MLO Education Course Completion Records \n\nLearn how to view your sponsorted Mortgage Loan Originator \\(MLO\\) pre-licensure and continuing education course completion records in NMLS to verify that education requirements have been met.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Click the **Composite View** tab.\n\n4.  Click **View Individual**.\n\n5.  Search for the desired individual by NMLS ID or first and last name.\n\n6.  Select the **NMLS ID** hyperlink for the individual.\n\n7.  Click **View Education Record** in the left navigation panel.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_MLOmgt_MLOcourseCompletionRecords.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_MLOmgt_MLOcourseCompletionRecords.md",
      "headings": [
        "Viewing MLO Education Course Completion Records {#licComp_MLOmgt_viewingMloEducationCourseCompletionRecords .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_MLOmgt_MLOcourseCompletionRecords.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_MLOmgt_MLOrenewalDashboard_requesting.md:chunk-0",
      "title": "Requesting NMLS Annual Renewal for MLO Licenses via the Renewal Dashboard {#licComp_MLOmgt_requestingNmlsAnnualRenewalForMloLiensesViaTheRenewalDashboard .task}",
      "content": "# Requesting NMLS Annual Renewal for MLO Licenses via the Renewal Dashboard \n\nLearn how to request annual renewal of Mortgage Loan Originator \\(MLO\\) licenses using the NMLS Renewal Dashboard to initiate the renewal process efficiently.\n\nThe Renewal Dashboard displays all company and branch licenses, as well as sponsored individual licenses in a renewable license status.\n\nFor companies that employ MLOs, individual licenses display on the dashboard only if the following criteria are met:\n\n-   The individual has attested to their record for the corresponding regulator\n-   Licenses are in a renewal-eligible status\n-   Licenses are NOT marked as Prevent Renewal by the regulator\n-   Individual reflects as “Compliant” for required CE hours on the Course Completion and Compliance Record in NMLS\n-   Company is actively sponsoring the individual’s licenses that are eligible for renewal\n-   License renewal requests were not previously submitted for the current year\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Navigate to the Renewals Tab page in NMLS Classic.\n\n    -   Select **Renewal Home** in the Quick Links section.\n\n        \n\n    -   Select the **Renew** link next to the relevant license in the My Licenses section.\n\n        \n\n    You are navigated to NMLS Classic on the Renewals Tab.\n\n4.  Select **View by State Agency** or **View by Location** from the left navigation panel.\n\n5.  Filter the selected dashboard to see the licenses you want to renew.\n\n6.  Select the **checkbox** for the licenses you want to renew.\n\n7.  Select the **Apply Selections** button.\n\n8.  Select the **Proceed to Cart** button.\n\nAttesting and Paying for NMLS Annual Renewal for Company Licenses or Registrations\n\n**Parent topic:**Managing NMLS Annual Renewal for MLO Licenses or Registrations",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_MLOmgt_MLOrenewalDashboard_requesting.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_MLOmgt_MLOrenewalDashboard_requesting.md",
      "headings": [
        "Requesting NMLS Annual Renewal for MLO Licenses via the Renewal Dashboard {#licComp_MLOmgt_requestingNmlsAnnualRenewalForMloLiensesViaTheRenewalDashboard .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_MLOmgt_MLOrenewalDashboard_requesting.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_MLOmgt_MLOrenewalDashboard_requesting_2.md:chunk-0",
      "title": "Requesting NMLS Annual Renewal for MLO Licenses via the Renewal Dashboard {#licComp_MLOmgt_requestingNmlsAnnualRenewalForMloLiensesViaTheRenewalDashboard .task}",
      "content": "# Requesting NMLS Annual Renewal for MLO Licenses via the Renewal Dashboard \n\nLearn how to request annual renewal of Mortgage Loan Originator \\(MLO\\) licenses using the NMLS Renewal Dashboard to initiate the renewal process efficiently.\n\nThe Renewal Dashboard displays all company and branch licenses, as well as sponsored individual licenses in a renewable license status.\n\nFor companies that employ MLOs, individual licenses display on the dashboard only if the following criteria are met:\n\n-   The individual has attested to their record for the corresponding regulator\n-   Licenses are in a renewal-eligible status\n-   Licenses are NOT marked as Prevent Renewal by the regulator\n-   Individual reflects as “Compliant” for required CE hours on the Course Completion and Compliance Record in NMLS\n-   Company is actively sponsoring the individual’s licenses that are eligible for renewal\n-   License renewal requests were not previously submitted for the current year\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Navigate to the Renewals Tab page in NMLS Classic.\n\n    -   Select **Renewal Home** in the Quick Links section.\n\n        \n\n    -   Select the **Renew** link next to the relevant license in the My Licenses section.\n\n        \n\n    You are navigated to NMLS Classic on the Renewals Tab.\n\n4.  Select **View by State Agency** or **View by Location** from the left navigation panel.\n\n5.  Filter the selected dashboard to see the licenses you want to renew.\n\n6.  Select the **checkbox** for the licenses you want to renew.\n\n7.  Select the **Apply Selections** button.\n\n8.  Select the **Proceed to Cart** button.\n\nAttesting and Paying for NMLS Annual Renewal for Company Licenses or Registrations\n\n**Parent topic:**Managing NMLS Annual Renewal for MLO Licenses or Registrations",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_MLOmgt_MLOrenewalDashboard_requesting_2.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_MLOmgt_MLOrenewalDashboard_requesting_2.md",
      "headings": [
        "Requesting NMLS Annual Renewal for MLO Licenses via the Renewal Dashboard {#licComp_MLOmgt_requestingNmlsAnnualRenewalForMloLiensesViaTheRenewalDashboard .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_MLOmgt_MLOrenewalDashboard_requesting_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_MLOmgt_MU4_access_requesting.md:chunk-0",
      "title": "Requesting Access to an MLO Record {#xd_0619522dfd5db0be--2eeb9d7e-19707f406a7--7fe9 .task}",
      "content": "# Requesting Access to an MLO Record \n\nLearn how a company user can request access to a Mortgage Loan Originator \\(MLO\\) record in NMLS.\n\nRequesting access is a critical step for establishing a professional relationship with an MLO, enabling the company to manage the MLO's license information and submit filings on their behalf. The process includes locating the MLO in the system, submitting an access request, and understanding the approval workflow. Access must be granted before a company can take licensing actions or associate the MLO with their company record.\n\nSee Company Access and Company Relationship in the NMLS Policy Guidebook for more information.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Select the **NMLS Connect** tab.\n\n    You are navigated to the NMLS Connect home screen.\n\n4.  In Find People section, search for the MLO and request access to their record.\n\n5.  Click the **Request Access** link for the desired MLO.\n\nThe MLO is notified of the access request and must log in to NMLS to approve the access request.\n\nCreating Relationships and Sponsorships\n\n**Parent topic:**MLO Access, Relationship, and Sponsorship\n\n**Previous topic:**MLO Access, Relationship, and Sponsorship\n\n**Next topic:**Creating Relationships and Sponsorships\n\n**NMLS Policy Guide**  \n\nCompany Access\n\n**Individual Licensing Guide**  \n\nCompany Access",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_MLOmgt_MU4_access_requesting.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_MLOmgt_MU4_access_requesting.md",
      "headings": [
        "Requesting Access to an MLO Record {#xd_0619522dfd5db0be--2eeb9d7e-19707f406a7--7fe9 .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_MLOmgt_MU4_access_requesting.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_MLOmgt_MU4_completing.md:chunk-0",
      "title": "Completing the MU4 Individual Form on Behalf of an MLO {#licComp_MLOmgt_completingTheMu4IndividualFormOnBehalfOfAnMlo .task}",
      "content": "# Completing the MU4 Individual Form on Behalf of an MLO \n\nFollow the steps to complete the MU4 Individual Form in NMLS on behalf of a Mortgage Loan Originator \\(MLO\\), ensuring all required information is accurate before submitting for their review and attestation.\n\nCompanies can initiate and complete portions of an Individual \\(MU4\\) Form on behalf of a mortgage loan originator \\(MLO\\). The MLO must have an NMLS individual account and must ultimately attest to the filing before the company can submit it to the regulator. Review state-specific requirements and prerequisites \\(for example, SAFE MLO test and pre-licensure education\\) using the State Licensing Checklist Compiler. For authoritative policy guidance, see the NMLS Policy Guide.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Select the **NMLS Connect** tab.\n\n    You are navigated to the NMLS Connect home screen.\n\n4.  Select the **Manage People** icon on the left navigation panel.\n\n5.  Search for the desired individual and Select the hyperlinked **Individual Name**.\n\n6.  Select **Add New License** in the Actionssection.\n\n7.  Complete required sections in the left navigation panel for the MU4 filing.\n\n8.  When ready to involve the MLO, select the Attest and Submit section on the left navigation panel.\n\n9.  Select the **Request Attestation** button.\n\n    **Note:** The individual is notified instructing them to attest to the filing.\n\n10. After the MLO has attested, go to NMLS Connect and select the **Requests & Filings** icon on the left navigation panel.\n\n11. Locate the filing in an `Attested` status and select the **MU4 Filing** link.\n\n12. Select the **Attest and Submit** link in the left navigation panel.\n\n13. Select **I verify that I am the named person above...**.\n\n14. Select the **Submit Filing** button.\n\n15. Follow any payment prompts, if applicable.\n\nThe MU4 Form is submitted and sent to the relevant state agencies for review.\n\n**Parent topic:**Managing I",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_MLOmgt_MU4_completing.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_MLOmgt_MU4_completing.md",
      "headings": [
        "Completing the MU4 Individual Form on Behalf of an MLO {#licComp_MLOmgt_completingTheMu4IndividualFormOnBehalfOfAnMlo .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_MLOmgt_MU4_completing.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_MLOmgt_MU4_completing.md:chunk-1",
      "title": "Completing the MU4 Individual Form on Behalf of an MLO {#licComp_MLOmgt_completingTheMu4IndividualFormOnBehalfOfAnMlo .task}",
      "content": "*.\n\n14. Select the **Submit Filing** button.\n\n15. Follow any payment prompts, if applicable.\n\nThe MU4 Form is submitted and sent to the relevant state agencies for review.\n\n**Parent topic:**Managing Individual MU4 Filings",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_MLOmgt_MU4_completing.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_MLOmgt_MU4_completing.md",
      "headings": [
        "Completing the MU4 Individual Form on Behalf of an MLO {#licComp_MLOmgt_completingTheMu4IndividualFormOnBehalfOfAnMlo .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_MLOmgt_MU4_completing.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_MLOmgt_MU4filings_managing.md:chunk-0",
      "title": "Managing Individual MU4 Filings {#licComp_MLOmgt_managingIndividualMu4Filings .concept}",
      "content": "# Managing Individual MU4 Filings \n\nLearn how companies can initiate and manage Individual MU4 filings in NMLS on behalf of Mortgage Loan Originators \\(MLOs\\), including submitting the filing for the MLO's attestation.\n\nAll MLO management functions in NMLS are located in NMLS Connect, accessed by clicking the **NMLS Connect** tab in NMLS.\n\nThe Individual \\(MU4\\) Form is used by mortgage loan originators \\(MLOs\\) to apply for state licensure through NMLS. A filing may be initiated by the employing company or directly by the individual, but both parties play a role in completing the process.\n\nBefore filing, many state agencies require completion of Pre-Licensure Education and a passing score on the National and State Components of the SAFE MLO Test. Review the State Licensing Checklist Compiler to determine prerequisites and required documentation for each license type.\n\nThe general process includes:\n\n-   Company or individual initiates the Individual \\(MU4\\) Form filing in NMLS.\n-   The company may enter required information, or send the form to the individual for attestation.\n-   The individual must complete and attest to their portion of the filing. An NMLS account is required for the individual.\n-   The company submits the attested MU4 filing to the regulator.\n-   The regulator reviews the application, may place license items for missing requirements, and updates the license status in NMLS.\n\n-   **Completing the MU4 Individual Form on Behalf of an MLO**  \nFollow the steps to complete the MU4 Individual Form in NMLS on behalf of a Mortgage Loan Originator \\(MLO\\), ensuring all required information is accurate before submitting for their review and attestation.\n-   **Amending an Individual MU4 Form on Behalf of an MLO**  \nFollow the process to amend an existing MU4 Individual Form in NMLS on behalf of a Mortgage Loan Originator \\(MLO\\) to update or correct information before resubmitting for attestation.\n-   **Recalling an Individual MU4 Filing Sent for Attestation*",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_MLOmgt_MU4filings_managing.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_MLOmgt_MU4filings_managing.md",
      "headings": [
        "Managing Individual MU4 Filings {#licComp_MLOmgt_managingIndividualMu4Filings .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_MLOmgt_MU4filings_managing.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_MLOmgt_MU4filings_managing.md:chunk-1",
      "title": "Managing Individual MU4 Filings {#licComp_MLOmgt_managingIndividualMu4Filings .concept}",
      "content": "vidual Form in NMLS on behalf of a Mortgage Loan Originator \\(MLO\\) to update or correct information before resubmitting for attestation.\n-   **Recalling an Individual MU4 Filing Sent for Attestation**  \nRecall an Individual \\(MU4\\) filing that was previously sent to an MLO for attestation, make edits as needed, and resend the filing through NMLS.\n\n**Parent topic:**Managing Mortgage Loan Originators",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_MLOmgt_MU4filings_managing.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_MLOmgt_MU4filings_managing.md",
      "headings": [
        "Managing Individual MU4 Filings {#licComp_MLOmgt_managingIndividualMu4Filings .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_MLOmgt_MU4filings_managing.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_MLOmgt_MU4senttoMLO_recalling.md:chunk-0",
      "title": "Recalling an Individual MU4 Filing Sent for Attestation {#licComp_MLOmgt_recallingAnIndividualMu4FormSentToAnMlo .task}",
      "content": "# Recalling an Individual MU4 Filing Sent for Attestation \n\nRecall an Individual \\(MU4\\) filing that was previously sent to an MLO for attestation, make edits as needed, and resend the filing through NMLS.\n\nIf an Individual \\(MU4\\) filing has been sent to an MLO for attestation but requires edits or corrections, the company can recall the filing. Recalling the filing reopens it to company users, allowing changes to be made before resending to the MLO. The individual must still attest to the updated filing before the company can submit it to the regulator. For state-specific requirements or limitations, consult the State Licensing Checklist Compiler. For authoritative policy guidance, see the NMLS Policy Guide.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  After the MLO has attested, go to NMLS Connect and select the **Requests & Filings** icon on the left navigation panel.\n\n4.  Locate the filing in an \"Attestation Requestd\" status.\n\n5.  Click the **Delete** icon.\n\nThe filing is deleted and removed from the Tasks section of NMLS Connect for the individual.\n\n**Parent topic:**Managing Individual MU4 Filings",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_MLOmgt_MU4senttoMLO_recalling.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_MLOmgt_MU4senttoMLO_recalling.md",
      "headings": [
        "Recalling an Individual MU4 Filing Sent for Attestation {#licComp_MLOmgt_recallingAnIndividualMu4FormSentToAnMlo .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_MLOmgt_MU4senttoMLO_recalling.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_MLOmgt_indMU4_amendFor.md:chunk-0",
      "title": "Amending an Individual MU4 Form on Behalf of an MLO {#licComp_MLOmgt_amendingAnIdividualMu4FormOnBehalfOfAnMlo .task}",
      "content": "# Amending an Individual MU4 Form on Behalf of an MLO \n\nFollow the process to amend an existing MU4 Individual Form in NMLS on behalf of a Mortgage Loan Originator \\(MLO\\) to update or correct information before resubmitting for attestation.\n\nCompanies may amend an MLO’s existing Individual \\(MU4\\) filing to reflect changes such as employment, address, or disclosures. The individual must have an NMLS account and must attest to the amended filing before the company can submit it to the regulator. State requirements \\(including when advance notice may be needed\\) vary—review the State Licensing Checklist Compiler. For authoritative policy guidance, see the NMLS Policy Guide.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Select the **NMLS Connect** tab.\n\n    You are navigated to the NMLS Connect home screen.\n\n4.  Select the **Manage People** icon on the left navigation panel.\n\n5.  Search for the desired individual and Select the hyperlinked **Individual Name**.\n\n6.  Select **Update Record** in the Actionssection.\n\n7.  Update the desired sections in the left navigation panel for the MU4 filing.\n\n8.  When ready to involve the MLO, select the Attest and Submit section on the left navigation panel.\n\n9.  Select the **Request Attestation** button.\n\n    **Note:** The individual is notified instructing them to attest to the filing.\n\n10. After the MLO has attested, go to NMLS Connect and select the **Requests & Filings** icon on the left navigation panel.\n\n11. Locate the filing in an `Attested` status and select the **MU4 Filing** link.\n\n12. Select the **Attest and Submit** link in the left navigation panel.\n\n13. Select **I verify that I am the named person above...**.\n\n14. Select the **Submit Filing** button.\n\n15. Follow any payment prompts, if applicable.\n\nThe MU4 Form is submitted and sent to the relevant state agencies for review.\n\n**Parent topic:**Managing Individual MU4 Filings",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_MLOmgt_indMU4_amendFor.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_MLOmgt_indMU4_amendFor.md",
      "headings": [
        "Amending an Individual MU4 Form on Behalf of an MLO {#licComp_MLOmgt_amendingAnIdividualMu4FormOnBehalfOfAnMlo .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_MLOmgt_indMU4_amendFor.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_MLOmgt_licRegAnnRenewMLO.md:chunk-0",
      "title": "Managing NMLS Annual Renewal for MLO Licenses or Registrations {#licComp_MLOmgt_nmlsAnnualRenewalForMloLicensesOrRegistrations .concept}",
      "content": "# Managing NMLS Annual Renewal for MLO Licenses or Registrations \n\nOverview of how companies manage the annual renewal process for Mortgage Loan Originator \\(MLO\\) licenses and registrations in NMLS, including collaboration with MLOs to ensure timely and accurate renewals.\n\n## Large Company Process: Renewal Dashboards \n\nFor companies with a larger number of company, branch, and individual licenses, NMLS has a Renewal Dashboard which allows for easier visual indication of licenses available for renewal. The Renewal Dashboard is recommended for large companies due to the ability to process renewals by entity type \\(company, branch, or individual\\) or jurisdiction.\n\nSee Requesting NMLS Annual Renewal for MLO Licenses via the Renewal Dashboard for more information.\n\n## **Small Company Process** \n\nFor smaller companies and sole proprietors, using the Renewal Selection List provides a quick, filterable list of all company, branch, and individual licenses available for renewal. Companies can renew all of the licenses at once or can choose a single license to renew or not renew.\n\nSee Requesting NMLS Annual Renewal for MLO Licenses from the Renewal Selection List for more information.\n\n-   **Requesting NMLS Annual Renewal for MLO Licenses via the Renewal Dashboard**  \nLearn how to request annual renewal of Mortgage Loan Originator \\(MLO\\) licenses using the NMLS Renewal Dashboard to initiate the renewal process efficiently.\n-   **Requesting NMLS Annual Renewal for MLO Licenses from the Renewal Selection List**  \nLearn how to request annual renewal of Mortgage Loan Originator \\(MLO\\) licenses by selecting individuals from the Renewal Selection List within NMLS.\n\n**Parent topic:**Managing Mortgage Loan Originators",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_MLOmgt_licRegAnnRenewMLO.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_MLOmgt_licRegAnnRenewMLO.md",
      "headings": [
        "Managing NMLS Annual Renewal for MLO Licenses or Registrations {#licComp_MLOmgt_nmlsAnnualRenewalForMloLicensesOrRegistrations .concept}",
        "Large Company Process: Renewal Dashboards {#section_zg4_hcz_vgc .section}",
        "**Small Company Process** {#section_oxc_gcz_vgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_MLOmgt_licRegAnnRenewMLO.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_MLOmgt_licRegAnnRenewMLO_2.md:chunk-0",
      "title": "Managing NMLS Annual Renewal for MLO Licenses or Registrations {#licComp_MLOmgt_nmlsAnnualRenewalForMloLicensesOrRegistrations .concept}",
      "content": "# Managing NMLS Annual Renewal for MLO Licenses or Registrations \n\nOverview of how companies manage the annual renewal process for Mortgage Loan Originator \\(MLO\\) licenses and registrations in NMLS, including collaboration with MLOs to ensure timely and accurate renewals.\n\n## Large Company Process: Renewal Dashboards \n\nFor companies with a larger number of company, branch, and individual licenses, NMLS has a Renewal Dashboard which allows for easier visual indication of licenses available for renewal. The Renewal Dashboard is recommended for large companies due to the ability to process renewals by entity type \\(company, branch, or individual\\) or jurisdiction.\n\nSee Requesting NMLS Annual Renewal for MLO Licenses via the Renewal Dashboard for more information.\n\n## **Small Company Process** \n\nFor smaller companies and sole proprietors, using the Renewal Selection List provides a quick, filterable list of all company, branch, and individual licenses available for renewal. Companies can renew all of the licenses at once or can choose a single license to renew or not renew.\n\nSee Requesting NMLS Annual Renewal for MLO Licenses from the Renewal Selection List for more information.\n\n-   **Requesting NMLS Annual Renewal for MLO Licenses via the Renewal Dashboard**  \nLearn how to request annual renewal of Mortgage Loan Originator \\(MLO\\) licenses using the NMLS Renewal Dashboard to initiate the renewal process efficiently.\n-   **Requesting NMLS Annual Renewal for MLO Licenses from the Renewal Selection List**  \nLearn how to request annual renewal of Mortgage Loan Originator \\(MLO\\) licenses by selecting individuals from the Renewal Selection List within NMLS.\n\n**Parent topic:**Renewing Company Licenses or Registrations",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_MLOmgt_licRegAnnRenewMLO_2.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_MLOmgt_licRegAnnRenewMLO_2.md",
      "headings": [
        "Managing NMLS Annual Renewal for MLO Licenses or Registrations {#licComp_MLOmgt_nmlsAnnualRenewalForMloLicensesOrRegistrations .concept}",
        "Large Company Process: Renewal Dashboards {#section_zg4_hcz_vgc .section}",
        "**Small Company Process** {#section_oxc_gcz_vgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_MLOmgt_licRegAnnRenewMLO_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_MLOmgt_licStatusVsRenewStatus.md:chunk-0",
      "title": "License Status vs. Renewal Status {#licComp_MLOmgt_licenseStatusVsRenewalStatus .concept}",
      "content": "# License Status vs. Renewal Status \n\nUnderstand the difference between a Mortgage Loan Originator’s \\(MLO’s\\) license status and renewal status in NMLS, and how each impacts eligibility, compliance, and renewal processing.\n\nIn NMLS, license status and renewal status are related but distinct concepts:\n\n-   **License Status** reflects the regulator’s classification of a license at a given point in time \\(for example, Approved, Suspended, or Terminated\\). This determines whether a license is eligible for renewal, as described in Renewable License Statuses.\n-   **Renewal Status** tracks the progress of a license during the renewal process itself \\(for example, Submitted, Approved, or Failed to Renew\\). This status appears in Renewal Activity reports and dashboards, helping companies and individuals monitor renewal progress once a request has been submitted.\n\nTogether, these two statuses guide both eligibility and completion of the renewal process: license status sets the baseline for whether a license can be renewed, while renewal status reflects the real-time outcome of the renewal workflow in NMLS.\n\n**Parent topic:**Renewable License Statuses\n\n**NMLS Reference Guide**  \n\nNMLS Processing Fees\n\nCorrecting Failed Payments\n\nNMLS Payment Options\n\n**NMLS Resource Center**  \n\nState Licensing Checklist Compiler\n\nState Renewals Checklist Compiler\n\nNMLS Resource Center Home\n\nNMLS Call Center",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_MLOmgt_licStatusVsRenewStatus.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_MLOmgt_licStatusVsRenewStatus.md",
      "headings": [
        "License Status vs. Renewal Status {#licComp_MLOmgt_licenseStatusVsRenewalStatus .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_MLOmgt_licStatusVsRenewStatus.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_MLOmgt_licStatusVsRenewStatus_2.md:chunk-0",
      "title": "License Status vs. Renewal Status {#licComp_MLOmgt_licenseStatusVsRenewalStatus .concept}",
      "content": "# License Status vs. Renewal Status \n\nUnderstand the difference between a Mortgage Loan Originator’s \\(MLO’s\\) license status and renewal status in NMLS, and how each impacts eligibility, compliance, and renewal processing.\n\nIn NMLS, license status and renewal status are related but distinct concepts:\n\n-   **License Status** reflects the regulator’s classification of a license at a given point in time \\(for example, Approved, Suspended, or Terminated\\). This determines whether a license is eligible for renewal, as described in Renewable License Statuses.\n-   **Renewal Status** tracks the progress of a license during the renewal process itself \\(for example, Submitted, Approved, or Failed to Renew\\). This status appears in Renewal Activity reports and dashboards, helping companies and individuals monitor renewal progress once a request has been submitted.\n\nTogether, these two statuses guide both eligibility and completion of the renewal process: license status sets the baseline for whether a license can be renewed, while renewal status reflects the real-time outcome of the renewal workflow in NMLS.\n\n**Parent topic:**Determining Renewal Status Using Composite View",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_MLOmgt_licStatusVsRenewStatus_2.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_MLOmgt_licStatusVsRenewStatus_2.md",
      "headings": [
        "License Status vs. Renewal Status {#licComp_MLOmgt_licenseStatusVsRenewalStatus .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_MLOmgt_licStatusVsRenewStatus_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_MLOmgt_managingMlos.md:chunk-0",
      "title": "Managing Mortgage Loan Originators {#licComp_MLOmgt_managingMlos .concept}",
      "content": "# Managing Mortgage Loan Originators \n\nLearn how to manage Mortgage Loan Originators \\(MLOs\\) in NMLS, including steps for establishing relationships and sponsorships, overseeing education and SAFE test enrollments, submitting MU4 filings, monitoring MLO activity, and handling license renewals.\n\nAll MLO management functions in NMLS are located in NMLS Connect, accessed by clicking the **NMLS Connect** tab in NMLS.\n\nSee the following topics for more information:\n\n-   MLO Access, Relationship, and Sponsorship\n-   Viewing MLO Education Course Completion Records\n-   Managing SAFE MLO Test Enrollment\n-   Managing Individual MU4 Filings\n\n-   **MLO Access, Relationship, and Sponsorship**  \nLearn how Mortgage Loan Originators \\(MLOs\\) grant NMLS access to their employing company, and how companies establish relationships and request or maintain sponsorships required for licensure.\n-   **Viewing MLO Education Course Completion Records**  \nLearn how to view your sponsorted Mortgage Loan Originator \\(MLO\\) pre-licensure and continuing education course completion records in NMLS to verify that education requirements have been met.\n-   **Managing SAFE MLO Test Enrollment**  \nUnderstand how to enroll Mortgage Loan Originators \\(MLOs\\) in the SAFE MLO Test through NMLS, including selecting test components and managing enrollments on their behalf.\n-   **Managing Individual MU4 Filings**  \nLearn how companies can initiate and manage Individual MU4 filings in NMLS on behalf of Mortgage Loan Originators \\(MLOs\\), including submitting the filing for the MLO's attestation.\n-   **Managing NMLS Annual Renewal for MLO Licenses or Registrations**  \nOverview of how companies manage the annual renewal process for Mortgage Loan Originator \\(MLO\\) licenses and registrations in NMLS, including collaboration with MLOs to ensure timely and accurate renewals.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_MLOmgt_managingMlos.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_MLOmgt_managingMlos.md",
      "headings": [
        "Managing Mortgage Loan Originators {#licComp_MLOmgt_managingMlos .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_MLOmgt_managingMlos.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_MLOmgt_managingSafeMloTestEnrollment.md:chunk-0",
      "title": "Managing SAFE MLO Test Enrollment {#licComp_MLOmgt_managingSafeMloTestEnrollment .task}",
      "content": "# Managing SAFE MLO Test Enrollment \n\nUnderstand how to enroll Mortgage Loan Originators \\(MLOs\\) in the SAFE MLO Test through NMLS, including selecting test components and managing enrollments on their behalf.\n\nRefer to the steps in the MLO Education and Testing Guide for this process.\n\n**Parent topic:**Managing Mortgage Loan Originators",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_MLOmgt_managingSafeMloTestEnrollment.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_MLOmgt_managingSafeMloTestEnrollment.md",
      "headings": [
        "Managing SAFE MLO Test Enrollment {#licComp_MLOmgt_managingSafeMloTestEnrollment .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_MLOmgt_managingSafeMloTestEnrollment.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_MLOmgt_mloAccessRelationshipAndSponsorship.md:chunk-0",
      "title": "MLO Access, Relationship, and Sponsorship {#licComp_MLOmgt_mloAccessRelationshipAndSponsorship .concept}",
      "content": "# MLO Access, Relationship, and Sponsorship \n\nLearn how Mortgage Loan Originators \\(MLOs\\) grant NMLS access to their employing company, and how companies establish relationships and request or maintain sponsorships required for licensure.\n\nThis topic is designed to help simplify the process of onboarding a new Mortgage Loan Originator \\(MLO\\). Each step ensures your company meets NMLS requirements for establishing a relationship with an MLO.\n\n## Prerequisites \n\nBefore starting, make sure both your company and the MLO meet these conditions:\n\n-   Your company has applied for or holds a company license in NMLS.\n-   Your MLO has applied for or holds an individual license in NMLS.\n\nSee Using Composite View to Determine License or Registration Status for more information on how to verify your company and your MLOs' license status.\n\nSee the following topics for more information:\n\n-   Requesting Access to an MLO Record\n-   Creating Relationships and Sponsorships\n-   Modifying Active Relationships\n-   Ending Relationships and Sponsorships\n\n1.  Requesting Access to an MLO Record  \nLearn how a company user can request access to a Mortgage Loan Originator \\(MLO\\) record in NMLS.\n2.  Creating Relationships and Sponsorships  \nFollow the steps to create a relationship with a Mortgage Loan Originator \\(MLO\\) in NMLS and request sponsorship of their license, which is required for most state-licensed MLOs.\n3.  Modifying Active Relationships  \nLearn how to update key details such as relationship effective dates, worker classification effective dates, remote work classification, and license associations.\n4.  Ending Relationships and Sponsorships  \nLearn how to end relationships and sponsorships for individuals you have access to in NMLS.\n\n**Parent topic:**Managing Mortgage Loan Originators\n\n**NMLS Policy Guide**  \n\nCompany Access\n\n**Individual Licensing Guide**  \n\nCompany Access\n\n**Additional Resources**  \n\nState Licensing Checklist Compiler\n\nCompany Access\n\nCompany Relationship\n\nSpon",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_MLOmgt_mloAccessRelationshipAndSponsorship.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_MLOmgt_mloAccessRelationshipAndSponsorship.md",
      "headings": [
        "MLO Access, Relationship, and Sponsorship {#licComp_MLOmgt_mloAccessRelationshipAndSponsorship .concept}",
        "Prerequisites {#section_omc_1ss_mfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_MLOmgt_mloAccessRelationshipAndSponsorship.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_MLOmgt_mloAccessRelationshipAndSponsorship.md:chunk-1",
      "title": "MLO Access, Relationship, and Sponsorship {#licComp_MLOmgt_mloAccessRelationshipAndSponsorship .concept}",
      "content": "s\n\n**NMLS Policy Guide**  \n\nCompany Access\n\n**Individual Licensing Guide**  \n\nCompany Access\n\n**Additional Resources**  \n\nState Licensing Checklist Compiler\n\nCompany Access\n\nCompany Relationship\n\nSponsoring a License",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_MLOmgt_mloAccessRelationshipAndSponsorship.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_MLOmgt_mloAccessRelationshipAndSponsorship.md",
      "headings": [
        "MLO Access, Relationship, and Sponsorship {#licComp_MLOmgt_mloAccessRelationshipAndSponsorship .concept}",
        "Prerequisites {#section_omc_1ss_mfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_MLOmgt_mloAccessRelationshipAndSponsorship.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_MLOmgt_modifyingActiveRelationships.md:chunk-0",
      "title": "Modifying Active Relationships {#licComp_MLOmgt_modifyingActiveRelationships .task}",
      "content": "# Modifying Active Relationships \n\nLearn how to update key details such as relationship effective dates, worker classification effective dates, remote work classification, and license associations.\n\nSee Company Relationship and Sponsoring a License for authoritative information on relationships and sponsorships in NMLS, including remote worker definitions. Follow the steps below to update relationship details for individuals.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Select the **NMLS Connect** tab.\n\n    You are navigated to the NMLS Connect home screen.\n\n4.  Select the **Manage People** icon on the left navigation panel.\n\n5.  Search for the desired individual and Select the hyperlinked **Individual Name**.\n\n6.  Select **Manage Relationship** in the Actions section.\n\n7.  Click the **Edit** button in the Relationship section.\n\n8.  Edit the selected fields.\n\n9.  Select **Save**.\n\n**Parent topic:**MLO Access, Relationship, and Sponsorship\n\n**Previous topic:**Creating Relationships and Sponsorships\n\n**Next topic:**Ending Relationships and Sponsorships",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_MLOmgt_modifyingActiveRelationships.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_MLOmgt_modifyingActiveRelationships.md",
      "headings": [
        "Modifying Active Relationships {#licComp_MLOmgt_modifyingActiveRelationships .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_MLOmgt_modifyingActiveRelationships.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_MLOmgt_relationsSponsors_creating.md:chunk-0",
      "title": "Creating Relationships and Sponsorships {#licComp_MLOmgt_creatingRelationshipsAndSponsorships .task}",
      "content": "# Creating Relationships and Sponsorships \n\nFollow the steps to create a relationship with a Mortgage Loan Originator \\(MLO\\) in NMLS and request sponsorship of their license, which is required for most state-licensed MLOs.\n\nRequesting Access to an MLO Record\n\nSee Company Relationship and Sponsoring a License for authoritative information on relationships and sponsorships in NMLS, including remote worker definitions. Follow the steps below to create a relationship with an MLO in NMLS and sponsor their license.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Select the **NMLS Connect** tab.\n\n    You are navigated to the NMLS Connect home screen.\n\n4.  Select the **Manage People** icon on the left navigation panel.\n\n5.  Search for the desired individual and Select the hyperlinked **Individual Name**.\n\n6.  Select the **Relationships & Sponsorships** tab.\n\n7.  Click the **Create New Relationship** button and complete all required fields.\n\n    The system notifies you that the relationship has been created and the screen refreshes.\n\n8.  Click the **Request Sponsorship** button.\n\n9.  Select the desired license you want to sponsor and click the **Sponsor License\\(s\\)** button.\n\n    **Note:** There is no charge for first-time sponsorship in NMLS. Sponsorship fees include a $35 processing fee combined with State Agency sponsorship fees. Follow the prompts on the payment screen to remit payment.\n\n    A confirmation screen appears and an email is sent to the individual.\n\n**Parent topic:**MLO Access, Relationship, and Sponsorship\n\n**Previous topic:**Requesting Access to an MLO Record\n\n**Next topic:**Modifying Active Relationships",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_MLOmgt_relationsSponsors_creating.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_MLOmgt_relationsSponsors_creating.md",
      "headings": [
        "Creating Relationships and Sponsorships {#licComp_MLOmgt_creatingRelationshipsAndSponsorships .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_MLOmgt_relationsSponsors_creating.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_MLOmgt_relationsSponsors_ending.md:chunk-0",
      "title": "Ending Relationships and Sponsorships {#licComp_MLOmgt_endingRelationshipsAndSponsorships .task}",
      "content": "# Ending Relationships and Sponsorships \n\nLearn how to end relationships and sponsorships for individuals you have access to in NMLS.\n\nSee Company Relationship and Sponsoring a License for authoritative information on relationships and sponsorships in NMLS. Follow the steps below to end a relationship or sponsorship.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Select the **NMLS Connect** tab.\n\n    You are navigated to the NMLS Connect home screen.\n\n4.  Select the **Manage People** icon on the left navigation panel.\n\n5.  Search for the desired individual and Select the hyperlinked **Individual Name**.\n\n6.  Select **Manage Relationship** in the Actions section.\n\n7.  Click the **End Relationship** button or the End Sponsorship button in the relevant section.\n\n8.  Complete all required fields.\n\n**Parent topic:**MLO Access, Relationship, and Sponsorship\n\n**Previous topic:**Modifying Active Relationships\n\n**Next topic:**Viewing MLO Education Course Completion Records",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_MLOmgt_relationsSponsors_ending.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_MLOmgt_relationsSponsors_ending.md",
      "headings": [
        "Ending Relationships and Sponsorships {#licComp_MLOmgt_endingRelationshipsAndSponsorships .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_MLOmgt_relationsSponsors_ending.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_MLOmgt_renewalSelectListMLO_requesting.md:chunk-0",
      "title": "Requesting NMLS Annual Renewal for MLO Licenses from the Renewal Selection List {#licComp_MLOmgt_requestingNmlsAnnualRenewalForMloLicensesFromTheRenewalSelectionList .task}",
      "content": "# Requesting NMLS Annual Renewal for MLO Licenses from the Renewal Selection List \n\nLearn how to request annual renewal of Mortgage Loan Originator \\(MLO\\) licenses by selecting individuals from the Renewal Selection List within NMLS.\n\nFor smaller companies and sole proprietors, using the Renewal Selection List provides a quick, filterable list of all company, branch, and individual licenses available for renewal. Companies can renew all of the licenses at once or can choose a single license to renew or not renew.\n\nFor companies that employ MLOs, individual licenses display on the dashboard only if the following criteria are met:\n\n-   The individual has attested to their record for the corresponding regulator\n-   Licenses are in a renewal-eligible status\n-   Licenses are NOT marked as Prevent Renewal by the regulator\n-   Individual reflects as “Compliant” for required CE hours on the Course Completion and Compliance Record in NMLS\n-   Company is actively sponsoring the individual’s licenses that are eligible for renewal\n-   License renewal requests were not previously submitted for the current year\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Navigate to the Renewals Tab page in NMLS Classic.\n\n    -   Select **Renewal Home** in the Quick Links section.\n\n        \n\n    -   Select the **Renew** link next to the relevant license in the My Licenses section.\n\n        \n\n    You are navigated to NMLS Classic on the Renewals Tab.\n\n4.  Select the **Submit Sponsored Individual\\(s\\)** link from the left navigation panel.\n\n5.  Filter the selected dashboard to see the licenses you want to renew.\n\n6.  Select the **checkbox** for the licenses you want to renew.\n\n7.  Select the **Apply Selections** button.\n\n8.  Select the **Proceed to Cart** button.\n\nAttesting and Paying for NMLS Annual Renewal for Company Licenses or Registrations\n\n**Parent topic:**Managing NMLS Annual Renewal for MLO Licenses or Registrations",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_MLOmgt_renewalSelectListMLO_requesting.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_MLOmgt_renewalSelectListMLO_requesting.md",
      "headings": [
        "Requesting NMLS Annual Renewal for MLO Licenses from the Renewal Selection List {#licComp_MLOmgt_requestingNmlsAnnualRenewalForMloLicensesFromTheRenewalSelectionList .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_MLOmgt_renewalSelectListMLO_requesting.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_MLOmgt_renewalSelectListMLO_requesting_2.md:chunk-0",
      "title": "Requesting NMLS Annual Renewal for MLO Licenses from the Renewal Selection List {#licComp_MLOmgt_requestingNmlsAnnualRenewalForMloLicensesFromTheRenewalSelectionList .task}",
      "content": "# Requesting NMLS Annual Renewal for MLO Licenses from the Renewal Selection List \n\nLearn how to request annual renewal of Mortgage Loan Originator \\(MLO\\) licenses by selecting individuals from the Renewal Selection List within NMLS.\n\nFor smaller companies and sole proprietors, using the Renewal Selection List provides a quick, filterable list of all company, branch, and individual licenses available for renewal. Companies can renew all of the licenses at once or can choose a single license to renew or not renew.\n\nFor companies that employ MLOs, individual licenses display on the dashboard only if the following criteria are met:\n\n-   The individual has attested to their record for the corresponding regulator\n-   Licenses are in a renewal-eligible status\n-   Licenses are NOT marked as Prevent Renewal by the regulator\n-   Individual reflects as “Compliant” for required CE hours on the Course Completion and Compliance Record in NMLS\n-   Company is actively sponsoring the individual’s licenses that are eligible for renewal\n-   License renewal requests were not previously submitted for the current year\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Navigate to the Renewals Tab page in NMLS Classic.\n\n    -   Select **Renewal Home** in the Quick Links section.\n\n        \n\n    -   Select the **Renew** link next to the relevant license in the My Licenses section.\n\n        \n\n    You are navigated to NMLS Classic on the Renewals Tab.\n\n4.  Select the **Submit Sponsored Individual\\(s\\)** link from the left navigation panel.\n\n5.  Filter the selected dashboard to see the licenses you want to renew.\n\n6.  Select the **checkbox** for the licenses you want to renew.\n\n7.  Select the **Apply Selections** button.\n\n8.  Select the **Proceed to Cart** button.\n\nAttesting and Paying for NMLS Annual Renewal for Company Licenses or Registrations\n\n**Parent topic:**Managing NMLS Annual Renewal for MLO Licenses or Registrations",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_MLOmgt_renewalSelectListMLO_requesting_2.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_MLOmgt_renewalSelectListMLO_requesting_2.md",
      "headings": [
        "Requesting NMLS Annual Renewal for MLO Licenses from the Renewal Selection List {#licComp_MLOmgt_requestingNmlsAnnualRenewalForMloLicensesFromTheRenewalSelectionList .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_MLOmgt_renewalSelectListMLO_requesting_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_MU1newAppFiling_creating.md:chunk-0",
      "title": "Creating a Company MU1 New Application Filing {#licComp_creatingAnCompanyMu1NewApplicationFiling .task}",
      "content": "# Creating a Company MU1 New Application Filing \n\nHow to create a new Company Form \\(MU1\\) filing in NMLS.\n\nYou must create a new Company Form \\(MU1\\) filing to apply for a new company license or registration in NMLS.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Select **Filing** > **Company \\(MU1\\)** from the menu.\n\n    The Company Filing screen is displayed.\n\n4.  Select **Create New Filing**.\n\n    The Company Form \\(MU1\\) opens, beginning on the Business Activities screen.\n\nSelecting Relevant Business Activities\n\n**Parent topic:**Applying for a State Company License",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_MU1newAppFiling_creating.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_MU1newAppFiling_creating.md",
      "headings": [
        "Creating a Company MU1 New Application Filing {#licComp_creatingAnCompanyMu1NewApplicationFiling .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_MU1newAppFiling_creating.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_addingOtherTradeNames.md:chunk-0",
      "title": "Adding Other Trade Names {#licComp_addingOtherTradeNames .task}",
      "content": "# Adding Other Trade Names \n\nEnter any additional trade names your company uses to ensure they are properly recorded and displayed in NMLS and on public records.\n\nIf your company operates under names other than its legal name, you must list those trade names in the Company MU1 Filing. This ensures that all business names used in the marketplace are disclosed to regulators and visible in NMLS Consumer Access. Trade name requirements vary by state, so review applicable guidelines in the NMLS Policy Guide before submitting.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Select **Filing** > **Company \\(MU1\\)** from the menu.\n\n    The Company Filing screen is displayed.\n\n4.  Select **Create New Filing**.\n\n    The Company Form \\(MU1\\) opens, beginning on the Business Activities screen.\n\n5.  Select **Other Trade Names** on the left navigation panel.\n\n6.  Select **Add**.\n\n7.  Enter the other trade name.\n\n8.  Select the relevant industry type.\n\n9.  Enter the effective date for the other trade name in a `MM/DD/YYYY` format.\n\n10. Select the states where the other trade name is used.\n\n11. Select the **Forced Name?** checkbox if required by the state regulator.\n\n12. Select **Save**.\n\n**Parent topic:**Other Trade Names\\*\n\n**Target**  \n\nAttesting and Submitting a New MU1 Application",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_addingOtherTradeNames.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_addingOtherTradeNames.md",
      "headings": [
        "Adding Other Trade Names {#licComp_addingOtherTradeNames .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_addingOtherTradeNames.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_affilSubsid_identifying.md:chunk-0",
      "title": "Identifying Affiliates and Subsidiaries {#licComp_identifyingAffiliatesAndSubsidiaries .task}",
      "content": "# Identifying Affiliates and Subsidiaries \n\nLearn how to complete the Affiliates and Subsidiaries section of the MU1 form by disclosing related entities that share common ownership or control with your company.\n\nUse the Affiliates and Subsidiaries section in the Company MU1 Filing to disclose any entities that share common ownership or control with your company. This requirement ensures transparency in corporate structure and compliance with state regulatory standards. For definitions of affiliates and subsidiaries and state-specific guidance, refer to the NMLS Policy Guide.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Select **Filing** > **Company \\(MU1\\)** from the menu.\n\n    The Company Filing screen is displayed.\n\n4.  Select **Create New Filing**.\n\n    The Company Form \\(MU1\\) opens, beginning on the Business Activities screen.\n\n5.  Open the **Affiliates and Subsidiaries** section of the MU1 form.\n\n6.  Click **Add** to create a new entry.\n\n7.  Enter the **Legal Name** of the affiliate or subsidiary.\n\n8.  Select whether the entity is an **Affiliate** or **Subsidiary**.\n\n9.  Provide details of the entity’s relationship to your company \\(e.g., shared ownership, control structure\\).\n\n10. Indicate whether the entity provides financial or settlement services, if applicable.\n\n11. Attach any supporting documentation if required by state regulators.\n\n12. Click **Save** to record the affiliate or subsidiary information.\n\n**Parent topic:**Affiliates / Subsidaries\n\n**Target**  \n\nAttesting and Submitting a New MU1 Application",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_affilSubsid_identifying.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_affilSubsid_identifying.md",
      "headings": [
        "Identifying Affiliates and Subsidiaries {#licComp_identifyingAffiliatesAndSubsidiaries .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_affilSubsid_identifying.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_appReqsOutsideNMLS_completing.md:chunk-0",
      "title": "Completing Application Requirements Submitted Outside of NMLS {#licComp_completingApplicationRequirementsSubmittedOutsideOfNmls .concept}",
      "content": "# Completing Application Requirements Submitted Outside of NMLS \n\nUnderstand the application requirements that companies must complete outside of NMLS, including fingerprinting, background checks, and submitting state-specific documentation.\n\nSome licensing requirements must be completed outside of NMLS. These include activities such as fingerprinting for background checks, mailing state-specific forms, or providing supplemental documentation directly to state agencies. These requirements are essential for the timely processing of your license application.\n\nTo identify and complete these items, review the following resources:\n\n-   Using the License Requirements and Fees Chart – Review this resource to confirm which documents or tasks must be completed outside of NMLS and their required submission timelines.\n-   License Requirements and Fees Chart – Use this interactive chart to filter license types and jurisdictions to view required documentation and timeframes.\n-   State Licensing Checklist Compiler – Access state-specific licensing checklists for details about mailing instructions, forms, and agency contacts.\n\nEach state agency provides guidance on the timeframe for completing or mailing these requirements. Ensure you follow the deadlines listed in the **License Requirements and Fees Chart** or the relevant licensing checklist to avoid delays in your application processing.\n\n**Parent topic:**Chapter II—NMLS Company Form \\(MU1\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_appReqsOutsideNMLS_completing.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_appReqsOutsideNMLS_completing.md",
      "headings": [
        "Completing Application Requirements Submitted Outside of NMLS {#licComp_completingApplicationRequirementsSubmittedOutsideOfNmls .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_appReqsOutsideNMLS_completing.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_appReqs_gathering-1.md:chunk-0",
      "title": "Gathering Requirements {#licComp_appReqs_gathering .concept}",
      "content": "# Gathering Requirements \n\nUnderstand how to identify and collect the information and documents needed to complete filings in NMLS.\n\nBefore completing a filing in NMLS, users should first determine what filings are required, and understand the documentation and information that must be submitted. Because licensing requirements vary by state and business activity, gathering this information in advance ensures a smoother application process.\n\nUse the following resources to guide your preparation:\n\n-   Figuring Out Which Licenses or Registrations You Need\n-   Using the License Requirements and Fees Chart\n-   Using the Checklist Compiler\n\n-   **Figuring Out Which Licenses or Registrations You Need**  \nReview and analyze your business activities and use NMLS resources to determine which licenses or registrations are required before starting a filing.\n-   **Using the Checklist Compiler**  \nUse the Checklist Compiler on the NMLS Resource Center to find and export state licensing checklists that outline what requirements you must complete for an NMLS filing \\(including tasks inside and outside NMLS\\).\n\n**Parent topic:**Before You Apply for a State License\n\n**NMLS Help**  \n\nAccount Administration\n\nChoosing Your Account Adminitstrators\n\nNMLS Two-Factor Authentication\n\nRequest an Individual Account\n\nNMLS Account Recovery\n\nManaging NMLS User Profiles\n\n**NMLS Resource Center**  \n\nState Licensing Checklist Compiler\n\nState Renewals Checklist Compiler\n\nNMLS Resource Center Home\n\nNMLS Call Center",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_appReqs_gathering-1.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_appReqs_gathering-1.md",
      "headings": [
        "Gathering Requirements {#licComp_appReqs_gathering .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_appReqs_gathering-1.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_appReqs_gathering-1_2.md:chunk-0",
      "title": "Gathering Requirements {#licComp_appReqs_gathering .concept}",
      "content": "# Gathering Requirements \n\nUnderstand how to identify and collect the information and documents needed to complete filings in NMLS.\n\nBefore completing a filing in NMLS, users should first determine what filings are required, and understand the documentation and information that must be submitted. Because licensing requirements vary by state and business activity, gathering this information in advance ensures a smoother application process.\n\nUse the following resources to guide your preparation:\n\n-   Figuring Out Which Licenses or Registrations You Need\n-   Using the License Requirements and Fees Chart\n-   Using the Checklist Compiler\n\n-   **Figuring Out Which Licenses or Registrations You Need**  \nReview and analyze your business activities and use NMLS resources to determine which licenses or registrations are required before starting a filing.\n\n**Parent topic:**Preparing to Apply for Branch Licenses or Registrations",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_appReqs_gathering-1_2.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_appReqs_gathering-1_2.md",
      "headings": [
        "Gathering Requirements {#licComp_appReqs_gathering .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_appReqs_gathering-1_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_appReqs_gathering-1_3.md:chunk-0",
      "title": "Gathering Requirements {#licComp_appReqs_gathering .concept}",
      "content": "# Gathering Requirements \n\nUnderstand how to identify and collect the information and documents needed to complete filings in NMLS.\n\nBefore completing a filing in NMLS, users should first determine what filings are required, and understand the documentation and information that must be submitted. Because licensing requirements vary by state and business activity, gathering this information in advance ensures a smoother application process.\n\nUse the following resources to guide your preparation:\n\n-   Figuring Out Which Licenses or Registrations You Need\n-   Using the License Requirements and Fees Chart\n-   Using the Checklist Compiler\n\n-   **Figuring Out Which Licenses or Registrations You Need**  \nReview and analyze your business activities and use NMLS resources to determine which licenses or registrations are required before starting a filing.\n-   **Using the License Requirements and Fees Chart**  \nThis is a companion document to the License Requirements and Fees Chart to help you filter the chart based on your entity type and goal within NMLS: applying for a new license, amending your record, or complying with periodic reporting requirements.\n-   **Using the Checklist Compiler**  \nUse the Checklist Compiler on the NMLS Resource Center to find and export state licensing checklists that outline what requirements you must complete for an NMLS filing \\(including tasks inside and outside NMLS\\).\n\n**Parent topic:**Maintaining Your Company License",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_appReqs_gathering-1_3.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_appReqs_gathering-1_3.md",
      "headings": [
        "Gathering Requirements {#licComp_appReqs_gathering .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_appReqs_gathering-1_3.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_appReqs_gathering-1_4.md:chunk-0",
      "title": "Gathering Requirements {#licComp_appReqs_gathering .concept}",
      "content": "# Gathering Requirements \n\nUnderstand how to identify and collect the information and documents needed to complete filings in NMLS.\n\nBefore completing a filing in NMLS, users should first determine what filings are required, and understand the documentation and information that must be submitted. Because licensing requirements vary by state and business activity, gathering this information in advance ensures a smoother application process.\n\nUse the following resources to guide your preparation:\n\n-   Figuring Out Which Licenses or Registrations You Need\n-   Using the License Requirements and Fees Chart\n-   Using the Checklist Compiler\n\n-   **Figuring Out Which Licenses or Registrations You Need**  \nReview and analyze your business activities and use NMLS resources to determine which licenses or registrations are required before starting a filing.\n-   **Using the License Requirements and Fees Chart**  \nThis is a companion document to the License Requirements and Fees Chart to help you filter the chart based on your entity type and goal within NMLS: applying for a new license, amending your record, or complying with periodic reporting requirements.\n-   **Using the Checklist Compiler**  \nUse the Checklist Compiler on the NMLS Resource Center to find and export state licensing checklists that outline what requirements you must complete for an NMLS filing \\(including tasks inside and outside NMLS\\).\n\n**Parent topic:**Before You Apply",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_appReqs_gathering-1_4.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_appReqs_gathering-1_4.md",
      "headings": [
        "Gathering Requirements {#licComp_appReqs_gathering .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_appReqs_gathering-1_4.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_appReqs_gathering-1_5.md:chunk-0",
      "title": "Gathering Requirements {#licComp_appReqs_gathering .concept}",
      "content": "# Gathering Requirements \n\nUnderstand how to identify and collect the information and documents needed to complete filings in NMLS.\n\nBefore completing a filing in NMLS, users should first determine what filings are required, and understand the documentation and information that must be submitted. Because licensing requirements vary by state and business activity, gathering this information in advance ensures a smoother application process.\n\nUse the following resources to guide your preparation:\n\n-   Figuring Out Which Licenses or Registrations You Need\n-   Using the License Requirements and Fees Chart\n-   Using the Checklist Compiler\n\n-   **Figuring Out Which Licenses or Registrations You Need**  \nReview and analyze your business activities and use NMLS resources to determine which licenses or registrations are required before starting a filing.\n-   **Using the License Requirements and Fees Chart**  \nThis is a companion document to the License Requirements and Fees Chart to help you filter the chart based on your entity type and goal within NMLS: applying for a new license, amending your record, or complying with periodic reporting requirements.\n-   **Using the Checklist Compiler**  \nUse the Checklist Compiler on the NMLS Resource Center to find and export state licensing checklists that outline what requirements you must complete for an NMLS filing \\(including tasks inside and outside NMLS\\).\n\n**Parent topic:**Requesting Additional Individual Licenses",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_appReqs_gathering-1_5.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_appReqs_gathering-1_5.md",
      "headings": [
        "Gathering Requirements {#licComp_appReqs_gathering .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_appReqs_gathering-1_5.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_appReqs_gathering-1_6.md:chunk-0",
      "title": "Gathering Requirements {#licComp_appReqs_gathering .concept}",
      "content": "# Gathering Requirements \n\nUnderstand how to identify and collect the information and documents needed to complete filings in NMLS.\n\nBefore completing a filing in NMLS, users should first determine what filings are required, and understand the documentation and information that must be submitted. Because licensing requirements vary by state and business activity, gathering this information in advance ensures a smoother application process.\n\nUse the following resources to guide your preparation:\n\n-   Figuring Out Which Licenses or Registrations You Need\n-   Using the License Requirements and Fees Chart\n-   Using the Checklist Compiler\n\n-   **Using the License Requirements and Fees Chart**  \nThis is a companion document to the License Requirements and Fees Chart to help you filter the chart based on your entity type and goal within NMLS: applying for a new license, amending your record, or complying with periodic reporting requirements.\n-   **Using the Checklist Compiler**  \nUse the Checklist Compiler on the NMLS Resource Center to find and export state licensing checklists that outline what requirements you must complete for an NMLS filing \\(including tasks inside and outside NMLS\\).\n\n**Parent topic:**Maintaining Individual Licenses or Registrations",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_appReqs_gathering-1_6.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_appReqs_gathering-1_6.md",
      "headings": [
        "Gathering Requirements {#licComp_appReqs_gathering .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_appReqs_gathering-1_6.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_appReqs_gathering.md:chunk-0",
      "title": "Gathering Requirements {#licComp_appReqs_gathering .concept}",
      "content": "# Gathering Requirements \n\nUnderstand how to identify and collect the information and documents needed to complete filings in NMLS.\n\nBefore completing a filing in NMLS, users should first determine what filings are required, and understand the documentation and information that must be submitted. Because licensing requirements vary by state and business activity, gathering this information in advance ensures a smoother application process.\n\nUse the following resources to guide your preparation:\n\n-   Figuring Out Which Licenses or Registrations You Need\n-   Using the License Requirements and Fees Chart\n-   Using the Checklist Compiler",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_appReqs_gathering.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_appReqs_gathering.md",
      "headings": [
        "Gathering Requirements {#licComp_appReqs_gathering .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_appReqs_gathering.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_appStatusCompDash_determining.md:chunk-0",
      "title": "Using the Company Dashboard to Determine Application Status {#licComp_appStatusCompDash_determining .task}",
      "content": "# Using the Company Dashboard to Determine Application Status \n\nLearn how to use the Company Dashboard in NMLS to track your company’s license application status and outstanding filing items.\n\nThe Company Dashboard provides a consolidated view of your company’s license records and application progress in NMLS. You can use it to track pending filings, outstanding license items, and real-time license statuses. Data in this dashboard is refreshed every two hours.\n\nThe dashboard is especially useful after submitting a Company \\(MU1\\) filing, as it highlights items that require attention to move the application forward.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  The Company Dashboard is displayed in the Home tab. In the **Licenses** section, locate your company’s approved or pending license applications.\n\n4.  Check for any **Active License Items** associated with the application. These may include conditions or documentation requested by regulators.\n\n5.  Scroll to the **Pending Filings** section to confirm whether the Company \\(MU1\\) filing is awaiting attestation or submission.\n\n6.  Follow up on any filings marked **Attestation Requested** or **Submission Required** to complete the process.\n\n7.  Use the **Updated in Last 7 Days** view in the **Active License Items** section to prioritize recent updates.\n\n8.  To understand what each status means, refer to the License Status Definitions.\n\n**Parent topic:**Determining Application Status",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_appStatusCompDash_determining.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_appStatusCompDash_determining.md",
      "headings": [
        "Using the Company Dashboard to Determine Application Status {#licComp_appStatusCompDash_determining .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_appStatusCompDash_determining.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_appStatusCompDash_determining_2.md:chunk-0",
      "title": "Using the Company Dashboard to Determine Application Status {#licComp_appStatusCompDash_determining .task}",
      "content": "# Using the Company Dashboard to Determine Application Status \n\nLearn how to use the Company Dashboard in NMLS to track your company’s license application status and outstanding filing items.\n\nThe Company Dashboard provides a consolidated view of your company’s license records and application progress in NMLS. You can use it to track pending filings, outstanding license items, and real-time license statuses. Data in this dashboard is refreshed every two hours.\n\nThe dashboard is especially useful after submitting a Company \\(MU1\\) filing, as it highlights items that require attention to move the application forward.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  The Company Dashboard is displayed in the Home tab. In the **Licenses** section, locate your company’s approved or pending license applications.\n\n4.  Check for any **Active License Items** associated with the application. These may include conditions or documentation requested by regulators.\n\n5.  Scroll to the **Pending Filings** section to confirm whether the Company \\(MU1\\) filing is awaiting attestation or submission.\n\n6.  Follow up on any filings marked **Attestation Requested** or **Submission Required** to complete the process.\n\n7.  Use the **Updated in Last 7 Days** view in the **Active License Items** section to prioritize recent updates.\n\n8.  To understand what each status means, refer to the License Status Definitions.\n\n**Parent topic:**Determining Application Status",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_appStatusCompDash_determining_2.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_appStatusCompDash_determining_2.md",
      "headings": [
        "Using the Company Dashboard to Determine Application Status {#licComp_appStatusCompDash_determining .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_appStatusCompDash_determining_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_appStatusCompositeView_determining.md:chunk-0",
      "title": "Using Composite View to Determine Application Status {#licComp_usingCompositeViewToDetermineApplicationStatus .task}",
      "content": "# Using Composite View to Determine Application Status \n\nLearn how to use Composite View in NMLS to monitor and review the status of your company’s license application across multiple jurisdictions.\n\nThe Composite View feature in NMLS allows you to track your company’s license applications and understand regulator updates across multiple jurisdictions. After submitting a Company \\(MU1\\) filing, you can use Composite View to:\n\n-   Check the current status of each license application.\n-   Review status history and regulator comments.\n-   Access license items and associated requirements placed by regulators.\n\nThis view consolidates status updates, external notes from regulators, and pending license items in one location, helping you identify any actions needed to move a license to approval.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Go to the **Composite View** tab and select **View Company**.\n\n    The State License/Registration List displays a summary of your company’s license applications, statuses, and license items.\n\n4.  Review the **Status** column to see the current status of each license application.\n\n    **Note:** Refer to the License Status Definitions to understand license statuses and suggested next steps.\n\n5.  Click a license name under the **License Name** column to view the **Status History**.\n\n    **Note:** Status history provides a timeline of changes made by regulators, including any external notes with instructions or comments.\n\n6.  In the **License Items** column, click the linked number to view outstanding items associated with that license.\n\n    **Note:** Each license item may include regulator-provided details, external notes, and instructions on documents or actions required.\n\n7.  Address any outstanding license items promptly to keep your application on track for approval.\n\nCommon post-submission statuses include:\n\n-   **Pending Review:** Your application is under review by a regulator.\n-   **A",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_appStatusCompositeView_determining.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_appStatusCompositeView_determining.md",
      "headings": [
        "Using Composite View to Determine Application Status {#licComp_usingCompositeViewToDetermineApplicationStatus .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_appStatusCompositeView_determining.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_appStatusCompositeView_determining.md:chunk-1",
      "title": "Using Composite View to Determine Application Status {#licComp_usingCompositeViewToDetermineApplicationStatus .task}",
      "content": "nding license items promptly to keep your application on track for approval.\n\nCommon post-submission statuses include:\n\n-   **Pending Review:** Your application is under review by a regulator.\n-   **Approved-Deficient:** Your license is approved but has conditions that must be met.\n-   **Incomplete:** Missing information or unresolved deficiencies require attention before processing continues.\n\nRefer to the License Status Definitions for detailed definitions and next steps for all license statuses.\n\n**Parent topic:**Determining Application Status",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_appStatusCompositeView_determining.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_appStatusCompositeView_determining.md",
      "headings": [
        "Using Composite View to Determine Application Status {#licComp_usingCompositeViewToDetermineApplicationStatus .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_appStatusCompositeView_determining.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_appStatusCompositeView_determining_2.md:chunk-0",
      "title": "Using Composite View to Determine Application Status {#licComp_usingCompositeViewToDetermineApplicationStatus .task}",
      "content": "# Using Composite View to Determine Application Status \n\nLearn how to use Composite View in NMLS to monitor and review the status of your company’s license application across multiple jurisdictions.\n\nThe Composite View feature in NMLS allows you to track your company’s license applications and understand regulator updates across multiple jurisdictions. After submitting a Company \\(MU1\\) filing, you can use Composite View to:\n\n-   Check the current status of each license application.\n-   Review status history and regulator comments.\n-   Access license items and associated requirements placed by regulators.\n\nThis view consolidates status updates, external notes from regulators, and pending license items in one location, helping you identify any actions needed to move a license to approval.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Go to the **Composite View** tab and select **View Company**.\n\n    The State License/Registration List displays a summary of your company’s license applications, statuses, and license items.\n\n4.  Review the **Status** column to see the current status of each license application.\n\n    **Note:** Refer to the License Status Definitions to understand license statuses and suggested next steps.\n\n5.  Click a license name under the **License Name** column to view the **Status History**.\n\n    **Note:** Status history provides a timeline of changes made by regulators, including any external notes with instructions or comments.\n\n6.  In the **License Items** column, click the linked number to view outstanding items associated with that license.\n\n    **Note:** Each license item may include regulator-provided details, external notes, and instructions on documents or actions required.\n\n7.  Address any outstanding license items promptly to keep your application on track for approval.\n\nCommon post-submission statuses include:\n\n-   **Pending Review:** Your application is under review by a regulator.\n-   **A",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_appStatusCompositeView_determining_2.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_appStatusCompositeView_determining_2.md",
      "headings": [
        "Using Composite View to Determine Application Status {#licComp_usingCompositeViewToDetermineApplicationStatus .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_appStatusCompositeView_determining_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_appStatusCompositeView_determining_2.md:chunk-1",
      "title": "Using Composite View to Determine Application Status {#licComp_usingCompositeViewToDetermineApplicationStatus .task}",
      "content": "nding license items promptly to keep your application on track for approval.\n\nCommon post-submission statuses include:\n\n-   **Pending Review:** Your application is under review by a regulator.\n-   **Approved-Deficient:** Your license is approved but has conditions that must be met.\n-   **Incomplete:** Missing information or unresolved deficiencies require attention before processing continues.\n\nRefer to the License Status Definitions for detailed definitions and next steps for all license statuses.\n\n**Parent topic:**Determining Application Status",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_appStatusCompositeView_determining_2.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_appStatusCompositeView_determining_2.md",
      "headings": [
        "Using Composite View to Determine Application Status {#licComp_usingCompositeViewToDetermineApplicationStatus .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_appStatusCompositeView_determining_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_appStatus_determining.md:chunk-0",
      "title": "Determining Application Status {#licComp_determiningApplicationStatus .concept}",
      "content": "# Determining Application Status \n\nLearn how to determine your company’s application status using the Composite View and Company Dashboard in NMLS for easy tracking and management.\n\nYou can monitor the status of your company’s license application directly in NMLS. The system provides real-time updates on your application’s progress and any regulator actions required. The two main areas for checking application status are the Company Dashboard and Composite View.\n\nThese features help you:\n\n-   Track whether your filing is submitted, pending review, or approved.\n-   Identify deficiencies or additional requests from regulators.\n-   Access status details across multiple licenses in one place.\n\nFor detailed guidance on using these tools, refer to:\n\n-   Using the Company Dashboard to Determine Application Status\n-   Using Composite View to Determine Application Status\n-   License Status Definitions\n\n-   **Using the Company Dashboard to Determine Application Status**  \nLearn how to use the Company Dashboard in NMLS to track your company’s license application status and outstanding filing items.\n-   **Using Composite View to Determine Application Status**  \nLearn how to use Composite View in NMLS to monitor and review the status of your company’s license application across multiple jurisdictions.\n\n**Parent topic:**Chapter II—NMLS Company Form \\(MU1\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_appStatus_determining.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_appStatus_determining.md",
      "headings": [
        "Determining Application Status {#licComp_determiningApplicationStatus .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_appStatus_determining.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_appStatus_determining_2.md:chunk-0",
      "title": "Determining Application Status {#licComp_determiningApplicationStatus .concept}",
      "content": "# Determining Application Status \n\nLearn how to determine your company’s application status using the Composite View and Company Dashboard in NMLS for easy tracking and management.\n\nYou can monitor the status of your company’s license application directly in NMLS. The system provides real-time updates on your application’s progress and any regulator actions required. The two main areas for checking application status are the Company Dashboard and Composite View.\n\nThese features help you:\n\n-   Track whether your filing is submitted, pending review, or approved.\n-   Identify deficiencies or additional requests from regulators.\n-   Access status details across multiple licenses in one place.\n\nFor detailed guidance on using these tools, refer to:\n\n-   Using the Company Dashboard to Determine Application Status\n-   Using Composite View to Determine Application Status\n-   License Status Definitions\n\n-   **Using the Company Dashboard to Determine Application Status**  \nLearn how to use the Company Dashboard in NMLS to track your company’s license application status and outstanding filing items.\n-   **Using Composite View to Determine Application Status**  \nLearn how to use Composite View in NMLS to monitor and review the status of your company’s license application across multiple jurisdictions.\n\n**Parent topic:**Filing the Initial Branch MU3 Form for a New Application",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_appStatus_determining_2.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_appStatus_determining_2.md",
      "headings": [
        "Determining Application Status {#licComp_determiningApplicationStatus .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_appStatus_determining_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_beforeYouApply.md:chunk-0",
      "title": "Before You Apply for a State License {#licComp_beforeYouApply .concept}",
      "content": "# Before You Apply for a State License \n\nLearn what steps to take before applying for a state license in NMLS, including creating an account and gathering the required information and documents for your MU forms.\n\nBefore submitting a Company \\(MU1\\) filing in NMLS, companies should prepare by completing several key steps. These actions help ensure a smooth application process and reduce delays caused by missing information or account setup issues.\n\nPreparation activities include:\n\n-   Ensuring your company’s NMLS account is properly established and administered.\n-   Gathering required information and supporting documents needed to complete the MU1 and related MU2 forms.\n-   Reviewing state-specific licensing requirements and fees using the License Requirements and Fees Chart.\n-   Using the State Licensing Checklist Compiler to access state checklists and confirm documentation requirements.\n\nFor more information, see:\n\n-   Account Administration\n-   Gathering Requirements\n\n-   **Gathering Requirements**  \nUnderstand how to identify and collect the information and documents needed to complete filings in NMLS.\n\n**NMLS Help**  \n\nAccount Administration\n\nChoosing Your Account Adminitstrators\n\nNMLS Two-Factor Authentication\n\nRequest an Individual Account\n\nNMLS Account Recovery\n\nManaging NMLS User Profiles\n\n**NMLS Resource Center**  \n\nState Licensing Checklist Compiler\n\nState Renewals Checklist Compiler\n\nNMLS Resource Center Home\n\nNMLS Call Center",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_beforeYouApply.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_beforeYouApply.md",
      "headings": [
        "Before You Apply for a State License {#licComp_beforeYouApply .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_beforeYouApply.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_branch_MU3newApp_completing.md:chunk-0",
      "title": "Completing the Branch MU3 New Application Filing {#licComp_branch_completingTheBranchMu3NewApplicationFiling .concept}",
      "content": "# Completing the Branch MU3 New Application Filing \n\nUnderstand the overall process for completing and submitting a Branch \\(MU3\\) filing in NMLS.\n\nA Branch \\(MU3\\) filing must be completed in NMLS for each branch location where your company conducts licensable activities. The filing collects branch identifying information, the designated Branch Manager, books and records location\\(s\\), and any approvals, designations, or disclosures required by regulators. Once all sections are complete, the filing must be attested and submitted, and jurisdiction-specific checklists provided to each applicable state regulator.\n\nThe following topics provide detailed, step-by-step instructions for completing each part of the MU3 filing:\n\n-   Selecting Relevant Business Activities\n-   Requesting a Branch License or Transition\n-   Adding Other Trade Names\n-   Identifying Branch Managers\n-   Providing Books and Records Information\n-   Providing Operation Information\n-   Providing Expense Information\n-   Managing MU2 Forms for Branch Managers on the Branch MU3 Form\n-   Attesting to a Branch New Application Filing\n-   Paying for a Branch MU3 New Application Filing\n\nFor authoritative definitions and requirements, see the NMLS Policy Guide.\n\n-   **Business Activities**  \nApplicants and licensees should indicate all business activities the branch engages in, regardless of whether those activities are undertaken in a state in which they are applying for a license or whether the state manages certain license types in NMLS.\n-   **Request a License**  \nThe Request/Transition License\\(s\\) screen identifies the license / registration types available based on the business activities and states selected.\n-   **Other Trade Names**  \nOther Trade Names must be completed for all the other names the company will be using at this branch location.\n-   **Identifying Branch Managers**  \nIdentify and maintain the Branch Manager for each licensed branch in the MU3 filing. Each Branch Manager must have an indiv",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_branch_MU3newApp_completing.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_branch_MU3newApp_completing.md",
      "headings": [
        "Completing the Branch MU3 New Application Filing {#licComp_branch_completingTheBranchMu3NewApplicationFiling .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_branch_MU3newApp_completing.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_branch_MU3newApp_completing.md:chunk-1",
      "title": "Completing the Branch MU3 New Application Filing {#licComp_branch_completingTheBranchMu3NewApplicationFiling .concept}",
      "content": "will be using at this branch location.\n-   **Identifying Branch Managers**  \nIdentify and maintain the Branch Manager for each licensed branch in the MU3 filing. Each Branch Manager must have an individual NMLS account and complete an Individual \\(MU2\\) Form.\n-   **Web Addresses\\***  \nA Web Address is optional in NMLS. If a web address is provided, applicants must indicate if the company is accepting applications or transacting business through the website.\n-   **Books and Records Information**  \nApplicants and licensees must list the company name and address of the location where books and records are stored. They must also list the name of the individual at this location that should be contacted with inquiries about or to gain access to the books and records.\n-   **Operation Information**  \nConsult state licensing requirements if a **Yes** answer to any of these questions requires the submission of items outside the system.\n-   **Expense Information**  \nIf you answered **Yes** to the fourth question on the previous screen \\[**Other than the entity, is anyone responsible for the expenses or have a financial interest in the activities of this branch?**\\], you must provide information about the entity here.\n-   **Advance Change Notice \\(ACN\\)**  \nNMLS allows state licensees to submit certain changes to their NMLS Record in advance of the desired effective date. This functionality permits state regulators to electronically process future NMLS Record amendments and reduces the forms and filings submitted outside the system.\n-   **Document Uploads**  \nThe Document Uploads section allows individuals to upload and submit PDF documents to regulators.\n-   **Historical Filings**  \nThe Historical Filings section under the Filing tab contains copies of previously submitted Branch filings.\n-   **MU2 Form**  \nThe system requires an Individual Form \\(MU2\\) to be completed for each Branch Manager.\n-   **Attest and Submit**  \nThe **Attest and Submit** button for the MU3 Branch Form",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_branch_MU3newApp_completing.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_branch_MU3newApp_completing.md",
      "headings": [
        "Completing the Branch MU3 New Application Filing {#licComp_branch_completingTheBranchMu3NewApplicationFiling .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_branch_MU3newApp_completing.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_branch_MU3newApp_completing.md:chunk-2",
      "title": "Completing the Branch MU3 New Application Filing {#licComp_branch_completingTheBranchMu3NewApplicationFiling .concept}",
      "content": "filings.\n-   **MU2 Form**  \nThe system requires an Individual Form \\(MU2\\) to be completed for each Branch Manager.\n-   **Attest and Submit**  \nThe **Attest and Submit** button for the MU3 Branch Form will only appear if the Company Form \\(MU1\\) passes all completeness checks, including Individual Form \\(MU2\\) attestations.\n-   **Paying for a Branch MU3 New Application Filing**  \nComplete the one-time payment steps to submit your MU3 new application filing after attesting and submitting in NMLS.\n\n**Parent topic:**Filing the Initial Branch MU3 Form for a New Application",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_branch_MU3newApp_completing.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_branch_MU3newApp_completing.md",
      "headings": [
        "Completing the Branch MU3 New Application Filing {#licComp_branch_completingTheBranchMu3NewApplicationFiling .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_branch_MU3newApp_completing.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_branch_MU3newApp_creating.md:chunk-0",
      "title": "Creating a Branch MU3 New Application Filing {#licComp_branch_creatingABranchMu3NewApplicationFiling .task}",
      "content": "# Creating a Branch MU3 New Application Filing \n\nCreate a new Branch \\(MU3\\) filing in NMLS to begin the application process for a specific branch location.\n\nUse these steps to create the initial Branch \\(MU3\\) filing in NMLS. Once the filing is created, you can proceed to complete each section of the MU3 Form.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Select **Filing** > **Branch \\(MU3\\)** from the menu.\n\n    The Branch Filing screen is displayed.\n\n4.  Select **Create New Filing**.\n\n    The Branch Search screen is displayed.\n\n5.  Enter search criteria and select **Search**.\n\n    The Branch Search Results screen is displayed.\n\n6.  Select the desired **Branch ID** hyperlink.\n\n    **Note:** If the branch record does not yet exist, select **Create Branch** to create it before starting the MU3 filing.\n\n    The Branch Form \\(MU3\\) opens, beginning on the Business Activities screen.\n\n**Parent topic:**Filing the Initial Branch MU3 Form for a New Application",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_branch_MU3newApp_creating.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_branch_MU3newApp_creating.md",
      "headings": [
        "Creating a Branch MU3 New Application Filing {#licComp_branch_creatingABranchMu3NewApplicationFiling .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_branch_MU3newApp_creating.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_branch_MU3newApp_paying.md:chunk-0",
      "title": "Paying for a Branch MU3 New Application Filing {#task_yf5_qrz_rgc .task}",
      "content": "# Paying for a Branch MU3 New Application Filing \n\nComplete the one-time payment steps to submit your MU3 new application filing after attesting and submitting in NMLS.\n\nAfter you click **Attest and Submit** for a new MU3 filing, NMLS opens the One Time Payment flow. Follow the on-screen prompts to provide payment information and finalize the filing. NMLS processing fees are non‑refundable; state agency fee refundability varies by state requirements—see State Licensing Checklist Compiler. For a general overview of fees see NMLS Processing Fees.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Select **Filing** > **Branch \\(MU3\\)** from the menu.\n\n    The Branch Filing screen is displayed.\n\n4.  Select **Create New Filing**.\n\n    The Branch Search screen is displayed.\n\n5.  Enter search criteria and select **Search**.\n\n    The Branch Search Results screen is displayed.\n\n6.  Select the desired **Branch ID** hyperlink.\n\n    **Note:** If the branch record does not yet exist, select **Create Branch** to create it before starting the MU3 filing.\n\n    The Branch Form \\(MU3\\) opens, beginning on the Business Activities screen.\n\n7.  Review the invoice details.\n\n    **Note:** The page displays **Payment Amount**, **Payment Date**, and **User ID**.\n\n8.  Select a **Payment Type**.\n\n    -   **Bank Account \\(ACH\\)**\n    -   **Credit Card** \\(a service fee may apply\\)\n    **Note:** Debit cards are not accepted as debit; cards with a Visa or MasterCard logo may be processed as credit.\n\n9.  If paying by bank account \\(ACH\\), enter the required bank information.\n\n    1.  Select **Account Type** \\(for example, **Checking**\\).\n\n    2.  Enter the **ABA Routing \\#** and **Bank Account \\#**.\n\n    3.  Enter the **Bank Account Holder’s Full Name**.\n\n    4.  \\(Optional\\) Enter a **Saved Bank Account Name** and select **Save this payment information for future payments** if desired.\n\n    **Note:** Ensure the account has sufficient funds and, if requ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_branch_MU3newApp_paying.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_branch_MU3newApp_paying.md",
      "headings": [
        "Paying for a Branch MU3 New Application Filing {#task_yf5_qrz_rgc .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_branch_MU3newApp_paying.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_branch_MU3newApp_paying.md:chunk-1",
      "title": "Paying for a Branch MU3 New Application Filing {#task_yf5_qrz_rgc .task}",
      "content": "   4.  \\(Optional\\) Enter a **Saved Bank Account Name** and select **Save this payment information for future payments** if desired.\n\n    **Note:** Ensure the account has sufficient funds and, if required by your institution, is pre‑authorized for ACH transactions to avoid returned payments.\n\n10. If paying by credit card, enter the required card and billing information on screen.\n\n    **Note:** Only major credit cards supported by NMLS are accepted. A service fee may apply.\n\n11. Click **Next** to proceed.\n\n    **Note:** The payment flow includes three steps. After data entry \\(Step 1\\), review and confirm \\(Step 2\\), then submit payment \\(Step 3\\).\n\n12. On the review step, verify the payment details and confirm.\n\n13. On the final step, submit the payment.\n\n    **Note:** After successful payment, the filing becomes viewable to the regulator\\(s\\). Use **Cancel Payment** to stop if you are not ready to proceed.\n\n**Parent topic:**Completing the Branch MU3 New Application Filing",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_branch_MU3newApp_paying.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_branch_MU3newApp_paying.md",
      "headings": [
        "Paying for a Branch MU3 New Application Filing {#task_yf5_qrz_rgc .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_branch_MU3newApp_paying.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_branch_appliationReqs_gathering.md:chunk-0",
      "title": "Gathering Application Requirements {#licComp_branch_gatheringApplicationRequirements .concept}",
      "content": "# Gathering Application Requirements \n\n1.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_branch_appliationReqs_gathering.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_branch_appliationReqs_gathering.md",
      "headings": [
        "Gathering Application Requirements {#licComp_branch_gatheringApplicationRequirements .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_branch_appliationReqs_gathering.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_branch_applyLicReg_preparing.md:chunk-0",
      "title": "Preparing to Apply for Branch Licenses or Registrations {#licComp_branch_preparingToApplyForBranchLicensesOrRegistrations .concept}",
      "content": "# Preparing to Apply for Branch Licenses or Registrations \n\nBefore filing a Branch \\(MU3\\) application, gather the state-specific requirements your company must meet.\n\nSee Gathering Application Requirements for more information.\n\n-   **Gathering Requirements**  \nUnderstand how to identify and collect the information and documents needed to complete filings in NMLS.\n\n**Parent topic:**Branch Licensing or Registration",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_branch_applyLicReg_preparing.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_branch_applyLicReg_preparing.md",
      "headings": [
        "Preparing to Apply for Branch Licenses or Registrations {#licComp_branch_preparingToApplyForBranchLicensesOrRegistrations .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_branch_applyLicReg_preparing.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_branch_bizActivity_selecting.md:chunk-0",
      "title": "Selecting Relevant Business Activities {#licComp_branch_selectingRelevantBusinessActivities .task}",
      "content": "# Selecting Relevant Business Activities \n\nChoose the business activities that accurately reflect the services your company provides to ensure proper license application and regulatory oversight.\n\nDuring the Company MU3 filing process, you must identify the business activities the branch conducts or intends to conduct. The selected business activities in this section will allow the system to provide you with a list of licenses for which you may apply. Carefully reviewing and selecting the relevant activities is essential for accurate application processing.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Select **Filing** > **Branch \\(MU3\\)** from the menu.\n\n    The Branch Filing screen is displayed.\n\n4.  Select **Create New Filing**.\n\n    The Branch Search screen is displayed.\n\n5.  Enter search criteria and select **Search**.\n\n    The Branch Search Results screen is displayed.\n\n6.  Select the desired **Branch ID** hyperlink.\n\n    **Note:** If the branch record does not yet exist, select **Create Branch** to create it before starting the MU3 filing.\n\n    The Branch Form \\(MU3\\) opens, beginning on the Business Activities screen.\n\n7.  Click **Add Activity** to identify the business activities conducted by your company regardless of the type of license for which you are applying.\n\n8.  Select the appropriate states in which you conduct any of the selected activities.\n\n9.  Click **Next**.\n\n10. Associate specific activities to the applicable states.\n\n11. Click **Next**.\n\n12. Confirm your selections.\n\n13. Click **Request License**.\n\n**Parent topic:**Business Activities",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_branch_bizActivity_selecting.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_branch_bizActivity_selecting.md",
      "headings": [
        "Selecting Relevant Business Activities {#licComp_branch_selectingRelevantBusinessActivities .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_branch_bizActivity_selecting.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_branch_booksRecordsInfo_providing.md:chunk-0",
      "title": "Providing Books and Records Information {#licComp_branch_providingBooksAndRecordsInformation .task}",
      "content": "# Providing Books and Records Information \n\nList the location\\(s\\) where the company’s books and records are stored, along with contact details and related information, in the MU1 filing.\n\nUse the Books and Records section of the Branch \\(MU3\\) Form to identify the location\\(s\\) where the branch's books and records are stored, and the contact person\\(s\\) at those locations. Multiple custodians may be listed, with each assigned by industry type\\(s\\) and state\\(s\\). Use the **Comments** field to describe the types of records maintained at the location. Check the State Licensing Checklist Compiler for any state-specific requirements. For authoritative definitions and requirements, see the NMLS Policy Guide.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Select **Filing** > **Branch \\(MU3\\)** from the menu.\n\n    The Branch Filing screen is displayed.\n\n4.  Select **Create New Filing**.\n\n    The Branch Search screen is displayed.\n\n5.  Enter search criteria and select **Search**.\n\n    The Branch Search Results screen is displayed.\n\n6.  Select the desired **Branch ID** hyperlink.\n\n    **Note:** If the branch record does not yet exist, select **Create Branch** to create it before starting the MU3 filing.\n\n    The Branch Form \\(MU3\\) opens, beginning on the Business Activities screen.\n\n7.  Open the Books and Records section.\n\n8.  Select **Add**.\n\n9.  Complete all required fields, including company name, address, and contact person details.\n\n10. Select the applicable **Industry Type\\(s\\)** and **State\\(s\\)**.\n\n11. Enter details in the **Comments** field to describe the types of records maintained at the location.\n\n12. Select **Save**.\n\n13. Repeat to add additional Books and Records locations as needed.\n\n    **Note:** To update or remove an existing record custodian, select the **Edit** icon and make changes, or delete the record.\n\n**Parent topic:**Books and Records Information",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_branch_booksRecordsInfo_providing.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_branch_booksRecordsInfo_providing.md",
      "headings": [
        "Providing Books and Records Information {#licComp_branch_providingBooksAndRecordsInformation .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_branch_booksRecordsInfo_providing.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_branch_branchMgrMU2formOnMU3_managing.md:chunk-0",
      "title": "Managing MU2 Forms for Branch Managers on the Branch MU3 Form {#licComp_branch_managingMu2FormsForBranchManagersOnTheBranchMu3Form .task}",
      "content": "# Managing MU2 Forms for Branch Managers on the Branch MU3 Form \n\nLearn how to manage MU2 forms for company representatives by linking and updating their information within your company’s MU1 form in NMLS.\n\nBranch managers identified in a Branch \\(MU3\\) filing must have an associated MU2 Individual Form. This form can be managed from within the MU3 filing in NMLS.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Select **Filing** > **Branch \\(MU3\\)** from the menu.\n\n    The Branch Filing screen is displayed.\n\n4.  Select **Create New Filing**.\n\n    The Branch Search screen is displayed.\n\n5.  Enter search criteria and select **Search**.\n\n    The Branch Search Results screen is displayed.\n\n6.  Select the desired **Branch ID** hyperlink.\n\n    **Note:** If the branch record does not yet exist, select **Create Branch** to create it before starting the MU3 filing.\n\n    The Branch Form \\(MU3\\) opens, beginning on the Business Activities screen.\n\n7.  Select **MU2 Forms** from the left navigation panel.\n\nSee Managing Individual MU2 Filings \\(Company\\) for further instructions.\n\n**Parent topic:**MU2 Form",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_branch_branchMgrMU2formOnMU3_managing.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_branch_branchMgrMU2formOnMU3_managing.md",
      "headings": [
        "Managing MU2 Forms for Branch Managers on the Branch MU3 Form {#licComp_branch_managingMu2FormsForBranchManagersOnTheBranchMu3Form .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_branch_branchMgrMU2formOnMU3_managing.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_branch_branchMgr_identifying.md:chunk-0",
      "title": "Identifying Branch Managers {#licComp_branch_identifyingBranchManagers .task}",
      "content": "# Identifying Branch Managers \n\nIdentify and maintain the Branch Manager for each licensed branch in the MU3 filing. Each Branch Manager must have an individual NMLS account and complete an Individual \\(MU2\\) Form.\n\nUse the Branch Managers section of the Branch \\(MU3\\) Form to designate the individual responsible for branch operations. The Branch Manager must meet the requirements of the state\\(s\\) where the branch seeks licensure or registration. Only one Branch Manager may be identified for each industry type in a given state. For multi-industry license types, multiple Branch Managers may be required.\n\n**Important:** Each Branch Manager must have an individual NMLS account and complete an Individual \\(MU2\\) Form.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Select **Filing** > **Branch \\(MU3\\)** from the menu.\n\n    The Branch Filing screen is displayed.\n\n4.  Select **Create New Filing**.\n\n    The Branch Search screen is displayed.\n\n5.  Enter search criteria and select **Search**.\n\n    The Branch Search Results screen is displayed.\n\n6.  Select the desired **Branch ID** hyperlink.\n\n    **Note:** If the branch record does not yet exist, select **Create Branch** to create it before starting the MU3 filing.\n\n    The Branch Form \\(MU3\\) opens, beginning on the Business Activities screen.\n\n7.  Open the Branch Managers section.\n\n8.  **To add a Branch Manager:**\n\n    1.  Click **Add**.\n\n    2.  Search by **Individual ID**, **License Number**, or **First Name** and **Last Name**, then click **Search**.\n\n        **Note:** If no results are returned, click **Create Individual** and complete the required fields.\n\n    3.  Select the individual’s NMLS ID link.\n\n    4.  Select the applicable **Industry Type\\(s\\)** and **State\\(s\\)**.\n\n    5.  Click **Save**.\n\n9.  **To amend a Branch Manager’s information:**\n\n    1.  Click the **Edit** icon next to the record.\n\n    2.  Update the **Industry Type** and **State\\(s\\)** as needed.\n\n   ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_branch_branchMgr_identifying.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_branch_branchMgr_identifying.md",
      "headings": [
        "Identifying Branch Managers {#licComp_branch_identifyingBranchManagers .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_branch_branchMgr_identifying.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_branch_branchMgr_identifying.md:chunk-1",
      "title": "Identifying Branch Managers {#licComp_branch_identifyingBranchManagers .task}",
      "content": "\n    5.  Click **Save**.\n\n9.  **To amend a Branch Manager’s information:**\n\n    1.  Click the **Edit** icon next to the record.\n\n    2.  Update the **Industry Type** and **State\\(s\\)** as needed.\n\n    3.  Click **Save**.\n\n10. **To delete a Branch Manager:**\n\n    1.  Click the **Edit** icon next to the record.\n\n    2.  Click **Delete**, then confirm by clicking **OK**.\n\n        **Note:** At least one Branch Manager may be required based on the branch’s license type.\n\n-   **Branch Manager\\***  \nNMLS requires the identification of a Branch Manager. The Branch Manager must have a completed Individual Form \\(MU2\\) filed at the same time as the Branch Form \\(MU3\\).\n\n**Parent topic:**Completing the Branch MU3 New Application Filing",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_branch_branchMgr_identifying.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_branch_branchMgr_identifying.md",
      "headings": [
        "Identifying Branch Managers {#licComp_branch_identifyingBranchManagers .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_branch_branchMgr_identifying.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_branch_expenseInfo_providing.md:chunk-0",
      "title": "Providing Expense Information {#licComp_branch_providingExpenseInformation .task}",
      "content": "# Providing Expense Information \n\nProvide information about entities that are responsible for branch expenses or have a financial interest in branch activities as part of the MU3 filing.\n\nUse the Expense Information section of the Branch \\(MU3\\) Form if you answered “Yes” to the question in the Operation Information section: “Other than the entity, is anyone responsible for the expenses or have a financial interest in the activities of this branch?” This section identifies other parties who may have financial responsibility or a financial interest in branch operations.\n\n**Note:** If there is an expense-sharing agreement for shared workspace, check with the regulator for state-specific requirements.\n\n**Note:** For authoritative details, refer to the State Licensing Checklist Compiler.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Select **Filing** > **Branch \\(MU3\\)** from the menu.\n\n    The Branch Filing screen is displayed.\n\n4.  Select **Create New Filing**.\n\n    The Branch Search screen is displayed.\n\n5.  Enter search criteria and select **Search**.\n\n    The Branch Search Results screen is displayed.\n\n6.  Select the desired **Branch ID** hyperlink.\n\n    **Note:** If the branch record does not yet exist, select **Create Branch** to create it before starting the MU3 filing.\n\n    The Branch Form \\(MU3\\) opens, beginning on the Business Activities screen.\n\n7.  Open the Expense Information section.\n\n8.  Click **Add**.\n\n9.  Complete all required fields with details about the entity responsible for expenses or holding a financial interest in the branch.\n\n10. Click **Save**.\n\n    **Note:** Repeat these steps to add multiple expense records. Use the **Edit** icon to amend or delete existing records.\n\n**Parent topic:**Expense Information",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_branch_expenseInfo_providing.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_branch_expenseInfo_providing.md",
      "headings": [
        "Providing Expense Information {#licComp_branch_providingExpenseInformation .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_branch_expenseInfo_providing.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_branch_indMU2filingsForMU3_managing.md:chunk-0",
      "title": "Managing MU2 Individual Filings for Branch Licenses or Registrations {#licComp_branch_managingMu2IndividualFilingsForBranchLicensesOrRegistrations .concept}",
      "content": "# Managing MU2 Individual Filings for Branch Licenses or Registrations \n\nUnderstand the role of the Individual \\(MU2\\) Form in the branch licensing process, including requirements for attestation, credit report authorization, and state-specific obligations.\n\nThe Individual \\(MU2\\) Form collects biographical, employment, and disclosure information for individuals associated with a branch or company. These individuals must attest to their MU2 before the related Branch \\(MU3\\) Form can be filed. Each individual required to complete an MU2 must have an NMLS account.\n\nState agencies may require additional steps, such as authorization for a credit report, as part of the MU2 process. Refer to the State Licensing Checklist Compiler to confirm whether specific documentation or actions are required in the jurisdictions where you are applying for licensure.\n\nMU2 status indicators help track progress:\n\n-   **Request Attestation** — The MU2 has been sent to the individual for completion.\n-   **Attestation Required** — The individual must complete the attestation.\n-   **Submission Required** — The individual has attested, and the MU2 must be submitted.\n\nSome states require biographical information from individuals who may not meet the Control Person definition. In such cases, applicants may need to submit an MU2 for additional individuals as directed by state regulators. Companies must also update the roster of control persons on the Company \\(MU1\\) Form as needed.\n\nSee the Managing Individual MU2 Filings \\(Company\\) section for steps on how to manage the MU2 filings for your branch managers.\n\n**Parent topic:**Filing the Initial Branch MU3 Form for a New Application",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_branch_indMU2filingsForMU3_managing.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_branch_indMU2filingsForMU3_managing.md",
      "headings": [
        "Managing MU2 Individual Filings for Branch Licenses or Registrations {#licComp_branch_managingMu2IndividualFilingsForBranchLicensesOrRegistrations .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_branch_indMU2filingsForMU3_managing.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_branch_initialMU3newApp_filing.md:chunk-0",
      "title": "Filing the Initial Branch MU3 Form for a New Application {#licComp_branch_filingTheInitialBranchMu3FormForANewApplication .concept}",
      "content": "# Filing the Initial Branch MU3 Form for a New Application \n\nUse this section as a guide for completing and submitting the initial Branch \\(MU3\\) Form when applying for a new branch license or registration in NMLS.\n\nThe following topics explain how to complete each section of the Branch \\(MU3\\) Form for a new application, from entering branch details to attesting and submitting the filing.\n\n-   Creating a Branch MU3 New Application Filing\n-   Completing the Branch MU3 New Application Filing\n-   Managing MU2 Forms for Branch Managers on the Branch MU3 Form\n-   Attesting to a Branch New Application Filing\n-   Paying for a Branch MU3 New Application Filing\n\nFor authoritative definitions and requirements, see the NMLS Policy Guide.\n\n-   **Creating a Branch MU3 New Application Filing**  \nCreate a new Branch \\(MU3\\) filing in NMLS to begin the application process for a specific branch location.\n-   **Completing the Branch MU3 New Application Filing**  \nUnderstand the overall process for completing and submitting a Branch \\(MU3\\) filing in NMLS.\n-   **Managing MU2 Individual Filings for Branch Licenses or Registrations**  \nUnderstand the role of the Individual \\(MU2\\) Form in the branch licensing process, including requirements for attestation, credit report authorization, and state-specific obligations.\n-   **Determining Application Status**  \nLearn how to determine your company’s application status using the Composite View and Company Dashboard in NMLS for easy tracking and management.\n\n**Parent topic:**Applying for Branch Licenses or Registrations",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_branch_initialMU3newApp_filing.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_branch_initialMU3newApp_filing.md",
      "headings": [
        "Filing the Initial Branch MU3 Form for a New Application {#licComp_branch_filingTheInitialBranchMu3FormForANewApplication .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_branch_initialMU3newApp_filing.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_branch_licReg_renew.md:chunk-0",
      "title": "Renewing Branch Licenses or Registrations {#licComp_branch_renewingBranchLicensesOrRegistrations .task}",
      "content": "# Renewing Branch Licenses or Registrations \n\nHow to renew branch licenses in NMLS.\n\nSee Renewing Company Licenses or Registrations. The process is the same for branch licenses.\n\n**Parent topic:**Branch Licensing or Registration",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_branch_licReg_renew.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_branch_licReg_renew.md",
      "headings": [
        "Renewing Branch Licenses or Registrations {#licComp_branch_renewingBranchLicensesOrRegistrations .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_branch_licReg_renew.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_branch_licReg_surrendering.md:chunk-0",
      "title": "Surrendering Branch Licenses or Registrations {#licComp_branch_surrenderingBranchLicensesOrRegistrations .task}",
      "content": "# Surrendering Branch Licenses or Registrations \n\nHow to surrender a branch license in NMLS.\n\nSee Surrendering or Withdrawing Company Licenses or Registrations. The process is the same for branch licenses.\n\n**Parent topic:**Branch Licensing or Registration",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_branch_licReg_surrendering.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_branch_licReg_surrendering.md",
      "headings": [
        "Surrendering Branch Licenses or Registrations {#licComp_branch_surrenderingBranchLicensesOrRegistrations .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_branch_licReg_surrendering.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_branch_licTransition_requesting.md:chunk-0",
      "title": "Requesting a Branch License or Transition {#licComp_branch_requestingOrTransitioningALicense .task}",
      "content": "# Requesting a Branch License or Transition \n\nLearn how to request a branch license or transition an existing license onto NMLS.\n\nBefore requesting or transitioning a license, review your agency’s requirements in the State Licensing Checklist Compiler and gather all required information and documents before starting a filing.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Select **Filing** > **Branch \\(MU3\\)** from the menu.\n\n    The Branch Filing screen is displayed.\n\n4.  Select **Create New Filing**.\n\n    The Branch Search screen is displayed.\n\n5.  Enter search criteria and select **Search**.\n\n    The Branch Search Results screen is displayed.\n\n6.  Select the desired **Branch ID** hyperlink.\n\n    **Note:** If the branch record does not yet exist, select **Create Branch** to create it before starting the MU3 filing.\n\n    The Branch Form \\(MU3\\) opens, beginning on the Business Activities screen.\n\n7.  Select the checkboxes for the licenses you want to request and click **Next**.\n\n8.  If you are transitioning an existing license onto NMLS, enter the Existing License Number provided by the licensing state agency and click **Next**.\n\n9.  Click **Continue with Filing**.\n\n    The Identifying Information screen is displayed.\n\nComplete the rest of the form, using the links in the left navigation panel.\n\n**Parent topic:**Request a License",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_branch_licTransition_requesting.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_branch_licTransition_requesting.md",
      "headings": [
        "Requesting a Branch License or Transition {#licComp_branch_requestingOrTransitioningALicense .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_branch_licTransition_requesting.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_branch_licenseOrReg_apply.md:chunk-0",
      "title": "Applying for Branch Licenses or Registrations {#licComp_branch_applyingForBranchLicensesOrRegistrations .concept}",
      "content": "# Applying for Branch Licenses or Registrations \n\nFollow the structured process in NMLS to complete and submit a Branch \\(MU3\\) filing, using the topics below for each part of the application.\n\nThis section provides guidance for preparing, completing, and submitting a Branch \\(MU3\\) Form. Each subtopic explains how to navigate and complete a specific part of the application process.\n\n-   Filing the Initial Branch MU3 Form for a New Application\n-   Completing the Branch MU3 New Application Filing\n-   Managing MU2 Individual Filings for Branch Licenses or Registrations\n-   Attesting to a Branch New Application Filing\n-   Paying for a Branch MU3 New Application Filing\n\nFor authoritative definitions and requirements, see the NMLS Policy Guide.\n\n-   **Create a Branch \\(MU3\\) Filing**  \nThe address information listed here must be for the Branch location.\n-   **Filing the Initial Branch MU3 Form for a New Application**  \nUse this section as a guide for completing and submitting the initial Branch \\(MU3\\) Form when applying for a new branch license or registration in NMLS.\n\n**Parent topic:**Branch Licensing or Registration",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_branch_licenseOrReg_apply.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_branch_licenseOrReg_apply.md",
      "headings": [
        "Applying for Branch Licenses or Registrations {#licComp_branch_applyingForBranchLicensesOrRegistrations .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_branch_licenseOrReg_apply.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_branch_licensingReg.md:chunk-0",
      "title": "Branch Licensing or Registration {#licComp_branch_branchLicensingOrRegistration .concept}",
      "content": "# Branch Licensing or Registration \n\nUnderstand the purpose and process of licensing or registering branch locations through NMLS as part of the overall company licensing framework.\n\nBranch licensing or registration ensures that a company’s branch offices are individually authorized to conduct licensed activities under the oversight of state regulators. Each branch location that engages in regulated financial services activity must have an approved license or registration tied to the Branch \\(MU3\\) Form in NMLS. Companies must first maintain a Company \\(MU1\\) filing before any branch filings can be submitted.\n\nThe Branch \\(MU3\\) Form collects branch-specific information, such as address, contact details, and business activities. A unique Branch \\(MU3\\) filing must be completed for each branch location, and only one branch record is permitted per physical address. Regulators monitor compliance with this requirement, and a branch’s authority to operate is reflected in NMLS Consumer Access.\n\nSubmitting a Branch \\(MU3\\) filing may involve the following:\n\n-   Creating a new branch record and associating business activities with the branch.\n-   Selecting the state\\(s\\) in which the branch will conduct activities and requesting the appropriate license\\(s\\) or registration\\(s\\).\n-   Completing all required branch information, including identification of the branch manager. An Individual \\(MU2\\) Form is automatically created for the branch manager and must be attested by that individual in NMLS.\n-   Mailing jurisdiction-specific checklists and supporting documentation to state agencies within required timelines, as identified on the State Licensing Checklist Compiler.\n\nA Branch \\(MU3\\) Form is not only used for new applications but also for maintaining, amending, renewing, withdrawing, or surrendering a branch license. Companies may also use it to update branch manager information. Regulators do not consider a filing complete until all required documentation submitted outsid",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_branch_licensingReg.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_branch_licensingReg.md",
      "headings": [
        "Branch Licensing or Registration {#licComp_branch_branchLicensingOrRegistration .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_branch_licensingReg.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_branch_licensingReg.md:chunk-1",
      "title": "Branch Licensing or Registration {#licComp_branch_branchLicensingOrRegistration .concept}",
      "content": "rawing, or surrendering a branch license. Companies may also use it to update branch manager information. Regulators do not consider a filing complete until all required documentation submitted outside NMLS is received.\n\nFor authoritative definitions and policy requirements related to branch licensing, see the NMLS Policy Guide.\n\n-   **General Instructions**  \nGeneral instructions for filing form MU3, including filing, main in-state branch location, and data shared to NMLS Consumer Access.\n-   **Preparing to Apply for Branch Licenses or Registrations**  \nBefore filing a Branch \\(MU3\\) application, gather the state-specific requirements your company must meet.\n-   **Applying for Branch Licenses or Registrations**  \nFollow the structured process in NMLS to complete and submit a Branch \\(MU3\\) filing, using the topics below for each part of the application.\n-   **Renewing Branch Licenses or Registrations**  \nHow to renew branch licenses in NMLS.\n-   **Surrendering Branch Licenses or Registrations**  \nHow to surrender a branch license in NMLS.\n\n**Parent topic:**Chapter IV—NMLS Branch Form \\(MU3\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_branch_licensingReg.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_branch_licensingReg.md",
      "headings": [
        "Branch Licensing or Registration {#licComp_branch_branchLicensingOrRegistration .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_branch_licensingReg.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_branch_newApplicationFiling_attest.md:chunk-0",
      "title": "Attesting to a Branch New Application Filing {#licComp_branch_attestingToABranchNewApplicationFiling .task}",
      "content": "# Attesting to a Branch New Application Filing \n\nComplete the final step of the MU3 application process by legally attesting to the filing information and submitting it to state regulators through NMLS.\n\nThe **Attest and Submit** option is the final step when filing a Branch \\(MU3\\) Form for a new license application. This action is only available after the filing passes all completeness checks, including all associated Individual \\(MU2\\) Form attestations. The attestation must display the name of a natural person after the word “I” and the applicant or licensee’s name after the word “of.” Selecting this option constitutes a legal attestation to all states in which the branch is applying for or maintaining a license through NMLS. For authoritative requirements, see the NMLS Policy Guide.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Select **Filing** > **Branch \\(MU3\\)** from the menu.\n\n    The Branch Filing screen is displayed.\n\n4.  Select **Create New Filing**.\n\n    The Branch Search screen is displayed.\n\n5.  Enter search criteria and select **Search**.\n\n    The Branch Search Results screen is displayed.\n\n6.  Select the desired **Branch ID** hyperlink.\n\n    **Note:** If the branch record does not yet exist, select **Create Branch** to create it before starting the MU3 filing.\n\n    The Branch Form \\(MU3\\) opens, beginning on the Business Activities screen.\n\n7.  Select **Attest and Submit** from the left navigation panel.\n\n    **Note:** If errors are listed, click the section link to navigate to the issue, correct it, and return to the **Attest and Submit** section. Repeat until all errors are resolved.\n\n8.  Review the attestation language displayed in the **Attest and Submit** section.\n\n9.  Select the checkbox next to “I verify that I am the named person above and that I am authorized to attest and submit this filing on behalf of the Applicant.”\n\n10. Click **Attest and Submit**.\n\n11. If applicable, complete the payme",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_branch_newApplicationFiling_attest.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_branch_newApplicationFiling_attest.md",
      "headings": [
        "Attesting to a Branch New Application Filing {#licComp_branch_attestingToABranchNewApplicationFiling .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_branch_newApplicationFiling_attest.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_branch_newApplicationFiling_attest.md:chunk-1",
      "title": "Attesting to a Branch New Application Filing {#licComp_branch_attestingToABranchNewApplicationFiling .task}",
      "content": " verify that I am the named person above and that I am authorized to attest and submit this filing on behalf of the Applicant.”\n\n10. Click **Attest and Submit**.\n\n11. If applicable, complete the payment process on the one-time payment page.\n\n    **Note:** NMLS accepts payment by credit card \\(Visa or MasterCard\\) or ACH transfer. Once payment is successfully submitted, the filing becomes viewable by the regulator\\(s\\).\n\n    **Note:** For details on applicable fees, see NMLS Processing Fees.\n\n**Parent topic:**Attest and Submit",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_branch_newApplicationFiling_attest.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_branch_newApplicationFiling_attest.md",
      "headings": [
        "Attesting to a Branch New Application Filing {#licComp_branch_attestingToABranchNewApplicationFiling .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_branch_newApplicationFiling_attest.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_branch_opsInfo_providing.md:chunk-0",
      "title": "Providing Operation Information {#licComp_branch_providingOperationInformation .task}",
      "content": "# Providing Operation Information \n\nAnswer the branch operation questions in the MU3 filing to provide regulators with insight into the branch’s activities. Some responses may require additional documentation or information.\n\nUse the Operation Information section of the Branch \\(MU3\\) Form to respond to questions about the branch’s operations. Responses provide regulators with insight into the branch’s business model and may require additional review.\n\n**Note:** If you answer “Yes” to certain questions, consult the State Licensing Checklist Compiler to determine if additional documentation must be submitted outside of NMLS.\n\n**Note:** A “Yes” response to the final question requires completion of additional details in the Expense Information section of the MU3.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Select **Filing** > **Branch \\(MU3\\)** from the menu.\n\n    The Branch Filing screen is displayed.\n\n4.  Select **Create New Filing**.\n\n    The Branch Search screen is displayed.\n\n5.  Enter search criteria and select **Search**.\n\n    The Branch Search Results screen is displayed.\n\n6.  Select the desired **Branch ID** hyperlink.\n\n    **Note:** If the branch record does not yet exist, select **Create Branch** to create it before starting the MU3 filing.\n\n    The Branch Form \\(MU3\\) opens, beginning on the Business Activities screen.\n\n7.  Open the Operation Information section.\n\n8.  Select the appropriate **Yes** or **No** response for each question.\n\n    **Note:** If you select **Yes**, additional information may be required outside of NMLS. Refer to the State Licensing Checklist Compiler for details.\n\n9.  Click **Save**.\n\n**Parent topic:**Operation Information",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_branch_opsInfo_providing.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_branch_opsInfo_providing.md",
      "headings": [
        "Providing Operation Information {#licComp_branch_providingOperationInformation .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_branch_opsInfo_providing.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_branch_tradeNames_adding.md:chunk-0",
      "title": "Adding Other Trade Names {#licComp_branch_addingOtherTradeNames .task}",
      "content": "# Adding Other Trade Names \n\nEnter any additional trade names your branch uses to ensure they are properly recorded and displayed in NMLS and on public records.\n\nIf your branch operates under names other than its legal name, you must list those trade names in the Branch MU3 Filing. This ensures that all business names used in the marketplace are disclosed to regulators and visible in NMLS Consumer Access. Trade name requirements vary by state, so review applicable guidelines in the NMLS Policy Guide before submitting.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Select **Filing** > **Branch \\(MU3\\)** from the menu.\n\n    The Branch Filing screen is displayed.\n\n4.  Select **Create New Filing**.\n\n    The Branch Search screen is displayed.\n\n5.  Enter search criteria and select **Search**.\n\n    The Branch Search Results screen is displayed.\n\n6.  Select the desired **Branch ID** hyperlink.\n\n    **Note:** If the branch record does not yet exist, select **Create Branch** to create it before starting the MU3 filing.\n\n    The Branch Form \\(MU3\\) opens, beginning on the Business Activities screen.\n\n7.  Select **Other Trade Names** on the left navigation panel.\n\n8.  Select **Add**.\n\n9.  Enter the other trade name.\n\n10. Select the relevant industry type.\n\n11. Enter the effective date for the other trade name in a `MM/DD/YYYY` format.\n\n12. Select the states where the other trade name is used.\n\n13. Select the **Forced Name?** checkbox if required by the state regulator.\n\n14. Select **Save**.\n\n**Parent topic:**Other Trade Names",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_branch_tradeNames_adding.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_branch_tradeNames_adding.md",
      "headings": [
        "Adding Other Trade Names {#licComp_branch_addingOtherTradeNames .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_branch_tradeNames_adding.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_coRepMU2onMU1_managing.md:chunk-0",
      "title": "Managing MU2 Forms for Company Representatives on the Company MU1 Form {#licComp_managingMu2FormsForCompanyRepresentativesOnTheCompanyMu1Form .task}",
      "content": "# Managing MU2 Forms for Company Representatives on the Company MU1 Form \n\nLearn how to manage MU2 forms for company representatives by linking and updating their information within your company’s MU1 form in NMLS.\n\nCompany representatives \\(such as control persons\\) identified in a Company \\(MU1\\) filing must have an associated MU2 Individual Form. This form can be managed from within the MU1 filing in NMLS.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Select **Filing** > **Company \\(MU1\\)** from the menu.\n\n    The Company Filing screen is displayed.\n\n4.  Select **Create New Filing**.\n\n    The Company Form \\(MU1\\) opens, beginning on the Business Activities screen.\n\n5.  Select **MU2 Forms** from the left navigation panel.\n\nSee Managing Individual MU2 Filings \\(Company\\) for further instructions.\n\n-   **Managing Individual MU2 Filings \\(Company\\)**  \nUnderstand the process for managing individual MU2 filings, including submitting, updating, and tracking licensing information for company representatives in NMLS.\n\n**Parent topic:**Chapter II—NMLS Company Form \\(MU1\\)\n\n**Target**  \n\nAttesting and Submitting a New MU1 Application",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_coRepMU2onMU1_managing.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_coRepMU2onMU1_managing.md",
      "headings": [
        "Managing MU2 Forms for Company Representatives on the Company MU1 Form {#licComp_managingMu2FormsForCompanyRepresentativesOnTheCompanyMu1Form .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_coRepMU2onMU1_managing.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_compRepMU2_completing.md:chunk-0",
      "title": "Completing the MU2 Individual Form on Behalf of a Company Representative {#licCompMU2_completingTheMu2IndividualFormOnBehalfOfACompanyRepresentative .task}",
      "content": "# Completing the MU2 Individual Form on Behalf of a Company Representative \n\nLearn how to complete the MU2 Individual Form on behalf of a company representative \\(control person\\) to ensure their information is accurately prepared in NMLS before requesting attestation.\n\nThe MU2 Individual Form is required for each company representative identified in a Company \\(MU1\\) filing as a direct owner, indirect owner with control, executive officer, or qualifying individual, or in a Branch \\(MU3\\) filing as a branch manager. These forms collect personal, employment, and regulatory information needed for licensing and must be attested by the individual before the MU1 or MU3 can be submitted.\n\nCompany users may complete some or all sections of the MU2 form on behalf of the individual, then request their attestation in NMLS. The individual can also log in to complete portions of their form prior to attesting.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Access the **Filing** tab and select **Company \\(MU1\\)** or **Branch \\(MU3\\)**.\n\n4.  Create or edit a filing, then open the **MU2 Forms** section from the left navigation panel.\n\n5.  Click the **Edit Filing** icon next to the company representative’s name to open their MU2 form.\n\n    **Note:** If the MU2 form has already been attested, use the **Recall Filing** icon to make it editable.\n\n6.  Complete applicable sections of the MU2 form, including personal information, employment history, disclosure questions, and other sections similar to MU4 filings.\n\n7.  Request a credit report and initiate a criminal background check \\(CBC\\) if required, using the **Credit Report** and **Criminal Background Check** links in the left navigation.\n\n    **Note:** Refer to state-specific requirements in the License Requirements and Fees Chart to confirm credit report and CBC needs.\n\n8.  Upload any required supporting documents using the **Document Uploads** section.\n\n9.  When ready, click **Attest ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_compRepMU2_completing.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_compRepMU2_completing.md",
      "headings": [
        "Completing the MU2 Individual Form on Behalf of a Company Representative {#licCompMU2_completingTheMu2IndividualFormOnBehalfOfACompanyRepresentative .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_compRepMU2_completing.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_compRepMU2_completing.md:chunk-1",
      "title": "Completing the MU2 Individual Form on Behalf of a Company Representative {#licCompMU2_completingTheMu2IndividualFormOnBehalfOfACompanyRepresentative .task}",
      "content": "n the License Requirements and Fees Chart to confirm credit report and CBC needs.\n\n8.  Upload any required supporting documents using the **Document Uploads** section.\n\n9.  When ready, click **Attest and Submit** in the left navigation and select **Request Attestation** to send the form to the company representative for their review and attestation.\n\nOnce the MU2 individual attests to their form, you will receive an email notification. Return to your MU1 or MU3 filing to complete submission.\n\nFor related tasks, see:\n\n-   Sending the MU2 Individual Form to a Company Representative for Completion\n-   Recalling an Individual MU2 Form Sent to a Company Representative\n\n**Parent topic:**Managing Individual MU2 Filings \\(Company\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_compRepMU2_completing.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_compRepMU2_completing.md",
      "headings": [
        "Completing the MU2 Individual Form on Behalf of a Company Representative {#licCompMU2_completingTheMu2IndividualFormOnBehalfOfACompanyRepresentative .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_compRepMU2_completing.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_contactEmployees_identifying.md:chunk-0",
      "title": "Identifying Contact Employees {#licComp_contactEmployees_identifying .task}",
      "content": "# Identifying Contact Employees \n\nLearn how to add or edit company contact employees in the Contact Employees section of the Company \\(MU1\\) Form in NMLS.\n\nApplicants and licensees must designate company contact employees in NMLS. This includes a **Primary Company Contact**, who is responsible for receiving and disseminating compliance and licensing information, and a **Primary Consumer Complaint Contact**. If permitted by the state, one person may serve both roles.\n\nCompanies may also add non-primary contact employees who serve specific roles related to industry type, area of responsibility, or state.\n\nFor policy guidance on contact employee requirements, see the NMLS Policy Guide.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Select **Filing** > **Company \\(MU1\\)** from the menu.\n\n    The Company Filing screen is displayed.\n\n4.  Select **Create New Filing**.\n\n    The Company Form \\(MU1\\) opens, beginning on the Business Activities screen.\n\n5.  In the left navigation panel, select **Contact Employees**.\n\n6.  Click the **Add** button to enter a new contact employee.\n\n7.  To add a Primary Company Contact or Primary Consumer Complaint Contact, check the appropriate box at the top of the form.\n\n    **Note:** For primary contacts, you do not need to select industries, areas of responsibility, or states.\n\n8.  To add a non-primary contact employee, leave both primary checkboxes unchecked and complete the required contact fields.\n\n9.  Select the relevant **Industry Type\\(s\\)**, **Area\\(s\\) of Responsibility**, and **State\\(s\\)** for the non-primary contact.\n\n10. Click **Save** to finalize the entry.\n\n**Parent topic:**Contact Employees\n\n**Target**  \n\nAttesting and Submitting a New MU1 Application",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_contactEmployees_identifying.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_contactEmployees_identifying.md",
      "headings": [
        "Identifying Contact Employees {#licComp_contactEmployees_identifying .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_contactEmployees_identifying.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_discQuestions_answer.md:chunk-0",
      "title": "Answering Disclosure Questions {#licComp_answeringDisclosureQuestions .task}",
      "content": "# Answering Disclosure Questions \n\nLearn how to accurately respond to the Disclosure Questions on the MU1 form to report any legal, financial, or regulatory issues affecting your company or its principals.\n\nThe Disclosure Questions section of the Company \\(MU1\\) Form requires you to answer a series of questions regarding your company’s regulatory, civil, or criminal history. You must answer every question. If the answer to any question is **Yes**, you must provide a corresponding disclosure explanation in the Disclosure Explanations section. You may also provide explanations for **No** answers when clarification is needed.\n\nDisclosure Questions are reviewed by regulators as part of their decision to approve or deny a license. If your company’s response changes over time—for example, from **No** to **Yes**—you must update both the Disclosure Questions and the Disclosure Explanations section. Refer to the guidance in the NMLS Policy Guide for definitions and disclosure standards.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Select **Filing** > **Company \\(MU1\\)** from the menu.\n\n    The Company Filing screen is displayed.\n\n4.  Select **Create New Filing**.\n\n    The Company Form \\(MU1\\) opens, beginning on the Business Activities screen.\n\n5.  In the left navigation panel, select **Disclosure Questions**.\n\n6.  For each question, select either **Yes** or **No**.\n\n    If you answer **Yes** to any question, you must later complete the Disclosure Explanations section with relevant details.\n\n7.  Click **Save** to record your responses.\n\n8.  Continue with the rest of the MU1 filing or proceed to the Disclosure Explanations section to add explanations as needed.\n\n**Parent topic:**Disclosure Questions\n\n**Target**  \n\nAttesting and Submitting a New MU1 Application",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_discQuestions_answer.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_discQuestions_answer.md",
      "headings": [
        "Answering Disclosure Questions {#licComp_answeringDisclosureQuestions .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_discQuestions_answer.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_docUploads_managing.md:chunk-0",
      "title": "Managing Document Uploads {#licComp_managingDocumentUploads .task}",
      "content": "# Managing Document Uploads \n\nLearn how to upload, organize, and manage the required supporting documents within NMLS to complete your license application successfully.\n\nUse the Document Uploads section of the Company \\(MU1\\) Form to provide supporting documentation requested by state regulators as part of your license application. Document types are determined by each agency and appear in a drop-down menu within the section. Documents uploaded in one filing may be reused in future filings if they are still valid.\n\nYou should only upload documents that are specifically requested by a regulator or shown in the system. Do not upload placeholder or unnecessary documents. Refer to the NMLS Policy Guide for policy on what documentation is required, and see the Document Upload Descriptions and Examples for examples and formatting guidance.\n\n1.  Navigate to the NMLS Login page.\n\n    -   State context.\n    -   Federal context.\n2.  Select **Filing** > **Company \\(MU1\\)** from the menu.\n\n    The Company Filing screen is displayed.\n\n3.  Select **Create New Filing**.\n\n    The Company Form \\(MU1\\) opens, beginning on the Business Activities screen.\n\n4.  In the left navigation panel, select **Document Uploads**.\n\n5.  Select a **Document Type** from the drop-down list.\n\n    The list only includes document types requested by at least one state in the current filing.\n\n6.  Click **Add**, then select and upload the appropriate PDF file.\n\n    Ensure the document filename clearly identifies the contents \\(e.g., `Business Plan as of 2025-08-07.pdf`\\).\n\n7.  If required, select the applicable state\\(s\\) from the drop-down list.\n\n    You may be required to upload separate versions of the same document for different states.\n\n8.  Repeat the steps above to upload additional documents as needed.\n\n9.  Click **Save** to preserve your changes.\n\n-   **Document Upload Descriptions and Examples**  \nDescriptions and examples of the different types of documentation available for upload to NMLS.\n-   **A",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_docUploads_managing.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_docUploads_managing.md",
      "headings": [
        "Managing Document Uploads {#licComp_managingDocumentUploads .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_docUploads_managing.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_docUploads_managing.md:chunk-1",
      "title": "Managing Document Uploads {#licComp_managingDocumentUploads .task}",
      "content": ".  Click **Save** to preserve your changes.\n\n-   **Document Upload Descriptions and Examples**  \nDescriptions and examples of the different types of documentation available for upload to NMLS.\n-   **About the Document Library**  \nDocument requirements are determined by the specific license requirements outlined in theAgency Guidance section of your MU4 filing. There are no standard documents required for every application; required uploads vary depending on your agency’s licensing guidance.\n\n**Parent topic:**Document Uploads\n\n**Target**  \n\nAttesting and Submitting a New MU1 Application",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_docUploads_managing.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_docUploads_managing.md",
      "headings": [
        "Managing Document Uploads {#licComp_managingDocumentUploads .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_docUploads_managing.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_finInstitutions_identifying.md:chunk-0",
      "title": "Identifying Financial Institutions {#licComp_financialInstitutionsIdentifying .task}",
      "content": "# Identifying Financial Institutions \n\nLearn how to complete the Financial Institutions section of the MU1 form by listing banks, credit unions, and other financial entities affiliated with your company.\n\nComplete the Financial Institutions section of the Company \\(MU1\\) Form only if your company is controlled by a financial entity such as a credit union, bank holding company, savings association, or other similar institution. Do not use this section to enter information about institutions used for corporate banking. If completed, you must also upload an **Organizational Chart/Description** in the Document Uploads section.\n\nInformation in this section is entered manually and is viewable on NMLS Consumer Access. Refer to the NMLS Policy Guide for authoritative guidance.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Select **Filing** > **Company \\(MU1\\)** from the menu.\n\n    The Company Filing screen is displayed.\n\n4.  Select **Create New Filing**.\n\n    The Company Form \\(MU1\\) opens, beginning on the Business Activities screen.\n\n5.  In the left navigation panel, select **Financial Institutions**.\n\n6.  Click **Add** to open a new entry form.\n\n7.  Enter all required information about the controlling financial institution.\n\n    **Note:** You must complete each field manually. A company search tool is not available in this section.\n\n8.  Click **Save** to confirm the entry.\n\n9.  If applicable, upload an **Organizational Chart/Description** in the Document Uploads section.\n\n**Parent topic:**Financial Institutions\n\n**Target**  \n\nAttesting and Submitting a New MU1 Application",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_finInstitutions_identifying.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_finInstitutions_identifying.md",
      "headings": [
        "Identifying Financial Institutions {#licComp_financialInstitutionsIdentifying .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_finInstitutions_identifying.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_indirectOwners_identifying.md:chunk-0",
      "title": "Identify Indirect Owners {#indirectOwnersIdentifying .task}",
      "content": "# Identify Indirect Owners \n\nUse the Indirect Owners section of the Company \\(MU1\\) Form to disclose any individuals or entities that indirectly own or control 25% or more of the applicant.\n\nCompanies must disclose any individual or legal entity that **indirectly owns or controls 25% or more** of the applicant. This includes entities such as trusts, partnerships, and holding companies that exist between the applicant and the ultimate owner or controller. Disclosure is not required beyond the point at which the ownership chain reaches a public reporting company, a federally regulated depository institution, a bank holding company, or a natural person.\n\nIf no individuals or entities meet this threshold, you may skip this section.\n\nFor more detailed ownership criteria, refer to the NMLS Policy Guide.\n\n1.  Navigate to the NMLS Login page.\n\n    -   State context.\n    -   Federal context.\n2.  Select **Filing** > **Company \\(MU1\\)** from the menu.\n\n    The Company Filing screen is displayed.\n\n3.  Select **Create New Filing**.\n\n    The Company Form \\(MU1\\) opens, beginning on the Business Activities screen.\n\n4.  Click the **Indirect Owners** section in the navigation panel of the MU1 filing.\n\n5.  To add an individual indirect owner, click **Add Individual**.\n\n    **Note:** Search for the individual first using name or NMLS ID. If the individual is not found, click **Create Individual** and complete the required information.\n\n    **Tip:** If you designate an indirect owner as a control person, they must have their own NMLS account and complete the Individual \\(MU2\\) Form. After submission, the individual must also complete the MU2 attestation process. For more information, see Managing Individual MU2 Filings \\(Company\\).\n\n6.  To add a company indirect owner, click **Add Company**.\n\n    **Note:** Search for the company first using name or NMLS ID. If the company is not found, click **New Direct Owner** and complete the required information.\n\n7.  Enter ownership and control in",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_indirectOwners_identifying.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_indirectOwners_identifying.md",
      "headings": [
        "Identify Indirect Owners {#indirectOwnersIdentifying .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_indirectOwners_identifying.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_indirectOwners_identifying.md:chunk-1",
      "title": "Identify Indirect Owners {#indirectOwnersIdentifying .task}",
      "content": "*.\n\n    **Note:** Search for the company first using name or NMLS ID. If the company is not found, click **New Direct Owner** and complete the required information.\n\n7.  Enter ownership and control information for each indirect owner.\n\n    **Note:** Required fields include ownership percentage, whether the entity is a control person, and the entity in which interest is held. The total ownership percentages may not exceed 100%.\n\n8.  To edit or remove an indirect owner, use the **Edit** or **Delete** icons.\n\n    **Note:** To remove an owner, first amend their ownership percentage to 0% and provide an effective date. You cannot use a past date.\n\n**Parent topic:**Indirect Owners\n\n**Target**  \n\nAttesting and Submitting a New MU1 Application",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_indirectOwners_identifying.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_indirectOwners_identifying.md",
      "headings": [
        "Identify Indirect Owners {#indirectOwnersIdentifying .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_indirectOwners_identifying.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_initialFinStatement_submitting.md:chunk-0",
      "title": "Submitting Your Initial Financial Statement in NMLS {#licComp_submittingAnInitialFinancialStatement .task}",
      "content": "# Submitting Your Initial Financial Statement in NMLS \n\nSubmit your company’s initial financial statement in NMLS when applying for a new license to meet state requirements.\n\nMany states require companies to submit a financial statement with their initial license application in NMLS. Use the state-specific State Licensing Checklist Compiler to determine the type of financial statement required. Requirements can include audited, reviewed, compiled, or internally prepared statements. The statement must be uploaded as a searchable PDF not exceeding 8MB.\n\n1.  Navigate to the NMLS Login page.\n\n    -   State context.\n    -   Federal context.\n2.  Select the **Filing** tab.\n\n3.  From the sub-menu, select **Financial Statement**.\n\n4.  Click **Create Filing**.\n\n5.  In the **Period Type** drop-down list, select **Annual/Initial**.\n\n    1.  Enter the fiscal year for the financial statement being attached.\n\n    2.  Click **Create**.\n\n6.  Complete each section in the left navigation panel of the filing.\n\n7.  On the Financial Information page, enter the required data in the Key Financial Data section.\n\n    **Note:** Dollar amounts must be rounded to the nearest whole dollar and match the amounts in the attached financial statement.\n\n8.  If applicable, complete the Accountant Information section.\n\n    **Note:** Provide this information if the statement was prepared, audited, reviewed, or compiled by an accounting firm.\n\n9.  Click **Add**, then **Browse** to locate your financial statement file.\n\n    **Note:** The file must be in searchable PDF format and cannot exceed 8MB.\n\n10. Select the file and click **Save**.\n\n11. Navigate to the Attest and Submit section.\n\n12. Click **Submit Filing** to complete the submission.\n\n**Parent topic:**Applying for a State Company License",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_initialFinStatement_submitting.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_initialFinStatement_submitting.md",
      "headings": [
        "Submitting Your Initial Financial Statement in NMLS {#licComp_submittingAnInitialFinancialStatement .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_initialFinStatement_submitting.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_legalStauts_indicate.md:chunk-0",
      "title": "Indicating Legal Status {#licComp_legalStauts_indicate .task}",
      "content": "# Indicating Legal Status \n\nEnter your company's legal status, fiscal year-end, and formation details as required for a new Company \\(MU1\\) filing.\n\nCompanies must provide information about their legal status, including their formation state, country, and fiscal year end. If the company is publicly traded, a stock symbol must also be included. These fields are required to complete a new Company \\(MU1\\) filing.\n\nIf the legal status of the company changes in the future, it must be updated in a subsequent MU1 filing.\n\nFor authoritative policy guidance on legal status, refer to the NMLS Policy Guide.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Select **Filing** > **Company \\(MU1\\)** from the menu.\n\n    The Company Filing screen is displayed.\n\n4.  Select **Create New Filing**.\n\n    The Company Form \\(MU1\\) opens, beginning on the Business Activities screen.\n\n5.  Select **Legal Status** from the left navigation panel.\n\n6.  Enter the company's **Fiscal year end** in MM/DD format \\(e.g. **12/31**\\).\n\n7.  If the company is publicly traded, enter the **Stock Symbol**.\n\n8.  Enter or confirm the following required formation information:\n\n    1.  **Formation State**\n\n    2.  **Formation Country / Province**\n\n    3.  **Formation Date**\n\n    4.  **Legal Status** \\(e.g., Limited Liability Company\\)\n\n    5.  **Description** \\(optional\\)\n\n9.  If you are submitting a legal status amendment, select the **Do you want to amend your legal status?** checkbox.\n\n10. Click **Save**.\n\nThe legal status information is saved and reflected in the MU1 filing. You may proceed to the next section.\n\n**Parent topic:**Legal Status\\*\n\n**Target**  \n\nAttesting and Submitting a New MU1 Application\n\n**Target**  \n\nAttesting and Submitting a New MU1 Application",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_legalStauts_indicate.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_legalStauts_indicate.md",
      "headings": [
        "Indicating Legal Status {#licComp_legalStauts_indicate .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_legalStauts_indicate.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_licItemCompany_responding.md:chunk-0",
      "title": "Responding to License Items {#licComp_licItemCompany_responding .task}",
      "content": "# Responding to License Items \n\nReview and internally respond to license items placed on your company, branch, or sponsored individual licenses.\n\nUse the License Item List to monitor and internally address license items placed by the system or a state regulator. These tasks are for internal tracking only and cannot be viewed by regulators. For clarification about specific license items, contact the relevant state agency directly.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Click the **Tasks** tab.\n\n4.  Click **License Item List** from the sub-menu.\n\n5.  Apply filtering options or click **Filter** to view all current license items placed on your company, branch, and sponsored individual licenses.\n\n6.  To review the details of a license item, click the **View** icon or the hyperlinked **License Item Type**.\n\n7.  On the License Item Task page, optionally perform the following:\n\n    1.  Assign the license item to another company user.\n\n    2.  Mark the review as complete to indicate it has been addressed internally.\n\n    3.  Enter the date the item was addressed.\n\n    4.  Add internal notes in the **Company Internal Notes** box.\n\n    **Note:** Marking a license item as complete will not remove it from the list. Items are only cleared by the system or state regulator once satisfactory action is confirmed.\n\n**Parent topic:**Chapter II—NMLS Company Form \\(MU1\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_licItemCompany_responding.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_licItemCompany_responding.md",
      "headings": [
        "Responding to License Items {#licComp_licItemCompany_responding .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_licItemCompany_responding.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_licItemCompany_responding_2.md:chunk-0",
      "title": "Responding to License Items {#licComp_licItemCompany_responding .task}",
      "content": "# Responding to License Items \n\nReview and internally respond to license items placed on your company, branch, or sponsored individual licenses.\n\nUse the License Item List to monitor and internally address license items placed by the system or a state regulator. These tasks are for internal tracking only and cannot be viewed by regulators. For clarification about specific license items, contact the relevant state agency directly.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Click the **Tasks** tab.\n\n4.  Click **License Item List** from the sub-menu.\n\n5.  Apply filtering options or click **Filter** to view all current license items placed on your company, branch, and sponsored individual licenses.\n\n6.  To review the details of a license item, click the **View** icon or the hyperlinked **License Item Type**.\n\n7.  On the License Item Task page, optionally perform the following:\n\n    1.  Assign the license item to another company user.\n\n    2.  Mark the review as complete to indicate it has been addressed internally.\n\n    3.  Enter the date the item was addressed.\n\n    4.  Add internal notes in the **Company Internal Notes** box.\n\n    **Note:** Marking a license item as complete will not remove it from the list. Items are only cleared by the system or state regulator once satisfactory action is confirmed.\n\n**Parent topic:**Maintaining Your Company License",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_licItemCompany_responding_2.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_licItemCompany_responding_2.md",
      "headings": [
        "Responding to License Items {#licComp_licItemCompany_responding .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_licItemCompany_responding_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_licRegSelectionGuide-1.md:chunk-0",
      "title": "Figuring Out Which Licenses or Registrations You Need {#licComp_licRegSelectionGuide .concept}",
      "content": "# Figuring Out Which Licenses or Registrations You Need \n\nReview and analyze your business activities and use NMLS resources to determine which licenses or registrations are required before starting a filing.\n\nThe licenses or registrations you must hold depend on the business activities you conduct. Before starting a filing in NMLS, carefully evaluate which activities apply and match them to the corresponding requirements in NMLS.\n\nTo complete this analysis:\n\n-   Review the Business Activities Definitions to understand how NMLS defines business activities.\n-   Use the State Licensing Checklist Compiler to see requirements and supporting documentation for each license type in each jurisdiction.\n\n    **Note:** When browsing licenses in the Checklist Compiler, click the **Information** \\(“i”\\) icon next to the license name to read its description. This can help you confirm whether the license aligns with your company’s business activities.\n\n-   Consult the NMLS Policy Guide for authoritative policy guidance.\n\nUse these combined resources to ensure you request the correct licenses before proceeding with your application.\n\n**Parent topic:**Gathering Requirements",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_licRegSelectionGuide-1.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_licRegSelectionGuide-1.md",
      "headings": [
        "Figuring Out Which Licenses or Registrations You Need {#licComp_licRegSelectionGuide .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_licRegSelectionGuide-1.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_licRegSelectionGuide-1_2.md:chunk-0",
      "title": "Figuring Out Which Licenses or Registrations You Need {#licComp_licRegSelectionGuide .concept}",
      "content": "# Figuring Out Which Licenses or Registrations You Need \n\nReview and analyze your business activities and use NMLS resources to determine which licenses or registrations are required before starting a filing.\n\nThe licenses or registrations you must hold depend on the business activities you conduct. Before starting a filing in NMLS, carefully evaluate which activities apply and match them to the corresponding requirements in NMLS.\n\nTo complete this analysis:\n\n-   Review the Business Activities Definitions to understand how NMLS defines business activities.\n-   Use the State Licensing Checklist Compiler to see requirements and supporting documentation for each license type in each jurisdiction.\n\n    **Note:** When browsing licenses in the Checklist Compiler, click the **Information** \\(“i”\\) icon next to the license name to read its description. This can help you confirm whether the license aligns with your company’s business activities.\n\n-   Consult the NMLS Policy Guide for authoritative policy guidance.\n\nUse these combined resources to ensure you request the correct licenses before proceeding with your application.\n\n**Parent topic:**Gathering Requirements",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_licRegSelectionGuide-1_2.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_licRegSelectionGuide-1_2.md",
      "headings": [
        "Figuring Out Which Licenses or Registrations You Need {#licComp_licRegSelectionGuide .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_licRegSelectionGuide-1_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_licRegSelectionGuide-1_3.md:chunk-0",
      "title": "Figuring Out Which Licenses or Registrations You Need {#licComp_licRegSelectionGuide .concept}",
      "content": "# Figuring Out Which Licenses or Registrations You Need \n\nReview and analyze your business activities and use NMLS resources to determine which licenses or registrations are required before starting a filing.\n\nThe licenses or registrations you must hold depend on the business activities you conduct. Before starting a filing in NMLS, carefully evaluate which activities apply and match them to the corresponding requirements in NMLS.\n\nTo complete this analysis:\n\n-   Review the Business Activities Definitions to understand how NMLS defines business activities.\n-   Use the State Licensing Checklist Compiler to see requirements and supporting documentation for each license type in each jurisdiction.\n\n    **Note:** When browsing licenses in the Checklist Compiler, click the **Information** \\(“i”\\) icon next to the license name to read its description. This can help you confirm whether the license aligns with your company’s business activities.\n\n-   Consult the NMLS Policy Guide for authoritative policy guidance.\n\nUse these combined resources to ensure you request the correct licenses before proceeding with your application.\n\n**Parent topic:**Gathering Requirements",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_licRegSelectionGuide-1_3.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_licRegSelectionGuide-1_3.md",
      "headings": [
        "Figuring Out Which Licenses or Registrations You Need {#licComp_licRegSelectionGuide .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_licRegSelectionGuide-1_3.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_licRegSelectionGuide-1_4.md:chunk-0",
      "title": "Figuring Out Which Licenses or Registrations You Need {#licComp_licRegSelectionGuide .concept}",
      "content": "# Figuring Out Which Licenses or Registrations You Need \n\nReview and analyze your business activities and use NMLS resources to determine which licenses or registrations are required before starting a filing.\n\nThe licenses or registrations you must hold depend on the business activities you conduct. Before starting a filing in NMLS, carefully evaluate which activities apply and match them to the corresponding requirements in NMLS.\n\nTo complete this analysis:\n\n-   Review the Business Activities Definitions to understand how NMLS defines business activities.\n-   Use the State Licensing Checklist Compiler to see requirements and supporting documentation for each license type in each jurisdiction.\n\n    **Note:** When browsing licenses in the Checklist Compiler, click the **Information** \\(“i”\\) icon next to the license name to read its description. This can help you confirm whether the license aligns with your company’s business activities.\n\n-   Consult the NMLS Policy Guide for authoritative policy guidance.\n\nUse these combined resources to ensure you request the correct licenses before proceeding with your application.\n\n**Parent topic:**Gathering Requirements",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_licRegSelectionGuide-1_4.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_licRegSelectionGuide-1_4.md",
      "headings": [
        "Figuring Out Which Licenses or Registrations You Need {#licComp_licRegSelectionGuide .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_licRegSelectionGuide-1_4.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_licRegSelectionGuide-1_5.md:chunk-0",
      "title": "Figuring Out Which Licenses or Registrations You Need {#licComp_licRegSelectionGuide .concept}",
      "content": "# Figuring Out Which Licenses or Registrations You Need \n\nReview and analyze your business activities and use NMLS resources to determine which licenses or registrations are required before starting a filing.\n\nThe licenses or registrations you must hold depend on the business activities you conduct. Before starting a filing in NMLS, carefully evaluate which activities apply and match them to the corresponding requirements in NMLS.\n\nTo complete this analysis:\n\n-   Review the Business Activities Definitions to understand how NMLS defines business activities.\n-   Use the State Licensing Checklist Compiler to see requirements and supporting documentation for each license type in each jurisdiction.\n\n    **Note:** When browsing licenses in the Checklist Compiler, click the **Information** \\(“i”\\) icon next to the license name to read its description. This can help you confirm whether the license aligns with your company’s business activities.\n\n-   Consult the NMLS Policy Guide for authoritative policy guidance.\n\nUse these combined resources to ensure you request the correct licenses before proceeding with your application.\n\n**Parent topic:**Gathering Requirements",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_licRegSelectionGuide-1_5.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_licRegSelectionGuide-1_5.md",
      "headings": [
        "Figuring Out Which Licenses or Registrations You Need {#licComp_licRegSelectionGuide .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_licRegSelectionGuide-1_5.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_licRegSelectionGuide.md:chunk-0",
      "title": "Figuring Out Which Licenses or Registrations You Need {#licComp_licRegSelectionGuide .concept}",
      "content": "# Figuring Out Which Licenses or Registrations You Need \n\nReview and analyze your business activities and use NMLS resources to determine which licenses or registrations are required before starting a filing.\n\nThe licenses or registrations you must hold depend on the business activities you conduct. Before starting a filing in NMLS, carefully evaluate which activities apply and match them to the corresponding requirements in NMLS.\n\nTo complete this analysis:\n\n-   Review the Business Activities Definitions to understand how NMLS defines business activities.\n-   Use the State Licensing Checklist Compiler to see requirements and supporting documentation for each license type in each jurisdiction.\n\n    **Note:** When browsing licenses in the Checklist Compiler, click the **Information** \\(“i”\\) icon next to the license name to read its description. This can help you confirm whether the license aligns with your company’s business activities.\n\n-   Consult the NMLS Policy Guide for authoritative policy guidance.\n\nUse these combined resources to ensure you request the correct licenses before proceeding with your application.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_licRegSelectionGuide.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_licRegSelectionGuide.md",
      "headings": [
        "Figuring Out Which Licenses or Registrations You Need {#licComp_licRegSelectionGuide .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_licRegSelectionGuide.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_licTransition_requesting.md:chunk-0",
      "title": "Requesting a Company License or Transition {#licComp_licTransition_requesting .task}",
      "content": "# Requesting a Company License or Transition \n\nLearn how to request a company license or transition an existing license onto NMLS.\n\nBefore requesting or transitioning a license, review your agency’s requirements in the State Licensing Checklist Compiler and gather all required information and documents before starting a filing.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Select **Filing** > **Company \\(MU1\\)** from the menu.\n\n    The Company Filing screen is displayed.\n\n4.  Select **Create New Filing**.\n\n    The Company Form \\(MU1\\) opens, beginning on the Business Activities screen.\n\n5.  Select the checkboxes for the licenses you want to request and click **Next**.\n\n6.  If you are transitioning an existing license onto NMLS, enter the Existing License Number provided by the licensing state agency and click **Next**.\n\n7.  Click **Continue with Filing**.\n\n    The Identifying Information screen is displayed.\n\nComplete the rest of the form, using the links in the left navigation panel.\n\n**Parent topic:**Request License\n\n**Target**  \n\nAttesting and Submitting a New MU1 Application",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_licTransition_requesting.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_licTransition_requesting.md",
      "headings": [
        "Requesting a Company License or Transition {#licComp_licTransition_requesting .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_licTransition_requesting.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_newAppCklistCompiler_using-1.md:chunk-0",
      "title": "Using the Checklist Compiler {#licComp_usingTheChecklistCompilerForNewApplications .task}",
      "content": "# Using the Checklist Compiler \n\nUse the Checklist Compiler on the NMLS Resource Center to find and export state licensing checklists that outline what requirements you must complete for an NMLS filing \\(including tasks inside and outside NMLS\\).\n\nThe Checklist Compiler lets you search for and export state licensing checklists for NMLS filings. The exported checklists summarize requirements you must complete both within NMLS and with state agencies outside of NMLS.\n\n1.  Navigate to the State Licensing Checklist Compiler.\n\n2.  In the Checklist Compiler, select the type of filing you are trying to submit.\n\n    New Application, Transition, Amendment, or Surrender.\n\n3.  Find your license type:\n\n    1.  Enter a keyword in the search box to filter results \\(for example, type `mortgage`\\).\n\n    2.  Use the arrow \\(**>**\\) controls to expand each agency’s list of available license types.\n\n4.  Select the checklist\\(s\\) to export.\n\n    **Note:** Use the radio button to the left of the license name to make your selection. Clicking directly on a license name clears any prior selection.\n\n5.  Click **Export Checklist**.\n\n    **Note:** Your browser downloads the selected checklist\\(s\\) as PDF files. Review these PDFs to identify requirements your company must complete inside NMLS and any actions required outside NMLS.\n\n**Parent topic:**Gathering Requirements",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_newAppCklistCompiler_using-1.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_newAppCklistCompiler_using-1.md",
      "headings": [
        "Using the Checklist Compiler {#licComp_usingTheChecklistCompilerForNewApplications .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_newAppCklistCompiler_using-1.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_newAppCklistCompiler_using-1_2.md:chunk-0",
      "title": "Using the Checklist Compiler {#licComp_usingTheChecklistCompilerForNewApplications .task}",
      "content": "# Using the Checklist Compiler \n\nUse the Checklist Compiler on the NMLS Resource Center to find and export state licensing checklists that outline what requirements you must complete for an NMLS filing \\(including tasks inside and outside NMLS\\).\n\nThe Checklist Compiler lets you search for and export state licensing checklists for NMLS filings. The exported checklists summarize requirements you must complete both within NMLS and with state agencies outside of NMLS.\n\n1.  Navigate to the State Licensing Checklist Compiler.\n\n2.  In the Checklist Compiler, select the type of filing you are trying to submit.\n\n    New Application, Transition, Amendment, or Surrender.\n\n3.  Find your license type:\n\n    1.  Enter a keyword in the search box to filter results \\(for example, type `mortgage`\\).\n\n    2.  Use the arrow \\(**>**\\) controls to expand each agency’s list of available license types.\n\n4.  Select the checklist\\(s\\) to export.\n\n    **Note:** Use the radio button to the left of the license name to make your selection. Clicking directly on a license name clears any prior selection.\n\n5.  Click **Export Checklist**.\n\n    **Note:** Your browser downloads the selected checklist\\(s\\) as PDF files. Review these PDFs to identify requirements your company must complete inside NMLS and any actions required outside NMLS.\n\n**Parent topic:**Gathering Requirements",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_newAppCklistCompiler_using-1_2.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_newAppCklistCompiler_using-1_2.md",
      "headings": [
        "Using the Checklist Compiler {#licComp_usingTheChecklistCompilerForNewApplications .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_newAppCklistCompiler_using-1_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_newAppCklistCompiler_using-1_3.md:chunk-0",
      "title": "Using the Checklist Compiler {#licComp_usingTheChecklistCompilerForNewApplications .task}",
      "content": "# Using the Checklist Compiler \n\nUse the Checklist Compiler on the NMLS Resource Center to find and export state licensing checklists that outline what requirements you must complete for an NMLS filing \\(including tasks inside and outside NMLS\\).\n\nThe Checklist Compiler lets you search for and export state licensing checklists for NMLS filings. The exported checklists summarize requirements you must complete both within NMLS and with state agencies outside of NMLS.\n\n1.  Navigate to the State Licensing Checklist Compiler.\n\n2.  In the Checklist Compiler, select the type of filing you are trying to submit.\n\n    New Application, Transition, Amendment, or Surrender.\n\n3.  Find your license type:\n\n    1.  Enter a keyword in the search box to filter results \\(for example, type `mortgage`\\).\n\n    2.  Use the arrow \\(**>**\\) controls to expand each agency’s list of available license types.\n\n4.  Select the checklist\\(s\\) to export.\n\n    **Note:** Use the radio button to the left of the license name to make your selection. Clicking directly on a license name clears any prior selection.\n\n5.  Click **Export Checklist**.\n\n    **Note:** Your browser downloads the selected checklist\\(s\\) as PDF files. Review these PDFs to identify requirements your company must complete inside NMLS and any actions required outside NMLS.\n\n**Parent topic:**Gathering Requirements",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_newAppCklistCompiler_using-1_3.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_newAppCklistCompiler_using-1_3.md",
      "headings": [
        "Using the Checklist Compiler {#licComp_usingTheChecklistCompilerForNewApplications .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_newAppCklistCompiler_using-1_3.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_newAppCklistCompiler_using-1_4.md:chunk-0",
      "title": "Using the Checklist Compiler {#licComp_usingTheChecklistCompilerForNewApplications .task}",
      "content": "# Using the Checklist Compiler \n\nUse the Checklist Compiler on the NMLS Resource Center to find and export state licensing checklists that outline what requirements you must complete for an NMLS filing \\(including tasks inside and outside NMLS\\).\n\nThe Checklist Compiler lets you search for and export state licensing checklists for NMLS filings. The exported checklists summarize requirements you must complete both within NMLS and with state agencies outside of NMLS.\n\n1.  Navigate to the State Licensing Checklist Compiler.\n\n2.  In the Checklist Compiler, select the type of filing you are trying to submit.\n\n    New Application, Transition, Amendment, or Surrender.\n\n3.  Find your license type:\n\n    1.  Enter a keyword in the search box to filter results \\(for example, type `mortgage`\\).\n\n    2.  Use the arrow \\(**>**\\) controls to expand each agency’s list of available license types.\n\n4.  Select the checklist\\(s\\) to export.\n\n    **Note:** Use the radio button to the left of the license name to make your selection. Clicking directly on a license name clears any prior selection.\n\n5.  Click **Export Checklist**.\n\n    **Note:** Your browser downloads the selected checklist\\(s\\) as PDF files. Review these PDFs to identify requirements your company must complete inside NMLS and any actions required outside NMLS.\n\n**Parent topic:**Gathering Requirements",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_newAppCklistCompiler_using-1_4.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_newAppCklistCompiler_using-1_4.md",
      "headings": [
        "Using the Checklist Compiler {#licComp_usingTheChecklistCompilerForNewApplications .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_newAppCklistCompiler_using-1_4.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_newAppCklistCompiler_using-1_5.md:chunk-0",
      "title": "Using the Checklist Compiler {#licComp_usingTheChecklistCompilerForNewApplications .task}",
      "content": "# Using the Checklist Compiler \n\nUse the Checklist Compiler on the NMLS Resource Center to find and export state licensing checklists that outline what requirements you must complete for an NMLS filing \\(including tasks inside and outside NMLS\\).\n\nThe Checklist Compiler lets you search for and export state licensing checklists for NMLS filings. The exported checklists summarize requirements you must complete both within NMLS and with state agencies outside of NMLS.\n\n1.  Navigate to the State Licensing Checklist Compiler.\n\n2.  In the Checklist Compiler, select the type of filing you are trying to submit.\n\n    New Application, Transition, Amendment, or Surrender.\n\n3.  Find your license type:\n\n    1.  Enter a keyword in the search box to filter results \\(for example, type `mortgage`\\).\n\n    2.  Use the arrow \\(**>**\\) controls to expand each agency’s list of available license types.\n\n4.  Select the checklist\\(s\\) to export.\n\n    **Note:** Use the radio button to the left of the license name to make your selection. Clicking directly on a license name clears any prior selection.\n\n5.  Click **Export Checklist**.\n\n    **Note:** Your browser downloads the selected checklist\\(s\\) as PDF files. Review these PDFs to identify requirements your company must complete inside NMLS and any actions required outside NMLS.\n\n**Parent topic:**Gathering Requirements",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_newAppCklistCompiler_using-1_5.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_newAppCklistCompiler_using-1_5.md",
      "headings": [
        "Using the Checklist Compiler {#licComp_usingTheChecklistCompilerForNewApplications .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_newAppCklistCompiler_using-1_5.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_newAppCklistCompiler_using-2.md:chunk-0",
      "title": "Using the Checklist Compiler {#licComp_usingTheChecklistCompilerForNewApplications .task}",
      "content": "# Using the Checklist Compiler \n\nUse the Checklist Compiler on the NMLS Resource Center to find and export state licensing checklists that outline what requirements you must complete for an NMLS filing \\(including tasks inside and outside NMLS\\).\n\nThe Checklist Compiler lets you search for and export state licensing checklists for NMLS filings. The exported checklists summarize requirements you must complete both within NMLS and with state agencies outside of NMLS.\n\n1.  Navigate to the State Licensing Checklist Compiler.\n\n2.  In the Checklist Compiler, select the type of filing you are trying to submit.\n\n    New Application, Transition, Amendment, or Surrender.\n\n3.  Find your license type:\n\n    1.  Enter a keyword in the search box to filter results \\(for example, type `mortgage`\\).\n\n    2.  Use the arrow \\(**>**\\) controls to expand each agency’s list of available license types.\n\n4.  Select the checklist\\(s\\) to export.\n\n    **Note:** Use the radio button to the left of the license name to make your selection. Clicking directly on a license name clears any prior selection.\n\n5.  Click **Export Checklist**.\n\n    **Note:** Your browser downloads the selected checklist\\(s\\) as PDF files. Review these PDFs to identify requirements your company must complete inside NMLS and any actions required outside NMLS.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_newAppCklistCompiler_using-2.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_newAppCklistCompiler_using-2.md",
      "headings": [
        "Using the Checklist Compiler {#licComp_usingTheChecklistCompilerForNewApplications .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_newAppCklistCompiler_using-2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_newAppCklistCompiler_using.md:chunk-0",
      "title": "Using the Checklist Compiler {#licComp_usingTheChecklistCompilerForNewApplications .task}",
      "content": "# Using the Checklist Compiler \n\nUse the Checklist Compiler on the NMLS Resource Center to find and export state licensing checklists that outline what requirements you must complete for an NMLS filing \\(including tasks inside and outside NMLS\\).\n\nThe Checklist Compiler lets you search for and export state licensing checklists for NMLS filings. The exported checklists summarize requirements you must complete both within NMLS and with state agencies outside of NMLS.\n\n1.  Navigate to the State Licensing Checklist Compiler.\n\n2.  In the Checklist Compiler, select the type of filing you are trying to submit.\n\n    New Application, Transition, Amendment, or Surrender.\n\n3.  Find your license type:\n\n    1.  Enter a keyword in the search box to filter results \\(for example, type `mortgage`\\).\n\n    2.  Use the arrow \\(**>**\\) controls to expand each agency’s list of available license types.\n\n4.  Select the checklist\\(s\\) to export.\n\n    **Note:** Use the radio button to the left of the license name to make your selection. Clicking directly on a license name clears any prior selection.\n\n5.  Click **Export Checklist**.\n\n    **Note:** Your browser downloads the selected checklist\\(s\\) as PDF files. Review these PDFs to identify requirements your company must complete inside NMLS and any actions required outside NMLS.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_newAppCklistCompiler_using.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_newAppCklistCompiler_using.md",
      "headings": [
        "Using the Checklist Compiler {#licComp_usingTheChecklistCompilerForNewApplications .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_newAppCklistCompiler_using.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_newMU1application_attest.md:chunk-0",
      "title": "Attesting and Submitting a New MU1 Application {#licComp_newMU1application_attest .task}",
      "content": "# Attesting and Submitting a New MU1 Application \n\nComplete the final step of the MU1 new application process by legally attesting to the filing information and submitting it to state regulators through NMLS.\n\nThe **Attest and Submit** option is the final step when filing a Company \\(MU1\\) Form for a new license application. This action is only available after the filing passes all completeness checks, including all associated Individual \\(MU2\\) Form attestations. The attestation must display the name of a natural person after the word “I” and the applicant or licensee’s name after the word “of.” Selecting this option constitutes a legal attestation to all states in which the company is applying for or maintaining a license through NMLS. For authoritative requirements, see the NMLS Policy Guide.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Select **Filing** > **Company \\(MU1\\)** from the menu.\n\n    The Company Filing screen is displayed.\n\n4.  Select **Create New Filing**.\n\n    The Company Form \\(MU1\\) opens, beginning on the Business Activities screen.\n\n5.  Select **Attest and Submit** from the left navigation panel.\n\n    **Note:** If errors are listed, click the section link to navigate to the issue, correct it, and return to the **Attest and Submit** section. Repeat until all errors are resolved.\n\n    **Note:** The Bonds Pending Action section may not be available if no bonds are in the Pending Action list. In that case, confirm authority has been granted to the corresponding surety and contact the surety to check on the process. See Managing NMLS Electronic Surety Bonds for Licensees for more information.\n\n6.  Review the attestation language displayed in the **Attest and Submit** section.\n\n7.  Select the checkbox next to “I verify that I am the named person above and that I am authorized to attest and submit this filing on behalf of the Applicant.”\n\n8.  Click **Attest and Submit**.\n\n9.  If applicable, complete the",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_newMU1application_attest.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_newMU1application_attest.md",
      "headings": [
        "Attesting and Submitting a New MU1 Application {#licComp_newMU1application_attest .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_newMU1application_attest.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_newMU1application_attest.md:chunk-1",
      "title": "Attesting and Submitting a New MU1 Application {#licComp_newMU1application_attest .task}",
      "content": " to “I verify that I am the named person above and that I am authorized to attest and submit this filing on behalf of the Applicant.”\n\n8.  Click **Attest and Submit**.\n\n9.  If applicable, complete the payment process on the one-time payment page.\n\n    **Note:** NMLS accepts payment by credit card \\(Visa or MasterCard\\) or ACH transfer. Once payment is successfully submitted, the filing becomes viewable by the regulator\\(s\\).\n\n    **Note:** For details on applicable fees, see NMLS Processing Fees.\n\n-   **Paying for a Company MU1 New Application Filing**  \nComplete the one-time payment steps to submit your MU1 new application filing after attesting and submitting in NMLS.\n\n**Parent topic:**Attest and Submit",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_newMU1application_attest.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_newMU1application_attest.md",
      "headings": [
        "Attesting and Submitting a New MU1 Application {#licComp_newMU1application_attest .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_newMU1application_attest.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_ownersExec_identifyting.md:chunk-0",
      "title": "Identifying Direct Owners and Executive Officers {#licComp_ownersExec_identifyting .task}",
      "content": "# Identifying Direct Owners and Executive Officers \n\nIdentify all individuals and entities that meet NMLS definitions for direct owners and executive officers, and complete the required fields in the MU1 filing.\n\nUse the Direct Owners and Executive Officers section of the Company \\(MU1\\) Form to list all persons or companies that meet the NMLS definitions of direct owner or executive officer. Direct owners include any person or entity with the right to vote, sell, or direct the sale of 10% or more of a class of voting securities, or with a corresponding ownership interest in the company. Executive officers include senior corporate officers and individuals with significant functional responsibility for the company’s operations or compliance. All natural persons listed must complete and submit an Individual \\(MU2\\) Form and maintain their own NMLS account. Many states require an Advance Change Notice before making changes to direct owners or executive officers—refer to Advance Change Notice for Company MU1 Amendments and the State Licensing Checklist Compiler for requirements. For authoritative definitions and requirements, see the NMLS Policy Guide.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Select **Filing** > **Company \\(MU1\\)** from the menu.\n\n    The Company Filing screen is displayed.\n\n4.  Select **Create New Filing**.\n\n    The Company Form \\(MU1\\) opens, beginning on the Business Activities screen.\n\n5.  Open the Direct Owners and Executive Officers section.\n\n6.  To add an individual:\n\n    1.  Click **Add Individual**.\n\n    2.  Search by **Individual ID**, **License Number**, or **First Name** and **Last Name**, then click **Search**.\n\n        **Note:** If no results are returned, click **Create Individual** and complete all required fields.\n\n    3.  Select the correct individual and complete required fields, including title and percentage of ownership.\n\n        **Note:** Ownership percentages for all owners co",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_ownersExec_identifyting.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_ownersExec_identifyting.md",
      "headings": [
        "Identifying Direct Owners and Executive Officers {#licComp_ownersExec_identifyting .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_ownersExec_identifyting.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_ownersExec_identifyting.md:chunk-1",
      "title": "Identifying Direct Owners and Executive Officers {#licComp_ownersExec_identifyting .task}",
      "content": "mplete all required fields.\n\n    3.  Select the correct individual and complete required fields, including title and percentage of ownership.\n\n        **Note:** Ownership percentages for all owners combined cannot exceed 100% at any given time.\n\n    4.  Click **Save**.\n\n7.  To add a company:\n\n    1.  Click **Add Company**.\n\n    2.  Search by **Company ID**, **License Number**, or **Entity Name**, then click **Search**.\n\n        **Note:** If needed, click **New Direct Owner** to create a base record and complete all required fields.\n\n    3.  Complete required fields, including percentage of ownership, and click **Save**.\n\n8.  To amend a percentage of ownership:\n\n    1.  Click the **Edit** icon next to the record.\n\n    2.  Select “Do you want to amend the Percentage of Ownership?” and enter a new value.\n\n        **Note:** The effective date must be entered and cannot be in the past. Set percentage to 0% before removing an owner.\n\n    3.  Click **Save**.\n\n9.  To remove a direct owner or executive officer:\n\n    1.  Click the **Delete** icon next to the record.\n\n    2.  Enter the percentage of ownership at removal and an effective date \\(cannot be in the past\\).\n\n    3.  Click **Save**.\n\n10. Complete a completeness check to confirm the section is error-free before attesting and submitting the MU1 filing.\n\n**Parent topic:**Direct Owners, Executive Officers, and Corporate Governance\n\n**Target**  \n\nAttesting and Submitting a New MU1 Application",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_ownersExec_identifyting.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_ownersExec_identifyting.md",
      "headings": [
        "Identifying Direct Owners and Executive Officers {#licComp_ownersExec_identifyting .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_ownersExec_identifyting.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_payingForACompanyMu1NewApplicationFiling.md:chunk-0",
      "title": "Paying for a Company MU1 New Application Filing {#licComp_payingForACompanyMu1NewApplicationFiling .task}",
      "content": "# Paying for a Company MU1 New Application Filing \n\nComplete the one-time payment steps to submit your MU1 new application filing after attesting and submitting in NMLS.\n\nAfter you click **Attest and Submit** for a new MU1 filing, NMLS opens the One Time Payment flow \\(Step 1 of 3\\). Follow the on-screen prompts to provide payment information and finalize the filing. NMLS processing fees are non‑refundable; state agency fee refundability varies by state requirements—see State Licensing Checklist Compiler. For a general overview of fees, see NMLS Processing Fees.\n\n1.  Review the invoice details.\n\n    **Note:** The page displays **Payment Amount**, **Payment Date**, and **User ID**.\n\n2.  Select a **Payment Type**.\n\n    -   **Bank Account \\(ACH\\)**\n    -   **Credit Card** \\(a service fee may apply\\)\n    **Note:** Debit cards are not accepted as debit; cards with a Visa or MasterCard logo may be processed as credit.\n\n3.  If paying by bank account \\(ACH\\), enter the required bank information.\n\n    1.  Select **Account Type** \\(for example, **Checking**\\).\n\n    2.  Enter the **ABA Routing \\#** and **Bank Account \\#**.\n\n    3.  Enter the **Bank Account Holder’s Full Name**.\n\n    4.  Enter a **Saved Bank Account Name** and select **Save this payment information for future payments** if desired.\n\n    **Note:** Ensure the account has sufficient funds and, if required by your institution, is pre‑authorized for ACH transactions to avoid returned payments.\n\n4.  If paying by credit card, enter the required card and billing information on screen.\n\n    **Note:** Only major credit cards supported by NMLS are accepted. A service fee may apply.\n\n5.  Select **Next** to proceed. The payment flow includes three steps:\n\n    1.  Enter data.\n\n    2.  Review data and confirm.\n\n    3.  Submit payment.\n\n    **Note:** After successful payment, the filing becomes viewable to the regulator\\(s\\). Select **Cancel Payment** to stop if you are not ready to proceed.\n\n**Parent topic:**Attesting and Sub",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_payingForACompanyMu1NewApplicationFiling.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_payingForACompanyMu1NewApplicationFiling.md",
      "headings": [
        "Paying for a Company MU1 New Application Filing {#licComp_payingForACompanyMu1NewApplicationFiling .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_payingForACompanyMu1NewApplicationFiling.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_payingForACompanyMu1NewApplicationFiling.md:chunk-1",
      "title": "Paying for a Company MU1 New Application Filing {#licComp_payingForACompanyMu1NewApplicationFiling .task}",
      "content": "ment.\n\n    **Note:** After successful payment, the filing becomes viewable to the regulator\\(s\\). Select **Cancel Payment** to stop if you are not ready to proceed.\n\n**Parent topic:**Attesting and Submitting a New MU1 Application\n\n**NMLS Reference Guide**  \n\nNMLS Processing Fees\n\nCorrecting Failed Payments\n\nNMLS Payment Options\n\n**NMLS Resource Center**  \n\nState Licensing Checklist Compiler\n\nState Renewals Checklist Compiler\n\nNMLS Resource Center Home\n\nNMLS Call Center",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_payingForACompanyMu1NewApplicationFiling.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_payingForACompanyMu1NewApplicationFiling.md",
      "headings": [
        "Paying for a Company MU1 New Application Filing {#licComp_payingForACompanyMu1NewApplicationFiling .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_payingForACompanyMu1NewApplicationFiling.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_processOverview.md:chunk-0",
      "title": "Licensing Process Overview for Companies {#xd_8c378acf17e6db4e-20399840-199489f9add--7ff5 .concept}",
      "content": "# Licensing Process Overview for Companies \n\nProvides a high-level overview of the steps for obtaining a state license or registration through NMLS.\n\nCompanies maintain a single core record in NMLS through the **Company \\(MU1\\) Form**. This record is supplemented by **Individual \\(MU2\\) Forms** for control persons, executive officers, and qualifying individuals, and by **Branch \\(MU3\\) Forms** for branch offices. The licensing process is completed by submitting coordinated filings through NMLS and responding to regulator requests.\n\n## 1. Gathering Requirements { .section}\n\nBefore creating an MU1 filing, companies should review requirements using the State Licensing Checklist Compiler. State requirements may include financial statements, surety bonds, and other supporting documentation.\n\n## 2. Preparing the Company \\(MU1\\) Form { .section}\n\nThe MU1 Form establishes the company’s core record. Companies must provide information such as legal name, main and branch addresses, business activities, and contact details.\n\n## 3. Adding Individuals \\(MU2 Forms\\) { .section}\n\nIndividuals serving as control persons, executive officers, or qualifying individuals must be identified in the MU1 filing. Each person completes and attests to a linked MU2 Form in NMLS.\n\n## 4. Adding Branches \\(MU3 Forms\\) { .section}\n\nIf the company operates multiple locations, an MU3 Form must be filed for each branch conducting licensed activities.\n\n## 5. Submission and Fees { .section}\n\nAfter completing all required sections, the company attests to and submits the MU1 filing through NMLS, paying all applicable system and state fees.\n\n## 6. Regulator Review { .section}\n\nState regulators review the filing and issue `license items` in NMLS for the company to address, such as requests for additional documentation or clarifications.\n\n## 7. Approval { .section}\n\nWhen all requirements are satisfied, the regulator approves the license application. The license appears in NMLS and becomes active, allowing the ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_processOverview.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_processOverview.md",
      "headings": [
        "Licensing Process Overview for Companies {#xd_8c378acf17e6db4e-20399840-199489f9add--7ff5 .concept}",
        "1. Gathering Requirements { .section}",
        "2. Preparing the Company \\(MU1\\) Form { .section}",
        "3. Adding Individuals \\(MU2 Forms\\) { .section}",
        "4. Adding Branches \\(MU3 Forms\\) { .section}",
        "5. Submission and Fees { .section}",
        "6. Regulator Review { .section}",
        "7. Approval { .section}",
        "8. Continuing Obligations and Renewal { .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_processOverview.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_processOverview.md:chunk-1",
      "title": "Licensing Process Overview for Companies {#xd_8c378acf17e6db4e-20399840-199489f9add--7ff5 .concept}",
      "content": "ation or clarifications.\n\n## 7. Approval { .section}\n\nWhen all requirements are satisfied, the regulator approves the license application. The license appears in NMLS and becomes active, allowing the company to conduct business in the approved jurisdiction\\(s\\).\n\n## 8. Continuing Obligations and Renewal { .section}\n\nLicensed companies must maintain their records in NMLS by filing amendments when information changes, completing required reports, and renewing their licenses annually during the **Renewal Period \\(November 1–December 31\\)**.\n\n-   **Do You Need a State License or Registration?**  \nState licenses or registrations are required for state-regulated non-bank entities.\n\n**NMLS Help**  \n\nAccount Administration\n\nChoosing Your Account Adminitstrators\n\nNMLS Two-Factor Authentication\n\nRequest an Individual Account\n\nNMLS Account Recovery\n\nManaging NMLS User Profiles\n\n**NMLS Resource Center**  \n\nState Licensing Checklist Compiler\n\nState Renewals Checklist Compiler\n\nNMLS Resource Center Home\n\nNMLS Call Center",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_processOverview.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_processOverview.md",
      "headings": [
        "Licensing Process Overview for Companies {#xd_8c378acf17e6db4e-20399840-199489f9add--7ff5 .concept}",
        "1. Gathering Requirements { .section}",
        "2. Preparing the Company \\(MU1\\) Form { .section}",
        "3. Adding Individuals \\(MU2 Forms\\) { .section}",
        "4. Adding Branches \\(MU3 Forms\\) { .section}",
        "5. Submission and Fees { .section}",
        "6. Regulator Review { .section}",
        "7. Approval { .section}",
        "8. Continuing Obligations and Renewal { .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_processOverview.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_providingApprovalsAndDesignations.md:chunk-0",
      "title": "Providing Approvals and Designations {#licComp_providingApprovalsAndDesignations .task}",
      "content": "# Providing Approvals and Designations \n\nIdentify and document all approvals and designations held by the company in the MU1 filing, including any required explanations or related business disclosures.\n\nUse the Approvals and Designations section of the Company \\(MU1\\) Form to identify all approvals and designations currently held by the company. If an approval or designation is not represented by the provided list, select **Other Approval/Designation** and enter a description. Applicants or licensees that are Fannie Mae or Freddie Mac Seller/Servicers, or Ginnie Mae Issuers, may be required to complete the Expanded Mortgage Call Report \\(MCR\\) if it is a licensure requirement. For money transmitter license types, provide FinCEN registration information as applicable. For state-specific requirements, see the State Licensing Checklist Compiler. For authoritative definitions and requirements, see the NMLS Policy Guide.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Select **Filing** > **Company \\(MU1\\)** from the menu.\n\n    The Company Filing screen is displayed.\n\n4.  Select **Create New Filing**.\n\n    The Company Form \\(MU1\\) opens, beginning on the Business Activities screen.\n\n5.  Open the Approvals and Designations section.\n\n6.  Select all applicable approvals and designations from the list.\n\n    **Note:** If selecting **Other Approval/Designation**, enter a brief description in the provided field.\n\n7.  Answer the business relationship questions:\n\n    1.  For “Will the entity engage in any non-financial services related businesses?”, select **Yes** or **No**.\n\n        **Note:** If **Yes**, provide the business name and describe the type of non-financial services related business.\n\n    2.  For “Will the entity occupy or share space with any person\\(s\\) engaged in financial services-related activity?”, select **Yes** or **No**.\n\n        **Note:** If **Yes**, provide the name of the other business and describe the type of",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_providingApprovalsAndDesignations.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_providingApprovalsAndDesignations.md",
      "headings": [
        "Providing Approvals and Designations {#licComp_providingApprovalsAndDesignations .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_providingApprovalsAndDesignations.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_providingApprovalsAndDesignations.md:chunk-1",
      "title": "Providing Approvals and Designations {#licComp_providingApprovalsAndDesignations .task}",
      "content": "re space with any person\\(s\\) engaged in financial services-related activity?”, select **Yes** or **No**.\n\n        **Note:** If **Yes**, provide the name of the other business and describe the type of financial services related activity.\n\n8.  If applicable, provide FinCEN registration information for money transmitter license types.\n\n9.  Click **Save**.\n\n    **Note:** Companies that are Fannie Mae or Freddie Mac Seller/Servicers or Ginnie Mae Issuers may be required to complete the Expanded MCR.\n\n**Parent topic:**Approvals and Designations\n\n**Target**  \n\nAttesting and Submitting a New MU1 Application",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_providingApprovalsAndDesignations.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_providingApprovalsAndDesignations.md",
      "headings": [
        "Providing Approvals and Designations {#licComp_providingApprovalsAndDesignations .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_providingApprovalsAndDesignations.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_providingBooksAndRecordsInformation.md:chunk-0",
      "title": "Providing Books and Records Information {#licComp_providingBooksAndRecordsInformation .task}",
      "content": "# Providing Books and Records Information \n\nList the location\\(s\\) where the company’s books and records are stored, along with contact details and related information, in the MU1 filing.\n\nUse the Books and Records section of the Company \\(MU1\\) Form to identify the location\\(s\\) where the company’s books and records are stored, and the contact person\\(s\\) at those locations. Multiple custodians may be listed, with each assigned by industry type\\(s\\) and state\\(s\\). Use the **Comments** field to describe the types of records maintained at the location. Check the State Licensing Checklist Compiler for any state-specific requirements. For authoritative definitions and requirements, see the NMLS Policy Guide.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Select **Filing** > **Company \\(MU1\\)** from the menu.\n\n    The Company Filing screen is displayed.\n\n4.  Select **Create New Filing**.\n\n    The Company Form \\(MU1\\) opens, beginning on the Business Activities screen.\n\n5.  Open the Books and Records section.\n\n6.  Select **Add**.\n\n7.  Complete all required fields, including company name, address, and contact person details.\n\n8.  Select the applicable **Industry Type\\(s\\)** and **State\\(s\\)**.\n\n9.  Enter details in the **Comments** field to describe the types of records maintained at the location.\n\n10. Select **Save**.\n\n11. Repeat to add additional Books and Records locations as needed.\n\n    **Note:** To update or remove an existing record custodian, select the **Edit** icon and make changes, or delete the record.\n\n**Parent topic:**Books and Records Information\n\n**Target**  \n\nAttesting and Submitting a New MU1 Application",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_providingBooksAndRecordsInformation.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_providingBooksAndRecordsInformation.md",
      "headings": [
        "Providing Books and Records Information {#licComp_providingBooksAndRecordsInformation .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_providingBooksAndRecordsInformation.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_providingDisclosureExplanations.md:chunk-0",
      "title": "Providing Disclosure Explanations {#licComp_providingDisclosureExplanations .task}",
      "content": "# Providing Disclosure Explanations \n\nProvide explanations for all disclosure questions answered “Yes,” optionally clarify selected “No” responses, and manage supporting documentation in the MU1 filing.\n\nUse the Disclosure Explanations section of the Company \\(MU1\\) Form to provide an explanation for each disclosure question answered “Yes”. You may also provide an explanation to clarify certain “No” responses. Each explanation should describe a single event \\(for example, a court order, regulatory action, or civil settlement\\). A single explanation can be associated with multiple disclosure questions, and multiple explanations can be associated with a single question. Only one PDF supporting file may be uploaded per event; if multiple documents exist for an event, combine them into one PDF before upload. For state‑specific expectations \\(including when explanations or documentation are required\\), see the State Licensing Checklist Compiler. For authoritative definitions and requirements, see the NMLS Policy Guide.\n\n1.  Navigate to the NMLS Login page.\n\n    -   State context.\n    -   Federal context.\n2.  Select **Filing** > **Company \\(MU1\\)** from the menu.\n\n    The Company Filing screen is displayed.\n\n3.  Select **Create New Filing**.\n\n    The Company Form \\(MU1\\) opens, beginning on the Business Activities screen.\n\n4.  Open the Disclosure Explanations section.\n\n5.  To add an explanation for a “Yes” response:\n\n    1.  Click **Add Explanation for “Yes” Responses**.\n\n    2.  Complete required fields, including **Brief Description of Explanation**, **Disposition** \\(and **Disposition Description** if “Other”\\), and **Event Explanation Detail**.\n\n        **Note:** The **Event Explanation Detail** must clearly describe the single event and include the date. Text may be proofed using the spell‑check control, if available.\n\n    3.  Select the applicable disclosure questions for this event in **Applicable Questions**.\n\n    4.  \\(Optional\\) Click **Browse** to upload one PD",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_providingDisclosureExplanations.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_providingDisclosureExplanations.md",
      "headings": [
        "Providing Disclosure Explanations {#licComp_providingDisclosureExplanations .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_providingDisclosureExplanations.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_providingDisclosureExplanations.md:chunk-1",
      "title": "Providing Disclosure Explanations {#licComp_providingDisclosureExplanations .task}",
      "content": "fed using the spell‑check control, if available.\n\n    3.  Select the applicable disclosure questions for this event in **Applicable Questions**.\n\n    4.  \\(Optional\\) Click **Browse** to upload one PDF **Supporting File** for the event.\n\n        **Note:** Do not combine documentation for multiple events into one file. If multiple documents exist for a single event, combine them into one PDF and upload that file.\n\n    5.  Click **Save**.\n\n6.  To add an explanation for a “No” response:\n\n    1.  Click **Add Explanation for “No” Responses**.\n\n    2.  Complete required fields, including **Brief Description of Explanation**, **Disposition** \\(and **Disposition Description** if “Other”\\), and **Event Explanation Detail**.\n\n    3.  Select the applicable **Disclosure Question Category**\\(ies\\).\n\n    4.  \\(Optional\\) Upload a single PDF supporting file, if needed.\n\n    5.  Click **Save**.\n\n7.  To update an existing explanation:\n\n    1.  Click the **Edit** icon next to the explanation.\n\n    2.  Click **Amend**, update fields, and enter an **Amendment Reason** \\(required\\).\n\n    3.  Click **Save**.\n\n8.  To delete an existing explanation:\n\n    1.  Click the **Edit** icon next to the explanation and then click **Delete**.\n\n    2.  Enter the **Reason for Deleting the Explanation** \\(required\\) and click **Save**.\n\n    3.  Click **OK** to confirm deletion.\n\n9.  To undo recent changes to an explanation:\n\n    1.  Click the **Undo** icon next to the explanation.\n\n    2.  Click **OK** to confirm.\n\n-   **Providing Disclosure Explanations**  \nHow to provide disclosure explanations in NMLS.\n\n**Parent topic:**Disclosure Explanations\n\n**Target**  \n\nAttesting and Submitting a New MU1 Application",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_providingDisclosureExplanations.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_providingDisclosureExplanations.md",
      "headings": [
        "Providing Disclosure Explanations {#licComp_providingDisclosureExplanations .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_providingDisclosureExplanations.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_qualifyingInd_identifying.md:chunk-0",
      "title": "Identifying Qualifying Individuals {#licComp_identifyingQualifyingIndividuals .task}",
      "content": "# Identifying Qualifying Individuals \n\nIdentify and maintain the company’s Qualifying Individual \\(QI\\) in the MU1 filing; updates may require advance notice and trigger an MU2 filing for the individual.\n\nUse the Qualifying Individuals section of the Company \\(MU1\\) Form to designate the individual who meets state-specific requirements to represent the company. Jurisdictions may use different terms for this role \\(for example, “Qualified Person in Charge \\(QPIC\\)” or “Managing Principal”\\) and impose education, experience, or testing requirements. Many states require an Advance Change Notice before changing a Qualifying Individual; consult the State Licensing Checklist Compiler for details. For authoritative definitions and requirements, see the NMLS Policy Guide.\n\n**Important:** Identifying a Qualifying Individual triggers an Individual \\(MU2\\) Form requirement for that person. The individual must have an NMLS account to complete and attest to the MU2.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Select **Filing** > **Company \\(MU1\\)** from the menu.\n\n    The Company Filing screen is displayed.\n\n4.  Select **Create New Filing**.\n\n    The Company Form \\(MU1\\) opens, beginning on the Business Activities screen.\n\n5.  Open the Qualifying Individuals section.\n\n6.  To add a Qualifying Individual:\n\n    1.  Click **Add**.\n\n    2.  Search by **Individual ID**, **License Number**, or **First Name** and **Last Name**, then click **Search**.\n\n        **Note:** If the person is not found, click **Create Individual** and complete the required fields.\n\n    3.  Select the individual and complete required fields \\(for example, title, business address, and any state/industry assignment fields shown\\).\n\n    4.  Click **Save**.\n\n7.  To amend State\\(s\\) or Industry Type\\(s\\) for an existing Qualifying Individual:\n\n    1.  Click the **Edit** icon.\n\n    2.  Select “Do you want to amend the State or Industry Type?” and modify the informati",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_qualifyingInd_identifying.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_qualifyingInd_identifying.md",
      "headings": [
        "Identifying Qualifying Individuals {#licComp_identifyingQualifyingIndividuals .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_qualifyingInd_identifying.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_qualifyingInd_identifying.md:chunk-1",
      "title": "Identifying Qualifying Individuals {#licComp_identifyingQualifyingIndividuals .task}",
      "content": "nd State\\(s\\) or Industry Type\\(s\\) for an existing Qualifying Individual:\n\n    1.  Click the **Edit** icon.\n\n    2.  Select “Do you want to amend the State or Industry Type?” and modify the information as needed.\n\n        **Note:** The **Effective Date** is required and cannot be in the past.\n\n    3.  Click **Save**.\n\n8.  To amend the Title or Business Address for an existing Qualifying Individual:\n\n    1.  Click the **Edit** icon.\n\n    2.  Update the **Title** and/or **Business Address** fields.\n\n    3.  Click **Save**.\n\n9.  To remove a Qualifying Individual:\n\n    1.  Click the **Delete** icon next to the record.\n\n    2.  Enter the required **Effective Date** \\(cannot be in the past\\) and any additional information requested.\n\n    3.  Click **Save**.\n\n10. Confirm the section is error‑free via completeness check, and ensure the identified individual completes and attests to their MU2 filing.\n\n**Parent topic:**Qualifying Individuals\n\n**Target**  \n\nAttesting and Submitting a New MU1 Application",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_qualifyingInd_identifying.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_qualifyingInd_identifying.md",
      "headings": [
        "Identifying Qualifying Individuals {#licComp_identifyingQualifyingIndividuals .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_qualifyingInd_identifying.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_relevantBizActivity_selecting.md:chunk-0",
      "title": "Selecting Relevant Business Activities {#licComp_selectingRelevantBusinessActivities .task}",
      "content": "# Selecting Relevant Business Activities \n\nChoose the business activities that accurately reflect the services your company provides to ensure proper license application and regulatory oversight.\n\nDuring the Company MU1 filing process, you must identify the business activities your company conducts or intends to conduct. The selected business activities in this section will allow the system to provide you with a list of licenses for which you may apply. Carefully reviewing and selecting the relevant activities is essential for accurate application processing.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Select **Filing** > **Company \\(MU1\\)** from the menu.\n\n    The Company Filing screen is displayed.\n\n4.  Select **Create New Filing**.\n\n    The Company Form \\(MU1\\) opens, beginning on the Business Activities screen.\n\n5.  Click **Add Activity** to identify the business activities conducted by your company regardless of the type of license for which you are applying.\n\n6.  Select the appropriate states in which you conduct any of the selected activities.\n\n7.  Click **Next**.\n\n8.  Associate specific activities to the applicable states.\n\n9.  Click **Next**.\n\n10. Confirm your selections.\n\n11. Click **Request License**.\n\n**Parent topic:**Business Activities\n\n**Target**  \n\nAttesting and Submitting a New MU1 Application",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_relevantBizActivity_selecting.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_relevantBizActivity_selecting.md",
      "headings": [
        "Selecting Relevant Business Activities {#licComp_selectingRelevantBusinessActivities .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_relevantBizActivity_selecting.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_renew_LicRegRenewalCompany_requesting.md:chunk-0",
      "title": "Requesting NMLS Annual Renewal for Company Licenses or Registrations {#licComp_renew_requestingNmlsAnnualRenewalForCompanyLicensesOrRegistrations .concept}",
      "content": "# Requesting NMLS Annual Renewal for Company Licenses or Registrations \n\nOverview of how companies can request annual renewal of their licenses or registrations in NMLS, including available submission methods, attestation, and payment.\n\nCompanies can submit annual renewal requests for their licenses and registrations in NMLS beginning November 1. Renewal requests must be completed by December 31 to avoid license expiration. If allowed by the regulator, companies may also reinstate licenses during January and February.\n\nNMLS provides multiple tools for requesting renewal, depending on company size and preference. Companies must also ensure that the required individual attestations are completed and that all renewal fees are paid before submission.\n\n-   **Requesting NMLS Annual Renewal for Company Licenses or Registrations via the Renewal Dashboard**  \nSubmit license or registration renewal requests through the NMLS Renewal Dashboard by selecting licenses, confirming eligibility, and completing the renewal submission process.\n-   **Requesting NMLS Annual Renewal for Company Licenses or Registrations via the Renewal Selection List**  \nSubmit license or registration renewal requests using the NMLS Renewal Selection List by filtering, selecting, and confirming eligible licenses for renewal.\n-   **Attesting and Paying for NMLS Annual Renewal for Company Licenses or Registrations**  \nSubmit payment for annual license or registration renewal in NMLS using accepted payment methods and confirm fees before completing the transaction.\n\n**Parent topic:**Renewing Company Licenses or Registrations",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_renew_LicRegRenewalCompany_requesting.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_renew_LicRegRenewalCompany_requesting.md",
      "headings": [
        "Requesting NMLS Annual Renewal for Company Licenses or Registrations {#licComp_renew_requestingNmlsAnnualRenewalForCompanyLicensesOrRegistrations .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_renew_LicRegRenewalCompany_requesting.html",
      "snippet": null
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    {
      "id": "maps/NMLS/licensing/company/topics/licComp_renew_compLicReg_renewing.md:chunk-0",
      "title": "Renewing Company Licenses or Registrations {#licComp_renew_renewingCompanyLicensesOrRegistrations .concept}",
      "content": "# Renewing Company Licenses or Registrations \n\nLearn the basic concept of company license and registration renewals in NMLS and navigate to related renewal topics.\n\nEach year, companies licensed through NMLS must complete the annual renewal process to maintain their licenses or registrations. The renewal period runs from November 1 through December 31, with a reinstatement period offered by some state agencies from January 1 through the end of February.\n\nSee the Renewals for State-Licensed Companies self-paced e-learning course for a step-by-step walkthrough of the entire renewal process in NMLS.\n\nRenewals involve attesting to the accuracy of the company’s record, addressing any outstanding license items, and submitting the required fees through NMLS. Some states may have additional requirements communicated in renewal checklists.\n\nUse the links below to explore specific renewal activities and requirements:\n\n-   Preparing for NMLS Annual Renewal for Companies\n-   Requesting NMLS Annual Renewal for Company Licenses or Registrations\n-   Determining Renewal Status Using Composite View\n-   Managing NMLS Annual Renewal for MLO Licenses or Registrations\n\n-   **NMLS Annual Renewal Overview for Companies**  \nUnderstand the process and requirements for renewing company licenses or registrations in NMLS, including timelines, renewal eligibility, attestation, and submission of required fees and documentation.\n-   **Preparing for NMLS Annual Renewal for Companies**  \nIntroduction to the steps companies must take to prepare for the NMLS annual renewal process.\n-   **Requesting NMLS Annual Renewal for Company Licenses or Registrations**  \nOverview of how companies can request annual renewal of their licenses or registrations in NMLS, including available submission methods, attestation, and payment.\n-   **Choosing Do Not Renew for Company Licenses or Registrations**  \nLearn when and why companies may select the Do Not Renew option in NMLS for specific licenses or registrations, an",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_renew_compLicReg_renewing.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_renew_compLicReg_renewing.md",
      "headings": [
        "Renewing Company Licenses or Registrations {#licComp_renew_renewingCompanyLicensesOrRegistrations .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_renew_compLicReg_renewing.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_renew_compLicReg_renewing.md:chunk-1",
      "title": "Renewing Company Licenses or Registrations {#licComp_renew_renewingCompanyLicensesOrRegistrations .concept}",
      "content": "n, and payment.\n-   **Choosing Do Not Renew for Company Licenses or Registrations**  \nLearn when and why companies may select the Do Not Renew option in NMLS for specific licenses or registrations, and how to complete the action.\n-   **Troubleshooting Common Issues with NMLS Annual Renewal**  \nThis topic outlines common issues that may prevent successful license renewal in NMLS and offers guidance on how to resolve them.\n-   **Reinstating Company Licenses or Registrations**  \nLearn how companies can reinstate expired or lapsed licenses in NMLS if permitted by their state regulator.\n-   **Determining Renewal Status Using Composite View**  \nUse Composite View in NMLS to check and interpret the renewal status of company, branch, and sponsored individual licenses during the annual renewal period.\n-   **Managing NMLS Annual Renewal for MLO Licenses or Registrations**  \nOverview of how companies manage the annual renewal process for Mortgage Loan Originator \\(MLO\\) licenses and registrations in NMLS, including collaboration with MLOs to ensure timely and accurate renewals.\n\n**NMLS Reference Guide**  \n\nNMLS Processing Fees\n\nCorrecting Failed Payments\n\nNMLS Payment Options\n\n**NMLS Resource Center**  \n\nState Licensing Checklist Compiler\n\nState Renewals Checklist Compiler\n\nNMLS Resource Center Home\n\nNMLS Call Center",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_renew_compLicReg_renewing.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_renew_compLicReg_renewing.md",
      "headings": [
        "Renewing Company Licenses or Registrations {#licComp_renew_renewingCompanyLicensesOrRegistrations .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_renew_compLicReg_renewing.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_renew_compLicenseeRenew_requesting.md:chunk-0",
      "title": "Requesting NMLS Annual Renewal for Company Licenses or Registrations via the Renewal Selection List {#licComp_renew_requestingNmlsAnnualRenewalForCompanyLicensesOrRegistrationsRenewalSelectionList .task}",
      "content": "# Requesting NMLS Annual Renewal for Company Licenses or Registrations via the Renewal Selection List \n\nSubmit license or registration renewal requests using the NMLS Renewal Selection List by filtering, selecting, and confirming eligible licenses for renewal.\n\nThe Renewal Selection List is best suited for companies with fewer licenses or for those that prefer to select renewals individually. This list shows all licenses eligible for renewal and allows companies to mark licenses for renewal or indicate they do not intend to renew them.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Navigate to the Renewals Tab page in NMLS Classic.\n\n    -   Select **Renewal Home** in the Quick Links section.\n\n        \n\n    -   Select the **Renew** link next to the relevant license in the My Licenses section.\n\n        \n\n    You are navigated to NMLS Classic on the Renewals Tab.\n\n4.  Select the **Submit Company/Branch** link from the left navigation panel.\n\n5.  Filter the selected dashboard to see the licenses you want to renew.\n\n6.  Select the **checkbox** for the licenses you want to renew.\n\n7.  Select the **Apply Selections** button.\n\n8.  Select the **Proceed to Cart** button.\n\nAll renewal requests must be attested to and paid before submission is complete. For attestation instructions, see Attesting and Paying for NMLS Annual Renewal for Company Licenses or Registrations.\n\n**Parent topic:**Requesting NMLS Annual Renewal for Company Licenses or Registrations",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_renew_compLicenseeRenew_requesting.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_renew_compLicenseeRenew_requesting.md",
      "headings": [
        "Requesting NMLS Annual Renewal for Company Licenses or Registrations via the Renewal Selection List {#licComp_renew_requestingNmlsAnnualRenewalForCompanyLicensesOrRegistrationsRenewalSelectionList .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_renew_compLicenseeRenew_requesting.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_renew_companyLicReg_requesting.md:chunk-0",
      "title": "Requesting NMLS Annual Renewal for Company Licenses or Registrations via the Renewal Dashboard {#licComp_renew_requestingNmlsAnnualRenewalForCompanyLicensesOrRegistrationsViaTheRenewalDashboard .task}",
      "content": "# Requesting NMLS Annual Renewal for Company Licenses or Registrations via the Renewal Dashboard \n\nSubmit license or registration renewal requests through the NMLS Renewal Dashboard by selecting licenses, confirming eligibility, and completing the renewal submission process.\n\nThe Renewal Dashboard is designed for companies with many licenses to renew at once. It provides a consolidated view of company, branch, and sponsored individual licenses that are eligible for renewal. From this dashboard, companies can select licenses, view their eligibility, and proceed directly to submission and payment.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Navigate to the Renewals Tab page in NMLS Classic.\n\n    -   Select **Renewal Home** in the Quick Links section.\n\n        \n\n    -   Select the **Renew** link next to the relevant license in the My Licenses section.\n\n        \n\n    You are navigated to NMLS Classic on the Renewals Tab.\n\n4.  Select **View by State Agency** or **View by Location** from the left navigation panel.\n\n5.  Filter the selected dashboard to see the licenses you want to renew.\n\n6.  Select the **checkbox** for the licenses you want to renew.\n\n7.  Select the **Apply Selections** button.\n\n8.  Select the **Proceed to Cart** button.\n\nAll renewal requests must be attested to and paid before submission is complete. For attestation instructions, see Attesting and Paying for NMLS Annual Renewal for Company Licenses or Registrations.\n\n**Parent topic:**Requesting NMLS Annual Renewal for Company Licenses or Registrations",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_renew_companyLicReg_requesting.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_renew_companyLicReg_requesting.md",
      "headings": [
        "Requesting NMLS Annual Renewal for Company Licenses or Registrations via the Renewal Dashboard {#licComp_renew_requestingNmlsAnnualRenewalForCompanyLicensesOrRegistrationsViaTheRenewalDashboard .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_renew_companyLicReg_requesting.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_renew_doNotRenewLicenseReg_choosing.md:chunk-0",
      "title": "Choosing Do Not Renew for Company Licenses or Registrations {#licComp_renew_choosingDoNotRenewForCompanyLicensesOrRegustrations .task}",
      "content": "# Choosing Do Not Renew for Company Licenses or Registrations \n\nLearn when and why companies may select the Do Not Renew option in NMLS for specific licenses or registrations, and how to complete the action.\n\nCompanies may choose the Do Not Renew option in NMLS when they no longer intend to hold a license or registration in a given state. This informs the regulator that the company is voluntarily surrendering the license rather than renewing it.\n\nImportant considerations include:\n\n-   Marking a license as Do Not Renew is a binding action once the regulator processes it. Companies should be certain of their decision before submission.\n-   Depending on state law or agency policy, selecting Do Not Renew may require additional filings or documentation outside NMLS. Refer to the appropriate state checklist in the Annual Renewal Checklist.\n-   Some regulators treat a Do Not Renew action as a license surrender, which can impact the company’s ability to reapply later.\n-   Individual licenses sponsored by the company cannot be marked Do Not Renew on the company’s behalf. Only the individual licensee can take this action for their own record.\n\nIf a license was marked as Do Not Renew in error, companies may be able to recall it before the regulator has acted. See Recalling a License Marked Do Not Renew for details.\n\nFor authoritative definitions and requirements, see the NMLS Policy Guide.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Navigate to the Renewals Tab page in NMLS Classic.\n\n    -   Select **Renewal Home** in the Quick Links section.\n\n        \n\n    -   Select the **Renew** link next to the relevant license in the My Licenses section.\n\n        \n\n    You are navigated to NMLS Classic on the Renewals Tab.\n\n4.  From the Renewal Selection List, select the checkbox in the **Do Not Renew** column next to the license or registration you do not intend to renew.\n\n5.  To apply the action to all licenses on the page, select the r",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_renew_doNotRenewLicenseReg_choosing.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_renew_doNotRenewLicenseReg_choosing.md",
      "headings": [
        "Choosing Do Not Renew for Company Licenses or Registrations {#licComp_renew_choosingDoNotRenewForCompanyLicensesOrRegustrations .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_renew_doNotRenewLicenseReg_choosing.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_renew_doNotRenewLicenseReg_choosing.md:chunk-1",
      "title": "Choosing Do Not Renew for Company Licenses or Registrations {#licComp_renew_choosingDoNotRenewForCompanyLicensesOrRegustrations .task}",
      "content": "al Selection List, select the checkbox in the **Do Not Renew** column next to the license or registration you do not intend to renew.\n\n5.  To apply the action to all licenses on the page, select the red **Do Not Renew** icon at the top of the column.\n\n6.  Select **Apply Selections** to confirm your choice.\n\n    The regulator will be notified that your company does not intend to renew the selected licenses. They will no longer display in the Renewal Selection List.\n\n-   **Recalling a License Marked Do Not Renew**  \nRecall a license or registration previously marked as Do Not Renew so that it can be renewed before the submission deadline.\n\n**Parent topic:**Renewing Company Licenses or Registrations",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_renew_doNotRenewLicenseReg_choosing.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_renew_doNotRenewLicenseReg_choosing.md",
      "headings": [
        "Choosing Do Not Renew for Company Licenses or Registrations {#licComp_renew_choosingDoNotRenewForCompanyLicensesOrRegustrations .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_renew_doNotRenewLicenseReg_choosing.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_renew_eligibilityItemsPrenventing.md:chunk-0",
      "title": "Items that Can Prevent Renewal Eligibility {#licComp_renew_itemsThatCanPreventRenewalEligibility .concept}",
      "content": "# Items that Can Prevent Renewal Eligibility \n\nOverview of common issues in NMLS that can block or delay license renewal eligibility for state-licensed companies.\n\nBefore November 1, review your company and branch records in NMLS to identify issues that could prevent renewal. The examples below summarize common blockers; resolving them early helps ensure your licenses are eligible when the renewal window opens.\n\n## Common renewal blockers { .section}\n\n-   **Outstanding license items** on the company or branches \\(for example, document requests, disclosures, or approvals still required by a regulator\\).\n-   **Unpaid fees or invoices** associated with filings or prior obligations.\n-   **Company record changes not yet filed or approved** \\(such as legal name, main address, or control persons\\) that require a Company \\(MU1\\) amendment or regulator approval.\n-   **Surety bond issues**, including insufficient coverage, expired bonds, or missing/deficient bond riders.\n-   **Regulatory holds or restrictions** imposed by a state agency that pause or limit renewal activity.\n-   **Reporting delinquencies** or deficiencies \\(for example, required call reports or authorized agent reports not filed or flagged as deficient\\).\n-   **Sponsorship issues** that affect branch or sponsored individual license eligibility \\(for example, terminated or pending sponsorships that impact the company’s ability to renew related authorities\\).\n\n**Parent topic:**Preparing for NMLS Annual Renewal for Companies",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_renew_eligibilityItemsPrenventing.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_renew_eligibilityItemsPrenventing.md",
      "headings": [
        "Items that Can Prevent Renewal Eligibility {#licComp_renew_itemsThatCanPreventRenewalEligibility .concept}",
        "Common renewal blockers { .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_renew_eligibilityItemsPrenventing.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_renew_licFailToRenew.md:chunk-0",
      "title": "Failing to Renew Your License {#licComp_renew_failingToRenewYourLicense .concept}",
      "content": "# Failing to Renew Your License \n\nUnderstand the consequences of not renewing a state company license in NMLS by the annual deadline.\n\nIf a company license is not renewed in NMLS by December 31, it is considered expired. The company immediately loses its authority to conduct licensed activities in the affected jurisdiction.\n\nFailure to renew can also result in termination of associated branch licenses and sponsorships for individual mortgage loan originators \\(MLOs\\). Re-applying for these licenses may involve significant time and expense.\n\nState regulators may impose additional penalties or restrictions for failing to renew on time. Always check the Annual Renewal Checklist for agency-specific requirements.\n\n-   **NMLS Annual Reinstatement Period**  \nLearn about the NMLS annual reinstatement period, when some expired licenses can be reinstated if allowed by the regulator.\n\n**Parent topic:**NMLS Annual Renewal Overview for Companies\n\n**NMLS Reference Guide**  \n\nNMLS Processing Fees\n\nCorrecting Failed Payments\n\nNMLS Payment Options\n\n**NMLS Resource Center**  \n\nState Licensing Checklist Compiler\n\nState Renewals Checklist Compiler\n\nNMLS Resource Center Home\n\nNMLS Call Center",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_renew_licFailToRenew.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_renew_licFailToRenew.md",
      "headings": [
        "Failing to Renew Your License {#licComp_renew_failingToRenewYourLicense .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_renew_licFailToRenew.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_renew_licItems_removing.md:chunk-0",
      "title": "Removing License Items {#licComp_renew_removingLicenseItems .task}",
      "content": "# Removing License Items \n\nIdentify and resolve license items in NMLS that could block or delay your company’s annual renewal.\n\nLicense items are regulator requests for information or actions that must be completed in order to maintain or renew a license. Outstanding license items can prevent renewal eligibility. Companies should resolve these items before November 1 to ensure a clean record during the renewal window.\n\n**Note:** You can also monitor and internally manage license items through the License Item List on the Tasks tab. This feature lets your company assign items to other users, mark them as internally complete, track dates, and add internal notes. These actions do not clear items with the regulator—license items are only cleared once the regulator or system determines the required action has been satisfied. See Responding to License Items for more information.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Select **View Complete Record Information** in the Quick Links section.\n\n    The Composite View Tab in NMLS Classic is displayed.\n\n4.  Select **License Items** from the left navigation panel.\n\n5.  Review the list of outstanding license items for your company and branches.\n\n6.  Click the **Item ID** link to open details for a license item.\n\n7.  Follow the on-screen instructions to provide requested information, upload documentation, or complete required actions.\n\n    **Note:** Only the regulator that created the license item can clear it. After you provide the required response, monitor the item’s status until it is marked complete by the regulator.\n\n8.  Repeat this process for all outstanding license items until none remain.\n\n    **Note:** License items may also be created outside the renewal window. Companies should regularly review and resolve items to avoid renewal delays.\n\n**Parent topic:**Preparing for NMLS Annual Renewal for Companies",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_renew_licItems_removing.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_renew_licItems_removing.md",
      "headings": [
        "Removing License Items {#licComp_renew_removingLicenseItems .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_renew_licItems_removing.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_renew_licRegCompany_reinstating.md:chunk-0",
      "title": "Reinstating Company Licenses or Registrations {#licComp_renew_reinstatingCompanyLicensesOrRegistrations .concept}",
      "content": "# Reinstating Company Licenses or Registrations \n\nLearn how companies can reinstate expired or lapsed licenses in NMLS if permitted by their state regulator.\n\nThe process for reinstating company licenses or registrations in NMLS is the same as renewing them, but it occurs after the annual renewal deadline of December 31. The reinstatement period runs from January 1 through the end of February, and participation depends on the requirements of each state regulator.\n\nTo complete reinstatement, companies follow the same steps as for a renewal, including attesting to the accuracy of their record, submitting the reinstatement request, and paying all required fees. Additional reinstatement fees or penalties may also apply.\n\nFor details on completing a renewal request in NMLS, see Requesting NMLS Annual Renewal for Company Licenses or Registrations.\n\nFor details on reinstatement deadlines, requirements, and eligibility, see NMLS Annual Reinstatement Period.\n\n**Parent topic:**Renewing Company Licenses or Registrations",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_renew_licRegCompany_reinstating.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_renew_licRegCompany_reinstating.md",
      "headings": [
        "Reinstating Company Licenses or Registrations {#licComp_renew_reinstatingCompanyLicensesOrRegistrations .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_renew_licRegCompany_reinstating.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_renew_licStatusEligibility_reviewing.md:chunk-0",
      "title": "Reviewing License Status Eligibility {#licComp_renew_reviewingLicenseStatusEligibility .task}",
      "content": "# Reviewing License Status Eligibility \n\nCheck your company’s license statuses in NMLS to confirm eligibility for renewal and identify any issues that may block renewal.\n\nOnly licenses in certain statuses are considered renewable in NMLS. Reviewing your company’s licenses before November 1 helps confirm they are in an eligible status and prevents delays once the renewal period begins.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Select **View Complete Record Information** in the Quick Links section.\n\n    The Composite View Tab in NMLS Classic is displayed.\n\n4.  Select **View Company** from the submenu.\n\n5.  Click **View License/Registration List** from the left navigation panel.\n\n6.  Review the status of each license or registration held by your company.\n\n    **Note:** For a list of statuses that are considered renewable, see Renewable License Statuses.\n\n    **Note:** If your license is not in a renewal-eligible status and you believe it should be, contact your state regulator for guidance.\n\n**Parent topic:**Preparing for NMLS Annual Renewal for Companies",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_renew_licStatusEligibility_reviewing.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_renew_licStatusEligibility_reviewing.md",
      "headings": [
        "Reviewing License Status Eligibility {#licComp_renew_reviewingLicenseStatusEligibility .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_renew_licStatusEligibility_reviewing.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_renew_licStatus_renewable.md:chunk-0",
      "title": "Renewable License Statuses {#licComp_renew_renewableLicenseStatuses .reference}",
      "content": "# Renewable License Statuses \n\nView the NMLS license statuses that are eligible for renewal during the annual renewal period.\n\nThe following license statuses are considered renewable in NMLS. Licenses in any of these statuses may be renewed during the annual renewal period, unless otherwise prevented by a regulator.\n\n-   Approved\n-   Approved - Conditional\n-   Approved - Deficient\n-   Approved - Failed to Renew\n-   Approved - Inactive\n-   Approved - On Appeal\n-   Approved - Surrender/Cancellation Requested\n-   Revoked - On Appeal\n-   Suspended\n-   Suspended - On Appeal\n-   Terminated - Failed to Renew\n\nIf your license is in a status not listed above, you may need to work with the state agency to resolve issues before renewing.\n\nSee License Status Definitions for an explanation of all license statuses above.\n\n-   **License Status vs. Renewal Status**  \nUnderstand the difference between a Mortgage Loan Originator’s \\(MLO’s\\) license status and renewal status in NMLS, and how each impacts eligibility, compliance, and renewal processing.\n\n**Parent topic:**NMLS Annual Renewal Overview for Companies\n\n**NMLS Reference Guide**  \n\nNMLS Processing Fees\n\nCorrecting Failed Payments\n\nNMLS Payment Options\n\n**NMLS Resource Center**  \n\nState Licensing Checklist Compiler\n\nState Renewals Checklist Compiler\n\nNMLS Resource Center Home\n\nNMLS Call Center",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_renew_licStatus_renewable.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_renew_licStatus_renewable.md",
      "headings": [
        "Renewable License Statuses {#licComp_renew_renewableLicenseStatuses .reference}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_renew_licStatus_renewable.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_renew_licenseDoNotRenew_recall.md:chunk-0",
      "title": "Recalling a License Marked Do Not Renew {#licComp_renew_recallingALicenseMarkedDoNotRenew .task}",
      "content": "# Recalling a License Marked Do Not Renew \n\nRecall a license or registration previously marked as Do Not Renew so that it can be renewed before the submission deadline.\n\nIf your company mistakenly marks a license as Do Not Renew, it may be recalled as long as the regulator has not already acted on it. Once recalled, the license returns to the Renewal Selection List and can be renewed as usual.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Navigate to the Renewals Tab page in NMLS Classic.\n\n    -   Select **Renewal Home** in the Quick Links section.\n\n        \n\n    -   Select the **Renew** link next to the relevant license in the My Licenses section.\n\n        \n\n    You are navigated to NMLS Classic on the Renewals Tab.\n\n4.  Select **Recall Do Not Renew** from the left navigation panel.\n\n5.  Use filtering options if needed to locate the license you wish to recall.\n\n6.  Select the checkbox next to the license and click **Apply Selections**.\n\n    **Note:** The license will move back to the Renewal Selection List. The regulator will also receive a notification that the **Do Not Renew** action was recalled.\n\n**Parent topic:**Choosing Do Not Renew for Company Licenses or Registrations",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_renew_licenseDoNotRenew_recall.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_renew_licenseDoNotRenew_recall.md",
      "headings": [
        "Recalling a License Marked Do Not Renew {#licComp_renew_recallingALicenseMarkedDoNotRenew .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_renew_licenseDoNotRenew_recall.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_renew_nmlsAnnualReinstatementPeriod.md:chunk-0",
      "title": "NMLS Annual Reinstatement Period {#licComp_renew_nmlsAnnualReinstatementPeriod .concept}",
      "content": "# NMLS Annual Reinstatement Period \n\nLearn about the NMLS annual reinstatement period, when some expired licenses can be reinstated if allowed by the regulator.\n\nThe reinstatement period in NMLS runs from January 1 through the end of February. During this time, some state agencies allow companies, branches, and individuals that failed to renew by December 31 to reinstate their licenses by meeting specific requirements.\n\nReinstatement typically involves paying renewal and reinstatement fees, resolving any outstanding license items, and ensuring all continuing education or reporting requirements are met.\n\nTo determine if your agency participates in reinstatement, review:\n\n-   The Renewal Requirements, Deadlines, and Fees Chart\n-   The Annual Renewal Checklist to see state-specific requirements\n\n**Parent topic:**Failing to Renew Your License\n\n**NMLS Reference Guide**  \n\nNMLS Processing Fees\n\nCorrecting Failed Payments\n\nNMLS Payment Options\n\n**NMLS Resource Center**  \n\nState Licensing Checklist Compiler\n\nState Renewals Checklist Compiler\n\nNMLS Resource Center Home\n\nNMLS Call Center",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_renew_nmlsAnnualReinstatementPeriod.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_renew_nmlsAnnualReinstatementPeriod.md",
      "headings": [
        "NMLS Annual Reinstatement Period {#licComp_renew_nmlsAnnualReinstatementPeriod .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_renew_nmlsAnnualReinstatementPeriod.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_renew_nmlsAnnualRenewalFees.md:chunk-0",
      "title": "NMLS Annual Renewal Fees {#licComp_renew_nmlsAnnualRenewalFees .reference}",
      "content": "# NMLS Annual Renewal Fees \n\nReview the fees associated with the NMLS annual renewal process, including system processing fees, state agency fees, and applicable fees for company, branch, and individual license renewals.\n\nThe following NMLS processing fees apply to annual renewals:\n\n-   Company \\(MU1\\) renewal fee: $120\n-   Branch \\(MU3\\) renewal fee: $25\n-   Individual \\(MU4\\) renewal fee: $35\n\nState agencies may also charge additional renewal fees, late fees, or other assessments that are separate from NMLS processing fees.\n\n**Parent topic:**NMLS Annual Renewal Overview for Companies\n\n**NMLS Reference Guide**  \n\nNMLS Processing Fees\n\nCorrecting Failed Payments\n\nNMLS Payment Options\n\n**NMLS Resource Center**  \n\nState Licensing Checklist Compiler\n\nState Renewals Checklist Compiler\n\nNMLS Resource Center Home\n\nNMLS Call Center",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_renew_nmlsAnnualRenewalFees.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_renew_nmlsAnnualRenewalFees.md",
      "headings": [
        "NMLS Annual Renewal Fees {#licComp_renew_nmlsAnnualRenewalFees .reference}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_renew_nmlsAnnualRenewalFees.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_renew_nmlsAnnualRenewalOverviewForCompanies.md:chunk-0",
      "title": "NMLS Annual Renewal Overview for Companies {#licComp_renew_renewingCompanyLicensesOrRegistrations .concept}",
      "content": "# NMLS Annual Renewal Overview for Companies \n\nUnderstand the process and requirements for renewing company licenses or registrations in NMLS, including timelines, renewal eligibility, attestation, and submission of required fees and documentation.\n\nThe annual renewal period in NMLS begins on November 1 and ends on December 31 each year. During this time, companies must confirm their records are current, attest to the accuracy of their filings, and submit renewal requests with required fees. If a renewal request is not submitted by December 31, companies may have the opportunity to complete the process during the reinstatement period from January1 through the end of February. Not all state agencies allow reinstatement; review the Annual Renewal Checklist for agency-specific rules and deadlines.\n\nTo ensure a smooth renewal, companies should prepare before November 1 by reviewing their Company \\(MU1\\) and Branch \\(MU3\\) records, confirming all licenses are in a renewable status, addressing outstanding license items, and ensuring sponsored mortgage loan originators \\(MLOs\\) have met continuing education requirements. See the Annual Renewal Checklist and the Renewal Deadlines, Requirements, and Fees Chart for details.\n\nWithin NMLS, companies can use the Renewals tab to manage all company, branch, and sponsored individual licenses. Larger companies may rely on the Renewal Dashboard, while smaller companies may find the Renewal Selection List more efficient. Companies can also generate real-time Renewal Activity reports to monitor renewal eligibility, attestation status, and potential deficiencies.\n\nRenewal fees must be paid through NMLS. Payments may be made by ACH \\(no service fee\\) or by credit card \\(Visa or MasterCard only, with a 2.5% service fee\\). Some state regulators may collect additional fees outside NMLS—consult the renewal checklists for details. For a general overview of fees, see NMLS Processing Fees.\n\nIf a company fails to complete renewal or reinstatemen",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_renew_nmlsAnnualRenewalOverviewForCompanies.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_renew_nmlsAnnualRenewalOverviewForCompanies.md",
      "headings": [
        "NMLS Annual Renewal Overview for Companies {#licComp_renew_renewingCompanyLicensesOrRegistrations .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_renew_nmlsAnnualRenewalOverviewForCompanies.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_renew_nmlsAnnualRenewalOverviewForCompanies.md:chunk-1",
      "title": "NMLS Annual Renewal Overview for Companies {#licComp_renew_renewingCompanyLicensesOrRegistrations .concept}",
      "content": "s may collect additional fees outside NMLS—consult the renewal checklists for details. For a general overview of fees, see NMLS Processing Fees.\n\nIf a company fails to complete renewal or reinstatement, regulators may terminate the license. This can also result in termination of related branch licenses and sponsorships, requiring costly re-application. For authoritative definitions and requirements, see the NMLS Policy Guide.\n\n-   **NMLS Annual Renewal Fees**  \nReview the fees associated with the NMLS annual renewal process, including system processing fees, state agency fees, and applicable fees for company, branch, and individual license renewals.\n-   **Renewable License Statuses**  \nView the NMLS license statuses that are eligible for renewal during the annual renewal period.\n-   **Failing to Renew Your License**  \nUnderstand the consequences of not renewing a state company license in NMLS by the annual deadline.\n\n**Parent topic:**Renewing Company Licenses or Registrations\n\n**NMLS Reference Guide**  \n\nNMLS Processing Fees\n\nCorrecting Failed Payments\n\nNMLS Payment Options\n\n**NMLS Resource Center**  \n\nState Licensing Checklist Compiler\n\nState Renewals Checklist Compiler\n\nNMLS Resource Center Home\n\nNMLS Call Center",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_renew_nmlsAnnualRenewalOverviewForCompanies.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_renew_nmlsAnnualRenewalOverviewForCompanies.md",
      "headings": [
        "NMLS Annual Renewal Overview for Companies {#licComp_renew_renewingCompanyLicensesOrRegistrations .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_renew_nmlsAnnualRenewalOverviewForCompanies.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_renew_payingForNmlsAnnualRenewalForCompanyLicensesOrRgistrations.md:chunk-0",
      "title": "Attesting and Paying for NMLS Annual Renewal for Company Licenses or Registrations {#licComp_renew_payingForNmlsAnnualRenewalForCompanyLicensesOrRgistrations .task}",
      "content": "# Attesting and Paying for NMLS Annual Renewal for Company Licenses or Registrations \n\nSubmit payment for annual license or registration renewal in NMLS using accepted payment methods and confirm fees before completing the transaction.\n\nAll renewal requests must be paid before submission is complete. NMLS accepts payment by credit card \\(Visa® or Mastercard®, subject to a service fee\\) and ACH. Companies should verify all fees before submitting payment to avoid errors or delays.\n\nFor details on accepted payment methods, see NMLS Payment Options. For information on service charges and other system fees, see NMLS Processing Fees.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Navigate to the Renewals Tab page in NMLS Classic.\n\n    -   Select **Renewal Home** in the Quick Links section.\n\n        \n\n    -   Select the **Renew** link next to the relevant license in the My Licenses section.\n\n        \n\n    You are navigated to NMLS Classic on the Renewals Tab.\n\n4.  Select **Pay for Renewal** from the left navigation panel.\n\n5.  Review all licenses in the cart. Select **Proceed to Invoice** to see a complete breakdown of fees.\n\n6.  Select **Pay Invoice** and select a payment method.\n\n    **Note:** Credit card payments incur a service fee. ACH payments do not include a service fee.\n\n7.  Follow the prompts to enter payment details and submit payment.\n\n    Once payment is confirmed, the renewal request is officially submitted.\n\n**Parent topic:**Requesting NMLS Annual Renewal for Company Licenses or Registrations\n\n**NMLS Reference Guide**  \n\nNMLS Processing Fees\n\nCorrecting Failed Payments\n\nNMLS Payment Options\n\n**NMLS Resource Center**  \n\nState Licensing Checklist Compiler\n\nState Renewals Checklist Compiler\n\nNMLS Resource Center Home\n\nNMLS Call Center",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_renew_payingForNmlsAnnualRenewalForCompanyLicensesOrRgistrations.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_renew_payingForNmlsAnnualRenewalForCompanyLicensesOrRgistrations.md",
      "headings": [
        "Attesting and Paying for NMLS Annual Renewal for Company Licenses or Registrations {#licComp_renew_payingForNmlsAnnualRenewalForCompanyLicensesOrRgistrations .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_renew_payingForNmlsAnnualRenewalForCompanyLicensesOrRgistrations.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_renew_preparingForNmlsAnnualRenewalForCompanies.md:chunk-0",
      "title": "Preparing for NMLS Annual Renewal for Companies {#licComp_renew_preparingForNmlsAnnualRenewalForCompanies .concept}",
      "content": "# Preparing for NMLS Annual Renewal for Companies \n\nIntroduction to the steps companies must take to prepare for the NMLS annual renewal process.\n\nBefore the renewal window opens on November 1, companies should take specific steps to ensure they are ready to submit renewal requests. Preparation activities may include verifying that company and branch records are accurate, checking license status eligibility, resolving items that can block renewal, and gathering the necessary renewal documentation.\n\n-   **Confirming Your Record is Up to Date**  \nVerify that your company record in NMLS is current and accurate before submitting annual renewal requests.\n-   **Reviewing License Status Eligibility**  \nCheck your company’s license statuses in NMLS to confirm eligibility for renewal and identify any issues that may block renewal.\n-   **Items that Can Prevent Renewal Eligibility**  \nOverview of common issues in NMLS that can block or delay license renewal eligibility for state-licensed companies.\n-   **Removing License Items**  \nIdentify and resolve license items in NMLS that could block or delay your company’s annual renewal.\n-   **Gathering Renewal Requirements**  \nBefore you can renew your license, you must gather all state-specific requirements using the NMLS Renewal Checklist Compiler and the Renewal Deadlines, Requirements, and Fees Chart.\n\n**Parent topic:**Renewing Company Licenses or Registrations",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_renew_preparingForNmlsAnnualRenewalForCompanies.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_renew_preparingForNmlsAnnualRenewalForCompanies.md",
      "headings": [
        "Preparing for NMLS Annual Renewal for Companies {#licComp_renew_preparingForNmlsAnnualRenewalForCompanies .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_renew_preparingForNmlsAnnualRenewalForCompanies.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_renew_recordsCurrent_confirming.md:chunk-0",
      "title": "Confirming Your Record is Up to Date {#licComp_renew_confirmingYourRecordIsUpToDate .task}",
      "content": "# Confirming Your Record is Up to Date \n\nVerify that your company record in NMLS is current and accurate before submitting annual renewal requests.\n\nBefore the renewal period begins on November 1, companies should review their records in NMLS to confirm that all information is accurate. This includes company address, other trade names, control persons, and other details in the Company \\(MU1\\) Form. Making updates ahead of renewal helps prevent delays or deficiencies.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Select **View Complete Record Information** in the Quick Links section.\n\n    The Composite View Tab in NMLS Classic is displayed.\n\n4.  Select **View Company** from the submenu.\n\n5.  Click **View Company Snapshot** in the left navigation panel.\n\n6.  Select all items to view and click **View Snapshot**.\n\n7.  Confirm that all displayed information is accurate, including company address, other trade names, and control persons.\n\n8.  If updates are needed, return to the Filing tab and submit a Company \\(MU1\\) Form amendment. See Filing Amendments to the Company MU1 Form.\n\n    **Note:** Some changes require an Advance Change Notice to be submitted to the state regulator before the change takes effect. Refer to Advance Change Notice for Company MU1 Amendments and the State Licensing Checklist Compiler for state-specific requirements.\n\n**Parent topic:**Preparing for NMLS Annual Renewal for Companies",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_renew_recordsCurrent_confirming.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_renew_recordsCurrent_confirming.md",
      "headings": [
        "Confirming Your Record is Up to Date {#licComp_renew_confirmingYourRecordIsUpToDate .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_renew_recordsCurrent_confirming.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_renew_renewalStatusCompositeView_determining.md:chunk-0",
      "title": "Determining Renewal Status Using Composite View {#licComp_renew_determiningRenewalStatusUsingCompositeView_0 .task}",
      "content": "# Determining Renewal Status Using Composite View \n\nUse Composite View in NMLS to check and interpret the renewal status of company, branch, and sponsored individual licenses during the annual renewal period.\n\nThe Composite View tab provides real-time information on the status of company, branch, and sponsored individual licenses. Reviewing renewal status helps companies confirm whether requests were successfully submitted, approved, or still pending. This feature is especially useful during the renewal and reinstatement periods.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Click the Composite View tab.\n\n4.  Select **View Company** from the submenu.\n\n5.  Click **View License/Registration List** from the left navigation panel.\n\n6.  Locate the **Renewal Status** column to review the status of each license.\n\n    **Note:** Common values include `Renewal Submitted`, `Renewal Approved`, and `Failed to Renew`. Use this column alongside **Renewed Through Year** to confirm whether the license is current for the upcoming year.\n\n7.  Follow up with your regulator if a renewal shows as deficient or not yet approved close to the deadline.\n\n-   **License Status vs. Renewal Status**  \nUnderstand the difference between a Mortgage Loan Originator’s \\(MLO’s\\) license status and renewal status in NMLS, and how each impacts eligibility, compliance, and renewal processing.\n\n**Parent topic:**Renewing Company Licenses or Registrations",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_renew_renewalStatusCompositeView_determining.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_renew_renewalStatusCompositeView_determining.md",
      "headings": [
        "Determining Renewal Status Using Composite View {#licComp_renew_determiningRenewalStatusUsingCompositeView_0 .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_renew_renewalStatusCompositeView_determining.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_reports_overseeingCompanyActivityUsingNmlsReports.md:chunk-0",
      "title": "Overseeing Company Activity Using NMLS Reports {#licComp_reports_overseeingCompanyActivityUsingNmlsReports .task}",
      "content": "# Overseeing Company Activity Using NMLS Reports \n\nGenerate standard reports in NMLS to oversee your company’s activity and sponsored mortgage loan originators \\(MLOs\\).\n\nNMLS provides a set of standard reports that companies can use to monitor licensing activity and sponsored MLO compliance. Reports are delivered as downloadable CSV files for further analysis. A user must have the Reports Role in order to access the Reports tab to generate reports.\n\nRefer to the Company Reports Field Definitions \\(PDF\\) for a full list of available reports and the data included in each.\n\nExcept for minor adjustments to account for holidays, the following rules apply regarding the availability of data for Reports:\n\n-   **‘As of Date’ Reports:** Reports with an ‘As of’ date that falls on Monday through Thursday will include data current as of the previous day. Reports with a ‘As of’ date that falls on Friday through Sunday will include data current as of the preceding Thursday.\n-   **‘Since Date’ Reports:** Reports requested on Monday through Thursday will include data up to and including the previous day. Reports requested on Friday through Sunday will include data up to and including the previous Thursday.\n-   **Ad Hoc/Custom Reports:** NMLS provides system users with the ability to request additional information in the form of an “ad hoc” report. For more information refer to NMLS Ad Hoc and Custom Report Requests.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Click the Reports tab.\n\n4.  Click **Request New Report**.\n\n5.  Select the desired report from the list.\n\n6.  Enter the desired report criteria and click **Request Report**.\n\n7.  Refresh the screen until the report status changes from “Pending” to “Available”.\n\n8.  Click the **Excel** icon to download the report as a CSV file.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_reports_overseeingCompanyActivityUsingNmlsReports.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_reports_overseeingCompanyActivityUsingNmlsReports.md",
      "headings": [
        "Overseeing Company Activity Using NMLS Reports {#licComp_reports_overseeingCompanyActivityUsingNmlsReports .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_reports_overseeingCompanyActivityUsingNmlsReports.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_resAgents_identifying.md:chunk-0",
      "title": "Identifying Resident Agents {#licComp_identifyingResidentAgents .task}",
      "content": "# Identifying Resident Agents \n\nProvide the contact details of registered agents authorized to receive legal and regulatory documents on behalf of your company in each state where a license is requested.\n\nAdding Other Trade Names\n\nDuring the Company MU1 filing, you must identify registered agents who are designated to receive legal and regulatory documents on behalf of your company. Registered agents are required in each state where your company is applying for or holds a license. This step ensures that your company is compliant with state laws and can be reached for official communication.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Select **Filing** > **Company \\(MU1\\)** from the menu.\n\n    The Company Filing screen is displayed.\n\n4.  Select **Create New Filing**.\n\n    The Company Form \\(MU1\\) opens, beginning on the Business Activities screen.\n\n5.  Select **Resident Agents** in the left navigation panel.\n\n6.  Click **Add**.\n\n7.  Complete all required fields for your company's resident agent.\n\n8.  Click **Save**.\n\n9.  Repeat this process for all resident agents for your company.\n\nIdentifying Contact Employees\n\n**Parent topic:**Resident / Registered Agent\\*\n\n**Target**  \n\nAttesting and Submitting a New MU1 Application",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_resAgents_identifying.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_resAgents_identifying.md",
      "headings": [
        "Identifying Resident Agents {#licComp_identifyingResidentAgents .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_resAgents_identifying.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_selectingYourLicenses.md:chunk-0",
      "title": "Selecting Your Licenses {#licComp_selectingYourLicenses .task}",
      "content": "# Selecting Your Licenses \n\nChoose the appropriate licenses your company needs to apply for or transition, based on the states in which you plan to operate and the business activities you conduct.\n\nSelecting Relevant Business Activities\n\nWhen completing the Company MU1 Filing, you must select the licenses your company is applying for or transitioning. License selection is based on your company’s business activities and the states where you intend to operate. Each state may offer multiple license types, so it's important to review state-specific requirements before making your selections.\n\n1.  Select the licenses or registrations for which you are applying.\n\n2.  Enter your existing license number if you are transitioning a current license as instructed by your regulator.\n\n    **Note:** Contact the appropriate state regulator if you have questions regarding specific licenses or registrations.\n\n3.  Click **Next**.\n\n4.  Confirm the licenses or registrations you have selected.\n\n5.  Click **Continue with Filing**.\n\nAdding Other Trade Names\n\n**Target**  \n\nAttesting and Submitting a New MU1 Application",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_selectingYourLicenses.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_selectingYourLicenses.md",
      "headings": [
        "Selecting Your Licenses {#licComp_selectingYourLicenses .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_selectingYourLicenses.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_stateLicense_apply.md:chunk-0",
      "title": "Applying for a State Company License {#licComp_applyingForYourStateLicense .concept}",
      "content": "# Applying for a State Company License \n\nThis section explains what the Company Form \\(MU1\\) is and how to apply for a state license or registration for your company in NMLS.\n\nNMLS Company Form \\(MU1\\) must be completed by a company applying for a license/registration in one or more states.\n\nIf the company is applying for a new license, the Individual Form \\(MU2\\) must also be completed by individuals identified in the Direct Owners & Executive Officers, Indirect Owners with control and Qualifying Individuals on the Company Form \\(MU1\\).\n\nThe Company Form \\(MU1\\) can be used to request licenses in multiple states, however, not all license types are managed in NMLS and some information may have to be submitted to state regulators outside of the System.\n\nThe following guidelines are organized to follow the Company Form’s format in the System.\n\n## A. General Instructions \n\nFiling\n:   The Company Form \\(MU1\\) is the uniform application form that a company or sole proprietorship applying for any company license must complete. Applicants must also refer to the state licensing requirements on the NMLS Resource Center to fully understand the license requirements.\n\nDates\n:   In NMLS, there is no distinction between the filing date and the effective date. The filing date is the date the submission is made in the system to one or more regulators. The change is made to the licensee’s record in the NMLS instantly. Thus, the effective date and the filing date are the same.\n\nTerms Used\n:   For uniformity, terms used throughout the Company Form \\(MU1\\) are defined in the NMLS Policy Guide.\n\n-   **Filing the Initial Company MU1 Form for a New Application**  \nExplains the idea of creating a new Company Form \\(MU1\\) filing in NMLS when applying for a new license or registration, as well as the distinction between your NMLS record and a filing in NMLS. Provides context around the relationship between the Company Form \\(MU1\\), Individual Form \\(MU2\\), and Branch Form \\(MU3\\).\n-   **Crea",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_stateLicense_apply.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_stateLicense_apply.md",
      "headings": [
        "Applying for a State Company License {#licComp_applyingForYourStateLicense .concept}",
        "A. General Instructions {#section_fng_fxg_gfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_stateLicense_apply.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_stateLicense_apply.md:chunk-1",
      "title": "Applying for a State Company License {#licComp_applyingForYourStateLicense .concept}",
      "content": "s the distinction between your NMLS record and a filing in NMLS. Provides context around the relationship between the Company Form \\(MU1\\), Individual Form \\(MU2\\), and Branch Form \\(MU3\\).\n-   **Creating a Company MU1 New Application Filing**  \nHow to create a new Company Form \\(MU1\\) filing in NMLS.\n-   **Chapter II—NMLS Company Form \\(MU1\\)**  \nNMLS Company Form \\(MU1\\) must be completed by a company applying for a license/registration in one or more states.\n-   **Submitting Your Initial Financial Statement in NMLS**  \nSubmit your company’s initial financial statement in NMLS when applying for a new license to meet state requirements.\n-   **Chapter IV—NMLS Branch Form \\(MU3\\)**  \nThe Branch Form \\(MU3\\) is the branch office information tied to a company’s record. The Branch Forms may only be submitted after a company submits a Company Form \\(MU1\\).",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_stateLicense_apply.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_stateLicense_apply.md",
      "headings": [
        "Applying for a State Company License {#licComp_applyingForYourStateLicense .concept}",
        "A. General Instructions {#section_fng_fxg_gfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_stateLicense_apply.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_stateOrFed.md:chunk-0",
      "title": "Do You Need a State License or Registration? {#licComp_stateOrFed .concept}",
      "content": "# Do You Need a State License or Registration? \n\nState licenses or registrations are required for state-regulated non-bank entities.\n\n## Determining if You Are State or Federally Regulated \n\nNon-bank vs. Bank \\(non-depository vs. depository\\).\n\n-   Non-bank / non-depository institutions cannot accept monetary deposits from consumers\n-   Bank / depository institutions are legally allowed to accept monetary deposits from consumers\n\nFor federally regulated banks, please refer to the Registration Guide for Federal Instiutions.\n\n## If You Do Need a State License or Registration... \n\nSee the following topics to get started:\n\n-   Before You Apply for a State License\n-   Gathering Requirements\n-   Applying for a State Company License\n\n**Parent topic:**Licensing Process Overview for Companies",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_stateOrFed.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_stateOrFed.md",
      "headings": [
        "Do You Need a State License or Registration? {#licComp_stateOrFed .concept}",
        "Determining if You Are State or Federally Regulated {#section_k2b_mlv_f2c .section}",
        "If You Do Need a State License or Registration... {#section_sxk_hmf_pgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_stateOrFed.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_surrender_MU1licSurrender_filing.md:chunk-0",
      "title": "Filing a License or Registration Surrender or Withdrawal in NMLS {#licComp_surrender_filingALicenseOrRegistrationSurrenderViaCompanyMu1Form .task}",
      "content": "# Filing a License or Registration Surrender or Withdrawal in NMLS \n\nUse the Company \\(MU1\\) Form in NMLS to request the surrender of an active license or the withdrawal of a pending license application. Review jurisdiction-specific requirements before submitting your request.\n\nBefore filing a surrender or withdrawal request in NMLS, consult the State Licensing Checklist Compiler for jurisdiction-specific requirements. Some regulators may require supporting documentation outside of NMLS as part of the request.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Click the Filing tab.\n\n4.  Select the appropriate form, such as **Company \\(MU1\\)**, **Branch \\(MU3\\)**, or **Individual \\(MU4\\)**.\n\n5.  Click **Create New Filing** \\(or **Request New/Update** for an individual filing\\).\n\n    **Note:** If you do not see the **Create New Filing** button, you may already have a pending filing. Select the **Edit** icon to continue editing the existing filing or click the **Delete** icon to remove it.\n\n6.  In the License/Registration section, click **Surrender** or **Withdraw** under Available Actions for the license you want to surrender or withdraw.\n\n7.  Review all sections of the filing in the left-hand navigation panel for any additional changes that must be made.\n\n8.  Navigate to the Attest and Submit section and submit the filing.\n\n    **Note:** The filing must be submitted before the request will be received by your regulator. You can confirm the new status of your license under Composite View → License/Registration List.\n\n9.  Send any required supporting documentation directly to the state agency, as specified on the surrender checklist.\n\n10. Wait for regulator review. Regulators may contact you for more information or update the license status once their review is complete.\n\n**Parent topic:**Surrendering or Withdrawing Company Licenses or Registrations",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_surrender_MU1licSurrender_filing.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_surrender_MU1licSurrender_filing.md",
      "headings": [
        "Filing a License or Registration Surrender or Withdrawal in NMLS {#licComp_surrender_filingALicenseOrRegistrationSurrenderViaCompanyMu1Form .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_surrender_MU1licSurrender_filing.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/company/topics/licComp_surrender_surrenderingCompanyLicensesOrRegistrations.md:chunk-0",
      "title": "Surrendering or Withdrawing Company Licenses or Registrations {#licComp_surrender_surrenderingCompanyLicensesOrRegistrations .concept}",
      "content": "# Surrendering or Withdrawing Company Licenses or Registrations \n\nUnderstand the purpose, implications, and regulatory considerations of surrendering a company license or registration in NMLS.\n\nThe surrender process allows a company to formally notify state regulators that it no longer wishes to hold a particular license or registration in NMLS. Surrendering is typically used when a company exits a line of business, ceases operations in a jurisdiction, or transitions to a different license type. It is not a mechanism for avoiding regulatory responsibility or outstanding obligations.\n\nA surrender request must be submitted through NMLS for each license or registration being surrendered. Once submitted, the request is reviewed by the state agency. Regulators may impose additional requirements, such as confirmation of record retention, satisfaction of financial obligations, or verification that consumer protection responsibilities have been met. Companies should review the State Licensing Checklist Compiler to determine any state-specific requirements that apply.\n\nCompanies should also understand that surrendering a license or registration may have long-term implications. For example:\n\n-   Surrender is generally irrevocable. A new application will be required if the company seeks to re-enter the jurisdiction.\n-   Regulators may deny a surrender request if there are outstanding investigations, consumer complaints, or pending enforcement actions.\n-   Companies remain responsible for final reporting obligations, such as Mortgage Call Reports or financial statements, even after surrender.\n\nSee the following topic for details:\n\n-   Filing a License or Registration Surrender or Withdrawal in NMLS\n\n-   **Filing a License or Registration Surrender or Withdrawal in NMLS**  \nUse the Company \\(MU1\\) Form in NMLS to request the surrender of an active license or the withdrawal of a pending license application. Review jurisdiction-specific requirements before submitting your request.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\company\\topics\\licComp_surrender_surrenderingCompanyLicensesOrRegistrations.md",
      "relative_path": "maps\\NMLS\\licensing\\company\\topics\\licComp_surrender_surrenderingCompanyLicensesOrRegistrations.md",
      "headings": [
        "Surrendering or Withdrawing Company Licenses or Registrations {#licComp_surrender_surrenderingCompanyLicensesOrRegistrations .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/company/topics/licComp_surrender_surrenderingCompanyLicensesOrRegistrations.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_MU2_disclosureQuestions.md:chunk-0",
      "title": "Answering MU2 Form Filing Disclosure Questions {#licInd_mu2_disclosureQuestions .task}",
      "content": "# Answering MU2 Form Filing Disclosure Questions \n\nAnswer all disclosure questions on the MU2 Form and provide explanations or updates when required.\n\nUse the Disclosure Questions section of the Individual \\(MU2\\) Form to provide required information about financial, legal, or regulatory events. All disclosure questions must be answered. A “Yes” response requires an accompanying disclosure explanation, and some “No” responses may also require clarification in the Disclosure Explanations section. Updates are required within 30 days of any change, or sooner if mandated by state law. For authoritative definitions and requirements, see the NMLS Policy Guide.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Select the MU2 tab.\n\n4.  Click **Review and Attest**, then open the Disclosure Questions section from the left navigation panel.\n\n5.  For each question, select the appropriate **Yes** or **No** radio button.\n\n    **Note:** If you answer “Yes”, you must add an explanation in the Disclosure Explanations section before attesting to the filing.\n\n    **Note:** Some “No” responses also require additional information. Review instructions carefully to ensure compliance.\n\n6.  Click **Save** after answering all questions.\n\n7.  Update disclosure questions promptly if circumstances change.\n\n    **Note:** Updates are required when an answer changes \\(including from “Yes” to “No”\\) or within 30 days of an event, whichever is shorter.\n\n    **Note:** Foreclosure actions \\(Question A3\\) must be answered “Yes” once initiated, even if not final.\n\n**Parent topic:**Disclosure Questions",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_MU2_disclosureQuestions.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_MU2_disclosureQuestions.md",
      "headings": [
        "Answering MU2 Form Filing Disclosure Questions {#licInd_mu2_disclosureQuestions .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_MU2_disclosureQuestions.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_PrepcompletingPreLicensureEducation.md:chunk-0",
      "title": "Completing Pre-Licensure Education {#licInd_PrepcompletingPreLicensureEducation .concept}",
      "content": "# Completing Pre-Licensure Education \n\nUnderstand the process for completing Pre-Licensure Education in pursuit of an individual NMLS license.\n\nBefore applying for an MLO license through NMLS, individuals must complete required Pre-Licensure Education \\(PE\\) as outlined by the SAFE Act. This education helps ensure that license applicants understand federal and state mortgage regulations, ethics, nontraditional mortgage products, and lending standards. The MLO Education and Testing Guide contains all education requirements and guidance.\n\nFor detailed state-specific PE requirements, see the following resources:\n\nState-Specific Education Requirements \\(PE and CE\\)\n\nEducation FAQ - Pre-licensure Education \\(PE\\)\n\n-   **Determining State-Specific PE Requirements**  \nDetermine whether the state\\(s\\) where you plan to conduct business require Pre-Licensure Education \\(PE\\), and review the specific content and hour requirements for each jurisdiction.\n-   **Enrolling in an NMLS-Approved PE Course**  \nLearn how to search for, select, and enroll in a Pre-Licensure Education \\(PE\\) course from an NMLS-approved provider.\n-   **Viewing Education Records in NMLS**  \nLearn how to access and review your Pre-Licensure Education \\(PE\\) and Continuing Education \\(CE\\) records in NMLS Connect.\n\n**Parent topic:**Before You Apply\n\n**MLO Education and Testing Guide**  \n\nMLO Education and Testing Guide\n\nViewing Your Education Record\n\nNMLS Approved Course Provider List\n\nState Education Requirements for PE and CE\n\nFAQs for PE\n\nFAQs for CE\n\n**NMLS Resource Center**  \n\nState Licensing Checklist Compiler\n\nState Renewals Checklist Compiler\n\nNMLS Resource Center Home\n\nNMLS Call Center",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_PrepcompletingPreLicensureEducation.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_PrepcompletingPreLicensureEducation.md",
      "headings": [
        "Completing Pre-Licensure Education {#licInd_PrepcompletingPreLicensureEducation .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_PrepcompletingPreLicensureEducation.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_PrepcompletingPreLicensureEducation_2.md:chunk-0",
      "title": "Completing Pre-Licensure Education {#licInd_PrepcompletingPreLicensureEducation .concept}",
      "content": "# Completing Pre-Licensure Education \n\nUnderstand the process for completing Pre-Licensure Education in pursuit of an individual NMLS license.\n\nBefore applying for an MLO license through NMLS, individuals must complete required Pre-Licensure Education \\(PE\\) as outlined by the SAFE Act. This education helps ensure that license applicants understand federal and state mortgage regulations, ethics, nontraditional mortgage products, and lending standards. The MLO Education and Testing Guide contains all education requirements and guidance.\n\nFor detailed state-specific PE requirements, see the following resources:\n\nState-Specific Education Requirements \\(PE and CE\\)\n\nEducation FAQ - Pre-licensure Education \\(PE\\)\n\n-   **Determining State-Specific PE Requirements**  \nDetermine whether the state\\(s\\) where you plan to conduct business require Pre-Licensure Education \\(PE\\), and review the specific content and hour requirements for each jurisdiction.\n-   **Enrolling in an NMLS-Approved PE Course**  \nLearn how to search for, select, and enroll in a Pre-Licensure Education \\(PE\\) course from an NMLS-approved provider.\n-   **Viewing Education Records in NMLS**  \nLearn how to access and review your Pre-Licensure Education \\(PE\\) and Continuing Education \\(CE\\) records in NMLS Connect.\n\n**Parent topic:**Requesting Additional Individual Licenses",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_PrepcompletingPreLicensureEducation_2.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_PrepcompletingPreLicensureEducation_2.md",
      "headings": [
        "Completing Pre-Licensure Education {#licInd_PrepcompletingPreLicensureEducation .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_PrepcompletingPreLicensureEducation_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_PrepdeterminingStateSpecificPeRequirements.md:chunk-0",
      "title": "Determining State-Specific PE Requirements {#licInd_PrepdeterminingStateSpecificPeRequirements .task}",
      "content": "# Determining State-Specific PE Requirements \n\nDetermine whether the state\\(s\\) where you plan to conduct business require Pre-Licensure Education \\(PE\\), and review the specific content and hour requirements for each jurisdiction.\n\nEach state sets its own education requirements under the SAFE Act. Some states require more hours or specific course content in addition to the federal minimums.\n\n1.  Open the State-Specific Education Requirements \\(PE and CE\\) to find your state's education requirements.\n\n2.  Locate the state\\(s\\) where you plan to apply for licensure.\n\n3.  Review the total number of PE hours required and any state-specific subject area requirements.\n\n4.  Make note of any additional state-specific deadlines or course restrictions that may apply.\n\n**Parent topic:**Completing Pre-Licensure Education\n\n**MLO Education and Testing Guide**  \n\nMLO Education and Testing Guide\n\nViewing Your Education Record\n\nNMLS Approved Course Provider List\n\nState Education Requirements for PE and CE\n\nFAQs for PE\n\nFAQs for CE\n\n**NMLS Resource Center**  \n\nState Licensing Checklist Compiler\n\nState Renewals Checklist Compiler\n\nNMLS Resource Center Home\n\nNMLS Call Center",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_PrepdeterminingStateSpecificPeRequirements.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_PrepdeterminingStateSpecificPeRequirements.md",
      "headings": [
        "Determining State-Specific PE Requirements {#licInd_PrepdeterminingStateSpecificPeRequirements .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_PrepdeterminingStateSpecificPeRequirements.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_PrepdeterminingStateSpecificPeRequirements_2.md:chunk-0",
      "title": "Determining State-Specific PE Requirements {#licInd_PrepdeterminingStateSpecificPeRequirements .task}",
      "content": "# Determining State-Specific PE Requirements \n\nDetermine whether the state\\(s\\) where you plan to conduct business require Pre-Licensure Education \\(PE\\), and review the specific content and hour requirements for each jurisdiction.\n\nEach state sets its own education requirements under the SAFE Act. Some states require more hours or specific course content in addition to the federal minimums.\n\n1.  Open the State-Specific Education Requirements \\(PE and CE\\) to find your state's education requirements.\n\n2.  Locate the state\\(s\\) where you plan to apply for licensure.\n\n3.  Review the total number of PE hours required and any state-specific subject area requirements.\n\n4.  Make note of any additional state-specific deadlines or course restrictions that may apply.\n\n**Parent topic:**Completing Pre-Licensure Education",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_PrepdeterminingStateSpecificPeRequirements_2.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_PrepdeterminingStateSpecificPeRequirements_2.md",
      "headings": [
        "Determining State-Specific PE Requirements {#licInd_PrepdeterminingStateSpecificPeRequirements .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_PrepdeterminingStateSpecificPeRequirements_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_PrepdeterminingWhoIsResponsibleForPayment.md:chunk-0",
      "title": "Determining Who Is Responsible for Payment {#licInd_PrepdeterminingWhoIsResponsibleForPayment .concept}",
      "content": "# Determining Who Is Responsible for Payment \n\nBefore submitting your Individual MU4 application, determine whether you or your employer is responsible for paying the associated fees.\n\nIf your company is licensed or registered with a state through NMLS, either you or your employer may submit the Individual MU4 license or registration application.\n\nWhoever submits the application is also responsible for paying any associated fees at the time of submission to the state agency.\n\nIf your employer will be submitting and paying for the license or registration request, consult with your employer before proceeding.\n\nIf you are submitting the application yourself and are responsible for payment, you may proceed to gathering your application requirements.\n\nThe following resources may help you understand your relationship to your employer in NMLS and how payment responsibilities are handled:\n\n-   Company Access\n-   Company Relationship\n-   Sponsoring a License\n\n**Parent topic:**Working with Your Employer for License or Registration Applications",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_PrepdeterminingWhoIsResponsibleForPayment.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_PrepdeterminingWhoIsResponsibleForPayment.md",
      "headings": [
        "Determining Who Is Responsible for Payment {#licInd_PrepdeterminingWhoIsResponsibleForPayment .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_PrepdeterminingWhoIsResponsibleForPayment.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_PrepdeterminingWhoIsResponsibleForPayment_2.md:chunk-0",
      "title": "Determining Who Is Responsible for Payment {#licInd_PrepdeterminingWhoIsResponsibleForPayment .concept}",
      "content": "# Determining Who Is Responsible for Payment \n\nBefore submitting your Individual MU4 application, determine whether you or your employer is responsible for paying the associated fees.\n\nIf your company is licensed or registered with a state through NMLS, either you or your employer may submit the Individual MU4 license or registration application.\n\nWhoever submits the application is also responsible for paying any associated fees at the time of submission to the state agency.\n\nIf your employer will be submitting and paying for the license or registration request, consult with your employer before proceeding.\n\nIf you are submitting the application yourself and are responsible for payment, you may proceed to gathering your application requirements.\n\nThe following resources may help you understand your relationship to your employer in NMLS and how payment responsibilities are handled:\n\n-   Company Access\n-   Company Relationship\n-   Sponsoring a License\n\n**Parent topic:**Working with Your Employer for License or Registration Applications",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_PrepdeterminingWhoIsResponsibleForPayment_2.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_PrepdeterminingWhoIsResponsibleForPayment_2.md",
      "headings": [
        "Determining Who Is Responsible for Payment {#licInd_PrepdeterminingWhoIsResponsibleForPayment .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_PrepdeterminingWhoIsResponsibleForPayment_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_PrepenrollingInAnNmlsApprovedPeCourse.md:chunk-0",
      "title": "Enrolling in an NMLS-Approved PE Course {#licInd_PrepenrollingInAnNmlsApprovedPeCourse .task}",
      "content": "# Enrolling in an NMLS-Approved PE Course \n\nLearn how to search for, select, and enroll in a Pre-Licensure Education \\(PE\\) course from an NMLS-approved provider.\n\nBefore enrolling in a course, you should verify your state’s education requirements. Some states require more hours or specific subject matter beyond the federal minimum.\n\n1.  Review your state's PE requirements using the State-Specific Education Requirements \\(PE and CE\\).\n\n2.  Visit the NMLS Approved Course Provider List to search for approved course providers.\n\n3.  Filter for the type of course \\(e.g., online, in-person\\) and course hours that meet your needs.\n\n4.  Choose a course provider and follow their instructions to register and pay for the course.\n\n5.  If you have questions, refer to the Education FAQ - Pre-licensure Education \\(PE\\).\n\n**Parent topic:**Completing Pre-Licensure Education\n\n**MLO Education and Testing Guide**  \n\nMLO Education and Testing Guide\n\nViewing Your Education Record\n\nNMLS Approved Course Provider List\n\nState Education Requirements for PE and CE\n\nFAQs for PE\n\nFAQs for CE\n\n**NMLS Resource Center**  \n\nState Licensing Checklist Compiler\n\nState Renewals Checklist Compiler\n\nNMLS Resource Center Home\n\nNMLS Call Center",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_PrepenrollingInAnNmlsApprovedPeCourse.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_PrepenrollingInAnNmlsApprovedPeCourse.md",
      "headings": [
        "Enrolling in an NMLS-Approved PE Course {#licInd_PrepenrollingInAnNmlsApprovedPeCourse .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_PrepenrollingInAnNmlsApprovedPeCourse.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_PrepenrollingInAnNmlsApprovedPeCourse_2.md:chunk-0",
      "title": "Enrolling in an NMLS-Approved PE Course {#licInd_PrepenrollingInAnNmlsApprovedPeCourse .task}",
      "content": "# Enrolling in an NMLS-Approved PE Course \n\nLearn how to search for, select, and enroll in a Pre-Licensure Education \\(PE\\) course from an NMLS-approved provider.\n\nBefore enrolling in a course, you should verify your state’s education requirements. Some states require more hours or specific subject matter beyond the federal minimum.\n\n1.  Review your state's PE requirements using the State-Specific Education Requirements \\(PE and CE\\).\n\n2.  Visit the NMLS Approved Course Provider List to search for approved course providers.\n\n3.  Filter for the type of course \\(e.g., online, in-person\\) and course hours that meet your needs.\n\n4.  Choose a course provider and follow their instructions to register and pay for the course.\n\n5.  If you have questions, refer to the Education FAQ - Pre-licensure Education \\(PE\\).\n\n**Parent topic:**Completing Pre-Licensure Education",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_PrepenrollingInAnNmlsApprovedPeCourse_2.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_PrepenrollingInAnNmlsApprovedPeCourse_2.md",
      "headings": [
        "Enrolling in an NMLS-Approved PE Course {#licInd_PrepenrollingInAnNmlsApprovedPeCourse .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_PrepenrollingInAnNmlsApprovedPeCourse_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_PreppassingTheSafeMloTest.md:chunk-0",
      "title": "Passing the SAFE MLO Test {#licInd_PreppassingTheSafeMloTest .concept}",
      "content": "# Passing the SAFE MLO Test \n\nUnderstand the requirements and structure of the SAFE Mortgage Loan Originator \\(MLO\\) Test, and how to prepare for and schedule your exam.\n\nThe SAFE MLO Test is a federally mandated exam that all mortgage loan originators must pass in order to obtain a state license. The test ensures applicants understand federal law, ethics, and standard mortgage practices.\n\nThe exam includes a National Component with Uniform State Content. You must pass this exam before applying for licensure in most states.\n\nTo prepare for and schedule your exam, review the MLO Education and Testing Guide. This handbook provides information about test enrollment, fees, ID requirements, exam content, study strategies, and rules for retaking the test if needed.\n\nYou should not schedule the SAFE MLO Test until you have completed your required pre-licensure education \\(PE\\).\n\n-   **Enrolling in the SAFE MLO Test**  \nMany state agencies require a passing score on the National Component with Uniform State Content and/or State Components of the SAFE MLO Test and completion of pre-licensure education prior to submitting the Individual \\(MU4\\) Form application for licensure.\n\n**Parent topic:**Before You Apply",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_PreppassingTheSafeMloTest.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_PreppassingTheSafeMloTest.md",
      "headings": [
        "Passing the SAFE MLO Test {#licInd_PreppassingTheSafeMloTest .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_PreppassingTheSafeMloTest.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_PreppreparingToApplyForIndividualLicensesOrRegistrations.md:chunk-0",
      "title": "Before You Apply {#licInd_PreppreparingToApplyForIndividualLicensesOrRegistrations .concept}",
      "content": "# Before You Apply \n\nBefore you apply for an individual license or registration in NMLS, there are a several tasks you need to complete.\n\nApplying for a license or registration through NMLS requires several steps before you can begin the actual application process. These steps ensure that you meet all eligibility and documentation requirements and are properly prepared to proceed.\n\nThe following topics in this section will help guide you through the preparation process:\n\n-   **NMLS Account Setup:** If you do not already have an NMLS account, you will need to create one to begin the application process.\n-   **Working With Your Employer:** If you are currently employed, your company may assist in submitting or paying for your license request. Coordinate with them before proceeding.\n-   **Gathering Application Requirements:** Use tools available on the NMLS Resource Center to review and collect state-specific and federal application materials.\n-   **Completing Pre-Licensure Education \\(PE\\):** PE is required under the SAFE Act and must be completed before you can apply in most states.\n-   **Passing the SAFE MLO Test:** You must pass the required exam before submitting your license application in most states.\n\nCompleting these steps in advance will help streamline your application process and reduce the chances of delay or rejection.\n\n-   **Working with Your Employer for License or Registration Applications**  \nBefore beginning your application, check with your employer to understand how they may support or participate in the process.\n-   **Gathering Requirements**  \nUnderstand how to identify and collect the information and documents needed to complete filings in NMLS.\n-   **Completing Pre-Licensure Education**  \nUnderstand the process for completing Pre-Licensure Education in pursuit of an individual NMLS license.\n-   **Passing the SAFE MLO Test**  \nUnderstand the requirements and structure of the SAFE Mortgage Loan Originator \\(MLO\\) Test, and how to prepare for and ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_PreppreparingToApplyForIndividualLicensesOrRegistrations.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_PreppreparingToApplyForIndividualLicensesOrRegistrations.md",
      "headings": [
        "Before You Apply {#licInd_PreppreparingToApplyForIndividualLicensesOrRegistrations .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_PreppreparingToApplyForIndividualLicensesOrRegistrations.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_PreppreparingToApplyForIndividualLicensesOrRegistrations.md:chunk-1",
      "title": "Before You Apply {#licInd_PreppreparingToApplyForIndividualLicensesOrRegistrations .concept}",
      "content": "n in pursuit of an individual NMLS license.\n-   **Passing the SAFE MLO Test**  \nUnderstand the requirements and structure of the SAFE Mortgage Loan Originator \\(MLO\\) Test, and how to prepare for and schedule your exam.\n\n**Parent topic:**Licensing Process Overview for Individual Licensees or Registrants",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_PreppreparingToApplyForIndividualLicensesOrRegistrations.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_PreppreparingToApplyForIndividualLicensesOrRegistrations.md",
      "headings": [
        "Before You Apply {#licInd_PreppreparingToApplyForIndividualLicensesOrRegistrations .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_PreppreparingToApplyForIndividualLicensesOrRegistrations.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_PrepviewingEducationRecordsInNmls.md:chunk-0",
      "title": "Viewing Education Records in NMLS {#licInd_PrepviewingEducationRecordsInNmls .task}",
      "content": "# Viewing Education Records in NMLS \n\nLearn how to access and review your Pre-Licensure Education \\(PE\\) and Continuing Education \\(CE\\) records in NMLS Connect.\n\nNMLS maintains a record of all Pre-Licensure Education \\(PE\\) and Continuing Education \\(CE\\) courses you have completed with approved providers.\n\nThese records are reported by the education providers and typically appear in your account within 7 calendar days of course completion.\n\nUse the Education Record feature to verify that your PE has been posted before applying for a license, or to check CE completion during annual renewal.\n\nMore information about this feature is available here:\n\n-   Education Record\n-   Understand Your Education Record\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Select the **View Education Completion Record** tile in the Quick Links section.\n\n    The View Education Completion Record window opens in a lightbox on your screen.\n\n4.  Review the list of completed PE and CE courses. Confirm that required hours and subjects are correctly reflected.\n\n5.  If any expected course is missing, contact the education provider to verify that it has been reported to NMLS.\n\nPassing the SAFE MLO Test\n\n**Parent topic:**Completing Pre-Licensure Education\n\n**MLO Education and Testing Guide**  \n\nMLO Education and Testing Guide\n\nViewing Your Education Record\n\nNMLS Approved Course Provider List\n\nState Education Requirements for PE and CE\n\nFAQs for PE\n\nFAQs for CE\n\n**NMLS Resource Center**  \n\nState Licensing Checklist Compiler\n\nState Renewals Checklist Compiler\n\nNMLS Resource Center Home\n\nNMLS Call Center",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_PrepviewingEducationRecordsInNmls.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_PrepviewingEducationRecordsInNmls.md",
      "headings": [
        "Viewing Education Records in NMLS {#licInd_PrepviewingEducationRecordsInNmls .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_PrepviewingEducationRecordsInNmls.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_PrepviewingEducationRecordsInNmls_2.md:chunk-0",
      "title": "Viewing Education Records in NMLS {#licInd_PrepviewingEducationRecordsInNmls .task}",
      "content": "# Viewing Education Records in NMLS \n\nLearn how to access and review your Pre-Licensure Education \\(PE\\) and Continuing Education \\(CE\\) records in NMLS Connect.\n\nNMLS maintains a record of all Pre-Licensure Education \\(PE\\) and Continuing Education \\(CE\\) courses you have completed with approved providers.\n\nThese records are reported by the education providers and typically appear in your account within 7 calendar days of course completion.\n\nUse the Education Record feature to verify that your PE has been posted before applying for a license, or to check CE completion during annual renewal.\n\nMore information about this feature is available here:\n\n-   Education Record\n-   Understand Your Education Record\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Select the **View Education Completion Record** tile in the Quick Links section.\n\n    The View Education Completion Record window opens in a lightbox on your screen.\n\n4.  Review the list of completed PE and CE courses. Confirm that required hours and subjects are correctly reflected.\n\n5.  If any expected course is missing, contact the education provider to verify that it has been reported to NMLS.\n\nPassing the SAFE MLO Test\n\n**Parent topic:**Completing Pre-Licensure Education",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_PrepviewingEducationRecordsInNmls_2.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_PrepviewingEducationRecordsInNmls_2.md",
      "headings": [
        "Viewing Education Records in NMLS {#licInd_PrepviewingEducationRecordsInNmls .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_PrepviewingEducationRecordsInNmls_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_PrepworkingWithYourEmployerForLicenseOrRegistrationApplications.md:chunk-0",
      "title": "Working with Your Employer for License or Registration Applications {#licInd_PrepworkingWithYourEmployerForLicenseOrRegistrationApplications .concept}",
      "content": "# Working with Your Employer for License or Registration Applications \n\nBefore beginning your application, check with your employer to understand how they may support or participate in the process.\n\nIf you are currently employed by a company licensed or registered through NMLS, coordinate with them before you begin your Individual MU4 license or registration application.\n\nEmployers may choose to submit and/or pay for the application on your behalf, and many companies have internal procedures or staff to help guide you through the process.\n\nIf you are not currently employed, you may still apply for a license or registration independently. However, certain license types require sponsorship from an employer before the license can be approved.\n\nThe following resources provide more detail on working with your employer in NMLS:\n\n-   Company Access – Understanding company access to your record\n-   Company Relationship – How your record is associated with your employer\n-   Sponsoring a License – How sponsorship works and when it’s required\n\n-   **Determining Who Is Responsible for Payment**  \nBefore submitting your Individual MU4 application, determine whether you or your employer is responsible for paying the associated fees.\n-   **Granting Access to Your Company**  \nProvide your company access to your NMLS record so that they can sponsor your license \\(if their license is managed through NMLS\\).\n-   **Getting Sponsored by Your Employer**  \nExplains the purpose and workflow of sponsorship in NMLS, including the steps of granting access to a company, establishing a relationship, and initiating sponsorship by an employer.\n\n**Parent topic:**Before You Apply",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_PrepworkingWithYourEmployerForLicenseOrRegistrationApplications.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_PrepworkingWithYourEmployerForLicenseOrRegistrationApplications.md",
      "headings": [
        "Working with Your Employer for License or Registration Applications {#licInd_PrepworkingWithYourEmployerForLicenseOrRegistrationApplications .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_PrepworkingWithYourEmployerForLicenseOrRegistrationApplications.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_PrepworkingWithYourEmployerForLicenseOrRegistrationApplications_2.md:chunk-0",
      "title": "Working with Your Employer for License or Registration Applications {#licInd_PrepworkingWithYourEmployerForLicenseOrRegistrationApplications .concept}",
      "content": "# Working with Your Employer for License or Registration Applications \n\nBefore beginning your application, check with your employer to understand how they may support or participate in the process.\n\nIf you are currently employed by a company licensed or registered through NMLS, coordinate with them before you begin your Individual MU4 license or registration application.\n\nEmployers may choose to submit and/or pay for the application on your behalf, and many companies have internal procedures or staff to help guide you through the process.\n\nIf you are not currently employed, you may still apply for a license or registration independently. However, certain license types require sponsorship from an employer before the license can be approved.\n\nThe following resources provide more detail on working with your employer in NMLS:\n\n-   Company Access – Understanding company access to your record\n-   Company Relationship – How your record is associated with your employer\n-   Sponsoring a License – How sponsorship works and when it’s required\n\n-   **Determining Who Is Responsible for Payment**  \nBefore submitting your Individual MU4 application, determine whether you or your employer is responsible for paying the associated fees.\n\n**Parent topic:**Requesting Additional Individual Licenses",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_PrepworkingWithYourEmployerForLicenseOrRegistrationApplications_2.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_PrepworkingWithYourEmployerForLicenseOrRegistrationApplications_2.md",
      "headings": [
        "Working with Your Employer for License or Registration Applications {#licInd_PrepworkingWithYourEmployerForLicenseOrRegistrationApplications .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_PrepworkingWithYourEmployerForLicenseOrRegistrationApplications_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_doYouNeedAStateLicenseOrRegistration.md:chunk-0",
      "title": "Do You Need a State License or Registration? {#licInd_doYouNeedAStateLicenseOrRegistration .concept}",
      "content": "# Do You Need a State License or Registration? \n\nState licenses or registrations are required for individuals working for state-regulated non-bank entities. If you work for a federally regulated bank or credit union, please see Registration Guide for Federally-Regulated MLOs.\n\n## Determining if You Are State or Federally Regulated \n\nNon-bank vs. Bank \\(non-depository vs. depository\\).\n\n-   Non-bank / non-depository institutions cannot accept monetary deposits from consumers\n-   Bank / depository institutions are legally allowed to accept monetary deposits from consumers\n\n## Federally Registered MLOs Seeking State Licensure or Registration \n\nIf you are a federally registered MLO that is becoming state-licensed, see NMLS Policy Guide: Temporary Authority for more information.\n\n**Parent topic:**Licensing Process Overview for Individual Licensees or Registrants",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_doYouNeedAStateLicenseOrRegistration.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_doYouNeedAStateLicenseOrRegistration.md",
      "headings": [
        "Do You Need a State License or Registration? {#licInd_doYouNeedAStateLicenseOrRegistration .concept}",
        "Determining if You Are State or Federally Regulated {#section_k2b_mlv_f2c .section}",
        "Federally Registered MLOs Seeking State Licensure or Registration {#section_mhp_nmv_f2c .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_doYouNeedAStateLicenseOrRegistration.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_licensingProcessOverviewForIndividualLicenseesOrRegistrants.md:chunk-0",
      "title": "Licensing Process Overview for Individual Licensees or Registrants {#licensingProcessOverviewForIndividualLicenseesOrRegistrants .concept}",
      "content": "# Licensing Process Overview for Individual Licensees or Registrants \n\nProvides a high-level overview of the steps for obtaining a state license or registration through NMLS.\n\nThis topic summarizes the typical end-to-end pathway an individual follows to obtain and maintain a state mortgage loan originator \\(MLO\\) license through NMLS. Requirements and sequencing can vary by state; always verify state-specific instructions and timelines.\n\n## 1. Pre-Licensure Requirements { .section}\n\nBefore applying in NMLS, most states require candidates to:\n\n-   Complete **Pre-Licensure Education.**\n-   Pass the **SAFE MLO Test.**\n\n## 2. Employment Sponsorship { .section}\n\nMost states require an employing company to **sponsor** the individual in NMLS. Sponsorship links the individual to the company for the license application.\n\n## 3. MU4 Filing \\(Individual License Application\\) { .section}\n\nThe applicant completes the **Individual MU4 Form** in NMLS.\n\nAt this stage, applicants are also required to complete:\n\n-   **Criminal Background Check:** Submit fingerprints for a criminal background check.\n-   **Credit Check:** Authorize a credit check.\n\n## 4. Submission and Fees { .section}\n\nAfter the MU4 is complete, the applicant \\(or the sponsoring company\\) submits the license application and pays all applicable NMLS and state fees.\n\n## 5. Regulator Review { .section}\n\nState regulators review the application. If more information is needed, regulators issue **license items** in NMLS for the applicant or company to address.\n\n## 6. Approval { .section}\n\nWhen all requirements are satisfied, the state regulator approves the application. The license appears in NMLS and becomes active, so the individual may conduct mortgage loan origination activities under the sponsoring licensed company.\n\n## 7. Continuing Obligations and Annual Renewal { .section}\n\nLicensed MLOs must complete annual **continuing education \\(CE\\)** and renew their license in NMLS during the standard **Renewal Period \\(November",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_licensingProcessOverviewForIndividualLicenseesOrRegistrants.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_licensingProcessOverviewForIndividualLicenseesOrRegistrants.md",
      "headings": [
        "Licensing Process Overview for Individual Licensees or Registrants {#licensingProcessOverviewForIndividualLicenseesOrRegistrants .concept}",
        "1. Pre-Licensure Requirements { .section}",
        "2. Employment Sponsorship { .section}",
        "3. MU4 Filing \\(Individual License Application\\) { .section}",
        "4. Submission and Fees { .section}",
        "5. Regulator Review { .section}",
        "6. Approval { .section}",
        "7. Continuing Obligations and Annual Renewal { .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_licensingProcessOverviewForIndividualLicenseesOrRegistrants.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_licensingProcessOverviewForIndividualLicenseesOrRegistrants.md:chunk-1",
      "title": "Licensing Process Overview for Individual Licensees or Registrants {#licensingProcessOverviewForIndividualLicenseesOrRegistrants .concept}",
      "content": "ontinuing Obligations and Annual Renewal { .section}\n\nLicensed MLOs must complete annual **continuing education \\(CE\\)** and renew their license in NMLS during the standard **Renewal Period \\(November 1–December 31\\)**.\n\n-   **Do You Need a State License or Registration?**  \nState licenses or registrations are required for individuals working for state-regulated non-bank entities. If you work for a federally regulated bank or credit union, please see Registration Guide for Federally-Regulated MLOs.\n-   **Before You Apply**  \nBefore you apply for an individual license or registration in NMLS, there are a several tasks you need to complete.\n\n**NMLS Help**  \n\nAccount Administration\n\nChoosing Your Account Adminitstrators\n\nNMLS Two-Factor Authentication\n\nRequest an Individual Account\n\nNMLS Account Recovery\n\nManaging NMLS User Profiles\n\n**NMLS Resource Center**  \n\nNMLS Resource Center Home\n\nNMLS Call Center",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_licensingProcessOverviewForIndividualLicenseesOrRegistrants.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_licensingProcessOverviewForIndividualLicenseesOrRegistrants.md",
      "headings": [
        "Licensing Process Overview for Individual Licensees or Registrants {#licensingProcessOverviewForIndividualLicenseesOrRegistrants .concept}",
        "1. Pre-Licensure Requirements { .section}",
        "2. Employment Sponsorship { .section}",
        "3. MU4 Filing \\(Individual License Application\\) { .section}",
        "4. Submission and Fees { .section}",
        "5. Regulator Review { .section}",
        "6. Approval { .section}",
        "7. Continuing Obligations and Annual Renewal { .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_licensingProcessOverviewForIndividualLicenseesOrRegistrants.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu2Filing.md:chunk-0",
      "title": "Individual MU2 Form Filing {#licInd_mu2FormFiling .concept}",
      "content": "# Individual MU2 Form Filing \n\nUnderstand what the Individual \\(MU2\\) Form is, who must complete it, and the role it plays in company and branch filings in NMLS.\n\nThe Individual \\(MU2\\) Form is required for certain natural persons associated with a company or branch filing in NMLS. This topic provides general instructions for completing the MU2 and explains how it interacts with company and branch filings. For authoritative policy requirements, see the NMLS Policy Guide.\n\n## General Instructions \n\nFiling\n:   The Individual Form \\(MU2\\) is an automatic requirement and is part of the Company and Branch Forms. These filings will not be considered complete without all Individual \\(MU2\\) data entered and attested to by each individual.\n\n    The Individual \\(MU2\\) Form is required for all natural persons identified in the Company Form. In addition, all Qualifying Individuals and Branch Managers identified on the Company Form \\(MU1\\) must submit an Individual \\(MU2\\) Form. Any natural person who is an indirect owner of 10% or more must submit an Individual \\(MU2\\) Form. For percentage requirements in other industries, see the state licensing requirements on the State Licensing Checklist Compiler.\n\n    An applicant or licensee must also refer to state licensing requirements published by each state in which it is applying. Some states may require biographical information about individuals that do not fit the Control Person definition. These states may therefore request an Individual \\(MU2\\) Form with other filings. Applicants must also update the roster of control persons on the Company Form as needed, potentially requiring additional MU2 filings. State agencies may require authorization for a credit report and/or a criminal background check to be submitted upon filing the Individual \\(MU2\\) Form.\n\n## Subtopics \n\n-   Attesting to an MU2 Form Filing\n-   Answering MU2 Form Filing Disclosure Questions\n-   Providing MU2 Form Filing Disclosure Explanations\n-   Managing MU2 Form F",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu2Filing.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu2Filing.md",
      "headings": [
        "Individual MU2 Form Filing {#licInd_mu2FormFiling .concept}",
        "General Instructions {#general_instructions .section}",
        "Subtopics {#section_fhb_kxj_lgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu2Filing.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu2Filing.md:chunk-1",
      "title": "Individual MU2 Form Filing {#licInd_mu2FormFiling .concept}",
      "content": "idual \\(MU2\\) Form.\n\n## Subtopics \n\n-   Attesting to an MU2 Form Filing\n-   Answering MU2 Form Filing Disclosure Questions\n-   Providing MU2 Form Filing Disclosure Explanations\n-   Managing MU2 Form Filing Document Uploads\n-   Completing the CBC Process for MU2 Individuals\n-   Submitting a Credit Report for MU2 Individuals\n\n-   **Identifying Information**  \nIndividual’s Identifying Information and guidance for the information are below.\n-   **Other Names**  \nIndividuals are required to provide any names other than their legal name used since the age of 18. Examples include nicknames, aliases, initials, names used on business cards or advertisements, and names used before or after marriage.\n-   **Residential History**  \nProvide full residential history for the past 10 years. No gaps should be present.\n-   **Employment History**  \nAn individual must provide a complete employment history for the past 10 years. Provide the full legal name of the company, beginning with the current employer.\n-   **Other Business**  \nIf the individual indicated that they are engaged in **Other Business Activities** on the Identifying Information screen, they are required to provide information about that business.\n-   **Disclosure Questions**  \nAll Disclosure Questions must be answered. Any **Yes** response requires an explanation to be provided in the Disclosure Explanations section.\n-   **Disclosure Explanations**  \nIndividuals are required to update their Disclosure Explanations when circumstances change in accordance with state law or within 30 days, whichever is shorter. This includes adding a new explanation for each new event, even if the disclosure question response hasn’t changed.\n-   **Criminal Background Check \\(CBC\\)**  \nAs determined by each state agency, certain Control Persons, Direct Owners, Indirect Owners, Executive Officers, Branch Managers, and Qualifying Individuals are required to submit a Criminal Background Check \\(CBC\\) through NMLS.\n-   **Document Uploads**  \nThe",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu2Filing.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu2Filing.md",
      "headings": [
        "Individual MU2 Form Filing {#licInd_mu2FormFiling .concept}",
        "General Instructions {#general_instructions .section}",
        "Subtopics {#section_fhb_kxj_lgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu2Filing.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu2Filing.md:chunk-2",
      "title": "Individual MU2 Form Filing {#licInd_mu2FormFiling .concept}",
      "content": " Direct Owners, Indirect Owners, Executive Officers, Branch Managers, and Qualifying Individuals are required to submit a Criminal Background Check \\(CBC\\) through NMLS.\n-   **Document Uploads**  \nThe Document Uploads section allows individuals to upload and submit PDF documents to regulators.\n-   **Credit Report Request**  \nIndividuals should consult the state licensing requirements to determine if they should request a credit report through NMLS.\n-   **Attest and Submit**  \nThe individual must attest to the MU2 form before the company can then submit the Company \\(MU1\\) filing.\n\n**Parent topic:**Chapter III—NMLS Individual Form \\(MU2\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu2Filing.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu2Filing.md",
      "headings": [
        "Individual MU2 Form Filing {#licInd_mu2FormFiling .concept}",
        "General Instructions {#general_instructions .section}",
        "Subtopics {#section_fhb_kxj_lgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu2Filing.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu2_CBC.md:chunk-0",
      "title": "Completing the CBC Process for MU2 Individuals {#licInd_mu2_cbcProcess .task}",
      "content": "# Completing the CBC Process for MU2 Individuals \n\nAuthorize and complete the Criminal Background Check \\(CBC\\) process, including scheduling fingerprint appointments and managing agency access to CBC results.\n\nSome state regulators require individuals identified on the Company \\(MU1\\) Form to complete a Criminal Background Check \\(CBC\\). The CBC process includes authorizing the background check, scheduling and completing fingerprinting through Fieldprint, and granting agencies access to your CBC results. If additional agencies need access while your request is still pending, you may grant or remove agency access through NMLS. For authoritative requirements, see the NMLS Policy Guide.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Select the MU2 tab.\n\n4.  Click **Review and Attest**, then select the Criminal Background Check section.\n\n5.  Select the **I am requesting a Federal Criminal Background Check** checkbox.\n\n6.  Choose one of the available fingerprinting options:\n\n    -   **Submit New Prints**\n    -   **Use Existing Prints**\n    -   **Use Pending Prints**\n7.  Complete the Demographics section and click **Save**.\n\n8.  Review the agency authorization list provided by your company.\n\n    1.  Select the checkbox for each agency and confirm by agreeing to the attestation language.\n\n    2.  Click **Confirm Requests** to complete the attestation.\n\n9.  Click **Attest and Submit**, then confirm the attestation language and click **Attest**.\n\n    **Note:** The company must submit the filing with payment before the CBC process continues. If you selected **Submit New Prints**, you must complete a fingerprint appointment.\n\n10. **Schedule your fingerprint appointment:**\n\n    1.  From Composite View, open **View Individual**, then click **View Criminal Background Check Requests**.\n\n    2.  Click **Schedule your fingerprinting appointment** to access the Fieldprint website.\n\n    3.  Create a Fieldprint account, verify your email",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu2_CBC.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu2_CBC.md",
      "headings": [
        "Completing the CBC Process for MU2 Individuals {#licInd_mu2_cbcProcess .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu2_CBC.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu2_CBC.md:chunk-1",
      "title": "Completing the CBC Process for MU2 Individuals {#licInd_mu2_cbcProcess .task}",
      "content": "click **View Criminal Background Check Requests**.\n\n    2.  Click **Schedule your fingerprinting appointment** to access the Fieldprint website.\n\n    3.  Create a Fieldprint account, verify your email, and log in.\n\n    4.  Enter your personal information, review required disclosures, and agree to the statements.\n\n    5.  Use the scheduling tool to select a location, date, and time. Confirm your appointment.\n\n11. **If additional agencies need access while your CBC request is still pending:**\n\n    1.  Click the CBC Agency Access option from the MU2 tab.\n\n    2.  Select **Manage Agency Access**, choose agencies to add, agree to the attestation, and click **Confirm Requests**.\n\n12. **To remove an agency’s access:**\n\n    1.  Click CBC Agency Access from the MU2 tab and open **Manage Agency Access**.\n\n    2.  Click **Remove** next to the agency name and confirm.\n\n**Parent topic:**Criminal Background Check \\(CBC\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu2_CBC.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu2_CBC.md",
      "headings": [
        "Completing the CBC Process for MU2 Individuals {#licInd_mu2_cbcProcess .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu2_CBC.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu2_attesting.md:chunk-0",
      "title": "Attesting to an MU2 Form Filing {#licInd_mu2_attesting .task}",
      "content": "# Attesting to an MU2 Form Filing \n\nHow to log in to your individual NMLS account, review all sections of your MU2 Form, and legally attest to the filing.\n\nWhen your company initiates or modifies your Individual \\(MU2\\) Form, you will receive an email notification to log in to NMLS and attest to the filing. You must review and complete all sections listed in the left navigation panel of the MU2 Form, then submit the attestation from your individual account. The MU2 Form does not require payment after attestation, but your attestation is required before the company can submit the related filing. For authoritative requirements, see the NMLS Policy Guide.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Select the MU2 tab.\n\n4.  Click **Review and Attest**.\n\n5.  Complete each section listed in the left navigation panel, from Identifying Information through Credit Report Request. Save your data before moving to the next section.\n\n    **Note:** The requirement for a credit report or criminal background check is determined by your state regulator. Consult theState Licensing Checklist Compiler to confirm if these are required.\n\n6.  Click **Attest and Submit** on the left navigation panel.\n\n7.  Review the attestation language, select the checkbox to verify your identity, and click **Attest**.\n\nYour company's NMLS account administrator is notified of your attestation.\n\n**Parent topic:**Attest and Submit",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu2_attesting.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu2_attesting.md",
      "headings": [
        "Attesting to an MU2 Form Filing {#licInd_mu2_attesting .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu2_attesting.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu2_creditReport.md:chunk-0",
      "title": "Submitting a Credit Report for MU2 Individuals {#licInd_mu2_creditReport .task}",
      "content": "# Submitting a Credit Report for MU2 Individuals \n\nRequest and submit a credit report for your MU2 Form, complete the identity verification process, and attest to the filing.\n\nSome state regulators require individuals identified in a company filing to authorize a credit report through NMLS. This process must be completed before the MU2 Form can be attested and submitted. The first time you request a credit report, you must also complete the Identity Verification \\(IDV\\) process.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Select the MU2 tab.\n\n4.  Click **Review and Attest** to open your MU2 Form.\n\n5.  Review all sections of the MU2 Form for accuracy, then select Credit Report Request from the left navigation panel.\n\n6.  Select the checkbox for **Request a new credit report** and click **Save**.\n\n7.  Click the **Identity Verification \\(IDV\\)** link.\n\n    **Note:** The IDV process is required only for your first credit report submission. Subsequent requests do not require repeating IDV.\n\n8.  Read and agree to the TransUnion Smartmove Service Agreement by selecting the checkbox and clicking **I Agree**.\n\n9.  Answer the identity verification questions generated from your TransUnion® credit report or demographic history.\n\n10. Click **Finish**, then **Return to Filing**.\n\n11. Select **Attest and Submit** from the left navigation panel.\n\n12. Review the attestation language, check the verification box, and click **Submit Filing** to submit the filing to your regulator.\n\n    **Note:** If you have a security freeze on your TransUnion credit profile, lift it before requesting the report. If not lifted, the filing and payment will be void and must be resubmitted once the freeze is cleared.\n\n**Parent topic:**Credit Report Request",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu2_creditReport.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu2_creditReport.md",
      "headings": [
        "Submitting a Credit Report for MU2 Individuals {#licInd_mu2_creditReport .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu2_creditReport.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu2_disclosureExplanations.md:chunk-0",
      "title": "Providing MU2 Form Filing Disclosure Explanations {#licInd_mu2_disclosureExplanations .task}",
      "content": "# Providing MU2 Form Filing Disclosure Explanations \n\nProvide detailed explanations for all disclosure questions answered “Yes,” clarify certain “No” responses if required, and upload supporting documentation.\n\nUse the Disclosure Explanations section of the Individual \\(MU2\\) Form to provide details for each “Yes” response and, if applicable, certain “No” responses. Each explanation should describe a single event and may be linked to one or more disclosure questions. Multiple explanations may be provided if multiple events are related to a single question. Each explanation may include one supporting PDF document. Combine multiple documents for a single event into one PDF, and do not combine documentation for multiple events into a single file. For authoritative definitions and requirements, see the NMLS Policy Guide.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Select the MU2 tab.\n\n4.  Click **Review and Attest**, then select the Disclosure Explanations section from the left navigation panel.\n\n5.  To add an explanation for a “Yes” response:\n\n    1.  Click **Add Explanation for “Yes” Responses**.\n\n    2.  Enter the **Event Explanation Detail**.\n\n    3.  Select the applicable **Disclosure Question Category**.\n\n    4.  \\(Optional\\) Upload a single PDF **Supporting File** with official documentation \\(such as court orders or regulatory findings\\).\n\n    5.  Click **Save**.\n\n6.  To add an explanation for a “No” response:\n\n    1.  Click **Add Explanation for “No” Responses**.\n\n    2.  Enter the **Event Explanation Detail**.\n\n    3.  Select the applicable **Disclosure Question Category**.\n\n    4.  \\(Optional\\) Upload a single PDF **Supporting File**, if needed.\n\n    5.  Click **Save**.\n\n7.  To amend an existing explanation:\n\n    1.  Click the **Edit** icon next to the explanation.\n\n    2.  Click **Amend**, update the necessary fields, and enter an **Amendment Reason**.\n\n    3.  Click **Save**.\n\n8.  To delete an explanation:\n",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu2_disclosureExplanations.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu2_disclosureExplanations.md",
      "headings": [
        "Providing MU2 Form Filing Disclosure Explanations {#licInd_mu2_disclosureExplanations .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu2_disclosureExplanations.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu2_disclosureExplanations.md:chunk-1",
      "title": "Providing MU2 Form Filing Disclosure Explanations {#licInd_mu2_disclosureExplanations .task}",
      "content": " 1.  Click the **Edit** icon next to the explanation.\n\n    2.  Click **Amend**, update the necessary fields, and enter an **Amendment Reason**.\n\n    3.  Click **Save**.\n\n8.  To delete an explanation:\n\n    1.  Click the **Edit** icon, then select **Delete**.\n\n    2.  Enter the **Reason for Deleting the Explanation** and click **Save**.\n\n**Parent topic:**Disclosure Explanations",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu2_disclosureExplanations.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu2_disclosureExplanations.md",
      "headings": [
        "Providing MU2 Form Filing Disclosure Explanations {#licInd_mu2_disclosureExplanations .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu2_disclosureExplanations.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu2_documentUploads.md:chunk-0",
      "title": "Managing MU2 Form Filing Document Uploads {#licInd_mu2_documentUploads .task}",
      "content": "# Managing MU2 Form Filing Document Uploads \n\nUpload, update, and delete documents required to support your MU2 Form filing in NMLS.\n\nUse the Document Uploads section of the Individual \\(MU2\\) Form to provide PDF files that support your disclosure explanations or other required records. Only the applicable document type should be uploaded. If you have multiple files for one document type, combine them into a single PDF before uploading. If different versions of the same document type are required for multiple states, upload each state-specific version separately. For document type definitions and examples, see Document Upload Descriptions and Examples.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Select the MU2 tab.\n\n4.  Click **Review and Attest**, then select the Document Uploads section from the left navigation panel.\n\n5.  **To upload a document:**\n\n    1.  Click **Add**.\n\n    2.  Select a **Document Type** from the drop-down menu.\n\n    3.  \\(If applicable\\) Select a **State** from the drop-down menu.\n\n    4.  \\(Optional\\) Enter a **Comment**.\n\n    5.  Click **Browse**, select the PDF file, then click **Open**.\n\n    6.  Click **Add** to complete the upload.\n\n6.  **To update a document:**\n\n    1.  Click **Amend** next to the document you want to update.\n\n    2.  Click **Browse**, select the replacement PDF file, and click **Open**.\n\n    3.  Click **Amend** to replace the file.\n\n7.  **To delete a document:**\n\n    1.  Click **Delete** next to the document you want to remove.\n\n    2.  Click **OK** to confirm the deletion.\n\n    **Note:** NMLS stores all previously uploaded filings historically. Regulators may still request new or updated documentation, even after a document is deleted.\n\n**Parent topic:**Document Uploads",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu2_documentUploads.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu2_documentUploads.md",
      "headings": [
        "Managing MU2 Form Filing Document Uploads {#licInd_mu2_documentUploads .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu2_documentUploads.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4FilingansweringDisclosureQuestions.md:chunk-0",
      "title": "Answering Disclosure Questions {#mu4FilingansweringDisclosureQuestions .task}",
      "content": "# Answering Disclosure Questions \n\nHow to answer disclosure questions in the Individual MU4 Form.\n\nDisclosure questions in the MU4 form must be answered truthfully and completely, as they relate to legal, financial, and professional background. See the NMLS Policy Guide for authoritative information on disclosure questions.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Navigate to your MU4 Filing.\n\n    -   If you already have a license and need to make an update, select **Update Record** from the Actions section.\n    -   If you already have a filing in progress, select the **MU4 Filing** link under My Tasks.\n    -   If you are completing a new license application, select the **Add New License** button.\n    An MU4 Form is opened.\n\n4.  Select the **Disclosure Questions** link on the left navigation panel.\n\n5.  Answer each question and provide explanations or documentation if required.\n\n    **Note:** See Providing Disclosure Explanations for more information.\n\n6.  Select **Save**.\n\nCompleting the Criminal Background Check Process\n\n-   **Providing Disclosure Explanations**  \nHow to provide explanations to disclosure questions in the MU4 form and upload appropriate supporting documentation.\n\n**Parent topic:**Disclosure Questions",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4FilingansweringDisclosureQuestions.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4FilingansweringDisclosureQuestions.md",
      "headings": [
        "Answering Disclosure Questions {#mu4FilingansweringDisclosureQuestions .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4FilingansweringDisclosureQuestions.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4FilingattestingToMu4NewApplicationFilingsCreatedBySponsoringCompany.md:chunk-0",
      "title": "Attesting to MU4 Filings Created by Sponsoring Company {#attestingToMu4NewApplicationFilingsCreatedBySponsoringCompany .task}",
      "content": "# Attesting to MU4 Filings Created by Sponsoring Company \n\nDescribes how to attest to Individual MU4 Filings created by a sponsoring company.\n\nWhen attestation is required, you will receive an email notification instructing you to attest to a filing. When a sponsoring company creates an Individual MU4 filing for a sponsored individual, the individual must attest before submission.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Select the **MU4 Filing** link under My Tasks.\n\n    **Note:** The status will be `Attestation Requested`.\n\n4.  Review the filing for accuracy.\n\n5.  Select the **Attest and Submit** link in the left navigation panel.\n\n6.  Review the errors and warnings in the Completeness Check section.\n\n    **Note:** If there are any outstanding items, satisfy each item before attesting to the form.\n\n7.  Select **I verify that I am the named person above and agree to the language as stated**.\n\n8.  Select the **Attest** button.\n\nThe filing is returned to your sponsoring company for final submission and payment.\n\n**Parent topic:**Attest and Submit",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4FilingattestingToMu4NewApplicationFilingsCreatedBySponsoringCompany.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4FilingattestingToMu4NewApplicationFilingsCreatedBySponsoringCompany.md",
      "headings": [
        "Attesting to MU4 Filings Created by Sponsoring Company {#attestingToMu4NewApplicationFilingsCreatedBySponsoringCompany .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4FilingattestingToMu4NewApplicationFilingsCreatedBySponsoringCompany.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4FilingcheckingCriminalBackgroundCheckStatus.md:chunk-0",
      "title": "Checking Criminal Background Check Status {#licInd_mu4FilingcheckingCriminalBackgroundCheckStatus .task}",
      "content": "# Checking Criminal Background Check Status \n\nInstructions for checking the status of an existing criminal background check using Composite View in NMLS.\n\nAfter authorizing a criminal background check \\(CBC\\) via the Individual MU Form, you can monitor the progress and results of your CBC submission through the Composite View in NMLS.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Click the **Composite View** tab.\n\n    **Note:** If you are a state-licensed individual \\(not an MU2 individual for a state-licensed company\\), click **View Complete Record Information** in the Quick Links section of NMLS Connect.\n\n4.  Select **View Individual**.\n\n5.  In the left navigation panel, click **Criminal Background Check Requests**.\n\n**Parent topic:**Completing the Criminal Background Check Process",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4FilingcheckingCriminalBackgroundCheckStatus.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4FilingcheckingCriminalBackgroundCheckStatus.md",
      "headings": [
        "Checking Criminal Background Check Status {#licInd_mu4FilingcheckingCriminalBackgroundCheckStatus .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4FilingcheckingCriminalBackgroundCheckStatus.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4FilingcompletingApplicationRequirementsSubmittedOutsideOfNmls.md:chunk-0",
      "title": "Completing Application Requirements Submitted Outside of NMLS {#licInd_mu4FilingcompletingApplicationRequirementsSubmittedOutsideOfNmls .task}",
      "content": "# Completing Application Requirements Submitted Outside of NMLS \n\nLearn how to identify and complete application requirements that must be submitted directly to state agencies outside of NMLS.\n\nSome MU4 requirements must be completed outside of the NMLS system and submitted directly to the appropriate state agency.\n\nInformation about the requirements that must be completed outside of the NMLS system can be accessed via the Agency Guidance section of the Individual MU4 Form.\n\nAlternatively, you can refer to the following resources on the NMLS Resource Center:\n\n-   Use the State Licensing Checklist Compiler to generate a custom checklist for your license type and state.\n-   Review the **Licensing Requirements and Fees Chart** for details on document types, delivery methods, and deadlines.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Navigate to your MU4 Filing.\n\n    -   If you already have a license and need to make an update, select **Update Record** from the Actions section.\n    -   If you already have a filing in progress, select the **MU4 Filing** link under My Tasks.\n    -   If you are completing a new license application, select the **Add New License** button.\n    An MU4 Form is opened.\n\n4.  Select the **Agency Guidance** link on the left navigation panel.\n\n5.  Review the agency guidance provided for the licenses that are a part of your Individual MU4 Filing.\n\n6.  Identify all requirements that are indicated to sent directly to the state agency.\n\n7.  Prepare and submit all required documents within the timeframe listed in the Agency Guidance section.\n\n**Parent topic:**Chapter V—NMLS Individual License Form \\(MU4\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4FilingcompletingApplicationRequirementsSubmittedOutsideOfNmls.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4FilingcompletingApplicationRequirementsSubmittedOutsideOfNmls.md",
      "headings": [
        "Completing Application Requirements Submitted Outside of NMLS {#licInd_mu4FilingcompletingApplicationRequirementsSubmittedOutsideOfNmls .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4FilingcompletingApplicationRequirementsSubmittedOutsideOfNmls.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4FilingcompletingCBC_non-US.md:chunk-0",
      "title": "Fingerprinting for Non-US Residents {#licInd_cbc_fingerprinting_nonUS .task}",
      "content": "# Fingerprinting for Non-US Residents \n\nHow individuals residing outside the United States, Guam, US Virgin Islands, or Puerto Rico complete fingerprinting for an NMLS Criminal Background Check \\(CBC\\) using Fieldprint fingerprint cards.\n\nEnsure the CBC request is submitted and paid in NMLS and shows **Pending Fingerprint**.\n\nNon-US residents must use Fieldprint fingerprint cards to fulfill NMLS CBC requirements. Livescan is not available for non-US residents.\n\nFingerprint cards can only be shipped to the individual who needs to be fingerprinted at their current mailing, physical, or employment address that is listed on their Individual MU2, MU4, or MU4R Form.\n\nIf the requested shipping address does not match the information in NMLS, Fieldprint will not send the packet. NMLS representatives will notify the individual to correct their NMLS account address or to provide Fieldprint with an alternate shipping label.\n\n**Note:** Before beginning, the CBC must be paid in NMLS and its status must be **Pending Fingerprint**.\n\n1.  Navigate to the NMLS Login page.\n\n    -   State context.\n    -   Federal context.\n2.  Log in to your NMLS account.\n\n3.  Go to the fingerprint scheduling section of NMLS.\n\n    -   If you are a state-licensed individual, select **Schedule Fingerprints** in the Quick Links section.\n    -   If you are a federally registered MLO, select **Composite View** > **View Individual** > **View Criminal Background Check Requests** > **Schedule Your Fingerprinting Appointment**\n    The Fieldprint website opens in a new tab.\n\n    **Note:** Fieldprint is the NMLS approved fingerprint vendor. From the Fieldprint website, a user can set a fingerprint appointment or reschedule an existing appointment.\n\n4.  Create or access your Fieldprint account.\n\n    1.  Click **Sign Up** and accept the E-Sign Act Closure and Consent Agreement.\n\n    2.  Enter the required information and click **Continue**.\n\n    3.  Retrieve the verification code sent from auth@fieldprint.com and com",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4FilingcompletingCBC_non-US.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4FilingcompletingCBC_non-US.md",
      "headings": [
        "Fingerprinting for Non-US Residents {#licInd_cbc_fingerprinting_nonUS .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4FilingcompletingCBC_non-US.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4FilingcompletingCBC_non-US.md:chunk-1",
      "title": "Fingerprinting for Non-US Residents {#licInd_cbc_fingerprinting_nonUS .task}",
      "content": "* and accept the E-Sign Act Closure and Consent Agreement.\n\n    2.  Enter the required information and click **Continue**.\n\n    3.  Retrieve the verification code sent from auth@fieldprint.com and complete registration.\n\n    4.  Log in with your new credentials.\n\n5.  Select processing options.\n\n    On the Additional Licenses and Processing screen, choose the option that applies to your situation:\n\n    -   **State for Florida and/or Hawaii**\n    -   **Federal Registrants**\n    -   **Nothing above is my case**\n6.  Enter your personal information and accept required notices.\n\n    1.  Provide all required personal information and click **Continue**.\n\n    2.  Read the Biometric Disclosure and select **I agree**.\n\n    3.  Read the FBI Privacy Statement and Privacy Notice and select **I agree**.\n\n7.  Request fingerprint **cards** and complete scheduling.\n\n    Because you are a non-US resident, choose the option to receive fingerprint cards by mail rather than a Livescan appointment. Confirm the shipping address matches the address in your NMLS MU4 or MU2 form.\n\n    1.  On the scheduling screen, follow the prompts to request fingerprint cards.\n\n    2.  Review the details and click **Finish Scheduling**.\n\n8.  Complete your fingerprints on the cards and return them per Fieldprint instructions.\n\n    Follow the card kit instructions for completing fingerprints and mailing. Do not alter the name or address fields on the cards. If you have questions, contact Fieldprint at \\(877\\) 614-4361.\n\nFieldprint will process the returned fingerprint cards and transmit the results to NMLS for your CBC. Processing times may vary. Monitor your CBC status in NMLS.\n\nIf your address was updated after requesting cards, contact Fieldprint to resolve delivery before resubmitting a request.\n\n**Parent topic:**Criminal Background Check\n\n**Related information**  \n\nPrivacy Act Statement\n\nBenefits of Electronic \\(Live Scan\\) vs. Paper Card Fingerprint Capture",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4FilingcompletingCBC_non-US.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4FilingcompletingCBC_non-US.md",
      "headings": [
        "Fingerprinting for Non-US Residents {#licInd_cbc_fingerprinting_nonUS .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4FilingcompletingCBC_non-US.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4FilingcompletingCBC_non-US.md:chunk-2",
      "title": "Fingerprinting for Non-US Residents {#licInd_cbc_fingerprinting_nonUS .task}",
      "content": "ic:**Criminal Background Check\n\n**Related information**  \n\nPrivacy Act Statement\n\nBenefits of Electronic \\(Live Scan\\) vs. Paper Card Fingerprint Capture",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4FilingcompletingCBC_non-US.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4FilingcompletingCBC_non-US.md",
      "headings": [
        "Fingerprinting for Non-US Residents {#licInd_cbc_fingerprinting_nonUS .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4FilingcompletingCBC_non-US.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4FilingcompletingCBC_non-US_2.md:chunk-0",
      "title": "Fingerprinting for Non-US Residents {#licInd_cbc_fingerprinting_nonUS .task}",
      "content": "# Fingerprinting for Non-US Residents \n\nHow individuals residing outside the United States, Guam, US Virgin Islands, or Puerto Rico complete fingerprinting for an NMLS Criminal Background Check \\(CBC\\) using Fieldprint fingerprint cards.\n\nEnsure the CBC request is submitted and paid in NMLS and shows **Pending Fingerprint**.\n\nNon-US residents must use Fieldprint fingerprint cards to fulfill NMLS CBC requirements. Livescan is not available for non-US residents.\n\nFingerprint cards can only be shipped to the individual who needs to be fingerprinted at their current mailing, physical, or employment address that is listed on their Individual MU2, MU4, or MU4R Form.\n\nIf the requested shipping address does not match the information in NMLS, Fieldprint will not send the packet. NMLS representatives will notify the individual to correct their NMLS account address or to provide Fieldprint with an alternate shipping label.\n\n**Note:** Before beginning, the CBC must be paid in NMLS and its status must be **Pending Fingerprint**.\n\n1.  Navigate to the NMLS Login page.\n\n    -   State context.\n    -   Federal context.\n2.  Log in to your NMLS account.\n\n3.  Go to the fingerprint scheduling section of NMLS.\n\n    -   If you are a state-licensed individual, select **Schedule Fingerprints** in the Quick Links section.\n    -   If you are a federally registered MLO, select **Composite View** > **View Individual** > **View Criminal Background Check Requests** > **Schedule Your Fingerprinting Appointment**\n    The Fieldprint website opens in a new tab.\n\n    **Note:** Fieldprint is the NMLS approved fingerprint vendor. From the Fieldprint website, a user can set a fingerprint appointment or reschedule an existing appointment.\n\n4.  Create or access your Fieldprint account.\n\n    1.  Click **Sign Up** and accept the E-Sign Act Closure and Consent Agreement.\n\n    2.  Enter the required information and click **Continue**.\n\n    3.  Retrieve the verification code sent from auth@fieldprint.com and com",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4FilingcompletingCBC_non-US_2.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4FilingcompletingCBC_non-US_2.md",
      "headings": [
        "Fingerprinting for Non-US Residents {#licInd_cbc_fingerprinting_nonUS .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4FilingcompletingCBC_non-US_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4FilingcompletingCBC_non-US_2.md:chunk-1",
      "title": "Fingerprinting for Non-US Residents {#licInd_cbc_fingerprinting_nonUS .task}",
      "content": "* and accept the E-Sign Act Closure and Consent Agreement.\n\n    2.  Enter the required information and click **Continue**.\n\n    3.  Retrieve the verification code sent from auth@fieldprint.com and complete registration.\n\n    4.  Log in with your new credentials.\n\n5.  Select processing options.\n\n    On the Additional Licenses and Processing screen, choose the option that applies to your situation:\n\n    -   **State for Florida and/or Hawaii**\n    -   **Federal Registrants**\n    -   **Nothing above is my case**\n6.  Enter your personal information and accept required notices.\n\n    1.  Provide all required personal information and click **Continue**.\n\n    2.  Read the Biometric Disclosure and select **I agree**.\n\n    3.  Read the FBI Privacy Statement and Privacy Notice and select **I agree**.\n\n7.  Request fingerprint **cards** and complete scheduling.\n\n    Because you are a non-US resident, choose the option to receive fingerprint cards by mail rather than a Livescan appointment. Confirm the shipping address matches the address in your NMLS MU4 or MU2 form.\n\n    1.  On the scheduling screen, follow the prompts to request fingerprint cards.\n\n    2.  Review the details and click **Finish Scheduling**.\n\n8.  Complete your fingerprints on the cards and return them per Fieldprint instructions.\n\n    Follow the card kit instructions for completing fingerprints and mailing. Do not alter the name or address fields on the cards. If you have questions, contact Fieldprint at \\(877\\) 614-4361.\n\nFieldprint will process the returned fingerprint cards and transmit the results to NMLS for your CBC. Processing times may vary. Monitor your CBC status in NMLS.\n\nIf your address was updated after requesting cards, contact Fieldprint to resolve delivery before resubmitting a request.\n\n**Parent topic:**Criminal Background Check \\(CBC\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4FilingcompletingCBC_non-US_2.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4FilingcompletingCBC_non-US_2.md",
      "headings": [
        "Fingerprinting for Non-US Residents {#licInd_cbc_fingerprinting_nonUS .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4FilingcompletingCBC_non-US_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4FilingcompletingCBC_non-US_2.md:chunk-2",
      "title": "Fingerprinting for Non-US Residents {#licInd_cbc_fingerprinting_nonUS .task}",
      "content": "ic:**Criminal Background Check \\(CBC\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4FilingcompletingCBC_non-US_2.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4FilingcompletingCBC_non-US_2.md",
      "headings": [
        "Fingerprinting for Non-US Residents {#licInd_cbc_fingerprinting_nonUS .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4FilingcompletingCBC_non-US_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4FilingcompletingCBC_non-US_3.md:chunk-0",
      "title": "Fingerprinting for Non-US Residents {#licInd_cbc_fingerprinting_nonUS .task}",
      "content": "# Fingerprinting for Non-US Residents \n\nHow individuals residing outside the United States, Guam, US Virgin Islands, or Puerto Rico complete fingerprinting for an NMLS Criminal Background Check \\(CBC\\) using Fieldprint fingerprint cards.\n\nEnsure the CBC request is submitted and paid in NMLS and shows **Pending Fingerprint**.\n\nNon-US residents must use Fieldprint fingerprint cards to fulfill NMLS CBC requirements. Livescan is not available for non-US residents.\n\nFingerprint cards can only be shipped to the individual who needs to be fingerprinted at their current mailing, physical, or employment address that is listed on their Individual MU2, MU4, or MU4R Form.\n\nIf the requested shipping address does not match the information in NMLS, Fieldprint will not send the packet. NMLS representatives will notify the individual to correct their NMLS account address or to provide Fieldprint with an alternate shipping label.\n\n**Note:** Before beginning, the CBC must be paid in NMLS and its status must be **Pending Fingerprint**.\n\n1.  Navigate to the NMLS Login page.\n\n    -   State context.\n    -   Federal context.\n2.  Log in to your NMLS account.\n\n3.  Go to the fingerprint scheduling section of NMLS.\n\n    -   If you are a state-licensed individual, select **Schedule Fingerprints** in the Quick Links section.\n    -   If you are a federally registered MLO, select **Composite View** > **View Individual** > **View Criminal Background Check Requests** > **Schedule Your Fingerprinting Appointment**\n    The Fieldprint website opens in a new tab.\n\n    **Note:** Fieldprint is the NMLS approved fingerprint vendor. From the Fieldprint website, a user can set a fingerprint appointment or reschedule an existing appointment.\n\n4.  Create or access your Fieldprint account.\n\n    1.  Click **Sign Up** and accept the E-Sign Act Closure and Consent Agreement.\n\n    2.  Enter the required information and click **Continue**.\n\n    3.  Retrieve the verification code sent from auth@fieldprint.com and com",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4FilingcompletingCBC_non-US_3.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4FilingcompletingCBC_non-US_3.md",
      "headings": [
        "Fingerprinting for Non-US Residents {#licInd_cbc_fingerprinting_nonUS .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4FilingcompletingCBC_non-US_3.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4FilingcompletingCBC_non-US_3.md:chunk-1",
      "title": "Fingerprinting for Non-US Residents {#licInd_cbc_fingerprinting_nonUS .task}",
      "content": "* and accept the E-Sign Act Closure and Consent Agreement.\n\n    2.  Enter the required information and click **Continue**.\n\n    3.  Retrieve the verification code sent from auth@fieldprint.com and complete registration.\n\n    4.  Log in with your new credentials.\n\n5.  Select processing options.\n\n    On the Additional Licenses and Processing screen, choose the option that applies to your situation:\n\n    -   **State for Florida and/or Hawaii**\n    -   **Federal Registrants**\n    -   **Nothing above is my case**\n6.  Enter your personal information and accept required notices.\n\n    1.  Provide all required personal information and click **Continue**.\n\n    2.  Read the Biometric Disclosure and select **I agree**.\n\n    3.  Read the FBI Privacy Statement and Privacy Notice and select **I agree**.\n\n7.  Request fingerprint **cards** and complete scheduling.\n\n    Because you are a non-US resident, choose the option to receive fingerprint cards by mail rather than a Livescan appointment. Confirm the shipping address matches the address in your NMLS MU4 or MU2 form.\n\n    1.  On the scheduling screen, follow the prompts to request fingerprint cards.\n\n    2.  Review the details and click **Finish Scheduling**.\n\n8.  Complete your fingerprints on the cards and return them per Fieldprint instructions.\n\n    Follow the card kit instructions for completing fingerprints and mailing. Do not alter the name or address fields on the cards. If you have questions, contact Fieldprint at \\(877\\) 614-4361.\n\nFieldprint will process the returned fingerprint cards and transmit the results to NMLS for your CBC. Processing times may vary. Monitor your CBC status in NMLS.\n\nIf your address was updated after requesting cards, contact Fieldprint to resolve delivery before resubmitting a request.\n\n**Parent topic:**Completing the Criminal Background Check Process",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4FilingcompletingCBC_non-US_3.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4FilingcompletingCBC_non-US_3.md",
      "headings": [
        "Fingerprinting for Non-US Residents {#licInd_cbc_fingerprinting_nonUS .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4FilingcompletingCBC_non-US_3.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4FilingcompletingCBC_non-US_3.md:chunk-2",
      "title": "Fingerprinting for Non-US Residents {#licInd_cbc_fingerprinting_nonUS .task}",
      "content": "ic:**Completing the Criminal Background Check Process",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4FilingcompletingCBC_non-US_3.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4FilingcompletingCBC_non-US_3.md",
      "headings": [
        "Fingerprinting for Non-US Residents {#licInd_cbc_fingerprinting_nonUS .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4FilingcompletingCBC_non-US_3.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4FilingcompletingResidentialAndEmploymentHistory.md:chunk-0",
      "title": "Completing Residential and Employment History {#licInd_mu4FilingcompletingResidentialAndEmploymentHistory .task}",
      "content": "# Completing Residential and Employment History \n\nLearn how to enter complete and accurate residential and employment history in the Individual \\(MU4\\) Form.\n\nAll applicants for an MLO license must enter a full 10-year history of both residence and employment. This requirement ensures that licensing agencies can evaluate background information and verify eligibility according to federal and state standards. As outlined in the *NMLS Policy Guidebook*, no gaps are allowed between reported dates, and all history must use MM/YYYY format.\n\nIf there are periods of unemployment, school enrollment, or other non-working time, these must be entered with accurate dates and a clear explanation in the Employer Name field \\(e.g., \"Unemployed\"\\).\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Navigate to your MU4 Filing.\n\n    -   If you already have a license and need to make an update, select **Update Record** from the Actions section.\n    -   If you already have a filing in progress, select the **MU4 Filing** link under My Tasks.\n    -   If you are completing a new license application, select the **Add New License** button.\n    An MU4 Form is opened.\n\n4.  Select the **Individual Information** link in the left navigation panel.\n\n5.  Scroll to the Residential History section.\n\n6.  Click **Add Residential History** to enter a residential period. Click **Save** when complete.\n\n    **Note:** Ensure that the full 10-year history is covered without gaps. Enter addresses using MM/YYYY format and include both start and end dates. The most recent residence should be listed first.\n\n7.  Select the **Employment** link in the left navigation panel.\n\n8.  Click **Add Employment History** to enter an employment period. Click **Save** when complete.\n\n    **Note:** Ensure that the full 10-year history is covered without gaps. Enter addresses using MM/YYYY format and include both start and end dates. The most recent employment should be listed first.\n",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4FilingcompletingResidentialAndEmploymentHistory.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4FilingcompletingResidentialAndEmploymentHistory.md",
      "headings": [
        "Completing Residential and Employment History {#licInd_mu4FilingcompletingResidentialAndEmploymentHistory .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4FilingcompletingResidentialAndEmploymentHistory.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4FilingcompletingResidentialAndEmploymentHistory.md:chunk-1",
      "title": "Completing Residential and Employment History {#licInd_mu4FilingcompletingResidentialAndEmploymentHistory .task}",
      "content": "  **Note:** Ensure that the full 10-year history is covered without gaps. Enter addresses using MM/YYYY format and include both start and end dates. The most recent employment should be listed first.\n\n    **Note:** If you were unemployed, in school, or self-employed, enter that information as your employer name \\(e.g., “Self-Employed,” “Student,” or “Unemployed”\\). Do not leave any time periods blank.\n\n9.  Review both sections to ensure there are no gaps or overlapping entries before continuing your MU4 filing.\n\n-   **Residential History**  \nApplicants or licensees must list all addresses where they have resided during the past 10 years. No gaps are allowed.\n-   **Employment\\***  \nProvide full employment history for the past 10 years. No gaps should be present.\n\n**Parent topic:**Chapter V—NMLS Individual License Form \\(MU4\\)\n\n**NMLS Policy Guide**  \n\nResidential History\n\nEmployment History",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4FilingcompletingResidentialAndEmploymentHistory.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4FilingcompletingResidentialAndEmploymentHistory.md",
      "headings": [
        "Completing Residential and Employment History {#licInd_mu4FilingcompletingResidentialAndEmploymentHistory .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4FilingcompletingResidentialAndEmploymentHistory.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4FilingcompletingTheCriminalBackgroundCheckProcess.md:chunk-0",
      "title": "Completing the Criminal Background Check Process {#licInd_mu4FilingcompletingTheCriminalBackgroundCheckProcess .concept}",
      "content": "# Completing the Criminal Background Check Process \n\nLearn about the Criminal Background Check \\(CBC\\) process required as part of the completing the Individual MU4 Form in NMLS.\n\nThe Criminal Background Check \\(CBC\\) is a required component of the individual licensing process in NMLS. It ensures that individuals applying for licensure complete a fingerprint-based background check through an NMLS-approved vendor.\n\nApplicants must authorize a CBC in NMLS and schedule fingerprinting through the approved vendor, Fieldprint. CBC authorization is valid for 180 days. Fingerprints must be submitted within this period to avoid delays in the license application process.\n\nIf fingerprints were submitted for another NMLS-related process within the past three years and there has been no break in licensure or registration, the system may reuse those prints. Otherwise, new fingerprints are required.\n\nOnce fingerprints are collected, results are submitted directly to NMLS, and applicants can monitor the status of their CBC in the system. Successful completion of the CBC is required before a license can be approved.\n\nSee the following topics for specific instructions on how to complete the process:\n\n-   Authorizing a Criminal Background Check\n-   Scheduling Your Fingerprinting Appointment\n-   Checking Criminal Background Check Status\n\n-   **Authorizing a Criminal Background Check**  \nHow to authorize a criminal background check in NMLS.\n-   **Scheduling Your Fingerprinting Appointment**  \nHow to schedule a fingerprinting appointment with Fieldprint after submitting your Individual MU Form.\n-   **Fingerprinting for Non-US Residents**  \nHow individuals residing outside the United States, Guam, US Virgin Islands, or Puerto Rico complete fingerprinting for an NMLS Criminal Background Check \\(CBC\\) using Fieldprint fingerprint cards.\n-   **Checking Criminal Background Check Status**  \nInstructions for checking the status of an existing criminal background check using Composite View in NM",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4FilingcompletingTheCriminalBackgroundCheckProcess.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4FilingcompletingTheCriminalBackgroundCheckProcess.md",
      "headings": [
        "Completing the Criminal Background Check Process {#licInd_mu4FilingcompletingTheCriminalBackgroundCheckProcess .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4FilingcompletingTheCriminalBackgroundCheckProcess.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4FilingcompletingTheCriminalBackgroundCheckProcess.md:chunk-1",
      "title": "Completing the Criminal Background Check Process {#licInd_mu4FilingcompletingTheCriminalBackgroundCheckProcess .concept}",
      "content": "\\(CBC\\) using Fieldprint fingerprint cards.\n-   **Checking Criminal Background Check Status**  \nInstructions for checking the status of an existing criminal background check using Composite View in NMLS.\n\n**Parent topic:**Criminal Background Check \\(CBC\\)\n\n**NMLS Policy Guide**  \n\nCriminal Background Check \\(CBC\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4FilingcompletingTheCriminalBackgroundCheckProcess.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4FilingcompletingTheCriminalBackgroundCheckProcess.md",
      "headings": [
        "Completing the Criminal Background Check Process {#licInd_mu4FilingcompletingTheCriminalBackgroundCheckProcess .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4FilingcompletingTheCriminalBackgroundCheckProcess.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4FilingcompletingTheIndividualMu4AdditionalLicenseApplicationFiling.md:chunk-0",
      "title": "Completing the Individual MU4 Additional License Application Filing {#licInd_mu4FilingcompletingTheIndividualMu4AdditionalLicenseApplicationFiling .task}",
      "content": "# Completing the Individual MU4 Additional License Application Filing \n\nLearn how to complete and submit an MU4 filing to request additional licenses or registrations in NMLS.\n\nIf you already hold an MLO license in NMLS and wish to apply for additional licenses or registrations, you must complete an MU4 Additional License Application Filing. This allows you to apply for more licenses without starting a brand new application. The process involves selecting new licenses, verifying your information, and submitting payment.\n\nSee Completing an Individual MU4 Filing for steps.\n\n**Parent topic:**Requesting Additional Individual Licenses",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4FilingcompletingTheIndividualMu4AdditionalLicenseApplicationFiling.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4FilingcompletingTheIndividualMu4AdditionalLicenseApplicationFiling.md",
      "headings": [
        "Completing the Individual MU4 Additional License Application Filing {#licInd_mu4FilingcompletingTheIndividualMu4AdditionalLicenseApplicationFiling .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4FilingcompletingTheIndividualMu4AdditionalLicenseApplicationFiling.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4FilingcompletingTheIndividualMu4NewApplicationFiling.md:chunk-0",
      "title": "Completing an Individual MU4 Filing {#licInd_mu4FilingcompletingTheIndividualMu4NewApplicationFiling .task}",
      "content": "# Completing an Individual MU4 Filing \n\nLearn how to complete and submit an Individual MU4 filing to apply for a license or registration through NMLS.\n\nSee Information You Need Before You Can Apply for more information.\n\nIf you are applying for a license or registration in NMLS, you must complete an Individual \\(MU4\\) Filing. This form collects your identifying, residential, employment, and disclosure history and allows you to authorize background checks and select license types.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Navigate to your MU4 Filing.\n\n    -   If you already have a license and need to make an update, select **Update Record** from the Actions section.\n    -   If you already have a filing in progress, select the **MU4 Filing** link under My Tasks.\n    -   If you are completing a new license application, select the **Add New License** button.\n    An MU4 Form is opened.\n\n4.  Search for the desired license or click **Browse All Licenses** and select desired license from the list.\n\n5.  Complete all required sections of the MU4 Form using the links on the left navigation panel.\n\n    **Note:** Review the information in the Agency Guidance section of the MU4 Form to ensure all requirements are met. Click **Completeness Check** to see errors or warnings in your filing as you complete it. Click **Save** to save your progress and return to your filing later. Click **Delete** to abandon the filing.\n\n6.  Click **Attest and Submit** to finalize your application. See Attesting to Your Individual MU4 Filing for more information.\n\n7.  Pay all required fees. These may include filing, background check, education, and state processing fees.\n\n8.  Track your application status using the My Licenses section on the Home tab of NMLS Connect.\n\nFor details on the different components of the Individual \\(MU4\\) Form, see the following topics:\n\n-   Selecting Your Licenses\n-   Completing Residential and Employment History\n-   Comp",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4FilingcompletingTheIndividualMu4NewApplicationFiling.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4FilingcompletingTheIndividualMu4NewApplicationFiling.md",
      "headings": [
        "Completing an Individual MU4 Filing {#licInd_mu4FilingcompletingTheIndividualMu4NewApplicationFiling .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4FilingcompletingTheIndividualMu4NewApplicationFiling.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4FilingcompletingTheIndividualMu4NewApplicationFiling.md:chunk-1",
      "title": "Completing an Individual MU4 Filing {#licInd_mu4FilingcompletingTheIndividualMu4NewApplicationFiling .task}",
      "content": "NMLS Connect.\n\nFor details on the different components of the Individual \\(MU4\\) Form, see the following topics:\n\n-   Selecting Your Licenses\n-   Completing Residential and Employment History\n-   Completing the Criminal Background Check Process\n-   Requesting a Credit Check in NMLS\n-   Answering Disclosure Questions\n-   Managing Document Uploads\n-   Attesting to Your Individual MU4 Filing\n-   Paying for an Individual MU4 Filing\n\n**Parent topic:**Filing the Individual MU4 Form in NMLS",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4FilingcompletingTheIndividualMu4NewApplicationFiling.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4FilingcompletingTheIndividualMu4NewApplicationFiling.md",
      "headings": [
        "Completing an Individual MU4 Filing {#licInd_mu4FilingcompletingTheIndividualMu4NewApplicationFiling .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4FilingcompletingTheIndividualMu4NewApplicationFiling.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4FilingcreatingAnIndividualMu4AdditionalLicenseApplicationFiling.md:chunk-0",
      "title": "Creating an Individual MU4 Additional License Application Filing {#licInd_mu4FilingcreatingAnIndividualMu4AdditionalLicenseApplicationFiling .task}",
      "content": "# Creating an Individual MU4 Additional License Application Filing \n\nLearn how to begin an MU4 Additional License Application Filing to request new licenses or registrations for an existing NMLS record.\n\nWhen you already have an active record in NMLS and need to apply for additional licenses or registrations, you must create a new Individual MU4 Additional License Application Filing. This process starts a new filing that is added to your record and is used to apply for new state licenses or registrations.\n\nSee Creating an Individual MU4 Filing for steps.\n\n**Parent topic:**Requesting Additional Individual Licenses",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4FilingcreatingAnIndividualMu4AdditionalLicenseApplicationFiling.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4FilingcreatingAnIndividualMu4AdditionalLicenseApplicationFiling.md",
      "headings": [
        "Creating an Individual MU4 Additional License Application Filing {#licInd_mu4FilingcreatingAnIndividualMu4AdditionalLicenseApplicationFiling .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4FilingcreatingAnIndividualMu4AdditionalLicenseApplicationFiling.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4FilingcreatingAnIndividualMu4NewApplicationFiling.md:chunk-0",
      "title": "Creating an Individual MU4 Filing {#licInd_mu4FilingcreatingAnIndividualMu4NewApplicationFiling .task}",
      "content": "# Creating an Individual MU4 Filing \n\nLearn how to create a new MU4 filing to begin applying for an MLO license or registration in NMLS.\n\nTo apply for a state license or registration as a Mortgage Loan Originator \\(MLO\\), you must first create a new Individual MU4 filing.\n\nAs noted in NMLS Policy Guide, you are responsible for ensuring all information in your filing is accurate, complete, and timely submitted.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Navigate to your MU4 Filing.\n\n    -   If you already have a license and need to make an update, select **Update Record** from the Actions section.\n    -   If you already have a filing in progress, select the **MU4 Filing** link under My Tasks.\n    -   If you are completing a new license application, select the **Add New License** button.\n    An MU4 Form is opened.\n\nCompleting an Individual MU4 Filing\n\n**Parent topic:**Create Individual Record\n\n**NMLS Help**  \n\nAccount Administration\n\nChoosing Your Account Adminitstrators\n\nNMLS Two-Factor Authentication\n\nRequest an Individual Account\n\nNMLS Account Recovery\n\nManaging NMLS User Profiles\n\n**NMLS Resource Center**  \n\nNMLS Resource Center Home\n\nNMLS Call Center",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4FilingcreatingAnIndividualMu4NewApplicationFiling.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4FilingcreatingAnIndividualMu4NewApplicationFiling.md",
      "headings": [
        "Creating an Individual MU4 Filing {#licInd_mu4FilingcreatingAnIndividualMu4NewApplicationFiling .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4FilingcreatingAnIndividualMu4NewApplicationFiling.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4FilingdeterminingApplicationStatus.md:chunk-0",
      "title": "Determining MU4 Filing Status {#licInd_mu4FilingdeterminingApplicationStatus .concept}",
      "content": "# Determining MU4 Filing Status \n\nLearn how to review the status of a submitted MU4 filing in NMLS.\n\nAfter submitting an Individual MU4 filing, applicants can monitor the progress of their license or registration application in NMLS.\n\nFor details on the meaning of each status, see License Status Definitions.\n\nSee the following topics for the different ways you can view your application status in NMLS:\n\n-   Viewing Your MU4 Filing Status in NMLS Connect\n-   Using the Individual Dashboard to Determine MU4 Filing Status\n-   Using Composite View to Determine MU4 Filing Status\n\n-   **Viewing Your MU4 Filing Status in NMLS Connect**  \nHow to check your MU4 filing status in NMLS Connect.\n-   **Using the Individual Dashboard to Determine MU4 Filing Status**  \nLearn how to use the Individual Dashboard in NMLS to monitor the status of your MU4 filings.\n-   **Using Composite View to Determine MU4 Filing Status**  \nLearn how to use the Composite View tab in NMLS to check the status of your license or registration application.\n\n**Parent topic:**Chapter V—NMLS Individual License Form \\(MU4\\)\n\n**See Also:**  \n\nLicense Status Definitions",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4FilingdeterminingApplicationStatus.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4FilingdeterminingApplicationStatus.md",
      "headings": [
        "Determining MU4 Filing Status {#licInd_mu4FilingdeterminingApplicationStatus .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4FilingdeterminingApplicationStatus.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4FilingdeterminingApplicationStatus_2.md:chunk-0",
      "title": "Determining MU4 Filing Status {#licInd_mu4FilingdeterminingApplicationStatus .concept}",
      "content": "# Determining MU4 Filing Status \n\nLearn how to review the status of a submitted MU4 filing in NMLS.\n\nAfter submitting an Individual MU4 filing, applicants can monitor the progress of their license or registration application in NMLS.\n\nFor details on the meaning of each status, see License Status Definitions.\n\nSee the following topics for the different ways you can view your application status in NMLS:\n\n-   Viewing Your MU4 Filing Status in NMLS Connect\n-   Using the Individual Dashboard to Determine MU4 Filing Status\n-   Using Composite View to Determine MU4 Filing Status\n\n-   **Viewing Your MU4 Filing Status in NMLS Connect**  \nHow to check your MU4 filing status in NMLS Connect.\n-   **Using the Individual Dashboard to Determine MU4 Filing Status**  \nLearn how to use the Individual Dashboard in NMLS to monitor the status of your MU4 filings.\n-   **Using Composite View to Determine MU4 Filing Status**  \nLearn how to use the Composite View tab in NMLS to check the status of your license or registration application.\n\n**Parent topic:**Maintaining Individual Licenses or Registrations",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4FilingdeterminingApplicationStatus_2.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4FilingdeterminingApplicationStatus_2.md",
      "headings": [
        "Determining MU4 Filing Status {#licInd_mu4FilingdeterminingApplicationStatus .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4FilingdeterminingApplicationStatus_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4FilingfilingYourInitialIndividualMu4FormForANewApplication.md:chunk-0",
      "title": "Filing the Individual MU4 Form in NMLS {#licInd_mu4FilingfilingYourInitialIndividualMu4FormForANewApplication .task}",
      "content": "# Filing the Individual MU4 Form in NMLS \n\nUnderstand the purpose of the Individual MU4 Form and what to expect when filing it in NMLS.\n\nThe Individual MU4 Form is the primary application form for Mortgage Loan Originators \\(MLOs\\) applying for a new state license or registration through NMLS. This form captures all relevant background information, including identity, employment, residential history, disclosures, and required authorizations.\n\nAccording to NMLS Policy Guide, the information provided in your MU4 Form must be accurate and fully completed before submission. Any incomplete or misleading information may result in processing delays or license denial.\n\nYou must also authorize background checks and may be required to upload supporting documentation, depending on state-specific requirements. After submission, the form is reviewed either by your employer or by the licensing agency directly.\n\nInformation You Need Before You Can Apply\n\n-   **Completing an Individual MU4 Filing**  \nLearn how to complete and submit an Individual MU4 filing to apply for a license or registration through NMLS.\n\n**Parent topic:**Chapter V—NMLS Individual License Form \\(MU4\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4FilingfilingYourInitialIndividualMu4FormForANewApplication.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4FilingfilingYourInitialIndividualMu4FormForANewApplication.md",
      "headings": [
        "Filing the Individual MU4 Form in NMLS {#licInd_mu4FilingfilingYourInitialIndividualMu4FormForANewApplication .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4FilingfilingYourInitialIndividualMu4FormForANewApplication.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4FilinggettingSponsoredByYourEmployer.md:chunk-0",
      "title": "Getting Sponsored by Your Employer {#licInd_mu4FilinggettingSponsoredByYourEmployer .concept}",
      "content": "# Getting Sponsored by Your Employer \n\nExplains the purpose and workflow of sponsorship in NMLS, including the steps of granting access to a company, establishing a relationship, and initiating sponsorship by an employer.\n\nBefore a company can sponsor an individual's mortgage loan originator \\(MLO\\) license, the individual must first grant the company access to their NMLS record, and the company must establish a relationship with the individual in the system. Sponsorship is required in most states for MLOs to originate loans under a company license and ensures that the sponsoring company takes responsibility for the individual's compliance and supervision.\n\nThe sponsorship process involves three sequential steps:\n\n1.  **Granting Access:** The individual must log in to NMLS and grant access to the employing company, which allows the company to view and manage the individual’s record. For step-by-step guidance, see Granting Access to Your Company.\n2.  **Establishing a Relationship:** Once access is granted, the company must create a relationship in NMLS that links the individual to the company’s record. This step is necessary before sponsorship can be initiated. For more details, refer to the Company Relationship.\n3.  **Sponsorship:** After a relationship is established, the company can submit a sponsorship request through NMLS. This request will be visible to the individual and must be approved by the state regulator. The license status will update once the sponsorship is approved. See Sponsoring a License for more information.\n\n**Parent topic:**Working with Your Employer for License or Registration Applications",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4FilinggettingSponsoredByYourEmployer.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4FilinggettingSponsoredByYourEmployer.md",
      "headings": [
        "Getting Sponsored by Your Employer {#licInd_mu4FilinggettingSponsoredByYourEmployer .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4FilinggettingSponsoredByYourEmployer.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4FilinginformationYouNeedBeforeYouCanApply.md:chunk-0",
      "title": "Information You Need Before You Can Apply {#licInd_mu4FilinginformationYouNeedBeforeYouCanApply .task}",
      "content": "# Information You Need Before You Can Apply \n\nGather essential personal, historical, and state-specific documentation before beginning your MU4 license application filing.\n\nBefore starting your MU4 filing in NMLS, it is important to collect the information and documents you’ll need to complete the application without delays. This includes both general background and any state-specific requirements outlined in the NMLS Policy Guide.\n\nYou should have the following information ready:\n\n-   Residential history for the past 10 years, including to/from dates \\(MM/YYYY\\) and full addresses.\n-   Employment history for the past 10 years, including to/from dates \\(MM/YYYY\\) and employer addresses.\n-   All legal names used since age 18 \\(aliases, maiden names, etc.\\).\n-   Documentation showing that you’ve met all state-specific requirements \\(such as proof of pre-licensure education, testing, or surety bonds\\).\n\nTo determine what documents your selected states require, use the tools on the NMLS Resource Center:\n\n-   In the License Requirements and Fees Chart, filter by state and look at columns such as Required Documentation, Submission Method, and Fees.\n-   In the State Licensing Checklist Compiler, select your state and license type to download a PDF checklist tailored to your situation.\n\n1.  Review and organize all required background information before logging into NMLS.\n\n2.  Download your state-specific checklist and reference the License Requirements and Fees Chart from the **NMLS Resource Center**.\n\n3.  Verify you have documentation to support each requirement listed for the license you plan to apply for.\n\nCreating an Individual MU4 Filing\n\n**Parent topic:**General Instructions\n\n**NMLS Help**  \n\nAccount Administration\n\nChoosing Your Account Adminitstrators\n\nNMLS Two-Factor Authentication\n\nRequest an Individual Account\n\nNMLS Account Recovery\n\nManaging NMLS User Profiles\n\n**NMLS Resource Center**  \n\nNMLS Resource Center Home\n\nNMLS Call Center",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4FilinginformationYouNeedBeforeYouCanApply.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4FilinginformationYouNeedBeforeYouCanApply.md",
      "headings": [
        "Information You Need Before You Can Apply {#licInd_mu4FilinginformationYouNeedBeforeYouCanApply .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4FilinginformationYouNeedBeforeYouCanApply.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4FilingmanagingDocumentUploads.md:chunk-0",
      "title": "Managing Document Uploads {#licInd_mu4FilingmanagingDocumentUploads .concept}",
      "content": "# Managing Document Uploads \n\nLearn how to upload supporting documents in NMLS and ensure they are categorized and submitted correctly.\n\nIn NMLS, you may be required to upload supporting documents as part of your license application. Each document must be uploaded in the correct section of your MU4 filing and must meet the file type and size guidelines defined by state agencies and the system itself.\n\nYou can upload documents within the Agency Guidance or the **Document Library** section of the Individual MU4 Form.\n\nSee Document Upload Descriptions and Examples for examples of how to properly name and format your uploaded files.\n\nSee the topics below for specific steps on uploading documents to an MU4 filing:\n\n-   Uploading Documents on the Individual MU4 Form\n-   Deleting and Amending Uploaded Documentation\n\n**Note:** See About the Document Library for more information on what regulators and company users can view in NMLS.\n\n-   **Uploading Documents on the Individual MU4 Form**  \nHow to upload documents to the Individual MU4 Form.\n-   **Document Upload Descriptions and Examples**  \nDescriptions and examples of the different types of documentation available for upload to NMLS.\n-   **About the Document Library**  \nDocument requirements are determined by the specific license requirements outlined in theAgency Guidance section of your MU4 filing. There are no standard documents required for every application; required uploads vary depending on your agency’s licensing guidance.\n\n**Parent topic:**Document Library",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4FilingmanagingDocumentUploads.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4FilingmanagingDocumentUploads.md",
      "headings": [
        "Managing Document Uploads {#licInd_mu4FilingmanagingDocumentUploads .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4FilingmanagingDocumentUploads.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4FilingpayingForAnIndividualMu4NewApplicationFiling.md:chunk-0",
      "title": "Paying for an Individual MU4 Filing {#licInd_mu4FilingpayingForAnIndividualMu4NewApplicationFiling .task}",
      "content": "# Paying for an Individual MU4 Filing \n\nLearn how to complete the payment process for your Individual MU4 filing in NMLS.\n\nOnce your Individual MU4 filing is complete, you must pay the required fees before it can be submitted through NMLS. Fees may vary by state and license type and can include application, processing, credit report, and criminal background check fees.\n\nThe NMLS system allows you to pay using a credit card or through an ACH debit from a checking account. Employers can also pay on behalf of MLOs, if authorized.\n\nSee the following topics for more detailed information on NMLS payment options and processing fees:\n\n-   NMLS Payment Options\n-   NMLS Processing Fees\n-   Correcting Failed Payments\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Navigate to your MU4 Filing.\n\n    -   If you already have a license and need to make an update, select **Update Record** from the Actions section.\n    -   If you already have a filing in progress, select the **MU4 Filing** link under My Tasks.\n    -   If you are completing a new license application, select the **Add New License** button.\n    An MU4 Form is opened.\n\n4.  Select the **Attest and Submit** link in the left navigation panel.\n\n5.  Review the Invoice Details at the top of the screen.\n\n6.  Select **I verify that I am the named person above and agree to the language as stated**.\n\n7.  Select the **Submit Filing** button.\n\n8.  Click the **I Agree** button on the Payment Terms & Conditions screen.\n\n9.  Complete all fields on the payment screen.\n\n10. Click the **Pay Now** button.\n\nPayment is remitted and your filing is submitted for processing in NMLS.\n\n**Parent topic:**Chapter V—NMLS Individual License Form \\(MU4\\)\n\n**NMLS Reference Guide**  \n\nNMLS Processing Fees\n\nCorrecting Failed Payments\n\nNMLS Payment Options\n\n**NMLS Resource Center**  \n\nState Licensing Checklist Compiler\n\nState Renewals Checklist Compiler\n\nNMLS Resource Center Home\n\nNMLS Call Center",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4FilingpayingForAnIndividualMu4NewApplicationFiling.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4FilingpayingForAnIndividualMu4NewApplicationFiling.md",
      "headings": [
        "Paying for an Individual MU4 Filing {#licInd_mu4FilingpayingForAnIndividualMu4NewApplicationFiling .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4FilingpayingForAnIndividualMu4NewApplicationFiling.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4FilingprovidingDisclosureExplanations.md:chunk-0",
      "title": "Providing Disclosure Explanations {#licInd_mu4FilingprovidingDisclosureExplanations .task}",
      "content": "# Providing Disclosure Explanations \n\nHow to provide explanations to disclosure questions in the MU4 form and upload appropriate supporting documentation.\n\nUsers of NMLS must provide Disclosure Explanations for any Disclosure Question with a **Yes** response, and may provide explanations for **No** responses. An explanation is intended to provide regulators with additional information necessary for the proper evaluation of a license application.\n\nAn explanation can only be used to provide information for a single event \\(e.g., court order, regulatory action, civil settlement\\). If users have multiple events that require disclosure, they should complete multiple explanations.\n\n**Attention:** Any Explanation and related material, once attested to and submitted, can be amended or replaced, but the original submission will always remain part of the company or individual’s historical record in NMLS. It cannot be completely removed from the company or individual record in NMLS. Please carefully review any Explanation prior to attestation and submission.\n\nEach Explanation is comprised of the following information:\n\nBrief Description of Explanation\n:   A brief statement describing what event the Explanation relates to \\(e.g. `Felony`,`Cease and Desist Order`\\).\n\nDisposition\n:   The current status of the event for which the Explanation is being provided. You can choose from a drop down menu including the following options:\n\n    -   **Pending**\n    -   **On Appeal**\n    -   **Final**\n    -   **Open**\n    -   **Closed**\n    -   **Other**\n\n    If you select **Other**, a **Disposition Description** must be provided.\n\nEvent Explanation Detail \\(4,000 character limit\\)\n:   Provide a detailed description of the event including the date. This field must be completed in order to submit an Explanation. If you chose to provide a supporting document that contains all relevant details, you will need to upload that document as a PDF \\(see Supporting Document below\\) and provide some form ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4FilingprovidingDisclosureExplanations.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4FilingprovidingDisclosureExplanations.md",
      "headings": [
        "Providing Disclosure Explanations {#licInd_mu4FilingprovidingDisclosureExplanations .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4FilingprovidingDisclosureExplanations.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4FilingprovidingDisclosureExplanations.md:chunk-1",
      "title": "Providing Disclosure Explanations {#licInd_mu4FilingprovidingDisclosureExplanations .task}",
      "content": "n Explanation. If you chose to provide a supporting document that contains all relevant details, you will need to upload that document as a PDF \\(see Supporting Document below\\) and provide some form of an explanation in this field. The explanation provided should be specific to the event you are describing related to the disclosure question. The explanation should provide regulators with enough information regarding the event in order for them to complete their review.\n\nApplicable Questions\n:   Select the checkbox next to the disclosure question\\(s\\) with **Yes** responses related to the Explanation you have provided. A single Explanation can be associated to one or more questions and multiple Explanations can be associated to a single question.\n\nSupporting Document\n:   -   You may upload any applicable supporting documentation by browsing for the document on your computer.\n-   Supporting documentation should include official documents that relate to an event, \\(i.e. court order, disposition, administrative action.\\)\n-   Do not combine documents related to multiple events into a single Supporting Document.\n-   Only a single PDF can be uploaded for an event. If you have multiple documents for a single event, you should combine them into a single PDF file.\n-   A PDF file is not required by the system in order to submit an Explanation, though your regulator may subsequently require provision of some form of documentation. Examples of documents may include: Criminal or Civil Court Documents, Administrative Orders, and other public documents. Please contact your regulator if you have specific questions regarding what documents should be provided.\n\nA separate Explanation should be provided for each event resulting in a **Yes** response to a disclosure question. In addition, a single Explanation can be associated to one or more disclosure questions.\n\n**Important:** Once you have completed the remainder of the filing or are ready to submit be sure to do so through the Atte",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4FilingprovidingDisclosureExplanations.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4FilingprovidingDisclosureExplanations.md",
      "headings": [
        "Providing Disclosure Explanations {#licInd_mu4FilingprovidingDisclosureExplanations .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4FilingprovidingDisclosureExplanations.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4FilingprovidingDisclosureExplanations.md:chunk-2",
      "title": "Providing Disclosure Explanations {#licInd_mu4FilingprovidingDisclosureExplanations .task}",
      "content": "a single Explanation can be associated to one or more disclosure questions.\n\n**Important:** Once you have completed the remainder of the filing or are ready to submit be sure to do so through the Attest and Submit section.\n\nGuidance on how to interpret each question and format explanations is available in the NMLS Policy Guide. In general, you should clearly describe the event, include dates and locations, and explain the outcome and current status.\n\nDocuments should be named clearly and uploaded in the Disclosure Explanations section of your MU4 filing. For formatting and examples of acceptable file names, see Document Upload Descriptions and Examples.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Navigate to your MU4 Filing.\n\n    -   If you already have a license and need to make an update, select **Update Record** from the Actions section.\n    -   If you already have a filing in progress, select the **MU4 Filing** link under My Tasks.\n    -   If you are completing a new license application, select the **Add New License** button.\n    An MU4 Form is opened.\n\n4.  Select the **Disclosure Questions** link on the left navigation panel.\n\n5.  For each question where you have indicated a **Yes** response, click **Add Explanation**.\n\n6.  Complete all required fields.\n\n7.  Select **Browse** to locate a supporting PDF document, then select **Open**.\n\n8.  Select **Save**.\n\n    **Note:** NMLS scans uploaded files for viruses. This process can take up to 10 minutes to complete. You cannot submit the filing until the virus scan is complete. If a virus is detected, remove the document and re-upload a virus-free version of the file.\n\n9.  Repeat this process for all disclosure questions, as necessary.\n\n**Parent topic:**Answering Disclosure Questions",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4FilingprovidingDisclosureExplanations.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4FilingprovidingDisclosureExplanations.md",
      "headings": [
        "Providing Disclosure Explanations {#licInd_mu4FilingprovidingDisclosureExplanations .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4FilingprovidingDisclosureExplanations.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4FilingprovidingDisclosureExplanations.md:chunk-3",
      "title": "Providing Disclosure Explanations {#licInd_mu4FilingprovidingDisclosureExplanations .task}",
      "content": "re Questions",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4FilingprovidingDisclosureExplanations.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4FilingprovidingDisclosureExplanations.md",
      "headings": [
        "Providing Disclosure Explanations {#licInd_mu4FilingprovidingDisclosureExplanations .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4FilingprovidingDisclosureExplanations.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4FilingrequestingAdditionalIndividualLicensesOrRegistrations.md:chunk-0",
      "title": "Requesting Additional Individual Licenses {#licInd_mu4FilingrequestingAdditionalIndividualLicensesOrRegistrations .concept}",
      "content": "# Requesting Additional Individual Licenses \n\nUnderstand how to request additional state licenses or registrations using the MU4 filing in NMLS.\n\nIf you already hold an individual license or registration and wish to apply for additional licenses, you must complete a new MU4 filing using your existing NMLS record. This process is similar to filing a new application but focuses on adding new license selections instead of starting from scratch.\n\nThe MU4 form will retain your existing information, but you’ll have the opportunity to select new licenses, jurisdictions, and to update relevant sections if needed. All new state-specific requirements for the added license\\(s\\) must be satisfied.\n\nAfter the additional license filing is submitted and fees are paid, state regulators will review your submission just like a new application.\n\nIf you are a federally registered MLO seeking state licensure, you may be eligible too apply for a state license using Temporary Authority to Operate.\n\n-   **Temporary Authority to Operate**  \nUnderstand what Temporary Authority to Operate \\(TA\\) is, and how it works when applying for an additional individual state license or registration in NMLS.\n-   **Working with Your Employer for License or Registration Applications**  \nBefore beginning your application, check with your employer to understand how they may support or participate in the process.\n-   **Gathering Requirements**  \nUnderstand how to identify and collect the information and documents needed to complete filings in NMLS.\n-   **Completing Pre-Licensure Education**  \nUnderstand the process for completing Pre-Licensure Education in pursuit of an individual NMLS license.\n-   **Creating an Individual MU4 Additional License Application Filing**  \nLearn how to begin an MU4 Additional License Application Filing to request new licenses or registrations for an existing NMLS record.\n-   **Completing the Individual MU4 Additional License Application Filing**  \nLearn how to complete and submit ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4FilingrequestingAdditionalIndividualLicensesOrRegistrations.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4FilingrequestingAdditionalIndividualLicensesOrRegistrations.md",
      "headings": [
        "Requesting Additional Individual Licenses {#licInd_mu4FilingrequestingAdditionalIndividualLicensesOrRegistrations .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4FilingrequestingAdditionalIndividualLicensesOrRegistrations.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4FilingrequestingAdditionalIndividualLicensesOrRegistrations.md:chunk-1",
      "title": "Requesting Additional Individual Licenses {#licInd_mu4FilingrequestingAdditionalIndividualLicensesOrRegistrations .concept}",
      "content": "Application Filing to request new licenses or registrations for an existing NMLS record.\n-   **Completing the Individual MU4 Additional License Application Filing**  \nLearn how to complete and submit an MU4 filing to request additional licenses or registrations in NMLS.\n\n**Parent topic:**Chapter V—NMLS Individual License Form \\(MU4\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4FilingrequestingAdditionalIndividualLicensesOrRegistrations.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4FilingrequestingAdditionalIndividualLicensesOrRegistrations.md",
      "headings": [
        "Requesting Additional Individual Licenses {#licInd_mu4FilingrequestingAdditionalIndividualLicensesOrRegistrations .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4FilingrequestingAdditionalIndividualLicensesOrRegistrations.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4FilingrespondingToLicenseItemsForIndividuals.md:chunk-0",
      "title": "Responding to License Items for Individuals {#licInd_mu4FilingrespondingToLicenseItemsForIndividuals .task}",
      "content": "# Responding to License Items for Individuals \n\nLearn how to respond to license items issued by state regulators during the review of your MU4 application.\n\nAfter submitting your MU4 filing, regulators may issue license items, which are requests for additional information or actions that are required to proceed with your application. Common license items include requests for documentation, updates to the MU4 form, or clarifications on disclosures or employment history.\n\nYou can view license items in the system and respond accordingly. In most cases, you must file an MU4 amendment to resolve the item.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Click the **License Items** hyperlink in the My Licenses section.\n\n    The State License Item Information window appears for the selected license.\n\n4.  Review the details of each license item listed.\n\n5.  Determine the action required \\(e.g., submit an MU4 amendment, upload a document, complete a criminal background check, etc.\\).\n\n6.  If required, amend your MU4 filing accordingly.\n\n    **Note:** See Filing Amendments to the Individual MU4 Form for more information.\n\n**Parent topic:**Chapter V—NMLS Individual License Form \\(MU4\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4FilingrespondingToLicenseItemsForIndividuals.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4FilingrespondingToLicenseItemsForIndividuals.md",
      "headings": [
        "Responding to License Items for Individuals {#licInd_mu4FilingrespondingToLicenseItemsForIndividuals .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4FilingrespondingToLicenseItemsForIndividuals.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4FilingrespondingToLicenseItemsForIndividuals_2.md:chunk-0",
      "title": "Responding to License Items for Individuals {#licInd_mu4FilingrespondingToLicenseItemsForIndividuals .task}",
      "content": "# Responding to License Items for Individuals \n\nLearn how to respond to license items issued by state regulators during the review of your MU4 application.\n\nAfter submitting your MU4 filing, regulators may issue license items, which are requests for additional information or actions that are required to proceed with your application. Common license items include requests for documentation, updates to the MU4 form, or clarifications on disclosures or employment history.\n\nYou can view license items in the system and respond accordingly. In most cases, you must file an MU4 amendment to resolve the item.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Click the **License Items** hyperlink in the My Licenses section.\n\n    The State License Item Information window appears for the selected license.\n\n4.  Review the details of each license item listed.\n\n5.  Determine the action required \\(e.g., submit an MU4 amendment, upload a document, complete a criminal background check, etc.\\).\n\n6.  If required, amend your MU4 filing accordingly.\n\n    **Note:** See Filing Amendments to the Individual MU4 Form for more information.\n\n**Parent topic:**Maintaining Individual Licenses or Registrations",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4FilingrespondingToLicenseItemsForIndividuals_2.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4FilingrespondingToLicenseItemsForIndividuals_2.md",
      "headings": [
        "Responding to License Items for Individuals {#licInd_mu4FilingrespondingToLicenseItemsForIndividuals .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4FilingrespondingToLicenseItemsForIndividuals_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4FilingselectingYourLicenses.md:chunk-0",
      "title": "Selecting Your Licenses {#licInd_mu4FilingselectingYourLicenses .task}",
      "content": "# Selecting Your Licenses \n\nLearn how to select licenses or registrations to apply for in the MU4 form.\n\nWhen applying for a license or registration, you must select the appropriate state agency and license type in the Individual MU4 Form. This selection is based on the research you conducted during the Gathering Requirements phase.\n\nIf you are adding new licenses to your existing NMLS record, see the topic Requesting Additional Individual Licenses for guidance.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Navigate to your MU4 Filing.\n\n    -   If you already have a license and need to make an update, select **Update Record** from the Actions section.\n    -   If you already have a filing in progress, select the **MU4 Filing** link under My Tasks.\n    -   If you are completing a new license application, select the **Add New License** button.\n    An MU4 Form is opened.\n\n4.  Search for the desired license or select **Browse All Licenses** and select desired license from the list.\n\nCompleting Residential and Employment History\n\n**Parent topic:**Manage Licenses",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4FilingselectingYourLicenses.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4FilingselectingYourLicenses.md",
      "headings": [
        "Selecting Your Licenses {#licInd_mu4FilingselectingYourLicenses .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4FilingselectingYourLicenses.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4FilingusingCompositeViewToDetermineApplicationStatus.md:chunk-0",
      "title": "Using Composite View to Determine MU4 Filing Status {#licInd_mu4FilingusingCompositeViewToDetermineApplicationStatus .task}",
      "content": "# Using Composite View to Determine MU4 Filing Status \n\nLearn how to use the Composite View tab in NMLS to check the status of your license or registration application.\n\nThe Composite View tab in NMLS allows you to view and monitor the status of your MU4 filings. This view displays a list of all license types, the agencies you’ve applied to, and the current status of each application or filing. It also provides access to the status history for more detailed tracking.\n\nRefer to the NMLS Policy Guide for policy information related to license statuses and common application review timelines.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Select **View Complete Record Information** in the Quick Links section.\n\n    The Composite View Tab in NMLS Classic is displayed.\n\n4.  Click the **State License/Registration List** link on the left navigation panel to see the status of your licenses or registrations.\n\n5.  Click **License Name** hyperlink for the desired license to view further details.\n\n**Parent topic:**Determining MU4 Filing Status\n\n**See Also:**  \n\nLicense Status Definitions",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4FilingusingCompositeViewToDetermineApplicationStatus.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4FilingusingCompositeViewToDetermineApplicationStatus.md",
      "headings": [
        "Using Composite View to Determine MU4 Filing Status {#licInd_mu4FilingusingCompositeViewToDetermineApplicationStatus .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4FilingusingCompositeViewToDetermineApplicationStatus.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4FilingusingCompositeViewToDetermineApplicationStatus_2.md:chunk-0",
      "title": "Using Composite View to Determine MU4 Filing Status {#licInd_mu4FilingusingCompositeViewToDetermineApplicationStatus .task}",
      "content": "# Using Composite View to Determine MU4 Filing Status \n\nLearn how to use the Composite View tab in NMLS to check the status of your license or registration application.\n\nThe Composite View tab in NMLS allows you to view and monitor the status of your MU4 filings. This view displays a list of all license types, the agencies you’ve applied to, and the current status of each application or filing. It also provides access to the status history for more detailed tracking.\n\nRefer to the NMLS Policy Guide for policy information related to license statuses and common application review timelines.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Select **View Complete Record Information** in the Quick Links section.\n\n    The Composite View Tab in NMLS Classic is displayed.\n\n4.  Click the **State License/Registration List** link on the left navigation panel to see the status of your licenses or registrations.\n\n5.  Click **License Name** hyperlink for the desired license to view further details.\n\n**Parent topic:**Determining MU4 Filing Status",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4FilingusingCompositeViewToDetermineApplicationStatus_2.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4FilingusingCompositeViewToDetermineApplicationStatus_2.md",
      "headings": [
        "Using Composite View to Determine MU4 Filing Status {#licInd_mu4FilingusingCompositeViewToDetermineApplicationStatus .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4FilingusingCompositeViewToDetermineApplicationStatus_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4FilingusingTheIndividualDashboardToDetermineApplicationStatus.md:chunk-0",
      "title": "Using the Individual Dashboard to Determine MU4 Filing Status {#licInd_mu4FilingusingTheIndividualDashboardToDetermineApplicationStatus .task}",
      "content": "# Using the Individual Dashboard to Determine MU4 Filing Status \n\nLearn how to use the Individual Dashboard in NMLS to monitor the status of your MU4 filings.\n\nThe Individual Dashboard in NMLS gives you a quick summary of your current application activity, outstanding tasks, and the status of MU4 filings. This view can help you monitor next steps, including whether an agency has approved, denied, or placed any license items.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Click **NMLS Classic** \\(open in new window icon\\).\n\n    You are navigated to NMLS Classic on the Home Tab, displaying the Individual Dashboard.\n\n4.  Review the dashboard tiles and click the links within the tiles to view details.\n\n**Parent topic:**Determining MU4 Filing Status\n\n**See Also:**  \n\nLicense Status Definitions",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4FilingusingTheIndividualDashboardToDetermineApplicationStatus.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4FilingusingTheIndividualDashboardToDetermineApplicationStatus.md",
      "headings": [
        "Using the Individual Dashboard to Determine MU4 Filing Status {#licInd_mu4FilingusingTheIndividualDashboardToDetermineApplicationStatus .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4FilingusingTheIndividualDashboardToDetermineApplicationStatus.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4FilingusingTheIndividualDashboardToDetermineApplicationStatus_2.md:chunk-0",
      "title": "Using the Individual Dashboard to Determine MU4 Filing Status {#licInd_mu4FilingusingTheIndividualDashboardToDetermineApplicationStatus .task}",
      "content": "# Using the Individual Dashboard to Determine MU4 Filing Status \n\nLearn how to use the Individual Dashboard in NMLS to monitor the status of your MU4 filings.\n\nThe Individual Dashboard in NMLS gives you a quick summary of your current application activity, outstanding tasks, and the status of MU4 filings. This view can help you monitor next steps, including whether an agency has approved, denied, or placed any license items.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Click **NMLS Classic** \\(open in new window icon\\).\n\n    You are navigated to NMLS Classic on the Home Tab, displaying the Individual Dashboard.\n\n4.  Review the dashboard tiles and click the links within the tiles to view details.\n\n**Parent topic:**Determining MU4 Filing Status",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4FilingusingTheIndividualDashboardToDetermineApplicationStatus_2.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4FilingusingTheIndividualDashboardToDetermineApplicationStatus_2.md",
      "headings": [
        "Using the Individual Dashboard to Determine MU4 Filing Status {#licInd_mu4FilingusingTheIndividualDashboardToDetermineApplicationStatus .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4FilingusingTheIndividualDashboardToDetermineApplicationStatus_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4_maintamendingAnswersToDisclosureQuestions.md:chunk-0",
      "title": "Amending Answers to Disclosure Questions {#mu4_maintamendingAnswersToDisclosureQuestions .task}",
      "content": "# Amending Answers to Disclosure Questions \n\nExplains how to amend previously submitted answers to disclosure questions in an MU4 filing.\n\nIf your legal, regulatory, or financial circumstances change, you may need to amend answers to disclosure questions in NMLS.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Select **Update Record** in the Quick Links section.\n\n    The MU4 Form is opened.\n\n4.  Select the **Disclosure Questions** link on the left navigation panel.\n\n5.  Answer each question and provide explanations or documentation if required.\n\n    **Note:** See Providing Disclosure Explanations for more information.\n\n**Parent topic:**Completing an Individual MU4 Amendment Filing",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_maintamendingAnswersToDisclosureQuestions.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_maintamendingAnswersToDisclosureQuestions.md",
      "headings": [
        "Amending Answers to Disclosure Questions {#mu4_maintamendingAnswersToDisclosureQuestions .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4_maintamendingAnswersToDisclosureQuestions.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4_maintamendingIdentifyingInformationInNmls.md:chunk-0",
      "title": "Amending Individual Information in NMLS {#mu4_maintamendingIdentifyingInformationInNmls .task}",
      "content": "# Amending Individual Information in NMLS \n\nDescribes how to individual information in an MU4 amendment filing.\n\nIf your legal name, other names, mailing address, contact information, government identification, or status as a servicemember or veteran has changed, an MU4 amendment may be required.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Select **Update Record** in the Quick Links section.\n\n    The MU4 Form is opened.\n\n4.  Select the **Individual Information** link on the left navigation panel.\n\n5.  Edit your personal information as needed.\n\nAttesting to an Individual MU4 Amendment Filing\n\n**Parent topic:**Completing an Individual MU4 Amendment Filing",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_maintamendingIdentifyingInformationInNmls.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_maintamendingIdentifyingInformationInNmls.md",
      "headings": [
        "Amending Individual Information in NMLS {#mu4_maintamendingIdentifyingInformationInNmls .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4_maintamendingIdentifyingInformationInNmls.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4_maintamendingResidentialHistoryInTheIndivudalMu4Form.md:chunk-0",
      "title": "Amending Residential History in NMLS {#mu4_maintamendingResidentialHistoryInTheIndivudalMu4Form .task}",
      "content": "# Amending Residential History in NMLS \n\nProvides instructions for updating residential history in an MU4 amendment filing.\n\nYour residential history must be accurate and reflect continuous address history for at least the last 10 years. If you have moved to a new address, an MU4 amendment filing is required.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Select **Update Record** in the Quick Links section.\n\n    The MU4 Form is opened.\n\n4.  Select the **Individual Information** link on the left navigation panel.\n\n5.  Edit, add, or remove address entries as needed.\n\n    **Note:** Ensure there are no gaps in history.\n\n6.  Select **Save**.\n\nAttesting to an Individual MU4 Amendment Filing\n\n**Parent topic:**Completing an Individual MU4 Amendment Filing",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_maintamendingResidentialHistoryInTheIndivudalMu4Form.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_maintamendingResidentialHistoryInTheIndivudalMu4Form.md",
      "headings": [
        "Amending Residential History in NMLS {#mu4_maintamendingResidentialHistoryInTheIndivudalMu4Form .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4_maintamendingResidentialHistoryInTheIndivudalMu4Form.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4_maintattestingToAnIndividualMu4AmendmentFiling.md:chunk-0",
      "title": "Attesting to an Individual MU4 Amendment Filing {#mu4_maintattestingToAnIndividualMu4AmendmentFiling .task}",
      "content": "# Attesting to an Individual MU4 Amendment Filing \n\nDescribes how to attest to an MU4 amendment filing submitted by the individual.\n\nAll MU4 amendment filings must be attested to by the individual before submission to regulators.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Select **Update Record** in the Quick Links section.\n\n    The MU4 Form is opened.\n\n4.  Select the **Attest and Submit** link in the left navigation panel.\n\n5.  Review the errors and warnings in the Completeness Check section.\n\n    **Note:** If there are any outstanding items, satisfy each item before attesting to the form.\n\n6.  Select **I verify that I am the named person above and agree to the language as stated**.\n\n7.  Select the **Submit Filing** button.\n\n**Parent topic:**Completing an Individual MU4 Amendment Filing",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_maintattestingToAnIndividualMu4AmendmentFiling.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_maintattestingToAnIndividualMu4AmendmentFiling.md",
      "headings": [
        "Attesting to an Individual MU4 Amendment Filing {#mu4_maintattestingToAnIndividualMu4AmendmentFiling .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4_maintattestingToAnIndividualMu4AmendmentFiling.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4_maintattestingToMu4AmendmentFilingsCreatedBySponsoringCompany.md:chunk-0",
      "title": "Attesting to MU4 Amendment Filings Created by Sponsoring Company {#mu4_maintattestingToMu4AmendmentFilingsCreatedBySponsoringCompany .task}",
      "content": "# Attesting to MU4 Amendment Filings Created by Sponsoring Company \n\nDescribes how to attest to an MU4 amendment created by your sponsoring company.\n\nWhen attestation is required, you will receive an email notification instructing you to attest to a filing. When a sponsoring company creates an Individual MU4 amendment filing for a sponsored individual, the individual must attest before submission.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Select the **MU4 Filing** link under My Tasks.\n\n    **Note:** The status will be `Attestation Requested`.\n\n4.  Review the filing for accuracy.\n\n5.  Select the **Attest and Submit** link in the left navigation panel.\n\n6.  Review the errors and warnings in the Completeness Check section.\n\n    **Note:** If there are any outstanding items, satisfy each item before attesting to the form.\n\n7.  Select **I verify that I am the named person above and agree to the language as stated**.\n\n8.  Select the **Attest** button.\n\nThe filing is returned to your sponsoring company for final submission and payment.\n\n**Parent topic:**Completing an Individual MU4 Amendment Filing",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_maintattestingToMu4AmendmentFilingsCreatedBySponsoringCompany.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_maintattestingToMu4AmendmentFilingsCreatedBySponsoringCompany.md",
      "headings": [
        "Attesting to MU4 Amendment Filings Created by Sponsoring Company {#mu4_maintattestingToMu4AmendmentFilingsCreatedBySponsoringCompany .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4_maintattestingToMu4AmendmentFilingsCreatedBySponsoringCompany.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4_maintchangingEmployers.md:chunk-0",
      "title": "Changing Employers {#mu4_maintchangingEmployers .task}",
      "content": "# Changing Employers \n\nExplains how to update your employer in NMLS using an MU4 amendment filing.\n\nWhen you change employers, your NMLS record must be updated to reflect the new sponsorship and employment relationship. This requires updates to your User Profile, company relationships and sponsorships, and your Individual \\(MU4\\) Form. You should also review the state’s amendment checklist on the State Licensing Checklist Compiler for any additional requirements outside NMLS.\n\n1.  **Update User Profile**\n2.  See Accessing Your User Profile. Confirm your phone number and email address are correct for your new employer, and make updates if needed.\n\n3.  **End Current Company Relationship and Grant New Company Access**\n4.  Select the **Relationships & Sponsorships** tab on the My NMLS screen in NMLS Connect.\n\n5.  Click the **End Relationship** button for your current employer and enter the relationship end date.\n\n    **Note:** This action removes any existing sponsorships. Your license status may be affected until your new employer submits a sponsorship request.\n\n6.  Select **Save**.\n\n7.  Grant access to your new employer. See Granting Access to Your Company for more information.\n\n    **Note:** Granting access allows your new employer to establish a relationship and sponsor your licenses.\n\n8.  **Amend Your MU4 Form**\n9.  Navigate to the NMLS Login page \\(State Context\\).\n\n10. Log in to your NMLS account.\n\n11. Select **Update Record** in the Quick Links section.\n\n    The MU4 Form is opened.\n\n12. Select the **Employment** link in the left navigation panel.\n\n13. Edit your previous employment entry by unchecking **Is this your current employer?** and entering the correct **To** date.\n\n    **Note:** The **To** date refers to the end date of your employment.\n\n14. Select **Save**.\n\n15. Click **Add Employment History**, checking **Is this your current employer?** and enter the correct **From** date.\n\n    **Note:** No gaps may exist between employers. If you had a period of unem",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_maintchangingEmployers.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_maintchangingEmployers.md",
      "headings": [
        "Changing Employers {#mu4_maintchangingEmployers .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4_maintchangingEmployers.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4_maintchangingEmployers.md:chunk-1",
      "title": "Changing Employers {#mu4_maintchangingEmployers .task}",
      "content": "\n\n15. Click **Add Employment History**, checking **Is this your current employer?** and enter the correct **From** date.\n\n    **Note:** No gaps may exist between employers. If you had a period of unemployment, list it in Employment History. The employer name and address must match the NMLS company record.\n\n16. Select **Save**.\n\nAttesting to an Individual MU4 Amendment Filing\n\n**Parent topic:**Maintaining Individual Licenses or Registrations",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_maintchangingEmployers.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_maintchangingEmployers.md",
      "headings": [
        "Changing Employers {#mu4_maintchangingEmployers .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4_maintchangingEmployers.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4_maintcompletingAmendmentRequirementsSubmittedOutsideOfNmls.md:chunk-0",
      "title": "Completing Amendment Requirements Submitted Outside of NMLS {#mu4_maintcompletingAmendmentRequirementsSubmittedOutsideOfNmls .task}",
      "content": "# Completing Amendment Requirements Submitted Outside of NMLS \n\nExplains how to handle amendment-related requirements that are completed outside of NMLS.\n\nSome MU4 requirements must be completed outside of the NMLS system and submitted directly to the appropriate state agency.\n\nInformation about the requirements that must be completed outside of the NMLS system can be accessed via the Agency Guidance section of the Individual MU4 Form.\n\nAlternatively, you can refer to the following resources on the NMLS Resource Center:\n\n-   Use the State Licensing Checklist Compiler to generate a custom checklist for your license type and state.\n-   Review the **Licensing Requirements and Fees Chart** for details on document types, delivery methods, and deadlines.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Select **Update Record** in the Quick Links section.\n\n    The MU4 Form is opened.\n\n4.  Select the **Agency Guidance** link on the left navigation panel.\n\n5.  Review the agency guidance provided for the licenses that are a part of your Individual MU4 Filing.\n\n6.  Identify all requirements that are indicated to sent directly to the state agency.\n\n7.  Prepare and submit all required documents within the timeframe listed in the Agency Guidance section.\n\n**Parent topic:**Maintaining Individual Licenses or Registrations",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_maintcompletingAmendmentRequirementsSubmittedOutsideOfNmls.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_maintcompletingAmendmentRequirementsSubmittedOutsideOfNmls.md",
      "headings": [
        "Completing Amendment Requirements Submitted Outside of NMLS {#mu4_maintcompletingAmendmentRequirementsSubmittedOutsideOfNmls .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4_maintcompletingAmendmentRequirementsSubmittedOutsideOfNmls.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4_maintcompletingAnIndividualMu4AmendmentFiling.md:chunk-0",
      "title": "Completing an Individual MU4 Amendment Filing {#mu4_maintcompletingAnIndividualMu4AmendmentFiling .task}",
      "content": "# Completing an Individual MU4 Amendment Filing \n\nDescribes how to complete and submit an MU4 amendment initiated by the individual.\n\nWhen you initiate an MU4 amendment filing, you must complete all required sections based on the information you are changing and then attest and submit the filing..\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Select **Update Record** in the Quick Links section.\n\n    The MU4 Form is opened.\n\n4.  Navigate through each section and make the necessary updates.\n\n5.  Click **Attest and Submit** to finalize your amendments. See Attesting to an Individual MU4 Amendment Filing for more information.\n\n6.  Track your amendment filing status using the My Licenses section on the Home tab of NMLS Connect.\n\nFor details on the different components of the Individual \\(MU4\\) Form, see the following topics:\n\n-   Deleting and Amending Uploaded Documentation\n-   Amending Individual Information in NMLS\n-   Amending Residential History in NMLS\n-   Amending Answers to Disclosure Questions\n-   Attesting to an Individual MU4 Amendment Filing\n\n-   **Deleting and Amending Uploaded Documentation**  \nHow to delete or amend documents uploaded to the Individual MU4 Form.\n-   **Amending Individual Information in NMLS**  \nDescribes how to individual information in an MU4 amendment filing.\n-   **Amending Residential History in NMLS**  \nProvides instructions for updating residential history in an MU4 amendment filing.\n-   **Amending Answers to Disclosure Questions**  \nExplains how to amend previously submitted answers to disclosure questions in an MU4 filing.\n-   **Attesting to an Individual MU4 Amendment Filing**  \nDescribes how to attest to an MU4 amendment filing submitted by the individual.\n-   **Attesting to MU4 Amendment Filings Created by Sponsoring Company**  \nDescribes how to attest to an MU4 amendment created by your sponsoring company.\n\n**Parent topic:**Filing Amendments to the Individual MU4 Form",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_maintcompletingAnIndividualMu4AmendmentFiling.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_maintcompletingAnIndividualMu4AmendmentFiling.md",
      "headings": [
        "Completing an Individual MU4 Amendment Filing {#mu4_maintcompletingAnIndividualMu4AmendmentFiling .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4_maintcompletingAnIndividualMu4AmendmentFiling.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4_maintcreatingAnIndividualMu4AmendmentFiling.md:chunk-0",
      "title": "Creating an Individual MU4 Amendment Filing {#mu4_maintcreatingAnIndividualMu4AmendmentFiling .task}",
      "content": "# Creating an Individual MU4 Amendment Filing \n\nHow to initiate an MU4 amendment filing in NMLS.\n\nYou may need to amend an existing MU4 filing to reflect changes in personal or professional information.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Select **Update Record** in the Quick Links section.\n\n    The MU4 Form is opened.\n\nCompleting an Individual MU4 Amendment Filing\n\n**Parent topic:**Filing Amendments to the Individual MU4 Form",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_maintcreatingAnIndividualMu4AmendmentFiling.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_maintcreatingAnIndividualMu4AmendmentFiling.md",
      "headings": [
        "Creating an Individual MU4 Amendment Filing {#mu4_maintcreatingAnIndividualMu4AmendmentFiling .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4_maintcreatingAnIndividualMu4AmendmentFiling.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4_maintdeterminingAmendmentStatus.md:chunk-0",
      "title": "Determining Amendment Status {#mu4_maintdeterminingAmendmentStatus .task}",
      "content": "# Determining Amendment Status \n\nExplains how to determine the status of an MU4 amendment filing in NMLS.\n\nAfter submitting an amendment filing, use NMLS to track the status and confirm acceptance by regulators.\n\n1.  Click the **Composite View** tab.\n\n2.  Select **View Individual**.\n\n3.  Review the **License Status** and **Filing History** sections.\n\n-   **Using the Individual Dashboard to Determine Amendment Status**  \nShows how to use the Individual Dashboard to find and act on pending amendment filings.\n-   **Using Composite View to Determine Amendment Status**  \nExplains how to use Composite View in NMLS to view the status of an amendment.\n\n**Parent topic:**Maintaining Individual Licenses or Registrations",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_maintdeterminingAmendmentStatus.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_maintdeterminingAmendmentStatus.md",
      "headings": [
        "Determining Amendment Status {#mu4_maintdeterminingAmendmentStatus .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4_maintdeterminingAmendmentStatus.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4_maintdeterminingLicenseOrRegistrationStatus.md:chunk-0",
      "title": "Determining License or Registration Status {#mu4_maintdeterminingLicenseOrRegistrationStatus .task}",
      "content": "# Determining License or Registration Status \n\nExplains how to check the current status of an individual license or registration in NMLS.\n\nUse NMLS to confirm the approval, pending, or deficient status of a license or registration application.\n\n1.  Navigate to the NMLS Login page.\n\n    -   State context.\n    -   Federal context.\n2.  Log in to your NMLS account.\n\n3.  Select **Filing** > **Individual** from the menu.\n\n    The Individual Filings screen is displayed.\n\n4.  Click the **Composite View** tab.\n\n5.  Select **View Individual**.\n\n6.  Review the **License Status** section for up-to-date information.\n\n**See Also:**  \n\nLicense Status Definitions",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_maintdeterminingLicenseOrRegistrationStatus.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_maintdeterminingLicenseOrRegistrationStatus.md",
      "headings": [
        "Determining License or Registration Status {#mu4_maintdeterminingLicenseOrRegistrationStatus .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4_maintdeterminingLicenseOrRegistrationStatus.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4_maintfilingAmendmentsToTheIndividualMu4Form.md:chunk-0",
      "title": "Filing Amendments to the Individual MU4 Form {#mu4_maintfilingAmendmentsToTheIndividualMu4Form .task}",
      "content": "# Filing Amendments to the Individual MU4 Form \n\nUnderstand the purpose of amendments to the Individual MU4 Form and what to expect when filing them in NMLS.\n\nAmendments \\(or changes\\) to the Individual MU4 Form is the way state-licensed individuals can update their record in NMLS. This form captures all relevant background information, including identity, employment, residential history, disclosures, and required authorizations.\n\nAccording to NMLS Policy Guide, the information provided in your MU4 Form must be accurate and fully completed before submission. Any incomplete or misleading information may result in processing delays or license denial.\n\nCreating an Individual MU4 Amendment Filing\n\n-   **Creating an Individual MU4 Amendment Filing**  \nHow to initiate an MU4 amendment filing in NMLS.\n-   **Completing an Individual MU4 Amendment Filing**  \nDescribes how to complete and submit an MU4 amendment initiated by the individual.\n\n**Parent topic:**Maintaining Individual Licenses or Registrations",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_maintfilingAmendmentsToTheIndividualMu4Form.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_maintfilingAmendmentsToTheIndividualMu4Form.md",
      "headings": [
        "Filing Amendments to the Individual MU4 Form {#mu4_maintfilingAmendmentsToTheIndividualMu4Form .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4_maintfilingAmendmentsToTheIndividualMu4Form.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4_maintmaintainingIndividualLicensesOrRegistrations.md:chunk-0",
      "title": "Maintaining Individual Licenses or Registrations {#mu4_maintmaintainingIndividualLicensesOrRegistrations .concept}",
      "content": "# Maintaining Individual Licenses or Registrations \n\nOutlines ongoing responsibilities for keeping a license or registration in good standing.\n\nTo maintain an active license or registration, individuals must respond to license items submit amendments as needed when their information or employment has changed.\n\nSee the following topics for more information:\n\n-   Changing Employers\n-   Determining MU4 Filing Status\n-   Responding to License Items for Individuals\n-   Filing Amendments to the Individual MU4 Form\n\n-   **Changing Employers**  \nExplains how to update your employer in NMLS using an MU4 amendment filing.\n-   **Determining MU4 Filing Status**  \nLearn how to review the status of a submitted MU4 filing in NMLS.\n-   **Responding to License Items for Individuals**  \nLearn how to respond to license items issued by state regulators during the review of your MU4 application.\n-   **Gathering Requirements**  \nUnderstand how to identify and collect the information and documents needed to complete filings in NMLS.\n-   **Filing Amendments to the Individual MU4 Form**  \nUnderstand the purpose of amendments to the Individual MU4 Form and what to expect when filing them in NMLS.\n-   **Completing Amendment Requirements Submitted Outside of NMLS**  \nExplains how to handle amendment-related requirements that are completed outside of NMLS.\n-   **Determining Amendment Status**  \nExplains how to determine the status of an MU4 amendment filing in NMLS.\n\n**NMLS Help**  \n\nAccount Administration\n\nChoosing Your Account Adminitstrators\n\nNMLS Two-Factor Authentication\n\nRequest an Individual Account\n\nNMLS Account Recovery\n\nManaging NMLS User Profiles\n\n**NMLS Resource Center**  \n\nNMLS Resource Center Home\n\nNMLS Call Center",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_maintmaintainingIndividualLicensesOrRegistrations.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_maintmaintainingIndividualLicensesOrRegistrations.md",
      "headings": [
        "Maintaining Individual Licenses or Registrations {#mu4_maintmaintainingIndividualLicensesOrRegistrations .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4_maintmaintainingIndividualLicensesOrRegistrations.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4_maintrespondingToLicenseItemsForIndividuals.md:chunk-0",
      "title": "Responding to License Items for Individuals {#mu4_maintrespondingToLicenseItemsForIndividuals .task}",
      "content": "# Responding to License Items for Individuals \n\nExplains how to respond to license items issued by a regulator.\n\nLicense items indicate outstanding information or issues that must be addressed before a license or registration can be approved.\n\n1.  Navigate to the NMLS Login page.\n\n    -   State context.\n    -   Federal context.\n2.  Log in to your NMLS account.\n\n3.  Select **Filing** > **Individual** from the menu.\n\n    The Individual Filings screen is displayed.\n\n4.  Click the **Composite View** tab.\n\n5.  Select **View Individual**.\n\n6.  Open the **License Items** section to view and respond to any open items.\n\n7.  Follow instructions provided for each item and upload supporting documentation if required.\n\n**See Also:**  \n\nLicense Status Definitions",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_maintrespondingToLicenseItemsForIndividuals.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_maintrespondingToLicenseItemsForIndividuals.md",
      "headings": [
        "Responding to License Items for Individuals {#mu4_maintrespondingToLicenseItemsForIndividuals .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4_maintrespondingToLicenseItemsForIndividuals.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4_maintusingCompositeViewToDetermineAmendmentStatus.md:chunk-0",
      "title": "Using Composite View to Determine Amendment Status {#mu4_maintusingCompositeViewToDetermineAmendmentStatus .task}",
      "content": "# Using Composite View to Determine Amendment Status \n\nExplains how to use Composite View in NMLS to view the status of an amendment.\n\nComposite View provides access to detailed filing history and license status information for individuals.\n\n1.  Navigate to the NMLS Login page.\n\n    -   State context.\n    -   Federal context.\n2.  Log in to your NMLS account.\n\n3.  Select **Filing** > **Individual** from the menu.\n\n    The Individual Filings screen is displayed.\n\n4.  Click the **Composite View** tab.\n\n5.  Select **View Individual**.\n\n6.  Click the **Filing History** link to view amendment filing details.\n\n**Parent topic:**Determining Amendment Status",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_maintusingCompositeViewToDetermineAmendmentStatus.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_maintusingCompositeViewToDetermineAmendmentStatus.md",
      "headings": [
        "Using Composite View to Determine Amendment Status {#mu4_maintusingCompositeViewToDetermineAmendmentStatus .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4_maintusingCompositeViewToDetermineAmendmentStatus.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4_maintusingCompositeViewToDetermineLicenseOrRegistrationStatus.md:chunk-0",
      "title": "Using Composite View to Determine License or Registration Status {#mu4_maintusingCompositeViewToDetermineLicenseOrRegistrationStatus .task}",
      "content": "# Using Composite View to Determine License or Registration Status \n\nShows how to check license or registration status using the Composite View tab in NMLS.\n\nComposite View displays the most current information about license status for individuals and companies.\n\n1.  Navigate to the NMLS Login page.\n\n    -   State context.\n    -   Federal context.\n2.  Log in to your NMLS account.\n\n3.  Select **Filing** > **Individual** from the menu.\n\n    The Individual Filings screen is displayed.\n\n4.  Click the **Composite View** tab.\n\n5.  Select **View Individual**.\n\n6.  Review the **License Status** section to determine current standing.\n\n**See Also:**  \n\nLicense Status Definitions",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_maintusingCompositeViewToDetermineLicenseOrRegistrationStatus.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_maintusingCompositeViewToDetermineLicenseOrRegistrationStatus.md",
      "headings": [
        "Using Composite View to Determine License or Registration Status {#mu4_maintusingCompositeViewToDetermineLicenseOrRegistrationStatus .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4_maintusingCompositeViewToDetermineLicenseOrRegistrationStatus.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4_maintusingTheIndividualDashboardToDetermineAmendmentStatus.md:chunk-0",
      "title": "Using the Individual Dashboard to Determine Amendment Status {#mu4_maintusingTheIndividualDashboardToDetermineAmendmentStatus .task}",
      "content": "# Using the Individual Dashboard to Determine Amendment Status \n\nShows how to use the Individual Dashboard to find and act on pending amendment filings.\n\nThe Individual Dashboard displays recent filings and license items, allowing users to act directly on pending MU4 amendments.\n\n1.  After logging in, go to the **Individual Dashboard**.\n\n2.  In the **Current Action Items** section, check for listings marked **Attestation Required** or **Submission Required** for amendments.\n\n3.  Click the amendment link to go directly to **Filing ▶ Individual** and complete the attestation.\n\n4.  Scroll to the **Licenses** section to verify that the amendment filing has been accepted.\n\n5.  If needed, click **View License/Registration List** to open **Composite View** and confirm registration status.\n\n**Parent topic:**Determining Amendment Status",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_maintusingTheIndividualDashboardToDetermineAmendmentStatus.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_maintusingTheIndividualDashboardToDetermineAmendmentStatus.md",
      "headings": [
        "Using the Individual Dashboard to Determine Amendment Status {#mu4_maintusingTheIndividualDashboardToDetermineAmendmentStatus .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4_maintusingTheIndividualDashboardToDetermineAmendmentStatus.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4_maintusingTheIndividualDashboardToDetermineLicenseOrRegistrationStatus.md:chunk-0",
      "title": "Using the Individual Dashboard to Determine License or Registration Status {#mu4_maintusingTheIndividualDashboardToDetermineLicenseOrRegistrationStatus .task}",
      "content": "# Using the Individual Dashboard to Determine License or Registration Status \n\nShows how to use the Dashboard to check current license or registration status.\n\nThe Dashboard provides a quick snapshot of active licenses and alerts users to pending actions.\n\n1.  After logging in, go to the **Individual Dashboard**.\n\n2.  Scroll to the **Licenses** section to view all current licenses and their status.\n\n3.  Click **View License/Registration List** to open **Composite View** for details on each license.\n\n**See Also:**  \n\nLicense Status Definitions",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_maintusingTheIndividualDashboardToDetermineLicenseOrRegistrationStatus.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_maintusingTheIndividualDashboardToDetermineLicenseOrRegistrationStatus.md",
      "headings": [
        "Using the Individual Dashboard to Determine License or Registration Status {#mu4_maintusingTheIndividualDashboardToDetermineLicenseOrRegistrationStatus .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4_maintusingTheIndividualDashboardToDetermineLicenseOrRegistrationStatus.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4_renewattestingToAnnualRenewalRequestsSubmittedBySponsoringCompany.md:chunk-0",
      "title": "Attesting to Annual Renewal Requests Submitted by Sponsoring Company {#mu4_renewattestingToAnnualRenewalRequestsSubmittedBySponsoringCompany .task}",
      "content": "# Attesting to Annual Renewal Requests Submitted by Sponsoring Company \n\nExplains how state-licensed individuals attest to a renewal request submitted by their sponsoring company during the renewal period.\n\nDuring the annual renewal period \\(November 1–December 31\\), a state-licensed individual must attest to renewal requests submitted on their behalf by a sponsoring company. The renewal process is not complete until attestation is completed in NMLS.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Navigate to the Renewals Tab page in NMLS Classic:\n\n    -   Select **Renewal Home** in the Quick Links section.\n    -   Select the **Renew** link next to the relevant license in the My Licenses section.\n\n        \n\n    The Renewals Tab in NMLS Classic is displayed.\n\n4.  Click the **Attest for Company** button.\n\n5.  Select the licenses that you are attesting to renewal for.\n\n6.  Select the **Next** button.\n\n7.  If prompted, authorize any required criminal background checks or credit checks.\n\n    **Note:** See **Completing the Criminal Background Check Process** for more information.\n\n8.  Select the **Next** button.\n\n9.  Select **I verify that I am the named person above and agree to the language as stated**.\n\n10. Select the **Attest** button.\n\nYour company is notified of your attestation and can take the appropriate action to finalize the submission of your license renewal.\n\n**Parent topic:**Requesting NMLS Annual Renewal for Individuals",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_renewattestingToAnnualRenewalRequestsSubmittedBySponsoringCompany.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_renewattestingToAnnualRenewalRequestsSubmittedBySponsoringCompany.md",
      "headings": [
        "Attesting to Annual Renewal Requests Submitted by Sponsoring Company {#mu4_renewattestingToAnnualRenewalRequestsSubmittedBySponsoringCompany .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4_renewattestingToAnnualRenewalRequestsSubmittedBySponsoringCompany.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4_renewattestingToYourOwnAnnualRenewalRequests.md:chunk-0",
      "title": "Attesting and Paying for Your Own Annual Renewal Requests {#licInd_mu4_renewattestingToYourOwnAnnualRenewalRequests .task}",
      "content": "# Attesting and Paying for Your Own Annual Renewal Requests \n\nIndividuals must attest to the accuracy of their information in NMLS as part of the license renewal process. This confirms their intent to renew licenses and ensures the renewal request is submitted to state agencies.\n\nAs part of the NMLS annual renewal process, individuals must complete an attestation step to confirm the accuracy of their record and their intent to renew one or more licenses. This step is required for the renewal request to be submitted to the relevant state agencies. The attestation window runs from November 1 through December 31 each year.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Navigate to the Renewals Tab page in NMLS Classic:\n\n    -   Select **Renewal Home** in the Quick Links section.\n    -   Select the **Renew** link next to the relevant license in the My Licenses section.\n\n        \n\n    The Renewals Tab in NMLS Classic is displayed.\n\n4.  Click the **Attest and Pay** button.\n\n5.  Select the licenses that you are attesting to renewal for.\n\n6.  Select the **Next** button.\n\n7.  If prompted, authorize any required criminal background checks or credit checks.\n\n    **Note:** See **Completing the Criminal Background Check Process** for more information.\n\n8.  Select the **Next** button.\n\n9.  Review invoice details and click the **Proceed to Invoice** button.\n\n10. Select **I verify that I am the named person above and agree to the language as stated**.\n\n11. Click the **Attest and Pay Invoice** button.\n\n12. Follow the payment prompts to complete the renewal attestation process.\n\n**Parent topic:**Requesting NMLS Annual Renewal for Individuals",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_renewattestingToYourOwnAnnualRenewalRequests.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_renewattestingToYourOwnAnnualRenewalRequests.md",
      "headings": [
        "Attesting and Paying for Your Own Annual Renewal Requests {#licInd_mu4_renewattestingToYourOwnAnnualRenewalRequests .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4_renewattestingToYourOwnAnnualRenewalRequests.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4_renewcheckingCriminalBackgroundCheckStatus.md:chunk-0",
      "title": "Checking Criminal Background Check Status During Renewal {#licInd_mu4_renewcheckingCriminalBackgroundCheckStatus .task}",
      "content": "# Checking Criminal Background Check Status During Renewal \n\nCheck the status of your Criminal Background Check \\(CBC\\) to ensure it has been completed and results have been received by NMLS as part of your renewal process.\n\nAs part of the annual license renewal process, you must ensure that your Criminal Background Check \\(CBC\\) is up to date and has been processed. NMLS allows you to view the current status of your CBC and confirm that it has been successfully completed. If the CBC is not complete, your renewal may be delayed or denied.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Click the **Composite View** tab.\n\n    **Note:** If you are a state-licensed individual \\(not an MU2 individual for a state-licensed company\\), click **View Complete Record Information** in the Quick Links section of NMLS Connect.\n\n4.  Select **View Individual**.\n\n5.  In the left navigation panel, click **Criminal Background Check Requests**.\n\n**Parent topic:**Preparing for NMLS Annual Renewal for Individuals",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_renewcheckingCriminalBackgroundCheckStatus.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_renewcheckingCriminalBackgroundCheckStatus.md",
      "headings": [
        "Checking Criminal Background Check Status During Renewal {#licInd_mu4_renewcheckingCriminalBackgroundCheckStatus .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4_renewcheckingCriminalBackgroundCheckStatus.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4_renewchoosingDoNotRenewForYourLicense.md:chunk-0",
      "title": "Choosing Do Not Renew for Your License {#licInd_mu4_renewchoosingDoNotRenewForYourLicense .task}",
      "content": "# Choosing Do Not Renew for Your License \n\nIf you do not intend to renew a particular license during the annual renewal period, you must select the Do Not Renew option in NMLS to notify the relevant agency.\n\nIf you do not intend to renew a license, you must inform your regulator by following the Do Not Renew Workflow. Also, depending on a regulator’s rules or statutes, choosing to not renew a license may require additional information be sent outside of the system. Some regulators may also consider this a “surrender.” For additional information users can view the surrender checklists in the State Licensing Checklist Compiler. You may reverse this selection before the renewal period ends if your plans change.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Navigate to the Renewals Tab page in NMLS Classic:\n\n    -   Select **Renewal Home** in the Quick Links section.\n    -   Select the **Renew** link next to the relevant license in the My Licenses section.\n\n        \n\n    The Renewals Tab in NMLS Classic is displayed.\n\n4.  Click the **Do Not Renew** button.\n\n5.  Select the licenses you do not wish to renew.\n\n6.  Click the **Apply** button.\n\n-   **Recalling a License Marked Do Not Renew**  \nIf you previously selected \"Do Not Renew\" for a license, you can recall that selection and submit a renewal request during the open renewal window.\n\n**Parent topic:**Renewing Individual Licenses or Registrations",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_renewchoosingDoNotRenewForYourLicense.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_renewchoosingDoNotRenewForYourLicense.md",
      "headings": [
        "Choosing Do Not Renew for Your License {#licInd_mu4_renewchoosingDoNotRenewForYourLicense .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4_renewchoosingDoNotRenewForYourLicense.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4_renewcompletingContinuingEducation.md:chunk-0",
      "title": "Completing Continuing Education for Renewal {#licInd_mu4_renewcompletingContinuingEducation .task}",
      "content": "# Completing Continuing Education for Renewal \n\nTo be eligible for license renewal, you must complete the required Continuing Education \\(CE\\) and ensure that course completion is posted to your NMLS record.\n\nAs part of annual license renewal, licensed individuals must complete NMLS-approved Continuing Education \\(CE\\) courses. Completion records must be reported by the course provider and posted to your NMLS record before you can renew. Most CE course completions are posted within 7 calendar days. Use your BioSig-ID® when required.\n\nRefer to these resources below for more information:\n\n-   Education Record\n-   Understand Your Education Record\n-   State-Specific Education Requirements \\(PE and CE\\)\n-   NMLS Approved Course Provider List\n-   Education FAQ - Continuing Education \\(CE\\)\n\n-   BioSig-ID Help\n\nEnrolling in NMLS-Approved CE Courses\n\n-   **Enrolling in NMLS-Approved CE Courses**  \nMortgage Loan Originators \\(MLOs\\) must complete NMLS-approved Continuing Education \\(CE\\) annually to remain eligible for license renewal.\n\n**Parent topic:**Preparing for NMLS Annual Renewal for Individuals\n\n**MLO Education and Testing Guide**  \n\nMLO Education and Testing Guide\n\nViewing Your Education Record\n\nNMLS Approved Course Provider List\n\nState Education Requirements for PE and CE\n\nFAQs for PE\n\nFAQs for CE\n\n**NMLS Resource Center**  \n\nState Licensing Checklist Compiler\n\nState Renewals Checklist Compiler\n\nNMLS Resource Center Home\n\nNMLS Call Center",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_renewcompletingContinuingEducation.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_renewcompletingContinuingEducation.md",
      "headings": [
        "Completing Continuing Education for Renewal {#licInd_mu4_renewcompletingContinuingEducation .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4_renewcompletingContinuingEducation.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4_renewconfirmingYourRecordIsUpToDate.md:chunk-0",
      "title": "Confirming Your Record Is Up to Date {#licInd_mu4_renewconfirmingYourRecordIsUpToDate .task}",
      "content": "# Confirming Your Record Is Up to Date \n\nBefore submitting a renewal request, individuals should review their record in NMLS to ensure that all personal and license-related information is current and accurate.\n\nPrior to renewing your license, use the features available in NMLS to confirm that all information associated with your record is correct. This includes your contact details, employment history, disclosure questions, and license information. Submitting a renewal with outdated or inaccurate information may result in delays or regulatory action.\n\nSee the following topics that can help you ensure your record is up to date:\n\n-   Editing Account Information\n-   Maintaining Individual Licenses or Registrations\n\n**Parent topic:**Preparing for NMLS Annual Renewal for Individuals",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_renewconfirmingYourRecordIsUpToDate.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_renewconfirmingYourRecordIsUpToDate.md",
      "headings": [
        "Confirming Your Record Is Up to Date {#licInd_mu4_renewconfirmingYourRecordIsUpToDate .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4_renewconfirmingYourRecordIsUpToDate.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4_renewdeterminingRenewalStatusUsingCompositeView.md:chunk-0",
      "title": "Determining Renewal Status Using Composite View {#licInd_mu4_renewdeterminingRenewalStatusUsingCompositeView .task}",
      "content": "# Determining Renewal Status Using Composite View \n\nYou can use the Composite View tab in NMLS to monitor the status of your license renewal requests.\n\nOnce the renewal request is completed, a \"Renewal Requested\" status displays in the Composite View tab of NMLS \\(see screenshot below\\).\n\nThe licensee receives a confirmation email from NMLS. The state agency is be notified, reviews your request, communicates any identified issues, and updates the status of your renewal request accordingly.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Select **View Complete Record Information** in the Quick Links section.\n\n    The Composite View Tab in NMLS Classic is displayed.\n\n4.  Click the **State License/Registration List** link on the left navigation panel to see the current renewal status of your licenses or registrations.\n\n**Parent topic:**Renewing Individual Licenses or Registrations",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_renewdeterminingRenewalStatusUsingCompositeView.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_renewdeterminingRenewalStatusUsingCompositeView.md",
      "headings": [
        "Determining Renewal Status Using Composite View {#licInd_mu4_renewdeterminingRenewalStatusUsingCompositeView .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4_renewdeterminingRenewalStatusUsingCompositeView.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4_renewenrollingInNmlsApprovedCeCourses.md:chunk-0",
      "title": "Enrolling in NMLS-Approved CE Courses {#licInd_mu4_renewenrollingInNmlsApprovedCeCourses .task}",
      "content": "# Enrolling in NMLS-Approved CE Courses \n\nMortgage Loan Originators \\(MLOs\\) must complete NMLS-approved Continuing Education \\(CE\\) annually to remain eligible for license renewal.\n\nMLOs must complete Continuing Education \\(CE\\) annually through an NMLS-approved course provider. Course completion is reported directly by the provider to NMLS, typically within 7 calendar days. Some CE courses may require the use of a BioSig-ID® to verify your identity before credit is issued. \\(See BioSig-ID Help for more information.\\)\n\nTo browse CE course providers and determine CE requirements, visit:\n\n-   NMLS Approved Course Provider List\n-   State-Specific Education Requirements \\(PE and CE\\)\n\n1.  Research your state's CE requirements using the Education Requirements chart linked above.\n\n2.  Select an NMLS-approved course provider that offers courses meeting both national and any state-specific CE requirements.\n\n3.  Register and complete your selected course\\(s\\), following any BioSig-ID® requirements as instructed by the provider.\n\n4.  Allow up to 7 calendar days for your CE course completion to be posted to your NMLS record.\n\n    **Tip:** If your CE completion has not posted within 7 days, contact your course provider directly.\n\n**Parent topic:**Completing Continuing Education for Renewal\n\n**MLO Education and Testing Guide**  \n\nMLO Education and Testing Guide\n\nViewing Your Education Record\n\nNMLS Approved Course Provider List\n\nState Education Requirements for PE and CE\n\nFAQs for PE\n\nFAQs for CE\n\n**NMLS Resource Center**  \n\nState Licensing Checklist Compiler\n\nState Renewals Checklist Compiler\n\nNMLS Resource Center Home\n\nNMLS Call Center",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_renewenrollingInNmlsApprovedCeCourses.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_renewenrollingInNmlsApprovedCeCourses.md",
      "headings": [
        "Enrolling in NMLS-Approved CE Courses {#licInd_mu4_renewenrollingInNmlsApprovedCeCourses .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4_renewenrollingInNmlsApprovedCeCourses.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4_renewfailingToRenewYourLicense.md:chunk-0",
      "title": "Failing to Renew Your License {#licInd_mu4_renewfailingToRenewYourLicense .concept}",
      "content": "# Failing to Renew Your License \n\nIf you do not complete the renewal process by the deadline, your license may be terminated or marked ineligible, and you may be required to reinstate it if permitted by the state agency.\n\nIf you do not submit a renewal request and complete attestation by December 31, your license may be considered inactive or terminated, depending on the policies of each state agency. Some agencies may offer a reinstatement period from January 1 through the end of February, allowing you to renew late with additional fees.\n\nIf reinstatement is not allowed or not submitted in time, your license will remain terminated and you must reapply as a new applicant to regain licensure in that state.\n\nYou are responsible for reviewing the renewal policies and deadlines for each state in which you are licensed to ensure compliance. Late renewal may result in fines, enforcement actions, or disruption to your ability to conduct licensed activities.\n\n**Parent topic:**NMLS Annual Renewal Overview for Individuals",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_renewfailingToRenewYourLicense.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_renewfailingToRenewYourLicense.md",
      "headings": [
        "Failing to Renew Your License {#licInd_mu4_renewfailingToRenewYourLicense .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4_renewfailingToRenewYourLicense.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4_renewgatheringRenewalRequirements.md:chunk-0",
      "title": "Gathering Renewal Requirements {#licInd_mu4_renewgatheringRenewalRequirements .concept}",
      "content": "# Gathering Renewal Requirements \n\nBefore you can renew your license, you must gather all state-specific requirements using the NMLS Renewal Checklist Compiler and the Renewal Deadlines, Requirements, and Fees Chart.\n\nThe steps and documentation required to renew your license vary by state. Before beginning the renewal process, you must review and collect all required information and verify that you meet each state’s requirements.\n\nYou can use the Annual Renewal Checklist to generate a customized checklist of all items required for renewal in each state where you are licensed. This checklist will identify submission steps, documentation requirements, and whether any agency-specific actions are required outside of NMLS.\n\nIn addition, refer to the Renewal Deadlines, Requirements, and Fees Chart to confirm the key dates and fees associated with each renewal. You can filter the chart to display only individual licenses and select the states in which you are licensed to see tailored results.\n\nReview both tools carefully to ensure you have completed all prerequisite items prior to submitting your renewal request. Failure to meet even one requirement may delay or prevent your license from being renewed.\n\nSee the following topics for more information:\n\n-   Using the Renewal Deadlines, Requirements, and Fees Chart\n-   Using the Annual Renewal Checklist Compiler\n\n-   **Licenses Bypassing Renewal**  \nSome licenses may be excluded from the annual renewal process in NMLS depending on how recently they were issued or transitioned into the system.\n-   **Using the Renewal Deadlines, Requirements, and Fees Chart**  \nThis task explains how to access and interpret the Renewal Deadlines, Requirements, and Fees Chart to review key state-by-state requirements for license renewal.\n-   **Using the Annual Renewal Checklist Compiler**  \nThis task explains how to use the Annual Renewal Checklist Compiler to view and download checklists for state-specific license renewals.\n\n**Parent topic:**Pr",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_renewgatheringRenewalRequirements.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_renewgatheringRenewalRequirements.md",
      "headings": [
        "Gathering Renewal Requirements {#licInd_mu4_renewgatheringRenewalRequirements .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4_renewgatheringRenewalRequirements.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4_renewgatheringRenewalRequirements.md:chunk-1",
      "title": "Gathering Renewal Requirements {#licInd_mu4_renewgatheringRenewalRequirements .concept}",
      "content": " the Annual Renewal Checklist Compiler**  \nThis task explains how to use the Annual Renewal Checklist Compiler to view and download checklists for state-specific license renewals.\n\n**Parent topic:**Preparing for NMLS Annual Renewal for Companies\n\n**See Also:**  \n\nState-Specific Education Requirements \\(PE and CE\\)\n\nNMLS Approved Course Provider List\n\nEducation Record\n\nEducation FAQ - Continuing Education \\(CE\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_renewgatheringRenewalRequirements.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_renewgatheringRenewalRequirements.md",
      "headings": [
        "Gathering Renewal Requirements {#licInd_mu4_renewgatheringRenewalRequirements .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4_renewgatheringRenewalRequirements.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4_renewgatheringRenewalRequirements_2.md:chunk-0",
      "title": "Gathering Renewal Requirements {#licInd_mu4_renewgatheringRenewalRequirements .concept}",
      "content": "# Gathering Renewal Requirements \n\nBefore you can renew your license, you must gather all state-specific requirements using the NMLS Renewal Checklist Compiler and the Renewal Deadlines, Requirements, and Fees Chart.\n\nThe steps and documentation required to renew your license vary by state. Before beginning the renewal process, you must review and collect all required information and verify that you meet each state’s requirements.\n\nYou can use the Annual Renewal Checklist to generate a customized checklist of all items required for renewal in each state where you are licensed. This checklist will identify submission steps, documentation requirements, and whether any agency-specific actions are required outside of NMLS.\n\nIn addition, refer to the Renewal Deadlines, Requirements, and Fees Chart to confirm the key dates and fees associated with each renewal. You can filter the chart to display only individual licenses and select the states in which you are licensed to see tailored results.\n\nReview both tools carefully to ensure you have completed all prerequisite items prior to submitting your renewal request. Failure to meet even one requirement may delay or prevent your license from being renewed.\n\nSee the following topics for more information:\n\n-   Using the Renewal Deadlines, Requirements, and Fees Chart\n-   Using the Annual Renewal Checklist Compiler\n\n-   **Using the Renewal Deadlines, Requirements, and Fees Chart**  \nThis task explains how to access and interpret the Renewal Deadlines, Requirements, and Fees Chart to review key state-by-state requirements for license renewal.\n-   **Using the Annual Renewal Checklist Compiler**  \nThis task explains how to use the Annual Renewal Checklist Compiler to view and download checklists for state-specific license renewals.\n-   **Licenses Bypassing Renewal**  \nSome licenses may be excluded from the annual renewal process in NMLS depending on how recently they were issued or transitioned into the system.\n\n**Parent topic:**Pr",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_renewgatheringRenewalRequirements_2.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_renewgatheringRenewalRequirements_2.md",
      "headings": [
        "Gathering Renewal Requirements {#licInd_mu4_renewgatheringRenewalRequirements .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4_renewgatheringRenewalRequirements_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4_renewgatheringRenewalRequirements_2.md:chunk-1",
      "title": "Gathering Renewal Requirements {#licInd_mu4_renewgatheringRenewalRequirements .concept}",
      "content": " **Licenses Bypassing Renewal**  \nSome licenses may be excluded from the annual renewal process in NMLS depending on how recently they were issued or transitioned into the system.\n\n**Parent topic:**Preparing for NMLS Annual Renewal for Individuals",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_renewgatheringRenewalRequirements_2.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_renewgatheringRenewalRequirements_2.md",
      "headings": [
        "Gathering Renewal Requirements {#licInd_mu4_renewgatheringRenewalRequirements .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4_renewgatheringRenewalRequirements_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4_renewitemsThatCanPreventRenewalEligibility.md:chunk-0",
      "title": "Items That Can Prevent Renewal Eligibility {#licInd_mu4_renewitemsThatCanPreventRenewalEligibility .concept}",
      "content": "# Items That Can Prevent Renewal Eligibility \n\nCertain conditions can block your ability to submit a renewal request in NMLS, including agency-imposed flags or outstanding fees.\n\nBefore you can submit a renewal request, NMLS checks whether any conditions exist that make you ineligible to renew. These conditions can be applied either by the system or by a state agency.\n\nThe following issues can prevent renewal eligibility:\n\n-   **Prevent Renewal Flag:** A state agency can apply this flag to your record, which blocks you from submitting a renewal request for that state.\n-   **Outstanding Agency Fee Invoice \\(AFI\\):** If you owe any unpaid fees directly to a state agency, you may be barred from submitting your renewal until the invoice is paid and resolved.\n-   **Unmet Continuing Education \\(CE\\) Requirements:** If your CE has not been completed or posted, your record may show ineligible status.\n-   **Missing Criminal Background Check \\(CBC\\):** If your CBC is required but not completed or expired, your eligibility may be impacted.\n\nYou can monitor your eligibility and address issues by clicking **View Complete Record Information** in NMLS Connect. Reach out to your state agency if a Prevent Renewal Flag or AFI appears unexpectedly in your record.\n\n**Parent topic:**Preparing for NMLS Annual Renewal for Individuals",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_renewitemsThatCanPreventRenewalEligibility.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_renewitemsThatCanPreventRenewalEligibility.md",
      "headings": [
        "Items That Can Prevent Renewal Eligibility {#licInd_mu4_renewitemsThatCanPreventRenewalEligibility .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4_renewitemsThatCanPreventRenewalEligibility.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4_renewlicenseStatusVsRenewalStatus.md:chunk-0",
      "title": "License Status vs. Renewal Status {#licInd_mu4_renewlicenseStatusVsRenewalStatus .concept}",
      "content": "# License Status vs. Renewal Status \n\nUnderstanding the difference between license status and renewal status in NMLS can help you interpret your Composite View correctly during the renewal process.\n\nIn NMLS, your **license status** and your **renewal status** are separate fields that reflect different stages of your licensing activity. It is important to understand the distinction between the two to avoid confusion during the renewal period.\n\n**License Status** indicates the current standing of your license with the state agency. Common license statuses include:\n\n-   **Approved:** The license is active and in good standing.\n-   **Terminated:** The license has been officially ended by the agency or by the licensee.\n-   **Revoked, Expired, or Surrendered:** The license is no longer valid due to administrative or voluntary action.\n\n**Renewal Status** reflects whether a renewal request has been submitted and processed during the annual renewal period. Common renewal statuses include:\n\n-   **Renewal Requested:** The licensee has submitted a renewal request.\n-   **Approved:** The agency has accepted the renewal request and approved continued licensure.\n-   **Ineligible:** The license is blocked from being renewed due to unmet conditions.\n-   **No Request:** No renewal request has been submitted for the current period.\n\nThese two statuses may temporarily appear inconsistent. For example, your license may still show as “Approved” while your renewal status shows “No Request” if you have not yet begun the renewal process. Be sure to review both when checking your status in Composite View.\n\n**See Also:**  \n\nLicense Status Definitions",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_renewlicenseStatusVsRenewalStatus.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_renewlicenseStatusVsRenewalStatus.md",
      "headings": [
        "License Status vs. Renewal Status {#licInd_mu4_renewlicenseStatusVsRenewalStatus .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4_renewlicenseStatusVsRenewalStatus.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4_renewlicensesBypassingRenewal.md:chunk-0",
      "title": "Licenses Bypassing Renewal {#licInd_mu4_renewlicensesBypassingRenewal .concept}",
      "content": "# Licenses Bypassing Renewal \n\nSome licenses may be excluded from the annual renewal process in NMLS depending on how recently they were issued or transitioned into the system.\n\nEach year, a small number of licenses are excluded from participating in the annual NMLS renewal process. These licenses are marked by state agencies as “Bypassing Renewal” and are not eligible for submission during the regular renewal window.\n\nThis typically includes licenses that were recently transitioned into NMLS or issued late in the year. Agencies may also choose to exclude specific license types from renewal based on internal policies or structural changes.\n\nBypassing status is determined by each agency individually and may change from year to year. Licensees should consult the renewal requirements for each state in which they are licensed to determine whether any of their licenses are excluded from renewal.\n\nIf a license is marked as bypassing renewal, no action is required in NMLS during the renewal window for that license. It will remain in its current status unless otherwise instructed by the agency.\n\n**Parent topic:**Gathering Renewal Requirements",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_renewlicensesBypassingRenewal.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_renewlicensesBypassingRenewal.md",
      "headings": [
        "Licenses Bypassing Renewal {#licInd_mu4_renewlicensesBypassingRenewal .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4_renewlicensesBypassingRenewal.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4_renewlicensesBypassingRenewal_2.md:chunk-0",
      "title": "Licenses Bypassing Renewal {#licInd_mu4_renewlicensesBypassingRenewal .concept}",
      "content": "# Licenses Bypassing Renewal \n\nSome licenses may be excluded from the annual renewal process in NMLS depending on how recently they were issued or transitioned into the system.\n\nEach year, a small number of licenses are excluded from participating in the annual NMLS renewal process. These licenses are marked by state agencies as “Bypassing Renewal” and are not eligible for submission during the regular renewal window.\n\nThis typically includes licenses that were recently transitioned into NMLS or issued late in the year. Agencies may also choose to exclude specific license types from renewal based on internal policies or structural changes.\n\nBypassing status is determined by each agency individually and may change from year to year. Licensees should consult the renewal requirements for each state in which they are licensed to determine whether any of their licenses are excluded from renewal.\n\nIf a license is marked as bypassing renewal, no action is required in NMLS during the renewal window for that license. It will remain in its current status unless otherwise instructed by the agency.\n\n**Parent topic:**Gathering Renewal Requirements",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_renewlicensesBypassingRenewal_2.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_renewlicensesBypassingRenewal_2.md",
      "headings": [
        "Licenses Bypassing Renewal {#licInd_mu4_renewlicensesBypassingRenewal .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4_renewlicensesBypassingRenewal_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4_renewnmlsAnnualReinstatementPeriod.md:chunk-0",
      "title": "NMLS Annual Reinstatement Period {#licInd_mu4_renewnmlsAnnualReinstatementPeriod .concept}",
      "content": "# NMLS Annual Reinstatement Period \n\nThe NMLS Reinstatement Period runs from January 1 through the end of February and provides a second opportunity to submit a renewal request if the initial deadline was missed.\n\nIf you fail to complete the standard license renewal process between November 1 and December 31, you may still be eligible to submit a renewal request during the Reinstatement Period.\n\nThe Reinstatement Period begins on January 1 and ends on the last day of February. During this time, NMLS remains open to receive late renewal submissions for licenses in participating states.\n\nReinstatement requests are similar to standard renewal requests but may include additional state-specific late fees or requirements. Some state agencies may not participate in reinstatement or may impose strict review criteria for reinstatement eligibility.\n\nIf a reinstatement request is submitted, the state agency will review it and determine whether to approve or deny the request. If denied, the license remains terminated and must be reapplied for as a new license.\n\n**Parent topic:**NMLS Annual Renewal Overview for Individuals",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_renewnmlsAnnualReinstatementPeriod.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_renewnmlsAnnualReinstatementPeriod.md",
      "headings": [
        "NMLS Annual Reinstatement Period {#licInd_mu4_renewnmlsAnnualReinstatementPeriod .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4_renewnmlsAnnualReinstatementPeriod.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4_renewnmlsAnnualRenewalFees.md:chunk-0",
      "title": "NMLS Annual Renewal Fees {#licInd_mu4_renewnmlsAnnualRenewalFees .concept}",
      "content": "# NMLS Annual Renewal Fees \n\nNMLS annual license renewal involves a set of standard processing fees, along with state-specific fees that vary by agency.\n\nThe table below lists common NMLS-related fees associated with individual license renewal. Additional fees may apply depending on the requirements of each state agency.\n\n|Fee Type|Amount|\n|--------|------|\n|NMLS Processing Fee|$35|\n|Criminal Background Check|$36.25|\n|Credit Report|$15|\n|State-Specific Fees|Varies by state; may be paid through or outside of NMLS|\n\nBe sure to consult each state's renewal checklist to confirm applicable fees for your license\\(s\\).\n\n**Parent topic:**NMLS Annual Renewal Overview for Individuals\n\n**NMLS Reference Guide**  \n\nNMLS Processing Fees\n\nCorrecting Failed Payments\n\nNMLS Payment Options\n\n**NMLS Resource Center**  \n\nState Licensing Checklist Compiler\n\nState Renewals Checklist Compiler\n\nNMLS Resource Center Home\n\nNMLS Call Center",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_renewnmlsAnnualRenewalFees.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_renewnmlsAnnualRenewalFees.md",
      "headings": [
        "NMLS Annual Renewal Fees {#licInd_mu4_renewnmlsAnnualRenewalFees .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4_renewnmlsAnnualRenewalFees.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4_renewnmlsAnnualRenewalOverviewForIndividuals.md:chunk-0",
      "title": "NMLS Annual Renewal Overview for Individuals {#licInd_mu4_renewnmlsAnnualRenewalOverviewForIndividuals .concept}",
      "content": "# NMLS Annual Renewal Overview for Individuals \n\nNMLS provides a renewal window each year from November 1 to December 31 during which individuals may submit renewal requests for their state licenses.\n\nEach year, individuals and companies licensed through NMLS must complete the renewal process between November 1 and December 31. During this window, NMLS provides functionality for individuals to:\n\n-   Submit renewal requests for one or more licenses\n-   Complete attestation\n-   Pay applicable renewal fees\n\nState regulators use NMLS to review submitted renewal requests. Based on the information in the request and the individual's compliance with continuing education and background check requirements, the regulator may approve or reject the renewal.\n\nIndividuals are responsible for ensuring their record is accurate, all requirements are fulfilled, and renewal is submitted before the deadline to avoid delays, additional fees, or license termination.\n\nSee the following topics for more information:\n\n-   NMLS Annual Renewal Fees\n-   Renewable License Statuses\n-   Failing to Renew Your License\n-   NMLS Annual Reinstatement Period\n\n-   **NMLS Annual Renewal Fees**  \nNMLS annual license renewal involves a set of standard processing fees, along with state-specific fees that vary by agency.\n-   **Renewable License Statuses**  \nOnly licenses in certain statuses are eligible for renewal in NMLS. If your license is not in one of these statuses, you will not be able to submit a renewal request.\n-   **Failing to Renew Your License**  \nIf you do not complete the renewal process by the deadline, your license may be terminated or marked ineligible, and you may be required to reinstate it if permitted by the state agency.\n-   **NMLS Annual Reinstatement Period**  \nThe NMLS Reinstatement Period runs from January 1 through the end of February and provides a second opportunity to submit a renewal request if the initial deadline was missed.\n\n**Parent topic:**Renewing Individual Licenses or R",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_renewnmlsAnnualRenewalOverviewForIndividuals.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_renewnmlsAnnualRenewalOverviewForIndividuals.md",
      "headings": [
        "NMLS Annual Renewal Overview for Individuals {#licInd_mu4_renewnmlsAnnualRenewalOverviewForIndividuals .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4_renewnmlsAnnualRenewalOverviewForIndividuals.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4_renewnmlsAnnualRenewalOverviewForIndividuals.md:chunk-1",
      "title": "NMLS Annual Renewal Overview for Individuals {#licInd_mu4_renewnmlsAnnualRenewalOverviewForIndividuals .concept}",
      "content": "od runs from January 1 through the end of February and provides a second opportunity to submit a renewal request if the initial deadline was missed.\n\n**Parent topic:**Renewing Individual Licenses or Registrations",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_renewnmlsAnnualRenewalOverviewForIndividuals.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_renewnmlsAnnualRenewalOverviewForIndividuals.md",
      "headings": [
        "NMLS Annual Renewal Overview for Individuals {#licInd_mu4_renewnmlsAnnualRenewalOverviewForIndividuals .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4_renewnmlsAnnualRenewalOverviewForIndividuals.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4_renewpreparingForNmlsAnnualRenewalForIndividuals.md:chunk-0",
      "title": "Preparing for NMLS Annual Renewal for Individuals {#licInd_mu4_renewpreparingForNmlsAnnualRenewalForIndividuals .concept}",
      "content": "# Preparing for NMLS Annual Renewal for Individuals \n\nProper preparation helps ensure your license renewal request is submitted accurately and on time. Begin reviewing and verifying your record before the November 1 opening of the renewal period.\n\nBefore the renewal window opens on November 1, review your record in NMLS and take steps to ensure that all information is accurate and complete. This can help you avoid delays or problems during the renewal process.\n\nKey actions to take in advance:\n\n-   Log in to NMLS and confirm your personal, employment, and contact information is accurate\n-   Verify that your Continuing Education \\(CE\\) requirements have been completed and posted\n-   Check the status of your Criminal Background Check \\(CBC\\) to ensure no re-submission is required\n-   Confirm there are no outstanding Agency Fee Invoices \\(AFIs\\) or other items that may block renewal\n-   Check your Individual Dashboard for system notifications or outstanding tasks\n\nTaking these steps before the renewal window opens allows time to correct issues and prevents potential disruptions to your license status.\n\nSee the following topics for more information:\n\n-   Confirming Your Record Is Up to Date\n-   Reviewing License Status Eligibility\n-   Items That Can Prevent Renewal Eligibility\n-   Removing License Items During Renewal\n-   Completing Continuing Education for Renewal\n-   Gathering Renewal Requirements\n-   Checking Criminal Background Check Status During Renewal\n-   Working With Your Employer for License or Registration Renewal\n\n-   **Confirming Your Record Is Up to Date**  \nBefore submitting a renewal request, individuals should review their record in NMLS to ensure that all personal and license-related information is current and accurate.\n-   **Reviewing License Status Eligibility**  \nThis task explains how to determine whether your license is eligible for renewal based on its current status in NMLS.\n-   **Items That Can Prevent Renewal Eligibility**  \nCertain conditions ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_renewpreparingForNmlsAnnualRenewalForIndividuals.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_renewpreparingForNmlsAnnualRenewalForIndividuals.md",
      "headings": [
        "Preparing for NMLS Annual Renewal for Individuals {#licInd_mu4_renewpreparingForNmlsAnnualRenewalForIndividuals .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4_renewpreparingForNmlsAnnualRenewalForIndividuals.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4_renewpreparingForNmlsAnnualRenewalForIndividuals.md:chunk-1",
      "title": "Preparing for NMLS Annual Renewal for Individuals {#licInd_mu4_renewpreparingForNmlsAnnualRenewalForIndividuals .concept}",
      "content": "ility**  \nThis task explains how to determine whether your license is eligible for renewal based on its current status in NMLS.\n-   **Items That Can Prevent Renewal Eligibility**  \nCertain conditions can block your ability to submit a renewal request in NMLS, including agency-imposed flags or outstanding fees.\n-   **Removing License Items During Renewal**  \nLicense items such as deficiencies or conditions must be resolved before a license can be renewed. You can address these items by responding directly or by filing an amendment.\n-   **Completing Continuing Education for Renewal**  \nTo be eligible for license renewal, you must complete the required Continuing Education \\(CE\\) and ensure that course completion is posted to your NMLS record.\n-   **Gathering Renewal Requirements**  \nBefore you can renew your license, you must gather all state-specific requirements using the NMLS Renewal Checklist Compiler and the Renewal Deadlines, Requirements, and Fees Chart.\n-   **Checking Criminal Background Check Status During Renewal**  \nCheck the status of your Criminal Background Check \\(CBC\\) to ensure it has been completed and results have been received by NMLS as part of your renewal process.\n\n**Parent topic:**Renewing Individual Licenses or Registrations",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_renewpreparingForNmlsAnnualRenewalForIndividuals.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_renewpreparingForNmlsAnnualRenewalForIndividuals.md",
      "headings": [
        "Preparing for NMLS Annual Renewal for Individuals {#licInd_mu4_renewpreparingForNmlsAnnualRenewalForIndividuals .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4_renewpreparingForNmlsAnnualRenewalForIndividuals.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4_renewrecallingALicenseMarkedDoNotRenew.md:chunk-0",
      "title": "Recalling a License Marked Do Not Renew {#licInd_mu4_renewrecallingALicenseMarkedDoNotRenew .task}",
      "content": "# Recalling a License Marked Do Not Renew \n\nIf you previously selected \"Do Not Renew\" for a license, you can recall that selection and submit a renewal request during the open renewal window.\n\nIf you previously marked a license as \"Do Not Renew\" but later decide to renew it, you may reverse the selection and proceed with attestation and payment. This option is only available during the November 1 – December 31 renewal period.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Navigate to the Renewals Tab page in NMLS Classic:\n\n    -   Select **Renewal Home** in the Quick Links section.\n    -   Select the **Renew** link next to the relevant license in the My Licenses section.\n\n        \n\n    The Renewals Tab in NMLS Classic is displayed.\n\n4.  Click the **Recall List** link in the left navigation panel.\n\n5.  Select the licenses you want to recall.\n\n6.  Click the **Apply Selections** button.\n\nThe Recall List screen will refresh and the selected items will be moved to the Renewal Selection List. The regulator will also receive a notification that the Do Not Renew action has been recalled.\n\n**Parent topic:**Choosing Do Not Renew for Your License",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_renewrecallingALicenseMarkedDoNotRenew.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_renewrecallingALicenseMarkedDoNotRenew.md",
      "headings": [
        "Recalling a License Marked Do Not Renew {#licInd_mu4_renewrecallingALicenseMarkedDoNotRenew .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4_renewrecallingALicenseMarkedDoNotRenew.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4_renewreinstatingIndividualLicensesOrRegistrations.md:chunk-0",
      "title": "Reinstating Individual Licenses or Registrations {#licInd_mu4_renewreinstatingIndividualLicensesOrRegistrations .task}",
      "content": "# Reinstating Individual Licenses or Registrations \n\nIf you missed the renewal deadline, you may be able to reinstate your license during the January–February Reinstatement Period in NMLS.\n\nIf you did not submit a renewal request by December 31, you may still reinstate your license between January 1 and the end of February if the state agency allows reinstatement. The reinstatement process is similar to renewal and may include additional fees or stricter review by the agency.\n\nRefer to the resources in Gathering Renewal Requirements to see if your license is eligible for reinstatement.\n\nFollow the steps in Requesting NMLS Annual Renewal for Individuals to reinstate your license.\n\n**Parent topic:**Renewing Individual Licenses or Registrations",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_renewreinstatingIndividualLicensesOrRegistrations.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_renewreinstatingIndividualLicensesOrRegistrations.md",
      "headings": [
        "Reinstating Individual Licenses or Registrations {#licInd_mu4_renewreinstatingIndividualLicensesOrRegistrations .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4_renewreinstatingIndividualLicensesOrRegistrations.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4_renewremovingLicenseItems.md:chunk-0",
      "title": "Removing License Items During Renewal {#licInd_mu4_renewremovingLicenseItems .task}",
      "content": "# Removing License Items During Renewal \n\nLicense items such as deficiencies or conditions must be resolved before a license can be renewed. You can address these items by responding directly or by filing an amendment.\n\nIf there are license items, such as deficiencies, missing documents, or unresolved questions, on your record, you may be prevented from submitting a renewal request. To remove license items, you must either file an amendment or provide the requested information or documentation directly in NMLS.\n\nSee Responding to License Items for Individuals for more information.\n\n**Parent topic:**Preparing for NMLS Annual Renewal for Individuals",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_renewremovingLicenseItems.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_renewremovingLicenseItems.md",
      "headings": [
        "Removing License Items During Renewal {#licInd_mu4_renewremovingLicenseItems .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4_renewremovingLicenseItems.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4_renewrenewableLicenseStatuses.md:chunk-0",
      "title": "Renewable License Statuses {#licInd_mu4_renewrenewableLicenseStatuses .concept}",
      "content": "# Renewable License Statuses \n\nOnly licenses in certain statuses are eligible for renewal in NMLS. If your license is not in one of these statuses, you will not be able to submit a renewal request.\n\nTo be eligible for renewal, your license must be in one of the statuses listed below as of November 1 when the renewal window opens.\n\n-   Approved\n-   Approved - Conditional\n-   Approved - Deficient\n-   Approved - Failed to Renew\n-   Approved - Inactive\n-   Approved - On Appeal\n-   Approved - Surrender/Cancellation Requested\n-   Revoked - On Appeal\n-   Suspended\n-   Suspended - On Appeal\n-   Terminated - Failed to Renew\n\nIf your license is in a status not listed above, you may need to work with the state agency to resolve issues before renewing.\n\nSee License Status Definitions for an explanation of all license statuses above.\n\n**Parent topic:**NMLS Annual Renewal Overview for Individuals",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_renewrenewableLicenseStatuses.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_renewrenewableLicenseStatuses.md",
      "headings": [
        "Renewable License Statuses {#licInd_mu4_renewrenewableLicenseStatuses .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4_renewrenewableLicenseStatuses.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4_renewrenewingIndividualLicensesOrRegistrations.md:chunk-0",
      "title": "Renewing Individual Licenses or Registrations {#licInd_mu4_renewrenewingIndividualLicensesOrRegistrations .concept}",
      "content": "# Renewing Individual Licenses or Registrations \n\nRenewal is the annual process of verifying, updating, and affirming your license information in NMLS to maintain your active status for the next calendar year.\n\nState-licensed individuals must renew their licenses in NMLS between November 1 and December 31 each year. This ensures their licenses remain active for the upcoming year.\n\nSee the Renewal for Individuals self-paced e-learning course for a step-by-step walkthrough of the entire renewal process in NMLS.\n\nRenewing a license involves:\n\n-   Reviewing and verifying the accuracy of your information in NMLS\n-   Completing Continuing Education \\(CE\\) requirements as required by the state\n-   Confirming that your Criminal Background Check \\(CBC\\) and credit report are up to date\n-   Completing the required attestation for each license\n-   Paying applicable renewal fees and any outstanding invoices\n\nYou may only renew licenses that are in a renewable status. If any license items or deficiencies exist on your record, they may need to be resolved prior to renewal.\n\nFailure to complete all steps before the deadline may result in a license status change or the need to request reinstatement in January.\n\nSee the following topics for more information:\n\n-   Preparing for NMLS Annual Renewal for Individuals\n-   Requesting NMLS Annual Renewal for Individuals\n-   Troubleshooting Common Issues with NMLS Annual Renewal\n\n-   **NMLS Annual Renewal Overview for Individuals**  \nNMLS provides a renewal window each year from November 1 to December 31 during which individuals may submit renewal requests for their state licenses.\n-   **Preparing for NMLS Annual Renewal for Individuals**  \nProper preparation helps ensure your license renewal request is submitted accurately and on time. Begin reviewing and verifying your record before the November 1 opening of the renewal period.\n-   **Requesting NMLS Annual Renewal for Individuals**  \nThis task explains how to submit a renewal request for y",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_renewrenewingIndividualLicensesOrRegistrations.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_renewrenewingIndividualLicensesOrRegistrations.md",
      "headings": [
        "Renewing Individual Licenses or Registrations {#licInd_mu4_renewrenewingIndividualLicensesOrRegistrations .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4_renewrenewingIndividualLicensesOrRegistrations.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4_renewrenewingIndividualLicensesOrRegistrations.md:chunk-1",
      "title": "Renewing Individual Licenses or Registrations {#licInd_mu4_renewrenewingIndividualLicensesOrRegistrations .concept}",
      "content": "viewing and verifying your record before the November 1 opening of the renewal period.\n-   **Requesting NMLS Annual Renewal for Individuals**  \nThis task explains how to submit a renewal request for your individual licenses or registrations during the NMLS renewal period.\n-   **Troubleshooting Common Issues with NMLS Annual Renewal**  \nThis topic outlines common issues that may prevent successful license renewal in NMLS and offers guidance on how to resolve them.\n-   **Choosing Do Not Renew for Your License**  \nIf you do not intend to renew a particular license during the annual renewal period, you must select the Do Not Renew option in NMLS to notify the relevant agency.\n-   **Reinstating Individual Licenses or Registrations**  \nIf you missed the renewal deadline, you may be able to reinstate your license during the January–February Reinstatement Period in NMLS.\n-   **Determining Renewal Status Using Composite View**  \nYou can use the Composite View tab in NMLS to monitor the status of your license renewal requests.\n\n**NMLS Help**  \n\nAccount Administration\n\nChoosing Your Account Adminitstrators\n\nNMLS Two-Factor Authentication\n\nRequest an Individual Account\n\nNMLS Account Recovery\n\nManaging NMLS User Profiles\n\n**NMLS Resource Center**  \n\nNMLS Resource Center Home\n\nNMLS Call Center\n\n**See Also:**  \n\nState-Specific Education Requirements \\(PE and CE\\)\n\nNMLS Approved Course Provider List\n\nEducation Record\n\nEducation FAQ - Continuing Education \\(CE\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_renewrenewingIndividualLicensesOrRegistrations.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_renewrenewingIndividualLicensesOrRegistrations.md",
      "headings": [
        "Renewing Individual Licenses or Registrations {#licInd_mu4_renewrenewingIndividualLicensesOrRegistrations .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4_renewrenewingIndividualLicensesOrRegistrations.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4_renewrequestingNmlsAnnualRenewalForInddividualLicensesOrRegistrations.md:chunk-0",
      "title": "Requesting NMLS Annual Renewal for Individuals {#licInd_mu4_renewrequestingNmlsAnnualRenewalForInddividualLicensesOrRegistrations .task}",
      "content": "# Requesting NMLS Annual Renewal for Individuals \n\nThis task explains how to submit a renewal request for your individual licenses or registrations during the NMLS renewal period.\n\nFrom November 1 through December 31, individuals must request renewal of their licenses or registrations through NMLS. A renewal request must be submitted for each license the individual wants to maintain for the upcoming year.\n\nSee the following topics for detailed steps:\n\n-   Attesting to Annual Renewal Requests Submitted by Sponsoring Company\n-   Attesting and Paying for Your Own Annual Renewal Requests\n\n-   **Attesting to Annual Renewal Requests Submitted by Sponsoring Company**  \nExplains how state-licensed individuals attest to a renewal request submitted by their sponsoring company during the renewal period.\n-   **Attesting and Paying for Your Own Annual Renewal Requests**  \nIndividuals must attest to the accuracy of their information in NMLS as part of the license renewal process. This confirms their intent to renew licenses and ensures the renewal request is submitted to state agencies.\n\n**Parent topic:**Renewing Individual Licenses or Registrations",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_renewrequestingNmlsAnnualRenewalForInddividualLicensesOrRegistrations.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_renewrequestingNmlsAnnualRenewalForInddividualLicensesOrRegistrations.md",
      "headings": [
        "Requesting NMLS Annual Renewal for Individuals {#licInd_mu4_renewrequestingNmlsAnnualRenewalForInddividualLicensesOrRegistrations .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4_renewrequestingNmlsAnnualRenewalForInddividualLicensesOrRegistrations.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4_renewresolvingAnUnverifiedIdentityVerificationStatus.md:chunk-0",
      "title": "Resolving an Unverified Identity Verification Status for Individuals {#licInd_mu4_renewresolvingAnUnverifiedIdentityVerificationStatus .task}",
      "content": "# Resolving an Unverified Identity Verification Status for Individuals \n\nIf your identity verification status in NMLS is listed as Unverified, you must resolve it before proceeding with renewal.\n\nSome state agencies may require a Credit report as part of Renewal. As an effort to reduce errors associated with processing renewals carts, an enhancement was made to check an individual's Identity Verification \\(IDV\\) status prior to the individual requesting or attesting for renewal. An individual will not be allowed to submit or attest to a license that requires a credit report for renewals when their IDV status is unverified.\n\nUse the links in the error messages to verify your identity prior to submitting renewal requests for licenses requiring a credit report.\n\n**Parent topic:**Troubleshooting Common Issues with NMLS Annual Renewal",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_renewresolvingAnUnverifiedIdentityVerificationStatus.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_renewresolvingAnUnverifiedIdentityVerificationStatus.md",
      "headings": [
        "Resolving an Unverified Identity Verification Status for Individuals {#licInd_mu4_renewresolvingAnUnverifiedIdentityVerificationStatus .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4_renewresolvingAnUnverifiedIdentityVerificationStatus.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4_renewresolvingAnUnverifiedIdentityVerificationStatus_2.md:chunk-0",
      "title": "Resolving an Unverified Identity Verification Status for Individuals {#licInd_mu4_renewresolvingAnUnverifiedIdentityVerificationStatus .task}",
      "content": "# Resolving an Unverified Identity Verification Status for Individuals \n\nIf your identity verification status in NMLS is listed as Unverified, you must resolve it before proceeding with renewal.\n\nSome state agencies may require a Credit report as part of Renewal. As an effort to reduce errors associated with processing renewals carts, an enhancement was made to check an individual's Identity Verification \\(IDV\\) status prior to the individual requesting or attesting for renewal. An individual will not be allowed to submit or attest to a license that requires a credit report for renewals when their IDV status is unverified.\n\nUse the links in the error messages to verify your identity prior to submitting renewal requests for licenses requiring a credit report.\n\n**Parent topic:**Troubleshooting Common Issues with NMLS Annual Renewal",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_renewresolvingAnUnverifiedIdentityVerificationStatus_2.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_renewresolvingAnUnverifiedIdentityVerificationStatus_2.md",
      "headings": [
        "Resolving an Unverified Identity Verification Status for Individuals {#licInd_mu4_renewresolvingAnUnverifiedIdentityVerificationStatus .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4_renewresolvingAnUnverifiedIdentityVerificationStatus_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4_renewresolvingCbcFingerprintExceptions.md:chunk-0",
      "title": "Resolving CBC Fingerprint Exceptions for Individuals {#licInd_mu4_renewresolvingCbcFingerprintExceptions .task}",
      "content": "# Resolving CBC Fingerprint Exceptions for Individuals \n\nThis topic explains how to resolve fingerprint-related exceptions that may prevent a Criminal Background Check \\(CBC\\) from being processed in NMLS.\n\nThis quick guide is designed only for those individuals required to request a Criminal Background Check \\(CBC\\) with a renewal request and receive the following exception message: `The associated individual record either does not have prints on file, or existing prints have expired. Prior to requesting renewal for this license, new prints must be obtained and submitted through NMLS…`\n\n-   Take the appropriate action based on the exception type:\n\n    1.  `Fingerprints Expired`: Complete the CBC process via the Individual MU4 Form. See Completing the Criminal Background Check Process for more information.\n\n    2.  `Name Check Required`: Complete the CBC process via the Individual MU4 Form. See Completing the Criminal Background Check Process for more information.\n\n    3.  `Fingerprints Need to Be Taken`: Schedule a fingerprinting appointment. See Scheduling Your Fingerprinting Appointment for more information.\n\n**Parent topic:**Troubleshooting Common Issues with NMLS Annual Renewal",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_renewresolvingCbcFingerprintExceptions.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_renewresolvingCbcFingerprintExceptions.md",
      "headings": [
        "Resolving CBC Fingerprint Exceptions for Individuals {#licInd_mu4_renewresolvingCbcFingerprintExceptions .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4_renewresolvingCbcFingerprintExceptions.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4_renewresolvingCbcFingerprintExceptions_2.md:chunk-0",
      "title": "Resolving CBC Fingerprint Exceptions for Individuals {#licInd_mu4_renewresolvingCbcFingerprintExceptions .task}",
      "content": "# Resolving CBC Fingerprint Exceptions for Individuals \n\nThis topic explains how to resolve fingerprint-related exceptions that may prevent a Criminal Background Check \\(CBC\\) from being processed in NMLS.\n\nThis quick guide is designed only for those individuals required to request a Criminal Background Check \\(CBC\\) with a renewal request and receive the following exception message: `The associated individual record either does not have prints on file, or existing prints have expired. Prior to requesting renewal for this license, new prints must be obtained and submitted through NMLS…`\n\n-   Take the appropriate action based on the exception type:\n\n    1.  `Fingerprints Expired`: Complete the CBC process via the Individual MU4 Form. See Completing the Criminal Background Check Process for more information.\n\n    2.  `Name Check Required`: Complete the CBC process via the Individual MU4 Form. See Completing the Criminal Background Check Process for more information.\n\n    3.  `Fingerprints Need to Be Taken`: Schedule a fingerprinting appointment. See Scheduling Your Fingerprinting Appointment for more information.\n\n**Parent topic:**Troubleshooting Common Issues with NMLS Annual Renewal",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_renewresolvingCbcFingerprintExceptions_2.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_renewresolvingCbcFingerprintExceptions_2.md",
      "headings": [
        "Resolving CBC Fingerprint Exceptions for Individuals {#licInd_mu4_renewresolvingCbcFingerprintExceptions .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4_renewresolvingCbcFingerprintExceptions_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4_renewreviewingLicenseStatusEligibility.md:chunk-0",
      "title": "Reviewing License Status Eligibility {#licInd_mu4_renewreviewingLicenseStatusEligibility .task}",
      "content": "# Reviewing License Status Eligibility \n\nThis task explains how to determine whether your license is eligible for renewal based on its current status in NMLS.\n\nTo confirm whether you can renew your license, you must check its current status in NMLS. See Renewable License Statuses for more information.\n\nSee Viewing Your MU4 Filing Status in NMLS Connect for steps on viewing your license status in NMLS.\n\n**Parent topic:**Preparing for NMLS Annual Renewal for Individuals",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_renewreviewingLicenseStatusEligibility.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_renewreviewingLicenseStatusEligibility.md",
      "headings": [
        "Reviewing License Status Eligibility {#licInd_mu4_renewreviewingLicenseStatusEligibility .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4_renewreviewingLicenseStatusEligibility.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4_renewtroubleshootingCommonIssuesWithNmlsAnnualRenewal.md:chunk-0",
      "title": "Troubleshooting Common Issues with NMLS Annual Renewal {#licInd_mu4_renewtroubleshootingCommonIssuesWithNmlsAnnualRenewal .concept}",
      "content": "# Troubleshooting Common Issues with NMLS Annual Renewal \n\nThis topic outlines common issues that may prevent successful license renewal in NMLS and offers guidance on how to resolve them.\n\nDuring the NMLS annual renewal period, users may encounter a variety of system or eligibility issues that prevent them from submitting or completing their renewal request. This topic provides an overview of those issues and how to resolve them.\n\nCommon issues include:\n\n-   **Ineligible license status:** Only licenses in an eligible status can be renewed.\n-   **Continuing Education \\(CE\\) not completed:** Required CE courses must be completed and reported in NMLS to be eligible for renewal.\n-   **Outstanding agency fees:** Any outstanding Agency Fee Invoices \\(AFIs\\) must be paid to clear renewal blocks.\n-   **Prevent Renewal Flag:** Agencies may place a flag on your license that blocks renewal due to compliance issues. Contact the relevant agency to resolve.\n-   **Unverified Identity Verification status:** You may need to resubmit credit authorization in the MU4. See Resolving an Unverified Identity Verification Status for Individuals.\n-   **Fingerprint issues:** If there is a CBC fingerprint exception, follow the steps in Resolving CBC Fingerprint Exceptions for Individuals.\n-   **`Do Not Renew` setting:** If a license has been marked as `Do Not Renew`, you must recall it.\n\nIf none of the above apply and issues persist, contact the NMLS Call Center for support.\n\n-   **Resolving CBC Fingerprint Exceptions for Individuals**  \nThis topic explains how to resolve fingerprint-related exceptions that may prevent a Criminal Background Check \\(CBC\\) from being processed in NMLS.\n-   **Resolving an Unverified Identity Verification Status for Individuals**  \nIf your identity verification status in NMLS is listed as Unverified, you must resolve it before proceeding with renewal.\n\n**Parent topic:**Renewing Company Licenses or Registrations",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_renewtroubleshootingCommonIssuesWithNmlsAnnualRenewal.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_renewtroubleshootingCommonIssuesWithNmlsAnnualRenewal.md",
      "headings": [
        "Troubleshooting Common Issues with NMLS Annual Renewal {#licInd_mu4_renewtroubleshootingCommonIssuesWithNmlsAnnualRenewal .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4_renewtroubleshootingCommonIssuesWithNmlsAnnualRenewal.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4_renewtroubleshootingCommonIssuesWithNmlsAnnualRenewal_2.md:chunk-0",
      "title": "Troubleshooting Common Issues with NMLS Annual Renewal {#licInd_mu4_renewtroubleshootingCommonIssuesWithNmlsAnnualRenewal .concept}",
      "content": "# Troubleshooting Common Issues with NMLS Annual Renewal \n\nThis topic outlines common issues that may prevent successful license renewal in NMLS and offers guidance on how to resolve them.\n\nDuring the NMLS annual renewal period, users may encounter a variety of system or eligibility issues that prevent them from submitting or completing their renewal request. This topic provides an overview of those issues and how to resolve them.\n\nCommon issues include:\n\n-   **Ineligible license status:** Only licenses in an eligible status can be renewed.\n-   **Continuing Education \\(CE\\) not completed:** Required CE courses must be completed and reported in NMLS to be eligible for renewal.\n-   **Outstanding agency fees:** Any outstanding Agency Fee Invoices \\(AFIs\\) must be paid to clear renewal blocks.\n-   **Prevent Renewal Flag:** Agencies may place a flag on your license that blocks renewal due to compliance issues. Contact the relevant agency to resolve.\n-   **Unverified Identity Verification status:** You may need to resubmit credit authorization in the MU4. See Resolving an Unverified Identity Verification Status for Individuals.\n-   **Fingerprint issues:** If there is a CBC fingerprint exception, follow the steps in Resolving CBC Fingerprint Exceptions for Individuals.\n-   **`Do Not Renew` setting:** If a license has been marked as `Do Not Renew`, you must recall it.\n\nIf none of the above apply and issues persist, contact the NMLS Call Center for support.\n\n-   **Resolving CBC Fingerprint Exceptions for Individuals**  \nThis topic explains how to resolve fingerprint-related exceptions that may prevent a Criminal Background Check \\(CBC\\) from being processed in NMLS.\n-   **Resolving an Unverified Identity Verification Status for Individuals**  \nIf your identity verification status in NMLS is listed as Unverified, you must resolve it before proceeding with renewal.\n\n**Parent topic:**Renewing Individual Licenses or Registrations",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_renewtroubleshootingCommonIssuesWithNmlsAnnualRenewal_2.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_renewtroubleshootingCommonIssuesWithNmlsAnnualRenewal_2.md",
      "headings": [
        "Troubleshooting Common Issues with NMLS Annual Renewal {#licInd_mu4_renewtroubleshootingCommonIssuesWithNmlsAnnualRenewal .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4_renewtroubleshootingCommonIssuesWithNmlsAnnualRenewal_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4_renewusingTheAnnualRenewalChecklistCompiler.md:chunk-0",
      "title": "Using the Annual Renewal Checklist Compiler {#licInd_mu4_renewusingTheAnnualRenewalChecklistCompiler .task}",
      "content": "# Using the Annual Renewal Checklist Compiler \n\nThis task explains how to use the Annual Renewal Checklist Compiler to view and download checklists for state-specific license renewals.\n\nThe Annual Renewal Checklist Compiler allows you to search for and download the appropriate license renewal checklists for the states in which you are licensed. Each checklist outlines specific documents or requirements that must be satisfied to complete your renewal.\n\n1.  Go to the Annual Renewal Checklist.\n\n2.  Select the relevant checklist type filter option \\(e.g., Individual or Company\\).\n\n3.  Use the **State** dropdown to select the state\\(s\\) where you are licensed.\n\n4.  Use the available filters to narrow results by License Type, Renewal Year, or Checklist Name if needed.\n\n5.  Click **Search** to display the matching checklist results.\n\n6.  Select the appropriate checklist\\(s\\) and click **Download PDF** to save a copy for your records.\n\n**Parent topic:**Gathering Renewal Requirements",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_renewusingTheAnnualRenewalChecklistCompiler.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_renewusingTheAnnualRenewalChecklistCompiler.md",
      "headings": [
        "Using the Annual Renewal Checklist Compiler {#licInd_mu4_renewusingTheAnnualRenewalChecklistCompiler .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4_renewusingTheAnnualRenewalChecklistCompiler.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4_renewusingTheAnnualRenewalChecklistCompiler_2.md:chunk-0",
      "title": "Using the Annual Renewal Checklist Compiler {#licInd_mu4_renewusingTheAnnualRenewalChecklistCompiler .task}",
      "content": "# Using the Annual Renewal Checklist Compiler \n\nThis task explains how to use the Annual Renewal Checklist Compiler to view and download checklists for state-specific license renewals.\n\nThe Annual Renewal Checklist Compiler allows you to search for and download the appropriate license renewal checklists for the states in which you are licensed. Each checklist outlines specific documents or requirements that must be satisfied to complete your renewal.\n\n1.  Go to the Annual Renewal Checklist.\n\n2.  Select the relevant checklist type filter option \\(e.g., Individual or Company\\).\n\n3.  Use the **State** dropdown to select the state\\(s\\) where you are licensed.\n\n4.  Use the available filters to narrow results by License Type, Renewal Year, or Checklist Name if needed.\n\n5.  Click **Search** to display the matching checklist results.\n\n6.  Select the appropriate checklist\\(s\\) and click **Download PDF** to save a copy for your records.\n\n**Parent topic:**Gathering Renewal Requirements",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_renewusingTheAnnualRenewalChecklistCompiler_2.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_renewusingTheAnnualRenewalChecklistCompiler_2.md",
      "headings": [
        "Using the Annual Renewal Checklist Compiler {#licInd_mu4_renewusingTheAnnualRenewalChecklistCompiler .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4_renewusingTheAnnualRenewalChecklistCompiler_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4_renewusingTheRenewalDeadlinesRequirementsAndFeesChart.md:chunk-0",
      "title": "Using the Renewal Deadlines, Requirements, and Fees Chart {#licInd_mu4_renewusingTheRenewalDeadlinesRequirementsAndFeesChart .task}",
      "content": "# Using the Renewal Deadlines, Requirements, and Fees Chart \n\nThis task explains how to access and interpret the Renewal Deadlines, Requirements, and Fees Chart to review key state-by-state requirements for license renewal.\n\nThe Renewal Deadlines, Requirements, and Fees Chart is an Excel spreadsheet that helps you find information for each state’s license renewal process, including deadlines, agency-specific documentation, reinstatement periods, and applicable fees.\n\n1.  Download and open the Renewal Deadlines, Requirements, and Fees Chart.\n\n2.  Click the relevant tab in the spreadsheet to ensure you are viewing licensee-specific data.\n\n3.  Use the **State** column to locate the state\\(s\\) in which you hold a license.\n\n4.  Review the corresponding rows for key details:\n\n    1.  **Renewal Period Dates**: The start and end dates for submission.\n\n    2.  **Reinstatement Period**: Timeframe to renew after missing the regular deadline.\n\n    3.  **Accepted Payment Methods**: Whether fees must be paid inside or outside NMLS.\n\n    4.  **Agency-Specific Requirements**: Any supplemental items required to complete renewal.\n\n5.  Use Excel filters \\(dropdown arrows in column headers\\) to narrow the chart to your relevant states or conditions.\n\n6.  Refer to this chart when preparing your renewal submissions to ensure you meet all applicable requirements and deadlines.\n\n**Parent topic:**Gathering Renewal Requirements",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_renewusingTheRenewalDeadlinesRequirementsAndFeesChart.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_renewusingTheRenewalDeadlinesRequirementsAndFeesChart.md",
      "headings": [
        "Using the Renewal Deadlines, Requirements, and Fees Chart {#licInd_mu4_renewusingTheRenewalDeadlinesRequirementsAndFeesChart .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4_renewusingTheRenewalDeadlinesRequirementsAndFeesChart.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4_renewusingTheRenewalDeadlinesRequirementsAndFeesChart_2.md:chunk-0",
      "title": "Using the Renewal Deadlines, Requirements, and Fees Chart {#licInd_mu4_renewusingTheRenewalDeadlinesRequirementsAndFeesChart .task}",
      "content": "# Using the Renewal Deadlines, Requirements, and Fees Chart \n\nThis task explains how to access and interpret the Renewal Deadlines, Requirements, and Fees Chart to review key state-by-state requirements for license renewal.\n\nThe Renewal Deadlines, Requirements, and Fees Chart is an Excel spreadsheet that helps you find information for each state’s license renewal process, including deadlines, agency-specific documentation, reinstatement periods, and applicable fees.\n\n1.  Download and open the Renewal Deadlines, Requirements, and Fees Chart.\n\n2.  Click the relevant tab in the spreadsheet to ensure you are viewing licensee-specific data.\n\n3.  Use the **State** column to locate the state\\(s\\) in which you hold a license.\n\n4.  Review the corresponding rows for key details:\n\n    1.  **Renewal Period Dates**: The start and end dates for submission.\n\n    2.  **Reinstatement Period**: Timeframe to renew after missing the regular deadline.\n\n    3.  **Accepted Payment Methods**: Whether fees must be paid inside or outside NMLS.\n\n    4.  **Agency-Specific Requirements**: Any supplemental items required to complete renewal.\n\n5.  Use Excel filters \\(dropdown arrows in column headers\\) to narrow the chart to your relevant states or conditions.\n\n6.  Refer to this chart when preparing your renewal submissions to ensure you meet all applicable requirements and deadlines.\n\n**Parent topic:**Gathering Renewal Requirements",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_renewusingTheRenewalDeadlinesRequirementsAndFeesChart_2.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_renewusingTheRenewalDeadlinesRequirementsAndFeesChart_2.md",
      "headings": [
        "Using the Renewal Deadlines, Requirements, and Fees Chart {#licInd_mu4_renewusingTheRenewalDeadlinesRequirementsAndFeesChart .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4_renewusingTheRenewalDeadlinesRequirementsAndFeesChart_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4_renewworkingWithYourEmployerForLicenseOrRegistrationRenewal.md:chunk-0",
      "title": "Working With Your Employer for License or Registration Renewal {#licInd_mu4_renewworkingWithYourEmployerForLicenseOrRegistrationRenewal .task}",
      "content": "# Working With Your Employer for License or Registration Renewal \n\nOutlines how to coordinate with your employer when a license or registration is company-sponsored.\n\nYour employer may initiate renewal requests on your behalf. You must complete attestation and communicate with them to ensure the process is finalized.\n\n1.  Confirm that your sponsoring company has submitted a renewal request in NMLS.\n\n2.  Follow the steps in Attesting to Annual Renewal Requests Submitted by Sponsoring Company\n\n3.  Coordinate with your employer to ensure payment and any required documentation are submitted to the state agency.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_renewworkingWithYourEmployerForLicenseOrRegistrationRenewal.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_renewworkingWithYourEmployerForLicenseOrRegistrationRenewal.md",
      "headings": [
        "Working With Your Employer for License or Registration Renewal {#licInd_mu4_renewworkingWithYourEmployerForLicenseOrRegistrationRenewal .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4_renewworkingWithYourEmployerForLicenseOrRegistrationRenewal.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4_surrender_completingAnIndividualMu4FilingForSurrenders.md:chunk-0",
      "title": "Surrendering or Withdrawing a License {#licInd_mu4_surrender_completingAnIndividualMu4FilingForSurrenders .task}",
      "content": "# Surrendering or Withdrawing a License \n\nHow to complete a surrender or withdrawal request in NMLS.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Click the **Surrender** or **Withdraw** link in the My Licenses section of NMLS Connect.\n\n    The Individual MU4 Form opens.\n\n4.  Select **Surrender** or **Withdraw** in the Licenses and Submitted Applications section.\n\n5.  Attest and submit the surrender or withdrawal request.\n\n**Parent topic:**License Surrenders and Withdrawals",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_surrender_completingAnIndividualMu4FilingForSurrenders.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_surrender_completingAnIndividualMu4FilingForSurrenders.md",
      "headings": [
        "Surrendering or Withdrawing a License {#licInd_mu4_surrender_completingAnIndividualMu4FilingForSurrenders .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4_surrender_completingAnIndividualMu4FilingForSurrenders.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4_surrender_determiningSurrenderStatus.md:chunk-0",
      "title": "Determining Surrender or Withdrawal Status {#licInd_mu4_surrender_determiningSurrenderStatus .concept}",
      "content": "# Determining Surrender or Withdrawal Status \n\nHow to determine the current status of an individual surrender request submitted in NMLS.\n\nSee Viewing Your MU4 Filing Status in NMLS Connect for steps on how to view license and filing statuses.\n\n**Parent topic:**License Surrenders and Withdrawals",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_surrender_determiningSurrenderStatus.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_surrender_determiningSurrenderStatus.md",
      "headings": [
        "Determining Surrender or Withdrawal Status {#licInd_mu4_surrender_determiningSurrenderStatus .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4_surrender_determiningSurrenderStatus.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4_surrender_surrenderingIndividualLicensesOrRegistrations.md:chunk-0",
      "title": "License Surrenders and Withdrawals {#licInd_mu4_surrender_surrenderingIndividualLicensesOrRegistrations .concept}",
      "content": "# License Surrenders and Withdrawals \n\nUnderstand the process of surrendering an individual state license in NMLS.\n\n**Surrendering** your license means that an existing, approved license you already hold is voluntarily given up. After surrender, you no longer hold the license and cannot engage in activities that require it, subject to the state’s approval of the surrender.\n\n**Withdrawing** means you are pulling back an application that has not yet been approved. Essentially, you are saying you no longer want the license \\(or registration\\) to be granted.\n\nBefore a surrender request is submitted through NMLS, it is important that you consult the resources in the Gathering Requirements section of this guide. There may be state-specific requirements you must complete in order to surrender a license.\n\nSee the following topics for more information:\n\n-   Surrendering or Withdrawing a License\n-   Determining Surrender or Withdrawal Status\n\n-   **Surrendering or Withdrawing a License**  \nHow to complete a surrender or withdrawal request in NMLS.\n-   **Determining Surrender or Withdrawal Status**  \nHow to determine the current status of an individual surrender request submitted in NMLS.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_surrender_surrenderingIndividualLicensesOrRegistrations.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_surrender_surrenderingIndividualLicensesOrRegistrations.md",
      "headings": [
        "License Surrenders and Withdrawals {#licInd_mu4_surrender_surrenderingIndividualLicensesOrRegistrations .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4_surrender_surrenderingIndividualLicensesOrRegistrations.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4_temporaryAuthority.md:chunk-0",
      "title": "Temporary Authority to Operate {#xd_8c378acf17e6db4e-20399840-199489f9add--7ffa .concept}",
      "content": "# Temporary Authority to Operate \n\nUnderstand what Temporary Authority to Operate \\(TA\\) is, and how it works when applying for an additional individual state license or registration in NMLS.\n\nRefer to the NMLS Policy Guide: Temporary Authority for authoritative information on TA.\n\n## What is Temporary Authority? \n\nTemporary Authority to act as a loan originator permits:\n\n-   1\\) qualified MLOs who are changing employment from a depository institution to a state-licensed mortgage company, and\n-   2\\) qualified state-licensed MLOs seeking licensure in another state, to originate loans while completing any state-specific requirements for licensure such as education or testing.\n\n## Determining Eligibility \n\nAn MLO application will enter the TA workflow if the above eligibility requirements are met and the application includes:\n\n1.  A completed Individual Form \\(MU4\\), which contains personal history and experience;\n2.  An explanation and supporting documentation uploads for any **Yes** answer to a Disclosure Question;\n3.  The receipt of a criminal history record information check from the FBI;\n4.  Authorization to obtain a credit report;\n5.  **W2-Employee** is selected for the Worker Classification in the applicant’s company relationship; and\n6.  A request for sponsorship from the MLO’s employer.\n\nA complete application for **licensure** must also include:\n\n1.  The submission of any State-specific documents \\(if applicable\\). See the State Licensing Checklist Compiler to determine any state-specific requirements for each MLO license.\n2.  The passing of the **SAFE Act** Test. \\(See MLO Education and Testing Guide.\\)\n3.  Completion of pre-licensure education courses.\n\n**Note:** An eligible individual can submit an MLO license application without passing the **SAFE Act** Test or meeting Pre-Licensure education requirements and be deemed to have TA.\n\nAn MLO would not be eligible for TA if they have:\n\n-   Had a loan originator license application denied;\n-   Had a loan orig",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_temporaryAuthority.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_temporaryAuthority.md",
      "headings": [
        "Temporary Authority to Operate {#xd_8c378acf17e6db4e-20399840-199489f9add--7ffa .concept}",
        "What is Temporary Authority? {#section_jl1_4xk_rgc .section}",
        "Determining Eligibility {#section_fmf_2xk_rgc .section}",
        "Understanding TA Statuses {#section_ml1_fxk_rgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4_temporaryAuthority.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual/topics/licInd_mu4_temporaryAuthority.md:chunk-1",
      "title": "Temporary Authority to Operate {#xd_8c378acf17e6db4e-20399840-199489f9add--7ffa .concept}",
      "content": " or meeting Pre-Licensure education requirements and be deemed to have TA.\n\nAn MLO would not be eligible for TA if they have:\n\n-   Had a loan originator license application denied;\n-   Had a loan originator license revoked or suspended in any jurisdiction;\n-   Been subject to or served with a cease and desist order; or\n-   Been convicted of a misdemeanor or felony that would preclude licensure in the application state.\n\n## Understanding TA Statuses \n\nThere are four NMLS licensing statuses that will be used in relation to applications in the TA workflow.\n\n1.  Pending - Deficient \\(Temporary Authority Eligible\\)\n    -   Pending CBC results or a request for sponsorship\n    -   Meets other eligibility requirements\n2.  Pending - Deficient \\(Temporary Authority\\)\n    -   CBC results satisfied and a request for sponsorship has occurred\n    -   Pending Testing and Education requirements\n    -   Pending License Item\n3.  Pending - Review \\(Temporary Authority\\)\n    -   Testing and Education requirements have been met\n    -   Waiting for regulatory review\n4.  Pre-Approved \\(Temporary Authority\\)\n    -   Pending Testing and Education requirements\n\n**Parent topic:**Requesting Additional Individual Licenses",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_temporaryAuthority.md",
      "relative_path": "maps\\NMLS\\licensing\\individual\\topics\\licInd_mu4_temporaryAuthority.md",
      "headings": [
        "Temporary Authority to Operate {#xd_8c378acf17e6db4e-20399840-199489f9add--7ffa .concept}",
        "What is Temporary Authority? {#section_jl1_4xk_rgc .section}",
        "Determining Eligibility {#section_fmf_2xk_rgc .section}",
        "Understanding TA Statuses {#section_ml1_fxk_rgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual/topics/licInd_mu4_temporaryAuthority.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual_Fed/maps/topics/cfpbPrivacyNotice.md:chunk-0",
      "title": "CFPB Privacy Notice {#cfpbPrivacyNotice .concept}",
      "content": "# CFPB Privacy Notice \n\nNotice of Collection under the **Privacy Act of 1974, 5 U.S.C. § 552a As Amended \\(Privacy Act Notice\\)**. The information that you provide to the Nationwide Multistate Licensing System \\(NMLS\\) will be used to register and manage accounts for mortgage loan originators.\n\nAuthority:\n:   The information that you provide to the Nationwide Multistate Licensing System \\(NMLS\\) will be used to register and manage accounts for mortgage loan originators \\(MLOs\\) as required by the **Secure and Fair Enforcement for Mortgage Licensing Act \\(SAFE Act\\), 12 U.S.C. 5101 et seq.** and the Consumer Financial Protection Bureau’s \\(CFPB’s\\) **Regulation G \\(SAFE Mortgage Licensing Act-Federal Registration of Residential Mortgage Loan Originators\\), 12 C.F.R. Part 1007**.\n\nPurpose:\n:   The information is maintained to support federal regulatory oversight while providing the public with access to certain information concerning MLOs employed by institutions regulated by the Federal banking agencies or the Farm Credit Administration \\(FCA\\), including names and employment histories of those MLOs.\n\nRoutine Uses:\n:   The information you provide may be shared pursuant to the **CFPB published Privacy Act System of Records notice, CFPB.019 – Nationwide Mortgage Licensing System and Registry \\(NMLSR\\)**, which may include sharing:\n\n    -   to institutions employing MLOs that are required to be federally registered under Section 1507 of the S.A.F.E. Act, 12 U.S.C. 5106, for use in registering employees as mortgage loan originators or renewing employee registrations;\n    -   to the public when the information relates to the employment history of, and publicly adjudicated disciplinary and enforcement actions against, MLOs that is included in the NMLSR for access by the public in accordance with Section 1507 of the S.A.F.E. Act, 12 U.S.C. 5106;\n    -   to the Federal Banking Agencies, as defined in section 1503 of the S.A.F.E. Act, 12 U.S.C. 5102\\(2\\), and the FCA, to carr",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\cfpbPrivacyNotice.md",
      "relative_path": "maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\cfpbPrivacyNotice.md",
      "headings": [
        "CFPB Privacy Notice {#cfpbPrivacyNotice .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual_Fed/maps/topics/cfpbPrivacyNotice.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual_Fed/maps/topics/cfpbPrivacyNotice.md:chunk-1",
      "title": "CFPB Privacy Notice {#cfpbPrivacyNotice .concept}",
      "content": " in accordance with Section 1507 of the S.A.F.E. Act, 12 U.S.C. 5106;\n    -   to the Federal Banking Agencies, as defined in section 1503 of the S.A.F.E. Act, 12 U.S.C. 5102\\(2\\), and the FCA, to carry out their oversight responsibilities for MLOs employed by entities subject to their respective authorities;\n    -   to another federal, state, local, foreign, tribal, or self-regulatory agency for enforcement, statutory, or regulatory purposes;\n    -   to a court, magistrate, or administrative tribunal in the course of a proceeding, or party in litigation;\n\nDisclosure:\n:   You are not required to submit or provide any identifying information; however, if you do not include the requested information you will not be registered as an MLO.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\cfpbPrivacyNotice.md",
      "relative_path": "maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\cfpbPrivacyNotice.md",
      "headings": [
        "CFPB Privacy Notice {#cfpbPrivacyNotice .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual_Fed/maps/topics/cfpbPrivacyNotice.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual_Fed/maps/topics/fbi_PrivacyStatement.md:chunk-0",
      "title": "Privacy Act Statement {#fbi_PrivacyStatement .concept}",
      "content": "# Privacy Act Statement \n\nThis privacy act statement is located on the back of the FD-258 fingerprint card.\n\nAuthority\n:   The FBI’s acquisition, preservation, and exchange of fingerprints and associated information is generally authorized under 28 U.S.C. 534. Depending on the nature of your application, supplemental authorities include Federal statutes, State statutes pursuant to Pub. L. 92-544, Presidential Executive Orders, and federal regulations. Providing your fingerprints and associated information is voluntary; however, failure to do so may affect completion or approval of your application.\n\nPrincipal Purpose\n:   Certain determinations, such as employment, licensing, and security clearances, may be predicated on fingerprint-based background checks. Your fingerprints and associated information/biometrics may be provided to the employing, investigating, or otherwise responsible agency, and/or the FBI for the purpose of comparing your fingerprints to other fingerprints in the FBI’s Next Generation Identification \\(NGI\\) system or its successor systems \\(including civil, criminal, and latent fingerprint repositories\\) or other available records of the employing, investigating, or otherwise responsible agency. The FBI may retain your fingerprints and associated information/biometrics in NGI after the completion of this application and, while retained, your fingerprints may continue to be compared against other fingerprints submitted to or retained by NGI.\n\nRoutine Uses\n:   During the processing of this application and for as long thereafter as your fingerprints and associated information/biometrics are retained in NGI, your information may be disclosed pursuant to your consent, and may be disclosed without your consent as permitted by the Privacy Act of 1974 and all applicable Routine Uses as may be published at any time in the Federal Register, including the Routine Uses for the NGI system and the FBI’s Blanket Routine Uses. Routine uses include, but are not lim",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\fbi_PrivacyStatement.md",
      "relative_path": "maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\fbi_PrivacyStatement.md",
      "headings": [
        "Privacy Act Statement {#fbi_PrivacyStatement .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual_Fed/maps/topics/fbi_PrivacyStatement.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual_Fed/maps/topics/fbi_PrivacyStatement.md:chunk-1",
      "title": "Privacy Act Statement {#fbi_PrivacyStatement .concept}",
      "content": "applicable Routine Uses as may be published at any time in the Federal Register, including the Routine Uses for the NGI system and the FBI’s Blanket Routine Uses. Routine uses include, but are not limited to, disclosures to: employing, governmental or authorized non-governmental agencies responsible for employment, contracting, licensing, security clearances, and other suitability determinations; local, state, tribal, or federal law enforcement agencies; criminal justice agencies; and agencies responsible for national security or public safety.\n\nAs of 03/30/2018",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\fbi_PrivacyStatement.md",
      "relative_path": "maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\fbi_PrivacyStatement.md",
      "headings": [
        "Privacy Act Statement {#fbi_PrivacyStatement .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual_Fed/maps/topics/fbi_PrivacyStatement.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual_Fed/maps/topics/nmls_accesibilityGuide.md:chunk-0",
      "title": "Accessibility Guide {#nmls_accesibilityGuide .concept}",
      "content": "# Accessibility Guide \n\nNMLS is committed to making our sites accessible to all users, including those with disabilities in accordance with Section 508 of the Rehabilitation Act of 1973, as amended. NMLS makes an effort to publish only material that is fully accessible.\n\nShould you encounter material that you cannot use or access due to a disability, please contact the NMLS Call Center for assistance.\n\n## Plug-Ins to free applications \n\nNMLS publishes documents and files in several proprietary formats. In order to open and use many of these files it may require special software be installed on your computer known commonly as “plug-ins”.\n\nSection 508 requires that when special software is required to access these documents and files, NMLS shall provide a link that allows a user to obtain the required plug-ins.\n\n|File Type|Application|Website|\n|---------|-----------|-------|\n|PDF|Adobe Acrobat|http://www.adobe.com/products/acrobat/matrix.html|\n|CutePDF|https://www.cutepdf.com/index.htm|\n|Nitro PDF Express|https://www.gonitro.com/pdf|\n|NovaPDF|http://www.novapdf.com/|\n|PDF Creator|http://www.pdfforge.org/pdfcreator|\n|Xodo PDF Reader|https://xodo.com/pdf-studio/free-pdf-reader|\n|CSV/XML|Microsoft Excel|http://office.microsoft.com/downloads|\n\n## Contacting NMLS for Accessibility Related Issues \n\nNMLS Call Center: 1-855-NMLS-123 \\(1-855-665-7123\\). TTY/TDD: 800-877-8339 \\(Sponsoring Agency: Treasury\\)\n\nThe Relay Service will ask “What Agency would you like to call?” and “What is the Phone Number?” To ensure you reach the correct party, please respond with “Treasury, 1-855-NMLS-123 \\(1-855-665-7123\\)..”",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\nmls_accesibilityGuide.md",
      "relative_path": "maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\nmls_accesibilityGuide.md",
      "headings": [
        "Accessibility Guide {#nmls_accesibilityGuide .concept}",
        "Plug-Ins to free applications {#section_en2_s21_2fc .section}",
        "Contacting NMLS for Accessibility Related Issues {#section_qvk_s21_2fc .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual_Fed/maps/topics/nmls_accesibilityGuide.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual_Fed/maps/topics/nmls_fingerprintElectronic_vs_Paper.md:chunk-0",
      "title": "Benefits of Electronic \\(Live Scan\\) vs. Paper Card Fingerprint Capture {#nmls_fingerprintElectronic_vs_Paper .concept}",
      "content": "# Benefits of Electronic \\(Live Scan\\) vs. Paper Card Fingerprint Capture \n\nWhen searching for a fingerprinting location, the results returned by the search use the address you provide and display either \\(1\\) Live Scan locations only or \\(2\\) Live Scan and Paper Card locations. As illustrated below, fingerprint capture via Live Scan costs less, can be scheduled more quickly, requires less action by the MLO, and results in fewer illegible prints than the Paper Card method.\n\nTherefore, even if the selection of a Live Scan location is not as convenient it may result in the individual being fingerprinted saving time and money. Please use alternate addresses \\(e.g., work\\) to find an appropriate Live Scan location.\n\n\n\nBasis for Comparison\n\n\n\nLive Scan Fingerprint Capture\n\n\n\nPaper Card Fingerprint Capture\n\n\n\nCost\n\n\n\nLower\n\n $36.25\n\n Criminal Background Check \\(CBC\\) Processing Fee Collected Through NMLS\n\n\n\nHigher\n\n $56.25 to $65.25 Total\n\n-   $36.25 – CBC Processing Fee Collected Through NMLS\n-   $10 – Fieldprint Paper Card Package and Processing\n-   $10 - $20 – Law Enforcement Officer Fee\n\n\n\nScheduling\n\n\n\nInstantaneous\n\n MLO selects an available date and time during the scheduling process.\n\n\n\nDelayed\n\n MLO must identify three preferred appointment times and will be contacted by a Fieldprint representative with the final appointment date and time. In addition, sufficient lead time must be included to allow for Fieldprint to deliver the Paper Card Package to the MLO.\n\n\n\nFingerprint Capture Process\n\n\n\nSimple\n\n he MLO provides two forms of identification at fingerprinting location for scheduled appointment and have fingerprints captured.\n\n\n\nMore Complex\n\n The MLO must:\n\n1.  await receipt of Paper Card Package;\n2.  complete the top portion of two paper fingerprint cards;\n3.  bring two forms of identification to fingerprinting location for scheduled appointment;\n4.  have fingerprints captured;\n5.  place completed cards in pre-addressed postage paid envelope;\n6.  drop the enve",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\nmls_fingerprintElectronic_vs_Paper.md",
      "relative_path": "maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\nmls_fingerprintElectronic_vs_Paper.md",
      "headings": [
        "Benefits of Electronic \\(Live Scan\\) vs. Paper Card Fingerprint Capture {#nmls_fingerprintElectronic_vs_Paper .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual_Fed/maps/topics/nmls_fingerprintElectronic_vs_Paper.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual_Fed/maps/topics/nmls_fingerprintElectronic_vs_Paper.md:chunk-1",
      "title": "Benefits of Electronic \\(Live Scan\\) vs. Paper Card Fingerprint Capture {#nmls_fingerprintElectronic_vs_Paper .concept}",
      "content": "ng two forms of identification to fingerprinting location for scheduled appointment;\n4.  have fingerprints captured;\n5.  place completed cards in pre-addressed postage paid envelope;\n6.  drop the envelope in the U.S. Mail; and\n7.  contact Fieldprint to let them know the fingerprint cards are in the mail.\n\n\n\n% of Prints Returned as Illegible\n\n\n\nLower\n\n Fingerprints captured via Live Scan can be analyzed electronically to determine readability. Fingerprints can be captured more than one time during the same appointment if the analysis suggests the fingerprints may not be legible.\n\n\n\nHigher\n\n Although two paper cards are provided allowing two sets of prints to be captured, the Paper Card method relies on the ability of the individual capturing the prints to visually assess the quality of the prints. Generally, illegibility rates of fingerprints captured using the Paper Card method are higher than for fingerprints captured via Live Scan.\n\n\n",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\nmls_fingerprintElectronic_vs_Paper.md",
      "relative_path": "maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\nmls_fingerprintElectronic_vs_Paper.md",
      "headings": [
        "Benefits of Electronic \\(Live Scan\\) vs. Paper Card Fingerprint Capture {#nmls_fingerprintElectronic_vs_Paper .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual_Fed/maps/topics/nmls_fingerprintElectronic_vs_Paper.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual_Fed/maps/topics/nmls_loginOptions.md:chunk-0",
      "title": "Log In Settings Incorrect? {#nmls_loginOptions .task}",
      "content": "# Log In Settings Incorrect? \n\nNMLS sets browser cookies to remember your login context \\(state or federal\\). If you choose the incorrect option when logging in and land on the state log in page instead of the federal log in page \\(or vice versa\\) you can manually delete your web browser cookies to reset your log in settings options.\n\nThis task contains steps for clearing cookies from Microsoft Edge, Mozilla Firefox, and Google Chrome. Use the appropriate steps for your web browser, or consult the help for your browser.\n\n1.  **Delete Cookies in Edge**\n2.  Press **Ctrl** + **H** to open the History list.\n\n3.  Select **Delete browsing data** \\(Trash Can icon\\).\n\n    The Delete browsing data dialog box is displayed.\n\n4.  Check the **Cookies and other site data** option.\n\n5.  Select **Clear now**.\n\n6.  **Delete Cookies in Firefox**\n7.  Select **Settings** from the menu on the right.\n\n    The Settings window is displayed.\n\n8.  Select **Privacy & Security**.\n\n9.  Under Cookies and Site Data, select the **Clear Data** button.\n\n    The Clear browsing data and cookies dialog box is displayed.\n\n10. From the **When** dropdown list, select **Everything**.\n\n11. Select the **Cookies and site data** option.\n\n12. Select **Clear**.\n\n13. **Delete Cookies in Chrome**\n14. Press **Ctrl** + **H** to open the History list.\n\n    The History window opens in a new tab.\n\n15. Select **Delete browsing data**.\n\n    The Delete browsing data dialog box is displayed in a new tab.\n\n16. From the **Time range** dropdown, choose **All time**.\n\n17. Select the **Cookies and site data** option.\n\n18. Select **Delete data**.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\nmls_loginOptions.md",
      "relative_path": "maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\nmls_loginOptions.md",
      "headings": [
        "Log In Settings Incorrect? {#nmls_loginOptions .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual_Fed/maps/topics/nmls_loginOptions.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual_Fed/maps/topics/regFedInstitution_renewalPaying.md:chunk-0",
      "title": "Paying Renewal or Reactivation Invoices {#xd_df7df97c574be4a7--2013d503-199008abe28--7fcc .task}",
      "content": "# Paying Renewal or Reactivation Invoices \n\nAfter submitting institution or MLO renewal/reactivation requests, institutions must pay the generated invoice to complete the process.\n\nInvoices are created when an institution submits renewal or reactivation requests for itself or for employed MLOs. Institutions must pay the invoice before the renewal/reactivation is finalized. Unpaid invoices prevent subsequent uploads until payment is completed.\n\n1.  Navigate to the NMLS Login page \\(Federal Context\\).\n\n2.  Log in to your NMLS account.\n\n    **Note:** If you are landed on the NMLS Connect screen, select **NMLS Federal Registry** in the Quick Links section.\n\n    \n\n3.  Select the **Federal** context, if the Context screen is displayed.\n\n    **Note:** Be sure you are in the Federal context by selecting **Federal** from the **You are currently** drop down list. Your screen should display the Federal Registry watermark.\n\n    \n\n4.  Click **Renew/Reactivate**.\n\n5.  Click **Submit**.\n\n6.  For upload files, click **Upload**, then click the **Unpaid** link for the file. For manual requests, proceed to the Invoice screen directly.\n\n7.  Click **Pay Invoice**.\n\n8.  Review the payment terms and click **I Agree**.\n\n9.  Select a payment type \\(**Credit Card** or **Bank Account**\\), complete the required fields, and submit the payment.\n\n    **Note:** NMLS accepts Visa® or Mastercard® credit cards and ACH bank account payments. Debit cards are not accepted unless they can be processed as credit with a Visa® or Mastercard® logo. Credit/debit transactions incur a 2.5% service fee.\n\n10. Click **Confirm and Submit** to finalize payment.\n\nThe invoice is paid and the renewal/reactivation requests are processed. MLOs included in the invoice receive attestation notifications.\n\n**Parent topic:**Renewing and Reactivating MLO Registrations\n\n**NMLS Reference Guide**  \n\nNMLS Processing Fees\n\nCorrecting Failed Payments\n\nNMLS Payment Options",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedInstitution_renewalPaying.md",
      "relative_path": "maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedInstitution_renewalPaying.md",
      "headings": [
        "Paying Renewal or Reactivation Invoices {#xd_df7df97c574be4a7--2013d503-199008abe28--7fcc .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual_Fed/maps/topics/regFedInstitution_renewalPaying.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_CBC.md:chunk-0",
      "title": "Criminal Background Check {#regFedMLO_CBC .concept}",
      "content": "# Criminal Background Check \n\nPrior to registration, mortgage loan originators \\(MLOs\\) must submit fingerprints to NMLS \\(unless they already have fingerprints on file with NMLS\\) and authorize NMLS to process a criminal background check \\(CBC\\) with the FBI. The results of the CBC are returned to the employing institution through NMLS.\n\n## Step 1: Am I required to complete a Criminal Background Check to be federally registered through NMLS? \n\nAny individual who meets the definition of a mortgage loan originator and must be registered on NMLS is required to have a Federal Criminal Background Check \\(CBC\\) processed with the FBI.\n\nIn addition to initial registration, an individual will also need a new CBC when making an employment change.\n\n## Step 2: Authorizing a Criminal Background Check Request \n\nA CBC authorization must be completed prior to scheduling a fingerprint appointment. This authorization is processed through the MU4R filing on NMLS.\n\nIn order to determine the best method of authorizing a CBC request, an individual should consult with their institution to identify who will be submitting the CBC authorization via the MU4R. The following two options are available:\n\n-   An individual will complete and submit the MU4R form\n-   The institution will initiate and submit the MU4R on behalf of an individual\n\n## Step 3: Scheduling a fingerprint appointment via Fieldprint \n\nOnce an individual or employer has paid for the CBC request through NMLS, the MLO will be able to schedule a fingerprint appointment. Go to the Fieldprint Website to schedule the fingerprint appointment.\n\n## NMLS has developed the following options for submitting fingerprints: \n\n1. Submit New Prints via fingerprinting vendor, Fieldprint.\n:   NMLS has developed a nationwide network of approved live scan and paper card fingerprint sites, administered by NMLS’ fingerprinting vendor, Fieldprint. After providing necessary demographic information, authorizing and paying for the background check in NM",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_CBC.md",
      "relative_path": "maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_CBC.md",
      "headings": [
        "Criminal Background Check {#regFedMLO_CBC .concept}",
        "Step 1: Am I required to complete a Criminal Background Check to be federally registered through NMLS? {#section_flh_nkx_1fc .section}",
        "Step 2: Authorizing a Criminal Background Check Request {#section_dzj_4tj_4hc .section}",
        "Step 3: Scheduling a fingerprint appointment via Fieldprint {#section_twh_xkx_1fc .section}",
        "NMLS has developed the following options for submitting fingerprints: {#section_hvl_zkx_1fc .section}",
        "Step 4: Viewing CBC Results {#section_bjr_dqx_1fc .section}",
        "Fees {#section_blj_cfd_nhc .section}",
        "FBI Privacy Act Statement {#section_jjh_ggd_nhc .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_CBC.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_CBC.md:chunk-1",
      "title": "Criminal Background Check {#regFedMLO_CBC .concept}",
      "content": "scan and paper card fingerprint sites, administered by NMLS’ fingerprinting vendor, Fieldprint. After providing necessary demographic information, authorizing and paying for the background check in NMLS, MLOs are directed to the Fieldprint scheduling site to schedule an appointment at one of over 700 live scan locations where fingerprints can be captured and submitted electronically. If none of these sites are geographically convenient to an MLO, a visit can be scheduled at one of more than 6,000 local police departments where fingerprints can be taken on cards provided to the MLO by Fieldprint and then mailed to Fieldprint for scanning and submission to NMLS.\n\n    **Note:** After authorizing a new CBC and selecting to submit new fingerprints, fingerprints must be taken within 180 days. If fingerprints are not submitted within 180 days, the background check window will expire and a new CBC will need to be authorized and fees paid.\n\n2. Use existing fingerprints already on file with NMLS.\n:   If an individual has held a state license or federal registration in the past year, it is possible that NMLS already has fingerprints on file and new prints do not need to be submitted. The election of **Use Existing Prints** can be made via the MU4R to conduct a CBC for the purpose of federal registration.\n\n    **Note:** The option to use existing prints will only be available if the fingerprint records on file are less than 3 years old. Due to FBI rules, individuals will need to provide new fingerprints when requesting a new CBC if previously submitted fingerprints are more than 3 years old.\n\n3. Authorizing existing fingerprints via Fieldprint.\n:   NMLS recognizes that some institutions may have existing systems for fingerprint collections and a volume that makes it worthwhile to establish a direct connection. Due to the technical and legal requirements necessary to facilitate such an alternative fingerprint submission process, NMLS can only offer this option under the conditio",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_CBC.md",
      "relative_path": "maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_CBC.md",
      "headings": [
        "Criminal Background Check {#regFedMLO_CBC .concept}",
        "Step 1: Am I required to complete a Criminal Background Check to be federally registered through NMLS? {#section_flh_nkx_1fc .section}",
        "Step 2: Authorizing a Criminal Background Check Request {#section_dzj_4tj_4hc .section}",
        "Step 3: Scheduling a fingerprint appointment via Fieldprint {#section_twh_xkx_1fc .section}",
        "NMLS has developed the following options for submitting fingerprints: {#section_hvl_zkx_1fc .section}",
        "Step 4: Viewing CBC Results {#section_bjr_dqx_1fc .section}",
        "Fees {#section_blj_cfd_nhc .section}",
        "FBI Privacy Act Statement {#section_jjh_ggd_nhc .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_CBC.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_CBC.md:chunk-2",
      "title": "Criminal Background Check {#regFedMLO_CBC .concept}",
      "content": "stablish a direct connection. Due to the technical and legal requirements necessary to facilitate such an alternative fingerprint submission process, NMLS can only offer this option under the conditions listed below. If, after reviewing these conditions, your institution is interested in using existing fingerprint files collected outside of the NMLS network, please contact Fieldprint at 1-877-614-4365. Conditions are as follows:\n\n    A. Execution of a legal agreement between the institution and Fieldprint\n    :   Approved by State Regulatory Registry LLC In order to protect the integrity of fingerprints collected and maintained by NMLS, SRR requires certain quality controls be in place as institutions collect fingerprints that mirror those in place in the NMLS network. To ensure the required controls are in place and the agreement is consistent across participating institutions, the standard agreement cannot be adjusted.\n\n    B. Adherence to the Interface Control document\n    :   Fieldprint has developed an interface control document for the submission of existing fingerprints to NMLS. This document regulates submission of fingerprints and helps ensure that submitted fingerprints are connected with the correct mortgage loan originator’s record in NMLS. Institutions interested in submitting existing fingerprints or using its vendor to collect fingerprints for submission to NMLS must abide with the technical and policy requirements outlined in this document to ensure a uniform standard of all fingerprints collected by NMLS.\n\n    C. Institution must have a minimum of 1,500 MLOs registered in NMLS\n    :   Due to the costs associated with establishing monitoring, and maintaining this alternative submission process, SRR believes that the alternative process is only effective for institutions with a high volume of prints to process. As such, institutions must have a minimum of 1,500 MLOs registered in NMLS in order to participate in this alternative process.\n\n    D. The In",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_CBC.md",
      "relative_path": "maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_CBC.md",
      "headings": [
        "Criminal Background Check {#regFedMLO_CBC .concept}",
        "Step 1: Am I required to complete a Criminal Background Check to be federally registered through NMLS? {#section_flh_nkx_1fc .section}",
        "Step 2: Authorizing a Criminal Background Check Request {#section_dzj_4tj_4hc .section}",
        "Step 3: Scheduling a fingerprint appointment via Fieldprint {#section_twh_xkx_1fc .section}",
        "NMLS has developed the following options for submitting fingerprints: {#section_hvl_zkx_1fc .section}",
        "Step 4: Viewing CBC Results {#section_bjr_dqx_1fc .section}",
        "Fees {#section_blj_cfd_nhc .section}",
        "FBI Privacy Act Statement {#section_jjh_ggd_nhc .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_CBC.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_CBC.md:chunk-3",
      "title": "Criminal Background Check {#regFedMLO_CBC .concept}",
      "content": "for institutions with a high volume of prints to process. As such, institutions must have a minimum of 1,500 MLOs registered in NMLS in order to participate in this alternative process.\n\n    D. The Institution’s fingerprint acquisition vendor must be an FBI approved channeler\n    :   To ensure the institution’s selected vendor meets minimum information security and auditing requirements, the vendor providing fingerprint acquisition and management services to the institution must be an FBI approved channeler. List of FBI approved channelers\n\n        **Note:** All submissions must be completed through one connection. Institutions are responsible for the consolidation and management of prints from multiple livescan terminals.\n\n## Step 4: Viewing CBC Results \n\nFingerprints are automatically processed with results reported back to NMLS from the FBI, usually within 48 hours of submission. Some exceptions to this may occur if an individual has been sent to Name Check processing where results may not be returned from the FBI for up to 90 days.\n\nCBC status can be viewed through Composite View from your individual account.\n\n\n\nFingerprint Status in Composite View\n\n\n\nAction Required by MLO?\n\n\n\n`Pending Fingerprint`\n\n\n\nYes, an individual needs to schedule through the Fieldprint website to have fingerprints taken.\n\n\n\n`Processing Fingerprints`\n\n\n\nNo action is needed from individual.\n\n A CBC request has been submitted, prints have been taken. The background check is being performed.\n\n\n\n`Processing Name Check`\n\n\n\nNo action is needed from individual.\n\n A background check is being performed using the “Name Check” method.\n\n\n\n`Expired`\n\n\n\nYes, if a CBC is required an individual needs to authorize a new CBC again via the MU4R in order to schedule a fingerprint appointment or fingerprints were not taken within the 180 day allotted time.\n\n **Note:** Expired prints does **not** suggest that new prints are required to be submitted for the purpose of a CBC. To determine if a new CBC is requir",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_CBC.md",
      "relative_path": "maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_CBC.md",
      "headings": [
        "Criminal Background Check {#regFedMLO_CBC .concept}",
        "Step 1: Am I required to complete a Criminal Background Check to be federally registered through NMLS? {#section_flh_nkx_1fc .section}",
        "Step 2: Authorizing a Criminal Background Check Request {#section_dzj_4tj_4hc .section}",
        "Step 3: Scheduling a fingerprint appointment via Fieldprint {#section_twh_xkx_1fc .section}",
        "NMLS has developed the following options for submitting fingerprints: {#section_hvl_zkx_1fc .section}",
        "Step 4: Viewing CBC Results {#section_bjr_dqx_1fc .section}",
        "Fees {#section_blj_cfd_nhc .section}",
        "FBI Privacy Act Statement {#section_jjh_ggd_nhc .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_CBC.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_CBC.md:chunk-4",
      "title": "Criminal Background Check {#regFedMLO_CBC .concept}",
      "content": "e not taken within the 180 day allotted time.\n\n **Note:** Expired prints does **not** suggest that new prints are required to be submitted for the purpose of a CBC. To determine if a new CBC is required, please contact your employer.\n\n\n\n`Closed` but the **Reason Closed** field shows `illegible`\n\n\n\nYes, a new CBC must be authorized via the MU4R in order to schedule a fingerprint appointment again. Payment is **not** required during CBC authorization.\n\n Prints were categorized as illegible by the FBI.\n\n\n\n`Closed` but the **Reason Closed** field shows `received`\n\n\n\nNo action needed from the individual.\n\n Process is complete.\n\n\n**Note:** If the FBI determines that the prints are illegible, you will receive a system notification and will be required to authorize a new CBC.\n\n## Fees \n\n\n\nLive Scan\n\n\n\n\\(electronic\\) $36.25 CBC Processing Fee\n\n\n\nPaper Card Capture[^1]\\(if Live Scan is not selected\\)\n\n\n\n$36.25 CBC Processing Fee\n\n $10.00 Card Packet Fee\n\n **$46.25 Total**\n\n\n## Refund Policy \n\nPayments collected through the NMLS are non-refundable and non-transferable.\n\n## FBI Privacy Act Statement \n\nFBI Privacy Act\n\n-   **Completing the Criminal Background Check Process**  \nThe instructions below will walk you through the process of authorizing a criminal background check \\(CBC\\) and scheduling an appointment to have your fingerprints captured.\n-   **Scheduling Your Fingerprinting Appointment**  \nHow to schedule a fingerprinting appointment with Fieldprint after submitting your Individual MU Form.\n-   **Fingerprinting for Non-US Residents**  \nHow individuals residing outside the United States, Guam, US Virgin Islands, or Puerto Rico complete fingerprinting for an NMLS Criminal Background Check \\(CBC\\) using Fieldprint fingerprint cards.\n-   **Illegible Prints—Next Steps**  \nIf your criminal background check \\(CBC\\) results are returned “illegible,\" you need to request a new CBC through NMLS and have your fingerprints taken again. Follow these steps to authorize a subsequent c",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_CBC.md",
      "relative_path": "maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_CBC.md",
      "headings": [
        "Criminal Background Check {#regFedMLO_CBC .concept}",
        "Step 1: Am I required to complete a Criminal Background Check to be federally registered through NMLS? {#section_flh_nkx_1fc .section}",
        "Step 2: Authorizing a Criminal Background Check Request {#section_dzj_4tj_4hc .section}",
        "Step 3: Scheduling a fingerprint appointment via Fieldprint {#section_twh_xkx_1fc .section}",
        "NMLS has developed the following options for submitting fingerprints: {#section_hvl_zkx_1fc .section}",
        "Step 4: Viewing CBC Results {#section_bjr_dqx_1fc .section}",
        "Fees {#section_blj_cfd_nhc .section}",
        "FBI Privacy Act Statement {#section_jjh_ggd_nhc .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_CBC.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_CBC.md:chunk-5",
      "title": "Criminal Background Check {#regFedMLO_CBC .concept}",
      "content": "ur criminal background check \\(CBC\\) results are returned “illegible,\" you need to request a new CBC through NMLS and have your fingerprints taken again. Follow these steps to authorize a subsequent criminal background check request after your first results have come back illegible.\n-   **Viewing the Status of Your Criminal Background Check**  \nFollow these steps to check the status of an existing criminal background check \\(CBC\\) request.\n\n**Parent topic:**Individual MU4R Registration\n\n**Related information**  \n\nChanging Employers\n\nViewing the Status of Your Criminal Background Check\n\nMLO-initiated MU4R\n\nAttesting to MU4R\n\nInstitution-initiated MU4R\n\nCFPB Privacy Notice\n\n[^1]: Paper Card Capture costs more due to the manual processing of fingerprints.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_CBC.md",
      "relative_path": "maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_CBC.md",
      "headings": [
        "Criminal Background Check {#regFedMLO_CBC .concept}",
        "Step 1: Am I required to complete a Criminal Background Check to be federally registered through NMLS? {#section_flh_nkx_1fc .section}",
        "Step 2: Authorizing a Criminal Background Check Request {#section_dzj_4tj_4hc .section}",
        "Step 3: Scheduling a fingerprint appointment via Fieldprint {#section_twh_xkx_1fc .section}",
        "NMLS has developed the following options for submitting fingerprints: {#section_hvl_zkx_1fc .section}",
        "Step 4: Viewing CBC Results {#section_bjr_dqx_1fc .section}",
        "Fees {#section_blj_cfd_nhc .section}",
        "FBI Privacy Act Statement {#section_jjh_ggd_nhc .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_CBC.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_CBCstatusViewing.md:chunk-0",
      "title": "Viewing the Status of Your Criminal Background Check {#regFedMLO_CBCstatusViewing .task}",
      "content": "# Viewing the Status of Your Criminal Background Check \n\nFollow these steps to check the status of an existing criminal background check \\(CBC\\) request.\n\n1.  Navigate to the NMLS Login page \\(Federal Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Select the **Federal** context, if the Context screen is displayed.\n\n    **Note:** Be sure you are in the Federal context by selecting **Federal** from the **You are currently** drop down list. Your screen should display the Federal Registry watermark.\n\n    \n\n4.  Select **Composite View** > **View Individual**.\n\n5.  Select **View Criminal Background Check Requests** on the left navigation panel.\n\n    From this page you can view the status of an existing request or click a link to schedule your fingerprint appointment if necessary. See the Fingerprint Status Reference Chart for explanations of status.\n\n**Parent topic:**Criminal Background Check",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_CBCstatusViewing.md",
      "relative_path": "maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_CBCstatusViewing.md",
      "headings": [
        "Viewing the Status of Your Criminal Background Check {#regFedMLO_CBCstatusViewing .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_CBCstatusViewing.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_MLOreqs.md:chunk-0",
      "title": "Federal Registration Requirements for MLOs {#fedRegMLO_MLOreqs .concept}",
      "content": "# Federal Registration Requirements for MLOs \n\nFederally chartered or insured institutions and their mortgage loan originators \\(MLOs\\) must be registered in NMLS. The chart below provides information pertinent to Federal Registrants’ requirements under the SAFE Act \\(Regulation G\\) and LO Compensation Rule.\n\nSAFE Mortgage Licensing Act – Federal Registration of Residential MLOs \\(Regulation G\\)\n\nLO Compensation Rule **effective January 2014**: New rules pertaining to loan originator qualifications that apply to **new** federally registered loan originators.\n\n\n\nRequirement\n\n\n\nIs Requirement Applicable to Federal Registrants?\n\n\n\nCompliance Deadline\n\n\n\nCriminal Background Check \\(CBC\\)\n\n\n\nYes, all MLOs who are required to be registered must complete CBC through the NMLS. .See Criminal Background Check for more details.\n\n\n\nAn individual is required to authorize a CBC via an initial MU4R filing. A CBC is also required when changing employers.\n\n\n\n**_LO Comp. Rule Effective January 2014:_**\n\n New registrants must meet the same felony standards as state-licensed MLOs \\(no felony within the past 7 years; no felony at any time that involves fraud, dishonesty, a breach of trust, or money laundering.\n\n\n\n**Education:**\n\n Pre-Licensure \\(PE\\) & Continuing Education \\(CE\\)\n\n\n\nNo, the SAFE Act does not require an individual to take NMLS Approved PE/CE in order to be actively registered.\n\n\n\nN/A\n\n\n\n**_LO Comp. Rule Effective January 2014:_**\n\n Periodic training that applies to an MLO's loan origination activities must be provided by the employing institution.\n\n\n\nTesting\n\n\n\nNo, the SAFE Act does not require an individual to take or pass the SAFE Tests in order to be actively registered.\n\n\n\nN/A\n\n\n\nFinancial Responsibility \\(Credit Report\\)\n\n\n\n**_LO Comp. Rule Effective January 2014:_**\n\n Employing institutions must obtain a credit report for new registrants outside of NMLS to use in determining financial responsibility. New registrants will be required to meet financial responsibility",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_MLOreqs.md",
      "relative_path": "maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_MLOreqs.md",
      "headings": [
        "Federal Registration Requirements for MLOs {#fedRegMLO_MLOreqs .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_MLOreqs.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_MLOreqs.md:chunk-1",
      "title": "Federal Registration Requirements for MLOs {#fedRegMLO_MLOreqs .concept}",
      "content": "Employing institutions must obtain a credit report for new registrants outside of NMLS to use in determining financial responsibility. New registrants will be required to meet financial responsibility standards and comply with the same felony restrictions that apply to state-licensed MLOs.\n\n\n**Parent topic:**Individual MU4R Registration\n\n**NMLS Reference Guide**  \n\nNMLS Processing Fees\n\nCorrecting Failed Payments\n\nNMLS Payment Options\n\n**NMLS Help**  \n\nAccount Administration\n\nChoosing Your Account Adminitstrators\n\nNMLS Two-Factor Authentication\n\nRequest an Individual Account\n\nNMLS Account Recovery\n\nManaging NMLS User Profiles",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_MLOreqs.md",
      "relative_path": "maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_MLOreqs.md",
      "headings": [
        "Federal Registration Requirements for MLOs {#fedRegMLO_MLOreqs .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_MLOreqs.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_MU4R_fields.md:chunk-0",
      "title": "MU4R Requirements {#regFedMLO_MU4R_fields .reference}",
      "content": "# MU4R Requirements \n\nThe MU4R must be submitted through the Nationwide Mortgage Licensing System & Registry \\(NMLS\\) by either the employing institution or the individual MLO. In either case, the MLO must attest to his or her information before the MU4R can be filed.\n\nThe MU4R includes the information outlined below.\n\n## Identifying Information \n\n|Field|Description|\n|-----|-----------|\n|First Name|Registrant’s legal first name|\n|Last Name|Registrant’s legal last name|\n|Middle Name|Registrant's legal middle name|\n|Suffix|Registrant's legal suffix|\n|Gender|Male/Female/Not Listed|\n|Social Security Number|As issued by Social Security Administration|\n|Date of Birth|Month/Day/Year of Birth|\n|State of Birth|State of Registrant’s birth|\n|Country / Province of Birth|Country / Province of Registrant’s birth|\n\n|Field|Description|\n|-----|-----------|\n|Business Phone|Work phone number|\n|Home Phone|Home phone number|\n|Cell Phone|Business mobile phone number, if available|\n|Fax Line|Business fax number if available|\n|Email Address|Business email address|\n\n|Field|Description|\n|-----|-----------|\n|If yes, check here|Select the checkbox if you would like to adjust your Full Name in NMLS|\n|First Name|Registrant’s legal first name|\n|Middle Name|Registrant’s legal last name|\n|Last Name|Registrant's legal middle name|\n|Suffix|Registrant's legal suffix|\n\nOther than your legal name, list all name\\(s\\) you are using or have used since the age of 18. Examples include nicknames, aliases, and names used before or after marriage.\n\n|Field|Description|\n|-----|-----------|\n|First Name|First Name Alias|\n|Middle Name|Full Middle Name Alias|\n|Last Name|Last Name Alias|\n|Suffix|Suffix Alias|\n\n## Current Residence \n\n|Field|Description|\n|-----|-----------|\n|Address|Physical address for primary residence|\n|City|Physical city for primary residence|\n|State|Physical state for primary residence|\n|Country / Province|Physical Country / Province for primary residence|\n|Postal Code|Physical zip+4 for primary re",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_MU4R_fields.md",
      "relative_path": "maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_MU4R_fields.md",
      "headings": [
        "MU4R Requirements {#regFedMLO_MU4R_fields .reference}",
        "Identifying Information {#section_hks_wnt_52c .section}",
        "Current Residence {#section_lp4_mst_52c .section}",
        "Employment History {#section_rgj_rst_52c .section}",
        "Disclosure Questions {#section_z4p_ctt_52c .section}",
        "Disciplinary Actions {#section_s4p_vtt_52c .section}",
        "Criminal Background Check {#section_xvj_kvt_52c .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_MU4R_fields.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_MU4R_fields.md:chunk-1",
      "title": "MU4R Requirements {#regFedMLO_MU4R_fields .reference}",
      "content": "City|Physical city for primary residence|\n|State|Physical state for primary residence|\n|Country / Province|Physical Country / Province for primary residence|\n|Postal Code|Physical zip+4 for primary residence|\n\n## Employment History \n\nProvide financial service-related history for the 10 years prior to the date of registration or renewal, including current employer.\n\n|Field|Description|\n|-----|-----------|\n|Will you be engaging in mortgage loan origination activities in your capacity as an employee of a financial institution \\(bank, savings and loan association, credit union, Farm Credit System institution or a subsidiary of the foregoing\\) that is regulated by the OCC, OTS, FDIC, Federal Reserve, NCUA, or Farm Credit Administration? If you are uncertain, please contact your employer before continuing.|\\(Y/N\\)|\n|Employer \\(company name\\)|Current employer|\n|Employer NMLS ID|NMLS Unique ID for employer|\n|From: \\(MM/DD/YYYY\\)|Start date of current employment in month, day and year format|\n|Check here if this is your current employer|Select checkbox if company is your current employer|\n|Work Location:|\n|Address|Work address|\n|City|Work city|\n|State|Work state|\n|Country / Province|Work country / province|\n|Postal Code|Work postal code|\n|Is the employment financial services related?|Select **Yes** or **No**|\n\n|Field|Description|\n|-----|-----------|\n|Employer \\(company name\\):|Previous employer’s name|\n|From: \\(MM/YYYY\\)|Start date \\(Month and year format\\)|\n|Check here if this is your current employer|Select checkbox if company is your current employer|\n|To: \\(MM/YYYY\\)|End date|\n|Address:|Previous work address|\n|City:|Previous work city|\n|State:|Previous work state|\n|Country / Province:|Previous work country / province|\n|Postal Code:|Previous work postal code|\n|Is the employment financial services related?|Select **Yes** or **No**|\n\n## Disclosure Questions \n\nAnswer Yes to any that are true.\n\n|Field|Description|\n|-----|-----------|\n|**Criminal Disclosure**|\n|\\(A\\)|Have you ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_MU4R_fields.md",
      "relative_path": "maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_MU4R_fields.md",
      "headings": [
        "MU4R Requirements {#regFedMLO_MU4R_fields .reference}",
        "Identifying Information {#section_hks_wnt_52c .section}",
        "Current Residence {#section_lp4_mst_52c .section}",
        "Employment History {#section_rgj_rst_52c .section}",
        "Disclosure Questions {#section_z4p_ctt_52c .section}",
        "Disciplinary Actions {#section_s4p_vtt_52c .section}",
        "Criminal Background Check {#section_xvj_kvt_52c .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_MU4R_fields.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_MU4R_fields.md:chunk-2",
      "title": "MU4R Requirements {#regFedMLO_MU4R_fields .reference}",
      "content": "nt financial services related?|Select **Yes** or **No**|\n\n## Disclosure Questions \n\nAnswer Yes to any that are true.\n\n|Field|Description|\n|-----|-----------|\n|**Criminal Disclosure**|\n|\\(A\\)|Have you ever been convicted of or pled guilty or nolo contendere \\(\"no contest\"\\) in a domestic, foreign, or military court to any criminal offense involving dishonesty, breach of trust, or money laundering or agreed to enter into a pretrial diversion or similar program in connection with the prosecution of such offense\\(s\\)?|‘Y’ or ‘N’|\n|\\(B\\)|Based upon the activities that occurred while you exercised control over an organization, has any such organization ever been convicted of or pled guilty or nolo contendere \\(\"no contest\"\\) in a domestic, foreign, or military court to any criminal offense involving dishonesty, breach of trust, or money laundering or agreed to enter into a pretrial diversion or similar program in connection with the prosecution of such offense\\(s\\)?|‘Y’ or ‘N’|\n|**Civil Judicial Disclosure**|\n|\\(C\\)|Has any domestic or foreign court ever:||\n|\\(1\\)|enjoined you, or taken other action against you, in connection with any financial services-related activity?|‘Y’ or ‘N’|\n|\\(2\\)|found that you were involved in a violation of any financial services-related statute\\(s\\) or regulation\\(s\\)?|‘Y’ or ‘N’|\n|\\(3\\)|dismissed, pursuant to a settlement agreement, a financial services-related civil action brought against you by a State, federal, or foreign financial regulatory authority?|‘Y’ or ‘N’|\n|**Regulatory Action**|\n|\\(D\\)|Has any State or federal regulatory agency or foreign financial regulatory authority ever:||\n|\\(1\\)|found you to have made a false statement or omission or been dishonest, unfair or unethical?|‘Y’ or ‘N’|\n|\\(2\\)|found you to have been involved in a violation of a financial services-related business regulation\\(s\\) or statute\\(s\\)?|‘Y’ or ‘N’|\n|\\(3\\)|found you to have been a cause of a financial services- related business having its authorization t",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_MU4R_fields.md",
      "relative_path": "maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_MU4R_fields.md",
      "headings": [
        "MU4R Requirements {#regFedMLO_MU4R_fields .reference}",
        "Identifying Information {#section_hks_wnt_52c .section}",
        "Current Residence {#section_lp4_mst_52c .section}",
        "Employment History {#section_rgj_rst_52c .section}",
        "Disclosure Questions {#section_z4p_ctt_52c .section}",
        "Disciplinary Actions {#section_s4p_vtt_52c .section}",
        "Criminal Background Check {#section_xvj_kvt_52c .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_MU4R_fields.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_MU4R_fields.md:chunk-3",
      "title": "MU4R Requirements {#regFedMLO_MU4R_fields .reference}",
      "content": "olation of a financial services-related business regulation\\(s\\) or statute\\(s\\)?|‘Y’ or ‘N’|\n|\\(3\\)|found you to have been a cause of a financial services- related business having its authorization to do business denied, suspended, revoked or restricted?|‘Y’ or ‘N’|\n|\\(4\\)|entered an order against you in connection with a financial services-related activity?|‘Y’ or ‘N’|\n|\\(5\\)|denied, suspended or revoked your registration or license to engage in a financial services-related activity, disciplined you, or otherwise by order, prevented you from associating with a financial services-related business or restricted your activities?|‘Y’ or ‘N’|\n|\\(6\\)|barred you from association with an entity or its officers regulated by such agency or foreign financial regulatory authority or from engaging in a financial services-related business?|‘Y’ or ‘N’|\n|\\(7\\)|issued a final order against you based on violations of any law or regulations that prohibit fraudulent, manipulative, or deceptive conduct?|‘Y’ or ‘N’|\n|**Customer Arbitration/Civil Litigation Disclosure**|\n|\\(F\\)|Have you ever been named as a respondent/defendant in a financial services-related consumer-initiated arbitration or civil litigation which:||\n|\\(1\\)|resulted in an arbitration award or civil judgment against you, regardless of amount, or that required corrective action; or|‘Y’ or ‘N’|\n|\\(2\\)|was settled for any amount?|‘Y’ or ‘N’|\n|\\(E\\)|Have you ever had an authorization to act as an attorney, accountant, or State or federal contractor that was revoked or suspended?|‘Y’ or ‘N’|\n\n## Disciplinary Actions \n\nProvide the requested information regarding the event resulting in a `Yes` response to one or more disclosure questions.\n\n|Field|Description|\n|-----|-----------|\n|Description of Disciplinary Action|Required: a brief statement describing what event the Action relates to \\(e.g., `Felony`, `Cease and Desist Order`\\).|\n|Action Type|Required: choose from drop-down menu.|\n|Action Type Description|Only required if `Ot",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_MU4R_fields.md",
      "relative_path": "maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_MU4R_fields.md",
      "headings": [
        "MU4R Requirements {#regFedMLO_MU4R_fields .reference}",
        "Identifying Information {#section_hks_wnt_52c .section}",
        "Current Residence {#section_lp4_mst_52c .section}",
        "Employment History {#section_rgj_rst_52c .section}",
        "Disclosure Questions {#section_z4p_ctt_52c .section}",
        "Disciplinary Actions {#section_s4p_vtt_52c .section}",
        "Criminal Background Check {#section_xvj_kvt_52c .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_MU4R_fields.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_MU4R_fields.md:chunk-4",
      "title": "MU4R Requirements {#regFedMLO_MU4R_fields .reference}",
      "content": "f statement describing what event the Action relates to \\(e.g., `Felony`, `Cease and Desist Order`\\).|\n|Action Type|Required: choose from drop-down menu.|\n|Action Type Description|Only required if `Other (Regulatory)` or “`Order (Regulatory)` is selected for **Action Type**. A description cannot be entered for other Action Types.|\n|Authority Type|Required: choose from drop-down menu.|\n|Name of Authority|Only required if `Other Federal Regulator`, `State regulator`, `Foreign Financial Regulator`, `Criminal Court`, or `Civil Court` is selected for **Authority Type**. A **Name of Authority** cannot be re-entered for other Authority Types.|\n|Date of Action|Required: must be entered in a `MM/DD/YYYY` format.|\n|Disciplinary Action Detail|Optional: If the MLO chooses to, he or she may provide a detailed description of the **Disciplinary Action** being disclosed.|\n|Applicable Questions|Required. Select the checkbox next to the disclosure question\\(s\\) with `Yes` responses related to the explanation you have provided. A single explanation can be associated to one or more questions and multiple explanations can be associated to a single question.|\n|Supporting File|You are required to upload any applicable supporting documentation by browsing for the document on your computer. Only a single PDF file \\(not exceeding 8 MB\\) can be uploaded for an event. However, multiple documents can be combined into a single file. Examples of documents may include: Criminal or Civil Court Documents, Administrative Orders, and other public documents issued by the Authority taking the specific Disciplinary Action.|\n\n## Criminal Background Check \n\nDemographic information required by the FBI to process fingerprint cards.\n\n|Field|Description|\n|-----|-----------|\n|Eye Color|Registrant’s eye color|\n|Hair Color|Registrant’s hair color|\n|Height|Registrant’s height in feet and inches|\n|Weight|Registrant’s weight in pounds|\n|Race|Registrant’s Race|\n\nThe employing institution or MLO will be required to at",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_MU4R_fields.md",
      "relative_path": "maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_MU4R_fields.md",
      "headings": [
        "MU4R Requirements {#regFedMLO_MU4R_fields .reference}",
        "Identifying Information {#section_hks_wnt_52c .section}",
        "Current Residence {#section_lp4_mst_52c .section}",
        "Employment History {#section_rgj_rst_52c .section}",
        "Disclosure Questions {#section_z4p_ctt_52c .section}",
        "Disciplinary Actions {#section_s4p_vtt_52c .section}",
        "Criminal Background Check {#section_xvj_kvt_52c .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_MU4R_fields.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_MU4R_fields.md:chunk-5",
      "title": "MU4R Requirements {#regFedMLO_MU4R_fields .reference}",
      "content": " Color|Registrant’s hair color|\n|Height|Registrant’s height in feet and inches|\n|Weight|Registrant’s weight in pounds|\n|Race|Registrant’s Race|\n\nThe employing institution or MLO will be required to attest, pay and submit their MU4R request through NMLS.\n\n**Parent topic:**Individual MU4R Registration\n\n**NMLS Reference Guide**  \n\nNMLS Processing Fees\n\nCorrecting Failed Payments\n\nNMLS Payment Options\n\n**NMLS Help**  \n\nAccount Administration\n\nChoosing Your Account Adminitstrators\n\nNMLS Two-Factor Authentication\n\nRequest an Individual Account\n\nNMLS Account Recovery\n\nManaging NMLS User Profiles",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_MU4R_fields.md",
      "relative_path": "maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_MU4R_fields.md",
      "headings": [
        "MU4R Requirements {#regFedMLO_MU4R_fields .reference}",
        "Identifying Information {#section_hks_wnt_52c .section}",
        "Current Residence {#section_lp4_mst_52c .section}",
        "Employment History {#section_rgj_rst_52c .section}",
        "Disclosure Questions {#section_z4p_ctt_52c .section}",
        "Disciplinary Actions {#section_s4p_vtt_52c .section}",
        "Criminal Background Check {#section_xvj_kvt_52c .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_MU4R_fields.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_MU4Ramend.md:chunk-0",
      "title": "Amending an MU4R {#fedRegMLO_MU4Ramend .task}",
      "content": "# Amending an MU4R \n\nAn MU4R may require amendment for any of the following reasons: revisions required by your employer; changed information on your record; events occur requiring updates to disclosures.\n\nPrior to submitting an amended filing, contact your employing institution if you are unsure of their policy on processing MU4R amendments on NMLS.\n\n1.  Navigate to the NMLS Login page \\(Federal Context\\).\n\n2.  Log in to your NMLS account.\n\n    **Note:** If you are landed on the NMLS Connect screen, select **NMLS Federal Registry** in the Quick Links section.\n\n    \n\n3.  Select the **Federal** context, if the Context screen is displayed.\n\n    **Note:** Be sure you are in the Federal context by selecting **Federal** from the **You are currently** drop down list. Your screen should display the Federal Registry watermark.\n\n    \n\n4.  To view your MU4R information and determine if it needs to be updated:\n\n    1.  Select **Filing** > **MU4R**.\n\n    2.  Click the **Federal Historical Filings** link on the left navigation panel.\n\n    3.  Click the **View** icon next to the most recent filing.\n\n        **Note:** If all current information is correct and up to date, no amendment is necessary.\n\n5.  If information should be updated or corrected, follow these steps to amend your MU4R:\n\n    1.  Select **Filing** > **MU4R**.\n\n    2.  Select the **Request New/Update** button.\n\n        **Note:** If you do not see the **Request New/Update** button, you may already have a pending filing and will need to select the **Edit** button to continue editing your pending MU4 filing or the **Delete** button to delete the pending filing that is outstanding.\n\n    3.  Select the links on the left navigation panel that require amendment, make the appropriate changes and click the **Save** button.\n\n        **Note:** If you need to update your work location details, click the **Edit** icon in the Employment Records section.\n\n    4.  Once all information is entered, proceed to Attest and Submit \\(the ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_MU4Ramend.md",
      "relative_path": "maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_MU4Ramend.md",
      "headings": [
        "Amending an MU4R {#fedRegMLO_MU4Ramend .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_MU4Ramend.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_MU4Ramend.md:chunk-1",
      "title": "Amending an MU4R {#fedRegMLO_MU4Ramend .task}",
      "content": "    **Note:** If you need to update your work location details, click the **Edit** icon in the Employment Records section.\n\n    4.  Once all information is entered, proceed to Attest and Submit \\(the last section on the left\\).\n\n    5.  Review the attestation statement, select the checkbox to verify your identity and click the **Submit** button.\n\n**Parent topic:**Individual MU4R Registration",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_MU4Ramend.md",
      "relative_path": "maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_MU4Ramend.md",
      "headings": [
        "Amending an MU4R {#fedRegMLO_MU4Ramend .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_MU4Ramend.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_attestMU4R.md:chunk-0",
      "title": "Attesting to MU4R {#regFedMLO_attestMU4R .task}",
      "content": "# Attesting to MU4R \n\nIf you are a Mortgage Loan Originator \\(MLO\\) and your employer has initiated a MU4R filing on your behalf, you will need to log into NMLS and review and confirm your information is true and accurate before your employer can submit the filing.\n\nYou will receive an e-mail from `NMLS_Notifications@NMLSNotifications.com` when your employer sends you a MU4R filing for attestation.\n\n1.  Navigate to the NMLS Login page \\(Federal Context\\).\n\n2.  Log in to your NMLS account.\n\n    **Note:** If you are landed on the NMLS Connect screen, select **NMLS Federal Registry** in the Quick Links section.\n\n    \n\n3.  Select the **Federal** context, if the Context screen is displayed.\n\n    **Note:** Be sure you are in the Federal context by selecting **Federal** from the **You are currently** drop down list. Your screen should display the Federal Registry watermark.\n\n    \n\n4.  Select **Composite View** > **View Individual**.\n\n5.  Click the **View Personal Information** link on the left navigation panel.\n\n6.  Confirm that your personal information is correct \\(**Social Security Number**, **Date of Birth**\\).\n\n7.  Click the Filing tab.\n\n8.  Click the **MU4R** link sub-menu option.\n\n    **Important:** Do not click the **Request New/Update** button.\n\n9.  If **Request New/Update** was already selected\n\n    1.  Click the **MU4R** link in the sub-menu again.\n\n    2.  Scroll down to the To Create, Update, or Submit an MU4R section and click the **Delete** button.\n\n    3.  Click the **OK** button when the pop up window opens.\n\n10. On the MU4R Filing\\(s\\) screen there is a section titled TO ATTEST.\n\n    You should see a filing with your employer’s name under Entity Created By in an `Attestation Required` status.\n\n11. Click the **Review and Attest** button next to the appropriate filing.\n\n12. Click each section on the navigation panel on the left. On each page make any additions and/or changes necessary.\n\n    These sections include:\n\n    -   Identifying Information\n    -   Ot",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_attestMU4R.md",
      "relative_path": "maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_attestMU4R.md",
      "headings": [
        "Attesting to MU4R {#regFedMLO_attestMU4R .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_attestMU4R.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_attestMU4R.md:chunk-1",
      "title": "Attesting to MU4R {#regFedMLO_attestMU4R .task}",
      "content": " filing.\n\n12. Click each section on the navigation panel on the left. On each page make any additions and/or changes necessary.\n\n    These sections include:\n\n    -   Identifying Information\n    -   Other Names\n    -   Employment Records\n    -   Current Residence\n    -   Disclosure Questions\n    -   Disciplinary Actions\n    -   Criminal Background Check\n13. Select the **Attest and Submit** link on the left navigation panel.\n\n    **Note:** All items listed on the Attest and Submit page must be cleared before the **Attest** button will be active at the bottom of the page.\n\n14. Click the box to certify that you are the named person above and agree to the language as stated and **Attest** at the bottom of the page to complete your attestation.\n\nNMLS will send an email notification to your employer letting them know that you have completed your attestation\n\nFor further assistance, please contact your employer.\n\n**Parent topic:**Individual MU4R Registration",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_attestMU4R.md",
      "relative_path": "maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_attestMU4R.md",
      "headings": [
        "Attesting to MU4R {#regFedMLO_attestMU4R .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_attestMU4R.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_confirmRenewalStatus.md:chunk-0",
      "title": "Confirming Your Registration Renewal {#regFedMLO_confirmRenewalStatus .task}",
      "content": "# Confirming Your Registration Renewal \n\nYou can confirm your registration renewal status at any time by viewing the Composite View tab.\n\nUse Composite View to verify that your registration has been renewed for the upcoming year and to see your current status.\n\n1.  Navigate to the NMLS Login page \\(Federal Context\\).\n\n2.  Log in to your NMLS account.\n\n    **Note:** If you are landed on the NMLS Connect screen, select **NMLS Federal Registry** in the Quick Links section.\n\n    \n\n3.  Select the **Federal** context, if the Context screen is displayed.\n\n    **Note:** Be sure you are in the Federal context by selecting **Federal** from the **You are currently** drop down list. Your screen should display the Federal Registry watermark.\n\n    \n\n4.  Select the **Composite View** tab.\n\n    **Note:** The Federal Registration List screen shows your current registration and renewal status. You may also access historical details from this area.\n\nYour current registration status is displayed in Composite View. If your status does not reflect the expected renewal, contact your employing institution.\n\n**Parent topic:**Individual Renewal",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_confirmRenewalStatus.md",
      "relative_path": "maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_confirmRenewalStatus.md",
      "headings": [
        "Confirming Your Registration Renewal {#regFedMLO_confirmRenewalStatus .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_confirmRenewalStatus.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_disciplinaryAction.md:chunk-0",
      "title": "Disciplinary Actions {#regFedMLO_disciplinaryAction .concept}",
      "content": "# Disciplinary Actions \n\n​To fulfill the requirements of the Consumer Financial Protection Bureau’s \\(CFPB’s\\) Regulation G, the NMLS Federal Registry collects information regarding disciplinary actions covered by the disclosure questions that individual mortgage loan originators \\(MLOs\\) are required to complete, and update as necessary, as part of the SAFE Mortgage Licensing Act of 2008 federal registration process.\n\nMLOs who have answered **Yes** to at least one disclosure question, and the institutions that employ them, should read through this information to understand what information is required and what information will be made public.\n\n**Note:** Most MLOs have answered **No** to all disclosure questions, so the information and requirements below will not apply to them them.\n\n## What are Disciplinary Actions? \n\nDisciplinary Actions are those final, adjudicated actions covered by the MU4R’s disclosure questions. MLOs who answer “Yes” to any disclosure question on the Form MU4R are required, as part of the MU4R submission process, to complete the Disciplinary Action section for each “Yes” response.\n\n## Why must MLOs provide this information to NMLS? \n\nInformation regarding these Disciplinary Actions is required at the direction of the Consumer Financial Protection Bureau’s \\(CFPB’s\\) direction. Please see the CFPB’s Communication on Disciplinary Actions for additional information.\n\n## What information must be provided? \n\nMLOs will be required to provide the following information for disciplinary actions that necessitate a **Yes** response to the MU4R disclosure questions:\n\n-   Action Type \\(Criminal, Regulatory, Civil Judicial, or Civil Regulatory\\)\n-   Name of Authority that took the Action being disclosed\n-   Date of Action\n-   Public \\(redacted\\) version of the Official Documentation related to the Action \\(e.g., court order or letter from regulatory authority\\), to be uploaded as a PDF file. Personally identifiable information such as the date of birth, so",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_disciplinaryAction.md",
      "relative_path": "maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_disciplinaryAction.md",
      "headings": [
        "Disciplinary Actions {#regFedMLO_disciplinaryAction .concept}",
        "What are Disciplinary Actions? {#section_jpd_3tv_bfc .section}",
        "Why must MLOs provide this information to NMLS? {#section_hgz_3tv_bfc .section}",
        "What information must be provided? {#section_stn_jtv_bfc .section}",
        "Will any of this information be made public? {#section_qhg_ltv_bfc .section}",
        "If an MLO has answered **No** to the disclosure questions, is anything required {#section_jcz_p5v_bfc .section}",
        "How can institutions manage this process? {#section_nlt_p5v_bfc .section}",
        "Who should I contact with questions? {#section_tgc_cvv_bfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_disciplinaryAction.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_disciplinaryAction.md:chunk-1",
      "title": "Disciplinary Actions {#regFedMLO_disciplinaryAction .concept}",
      "content": " Official Documentation related to the Action \\(e.g., court order or letter from regulatory authority\\), to be uploaded as a PDF file. Personally identifiable information such as the date of birth, social security number, residential address, personal telephone number or e-mail address must be redacted from the document prior to uploading to the NMLS&R.\n\nAdditionally, the MLO will have the option to provide an explanation of the disciplinary action, in his or her own words. This MLO-provided explanation is not required, but if provided, it must not contain personally identifiable information such as date of birth, social security number, residential address, personal telephone number or e-mail address.\n\nThe Disciplinary Actions Reference Guide provides a step-by-step explanation for completing this process.\n\n## Will any of this information be made public? \n\nYes. Beginning on March 18, 2013, the following fields will be displayed in NMLS Consumer Access:\n\n-   Action Type \\(Criminal, Regulatory, Civil Judicial, or Civil Regulatory\\)\n-   Name of Authority that took the Action being disclosed Date of Action\n-   Public \\(redacted\\) version of the Official Documentation related to the Action \\(e.g., court order or letter from regulatory authority\\), to be uploaded as a PDF file\n-   MLO’s explanation of the action, if the MLO chooses to provide one\n\n## If an MLO has answered **No** to the disclosure questions, is anything required \n\n?\n\nNo. MLOs that responded **No** to all disclosure questions do not need to complete any new sections, and do not need to update their records for this purpose. Most MLOs have answered “No” to all disclosure questions.\n\n## How can institutions manage this process? \n\nThe MU4R Detail Report provides institutions with an efficient way to determine which actively registered MLOs currently have **Yes** responses to any Disclosure Question and if they have provided the required Disciplinary Action information:\n\n-   Column AI of the MU4R Detail Repor",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_disciplinaryAction.md",
      "relative_path": "maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_disciplinaryAction.md",
      "headings": [
        "Disciplinary Actions {#regFedMLO_disciplinaryAction .concept}",
        "What are Disciplinary Actions? {#section_jpd_3tv_bfc .section}",
        "Why must MLOs provide this information to NMLS? {#section_hgz_3tv_bfc .section}",
        "What information must be provided? {#section_stn_jtv_bfc .section}",
        "Will any of this information be made public? {#section_qhg_ltv_bfc .section}",
        "If an MLO has answered **No** to the disclosure questions, is anything required {#section_jcz_p5v_bfc .section}",
        "How can institutions manage this process? {#section_nlt_p5v_bfc .section}",
        "Who should I contact with questions? {#section_tgc_cvv_bfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_disciplinaryAction.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_disciplinaryAction.md:chunk-2",
      "title": "Disciplinary Actions {#regFedMLO_disciplinaryAction .concept}",
      "content": "ich actively registered MLOs currently have **Yes** responses to any Disclosure Question and if they have provided the required Disciplinary Action information:\n\n-   Column AI of the MU4R Detail Report \\(“Disclosure Questions **Yes** Responses?”\\) will display a `Y` for any MLO who has answered **Yes** to at least one disclosure question. These MLOs are required to also complete the Disciplinary Action information.\n-   Column AJ of the MU4R Detail report \\(“Disciplinary Actions Exist?”\\) will be populated with a `Y` for any MLO who has completed the Disciplinary Action section. If an MLO has responded **Yes** to a disclosure question but has no Disciplinary Action information, he or she will need to file an updated MU4R with this information as soon as possible.\n\nInstitutions can also use the MU4R Detail Report to determine when the most recent Form MU4R was submitted \\(specifically, Column AU\\).\n\nInstitutions can initiate MU4R amendments for their MLOs, but the individual MLO will always need to log in to NMLS and attest to the amendment before it is considered formally submitted..\n\n## Who should I contact with questions? \n\nIndividuals and Institutions can refer to the CFPB’s Communication on Disciplinary Actions. Any inquiries regarding the interpretation of regulations that pertain to disclosure questions or disciplinary action requirements should be directed to the CFPB: CFPB\\_SAFEAct\\_Inquiries@cfpb.gov.\n\n**\\[1\\] 12 CFR 1007.103\\(d\\)\\(1\\)\\(iii\\)-\\(viii\\)**\n\n-   **Disciplinary Actions Reference Guide**  \nFederally registered mortgage loan originators are required to use NMLS in order to provide information regarding Disciplinary Actions covered by the MU4R’s Disclosure Questions.\n\n**NMLS Reference Guide**  \n\nNMLS Processing Fees\n\nCorrecting Failed Payments\n\nNMLS Payment Options\n\n**NMLS Help**  \n\nAccount Administration\n\nChoosing Your Account Adminitstrators\n\nNMLS Two-Factor Authentication\n\nRequest an Individual Account\n\nNMLS Account Recovery\n\nManaging NMLS User P",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_disciplinaryAction.md",
      "relative_path": "maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_disciplinaryAction.md",
      "headings": [
        "Disciplinary Actions {#regFedMLO_disciplinaryAction .concept}",
        "What are Disciplinary Actions? {#section_jpd_3tv_bfc .section}",
        "Why must MLOs provide this information to NMLS? {#section_hgz_3tv_bfc .section}",
        "What information must be provided? {#section_stn_jtv_bfc .section}",
        "Will any of this information be made public? {#section_qhg_ltv_bfc .section}",
        "If an MLO has answered **No** to the disclosure questions, is anything required {#section_jcz_p5v_bfc .section}",
        "How can institutions manage this process? {#section_nlt_p5v_bfc .section}",
        "Who should I contact with questions? {#section_tgc_cvv_bfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_disciplinaryAction.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_disciplinaryAction.md:chunk-3",
      "title": "Disciplinary Actions {#regFedMLO_disciplinaryAction .concept}",
      "content": "ment Options\n\n**NMLS Help**  \n\nAccount Administration\n\nChoosing Your Account Adminitstrators\n\nNMLS Two-Factor Authentication\n\nRequest an Individual Account\n\nNMLS Account Recovery\n\nManaging NMLS User Profiles",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_disciplinaryAction.md",
      "relative_path": "maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_disciplinaryAction.md",
      "headings": [
        "Disciplinary Actions {#regFedMLO_disciplinaryAction .concept}",
        "What are Disciplinary Actions? {#section_jpd_3tv_bfc .section}",
        "Why must MLOs provide this information to NMLS? {#section_hgz_3tv_bfc .section}",
        "What information must be provided? {#section_stn_jtv_bfc .section}",
        "Will any of this information be made public? {#section_qhg_ltv_bfc .section}",
        "If an MLO has answered **No** to the disclosure questions, is anything required {#section_jcz_p5v_bfc .section}",
        "How can institutions manage this process? {#section_nlt_p5v_bfc .section}",
        "Who should I contact with questions? {#section_tgc_cvv_bfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_disciplinaryAction.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_disciplinaryActionRefGuide.md:chunk-0",
      "title": "Disciplinary Actions Reference Guide {#regFedMLO_disciplinaryActionRefGuide .concept}",
      "content": "# Disciplinary Actions Reference Guide \n\nFederally registered mortgage loan originators are required to use NMLS in order to provide information regarding Disciplinary Actions covered by the MU4R’s Disclosure Questions.\n\n**Note:** Any explanation of a Disciplinary Action and related material can be amended or replaced, but the original submission will always remain part of the individual’s historical record in NMLS. It cannot be completely removed from NMLS by the MLO or their employing Institution.\n\n**Important:** Please carefully review any explanation prior to attestation and submission to make sure it is accurate and does not contain personally identifiable information such as date of birth, social security number, residential address, personal telephone number or e-mail address.\n\nEach Disciplinary Action explanation is comprised of the following information:\n\nBrief Description of Disciplinary Action\n:   Required; a brief statement describing what event the Action relates to \\(e.g. “Felony”, “Cease and Desist Order”\\).\n\nAction Type\n:   Required; choose from drop-down menu.\n\nAction Type Description\n:   Only required if “Other \\(Regulatory\\)” or “Order \\(Regulatory\\)” is selected for**Action Type**. A description cannot be entered for other Action Types.\n\nAuthority Type\n:   Required; choose from drop-down menu.\n\nName of Authority\n:   Only required if **Other Federal Regulator**, **State Regulator**, **Foreign Financial Regulator**; **Criminal Court** or **Civil Court** is selected for **Authority Type**. A Name of Authority cannot be entered for other Authority Types.\n\nDate of Final Action\n:   Required; must be entered in a `MM/DD/YYYY` format\n\nDisciplinary Action Detail \\(4,000 character limit\\)\n:   Optional. If the MLO chooses to, he or she may provide a detailed description of the Disciplinary Action being disclosed. This detailed description must not contain personally identifiable information such as date of birth, social security number, residential address,",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_disciplinaryActionRefGuide.md",
      "relative_path": "maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_disciplinaryActionRefGuide.md",
      "headings": [
        "Disciplinary Actions Reference Guide {#regFedMLO_disciplinaryActionRefGuide .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_disciplinaryActionRefGuide.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_disciplinaryActionRefGuide.md:chunk-1",
      "title": "Disciplinary Actions Reference Guide {#regFedMLO_disciplinaryActionRefGuide .concept}",
      "content": "scription of the Disciplinary Action being disclosed. This detailed description must not contain personally identifiable information such as date of birth, social security number, residential address, personal telephone number or e-mail address.\n\nApplicable Questions\n:   Required. Select the checkbox next to the disclosure question\\(s\\) with **Yes** responses related to the explanation you have provided. A single explanation can be associated to one or more questions and multiple explanations can be associated to a single question. Make sure that personally identifiable information such as date of birth, social security number, residential address, personal telephone number or e-mail address are not included in the explanation.\n\nSupporting File\n:   You are required to upload a public version of any applicable supporting documentation by browsing for the document on your computer. Only a single PDF file \\(not exceeding 8 MB\\) can be uploaded for an event. However, multiple documents can be combined into a single file. Examples of documents may include: Criminal or Civil Court Documents, Administrative Orders, and other public documents issued by the Authority taking the specific Disciplinary Action.\n\n    A separate explanation should be provided for each event resulting in a **Yes** response to a disclosure question. If providing multiple Disciplinary Action explanations, submit supporting documentation separately with each explanation. Do not merge documentation for separate Disciplinary Actions into one file. In addition, a single explanation can be associated to one or more disclosure questions.\n\n    **Important:** Make sure that personally identifiable information such as date of birth, social security number, residential address, personal telephone number or e-mail address are redacted and/or not included in the uploaded documents or included in any explanation.\n\nSee the following Examples below regarding how explanations can be entered in NMLS:\n\nPlease contact ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_disciplinaryActionRefGuide.md",
      "relative_path": "maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_disciplinaryActionRefGuide.md",
      "headings": [
        "Disciplinary Actions Reference Guide {#regFedMLO_disciplinaryActionRefGuide .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_disciplinaryActionRefGuide.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_disciplinaryActionRefGuide.md:chunk-2",
      "title": "Disciplinary Actions Reference Guide {#regFedMLO_disciplinaryActionRefGuide .concept}",
      "content": "address are redacted and/or not included in the uploaded documents or included in any explanation.\n\nSee the following Examples below regarding how explanations can be entered in NMLS:\n\nPlease contact your employer with any questions regarding interpretation of disclosure questions or the content of explanations.\n\n-   **Example One: One Yes Response, One Event**  \nAn MLO has been named in financial services-related consumer-initiated civil litigation \\(Event\\). The lawsuit was settled for some amount. In NMLS, the MLO would need to answer **Question \\(F\\)\\(2\\)**, related to certain civil litigation, **Yes**. The MLO would complete the required Disciplinary Action explanation for the event as follows:\n-   **Example Two: One Yes Response, Two Events**  \nAn MLO has twice previously been named in financial services-related consumer-initiated civil litigation \\(Event 1 and Event 2\\). Both lawsuits were settled for some amount. In NMLS, the MLO would need to answer **Question \\(F\\)\\(2\\)**, related to certain civil litigation, **Yes**. The MLO would complete a separate Disciplinary Action Explanation for each event as follows:\n-   **Example Three: Two Yes Responses, One Event**  \nAn MLO was found by a State regulator to have been dishonest, unfair or unethical \\(Regulatory Finding\\). In NMLS, he or she may need to answer questions \\(D\\)\\(1\\) and \\(D\\)\\(7\\), both related to dishonest or deceptive conduct, **Yes**. The MLO would complete the required Disciplinary Action explanation for the event as follows:\n-   **Example Four: Associating a State Regulatory Action \\(SRA\\) to a Disciplinary Action**  \nMLOs that need to disclose a Disciplinary Action that has already been tied to their NMLS record by a State Regulator will be able to reference that existing Action.\n\n**Parent topic:**Disciplinary Actions",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_disciplinaryActionRefGuide.md",
      "relative_path": "maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_disciplinaryActionRefGuide.md",
      "headings": [
        "Disciplinary Actions Reference Guide {#regFedMLO_disciplinaryActionRefGuide .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_disciplinaryActionRefGuide.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_disciplinaryActionRefGuide.md:chunk-3",
      "title": "Disciplinary Actions Reference Guide {#regFedMLO_disciplinaryActionRefGuide .concept}",
      "content": "**Disciplinary Actions",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_disciplinaryActionRefGuide.md",
      "relative_path": "maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_disciplinaryActionRefGuide.md",
      "headings": [
        "Disciplinary Actions Reference Guide {#regFedMLO_disciplinaryActionRefGuide .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_disciplinaryActionRefGuide.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_disciplineActionEx1.md:chunk-0",
      "title": "Example One: One **Yes** Response, One Event {#regFedMLO_disciplineActionEx1 .task}",
      "content": "# Example One: One **Yes** Response, One Event \n\nAn MLO has been named in financial services-related consumer-initiated civil litigation \\(Event\\). The lawsuit was settled for some amount. In NMLS, the MLO would need to answer **Question \\(F\\)\\(2\\)**, related to certain civil litigation, **Yes**. The MLO would complete the required Disciplinary Action explanation for the event as follows:\n\n**Important:** Make sure that personally identifiable information such as date of birth, social security number, residential address, personal telephone number or e-mail address are redacted and/or not included in the uploaded documents.\n\n1.  Navigate to the NMLS Login page \\(Federal Context\\).\n\n2.  Log in to your NMLS account.\n\n    **Note:** If you are landed on the NMLS Connect screen, select **NMLS Federal Registry** in the Quick Links section.\n\n    \n\n3.  Select the **Federal** context, if the Context screen is displayed.\n\n    **Note:** Be sure you are in the Federal context by selecting **Federal** from the **You are currently** drop down list. Your screen should display the Federal Registry watermark.\n\n    \n\n4.  Click **Add** on Disciplinary Actions page.\n\n5.  Provide **Brief Description of Disciplinary Action**.\n\n    **Important:** Do not include personally identifiable information such as date of birth, social security number, residential address, personal telephone number or e-mail address.\n\n6.  Provide **Action Type**.\n\n7.  Provide **Authority Type**.\n\n8.  Provide **Date of Action**.\n\n9.  Provide **Disciplinary Action Detail**, if the MLO chooses to do so.\n\n10. Associate **Applicable Question**.\n\n11. Select the **Browse** button and choose the supporting file from your computer for the Event.\n\n    **Important:** Make sure that personally identifiable information such as date of birth, social security number, residential address, personal telephone number or e-mail address are redacted and/or not included in the uploaded documents.\n\n12. Select **Save**.\n\nThe explanation is",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_disciplineActionEx1.md",
      "relative_path": "maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_disciplineActionEx1.md",
      "headings": [
        "Example One: One **Yes** Response, One Event {#regFedMLO_disciplineActionEx1 .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_disciplineActionEx1.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_disciplineActionEx1.md:chunk-1",
      "title": "Example One: One **Yes** Response, One Event {#regFedMLO_disciplineActionEx1 .task}",
      "content": "of birth, social security number, residential address, personal telephone number or e-mail address are redacted and/or not included in the uploaded documents.\n\n12. Select **Save**.\n\nThe explanation is listed on the Disciplinary Actions page for the event.\n\n**To Update or Delete an Action**: An explanation may be updated or deleted by selecting the edit icon next to the Description. However, previously submitted versions of the Action will be viewable in Historical Filings even after the Action is updated or deleted.\n\n**Parent topic:**Disciplinary Actions Reference Guide",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_disciplineActionEx1.md",
      "relative_path": "maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_disciplineActionEx1.md",
      "headings": [
        "Example One: One **Yes** Response, One Event {#regFedMLO_disciplineActionEx1 .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_disciplineActionEx1.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_disciplineActionEx2.md:chunk-0",
      "title": "Example Two: One **Yes** Response, Two Events {#regFedMLO_disciplineActionEx2 .task}",
      "content": "# Example Two: One **Yes** Response, Two Events \n\nAn MLO has twice previously been named in financial services-related consumer-initiated civil litigation \\(Event 1 and Event 2\\). Both lawsuits were settled for some amount. In NMLS, the MLO would need to answer **Question \\(F\\)\\(2\\)**, related to certain civil litigation, **Yes**. The MLO would complete a separate Disciplinary Action Explanation for each event as follows:\n\nComplete these steps for Event 1 and Event 2. The supporting documentation for each explanation must be specific to that explanation. In this example, the MLO would not be allowed to merge documentation related to both lawsuits into a single Supporting File.\n\n**Important:** Make sure that personally identifiable information such as date of birth, social security number, residential address, personal telephone number or e-mail address are redacted and/or not included in the uploaded documents.\n\n1.  Navigate to the NMLS Login page \\(Federal Context\\).\n\n2.  Log in to your NMLS account.\n\n    **Note:** If you are landed on the NMLS Connect screen, select **NMLS Federal Registry** in the Quick Links section.\n\n    \n\n3.  Select the **Federal** context, if the Context screen is displayed.\n\n    **Note:** Be sure you are in the Federal context by selecting **Federal** from the **You are currently** drop down list. Your screen should display the Federal Registry watermark.\n\n    \n\n4.  Click **Add** on Disciplinary Actions page.\n\n5.  Provide **Brief Description of Disciplinary Action**.\n\n    **Important:** Do not include personally identifiable information such as date of birth, social security number, residential address, personal telephone number or e-mail address.\n\n6.  Provide **Action Type**.\n\n7.  Provide **Authority Type**.\n\n8.  Provide **Date of Action**.\n\n9.  Provide **Disciplinary Action Detail**, if the MLO chooses to do so.\n\n10. Associate **Applicable Question**.\n\n11. Select the **Browse** button and choose the supporting file from your computer for t",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_disciplineActionEx2.md",
      "relative_path": "maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_disciplineActionEx2.md",
      "headings": [
        "Example Two: One **Yes** Response, Two Events {#regFedMLO_disciplineActionEx2 .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_disciplineActionEx2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_disciplineActionEx2.md:chunk-1",
      "title": "Example Two: One **Yes** Response, Two Events {#regFedMLO_disciplineActionEx2 .task}",
      "content": "  Provide **Disciplinary Action Detail**, if the MLO chooses to do so.\n\n10. Associate **Applicable Question**.\n\n11. Select the **Browse** button and choose the supporting file from your computer for the Event.\n\n    **Important:** Make sure that personally identifiable information such as date of birth, social security number, residential address, personal telephone number or e-mail address are redacted and/or not included in the uploaded documents.\n\n12. Select **Save**.\n\nA separate Action is listed on the **Disciplinary Actions** page for Events 1 and 2.\n\n**To Update or Delete an Action**: An explanation may be updated or deleted by selecting the edit icon next to the Description. However, previously submitted versions of the Action will be viewable in Historical Filings even after the Action is updated or deleted.\n\n**Parent topic:**Disciplinary Actions Reference Guide",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_disciplineActionEx2.md",
      "relative_path": "maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_disciplineActionEx2.md",
      "headings": [
        "Example Two: One **Yes** Response, Two Events {#regFedMLO_disciplineActionEx2 .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_disciplineActionEx2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_disciplineActionEx3.md:chunk-0",
      "title": "Example Three: Two **Yes** Responses, One Event {#regFedMLO_disciplineActionEx3 .task}",
      "content": "# Example Three: Two **Yes** Responses, One Event \n\nAn MLO was found by a State regulator to have been dishonest, unfair or unethical \\(Regulatory Finding\\). In NMLS, he or she may need to answer questions \\(D\\)\\(1\\) and \\(D\\)\\(7\\), both related to dishonest or deceptive conduct, **Yes**. The MLO would complete the required Disciplinary Action explanation for the event as follows:\n\nWhen completing Step 10 select the two Applicable Questions.\n\n**Important:** Make sure that personally identifiable information such as date of birth, social security number, residential address, personal telephone number or e-mail address are redacted and/or not included in the uploaded documents.\n\n1.  Navigate to the NMLS Login page \\(Federal Context\\).\n\n2.  Log in to your NMLS account.\n\n    **Note:** If you are landed on the NMLS Connect screen, select **NMLS Federal Registry** in the Quick Links section.\n\n    \n\n3.  Select the **Federal** context, if the Context screen is displayed.\n\n    **Note:** Be sure you are in the Federal context by selecting **Federal** from the **You are currently** drop down list. Your screen should display the Federal Registry watermark.\n\n    \n\n4.  Click **Add** on Disciplinary Actions page.\n\n5.  Provide **Brief Description of Disciplinary Action**.\n\n    **Important:** Do not include personally identifiable information such as date of birth, social security number, residential address, personal telephone number or e-mail address.\n\n6.  Provide **Action Type**.\n\n7.  Provide **Authority Type**.\n\n8.  Provide **Date of Action**.\n\n9.  Provide **Disciplinary Action Detail**, if the MLO chooses to do so.\n\n10. Select both **Applicable Question**.\n\n11. Select the **Browse** button and choose the supporting file from your computer for the Event.\n\n    **Important:** Make sure that personally identifiable information such as date of birth, social security number, residential address, personal telephone number or e-mail address are redacted and/or not included in the uploa",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_disciplineActionEx3.md",
      "relative_path": "maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_disciplineActionEx3.md",
      "headings": [
        "Example Three: Two **Yes** Responses, One Event {#regFedMLO_disciplineActionEx3 .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_disciplineActionEx3.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_disciplineActionEx3.md:chunk-1",
      "title": "Example Three: Two **Yes** Responses, One Event {#regFedMLO_disciplineActionEx3 .task}",
      "content": "e that personally identifiable information such as date of birth, social security number, residential address, personal telephone number or e-mail address are redacted and/or not included in the uploaded documents.\n\n12. Select **Save**.\n\nThe explanation is listed on the Disciplinary Action page for two Applicable Questions.\n\n**To Update or Delete an Action**: An explanation may be updated or deleted by selecting the edit icon next to the Description. However, previously submitted versions of the Action will be viewable in Historical Filings even after the Action is updated or deleted.\n\n**Parent topic:**Disciplinary Actions Reference Guide",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_disciplineActionEx3.md",
      "relative_path": "maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_disciplineActionEx3.md",
      "headings": [
        "Example Three: Two **Yes** Responses, One Event {#regFedMLO_disciplineActionEx3 .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_disciplineActionEx3.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_disciplineActionEx4.md:chunk-0",
      "title": "Example Four: Associating a State Regulatory Action \\(SRA\\) to a Disciplinary Action {#regFedMLO_disciplineActionEx4 .task}",
      "content": "# Example Four: Associating a State Regulatory Action \\(SRA\\) to a Disciplinary Action \n\nMLOs that need to disclose a Disciplinary Action that has already been tied to their NMLS record by a State Regulator will be able to reference that existing Action.\n\nThis process is an exception and does not apply to the majority of federally registered MLOs.\n\n**Important:** Make sure that personally identifiable information such as date of birth, social security number, residential address, personal telephone number or e-mail address are redacted and/or not included in the uploaded documents.\n\n1.  Navigate to the NMLS Login page \\(Federal Context\\).\n\n2.  Log in to your NMLS account.\n\n    **Note:** If you are landed on the NMLS Connect screen, select **NMLS Federal Registry** in the Quick Links section.\n\n    \n\n3.  Select the **Federal** context, if the Context screen is displayed.\n\n    **Note:** Be sure you are in the Federal context by selecting **Federal** from the **You are currently** drop down list. Your screen should display the Federal Registry watermark.\n\n    \n\n4.  Click **Add** on Disciplinary Actions page.\n\n5.  Select applicable SRA.\n\n6.  Select Associate SRA.\n\n7.  Provide **Brief Description of Disciplinary Action**.\n\n    **Important:** Do not include personally identifiable information such as date of birth, social security number, residential address, personal telephone number or e-mail address.\n\n8.  Provide **Disciplinary Action Detail**, if the MLO chooses to do so.\n\n9.  Associate **Applicable Question**.\n\n10. Select **Save**.\n\nThe explanation is listed on the Disciplinary Action page with associated SRA.\n\n**Parent topic:**Disciplinary Actions Reference Guide",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_disciplineActionEx4.md",
      "relative_path": "maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_disciplineActionEx4.md",
      "headings": [
        "Example Four: Associating a State Regulatory Action \\(SRA\\) to a Disciplinary Action {#regFedMLO_disciplineActionEx4 .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_disciplineActionEx4.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_employerChange.md:chunk-0",
      "title": "Changing Employers {#fedRegMLO_employerChange .task}",
      "content": "# Changing Employers \n\n1.  Navigate to the NMLS Login page \\(Federal Context\\).\n\n2.  Log in to your NMLS account.\n\n    **Note:** If you are landed on the NMLS Connect screen, select **NMLS Federal Registry** in the Quick Links section.\n\n    \n\n3.  Select the **Federal** context, if the Context screen is displayed.\n\n    **Note:** Be sure you are in the Federal context by selecting **Federal** from the **You are currently** drop down list. Your screen should display the Federal Registry watermark.\n\n    \n\n4.  Select **Filing** > **MU4R**.\n\n5.  Select the **Request New/Update** button.\n\n    **Note:** If you do not see the **Request New/Update** button, you may already have a pending filing and will need to select the **Edit** button to continue editing your pending MU4 filing or the **Delete** button to delete the pending filing that is outstanding.\n\n6.  Select **Identifying Information** on the left navigation panel.\n\n7.  Make any necessary changes to your contact information and click **Save**.\n\n8.  Select **Employment Records** on the left navigation panel.\n\n9.  Select the employment record you are terminating.\n\n10. Select **Terminate**.\n\n11. Enter the **employment end date** and click **Terminate**.\n\n12. If you will be paying and submitting the new MU4R, proceed to step 14.\n\n13. If your new employer will be managing and paying for the new MU4R submission:\n\n    1.  Select **Attest and Submit** on the left navigation panel.\n\n    2.  Once you have reviewed the attestation statement, check the box to certify your identity, then click **Submit Filing**.\n\n    3.  Consult with your institution to proceed.\n\n14. Select **Employment Records** on the left navigation panel.\n\n15. Click **Add Current**.\n\n16. Click **Yes** to indicate the institution is federal agency-regulated.\n\n    **Important:** If you select **Yes**, you are indicating that you are employed by a federal agency-regulated Institution. Contact your employer if you are unsure whether or not they are federal agency-",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_employerChange.md",
      "relative_path": "maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_employerChange.md",
      "headings": [
        "Changing Employers {#fedRegMLO_employerChange .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_employerChange.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_employerChange.md:chunk-1",
      "title": "Changing Employers {#fedRegMLO_employerChange .task}",
      "content": "*Important:** If you select **Yes**, you are indicating that you are employed by a federal agency-regulated Institution. Contact your employer if you are unsure whether or not they are federal agency-regulated.\n\n17. Search for your new employer by legal name or NMLS ID number.\n\n18. Choose the correct institution and click **Select**.\n\n19. Enter the required information and click **Save**.\n\n20. If you are adding a new federal agency-regulated Institution, you will be required to submit a new Criminal Background Check request.The following steps will help you request your new CBC:\n\n    1.  Select **Criminal Background Check Request** on the left navigation panel.\n\n    2.  Select **I am requesting a Federal Criminal Background Check**.\n\n    3.  Click the button next to the correct Criminal Background Check Method.\n\n    4.  Click **Save**.\n\n21. Once all information is entered, proceed to Attest and Submit \\(the last section on the left\\).\n\n    A legal attestation appears.\n\n22. Complete the attestation, then select the **Submit Filing** button to make your payment.\n\n23. You must select **I Agree** to the terms and conditions and select a payment method.\n\n    Acceptable forms of payment are Visa®, Mastercard®, and ACH.\n\n    **Note:** Using ACH is simple; all you need is your bank account number and bank’s routing number located on your check. NMLS will guide you through the rest.\n\n    Once payment is submitted you will see the Filing Submission message indicating your submission is being processed.\n\nFor further assistance, please contact your new employer.\n\n**Parent topic:**Individual MU4R Registration",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_employerChange.md",
      "relative_path": "maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_employerChange.md",
      "headings": [
        "Changing Employers {#fedRegMLO_employerChange .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_employerChange.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_fingerprintng.md:chunk-0",
      "title": "Completing the Criminal Background Check Process {#regFedMLO_fingerprintng .task}",
      "content": "# Completing the Criminal Background Check Process \n\nThe instructions below will walk you through the process of authorizing a criminal background check \\(CBC\\) and scheduling an appointment to have your fingerprints captured.\n\n1.  Navigate to the NMLS Login page \\(Federal Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Select the **Federal** context, if the Context screen is displayed.\n\n    **Note:** Be sure you are in the Federal context by selecting **Federal** from the **You are currently** drop down list. Your screen should display the Federal Registry watermark.\n\n    \n\n4.  Select **Filing** > **MU4R**.\n\n5.  Answer **Is your institution submitting and paying for the CBC authorization?** to determine next step:\n\n    -   **Yes**: Click the **Review and Attest** button to attest to an institution initiated MU4R. See Attesting to MU4R if this is your first time completing the MU4R Form.\n\n        **Note:** If option is not available contact your employer.\n\n    -   **No**: Click the **Request New/Update** button to complete and submit the MU4R Form. See MLO-initiated MU4R if this is your first time completing the MU4R Form.\n    **Note:** If you do not see the **Request New/Update** button, you may already have a pending filing and will need to select the **Edit** button to continue editing your pending MU4 filing or the **Delete** button to delete the pending filing that is outstanding.\n\n6.  Select the **Criminal Background Check** link on the left navigation panel.\n\n7.  Select **I am requesting a Federal Criminal Background Check**.\n\n    **Note:** In order to become registered for the first time a Criminal Background Check authorization is required to be completed by all Federal Registrants. Also, any time an MLO changes federal employers, another CBC is authorization is required.\n\n8.  Confirm one of the following background check methods.\n\n    -   **Submit New Prints**\n    -   **Use Existing Prints**\n    **Note:** Only methods available to you will be displayed.\n",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_fingerprintng.md",
      "relative_path": "maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_fingerprintng.md",
      "headings": [
        "Completing the Criminal Background Check Process {#regFedMLO_fingerprintng .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_fingerprintng.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_fingerprintng.md:chunk-1",
      "title": "Completing the Criminal Background Check Process {#regFedMLO_fingerprintng .task}",
      "content": " is required.\n\n8.  Confirm one of the following background check methods.\n\n    -   **Submit New Prints**\n    -   **Use Existing Prints**\n    **Note:** Only methods available to you will be displayed.\n\n9.  Complete the Demographics section and click **Save**\n\n10. Click **Next**.\n\n11. Once all information is entered, proceed to Attest and Submit \\(the last section on the left\\).\n\n    A legal attestation appears.\n\n12. Check the box verifying the attestation language.\n\n    1.  Click **Attest, no payment required**\n\n    2.  Click **Submit Filing and remit payment**\n\nOnce payment has been submitted, a fingerprinting appointment must be completed if **Submit New Prints** was the CBC method selected in the MU4R. Proceed to Scheduling your fingerprint appointment section of guide for further instructions.\n\n**Parent topic:**Criminal Background Check\n\n**Related information**  \n\nPrivacy Act Statement\n\nBenefits of Electronic \\(Live Scan\\) vs. Paper Card Fingerprint Capture",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_fingerprintng.md",
      "relative_path": "maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_fingerprintng.md",
      "headings": [
        "Completing the Criminal Background Check Process {#regFedMLO_fingerprintng .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_fingerprintng.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_getStarted.md:chunk-0",
      "title": "Individual MU4R Registration {#regFedMLO_getStarted .concept}",
      "content": "# Individual MU4R Registration \n\nThe NMLS Federal Registry is the system of record federally chartered or insured institutions and their mortgage loan originators \\(MLOs\\) must use to meet the registration requirement.\n\n## Step 1: Determine if You Must Register with NMLS \n\nAny individual who meets the definition of an MLO and is employed by a federal agency-regulated institution must register with NMLS. The NMLS federal registration process starts with your employing institution. Confirm your registration requirement with them before proceeding.\n\n## Step 2: Get Prepared \n\nYou must complete and attest to **Form MU4R** to register. This form is completed and submitted online through NMLS.\n\nPrepare by reviewing the required fields: MU4R Requirements\n\n## Step 3: Obtain an NMLS Account \n\n**Wait for your employer to create your account on NMLS.** Your employer can create your NMLS account. Once they have created your account, you will receive an email from NMLSNotifications with your username and temporary password. Log into NMLS with those credentials, then update your password and email address. Use an email address that you can access regardless of employment. You will need to maintain this account throughout your career in the mortgage industry.\n\n**If your employer is not creating an account on your behalf**, you can request an account yourself.\n\nSee Request an Individual NMLS Account.\n\n**Note:** The information used to create the account must be accurate, complete and reflect information found on legal documentation. Inaccurate information may result in one or more duplicate accounts. If duplicate accounts are created, the responsible individual or company is​ liable for all fees associated with resolving the error.\n\n**If you already have an existing NMLS account** because you are or were state licensed or federally registered, you must grant your employer access to your existing NMLS account. Your login information and NMLS ID do not change. If you have forgotten yo",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_getStarted.md",
      "relative_path": "maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_getStarted.md",
      "headings": [
        "Individual MU4R Registration {#regFedMLO_getStarted .concept}",
        "Step 1: Determine if You Must Register with NMLS {#section_gn1_nqg_52c .section}",
        "Step 2: Get Prepared {#section_hn1_nqg_52c .section}",
        "Step 3: Obtain an NMLS Account {#section_in1_nqg_52c .section}",
        "Step 4: Complete the Form MU4R {#section_jn1_nqg_52c .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_getStarted.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_getStarted.md:chunk-1",
      "title": "Individual MU4R Registration {#regFedMLO_getStarted .concept}",
      "content": "se you are or were state licensed or federally registered, you must grant your employer access to your existing NMLS account. Your login information and NMLS ID do not change. If you have forgotten your login credentials, select the **Forgot your Password?** link on the login page.\n\nSee Granting Access to Your Company.\n\nSee CFPB Privacy Notice.\n\n## Step 4: Complete the Form MU4R \n\nAsk your employer which of the three options below apply:\n\n1.  **Your employer is initiating, submitting and paying for your registration \\(Preferred \\):**Wait for NMLS to notify you to log into your account, then complete and attest to the Form MU4R. See Attesting to MU4R.\n2.  **Your employer is initiating your registration but you will be responsible for submitting and paying:**Wait for NMLS to notify you to log into your account, then complete, submit, and pay for the Form MU4R. See Institution-initiated MU4R.\n3.  **Your employer is requiring you to initiate, submit, and pay for your registration:**Log into NMLS, create a filing, complete and submit the Form MU4R filing, and pay. See MLO-initiated MU4R.\n\nIf you will be paying fees, see NMLS Payment Options for information on payment methods.​\n\n-   **MU4R Requirements**  \nThe MU4R must be submitted through the Nationwide Mortgage Licensing System & Registry \\(NMLS\\) by either the employing institution or the individual MLO. In either case, the MLO must attest to his or her information before the MU4R can be filed.\n-   **MU4R Definitions**  \n\n-   **Federal Registration Requirements for MLOs**  \nFederally chartered or insured institutions and their mortgage loan originators \\(MLOs\\) must be registered in NMLS. The chart below provides information pertinent to Federal Registrants’ requirements under the SAFE Act \\(Regulation G\\) and LO Compensation Rule.\n-   **Request an Individual NMLS Account**  \nIf you are a Mortgage Loan Originator, Control Person, Qualifying Individual, or Branch Manager, you need an NMLS Account to create and attest t",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_getStarted.md",
      "relative_path": "maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_getStarted.md",
      "headings": [
        "Individual MU4R Registration {#regFedMLO_getStarted .concept}",
        "Step 1: Determine if You Must Register with NMLS {#section_gn1_nqg_52c .section}",
        "Step 2: Get Prepared {#section_hn1_nqg_52c .section}",
        "Step 3: Obtain an NMLS Account {#section_in1_nqg_52c .section}",
        "Step 4: Complete the Form MU4R {#section_jn1_nqg_52c .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_getStarted.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_getStarted.md:chunk-2",
      "title": "Individual MU4R Registration {#regFedMLO_getStarted .concept}",
      "content": "tion Rule.\n-   **Request an Individual NMLS Account**  \nIf you are a Mortgage Loan Originator, Control Person, Qualifying Individual, or Branch Manager, you need an NMLS Account to create and attest to your record in NMLS.\n-   **Granting Access to Your Employing Institution**  \nHow a federally registered MLO grants access to their employing institution in NMLS.\n-   **Attesting to MU4R**  \nIf you are a Mortgage Loan Originator \\(MLO\\) and your employer has initiated a MU4R filing on your behalf, you will need to log into NMLS and review and confirm your information is true and accurate before your employer can submit the filing.\n-   **Institution-initiated MU4R**  \n If you are a mortgage loan originator \\(MLO\\) and your institution has initiated a MU4R Form on your behalf, but you will be paying the registration fee, you will need to log into your NMLS account, review the filing, submit your MU4R Form, and remit payment.\n-   **MLO-initiated MU4R**  \nIf you are required by your employer to complete and submit your own Form MU4R, the instructions below will help you complete this task.\n-   **Criminal Background Check**  \nPrior to registration, mortgage loan originators \\(MLOs\\) must submit fingerprints to NMLS \\(unless they already have fingerprints on file with NMLS\\) and authorize NMLS to process a criminal background check \\(CBC\\) with the FBI. The results of the CBC are returned to the employing institution through NMLS.\n-   **Viewing Your Registration Status**  \nYou can use the Federal MLO Registration List in NMLS to view the status of your MU4R. Each time the registration status is updated in NMLS, you will receive a system generated e-mail detailing the status change.\n-   **Amending an MU4R**  \nAn MU4R may require amendment for any of the following reasons: revisions required by your employer; changed information on your record; events occur requiring updates to disclosures.\n-   **Changing Employers**  \n\n-   **MLO Mergers and Acquisitions**  \nOnce your institut",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_getStarted.md",
      "relative_path": "maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_getStarted.md",
      "headings": [
        "Individual MU4R Registration {#regFedMLO_getStarted .concept}",
        "Step 1: Determine if You Must Register with NMLS {#section_gn1_nqg_52c .section}",
        "Step 2: Get Prepared {#section_hn1_nqg_52c .section}",
        "Step 3: Obtain an NMLS Account {#section_in1_nqg_52c .section}",
        "Step 4: Complete the Form MU4R {#section_jn1_nqg_52c .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_getStarted.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_getStarted.md:chunk-3",
      "title": "Individual MU4R Registration {#regFedMLO_getStarted .concept}",
      "content": "ns required by your employer; changed information on your record; events occur requiring updates to disclosures.\n-   **Changing Employers**  \n\n-   **MLO Mergers and Acquisitions**  \nOnce your institution has gone through the Mergers & Acquisition process in NMLS and has indicated your transfer of employment, you will receive a system generated email instructing you to log into your individual NMLS account and accept or deny the transfer.\n\n**NMLS Reference Guide**  \n\nNMLS Processing Fees\n\nCorrecting Failed Payments\n\nNMLS Payment Options\n\n**NMLS Help**  \n\nAccount Administration\n\nChoosing Your Account Adminitstrators\n\nNMLS Two-Factor Authentication\n\nRequest an Individual Account\n\nNMLS Account Recovery\n\nManaging NMLS User Profiles",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_getStarted.md",
      "relative_path": "maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_getStarted.md",
      "headings": [
        "Individual MU4R Registration {#regFedMLO_getStarted .concept}",
        "Step 1: Determine if You Must Register with NMLS {#section_gn1_nqg_52c .section}",
        "Step 2: Get Prepared {#section_hn1_nqg_52c .section}",
        "Step 3: Obtain an NMLS Account {#section_in1_nqg_52c .section}",
        "Step 4: Complete the Form MU4R {#section_jn1_nqg_52c .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_getStarted.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_grantingAccessToInstitution.md:chunk-0",
      "title": "Granting Access to Your Employing Institution {#xd_ba8a7cdd32c22609-3d69b93f-1996c469519--7fe2 .task}",
      "content": "# Granting Access to Your Employing Institution \n\nHow a federally registered MLO grants access to their employing institution in NMLS.\n\nObtain your employing institution's NMLS ID number.\n\nIn NMLS, the concept of “institution access” refers to the permission a federally registered Mortgage Loan Originator \\(MLO\\) gives to their employing depository institution \\(such as a bank, credit union, or savings association\\) to view and manage the MLO’s NMLS record.\n\n1.  Navigate to the NMLS Login page \\(Federal Context\\).\n\n2.  Log in to your NMLS account.\n\n    **Note:** If you are landed on the NMLS Connect screen, select **NMLS Federal Registry** in the Quick Links section.\n\n    \n\n3.  Select the **Federal** context, if the Context screen is displayed.\n\n    **Note:** Be sure you are in the Federal context by selecting **Federal** from the **You are currently** drop down list. Your screen should display the Federal Registry watermark.\n\n    \n\n4.  Select **Filing** > **Institution Access** from the menu.\n\n    The Institution Access screen is displayed.\n\n5.  Click the **Add** button.\n\n6.  Search for your employing institution using their NMLS ID number, legal name, or state.\n\n7.  Select the **checkbox** for the institution you wish to grant access to.\n\n8.  Click the **Save** button.\n\nThe institution is granted access to your record. Access allows an institution to view your record and submit a filing on your behalf. Any submission requires your review and attestation.\n\n**Parent topic:**Individual MU4R Registration",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_grantingAccessToInstitution.md",
      "relative_path": "maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_grantingAccessToInstitution.md",
      "headings": [
        "Granting Access to Your Employing Institution {#xd_ba8a7cdd32c22609-3d69b93f-1996c469519--7fe2 .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_grantingAccessToInstitution.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_illegiblePrints.md:chunk-0",
      "title": "Illegible Prints—Next Steps {#regFedMLO_illegiblePrints .task}",
      "content": "# Illegible Prints—Next Steps \n\nIf your criminal background check \\(CBC\\) results are returned “illegible,\" you need to request a new CBC through NMLS and have your fingerprints taken again. Follow these steps to authorize a subsequent criminal background check request after your first results have come back illegible.\n\n**Note:** If fingerprints were taken on cards provided to the MLO by Fieldprint the MLO can contact Fieldprint at 877-614-4361 to have the second set of prints submitted.\n\n1.  Navigate to the NMLS Login page \\(Federal Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Select the **Federal** context, if the Context screen is displayed.\n\n    **Note:** Be sure you are in the Federal context by selecting **Federal** from the **You are currently** drop down list. Your screen should display the Federal Registry watermark.\n\n    \n\n4.  Select **Filing** > **MU4R**.\n\n5.  Select the **Request New/Update** button.\n\n    **Note:** If you do not see the **Request New/Update** button, you may already have a pending filing and will need to select the **Edit** button to continue editing your pending MU4 filing or the **Delete** button to delete the pending filing that is outstanding.\n\n6.  Select the **Criminal Background Check** link on the left navigation panel.\n\n7.  Select **I am requesting a Federal Criminal Background Check**.\n\n    **Note:** In order to become registered for the first time a Criminal Background Check authorization is required to be completed by all Federal Registrants. Also, any time an MLO changes federal employers, another CBC is authorization is required.\n\n8.  Choose **Submit New Prints**.\n\n9.  Review the Demographics for accuracy and click **Save**.\n\n10. Once all information is entered, proceed to Attest and Submit \\(the last section on the left\\).\n\n    A legal attestation appears.\n\n11. Review the attestation statement, select the checkbox to verify your identity and click the **Submit** button.\n\n    You will see the Filing Submission message i",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_illegiblePrints.md",
      "relative_path": "maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_illegiblePrints.md",
      "headings": [
        "Illegible Prints—Next Steps {#regFedMLO_illegiblePrints .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_illegiblePrints.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_illegiblePrints.md:chunk-1",
      "title": "Illegible Prints—Next Steps {#regFedMLO_illegiblePrints .task}",
      "content": "\n\n    A legal attestation appears.\n\n11. Review the attestation statement, select the checkbox to verify your identity and click the **Submit** button.\n\n    You will see the Filing Submission message indicating your submission is being processed.\n\nFor further instructions regarding the criminal background check and fingerprinting process please contact your institution.\n\n**Parent topic:**Criminal Background Check",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_illegiblePrints.md",
      "relative_path": "maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_illegiblePrints.md",
      "headings": [
        "Illegible Prints—Next Steps {#regFedMLO_illegiblePrints .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_illegiblePrints.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_indRenew.md:chunk-0",
      "title": "Individual Renewal {#regFedMLO_indRenew .concept}",
      "content": "# Individual Renewal \n\nAs a federally registered MLO, you renew your registration annually in NMLS during the November 1–December 31 renewal period. Your employing institution initiates the request; you must log in and attest to your record to complete renewal. If you do not renew by December 31, your status becomes Inactive – Failed to Renew and can be restored later through reactivation.\n\nThe annual renewal period in NMLS runs from November 1 through December 31. Your employer initiates your renewal in NMLS; you complete it by logging in and attesting to your record. If you do not attest by December 31, your registration status becomes *Inactive – Failed to Renew* on January 1. Reactivation can be completed after January 1 following an employer request and your attestation.\n\nSee the Renewals for Federal Individuals self-paced e-learning course for a step-by-step walkthrough of the entire renewal process in NMLS.\n\n## Who must renew { .section}\n\nMLOs who were in *Active* status prior to July 1 must be renewed to maintain an *Active* registration for the next year.\n\n## What to expect during renewal { .section}\n\n-   **Employer initiates.** Your employing institution submits your renewal request in NMLS. You will then receive an email prompting you to log in and attest.\n-   **Attestation required.** Log in to NMLS, review your MU4R information, and attest to your record to complete renewal.\n-   **Reminder cadence.** If you have not completed attestation, reminder emails are sent after 5, 10, and 15 calendar days.\n\n## Before you start { .section}\n\nMake sure you can access your NMLS account and that your MU4R information is up to date.\n\n-   NMLS Login Page \\(log in to NMLS\\)\n\n## Confirming your status { .section}\n\nYou can verify your current and renewed status anytime in Composite View under View NMLS MLO Registration List\n\n## If you miss the deadline { .section}\n\nIf you do not attest by December 31, your status changes to *Inactive – Failed to Renew* on January 1. Your ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_indRenew.md",
      "relative_path": "maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_indRenew.md",
      "headings": [
        "Individual Renewal {#regFedMLO_indRenew .concept}",
        "Who must renew { .section}",
        "What to expect during renewal { .section}",
        "Before you start { .section}",
        "Confirming your status { .section}",
        "If you miss the deadline { .section}",
        "Related resources { .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_indRenew.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_indRenew.md:chunk-1",
      "title": "Individual Renewal {#regFedMLO_indRenew .concept}",
      "content": "posite View under View NMLS MLO Registration List\n\n## If you miss the deadline { .section}\n\nIf you do not attest by December 31, your status changes to *Inactive – Failed to Renew* on January 1. Your employer must submit a reactivation request, and you must log in and attest to return to *Active* status.\n\n## Related resources { .section}\n\n-   Renewing your NMLS MLO Registration\n-   Confirming Your Registration Renewal\n\n-   **Renewing your NMLS MLO Registration**  \nAfter your employer submits your MLO registration for renewal, log in to NMLS and attest to your record to complete the renewal process before December 31.\n-   **Confirming Your Registration Renewal**  \nYou can confirm your registration renewal status at any time by viewing the Composite View tab.\n\n**Parent topic:**Renewal and Reactivation Overview\n\n**NMLS Reference Guide**  \n\nNMLS Processing Fees\n\nCorrecting Failed Payments\n\nNMLS Payment Options\n\n**NMLS Help**  \n\nAccount Administration\n\nChoosing Your Account Adminitstrators\n\nNMLS Two-Factor Authentication\n\nRequest an Individual Account\n\nNMLS Account Recovery\n\nManaging NMLS User Profiles",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_indRenew.md",
      "relative_path": "maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_indRenew.md",
      "headings": [
        "Individual Renewal {#regFedMLO_indRenew .concept}",
        "Who must renew { .section}",
        "What to expect during renewal { .section}",
        "Before you start { .section}",
        "Confirming your status { .section}",
        "If you miss the deadline { .section}",
        "Related resources { .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_indRenew.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_institutionMU4R.md:chunk-0",
      "title": "Institution-initiated MU4R {#regFedMLO_institutionMU4R .task}",
      "content": "# Institution-initiated MU4R \n\nIf you are a mortgage loan originator \\(MLO\\) and your institution has initiated a MU4R Form on your behalf, but you will be paying the registration fee, you will need to log into your NMLS account, review the filing, submit your MU4R Form, and remit payment.\n\nUpon receipt of an email from `NMLS_Notifications@NMLSNotifications.com` indicating that an MU4R Form has been created on your behalf, you need to login to NMLS to complete the filing.\n\n1.  Navigate to the NMLS Login page \\(Federal Context\\).\n\n2.  Log in to your NMLS account.\n\n    **Note:** If you are landed on the NMLS Connect screen, select **NMLS Federal Registry** in the Quick Links section.\n\n    \n\n3.  Select the **Federal** context, if the Context screen is displayed.\n\n    **Note:** Be sure you are in the Federal context by selecting **Federal** from the **You are currently** drop down list. Your screen should display the Federal Registry watermark.\n\n    \n\n4.  Select **Filing** > **MU4R**.\n\n5.  Under To Create, Update, or Submit and MU4R on the MU4R Filing\\(s\\) screen, you should see a filing established with an `Unsubmitted Status`.\n\n6.  Select **Edit** to open the MU4R Form.\n\n7.  Review each section on the left navigation panel. If you find uncompleted sections or inaccuracies, make any necessary changes.\n\n8.  Select **Attest and Submit** on the left navigation panel.\n\n    Once any and all outstanding items on this page are addressed a legal attestation will appear.\n\n9.  Complete the attestation, then select the **Submit Filing** button to make your payment.\n\n10. You must select **I Agree** to the terms and conditions and select a payment method.\n\n    Acceptable forms of payment are Visa®, Mastercard®, and ACH.\n\n    **Note:** Using ACH is simple; all you need is your bank account number and bank’s routing number located on your check. NMLS will guide you through the rest.\n\n    Once payment is submitted you will see the Filing Submission message indicating your submission i",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_institutionMU4R.md",
      "relative_path": "maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_institutionMU4R.md",
      "headings": [
        "Institution-initiated MU4R {#regFedMLO_institutionMU4R .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_institutionMU4R.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_institutionMU4R.md:chunk-1",
      "title": "Institution-initiated MU4R {#regFedMLO_institutionMU4R .task}",
      "content": "unt number and bank’s routing number located on your check. NMLS will guide you through the rest.\n\n    Once payment is submitted you will see the Filing Submission message indicating your submission is being processed.\n\nSee **Completing the Criminal Background Check Process** to continue the Criminal Background Check process unless your employer has made other arrangements to have your fingerprints captured.\n\n**Parent topic:**Individual MU4R Registration",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_institutionMU4R.md",
      "relative_path": "maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_institutionMU4R.md",
      "headings": [
        "Institution-initiated MU4R {#regFedMLO_institutionMU4R .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_institutionMU4R.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_mlo_init_MU4R.md:chunk-0",
      "title": "MLO-initiated MU4R {#fedRegMLO_mlo_init_MU4R .task}",
      "content": "# MLO-initiated MU4R \n\nIf you are required by your employer to complete and submit your own Form MU4R, the instructions below will help you complete this task.\n\nRequest an Individual NMLS Account\n\nA list of information and documentation to have on hand to expedite the process:\n\n-   All names used since age the age of 18, including alias, aka, maiden name, etc.\n-   Employment Records, including to and from dates \\(MM/YY\\) and addresses for the past 10 years for any financial-services related employment\n\n    **Note:** Financial-services related employment is defined as: Pertaining to securities, commodities, banking, insurance, consumer lending, or real estate \\(including, but not limited to; acting as or being associated with a bank or savings association, credit union, Farm Credit System institution, mortgage lender, mortgage broker, real estate salesperson or agent, appraiser, closing agent, title institution, or escrow agent\\).\n\n-   Current Residential Information\n\n1.  Navigate to the NMLS Login page \\(Federal Context\\).\n\n2.  Log in to your NMLS account.\n\n    **Note:** If you are landed on the NMLS Connect screen, select **NMLS Federal Registry** in the Quick Links section.\n\n    \n\n3.  Select the **Federal** context, if the Context screen is displayed.\n\n    **Note:** Be sure you are in the Federal context by selecting **Federal** from the **You are currently** drop down list. Your screen should display the Federal Registry watermark.\n\n    \n\n4.  Select **Filing** > **MU4R**.\n\n5.  Select the **Request New/Update** button.\n\n    **Note:** If you do not see the **Request New/Update** button, you may already have a pending filing and will need to select the **Edit** button to continue editing your pending MU4 filing or the **Delete** button to delete the pending filing that is outstanding.\n\n6.  Complete each section shown on the left hand navigation guide, starting with Identifying Information through Criminal Background Check[^1]. Click **Save**, then click **Next** to ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_mlo_init_MU4R.md",
      "relative_path": "maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_mlo_init_MU4R.md",
      "headings": [
        "MLO-initiated MU4R {#fedRegMLO_mlo_init_MU4R .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_mlo_init_MU4R.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_mlo_init_MU4R.md:chunk-1",
      "title": "MLO-initiated MU4R {#fedRegMLO_mlo_init_MU4R .task}",
      "content": "is outstanding.\n\n6.  Complete each section shown on the left hand navigation guide, starting with Identifying Information through Criminal Background Check[^1]. Click **Save**, then click **Next** to move to the next section.\n\n    **Note:** When completing the Employment Records section, you can search for your company by selecting **Add Current** and entering your company’s name and state or NMLS ID. You can then select your company.\n\n    See **Completing the Criminal Background Check Process** to continue the Criminal Background Check process unless your employer has made other arrangements to have your fingerprints captured.\n\n7.  Once all information is entered, proceed to Attest and Submit \\(the last section on the left\\).\n\n    A legal attestation appears.\n\n8.  Complete the attestation, then select the **Submit Filing** button to make your payment.\n\n9.  You must select **I Agree** to the terms and conditions and select a payment method.\n\n    Acceptable forms of payment are Visa®, Mastercard®, and ACH.\n\n    **Note:** Using ACH is simple; all you need is your bank account number and bank’s routing number located on your check. NMLS will guide you through the rest.\n\n    Once payment is submitted you will see the Filing Submission message indicating your submission is being processed.\n\nFor further instructions regarding the criminal background check and fingerprinting process please contact your institution.\n\n**Note:** Your registration will not be activated until your finger prints have been taken and background check results are returned to your employer. Your employer completes a review of your MU4R and background check results before activating registration.\n\n**Parent topic:**Individual MU4R Registration\n\n[^1]: A Criminal Background Check authorization is required to be completed by all registrants.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_mlo_init_MU4R.md",
      "relative_path": "maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_mlo_init_MU4R.md",
      "headings": [
        "MLO-initiated MU4R {#fedRegMLO_mlo_init_MU4R .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_mlo_init_MU4R.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_mlo_init_MU4R.md:chunk-2",
      "title": "MLO-initiated MU4R {#fedRegMLO_mlo_init_MU4R .task}",
      "content": "o be completed by all registrants.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_mlo_init_MU4R.md",
      "relative_path": "maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_mlo_init_MU4R.md",
      "headings": [
        "MLO-initiated MU4R {#fedRegMLO_mlo_init_MU4R .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_mlo_init_MU4R.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_reactivation.md:chunk-0",
      "title": "Individual Reactivation {#regFedMLO_reactivation .task}",
      "content": "# Individual Reactivation \n\nIf your individual MLO registration status is `Inactive – Failed to Renew`, your employing institution can reactivate your registration through NMLS. The institution must initiate the process before you can complete Reactivation.\n\nOnce your institution has initiated the reactivation process, you receive a system generated email notification instructing you to log in to your account and attest.\n\n**Note:** Attestation reminders are sent via email notifications if reactivation attestation is not completed after 5, 10, and 15 calendar days.\n\nWhen you have received the attestation email notification, you can log in to your account to complete the Renewal/Reactivation process. If you need assistance retrieving your user name and password, see Managing NMLS User Profiles.\n\n1.  Navigate to the NMLS Login page \\(Federal Context\\).\n\n2.  Log in to your NMLS account.\n\n    **Note:** If you are landed on the NMLS Connect screen, select **NMLS Federal Registry** in the Quick Links section.\n\n    \n\n3.  Select the **Federal** context, if the Context screen is displayed.\n\n    **Note:** Be sure you are in the Federal context by selecting **Federal** from the **You are currently** drop down list. Your screen should display the Federal Registry watermark.\n\n    \n\n4.  Select **Renew/Reactivate**.\n\n    \n\n5.  Review and confirm your MU4R and the attestation language.\n\n6.  After review, if you determine that you need to update your record, select **Amend Record Information**.\n\n7.  Select the **Attest and Renew** button.\n\n    This completes the Reactivation process.\n\nYou will receive a system-generated email notification confirming you have completed the required steps for reactivation of your account.\n\n**Note:** To confirm your registration reactivation or renewal status, see Confirming Your Registration Renewal\n\n**Parent topic:**Renewal and Reactivation Overview\n\n**NMLS Reference Guide**  \n\nNMLS Processing Fees\n\nCorrecting Failed Payments\n\nNMLS Payment Options\n\n**",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_reactivation.md",
      "relative_path": "maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_reactivation.md",
      "headings": [
        "Individual Reactivation {#regFedMLO_reactivation .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_reactivation.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_reactivation.md:chunk-1",
      "title": "Individual Reactivation {#regFedMLO_reactivation .task}",
      "content": "us, see Confirming Your Registration Renewal\n\n**Parent topic:**Renewal and Reactivation Overview\n\n**NMLS Reference Guide**  \n\nNMLS Processing Fees\n\nCorrecting Failed Payments\n\nNMLS Payment Options\n\n**NMLS Help**  \n\nAccount Administration\n\nChoosing Your Account Adminitstrators\n\nNMLS Two-Factor Authentication\n\nRequest an Individual Account\n\nNMLS Account Recovery\n\nManaging NMLS User Profiles",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_reactivation.md",
      "relative_path": "maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_reactivation.md",
      "headings": [
        "Individual Reactivation {#regFedMLO_reactivation .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_reactivation.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_regStatusView.md:chunk-0",
      "title": "Viewing Your Registration Status {#fedRegMLO_regStatusView .task}",
      "content": "# Viewing Your Registration Status \n\nYou can use the Federal MLO Registration List in NMLS to view the status of your MU4R. Each time the registration status is updated in NMLS, you will receive a system generated e-mail detailing the status change.\n\n**Note:** To ensure you receive the system generated emails, be sure your email address is current in NMLS by following the instructions in Managing NMLS User Profiles.\n\n1.  Navigate to the NMLS Login page \\(Federal Context\\).\n\n2.  Log in to your NMLS account.\n\n    **Note:** If you are landed on the NMLS Connect screen, select **NMLS Federal Registry** in the Quick Links section.\n\n    \n\n3.  Select the **Federal** context, if the Context screen is displayed.\n\n    **Note:** Be sure you are in the Federal context by selecting **Federal** from the **You are currently** drop down list. Your screen should display the Federal Registry watermark.\n\n    \n\n4.  Select **Composite View** > **View Individual**.\n\n5.  Select **View Federal MLO Registration List** on the left navigation panel.\n\n    A list of Federal MLO Registrations along with their status will appear if your MU4R has been submitted and paid for.\n\n6.  Click on the regulator hyperlink to view the registration status history.\n\n**Parent topic:**Individual MU4R Registration\n\n**NMLS Reference Guide**  \n\nNMLS Processing Fees\n\nCorrecting Failed Payments\n\nNMLS Payment Options\n\n**NMLS Help**  \n\nAccount Administration\n\nChoosing Your Account Adminitstrators\n\nNMLS Two-Factor Authentication\n\nRequest an Individual Account\n\nNMLS Account Recovery\n\nManaging NMLS User Profiles",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_regStatusView.md",
      "relative_path": "maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_regStatusView.md",
      "headings": [
        "Viewing Your Registration Status {#fedRegMLO_regStatusView .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_regStatusView.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_renewalOverview.md:chunk-0",
      "title": "Renewal and Reactivation Overview {#regFedMLO_renewalOverview .concept}",
      "content": "# Renewal and Reactivation Overview \n\nAs a federally registered MLO, you renew your registration annually in NMLS during the November 1–December 31 renewal period. Your employing institution initiates the request, and you must log in and attest to your record to complete renewal. If you do not renew by December 31, your status becomes Inactive – Failed to Renew and can be reactivated later.\n\nEach year, federally registered Mortgage Loan Originators \\(MLOs\\) must renew their registration in NMLS. The renewal period runs from November 1 through December 31. Your employing institution initiates the renewal; you complete it by logging in to NMLS and attesting to your record. If you do not attest by December 31, your registration status becomes *Inactive – Failed to Renew* on January 1. You can return to an *Active* status later through *reactivation* after your employer initiates that request and you attest.\n\n## What to expect { .section}\n\n-   **Institution initiates.** Your employer submits your renewal \\(or, if needed after January 1, reactivation\\) in NMLS.\n-   **Email prompts.** After your employer submits, you receive an email telling you to log in and attest. Reminder emails are sent if you do not attest after several days.\n-   **Your action.** Log in to NMLS, review your MU4R information, and attest to complete your renewal or reactivation.\n-   **Status updates.** You can confirm your status anytime in Composite View under View NMLS MLO Registration List.\n\n## Renewal vs. Reactivation { .section}\n\n**Renewal** occurs during November 1–December 31 and keeps your registration *Active* for the next year. **Reactivation** is available after January 1 if your registration becomes *Inactive – Failed to Renew*; your employer must request reactivation and you must attest to return to *Active* status. The steps you take to attest are the same in both cases.\n\n## Related resources { .section}\n\n-   Individual Renewal\n-   Individual Reactivation\n\nIf you need assistance with you",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_renewalOverview.md",
      "relative_path": "maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_renewalOverview.md",
      "headings": [
        "Renewal and Reactivation Overview {#regFedMLO_renewalOverview .concept}",
        "What to expect { .section}",
        "Renewal vs. Reactivation { .section}",
        "Related resources { .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_renewalOverview.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_renewalOverview.md:chunk-1",
      "title": "Renewal and Reactivation Overview {#regFedMLO_renewalOverview .concept}",
      "content": "turn to *Active* status. The steps you take to attest are the same in both cases.\n\n## Related resources { .section}\n\n-   Individual Renewal\n-   Individual Reactivation\n\nIf you need assistance with your username or password, consult your employer or see the user account help topics. Contact the NMLS Call Center at 1-855-NMLS-123 for additional assistance.\n\n-   **Individual Renewal**  \nAs a federally registered MLO, you renew your registration annually in NMLS during the November 1–December 31 renewal period. Your employing institution initiates the request; you must log in and attest to your record to complete renewal. If you do not renew by December 31, your status becomes Inactive – Failed to Renew and can be restored later through reactivation.\n-   **Individual Reactivation**  \nIf your individual MLO registration status is `Inactive – Failed to Renew`, your employing institution can reactivate your registration through NMLS. The institution must initiate the process before you can complete Reactivation.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_renewalOverview.md",
      "relative_path": "maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_renewalOverview.md",
      "headings": [
        "Renewal and Reactivation Overview {#regFedMLO_renewalOverview .concept}",
        "What to expect { .section}",
        "Renewal vs. Reactivation { .section}",
        "Related resources { .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_renewalOverview.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_renewing.md:chunk-0",
      "title": "Renewing your NMLS MLO Registration {#regFedMLO_renewing .task}",
      "content": "# Renewing your NMLS MLO Registration \n\nAfter your employer submits your MLO registration for renewal, log in to NMLS and attest to your record to complete the renewal process before December 31.\n\nYour employing institution initiates your renewal in NMLS. When you receive the email prompting attestation, follow these steps to complete your renewal.\n\n1.  Navigate to the NMLS Login page \\(Federal Context\\).\n\n2.  Log in to your NMLS account.\n\n    **Note:** If you are landed on the NMLS Connect screen, select **NMLS Federal Registry** in the Quick Links section.\n\n    \n\n3.  Select the **Federal** context, if the Context screen is displayed.\n\n    **Note:** Be sure you are in the Federal context by selecting **Federal** from the **You are currently** drop down list. Your screen should display the Federal Registry watermark.\n\n    \n\n4.  Select **Renew/Reactivate**.\n\n    \n\n5.  Review and confirm your MU4R and the attestation language.\n\n6.  After review, if you determine that you need to update your record, select **Amend Record Information**.\n\n7.  Select the **Attest and Renew** button.\n\n    This completes the Renewal process.\n\nYou receive a confirmation email indicating you have completed your renewal. You can verify status in Composite View under Federal Registration List.\n\n**Parent topic:**Viewing Processed Renewal or Reactivation Uploads",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_renewing.md",
      "relative_path": "maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_renewing.md",
      "headings": [
        "Renewing your NMLS MLO Registration {#regFedMLO_renewing .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_renewing.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_renewing_2.md:chunk-0",
      "title": "Renewing your NMLS MLO Registration {#regFedMLO_renewing .task}",
      "content": "# Renewing your NMLS MLO Registration \n\nAfter your employer submits your MLO registration for renewal, log in to NMLS and attest to your record to complete the renewal process before December 31.\n\nYour employing institution initiates your renewal in NMLS. When you receive the email prompting attestation, follow these steps to complete your renewal.\n\n1.  Navigate to the NMLS Login page \\(Federal Context\\).\n\n2.  Log in to your NMLS account.\n\n    **Note:** If you are landed on the NMLS Connect screen, select **NMLS Federal Registry** in the Quick Links section.\n\n    \n\n3.  Select the **Federal** context, if the Context screen is displayed.\n\n    **Note:** Be sure you are in the Federal context by selecting **Federal** from the **You are currently** drop down list. Your screen should display the Federal Registry watermark.\n\n    \n\n4.  Select **Renew/Reactivate**.\n\n    \n\n5.  Review and confirm your MU4R and the attestation language.\n\n6.  After review, if you determine that you need to update your record, select **Amend Record Information**.\n\n7.  Select the **Attest and Renew** button.\n\n    This completes the Renewal process.\n\nYou receive a confirmation email indicating you have completed your renewal. You can verify status in Composite View under Federal Registration List.\n\n**Parent topic:**Individual Renewal",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_renewing_2.md",
      "relative_path": "maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_renewing_2.md",
      "headings": [
        "Renewing your NMLS MLO Registration {#regFedMLO_renewing .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_renewing_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_stateFederalContexts.md:chunk-0",
      "title": "Navigating Between State and Federal Contexts {#regFedMLO_stateFederalContexts .task}",
      "content": "# Navigating Between State and Federal Contexts \n\nNMLS allows individual MLOs to toggle between the “State” context for state licensing purposes and the “Federal” context for federal registration purposes. Follow the steps below to ensure you are logged in to the correct context of NMLS.\n\nIf you are unsure which context you should be in, please contact your employer.\n\n1.  Navigate to the NMLS Login page \\(Federal Context\\).\n\n2.  Log in to your NMLS account.\n\n    **Note:** If you are landed on the NMLS Connect screen, select **NMLS Federal Registry** in the Quick Links section.\n\n    \n\n3.  Select the **Federal** context, if the Context screen is displayed.\n\n    **Note:** Be sure you are in the Federal context by selecting **Federal** from the **You are currently** drop down list. Your screen should display the Federal Registry watermark.\n\n    \n\n**Note:** This is a temporary fix to ensure you are in the correct context of the system. If your computer automatically takes you to the incorrect context, this is likely the result of a “cookie” from previous visits to NMLS. To clear your browser cookies, see Log In Settings Incorrect?.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_stateFederalContexts.md",
      "relative_path": "maps\\NMLS\\licensing\\individual_Fed\\maps\\topics\\regFedMLO_stateFederalContexts.md",
      "headings": [
        "Navigating Between State and Federal Contexts {#regFedMLO_stateFederalContexts .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/individual_Fed/maps/topics/regFedMLO_stateFederalContexts.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/institution_Fed/maps/topics/regFedComp_MLO_CBC.md:chunk-0",
      "title": "Criminal Background Check {#xd_63ba310657609ca1-3e1d5a7b-19ad560d16b--7ffa .concept}",
      "content": "# Criminal Background Check \n\nPrior to registration, mortgage loan originators \\(MLOs\\) must submit fingerprints to NMLS \\(unless they already have fingerprints on file with NMLS\\) and authorize NMLS to process a criminal background check \\(CBC\\) with the FBI. The results of the CBC are returned to the employing institution through NMLS.\n\n## Step 1: Will the institution submit the Criminal Background Check authorization on behalf of the individual MLOs? \n\nAny individual who meets the definition of a mortgage loan originator and must be registered on NMLS is required to have a Federal CBC processed with the FBI.\n\nIn addition to initial registration, an individual will also need a new CBC when making an employment change.\n\n## Step 2: Authorizing a Criminal Background Check Request \n\nA CBC authorization must be completed prior to scheduling a fingerprint appointment. This authorization is processed through the MU4R filing on NMLS.\n\nIn order to determine the best method of authorizing a CBC request, an individual should consult with their institution to identify who will be submitting the CBC authorization via the MU4R. The following two options are available:\n\n-   An individual will complete and submit the MU4R form\n-   The institution will initiate and submit the MU4R on behalf of an individual\n\n## Step 3: Scheduling a fingerprint appointment via Fieldprint \n\nOnce an individual or employer has paid for the CBC request through NMLS, the MLO will be able to schedule a fingerprint appointment. Go to the Fieldprint Website to schedule the fingerprint appointment.\n\n## NMLS has developed the following options for submitting fingerprints: \n\n1. Submit New Prints via fingerprinting vendor, Fieldprint.\n:   NMLS has developed a nationwide network of approved live scan and paper card fingerprint sites, administered by NMLS’ fingerprinting vendor, Fieldprint. After providing necessary demographic information, authorizing and paying for the background check in NMLS, MLOs are direct",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedComp_MLO_CBC.md",
      "relative_path": "maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedComp_MLO_CBC.md",
      "headings": [
        "Criminal Background Check {#xd_63ba310657609ca1-3e1d5a7b-19ad560d16b--7ffa .concept}",
        "Step 1: Will the institution submit the Criminal Background Check authorization on behalf of the individual MLOs? {#section_r5y_yzb_nhc .section}",
        "Step 2: Authorizing a Criminal Background Check Request {#section_z1r_ntj_4hc .section}",
        "Step 3: Scheduling a fingerprint appointment via Fieldprint {#section_whp_c1c_nhc .section}",
        "NMLS has developed the following options for submitting fingerprints: {#section_kjg_21c_nhc .section}",
        "Step 4: Viewing CBC Status and Results {#section_fy4_jbc_nhc .section}",
        "Fees {#section_dmf_nfd_nhc .section}",
        "FBI Privacy Act Statement {#section_jjh_ggd_nhc .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/institution_Fed/maps/topics/regFedComp_MLO_CBC.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/institution_Fed/maps/topics/regFedComp_MLO_CBC.md:chunk-1",
      "title": "Criminal Background Check {#xd_63ba310657609ca1-3e1d5a7b-19ad560d16b--7ffa .concept}",
      "content": " fingerprint sites, administered by NMLS’ fingerprinting vendor, Fieldprint. After providing necessary demographic information, authorizing and paying for the background check in NMLS, MLOs are directed to the Fieldprint scheduling site to schedule an appointment at one of over 700 live scan locations where fingerprints can be captured and submitted electronically. If none of these sites are geographically convenient to an MLO, a visit can be scheduled at one of more than 6,000 local police departments where fingerprints can be taken on cards provided to the MLO by Fieldprint and then mailed to Fieldprint for scanning and submission to NMLS.\n\n    **Note:** After authorizing a new CBC and selecting to submit new fingerprints, fingerprints must be taken within 180 days. If fingerprints are not submitted within 180 days, the background check window will expire and a new CBC will need to be authorized and fees paid.\n\n2. Use existing fingerprints already on file with NMLS.\n:   If an individual has held a state license or federal registration in the past year, it is possible that NMLS already has fingerprints on file and new prints do not need to be submitted. The election of **Use Existing Prints** can be made via the MU4R to conduct a CBC for the purpose of federal registration.\n\n    **Note:** The option to use existing prints will only be available if the fingerprint records on file are less than 3 years old. Due to FBI rules, individuals will need to provide new fingerprints when requesting a new CBC if previously submitted fingerprints are more than 3 years old.\n\n3. Authorizing existing fingerprints via Fieldprint.\n:   NMLS recognizes that some institutions may have existing systems for fingerprint collections and a volume that makes it worthwhile to establish a direct connection. Due to the technical and legal requirements necessary to facilitate such an alternative fingerprint submission process, NMLS can only offer this option under the conditions listed below. If",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedComp_MLO_CBC.md",
      "relative_path": "maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedComp_MLO_CBC.md",
      "headings": [
        "Criminal Background Check {#xd_63ba310657609ca1-3e1d5a7b-19ad560d16b--7ffa .concept}",
        "Step 1: Will the institution submit the Criminal Background Check authorization on behalf of the individual MLOs? {#section_r5y_yzb_nhc .section}",
        "Step 2: Authorizing a Criminal Background Check Request {#section_z1r_ntj_4hc .section}",
        "Step 3: Scheduling a fingerprint appointment via Fieldprint {#section_whp_c1c_nhc .section}",
        "NMLS has developed the following options for submitting fingerprints: {#section_kjg_21c_nhc .section}",
        "Step 4: Viewing CBC Status and Results {#section_fy4_jbc_nhc .section}",
        "Fees {#section_dmf_nfd_nhc .section}",
        "FBI Privacy Act Statement {#section_jjh_ggd_nhc .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/institution_Fed/maps/topics/regFedComp_MLO_CBC.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/institution_Fed/maps/topics/regFedComp_MLO_CBC.md:chunk-2",
      "title": "Criminal Background Check {#xd_63ba310657609ca1-3e1d5a7b-19ad560d16b--7ffa .concept}",
      "content": "onnection. Due to the technical and legal requirements necessary to facilitate such an alternative fingerprint submission process, NMLS can only offer this option under the conditions listed below. If, after reviewing these conditions, your institution is interested in using existing fingerprint files collected outside of the NMLS network, please contact Fieldprint at 1-877-614-4365. Conditions are as follows:\n\n    A. Execution of a legal agreement between the institution and Fieldprint\n    :   Approved by State Regulatory Registry LLC In order to protect the integrity of fingerprints collected and maintained by NMLS, SRR requires certain quality controls be in place as institutions collect fingerprints that mirror those in place in the NMLS network. To ensure the required controls are in place and the agreement is consistent across participating institutions, the standard agreement cannot be adjusted.\n\n    B. Adherence to the Interface Control document\n    :   Fieldprint has developed an interface control document for the submission of existing fingerprints to NMLS. This document regulates submission of fingerprints and helps ensure that submitted fingerprints are connected with the correct mortgage loan originator’s record in NMLS. Institutions interested in submitting existing fingerprints or using its vendor to collect fingerprints for submission to NMLS must abide with the technical and policy requirements outlined in this document to ensure a uniform standard of all fingerprints collected by NMLS.\n\n    C. Institution must have a minimum of 1,500 MLOs registered in NMLS\n    :   Due to the costs associated with establishing monitoring, and maintaining this alternative submission process, SRR believes that the alternative process is only effective for institutions with a high volume of prints to process. As such, institutions must have a minimum of 1,500 MLOs registered in NMLS in order to participate in this alternative process.\n\n    D. The Institution’s fingerp",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedComp_MLO_CBC.md",
      "relative_path": "maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedComp_MLO_CBC.md",
      "headings": [
        "Criminal Background Check {#xd_63ba310657609ca1-3e1d5a7b-19ad560d16b--7ffa .concept}",
        "Step 1: Will the institution submit the Criminal Background Check authorization on behalf of the individual MLOs? {#section_r5y_yzb_nhc .section}",
        "Step 2: Authorizing a Criminal Background Check Request {#section_z1r_ntj_4hc .section}",
        "Step 3: Scheduling a fingerprint appointment via Fieldprint {#section_whp_c1c_nhc .section}",
        "NMLS has developed the following options for submitting fingerprints: {#section_kjg_21c_nhc .section}",
        "Step 4: Viewing CBC Status and Results {#section_fy4_jbc_nhc .section}",
        "Fees {#section_dmf_nfd_nhc .section}",
        "FBI Privacy Act Statement {#section_jjh_ggd_nhc .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/institution_Fed/maps/topics/regFedComp_MLO_CBC.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/institution_Fed/maps/topics/regFedComp_MLO_CBC.md:chunk-3",
      "title": "Criminal Background Check {#xd_63ba310657609ca1-3e1d5a7b-19ad560d16b--7ffa .concept}",
      "content": "th a high volume of prints to process. As such, institutions must have a minimum of 1,500 MLOs registered in NMLS in order to participate in this alternative process.\n\n    D. The Institution’s fingerprint acquisition vendor must be an FBI approved channeler\n    :   To ensure the institution’s selected vendor meets minimum information security and auditing requirements, the vendor providing fingerprint acquisition and management services to the institution must be an FBI approved channeler. List of FBI approved channelers\n\n        **Note:** All submissions must be completed through one connection. Institutions are responsible for the consolidation and management of prints from multiple livescan terminals.\n\n4. Schedule an onsite group appointment for a large number of individuals in a single location.\n:   Fieldprint can arrange an onsite visit to accommodate large groups of MLOs for a fee to cover travel and set-up. While it can be arranged for any size group, this typically makes sense if an institution has 30 or more MLOs to have fingerprinted at one time. For more information regarding onsite group appointments, see Group Appointments and Group Scheduling for Fingerprinting.\n\n    Please note that regardless of the submission method, fingerprints cannot be submitted to the Federal Registry until the MLO’s MU4R has been submitted and all appropriate fees have been paid.\n\n## Step 4: Viewing CBC Status and Results \n\nFingerprints are automatically processed with results reported back to NMLS from the FBI, usually within 48 hours of submission. Some exceptions to this may occur if an individual has been sent to Name Check processing where results may not be returned from the FBI for up to 90 days.\n\nTo view your employee’s CBC status and results see Viewing the Results of a CBC.\n\nTo help you determine what step your employee is on within the CBC process, please see the Fingerprint Status Reference Chart below:\n\n**Note:** If the FBI determines that the prints are illegible",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedComp_MLO_CBC.md",
      "relative_path": "maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedComp_MLO_CBC.md",
      "headings": [
        "Criminal Background Check {#xd_63ba310657609ca1-3e1d5a7b-19ad560d16b--7ffa .concept}",
        "Step 1: Will the institution submit the Criminal Background Check authorization on behalf of the individual MLOs? {#section_r5y_yzb_nhc .section}",
        "Step 2: Authorizing a Criminal Background Check Request {#section_z1r_ntj_4hc .section}",
        "Step 3: Scheduling a fingerprint appointment via Fieldprint {#section_whp_c1c_nhc .section}",
        "NMLS has developed the following options for submitting fingerprints: {#section_kjg_21c_nhc .section}",
        "Step 4: Viewing CBC Status and Results {#section_fy4_jbc_nhc .section}",
        "Fees {#section_dmf_nfd_nhc .section}",
        "FBI Privacy Act Statement {#section_jjh_ggd_nhc .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/institution_Fed/maps/topics/regFedComp_MLO_CBC.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/institution_Fed/maps/topics/regFedComp_MLO_CBC.md:chunk-4",
      "title": "Criminal Background Check {#xd_63ba310657609ca1-3e1d5a7b-19ad560d16b--7ffa .concept}",
      "content": "BC.\n\nTo help you determine what step your employee is on within the CBC process, please see the Fingerprint Status Reference Chart below:\n\n**Note:** If the FBI determines that the prints are illegible, you will receive a system notification and individual will be required to authorize a new CBC.\n\n\n\nFingerprint Status in Composite View\n\n\n\nAction Required by MLO?\n\n\n\n`Pending Fingerprint`\n\n\n\nYes, an individual needs to schedule through the Fieldprint website to have fingerprints taken.\n\n\n\n`Processing Fingerprints`\n\n\n\nNo action is needed from individual.\n\n A CBC request has been submitted, prints have been taken. The background check is being performed.\n\n\n\n`Processing Name Check`\n\n\n\nNo action is needed from individual.\n\n A background check is being performed using the “Name Check” method.\n\n\n\n`Expired`\n\n\n\nYes, if a CBC is required an individual needs to authorize a new CBC again via the MU4R in order to schedule a fingerprint appointment or fingerprints were not taken within the 180 day allotted time.\n\n **Note:** Expired prints does **not** suggest that new prints are required to be submitted for the purpose of a CBC. To determine if a new CBC is required, please contact your employer.\n\n\n\n`Closed` but the **Reason Closed** field shows `illegible`\n\n\n\nYes, a new CBC must be authorized via the MU4R in order to schedule a fingerprint appointment again. Payment is **not** required during CBC authorization.\n\n Prints were categorized as illegible by the FBI.\n\n\n\n`Closed` but the **Reason Closed** field shows `received`\n\n\n\nNo action needed from the individual.\n\n Process is complete.\n\n\n**Note:** If the FBI determines that the prints are illegible, you will receive a system notification and will be required to authorize a new CBC.\n\n## Fees \n\n\n\nLive Scan\n\n\n\n\\(electronic\\) $36.25 CBC Processing Fee\n\n\n\nPaper Card Capture[^1]\\(if Live Scan is not selected\\)\n\n\n\n$36.25 CBC Processing Fee\n\n $10.00 Card Packet Fee\n\n **$46.25 Total**\n\n\n## Refund Policy \n\nPayments collected through the NMLS ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedComp_MLO_CBC.md",
      "relative_path": "maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedComp_MLO_CBC.md",
      "headings": [
        "Criminal Background Check {#xd_63ba310657609ca1-3e1d5a7b-19ad560d16b--7ffa .concept}",
        "Step 1: Will the institution submit the Criminal Background Check authorization on behalf of the individual MLOs? {#section_r5y_yzb_nhc .section}",
        "Step 2: Authorizing a Criminal Background Check Request {#section_z1r_ntj_4hc .section}",
        "Step 3: Scheduling a fingerprint appointment via Fieldprint {#section_whp_c1c_nhc .section}",
        "NMLS has developed the following options for submitting fingerprints: {#section_kjg_21c_nhc .section}",
        "Step 4: Viewing CBC Status and Results {#section_fy4_jbc_nhc .section}",
        "Fees {#section_dmf_nfd_nhc .section}",
        "FBI Privacy Act Statement {#section_jjh_ggd_nhc .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/institution_Fed/maps/topics/regFedComp_MLO_CBC.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/institution_Fed/maps/topics/regFedComp_MLO_CBC.md:chunk-5",
      "title": "Criminal Background Check {#xd_63ba310657609ca1-3e1d5a7b-19ad560d16b--7ffa .concept}",
      "content": "cessing Fee\n\n\n\nPaper Card Capture[^1]\\(if Live Scan is not selected\\)\n\n\n\n$36.25 CBC Processing Fee\n\n $10.00 Card Packet Fee\n\n **$46.25 Total**\n\n\n## Refund Policy \n\nPayments collected through the NMLS are non-refundable and non-transferable.\n\n## FBI Privacy Act Statement \n\nFBI Privacy Act\n\n**Parent topic:**Managing MLO Criminal Background Checks\n\n**Related information**  \n\nCFPB Privacy Notice\n\nPrivacy Act Statement\n\nBenefits of Electronic \\(Live Scan\\) vs. Paper Card Fingerprint Capture\n\n**NMLS Federal MLO Registration Guide**  \n\nMLO-initiated MU4R\n\nAttesting to MU4R\n\nChanging Employers\n\n[^1]: Paper Card Capture costs more due to the manual processing of fingerprints.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedComp_MLO_CBC.md",
      "relative_path": "maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedComp_MLO_CBC.md",
      "headings": [
        "Criminal Background Check {#xd_63ba310657609ca1-3e1d5a7b-19ad560d16b--7ffa .concept}",
        "Step 1: Will the institution submit the Criminal Background Check authorization on behalf of the individual MLOs? {#section_r5y_yzb_nhc .section}",
        "Step 2: Authorizing a Criminal Background Check Request {#section_z1r_ntj_4hc .section}",
        "Step 3: Scheduling a fingerprint appointment via Fieldprint {#section_whp_c1c_nhc .section}",
        "NMLS has developed the following options for submitting fingerprints: {#section_kjg_21c_nhc .section}",
        "Step 4: Viewing CBC Status and Results {#section_fy4_jbc_nhc .section}",
        "Fees {#section_dmf_nfd_nhc .section}",
        "FBI Privacy Act Statement {#section_jjh_ggd_nhc .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/institution_Fed/maps/topics/regFedComp_MLO_CBC.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MLOmanage_CBC.md:chunk-0",
      "title": "Managing MLO Criminal Background Checks {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7fd5 .concept}",
      "content": "# Managing MLO Criminal Background Checks \n\nInstitutions can track the status and view the results of Mortgage Loan Originators’ \\(MLOs\\) Criminal Background Checks \\(CBCs\\) through NMLS.\n\nInstitutions are responsible for monitoring the Criminal Background Check \\(CBC\\) status of their MLOs and reviewing results once they are available in NMLS. The CBC process ensures that MLOs meet federal requirements for registration under the SAFE Act.\n\nNMLS provides institution users with tools to:\n\n-   Check the status of CBC requests to see whether fingerprints have been taken and processed\n-   View the final results of CBCs, including whether records are clear or if a RAP sheet is available\n-   Identify and address cases where fingerprints are rejected, illegible, or expired\n-   Access CBC results before confirming employment of an MLO\n\nCBC statuses displayed in NMLS include\n\n-   `Pending Fingerprints`\n-   `Processing Fingerprints`\n-   `Processing Name Check`\n-   `Closed`\n-   `Expired`\n\n.\n\nResults are only available to the institution; NMLS does not provide CBC results directly to individuals.\n\n-   **Criminal Background Check**  \nPrior to registration, mortgage loan originators \\(MLOs\\) must submit fingerprints to NMLS \\(unless they already have fingerprints on file with NMLS\\) and authorize NMLS to process a criminal background check \\(CBC\\) with the FBI. The results of the CBC are returned to the employing institution through NMLS.\n-   **Group Appointments and Group Scheduling for Fingerprinting**  \nPrior to a group appointment or group scheduling, a Criminal Background Check Authorization must be submitted in NMLS for each individual that will be fingerprinted during the session. Each individual will need to print out and bring a copy of the Criminal Background Check Requests page from their NMLS account.\n-   **Checking the Status of a CBC Request**  \nCheck the status of a Mortgage Loan Originator’s \\(MLO’s\\) Criminal Background Check \\(CBC\\) request in NMLS.\n-   **Viewin",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MLOmanage_CBC.md",
      "relative_path": "maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MLOmanage_CBC.md",
      "headings": [
        "Managing MLO Criminal Background Checks {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7fd5 .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MLOmanage_CBC.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MLOmanage_CBC.md:chunk-1",
      "title": "Managing MLO Criminal Background Checks {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7fd5 .concept}",
      "content": " page from their NMLS account.\n-   **Checking the Status of a CBC Request**  \nCheck the status of a Mortgage Loan Originator’s \\(MLO’s\\) Criminal Background Check \\(CBC\\) request in NMLS.\n-   **Viewing the Results of a CBC**  \nView the results of a Mortgage Loan Originator’s \\(MLO’s\\) Criminal Background Check \\(CBC\\) once the request is complete in NMLS.\n\n**Parent topic:**Registering Your MLOs with NMLS",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MLOmanage_CBC.md",
      "relative_path": "maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MLOmanage_CBC.md",
      "headings": [
        "Managing MLO Criminal Background Checks {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7fd5 .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MLOmanage_CBC.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MLOmanage_CBCviewResult.md:chunk-0",
      "title": "Viewing the Results of a CBC {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7fd3 .task}",
      "content": "# Viewing the Results of a CBC \n\nView the results of a Mortgage Loan Originator’s \\(MLO’s\\) Criminal Background Check \\(CBC\\) once the request is complete in NMLS.\n\nInstitutions can review the outcome of a CBC request after the status is listed as `Closed`. Results provide confirmation of whether the MLO’s record is clear or if criminal history information is available for review.\n\n1.  Navigate to the NMLS Login page \\(Federal Context\\).\n\n2.  Log in to your NMLS account.\n\n    **Note:** If you are landed on the NMLS Connect screen, select **NMLS Federal Registry** in the Quick Links section.\n\n    \n\n3.  Select the **Federal** context, if the Context screen is displayed.\n\n    **Note:** Be sure you are in the Federal context by selecting **Federal** from the **You are currently** drop down list. Your screen should display the Federal Registry watermark.\n\n    \n\n4.  Select **Composite View** > **View Individual**.\n\n5.  Enter the MLO’s identifying information and click the **ID** link.\n\n6.  Select **View Criminal Background Check Requests** from the left navigation panel.\n\n7.  Review the CBC results displayed in the Criminal Background Check Requests section.\n\n    **Note:**\n\n    -   A result of `Clear` indicates no findings.\n    -   A result of `RAP` indicates criminal history was returned. Select the hyperlink to view the RAP sheet.\n    CBC results are only available to the institution; they are not provided directly to the MLO.\n\n**Parent topic:**Managing MLO Criminal Background Checks",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MLOmanage_CBCviewResult.md",
      "relative_path": "maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MLOmanage_CBCviewResult.md",
      "headings": [
        "Viewing the Results of a CBC {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7fd3 .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MLOmanage_CBCviewResult.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MLOmanage_CBScheckStatus.md:chunk-0",
      "title": "Checking the Status of a CBC Request {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7fd4 .task}",
      "content": "# Checking the Status of a CBC Request \n\nCheck the status of a Mortgage Loan Originator’s \\(MLO’s\\) Criminal Background Check \\(CBC\\) request in NMLS.\n\nInstitution users can track the progress of a CBC request for an MLO. Status values indicate where the MLO is in the background check process and help determine if additional action is required.\n\n1.  Navigate to the NMLS Login page \\(Federal Context\\).\n\n2.  Log in to your NMLS account.\n\n    **Note:** If you are landed on the NMLS Connect screen, select **NMLS Federal Registry** in the Quick Links section.\n\n    \n\n3.  Select the **Federal** context, if the Context screen is displayed.\n\n    **Note:** Be sure you are in the Federal context by selecting **Federal** from the **You are currently** drop down list. Your screen should display the Federal Registry watermark.\n\n    \n\n4.  Select **Composite View** > **View Individual**.\n\n5.  Enter the MLO’s identifying information and click the **ID** link.\n\n6.  Select **View Criminal Background Check Requests** from the left navigation panel.\n\n7.  Review the status displayed in the Criminal Background Check Requests section.\n\n    **Note:** Status values may include:\n\n    -   `Pending Fingerprints` – CBC request submitted, fingerprints not yet taken.\n    -   `Processing Fingerprints` – Fingerprints taken, CBC in progress.\n    -   `Processing Name Check` – CBC in progress using the name check method.\n    -   `Closed` – CBC completed; result may be received, rejected, or illegible.\n    -   `Expired` – Fingerprints not taken within 180 days; a new CBC request is required.\n\n**Parent topic:**Managing MLO Criminal Background Checks",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MLOmanage_CBScheckStatus.md",
      "relative_path": "maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MLOmanage_CBScheckStatus.md",
      "headings": [
        "Checking the Status of a CBC Request {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7fd4 .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MLOmanage_CBScheckStatus.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MLOmanage_MLObatchUpload.md:chunk-0",
      "title": "MLO Batch Upload {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7fee .concept}",
      "content": "# MLO Batch Upload \n\nThe MLO Batch Upload process allows institutions to register multiple Mortgage Loan Originators \\(MLOs\\) at one time by creating and submitting a batch file to NMLS.\n\nThe **MLO Batch Upload** functionality in NMLS enables institutions to register several Mortgage Loan Originators at once by creating a batch file in comma-separated value \\(CSV\\) format. Each record in the batch file can be used to create a new individual account in NMLS and/or initiate an MU4R filing on the MLO’s behalf.\n\nInstitutions must ensure that the data provided in the batch file is accurate and formatted according to NMLS specifications. Incorrect or incomplete data can result in duplicate accounts or rejected records, which the institution will be responsible for correcting. Resources, templates, and file specifications are available on the NMLS Federal Registry Resource Center.\n\nAfter the batch file is uploaded, NMLS processes the file and generates results that indicate whether each record was successfully completed or rejected. Institutions can review rejected records, correct errors, and re-submit them in a new batch file.\n\n1.  Creating an MLO Batch Upload File  \nCreate a Comma Separated Value \\(CSV\\) file containing MLO records to initiate multiple registrations at once in NMLS.\n2.  Uploading an MLO Batch File  \nUpload a completed batch file in CSV format to NMLS to register multiple Mortgage Loan Originators \\(MLOs\\) at once.\n3.  Viewing Processed Batch File Results  \nAfter uploading an MLO Batch File, view the processing results in NMLS to confirm which records were completed and which were rejected.\n4.  Handling Rejected Records  \nReview and correct errors in rejected records from an MLO Batch Upload to ensure successful processing in NMLS.\n\n**Parent topic:**Registering Your MLOs with NMLS",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MLOmanage_MLObatchUpload.md",
      "relative_path": "maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MLOmanage_MLObatchUpload.md",
      "headings": [
        "MLO Batch Upload {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7fee .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MLOmanage_MLObatchUpload.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MLOmanage_MLObatchUploadCreate.md:chunk-0",
      "title": "Creating an MLO Batch Upload File {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7fe9 .task}",
      "content": "# Creating an MLO Batch Upload File \n\nCreate a Comma Separated Value \\(CSV\\) file containing MLO records to initiate multiple registrations at once in NMLS.\n\nThe MLO Batch Upload file contains one record for each MLO you are registering. This file must be created in CSV format and follow NMLS file specifications. If the MLO does not already have an individual account in NMLS, the record will be used to create one. Providing incomplete or inaccurate information may result in duplicate accounts or rejected records, which the institution will be responsible for correcting.\n\nUse the following resources to prepare your batch upload file:\n\n-   MLO Batch Upload CSV Template\n-   MLO Batch Upload File Specifications\n\n1.  Download and open the **MLO Batch Upload CSV Template**.\n\n2.  Enter one row of information for each MLO being registered, following the **Batch Upload File Specifications**.\n\n    **Note:** Ensure that all required fields, such as **First Name**, **Last Name**, **Date of Birth**, **Social Security Number**, and **Email Address**, are entered accurately and in the correct format.\n\n3.  Save the file in CSV format using a unique name for future reference.\n\n**Parent topic:**MLO Batch Upload\n\n**Previous topic:**MLO Batch Upload\n\n**Next topic:**Uploading an MLO Batch File",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MLOmanage_MLObatchUploadCreate.md",
      "relative_path": "maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MLOmanage_MLObatchUploadCreate.md",
      "headings": [
        "Creating an MLO Batch Upload File {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7fe9 .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MLOmanage_MLObatchUploadCreate.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MLOmanage_MU4Rpaying.md:chunk-0",
      "title": "Paying MU4R Fees via the Filing Tab {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7fde .task}",
      "content": "# Paying MU4R Fees via the Filing Tab \n\nRemit payment for MU4R filings you submitted using the Filing tab in NMLS.\n\nInstitution Account Administrators or Institution Users with the **Federal Filings – Pay MU4R Fees** role can use the Filing tab to pay for MU4R filings that they personally submitted. Payments can be made by credit card or ACH.\n\n1.  Navigate to the NMLS Login page \\(Federal Context\\).\n\n2.  Log in to your NMLS account.\n\n    **Note:** If you are landed on the NMLS Connect screen, select **NMLS Federal Registry** in the Quick Links section.\n\n    \n\n3.  Select the **Federal** context, if the Context screen is displayed.\n\n    **Note:** Be sure you are in the Federal context by selecting **Federal** from the **You are currently** drop down list. Your screen should display the Federal Registry watermark.\n\n    \n\n4.  From the NMLS Home screen, select the **Filing** tab.\n\n5.  Select **MU4R Filing** from the sub-menu.\n\n6.  Select **Pay MU4R Fees** on the left navigation panel.\n\n7.  Select the invoice associated with your MU4R filing and select **Pay Invoice**.\n\n8.  On the payment screen, review the charges, select the checkbox to agree to the terms and conditions, and choose your payment method \\(Visa®, Mastercard®, or ACH\\).\n\n9.  Select **Submit Payment** to complete the transaction.\n\n    The system displays a confirmation message once payment is successful. Using ACH requires only a bank account number and routing number, which can be found on your check.\n\n**Parent topic:**Paying MU4R Fees\n\n**NMLS Reference Guide**  \n\nNMLS Processing Fees\n\nCorrecting Failed Payments\n\nNMLS Payment Options",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MLOmanage_MU4Rpaying.md",
      "relative_path": "maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MLOmanage_MU4Rpaying.md",
      "headings": [
        "Paying MU4R Fees via the Filing Tab {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7fde .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MLOmanage_MU4Rpaying.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MLOmanage_MU4Rpayment.md:chunk-0",
      "title": "Paying MU4R Fees {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7fec .concept}",
      "content": "# Paying MU4R Fees \n\nInstitutions are responsible for paying fees associated with MU4R filings submitted on behalf of Mortgage Loan Originators \\(MLOs\\).\n\nWhen an institution submits MU4R filings on behalf of MLOs, it must also remit payment for those filings. Payment can be completed directly in NMLS using either the Filing tab or the Tasks tab, depending on the institution user’s role and the type of invoice being paid.\n\nTwo payment options are available:\n\n-   Filing tab – Allows Account Administrators or Institution Users with the **Federal Filings - Pay MU4R Fees** role to pay for MU4R filings that they personally submitted.\n-   Tasks tab – Allows Account Administrators or Institution Users with the **Tasks - Pay MU4R Fees** role to pay for MU4R filings submitted by any user within the same institution.\n\nAcceptable forms of payment include Visa®, Mastercard®, and ACH. Using ACH requires only a bank account number and routing number. Once submitted, NMLS processes the payment and provides confirmation of receipt.\n\n-   **Paying MU4R Fees via the Filing Tab**  \nRemit payment for MU4R filings you submitted using the Filing tab in NMLS.\n-   **Paying MU4R Fees via the Tasks Tab**  \nRemit payment for MU4R filings submitted by any user in your institution using the Tasks tab in NMLS.\n\n**Parent topic:**Institution-Initiated MU4R Filing\n\n**Previous topic:**Reviewing and Submitting MU4R on Behalf of an MLO\n\n**Next topic:**Paying MU4R Fees via the Filing Tab\n\n**NMLS Reference Guide**  \n\nNMLS Processing Fees\n\nCorrecting Failed Payments\n\nNMLS Payment Options",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MLOmanage_MU4Rpayment.md",
      "relative_path": "maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MLOmanage_MU4Rpayment.md",
      "headings": [
        "Paying MU4R Fees {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7fec .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MLOmanage_MU4Rpayment.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MLOmanage_batchUploadRejectedRecords.md:chunk-0",
      "title": "Handling Rejected Records {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7fe6 .task}",
      "content": "# Handling Rejected Records \n\nReview and correct errors in rejected records from an MLO Batch Upload to ensure successful processing in NMLS.\n\nIf one or more records in an MLO Batch Upload file contain errors, they will appear in the Rejected Records list on the Processed File List and Results screen. Each rejected record is displayed with the information entered in the original batch file along with an **Error Description** column identifying the issue\\(s\\). Institutions must correct the errors and upload a new batch file containing the corrected records.\n\n1.  Navigate to the NMLS Login page \\(Federal Context\\).\n\n2.  Log in to your NMLS account.\n\n    **Note:** If you are landed on the NMLS Connect screen, select **NMLS Federal Registry** in the Quick Links section.\n\n    \n\n3.  Select the **Federal** context, if the Context screen is displayed.\n\n    **Note:** Be sure you are in the Federal context by selecting **Federal** from the **You are currently** drop down list. Your screen should display the Federal Registry watermark.\n\n    \n\n4.  From the NMLS Home screen, select the Tasks tab.\n\n5.  Select **MLO Batch Upload** from the sub-menu.\n\n6.  Click the numeric link under **Rejected Records** for the desired file.\n\n    **Note:** The Rejected Records file lists each record and includes detailed error descriptions such as invalid dates, missing fields, or formatting issues.\n\n7.  Review the **Error Description** column and correct the information in your batch file.\n\n8.  Save the corrected file and upload it as a new batch file.\n\n**Parent topic:**MLO Batch Upload\n\n**Previous topic:**Viewing Processed Batch File Results\n\n**Next topic:**Institution-Initiated MU4R Filing",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MLOmanage_batchUploadRejectedRecords.md",
      "relative_path": "maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MLOmanage_batchUploadRejectedRecords.md",
      "headings": [
        "Handling Rejected Records {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7fe6 .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MLOmanage_batchUploadRejectedRecords.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MLOmanage_batchUploadViewResults.md:chunk-0",
      "title": "Viewing Processed Batch File Results {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7fe7 .task}",
      "content": "# Viewing Processed Batch File Results \n\nAfter uploading an MLO Batch File, view the processing results in NMLS to confirm which records were completed and which were rejected.\n\nAfter an MLO Batch File has been processed, the results are available in NMLS. The Processed File List and Results screen displays summary information such as file ID, file name, upload date, and the number of completed and rejected records. Institutions can also download a copy of the completed records file or rejected records file for review.\n\n1.  Navigate to the NMLS Login page \\(Federal Context\\).\n\n2.  Log in to your NMLS account.\n\n    **Note:** If you are landed on the NMLS Connect screen, select **NMLS Federal Registry** in the Quick Links section.\n\n    \n\n3.  Select the **Federal** context, if the Context screen is displayed.\n\n    **Note:** Be sure you are in the Federal context by selecting **Federal** from the **You are currently** drop down list. Your screen should display the Federal Registry watermark.\n\n    \n\n4.  From the NMLS Home screen, select the Tasks tab.\n\n5.  Select **MLO Batch Upload** from the sub-menu.\n\n6.  Review the Processed File List and Results screen for file information, including:\n\n    -   **File ID**\n    -   **File Name**\n    -   **Uploaded On**\n    -   **Uploaded By**\n    -   **Total Records**\n    -   **Completed Records**\n    -   **Rejected Records**\n7.  Select the numeric link under **Completed Records** or **Rejected Records** to download detailed files for review.\n\n    **Tip:** By clicking the Excel icon, you can also access a copy of the originally uploaded batch file.\n\n**Parent topic:**MLO Batch Upload\n\n**Previous topic:**Uploading an MLO Batch File\n\n**Next topic:**Handling Rejected Records",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MLOmanage_batchUploadViewResults.md",
      "relative_path": "maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MLOmanage_batchUploadViewResults.md",
      "headings": [
        "Viewing Processed Batch File Results {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7fe7 .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MLOmanage_batchUploadViewResults.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MLOmanage_bulkTerminationCreate.md:chunk-0",
      "title": "Creating a Bulk Termination Upload File {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7fcd .task}",
      "content": "# Creating a Bulk Termination Upload File \n\nPrepare a CSV file with the required data for each MLO to terminate employment records in bulk.\n\nInstitutions can terminate multiple MLO employment records at once by creating a CSV batch file in the format required by NMLS. Each row in the file represents one MLO employment termination record.\n\n1.  Review the Bulk Employment Termination File Specifications to confirm the required fields and format.\n\n2.  Download and open the Bulk Employment Termination CSV Template.csv) to begin entering data.\n\n3.  Enter the required data for each MLO in the template. Ensure that values match the specifications exactly.\n\n4.  Save the completed file in **CSV** format to your computer. Do not change the file type.\n\nThe file is now ready to be uploaded into NMLS to process bulk employment terminations. See Uploading a Bulk Termination File for next steps.\n\n**Parent topic:**Terminating Employment Records",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MLOmanage_bulkTerminationCreate.md",
      "relative_path": "maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MLOmanage_bulkTerminationCreate.md",
      "headings": [
        "Creating a Bulk Termination Upload File {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7fcd .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MLOmanage_bulkTerminationCreate.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MLOmanage_bulkTerminationUpload.md:chunk-0",
      "title": "Uploading a Bulk Termination File {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7fcc .task}",
      "content": "# Uploading a Bulk Termination File \n\nUpload the prepared CSV file into NMLS to process multiple employment terminations at once.\n\nOnce you have prepared a Bulk Employment Termination CSV Template.csv) according to Bulk Employment Termination File Specifications for bulk terminations, you must upload the file through the Employment Management section in NMLS. The system will process the file row by row and update MLO records accordingly.\n\n1.  Navigate to the NMLS Login page \\(Federal Context\\).\n\n2.  Log in to your NMLS account.\n\n    **Note:** If you are landed on the NMLS Connect screen, select **NMLS Federal Registry** in the Quick Links section.\n\n    \n\n3.  Select the **Federal** context, if the Context screen is displayed.\n\n    **Note:** Be sure you are in the Federal context by selecting **Federal** from the **You are currently** drop down list. Your screen should display the Federal Registry watermark.\n\n    \n\n4.  Click the **Tasks** tab.\n\n5.  Select **Employment Management** from the submenu.\n\n6.  Click **Bulk Employment Termination** in the left navigation panel.\n\n7.  Click **Browse** and select the prepared CSV file from your computer.\n\n8.  Enter a description for the upload \\(optional\\).\n\n9.  Review the acknowledgment displayed in red, and select the confirmation checkbox.\n\n10. Click **Process Terminations**.\n\n11. Click **OK** to confirm the submission.\n\nThe bulk termination file is submitted to NMLS for processing. You will receive an email notification once the file has been processed. See Viewing Bulk Termination File Results for more information.\n\n**Parent topic:**Terminating Employment Records",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MLOmanage_bulkTerminationUpload.md",
      "relative_path": "maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MLOmanage_bulkTerminationUpload.md",
      "headings": [
        "Uploading a Bulk Termination File {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7fcc .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MLOmanage_bulkTerminationUpload.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MLOmanage_employmentAutomaticConfirmation.md:chunk-0",
      "title": "Automatic Confirmation of Employment by NMLS {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7fe3 .concept}",
      "content": "# Automatic Confirmation of Employment by NMLS \n\nNMLS can automatically confirm an employment record after receipt of a clear Criminal Background Check \\(CBC\\) result, provided required conditions are met.\n\nNMLS can automatically confirm a pending employment record once a clear Criminal Background Check \\(CBC\\) result has been received for the MLO. Automatic confirmation ensures that registration is completed efficiently without requiring the institution to manually confirm employment.\n\nFor automatic confirmation to occur, the following conditions must be met:\n\n-   The pending employment record was created through a filing submitted by the institution associated with the employment.\n-   The institution has an active MU1R filing status.\n-   An employment start date has been provided for the record.\n-   No subsequent filings have been submitted by the individual or another institution after the employment record was created.\n\nOnce an employment record has been confirmed automatically, it is removed from the Manage Employment Records Pending Confirmation list, and the MLO becomes actively registered with the institution.\n\nInstitutions do not need to wait for NMLS to confirm employment automatically. They can manually confirm employment as soon as fingerprints are submitted. However, if the institution relies on the automatic process, the registration date may occur later, depending on the time required for fingerprint processing.\n\n**Parent topic:**Employment Management",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MLOmanage_employmentAutomaticConfirmation.md",
      "relative_path": "maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MLOmanage_employmentAutomaticConfirmation.md",
      "headings": [
        "Automatic Confirmation of Employment by NMLS {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7fe3 .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MLOmanage_employmentAutomaticConfirmation.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MLOmanage_employmentConfirming.md:chunk-0",
      "title": "Confirming Employment Records {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7fe4 .task}",
      "content": "# Confirming Employment Records \n\nManually confirm one or multiple Mortgage Loan Originator \\(MLO\\) employment records in NMLS once required conditions are met.\n\nInstitutions must confirm employment records to finalize an MLO’s registration. An employment record can be confirmed manually once an employment start date is provided and the institution has an active MU1R filing status. NMLS will also automatically confirm employment after a clear Criminal Background Check \\(CBC\\) result is received, provided no conflicting filings exist.\n\nInstitutions may confirm multiple records at once or confirm a single employment record individually from the pending confirmation list.\n\n1.  Navigate to the NMLS Login page \\(Federal Context\\).\n\n2.  Log in to your NMLS account.\n\n    **Note:** If you are landed on the NMLS Connect screen, select **NMLS Federal Registry** in the Quick Links section.\n\n    \n\n3.  Select the **Federal** context, if the Context screen is displayed.\n\n    **Note:** Be sure you are in the Federal context by selecting **Federal** from the **You are currently** drop down list. Your screen should display the Federal Registry watermark.\n\n    \n\n4.  From the NMLS Home screen, select the Tasks tab.\n\n5.  Select **Employment Management** from the sub-menu.\n\n6.  Select **Manage Employment Records Pending Confirmation** on the navigation panel.\n\n7.  To confirm multiple records, select the checkboxes next to the desired MLOs.\n\n8.  To confirm a single record, click the **Edit** icon next to the MLO’s name, enter or update the **Employment Start Date** if applicable, and click **Update Date**.\n\n9.  Select the checkbox next to **I certify that I agree to the above**.\n\n10. Select **Attest and Confirm**.\n\n    The system displays a confirmation message indicating that the employment record\\(s\\) were confirmed successfully.\n\n**Parent topic:**Employment Management",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MLOmanage_employmentConfirming.md",
      "relative_path": "maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MLOmanage_employmentConfirming.md",
      "headings": [
        "Confirming Employment Records {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7fe4 .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MLOmanage_employmentConfirming.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MLOmanage_employmentEditStartDate.md:chunk-0",
      "title": "Editing MLO Employment Start Date {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7fe1 .task}",
      "content": "# Editing MLO Employment Start Date \n\nEdit the employment start date for an MLO record when the original date was entered incorrectly or requires updating.\n\nThe employment start date is the only field that can be modified from the pending confirmation list. Institutions may need to edit this date if it was entered incorrectly or if the start date changed. When an institution changes an employment start date after the MLO has attested to the MU4R, the MLO must attest again to confirm the accuracy of the revised date.\n\n1.  Navigate to the NMLS Login page \\(Federal Context\\).\n\n2.  Log in to your NMLS account.\n\n    **Note:** If you are landed on the NMLS Connect screen, select **NMLS Federal Registry** in the Quick Links section.\n\n    \n\n3.  Select the **Federal** context, if the Context screen is displayed.\n\n    **Note:** Be sure you are in the Federal context by selecting **Federal** from the **You are currently** drop down list. Your screen should display the Federal Registry watermark.\n\n    \n\n4.  From the NMLS Home screen, click the **Tasks** tab.\n\n5.  Select **Employment Management** from the sub-menu.\n\n6.  Click **Manage Employment Records Pending Confirmation** on the navigation panel.\n\n7.  Click the **Edit** icon for the desired MLO record.\n\n8.  Edit the **Employment Start Date** and click **Update Date**.\n\n    **Note:** The system displays a confirmation message when the change has been saved. The MLO must re-attest to confirm the accuracy of the updated start date.\n\n**Parent topic:**Maintaining Your MLO Registrations",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MLOmanage_employmentEditStartDate.md",
      "relative_path": "maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MLOmanage_employmentEditStartDate.md",
      "headings": [
        "Editing MLO Employment Start Date {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7fe1 .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MLOmanage_employmentEditStartDate.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MLOmanage_employmentManagement.md:chunk-0",
      "title": "Employment Management {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7fed .concept}",
      "content": "# Employment Management \n\nEmployment Management in NMLS allows institutions to confirm, reject, correct, or terminate Mortgage Loan Originator \\(MLO\\) employment records.\n\nAfter an MU4R filing has been submitted and attested to by the MLO, the institution must manage the associated employment record in NMLS. Employment Management provides the tools to confirm, reject, or correct pending employment records and to terminate existing records when an MLO leaves the institution.\n\nInstitutions can confirm employment records manually or rely on NMLS to automatically confirm them after a clear Criminal Background Check \\(CBC\\) result is received. Institutions may also edit the employment start date, request corrections from the MLO, or recall correction requests when needed.\n\n-   **Viewing Pending Employment Confirmations**  \nUse the Employment Management section in NMLS to view and filter pending employment records that require confirmation by your institution.\n-   **Confirming Employment Records**  \nManually confirm one or multiple Mortgage Loan Originator \\(MLO\\) employment records in NMLS once required conditions are met.\n-   **Automatic Confirmation of Employment by NMLS**  \nNMLS can automatically confirm an employment record after receipt of a clear Criminal Background Check \\(CBC\\) result, provided required conditions are met.\n-   **Rejecting an Employment Record**  \nReject an MLO’s employment record in NMLS when it was submitted in error or when the individual is no longer employed by your institution.\n\n**Parent topic:**Registering Your MLOs with NMLS",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MLOmanage_employmentManagement.md",
      "relative_path": "maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MLOmanage_employmentManagement.md",
      "headings": [
        "Employment Management {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7fed .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MLOmanage_employmentManagement.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MLOmanage_employmentRecallCorrection.md:chunk-0",
      "title": "Recalling Previously Submitted Employment Information Correction Requests {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7fdf .task}",
      "content": "# Recalling Previously Submitted Employment Information Correction Requests \n\nRecall a correction request for an MLO’s employment record in NMLS when the request is no longer valid or needs to be withdrawn.\n\nIf a correction request was submitted in error or circumstances have changed, the institution can recall the request. Recalling a correction request moves the record back into the pending confirmation list so the institution can take other actions, such as confirming or editing the record.\n\n1.  Navigate to the NMLS Login page \\(Federal Context\\).\n\n2.  Log in to your NMLS account.\n\n    **Note:** If you are landed on the NMLS Connect screen, select **NMLS Federal Registry** in the Quick Links section.\n\n    \n\n3.  Select the **Federal** context, if the Context screen is displayed.\n\n    **Note:** Be sure you are in the Federal context by selecting **Federal** from the **You are currently** drop down list. Your screen should display the Federal Registry watermark.\n\n    \n\n4.  From the NMLS Home screen, click the **Tasks** tab.\n\n5.  Select **Employment Management** from the sub-menu.\n\n6.  Click **Recall Correction Request** on the navigation panel.\n\n7.  Click the **Recall Correction Request** icon next to the record you want to recall.\n\n8.  Confirm the action when prompted.\n\n    **Note:** The system displays a confirmation message and moves the record back to the Manage Employment Records Pending Confirmation list.\n\n**Parent topic:**Maintaining Your MLO Registrations",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MLOmanage_employmentRecallCorrection.md",
      "relative_path": "maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MLOmanage_employmentRecallCorrection.md",
      "headings": [
        "Recalling Previously Submitted Employment Information Correction Requests {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7fdf .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MLOmanage_employmentRecallCorrection.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MLOmanage_employmentRejecting.md:chunk-0",
      "title": "Rejecting an Employment Record {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7fe2 .task}",
      "content": "# Rejecting an Employment Record \n\nReject an MLO’s employment record in NMLS when it was submitted in error or when the individual is no longer employed by your institution.\n\nInstitutions may reject an employment record if it was submitted in error or if the MLO is not employed with the institution. Rejecting an employment record removes the record from the pending confirmation list and revokes the institution’s access rights to the MLO’s record.\n\n1.  Navigate to the NMLS Login page \\(Federal Context\\).\n\n2.  Log in to your NMLS account.\n\n    **Note:** If you are landed on the NMLS Connect screen, select **NMLS Federal Registry** in the Quick Links section.\n\n    \n\n3.  Select the **Federal** context, if the Context screen is displayed.\n\n    **Note:** Be sure you are in the Federal context by selecting **Federal** from the **You are currently** drop down list. Your screen should display the Federal Registry watermark.\n\n    \n\n4.  From the NMLS Home screen, select the Tasks tab.\n\n5.  Select **Employment Management** from the sub-menu.\n\n6.  Click **Manage Employment Records Pending Confirmation** on the navigation panel.\n\n7.  Click the **Edit** icon for the employment record you want to reject.\n\n8.  Click **Reject**, enter an explanation, and click **Reject** again to confirm.\n\n    **Note:** Rejecting an employment record moves it to the MLO’s MU4R employment history and sends a notification to the MLO.\n\n**Parent topic:**Employment Management",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MLOmanage_employmentRejecting.md",
      "relative_path": "maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MLOmanage_employmentRejecting.md",
      "headings": [
        "Rejecting an Employment Record {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7fe2 .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MLOmanage_employmentRejecting.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MLOmanage_employmentRequestCorrection.md:chunk-0",
      "title": "Requesting Corrections to Employment Information {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7fe0 .task}",
      "content": "# Requesting Corrections to Employment Information \n\nRequest a correction to an MLO’s employment record in NMLS when submitted information is inaccurate or incomplete.\n\nIf employment details such as work location or start date were entered incorrectly, the institution can request a correction in NMLS. When a correction request is submitted, the MLO is notified and must update or confirm the corrected information through their MU4R filing.\n\n1.  Navigate to the NMLS Login page \\(Federal Context\\).\n\n2.  Log in to your NMLS account.\n\n    **Note:** If you are landed on the NMLS Connect screen, select **NMLS Federal Registry** in the Quick Links section.\n\n    \n\n3.  Select the **Federal** context, if the Context screen is displayed.\n\n    **Note:** Be sure you are in the Federal context by selecting **Federal** from the **You are currently** drop down list. Your screen should display the Federal Registry watermark.\n\n    \n\n4.  From the NMLS Home screen, click the **Tasks** tab.\n\n5.  Select **Employment Management** from the sub-menu.\n\n6.  Click **Manage Employment Records Pending Confirmation** on the navigation panel.\n\n7.  Click the **Edit** icon for the desired MLO record.\n\n8.  Click **Request Correction**, enter an explanation, and click **Request Correction** again to confirm.\n\n    **Note:** The system displays a confirmation message and sends a notification to the MLO that a correction is required.\n\n**Parent topic:**Maintaining Your MLO Registrations",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MLOmanage_employmentRequestCorrection.md",
      "relative_path": "maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MLOmanage_employmentRequestCorrection.md",
      "headings": [
        "Requesting Corrections to Employment Information {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7fe0 .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MLOmanage_employmentRequestCorrection.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MLOmanage_employmentTermination.md:chunk-0",
      "title": "Terminating Employment Records {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7fcf .concept}",
      "content": "# Terminating Employment Records \n\nInstitutions can terminate MLO employment records in NMLS either individually or in bulk using a CSV upload process.\n\nWhen an MLO is no longer employed by an institution, the institution is responsible for terminating the employment record in NMLS. Employment records remain in “Confirmed” status until terminated by the institution or the MLO.\n\nYou can terminate employment records in two ways:\n\n-   Terminating Employment Records Individually\n-   Creating a Bulk Termination Upload File\n\nFor bulk terminations, institutions must prepare a file with the correct format and required data. Use the Bulk Employment Termination CSV Template.csv) as a starting point, and refer to the Bulk Employment Termination File Specifications for detailed requirements.\n\n-   **Terminating Employment Records Individually**  \nUse the Employment Management section in NMLS to terminate an individual MLO employment record when the MLO is no longer employed by your institution.\n-   **Creating a Bulk Termination Upload File**  \nPrepare a CSV file with the required data for each MLO to terminate employment records in bulk.\n-   **Uploading a Bulk Termination File**  \nUpload the prepared CSV file into NMLS to process multiple employment terminations at once.\n-   **Viewing Bulk Termination File Results**  \nCheck the Bulk Employment Termination Upload History in NMLS to confirm which employment records were processed or rejected.\n\n**Parent topic:**Maintaining Your MLO Registrations",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MLOmanage_employmentTermination.md",
      "relative_path": "maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MLOmanage_employmentTermination.md",
      "headings": [
        "Terminating Employment Records {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7fcf .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MLOmanage_employmentTermination.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MLOmanage_employmentViewing.md:chunk-0",
      "title": "Viewing Pending Employment Confirmations {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7fe5 .task}",
      "content": "# Viewing Pending Employment Confirmations \n\nUse the Employment Management section in NMLS to view and filter pending employment records that require confirmation by your institution.\n\nThe Manage Employment Records Pending Confirmation list shows all employment records requiring action by your institution. You can confirm a single record, confirm multiple records, or take other actions such as editing the start date or requesting corrections.\n\nFiltering options include **NMLS ID**, **Last Name**, **Group Name**, **Work Location**, and **Submitted From/To Date**.\n\n1.  Navigate to the NMLS Login page \\(Federal Context\\).\n\n2.  Log in to your NMLS account.\n\n    **Note:** If you are landed on the NMLS Connect screen, select **NMLS Federal Registry** in the Quick Links section.\n\n    \n\n3.  Select the **Federal** context, if the Context screen is displayed.\n\n    **Note:** Be sure you are in the Federal context by selecting **Federal** from the **You are currently** drop down list. Your screen should display the Federal Registry watermark.\n\n    \n\n4.  From the NMLS Home screen, select the Tasks tab.\n\n5.  Select **Employment Management** from the sub-menu.\n\n6.  Click **Manage Employment Records Pending Confirmation** on the navigation panel.\n\n    The Manage Employment Records Pending Confirmation screen displays, showing pending employment records for your institution.\n\n7.  Enter filter criteria if needed and click **Filter** to refine the list.\n\n**Parent topic:**Employment Management",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MLOmanage_employmentViewing.md",
      "relative_path": "maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MLOmanage_employmentViewing.md",
      "headings": [
        "Viewing Pending Employment Confirmations {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7fe5 .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MLOmanage_employmentViewing.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MLOmanage_individualEmploymentTermination.md:chunk-0",
      "title": "Terminating Employment Records Individually {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7fce .task}",
      "content": "# Terminating Employment Records Individually \n\nUse the Employment Management section in NMLS to terminate an individual MLO employment record when the MLO is no longer employed by your institution.\n\nYou can manually terminate employment records for individual MLOs using the Employment Management section in NMLS. Once submitted, this action cannot be reversed.\n\n1.  Navigate to the NMLS Login page \\(Federal Context\\).\n\n2.  Log in to your NMLS account.\n\n    **Note:** If you are landed on the NMLS Connect screen, select **NMLS Federal Registry** in the Quick Links section.\n\n    \n\n3.  Select the **Federal** context, if the Context screen is displayed.\n\n    **Note:** Be sure you are in the Federal context by selecting **Federal** from the **You are currently** drop down list. Your screen should display the Federal Registry watermark.\n\n    \n\n4.  Click the **Tasks** tab.\n\n5.  Select **Employment Management** from the submenu.\n\n6.  Click **Terminate Employment Records Individually** in the left navigation panel.\n\n7.  If needed, enter filter criteria to locate the MLO and click **Filter**.\n\n8.  Click **Terminate** next to the appropriate individual’s name.\n\n9.  Enter the **Employment End Date** and click **Terminate**.\n\n10. Confirm the **Employment End Date** and click **Terminate** again to finalize.\n\nThe employment record status updates in NMLS to reflect the termination. This change is permanent and cannot be undone.\n\n**Parent topic:**Terminating Employment Records",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MLOmanage_individualEmploymentTermination.md",
      "relative_path": "maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MLOmanage_individualEmploymentTermination.md",
      "headings": [
        "Terminating Employment Records Individually {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7fce .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MLOmanage_individualEmploymentTermination.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MLOmanage_institutionAccess.md:chunk-0",
      "title": "Institution Access to MLO Records in NMLS {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7fef .concept}",
      "content": "# Institution Access to MLO Records in NMLS \n\nInstitutions must have access to an MLO’s record in NMLS before they can view information or submit filings on the MLO’s behalf.\n\nA Mortgage Loan Originator \\(MLO\\) must grant their employing institution access to their individual record in NMLS. Institution access is required to view the MLO’s information, complete MU4R filings, and manage employment records. Without this access, the institution cannot act on behalf of the MLO.\n\nInstitutions may gain access in two ways:\n\n-   The MLO grants the institution access through the steps in the Registration Guide for Federally-Regulated MLOs.\n-   If the institution creates the MLO’s record through the batch upload process, access is granted automatically when the record is established.\n\nOnce access is granted, the Institution Access screen in NMLS allows institution users to view and filter the list of MLOs connected to their institution.\n\n-   **Viewing the Institution Access List**  \nUse the Institution Access screen to view and filter the list of Mortgage Loan Originators \\(MLOs\\) that have granted your institution access in NMLS.\n\n**Parent topic:**Registering Your MLOs with NMLS",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MLOmanage_institutionAccess.md",
      "relative_path": "maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MLOmanage_institutionAccess.md",
      "headings": [
        "Institution Access to MLO Records in NMLS {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7fef .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MLOmanage_institutionAccess.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MLOmanage_institutionAmendMU4R.md:chunk-0",
      "title": "Amending MU4R Filings on Behalf of an MLO {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7fd2 .task}",
      "content": "# Amending MU4R Filings on Behalf of an MLO \n\nInitiate or recall an MU4R amendment filing for an MLO to ensure records remain accurate and current in NMLS.\n\nInstitutions may amend an MU4R filing to update information on behalf of an MLO. Amendments are required when employment details or personal information change, or when errors are identified in a previously submitted filing. The MLO must attest to any amended filing before it can be submitted and paid in NMLS.\n\n1.  Navigate to the NMLS Login page \\(Federal Context\\).\n\n2.  Log in to your NMLS account.\n\n    **Note:** If you are landed on the NMLS Connect screen, select **NMLS Federal Registry** in the Quick Links section.\n\n    \n\n3.  Select the **Federal** context, if the Context screen is displayed.\n\n    **Note:** Be sure you are in the Federal context by selecting **Federal** from the **You are currently** drop down list. Your screen should display the Federal Registry watermark.\n\n    \n\n4.  From the NMLS Home screen, click the **Filing** tab.\n\n5.  Select **MU4R Filing** from the sub-menu.\n\n6.  Locate the MLO record and click the **Amend** icon to begin a new amendment filing, or click **Recall** if changes are needed to a filing currently awaiting attestation.\n\n7.  Update the necessary sections of the MU4R from the left navigation panel.\n\n8.  Click **Attest and Submit**, then **Release** to send the amended filing to the MLO for attestation.\n\n    **Note:** The MLO receives an email notification to attest to the amendment. Once attested, the institution also receives an email notification to proceed with filing.\n\n9.  After the MLO attests, review any redlined changes. If acceptable, click **Submit** to complete the filing. If not, click **Recall** and repeat the amendment steps.\n\n10. Remit payment for the amendment, if applicable. See Paying MU4R Fees for details.\n\n**Parent topic:**Maintaining Your MLO Registrations",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MLOmanage_institutionAmendMU4R.md",
      "relative_path": "maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MLOmanage_institutionAmendMU4R.md",
      "headings": [
        "Amending MU4R Filings on Behalf of an MLO {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7fd2 .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MLOmanage_institutionAmendMU4R.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MLOmanage_institutionMU4R.md:chunk-0",
      "title": "Institution-Initiated MU4R Filing {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7fd9 .concept}",
      "content": "# Institution-Initiated MU4R Filing \n\nInstitutions can initiate and complete an MU4R filing on behalf of a Mortgage Loan Originator \\(MLO\\), which the MLO must attest to before submission and payment.\n\nInstitutions may choose to initiate an MU4R filing for an MLO in NMLS. This allows the institution to enter available information into the MU4R form and then release it to the MLO for attestation. Once attested, the institution can review any changes, submit the filing, and pay associated fees.\n\nThis process supports institutions that manage the registration workflow for their employees, while ensuring that each MLO retains responsibility for attesting to the accuracy of the information in their record.\n\n1.  Institution Completes MU4R on Behalf of MLO  \nInitiate and complete an MU4R filing for a Mortgage Loan Originator \\(MLO\\), then release it for attestation and submission in NMLS.\n2.  Reviewing and Submitting MU4R on Behalf of an MLO  \nAfter an MLO attests to an MU4R filing, review redlined changes and submit the filing on behalf of the MLO.\n3.  Paying MU4R Fees  \nInstitutions are responsible for paying fees associated with MU4R filings submitted on behalf of Mortgage Loan Originators \\(MLOs\\).\n\n**Parent topic:**Registering Your MLOs with NMLS",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MLOmanage_institutionMU4R.md",
      "relative_path": "maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MLOmanage_institutionMU4R.md",
      "headings": [
        "Institution-Initiated MU4R Filing {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7fd9 .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MLOmanage_institutionMU4R.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MLOmanage_institutionMU4Rcompleting.md:chunk-0",
      "title": "Institution Completes MU4R on Behalf of MLO {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7fd8 .task}",
      "content": "# Institution Completes MU4R on Behalf of MLO \n\nInitiate and complete an MU4R filing for a Mortgage Loan Originator \\(MLO\\), then release it for attestation and submission in NMLS.\n\nAn institution can initiate and complete sections of the MU4R on behalf of an MLO. Once released, the MLO must attest to the information before the filing can be submitted and paid. After attestation, the institution can review redlined changes and submit the MU4R if acceptable.\n\n1.  Navigate to the NMLS Login page \\(Federal Context\\).\n\n2.  Log in to your NMLS account.\n\n    **Note:** If you are landed on the NMLS Connect screen, select **NMLS Federal Registry** in the Quick Links section.\n\n    \n\n3.  Select the **Federal** context, if the Context screen is displayed.\n\n    **Note:** Be sure you are in the Federal context by selecting **Federal** from the **You are currently** drop down list. Your screen should display the Federal Registry watermark.\n\n    \n\n4.  From the NMLS Home screen, click the **Filing** tab.\n\n5.  Select **MU4R Filing** from the sub-menu.\n\n6.  On the Pending Filing - MU4R screen, click **Create New Filing** to create a new filing, or click the edit icon to open an existing one.\n\n7.  Complete the available sections of the MU4R by selecting each section from the left navigation panel.\n\n8.  When ready, click **Attest and Submit**, then click **Request Attestation** to send the filing to the MLO for attestation.\n\n    **Note:** The MLO receives an email notification to attest to the filing. Once attested, the institution also receives an email notification.\n\n9.  After the MLO attests, log in to NMLS to review the filing. Redlined changes will be visible for institution review.\n\n10. If the filing is acceptable, click **Submit** to file the MU4R. If corrections are needed, click **Recall** and repeat the filing steps.\n\n11. Remit payment for the filing. See Paying MU4R Fees for details.\n\n**Parent topic:**Institution-Initiated MU4R Filing\n\n**Previous topic:**Institution-Initiate",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MLOmanage_institutionMU4Rcompleting.md",
      "relative_path": "maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MLOmanage_institutionMU4Rcompleting.md",
      "headings": [
        "Institution Completes MU4R on Behalf of MLO {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7fd8 .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MLOmanage_institutionMU4Rcompleting.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MLOmanage_institutionMU4Rcompleting.md:chunk-1",
      "title": "Institution Completes MU4R on Behalf of MLO {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7fd8 .task}",
      "content": "*Recall** and repeat the filing steps.\n\n11. Remit payment for the filing. See Paying MU4R Fees for details.\n\n**Parent topic:**Institution-Initiated MU4R Filing\n\n**Previous topic:**Institution-Initiated MU4R Filing\n\n**Next topic:**Reviewing and Submitting MU4R on Behalf of an MLO",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MLOmanage_institutionMU4Rcompleting.md",
      "relative_path": "maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MLOmanage_institutionMU4Rcompleting.md",
      "headings": [
        "Institution Completes MU4R on Behalf of MLO {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7fd8 .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MLOmanage_institutionMU4Rcompleting.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MLOmanage_institutionReviewSubmitMU4R.md:chunk-0",
      "title": "Reviewing and Submitting MU4R on Behalf of an MLO {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7fd7 .task}",
      "content": "# Reviewing and Submitting MU4R on Behalf of an MLO \n\nAfter an MLO attests to an MU4R filing, review redlined changes and submit the filing on behalf of the MLO.\n\nOnce an MLO has attested to an MU4R filing, the institution receives an email notification. The institution must log in to NMLS, review the attested filing for any changes, and submit it if acceptable. Redlined text highlights changes made by the MLO during attestation.\n\n1.  Navigate to the NMLS Login page \\(Federal Context\\).\n\n2.  Log in to your NMLS account.\n\n    **Note:** If you are landed on the NMLS Connect screen, select **NMLS Federal Registry** in the Quick Links section.\n\n    \n\n3.  Select the **Federal** context, if the Context screen is displayed.\n\n    **Note:** Be sure you are in the Federal context by selecting **Federal** from the **You are currently** drop down list. Your screen should display the Federal Registry watermark.\n\n    \n\n4.  From the NMLS Home screen, click the **Filing** tab.\n\n5.  Select **MU4R Filing** from the sub-menu.\n\n6.  On the Pending Filing - MU4R screen, open the attested filing.\n\n7.  Review redlined changes entered by the MLO during attestation.\n\n8.  If all information is accurate, click **Submit** to file the MU4R.\n\n    **Note:** If corrections are needed, click **Recall** to return the filing to editable status and reinitiate the attestation process.\n\n9.  Remit payment for the filing. See Paying MU4R Fees for details.\n\n**Parent topic:**Institution-Initiated MU4R Filing\n\n**Previous topic:**Institution Completes MU4R on Behalf of MLO\n\n**Next topic:**Paying MU4R Fees",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MLOmanage_institutionReviewSubmitMU4R.md",
      "relative_path": "maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MLOmanage_institutionReviewSubmitMU4R.md",
      "headings": [
        "Reviewing and Submitting MU4R on Behalf of an MLO {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7fd7 .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MLOmanage_institutionReviewSubmitMU4R.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MLOmanage_payingMU4RtasksTab.md:chunk-0",
      "title": "Paying MU4R Fees via the Tasks Tab {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7fd6 .task}",
      "content": "# Paying MU4R Fees via the Tasks Tab \n\nRemit payment for MU4R filings submitted by any user in your institution using the Tasks tab in NMLS.\n\nInstitution Account Administrators or Institution Users with the **Tasks – Pay MU4R Fees** role can use the Tasks tab to pay invoices for MU4R filings submitted by any user within the same institution. This allows centralized management of filing payments, regardless of who submitted the filing.\n\n1.  Navigate to the NMLS Login page \\(Federal Context\\).\n\n2.  Log in to your NMLS account.\n\n    **Note:** If you are landed on the NMLS Connect screen, select **NMLS Federal Registry** in the Quick Links section.\n\n    \n\n3.  Select the **Federal** context, if the Context screen is displayed.\n\n    **Note:** Be sure you are in the Federal context by selecting **Federal** from the **You are currently** drop down list. Your screen should display the Federal Registry watermark.\n\n    \n\n4.  From the NMLS Home screen, select the Tasks tab.\n\n5.  Select **MU4R Filing** from the sub-menu.\n\n6.  Click the **Pay MU4R Fees** option on the left navigation panel.\n\n7.  Select the **Username** hyperlink to open the invoice associated with filings submitted by that user.\n\n    **Note:** Invoices are specific to the user that submitted the MU4R filings. You can only view invoices tied to the selected username.\n\n8.  Select **Pay Invoice** to add the charges to your payment cart.\n\n9.  On the payment screen, review the charges, select the checkbox to agree to the terms and conditions, and choose your payment method \\(Visa®, Mastercard®, or ACH\\).\n\n10. Select **Submit Payment** to complete the transaction.\n\n    The system displays a confirmation message once payment is successful. Using ACH requires only a bank account number and routing number, which can be found on your check.\n\n**Parent topic:**Paying MU4R Fees\n\n**NMLS Reference Guide**  \n\nNMLS Processing Fees\n\nCorrecting Failed Payments\n\nNMLS Payment Options",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MLOmanage_payingMU4RtasksTab.md",
      "relative_path": "maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MLOmanage_payingMU4RtasksTab.md",
      "headings": [
        "Paying MU4R Fees via the Tasks Tab {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7fd6 .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MLOmanage_payingMU4RtasksTab.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MLOmanage_uploadMLObatch.md:chunk-0",
      "title": "Uploading an MLO Batch File {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7fe8 .task}",
      "content": "# Uploading an MLO Batch File \n\nUpload a completed batch file in CSV format to NMLS to register multiple Mortgage Loan Originators \\(MLOs\\) at once.\n\nOnce the MLO Batch Upload file is created, it must be uploaded to NMLS for processing. Batch files are processed immediately upon upload, although larger files may take longer. Results are always available within 24 hours.\n\n1.  Navigate to the NMLS Login page \\(Federal Context\\).\n\n2.  Log in to your NMLS account.\n\n    **Note:** If you are landed on the NMLS Connect screen, select **NMLS Federal Registry** in the Quick Links section.\n\n    \n\n3.  Select the **Federal** context, if the Context screen is displayed.\n\n    **Note:** Be sure you are in the Federal context by selecting **Federal** from the **You are currently** drop down list. Your screen should display the Federal Registry watermark.\n\n    \n\n4.  From the NMLS Home screen, select the Tasks tab.\n\n5.  Select **MLO Batch Upload** from the sub-menu.\n\n6.  Select **Upload New Batch File** on the navigation panel.\n\n7.  Select **Browse** and select your completed CSV batch file.\n\n8.  Enter a description for the file \\(optional\\).\n\n9.  Select **Upload** to submit the file.\n\n    The Upload New Batch File screen will confirm that the file was uploaded successfully.\n\n**Parent topic:**MLO Batch Upload\n\n**Previous topic:**Creating an MLO Batch Upload File\n\n**Next topic:**Viewing Processed Batch File Results",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MLOmanage_uploadMLObatch.md",
      "relative_path": "maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MLOmanage_uploadMLObatch.md",
      "headings": [
        "Uploading an MLO Batch File {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7fe8 .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MLOmanage_uploadMLObatch.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MLOmanage_viewBulkTerminationResults.md:chunk-0",
      "title": "Viewing Bulk Termination File Results {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7fcb .task}",
      "content": "# Viewing Bulk Termination File Results \n\nCheck the Bulk Employment Termination Upload History in NMLS to confirm which employment records were processed or rejected.\n\nAfter a bulk termination file has been uploaded, NMLS processes the file row by row and generates results for the submission. The user who uploaded the file is notified by email once processing is complete.\n\n1.  In the Employment Management section, click **Bulk Employment Termination Upload History** in the left navigation panel.\n\n2.  To view successfully processed records, click the hyperlinked number under the **Processed** column.\n\n3.  To view records the system could not process, click the hyperlinked number under the **Failed** column.\n\n4.  Review the error descriptions in the rejection file. Refer to the Bulk Employment Termination File Specifications for a complete list of possible errors.\n\nThe Bulk Employment Termination Upload History displays processed and failed records. Any errors must be corrected in a new CSV file and re-submitted for processing.\n\n**Parent topic:**Terminating Employment Records",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MLOmanage_viewBulkTerminationResults.md",
      "relative_path": "maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MLOmanage_viewBulkTerminationResults.md",
      "headings": [
        "Viewing Bulk Termination File Results {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7fcb .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MLOmanage_viewBulkTerminationResults.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MLOmanage_viewingAccessList.md:chunk-0",
      "title": "Viewing the Institution Access List {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7fea .task}",
      "content": "# Viewing the Institution Access List \n\nUse the Institution Access screen to view and filter the list of Mortgage Loan Originators \\(MLOs\\) that have granted your institution access in NMLS.\n\nThe Institution Access screen displays all MLO records that your institution is authorized to view and manage. You can use filtering options such as **Date Access Granted**, **NMLS ID**, or **Last Name** to locate specific records.\n\n1.  Navigate to the NMLS Login page \\(Federal Context\\).\n\n2.  Log in to your NMLS account.\n\n    **Note:** If you are landed on the NMLS Connect screen, select **NMLS Federal Registry** in the Quick Links section.\n\n    \n\n3.  Select the **Federal** context, if the Context screen is displayed.\n\n    **Note:** Be sure you are in the Federal context by selecting **Federal** from the **You are currently** drop down list. Your screen should display the Federal Registry watermark.\n\n    \n\n4.  From the NMLS Home screen, select the **Filing** tab.\n\n5.  Select **Institution Access** from the sub-menu.\n\n    **Note:** The Institution Access screen displays with a list of MLOs to which your institution has access.\n\n6.  Enter filter criteria such as **Date Access Granted**, **NMLS ID**, or **Last Name**, and click **Filter**.\n\n**Parent topic:**Institution Access to MLO Records in NMLS",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MLOmanage_viewingAccessList.md",
      "relative_path": "maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MLOmanage_viewingAccessList.md",
      "headings": [
        "Viewing the Institution Access List {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7fea .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MLOmanage_viewingAccessList.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MLOregistration.md:chunk-0",
      "title": "Registering Your MLOs with NMLS {#xd_df7df97c574be4a7--2013d503-199008abe28--7fc4 .concept}",
      "content": "# Registering Your MLOs with NMLS \n\nInstitutions must register their Mortgage Loan Originators \\(MLOs\\) in NMLS by creating or uploading records, completing MU4R filings, confirming employment, and paying required fees. This section describes the institution’s responsibilities in that process.\n\nTo comply with federal registration requirements under the SAFE Act, institutions must register their Mortgage Loan Originators \\(MLOs\\) in NMLS. Registration may be initiated by the institution through batch upload or directly by completing an MU4R on the MLO’s behalf. Once the filing is created, the MLO must attest to the information before it can be submitted and paid.\n\nAfter submission, the institution is responsible for confirming or rejecting employment records, updating start dates if necessary, and requesting corrections when errors are found. Institutions must also pay fees associated with MU4R filings, manage criminal background check \\(CBC\\) results, and handle transfers of MLO employment in cases of mergers and acquisitions.\n\n-   **Institution Access to MLO Records in NMLS**  \nInstitutions must have access to an MLO’s record in NMLS before they can view information or submit filings on the MLO’s behalf.\n-   **MLO Batch Upload**  \nThe MLO Batch Upload process allows institutions to register multiple Mortgage Loan Originators \\(MLOs\\) at one time by creating and submitting a batch file to NMLS.\n-   **Institution-Initiated MU4R Filing**  \nInstitutions can initiate and complete an MU4R filing on behalf of a Mortgage Loan Originator \\(MLO\\), which the MLO must attest to before submission and payment.\n-   **Employment Management**  \nEmployment Management in NMLS allows institutions to confirm, reject, correct, or terminate Mortgage Loan Originator \\(MLO\\) employment records.\n-   **Managing MLO Criminal Background Checks**  \nInstitutions can track the status and view the results of Mortgage Loan Originators’ \\(MLOs\\) Criminal Background Checks \\(CBCs\\) through NMLS.\n\n**N",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MLOregistration.md",
      "relative_path": "maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MLOregistration.md",
      "headings": [
        "Registering Your MLOs with NMLS {#xd_df7df97c574be4a7--2013d503-199008abe28--7fc4 .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MLOregistration.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MLOregistration.md:chunk-1",
      "title": "Registering Your MLOs with NMLS {#xd_df7df97c574be4a7--2013d503-199008abe28--7fc4 .concept}",
      "content": ".\n-   **Managing MLO Criminal Background Checks**  \nInstitutions can track the status and view the results of Mortgage Loan Originators’ \\(MLOs\\) Criminal Background Checks \\(CBCs\\) through NMLS.\n\n**NMLS Help**  \n\nAccount Administration\n\nChoosing Your Account Adminitstrators\n\nNMLS Two-Factor Authentication\n\nRequest an Individual Account\n\nNMLS Account Recovery\n\nManaging NMLS User Profiles",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MLOregistration.md",
      "relative_path": "maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MLOregistration.md",
      "headings": [
        "Registering Your MLOs with NMLS {#xd_df7df97c574be4a7--2013d503-199008abe28--7fc4 .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MLOregistration.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MLOrenewalComposite.md:chunk-0",
      "title": "Viewing MLO Renewal Status in Composite View {#xd_df7df97c574be4a7--2013d503-199008abe28--7fca .task}",
      "content": "# Viewing MLO Renewal Status in Composite View \n\nUse Composite View in NMLS to review individual MLO registration and renewal status, including current and historical records.\n\nInstitutions can use Composite View in NMLS to view an individual Mortgage Loan Originator’s \\(MLO’s\\) registration and renewal status. This includes both current status and historical information, allowing verification that renewal or reactivation has been completed.\n\n1.  Navigate to the NMLS Login page \\(Federal Context\\).\n\n2.  Log in to your NMLS account.\n\n    **Note:** If you are landed on the NMLS Connect screen, select **NMLS Federal Registry** in the Quick Links section.\n\n    \n\n3.  Select the **Federal** context, if the Context screen is displayed.\n\n    **Note:** Be sure you are in the Federal context by selecting **Federal** from the **You are currently** drop down list. Your screen should display the Federal Registry watermark.\n\n    \n\n4.  Click the Composite View tab.\n\n5.  Click **View Individual** in the submenu.\n\n6.  Enter the MLO’s **Individual ID**, or enter **First Name** and **Last Name**, and click **Search**.\n\n7.  Click the MLO’s **NMLS ID** from the search results.\n\n8.  Click **Federal Registration List** in the left navigation panel.\n\n    **Note:** The View NMLS MLO Registration List screen displays the MLO’s current registration and renewal status.\n\n9.  To view registration and renewal history, click the regulator link.\n\n    **Note:** The View NMLS MLO Registration History screen opens, showing prior renewal activity and status changes.\n\nThe MLO’s current and historical renewal/reactivation statuses are displayed in Composite View, allowing confirmation that the individual’s registration is *Active* for the renewal year.\n\n**Parent topic:**Understanding Renewal and Reactivation Statuses",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MLOrenewalComposite.md",
      "relative_path": "maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MLOrenewalComposite.md",
      "headings": [
        "Viewing MLO Renewal Status in Composite View {#xd_df7df97c574be4a7--2013d503-199008abe28--7fca .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MLOrenewalComposite.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MU1RattestAndSubmit.md:chunk-0",
      "title": "Attesting and Submitting an MU1R Filing {#xd_df7df97c574be4a7--2013d503-199008abe28--7fbe .task}",
      "content": "# Attesting and Submitting an MU1R Filing \n\nAfter completing all sections of the MU1R, attest to the filing and submit it in NMLS.\n\nOnce all required sections of the MU1R filing are complete, you must run completeness checks, attest to the accuracy of the information, and submit the filing for processing. Payment is required at the time of submission.\n\n1.  Navigate to the NMLS Login page \\(Federal Context\\).\n\n2.  Log in to your NMLS account.\n\n    **Note:** If you are landed on the NMLS Connect screen, select **NMLS Federal Registry** in the Quick Links section.\n\n    \n\n3.  Select the **Federal** context, if the Context screen is displayed.\n\n    **Note:** Be sure you are in the Federal context by selecting **Federal** from the **You are currently** drop down list. Your screen should display the Federal Registry watermark.\n\n    \n\n4.  Click the Filing tab, then select **MU1R** from the sub-menu.\n\n5.  From the MU1R navigation panel, click **Attest and Submit**.\n\n    **Note:** The Attest and Submit screen displays any errors that prevent submission. Click the section link provided to correct the error, then return to **Attest and Submit**.\n\n6.  Select the checkbox next to “I certify that I am the named person above and that I agree to the above”.\n\n7.  Click **Attest and Submit**.\n\n    **Note:** The Submission and Payment screen opens. For details on payment options and completing payment, seePaying for an MU1R Filing .\n\n**Parent topic:**Institution MU1R Registration",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MU1RattestAndSubmit.md",
      "relative_path": "maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MU1RattestAndSubmit.md",
      "headings": [
        "Attesting and Submitting an MU1R Filing {#xd_df7df97c574be4a7--2013d503-199008abe28--7fbe .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MU1RattestAndSubmit.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MU1Rcompleting.md:chunk-0",
      "title": "Completing an MU1R Filing {#xd_df7df97c574be4a7--2013d503-199008abe28--7fbf .task}",
      "content": "# Completing an MU1R Filing \n\nFollow these steps to create and complete a new MU1R filing for your institution in NMLS.\n\nAn MU1R filing must be completed to establish and maintain your institution’s record in the NMLS Federal Registry. The MU1R contains institution identifying information, contacts, and other details necessary to support federal MLO registration. All required sections must be completed before the filing can be submitted.\n\n1.  Navigate to the NMLS Login page \\(Federal Context\\).\n\n2.  Log in to your NMLS account.\n\n    **Note:** If you are landed on the NMLS Connect screen, select **NMLS Federal Registry** in the Quick Links section.\n\n    \n\n3.  Select the **Federal** context, if the Context screen is displayed.\n\n    **Note:** Be sure you are in the Federal context by selecting **Federal** from the **You are currently** drop down list. Your screen should display the Federal Registry watermark.\n\n    \n\n4.  Click the Filing tab.\n\n5.  Click **MU1R** on the sub-menu.\n\n6.  Click **Create New Filing**.\n\n    **Note:** The Identifying Information screen displays, pre-populated with the details from your Institution Account Request.\n\n7.  Review and edit the information on the Identifying Information screen for accuracy, then click **Save**.\n\n8.  Click **Contact Employee Information** in the navigation panel.\n\n9.  Review and edit the populated information, then click **Save**.\n\n10. Continue completing all required sections in the MU1R navigation panel by entering the requested information and saving each screen.\n\n    **Note:** You can run a Completeness Check at any time by clicking the Completeness Check icon in the current section.\n\n11. When all sections are complete, proceed to Attesting and Submitting an MU1R Filing.\n\n**Parent topic:**Institution MU1R Registration",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MU1Rcompleting.md",
      "relative_path": "maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MU1Rcompleting.md",
      "headings": [
        "Completing an MU1R Filing {#xd_df7df97c574be4a7--2013d503-199008abe28--7fbf .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MU1Rcompleting.html",
      "snippet": null
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    {
      "id": "maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MU1RkeyTerms.md:chunk-0",
      "title": "MU1R Key Terms {#xd_df7df97c574be4a7--2013d503-199008abe28--7fba .concept}",
      "content": "# MU1R Key Terms \n\nDefinitions of terms frequently used when completing and managing MU1R filings in NMLS.\n\nAttestation\n:   The confirmation by an authorized user that the information in an MU1R filing is accurate and complete. An MU1R cannot be submitted until attested.\n\nBase Record\n:   A system record that maintains the unique identifier and basic information for an institution or individual. A base record must exist before a corresponding filing can be created and submitted.\n\nEntity\n:   An institution or individual with a base record in NMLS. For MU1R purposes, an entity is a federally regulated institution such as a credit union, commercial bank, or thrift.\n\nFiling ID\n:   The unique identifier number generated by NMLS for each filing created. Each MU1R filing receives a Filing ID when it is created.\n\nHistorical Filing\n:   A filing that has been processed by the system and is viewable from the Composite View tab or the **Historical Filings** screen.\n\nInstitution\n:   A federal agency–regulated entity required to register in the NMLS Federal Registry, such as a bank, credit union, or thrift.\n\nInstitution Access Rights\n:   The rights an institution must have to access an individual’s record in order to create or submit MU4R filings on the individual’s behalf or to view the individual’s information.\n\nPending Filing\n:   An MU1R filing that has been created but not submitted. Pending filings remain in “Unsubmitted” status until deleted or submitted.\n\nRegistration\n:   The authorization that allows an institution or individual to engage in mortgage activity pursuant to its charter and regulatory requirements.\n\nRSSD ID\n:   The unique identifier assigned by the Federal Reserve to a depository institution. This ID is used in NMLS to associate institution records.\n\nSubsidiary\n:   An institution that is owned and controlled by another institution. Subsidiaries may also be required to file MU1R registrations depending on their activities.\n\n**Parent topic:**Institution MU1R Reg",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MU1RkeyTerms.md",
      "relative_path": "maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MU1RkeyTerms.md",
      "headings": [
        "MU1R Key Terms {#xd_df7df97c574be4a7--2013d503-199008abe28--7fba .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MU1RkeyTerms.html",
      "snippet": null
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    {
      "id": "maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MU1RkeyTerms.md:chunk-1",
      "title": "MU1R Key Terms {#xd_df7df97c574be4a7--2013d503-199008abe28--7fba .concept}",
      "content": "  An institution that is owned and controlled by another institution. Subsidiaries may also be required to file MU1R registrations depending on their activities.\n\n**Parent topic:**Institution MU1R Registration",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MU1RkeyTerms.md",
      "relative_path": "maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MU1RkeyTerms.md",
      "headings": [
        "MU1R Key Terms {#xd_df7df97c574be4a7--2013d503-199008abe28--7fba .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MU1RkeyTerms.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MU1Rpayment.md:chunk-0",
      "title": "Paying for an MU1R Filing {#xd_df7df97c574be4a7--2013d503-199008abe28--7fbd .task}",
      "content": "# Paying for an MU1R Filing \n\nAfter attesting to an MU1R filing, you must submit payment in NMLS using a credit card or ACH transfer.\n\nPayment for the MU1R filing is required at the time of submission. Institutions can pay using a Visa or MasterCard credit card, or via ACH bank account transfer. Payment details must be entered on the Submission and Payment screens before the filing is processed.\n\nFor an overview of fees and acceptable payment methods, see NMLS Processing Fees and NMLS Payment Options.\n\n1.  On the Submission and Payment screen, review the payment terms and conditions and click **I Agree**.\n\n2.  Select a payment type:\n\n    -   **Credit Card** \\(Visa® or Mastercard®\\)\n    -   **Bank Account \\(ACH\\)**\n3.  Enter all required fields in the Credit Card Information or Bank Account Information section. Required fields are marked with a red asterisk.\n\n    **Note:** To save credit card information for future use \\(up to 12 months\\), select the option “Save this payment information for future payments”.\n\n4.  Click **Next** to continue to the One Time Payment – Review Payment screen.\n\n5.  Review the payment information, then click **Confirm and Submit**.\n\n6.  On the Payment Confirmation screen, optionally click **Print** to keep a copy of the confirmation number. Then click **Finish**.\n\n    **Note:** After payment is confirmed, the filing is processed. You can view the invoice by selecting the **Invoice** link from the Filing Submission screen.\n\n**Parent topic:**Institution MU1R Registration\n\n**NMLS Reference Guide**  \n\nNMLS Processing Fees\n\nCorrecting Failed Payments\n\nNMLS Payment Options",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MU1Rpayment.md",
      "relative_path": "maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MU1Rpayment.md",
      "headings": [
        "Paying for an MU1R Filing {#xd_df7df97c574be4a7--2013d503-199008abe28--7fbd .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MU1Rpayment.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MU1Rregistration.md:chunk-0",
      "title": "Institution MU1R Registration {#xd_df7df97c574be4a7--2013d503-199008abe28--7fc6 .concept}",
      "content": "# Institution MU1R Registration \n\nThe MU1R is the institution filing used in the NMLS Federal Registry to establish a federally chartered or insured institution as a valid employer of mortgage loan originators \\(MLOs\\) and to meet federal registration requirements.\n\n## What is the MU1R? \n\nThe MU1R \\(Institution\\) filing is used by federally regulated institutions to submit and attest to information required to establish the institution’s record in the NMLS Federal Registry as the employer of its federally registered MLOs. Once the first MU1R is filed, it becomes the institution’s single record for future updates and submissions.\n\n## Do you need to file an MU1R? \n\nYour institution must file an MU1R in NMLS if both of the following are true:\n\n-   Your institution employs individuals who are required to be federally registered as MLOs; and\n-   Your institution is federally chartered or insured by one of the following agencies:\n    -   Farm Credit Administration\n    -   Federal Deposit Insurance Corporation\n    -   Board of Governors of the Federal Reserve System\n    -   National Credit Union Administration\n    -   Office of the Comptroller of the Currency, Treasury\n\nThe NMLS Federal Registry is the system of record that federally chartered or insured institutions and their MLOs must use to meet the federal registration requirement.\n\n## Before you begin \n\nConfirm your institution’s information in the NIC Database. Use the **Institution Search** to locate and review your record. If any information is incorrect, contact your Federal Reserve district to request a correction. After corrections are made, allow up to three days for updates to reach the NMLS Entitlement Center. You can complete the institution account request once the information updates.\n\n## Fees and payment \n\nMU1R submission requires payment at the time of filing. Review NMLS Processing Fees and available NMLS Payment Options.\n\n## Getting started in NMLS \n\nAccess NMLS from the NMLS Login Page. If you need he",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MU1Rregistration.md",
      "relative_path": "maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MU1Rregistration.md",
      "headings": [
        "Institution MU1R Registration {#xd_df7df97c574be4a7--2013d503-199008abe28--7fc6 .concept}",
        "What is the MU1R? {#what_is_mu1r .section}",
        "Do you need to file an MU1R? {#do_you_need_mu1r .section}",
        "Before you begin {#before_you_begin .section}",
        "Fees and payment {#payments_and_fees_summary .section}",
        "Getting started in NMLS {#getting_started_in_nmls .section}",
        "Related resources {#related_resources .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MU1Rregistration.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MU1Rregistration.md:chunk-1",
      "title": "Institution MU1R Registration {#xd_df7df97c574be4a7--2013d503-199008abe28--7fc6 .concept}",
      "content": "1R submission requires payment at the time of filing. Review NMLS Processing Fees and available NMLS Payment Options.\n\n## Getting started in NMLS \n\nAccess NMLS from the NMLS Login Page. If you need help administering your account, see Account Administration.\n\n## Related resources \n\n-   Completing an MU1R Filing\n-   Attesting and Submitting an MU1R Filing\n-   Paying for an MU1R Filing\n\n-   **Completing an MU1R Filing**  \nFollow these steps to create and complete a new MU1R filing for your institution in NMLS.\n-   **Attesting and Submitting an MU1R Filing**  \nAfter completing all sections of the MU1R, attest to the filing and submit it in NMLS.\n-   **Paying for an MU1R Filing**  \nAfter attesting to an MU1R filing, you must submit payment in NMLS using a credit card or ACH transfer.\n-   **Viewing a Pending MU1R Filing**  \nPending MU1R filings can be accessed, reviewed, and edited until they are submitted in NMLS.\n-   **Viewing Historical MU1R Filings**  \nUse the Historical Filings screen in NMLS to review previously submitted MU1R filings and compare changes between them.\n-   **MU1R Key Terms**  \nDefinitions of terms frequently used when completing and managing MU1R filings in NMLS.\n\n**NMLS Help**  \n\nAccount Administration\n\nChoosing Your Account Adminitstrators\n\nNMLS Two-Factor Authentication\n\nRequest an Individual Account\n\nNMLS Account Recovery\n\nManaging NMLS User Profiles",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MU1Rregistration.md",
      "relative_path": "maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MU1Rregistration.md",
      "headings": [
        "Institution MU1R Registration {#xd_df7df97c574be4a7--2013d503-199008abe28--7fc6 .concept}",
        "What is the MU1R? {#what_is_mu1r .section}",
        "Do you need to file an MU1R? {#do_you_need_mu1r .section}",
        "Before you begin {#before_you_begin .section}",
        "Fees and payment {#payments_and_fees_summary .section}",
        "Getting started in NMLS {#getting_started_in_nmls .section}",
        "Related resources {#related_resources .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MU1Rregistration.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MU1RviewHistorical.md:chunk-0",
      "title": "Viewing Historical MU1R Filings {#xd_df7df97c574be4a7--2013d503-199008abe28--7fbb .task}",
      "content": "# Viewing Historical MU1R Filings \n\nUse the Historical Filings screen in NMLS to review previously submitted MU1R filings and compare changes between them.\n\nHistorical MU1R filings allow you to review information from previously submitted filings. You can view individual filings, open them in a new browser window, and compare changes between two filings in a redline format.\n\n1.  Navigate to the NMLS Login page \\(Federal Context\\).\n\n2.  Log in to your NMLS account.\n\n    **Note:** If you are landed on the NMLS Connect screen, select **NMLS Federal Registry** in the Quick Links section.\n\n    \n\n3.  Select the **Federal** context, if the Context screen is displayed.\n\n    **Note:** Be sure you are in the Federal context by selecting **Federal** from the **You are currently** drop down list. Your screen should display the Federal Registry watermark.\n\n    \n\n4.  Click the Filing tab.\n\n5.  Select **MU1R** from the sub-menu.\n\n6.  In the navigation panel, click **Historical Filings**.\n\n7.  Click the **View** icon to open a specific filing in a new browser window or tab.\n\n8.  To compare two filings, select the checkboxes for both filings and click **Compare**.\n\n    **Note:** The MU1R filing opens in a new window or tab with changes displayed in redline. Updated sections include links for direct access.\n\n**Parent topic:**Institution MU1R Registration",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MU1RviewHistorical.md",
      "relative_path": "maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MU1RviewHistorical.md",
      "headings": [
        "Viewing Historical MU1R Filings {#xd_df7df97c574be4a7--2013d503-199008abe28--7fbb .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MU1RviewHistorical.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MU1RviewPending.md:chunk-0",
      "title": "Viewing a Pending MU1R Filing {#xd_df7df97c574be4a7--2013d503-199008abe28--7fbc .task}",
      "content": "# Viewing a Pending MU1R Filing \n\nPending MU1R filings can be accessed, reviewed, and edited until they are submitted in NMLS.\n\nA pending MU1R filing is one that has been created but not yet submitted. It remains in “Unsubmitted” status until it is either deleted or submitted. Pending filings older than 60 days generate a warning message when accessed.\n\n1.  Navigate to the NMLS Login page \\(Federal Context\\).\n\n2.  Log in to your NMLS account.\n\n    **Note:** If you are landed on the NMLS Connect screen, select **NMLS Federal Registry** in the Quick Links section.\n\n    \n\n3.  Select the **Federal** context, if the Context screen is displayed.\n\n    **Note:** Be sure you are in the Federal context by selecting **Federal** from the **You are currently** drop down list. Your screen should display the Federal Registry watermark.\n\n    \n\n4.  Click the Filing tab.\n\n5.  Select **MU1R** from the sub-menu.\n\n6.  Click the **Edit** icon next to the pending filing you want to view or update.\n\n**Parent topic:**Institution MU1R Registration",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MU1RviewPending.md",
      "relative_path": "maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MU1RviewPending.md",
      "headings": [
        "Viewing a Pending MU1R Filing {#xd_df7df97c574be4a7--2013d503-199008abe28--7fbc .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MU1RviewPending.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MU1RviewPending_2.md:chunk-0",
      "title": "Viewing a Pending MU1R Filing {#xd_df7df97c574be4a7--2013d503-199008abe28--7fbc .task}",
      "content": "# Viewing a Pending MU1R Filing \n\nPending MU1R filings can be accessed, reviewed, and edited until they are submitted in NMLS.\n\nA pending MU1R filing is one that has been created but not yet submitted. It remains in “Unsubmitted” status until it is either deleted or submitted. Pending filings older than 60 days generate a warning message when accessed.\n\n1.  Navigate to the NMLS Login page \\(Federal Context\\).\n\n2.  Log in to your NMLS account.\n\n    **Note:** If you are landed on the NMLS Connect screen, select **NMLS Federal Registry** in the Quick Links section.\n\n    \n\n3.  Select the **Federal** context, if the Context screen is displayed.\n\n    **Note:** Be sure you are in the Federal context by selecting **Federal** from the **You are currently** drop down list. Your screen should display the Federal Registry watermark.\n\n    \n\n4.  Click the Filing tab.\n\n5.  Select **MU1R** from the sub-menu.\n\n6.  Click the **Edit** icon next to the pending filing you want to view or update.\n\n**Parent topic:**Maintaining Your Institution Registration",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MU1RviewPending_2.md",
      "relative_path": "maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MU1RviewPending_2.md",
      "headings": [
        "Viewing a Pending MU1R Filing {#xd_df7df97c574be4a7--2013d503-199008abe28--7fbc .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MU1RviewPending_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MandA.md:chunk-0",
      "title": "Mergers and Acquisitions {#xd_df7df97c574be4a7--2013d503-199008abe28--7fc2 .concept}",
      "content": "# Mergers and Acquisitions \n\nThe Mergers and Acquisitions \\(M&A\\) functionality in NMLS allows institutions to transfer the employment records of Mortgage Loan Originators \\(MLOs\\) that move as a result of a merger, acquisition, or corporate reorganization.\n\nThe Mergers and Acquisitions functionality enables an acquiring institution to transfer multiple MLO employment records into its institution profile in NMLS. This feature is used when MLOs join an institution as part of a merger, acquisition, or corporate reorganization.\n\nBefore beginning the M&A process in NMLS, the acquiring institution must obtain an M&A Request Form from the NMLS Call Center 1-855-665-7123. Once completed and returned by the institution’s Account Administrator, NMLS enables M&A functionality for the institution.\n\nInstitutions use this process to upload a M&A Transfer CSV Template.csv) file containing the details of transferred MLOs. Files must follow the required format defined in the M&A Transfer File Specification. After submission, NMLS processes the file and generates results showing completed transfers and rejected records that require correction.\n\nInstitutions are also responsible for paying any fees associated with M&A transfers. Once payment is received, MLOs included in the file are notified to log into NMLS and accept or deny the transfer. Institutions can track pending, accepted, and denied transfers in the M&A Options section under the Tasks tab.\n\nThis section provides guidance for institutions on:\n\n-   Uploading a Merger and Acquisition Transfer File\n-   Viewing Processed Merger and Acquisition Transfer Files\n-   Handling Rejected Merger and Acquisition Transfer Files\n-   Paying Merger and Acquisition Fees\n-   Tracking the Status of Merger and Acquisition Transfers\n\n-   **Uploading a Merger and Acquisition Transfer File**  \nUpload a CSV file to NMLS to transfer Mortgage Loan Originator \\(MLO\\) employment records as part of a merger, acquisition, or corporate reorganization.\n-   ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MandA.md",
      "relative_path": "maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MandA.md",
      "headings": [
        "Mergers and Acquisitions {#xd_df7df97c574be4a7--2013d503-199008abe28--7fc2 .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MandA.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MandA.md:chunk-1",
      "title": "Mergers and Acquisitions {#xd_df7df97c574be4a7--2013d503-199008abe28--7fc2 .concept}",
      "content": "a Merger and Acquisition Transfer File**  \nUpload a CSV file to NMLS to transfer Mortgage Loan Originator \\(MLO\\) employment records as part of a merger, acquisition, or corporate reorganization.\n-   **Viewing Processed Merger and Acquisition Transfer Files**  \nView processed M&A transfer files in NMLS to confirm completed transfers and identify any rejected records.\n-   **Handling Rejected Merger and Acquisition Transfer Files**  \nReview and correct errors in rejected M&A transfer files to ensure successful processing of MLO employment transfers in NMLS.\n-   **Paying Merger and Acquisition Fees**  \nPay fees in NMLS associated with M&A transfer files submitted by your institution.\n-   **Tracking the Status of Merger and Acquisition Transfers**  \nTrack the status of M&A transfers in NMLS to monitor whether MLOs have accepted, denied, or left pending the transfer of their employment records.\n\n**NMLS Help**  \n\nAccount Administration\n\nChoosing Your Account Adminitstrators\n\nNMLS Two-Factor Authentication\n\nRequest an Individual Account\n\nNMLS Account Recovery\n\nManaging NMLS User Profiles",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MandA.md",
      "relative_path": "maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MandA.md",
      "headings": [
        "Mergers and Acquisitions {#xd_df7df97c574be4a7--2013d503-199008abe28--7fc2 .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MandA.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MandA_paying.md:chunk-0",
      "title": "Paying Merger and Acquisition Fees {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7fda .task}",
      "content": "# Paying Merger and Acquisition Fees \n\nPay fees in NMLS associated with M&A transfer files submitted by your institution.\n\nInstitutions must pay fees in NMLS after submitting an M&A transfer file. Payment is required before the transferred MLOs can complete the employment transfer process by accepting or denying the change in their individual accounts.\n\n1.  Navigate to the NMLS Login page \\(Federal Context\\).\n\n2.  Log in to your NMLS account.\n\n    **Note:** If you are landed on the NMLS Connect screen, select **NMLS Federal Registry** in the Quick Links section.\n\n    \n\n3.  Select the **Federal** context, if the Context screen is displayed.\n\n    **Note:** Be sure you are in the Federal context by selecting **Federal** from the **You are currently** drop down list. Your screen should display the Federal Registry watermark.\n\n    \n\n4.  From the NMLS Home screen, click the **Tasks** tab.\n\n5.  Select **M&A Options** from the sub-menu.\n\n6.  Select the hyperlink for the acquired institution.\n\n7.  Click **Pay Invoice** in the M&A Options section.\n\n8.  Review the invoice details and select the checkbox to agree to the terms and conditions.\n\n9.  Select your payment method \\(VISA, MasterCard, or ACH\\).\n\n10. Click **Submit Payment** to complete the transaction.\n\n    **Note:** The system displays a confirmation message once the payment is successful. Using ACH requires a bank account number and routing number.\n\n**Parent topic:**Mergers and Acquisitions\n\n**NMLS Reference Guide**  \n\nNMLS Processing Fees\n\nCorrecting Failed Payments\n\nNMLS Payment Options",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MandA_paying.md",
      "relative_path": "maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MandA_paying.md",
      "headings": [
        "Paying Merger and Acquisition Fees {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7fda .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MandA_paying.html",
      "snippet": null
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    {
      "id": "maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MandA_rejectedRecords.md:chunk-0",
      "title": "Handling Rejected Merger and Acquisition Transfer Files {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7fdb .task}",
      "content": "# Handling Rejected Merger and Acquisition Transfer Files \n\nReview and correct errors in rejected M&A transfer files to ensure successful processing of MLO employment transfers in NMLS.\n\nIf errors are found in an uploaded M&A transfer file, NMLS lists the affected records in the Rejected Records section of the Processed File List and Results screen. Each rejected record is displayed with details from the original file and an **Error Description** column identifying the issue.\n\nInstitutions must correct these errors and re-upload the file to complete the transfer process.\n\n1.  Navigate to the NMLS Login page \\(Federal Context\\).\n\n2.  Log in to your NMLS account.\n\n    **Note:** If you are landed on the NMLS Connect screen, select **NMLS Federal Registry** in the Quick Links section.\n\n    \n\n3.  Select the **Federal** context, if the Context screen is displayed.\n\n    **Note:** Be sure you are in the Federal context by selecting **Federal** from the **You are currently** drop down list. Your screen should display the Federal Registry watermark.\n\n    \n\n4.  From the NMLS Home screen, click the **Tasks** tab.\n\n5.  Select **M&A Options** from the sub-menu.\n\n6.  Select the hyperlink for the acquired institution.\n\n7.  Click the numeric link under **Rejected Records** for the desired file.\n\n8.  Review the **Error Description** column in the Rejected Records file and identify corrections needed.\n\n9.  Update your transfer file using the M&A Transfer CSV Template.csv) and follow the M&A Transfer File Specification.\n\n10. Save the corrected file and upload it again as a new M&A transfer file.\n\n    **Note:** The system confirms whether the corrected file was successfully uploaded and processed.\n\n**Parent topic:**Mergers and Acquisitions",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MandA_rejectedRecords.md",
      "relative_path": "maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MandA_rejectedRecords.md",
      "headings": [
        "Handling Rejected Merger and Acquisition Transfer Files {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7fdb .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MandA_rejectedRecords.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MandA_renewal.md:chunk-0",
      "title": "Mergers and Acquisitions During Renewal {#fedInst_mergersAcquisitions_duringRenewal .concept}",
      "content": "# Mergers and Acquisitions During Renewal \n\nExplains how mergers and acquisitions affect Mortgage Loan Originator \\(MLO\\) registration renewal in NMLS and outlines common scenarios based on regulator type and transaction timing.\n\nWhen transferring Mortgage Loan Originators \\(MLOs\\) through the NMLS Mergers and Acquisitions \\(M&A\\) feature, certain requirements must be met to ensure proper registration and renewal alignment between institutions.\n\nGeneral requirements\n:   -   MLOs must have an active federal registration with the acquired institution.\n-   The purchasing institution must also have an active federal registration.\n\n    Completing an M&A during the NMLS Renewal Period \\(November 1 – December 31\\) can create confusion about whether MLOs are required to renew. The determination depends on each MLO’s initial registration date.\n\n    If an MLO's active initial registration is **on or before June 30** they are required to renew.\n\n    If an MLO's active initial registration is **on or after July 1** they are exempt from renewal.\n\nScenario 1 – Same federal regulator; transaction before Renewal Period\n:   *Example:* Bank A acquires Bank B on October 1. Both have the same federal regulator.\n\n    The recommended approach is to complete the M&A before the Renewal Period \\(November 1\\). Once the process is complete, MLOs eligible for renewal will be renewed by the purchasing institution \\(Bank A\\).\n\n    If any MLO under the acquired institution \\(Bank B\\) has not completed the transfer before November 1, that MLO must first renew with Bank B. After renewal, the MLO can complete the M&A. Those MLOs will not need to renew again with the purchasing institution.\n\nScenario 2 – Different federal regulators; transaction before Renewal Period\n:   *Example:* Bank A acquires Bank B on October 1. The institutions have different federal regulators.\n\n    The best course of action is to complete the M&A before the Renewal Period. Once completed, MLOs eligible for renewal will be re",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MandA_renewal.md",
      "relative_path": "maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MandA_renewal.md",
      "headings": [
        "Mergers and Acquisitions During Renewal {#fedInst_mergersAcquisitions_duringRenewal .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MandA_renewal.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MandA_renewal.md:chunk-1",
      "title": "Mergers and Acquisitions During Renewal {#fedInst_mergersAcquisitions_duringRenewal .concept}",
      "content": " on October 1. The institutions have different federal regulators.\n\n    The best course of action is to complete the M&A before the Renewal Period. Once completed, MLOs eligible for renewal will be renewed by the purchasing institution \\(Bank A\\).\n\n    If any MLO under Bank B has not completed the transfer before November 1, they must first renew with Bank B. Afterward, they can complete the M&A and will then need to be renewed again by Bank A.\n\nScenario 3 – Same federal regulator; transaction after Renewal Period begins\n:   *Example:* Bank A acquires Bank B on November 1. Both institutions have the same federal regulator.\n\n    The acquired institution \\(Bank B\\) must renew all MLOs before the purchasing institution \\(Bank A\\) can complete the M&A. Once transferred, those MLOs will not need to renew again with Bank A.\n\nScenario 4 – Different federal regulators; transaction after Renewal Period begins\n:   *Example:* Bank A acquires Bank B on November 1. The institutions have different federal regulators.\n\n    The acquired institution \\(Bank B\\) must renew all MLOs before Bank A can complete the M&A. Once the transfer is complete:\n\n    -   The MLO will not need to renew again if this is their first federal registration.\n    -   The MLO must renew again if they have previously held a federal registration.\n\n**Parent topic:**Renewing Your Registrations",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MandA_renewal.md",
      "relative_path": "maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MandA_renewal.md",
      "headings": [
        "Mergers and Acquisitions During Renewal {#fedInst_mergersAcquisitions_duringRenewal .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MandA_renewal.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MandA_trackStatus.md:chunk-0",
      "title": "Tracking the Status of Merger and Acquisition Transfers {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7fd1 .task}",
      "content": "# Tracking the Status of Merger and Acquisition Transfers \n\nTrack the status of M&A transfers in NMLS to monitor whether MLOs have accepted, denied, or left pending the transfer of their employment records.\n\nAfter an M&A transfer file is uploaded and payment is received, affected MLOs are notified by NMLS to log in and accept or deny the transfer. Institutions can track the status of these transfers to ensure employment records are updated correctly.\n\nStatus categories include “Pending”, “Accepted”, and “Denied”. Pending transfers require action from the MLO, while accepted transfers complete the employment change. Denied transfers indicate that the MLO did not approve the employment transfer.\n\n1.  Navigate to the NMLS Login page \\(Federal Context\\).\n\n2.  Log in to your NMLS account.\n\n    **Note:** If you are landed on the NMLS Connect screen, select **NMLS Federal Registry** in the Quick Links section.\n\n    \n\n3.  Select the **Federal** context, if the Context screen is displayed.\n\n    **Note:** Be sure you are in the Federal context by selecting **Federal** from the **You are currently** drop down list. Your screen should display the Federal Registry watermark.\n\n    \n\n4.  From the NMLS Home screen, click the **Tasks** tab.\n\n5.  Select **M&A Options** from the sub-menu.\n\n6.  Select the hyperlink for the acquired institution.\n\n7.  Click **View Transfer Status** from the left navigation panel.\n\n8.  Review the list of MLOs and their transfer statuses.\n\n    **Note:** The system displays transfer details, including MLO name, NMLS ID, and transfer status \\(“Pending”, “Accepted”, or “Denied”\\).\n\n**Parent topic:**Mergers and Acquisitions",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MandA_trackStatus.md",
      "relative_path": "maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MandA_trackStatus.md",
      "headings": [
        "Tracking the Status of Merger and Acquisition Transfers {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7fd1 .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MandA_trackStatus.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MandA_uploading.md:chunk-0",
      "title": "Uploading a Merger and Acquisition Transfer File {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7fdd .task}",
      "content": "# Uploading a Merger and Acquisition Transfer File \n\nUpload a CSV file to NMLS to transfer Mortgage Loan Originator \\(MLO\\) employment records as part of a merger, acquisition, or corporate reorganization.\n\nInstitutions can upload a CSV file in NMLS to transfer MLO employment records resulting from a merger, acquisition, or corporate reorganization. The file must follow the required format and contain accurate data to ensure records are processed successfully.\n\nUse the following resources to prepare your transfer file:\n\n-   M&A Transfer CSV Template.csv)\n-   M&A Transfer File Specification\n\n1.  Navigate to the NMLS Login page \\(Federal Context\\).\n\n2.  Log in to your NMLS account.\n\n    **Note:** If you are landed on the NMLS Connect screen, select **NMLS Federal Registry** in the Quick Links section.\n\n    \n\n3.  Select the **Federal** context, if the Context screen is displayed.\n\n    **Note:** Be sure you are in the Federal context by selecting **Federal** from the **You are currently** drop down list. Your screen should display the Federal Registry watermark.\n\n    \n\n4.  From the NMLS Home screen, click the **Tasks** tab.\n\n5.  Select **M&A Options** from the sub-menu.\n\n6.  Select the hyperlink for the acquired institution.\n\n7.  Click **Upload New M&A File** from the left navigation panel.\n\n8.  Click **Browse** and select your completed CSV transfer file.\n\n9.  Check the verification box and click **Attest** to confirm the accuracy of the file contents.\n\n10. Click **Upload** to submit the file for processing.\n\n    **Note:** The Upload New M&A File screen will confirm that the file was uploaded successfully.\n\n**Parent topic:**Mergers and Acquisitions",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MandA_uploading.md",
      "relative_path": "maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MandA_uploading.md",
      "headings": [
        "Uploading a Merger and Acquisition Transfer File {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7fdd .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MandA_uploading.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MandA_viewProcessed.md:chunk-0",
      "title": "Viewing Processed Merger and Acquisition Transfer Files {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7fdc .task}",
      "content": "# Viewing Processed Merger and Acquisition Transfer Files \n\nView processed M&A transfer files in NMLS to confirm completed transfers and identify any rejected records.\n\nAfter a merger and acquisition \\(M&A\\) transfer file is uploaded, NMLS processes the file and generates results that show the number of completed transfers and rejected records. The Processed File List and Results screen provides details including file name, file ID, upload date, number of completed records, and number of rejected records. Institutions can download detailed reports to review outcomes and resolve errors.\n\n1.  Navigate to the NMLS Login page \\(Federal Context\\).\n\n2.  Log in to your NMLS account.\n\n    **Note:** If you are landed on the NMLS Connect screen, select **NMLS Federal Registry** in the Quick Links section.\n\n    \n\n3.  Select the **Federal** context, if the Context screen is displayed.\n\n    **Note:** Be sure you are in the Federal context by selecting **Federal** from the **You are currently** drop down list. Your screen should display the Federal Registry watermark.\n\n    \n\n4.  From the NMLS Home screen, click the **Tasks** tab.\n\n5.  Select **M&A Options** from the sub-menu.\n\n6.  Select the hyperlink for the acquired institution.\n\n7.  Click **Processed File List and Results** from the left navigation panel.\n\n8.  Review file details, including **File ID**, **File Name**, **Uploaded On**, **Uploaded By**, **Total Records**, **Completed Records**, and **Rejected Records**.\n\n9.  Click the numeric link under **Completed Records** or **Rejected Records** to download detailed files for review.\n\n    **Note:** By clicking the Excel icon, you can also download the original transfer file that was uploaded.\n\n**Parent topic:**Mergers and Acquisitions",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MandA_viewProcessed.md",
      "relative_path": "maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_MandA_viewProcessed.md",
      "headings": [
        "Viewing Processed Merger and Acquisition Transfer Files {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7fdc .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_MandA_viewProcessed.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_maintMLOregistration.md:chunk-0",
      "title": "Maintaining Your MLO Registrations {#xd_df7df97c574be4a7--2013d503-199008abe28--7fc3 .concept}",
      "content": "# Maintaining Your MLO Registrations \n\nInstitutions are responsible for keeping Mortgage Loan Originator \\(MLO\\) employment and registration records accurate and up to date in NMLS.\n\nAfter an MLO’s initial registration is confirmed, institutions must maintain accurate employment and filing records in NMLS. This includes making timely updates when information changes, requesting corrections when errors occur, and ensuring that MLOs attest to the accuracy of amended filings.\n\nMaintenance of MLO registrations in NMLS may include the following activities:\n\n-   Editing MLO Employment Start Date\n-   Requesting Corrections to Employment Information\n-   Recalling Previously Submitted Employment Information Correction Requests\n-   Amending MU4R Filings on Behalf of an MLO\n\nEach of these activities requires careful coordination between the institution and the MLO to ensure that records remain current and compliant with federal registration requirements.\n\n-   **Editing MLO Employment Start Date**  \nEdit the employment start date for an MLO record when the original date was entered incorrectly or requires updating.\n-   **Requesting Corrections to Employment Information**  \nRequest a correction to an MLO’s employment record in NMLS when submitted information is inaccurate or incomplete.\n-   **Recalling Previously Submitted Employment Information Correction Requests**  \nRecall a correction request for an MLO’s employment record in NMLS when the request is no longer valid or needs to be withdrawn.\n-   **Amending MU4R Filings on Behalf of an MLO**  \nInitiate or recall an MU4R amendment filing for an MLO to ensure records remain accurate and current in NMLS.\n-   **Terminating Employment Records**  \nInstitutions can terminate MLO employment records in NMLS either individually or in bulk using a CSV upload process.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_maintMLOregistration.md",
      "relative_path": "maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_maintMLOregistration.md",
      "headings": [
        "Maintaining Your MLO Registrations {#xd_df7df97c574be4a7--2013d503-199008abe28--7fc3 .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_maintMLOregistration.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_maintRegistration.md:chunk-0",
      "title": "Maintaining Your Institution Registration {#xd_df7df97c574be4a7--2013d503-199008abe28--7fc5 .concept}",
      "content": "# Maintaining Your Institution Registration \n\nFederally regulated institutions must keep their MU1R filings up to date in NMLS to ensure compliance and accurate records.\n\nOnce an institution is registered in NMLS, the registration must be maintained by submitting amendments whenever changes occur. The MU1R filing serves as the official record for your institution and must reflect accurate and current information.\n\nMaintenance activities include:\n\n-   Amending the MU1R Filing\n-   Updating Your Institution’s Legal Name\n-   Viewing a Pending MU1R Filing\n-   Confirming Your Institution Registration Status\n\n-   **Amending the MU1R Filing**  \nSubmit amendments to your institution’s MU1R as changes occur. This task shows how to create or continue an MU1R amendment and submit it in NMLS.\n-   **Updating Your Institution’s Legal Name**  \nBefore amending the MU1R, ensure your institution’s new legal name is updated in the Federal Reserve’s NIC Database. Then request and process the legal name change through NMLS and submit the update.\n-   **Viewing a Pending MU1R Filing**  \nPending MU1R filings can be accessed, reviewed, and edited until they are submitted in NMLS.\n-   **Confirming Your Institution Registration Status**  \nYou can confirm your institution’s registration status at any time by viewing the Composite View tab or by checking the Historical Filings screen in NMLS.\n\n**NMLS Help**  \n\nAccount Administration\n\nChoosing Your Account Adminitstrators\n\nNMLS Two-Factor Authentication\n\nRequest an Individual Account\n\nNMLS Account Recovery\n\nManaging NMLS User Profiles",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_maintRegistration.md",
      "relative_path": "maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_maintRegistration.md",
      "headings": [
        "Maintaining Your Institution Registration {#xd_df7df97c574be4a7--2013d503-199008abe28--7fc5 .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_maintRegistration.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_maint_MU1Ramendment.md:chunk-0",
      "title": "Amending the MU1R Filing {#xd_df7df97c574be4a7--2013d503-199008abe28--7fb8 .task}",
      "content": "# Amending the MU1R Filing \n\nSubmit amendments to your institution’s MU1R as changes occur. This task shows how to create or continue an MU1R amendment and submit it in NMLS.\n\nUse this procedure to amend the MU1R record for your federally regulated institution.\n\n1.  Navigate to the NMLS Login page \\(Federal Context\\).\n\n2.  Log in to your NMLS account.\n\n    **Note:** If you are landed on the NMLS Connect screen, select **NMLS Federal Registry** in the Quick Links section.\n\n    \n\n3.  Select the **Federal** context, if the Context screen is displayed.\n\n    **Note:** Be sure you are in the Federal context by selecting **Federal** from the **You are currently** drop down list. Your screen should display the Federal Registry watermark.\n\n    \n\n4.  Click the Filing tab.\n\n5.  Click **MU1R** on the sub-menu.\n\n6.  Click **Create New Filing**.\n\n    **Note:** If **Create New Filing** is not available, a pending filing may already exist. Click the **Edit** icon to continue editing the pending MU1R filing, or click the **Delete** icon to remove it and start a new filing.\n\n7.  In the left navigation panel, select each section that requires amendment, make the necessary changes, and click **Save**.\n\n8.  When all changes are complete, click **Attest and Submit** on the left navigation panel.\n\n9.  Review the attestation statement, select the identity verification checkbox, and click **Attest and Submit** to submit the filing.\n\n**Parent topic:**Maintaining Your Institution Registration",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_maint_MU1Ramendment.md",
      "relative_path": "maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_maint_MU1Ramendment.md",
      "headings": [
        "Amending the MU1R Filing {#xd_df7df97c574be4a7--2013d503-199008abe28--7fb8 .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_maint_MU1Ramendment.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_maint_legalNameUpdate.md:chunk-0",
      "title": "Updating Your Institution’s Legal Name {#xd_df7df97c574be4a7--2013d503-199008abe28--7fb7 .task}",
      "content": "# Updating Your Institution’s Legal Name \n\nBefore amending the MU1R, ensure your institution’s new legal name is updated in the Federal Reserve’s NIC Database. Then request and process the legal name change through NMLS and submit the update.\n\nUse this procedure when your federally regulated institution has changed its legal name. NMLS verifies the name against the Federal Reserve System’s National Information Center \\(NIC\\) Database; ensure that record is correct prior to submitting the request in NMLS.\n\n1.  Navigate to the NMLS Login page \\(Federal Context\\).\n\n2.  Log in to your NMLS account.\n\n    **Note:** If you are landed on the NMLS Connect screen, select **NMLS Federal Registry** in the Quick Links section.\n\n    \n\n3.  Select the **Federal** context, if the Context screen is displayed.\n\n    **Note:** Be sure you are in the Federal context by selecting **Federal** from the **You are currently** drop down list. Your screen should display the Federal Registry watermark.\n\n    \n\n4.  Confirm your institution’s new legal name is correctly reflected in the NIC Database.\n\n    **Note:** To prevent processing delays, update the NIC record before requesting the legal name change in NMLS. If the NIC entry is incorrect, contact the appropriate Federal Reserve Bank NIC contact to correct it; allow time for the update to propagate to NMLS Entitlement.\n\n5.  Contact the NMLS Call Center at 1-855-665-7123 and request the **Federal Institution Legal Name Change Request Form**.\n\n    **Note:** This request form can only be sent to an institution’s **Account Administrators** or **Contact Person**.\n\n6.  Complete the request form and submit it following the instructions on the form.\n\n7.  Wait for NMLS Entitlement to verify the name change in the NIC Database and update your institution’s legal name in NMLS.\n\n    **Note:** You will receive a call from the NMLS Call Center confirming the change.\n\n8.  In NMLS, click the Filing tab.\n\n9.  Click **MU1R** on the sub-menu.\n\n10. Click **Create",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_maint_legalNameUpdate.md",
      "relative_path": "maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_maint_legalNameUpdate.md",
      "headings": [
        "Updating Your Institution’s Legal Name {#xd_df7df97c574be4a7--2013d503-199008abe28--7fb7 .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_maint_legalNameUpdate.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_maint_legalNameUpdate.md:chunk-1",
      "title": "Updating Your Institution’s Legal Name {#xd_df7df97c574be4a7--2013d503-199008abe28--7fb7 .task}",
      "content": "legal name in NMLS.\n\n    **Note:** You will receive a call from the NMLS Call Center confirming the change.\n\n8.  In NMLS, click the Filing tab.\n\n9.  Click **MU1R** on the sub-menu.\n\n10. Click **Create New Filing**.\n\n    **Note:** If **Create New Filing** is not available, a pending filing may already exist. Click the **Edit** icon to continue editing the pending MU1R filing, or click the **Delete** icon to remove it and start a new filing.\n\n11. Use the left navigation to review the sections impacted by the legal name change, make any additional required updates, and click **Save**.\n\n12. Click **Attest and Submit**, check the identity verification box, and click **Attest and Submit** to finalize the update.\n\nOnce processed, the filing becomes a historical filing and can be viewed from Historical Filings or via Composite View.\n\n**Important:** MLOs must update the Employment Records section of the MU4R to reflect the updated institution legal name; an individual’s employer name does not update automatically.\n\n**Parent topic:**Maintaining Your Institution Registration",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_maint_legalNameUpdate.md",
      "relative_path": "maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_maint_legalNameUpdate.md",
      "headings": [
        "Updating Your Institution’s Legal Name {#xd_df7df97c574be4a7--2013d503-199008abe28--7fb7 .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_maint_legalNameUpdate.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_maint_registrationStatusConfirm.md:chunk-0",
      "title": "Confirming Your Institution Registration Status {#xd_df7df97c574be4a7--2013d503-199008abe28--7fb6 .task}",
      "content": "# Confirming Your Institution Registration Status \n\nYou can confirm your institution’s registration status at any time by viewing the Composite View tab or by checking the Historical Filings screen in NMLS.\n\nAfter submitting an MU1R amendment, you should confirm that your institution’s registration record is accurate and current. Use Composite View to check your current status and the Historical Filings screen to review past submissions.\n\n1.  Navigate to the NMLS Login page \\(Federal Context\\).\n\n2.  Log in to your NMLS account.\n\n    **Note:** If you are landed on the NMLS Connect screen, select **NMLS Federal Registry** in the Quick Links section.\n\n    \n\n3.  Select the **Federal** context, if the Context screen is displayed.\n\n    **Note:** Be sure you are in the Federal context by selecting **Federal** from the **You are currently** drop down list. Your screen should display the Federal Registry watermark.\n\n    \n\n4.  Click the Composite View tab to confirm your institution’s current registration status.\n\n5.  To view previously submitted amendments, click the Filing tab, select **MU1R**, and then click **Historical Filings**.\n\n6.  Click the **View** icon to open a specific filing, or select two filings and click **Compare** to view changes between filings in redline format.\n\nThe Composite View tab shows the current registration record for your institution, while Historical Filings provides a permanent record of all processed MU1R filings.\n\n**Parent topic:**Maintaining Your Institution Registration",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_maint_registrationStatusConfirm.md",
      "relative_path": "maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_maint_registrationStatusConfirm.md",
      "headings": [
        "Confirming Your Institution Registration Status {#xd_df7df97c574be4a7--2013d503-199008abe28--7fb6 .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_maint_registrationStatusConfirm.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_renewMLO_manual.md:chunk-0",
      "title": "Manually Renewing or Reactivating MLOs {#xd_df7df97c574be4a7--2013d503-199008abe28--7fcf .task}",
      "content": "# Manually Renewing or Reactivating MLOs \n\nInstitutions with 100 or fewer eligible MLOs can manually select and submit renewals or reactivations using the Renewal/Reactivation Selection List.\n\nUse this procedure to manually renew or reactivate MLO registrations in NMLS. This method is recommended for smaller institutions and is available when 100 or fewer eligible MLOs remain. All MLOs submitted for renewal/reactivation must attest to their records to complete the process.\n\n1.  Navigate to the NMLS Login page \\(Federal Context\\).\n\n2.  Log in to your NMLS account.\n\n    **Note:** If you are landed on the NMLS Connect screen, select **NMLS Federal Registry** in the Quick Links section.\n\n    \n\n3.  Select the **Federal** context, if the Context screen is displayed.\n\n    **Note:** Be sure you are in the Federal context by selecting **Federal** from the **You are currently** drop down list. Your screen should display the Federal Registry watermark.\n\n    \n\n4.  Click **Renew/Reactivate**.\n\n5.  Click **Submit**.\n\n6.  Click **Manual**.\n\n    **Note:** The Renewal/Reactivation Selection List screen opens.\n\n7.  Select the checkbox next to each MLO to be renewed or reactivated.\n\n    **Note:** Clicking the **Renew** icon selects all MLOs listed.\n\n8.  Click **Add to Cart**.\n\n9.  Open the cart by clicking **Renewals Cart** or **Proceed to Cart**.\n\n10. Review the cart and click **Proceed to Invoice**.\n\n11. Read the attestation statement, select the verification checkbox, and click **Pay Invoice**.\n\n12. Review the payment terms and click **I Agree**.\n\n13. Select a payment type \\(**Credit Card** or **Bank Account**\\), enter required fields, and submit payment.\n\n    **Note:** After payment, MLOs receive an email requesting attestation. They must log in and attest by December 31 to remain *Active*. If they do not attest, their status changes to *Inactive – Failed to Renew* and a reactivation request is required.\n\nThe MLO renewal/reactivation request is submitted and processing begins. Eac",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_renewMLO_manual.md",
      "relative_path": "maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_renewMLO_manual.md",
      "headings": [
        "Manually Renewing or Reactivating MLOs {#xd_df7df97c574be4a7--2013d503-199008abe28--7fcf .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_renewMLO_manual.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_renewMLO_manual.md:chunk-1",
      "title": "Manually Renewing or Reactivating MLOs {#xd_df7df97c574be4a7--2013d503-199008abe28--7fcf .task}",
      "content": "tive*. If they do not attest, their status changes to *Inactive – Failed to Renew* and a reactivation request is required.\n\nThe MLO renewal/reactivation request is submitted and processing begins. Each MLO must attest to their record for the registration to remain Active.\n\n**Parent topic:**Renewing and Reactivating MLO Registrations",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_renewMLO_manual.md",
      "relative_path": "maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_renewMLO_manual.md",
      "headings": [
        "Manually Renewing or Reactivating MLOs {#xd_df7df97c574be4a7--2013d503-199008abe28--7fcf .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_renewMLO_manual.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_renewMLOupload.md:chunk-0",
      "title": "Renewing or Reactivating MLOs by Upload {#xd_df7df97c574be4a7--2013d503-199008abe28--7fce .task}",
      "content": "# Renewing or Reactivating MLOs by Upload \n\nInstitutions can renew or reactivate large groups of MLOs at once by creating and uploading a renewal/reactivation file in CSV format.\n\nInstitutions with more than 100 eligible MLOs must use the upload process to submit renewals/reactivations. All institutions may use the MLO Renewal Batch Upload CSV file, which supports up to 10,000 MLO records at one time. Develop the upload file according to the MLO Renewal Batch Upload Specifications file.\n\n1.  Navigate to the NMLS Login page \\(Federal Context\\).\n\n2.  Log in to your NMLS account.\n\n    **Note:** If you are landed on the NMLS Connect screen, select **NMLS Federal Registry** in the Quick Links section.\n\n    \n\n3.  Select the **Federal** context, if the Context screen is displayed.\n\n    **Note:** Be sure you are in the Federal context by selecting **Federal** from the **You are currently** drop down list. Your screen should display the Federal Registry watermark.\n\n    \n\n4.  Click **Renew/Reactivate**.\n\n5.  Click **Submit**.\n\n6.  Click **Upload**.\n\n    **Note:** The Renewal/Reactivation Upload screen opens.\n\n7.  Click **Browse** and select the MLO Renewal Batch Upload CSV file that contains eligible MLOs for renewal/reactivation.\n\n    **Note:** The file must include only two columns: **NMLS ID** \\(required\\) and **Renewal Group Name** \\(optional\\). Institutions can generate this file by exporting and editing the Renewal/Reactivation Activity Report.\n\n8.  Enter a description for the file \\(optional\\).\n\n9.  Click **Upload**.\n\n    **Note:** A gold bar message displays while the file is processing. Refresh the page to view processing results.\n\n10. Review the processing results. Correct any rejected records, create a new file if needed, and re-upload.\n\n    **Note:** Common rejection reasons include invalid IDs, missing required fields, or ineligible MLO statuses. A detailed error list is available on the Renewal/Reactivation Uploads screen.\n\n11. Click the **Unpaid** link for the ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_renewMLOupload.md",
      "relative_path": "maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_renewMLOupload.md",
      "headings": [
        "Renewing or Reactivating MLOs by Upload {#xd_df7df97c574be4a7--2013d503-199008abe28--7fce .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_renewMLOupload.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_renewMLOupload.md:chunk-1",
      "title": "Renewing or Reactivating MLOs by Upload {#xd_df7df97c574be4a7--2013d503-199008abe28--7fce .task}",
      "content": "reasons include invalid IDs, missing required fields, or ineligible MLO statuses. A detailed error list is available on the Renewal/Reactivation Uploads screen.\n\n11. Click the **Unpaid** link for the processed file to view the invoice.\n\n12. Click **Pay Invoice** and complete payment using an accepted method.\n\nAfter payment, MLOs included in the upload receive email notifications to attest to their records. MLOs must log in and attest by December 31 to remain *Active*. If they do not attest, their status changes to *Inactive – Failed to Renew* and requires reactivation.\n\n**Parent topic:**Renewing and Reactivating MLO Registrations",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_renewMLOupload.md",
      "relative_path": "maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_renewMLOupload.md",
      "headings": [
        "Renewing or Reactivating MLOs by Upload {#xd_df7df97c574be4a7--2013d503-199008abe28--7fce .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_renewMLOupload.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_renewalActivityReport.md:chunk-0",
      "title": "Using the Renewal/Reactivation Activity Report {#xd_df7df97c574be4a7--2013d503-199008abe28--7fd3 .concept}",
      "content": "# Using the Renewal/Reactivation Activity Report \n\nThe Renewal/Reactivation Activity Report provides real-time information on MLO eligibility and status, helping institutions track and manage renewals and reactivations.\n\nThe Renewal/Reactivation Activity Report is available to institution users and provides a current list of employed Mortgage Loan Originators \\(MLOs\\) eligible for renewal or reactivation, along with their statuses. The report can be run on demand throughout the renewal period and helps institutions determine which MLOs to submit and how to submit them.\n\n## Purpose { .section}\n\nThe report shows which MLOs are eligible for renewal/reactivation, their current status, and whether they need to attest to their record. Institutions can use the report to decide whether to use manual submission or the upload process.\n\n## Statuses in the report { .section}\n\nThe report displays several possible renewal/reactivation statuses, including:\n\n-   **Exempt:** MLO is exempt from renewal in the period.\n-   **Not Requested:** No renewal/reactivation request has been submitted.\n-   **Pending Attestation:** Renewal/reactivation request submitted, awaiting MLO attestation.\n-   **Renewed:** MLO registration has been renewed for the current period.\n-   **Reactivated:** MLO registration has been reactivated after a failed renewal.\n\n## Accessing the report { .section}\n\nTo generate the report, log in to NMLS, click the **Renew/Reactivate** tab, and click the Excel icon next to the Renewal/Reactivation Activity Report.\n\n## Using the report for planning { .section}\n\nInstitutions can filter and sort the report to identify which MLOs are eligible for renewal or reactivation. This helps determine whether manual or upload submission is appropriate based on the number of eligible MLOs. The report aligns with the upload file format, making it easy to prepare CSV files for batch submission.\n\n## Related resources { .section}\n\n-   Running the Renewal/Reactivation Activity Report\n\n-   **Ru",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_renewalActivityReport.md",
      "relative_path": "maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_renewalActivityReport.md",
      "headings": [
        "Using the Renewal/Reactivation Activity Report {#xd_df7df97c574be4a7--2013d503-199008abe28--7fd3 .concept}",
        "Purpose { .section}",
        "Statuses in the report { .section}",
        "Accessing the report { .section}",
        "Using the report for planning { .section}",
        "Related resources { .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_renewalActivityReport.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_renewalActivityReport.md:chunk-1",
      "title": "Using the Renewal/Reactivation Activity Report {#xd_df7df97c574be4a7--2013d503-199008abe28--7fd3 .concept}",
      "content": "e report aligns with the upload file format, making it easy to prepare CSV files for batch submission.\n\n## Related resources { .section}\n\n-   Running the Renewal/Reactivation Activity Report\n\n-   **Running the Renewal/Reactivation Activity Report**  \nGenerate and use the Renewal/Reactivation Activity Report in NMLS to identify eligible MLOs and track renewal or reactivation status.\n\n**Parent topic:**Renewing Your Registrations",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_renewalActivityReport.md",
      "relative_path": "maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_renewalActivityReport.md",
      "headings": [
        "Using the Renewal/Reactivation Activity Report {#xd_df7df97c574be4a7--2013d503-199008abe28--7fd3 .concept}",
        "Purpose { .section}",
        "Statuses in the report { .section}",
        "Accessing the report { .section}",
        "Using the report for planning { .section}",
        "Related resources { .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_renewalActivityReport.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_renewalActivityReport_using.md:chunk-0",
      "title": "Running the Renewal/Reactivation Activity Report {#xd_df7df97c574be4a7--2013d503-199008abe28--7fc9 .task}",
      "content": "# Running the Renewal/Reactivation Activity Report \n\nGenerate and use the Renewal/Reactivation Activity Report in NMLS to identify eligible MLOs and track renewal or reactivation status.\n\nThe Renewal/Reactivation Activity Report is a real-time Excel report that lists employed MLOs, their renewal or reactivation eligibility, and their current statuses. Institutions can run the report as needed to plan submissions and monitor attestation progress.\n\n1.  Navigate to the NMLS Login page \\(Federal Context\\).\n\n2.  Log in to your NMLS account.\n\n    **Note:** If you are landed on the NMLS Connect screen, select **NMLS Federal Registry** in the Quick Links section.\n\n    \n\n3.  Select the **Federal** context, if the Context screen is displayed.\n\n    **Note:** Be sure you are in the Federal context by selecting **Federal** from the **You are currently** drop down list. Your screen should display the Federal Registry watermark.\n\n    \n\n4.  Click **Renew/Reactivate**.\n\n5.  Click the Excel icon next to **Renewal/Reactivation Activity Report**.\n\n    **Note:** The report opens in Microsoft Excel and includes all MLOs employed by the institution along with their current renewal/reactivation status.\n\n6.  Filter or sort the report to identify MLOs by renewal status, such as **Eligible for Renewal**, **Pending Attestation**, **Renewed**, or **Reactivated**.\n\n7.  Use the report to decide whether to renew/reactivate MLOs manually or by upload. The format of the report aligns with the upload file requirements.\n\nThe Renewal/Reactivation Activity Report is generated and can be used to track MLO eligibility, monitor attestation, and prepare upload files for batch renewal/reactivation.\n\n**Parent topic:**Using the Renewal/Reactivation Activity Report",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_renewalActivityReport_using.md",
      "relative_path": "maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_renewalActivityReport_using.md",
      "headings": [
        "Running the Renewal/Reactivation Activity Report {#xd_df7df97c574be4a7--2013d503-199008abe28--7fc9 .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_renewalActivityReport_using.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_renewalComposite.md:chunk-0",
      "title": "Viewing Institution Renewal Status in Composite View {#xd_df7df97c574be4a7--2013d503-199008abe28--7fcb .task}",
      "content": "# Viewing Institution Renewal Status in Composite View \n\nUse Composite View in NMLS to confirm your institution’s MU1R renewal or reactivation status and view historical information.\n\nInstitutions can use Composite View in NMLS to review their MU1R registration status, confirm renewal or reactivation, and view historical filings. This allows administrators to verify that renewal has been processed and to monitor prior years’ activity.\n\n1.  Navigate to the NMLS Login page \\(Federal Context\\).\n\n2.  Log in to your NMLS account.\n\n    **Note:** If you are landed on the NMLS Connect screen, select **NMLS Federal Registry** in the Quick Links section.\n\n    \n\n3.  Select the **Federal** context, if the Context screen is displayed.\n\n    **Note:** Be sure you are in the Federal context by selecting **Federal** from the **You are currently** drop down list. Your screen should display the Federal Registry watermark.\n\n    \n\n4.  Click the Composite View tab.\n\n5.  Click **View Institution** in the submenu.\n\n6.  Click **View Registration Status** in the left navigation panel.\n\n    **Note:** The View MU1R Status screen displays the institution’s current registration and renewal status.\n\n7.  To view registration and renewal history, click the regulator link.\n\n    **Note:** The View MU1R Status History screen opens, displaying historical filings and renewal records.\n\nThe institution’s MU1R renewal/reactivation status and history are displayed in Composite View, allowing confirmation that renewal has been completed.\n\n**Parent topic:**Understanding Renewal and Reactivation Statuses",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_renewalComposite.md",
      "relative_path": "maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_renewalComposite.md",
      "headings": [
        "Viewing Institution Renewal Status in Composite View {#xd_df7df97c574be4a7--2013d503-199008abe28--7fcb .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_renewalComposite.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_renewalKeyTerms.md:chunk-0",
      "title": "Key Terms for Renewal and Reactivation {#xd_df7df97c574be4a7--2013d503-199008abe28--7fd1 .reference}",
      "content": "# Key Terms for Renewal and Reactivation \n\nDefinitions of terms used in the federal institution and MLO renewal/reactivation process in NMLS.\n\n## Definitions { .section}\n\nRenewal Period\n:   The annual window \\(November 1–December 31\\) when institutions submit renewal requests and MLOs attest to remain Active for the next calendar year.\n\nReactivation\n:   The process used on or after January 1 to restore registrations that became *Inactive – Failed to Renew*. Steps mirror renewal.\n\nAttestation\n:   The action by an MLO to confirm the accuracy of their record in NMLS. Required to complete renewal or reactivation.\n\nRenew/Reactivate tab\n:   The NMLS workspace where institutions submit institution and MLO renewals/reactivations, access uploads, and view invoices.\n\nRenewal/Reactivation Selection List\n:   The screen for manually selecting eligible MLOs for renewal/reactivation and adding them to the cart.\n\nRenewal/Reactivation Upload\n:   The process for submitting a CSV file of MLOs for renewal/reactivation; required when more than 100 eligible MLOs remain \\(supports up to 10,000 records\\).\n\nRenewal/Reactivation Activity Report\n:   An Excel report listing employed MLOs, eligibility, and status to plan submissions and monitor progress.\n\nStatuses \\(examples\\)\n:   **Exempt**, **Not Requested**, **Pending Attestation**, **Renewed**, **Reactivated**.\n\nCart / Invoice\n:   Steps in checkout to confirm selections and pay renewal/reactivation processing fees \\(institution and per-MLO\\).\n\nComposite View\n:   Read-only views in NMLS to verify institution \\(MU1R\\) or individual MLO registration status and history.\n\nNightly Renewal Email Notifications\n:   Emails sent to the institution summarizing MLO attestation completions for the prior day \\(high- or low-volume format\\).\n\nRenewal Group Name\n:   An optional value included in upload files to help segment MLOs \\(for example, by branch or business unit\\).\n\n**Parent topic:**Renewing Your Registrations",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_renewalKeyTerms.md",
      "relative_path": "maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_renewalKeyTerms.md",
      "headings": [
        "Key Terms for Renewal and Reactivation {#xd_df7df97c574be4a7--2013d503-199008abe28--7fd1 .reference}",
        "Definitions { .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_renewalKeyTerms.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_renewalNotifications_review.md:chunk-0",
      "title": "Reviewing Renewal and Reactivation Notifications {#xd_df7df97c574be4a7--2013d503-199008abe28--7fc8 .task}",
      "content": "# Reviewing Renewal and Reactivation Notifications \n\nInstitutions can monitor MLO renewal and attestation activity by reviewing nightly email notifications sent by NMLS.\n\nInstitutions receive nightly email notifications summarizing MLO renewal and attestation activity. These notifications help administrators track progress without having to run the Renewal/Reactivation Activity Report daily.\n\n1.  Open the renewal notification email sent by NMLS to your institution’s designated contact.\n\n2.  Review the notification to determine the volume of MLOs who attested on the prior day.\n\n    **Note:** If more than 500 MLOs completed attestation, the notification includes a high-volume format. If fewer than 500 MLOs completed attestation, the notification includes a low-volume format.\n\n3.  Use the information in the notification to confirm MLO progress and follow up with individuals who have not attested.\n\nThe institution reviews nightly notifications and confirms that MLOs are completing renewal attestation. Outstanding MLOs can be contacted directly to ensure completion by the December 31 deadline.\n\n**Parent topic:**Understanding Renewal and Reactivation Statuses",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_renewalNotifications_review.md",
      "relative_path": "maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_renewalNotifications_review.md",
      "headings": [
        "Reviewing Renewal and Reactivation Notifications {#xd_df7df97c574be4a7--2013d503-199008abe28--7fc8 .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_renewalNotifications_review.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_renewalStatus.md:chunk-0",
      "title": "Understanding Renewal and Reactivation Statuses {#xd_df7df97c574be4a7--2013d503-199008abe28--7fd2 .concept}",
      "content": "# Understanding Renewal and Reactivation Statuses \n\nRenewal and reactivation statuses in NMLS indicate whether an MLO has completed, is pending, or has failed to renew/reactivate. Institutions use these statuses to track progress and manage compliance.\n\nNMLS assigns renewal or reactivation statuses to Mortgage Loan Originator \\(MLO\\) records to indicate their progress in the annual renewal process. Institutions should use these statuses to monitor compliance and follow up with MLOs as needed.\n\n## Status types { .section}\n\nThe Renewal/Reactivation Activity Report and Composite View may display the following statuses:\n\n-   **Exempt:** The MLO registration is exempt from renewal for the period.\n-   **Not Requested:** No renewal/reactivation request has been submitted for the MLO.\n-   **Pending Attestation:** The institution has submitted the renewal/reactivation request, but the MLO has not yet attested.\n-   **Renewed:** The MLO attested and the registration has been renewed for the period.\n-   **Reactivated:** The MLO attested and the registration has been reactivated after failing to renew.\n\n## When statuses appear { .section}\n\nStatus values change depending on the time of year:\n\n-   **Before renewal period \\(July 1 – October 31\\):** MLOs show upcoming eligibility, exemptions, or “Not Requested.”\n-   **During renewal period \\(November 1 – December 31\\):** Statuses include Pending Attestation, Renewed, or Exempt.\n-   **After renewal period \\(January 1 – June 30\\):** Statuses include Reactivated or Inactive – Failed to Renew if no action was taken.\n\n## Why statuses matter { .section}\n\nInstitutions should review these statuses regularly to ensure timely follow-up. MLOs in **Pending Attestation** must complete their attestation by December 31 to avoid a status of *Inactive – Failed to Renew*. Institutions can use the report and nightly notifications to identify MLOs requiring action.\n\n## Related resources { .section}\n\n-   Viewing Institution Renewal Status in Composite V",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_renewalStatus.md",
      "relative_path": "maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_renewalStatus.md",
      "headings": [
        "Understanding Renewal and Reactivation Statuses {#xd_df7df97c574be4a7--2013d503-199008abe28--7fd2 .concept}",
        "Status types { .section}",
        "When statuses appear { .section}",
        "Why statuses matter { .section}",
        "Related resources { .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_renewalStatus.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_renewalStatus.md:chunk-1",
      "title": "Understanding Renewal and Reactivation Statuses {#xd_df7df97c574be4a7--2013d503-199008abe28--7fd2 .concept}",
      "content": " Failed to Renew*. Institutions can use the report and nightly notifications to identify MLOs requiring action.\n\n## Related resources { .section}\n\n-   Viewing Institution Renewal Status in Composite View\n-   Viewing MLO Renewal Status in Composite View\n-   Reviewing Renewal and Reactivation Notifications\n\n-   **Viewing Institution Renewal Status in Composite View**  \nUse Composite View in NMLS to confirm your institution’s MU1R renewal or reactivation status and view historical information.\n-   **Viewing MLO Renewal Status in Composite View**  \nUse Composite View in NMLS to review individual MLO registration and renewal status, including current and historical records.\n-   **Reviewing Renewal and Reactivation Notifications**  \nInstitutions can monitor MLO renewal and attestation activity by reviewing nightly email notifications sent by NMLS.\n\n**Parent topic:**Renewing Your Registrations",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_renewalStatus.md",
      "relative_path": "maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_renewalStatus.md",
      "headings": [
        "Understanding Renewal and Reactivation Statuses {#xd_df7df97c574be4a7--2013d503-199008abe28--7fd2 .concept}",
        "Status types { .section}",
        "When statuses appear { .section}",
        "Why statuses matter { .section}",
        "Related resources { .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_renewalStatus.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_renewingMLOregistrations.md:chunk-0",
      "title": "Renewing and Reactivating MLO Registrations {#xd_df7df97c574be4a7--2013d503-199008abe28--7fd4 .concept}",
      "content": "# Renewing and Reactivating MLO Registrations \n\nInstitutions must request renewal or reactivation of employed MLOs in NMLS after completing the institution renewal. MLOs must then attest to their records to complete the process.\n\nAfter an institution renews its federal registration, it is responsible for submitting renewal or reactivation requests for its employed Mortgage Loan Originators \\(MLOs\\). Each MLO must attest to their record before the registration is complete. If an MLO fails to attest by December 31, their status changes to *Inactive – Failed to Renew* and a reactivation request must be submitted.\n\n## Renewal period and reactivation { .section}\n\nThe annual renewal period runs from November 1 through December 31. Institutions can reactivate MLO registrations at any time after January 1 if an MLO failed to renew. The reactivation process is identical to the renewal process, including institution submission, attestation, and payment.\n\n## Methods for submitting MLO renewals { .section}\n\nInstitutions can request renewal/reactivation for MLOs in two ways:\n\n-   **Manual selection:** Recommended for smaller institutions with 100 or fewer eligible MLOs. Uses the Renewal/Reactivation Selection List to choose individual MLOs.\n-   **Upload:** Required when more than 100 eligible MLOs remain. Institutions create an MLO Renewal Batch Upload CSV file with NMLS IDs \\(and optional Renewal Group Names\\) and upload it through the Renew/Reactivate tab. Upload supports up to 10,000 MLOs at once.\n\n## Steps in the MLO renewal/reactivation process { .section}\n\n1.  Institution requests renewal/reactivation for MLOs \\(manual or upload\\).\n2.  Invoice is generated and institution pays the processing fees \\($30 per MLO\\).\n3.  MLO receives an email notification and must log in to NMLS to attest to their record.\n4.  Once attested, the MLO’s registration status is updated to *Active* for the next calendar year.\n\n## Monitoring and notifications { .section}\n\nInstitutions can track MLO r",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_renewingMLOregistrations.md",
      "relative_path": "maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_renewingMLOregistrations.md",
      "headings": [
        "Renewing and Reactivating MLO Registrations {#xd_df7df97c574be4a7--2013d503-199008abe28--7fd4 .concept}",
        "Renewal period and reactivation { .section}",
        "Methods for submitting MLO renewals { .section}",
        "Steps in the MLO renewal/reactivation process { .section}",
        "Monitoring and notifications { .section}",
        "Related resources { .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_renewingMLOregistrations.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_renewingMLOregistrations.md:chunk-1",
      "title": "Renewing and Reactivating MLO Registrations {#xd_df7df97c574be4a7--2013d503-199008abe28--7fd4 .concept}",
      "content": "o attest to their record.\n4.  Once attested, the MLO’s registration status is updated to *Active* for the next calendar year.\n\n## Monitoring and notifications { .section}\n\nInstitutions can track MLO renewal progress using the Renewal/Reactivation Activity Report and Composite View. They may also receive nightly email notifications summarizing MLO attestation completions.\n\n## Related resources { .section}\n\n-   Manually Renewing or Reactivating MLOs\n-   Renewing or Reactivating MLOs by Upload\n-   Viewing Processed Renewal or Reactivation Uploads\n-   Paying Renewal or Reactivation Invoices\n-   \n-   **Manually Renewing or Reactivating MLOs**  \nInstitutions with 100 or fewer eligible MLOs can manually select and submit renewals or reactivations using the Renewal/Reactivation Selection List.\n-   **Renewing or Reactivating MLOs by Upload**  \nInstitutions can renew or reactivate large groups of MLOs at once by creating and uploading a renewal/reactivation file in CSV format.\n-   **Viewing Processed Renewal or Reactivation Uploads**  \nAfter uploading a renewal/reactivation file, institutions can review processing results, correct rejected records, and proceed with payment.\n-   **Paying Renewal or Reactivation Invoices**  \nAfter submitting institution or MLO renewal/reactivation requests, institutions must pay the generated invoice to complete the process.\n\n**Parent topic:**Renewing Your Registrations",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_renewingMLOregistrations.md",
      "relative_path": "maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_renewingMLOregistrations.md",
      "headings": [
        "Renewing and Reactivating MLO Registrations {#xd_df7df97c574be4a7--2013d503-199008abe28--7fd4 .concept}",
        "Renewal period and reactivation { .section}",
        "Methods for submitting MLO renewals { .section}",
        "Steps in the MLO renewal/reactivation process { .section}",
        "Monitoring and notifications { .section}",
        "Related resources { .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_renewingMLOregistrations.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_renewingRegistrations.md:chunk-0",
      "title": "Renewing Your Registrations {#xd_df7df97c574be4a7--2013d503-199008abe28--7fd5 .concept}",
      "content": "# Renewing Your Registrations \n\nFederal institutions renew their registration annually in NMLS and then request renewal/reactivation for employed MLOs. This topic explains what renewal/reactivation is, when it occurs, fees, and how institutions and MLOs complete the process.\n\nInstitutions and Mortgage Loan Originators \\(MLOs\\) that are federally registered must renew each year in NMLS to keep their registrations *Active*. The renewal period runs from November 1 through December 31. If renewal is not completed by December 31, the registration becomes *Inactive– Failed to Renew* on January1 and may be restored at any time through **reactivation**, which follows the same steps as renewal.\n\nSee the Renewals for Federal Institutions self-paced e-learning course for a step-by-step walkthrough of the entire renewal process in NMLS.\n\n## How renewal/reactivation works { .section}\n\nThe renewal/reactivation process involves both the institution and its employed MLOs:\n\n-   **Institution first.** The institution renews/reactivates its registration and pays the institution renewal fee.\n-   **Select and submit MLOs.** The institution requests renewal/reactivation for eligible MLOs either manually or by upload \\(upload is required when more than 100 eligible MLOs remain; all institutions may use upload\\).\n-   **MLO attestation.** Each MLO must log in and attest to their record to complete renewal/reactivation.\n\n**Note:** During renewal, the institution can monitor progress using the Renewal/Reactivation Activity Report and optional nightly email notifications.\n\n## Fees { .section}\n\nThe annual processing fee is assessed to both the institution and each MLO submitted for renewal/reactivation.\n\n-   Institution renewal/reactivation processing fee: $120\n-   MLO renewal/reactivation processing fee: $35 \\(per individual submitted\\)\n\n## Submission methods for MLOs { .section}\n\n-   **Manual selection** via the Renewal/Reactivation Selection List \\(recommended for smaller institutions\\).\n-  ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_renewingRegistrations.md",
      "relative_path": "maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_renewingRegistrations.md",
      "headings": [
        "Renewing Your Registrations {#xd_df7df97c574be4a7--2013d503-199008abe28--7fd5 .concept}",
        "How renewal/reactivation works { .section}",
        "Fees { .section}",
        "Submission methods for MLOs { .section}",
        "Related resources { .section}",
        "What’s next { .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_renewingRegistrations.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_renewingRegistrations.md:chunk-1",
      "title": "Renewing Your Registrations {#xd_df7df97c574be4a7--2013d503-199008abe28--7fd5 .concept}",
      "content": "ng fee: $35 \\(per individual submitted\\)\n\n## Submission methods for MLOs { .section}\n\n-   **Manual selection** via the Renewal/Reactivation Selection List \\(recommended for smaller institutions\\).\n-   **Upload** using a CSV file with required fields \\(NMLS ID, optional Renewal Group Name\\). Upload supports up to 10,000 MLOs at once and is required when more than 100 eligible MLOs remain.\n\n## Related resources { .section}\n\n-   Submitting an Institution Renewal or Reactivation Request\n-   Renewing and Reactivating MLO Registrations\n-   \n\n## What’s next { .section}\n\nUse the child task topics in this section to complete renewal/reactivation activities: submitting the institution renewal, renewing/reactivating MLOs \\(manual or upload\\), viewing processed uploads, paying invoices, tracking status with reports and Composite View, and reviewing nightly notifications.\n\n-   **Submitting an Institution Renewal or Reactivation Request**  \nRenew or reactivate your institution’s federal registration in NMLS before submitting renewal/reactivation requests for employed MLOs.\n-   **Renewing and Reactivating MLO Registrations**  \nInstitutions must request renewal or reactivation of employed MLOs in NMLS after completing the institution renewal. MLOs must then attest to their records to complete the process.\n-   **Using the Renewal/Reactivation Activity Report**  \nThe Renewal/Reactivation Activity Report provides real-time information on MLO eligibility and status, helping institutions track and manage renewals and reactivations.\n-   **Understanding Renewal and Reactivation Statuses**  \nRenewal and reactivation statuses in NMLS indicate whether an MLO has completed, is pending, or has failed to renew/reactivate. Institutions use these statuses to track progress and manage compliance.\n-   **Mergers and Acquisitions During Renewal**  \nExplains how mergers and acquisitions affect Mortgage Loan Originator \\(MLO\\) registration renewal in NMLS and outlines common scenarios based on regulato",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_renewingRegistrations.md",
      "relative_path": "maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_renewingRegistrations.md",
      "headings": [
        "Renewing Your Registrations {#xd_df7df97c574be4a7--2013d503-199008abe28--7fd5 .concept}",
        "How renewal/reactivation works { .section}",
        "Fees { .section}",
        "Submission methods for MLOs { .section}",
        "Related resources { .section}",
        "What’s next { .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_renewingRegistrations.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_renewingRegistrations.md:chunk-2",
      "title": "Renewing Your Registrations {#xd_df7df97c574be4a7--2013d503-199008abe28--7fd5 .concept}",
      "content": "**Mergers and Acquisitions During Renewal**  \nExplains how mergers and acquisitions affect Mortgage Loan Originator \\(MLO\\) registration renewal in NMLS and outlines common scenarios based on regulator type and transaction timing.\n-   **Key Terms for Renewal and Reactivation**  \nDefinitions of terms used in the federal institution and MLO renewal/reactivation process in NMLS.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_renewingRegistrations.md",
      "relative_path": "maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_renewingRegistrations.md",
      "headings": [
        "Renewing Your Registrations {#xd_df7df97c574be4a7--2013d503-199008abe28--7fd5 .concept}",
        "How renewal/reactivation works { .section}",
        "Fees { .section}",
        "Submission methods for MLOs { .section}",
        "Related resources { .section}",
        "What’s next { .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_renewingRegistrations.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_submitInstitutionRenewal.md:chunk-0",
      "title": "Submitting an Institution Renewal or Reactivation Request {#xd_df7df97c574be4a7--2013d503-199008abe28--7fd0 .task}",
      "content": "# Submitting an Institution Renewal or Reactivation Request \n\nRenew or reactivate your institution’s federal registration in NMLS before submitting renewal/reactivation requests for employed MLOs.\n\nInstitutions must complete renewal/reactivation of the institution registration prior to submitting renewal/reactivation for employed MLOs. Use this procedure to submit the institution request and pay the invoice.\n\n1.  Navigate to the NMLS Login page \\(Federal Context\\).\n\n2.  Log in to your NMLS account.\n\n    **Note:** If you are landed on the NMLS Connect screen, select **NMLS Federal Registry** in the Quick Links section.\n\n    \n\n3.  Select the **Federal** context, if the Context screen is displayed.\n\n    **Note:** Be sure you are in the Federal context by selecting **Federal** from the **You are currently** drop down list. Your screen should display the Federal Registry watermark.\n\n    \n\n4.  Click **Renew/Reactivate**.\n\n    **Note:** Screen titles referenced in this task include Renewal/Reactivation Selection List, Renewals Cart, and Invoice.\n\n5.  Click **Submit**.\n\n6.  Click **Manual**.\n\n7.  Select the checkbox next to your institution name.\n\n8.  Click **Add to Cart**.\n\n9.  Open the cart by clicking **Renewals Cart** or **Proceed to Cart**.\n\n10. Review the selections and click **Proceed to Invoice**.\n\n11. Read the attestation statement, select the verification checkbox, and click **Pay Invoice**.\n\n12. Review the payment terms and click **I Agree**.\n\n13. Select a payment type \\(**Credit Card** or **Bank Account**\\), enter the required fields, and submit the payment.\n\n    **Note:** Once payment is submitted, the submission completes and you may proceed to request renewal/reactivation for eligible MLOs.\n\nThe submission completes and the institution registration is renewed/reactivated. You can now request renewal/reactivation for eligible MLOs using the manual selection list or the upload process.\n\nFor fee details and payment methods, see  and .\n\n**Parent topic:**Renewing ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_submitInstitutionRenewal.md",
      "relative_path": "maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_submitInstitutionRenewal.md",
      "headings": [
        "Submitting an Institution Renewal or Reactivation Request {#xd_df7df97c574be4a7--2013d503-199008abe28--7fd0 .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_submitInstitutionRenewal.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_submitInstitutionRenewal.md:chunk-1",
      "title": "Submitting an Institution Renewal or Reactivation Request {#xd_df7df97c574be4a7--2013d503-199008abe28--7fd0 .task}",
      "content": "ctivated. You can now request renewal/reactivation for eligible MLOs using the manual selection list or the upload process.\n\nFor fee details and payment methods, see  and .\n\n**Parent topic:**Renewing Your Registrations",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_submitInstitutionRenewal.md",
      "relative_path": "maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_submitInstitutionRenewal.md",
      "headings": [
        "Submitting an Institution Renewal or Reactivation Request {#xd_df7df97c574be4a7--2013d503-199008abe28--7fd0 .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_submitInstitutionRenewal.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_usingReports.md:chunk-0",
      "title": "Using NMLS Reports {#xd_df7df97c574be4a7--2013d503-199008abe28--7fc1 .concept}",
      "content": "# Using NMLS Reports \n\nInstitutions can generate reports in NMLS to view criminal background check \\(CBC\\) status, MLO registration and employment information, and detailed MU4R data.\n\nInstitutions with the appropriate Reports Role can access NMLS reports on the **Reports** tab to monitor compliance and track MLO employment and registration activity. Reports are refreshed daily, with adjustments for weekends and holidays.\n\nExamples of reports available to institutions include:\n\n-   **Criminal Background Check** – Displays the current CBC request status for MLOs pending confirmation of employment with an institution.\n-   **Individual Roster** – Lists MLOs associated with the institution, the MLO’s current registration status, the most recent CBC request status, and the latest employment information between the MLO and the institution.\n-   **MU4R Detail Report** – Provides expanded data \\(excluding SSN and DOB\\) from the most recently submitted MU4R, along with the MLO’s registration status, CBC request status, and employment details with the institution.\n\n**NMLS Help**  \n\nAccount Administration\n\nChoosing Your Account Adminitstrators\n\nNMLS Two-Factor Authentication\n\nRequest an Individual Account\n\nNMLS Account Recovery\n\nManaging NMLS User Profiles",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_usingReports.md",
      "relative_path": "maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_usingReports.md",
      "headings": [
        "Using NMLS Reports {#xd_df7df97c574be4a7--2013d503-199008abe28--7fc1 .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_usingReports.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_viewRenewaluploads.md:chunk-0",
      "title": "Viewing Processed Renewal or Reactivation Uploads {#xd_df7df97c574be4a7--2013d503-199008abe28--7fcd .task}",
      "content": "# Viewing Processed Renewal or Reactivation Uploads \n\nAfter uploading a renewal/reactivation file, institutions can review processing results, correct rejected records, and proceed with payment.\n\nAfter a renewal/reactivation upload file has been processed, institutions can view the results on the Renewal/Reactivation Uploads screen. This includes details about uploaded, accepted, and rejected records, along with invoice information.\n\n1.  Navigate to the NMLS Login page \\(Federal Context\\).\n\n2.  Log in to your NMLS account.\n\n    **Note:** If you are landed on the NMLS Connect screen, select **NMLS Federal Registry** in the Quick Links section.\n\n    \n\n3.  Select the **Federal** context, if the Context screen is displayed.\n\n    **Note:** Be sure you are in the Federal context by selecting **Federal** from the **You are currently** drop down list. Your screen should display the Federal Registry watermark.\n\n    \n\n4.  Click **Renew/Reactivate**.\n\n5.  Click **Submit**.\n\n6.  Click **Upload**.\n\n    **Note:** The Renewal/Reactivation Uploads screen opens and lists processed files.\n\n7.  Review the results for the uploaded file, including:\n\n    1.  **File ID**, **File Name**, and **Description**.\n\n    2.  **Uploaded On** and **Uploaded By** details.\n\n    3.  Total, Uploaded, and Rejected records.\n\n    4.  Invoice status and link.\n\n8.  Click the Excel icon to download copies of uploaded or rejected records.\n\n    **Note:** The Uploaded Records file lists all successfully processed MLOs. The Rejected Records file lists errors that prevented processing, such as invalid IDs, missing fields, or ineligible statuses.\n\n9.  If the file includes rejected records, correct the errors, create a new CSV file, and re-upload.\n\n10. When ready, click the **Unpaid** link to view the invoice and proceed with payment.\n\nThe upload results are reviewed and, once paid, the renewal/reactivation requests are finalized. MLOs included in the invoice receive attestation emails.\n\n-   **Renewing your NMLS MLO",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_viewRenewaluploads.md",
      "relative_path": "maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_viewRenewaluploads.md",
      "headings": [
        "Viewing Processed Renewal or Reactivation Uploads {#xd_df7df97c574be4a7--2013d503-199008abe28--7fcd .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_viewRenewaluploads.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_viewRenewaluploads.md:chunk-1",
      "title": "Viewing Processed Renewal or Reactivation Uploads {#xd_df7df97c574be4a7--2013d503-199008abe28--7fcd .task}",
      "content": "d with payment.\n\nThe upload results are reviewed and, once paid, the renewal/reactivation requests are finalized. MLOs included in the invoice receive attestation emails.\n\n-   **Renewing your NMLS MLO Registration**  \nAfter your employer submits your MLO registration for renewal, log in to NMLS and attest to your record to complete the renewal process before December 31.\n\n**Parent topic:**Renewing and Reactivating MLO Registrations",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_viewRenewaluploads.md",
      "relative_path": "maps\\NMLS\\licensing\\institution_Fed\\maps\\topics\\regFedInstitution_viewRenewaluploads.md",
      "headings": [
        "Viewing Processed Renewal or Reactivation Uploads {#xd_df7df97c574be4a7--2013d503-199008abe28--7fcd .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/institution_Fed/maps/topics/regFedInstitution_viewRenewaluploads.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/mcr/topics/mcrUserGuide_start-1.md:chunk-0",
      "title": "Mortgage Call Report User Guide {#mcrUserGuide_start .concept}",
      "content": "# Mortgage Call Report User Guide \n\nThe mortgage call report \\(MCR\\) is required to be completed by all state licensed companies and companies employing state licensed mortgage loan originators \\(MLOs\\).\n\n## About the Mortgage Call Report \n\nThe MCR collects standardized mortgage company data at the state level for all state-licensed mortgage companies. Collecting this data allows regulators to gain insights into industry trends, helping them identify potential issues that could harm consumers.\n\n## Helpful Resources \n\nState Requirements\n:   Download the state-specific details on MCR requirements: License Requirements and Fees Chart.\n\nField Definitions\n:   Download the Definitions and Formatting Requirements for MCR V6 \\(PDF\\).\n\nFrequently Asked Questions\n:   Mortgage Call Report Frequently Asked Questions.\n\nSample MCR\n:   Download a Sample MCR v6 \\(PDF\\) or Sample MCR v6 \\(Excel\\) to review all the fields required in the RMLA and FC components of the MCR.\n\nPrevious Form Versions\n:   If you are amending a filing from a previous form version: Documentation and Samples for older MCR versions.\n\n## MCR Components \n\nThe MCR contains two components:\n\nFinancial Condition \\(FC\\)\n:   This component collects financial information at the company level; it does not have to be completed for each state.\n\nResidential Mortgage Loan Activity \\(RMLA\\)\n:   This component collects loan application, closed loan, individual mortgage loan originator \\(MLO\\), Line of Credit, servicing, and repurchase information by state.\n\n## MCR Submission Dates \n\nDownload a list of state agencies that have provided information on offering a grace period for the Q1 2024 filing submission or additional information about the State-Specific Supplemental Form the License Requirements and Fees Chart \\(columns AO and AP\\).\n\nResidential Mortgage Loan Activity \\(RMLA\\) and State-Specific Supplemental Form \\(SSSF\\):\n:   ​Due quarterly, within 45 days of the end of the calendar quarter:\n\n    -   Q1 data \\(January 1 -",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\mcr\\topics\\mcrUserGuide_start-1.md",
      "relative_path": "maps\\NMLS\\licensing\\mcr\\topics\\mcrUserGuide_start-1.md",
      "headings": [
        "Mortgage Call Report User Guide {#mcrUserGuide_start .concept}",
        "About the Mortgage Call Report {#section_o5m_c2m_kfc .section}",
        "Helpful Resources {#section_kc2_3xm_kfc .section}",
        "MCR Components {#section_fr2_mtm_kfc .section}",
        "MCR Submission Dates {#section_elk_ptm_kfc .section}",
        "Support {#section_esk_j4r_kfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/mcr/topics/mcrUserGuide_start-1.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/mcr/topics/mcrUserGuide_start-1.md:chunk-1",
      "title": "Mortgage Call Report User Guide {#mcrUserGuide_start .concept}",
      "content": " AP\\).\n\nResidential Mortgage Loan Activity \\(RMLA\\) and State-Specific Supplemental Form \\(SSSF\\):\n:   ​Due quarterly, within 45 days of the end of the calendar quarter:\n\n    -   Q1 data \\(January 1 - March 31\\) is due May 15\n    -   Q2 data \\(April 1 - June 30\\) is due August 14\n    -   Q3 data \\(July 1 - September 30\\) is due November 14\n    -   Q4 data \\(October 1 - December 31\\) is due February 14\n\nFC\n:   For mortgage lenders and servicers, the FC is due quarterly at the same time as the RMLA.\n\n    For mortgage brokers, the FC is due annually, within 90 days of the calendar year end.\n\n## Support \n\nThis interactive self- led MCR FV6 Training course includes a demo of MCR FV6 functionality as well as both recordings for the MCR FV6 Webinar sessions held on 3/20 and 3/27. The Webinar recordings separated by date are stored in the last section of the course.​\n\nFor questions on Mortgage Call Report policies or interpretations of field definitions, email NMLSMCR@csbs.org.\n\n-   **Creating an MCR Filing**  \n\n-   **Completing the FC Component**  \n\n-   **Completing the RMLA Component**  \nUnder the Residential Mortgage Loan Activity component, the State-Specific Information and the Company-Level Information must be completed.\n-   **Amending an MCR**  \n\n-   **Submitting the MCR with XML**  \n NMLS provides company users with the ability to submit an MCR filing either through manual data entry within NMLS, or through an upload of a properly formatted XML file to NMLS.\n-   **Printing Components of an MCR Filing**  \n\n**Parent topic:**Mortgage Call Report \\(MCR\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\mcr\\topics\\mcrUserGuide_start-1.md",
      "relative_path": "maps\\NMLS\\licensing\\mcr\\topics\\mcrUserGuide_start-1.md",
      "headings": [
        "Mortgage Call Report User Guide {#mcrUserGuide_start .concept}",
        "About the Mortgage Call Report {#section_o5m_c2m_kfc .section}",
        "Helpful Resources {#section_kc2_3xm_kfc .section}",
        "MCR Components {#section_fr2_mtm_kfc .section}",
        "MCR Submission Dates {#section_elk_ptm_kfc .section}",
        "Support {#section_esk_j4r_kfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/mcr/topics/mcrUserGuide_start-1.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/mcr/topics/mcrUserGuide_start.md:chunk-0",
      "title": "Mortgage Call Report User Guide {#mcrUserGuide_start .concept}",
      "content": "# Mortgage Call Report User Guide \n\nThe mortgage call report \\(MCR\\) is required to be completed by all state licensed companies and companies employing state licensed mortgage loan originators \\(MLOs\\).\n\n## About the Mortgage Call Report \n\nThe MCR collects standardized mortgage company data at the state level for all state-licensed mortgage companies. Collecting this data allows regulators to gain insights into industry trends, helping them identify potential issues that could harm consumers.\n\n## Helpful Resources \n\nState Requirements\n:   Download the state-specific details on MCR requirements: License Requirements and Fees Chart.\n\nField Definitions\n:   Download the Definitions and Formatting Requirements for MCR V6 \\(PDF\\).\n\nFrequently Asked Questions\n:   Mortgage Call Report Frequently Asked Questions.\n\nSample MCR\n:   Download a Sample MCR v6 \\(PDF\\) or Sample MCR v6 \\(Excel\\) to review all the fields required in the RMLA and FC components of the MCR.\n\nPrevious Form Versions\n:   If you are amending a filing from a previous form version: Documentation and Samples for older MCR versions.\n\n## MCR Components \n\nThe MCR contains two components:\n\nFinancial Condition \\(FC\\)\n:   This component collects financial information at the company level; it does not have to be completed for each state.\n\nResidential Mortgage Loan Activity \\(RMLA\\)\n:   This component collects loan application, closed loan, individual mortgage loan originator \\(MLO\\), Line of Credit, servicing, and repurchase information by state.\n\n## MCR Submission Dates \n\nDownload a list of state agencies that have provided information on offering a grace period for the Q1 2024 filing submission or additional information about the State-Specific Supplemental Form the License Requirements and Fees Chart \\(columns AO and AP\\).\n\nResidential Mortgage Loan Activity \\(RMLA\\) and State-Specific Supplemental Form \\(SSSF\\):\n:   ​Due quarterly, within 45 days of the end of the calendar quarter:\n\n    -   Q1 data \\(January 1 -",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\mcr\\topics\\mcrUserGuide_start.md",
      "relative_path": "maps\\NMLS\\licensing\\mcr\\topics\\mcrUserGuide_start.md",
      "headings": [
        "Mortgage Call Report User Guide {#mcrUserGuide_start .concept}",
        "About the Mortgage Call Report {#section_o5m_c2m_kfc .section}",
        "Helpful Resources {#section_kc2_3xm_kfc .section}",
        "MCR Components {#section_fr2_mtm_kfc .section}",
        "MCR Submission Dates {#section_elk_ptm_kfc .section}",
        "Support {#section_esk_j4r_kfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/mcr/topics/mcrUserGuide_start.html",
      "snippet": null
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    {
      "id": "maps/NMLS/licensing/mcr/topics/mcrUserGuide_start.md:chunk-1",
      "title": "Mortgage Call Report User Guide {#mcrUserGuide_start .concept}",
      "content": " AP\\).\n\nResidential Mortgage Loan Activity \\(RMLA\\) and State-Specific Supplemental Form \\(SSSF\\):\n:   ​Due quarterly, within 45 days of the end of the calendar quarter:\n\n    -   Q1 data \\(January 1 - March 31\\) is due May 15\n    -   Q2 data \\(April 1 - June 30\\) is due August 14\n    -   Q3 data \\(July 1 - September 30\\) is due November 14\n    -   Q4 data \\(October 1 - December 31\\) is due February 14\n\nFC\n:   For mortgage lenders and servicers, the FC is due quarterly at the same time as the RMLA.\n\n    For mortgage brokers, the FC is due annually, within 90 days of the calendar year end.\n\n## Support \n\nThis interactive self- led MCR FV6 Training course includes a demo of MCR FV6 functionality as well as both recordings for the MCR FV6 Webinar sessions held on 3/20 and 3/27. The Webinar recordings separated by date are stored in the last section of the course.​\n\nFor questions on Mortgage Call Report policies or interpretations of field definitions, email NMLSMCR@csbs.org.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\mcr\\topics\\mcrUserGuide_start.md",
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      "headings": [
        "Mortgage Call Report User Guide {#mcrUserGuide_start .concept}",
        "About the Mortgage Call Report {#section_o5m_c2m_kfc .section}",
        "Helpful Resources {#section_kc2_3xm_kfc .section}",
        "MCR Components {#section_fr2_mtm_kfc .section}",
        "MCR Submission Dates {#section_elk_ptm_kfc .section}",
        "Support {#section_esk_j4r_kfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/mcr/topics/mcrUserGuide_start.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/mcr/topics/nmls_mcrAmending.md:chunk-0",
      "title": "Amending an MCR {#nmls_mcrAmending .task}",
      "content": "# Amending an MCR \n\n1.  Navigate to the NMLS Login page.\n\n    -   State context.\n    -   Federal context.\n2.  Log in to your NMLS account.\n\n3.  Select the **Filing** tab.\n\n4.  Select the **Call Reports** button.\n\n5.  Select the **Mortgage Call Report** button.\n\n6.  Click the **View** icon next to the desired filing.\n\n7.  Select the **Edit** icon next to the desired component of the filing.\n\n8.  Select the **Continue** button to proceed with the amendment.\n\n9.  Make and save any necessary edits to the appropriate sections of each component.\n\n10. Select **Explanatory Notes** and enter an explanation for the submission of the amendment, ensuring all relevant notes are on each component.\n\n11. Select **Completeness Checks and Warnings** on the left navigation panel.\n\n12. Resolve any completeness check errors, if applicable.\n\n13. Select the **Ready to Submit** button.\n\n14. Select the **Completeness Check and Submit** button at the bottom of the MCR Components page to begin the amendment submission process.\n\n15. Select the attestation checkbox and click the **Attest and Submit** button to submit the amendment.\n\n**Parent topic:**Mortgage Call Report User Guide",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\mcr\\topics\\nmls_mcrAmending.md",
      "relative_path": "maps\\NMLS\\licensing\\mcr\\topics\\nmls_mcrAmending.md",
      "headings": [
        "Amending an MCR {#nmls_mcrAmending .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/mcr/topics/nmls_mcrAmending.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/mcr/topics/nmls_mcrCreateFiling.md:chunk-0",
      "title": "Creating an MCR Filing {#nmls_mcrCreateFiling .task}",
      "content": "# Creating an MCR Filing \n\n1.  Navigate to the NMLS Login page.\n\n    -   State context.\n    -   Federal context.\n2.  Log in to your NMLS account.\n\n3.  Select the **Filing** tab.\n\n4.  Select the **Call Reports** button.\n\n5.  Select the **Mortgage Call Report** button.\n\n6.  Select the **Create New MCR** button.\n\n7.  Enter the appropriate year and period.\n\n8.  Select the **Create MCR** button.\n\nNMLS will create an FC component and one or more RMLA components based on where the company is actively licensed and required to file.\n\nCompleting the FC Component\n\n**Parent topic:**Mortgage Call Report User Guide",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\mcr\\topics\\nmls_mcrCreateFiling.md",
      "relative_path": "maps\\NMLS\\licensing\\mcr\\topics\\nmls_mcrCreateFiling.md",
      "headings": [
        "Creating an MCR Filing {#nmls_mcrCreateFiling .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/mcr/topics/nmls_mcrCreateFiling.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/mcr/topics/nmls_mcrFAQ_RMLA.md:chunk-0",
      "title": "RMLA Questions {#xd_6398752935c24d41-5c7a429b-19a2087ca5a--7ff4 .concept}",
      "content": "# RMLA Questions \n\nQuestions about the RMLA fields on MCR v6.\n\nQ. What amount do I report under the application amount – the initial amount on the application or the amount the application closes if it changes?\n:   The initial amount on the application should be used when completing the application data on the MCR. If the application amount changes prior to closing, use field AC065 to capture those changes.\n\n​Q. What do I report as application amount if the loan was withdrawn or denied prior to the loan amount being known?\n:   Even if no loan amount was applied for prior to the application being withdrawn or denied, if credit is sought, an application amount needs to be included. For MCR filing purposes, $1,000 should be reported for the application amount when the application amount is unknown.\n\nQ. What do we report under Net Changes in Application Amount \\(decreases should be reflected as a negative\\)? Application amounts may have changed from applications received previous quarters and Loans Closed and Funded reported under AC070 for the quarter are not always the same loans reported under Applications Received \\(AC020\\) in the quarter.\n:   For one loan:\n\n\n\nInitial application amount \\(reported on AC020\\) when application is received:\n\n\n\n$100,000\n\n\n\nChanges to the loan during the quarter \\(Q1\\) \\(report in AC065\\)\n\n\n\n- $20,000\n\n\n    Each application needs to be tracked and add all the changes for ALL loans into a net figure reported under AC065. If the loan application used in the example above, closes within the quarter, report that change to the loan amount in AC065.\n\n    If that loan application moves into the next quarter, it moves over at the lower net amount of $80,000. If another change to the application amount occurs during the following quarter, that change is reported the same way as in the above example for AC065.\n\n    For example:\n\n\n\nInitial Application amount \\(reported on AC020\\) when application is received \\(Q1\\):\n\n\n\n$100,000\n\n\n\nChanges to the lo",
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      "headings": [
        "RMLA Questions {#xd_6398752935c24d41-5c7a429b-19a2087ca5a--7ff4 .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/mcr/topics/nmls_mcrFAQ_RMLA.html",
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    {
      "id": "maps/NMLS/licensing/mcr/topics/nmls_mcrFAQ_RMLA.md:chunk-1",
      "title": "RMLA Questions {#xd_6398752935c24d41-5c7a429b-19a2087ca5a--7ff4 .concept}",
      "content": " is reported the same way as in the above example for AC065.\n\n    For example:\n\n\n\nInitial Application amount \\(reported on AC020\\) when application is received \\(Q1\\):\n\n\n\n$100,000\n\n\n\nChanges to the loan during the quarter \\(Q1\\) \\(report in AC065\\) \\(Already done in Q1\\)\n\n\n\n- $​​20,000\n\n\n\nChanges to the loan amount during the quarter \\(Q2\\) \\(report in AC065\\)\n\n\n\n$ 10,000\n\n\n    If the loan application in the example used above closes in Q2, report the change to the loan amount in AC065.\n\n    If that loan app moves into the next quarter, it moves over at the higher net amount of $90,000.\n\n    You need to continue tracking the loan amount until the loan closes.\n\nQ. What do I include in the Broker Fee and Lender Fee fields of RMLA Section I?\n:   Include all fees that your company has collected and retained. Examples include, but are not limited to, origination fees, application fees, and yield spread premiums \\(YSP\\). Do not include pass through fees. Note that compensation paid to MLOs is not considered a pass through fee.\n\nQ. When reporting activity information on a RMLA component by state, is this based on the location of the property?\n:   Yes, the activity information is based on the location of the property and reported by state.\n\nQ. Does private money lending for any loan type on the MCR need to be included on the RMLA?\n:   Yes, all residential mortgage loans must be accounted for on the RMLAs regardless of the source of funds.\n\nQ. Does my company have to report loans on unimproved land or construction loans \\(other than construction-permanent loans\\) or other temporary financing on the MCR?\n:   No, these types of transactions are not required to be reported at this time. As a reminder, construction-permanent loans MUST be reported.\n\nQ. Our company does not collect fees directly from the borrower. Do I have to report fees I receive from someone other than the borrower?\n:   Yes, you must report all fees received, other than pass through fees, regardless of whether",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\mcr\\topics\\nmls_mcrFAQ_RMLA.md",
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        "RMLA Questions {#xd_6398752935c24d41-5c7a429b-19a2087ca5a--7ff4 .concept}"
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    {
      "id": "maps/NMLS/licensing/mcr/topics/nmls_mcrFAQ_RMLA.md:chunk-2",
      "title": "RMLA Questions {#xd_6398752935c24d41-5c7a429b-19a2087ca5a--7ff4 .concept}",
      "content": "ees directly from the borrower. Do I have to report fees I receive from someone other than the borrower?\n:   Yes, you must report all fees received, other than pass through fees, regardless of whether they come from the borrower, lender or other party. At a minimum, these fees are reported in AC600, AC610, AC620 and AC630 as appropriate.\n\nQ. Does MLO information be entered manually?\n:   No, MLO information can be uploaded in conjunction with the XML upload or uploaded via a CSV upload file.\n\nQ. What if my company had no MLOs during the reporting period?\n:   If you did not conduct any activity during the reporting period, then the MLO section can be left blank. If your company reported loan activity and you didn't have any MLOs in that reporting period, then you should enter one of the control persons \\(MU2 persons\\) as the person conducting the activity with an explanatory note.\n\nQ. What if we no longer employ an MLO but did in the reporting quarter − do we list them on the MCR?\n:   Yes, you must list each MLO you employed that closed loans during the reporting quarter in each state whether or not you employ the MLO when you submit the MCR filing.\n\nQ. We have loans in our portfolio that were originated before the QM rules went into effect. How do I report those loans \\(that could be either QM or non-QM\\) in my assets?\n:   Loans that were originated prior to QM regulation can be reported on line AC940 \\(Not Subject to QM\\) in the RMLA component of the Standard and Expanded MCR, and on line A060W3 \\(Not Subject to QM\\) in the financial condition component of the Expanded MCR.\n\nQ. How should my company report a construction loan if it changes to a non-construction loan?\n:   The construction loan will start as a non-QM loan, but once it changes over to a non-construction loan, it can be placed in the QM portfolio or category if it meets the requirements.\n\n**Parent topic:**Mortgage Call Report Frequently Asked Questions",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\mcr\\topics\\nmls_mcrFAQ_RMLA.md",
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        "RMLA Questions {#xd_6398752935c24d41-5c7a429b-19a2087ca5a--7ff4 .concept}"
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      "id": "maps/NMLS/licensing/mcr/topics/nmls_mcrFAQ_RMLA.md:chunk-3",
      "title": "RMLA Questions {#xd_6398752935c24d41-5c7a429b-19a2087ca5a--7ff4 .concept}",
      "content": "an, it can be placed in the QM portfolio or category if it meets the requirements.\n\n**Parent topic:**Mortgage Call Report Frequently Asked Questions",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\mcr\\topics\\nmls_mcrFAQ_RMLA.md",
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        "RMLA Questions {#xd_6398752935c24d41-5c7a429b-19a2087ca5a--7ff4 .concept}"
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    {
      "id": "maps/NMLS/licensing/mcr/topics/nmls_mcrFAQ_company.md:chunk-0",
      "title": "Company Level {#xd_6398752935c24d41-5c7a429b-19a2087ca5a--7ff1 .concept}",
      "content": "# Company Level \n\nCompany level questions on the mortgage call report.\n\nQ. How do we report warehouse lines of credit in the MCR-RMLA Company Level filing?\n:   Warehouse lines of credit are reported in the Company-Level Information component. The lines of credit should reflect all warehouse lines of credit the licensee holds \\(not parent or subsidiary since MCR-RMLA\\) and only that part which has been “committed.” “Uncommitted” amounts, funded at the discretion of the creditor, should not be reported. However, if a creditor extends “uncommitted” amounts to the licensee, the amounts extended should be reported as the credit limit with zero remaining availability.\n\n**Parent topic:**Mortgage Call Report Frequently Asked Questions",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\mcr\\topics\\nmls_mcrFAQ_company.md",
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      "headings": [
        "Company Level {#xd_6398752935c24d41-5c7a429b-19a2087ca5a--7ff1 .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/mcr/topics/nmls_mcrFAQ_company.html",
      "snippet": null
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    {
      "id": "maps/NMLS/licensing/mcr/topics/nmls_mcrFAQ_finCondition.md:chunk-0",
      "title": "Financial Condition {#xd_6398752935c24d41-5c7a429b-19a2087ca5a--7ff2 .concept}",
      "content": "# Financial Condition \n\nQuestions about reporting Financial Condition on the mortgage call report.\n\nQ. What does FAS stand for and where do I find​ this information?\n:   FAS stands for Financial Accounting Standards and refers to specific guidance provided by the Financial Accounting Standards Board \\(FASB\\).\n\nQ. I have not filed my taxes yet and won't complete them until April 15. How can I complete the Financial Condition \\(FC\\)?\n:   The FC is meant to capture unaudited information about the company and if there are material differences after taxes are completed or you have audited financial statements, then you should amend your FC and provide the corrected information. You must provide complete information in a timely manner to your state regulator and failure to file on time will result in a deficiency placed on your company license.\n\nQ. My company earns revenue from sources other than mortgage origination. I don't see a place to enter this information – what should I do?\n:   All mortgage-related income should be reported. There are three specific categories for reporting mortgage-related income: 1. Origination Related; 2. Secondary Market Gains/Losses on Sale; and 3. Servicing Related. If the revenue doesn't fall into one of these categories, you should report it in field C770 \\(Other Non-Interest Income\\).\n\nQ. If I don't receive fees directly from the borrower, do I have to complete fields related to this topic \\(e.g. C210, C220, C230\\)?\n:   The definitions do not limit this information to borrower received fees.\n\nQ. We are unsure what to enter for non-corporate personnel compensation under Schedule D. Can you provide general clarification?\n:   This section requires your company to report compensation expenses \\(e.g., salaries, etc.\\) paid to individuals serving in an origination, secondary marketing or warehousing capacity.\n\nQ. Does the FC filing accept decimals or negative values in fields?\n:   The system does not allow decimals and you should round the amo",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\mcr\\topics\\nmls_mcrFAQ_finCondition.md",
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      "headings": [
        "Financial Condition {#xd_6398752935c24d41-5c7a429b-19a2087ca5a--7ff2 .concept}"
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      "id": "maps/NMLS/licensing/mcr/topics/nmls_mcrFAQ_finCondition.md:chunk-1",
      "title": "Financial Condition {#xd_6398752935c24d41-5c7a429b-19a2087ca5a--7ff2 .concept}",
      "content": "in an origination, secondary marketing or warehousing capacity.\n\nQ. Does the FC filing accept decimals or negative values in fields?\n:   The system does not allow decimals and you should round the amounts to the nearest dollar. The system does accept negative values in the FC component.\n\nQ. I am confused with C200. Do I report values for my mortgage business, my real estate business or my other businesses?\n:   This section refers to originations-related non-interest income; and if your company uses fair value accounting for loans held for sale.\n\n​Q. My company files parent company financial statements either through the MBFRF or to state agencies. May we use these for the NMLS MCR?\n:   No. The Financial Condition component of the NMLS MCR must be reflective of the licensee and its consolidated subsidiaries and joint ventures in accordance with generally accepted accounting principles \\(GAAP\\) and MCR instructions. If the licensee does not have its own consolidated financial statements, but is included in its parent’s consolidated financial statements, these statements must include a supplemental balance sheet and income statement for the licensee.\n\nQ. I just uploaded my independently prepared financial statement into NMLS. Do I also need to amend the FC section of the MCR?\n:   If your independently prepared financial statement is materially different from what you filed on the MCR, then you should amend your previously filed MCR FC section so that it agrees.\n\nQ. When reporting data in the Financial Condition for a licensee required to report it quarterly, should the information be reported based on the filing quarter or year to date?\n:   Schedules A \\(Assets\\) and B \\(Liabilities and Equity\\) are reported year-to-date as of the end of the reporting period. Schedules B-350R \\(Equity Rollforward\\), C \\(Income\\), D \\(Non-Interest Expense\\), and O \\(Reserves and Valuation Allowance Rollforwards\\) are reported for only the three-months ending as of the end of the reporti",
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      "headings": [
        "Financial Condition {#xd_6398752935c24d41-5c7a429b-19a2087ca5a--7ff2 .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/mcr/topics/nmls_mcrFAQ_finCondition.html",
      "snippet": null
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      "id": "maps/NMLS/licensing/mcr/topics/nmls_mcrFAQ_finCondition.md:chunk-2",
      "title": "Financial Condition {#xd_6398752935c24d41-5c7a429b-19a2087ca5a--7ff2 .concept}",
      "content": "50R \\(Equity Rollforward\\), C \\(Income\\), D \\(Non-Interest Expense\\), and O \\(Reserves and Valuation Allowance Rollforwards\\) are reported for only the three-months ending as of the end of the reporting period. Aggregate income, expenses, and net income from each quarter making up the licensee’s fiscal year should materially agree to the licensee’s consolidated income statement.\n\nQ. How do I report the Loans Eligible to Repurchase Right From GNMA asset and corresponding liability in the MCR-FC?\n:   At this time, there are no specific MCR-FC fields for the Loans Eligible To Repurchase From GNMA asset and corresponding liability. However, the federal report MBFRF v2.6 has specific line items for these amounts \\(GNMA Loans Eligible For Repurchase field A235 and Liability For GNMA Loans Eligible For Repurchase field B195\\). At this time, a licensee may either omit these amounts from the MCR-FC or include them as both a short-term asset and liability.\n\nQ. How do I report other comprehensive income \\(loss\\) of the licensee in the MCR-FC?\n:   The income statement of a licensee’s financial statement may include an other comprehensive income \\(loss\\) amount below net income. This amount typically represents unrealized revenues, expenses, gains, and losses that affect a company’s assets, but are not yet recognized on the income statement. This amount should be included in the MCR-FC Equity section field B300 with the effect on assets already reflected in their balance.\n\nQ. How do I report escrow funds held in trust which are not assets of the licensee in the MCR-FC?\n:   The balance sheet of a licensee’s financial statement may include escrow funds held in trust which are not assets of the licensee. Such amounts could be reported as a memo item on the MCR-FC field A250 Escrow Funds \\(Held in Trust for Investors or Mortgagors\\) which is not included in assets or liability totals.\n\nQ. My company has subsidiaries and/or joint ventures included in its consolidated financial statem",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\mcr\\topics\\nmls_mcrFAQ_finCondition.md",
      "relative_path": "maps\\NMLS\\licensing\\mcr\\topics\\nmls_mcrFAQ_finCondition.md",
      "headings": [
        "Financial Condition {#xd_6398752935c24d41-5c7a429b-19a2087ca5a--7ff2 .concept}"
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      "html_link": "/docs/maps/NMLS/licensing/mcr/topics/nmls_mcrFAQ_finCondition.html",
      "snippet": null
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    {
      "id": "maps/NMLS/licensing/mcr/topics/nmls_mcrFAQ_finCondition.md:chunk-3",
      "title": "Financial Condition {#xd_6398752935c24d41-5c7a429b-19a2087ca5a--7ff2 .concept}",
      "content": "s \\(Held in Trust for Investors or Mortgagors\\) which is not included in assets or liability totals.\n\nQ. My company has subsidiaries and/or joint ventures included in its consolidated financial statements in accordance with generally accepted accounting principles \\(GAAP\\) which are not wholly owned. How do I report the non-controlling interests in the MCR-FC?\n:   A company's audited financial statement may report non-controlling interests by separate line items within the equity section and below net income on the income statement. These amounts represent the portions of entities not owned by the company. These amounts should be reported in the Noncontrolling Interest MCR-FC fields B310 \\(equity\\) and D560 \\(income\\(loss\\)\\). Accordingly, consolidated net income in the MCR-FC should be the total of amounts attributable to both controlling and noncontrolling interests.\n\nQ. How do I view all MCR-FCs, MCR-RMLAs, and uploaded financial statements my company has filed in NMLS?\n:   When logged into as licensee on NMLS go into an inquiry-only view: Composite View tab \\(top row of tabs on right\\), View Company \\(second row of tabs on left\\), and MCR Filing History or Financial Statement Summary \\(links on left\\).\n\n**Parent topic:**Mortgage Call Report Frequently Asked Questions",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\mcr\\topics\\nmls_mcrFAQ_finCondition.md",
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        "Financial Condition {#xd_6398752935c24d41-5c7a429b-19a2087ca5a--7ff2 .concept}"
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      "id": "maps/NMLS/licensing/mcr/topics/nmls_mcrFAQ_general.md:chunk-0",
      "title": "General Questions {#xd_6398752935c24d41-5c7a429b-19a2087ca5a--7ffc .concept}",
      "content": "# General Questions \n\nGeneral questions about the Mortgage Call Report.\n\nQ. What if my company is licensed in a state or has licensed mortgage loan originators \\(MLOs\\) in a state and the state does not manage the company license on NMLS – how do we submit the MCR?\n:   The MCR filing capability will allow you to select any state or territory to submit data through the system. You may have to manually add these state components to the filing. States not managing company license types on NMLS may not accept this filing as satisfaction of their state reporting requirement. Please check with the state regulator for further information.\n\nQ. If my institution is only federally registered on NMLS and we only employ federally registered MLOs, are we required to submit the MCR?\n:   Currently, only state-licensed companies and companies employing state-licensed MLOs must complete the MCR.\n\nQ. What if I am a state licensed subsidiary of a federally regulated institution? Do I have to complete the MCR?\n:   All state-licensed companies or companies employing state-licensed MLOs must complete the MCR.\n\nQ. Does NMLS offer a data upload option for the MCR or does it require manual input?\n:   NMLS offers both manual input and data upload options \\(including the ability to manually edit data that has been uploaded\\). The data upload feature utilizes XML. For more information, see Submitting the MCR with XML. There is also an option to upload MLO activity on the RMLA via a comma separated value \\(CSV\\) file.\n\nQ. My company operates in multiple states. Do I file a MCR for each state?\n:   Only one NMLS Mortgage Call Report is filed per company per quarter. This one report includes a separate breakout for each state in which the company is licensed or has licensed MLOs. This allows you to report the activity you conduct in each state separately.\n\nQ. Does my company have a limited time to create or amend MCR filings from previous quarters?\n:   MCRs are unable to be created or amended more",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\mcr\\topics\\nmls_mcrFAQ_general.md",
      "relative_path": "maps\\NMLS\\licensing\\mcr\\topics\\nmls_mcrFAQ_general.md",
      "headings": [
        "General Questions {#xd_6398752935c24d41-5c7a429b-19a2087ca5a--7ffc .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/mcr/topics/nmls_mcrFAQ_general.html",
      "snippet": null
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    {
      "id": "maps/NMLS/licensing/mcr/topics/nmls_mcrFAQ_general.md:chunk-1",
      "title": "General Questions {#xd_6398752935c24d41-5c7a429b-19a2087ca5a--7ffc .concept}",
      "content": "port the activity you conduct in each state separately.\n\nQ. Does my company have a limited time to create or amend MCR filings from previous quarters?\n:   MCRs are unable to be created or amended more than two \\(2\\) years after the period end date. For example, for a Q4 2022 report, the last day it could be created/ amended was on 12/31/2024.\n\nQ. Will the MCR be made available to the public?\n:   Company specific reports will not be made publicly available by NMLS. NMLS may aggregate data and release aggregated data to the public at a future date. State regulators may be subject to state public records law requirements to make the state's MCR information available to the public in certain circumstances.\n\nQ. Will the MCR replace all state annual or quarterly reports?\n:   One goal of the MCR is to standardize and improve the information available about mortgage originations such that it can replace currently required state reporting. The decision is up to each state agency and many states have indicated that they will accept the MCR as satisfaction of their state specific reporting requirements. Contact your state regulator for complete information.​\n\n**Parent topic:**Mortgage Call Report Frequently Asked Questions",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\mcr\\topics\\nmls_mcrFAQ_general.md",
      "relative_path": "maps\\NMLS\\licensing\\mcr\\topics\\nmls_mcrFAQ_general.md",
      "headings": [
        "General Questions {#xd_6398752935c24d41-5c7a429b-19a2087ca5a--7ffc .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/mcr/topics/nmls_mcrFAQ_general.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/mcr/topics/nmls_mcrFAQ_industryUsers.md:chunk-0",
      "title": "Questions Received from Industry Users {#xd_6398752935c24d41-5c7a429b-19a2087ca5a--7ffb .concept}",
      "content": "# Questions Received from Industry Users \n\nQuestions about the Mortgage Call Report received from industry users.\n\n1. What do I report as the application amount for a shared appreciation loan?\n:   Report the maximum cash advance amount.\n\n2. Which loans should be included in I330 and I331?\n:   I330 and I331 should sum to equal I100, the total residential mortgage loans closed in the Residential Mortgage Loan Activity.\n\n3. What should I put in AC063?\n:   AC063 is meant to cover situations that do not fall into the other normal pipeline categories. These situations should be unique and rare, hence the requirement for explanation. One example is an application that changes between neighboring states. A normal entry here would be zeroes.\n\n4. What is the difference between AC063 and AC065?\n:   Use AC065 in cases where the only thing that changes is the application amount.\n\n5. What, if anything, should my company put in the state-specific supplemental form \\(SSSF\\)?\n:   The SSSF is for states to collect data they were already collecting outside of NMLS. If your company is not already reporting the data outside of NMLS, it is unlikely that a state will require you to submit the SSSF. CSBS will post a list of states that will be requiring the SSSF by the end of the year.\n\n6. How do I record pre-approvals now that the field for those is not included in MCR FV6?\n:   Refer to the definition of “Pre-approval” in the Definitions and Formatting Requirements for MCR V6 \\(PDF\\). If you are referencing pre-qualifications, these must be reported if a denial of credit has been made. Bona-fide pre-approval requests would be reported the same as any other application.\n\n7. If my company indicates lending business activities at the beginning of the reporting period but changes to only broker activities before the end of the quarter, how does this impact my MCR?\n:   If a company is engaged in lending at the start of the reporting period, the lender data fields would need to be completed as ",
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      "relative_path": "maps\\NMLS\\licensing\\mcr\\topics\\nmls_mcrFAQ_industryUsers.md",
      "headings": [
        "Questions Received from Industry Users {#xd_6398752935c24d41-5c7a429b-19a2087ca5a--7ffb .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/mcr/topics/nmls_mcrFAQ_industryUsers.html",
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      "id": "maps/NMLS/licensing/mcr/topics/nmls_mcrFAQ_industryUsers.md:chunk-1",
      "title": "Questions Received from Industry Users {#xd_6398752935c24d41-5c7a429b-19a2087ca5a--7ffb .concept}",
      "content": "ctivities before the end of the quarter, how does this impact my MCR?\n:   If a company is engaged in lending at the start of the reporting period, the lender data fields would need to be completed as lending activities were indicated during the reporting period. The system checks your business activities at the beginning and end of the reporting period, filling in zeros for irrelevant fields based on these activities.\n\n8. If my XML upload file has data populated for sections that would be pre filled with zeros based on my business activities, will the system still let it go through or will it cause an error?\n:   If the XML file meets the schema, the system will populate the data provided into the fields indicated. If you are not required to complete the section or certain fields but you provided data, then you can either change these fields to zero or you can submit the report with the data but would have to ensure all completeness checks pass.\n\n**Parent topic:**Mortgage Call Report Frequently Asked Questions",
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      "headings": [
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      "html_link": "/docs/maps/NMLS/licensing/mcr/topics/nmls_mcrFAQ_industryUsers.html",
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      "id": "maps/NMLS/licensing/mcr/topics/nmls_mcrFAQ_servicing.md:chunk-0",
      "title": "Servicing {#xd_6398752935c24d41-5c7a429b-19a2087ca5a--7ff3 .concept}",
      "content": "# Servicing \n\nQuestions about reporting servicing on the mortgage call report.\n\nQ. Is my company required to report interim servicing?\n:   No. Interim servicing information under 90 days or collection of three payments or less is not reported on the MCR.\n\nQ.If my company owns the servicing rights in states where we are not currently required to be licensed through NMLS, should we create state-specific RMLAs in those states to report the servicing activity so all reports balance, or do we report the additional volume under the \"Loans Serviced - Nationwide Totals\" section?\n:   Your company has two options: You can report the servicing activity in the nationwide totals section to reflect the additional servicing volume in those states where you are not required to hold a license through NMLS, but because this won't match up with the state specific servicing figures in the RMLAs, you will be required to acknowledge a completeness check warning and input a note for the regulators. The second option is to create new RMLAs for those states that you are not licensed in, input the servicing data for those respective states, and submit the filing. This approach will ensure that the nationwide servicing totals match the state specific servicing data, therefore there will be no completeness check warning to acknowledge.\n\nQ. My company owns the servicing rights to all our loans but uses a subservicer to complete the servicing function. We have indicated in S540 Subservicing by Others, that all our serviced loans are subserviced by others. Do we need to report these serviced loans in S600-S1050 as well?\n:   Yes. Your company should report serviced loans in S600-S1050 for loans that you have the servicing rights to. You need to report on all the loans you are responsible for servicing even if you have contracted with another company \\(subservicer\\) to complete that function.\n\nQ. For some loans serviced, no pool numbers are assigned, but we receive an error message if pool number i",
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      "headings": [
        "Servicing {#xd_6398752935c24d41-5c7a429b-19a2087ca5a--7ff3 .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/mcr/topics/nmls_mcrFAQ_servicing.html",
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      "id": "maps/NMLS/licensing/mcr/topics/nmls_mcrFAQ_servicing.md:chunk-1",
      "title": "Servicing {#xd_6398752935c24d41-5c7a429b-19a2087ca5a--7ff3 .concept}",
      "content": " even if you have contracted with another company \\(subservicer\\) to complete that function.\n\nQ. For some loans serviced, no pool numbers are assigned, but we receive an error message if pool number is left blank in Section III – Loans Serviced. How should complete these fields if no pool number is assigned to satisfy the Completeness Check error message?\n:   Systematically filers are required to input a pool number, owner name, the UPB\\($\\) and Loan Count \\(\\#\\) in Section III – Loans Serviced if servicing information is provided. If no pool numbers were assigned, filers should use their own in-house pool numbers and retain proper work papers to provide the examiners during an examination.\n\nQ. Are we required to report each individual pool, or should they be limited to investor type and provided in the aggregate?\n:   Due to the large amount of data/pools that are being reported in some cases, pools should be limited to investor type and provided in the aggregate. Retaining work papers is important so that pools can be reviewed adequately during an examination.\n\nQ. As a subservicer, when entering Owner Name and NMLS ID \\# under S530 \\(Subservicing for Others\\), do we input the owner of the loan or the owner of the mortgage servicing rights?\n:   Report the owner of the mortgage servicing rights.\n\n**Parent topic:**Mortgage Call Report Frequently Asked Questions",
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        "Servicing {#xd_6398752935c24d41-5c7a429b-19a2087ca5a--7ff3 .concept}"
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      "id": "maps/NMLS/licensing/mcr/topics/nmls_mcrFAQ_version6.md:chunk-0",
      "title": "Version 6 Questions {#xd_6398752935c24d41-5c7a429b-19a2087ca5a--7ff5 .concept}",
      "content": "# Version 6 Questions \n\nQuestions about MCR V6.\n\n1. When will the Mortgage Call Report Form Version 6 \\(MCR FV6\\) changes go into effect?\n:   Beginning on April 1, 2024, company users will be able to submit the Q1 MCR using the new MCR Form Version 6. On March 16, 2024, NMLS will be enhanced to include the new MCR Form Version 6 \\(FV6\\). Companies will be required to collect appropriate data for transactions on and after Jan. 1, 2024.\n\n2. What type of changes will go into effect with the Mortgage Call Report Form Version 6?\n:   Form Version 6 contains many changes. In sum, the changes create three main improvements:\n\n    1.  Eliminate standard/expanded forms and consolidate to one form; use business activities on the company form to drive zero-filling of irrelevant form sections and determine whether users submit an annual or quarterly financial condition.\n    2.  Eliminate commercial and consumer lending elements from mortgage reporting by creating a separate State-Specific Supplemental Form.\n    3.  Edit line-item definitions based on feedback, bring more clarity to definitions and allow the implementation of more completeness checks.\n\n3. Will training be available?\n:   Training will be offered at the NMLS Conference on February 15, 2024, as well as a Live-Virtual Webinar on March 20th, 2024. More details to come as they are finalized.\n\n4. When should I update my business activities to make sure my filing requirements are correct for the quarter?\n:   The system will examine your company's business activities at both the start and end of the reporting period. This aims to generate a comprehensive overview of your company and identify the necessary data fields. It's crucial to maintain up to-date records of your business activities throughout the reporting period to ensure accuracy in the generated snapshot. Additionally, the system will automatically fill in irrelevant fields with zeros based on this information.\n\n5. How should companies prepare now for the upcomin",
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      "headings": [
        "Version 6 Questions {#xd_6398752935c24d41-5c7a429b-19a2087ca5a--7ff5 .concept}"
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      "title": "Version 6 Questions {#xd_6398752935c24d41-5c7a429b-19a2087ca5a--7ff5 .concept}",
      "content": "ure accuracy in the generated snapshot. Additionally, the system will automatically fill in irrelevant fields with zeros based on this information.\n\n5. How should companies prepare now for the upcoming changes?\n:   Keep an eye open for communications surrounding training and resources. Review the relevant resources, such as:\n\n    1.  Overview of MCR V6 Changes \\(PDF\\)\n    2.  MCR Business Activity Mapping Table \\(Excel\\)\n    3.  Redline comparison of V5 to V6 field definitions \\(Excel\\)\n    4.  Sample MCR V6 \\(Excel\\)\n    5.  XML Schema for Upload MCR v6 \\(Zipped XSD\\)\n\n6. What are open office hours and how can I join?\n:   CSBS has designated staff available to assist with any inquiries regarding the upcoming implementation of MCR FV6. Beginning on Monday, November 6, and continuing until April 1, 2024, you can engage in direct discussions with a CSBS staff member every other Monday between 1:00 and 2:00 p.m. EST. During this time CSBS staff will be ready to answer questions about timelines, changed or added report elements, and available support resources. CSBS office hours will be held via Zoom. To join the office hours Zoom meeting \\(all sessions\\), use this link: https://us02web.zoom.us/j/82102995323?pwd=dTV6WHdXWjZNUWVsQzVmVm pUdTR2UT09\n\n    Meeting ID: 821 0299 5323\n\n    Passcode: 102696\n\n7. Where can I find the line-item definitions that will be implemented for the Mortgage Call Report Form Version 6?\n:   Download the Definitions and Formatting Requirements for MCR V6 \\(PDF\\).\n\n8. What are the reasons for implementing the Mortgage Call Report Form Version 6 in 2024?\n:   The MCR makes it possible for state agencies to compare data across states, aggregate nationwide data, and eliminate duplicative reporting outside of NMLS. The changes made in FV6 are meant to help advance these goals and will allow the state regulator to:\n\n    -   Aggregate nationwide data on the entire mortgage industry for data points that were previously required only of Fannie/Freddie/Gin",
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      "title": "Version 6 Questions {#xd_6398752935c24d41-5c7a429b-19a2087ca5a--7ff5 .concept}",
      "content": "p advance these goals and will allow the state regulator to:\n\n    -   Aggregate nationwide data on the entire mortgage industry for data points that were previously required only of Fannie/Freddie/Ginnie-affiliated lenders and servicers.\n    -   These reporting requirements will also allow state agencies to eliminate reporting outside of NMLS for companies not approved by the GSEs or Ginnie Mae\n\n9. Will I now be required to file a quarterly financial condition?\n:   The Financial Condition requirement will depend on the business activities of the company. Lenders and servicers will file quarterly Financial Conditions whereas companies whose record reflect broker-only business activities will file an annual Financial Condition.\n\n10. How do the company’s business activities influence my MCR filing in FV6?\n:   The system will use business activities on the company form to drive zero-filling of irrelevant form sections. Review the MCR Business Activity Mapping Table \\(Excel\\) to identify the business activities associated with MCR FV6 sections.\n\n11. If my company reports brokering as its only business activity in some states, and lending or servicing in other states, what forms will I be required to fill out?\n:   Business Activities are reported per state, the indication of filing as a broker, lender, or servicer is done at the company level. If a company conducts lending in one state and broker activities in another, the form required will be for a lender and broker. The company would be required to file a quarterly Financial Condition.\n\n12. What does zero-filled mean?\n:   Sections on MCR FV6 that are considered irrelevant based on the company’s business activities, for the reporting period, will be automatically populated with zeros, however, you can manually edit them if you need to.\n\n13. Where can specific questions regarding MCR FV6 be submitted?\n:   If you have questions specific to MCR FV6, please email them to MCRV6@csbs.org.\n\n14. Will the State-Specific Suppleme",
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      "id": "maps/NMLS/licensing/mcr/topics/nmls_mcrFAQ_version6.md:chunk-3",
      "title": "Version 6 Questions {#xd_6398752935c24d41-5c7a429b-19a2087ca5a--7ff5 .concept}",
      "content": "you need to.\n\n13. Where can specific questions regarding MCR FV6 be submitted?\n:   If you have questions specific to MCR FV6, please email them to MCRV6@csbs.org.\n\n14. Will the State-Specific Supplemental form only be available if the State requires it?\n:   Yes, the State-Specific Supplemental form only displays as a component of the MCR form if the State requires it.\n\n15. Which states will require the State-Specific Supplemental form?\n:   This information is posted on Mortgage Call Report User Guide.\n\n16. Will state agencies offer a grace period or any leniency when MCR FV6 goes into effect?\n:   View a list of state agencies that have provided information on offering a grace period for the Q1 2024 filing submission. If your agency is not listed, please contact them directly for guidance.\n\n**Parent topic:**Mortgage Call Report Frequently Asked Questions",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\mcr\\topics\\nmls_mcrFAQ_version6.md",
      "relative_path": "maps\\NMLS\\licensing\\mcr\\topics\\nmls_mcrFAQ_version6.md",
      "headings": [
        "Version 6 Questions {#xd_6398752935c24d41-5c7a429b-19a2087ca5a--7ff5 .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/mcr/topics/nmls_mcrFAQ_version6.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/mcr/topics/nmls_mcrFC_completing.md:chunk-0",
      "title": "Completing the FC Component {#nmls_mcrFC_completing .task}",
      "content": "# Completing the FC Component \n\n1.  Under the Financial Condition component, click the **Edit** icon.\n\n    **Note:** If you filed an MCR in the previous annual reporting period, fields are automatically populated with the values from the previous year.\n\n2.  Complete Schedule A through Schedule O and select the **Save** button on each page.\n\n3.  Select **Completeness Checks and Warnings** on the left navigation panel.\n\n4.  Resolve any completeness check errors, if applicable.\n\n    **Note:** Warning Messages appear to serve as a warning that the data provided in the FC may be incorrect. You can correct the warnings by satisfying the issues that are described in the warning message. If you choose not to correct the warnings, you must provide an explanatory note indicating why you have not satisfied them and select the box that you acknowledge the existence of the warnings.\n\n5.  Select the **Ready to Submit** button.\n\nCompleting the RMLA Component\n\n**Parent topic:**Mortgage Call Report User Guide",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\mcr\\topics\\nmls_mcrFC_completing.md",
      "relative_path": "maps\\NMLS\\licensing\\mcr\\topics\\nmls_mcrFC_completing.md",
      "headings": [
        "Completing the FC Component {#nmls_mcrFC_completing .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/mcr/topics/nmls_mcrFC_completing.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/mcr/topics/nmls_mcrManualVersusDataUpload.md:chunk-0",
      "title": "Manual Input vs. Data Upload {#nmls_mcrManualVersusDataUpload .concept}",
      "content": "# Manual Input vs. Data Upload \n\nNMLS offers both the manual input and data upload options.\n\nThe two options are complementary to each other. This means you have the ability to upload data and subsequently manually enter or correct data before submitting the filing.\n\nThe data upload feature utilizes XML The MCR-XML format provides a means to file the MCR without requiring manual data entry. The organization filing the MCR will have the option to extract the data from their internal systems, format to the MCR-XML format, and upload the file to NMLS as part of their MCR form filing.\n\nTo provide the MCR XML file you must log into NMLS and manually start the MCR filing. The MCR XML file has to be manually uploaded to NMLS by browsing to the file that is stored on your file system and then uploading the file. Afterwards, you will have to complete the filing.\n\nRegardless of the feature used to populate the MCR and similar to other filings, you will need to run completeness checks, attest, and submit the MCR through NMLS.\n\n**Parent topic:**Submitting the MCR with XML",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\mcr\\topics\\nmls_mcrManualVersusDataUpload.md",
      "relative_path": "maps\\NMLS\\licensing\\mcr\\topics\\nmls_mcrManualVersusDataUpload.md",
      "headings": [
        "Manual Input vs. Data Upload {#nmls_mcrManualVersusDataUpload .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/mcr/topics/nmls_mcrManualVersusDataUpload.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/mcr/topics/nmls_mcrPrinting.md:chunk-0",
      "title": "Printing Components of an MCR Filing {#nmls_mcrPrinting .task}",
      "content": "# Printing Components of an MCR Filing \n\n1.  Navigate to the NMLS Login page.\n\n    -   State context.\n    -   Federal context.\n2.  Log in to your NMLS account.\n\n3.  Select the **Filing** tab.\n\n4.  Select the **Call Reports** button.\n\n5.  Select the **Mortgage Call Report** button.\n\n6.  Click the **View** icon next to the desired filing.\n\n7.  Click the **View** icon next to the desired RMLA or FC component.\n\n    The MCR component opens in a new tab.\n\n8.  Use your browser options to print the page.\n\n**Parent topic:**Mortgage Call Report User Guide",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\mcr\\topics\\nmls_mcrPrinting.md",
      "relative_path": "maps\\NMLS\\licensing\\mcr\\topics\\nmls_mcrPrinting.md",
      "headings": [
        "Printing Components of an MCR Filing {#nmls_mcrPrinting .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/mcr/topics/nmls_mcrPrinting.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/mcr/topics/nmls_mcrRMLA_completing.md:chunk-0",
      "title": "Completing the RMLA Component {#nmls_mcrRMLA_completing .task}",
      "content": "# Completing the RMLA Component \n\nUnder the Residential Mortgage Loan Activity component, the State-Specific Information and the Company-Level Information must be completed.\n\n1.  **State-Specific Information**\n2.  Click the **Edit** icon under the State-Specific Information section.\n\n    **Note:** If you wish to submit an RMLA for a state that is not listed here, select the **Add New RMLA** button and select the state.\n\n    **Note:** If you filed an MCR in the previous quarterly reporting period, fields are automatically populated with the values from the previous quarter.\n\n3.  Complete each section on the left navigation panel.\n\n    **Note:** You can complete the Section I – MLO data by uploading a .csv file through NMLS. For details on the file specifications and instructions, download the MLO Upload Specification and Sample.\n\n4.  Select **Completeness Checks and Warnings** on the left navigation panel.\n\n5.  Resolve any completeness check errors, if applicable.\n\n6.  Select the **Ready to Submit** button.\n\n7.  Repeat steps 1-5 for each state that is listed.\n\n8.  **Company-Level Information**\n9.  Click the **Edit** icon under the Company-Level Information section.\n\n10. Complete each section on the left navigation panel.\n\n11. Select **Completeness Checks and Warnings** on the left navigation panel.\n\n12. Resolve any completeness check errors, if applicable.\n\n13. Select the **Ready to Submit** button.\n\n14. Select the **Completeness Check and Submit** button at the bottom of the MCR Components page to begin the MCR submission process.\n\n15. Select the attestation checkbox and click the **Attest and Submit** button to submit the filing.\n\n**Parent topic:**Mortgage Call Report User Guide",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\mcr\\topics\\nmls_mcrRMLA_completing.md",
      "relative_path": "maps\\NMLS\\licensing\\mcr\\topics\\nmls_mcrRMLA_completing.md",
      "headings": [
        "Completing the RMLA Component {#nmls_mcrRMLA_completing .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/mcr/topics/nmls_mcrRMLA_completing.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/mcr/topics/nmls_mcrXML.md:chunk-0",
      "title": "Submitting the MCR with XML {#nmls_mcrXML .concept}",
      "content": "# Submitting the MCR with XML \n\nNMLS provides company users with the ability to submit an MCR filing either through manual data entry within NMLS, or through an upload of a properly formatted XML file to NMLS.\n\nThe MCR XML upload feature provides a streamlined option for creating an MCR filing for those companies that are able to extract MCR information from their internal systems. The upload feature may be used to create an initial MCR filing, change information on a pending MCR filing, or amend information on a previously submitted MCR filing.\n\n## MCR XML Specification and Sample Pack \n\nDownload the XML Schema for MCR Upload \\(Zipped XSD\\).\n\nDownload the XML sample pack, a zip file containing schemas and samples: MCR XML Sample Pack \\(ZIP\\).\n\n-   **Uploading the MCR with XML**  \n\n-   **Manual Input vs. Data Upload**  \nNMLS offers both the manual input and data upload options.\n-   **Uploading Data from Multiple Systems**  \nYou are able to upload multiple MCR XML files that are used to complete one MCR filing.\n\n**Parent topic:**Mortgage Call Report User Guide",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\mcr\\topics\\nmls_mcrXML.md",
      "relative_path": "maps\\NMLS\\licensing\\mcr\\topics\\nmls_mcrXML.md",
      "headings": [
        "Submitting the MCR with XML {#nmls_mcrXML .concept}",
        "MCR XML Specification and Sample Pack {#section_gg4_b4n_kfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/mcr/topics/nmls_mcrXML.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/mcr/topics/nmls_mcrXML_uplaoding.md:chunk-0",
      "title": "Uploading the MCR with XML {#nmls_mcrXML_uplaoding .task}",
      "content": "# Uploading the MCR with XML \n\n1.  Navigate to the NMLS Login page.\n\n    -   State context.\n    -   Federal context.\n2.  Log in to your NMLS account.\n\n3.  Select the **Filing** tab.\n\n4.  Select the **Call Reports** button.\n\n5.  Select the **Mortgage Call Report** button.\n\n6.  Select the **Upload New MCR** button.\n\n7.  Browse for your XML file, click the **Open** button, and then click the **Upload** button.\n\n    If all file specifications are met, NMLS creates an FC component and one or more RMLA components based on where the company is actively licensed and required to file. NMLS also populates the components with any data provided in the uploaded file. MCR components can be uploaded in a single or multiple files. It can take a few minutes for the system to finish uploading; continue to refresh the screen until the status changes from `Upload Pending` to `Upload Complete`.\n\n8.  Select the **Mortgage Call Reports** link on the left navigation panel.\n\n9.  Select the **View** icon next to the appropriate filing to access the components of the pending MCR.\n\n    **Note:** Uploading your MCR filing does not complete the submission process. Even if you provide all data required to complete your MCR filing in the XML file \\(including all FC and required RMLA component data\\), you must proceed to the completeness check for each component and place the components in a `Ready to Submit` status before you will be able to submit your MCR filing.\n\n10. Follow the steps in Completing the FC Component and Completing the RMLA Component to submit your MCR filing uploaded with XML.\n\n**Parent topic:**Submitting the MCR with XML",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\mcr\\topics\\nmls_mcrXML_uplaoding.md",
      "relative_path": "maps\\NMLS\\licensing\\mcr\\topics\\nmls_mcrXML_uplaoding.md",
      "headings": [
        "Uploading the MCR with XML {#nmls_mcrXML_uplaoding .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/mcr/topics/nmls_mcrXML_uplaoding.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/mcr/topics/nmls_mcr_FAQ.md:chunk-0",
      "title": "Mortgage Call Report Frequently Asked Questions {#nmls_mcr_FAQ .concept}",
      "content": "# Mortgage Call Report Frequently Asked Questions \n\nFrequently asked questions \\(FAQs\\) for the Mortgage Call Report \\(MCR\\) in NMLS.\n\n-   **Version 6 Questions**  \nQuestions about MCR V6.\n-   **Questions Received from Industry Users**  \nQuestions about the Mortgage Call Report received from industry users.\n-   **General Questions**  \nGeneral questions about the Mortgage Call Report.\n-   **RMLA Questions**  \nQuestions about the RMLA fields on MCR v6.\n-   **Servicing**  \nQuestions about reporting servicing on the mortgage call report.\n-   **Financial Condition**  \nQuestions about reporting Financial Condition on the mortgage call report.\n-   **Company Level**  \nCompany level questions on the mortgage call report.\n\n**Parent topic:**Mortgage Call Report \\(MCR\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\mcr\\topics\\nmls_mcr_FAQ.md",
      "relative_path": "maps\\NMLS\\licensing\\mcr\\topics\\nmls_mcr_FAQ.md",
      "headings": [
        "Mortgage Call Report Frequently Asked Questions {#nmls_mcr_FAQ .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/mcr/topics/nmls_mcr_FAQ.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/mcr/topics/nmls_mcr_Multi-SystemUpload.md:chunk-0",
      "title": "Uploading Data from Multiple Systems {#nmls_mcr_Multi-SystemUpload .concept}",
      "content": "# Uploading Data from Multiple Systems \n\nYou are able to upload multiple MCR XML files that are used to complete one MCR filing.\n\nYou are also be able to manually enter data in the NMLS before and after the MCR XML upload as another means to complete the MCR filing.\n\n**Note:** Please note that data that coincides between multiple files will result in the prior information being overwritten by the subsequent information if the subsequent upload occurs before the filing is submitted. If the subsequent upload occurs after the filing has been submitted it will create an amendment to the filing.\n\n**Parent topic:**Submitting the MCR with XML",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\mcr\\topics\\nmls_mcr_Multi-SystemUpload.md",
      "relative_path": "maps\\NMLS\\licensing\\mcr\\topics\\nmls_mcr_Multi-SystemUpload.md",
      "headings": [
        "Uploading Data from Multiple Systems {#nmls_mcr_Multi-SystemUpload .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/mcr/topics/nmls_mcr_Multi-SystemUpload.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/mcr/topics/nmls_mcr_businessActivityInfo.md:chunk-0",
      "title": "NMLS Business Activity Information {#nmls_mcr_businessActivityInfo .concept}",
      "content": "# NMLS Business Activity Information \n\n## Business Activity Mapping \n\nWhen filling out the new form, the system will present the user with only the MCR sections relevant to their company's indicated business activities.\n\n|Mortgage Business Activities|Mortgage Broker|Mortgage Lender|Mortgage Servicer|\n|:---------------------------|:-------------:|:-------------:|:---------------:|\n|First mortgage brokering|Y|N|N|\n|First mortgage lending|N|Y|N|\n|First mortgage servicing|N|N|Y|\n|Foreclosure consulting/foreclosure rescue|Y|Y|Y|\n|High cost home loans|Y|Y|N|\n|High-cost home loans - Broker|Y|N|N|\n|High-cost home loans - Lender|N|Y|N|\n|Home equity lending/lines of credit|Y|Y|N|\n|Home equity lending/lines of credit - Broker|Y|N|N|\n|Home equity lending/lines of credit - Lender|N|Y|N|\n|Manufactured housing financing|Y|Y|N|\n|Manufactured housing financing - Broker|Y|N|N|\n|Manufactured housing financing - Lender|N|Y|N|\n|Master servicing|N|N|Y|\n|Mortgage loan modifications|N|N|Y|\n|Mortgage loan purchasing|N|N|Y|\n|Other - Mortgage|Y|Y|Y|\n|Reverse mortgage activities|Y|Y|Y|\n|Reverse mortgage brokering|Y|N|N|\n|Reverse mortgage lending|N|Y|N|\n|Reverse mortgage servicing|N|N|Y|\n|Second mortgage brokering|Y|N|N|\n|Second mortgage lending|N|Y|N|\n|Subordinate lien mortgage servicing|N|N|Y|\n|Third party first mortgage servicing|N|N|Y|\n|Third party subordinate lien mortgage servicing|N|N|Y|\n|Appraisal Management Services|N|N|N|\n|Commercial mortgage brokering or lending|N|N|N|\n|Credit insurance services|N|N|N|\n|Lead generation|N|N|N|\n|Short sale|N|N|N|\n|Third party mortgage loan processing|N|N|N|\n|Third party mortgage loan underwriting|N|N|N|\n\n## Amended Business Servicing Activities with MCR Field \n\nThe first mortgage servicing, master servicing, and subordinate lien servicing business activities were split into two for clarity purposes. Companies that conduct these business activities must total sums where necessary and submit in the appropriate field according to the table below.\n\n\n\nAppro",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\mcr\\topics\\nmls_mcr_businessActivityInfo.md",
      "relative_path": "maps\\NMLS\\licensing\\mcr\\topics\\nmls_mcr_businessActivityInfo.md",
      "headings": [
        "NMLS Business Activity Information {#nmls_mcr_businessActivityInfo .concept}",
        "Business Activity Mapping {#section_eq5_v2n_kfc .section}",
        "Amended Business Servicing Activities with MCR Field {#section_it2_5hn_kfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/mcr/topics/nmls_mcr_businessActivityInfo.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/mcr/topics/nmls_mcr_businessActivityInfo.md:chunk-1",
      "title": "NMLS Business Activity Information {#nmls_mcr_businessActivityInfo .concept}",
      "content": "es were split into two for clarity purposes. Companies that conduct these business activities must total sums where necessary and submit in the appropriate field according to the table below.\n\n\n\nApproved Business Activity Name\n\n\n\nApproved Definition\n\n\n\nMCR \\(State/National\\)\n\n\n\nFirst Mortgage Servicing – Whole Loan\n\n\n\nProviding services including, but not limited to, the receipt of payments, customer service, escrow administration, investor accounting, collections, loss mitigation, or foreclosures for first lien mortgage loans which the company wholly owns. \\(Excluding interim servicing\\).\n\n\n\n-   S510\n-   LS010\n\n\n\nFirst Mortgage Servicing – MSR\n\n\n\nProviding services including, but not limited to, the receipt of payments, customer service, escrow administration, investor accounting, collections, loss mitigation, or foreclosures for first lien mortgage loans for which the company owns the servicing rights. \\(Excluding interim servicing\\).\n\n\n\n-   S520\n-   LS020\n\n\n\nThird Party First Mortgage Servicing\n\n\n\nProviding services for another party that owns the first lien mortgage loan and/or a party that owns the mortgage servicing rights on such a loan, including, but not limited to, the receipt of payments, customer service, escrow administration, investor accounting, collections, loss mitigation, or foreclosures. Third-party servicers, which may be referred to as subservicers, do not own the loan or the mortgage servicing rights associated with the loan. \\(Excluding interim servicing\\).\n\n\n\n-   S530\n-   LS030\n\n\n\nMaster Servicing - MSR\n\n\n\nOwning mortgage servicing rights and contracting with a third-party servicer to manage the receipt of payments, customer service, escrow administration, investor accounting, collections, loss mitigation, or foreclosures related to these servicing rights. \\(Excluding interim servicing\\).\n\n\n\n-   S540\n-   LS040\n\n\n\nMaster Servicing – Whole Loan\n\n\n\nOwning the whole loan and contracting with a third-party servicer to manage the receipt of payment",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\mcr\\topics\\nmls_mcr_businessActivityInfo.md",
      "relative_path": "maps\\NMLS\\licensing\\mcr\\topics\\nmls_mcr_businessActivityInfo.md",
      "headings": [
        "NMLS Business Activity Information {#nmls_mcr_businessActivityInfo .concept}",
        "Business Activity Mapping {#section_eq5_v2n_kfc .section}",
        "Amended Business Servicing Activities with MCR Field {#section_it2_5hn_kfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/mcr/topics/nmls_mcr_businessActivityInfo.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/mcr/topics/nmls_mcr_businessActivityInfo.md:chunk-2",
      "title": "NMLS Business Activity Information {#nmls_mcr_businessActivityInfo .concept}",
      "content": "ng rights. \\(Excluding interim servicing\\).\n\n\n\n-   S540\n-   LS040\n\n\n\nMaster Servicing – Whole Loan\n\n\n\nOwning the whole loan and contracting with a third-party servicer to manage the receipt of payments, customer service, escrow administration, investor accounting, collections, loss mitigation, or foreclosures related to wholly owned loans. \\(Excluding interim servicing\\).\n\n\n\n-   S540\n-   LS040\n\n\n\nSubordinate Lien Servicing – Whole Loan\n\n\n\nProviding services including, but not limited to, the receipt of payments, customer service, escrow administration, investor accounting, collections, loss mitigation, or foreclosures for subordinate lien mortgage loans which the company wholly owns. \\(Excluding interim servicing\\).\n\n\n\n-   S510\n-   LS010\n\n\n\nSubordinate Lien Servicing – MSR\n\n\n\nProviding services including, but not limited to, the receipt of payments, customer service, escrow administration, investor accounting, collections, loss mitigation, or foreclosures for subordinate lien mortgage loans for which the company owns the servicing rights. \\(Excluding interim servicing\\).\n\n\n\n-   S520\n-   LS020\n\n\n\nThird Party Subordinate Lien Mortgage Servicing\n\n\n\nProviding services for another party that owns the subordinate lien mortgage loan and/or a party that owns the mortgage servicing rights on such a loan, including, but not limited to, the receipt of payments, customer service, escrow administration, investor accounting, collections, loss mitigation, or foreclosures. Third-party servicers, which may be referred to as subservicers, do not own the loan or the mortgage servicing rights associated with the loan. \\(Excluding interim servicing\\).\n\n\n\n-   S530\n-   LS030\n\n\n**Parent topic:**Mortgage Call Report \\(MCR\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\mcr\\topics\\nmls_mcr_businessActivityInfo.md",
      "relative_path": "maps\\NMLS\\licensing\\mcr\\topics\\nmls_mcr_businessActivityInfo.md",
      "headings": [
        "NMLS Business Activity Information {#nmls_mcr_businessActivityInfo .concept}",
        "Business Activity Mapping {#section_eq5_v2n_kfc .section}",
        "Amended Business Servicing Activities with MCR Field {#section_it2_5hn_kfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/mcr/topics/nmls_mcr_businessActivityInfo.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/msbCR/topics/msbCR_Adoption.md:chunk-0",
      "title": "MSB Call Report Adoption {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fd7 .concept}",
      "content": "# MSB Call Report Adoption \n\nThe NMLS MSB Call Report is a uniform form that will be completed by MSB companies, licensed in states that require their licensees to submit the report. States that adopt the report, adopt all sections of the report, with the exception of optional Section IV\\(b\\), and entities licensed in the state will be required to complete submission of the report in accordance with the schedule detailed in MSB Call Report: Reporting Frequency.\n\nFor companies licensed in multiple states that adopt the report, the company-level sections only need to be completed in the system once per submission. A company holding more than one license type in a single state is only required to submit one NMLS MSB Call Report for that state. A company licensed in multiple states will complete a separate State Transactions Detail \\(Section II\\(b\\)\\) for each state that adopts the NMLS MSB Call Report and in which the company is licensed.\n\nSection IV\\(b\\), State Transactions Destination Country Detail, is an optional section for states to adopt. This section provides functionality for states to receive state transactions destination country data to be submitted as part of the report on an annual basis.\n\n**Parent topic:**MSBCR Overview and Definitions",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_Adoption.md",
      "relative_path": "maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_Adoption.md",
      "headings": [
        "MSB Call Report Adoption {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fd7 .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/msbCR/topics/msbCR_Adoption.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/msbCR/topics/msbCR_FAQs.md:chunk-0",
      "title": "MSB Call Report Frequently Asked Questions {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fca .concept}",
      "content": "# MSB Call Report Frequently Asked Questions \n\nFor questions on Money Service Businesses \\(MSB\\) Call Report policies or interpretations of field definitions, email NMLSMSBCR@csbs.org.\n\n## General Questions \n\nQ: Is there a fee for submission or use of the MSB Call Report functionality?\n:   A: Similar to the Mortgage Call Report, the SRR Board of Managers has not proposed an additional fee to be required for the use of the MSB Call Report for either regulators or licensees.\n\n## Financial Condition Section \n\nQ: My company files consolidated financial statements of our parent company to state agencies. May we use these for the NMLS MSB Call Report?\n:   A: No. The financial condition component of the MSB Call Report must be reflective of the licensee and not “rolled-up” or consolidated information of the parent company. The financial statements must be consolidated at the licensee level. Financial condition information shall include consolidated financial data for the licensee submitting the report inclusive of its subsidiaries.\n\nQ: My company has virtual currency assets; how do I calculate a U.S. Dollar value for them?\n:   A: Virtual currency valuation must be in U.S. Dollars and should be based on a generally accepted exchange rate and the licensee, when requested, should be able to document and substantiate how they arrived at the valuation.\n\nQ. How does my company determine if a transmission liability is still outstanding? May I extinguish a transmission liability when money is transmitted to third party intermediaries even though the beneficiary has not yet been paid?\n:   A. No. A money transmission liability is outstanding until the funds have been paid to the beneficiary, refunded to the customer or escheated. With respect to payment instruments and stored value, the transmission liability remains outstanding until the funds have been paid and the instrument has been cleared. A company cannot extinguish the transmission liability simply by transmitted funds to th",
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        "General Questions {#section_aj4_12f_mgc .section}",
        "Financial Condition Section {#section_br2_1hf_mgc .section}",
        "Company-wide and State Level Transactions Sections {#section_xvp_gff_mgc .section}",
        "Permissible Investments Section {#section_pnb_h2f_mgc .section}"
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      "title": "MSB Call Report Frequently Asked Questions {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fca .concept}",
      "content": " transmission liability remains outstanding until the funds have been paid and the instrument has been cleared. A company cannot extinguish the transmission liability simply by transmitted funds to third party paying agents until there is evidence that funds have been received by the beneficiaries, and/or the instrument has cleared payment. In the event the company does not have immediate transparency as to when beneficiaries receive payment, it should conduct a review of its payment channels to determine when payment is received by the beneficiary, and maintain a record of that review and the methodology employed to extinguish transmission liabilities. The supporting documentation and methodology are subject to the review and approval of regulators.\n\nQ: For financial condition reporting, are the quarters reported as standalone or year-to-date at each quarter end?\n:   A: Quarters are reported as standalone. The balance sheet information is reported as of the quarter-end, while the income statement is to be reported for the reporting calendar quarter only \\(three-month period\\). For example, if net income is $1,000 in calendar Q1; and $2,000 in calendar Q2, report the $2,000 net income performance in the income statement section for the Q2 report.\n\nQ: For line FC360 \\(Retained Earnings\\) in the Financial Condition section, should the prior quarter’s earnings be included in the balance sheet for quarterly reporting?\n:   A: Yes, aligned with the data definition for FC360, submitters would roll previous quarter’s earnings into the balance sheet for the quarterly reporting. This results in the profit and loss results being closed to the balance sheet on a quarterly basis for MSB Call Report reporting purposes.\n\nQ: For line FC380 \\(Shareholder Distribution\\) in the Financial Condition section, should it include dividends for the current quarter, year-to-date or life-to-date?\n:   A: Shareholder Distribution \\(FC380\\) is reported for the current quarter time period. All pre",
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        "General Questions {#section_aj4_12f_mgc .section}",
        "Financial Condition Section {#section_br2_1hf_mgc .section}",
        "Company-wide and State Level Transactions Sections {#section_xvp_gff_mgc .section}",
        "Permissible Investments Section {#section_pnb_h2f_mgc .section}"
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      "title": "MSB Call Report Frequently Asked Questions {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fca .concept}",
      "content": "Condition section, should it include dividends for the current quarter, year-to-date or life-to-date?\n:   A: Shareholder Distribution \\(FC380\\) is reported for the current quarter time period. All previous period shareholder distributions should be netted in the retained earnings field \\(FC360\\).\n\nQ: For line FC 480 \\(Other Income\\) I hold a check casher license, but also act as an agent for a licensed money transmitter. For reporting purposes in the Financial Condition section of the MSB Call Report, where would I report fee income from completing money transmission activity as an agent?\n:   A: Fee income that a check casher receives for being an agent of a licensed money transmitter should be reported on line FC480 \\(Other Income\\). Income from check cashing activity conducted under a check cashing license should be reported on line FC440 \\(Fee income from check cashing services\\).\n\nQ: What virtual currency assets should my company report in FC90 \\(Virtual currency \\(in U.S. Dollars\\)\\)?\n:   A: Companies should include all virtual currency assets in FC90 in compliance with SEC guidance. This includes virtual currency “custodial” accounts held on behalf of customers and virtual currency accounts held on behalf of the company.\n\nQ: Can my company’s outstanding virtual currency liability, FC230, be less than the virtual currency balance held on behalf of customers, PI140?\n:   A: No. The outstanding virtual currency liability \\(FC230\\) cannot be less than the virtual currency balance held on behalf of customers \\(PI140\\).\n\n## Company-wide and State Level Transactions Sections \n\nQ: Payment processing and bill paying transaction reporting requirements vary from state to state, how do I report these transactions on the MSB Call Report?\n:   A. Payment processing and bill paying transactions should be included in quantity and dollar volume reporting fields in the company-wide transaction reporting sections. In the state-specific transaction reporting sections, submitting en",
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        "General Questions {#section_aj4_12f_mgc .section}",
        "Financial Condition Section {#section_br2_1hf_mgc .section}",
        "Company-wide and State Level Transactions Sections {#section_xvp_gff_mgc .section}",
        "Permissible Investments Section {#section_pnb_h2f_mgc .section}"
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      "title": "MSB Call Report Frequently Asked Questions {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fca .concept}",
      "content": "g transactions should be included in quantity and dollar volume reporting fields in the company-wide transaction reporting sections. In the state-specific transaction reporting sections, submitting entities may adjust their transaction amounts based on the regulations specific to the state they are reporting to.\n\nQ: I hold a check casher license, but also act as an agent for a licensed money transmitter. For reporting purposes in the Transaction Activity sections of the MSB Call Report, do I report money transmission activity conducted under contract by a licensed money transmitter \\(principal\\)?\n:   A: Money transmission activity a check casher completes for being an agent of a licensed money transmitter should not be included in the report by the agent. Transaction activity from check cashing conducted under a check cashing license should be reported by the entity submitting the report.\n\nQ: In conducting check cashing services, in most states my company does not offer check cashing as a percentage fee. Instead, we charge a flat rate based on the face amount. What should we enter in Maximum Amount Charged for Check \\(ST140\\) for states where we charge a flat fee.\n:   A: For states where this is the case, determine the smallest check cashed during the period and the flat fee charged and calculate the percentage fee charged. For example, if the smallest check cashed is $10 and a $3 flat fee is charged, the maximum percentage charged for the quarter is 30%.\n\nQ: In a scenario where a VC company is holding both VC and cash on behalf of a customer, where do they report the cash liability? This scenario includes a fiat currency hosted wallet.\n:   A:\n\n    1.  The transaction that resulted in cash being held by the company on behalf of the customer should be reported under TA90, TA100, ST90 and ST100.\n    2.  Report the corresponding liability under FC220.\n    3.  Include liabilities for stored value in PI120.\n    4.  The company should also update their company record in N",
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        "General Questions {#section_aj4_12f_mgc .section}",
        "Financial Condition Section {#section_br2_1hf_mgc .section}",
        "Company-wide and State Level Transactions Sections {#section_xvp_gff_mgc .section}",
        "Permissible Investments Section {#section_pnb_h2f_mgc .section}"
      ],
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      "title": "MSB Call Report Frequently Asked Questions {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fca .concept}",
      "content": ", TA100, ST90 and ST100.\n    2.  Report the corresponding liability under FC220.\n    3.  Include liabilities for stored value in PI120.\n    4.  The company should also update their company record in NMLS to indicate they perform the activity of issuing stored value.\n\nQ: What is an exchange transaction?\n:   A: An exchange transaction is a two-party transaction between one customer and a platform. The term exchange does not refer to the reporting entity's platform or business model.\n\nQ: What is a facilitated exchange transaction?\n:   A: Facilitated exchange transactions only include peer-to-peer activity and shall not include transactions where the reporting entity is the buyer or seller or where a party moves funds between two accounts owned by said party.\n\nQ: What is a transmission that is not an exchange transaction?\n:   A: A transmission is a one-way transaction involving only a sender and receiver. These are transmissions to another wallet, not owned by the customer initiating the transaction.\n\nQ: Should companies report virtual currency to/from all fiat currency facilitated exchange transactions in ST280, ST290, TA280, and TA290?\n:   A: Yes, companies should report virtual currency to/from USD and to/from all other fiat currency facilitated exchange transactions in ST280, ST290, TA280, and TA290.\n\nQ: When does a reporting entity maintain control of a customer’s virtual currency asset?\n:   A: A reporting entity maintains control of the customer’s virtual currency assets when the entity conducts custodial services for the customer and/or has the ability to direct the customer’s assets, either directly or indirectly. If a customer has unilateral control over the virtual currency through a private wallet, the reporting entity would not have control. However, the reporting entity’s use of a sub-custodian does not eliminate the reporting responsibility of the entity or its liability to the consumer because the reporting entity is responsible to the consumer for the vi",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_FAQs.md",
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      "headings": [
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        "General Questions {#section_aj4_12f_mgc .section}",
        "Financial Condition Section {#section_br2_1hf_mgc .section}",
        "Company-wide and State Level Transactions Sections {#section_xvp_gff_mgc .section}",
        "Permissible Investments Section {#section_pnb_h2f_mgc .section}"
      ],
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      "id": "maps/NMLS/licensing/msbCR/topics/msbCR_FAQs.md:chunk-5",
      "title": "MSB Call Report Frequently Asked Questions {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fca .concept}",
      "content": "ng entity’s use of a sub-custodian does not eliminate the reporting responsibility of the entity or its liability to the consumer because the reporting entity is responsible to the consumer for the virtual currency that is stored.\n\nQ: If a licensee holds a bond for money transmission activity and a separate bond for stored value activity, how should they report the ADTL in ST361 and surety bond amount in ST360?\n:   A: The licensee should calculate a combined ADTL for these activities in ST361. The bond amounts should be added for ST360. Do not include bonds for currency exchange or check cashing since there is no associated liability or need for permissible investments.\n\nQ: What activities should be included in the ADTL in ST361?\n:   A: The ADTL should include any monies received that have not been paid for money transmission, stored value, and payment instrument activity. In states that also regulate virtual currency, the ADTL should also include any monies received that have not been paid for related to virtual currency activity. This should be the daily average for the sum of FC200, FC210, and FC220 in states that do not regulate virtual currency under their money transmission laws. In states that regulate virtual currency under their money transmission laws, this should be the daily average for the sum of FC200, FC210, FC220, and FC230. For the full definition of the ADTL, see Section 2.01\\(u\\) of the **Money Transmission Modernization Act**.\n\n## Permissible Investments Section \n\nQ: What activity should be included in the Average Daily Outstanding Transmission Liability \\(ADTL\\) calculation?\n:   A: For purposes of determining Average Daily Outstanding Transmission Liability \\(ADTL\\), “money transmissions” is intended to include any money transmission activity conducted under the company’s license, including sales of monetary instruments if applicable, and the outstanding liability calculation should include any outstanding payment instruments as well as any othe",
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        "General Questions {#section_aj4_12f_mgc .section}",
        "Financial Condition Section {#section_br2_1hf_mgc .section}",
        "Company-wide and State Level Transactions Sections {#section_xvp_gff_mgc .section}",
        "Permissible Investments Section {#section_pnb_h2f_mgc .section}"
      ],
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      "title": "MSB Call Report Frequently Asked Questions {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fca .concept}",
      "content": "ted under the company’s license, including sales of monetary instruments if applicable, and the outstanding liability calculation should include any outstanding payment instruments as well as any other money transmission liabilities to customers.\n\nQ: How should I calculate Average Daily Outstanding Transmission Liability \\(ADTL\\)?\n:   A: Average Daily Outstanding Transmission Liability \\(ADTL\\) is defined as the average sum of the daily amounts of a licensee's total outstanding money transmissions, as calculated each day of the quarter divided by the number of days in the quarter. This amount shall include company-wide foreign and domestic transactions.\n\nQ: For line PI60 \\(Due from Agents\\) in the Permissible Investments section, what aging should we use since states have differing requirements. Also is the expectation that this number would align with FC20 \\(Due from Agents\\) on the Financial Condition section?\n:   A: In general, PI60 is expected to agree with the FC20 value reported. Companies may choose to provide a more conservative figure \\(based on a stricter state requirement being followed\\). The explanatory notes in the Permissible Investments section can be used to explain any variance in the reporting between PI60 and FC20. The materiality of the variance in state allowances for this item will vary depending on the company and the states in which the company is licensed in.\n\nQ: What business activity should be included in the Total Outstanding Transmission Liability \\(PI120\\)?\n:   A: For purposes of determining total outstanding transmission liability, the figure should include transmission liability for any money transmission activity conducted under the company’s license, including sales of monetary instruments and stored value if applicable.\n\n**Parent topic:**Money Services Businesses \\(MSB\\) Call Report",
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        "General Questions {#section_aj4_12f_mgc .section}",
        "Financial Condition Section {#section_br2_1hf_mgc .section}",
        "Company-wide and State Level Transactions Sections {#section_xvp_gff_mgc .section}",
        "Permissible Investments Section {#section_pnb_h2f_mgc .section}"
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      "title": "MSB Call Report Frequently Asked Questions {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fca .concept}",
      "content": "c:**Money Services Businesses \\(MSB\\) Call Report",
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        "General Questions {#section_aj4_12f_mgc .section}",
        "Financial Condition Section {#section_br2_1hf_mgc .section}",
        "Company-wide and State Level Transactions Sections {#section_xvp_gff_mgc .section}",
        "Permissible Investments Section {#section_pnb_h2f_mgc .section}"
      ],
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      "title": "MSB Call Report Financial Condition {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fd5 .concept}",
      "content": "# MSB Call Report Financial Condition \n\n## Accordance with GAAP \n\nUnless otherwise directed in the NMLS MSB Call Report Sections and Definitions, the report requires licensees to present their financial condition as follows:\n\n1.  In accordance with U.S. generally accepted accounting principles \\(GAAP\\) unless as directed in the MSB Call Report Field Definitions; and\n2.  In U.S. Dollars.\n\nVirtual currency valuation must be in U.S. Dollars and should be based on a generally accepted exchange rate and the licensee, when requested, should be able to document and substantiate how they arrived at the valuation.\n\n## Consolidated Financial Information \n\nThe financial information provided in the Financial Condition Report \\(Section I\\) of the NMLS MSB Call Report must be reflective of the licensee’s activities and is only required to be completed once per licensee per calendar year quarter. The financial statements must be consolidated at the licensee level. Financial condition information shall include consolidated financial data for the licensee submitting the report inclusive of its subsidiaries, in accordance with GAAP consolidation rules. Consolidated financial information at the parent level or that contains parent company financial information is not acceptable for the NMLS MSB Call Report.\n\n## Audited Financial Statements \n\nIn adopting states, companies that, under state laws or regulations, are required to submit a self-prepared financial statement as part of maintaining a money services business license or registration may use the NMLS MSB Call Report to meet this requirement. Companies that are required to submit a Compiled, Reviewed, or Audited financial statement must continue to submit these financial statements through the existing financial statements functionality in NMLS in addition to the NMLS MSB Call Report.\n\n**Parent topic:**MSBCR Overview and Definitions",
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        "Accordance with GAAP {#section_ulj_nsy_lgc .section}",
        "Consolidated Financial Information {#section_egl_dvy_lgc .section}",
        "Audited Financial Statements {#section_bmz_fvy_lgc .section}"
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      "title": "MSB Call Report: Add a State to the Filing {#xd_df7df97c574be4a7--2013d503-199008abe28--7ff4 .task}",
      "content": "# MSB Call Report: Add a State to the Filing \n\nIt is possible to upload multiple states at once through the MSB Call Report XML or CSV upload process. It is also possible to manually add states to the ST section.\n\n1.  Select the **Add New ST** button on the MSB Call Report Sections page.\n\n2.  Choose the desired state from the dropdown menu and select the **Add State** button.\n\n3.  Select the **Continue** button.\n\n    **Note:** Only add ST information for states where you are licensed to perform money services businesses. You may need to update your **Company Form \\(MU1\\)**.\n\n4.  Enter relevant values in fields **ST10** through **ST250**.\n\n    **Note:** Use the **Fill Blank Fields with Zero** button to fill in any fields that do not apply to the submission.\n\n5.  Select the **Save and Move to Next** button.\n\n6.  Enter any necessary comments in the **Comments \\(Optional\\)** field and select **Save and Move to Next**.\n\n    Any warnings will display on the Completeness Check and Warnings page.\n\n7.  Resolve any warnings and select the **Return to MSB Call Report Sections** button.\n\n**Parent topic:**MSB Call Report: Creating a Filing\n\n**Previous topic:**MSB Call Report: Upload Filing as XML or CSV\n\n**Next topic:**MSB Call Report: Mark Sections Ready to Submit",
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      "title": "MSB Call Report: Mark Sections Ready to Submit {#xd_df7df97c574be4a7--2013d503-199008abe28--7ff3 .task}",
      "content": "# MSB Call Report: Mark Sections Ready to Submit \n\nEach section, including sections without any business activity during the quarter, must be marked ready before the MSB Call Report can be submitted. Users can view, edit, or delete any section prior to submission on the MSB Call Report Sections page.\n\n1.  Select the **Edit** icon next to the desired section on the MSB Call Report Sections page.\n\n2.  Review data accuracy then select **Save and Move to Next** to proceed through each section.\n\n3.  Resolve any completeness checks or warnings on the Completeness Check page.\n\n    **Note:** Completeness checks prevent marking a section as `Ready to Submit`. Warnings do not prevent marking a section as `Ready to Submit` but require an explanatory note. For an explanation of all completeness checks, warnings, and errors, refer to **MSB Call Report Completeness Checks and Warnings**.\n\n4.  Select the **Mark as Ready to Submit** button.\n\n    This changes the section status on the View MSB Call Report Sections page to `Ready to Submit` with a green thumbs up icon.\n\n5.  Repeat Steps 1–4 until every section is in a `Ready to Submit` status.\n\n    **Tip:** Select the **Mark All as Ready** button to mark all State-specific Transactions \\(ST\\) sections and State Transactions Destination Country Detail \\(TD-B\\) sections with no completeness checks/data warnings as `Ready to Submit` without navigating to each ST/TD B filing.\n\n**Parent topic:**MSB Call Report: Creating a Filing\n\n**Previous topic:**MSB Call Report: Add a State to the Filing\n\n**Next topic:**Submit the MSB Call Report",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_Report_MarkSectionsReady.md",
      "relative_path": "maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_Report_MarkSectionsReady.md",
      "headings": [
        "MSB Call Report: Mark Sections Ready to Submit {#xd_df7df97c574be4a7--2013d503-199008abe28--7ff3 .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/msbCR/topics/msbCR_Report_MarkSectionsReady.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/msbCR/topics/msbCR_Report_create.md:chunk-0",
      "title": "Creating an MSB Call Report Filing {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fc8 .task}",
      "content": "# Creating an MSB Call Report Filing \n\nCreate a new call report filing so you can either upload or manually enter the data.\n\n1.  Navigate to the NMLS Login page.\n\n    -   State context.\n    -   Federal context.\n2.  Log in to your NMLS account.\n\n3.  Select the **Filing** tab.\n\n4.  Select the **Call Reports** button.\n\n5.  Select **MSB Call Report**.\n\n6.  Select **Create New MSB Call Report**.\n\n7.  Select the desired year and period.\n\n8.  Select the **Upload via CSV or XML** button.\n\n    **Note:** For manual entry, select the **Create or Edit \\(Manual Entry\\)** button. Please refer to the MSB Call Report practice worksheet \\(see MSB Call Report supporting files\\) and NMLS MSB Call Report Sections and Definitions for assistance when completing a filing.\n\nProceed to MSB Call Report: Upload Filing as XML or CSV or enter the data manually as appropriate.\n\n**Parent topic:**MSB Call Report: Creating a Filing\n\n**Previous topic:**MSB Call Report: Creating a Filing\n\n**Next topic:**MSB Call Report: Upload Filing as XML or CSV",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_Report_create.md",
      "relative_path": "maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_Report_create.md",
      "headings": [
        "Creating an MSB Call Report Filing {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fc8 .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/msbCR/topics/msbCR_Report_create.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/msbCR/topics/msbCR_Report_submitting.md:chunk-0",
      "title": "Submit the MSB Call Report {#xd_df7df97c574be4a7--2013d503-199008abe28--7ff2 .task}",
      "content": "# Submit the MSB Call Report \n\nA completeness check for the entire MSB Call Report is required prior to submission.\n\n1.  Select the **Completeness Check and Submit** button on the bottom of the MSB Call Report Sections page, note any System-generated messages.\n\n    See **MSB Call Report: Managing Completeness Checks and Warnings** and **MSB Call Report Completeness Checks and Warnings** for instructions to resolve, and detailed explanations respectively.\n\n2.  Resolve all completeness checks.\n\n    **Note:** Select the **Preview MSB Call Report Submission** link prior to submitting the MSB Call Report to preview the complete MSB Call Report on one page.\n\n3.  Select the attestation checkbox then select the **Attest and Submit** button.\n\nThe MSB Call Report is placed into a `Processed` status. To amend a processed MSB Call Report, refer to MSB Call Report: Amending a Submitted Report.\n\n**Parent topic:**MSB Call Report: Creating a Filing\n\n**Previous topic:**MSB Call Report: Mark Sections Ready to Submit\n\n**Next topic:**MSB Call Report: Managing Completeness Checks and Warnings",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_Report_submitting.md",
      "relative_path": "maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_Report_submitting.md",
      "headings": [
        "Submit the MSB Call Report {#xd_df7df97c574be4a7--2013d503-199008abe28--7ff2 .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/msbCR/topics/msbCR_Report_submitting.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/msbCR/topics/msbCR_XMLspecs.md:chunk-0",
      "title": "MSB Call Report XML Specification {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fdc .reference}",
      "content": "# MSB Call Report XML Specification \n\n​​NMLS provides industry users with the ability to submit an MSB Call Report filing either through manual data entry within NMLS, through a CSV template upload for each section, or through an upload of a properly formatted XML file to NMLS.\n\nThe MSB Call Report XML upload feature provides a streamlined option for creating an MSB Call Report filing for those companies that are able to extract MSB Call Report information from their internal systems. The upload feature may be used to create an initial MSB Call Report filing, change information on a pending filing or amend information on a previously-submitted MSB Call Report filing.\n\n## MSB Call Report Form Version 4​ XML File Specifications \n\nMSB Call Report XML Specification - Provides detailed information about the MSBCR XML file, including the MSB XML schema.\n\n## MSB Call Report Form Version 4 Other XML Upload Related ​​​Resources \n\nMSB Call Report Sample XML\n\nMSB Call Report XML Schema\n\nData Specification File\n\n## MSB Call Report Form Version 3​ XML File Specifications \n\nMSB Call Report XML Specification - Provides detailed information about the MSBCR XML file, including the MSB XML schema.\n\n## MSB Call Report Form Version 3 Other XML Upload Related ​​​Resources \n\nMSB Call Report Sample XML\n\nMSB Call Report XML Schema\n\nData Specification File​​​​​\n\n## MSB Call Report Form Version 2 XML File Specifications \n\nMSB Call Report XML Specification - Provides detailed information about the MSBCR XML file, including the MSB XML schema.\n\n## MSB Call Report Form Version 2 Other XML Upload Related Resources \n\nMSB Call Report Sample XML\n\nMSB Call Report XML Schema\n\nData Specification File\n\n## MSB CR XML Specifcation Frequently Asked Questions \n\nWill you offer manual input or a data upload option for the NMLS MSB Call Report \\(MSBCR\\)?\n:   NMLS offers both the manual input and data upload options. The two options are complementary to each other. This means the user has the ability to upload",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_XMLspecs.md",
      "relative_path": "maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_XMLspecs.md",
      "headings": [
        "MSB Call Report XML Specification {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fdc .reference}",
        "MSB Call Report Form Version 4​ XML File Specifications {#section_pqm_4rt_lgc .section}",
        "MSB Call Report Form Version 4 Other XML Upload Related ​​​Resources {#section_sxw_wrt_lgc .section}",
        "MSB Call Report Form Version 3​ XML File Specifications {#section_k3y_tpv_lgc .section}",
        "MSB Call Report Form Version 3 Other XML Upload Related ​​​Resources {#section_yjl_fqv_lgc .section}",
        "MSB Call Report Form Version 2 XML File Specifications {#section_vgf_3qv_lgc .section}",
        "MSB Call Report Form Version 2 Other XML Upload Related Resources {#section_urk_jqv_lgc .section}",
        "MSB CR XML Specifcation Frequently Asked Questions {#section_tny_3rt_lgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/msbCR/topics/msbCR_XMLspecs.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/msbCR/topics/msbCR_XMLspecs.md:chunk-1",
      "title": "MSB Call Report XML Specification {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fdc .reference}",
      "content": "on for the NMLS MSB Call Report \\(MSBCR\\)?\n:   NMLS offers both the manual input and data upload options. The two options are complementary to each other. This means the user has the ability to upload data and subsequently manually enter or correct data before submitting the filing.\n\n    The data upload feature utilizes XML. A first draft of the MSB Call Report-XML was made available on the NMLS Resource Center in November 2016, and the final version will be released by December 23, 2016. The MSB Call Report-XML format provides a means to file the MSBCR without requiring manual data entry. The organization filing the MSBCR will have the option to extract the data from their internal systems, format to the MSBCR-XML format, and upload the file to NMLS as part of their MSBCR filing. Regardless of the feature used to populate the MSBCR and similar to other filings, the user will need to run completeness checks, attest, and submit the MSBCR through NMLS.\n\nWill the user be able to automatically upload the data to NMLS?\n:   No. The user providing the MSBCR XML file must log into NMLS and manually start the MSBCR filing. The MSBCR XML file has to be manually uploaded to NMLS by browsing to the file that is stored on the user accessible file system and then uploading the file. Afterwards, the user will have to complete the filing. Regardless of the feature used to populate the MSBCR and similar to other filings, the user will need to run completeness checks, attest, and submit the MSBCR through NMLS.\n\nWill the user be able to upload data from multiple systems that each contain their own parts of the data? Or will the customer need to submit all data at once?\n:   The user will be able to upload multiple MSBCR XML files that are used to complete one MSBCR filing. The user will also be able to manually enter data in the NMLS before and after the MSBCR XML upload as another means to complete the MSBCR filing. Please note that data that coincides between multiple files will resu",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_XMLspecs.md",
      "relative_path": "maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_XMLspecs.md",
      "headings": [
        "MSB Call Report XML Specification {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fdc .reference}",
        "MSB Call Report Form Version 4​ XML File Specifications {#section_pqm_4rt_lgc .section}",
        "MSB Call Report Form Version 4 Other XML Upload Related ​​​Resources {#section_sxw_wrt_lgc .section}",
        "MSB Call Report Form Version 3​ XML File Specifications {#section_k3y_tpv_lgc .section}",
        "MSB Call Report Form Version 3 Other XML Upload Related ​​​Resources {#section_yjl_fqv_lgc .section}",
        "MSB Call Report Form Version 2 XML File Specifications {#section_vgf_3qv_lgc .section}",
        "MSB Call Report Form Version 2 Other XML Upload Related Resources {#section_urk_jqv_lgc .section}",
        "MSB CR XML Specifcation Frequently Asked Questions {#section_tny_3rt_lgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/msbCR/topics/msbCR_XMLspecs.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/msbCR/topics/msbCR_XMLspecs.md:chunk-2",
      "title": "MSB Call Report XML Specification {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fdc .reference}",
      "content": "so be able to manually enter data in the NMLS before and after the MSBCR XML upload as another means to complete the MSBCR filing. Please note that data that coincides between multiple files will result in the prior information being overwritten by the subsequent information. If the subsequent upload occurs after the filing has been submitted it will create an amendment to the submitted filing.\n\n**Parent topic:**CSV and XML Specifications",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_XMLspecs.md",
      "relative_path": "maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_XMLspecs.md",
      "headings": [
        "MSB Call Report XML Specification {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fdc .reference}",
        "MSB Call Report Form Version 4​ XML File Specifications {#section_pqm_4rt_lgc .section}",
        "MSB Call Report Form Version 4 Other XML Upload Related ​​​Resources {#section_sxw_wrt_lgc .section}",
        "MSB Call Report Form Version 3​ XML File Specifications {#section_k3y_tpv_lgc .section}",
        "MSB Call Report Form Version 3 Other XML Upload Related ​​​Resources {#section_yjl_fqv_lgc .section}",
        "MSB Call Report Form Version 2 XML File Specifications {#section_vgf_3qv_lgc .section}",
        "MSB Call Report Form Version 2 Other XML Upload Related Resources {#section_urk_jqv_lgc .section}",
        "MSB CR XML Specifcation Frequently Asked Questions {#section_tny_3rt_lgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/msbCR/topics/msbCR_XMLspecs.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/msbCR/topics/msbCR_adjustments.md:chunk-0",
      "title": "Adjustments of Submitted MSB Call Reports {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fd6 .concept}",
      "content": "# Adjustments of Submitted MSB Call Reports \n\nLicensees are permitted to revise previously submitted quarterly reports up to 24 months after the report is submitted.\n\nAny adjustment in a previous quarter should be reported as a correction to that quarter. This is the same functionality that is available with the NMLS Mortgage Call Report and addresses the need for revisions and adjustments to quarterly reports submitted by licensees.\n\n**Parent topic:**MSBCR Overview and Definitions",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_adjustments.md",
      "relative_path": "maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_adjustments.md",
      "headings": [
        "Adjustments of Submitted MSB Call Reports {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fd6 .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/msbCR/topics/msbCR_adjustments.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/msbCR/topics/msbCR_callReportSectionsDefitions.md:chunk-0",
      "title": "NMLS MSB Call Report Sections and Definitions {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fd2 .reference}",
      "content": "# NMLS MSB Call Report Sections and Definitions \n\nDetailed descriptions and instructions for the sections and fields of the Money Services Businessess Call Report.\n\n-   **MSB Call Report Section I: Financial Condition Report**  \nDescriptions and instructions for data fields FC10 to FC680.\n-   **MSB Call Report Section II \\(a\\): Company-Wide Transactions Detail**  \nDescriptions and instructions for data fields TA10 to TA350.\n-   **MSB Call Report Section II \\(b\\): State Transaction Detail**  \nDescriptions and instructions for data fields ST10 to ST362.\n-   **MSB Call Report Section III: Permissible Investments Report**  \nDescriptions and instructions for data fields PI10 to PI180.\n-   **MSB Call Report Section IV \\(a\\): Company-Wide Transactions Destination Country Detail**  \nThis section is Submitted in the Q4 Report only. Descriptions and instructions for data field TD-A.\n-   **MSB Call Report Section IV\\(b\\): State Transactions Destination Country Detail**  \nThis section is submitted in the Q4 Report only. Descriptions and instructions for data field TD-B.\n\n**Parent topic:**Money Services Businesses \\(MSB\\) Call Report",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_callReportSectionsDefitions.md",
      "relative_path": "maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_callReportSectionsDefitions.md",
      "headings": [
        "NMLS MSB Call Report Sections and Definitions {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fd2 .reference}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/msbCR/topics/msbCR_callReportSectionsDefitions.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/msbCR/topics/msbCR_completeCheck_CSV_validation.md:chunk-0",
      "title": "Upload CSV Validation Messages {#xd_df7df97c574be4a7--2013d503-199008abe28--7ff8 .reference}",
      "content": "# Upload CSV Validation Messages \n\nMSB Call Report CSV validation messages.\n\nThe following validations apply to the validation performed on CSV files only. In the following text “\\{0\\}” represents the row number where the error occurred.\n\n-   An empty field name was given in row \\{0\\}.\n-   A state must be provided for \\{0\\}.\n-   \\{0\\} is not a valid state code.\n-   \\{0\\} is not a valid field name; must start with FC, ST, TA or PI.\n-   A value for \\{0\\} was already been provided in the upload.\n-   The value for \\{0\\} is not a valid numeric.\n-   \\{0\\}: The value must be a whole dollar amount greater than or equal to zero.\n-   \\{0\\}: The value must be a whole dollar amount of any value.\n-   \\{0\\}: The value must be an integer greater than or equal to zero.\n-   \\{0\\}: The value must be a number \\(representing a percentage\\) with two decimal places.\n-   \\{0\\}: The value must be a number with two decimal places.\n-   \\{0\\} filing is not in an editable status\n\n**Parent topic:**MSB Call Report Completeness Checks and Warnings",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_completeCheck_CSV_validation.md",
      "relative_path": "maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_completeCheck_CSV_validation.md",
      "headings": [
        "Upload CSV Validation Messages {#xd_df7df97c574be4a7--2013d503-199008abe28--7ff8 .reference}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/msbCR/topics/msbCR_completeCheck_CSV_validation.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/msbCR/topics/msbCR_completeCheck_FC.md:chunk-0",
      "title": "Financial Condition Completeness Checks and Warnings {#xd_df7df97c574be4a7--2013d503-199008abe28--7ffd .reference}",
      "content": "# Financial Condition Completeness Checks and Warnings \n\nMSB Call Report Completeness Checks and Warnings for the Financial Condition section.\n\n## Completeness Checks \n\n-   Values are missing for one or more highlighted fields in this section.\n-   An explanatory note must be provided if Other current assets \\(FC 100\\) exceeds 20% of Total current assets \\(FC 110\\). You may also upload a supporting document if necessary. Once resolved, return to the Completeness Checks and Warning page to confirm this warning has been cleared.\n-   An explanatory note must be provided if Other assets \\(FC 150\\) exceeds 20% of Total assets \\(FC 160\\). You may also upload a supporting document if necessary. Once resolved, return to the Completeness Checks and Warning page to confirm this warning has been cleared.\n-   An explanatory note must be provided if Other current liabilities \\(FC 240\\) exceeds 20% of Total current liabilities \\(FC 250\\). You may also upload a supporting document if necessary. Once resolved, return to the Completeness Checks and Warning page to confirm this warning has been cleared.\n-   An explanatory note must be provided if Other liabilities \\(FC 270\\) exceeds 20% of Total liabilities \\(FC 280\\). You may also upload a supporting document if necessary. Once resolved, return to the Completeness Checks and Warning page to confirm this warning has been cleared.\n-   An explanatory note must be provided if Other income \\(FC 480\\) exceeds 20% of Total revenue \\(FC 490\\). You may also upload a supporting document if necessary. Once resolved, return to the Completeness Checks and Warning page to confirm this warning has been cleared.\n-   An explanatory note must be provided if Other expenses \\(FC 590\\) exceeds 20% of Total expenses \\(FC 600\\). You may also upload a supporting document if necessary. Once resolved, return to the Completeness Checks and Warning page to confirm this warning has been cleared.\n-   You must provide an explanatory note if Outstanding virtual cur",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_completeCheck_FC.md",
      "relative_path": "maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_completeCheck_FC.md",
      "headings": [
        "Financial Condition Completeness Checks and Warnings {#xd_df7df97c574be4a7--2013d503-199008abe28--7ffd .reference}",
        "Completeness Checks {#section_sjh_23s_gtb .section}",
        "Warnings {#section_wjd_2c5_mgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/msbCR/topics/msbCR_completeCheck_FC.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/msbCR/topics/msbCR_completeCheck_FC.md:chunk-1",
      "title": "Financial Condition Completeness Checks and Warnings {#xd_df7df97c574be4a7--2013d503-199008abe28--7ffd .reference}",
      "content": "g document if necessary. Once resolved, return to the Completeness Checks and Warning page to confirm this warning has been cleared.\n-   You must provide an explanatory note if Outstanding virtual currency liability \\(FC 230\\) provided in Financial Condition section is not equal to the Outstanding virtual currency liability \\(PI 180\\) in the Permissible Investments section.\n-   You must provide an explanatory note if Total assets \\(FC160\\) is not equal to Total liabilities and shareholder’s equity \\(FC400\\).\n\n## Warnings \n\n-   Other current assets \\(FC 100\\) exceeds 20% of Total current assets \\(FC 110\\).\n-   Other assets \\(FC 150\\) exceeds 20% of Total assets \\(FC 160\\).\n-   Other current liabilities \\(FC 240\\) exceeds 20% of Total current liabilities \\(FC 250\\).\n-   Other liabilities \\(FC 270\\) exceeds 20% of Total liabilities \\(FC 280\\).\n-   Other income \\(FC 480\\) exceeds 20% of Total revenue \\(FC 490\\).\n-   Other expenses \\(FC 590\\) exceeds 20% of Total expenses \\(FC 600\\).\n-   Total assets \\(FC160\\) is not equal to Total liabilities and shareholder’s equity \\(FC400\\).\n-   Outstanding virtual currency liability \\(FC 230\\) provided in the Financial Condition section is not equal to the Outstanding virtual currency liability \\(PI 180\\) in the Permissible Investments section.\n\n**Parent topic:**MSB Call Report Completeness Checks and Warnings",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_completeCheck_FC.md",
      "relative_path": "maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_completeCheck_FC.md",
      "headings": [
        "Financial Condition Completeness Checks and Warnings {#xd_df7df97c574be4a7--2013d503-199008abe28--7ffd .reference}",
        "Completeness Checks {#section_sjh_23s_gtb .section}",
        "Warnings {#section_wjd_2c5_mgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/msbCR/topics/msbCR_completeCheck_FC.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/msbCR/topics/msbCR_completeCheck_PI.md:chunk-0",
      "title": "Permissible Investments \\(PI\\) Completeness Checks and Warnings {#xd_df7df97c574be4a7--2013d503-199008abe28--7ffb .reference}",
      "content": "# Permissible Investments \\(PI\\) Completeness Checks and Warnings \n\nMSB Call Report Completeness Checks and Warnings for the Permissible Investments \\(PI\\) section.\n\n## Completeness Checks \n\n-   Values are missing for one or more highlighted fields in this section.\n-   You must provide an explanatory note if Other investments \\(PI 100\\) exceeds 20% of Subtotal for permissible investment calculation \\(PI 105\\). You may also upload a supporting document if necessary. Once resolved, return to the Completeness Checks and Warning page to confirm this warning has been cleared.\n-   You must provide an explanatory note if Other investments \\(in U.S. dollars\\) \\(PI 160\\) exceeds 20% of Total VC coverage \\(PI 170\\). You may also upload a supporting document if necessary. Once resolved, return to the Completeness Checks and Warning page to confirm this warning has been cleared.\n-   You must provide an explanatory note if Outstanding Virtual Currency Liability \\(FC230\\) provided in the Financial Condition section is not equal to the Outstanding Virtual Currency Liability \\(PI180\\) in the Permissible Investments section.\n-   You must provide an explanatory note when a data warning indicates that your company has reported activity that was not identified in the Business Activities section on the **Company Form \\(MU1\\)**.\n\n## Warnings \n\n-   Other Investments \\(PI 100\\) exceeds 20% of Permissible Investment subtotal \\(PI 105\\)\n-   Other investments \\(in U.S. dollars\\) \\(PI 160\\) exceeds 20% of Total VC coverage \\(PI 170\\).\n-   You must provide an explanatory note if Outstanding Virtual Currency Liability \\(FC 230\\) provided in the Financial Conditionn section is not equal to the Outstanding Virtual Currency Liability \\(PI 180\\) in the Permissible Investments section.\n-   The following PI sections indicate the company conducted an activity that was not identified in the Business Activities section on the **Company Form \\(MU1\\)** during the reported quarter. Review the **Company Form",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_completeCheck_PI.md",
      "relative_path": "maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_completeCheck_PI.md",
      "headings": [
        "Permissible Investments \\(PI\\) Completeness Checks and Warnings {#xd_df7df97c574be4a7--2013d503-199008abe28--7ffb .reference}",
        "Completeness Checks {#section_sjh_23s_gtb .section}",
        "Warnings {#section_nny_x55_mgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/msbCR/topics/msbCR_completeCheck_PI.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/msbCR/topics/msbCR_completeCheck_PI.md:chunk-1",
      "title": "Permissible Investments \\(PI\\) Completeness Checks and Warnings {#xd_df7df97c574be4a7--2013d503-199008abe28--7ffb .reference}",
      "content": "PI sections indicate the company conducted an activity that was not identified in the Business Activities section on the **Company Form \\(MU1\\)** during the reported quarter. Review the **Company Form \\(MU1\\)** to confirm it accurately reflects activities completed by the company.\n    1.  Name of PI Section\n    2.  Name of PI Section\n    3.  Name of PI Section…\n\n**Parent topic:**MSB Call Report Completeness Checks and Warnings",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_completeCheck_PI.md",
      "relative_path": "maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_completeCheck_PI.md",
      "headings": [
        "Permissible Investments \\(PI\\) Completeness Checks and Warnings {#xd_df7df97c574be4a7--2013d503-199008abe28--7ffb .reference}",
        "Completeness Checks {#section_sjh_23s_gtb .section}",
        "Warnings {#section_nny_x55_mgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/msbCR/topics/msbCR_completeCheck_PI.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/msbCR/topics/msbCR_completeCheck_TA_ST.md:chunk-0",
      "title": "Company-wide \\(TA\\) and State Transactions \\(ST\\) Completeness Checks and Warnings {#xd_df7df97c574be4a7--2013d503-199008abe28--7ffc .reference}",
      "content": "# Company-wide \\(TA\\) and State Transactions \\(ST\\) Completeness Checks and Warnings \n\nMSB Call Report Completeness Checks and Warnings for the Company-wide \\(TA\\) and State Transactions \\(ST\\) sections.\n\n## Completeness Checks \n\n-   Values are missing for one or more highlighted fields in this section.\n-   One or more highlighted fields in this section have state-level values greater than the corresponding company-level values.\n-   You must provide an explanatory note because the following amounts are less than the corresponding counts.\n    -   Amount `` \\(actual value\\), Count `` \\(actual value\\)\n-   You must provide an explanatory note because the following amounts are less than the corresponding counts.\n    -   Amount `` \\(actual value\\), Count `` \\(actual value\\)\n-   You must provide an explanatory note because the following amounts are less than the corresponding counts.\n    -   Amount `` \\(actual value\\), Count `` \\(actual value\\)\n-   One or more highlighted fields in this section have an amount value, but the corresponding count value is zero.\n-   One or more highlighted fields in this section have a count value, but the corresponding amount value is zero.\n-   The Company-wide Transaction Destination Country Detail section \\(TD-A\\) cannot be submitted because your company has not indicated any foreign transactions in the Company-wide Transaction section line TA 30 \\(Total \\# of transactions from U.S. states and territories to foreign countries\\).\n-   `` Transactions Destination \\(TD-B\\) cannot be submitted because your company has not indicated any foreign transactions in the `` Transactions section line ST 30 \\(\\# of transmission transactions from in-state to Foreign Countries\\).\n-   One or more highlighted fields in this section have state-level values greater than the corresponding company-level values In the Company-wide Transaction Destination Country Detail \\(TD-A\\) section.\n-   For the field\\(s\\) listed below, the transaction count is higher than the ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_completeCheck_TA_ST.md",
      "relative_path": "maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_completeCheck_TA_ST.md",
      "headings": [
        "Company-wide \\(TA\\) and State Transactions \\(ST\\) Completeness Checks and Warnings {#xd_df7df97c574be4a7--2013d503-199008abe28--7ffc .reference}",
        "Completeness Checks {#section_sjh_23s_gtb .section}",
        "Warnings {#section_ugb_wk5_mgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/msbCR/topics/msbCR_completeCheck_TA_ST.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/msbCR/topics/msbCR_completeCheck_TA_ST.md:chunk-1",
      "title": "Company-wide \\(TA\\) and State Transactions \\(ST\\) Completeness Checks and Warnings {#xd_df7df97c574be4a7--2013d503-199008abe28--7ffc .reference}",
      "content": " than the corresponding company-level values In the Company-wide Transaction Destination Country Detail \\(TD-A\\) section.\n-   For the field\\(s\\) listed below, the transaction count is higher than the dollar amount. Please confirm for accuracy. If correct, you must provide an explanatory note.\n    -   \\(``\\), Amount \\(``\\), Count \\(``\\)\n-   One or more highlighted countries in this section are not reported in the Company-wide Transaction Destination Country Detail \\(TD-A\\).\n-   The country listed below is included in your State Transactions Destination Country Detail \\(TD-B\\), but not in your Company-wide Transaction Destination Country Detail \\(TD-A\\).\n    -   ``-``\n-   At least one country must be included as part of the filing submission.\n-   You must provide an amount and count for each country added in this section. If added in error, please remove the country.\n-   Country name missing. Please add a country to the highlighted field.\n-   You must provide an explanatory note because the following TA sections indicate the company conducted an activity that was not identified in the Business Activities section on the **Company Form \\(MU1\\)** during the reported quarter. Review the **Company Form \\(MU1\\)** to confirm it accurately reflects activities completed by the company.\n    1.  Name of TA Section\n    2.  Name of TA Section\n    3.  Name of TA Section...\n-   You must provide an explanatory note because the following ST sections indicate the company conducted an activity that was not identified in the Business Activities section on the **Company Form \\(MU1\\)** during the reported quarter. Review the **Company Form \\(MU1\\)** to confirm it accurately reflects activities completed by the company.\n    1.  Name of ST Section\n    2.  Name of ST Section\n    3.  Name of ST Section…\n\n## Warnings \n\n-   You must provide an explanatory note because the following TA sections indicate the company conducted an activity that was not identified in the Business Activities section o",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_completeCheck_TA_ST.md",
      "relative_path": "maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_completeCheck_TA_ST.md",
      "headings": [
        "Company-wide \\(TA\\) and State Transactions \\(ST\\) Completeness Checks and Warnings {#xd_df7df97c574be4a7--2013d503-199008abe28--7ffc .reference}",
        "Completeness Checks {#section_sjh_23s_gtb .section}",
        "Warnings {#section_ugb_wk5_mgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/msbCR/topics/msbCR_completeCheck_TA_ST.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/msbCR/topics/msbCR_completeCheck_TA_ST.md:chunk-2",
      "title": "Company-wide \\(TA\\) and State Transactions \\(ST\\) Completeness Checks and Warnings {#xd_df7df97c574be4a7--2013d503-199008abe28--7ffc .reference}",
      "content": "ction…\n\n## Warnings \n\n-   You must provide an explanatory note because the following TA sections indicate the company conducted an activity that was not identified in the Business Activities section on the **Company Form \\(MU1\\)** during the reported quarter. Review the **Company Form \\(MU1\\)** to confirm it accurately reflects activities completed by the company.\n    1.  Name of TA Section\n    2.  Name of TA Section\n    3.  Name of TA Section…\n-   You must provide an explanatory note because the following ST sections indicate the company conducted an activity that was not identified in the Business Activities section on the **Company Form \\(MU1\\)** during the reported quarter. Review the **Company Form \\(MU1\\)** to confirm it accurately reflects activities completed by the company.\n    1.  Name of ST Section\n    2.  Name of ST Section\n    3.  Name of ST Section…\n-   The total count of transactions from U.S. states and territories to foreign countries \\(TA 30\\) or Total $ amount received for transmission from U.S. states and territories to foreign countries \\(TA 40\\) has been revised. TheCompany-wide Transactions Destination Country Detail \\(TD-A\\) and/or State Transactions Destination Country Detail \\(TD-B\\) sections might be no longer equal to the amounts entered in the sections noted above. Review the Transactions Destination Country Detail sections to confirm information is accurate.\n-   The count of Transmission transactions from in-state to Foreign Countries \\(ST 30\\) or $ amount received for transmission \\(outbound\\) from in-state to Foreign Countries \\(ST 40\\) has been revised. Company-wide Transactions Destination Country Detail \\(TD-A\\) and/or State Transactions Destination Country Detail \\(TD-B\\) sections might be no longer equal to the amounts entered in the sections noted above. Review the Transactions Destination Country Detail sections to confirm information is accurate.\n-   The Total count of transactions from U.S. states and territories to foreign c",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_completeCheck_TA_ST.md",
      "relative_path": "maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_completeCheck_TA_ST.md",
      "headings": [
        "Company-wide \\(TA\\) and State Transactions \\(ST\\) Completeness Checks and Warnings {#xd_df7df97c574be4a7--2013d503-199008abe28--7ffc .reference}",
        "Completeness Checks {#section_sjh_23s_gtb .section}",
        "Warnings {#section_ugb_wk5_mgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/msbCR/topics/msbCR_completeCheck_TA_ST.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/msbCR/topics/msbCR_completeCheck_TA_ST.md:chunk-3",
      "title": "Company-wide \\(TA\\) and State Transactions \\(ST\\) Completeness Checks and Warnings {#xd_df7df97c574be4a7--2013d503-199008abe28--7ffc .reference}",
      "content": " sections noted above. Review the Transactions Destination Country Detail sections to confirm information is accurate.\n-   The Total count of transactions from U.S. states and territories to foreign countries \\(TA 30\\) for Q1-Q4 in theCompany-wide Transaction section is not equal to total count of all Foreign Transmission Transactions \\(TD-ATOT\\) reported.\n-   The Total dollar amount received for transmission from U.S. states and territories to foreign countries \\(TA 40\\) for Q1-Q4 in the Company-wide Transaction section is not equal to total amount of All Foreign Transmission Transactions \\(TD-ATOT\\) reported.\n\n**Parent topic:**MSB Call Report Completeness Checks and Warnings",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_completeCheck_TA_ST.md",
      "relative_path": "maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_completeCheck_TA_ST.md",
      "headings": [
        "Company-wide \\(TA\\) and State Transactions \\(ST\\) Completeness Checks and Warnings {#xd_df7df97c574be4a7--2013d503-199008abe28--7ffc .reference}",
        "Completeness Checks {#section_sjh_23s_gtb .section}",
        "Warnings {#section_ugb_wk5_mgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/msbCR/topics/msbCR_completeCheck_TA_ST.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/msbCR/topics/msbCR_completeCheck_XML_validation.md:chunk-0",
      "title": "Upload XML Validation Messages {#xd_df7df97c574be4a7--2013d503-199008abe28--7ff9 .reference}",
      "content": "# Upload XML Validation Messages \n\nMSB Call Report XML validation messages.\n\nThe following messages apply to the validation performed on XML files only. Some may be presented when attempting to upload an XML file. Others are Validation Errors displayed when viewing errors through the MSB Call Report Upload History page.\n\n-   FILE NOT UPLOADED - Your file does not conform to a valid filing schema. Check your file against the MSB Call Report XML Specification.\n-   FILE NOT UPLOADED - There is a filing in an `Upload Pending` status for the year and period indicated.\n-   FILE NOT UPLOADED - The upload must include at least one section required for the period indicated.\n-   You cannot create a filing for a period more than months ago.\n-   Only one ST filing per State may be provided in the XML.\n-   You are not authorized to create a filing for the year and period indicated.\n\n**Parent topic:**MSB Call Report Completeness Checks and Warnings",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_completeCheck_XML_validation.md",
      "relative_path": "maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_completeCheck_XML_validation.md",
      "headings": [
        "Upload XML Validation Messages {#xd_df7df97c574be4a7--2013d503-199008abe28--7ff9 .reference}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/msbCR/topics/msbCR_completeCheck_XML_validation.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/msbCR/topics/msbCR_completeCheck_overall.md:chunk-0",
      "title": "Overall Completeness Check {#xd_df7df97c574be4a7--2013d503-199008abe28--7ffa .reference}",
      "content": "# Overall Completeness Check \n\nOverall completeness check for the MSB Call Report.\n\n## Completeness Checks \n\n-   The FC section is not in a `Ready to Submit` status.\n-   The TA section is not in a `Ready to Submit` status.\n-   The PI section is not in a `Ready to Submit` status.\n-   The ST section is not in a `Ready to Submit` status.\n\n**Parent topic:**MSB Call Report Completeness Checks and Warnings",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_completeCheck_overall.md",
      "relative_path": "maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_completeCheck_overall.md",
      "headings": [
        "Overall Completeness Check {#xd_df7df97c574be4a7--2013d503-199008abe28--7ffa .reference}",
        "Completeness Checks {#section_sjh_23s_gtb .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/msbCR/topics/msbCR_completeCheck_overall.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/msbCR/topics/msbCR_completeCheck_submitWithWarn.md:chunk-0",
      "title": "How to Submit a Filing with Warnings {#xd_df7df97c574be4a7--2013d503-199008abe28--7ff5 .task}",
      "content": "# How to Submit a Filing with Warnings \n\nIf the warnings indicate values that are entered correctly, you may submit the filing without clearing the warnings; however, you must provide an explanatory note.\n\n1.  Select the **Explanatory Notes** hyperlink in the left navigation panel.\n\n2.  Enter an explanatory note.\n\n3.  Select the **Save and Move to Next** button.\n\n4.  Select the checkbox to acknowledge the existence of data warnings within the filing.\n\n5.  Select the **Mark as Ready to Submit** button.\n\n**Parent topic:**MSB Call Report: Managing Completeness Checks and Warnings",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_completeCheck_submitWithWarn.md",
      "relative_path": "maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_completeCheck_submitWithWarn.md",
      "headings": [
        "How to Submit a Filing with Warnings {#xd_df7df97c574be4a7--2013d503-199008abe28--7ff5 .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/msbCR/topics/msbCR_completeCheck_submitWithWarn.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/msbCR/topics/msbCR_completenessCheck_clearWarnings.md:chunk-0",
      "title": "How to Clear Warnings {#xd_df7df97c574be4a7--2013d503-199008abe28--7ff6 .task}",
      "content": "# How to Clear Warnings \n\nWarnings often highlight data that was entered incorrectly.\n\nThe process for clearing a warning is similar to clearing a completeness check; however, the action required is not highlighted in yellow.\n\n1.  Read and understand the warning.\n\n    **Tip:** You may want to copy it somewhere so that you know what to change once you leave the Completeness Checks and Warnings page.\n\n2.  Select the hyperlinked field number to jump to that section and take the action required.\n\n3.  Adjust the data that was entered incorrectly to clear the warning.\n\n4.  Select the **Save** button and return to the Completeness Checks and Warnings page for the section.\n\n5.  Repeat Steps 1–4 until all completeness checks pass for the filing.\n\n**Parent topic:**MSB Call Report: Managing Completeness Checks and Warnings",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_completenessCheck_clearWarnings.md",
      "relative_path": "maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_completenessCheck_clearWarnings.md",
      "headings": [
        "How to Clear Warnings {#xd_df7df97c574be4a7--2013d503-199008abe28--7ff6 .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/msbCR/topics/msbCR_completenessCheck_clearWarnings.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/msbCR/topics/msbCR_completenessCheck_clearing.md:chunk-0",
      "title": "How to Clear a Completeness Check {#xd_df7df97c574be4a7--2013d503-199008abe28--7ff7 .task}",
      "content": "# How to Clear a Completeness Check \n\nCompleteness checks must be cleared in order to mark a section of an MSB Call Report filing as `Ready to Submit`.\n\n1.  Click the hyperlinked section name to jump to that section and take the action required.\n\n    **Note:** Observe that ompleteness checks are turned on for the section.\n\n2.  Read the description of the completeness checks in the yellow heading at the top of the section.\n\n3.  Take the required action \\(e.g., entering missing or invalid data, entering an explanatory note, etc.\\).\n\n4.  Select **Save**.\n\n5.  Return to the Completeness Checks page for the section.\n\n6.  Repeat Steps 1 – 5 until all completeness checks pass for the filing.\n\n**Parent topic:**MSB Call Report: Managing Completeness Checks and Warnings",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_completenessCheck_clearing.md",
      "relative_path": "maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_completenessCheck_clearing.md",
      "headings": [
        "How to Clear a Completeness Check {#xd_df7df97c574be4a7--2013d503-199008abe28--7ff7 .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/msbCR/topics/msbCR_completenessCheck_clearing.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/msbCR/topics/msbCR_completenessChecksWarnings_managing.md:chunk-0",
      "title": "MSB Call Report: Managing Completeness Checks and Warnings {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fc4 .concept}",
      "content": "# MSB Call Report: Managing Completeness Checks and Warnings \n\nWhen completing the MSB Call Report, the System validates the data entered and provides completeness checks or warnings if data is missing or invalid, exceeds certain thresholds, or requires an explanatory note.\n\nAn MSB Call Report filing cannot be submitted until all sections are marked `Ready to Submit`.\n\nSections cannot be marked `Ready to Submit` until all completeness checks and warnings are cleared.\n\nSee MSB Call Report Completeness Checks and Warnings.\n\n-   **How to Clear a Completeness Check**  \nCompleteness checks must be cleared in order to mark a section of an MSB Call Report filing as `Ready to Submit`.\n-   **How to Clear Warnings**  \nWarnings often highlight data that was entered incorrectly.\n-   **How to Submit a Filing with Warnings**  \n If the warnings indicate values that are entered correctly, you may submit the filing without clearing the warnings; however, you must provide an explanatory note.\n-   **MSB Call Report Completeness Checks and Warnings**  \nA comprehensive list of the completeness checks and warnings provided by NMLS when completing the MSB Call Report.\n\n**Parent topic:**Money Services Businesses \\(MSB\\) Call Report",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_completenessChecksWarnings_managing.md",
      "relative_path": "maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_completenessChecksWarnings_managing.md",
      "headings": [
        "MSB Call Report: Managing Completeness Checks and Warnings {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fc4 .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/msbCR/topics/msbCR_completenessChecksWarnings_managing.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/msbCR/topics/msbCR_completenssChecksWarnings.md:chunk-0",
      "title": "MSB Call Report Completeness Checks and Warnings {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fc5 .reference}",
      "content": "# MSB Call Report Completeness Checks and Warnings \n\nA comprehensive list of the completeness checks and warnings provided by NMLS when completing the MSB Call Report.\n\n## Introduction \n\nCompleteness Checks\n:   Completeness checks must be cleared to mark an MSB Call Report filing section as `Ready to Submit`.\n\nWarnings\n:   If the warnings indicate values that are entered correctly, you may submit the filing without clearing the warnings; however, you must provide an explanatory note.\n\nFor information on how to manage and clear completeness checks and warnings, see MSB Call Report: Managing Completeness Checks and Warnings.\n\n-   **Financial Condition Completeness Checks and Warnings**  \nMSB Call Report Completeness Checks and Warnings for the Financial Condition section.\n-   **Company-wide \\(TA\\) and State Transactions \\(ST\\) Completeness Checks and Warnings**  \nMSB Call Report Completeness Checks and Warnings for the Company-wide \\(TA\\) and State Transactions \\(ST\\) sections.\n-   **Permissible Investments \\(PI\\) Completeness Checks and Warnings**  \nMSB Call Report Completeness Checks and Warnings for the Permissible Investments \\(PI\\) section.\n-   **Overall Completeness Check**  \nOverall completeness check for the MSB Call Report.\n-   **Upload XML Validation Messages**  \nMSB Call Report XML validation messages.\n-   **Upload CSV Validation Messages**  \nMSB Call Report CSV validation messages.\n\n**Parent topic:**MSB Call Report: Managing Completeness Checks and Warnings",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_completenssChecksWarnings.md",
      "relative_path": "maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_completenssChecksWarnings.md",
      "headings": [
        "MSB Call Report Completeness Checks and Warnings {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fc5 .reference}",
        "Introduction {#section_sjh_23s_gtb .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/msbCR/topics/msbCR_completenssChecksWarnings.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/msbCR/topics/msbCR_completing.md:chunk-0",
      "title": "MSB Call Report: Creating a Filing {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fc9 .concept}",
      "content": "# MSB Call Report: Creating a Filing \n\nThe process for filling the MSB Call Report.\n\nThe call report processs requires creating a new filing, uploading or manually entering the data, reviewing and checking for completeness, and finally attesting to the accuracy of the information and submitting the filing.\n\n1.  Creating an MSB Call Report Filing  \nCreate a new call report filing so you can either upload or manually enter the data.\n2.  MSB Call Report: Upload Filing as XML or CSV  \nYour Call Report data can be uploaded using the XML schema or a comma separated values \\(CSV\\) file \\(commonly saved from Excel®\\).\n3.  MSB Call Report: Add a State to the Filing  \n It is possible to upload multiple states at once through the MSB Call Report XML or CSV upload process. It is also possible to manually add states to the ST section.\n4.  MSB Call Report: Mark Sections Ready to Submit  \nEach section, including sections without any business activity during the quarter, must be marked ready before the MSB Call Report can be submitted. Users can view, edit, or delete any section prior to submission on the MSB Call Report Sections page.\n5.  Submit the MSB Call Report  \nA completeness check for the entire MSB Call Report is required prior to submission.\n\n**Parent topic:**Money Services Businesses \\(MSB\\) Call Report",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_completing.md",
      "relative_path": "maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_completing.md",
      "headings": [
        "MSB Call Report: Creating a Filing {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fc9 .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/msbCR/topics/msbCR_completing.html",
      "snippet": null
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    {
      "id": "maps/NMLS/licensing/msbCR/topics/msbCR_detail.md:chunk-0",
      "title": "NMLS Money Services Businesses Call Report Detail Report Sections {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fda .concept}",
      "content": "# NMLS Money Services Businesses Call Report Detail Report Sections \n\nThe NMLS MSB Call Report is a routine report submitted through NMLS by an entity with at least one money services business license.\n\nThe report is comprised of four sections:\n\n1.  Section I: Financial Condition Report \\(At Company Level[^1]\\)\n2.  Section II: Transaction Activity Reporting[^2]\n    1.  Company-wide Transactions Detail\n    2.  State Transactions Detail\n3.  Section III: Permissible Investments Report \\(At Company Level\\)\n4.  Section IV: Transactions Destination Country Reporting\n    1.  Company-wide Transactions Destination Country Detail\n    2.  State Transactions Destination Country Detail\n\nCompanies are only required to complete data fields in the Transaction Activity Reporting Sections \\(Section II\\) that are relevant to the company’s MSB activities and/or authorities. Relevancy is determined by business activities selected by the licensee on the Company Form \\(MU1\\). Section III \\(Permissible Investments Report\\) will only be required for licensees completing activities that are relevant to permissible investment requirements. The intention is for those areas of the NMLS MSB Call Report that are not applicable to a specific company to not be required, by the System, to be completed. For example, if a company only conducts check cashing activity, the System will only require the licensee to complete the financial condition report, and company-wide and state check cashing transactional activity data fields.\n\nSection IV\\(a\\) and IV\\(b\\) Destination Country Detail must only be submitted as part of the fourth quarter submission by money transmission licensees engaged in foreign money transmission activity[^3]. Data submitted as part of the Destination Country Detail must include all foreign transactions completed during the entire calendar year.\n\n**Parent topic:**MSBCR Overview and Definitions\n\n[^1]: The financial condition report of the MSB Call Report must be reflective of the licen",
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      "relative_path": "maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_detail.md",
      "headings": [
        "NMLS Money Services Businesses Call Report Detail Report Sections {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fda .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/msbCR/topics/msbCR_detail.html",
      "snippet": null
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      "id": "maps/NMLS/licensing/msbCR/topics/msbCR_detail.md:chunk-1",
      "title": "NMLS Money Services Businesses Call Report Detail Report Sections {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fda .concept}",
      "content": "gn transactions completed during the entire calendar year.\n\n**Parent topic:**MSBCR Overview and Definitions\n\n[^1]: The financial condition report of the MSB Call Report must be reflective of the licensee and not “rolled-up” or consolidated information of the parent company. The financial statements must be consolidated at the licensee level. Financial condition information shall include consolidated financial data for the licensee submitting the report inclusive of its subsidiaries.\n[^2]: Agent level transaction reporting is not included in the initial deployment of the MSB Call Report. It is intended for agent level transaction reporting to be included in a later version of the report \\(date to be determined\\).\n[^3]: Virtual currency activity does not require destination country reporting.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_detail.md",
      "relative_path": "maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_detail.md",
      "headings": [
        "NMLS Money Services Businesses Call Report Detail Report Sections {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fda .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/msbCR/topics/msbCR_detail.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/msbCR/topics/msbCR_filingCSV_upload.md:chunk-0",
      "title": "MSB Call Report: Upload Filing as XML or CSV {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fc7 .task}",
      "content": "# MSB Call Report: Upload Filing as XML or CSV \n\nYour Call Report data can be uploaded using the XML schema or a comma separated values \\(CSV\\) file \\(commonly saved from Excel®\\).\n\nPerform the steps in Creating an MSB Call Report Filing.\n\nMSB Call Report filings can be prepared in the system manually or uploaded via a specially formatted CSV or XML file. Sample upload, templates, and file specifications are available on the MSB Call Report CSV page of the NMLS Resource Center.\n\n1.  Select the **Browse** button on the Upload MSB Call Report Filing page.\n\n2.  Select the appropriate CSV or XML file for the desired year and period.\n\n3.  Select the **Open** button.\n\n4.  Select the **Upload** button.\n\n    **Note:** Any CSV upload errors are displayed on this page. Correct all errors and re-upload to proceed.\n\n    **Note:** XML uploads are automatically displayed on the MSB Call Report XML Upload History page alongside their upload status. Correct any errors if necessary and upload again to proceed.\n\n5.  **Validating XML uploads**\n6.  Refer to the instructions on-screen and refresh the page after a moment to allow the System to process the XML upload.\n\n7.  If the upload is unsuccessful with an `invalid` status, select the **View Errors** button to review the errors discovered during the validation process.\n\n    Refer to MSB Call Report Completeness Checks and Warnings for more details.\n\n8.  Select the **MSB Call Report** link in the left navigation bar once an XML file is successfully uploaded.\n\n9.  Select the **View** icon next to the desired MSB Call Report on the MSB Call Report page.\n\n**Parent topic:**MSB Call Report: Creating a Filing\n\n**Previous topic:**Creating an MSB Call Report Filing\n\n**Next topic:**MSB Call Report: Add a State to the Filing",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_filingCSV_upload.md",
      "relative_path": "maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_filingCSV_upload.md",
      "headings": [
        "MSB Call Report: Upload Filing as XML or CSV {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fc7 .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/msbCR/topics/msbCR_filingCSV_upload.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/msbCR/topics/msbCR_frequency.md:chunk-0",
      "title": "MSB Call Report: Reporting Frequency {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fd8 .concept}",
      "content": "# MSB Call Report: Reporting Frequency \n\nAll sections, except the transaction destination country reporting Sections \\(IV\\(a\\), IV\\(b\\)\\), are due each calendar quarter.\n\n## Reporting Frequency \n\nAs noted below, only certain sections are required to be completed by licensees engaged in relevant business activities. Submission must be completed within 45 days of the end of the calendar quarter.\n\nFailure to submit the report within 45 days of the end of the calendar quarter results in the creation of a license item placed on relevant licenses held by a company and may result in a regulatory action. Such license items may prevent the renewal of the entity’s license.\n\n|Section|Name|Data Level|Data Period|Submission|Due|\n|-------|----|----------|-----------|----------|---|\n|I.|Financial Condition Report|Company|Quarter|Required|45 Days After End of Each Quarter|\n|II.\\(a\\)|Company-wide Transactions Detail|Company|Quarter|Required|45 Days After End of Each Quarter|\n|II.\\(b\\)|State Transactions Detail|State|Quarter|Required|45 Days After End of Each Quarter|\n|III.|Permissible Investments Report|Company|Quarter|Required for licensees engaged in money transmission, payment instrument, stored value, virtual currency, and other relevant business activities.|45 Days After End of Each Quarter|\n|IV.\\(a\\)|Company-wide Transactions Destination Country Detail|Company|Annual|Required for licensees engaged in foreign money transmission activity.|45 Days After End of the Fourth Quarter|\n|IV.\\(b\\)|State Transactions Destination Country Detail|State|Annual|Optional requirement for licensees engaged in foreign money transmission activity.|45 Days After End of the Fourth Quarter|\n\n## Calendar Year Basis \n\nThe Report requires information on a calendar year basis. The first quarter is defined as January, February, March; the second quarter is defined as April, May, June; the third quarter is defined as July, August, September; and the fourth quarter is defined as October, November December. L",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_frequency.md",
      "relative_path": "maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_frequency.md",
      "headings": [
        "MSB Call Report: Reporting Frequency {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fd8 .concept}",
        "Reporting Frequency {#section_a4d_jpy_lgc .section}",
        "Calendar Year Basis {#section_hxk_jqy_lgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/msbCR/topics/msbCR_frequency.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/msbCR/topics/msbCR_frequency.md:chunk-1",
      "title": "MSB Call Report: Reporting Frequency {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fd8 .concept}",
      "content": "January, February, March; the second quarter is defined as April, May, June; the third quarter is defined as July, August, September; and the fourth quarter is defined as October, November December. Licensees with a fiscal year basis that does not end on December 31st must still file the report on a calendar year basis in accordance with the quarter schedule noted above.\n\n**Parent topic:**MSBCR Overview and Definitions",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_frequency.md",
      "relative_path": "maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_frequency.md",
      "headings": [
        "MSB Call Report: Reporting Frequency {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fd8 .concept}",
        "Reporting Frequency {#section_a4d_jpy_lgc .section}",
        "Calendar Year Basis {#section_hxk_jqy_lgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/msbCR/topics/msbCR_frequency.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/msbCR/topics/msbCR_infoSharing.md:chunk-0",
      "title": "MSB Call Report Information Sharing {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fd4 .concept}",
      "content": "# MSB Call Report Information Sharing \n\nAll data submitted in the report is confidential, but will be available to all state regulators under the System’s information sharing architecture. Similar to other data in the System, the sharing of information amongst state regulators is specifically permitted under 12 U.S. Code § 5111 of the SAFE Mortgage Licensing Act of 2008.\n\nThis section permits information and material in NMLS to be shared with all state and federal regulatory officials with mortgage or financial services industry oversight authority without the loss of privilege or the loss of confidentiality protections provided by federal and state laws.\n\nState, regional, and national aggregated data that does not disclose any particular company’s information will be made available by SRR in industry statistics and other related reports.\n\n**Parent topic:**MSBCR Overview and Definitions",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_infoSharing.md",
      "relative_path": "maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_infoSharing.md",
      "headings": [
        "MSB Call Report Information Sharing {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fd4 .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/msbCR/topics/msbCR_infoSharing.html",
      "snippet": null
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    {
      "id": "maps/NMLS/licensing/msbCR/topics/msbCR_intro.md:chunk-0",
      "title": "Money Services Businesses \\(MSB\\) Call Report {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fde .concept}",
      "content": "# Money Services Businesses \\(MSB\\) Call Report \n\nThe Money Services Businesses \\(MSB\\) Call Report was developed with the goal of enhancing and standardizing the information available to state regulators concerning the activities of their Money Services Businesses licensees \\(money transmitters, check cashers, prepaid, etc.\\). Licensees will be able to complete the report directly in NMLS.\n\nThe report includes national and state specific MSB activity information that is submitted on a quarterly and annual basis. For a background and overview of the NMLS MSB Call Report, see the MSBCR Overview and Definitions. Refer to the Money Transmitters Modernization Act \\(MTMA\\)\n\n## 1. Am I required to submit an MSB Call Report through NMLS? \n\nConsult the License Requirements and Fees Chart to determine if you are required to submit an MSB Call Report through NMLS.\n\n## 2. What are the sections of the MSB Call Report? \n\nSection I: Financial Condition Report \\(at Company Level\\)\n:   -   Financial Condition \\(FC\\) - This section collects financial information at the company level; it only has to be completed once per quarter.\n\nSection II: Transaction Activity Reporting\n:   -   Company-wide Transactions \\(TA\\) - This section collects transaction details across the company in every state where it operates.\n-   State-level Transactions \\(ST\\) - This section collects transaction details broken down by state.\n\nSection III: Permissible Investments Report \\(at Company Level\\)\n:   -   Permissible Investments \\(PI\\) - This section collects details for specific license types.\n\nSection IV: Transaction Destination Country Reporting\n:   -   Transaction Destination Country \\(TD\\) - This section is only required for licensees who indicate they transmit money from the United States to a foreign country or countries; it is due annually after the fourth quarter.\n\n## 3. When do I file? \n\nUse the table below to plan and prepare your MSB Call Report quarterly filings.\n\n|Filing|Reporting Period ​|Due ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_intro.md",
      "relative_path": "maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_intro.md",
      "headings": [
        "Money Services Businesses \\(MSB\\) Call Report {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fde .concept}",
        "1. Am I required to submit an MSB Call Report through NMLS? {#section_oyk_krq_lgc .section}",
        "2. What are the sections of the MSB Call Report? {#section_oyj_r1r_lgc .section}",
        "3. When do I file? {#section_ny2_t1r_lgc .section}",
        "​4. How do I prepare? {#section_zc2_51r_lgc .section}",
        "MSB Call Report Training {#section_ytd_d1x_mgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/msbCR/topics/msbCR_intro.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/msbCR/topics/msbCR_intro.md:chunk-1",
      "title": "Money Services Businesses \\(MSB\\) Call Report {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fde .concept}",
      "content": "try or countries; it is due annually after the fourth quarter.\n\n## 3. When do I file? \n\nUse the table below to plan and prepare your MSB Call Report quarterly filings.\n\n|Filing|Reporting Period ​|Due Date|\n|------|------------------|--------|\n|Q1|January 1 - March 31|May 15|\n|Q2|April 1 - June 30|August 14|\n|Q3|July 1 - September 30|November 14|\n|Q4|October 1 - December 31|February 14|\n\n## ​4. How do I prepare? \n\nUse the documents below to prepare, practice, and file your MSB Call Report. The definitions and instructions for Form Version 2 \\(FV2\\), Form Version 3 \\(FV3\\), and Form Version 4 \\(FV4\\) as well as a sample form are included below.\n\nUse FV2 to complete the MSB Call Report for filings prior to 2023Q1. Use FV3 to complete the MSB Call Report for filing for 2023Q1 through 2024Q2. Use Fv4 to complete the MSB Call Report for filings for 2024Q3 and beyond.\n\n|​Document​|Description|​Form Version 2 \\(FV2\\)|Form Version 3 \\(FV3\\)​|Form Version 4 \\(FV4\\)|\n|----------|-----------|-----------------------|-----------------------|----------------------|\n|Sample Form \\(N​ot for Upload\\)|Shows all the fields and sections of the MSB Call Report.|​Excel.xlsx)|​Excel.xlsx)|Excel.xlsx)|\n|Field Definitions|Contains definitions for each field of the MSB Call Report.|​PDF|​PDF%20v3.0.pdf)|PDF.pdf)|\n|Call Report Sections|Details the data to be entered into each section of the MSB Call Report.|​PDF|​PDF|PDF|\n|Practice Worksheet|Helps users prepare for their​ quarterly submission of the MSB Call Report.|​PDF|​PDF%20v3.0.pdf)|PDF.pdf)|\n|CSV Upload Specifications|Details on the MSB Call Report CSV upload functionality.|​​​MSB Call Report CSV Upload Specifications|\n|XML Specifications|Details on the MSB Call Report XML upload functionality.|​​​MSB Call Report XML Specification|\n|Summary of Enhancements​|​Details the updates in Form Version 3.|​|​PDF|PDF|\n|​​Sample Form Version 3 \\(with Changes Highlighted\\)​|Shows all the fields and sections of the MSB Call Report Form Version 3 with",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_intro.md",
      "relative_path": "maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_intro.md",
      "headings": [
        "Money Services Businesses \\(MSB\\) Call Report {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fde .concept}",
        "1. Am I required to submit an MSB Call Report through NMLS? {#section_oyk_krq_lgc .section}",
        "2. What are the sections of the MSB Call Report? {#section_oyj_r1r_lgc .section}",
        "3. When do I file? {#section_ny2_t1r_lgc .section}",
        "​4. How do I prepare? {#section_zc2_51r_lgc .section}",
        "MSB Call Report Training {#section_ytd_d1x_mgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/msbCR/topics/msbCR_intro.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/msbCR/topics/msbCR_intro.md:chunk-2",
      "title": "Money Services Businesses \\(MSB\\) Call Report {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fde .concept}",
      "content": "of Enhancements​|​Details the updates in Form Version 3.|​|​PDF|PDF|\n|​​Sample Form Version 3 \\(with Changes Highlighted\\)​|Shows all the fields and sections of the MSB Call Report Form Version 3 with changes highlighted.|​|​Excel.xlsx)|Excel.xlsx)|\n\n## MSB Call Report Training \n\nMSB Call Report Preview Training - Recorded on March 28, 2017\n\nMSB Call Report Section IV Training - September 6th, 2017 \\(Recording\\)\n\n-   **MSBCR Overview and Definitions**  \nThe NMLS Money Services Businesses \\(MSB\\) Call Report is comprised of four sections: company financial information, information about the licensee’s company and state level transactional activity, company permissible investments information, and transaction destination country information.\n-   **NMLS MSB Call Report Sections and Definitions**  \nDetailed descriptions and instructions for the sections and fields of the Money Services Businessess Call Report.\n-   **NMLS MSB Call Report Subcommittee**  \n\n-   **MSB Call Report Frequently Asked Questions**  \nFor questions on Money Service Businesses \\(MSB\\) Call Report policies or interpretations of field definitions, email NMLSMSBCR@csbs.org.\n-   **CSV and XML Specifications**  \nThe MSB Call Report can be uploaded as a comma-separated values \\(CSV\\) or eXtensible Markup Language \\(XML\\) file.\n\n**Parent topic:**Money Services Businesses \\(MSB\\) Call Report",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_intro.md",
      "relative_path": "maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_intro.md",
      "headings": [
        "Money Services Businesses \\(MSB\\) Call Report {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fde .concept}",
        "1. Am I required to submit an MSB Call Report through NMLS? {#section_oyk_krq_lgc .section}",
        "2. What are the sections of the MSB Call Report? {#section_oyj_r1r_lgc .section}",
        "3. When do I file? {#section_ny2_t1r_lgc .section}",
        "​4. How do I prepare? {#section_zc2_51r_lgc .section}",
        "MSB Call Report Training {#section_ytd_d1x_mgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/msbCR/topics/msbCR_intro.html",
      "snippet": null
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      "id": "maps/NMLS/licensing/msbCR/topics/msbCR_overviewDefinitions.md:chunk-0",
      "title": "MSBCR Overview and Definitions {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fdb .concept}",
      "content": "# MSBCR Overview and Definitions \n\nThe NMLS Money Services Businesses \\(MSB\\) Call Report is comprised of four sections: company financial information, information about the licensee’s company and state level transactional activity, company permissible investments information, and transaction destination country information.\n\nThe development of the NMLS MSB Call Report draws from various reports required of states and seeks to replace and standardize individual financial and activity reports currently required by state financial regulators.\n\n## Purpose of the NMLS Money Services Businesses Call Report \n\nThe purpose of the NMLS MSB Call Report is to provide timely, comprehensive, and uniform information and reporting frequencies concerning financial condition, transactional activities, and compliance with state permissible investment requirements on entities licensed as money services businesses.\n\nThe objectives of the NMLS MSB Call Report are as follows:\n\n1.  Provide state regulators with the information necessary to replace the unique reports currently required by approximately 36 states and to standardize reporting of financial condition information.\n2.  Provide state regulators with information to most effectively supervise licensees, such as determining examination schedules, risk assessment analyses, monitoring compliance with state law and permissible investment requirements, and accurately calculate assessments, where applicable.\n3.  Provide state financial regulators with the ability to develop detailed transactional activity reports with the ability to compare across state lines.\n4.  Provide licensees with the ability to automate the provision and retention of financial condition, transactional data, and permissible investment amounts to one or more state regulators in a single uniform manner.\n5.  Provide licensees with standard reporting frequencies for ongoing financial condition, transactional activity, and permissible investment reporting requirements.\n",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_overviewDefinitions.md",
      "relative_path": "maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_overviewDefinitions.md",
      "headings": [
        "MSBCR Overview and Definitions {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fdb .concept}",
        "Purpose of the NMLS Money Services Businesses Call Report {#section_bgc_nhy_lgc .section}",
        "State Regulatory MSB Reporting {#section_sng_4hy_lgc .section}",
        "NMLS Money Services Businesses Call Report Working Group {#section_kgn_phy_lgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/msbCR/topics/msbCR_overviewDefinitions.html",
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      "id": "maps/NMLS/licensing/msbCR/topics/msbCR_overviewDefinitions.md:chunk-1",
      "title": "MSBCR Overview and Definitions {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fdb .concept}",
      "content": "ators in a single uniform manner.\n5.  Provide licensees with standard reporting frequencies for ongoing financial condition, transactional activity, and permissible investment reporting requirements.\n\n## State Regulatory MSB Reporting \n\nApproximately 36 states require licensed money services businesses companies to submit quarterly or annual reports providing transactional activity and permissible investment amounts, often including information on in-state, foreign, and domestic transactions, permissible investment details, agent transaction details and volume and dollar amount of transactions completed. These reports are utilized by state regulators for a variety of reasons, including calculating assessments, risk assessment, scheduling exams, determining legislative compliance, and generating reports on transactional activity within a state and at the national level.\n\nIn addition to the reporting requirements detailed above, the majority of state money services businesses regulators require financial statements and/or financial condition information to be provided on an ongoing basis. NMLS currently has functionality that permits licensees to file a single financial statement with one or more regulators through the System. This existing functionality does not facilitate the use of financial information in data analytics tools that enable a more in-depth analysis to be completed.\n\n## NMLS Money Services Businesses Call Report Working Group \n\nA working group of state regulators was formed in February 2015 to develop the NMLS MSB Call Report and accompanying definitions and policies. The roster of the NMLS MSB Call Report Working Group can be found in Addendum A of this document.\n\n-   **NMLS Money Services Businesses Call Report Detail Report Sections**  \nThe NMLS MSB Call Report is a routine report submitted through NMLS by an entity with at least one money services business license.\n-   **Submission of MSB Call Report**  \nCompanies holding an MSB license during the",
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      "relative_path": "maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_overviewDefinitions.md",
      "headings": [
        "MSBCR Overview and Definitions {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fdb .concept}",
        "Purpose of the NMLS Money Services Businesses Call Report {#section_bgc_nhy_lgc .section}",
        "State Regulatory MSB Reporting {#section_sng_4hy_lgc .section}",
        "NMLS Money Services Businesses Call Report Working Group {#section_kgn_phy_lgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/msbCR/topics/msbCR_overviewDefinitions.html",
      "snippet": null
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    {
      "id": "maps/NMLS/licensing/msbCR/topics/msbCR_overviewDefinitions.md:chunk-2",
      "title": "MSBCR Overview and Definitions {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fdb .concept}",
      "content": "ll Report is a routine report submitted through NMLS by an entity with at least one money services business license.\n-   **Submission of MSB Call Report**  \nCompanies holding an MSB license during the calendar quarter will be required to file the NMLS MSB Call Report. The NMLS MSB Call Report may only be submitted through NMLS; therefore in order for entities to submit the report, they must have an active record in NMLS.\n-   **MSB Call Report: Reporting Frequency**  \nAll sections, except the transaction destination country reporting Sections \\(IV\\(a\\), IV\\(b\\)\\), are due each calendar quarter.\n-   **MSB Call Report Adoption**  \nThe NMLS MSB Call Report is a uniform form that will be completed by MSB companies, licensed in states that require their licensees to submit the report. States that adopt the report, adopt all sections of the report, with the exception of optional Section IV\\(b\\), and entities licensed in the state will be required to complete submission of the report in accordance with the schedule detailed in MSB Call Report: Reporting Frequency.\n-   **Adjustments of Submitted MSB Call Reports**  \nLicensees are permitted to revise previously submitted quarterly reports up to 24 months after the report is submitted.\n-   **MSB Call Report Financial Condition**  \n\n-   **MSB Call Report Information Sharing**  \nAll data submitted in the report is confidential, but will be available to all state regulators under the System’s information sharing architecture. Similar to other data in the System, the sharing of information amongst state regulators is specifically permitted under 12 U.S. Code § 5111 of the SAFE Mortgage Licensing Act of 2008.\n\n**Parent topic:**Money Services Businesses \\(MSB\\) Call Report",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_overviewDefinitions.md",
      "relative_path": "maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_overviewDefinitions.md",
      "headings": [
        "MSBCR Overview and Definitions {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fdb .concept}",
        "Purpose of the NMLS Money Services Businesses Call Report {#section_bgc_nhy_lgc .section}",
        "State Regulatory MSB Reporting {#section_sng_4hy_lgc .section}",
        "NMLS Money Services Businesses Call Report Working Group {#section_kgn_phy_lgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/msbCR/topics/msbCR_overviewDefinitions.html",
      "snippet": null
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    {
      "id": "maps/NMLS/licensing/msbCR/topics/msbCR_reportFiling_amending.md:chunk-0",
      "title": "MSB Call Report: Amending a Submitted Report {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fc3 .task}",
      "content": "# MSB Call Report: Amending a Submitted Report \n\nA submitted MSB Call Report can only be amended within 24 months after the end of the filing period. Amending an MSB Call Report does not reset the 24-month limit.\n\n**Note:** Sections that are not amended remain in a `Processed` status.\n\n1.  Navigate to the NMLS Login page.\n\n    -   State context.\n    -   Federal context.\n2.  Log in to your NMLS account.\n\n3.  Select the **Filing** tab.\n\n4.  Select the **Call Reports** button.\n\n5.  Select **MSB Call Report**.\n\n6.  Select the **View** icon next to the desired MSB Call Report.\n\n7.  Select the **Edit** icon next to the desired section on the MSB Call Report Sections page.\n\n8.  Select the **Continue** button to proceed with creating an amendment.\n\n9.  Edit the desired fields and select the **Save and Move to Next** button.\n\n10. Enter any necessary information in the Explanatory Notes section and select the **Save and Move to Next** button.\n\n    **Tip:** The Explanatory Notes section is used to communicate to the regulator. It is a good practice to provide a note if amending a previously submitted report.\n\n11. Resolve any completeness checks or warnings on the Completeness Check page.\n\n    **Note:** Completeness checks prevent marking a section as `Ready to Submit`. Warnings do not prevent marking a section as `Ready to Submit` but require an explanatory note. For an explanation of all completeness checks, warnings, and errors, refer to **MSB Call Report Completeness Checks and Warnings**.\n\n12. Select the **Mark as Ready to Submit** button.\n\n    **Note:** Every amended section must be marked as `Ready to Submit`, even if no changes were made.\n\n    This changes the section status on the View MSB Call Report Sections page to `Ready to Submit` with a green thumbs up icon.\n\n13. Select the **Undo** icon next to the section on the MSB Call Report Sections page to undo an amendment.\n\n14. Select the **Compare Filing** icon to compare previous versions.\n\n15. Once all sections are in",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_reportFiling_amending.md",
      "relative_path": "maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_reportFiling_amending.md",
      "headings": [
        "MSB Call Report: Amending a Submitted Report {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fc3 .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/msbCR/topics/msbCR_reportFiling_amending.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/msbCR/topics/msbCR_reportFiling_amending.md:chunk-1",
      "title": "MSB Call Report: Amending a Submitted Report {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fc3 .task}",
      "content": "ect the **Undo** icon next to the section on the MSB Call Report Sections page to undo an amendment.\n\n14. Select the **Compare Filing** icon to compare previous versions.\n\n15. Once all sections are in a `Ready to Submit` or `Processed` status, submit the amended MSB Call Report.\n\n    1.  Select the **Completeness Check and Submit** button on the bottom of the MSB Call Report Sections page, note any System-generated messages.\n\n    2.  Resolve any completeness checks.\n\n        See **MSB Call Report: Managing Completeness Checks and Warnings** and **MSB Call Report Completeness Checks and Warnings** for instructions to resolve, and detailed explanations respectively.\n\n    3.  Select the attestation checkbox then select the **Attest and Submit** button.\n\n**Parent topic:**Money Services Businesses \\(MSB\\) Call Report",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_reportFiling_amending.md",
      "relative_path": "maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_reportFiling_amending.md",
      "headings": [
        "MSB Call Report: Amending a Submitted Report {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fc3 .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/msbCR/topics/msbCR_reportFiling_amending.html",
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      "id": "maps/NMLS/licensing/msbCR/topics/msbCR_sectIIa_companyWideTrans.md:chunk-0",
      "title": "MSB Call Report Section II \\(a\\): Company-Wide Transactions Detail {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fcf .reference}",
      "content": "# MSB Call Report Section II \\(a\\): Company-Wide Transactions Detail \n\nDescriptions and instructions for data fields TA10 to TA350.\n\n## Section II \\(a\\): Company-Wide Transactions Detail \n\n\n\nTA10\n\n\n\nTotal \\# of transactions from U.S. states and territories to U.S. states and territories\n\n\n\nReport the total number of transactions from U.S. states and territories to U.S. states and territories in the quarter.\n\n\n\nTA20\n\n\n\nTotal $ amount received for transmission from U.S. states and territories to U.S. states and territories\n\n\n\nReport the total dollar amount of transactions from U.S. states and territories to U.S. states and territories in the quarter.\n\n\n\nTA30\n\n\n\nTotal \\# of transactions from U.S. states and territories to foreign countries\n\n\n\nReport the total number of transactions from U.S. States and territories to foreign countries in the quarter.\n\n\n\nTA40\n\n\n\nTotal $ amount received for transmission from U.S. states and territories to foreign countries\n\n\n\nReport the total dollar amount of transactions from U.S. States and territories to be sent to foreign countries in the quarter.\n\n\n\nTA50\n\n\n\nTOTAL \\# of All Money Transmission Transactions\n\n\n\nThe total \\# of Transmission Transactions for the quarter is automatically calculated.\n\n\n\nTA60\n\n\n\nTOTAL $ Amount of All Money Transmission Transactions\n\n\n\nThe total $ Amount of Transmission Transactions for the quarter is automatically calculated.\n\n\n\n\nTA70\n\n\n\nTotal \\# of payment instruments issued/sold\n\n\n\nReport total number of payment instruments sold in the quarter.\n\n\n\nTA80\n\n\n\nTotal $ amount of payment instruments issued/sold\n\n\n\nReport total dollar amount of payment instruments sold in the quarter.\n\n\n\n\nTA90\n\n\n\nTotal \\# of stored value transactions\n\n\n\nReport total number of stored value instruments transactions \\(issued/sold, etc.\\) in the quarter. Includes reloads. Does not include withdrawals.\n\n\n\nTA100\n\n\n\nTotal $ amount of stored value transactions\n\n\n\nReport total dollar amount of stored value transactions \\(issued/sold, etc.\\",
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        "MSB Call Report Section II \\(a\\): Company-Wide Transactions Detail {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fcf .reference}",
        "Section II \\(a\\): Company-Wide Transactions Detail {#section_jx5_lrz_lgc .section}"
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      "id": "maps/NMLS/licensing/msbCR/topics/msbCR_sectIIa_companyWideTrans.md:chunk-1",
      "title": "MSB Call Report Section II \\(a\\): Company-Wide Transactions Detail {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fcf .reference}",
      "content": " in the quarter. Includes reloads. Does not include withdrawals.\n\n\n\nTA100\n\n\n\nTotal $ amount of stored value transactions\n\n\n\nReport total dollar amount of stored value transactions \\(issued/sold, etc.\\) in the quarter. Includes reloads. Does not include withdrawals.\n\n\n\n\nTA110\n\n\n\n\\# of checks cashed\n\n\n\nReport total number of checks cashed during the quarter.\n\n\n\nTA120\n\n\n\n$ amount of checks cashed\n\n\n\nReport total dollar amount of checks cashed during the quarter.\n\n\n\nTA130\n\n\n\n$ amount of fees collected\n\n\n\nReport total dollar amount of fees collected in the quarter.\n\n\n\nTA140\n\n\n\nMaximum percentage charged for check\n\n\n\nReport the maximum percentage charged for a check during the quarter.\n\n\n\n\nTA150\n\n\n\n\\# of currency transactions completed\n\n\n\nReport total number of currency exchange transactions during the quarter.\n\n\n\nTA160\n\n\n\n$ amount of currency transactions completed\n\n\n\nReport total U.S. dollar amount of currency transactions during the quarter.\n\n\n\nTA170\n\n\n\n$ amount of fees collected\n\n\n\nReport total dollar amount of fees collected in the quarter.\n\n\n\n\nTA180\n\n\n\nTotal \\# of Virtual Currency to Virtual Currency Exchange Transactions\n\n\n\nReport total number of virtual currency to virtual currency exchange transactions completed during the quarter. This shall only include transactions where the reporting entity is either the buyer or seller and is providing virtual currency to the customer in exchange for virtual currency.\n\n\n\nTA190\n\n\n\nTotal $ amount of Virtual Currency to Virtual Currency Exchange Transactions\n\n\n\nReport total dollar amount \\(in U.S. Dollars\\) of virtual currency to virtual currency exchange transactions completed during the quarter. This shall only include transactions where the reporting entity is either the buyer or seller and is providing virtual currency to the customer in exchange for virtual currency. The U.S. Dollar exchange rate must represent a generally accepted and recognized quoted price in the active market for the virtual currency at the time of the",
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        "MSB Call Report Section II \\(a\\): Company-Wide Transactions Detail {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fcf .reference}",
        "Section II \\(a\\): Company-Wide Transactions Detail {#section_jx5_lrz_lgc .section}"
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      "title": "MSB Call Report Section II \\(a\\): Company-Wide Transactions Detail {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fcf .reference}",
      "content": "ustomer in exchange for virtual currency. The U.S. Dollar exchange rate must represent a generally accepted and recognized quoted price in the active market for the virtual currency at the time of the transaction. A blended index should be used if available.\n\n\n\nTA200\n\n\n\nTotal \\# of Virtual Currency to U.S. Dollar Exchange Transactions\n\n\n\nReport total number of virtual currency to U.S. Dollar exchange transactions completed during the quarter. This shall only include transactions where the reporting entity is providing U.S. Dollars to the customer in exchange for virtual currency.\n\n\n\nTA210\n\n\n\nTotal $ amount of Virtual Currency to U.S. Dollar Exchange Transactions\n\n\n\nReport total dollar amount \\(in U.S. Dollars\\) of virtual currency to U.S. Dollar exchange transactions completed during the quarter. This shall only include transactions where the reporting entity is providing U.S. Dollars to the customer in exchange for virtual currency. The U.S. Dollar exchange rate must represent a generally accepted and recognized quoted price in the active market for the virtual currency at the time of the transaction. A blended index should be used if available.\n\n\n\nTA220\n\n\n\nTotal \\# of U.S. Dollar to Virtual Currency Exchange Transactions\n\n\n\nReport total number of U.S. Dollar to virtual currency exchange transactions completed during the quarter. This shall only include transactions where the reporting entity is providing virtual currency to the customer in exchange for U.S. Dollars.\n\n\n\nTA230\n\n\n\nTotal $ amount of U.S. Dollar to Virtual Currency Exchange Transactions\n\n\n\nReport total dollar amount \\(in U.S. Dollars\\) of U.S. Dollar to virtual currency exchange transactions completed during the quarter. This shall only include transactions where the reporting entity is providing virtual currency to the customer in exchange for U.S. Dollars. The U.S. Dollar exchange rate must represent a generally accepted and recognized quoted price in the active market for the virtual currency at the",
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        "Section II \\(a\\): Company-Wide Transactions Detail {#section_jx5_lrz_lgc .section}"
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      "id": "maps/NMLS/licensing/msbCR/topics/msbCR_sectIIa_companyWideTrans.md:chunk-3",
      "title": "MSB Call Report Section II \\(a\\): Company-Wide Transactions Detail {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fcf .reference}",
      "content": "urrency to the customer in exchange for U.S. Dollars. The U.S. Dollar exchange rate must represent a generally accepted and recognized quoted price in the active market for the virtual currency at the time of the transaction. A blended index should be used if available.\n\n\n\nTA240\n\n\n\nTotal \\# of Virtual Currency to Virtual Currency Facilitated Exchange Transactions\n\n\n\nReport total number of virtual currency to virtual currency facilitated exchange transactions which occur on the reporting entity’s platform during the quarter where the reporting entity is neither the buyer nor the seller.\n\n\n\nTA250\n\n\n\nTotal $ amount of Virtual Currency to Virtual Currency Facilitated Exchange Transactions\n\n\n\nReport total dollar amount \\(in U.S. Dollars\\) of virtual currency to virtual currency facilitated exchange transactions which occur on the reporting entity’s platform during the quarter where the reporting entity is neither the buyer nor the seller. The U.S. Dollar exchange rate must represent a generally accepted and recognized quoted price in the active market for either virtual currency at the time of the transaction. A blended index should be used if available.\n\n\n\nTA280\n\n\n\nTotal \\# of Virtual Currency to/from U.S. Dollar Facilitated Exchange Transactions\n\n\n\nReport total number of virtual currency to U.S. Dollar, or vice versa, facilitated exchange transactions which occur on the reporting entity’s platform during the quarter where the reporting entity is neither the buyer nor seller.\n\n\n\nTA290\n\n\n\nTotal $ amount of Virtual Currency to/from U.S. Dollar Facilitated Exchange Transactions\n\n\n\nReport total dollar amount \\(in U.S. Dollars\\) of virtual currency to U.S. Dollar, or vice versa, facilitated exchange transactions which occur on the reporting entity’s platform during the quarter where the reporting entity is neither the buyer nor seller. The U.S. Dollar exchange rate must represent a generally accepted and recognized quoted price in the active market for the virtual currency a",
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        "Section II \\(a\\): Company-Wide Transactions Detail {#section_jx5_lrz_lgc .section}"
      ],
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      "id": "maps/NMLS/licensing/msbCR/topics/msbCR_sectIIa_companyWideTrans.md:chunk-4",
      "title": "MSB Call Report Section II \\(a\\): Company-Wide Transactions Detail {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fcf .reference}",
      "content": "here the reporting entity is neither the buyer nor seller. The U.S. Dollar exchange rate must represent a generally accepted and recognized quoted price in the active market for the virtual currency at the time of the transaction. A blended index should be used if available.\n\n\n\nTA300\n\n\n\nTotal \\# of Virtual Currency Stored Value Transactions\n\n\n\nReport total number of virtual currency stored value transactions during the quarter where the customer provides the reporting entity with virtual currency and the reporting entity maintains control.\n\n\n\nTA310\n\n\n\nTotal $ amount of Virtual Currency Stored Value Transactions\n\n\n\nReport total dollar amount \\(in U.S. Dollars\\) of virtual currency stored value transactions during the quarter where the customer provides the reporting entity with virtual currency and the reporting entity maintains control. The U.S. Dollar exchange rate must represent a generally accepted and recognized quoted price in the active market for the virtual currency at the time of the transaction. A blended index should be used if available.\n\n\n\nTA320\n\n\n\nTotal \\# of Virtual Currency Transmissions\n\n\n\nReport total number of virtual currency transmissions during the quarter that are not exchange transactions.\n\n\n\nTA330\n\n\n\nTotal $ amount of Virtual Currency Transmissions\n\n\n\nReport total dollar amount \\(in U.S. Dollars\\) of virtual currency transmissions during the quarter that are not exchange transactions. The U.S. Dollar exchange rate must represent a generally accepted and recognized quoted price in the active market for the virtual currency at the time of the transaction. A blended index should be used if available.\n\n\n\nTA340\n\n\n\nTOTAL \\# of Virtual Currency Transactions\n\n\n\nThe total \\# of transactions for the quarter is automatically calculated. Equals the sum of TA 180, TA 200, TA 220, TA 240, TA 280, TA 300, and TA 320.\n\n\n\nTA350\n\n\n\nTOTAL $ Amount of Virtual Currency Transactions \\(in U.S. Dollars\\)\n\n\n\nThe total $ amount of transactions for the quarter is auto",
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      "headings": [
        "MSB Call Report Section II \\(a\\): Company-Wide Transactions Detail {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fcf .reference}",
        "Section II \\(a\\): Company-Wide Transactions Detail {#section_jx5_lrz_lgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/msbCR/topics/msbCR_sectIIa_companyWideTrans.html",
      "snippet": null
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    {
      "id": "maps/NMLS/licensing/msbCR/topics/msbCR_sectIIa_companyWideTrans.md:chunk-5",
      "title": "MSB Call Report Section II \\(a\\): Company-Wide Transactions Detail {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fcf .reference}",
      "content": "A 180, TA 200, TA 220, TA 240, TA 280, TA 300, and TA 320.\n\n\n\nTA350\n\n\n\nTOTAL $ Amount of Virtual Currency Transactions \\(in U.S. Dollars\\)\n\n\n\nThe total $ amount of transactions for the quarter is automatically calculated. Equals the sum of TA 190, TA 210, TA 230, TA250, TA 290, TA 310, and TA 330.\n\n\n**Parent topic:**NMLS MSB Call Report Sections and Definitions",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_sectIIa_companyWideTrans.md",
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      "headings": [
        "MSB Call Report Section II \\(a\\): Company-Wide Transactions Detail {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fcf .reference}",
        "Section II \\(a\\): Company-Wide Transactions Detail {#section_jx5_lrz_lgc .section}"
      ],
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      "snippet": null
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    {
      "id": "maps/NMLS/licensing/msbCR/topics/msbCR_sectIIb_stateTransDtl.md:chunk-0",
      "title": "MSB Call Report Section II \\(b\\): State Transaction Detail {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fce .reference}",
      "content": "# MSB Call Report Section II \\(b\\): State Transaction Detail \n\nDescriptions and instructions for data fields ST10 to ST362.\n\n## Section II \\(b\\): State Transaction Detail[^1] \n\n\n\nST10\n\n\n\n\\# of transactions from in-state to U.S. states and territories\n\n\n\nReport the total number of transactions from in-state to be sent to a state or territory of the United States in the quarter \\(includes in-state to in-state transactions\\).\n\n\n\nST20\n\n\n\n$ amount received for transmission \\(outbound\\) from in-state to U.S. states and territories\n\n\n\nReport the total dollar amount of transactions from in-state to be sent to a state or territory of the United States in the quarter \\(includes in-state to in state transactions\\).\n\n\n\nST30\n\n\n\n\\# of transmission transactions from in-state to Foreign Countries\n\n\n\nReport the total number of transactions from in-state to foreign countries in the quarter.\n\n\n\nST40\n\n\n\n$ amount received for transmission \\(outbound\\) from in-state to Foreign Countries\n\n\n\nReport the total dollar amount of transactions from in-state to be sent to foreign countries in the quarter.\n\n\n\nST50\n\n\n\nTOTAL \\# of Money Transmission Transactions initiated in-state\n\n\n\nThe total \\# of All In-State Transmission Transactions for the quarter is automatically calculated.\n\n\n\nST60\n\n\n\nTOTAL $ Amount of Money Transmission Transactions initiated in- state\n\n\n\nThe total $ Amount of All In-State Transmission Transactions for the quarter is automatically calculated.\n\n\n\n\nST70\n\n\n\n\\# of payment instruments issued/sold in-state\n\n\n\nReport total number of payment instruments sold in-state during the quarter.\n\n\n\nST80\n\n\n\n$ amounts of payment instruments issued/sold in-state\n\n\n\nReport total dollar amount of payment instruments sold in-state during the quarter.\n\n\n\n\nST90\n\n\n\n\\# of stored value transactions in-state\n\n\n\nReport total number of stored value instruments sold/issued in-state during the quarter. Includes reloads. Does not include withdrawals.\n\n\n\nST100\n\n\n\n$ amount of stored value transactions in-stat",
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      "headings": [
        "MSB Call Report Section II \\(b\\): State Transaction Detail {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fce .reference}",
        "Section II \\(b\\): State Transaction Detail[^1] {#section_h3q_1k1_mgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/msbCR/topics/msbCR_sectIIb_stateTransDtl.html",
      "snippet": null
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    {
      "id": "maps/NMLS/licensing/msbCR/topics/msbCR_sectIIb_stateTransDtl.md:chunk-1",
      "title": "MSB Call Report Section II \\(b\\): State Transaction Detail {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fce .reference}",
      "content": "te\n\n\n\nReport total number of stored value instruments sold/issued in-state during the quarter. Includes reloads. Does not include withdrawals.\n\n\n\nST100\n\n\n\n$ amount of stored value transactions in-state\n\n\n\nReport total dollar amount of stored value sold/issued in-state during the quarter. Includes reloads. Does not include withdrawals.\n\n\n\n\nST110\n\n\n\n\\# of checks cashed in-state\n\n\n\nReport total number of checks cashed in-state during the quarter.\n\n\n\nST120\n\n\n\n$ amount of checks cashed in-state\n\n\n\nReport total dollar amount of checks cashed in-state during the quarter.\n\n\n\nST130\n\n\n\n$ amount of fees collected in-state\n\n\n\nReport total dollar amount of fees collected in-state in the quarter.\n\n\n\nST140\n\n\n\nMaximum percentage charged for check in-state\n\n\n\nReport the maximum percentage charged for a check in-state during the quarter.\n\n\n\n\nST150\n\n\n\n\\# of currency transactions completed in-state\n\n\n\nReport total number of currency exchange transactions during the quarter.\n\n\n\nST160\n\n\n\n$ amount of currency transactions completed in-state\n\n\n\nReport total U.S. dollar amount of currency transactions in-state during the quarter.\n\n\n\nST170\n\n\n\n$ amount of fees collected in-state\n\n\n\nReport total dollar amount of fees collected in-state in the quarter.\n\n\n\n\nST180\n\n\n\nTotal \\# of Virtual Currency to Virtual Currency Exchange Transactions Initiated In-State\n\n\n\nReport total number of virtual currency to virtual currency exchange transactions initiated in-state during the quarter. This shall only include transactions where the reporting entity is either the buyer or seller and is providing virtual currency to the customer in exchange for virtual currency.\n\n\n\nST190\n\n\n\nTotal $ amount of Virtual Currency to Virtual Currency Exchange Transactions Initiated In-State\n\n\n\nReport total dollar amount \\(in U.S. Dollars\\) of virtual currency to virtual currency exchange transactions initiated in-state during the quarter. This shall only include transactions where the reporting entity is either the buyer or selle",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_sectIIb_stateTransDtl.md",
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      "headings": [
        "MSB Call Report Section II \\(b\\): State Transaction Detail {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fce .reference}",
        "Section II \\(b\\): State Transaction Detail[^1] {#section_h3q_1k1_mgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/msbCR/topics/msbCR_sectIIb_stateTransDtl.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/msbCR/topics/msbCR_sectIIb_stateTransDtl.md:chunk-2",
      "title": "MSB Call Report Section II \\(b\\): State Transaction Detail {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fce .reference}",
      "content": "lars\\) of virtual currency to virtual currency exchange transactions initiated in-state during the quarter. This shall only include transactions where the reporting entity is either the buyer or seller and is providing virtual currency to the customer in exchange for virtual currency. The U.S. Dollar exchange rate must represent a generally accepted and recognized quoted price in the active market for the virtual currency at the time of the transaction. A blended index should be used if available.\n\n\n\nST200\n\n\n\nTotal \\# of Virtual Currency to U.S. Dollar Exchange Transactions Initiated In-State\n\n\n\nReport total number of virtual currency to U.S. Dollar exchange transactions initiated in-state during the quarter. This shall only include transactions where the reporting entity is providing U.S. Dollars to the customer in exchange for virtual currency.\n\n\n\nST210\n\n\n\nTotal $ amount of Virtual Currency to U.S. Dollar Exchange Transactions Initiated In-State\n\n\n\nReport total dollar amount \\(in U.S. Dollars\\) of virtual currency to U.S. Dollar exchange transactions initiated in-state during the quarter. This shall only include transactions where the reporting entity is providing U.S. Dollars to the customer in exchange for virtual currency. The U.S. Dollar exchange rate must represent a generally accepted and recognized quoted price in the active market for the virtual currency at the time of the transaction. A blended index should be used if available.\n\n\n\nST220\n\n\n\nTotal \\# of U.S. Dollar to Virtual Currency Exchange Transactions Initiated In-State\n\n\n\nReport total number of U.S. Dollar to virtual currency exchange transactions initiated in-state during the quarter. This shall only include transactions where the reporting entity is providing virtual currency to the customer in exchange for U.S. Dollars.\n\n\n\nST230\n\n\n\nTotal $ amount of U.S. Dollar to Virtual Currency Exchange Transactions Initiated In-State\n\n\n\nReport total dollar amount \\(in U.S. Dollars\\) of U.S. Dollar to virtual ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_sectIIb_stateTransDtl.md",
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      "headings": [
        "MSB Call Report Section II \\(b\\): State Transaction Detail {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fce .reference}",
        "Section II \\(b\\): State Transaction Detail[^1] {#section_h3q_1k1_mgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/msbCR/topics/msbCR_sectIIb_stateTransDtl.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/msbCR/topics/msbCR_sectIIb_stateTransDtl.md:chunk-3",
      "title": "MSB Call Report Section II \\(b\\): State Transaction Detail {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fce .reference}",
      "content": "ge for U.S. Dollars.\n\n\n\nST230\n\n\n\nTotal $ amount of U.S. Dollar to Virtual Currency Exchange Transactions Initiated In-State\n\n\n\nReport total dollar amount \\(in U.S. Dollars\\) of U.S. Dollar to virtual currency exchange transactions initiated in-state during the quarter. This shall only include transactions where the reporting entity is providing virtual currency to the customer in exchange for U.S. Dollars. The U.S. Dollar exchange rate must represent a generally accepted and recognized quoted price in the active market for the virtual currency at the time of the transaction. A blended index should be used if available.\n\n\n\nST240\n\n\n\nTotal \\# of Virtual Currency to Virtual Currency Facilitated Exchange Transactions Involving In-State Party\n\n\n\nReport total number of virtual currency to virtual currency facilitated exchange transactions which occur on the reporting entity’s platform involving an in-state buyer and/or seller during the quarter where the reporting entity is neither the buyer nor seller.\n\n\n\nST250\n\n\n\nTotal $ amount of Virtual Currency to Virtual Currency Facilitated Exchange Transactions Involving In-State Party\n\n\n\nReport total dollar amount \\(in U.S. Dollars\\) of the virtual currency to virtual currency facilitated exchange transactions which occur on the reporting entity’s platform completed involving an in-state buyer and/or seller during the quarter where the reporting entity is neither the buyer nor seller. The U.S. Dollar exchange rate must represent a generally accepted and recognized quoted price in the active market for either virtual currency at the time of the transaction. A blended index should be used if available.\n\n\n\nST280\n\n\n\nTotal \\# of Virtual Currency to/from U.S. Dollar Facilitated Exchange Transactions Involving In-State Party\n\n\n\nReport total number of virtual currency to U.S. Dollar, or vice versa, facilitated exchange transactions which occur on the reporting entity’s platform completed involving an in-state buyer and/or seller during th",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_sectIIb_stateTransDtl.md",
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        "MSB Call Report Section II \\(b\\): State Transaction Detail {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fce .reference}",
        "Section II \\(b\\): State Transaction Detail[^1] {#section_h3q_1k1_mgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/msbCR/topics/msbCR_sectIIb_stateTransDtl.html",
      "snippet": null
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    {
      "id": "maps/NMLS/licensing/msbCR/topics/msbCR_sectIIb_stateTransDtl.md:chunk-4",
      "title": "MSB Call Report Section II \\(b\\): State Transaction Detail {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fce .reference}",
      "content": "number of virtual currency to U.S. Dollar, or vice versa, facilitated exchange transactions which occur on the reporting entity’s platform completed involving an in-state buyer and/or seller during the quarter where the reporting entity is neither the buyer nor seller.\n\n\n\nST290\n\n\n\nTotal $ amount of Virtual Currency to/from U.S. Dollar Facilitated Exchange Transactions Involving In-State Party\n\n\n\nReport total dollar amount \\(in U.S. Dollars\\) of virtual currency to U.S. Dollar, or vice versa, facilitated exchange transactions which occur on the reporting entity’s platform involving an in-state buyer and/or seller during the quarter where the reporting entity is neither the buyer nor seller. The U.S. Dollar exchange rate must represent a generally accepted and recognized quoted price in the active market for the virtual currency at the time of the transaction. A blended index should be used if available.\n\n\n\nST300\n\n\n\nTotal \\# of Virtual Currency Stored Value Transactions Initiated In State\n\n\n\nReport total number of virtual currency stored value transactions during the quarter initiated in-state where the customer transfers virtual currency assets to a wallet hosted on the reporting entity’s platform.\n\n\n\nST310\n\n\n\nTotal $ amount of Virtual Currency Stored Value Transactions Initiated In-State\n\n\n\nReport total dollar amount \\(in U.S. Dollars\\) of virtual currency stored value transactions during the quarter initiated in-state where the customer provides the reporting entity with virtual currency and the reporting entity maintains control. The U.S. Dollar exchange rate must represent a generally accepted and recognized quoted price in the active market for the virtual currency at the time of the transaction. A blended index should be used if available.\n\n\n\nST320\n\n\n\nTotal \\# of Virtual Currency Transmissions Initiated In-State\n\n\n\nReport total number of virtual currency transmissions during the quarter initiated in-state that are not exchange transactions.\n\n\n\nST330\n\n\n\nTotal $ ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_sectIIb_stateTransDtl.md",
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      "headings": [
        "MSB Call Report Section II \\(b\\): State Transaction Detail {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fce .reference}",
        "Section II \\(b\\): State Transaction Detail[^1] {#section_h3q_1k1_mgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/msbCR/topics/msbCR_sectIIb_stateTransDtl.html",
      "snippet": null
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    {
      "id": "maps/NMLS/licensing/msbCR/topics/msbCR_sectIIb_stateTransDtl.md:chunk-5",
      "title": "MSB Call Report Section II \\(b\\): State Transaction Detail {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fce .reference}",
      "content": "irtual Currency Transmissions Initiated In-State\n\n\n\nReport total number of virtual currency transmissions during the quarter initiated in-state that are not exchange transactions.\n\n\n\nST330\n\n\n\nTotal $ amount of Virtual Currency Transmissions Initiated In-State\n\n\n\nReport total dollar amount \\(in U.S. Dollars\\) of virtual currency transmissions during the quarter initiated in-state that are not exchange transactions. The U.S. Dollar exchange rate must represent a generally accepted and recognized quoted price in the active market for the virtual currency at the time of the transaction. A blended index should be used if available.\n\n\n\nST340\n\n\n\nTOTAL \\# of Virtual Currency Transactions Initiated In-\n\n\n\nState The total \\# of in-state transactions for the quarter is automatically calculated. Equals the sum of ST 180, ST 200, ST 220, ST 240, ST 280, ST 300, and ST 320.\n\n\n\nST350\n\n\n\nTOTAL $ Amount of Virtual Currency Transactions Initiated In State\n\n\n\nThe total $ amount of in-state transactions for the quarter is automatically calculated. Equals the sum of ST 190, ST 210, ST 230, ST250, ST 290, ST 310, and ST 330.\n\n\n\n\nST360\n\n\n\nSurety Bond\n\n\n\nReport the amount of the surety bond held in the state.\n\n\n\nST361\n\n\n\nTotal Average Daily Outstanding Transmission Liability \\(ADTL\\) in the State\n\n\n\nReport the average daily transmission liability \\(ADTL\\) in the state for the quarter.\n\n\n\nST362\n\n\n\nSurety Bond Amount for Permissible Investment\n\n\n\nST360 minus ST361\n\n\n**Parent topic:**NMLS MSB Call Report Sections and Definitions\n\n[^1]: State level transaction information only required to be completed in states that adopt the report that the company is licensed in. Activity types that are not conducted by the licensee are not required, by the system, to be completed.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_sectIIb_stateTransDtl.md",
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        "MSB Call Report Section II \\(b\\): State Transaction Detail {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fce .reference}",
        "Section II \\(b\\): State Transaction Detail[^1] {#section_h3q_1k1_mgc .section}"
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      "snippet": null
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    {
      "id": "maps/NMLS/licensing/msbCR/topics/msbCR_sectI_finCondition.md:chunk-0",
      "title": "MSB Call Report Section I: Financial Condition Report {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fd1 .reference}",
      "content": "# MSB Call Report Section I: Financial Condition Report \n\nDescriptions and instructions for data fields FC10 to FC680.\n\n## Section I: Financial Condition Report \n\n\n\nFC10\n\n\n\nCash on Hand and in Bank\n\n\n\nInclude cash on hand, cash in transit, checks, drafts, ACH credits in the process of clearing, certificates of deposit \\(CDs\\), and demand and time balances of accounts at federally insured financial institutions in the United States and banks in foreign countries.\n\n\n\nFC20\n\n\n\nDue from agents \\(net of allowance for doubtful accounts\\)\n\n\n\nInclude all moneys owed to licensee from receiving and paying agents net of allowance for doubtful accounts. Also include all money advanced or pre-funded to a paying agent for the purposes of paying transmission liability to beneficiaries.\n\n\n\nFC30\n\n\n\nAmount of allowance for doubtful accounts\n\n\n\nDollar amount of allowance for doubtful accounts related to the amount due from agents.\n\n\n\nFC40\n\n\n\nAccounts receivable \\(net of allowance for doubtful accounts\\)\n\n\n\nMoney owed to licensee by a customer or other party for products and services provided on credit net of allowance for doubtful accounts. This sum represents amounts that are owed to the licensee which are not transmission liabilities or long-term extensions of credit.\n\n\n\nFC50\n\n\n\nAmount of allowance for doubtful accounts\n\n\n\nDollar amount of allowance for doubtful accounts related to accounts receivable.\n\n\n\nFC60\n\n\n\nInter-company receivables\n\n\n\nInclude all accounts receivable and notes receivable and other monetary obligations due from affiliates, shareholders, or parent corporation expected to be paid during the current operating cycle. These items should be rounded on a gross basis, “debit balance.”\n\n\n\nFC70\n\n\n\nNotes/other receivables\n\n\n\nInclude all note/other receivables other than intercompany receivables with the amount rounded on a gross basis, “debit balance.”\n\n\n\nFC80\n\n\n\nInvestments \\(including government securities\\)\n\n\n\nInclude all investments in government securities, marketable",
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      "headings": [
        "MSB Call Report Section I: Financial Condition Report {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fd1 .reference}",
        "Section I: Financial Condition Report {#section_sjh_23s_gtb .section}"
      ],
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    {
      "id": "maps/NMLS/licensing/msbCR/topics/msbCR_sectI_finCondition.md:chunk-1",
      "title": "MSB Call Report Section I: Financial Condition Report {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fd1 .reference}",
      "content": "ompany receivables with the amount rounded on a gross basis, “debit balance.”\n\n\n\nFC80\n\n\n\nInvestments \\(including government securities\\)\n\n\n\nInclude all investments in government securities, marketable securities, bankers acceptances, commercial paper, etc.\n\n\n\nFC90\n\n\n\nVirtual currency \\(in U.S. Dollars\\)\n\n\n\nAny virtual currency held as an asset. This shall only include virtual currency held and solely controlled by the company. The U.S. Dollar exchange rate must represent a generally accepted and recognized quoted price in the active market for the virtual currency. A blended index should be used if available.\n\n\n\nFC100\n\n\n\nOther current assets\n\n\n\nInclude other assets expected to be realized in cash, sold or consumed during the next year, i.e., inventory, prepaid, etc. An explanatory note \\(FC100NOTE\\) must be provided if Other Current Assets \\(FC100\\) exceeds 20% of Total Current Assets \\(FC110\\).\n\n\n\nFC100NOTE\n\n\n\nOther current assets - Explanatory Note\n\n\n\nOptional Explanatory Note\n\n\n\nFC100PDF\n\n\n\nOther current assets - Supporting Document\n\n\n\nOptional Upload of PDF Document Supporting Explanatory Note\n\n\n\nFC110\n\n\n\nTotal current assets\n\n\n\nSum of lines FC10 through FC100 \\(excluding FC30 and FC50\\)\n\n\n\nFC120\n\n\n\nPremises, furniture, fixtures and equipment \\(net of accumulated depreciation\\)\n\n\n\nReport the book value, less accumulated depreciation or amortization of all premises, furniture, fixtures and equipment purchased directly or acquired by means of a capital lease. Include any real estate purchased and intended to be used for future expansion. Do not deduct mortgages or loans on any such property. These should be reported as Liabilities.\n\n\n\nFC130\n\n\n\nInvestments in subsidiaries not consolidated\n\n\n\nReport the amount of the company’s investment in the stock of all subsidiaries that have not been consolidated.\n\n\n\nFC140\n\n\n\nGoodwill and other intangibles\n\n\n\nReport all non-monetary assets that cannot be seen, touched or physically measured and which are created through time an",
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        "MSB Call Report Section I: Financial Condition Report {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fd1 .reference}",
        "Section I: Financial Condition Report {#section_sjh_23s_gtb .section}"
      ],
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      "id": "maps/NMLS/licensing/msbCR/topics/msbCR_sectI_finCondition.md:chunk-2",
      "title": "MSB Call Report Section I: Financial Condition Report {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fd1 .reference}",
      "content": " that have not been consolidated.\n\n\n\nFC140\n\n\n\nGoodwill and other intangibles\n\n\n\nReport all non-monetary assets that cannot be seen, touched or physically measured and which are created through time and/or effort.\n\n\n\nFC150\n\n\n\nOther assets Report all other assets not included above.\n\n\n\nAn explanatory note \\(FC150NOTE\\) must be provided if Other Assets \\(FC150\\) exceeds 20% of Total Assets \\(FC160\\).\n\n\n\nFC150NOTE\n\n\n\nOther assets - Explanatory Note\n\n\n\nOptional Explanatory Note\n\n\n\nFC150PDF\n\n\n\nOther assets - Supporting Document\n\n\n\nOptional Upload of PDF Document Supporting Explanatory Note\n\n\n\nFC160\n\n\n\nTOTAL ASSETS\n\n\n\nSum of lines FC110 through FC150\n\n\n\n\nFC170\n\n\n\nAccounts payable\n\n\n\nReport all accounts payable, including moneys owed to receiving and paying agents. Items should be rounded on a gross basis, “credit balance.”\n\n\n\nFC180\n\n\n\nInter-company payables\n\n\n\nReport all accounts payable, notes payable, and other monetary obligations to affiliates, shareholders, parent corporation expected to be liquidated during the current operating cycle and should be rounded on a gross basis, “credit balance.”\n\n\n\nFC190\n\n\n\nNotes/other payables\n\n\n\nInclude non-intercompany payables and other notes payable expected to become due or payable in the next 12 months. This item should be rounded on a gross basis, “credit balance.”\n\n\n\nFC200\n\n\n\nOutstanding money received for transmission liability\n\n\n\nReport licensee’s total amount of money received for transmission and not yet paid to beneficiaries. This amount should include all outstanding transmission liability.\n\n\n\nFC210\n\n\n\nOutstanding payment instruments\n\n\n\nReport licensee’s total amount of outstanding payment instruments \\(including money orders, and travelers’ checks\\) issued on behalf of others and not yet paid to beneficiaries or negotiated. This amount should include all outstanding payment instrument liability.\n\n\n\nFC220\n\n\n\nOutstanding stored value\n\n\n\nReport licensee’s total amount of outstanding stored value. This amount should include a",
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      "headings": [
        "MSB Call Report Section I: Financial Condition Report {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fd1 .reference}",
        "Section I: Financial Condition Report {#section_sjh_23s_gtb .section}"
      ],
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      "snippet": null
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    {
      "id": "maps/NMLS/licensing/msbCR/topics/msbCR_sectI_finCondition.md:chunk-3",
      "title": "MSB Call Report Section I: Financial Condition Report {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fd1 .reference}",
      "content": "his amount should include all outstanding payment instrument liability.\n\n\n\nFC220\n\n\n\nOutstanding stored value\n\n\n\nReport licensee’s total amount of outstanding stored value. This amount should include all outstanding stored value liability.\n\n\n\nFC230\n\n\n\nOutstanding virtual currency liability \\(in U.S. Dollars\\) Report licensee’s total amount of outstanding virtual currency.\n\n\n\nThis amount should include all outstanding virtual currency liability. The U.S. Dollar exchange rate must represent a generally accepted and recognized quoted price in the active market for the virtual currency. A blended index should be used if available.\n\n\n\nFC240\n\n\n\nOther current liabilities \\(i.e., Accrued expenses, income tax payable, current portion of long term debt, etc.\\)\n\n\n\nInclude all other current liabilities that the licensee expects to satisfy within one year. An explanatory note \\(FC240NOTE\\) must be provided if Other Current Liabilities \\(FC240\\) exceeds 20% of Total Current Liabilities \\(FC250\\).\n\n\n\nFC240NOTE\n\n\n\nOther current liabilities - Explanatory Note\n\n\n\nOptional Explanatory Note\n\n\n\nFC240PDF\n\n\n\nOther current liabilities - Supporting Document\n\n\n\nOptional Upload of PDF Document Supporting Explanatory Note\n\n\n\nFC250\n\n\n\nTotal Current Liabilities\n\n\n\nSum of lines FC170 through FC240\n\n\n\nFC260\n\n\n\nLong term notes payable\n\n\n\nInclude mortgages and other real estate secured loans as well as any notes due in excess of one year.\n\n\n\nFC270\n\n\n\nOther Liabilities\n\n\n\nReport all other liabilities not included above. An explanatory note \\(FC270NOTE\\) must be provided if Other Liabilities \\(FC270\\) exceeds 20% of Total Liabilities\n\n\n\nFC270NOTE\n\n\n\nOther Liabilities - Explanatory Note\n\n\n\nOptional Explanatory Note\n\n\n\nFC270PDF\n\n\n\nOther Liabilities - Supporting Document\n\n\n\nOptional Upload of PDF Document Supporting Explanatory Note\n\n\n\nFC280\n\n\n\nTOTAL LIABILITIES\n\n\n\nSum of lines FC250 through FC270\n\n\n\n\nFC290\n\n\n\nPreferred stock\n\n\n\nReport the amount of preferred stock outstanding and number of shares outstan",
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      "headings": [
        "MSB Call Report Section I: Financial Condition Report {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fd1 .reference}",
        "Section I: Financial Condition Report {#section_sjh_23s_gtb .section}"
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      "id": "maps/NMLS/licensing/msbCR/topics/msbCR_sectI_finCondition.md:chunk-4",
      "title": "MSB Call Report Section I: Financial Condition Report {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fd1 .reference}",
      "content": "porting Explanatory Note\n\n\n\nFC280\n\n\n\nTOTAL LIABILITIES\n\n\n\nSum of lines FC250 through FC270\n\n\n\n\nFC290\n\n\n\nPreferred stock\n\n\n\nReport the amount of preferred stock outstanding and number of shares outstanding on their respective lines. This number should be the actual number outstanding. For example, 10,000 shares should be listed as 10,000, not 10. Different classes of stock should be combined to result in one figure.\n\n\n\nFC300\n\n\n\nNumber of shares outstanding \\(as actual number\\)\n\n\n\nTotal number of preferred stock shares outstanding.\n\n\n\nFC310\n\n\n\nCommon stock\n\n\n\nReport amount of outstanding, number of shares authorized and number of shares outstanding on their respective lines. This number should be the actual number outstanding. For example, 10,000 shares should be listed as 10,000, not 10. Different classes of stock should be combined to result in one figure.\n\n\n\nFC320\n\n\n\nNumber of shares authorized \\(use actual number\\)\n\n\n\nTotal number of common stock shares authorized.\n\n\n\nFC330\n\n\n\nNumber of shares outstanding \\(use actual number\\)\n\n\n\nTotal number of common stock shares outstanding.\n\n\n\nFC340\n\n\n\nPaid-in-capital in excess of par\n\n\n\nInclude amounts received in excess of par or stated value of stock.\n\n\n\nFC350\n\n\n\nTotal Contributed Capital\n\n\n\nSum of lines FC29 through FC34 \\(excluding FC300, FC320, and FC330\\)\n\n\n\nFC360\n\n\n\nRetained earnings\n\n\n\nReport the amount of retained earnings, including year to date net income. Do not include income reported in Other comprehensive income .\n\n\n\nFC370\n\n\n\nOther comprehensive income\n\n\n\nReport the amount of other comprehensive income, including year-to-date adjustments. Other comprehensive income \\(loss\\) consists of net income \\(losses\\) affecting shareholders’ equity that, under Generally Accepted Accounting Principles are excluded from net income \\(loss\\). For example, comprehensive income \\(loss\\) consists of foreign currency translation adjustments, net unrealized holding gains \\(losses\\) on available for sale securities, accumulated net",
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      "headings": [
        "MSB Call Report Section I: Financial Condition Report {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fd1 .reference}",
        "Section I: Financial Condition Report {#section_sjh_23s_gtb .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/msbCR/topics/msbCR_sectI_finCondition.html",
      "snippet": null
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    {
      "id": "maps/NMLS/licensing/msbCR/topics/msbCR_sectI_finCondition.md:chunk-5",
      "title": "MSB Call Report Section I: Financial Condition Report {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fd1 .reference}",
      "content": "ome \\(loss\\). For example, comprehensive income \\(loss\\) consists of foreign currency translation adjustments, net unrealized holding gains \\(losses\\) on available for sale securities, accumulated net gains \\(losses\\) on cash flow hedges, and minimum pension liability adjustments.\n\n\n\nFC380\n\n\n\nShareholder distribution\n\n\n\nInclude dividends declared and paid.\n\n\n\nFC390\n\n\n\nTOTAL SHAREHOLDERS' EQUITY\n\n\n\nSum of lines FC350 through FC380\n\n\n\nFC400\n\n\n\nTOTAL LIABILITIES AND SHAREHOLDERS' EQUITY\n\n\n\nSum of lines FC280 and FC390\n\n\n\n\nFC410\n\n\n\nFee income from money received for transmission\n\n\n\nDollar amount of fee income from money received for money transmission. Include fees, service charges and commissions for money transmission only.\n\n\n\nFC420\n\n\n\nFee income from sale issuance of payments instruments\n\n\n\nDollar amount of fee income from sale issuance of payment instruments. Include fees, service charges and commissions for payment instruments only.\n\n\n\nFC430\n\n\n\nFee income from sale issuance of stored value\n\n\n\nDollar amount of fee income from sale issuance of stored value. Include fees, service charges and commissions for stored value only.\n\n\n\nFC440\n\n\n\nFee income from check cashing services\n\n\n\nDollar amount of fee income from check cashing services. Include fees, service charges and commissions for check cashing services only.\n\n\n\nFC450\n\n\n\nFee income from currency exchange services\n\n\n\nDollar amount of fee income from currency exchange services. Include fees, service charges and commissions for currency exchange services only.\n\n\n\nFC460\n\n\n\nInterest and dividends\n\n\n\nInclude interest and fee income on loans, interest income on deposits with financial institutions and interest on investments including government securities.\n\n\n\nFC470\n\n\n\nForeign exchange gains or losses\n\n\n\nThis is the earnings or loss incurred from buying and selling foreign currency connected with the licensees business. It is the difference between the cost and the gain/loss of foreign exchange in converting a transaction",
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      "headings": [
        "MSB Call Report Section I: Financial Condition Report {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fd1 .reference}",
        "Section I: Financial Condition Report {#section_sjh_23s_gtb .section}"
      ],
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      "id": "maps/NMLS/licensing/msbCR/topics/msbCR_sectI_finCondition.md:chunk-6",
      "title": "MSB Call Report Section I: Financial Condition Report {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fd1 .reference}",
      "content": "or loss incurred from buying and selling foreign currency connected with the licensees business. It is the difference between the cost and the gain/loss of foreign exchange in converting a transaction to the currency of the receiving country. Also include amounts gained or lost from the difference between the exchange rate charged to customers and the rate at which the licensee is able to acquire the currency.\n\n\n\nFC480\n\n\n\nOther income\n\n\n\nAll income not included in above. An explanatory note \\(FC480NOTE\\) must be provided if Other Income \\(FC480\\) exceeds 20% of Total Revenue \\(FC490\\).\n\n\n\nFC480NOTE\n\n\n\nOther income - Explanatory Note\n\n\n\nOptional Explanatory Note\n\n\n\nFC480PDF\n\n\n\nOther income - Supporting Document\n\n\n\nOptional Upload of PDF Document Supporting Explanatory Note\n\n\n\nFC490\n\n\n\nTOTAL REVENUE\n\n\n\nSum of lines FC410 through FC480\n\n\n\n\nFC500\n\n\n\nSalaries and employee benefits\n\n\n\nSalaries and employee benefits for officers and employees.\n\n\n\nFC510\n\n\n\nAgent fees\n\n\n\nFees paid to the agent for services rendered on behalf of the licensee \\(domestic and international\\).\n\n\n\nFC520\n\n\n\nRent Expenses for the use of premises, equipment, furniture and fixtures, janitorial services, utilities, etc.\n\n\n\n\n\nFC530\n\n\n\nInterest expense\n\n\n\nInclude interest on deposits, mortgages, capital notes, borrowings from financial institutions and obligations on capitalized leases. Do not include interest on borrowings from principals, parent companies, subsidiaries or affiliates \\(Report this under Other Expenses \\).\n\n\n\nFC540\n\n\n\nDepreciation and amortization\n\n\n\nExpenses related to the write-off of non-earning assets in accordance with generally acceptable accounting principles \\(GAAP\\).\n\n\n\nFC550\n\n\n\nCommunication expense\n\n\n\nExpenses related to telephone, facsimile, telegram, postage, and other related expenses.\n\n\n\nFC560\n\n\n\nProfessional services expense\n\n\n\nExpenses related to legal, accounting, consulting, examination fees, and other related expenses.\n\n\n\nFC570\n\n\n\nMarketing and promotion\n\n\n\nExpenses r",
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      "headings": [
        "MSB Call Report Section I: Financial Condition Report {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fd1 .reference}",
        "Section I: Financial Condition Report {#section_sjh_23s_gtb .section}"
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      "id": "maps/NMLS/licensing/msbCR/topics/msbCR_sectI_finCondition.md:chunk-7",
      "title": "MSB Call Report Section I: Financial Condition Report {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fd1 .reference}",
      "content": "xpenses.\n\n\n\nFC560\n\n\n\nProfessional services expense\n\n\n\nExpenses related to legal, accounting, consulting, examination fees, and other related expenses.\n\n\n\nFC570\n\n\n\nMarketing and promotion\n\n\n\nExpenses related to advertising and the selling of goods and services.\n\n\n\nFC580\n\n\n\nInsurance expense\n\n\n\nPremium expense for fidelity insurance, surety bond, directors’ and officers’ liability insurance and life insurance policies for which the licensee is the beneficiary.\n\n\n\nFC590\n\n\n\nOther expenses\n\n\n\nReport all other operating expenses not included above. An explanatory note \\(FC590NOTE\\) must be provided if Other Expenses \\(FC590\\) exceeds 20% of Total Expenses \\(FC600\\).\n\n\n\nFC590NOTE\n\n\n\nOther expenses - Explanatory Note\n\n\n\nOptional Explanatory Note\n\n\n\nFC590PDF\n\n\n\nOther expenses - Supporting Document\n\n\n\nOptional Upload of PDF Document Supporting Explanatory Note\n\n\n\nFC600\n\n\n\nTOTAL EXPENSES\n\n\n\nSum of lines FC500 through FC590\n\n\n\nFC610\n\n\n\nIncome from Continuing Operations before Income Tax\n\n\n\nFC490 minus FC600\n\n\n\nFC620\n\n\n\nIncome tax\n\n\n\nFederal and state income tax on line FC610\n\n\n\nFC630\n\n\n\nNet Income \\(loss\\)\n\n\n\nFC610 minus FC620\n\n\n\nFC640\n\n\n\nDiscontinued operations,\n\n\n\nNet of tax effect Income or \\(loss\\) from the sale of a segment of the business.\n\n\n\nFC650\n\n\n\nOther comprehensive income/currency translation adjustments\n\n\n\nInclude net unrealized holding gains \\(losses\\) on available for sale securities, accumulated net gains \\(losses\\) on cash flow hedges, foreign currency translation adjustments, and pension and other post-retirement plan related changes, other than net periodic benefit cost. Currency translation adjustment includes revenue earnings, or loss incurred, at the end of the reporting period when translating foreign currency accounts to U.S. Dollars, as further defined under FASB 52 – Foreign Currency Translation.\n\n\n\nFC660\n\n\n\nIncome before extraordinary items\n\n\n\nSum of lines FC630 through FC650\n\n\n\nFC670\n\n\n\nExtraordinary items,\n\n\n\nnet of tax effect Material, unusual, non",
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      "headings": [
        "MSB Call Report Section I: Financial Condition Report {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fd1 .reference}",
        "Section I: Financial Condition Report {#section_sjh_23s_gtb .section}"
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    {
      "id": "maps/NMLS/licensing/msbCR/topics/msbCR_sectI_finCondition.md:chunk-8",
      "title": "MSB Call Report Section I: Financial Condition Report {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fd1 .reference}",
      "content": "r FASB 52 – Foreign Currency Translation.\n\n\n\nFC660\n\n\n\nIncome before extraordinary items\n\n\n\nSum of lines FC630 through FC650\n\n\n\nFC670\n\n\n\nExtraordinary items,\n\n\n\nnet of tax effect Material, unusual, nonrecurring or infrequent items.\n\n\n\nFC680\n\n\n\nComprehensive Income\n\n\n\nSum of lines FC660 and FC670\n\n\n**Parent topic:**NMLS MSB Call Report Sections and Definitions",
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        "MSB Call Report Section I: Financial Condition Report {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fd1 .reference}",
        "Section I: Financial Condition Report {#section_sjh_23s_gtb .section}"
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      "id": "maps/NMLS/licensing/msbCR/topics/msbCR_sectionIII_permissibleInvest.md:chunk-0",
      "title": "MSB Call Report Section III: Permissible Investments Report {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fcd .reference}",
      "content": "# MSB Call Report Section III: Permissible Investments Report \n\nDescriptions and instructions for data fields PI10 to PI180.\n\n## Section III: Permissible Investments Report[^1] \n\n\n\nPI10\n\n\n\nDeposits in Domestic Banks\n\n\n\nReport cash, time deposits, savings deposits, demand deposits, a certificate of deposit, or senior debt obligation of accounts at federally insured financial institutions in the United States as defined in section 3 of the federal Deposit Insurance Act \\(12 U.S.C. Sec. 1813\\) or as defined under the federal Credit Union Act \\(12 U.S.C. Sec. 1781\\).\n\n\n\nPI20\n\n\n\nDeposits in All Foreign Banks\n\n\n\nReport all cash, time deposits, savings deposits, demand deposits, certificate of deposits, or senior debt obligation of accounts in foreign banks.\n\n\n\nPI21\n\n\n\nDeposits in Stipulated Foreign Banks\n\n\n\nReport only cash, time deposits, savings deposits, demand deposits, certificate of deposits, or senior debt obligation of accounts in foreign banks where the bank has an eligible rating, is registered under the Foreign Account Tax compliance, is not located in any country subject to sanctions from the Office of Foreign Asset Control, and is not located in a high-risk or non-cooperative jurisdiction as designated by the Financial Action Task Force.\n\n\n\nPI30\n\n\n\nCash on Hand and in Transit\n\n\n\nReport all cash equivalents including cash on hand, cash in transit including ACH items in transit to the licensee and ACH items or international wires in transit to a payee, cash in transit via armored car, cash in smart safes, cash in licensee-owned locations, checks, and drafts.\n\n\n\nPI31\n\n\n\nDebit card and Credit-card Funded Transmissions\n\n\n\nReport debit card or credit card-funded transmission receivables owed by any bank.\n\n\n\nPI32\n\n\n\nMoney market mutual funds rated AAA\n\n\n\nReport the amount of money market mutual funds rated “AAA” by S&P, or the equivalent from another other eligible rating service.\n\n\n\nPI40\n\n\n\nTotal Cash on Hand and in Bank\n\n\n\nSum of lines PI 10, PI20, PI30, PI31, PI3",
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        "MSB Call Report Section III: Permissible Investments Report {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fcd .reference}",
        "Section III: Permissible Investments Report[^1] {#section_g2h_w41_mgc .section}"
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      "title": "MSB Call Report Section III: Permissible Investments Report {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fcd .reference}",
      "content": "nt of money market mutual funds rated “AAA” by S&P, or the equivalent from another other eligible rating service.\n\n\n\nPI40\n\n\n\nTotal Cash on Hand and in Bank\n\n\n\nSum of lines PI 10, PI20, PI30, PI31, PI32\n\n\n\nPI50\n\n\n\nIrrevocable Letter of Credit\n\n\n\nReport amount of irrevocable, unconditional letters of credit issued by a federally insured financial institution.\n\n\n\nPI60\n\n\n\nDue from agents \\(net of allowance for doubtful accounts\\)\n\n\n\nInclude all moneys owed to licensee from receiving and paying agents net of allowance for doubtful accounts. Also include all money advanced or pre funded to a paying agent for the purposes of paying transmission liability to beneficiaries.\n\n\n\nPI61\n\n\n\nDue from authorized delegates \\(less than seven days old\\)\n\n\n\nInclude all receivables that are payable to the licensee from its authorized delegates in the ordinary course of business that are less than seven days old.\n\n\n\nPI62\n\n\n\nDue from all authorized delegates in excess of 10% of the aggregate value of the licensee’s total permissible investments\n\n\n\nInclude all receivables that are payable to the licensee from each authorized delegate in the ordinary course of business that are less than seven days old that exceed 10% of the aggregate value of the licensee’s total permissible investments.\n\n\n\nPI63\n\n\n\nAllowable amount due from authorized delegates \\(less than seven days old\\)\n\n\n\nPI61 minus PI62\n\n\n\nPI70\n\n\n\nInvestments rated A or its equivalent and above\n\n\n\nReport the amount of investments that are rated A or its equivalent or above. Only include investments that are rated by a nationally recognized organization that rates securities. This should equal the sum of lines PI71 through PI76.\n\n\n\nPI71\n\n\n\nShort-term investments\n\n\n\nReport the amount of short-term \\(up to six months\\) investments bearing an eligible rating.\n\n\n\nPI72\n\n\n\nCommercial paper\n\n\n\nReport the amount of commercial paper bearing an eligible rating.\n\n\n\nPI73\n\n\n\nU.S. tri-party repurchase agreements\n\n\n\nReport the amount of U.S tri-party ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_sectionIII_permissibleInvest.md",
      "relative_path": "maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_sectionIII_permissibleInvest.md",
      "headings": [
        "MSB Call Report Section III: Permissible Investments Report {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fcd .reference}",
        "Section III: Permissible Investments Report[^1] {#section_g2h_w41_mgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/msbCR/topics/msbCR_sectionIII_permissibleInvest.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/msbCR/topics/msbCR_sectionIII_permissibleInvest.md:chunk-2",
      "title": "MSB Call Report Section III: Permissible Investments Report {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fcd .reference}",
      "content": "eligible rating.\n\n\n\nPI72\n\n\n\nCommercial paper\n\n\n\nReport the amount of commercial paper bearing an eligible rating.\n\n\n\nPI73\n\n\n\nU.S. tri-party repurchase agreements\n\n\n\nReport the amount of U.S tri-party repurchase agreements collateralized at 100% or more with U.S. government or agency securities, municipal bonds, or other securities bearing an eligible rating.\n\n\n\nPI74\n\n\n\nMoney market mutual funds rated less than AAA or its equivalent and higher than A-\n\n\n\nReport the amount of money market mutual funds that are rated less than “AAA” or its equivalent and higher than “A-” by S&P, or the equivalent from any other eligible rating service.\n\n\n\nPI75\n\n\n\nMutual funds\n\n\n\nReport the amount of mutual funds or other investment funds composed solely and exclusively of cash, certificates of deposit or senior debt obligations of an insured depository institution, obligation of the United States or a commission, agency, or instrumentality thereof, an obligation that is guaranteed fully as to principal and interest by the United States, or an obligation of a state governmental subdivision, agency, or instrumentality thereof.\n\n\n\nPI76\n\n\n\nBills, notes, bonds, or debentures\n\n\n\nReport the amount of bills, notes, bonds, or debentures bearing an eligible rating that are not listed in PI71 through PI75 or PI90.\n\n\n\nPI80\n\n\n\nInvestments rated BBB or its equivalent and lower or non rated\n\n\n\nReport the amount of investments that are rated below A or below the equivalent of A, and/or not rated.\n\n\n\nPI90\n\n\n\nInvestments in Securities of the U.S. Treasury and Other Agencies and Instrumentalities\n\n\n\nReport investment securities that are an obligation of the United States or a commission, agency, or instrumentality thereof; an obligation that is guaranteed fully as to principal and interest by the United States; or an obligation of a state or a governmental subdivision, agency, or instrumentality thereof.\n\n\n\nPI100\n\n\n\nOther Investments\n\n\n\nReport all other investments not included above. An explanatory note",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_sectionIII_permissibleInvest.md",
      "relative_path": "maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_sectionIII_permissibleInvest.md",
      "headings": [
        "MSB Call Report Section III: Permissible Investments Report {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fcd .reference}",
        "Section III: Permissible Investments Report[^1] {#section_g2h_w41_mgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/msbCR/topics/msbCR_sectionIII_permissibleInvest.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/msbCR/topics/msbCR_sectionIII_permissibleInvest.md:chunk-3",
      "title": "MSB Call Report Section III: Permissible Investments Report {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fcd .reference}",
      "content": "es; or an obligation of a state or a governmental subdivision, agency, or instrumentality thereof.\n\n\n\nPI100\n\n\n\nOther Investments\n\n\n\nReport all other investments not included above. An explanatory note \\(PI100NOTE\\) must be provided if Other Investments \\(PI100\\) exceeds 20% of Subtotal for Permissible Investment Calculation \\(PI105\\).\n\n\n\nPI100NOTE\n\n\n\nOther Investments - Explanatory Note\n\n\n\nOptional Explanatory Note\n\n\n\nPI100PDF\n\n\n\nOther Investments - Supporting Document\n\n\n\nOptional Upload of PDF Document Supporting Explanatory Note\n\n\n\nPI105\n\n\n\nSubtotal for Permissible Investment Calculation\n\n\n\nSum of lines PI40, PI50, PI60, PI70, PI80, PI90, PI100. This sum does not take into account any amounts that exceed caps on permissible investments that may be imposed by state law.\n\n\n\nPI110\n\n\n\nAmount pledged or restricted\n\n\n\nReport the amount pledged or restricted\n\n\n\nPI115\n\n\n\nUnrestricted Total for Permissible Investment Calculation\n\n\n\nPI 110 subtracted from PI 105\n\n\n\n\nPI120\n\n\n\nTotal Outstanding Transmission Liability\n\n\n\nReport licensee’s total amount of money received for transmission and not yet paid to beneficiaries. This amount should include all outstanding transmission liability.\n\n\n\nPI130\n\n\n\nTotal Average Daily Outstanding Transmission Liability \\(ADTL\\)\n\n\n\nReport the average daily transmission liability \\(“ADTL”\\) for the quarter.\n\n\n\n\nPI140\n\n\n\nVirtual Currency Balance Held on Behalf of Customers \\(in U.S. Dollars\\)\n\n\n\nReport the U.S. Dollar amount of virtual currency held on behalf of customers. The U.S. Dollar exchange rate must represent a generally accepted and recognized quoted price in the active market for the virtual currency. A blended index should be used if available.\n\n\n\nPI150\n\n\n\nVirtual Currency Balance not Held on Behalf of Customers \\(in U.S. Dollars\\)\n\n\n\nReport the U.S. Dollar amount of virtual currency fully controlled and not held on behalf of a customer. The U.S. Dollar exchange rate must represent a generally accepted and recognized quoted price in the",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_sectionIII_permissibleInvest.md",
      "relative_path": "maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_sectionIII_permissibleInvest.md",
      "headings": [
        "MSB Call Report Section III: Permissible Investments Report {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fcd .reference}",
        "Section III: Permissible Investments Report[^1] {#section_g2h_w41_mgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/msbCR/topics/msbCR_sectionIII_permissibleInvest.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/msbCR/topics/msbCR_sectionIII_permissibleInvest.md:chunk-4",
      "title": "MSB Call Report Section III: Permissible Investments Report {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fcd .reference}",
      "content": "t the U.S. Dollar amount of virtual currency fully controlled and not held on behalf of a customer. The U.S. Dollar exchange rate must represent a generally accepted and recognized quoted price in the active market for the virtual currency. A blended index should be used if available.\n\n\n\nPI160\n\n\n\nOther Investments \\(in U.S. Dollars\\)\n\n\n\nReport all other virtual currency investments not included above. An explanatory note \\(PI160NOTE\\) must be provided if Other Investments \\(in U.S. Dollars \\(PI160\\) exceeds 20% of Total VC Coverage \\(PI170\\). The U.S. Dollar exchange rate must represent a generally accepted and recognized quoted price in the active market for the virtual currency. A blended index should be used if available.\n\n\n\nPI160NOTE\n\n\n\nOther Virtual Currency Investment – Explanatory Note\n\n\n\nOptional Explanatory Note\n\n\n\nPI160PDF\n\n\n\nOther Virtual Currency Investment – Supporting Document\n\n\n\nOptional Upload of PDF Document Supporting Explanatory Note\n\n\n\nPI170\n\n\n\nTotal VC coverage\n\n\n\nSum of lines PI 140 through PI 160\n\n\n\nPI180\n\n\n\nOutstanding Virtual Currency Liability\n\n\n\nReport licensee’s total amount of outstanding virtual currency. This amount should include all outstanding virtual currency liability. The U.S. Dollar exchange rate must represent a generally accepted and recognized quoted price in the active market for the virtual currency. A blended The U.S. Dollar exchange rate must represent a generally accepted and recognized quoted price in the active market for the virtual currency index should be used if available.\n\n\n**Parent topic:**NMLS MSB Call Report Sections and Definitions\n\n[^1]: Reported at company level. To determine compliance to state specific permissible investment regulations, regulators will utilize the NMLS Data Analytics Module where they can select only certain permissible investment categories to calculate investment percentages compared to the whole.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_sectionIII_permissibleInvest.md",
      "relative_path": "maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_sectionIII_permissibleInvest.md",
      "headings": [
        "MSB Call Report Section III: Permissible Investments Report {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fcd .reference}",
        "Section III: Permissible Investments Report[^1] {#section_g2h_w41_mgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/msbCR/topics/msbCR_sectionIII_permissibleInvest.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/msbCR/topics/msbCR_sectionIII_permissibleInvest.md:chunk-5",
      "title": "MSB Call Report Section III: Permissible Investments Report {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fcd .reference}",
      "content": "ect only certain permissible investment categories to calculate investment percentages compared to the whole.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_sectionIII_permissibleInvest.md",
      "relative_path": "maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_sectionIII_permissibleInvest.md",
      "headings": [
        "MSB Call Report Section III: Permissible Investments Report {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fcd .reference}",
        "Section III: Permissible Investments Report[^1] {#section_g2h_w41_mgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/msbCR/topics/msbCR_sectionIII_permissibleInvest.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/msbCR/topics/msbCR_sectionIVa_companyDestinationCountryDtl.md:chunk-0",
      "title": "MSB Call Report Section IV \\(a\\): Company-Wide Transactions Destination Country Detail {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fcc .reference}",
      "content": "# MSB Call Report Section IV \\(a\\): Company-Wide Transactions Destination Country Detail \n\nThis section is Submitted in the Q4 Report only. Descriptions and instructions for data field TD-A.\n\n## Section IV \\(a\\): Company-Wide Transactions Destination Country Detail \\(Submitted in Q4 Report Only\\)[^1] \n\n\n\nTD-A\n\n\n\nList of Countries Transmitted to During Calendar Year \\(new line for each country\\)\n\n\n\nReport the number of transactions and the actual dollar amount in the calendar year of transmission money receive to be sent to each country included in the schedule. All countries transmitted to during the calendar year should be included in the submission. This section shall only be submitted as part of the Q4 report submission.\n\n\n\")\n\n**Parent topic:**NMLS MSB Call Report Sections and Definitions\n\n[^1]: Submitted on annual basis by entities completing foreign money transmission activity as part of Q4 NMLS MSB Call Report submission. NMLS intends to use the ISO 3166 Standard two-letter code format to facilitate destination country reporting. If and when the General Services Administration mandates the use of the new Geopolitical Names and Codes \\(GENC\\) standard, SRR will evaluate a transition to the new standard\n[^2]: Country listing to be updated for new additions or when country name changes occur. ISO 3166 standard two-letter country codes to be used.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_sectionIVa_companyDestinationCountryDtl.md",
      "relative_path": "maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_sectionIVa_companyDestinationCountryDtl.md",
      "headings": [
        "MSB Call Report Section IV \\(a\\): Company-Wide Transactions Destination Country Detail {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fcc .reference}",
        "Section IV \\(a\\): Company-Wide Transactions Destination Country Detail \\(Submitted in Q4 Report Only\\)[^1] {#section_m23_5r1_mgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/msbCR/topics/msbCR_sectionIVa_companyDestinationCountryDtl.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/msbCR/topics/msbCR_specs.md:chunk-0",
      "title": "MSB Call Report CSV Upload Specifications {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fdd .reference}",
      "content": "# MSB Call Report CSV Upload Specifications \n\nNMLS provides industry users with the ability to submit an MSB Call Report filing either through manual data entry within NMLS, through a CSV template, or through an upload of a properly formatted XML file to NMLS.\n\nThe CSV upload feature provides a streamlined option for creating an MSB Call Report filing. The upload feature may be used to create an initial MSB Call Report filing, change information on a pending filing, or amend information on a previously submitted MSB Call Report filing.\n\n## MSB Call Report Form Version 4 CSV File Specifications \n\nMSB Call Report CSV Upload Specifications\n\nMSB Call Report Sample CSV Upload\n\nMSB Call Report CSV Upload Specifications Document \\(Part IV\\)\n\n## MSB Call Report Form Version 4 CSV Upload Templates \n\nMSB Call Report CSV Upload Template \\(Parts I-III\\)\n\nMSB Call Report CSV Upload Template \\(Part IV\\)\n\n## MSB Call Report Form Version 3 CSV File Specifications \n\nMSB Call Report CSV Upload Specifications \\(Parts I - III\\)​\n\nMSB Call Report CSV Upload Specifications Document \\(Part IV\\)\n\nMSB Call Report Sample CSV Upload\n\n## MSB Call Report Form Version 3 CSV Upload Templates \n\nMSB Call Report CSV Upload Template \\(Parts I-III\\)\n\nMSB Call Report CSV Upload Template \\(Part IV\\)\n\n## MSB Call Report Form Version 2 CSV File Specifications \n\nMSB Call Report CSV Upload Specifications Document \\(Parts I - III\\)\n\nMSB Call Report CSV Upload Specifications Document \\(Part IV\\)\n\nMSB Call Report Sample CSV Upload\n\n## MSB Call Report Form Version 2 CSV Upload Templates \n\nMSB Call Report CSV Upload Template \\(Parts I-III\\)\n\nMSB Call Report CSV Upload Template \\(Part IV\\)\n\n**Parent topic:**CSV and XML Specifications",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_specs.md",
      "relative_path": "maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_specs.md",
      "headings": [
        "MSB Call Report CSV Upload Specifications {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fdd .reference}",
        "MSB Call Report Form Version 4 CSV File Specifications {#section_drl_1ms_lgc .section}",
        "MSB Call Report Form Version 4 CSV Upload Templates {#section_obj_dms_lgc .section}",
        "MSB Call Report Form Version 3 CSV File Specifications {#section_zhz_xms_lgc .section}",
        "MSB Call Report Form Version 3 CSV Upload Templates {#section_vws_1ns_lgc .section}",
        "MSB Call Report Form Version 2 CSV File Specifications {#section_ybn_dns_lgc .section}",
        "MSB Call Report Form Version 2 CSV Upload Templates {#section_u3c_gns_lgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/msbCR/topics/msbCR_specs.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/msbCR/topics/msbCR_stateTransDestCountryDtl.md:chunk-0",
      "title": "MSB Call Report Section IV\\(b\\): State Transactions Destination Country Detail {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fcb .reference}",
      "content": "# MSB Call Report Section IV\\(b\\): State Transactions Destination Country Detail \n\nThis section is submitted in the Q4 Report only. Descriptions and instructions for data field TD-B.\n\n## Section IV\\(b\\): State Transactions Destination Country Detail \\(Submitted in Q4 Report Only\\)[^1] \n\n\n\nTD-B\n\n\n\nList of Countries Transmitted to In-State to Foreign Countries During Calendar Year \\(new line for each country\\)\n\n\n\nReport the number of transactions and the actual dollar amount in the calendar year of transmission money received in-state to be sent to each country included in the schedule. All countries transmitted to during the calendar year should be included in the submission. This section shall only be submitted as part of the Q4 report submission.\n\n\n\")\n\n**Parent topic:**NMLS MSB Call Report Sections and Definitions\n\n[^1]: Submitted on annual basis by entities completing foreign money transmission activity as part of Q4 NMLS MSB Call Report submission. NMLS intends to use the ISO 3166 Standard two-letter code format to facilitate destination country reporting. If and when the General Services Administration mandates the use of the new Geopolitical, Names and Codes \\(GENC\\) standard, SRR will evaluate a transition to the new standard.\n[^2]: Country listing to be updated for new additions or when country name changes occur. ISO 3166 standard two-letter country codes to be used.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_stateTransDestCountryDtl.md",
      "relative_path": "maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_stateTransDestCountryDtl.md",
      "headings": [
        "MSB Call Report Section IV\\(b\\): State Transactions Destination Country Detail {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fcb .reference}",
        "Section IV\\(b\\): State Transactions Destination Country Detail \\(Submitted in Q4 Report Only\\)[^1] {#section_lys_zt1_mgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/msbCR/topics/msbCR_stateTransDestCountryDtl.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/msbCR/topics/msbCR_subrmission.md:chunk-0",
      "title": "Submission of MSB Call Report {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fd9 .concept}",
      "content": "# Submission of MSB Call Report \n\nCompanies holding an MSB license during the calendar quarter will be required to file the NMLS MSB Call Report. The NMLS MSB Call Report may only be submitted through NMLS; therefore in order for entities to submit the report, they must have an active record in NMLS.\n\nThe NMLS MSB Call Report applies to licensees who conduct the following activities: money transmission, check cashing, issuing or selling travelers checks, issuing or selling drafts, foreign currency dealing and exchange, issuing or selling money orders, bill paying, issuing or selling prepaid access/stored value products, and virtual currency.\n\nThe Financial Condition Report \\(Section I\\), Company-wide Transactions Detail \\(Section II \\(a\\)\\), and Permissible Investments Report \\(Section III\\) are only required to be submitted once per quarter, even if the entity is licensed in multiple states. The State Transaction Detail \\(Section II\\(b\\)\\) is only required to be submitted once per quarter for each state that adopts the NMLS MSB Call Report and in which the company is licensed. All required report sections must be submitted at the same time, but can be prepared in the system prior to final submission.\n\nReport submission options are intended to include manual data field entry and a bulk upload functionality facilitated through anXML schema or Comma Separated Values \\(CSV\\) file.\n\nFor Sections I, II\\(a\\), II\\(b\\), and III, data submitted must be based on the activity completed in the quarter. For Section IV\\(a\\) and IV\\(b\\) Destination Country Detail, data submitted must be for the entire calendar year.\n\n**Parent topic:**MSBCR Overview and Definitions",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_subrmission.md",
      "relative_path": "maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_subrmission.md",
      "headings": [
        "Submission of MSB Call Report {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fd9 .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/msbCR/topics/msbCR_subrmission.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/msbCR/topics/msbCR_uploadSpecs.md:chunk-0",
      "title": "CSV and XML Specifications {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fc2 .concept}",
      "content": "# CSV and XML Specifications \n\nThe MSB Call Report can be uploaded as a comma-separated values \\(CSV\\) or eXtensible Markup Language \\(XML\\) file.\n\n-   **MSB Call Report CSV Upload Specifications**  \nNMLS provides industry users with the ability to submit an MSB Call Report filing either through manual data entry within NMLS, through a CSV template, or through an upload of a properly formatted XML file to NMLS.\n-   **MSB Call Report XML Specification**  \n​​NMLS provides industry users with the ability to submit an MSB Call Report filing either through manual data entry within NMLS, through a CSV template upload for each section, or through an upload of a properly formatted XML file to NMLS.\n\n**Parent topic:**Money Services Businesses \\(MSB\\) Call Report",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_uploadSpecs.md",
      "relative_path": "maps\\NMLS\\licensing\\msbCR\\topics\\msbCR_uploadSpecs.md",
      "headings": [
        "CSV and XML Specifications {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fc2 .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/msbCR/topics/msbCR_uploadSpecs.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/msbCR/topics/msbcr_committee.md:chunk-0",
      "title": "NMLS MSB Call Report Subcommittee {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fd3 .reference}",
      "content": "# NMLS MSB Call Report Subcommittee \n\n\n\n**Bob Venchiarutti**   \n Deputy Commissioner   \n California Department of Business Oversight\n\n\n\n**Adam Costoplus**  \n Examiner   \n Massachusetts Division of Banks\n\n\n\n**Jason Gworek**  \n Associate Financial Examiner   \n Connecticut Department of Banking\n\n\n\n**Christopher German**  \n Senior Staff Attorney   \n Nebraska Department of Banking and Finance\n\n\n\n**Sabrina Brown**  \n Director of Money Services and Consumer Credit Supervision   \n Maryland Office of the Commissioner of Financial Regulation\n\n\n\n**Grissel Molina**   \n Financial Examiner   \n Texas Department of Banking\n\n\n\n**Matthew Dyer**   \n Supervisory Examiner   \n Michigan Department of Insurance and Financial Services\n\n\n\n**James Edstrom**   \n Financial Institution Assistant Examiner   \n Minnesota Department of Commerce\n\n\n\n**Heather Ensminger**   \n Business Analysis Director   \n Georgia Department of Banking & Finance\n\n\n\n**Paul Giovanetti**   \n License Examiner   \n South Dakota Department of Labor and Regulation\n\n\n**Parent topic:**Money Services Businesses \\(MSB\\) Call Report",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\msbCR\\topics\\msbcr_committee.md",
      "relative_path": "maps\\NMLS\\licensing\\msbCR\\topics\\msbcr_committee.md",
      "headings": [
        "NMLS MSB Call Report Subcommittee {#xd_2b47c2ad8b51435d-36b763ed-198dc468b08--7fd3 .reference}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/msbCR/topics/msbcr_committee.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/nmlsPaymentOptions/maps/topics/nmlsPaymentOptinos_failedPmt.md:chunk-0",
      "title": "Correcting Failed Payments {#nmlsPaymentOptinos_failedPmt .task}",
      "content": "# Correcting Failed Payments \n\nIf the payment submitted fails, a system generated notification is sent indicating that the payment has failed. You are required to log in to NMLS to repay.\n\n1.  Navigate to the NMLS Login page.\n\n    -   State context.\n    -   Federal context.\n2.  Log in to your NMLS account.\n\n3.  Select **Invoice**.\n\n4.  Search for `Failed Payments` under Invoice Type.\n\n5.  Select the **View/Pay Invoice** icon.\n\n6.  Select **Pay Invoice**.\n\n7.  Enter **Payment Information** and **Submit**.\n\n**Parent topic:**NMLS Payment Options",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\nmlsPaymentOptions\\maps\\topics\\nmlsPaymentOptinos_failedPmt.md",
      "relative_path": "maps\\NMLS\\licensing\\nmlsPaymentOptions\\maps\\topics\\nmlsPaymentOptinos_failedPmt.md",
      "headings": [
        "Correcting Failed Payments {#nmlsPaymentOptinos_failedPmt .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/nmlsPaymentOptions/maps/topics/nmlsPaymentOptinos_failedPmt.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/nmlsPaymentOptions/maps/topics/nmlsPaymentOptinos_failedPmt_2.md:chunk-0",
      "title": "Correcting Failed Payments {#nmlsPaymentOptinos_failedPmt .task}",
      "content": "# Correcting Failed Payments \n\nIf the payment submitted fails, a system generated notification is sent indicating that the payment has failed. You are required to log in to NMLS to repay.\n\n1.  Navigate to the NMLS Login page.\n\n    -   State context.\n    -   Federal context.\n2.  Log in to your NMLS account.\n\n3.  Select **Invoice**.\n\n4.  Search for `Failed Payments` under Invoice Type.\n\n5.  Select the **View/Pay Invoice** icon.\n\n6.  Select **Pay Invoice**.\n\n7.  Enter **Payment Information** and **Submit**.\n\n**Parent topic:**NMLS Payment Options",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\nmlsPaymentOptions\\maps\\topics\\nmlsPaymentOptinos_failedPmt_2.md",
      "relative_path": "maps\\NMLS\\licensing\\nmlsPaymentOptions\\maps\\topics\\nmlsPaymentOptinos_failedPmt_2.md",
      "headings": [
        "Correcting Failed Payments {#nmlsPaymentOptinos_failedPmt .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/nmlsPaymentOptions/maps/topics/nmlsPaymentOptinos_failedPmt_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/nmlsPaymentOptions/maps/topics/nmlsPaymentOptions.md:chunk-0",
      "title": "NMLS Payment Options {#nmlsPaymentOptions .concept}",
      "content": "# NMLS Payment Options \n\nPayments submitted through NMLS can be made using Visa®, Mastercard®, or ACH \\(Automated Clearing House\\).\n\n## Credit Card Payments \n\nIf payment is made using Visa® or Mastercard® the payment is processed immediately upon submission. NMLS charges will appear on the credit card statement as `NMLS PMT`.\n\n**Note:** If payment is made using Visa® or Mastercard® Gift Card, a $1 authorization hold will be placed for the purpose of verifying information and will only be released after the transaction has been processed. To avoid transaction from being rejected, the gift card used must contain the minimal balance to cover the transaction + $1 authorization.\n\n## ACH Payments \n\nFor instructions and routing information for Automated Clearing House \\(ACH\\) payments, see Automated Clearing House \\(ACH\\) Payments.\n\n-   **Automated Clearing House \\(ACH\\) Payments**  \nUsing ACH payments with NMLS, including vendor information for payment routing.\n-   **Correcting Failed Payments**  \nIf the payment submitted fails, a system generated notification is sent indicating that the payment has failed. You are required to log in to NMLS to repay.\n-   **NMLS Payment Terms Agreement for All Users**  \nThank you for using the Nationwide Multistate Licensing System \\(NMLS\\) for your licensing or registration needs. Licensing and registration payment services on this web site \\(the \"Payment Site\"\\) are provided by the State Regulatory Registry LLC \\(\"SRR\"\\), and are subject to these payment terms and conditions \\(these \"Payment Terms\"\\).",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\nmlsPaymentOptions\\maps\\topics\\nmlsPaymentOptions.md",
      "relative_path": "maps\\NMLS\\licensing\\nmlsPaymentOptions\\maps\\topics\\nmlsPaymentOptions.md",
      "headings": [
        "NMLS Payment Options {#nmlsPaymentOptions .concept}",
        "Credit Card Payments {#section_ems_ndv_x2c .section}",
        "ACH Payments {#section_atc_pdv_x2c .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/nmlsPaymentOptions/maps/topics/nmlsPaymentOptions.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/nmlsPaymentOptions/maps/topics/nmlsPaymentOptions_2.md:chunk-0",
      "title": "NMLS Payment Options {#nmlsPaymentOptions .concept}",
      "content": "# NMLS Payment Options \n\nPayments submitted through NMLS can be made using Visa®, Mastercard®, or ACH \\(Automated Clearing House\\).\n\n## Credit Card Payments \n\nIf payment is made using Visa® or Mastercard® the payment is processed immediately upon submission. NMLS charges will appear on the credit card statement as `NMLS PMT`.\n\n**Note:** If payment is made using Visa® or Mastercard® Gift Card, a $1 authorization hold will be placed for the purpose of verifying information and will only be released after the transaction has been processed. To avoid transaction from being rejected, the gift card used must contain the minimal balance to cover the transaction + $1 authorization.\n\n## ACH Payments \n\nFor instructions and routing information for Automated Clearing House \\(ACH\\) payments, see Automated Clearing House \\(ACH\\) Payments.\n\n-   **Automated Clearing House \\(ACH\\) Payments**  \nUsing ACH payments with NMLS, including vendor information for payment routing.\n-   **Correcting Failed Payments**  \nIf the payment submitted fails, a system generated notification is sent indicating that the payment has failed. You are required to log in to NMLS to repay.\n-   **NMLS Payment Terms Agreement for All Users**  \nThank you for using the Nationwide Multistate Licensing System \\(NMLS\\) for your licensing or registration needs. Licensing and registration payment services on this web site \\(the \"Payment Site\"\\) are provided by the State Regulatory Registry LLC \\(\"SRR\"\\), and are subject to these payment terms and conditions \\(these \"Payment Terms\"\\).\n\n**Parent topic:**NMLS Processing Fees",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\nmlsPaymentOptions\\maps\\topics\\nmlsPaymentOptions_2.md",
      "relative_path": "maps\\NMLS\\licensing\\nmlsPaymentOptions\\maps\\topics\\nmlsPaymentOptions_2.md",
      "headings": [
        "NMLS Payment Options {#nmlsPaymentOptions .concept}",
        "Credit Card Payments {#section_ems_ndv_x2c .section}",
        "ACH Payments {#section_atc_pdv_x2c .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/nmlsPaymentOptions/maps/topics/nmlsPaymentOptions_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/nmlsPaymentOptions/maps/topics/nmlsPaymentOptions_ACH_howTo.md:chunk-0",
      "title": "How to Pay by Automated Clearing House \\(ACH\\) {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7fe2 .task}",
      "content": "# How to Pay by Automated Clearing House \\(ACH\\) \n\nWhen using ACH, you authorize a direct transfer of funds from your bank account to the payment processor for NMLS. These steps guide you through submitting an ACH payment.\n\n1.  Under Payment Type select **Bank Account**.\n\n2.  Provide the required **Bank Account Information**:\n\n    1.  Select **Account Type** from th elist.\n\n    2.  Type your bank's **ABA Routing Number**.\n\n    3.  Type your **Bank Account Number**.\n\n    4.  Type the **Bank Account Holder’s Full Name**.\n\n3.  Select **Next**.\n\n    **Note:** The system can save the same bank account information for up to 15 users. The 16th user to try and save the same payment information will receive an error message. This user must clear the **Save Payment** option, or save different payment information.\n\n4.  Review the one-time payment information.\n\n5.  If all information is correct, select the **Confirm and Submit** button.\n\n6.  Review the one-time payment confirmation.\n\n7.  Select **Finish**.\n\n    **Note:** Payment confirmation, including confirmation number, may be printed from this screen.\n\n**Parent topic:**Automated Clearing House \\(ACH\\) Payments",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\nmlsPaymentOptions\\maps\\topics\\nmlsPaymentOptions_ACH_howTo.md",
      "relative_path": "maps\\NMLS\\licensing\\nmlsPaymentOptions\\maps\\topics\\nmlsPaymentOptions_ACH_howTo.md",
      "headings": [
        "How to Pay by Automated Clearing House \\(ACH\\) {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7fe2 .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/nmlsPaymentOptions/maps/topics/nmlsPaymentOptions_ACH_howTo.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/nmlsPaymentOptions/maps/topics/nmlsPaymentOptions_ACH_howTo_2.md:chunk-0",
      "title": "How to Pay by Automated Clearing House \\(ACH\\) {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7fe2 .task}",
      "content": "# How to Pay by Automated Clearing House \\(ACH\\) \n\nWhen using ACH, you authorize a direct transfer of funds from your bank account to the payment processor for NMLS. These steps guide you through submitting an ACH payment.\n\n1.  Under Payment Type select **Bank Account**.\n\n2.  Provide the required **Bank Account Information**:\n\n    1.  Select **Account Type** from th elist.\n\n    2.  Type your bank's **ABA Routing Number**.\n\n    3.  Type your **Bank Account Number**.\n\n    4.  Type the **Bank Account Holder’s Full Name**.\n\n3.  Select **Next**.\n\n    **Note:** The system can save the same bank account information for up to 15 users. The 16th user to try and save the same payment information will receive an error message. This user must clear the **Save Payment** option, or save different payment information.\n\n4.  Review the one-time payment information.\n\n5.  If all information is correct, select the **Confirm and Submit** button.\n\n6.  Review the one-time payment confirmation.\n\n7.  Select **Finish**.\n\n    **Note:** Payment confirmation, including confirmation number, may be printed from this screen.\n\n**Parent topic:**Automated Clearing House \\(ACH\\) Payments",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\nmlsPaymentOptions\\maps\\topics\\nmlsPaymentOptions_ACH_howTo_2.md",
      "relative_path": "maps\\NMLS\\licensing\\nmlsPaymentOptions\\maps\\topics\\nmlsPaymentOptions_ACH_howTo_2.md",
      "headings": [
        "How to Pay by Automated Clearing House \\(ACH\\) {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7fe2 .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/nmlsPaymentOptions/maps/topics/nmlsPaymentOptions_ACH_howTo_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/nmlsPaymentOptions/maps/topics/nmlsPaymentOptions_ACHauth.md:chunk-0",
      "title": "Automated Clearing House \\(ACH\\) Payments {#nmlsPaymentOptions_ACHauth .concept}",
      "content": "# Automated Clearing House \\(ACH\\) Payments \n\nUsing ACH payments with NMLS, including vendor information for payment routing.\n\n## ACH Payments – Funds Availability \n\nPrior to submitting payment, verify that your account contains sufficient funds to cover the payment amount that has been pre-authorized by NMLS to complete the ACH transactions \\(if required by your financial institution\\) to avoid a possible return. If your bank requires “pre-authorization” before NMLS can perform the ACH transaction, see Authorizing ACH Payments.\n\n## ACH Payments – Funds Pending \n\nIf payment is made using ACH:\n\n-   State licenses will have an `ACH Payment on [payment date] – [category]` license item\n\n    **Note:** Regulators have the ability to approve a renewal request with the active license item. For new license requests, the license item will generally have cleared by the time the regulator will have reviewed the license request.\n\n-   Federal registrations will be eligible for activation, pending any other requirements \\(CBC, employment confirmation, etc.\\)\n-   After 5 business days, if the payment has not failed, State license filings will have the license item removed.\n-   If the payment fails, a `Returned ACH` license item is placed and repayment will be required to be made within NMLS. See Correcting Failed Payments\n\n## Authorizing ACH Payments \n\nIt is your responsibility as a NMLS user or applicant to contact your personal or company financial institution to pre-authorize, if necessary, NMLS to accept and process Automated Clearing House \\(ACH\\) payments for licensing fees.\n\n**Important:** Please contact your financial institution regarding any changes they may need to make to security settings on your account to allow NMLS to complete ACH transactions through your account.\n\nBelow is some information about the vendor processing ACH transactions for NMLS. Your financial institution may require this information in order to allow NMLS to process ACH transactions through your ac",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\nmlsPaymentOptions\\maps\\topics\\nmlsPaymentOptions_ACHauth.md",
      "relative_path": "maps\\NMLS\\licensing\\nmlsPaymentOptions\\maps\\topics\\nmlsPaymentOptions_ACHauth.md",
      "headings": [
        "Automated Clearing House \\(ACH\\) Payments {#nmlsPaymentOptions_ACHauth .concept}",
        "ACH Payments – Funds Availability {#section_twh_j1y_rfc .section}",
        "ACH Payments – Funds Pending {#section_bvf_l1y_rfc .section}",
        "Authorizing ACH Payments {#section_dmn_w1y_rfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/nmlsPaymentOptions/maps/topics/nmlsPaymentOptions_ACHauth.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/nmlsPaymentOptions/maps/topics/nmlsPaymentOptions_ACHauth.md:chunk-1",
      "title": "Automated Clearing House \\(ACH\\) Payments {#nmlsPaymentOptions_ACHauth .concept}",
      "content": "ow is some information about the vendor processing ACH transactions for NMLS. Your financial institution may require this information in order to allow NMLS to process ACH transactions through your account:\n\n\n\nName\n\n\n\nBank of America\n\n\n\nAddress\n\n\n\n100 North Tryon Street   \n Charlotte, NC 28255\n\n\n\nSWIFT Code\n\n\n\nBOFAUS3N\n\n\n\nVendor identifying information\n\n\n\n1222528268\n\n\nOr Contact: NMLS – State Regulatory Registry LLC Accounting Division or accounting@csbs.org\n\nThe account / vendor name on your bank statement will show as: `NMLS PMT`.\n\n-   **How to Pay by Automated Clearing House \\(ACH\\)**  \nWhen using ACH, you authorize a direct transfer of funds from your bank account to the payment processor for NMLS. These steps guide you through submitting an ACH payment.\n\n**Parent topic:**NMLS Payment Options",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\nmlsPaymentOptions\\maps\\topics\\nmlsPaymentOptions_ACHauth.md",
      "relative_path": "maps\\NMLS\\licensing\\nmlsPaymentOptions\\maps\\topics\\nmlsPaymentOptions_ACHauth.md",
      "headings": [
        "Automated Clearing House \\(ACH\\) Payments {#nmlsPaymentOptions_ACHauth .concept}",
        "ACH Payments – Funds Availability {#section_twh_j1y_rfc .section}",
        "ACH Payments – Funds Pending {#section_bvf_l1y_rfc .section}",
        "Authorizing ACH Payments {#section_dmn_w1y_rfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/nmlsPaymentOptions/maps/topics/nmlsPaymentOptions_ACHauth.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/nmlsPaymentOptions/maps/topics/nmlsPaymentOptions_ACHauth_2.md:chunk-0",
      "title": "Automated Clearing House \\(ACH\\) Payments {#nmlsPaymentOptions_ACHauth .concept}",
      "content": "# Automated Clearing House \\(ACH\\) Payments \n\nUsing ACH payments with NMLS, including vendor information for payment routing.\n\n## ACH Payments – Funds Availability \n\nPrior to submitting payment, verify that your account contains sufficient funds to cover the payment amount that has been pre-authorized by NMLS to complete the ACH transactions \\(if required by your financial institution\\) to avoid a possible return. If your bank requires “pre-authorization” before NMLS can perform the ACH transaction, see Authorizing ACH Payments.\n\n## ACH Payments – Funds Pending \n\nIf payment is made using ACH:\n\n-   State licenses will have an `ACH Payment on [payment date] – [category]` license item\n\n    **Note:** Regulators have the ability to approve a renewal request with the active license item. For new license requests, the license item will generally have cleared by the time the regulator will have reviewed the license request.\n\n-   Federal registrations will be eligible for activation, pending any other requirements \\(CBC, employment confirmation, etc.\\)\n-   After 5 business days, if the payment has not failed, State license filings will have the license item removed.\n-   If the payment fails, a `Returned ACH` license item is placed and repayment will be required to be made within NMLS. See Correcting Failed Payments\n\n## Authorizing ACH Payments \n\nIt is your responsibility as a NMLS user or applicant to contact your personal or company financial institution to pre-authorize, if necessary, NMLS to accept and process Automated Clearing House \\(ACH\\) payments for licensing fees.\n\n**Important:** Please contact your financial institution regarding any changes they may need to make to security settings on your account to allow NMLS to complete ACH transactions through your account.\n\nBelow is some information about the vendor processing ACH transactions for NMLS. Your financial institution may require this information in order to allow NMLS to process ACH transactions through your ac",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\nmlsPaymentOptions\\maps\\topics\\nmlsPaymentOptions_ACHauth_2.md",
      "relative_path": "maps\\NMLS\\licensing\\nmlsPaymentOptions\\maps\\topics\\nmlsPaymentOptions_ACHauth_2.md",
      "headings": [
        "Automated Clearing House \\(ACH\\) Payments {#nmlsPaymentOptions_ACHauth .concept}",
        "ACH Payments – Funds Availability {#section_twh_j1y_rfc .section}",
        "ACH Payments – Funds Pending {#section_bvf_l1y_rfc .section}",
        "Authorizing ACH Payments {#section_dmn_w1y_rfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/nmlsPaymentOptions/maps/topics/nmlsPaymentOptions_ACHauth_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/nmlsPaymentOptions/maps/topics/nmlsPaymentOptions_ACHauth_2.md:chunk-1",
      "title": "Automated Clearing House \\(ACH\\) Payments {#nmlsPaymentOptions_ACHauth .concept}",
      "content": "ow is some information about the vendor processing ACH transactions for NMLS. Your financial institution may require this information in order to allow NMLS to process ACH transactions through your account:\n\n\n\nName\n\n\n\nBank of America\n\n\n\nAddress\n\n\n\n100 North Tryon Street   \n Charlotte, NC 28255\n\n\n\nSWIFT Code\n\n\n\nBOFAUS3N\n\n\n\nVendor identifying information\n\n\n\n1222528268\n\n\nOr Contact: NMLS – State Regulatory Registry LLC Accounting Division or accounting@csbs.org\n\nThe account / vendor name on your bank statement will show as: `NMLS PMT`.\n\n-   **How to Pay by Automated Clearing House \\(ACH\\)**  \nWhen using ACH, you authorize a direct transfer of funds from your bank account to the payment processor for NMLS. These steps guide you through submitting an ACH payment.\n\n**Parent topic:**NMLS Payment Options",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\nmlsPaymentOptions\\maps\\topics\\nmlsPaymentOptions_ACHauth_2.md",
      "relative_path": "maps\\NMLS\\licensing\\nmlsPaymentOptions\\maps\\topics\\nmlsPaymentOptions_ACHauth_2.md",
      "headings": [
        "Automated Clearing House \\(ACH\\) Payments {#nmlsPaymentOptions_ACHauth .concept}",
        "ACH Payments – Funds Availability {#section_twh_j1y_rfc .section}",
        "ACH Payments – Funds Pending {#section_bvf_l1y_rfc .section}",
        "Authorizing ACH Payments {#section_dmn_w1y_rfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/nmlsPaymentOptions/maps/topics/nmlsPaymentOptions_ACHauth_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/uaar/topics/licCompMaint_uaar.md:chunk-0",
      "title": "Uniform Authorized Agent Reporting \\(UAAR\\) {#licCompMaint_uaar .concept}",
      "content": "# Uniform Authorized Agent Reporting \\(UAAR\\) \n\nUnderstand the purpose of Uniform Authorized Agent Reporting \\(UAAR\\) in NMLS and how it supports regulatory oversight of money services businesses through periodic reporting of authorized agents.\n\nThe Uniform Authorized Agent Reporting \\(UAAR\\) process is used by companies that hold money transmitter or money services business licenses to report their authorized agent locations through NMLS. Companies upload a standardized file each reporting period that contains additions, amendments, and terminations of agent relationships. Validated files must then be attested to before submission to state regulators.\n\nUAAR enables regulators to supervise and monitor money services businesses consistently across states. Participating companies must ensure timely and accurate reporting, whether by uploading files, attesting to no changes, or submitting terminations and amendments. Address data is validated during processing, and submissions are only complete when attested and submitted.\n\nFor authoritative requirements, see Uniform Authorized Agent Reporting \\(UAAR\\) in the NMLS Policy Guidebook.\n\nSubtopics cover specific UAAR tasks, including uploading files, reviewing results, resolving errors, reporting no changes, amending or terminating agents, and generating roster reports.\n\n-   **Completing Initial Authorized Agents Upload**  \nUpload your company’s initial list of authorized agents to NMLS using the Authorized Agent Upload file.\n-   **Viewing Authorized Agent Upload Results**  \nView and interpret the results of an uploaded Authorized Agent file in NMLS, including the Upload Status Chart.\n-   **Resolving Errors from a Failed Upload**  \nCorrect and re-submit Authorized Agent files that failed validation in NMLS.\n-   **Indicating No Authorized Agents to Report**  \nUse the **No Agents to Report** or **No Changes to Report** options in NMLS to meet your UAAR reporting obligations when you have no agent locations to report or no cha",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\uaar\\topics\\licCompMaint_uaar.md",
      "relative_path": "maps\\NMLS\\licensing\\uaar\\topics\\licCompMaint_uaar.md",
      "headings": [
        "Uniform Authorized Agent Reporting \\(UAAR\\) {#licCompMaint_uaar .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/uaar/topics/licCompMaint_uaar.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/uaar/topics/licCompMaint_uaar.md:chunk-1",
      "title": "Uniform Authorized Agent Reporting \\(UAAR\\) {#licCompMaint_uaar .concept}",
      "content": "Authorized Agents to Report**  \nUse the **No Agents to Report** or **No Changes to Report** options in NMLS to meet your UAAR reporting obligations when you have no agent locations to report or no changes since your last filing.\n-   **Amending Authorized Agents**  \nUpdate information for existing authorized agents in NMLS using the Authorized Agent Upload file.\n-   **Adding New Authorized Agents**  \nAdd new authorized agent locations to NMLS using the Authorized Agent Upload file.\n-   **Terminating Authorized Agents**  \nEnd an authorized agent relationship in NMLS by entering an End Date in the Authorized Agent Upload file and re-uploading it.\n-   **UAAR Fee Information**  \nUnderstand the annual NMLS processing fee for Uniform Authorized Agent Reporting \\(UAAR\\), how it is calculated, and when it must be paid.\n\n**Parent topic:**Uniform Authorized Agent Reporting \\(UAAR\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\uaar\\topics\\licCompMaint_uaar.md",
      "relative_path": "maps\\NMLS\\licensing\\uaar\\topics\\licCompMaint_uaar.md",
      "headings": [
        "Uniform Authorized Agent Reporting \\(UAAR\\) {#licCompMaint_uaar .concept}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/uaar/topics/licCompMaint_uaar.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/uaar/topics/nmls_uaarAgents_terminating.md:chunk-0",
      "title": "Terminating Authorized Agents {#licCompMaint_uaar_terminateAgents .task}",
      "content": "# Terminating Authorized Agents \n\nEnd an authorized agent relationship in NMLS by entering an End Date in the Authorized Agent Upload file and re-uploading it.\n\nTo terminate an authorized agent, you must include an **End Date** for that agent in theAuthorized Agent Upload Template and re-upload the file. Terminations ensure that the agent is no longer reported as active with the regulator.\n\n1.  Navigate to the NMLS Login page.\n\n    -   State context.\n    -   Federal context.\n2.  Select the **State** context and sign in to NMLS.\n\n3.  Click the Tasks tab.\n\n4.  Click **Manage Authorized Agents**.\n\n5.  Open the Authorized Agent Upload Template and locate the record for the agent to be terminated.\n\n6.  Enter an **End Date** for the agent.\n\n    **Note:** The End Date cannot be in the past.\n\n7.  Save the updated file.\n\n8.  Upload the file using the steps in Completing Initial Authorized Agents Upload.\n\n    **Note:** Failure to include an End Date will result in the agent remaining active with the regulator.\n\n**Parent topic:**Uniform Authorized Agent Reporting \\(UAAR\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\uaar\\topics\\nmls_uaarAgents_terminating.md",
      "relative_path": "maps\\NMLS\\licensing\\uaar\\topics\\nmls_uaarAgents_terminating.md",
      "headings": [
        "Terminating Authorized Agents {#licCompMaint_uaar_terminateAgents .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/uaar/topics/nmls_uaarAgents_terminating.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/uaar/topics/nmls_uaarCompleting_initial.md:chunk-0",
      "title": "Completing Initial Authorized Agents Upload {#licCompMaint_uaar_initialUpload .task}",
      "content": "# Completing Initial Authorized Agents Upload \n\nUpload your company’s initial list of authorized agents to NMLS using the Authorized Agent Upload file.\n\nUse the Authorized Agents section in NMLS to upload your company’s initial list of agent locations. This process is required for companies holding money transmitter or money services business licenses in participating states. The upload file must be prepared in .csv format using the Authorized Agent Upload Template. After validation, the file must be attested and submitted before regulators can access the information.\n\n1.  Navigate to the NMLS Login page.\n\n    -   State context.\n    -   Federal context.\n2.  Select the **State** context and sign in to NMLS.\n\n3.  Click the Tasks tab.\n\n4.  Click **Manage Authorized Agents**, then click **Upload Agents**.\n\n5.  On the Authorized Agent Upload screen, click **Browse** and select the prepared Uniform Authorized Agents upload file.\n\n    **Note:** The file should not exceed 10,000 rows. If more, split into multiple files.\n\n    **Note:** \\(Optional\\) Enter a **Description** \\(up to 150 characters\\) to differentiate between multiple uploads.\n\n6.  Click **Upload File**.\n\n    **Note:** The system validates the file and standardizes addresses. During processing, the status displays `In Progress`. Refresh the page to view updated results.\n\n7.  After the file is validated, click **Attest and Submit** to send it to the regulator.\n\n    **Note:** Files with a status of `Processed and Submitted` are delivered to regulators. Files in `In Progress`, `Attestation Required`, or `Failed Processing` status are not submitted.\n\n**Parent topic:**Uniform Authorized Agent Reporting \\(UAAR\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\uaar\\topics\\nmls_uaarCompleting_initial.md",
      "relative_path": "maps\\NMLS\\licensing\\uaar\\topics\\nmls_uaarCompleting_initial.md",
      "headings": [
        "Completing Initial Authorized Agents Upload {#licCompMaint_uaar_initialUpload .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/uaar/topics/nmls_uaarCompleting_initial.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/uaar/topics/nmls_uaarIndicatingNoAgents.md:chunk-0",
      "title": "Indicating No Authorized Agents to Report {#licCompMaint_uaar_noAgentsToReport .task}",
      "content": "# Indicating No Authorized Agents to Report \n\nUse the **No Agents to Report** or **No Changes to Report** options in NMLS to meet your UAAR reporting obligations when you have no agent locations to report or no changes since your last filing.\n\nIf your company does not have any authorized agents to report for an initial submission, or has no changes for a subsequent reporting period, you must indicate this in NMLS. Selecting **No Agents to Report** or **No Changes to Report** allows you to legally attest to your reporting obligation without uploading a file.\n\n1.  Navigate to the NMLS Login page.\n\n    -   State context.\n    -   Federal context.\n2.  Select the **State** context and sign in to NMLS.\n\n3.  Click the Tasks tab.\n\n4.  Click **Manage Authorized Agents**.\n\n5.  If your company has no agents to report for the initial reporting period, click **No Agents to Report**.\n\n6.  For subsequent reporting periods with no changes, click **No Changes to Report**.\n\n7.  Read the attestation language, select the checkbox, and click **Attest and Submit**.\n\n    **Note:** This attestation fulfills your UAAR reporting requirement when no agents or no changes exist.\n\n**Parent topic:**Uniform Authorized Agent Reporting \\(UAAR\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\uaar\\topics\\nmls_uaarIndicatingNoAgents.md",
      "relative_path": "maps\\NMLS\\licensing\\uaar\\topics\\nmls_uaarIndicatingNoAgents.md",
      "headings": [
        "Indicating No Authorized Agents to Report {#licCompMaint_uaar_noAgentsToReport .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/uaar/topics/nmls_uaarIndicatingNoAgents.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/uaar/topics/nmls_uaarNewAgents_adding.md:chunk-0",
      "title": "Adding New Authorized Agents {#licCompMaint_uaar_addAgents .task}",
      "content": "# Adding New Authorized Agents \n\nAdd new authorized agent locations to NMLS using the Authorized Agent Upload file.\n\nTo report new authorized agents, you must add their information to the Authorized Agent Upload Template and re-upload the file in NMLS. New agents require all applicable data fields to be completed, including physical address and Employer Identification Number \\(EIN\\).\n\n1.  Navigate to the NMLS Login page.\n\n    -   State context.\n    -   Federal context.\n2.  Select the **State** context and sign in to NMLS.\n\n3.  Click the Tasks tab.\n\n4.  Click **Manage Authorized Agents**.\n\n5.  Open the Authorized Agent Upload Template and add a new row with the agent’s information.\n\n    **Note:** Required information includes the physical address and EIN for each new agent location.\n\n6.  Save the updated file.\n\n7.  Upload the file using the steps in Completing Initial Authorized Agents Upload.\n\n**Parent topic:**Uniform Authorized Agent Reporting \\(UAAR\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\uaar\\topics\\nmls_uaarNewAgents_adding.md",
      "relative_path": "maps\\NMLS\\licensing\\uaar\\topics\\nmls_uaarNewAgents_adding.md",
      "headings": [
        "Adding New Authorized Agents {#licCompMaint_uaar_addAgents .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/uaar/topics/nmls_uaarNewAgents_adding.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/uaar/topics/nmls_uaarResolvingErrors.md:chunk-0",
      "title": "Resolving Errors from a Failed Upload {#licCompMaint_uaar_resolvingFailedUpload .task}",
      "content": "# Resolving Errors from a Failed Upload \n\nCorrect and re-submit Authorized Agent files that failed validation in NMLS.\n\nIf an Authorized Agent upload file fails processing, NMLS identifies errors in the `Error Description` column of the results file. You must correct the file and re-upload it to complete reporting.\n\n1.  Navigate to the NMLS Login page.\n\n    -   State context.\n    -   Federal context.\n2.  Select the **State** context and sign in to NMLS.\n\n3.  Click the Tasks tab.\n\n4.  Click **Manage Authorized Agents**.\n\n5.  Click **View Processed File List**.\n\n6.  Locate the file with a status of `Failed Processing` and click the **Results File** icon.\n\n    **Note:** The `Error Description` column \\(typically Column Z\\) lists validation issues for each record.\n\n7.  Use the error descriptions and codes to determine required corrections.\n\n    **Note:** Examples include invalid format, missing data, or invalid addresses.\n\n8.  Correct the original file based on the errors and save it.\n\n9.  Re-upload the corrected file using the steps in Completing Initial Authorized Agents Upload.\n\n**Parent topic:**Uniform Authorized Agent Reporting \\(UAAR\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\uaar\\topics\\nmls_uaarResolvingErrors.md",
      "relative_path": "maps\\NMLS\\licensing\\uaar\\topics\\nmls_uaarResolvingErrors.md",
      "headings": [
        "Resolving Errors from a Failed Upload {#licCompMaint_uaar_resolvingFailedUpload .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/uaar/topics/nmls_uaarResolvingErrors.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/uaar/topics/nmls_uaarViewingResults.md:chunk-0",
      "title": "Viewing Authorized Agent Upload Results {#licCompMaint_uaar_viewResults .task}",
      "content": "# Viewing Authorized Agent Upload Results \n\nView and interpret the results of an uploaded Authorized Agent file in NMLS, including the Upload Status Chart.\n\nAfter an Authorized Agent file is uploaded, NMLS displays results on the Processed Authorized Agent File List and Results page. This page provides access to the original upload file, the results file, and the status of each submission within the past 365 days. File statuses are defined in the Upload Status Chart below.\n\n1.  Navigate to the NMLS Login page.\n\n    -   State context.\n    -   Federal context.\n2.  Select the **State** context and sign in to NMLS.\n\n3.  Click the Tasks tab.\n\n4.  Click **Manage Authorized Agents**.\n\n5.  Go to the Processed Authorized Agent File List and Results page.\n\n6.  Locate the uploaded file and review the **File Status** column.\n\n    **Note:** File IDs, original file names, and descriptions are listed for tracking purposes.\n\n7.  Click the **Results File** icon \\(“Excel” symbol\\) to review the validation results.\n\n    **Note:** “Processed” indicates all records were validated successfully.\n\n    **Note:** `Failed Processing` indicates errors. Refer to the `Error Description` column in the results file for details.\n\n8.  Refer to the Upload Status Chart to interpret file statuses:\n\n    |Status|Explanation|\n    |------|-----------|\n    |In Progress|File is being validated. Refresh the page to view results.|\n    |Attestation Required|File has been validated and must be attested to before submission.|\n    |Processed and Submitted|File has been attested and submitted to regulator\\(s\\).|\n    |Failed Processing - System Error|No records were processed due to a system error. Contact the NMLS Call Center.|\n    |Failed Processing - Invalid Format|File could not be processed due to an invalid format. Review the results file for details.|\n    |Failed Processing - Invalid Address|File could not be processed due to invalid addresses. Review the results file for details.|\n\n    **Note:** Regulators o",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\uaar\\topics\\nmls_uaarViewingResults.md",
      "relative_path": "maps\\NMLS\\licensing\\uaar\\topics\\nmls_uaarViewingResults.md",
      "headings": [
        "Viewing Authorized Agent Upload Results {#licCompMaint_uaar_viewResults .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/uaar/topics/nmls_uaarViewingResults.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/uaar/topics/nmls_uaarViewingResults.md:chunk-1",
      "title": "Viewing Authorized Agent Upload Results {#licCompMaint_uaar_viewResults .task}",
      "content": ". Review the results file for details.|\n    |Failed Processing - Invalid Address|File could not be processed due to invalid addresses. Review the results file for details.|\n\n    **Note:** Regulators only receive files in `Processed and Submitted` status.\n\n**Parent topic:**Uniform Authorized Agent Reporting \\(UAAR\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\uaar\\topics\\nmls_uaarViewingResults.md",
      "relative_path": "maps\\NMLS\\licensing\\uaar\\topics\\nmls_uaarViewingResults.md",
      "headings": [
        "Viewing Authorized Agent Upload Results {#licCompMaint_uaar_viewResults .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/uaar/topics/nmls_uaarViewingResults.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/uaar/topics/nmls_uaar_amending.md:chunk-0",
      "title": "Amending Authorized Agents {#licCompMaint_uaar_amendAgents .task}",
      "content": "# Amending Authorized Agents \n\nUpdate information for existing authorized agents in NMLS using the Authorized Agent Upload file.\n\nUse the Authorized Agents section to amend information for previously reported agents. Each agent record is uniquely identified by its combination of “Physical Address” and “Employer Identification Number \\(EIN\\)”. When an agent’s physical address changes, the existing record must be end-dated and a new record created with the updated address.\n\n1.  Navigate to the NMLS Login page.\n\n    -   State context.\n    -   Federal context.\n2.  Select the **State** context and sign in to NMLS.\n\n3.  Click the Tasks tab.\n\n4.  Click **Manage Authorized Agents**.\n\n5.  Open the Authorized Agent Upload Template and locate the agent record to be amended.\n\n6.  If amending information that does not change the physical address, update the applicable fields directly \\(for example, contact details\\) and save.\n\n7.  If the agent’s physical address changes:\n\n    1.  Enter an **End Date** for the existing record.\n\n    2.  Add a new row with the agent’s updated physical address and a **Start Date**.\n\n8.  Save the updated file and re-upload it using the steps in Completing Initial Authorized Agents Upload.\n\n**Parent topic:**Uniform Authorized Agent Reporting \\(UAAR\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\uaar\\topics\\nmls_uaar_amending.md",
      "relative_path": "maps\\NMLS\\licensing\\uaar\\topics\\nmls_uaar_amending.md",
      "headings": [
        "Amending Authorized Agents {#licCompMaint_uaar_amendAgents .task}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/uaar/topics/nmls_uaar_amending.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/licensing/uaar/topics/nmls_uaar_fees.md:chunk-0",
      "title": "UAAR Fee Information {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7fc8 .concept}",
      "content": "# UAAR Fee Information \n\nUnderstand the annual NMLS processing fee for Uniform Authorized Agent Reporting \\(UAAR\\), how it is calculated, and when it must be paid.\n\nThe Uniform Authorized Agent Reporting \\(UAAR\\) functionality allows licensees to submit agent and delegate location reporting requirements through NMLS in a standardized, quarterly process. To cover development and operational costs, NMLS assesses a processing fee that is applied annually to companies reporting authorized agents.\n\n## Fee Structure { .section}\n\n-   An annual fee of $0.25 is charged for each active authorized agent or delegate location reported through NMLS.\n-   No fee is assessed for the first 100 active agents. Companies with 100 or fewer agents are exempt.\n-   The maximum fee per licensee is capped at $25,000 per year.\n\n## Fee Calculation { .section}\n\nThe invoiced amount is based on the number of active agents in NMLS as of August 16 \\(the day after the third quarter reporting deadline\\). An agent is considered active if no end date is entered in the upload. Agents submitted outside the system due to address verification issues are also included under the same fee methodology.\n\n## Invoicing and Payment { .section}\n\nInvoices are posted in NMLS on or around November 1 for licensees with active agents. Licensees receive a system notification when an invoice is available. Invoices can be paid directly in NMLS and are due within 30 days of posting.\n\nFor more information about NMLS fees, see NMLS Processing Fees.\n\n**Parent topic:**Uniform Authorized Agent Reporting \\(UAAR\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\licensing\\uaar\\topics\\nmls_uaar_fees.md",
      "relative_path": "maps\\NMLS\\licensing\\uaar\\topics\\nmls_uaar_fees.md",
      "headings": [
        "UAAR Fee Information {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7fc8 .concept}",
        "Fee Structure { .section}",
        "Fee Calculation { .section}",
        "Invoicing and Payment { .section}"
      ],
      "html_link": "/docs/maps/NMLS/licensing/uaar/topics/nmls_uaar_fees.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS.md:chunk-0",
      "title": "NMLS Reference Guide: About NMLS {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fcb .concept}",
      "content": "# NMLS Reference Guide: About NMLS \n\nThe Nationwide Multistate Licensing System \\(\"NMLS\" or the \"System\"\\) is the system of record for non-depository, financial services licensing or registration in participating state agencies, including the District of Columbia and U.S. Territories of Puerto Rico, the U.S. Virgin Islands, and Guam.\n\nIn these jurisdictions, NMLS is the official system for companies and individuals seeking to apply for, amend, renew and surrender license authorities managed through NMLS by 67​ state or territorial governmental agencies. NMLS itself does not grant or deny license authority.​​\n\nFifty-nine state agencies use NMLS for mortgage licensing, while 56 use the system to manage licensing for other nonbank entities \\(e.g., money services businesses, consumer finance and debt\\).\n\n​​NMLS is also the system of record for the registration of depositories, subsidiaries of depositories, and mortgage loan originators \\(MLOs\\) under the Consumer Financial Protection Bureau’s Regulation G \\(SAFE​ Mortgage Licensing Act – Federal Registration of Residential Mortgage Loan Originators\\), published December 19, 2011.\n\nIn 2006, the Conference of State Bank Supervisors \\(CSBS\\), on behalf of state regulators and in cooperation with the American Association of Residential Mortgage Regulators \\(AARMR\\)[^1], formed the State Regulatory Registry LLC \\(SRR\\), a limited liability corporation, to oversee the development and operations of NMLS as a licensing and registration system for the non-depository financial services industries. NMLS operations began in January 2008.\n\n## System Goals​ \n\nThe goal of NMLS is to employ the benefits of local, state-based financial services regulation on a nationwide platform that provides for improved coordination and information sharing among regulators, increased efficiencies for industry, and enhanced consumer protection.\n\n## System Governance \n\nSRR is governed by a​ seven-voting member Board of Managers comprised of state banki",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS.md",
      "headings": [
        "NMLS Reference Guide: About NMLS {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fcb .concept}",
        "System Goals​ {#section_gh4_yym_qfc .section}",
        "System Governance {#section_hh4_yym_qfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS.md:chunk-1",
      "title": "NMLS Reference Guide: About NMLS {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fcb .concept}",
      "content": "ng among regulators, increased efficiencies for industry, and enhanced consumer protection.\n\n## System Governance \n\nSRR is governed by a​ seven-voting member Board of Managers comprised of state banking commissioners and/or state mortgage regulators, including a representative nominated by AARMR[^1]. The SRR Board of Managers is responsible for all system development, operations, and policy matters concerning NMLS.\n\nNMLS policies are made with the input of all NMLS participating state agencies through a series of working groups, committees and boards that seeks to ensure thoughtful considerations of all viewpoints. ​\n\nTo assist it in making decisions and handling operational matters, the SRR Board of Managers created the NMLS Policy Committee \\(formerly the Mortgage Licensing Policy Committee\\), which is comprised of 11 state financial services regulators. The NMLS Policy Committee​​​ provides SRR a mechanism to make policy decisions for NMLS with regards to its impact on meeting state licensing regulations. Decisions are made after considering input from NMLS Participating State Agencies, licensees and industry.\n\nThe NMLS Policy Committee addresses the following types of issues:\n\n-   Regulatory policies that govern the NMLS Program\n-   System policies that govern the use of NMLS\n-   Suppression requests concerning NMLS Consumer Access\n-   B2B Subscriptions\n-   Regulator and Public Comment Periods related to NMLS and the State Examination System \\(SES\\)\n\nIn order for SRR to carry out the mortgage loan originator testing and education requirements mandated under the federal SAFE Mortgage Licensing Act of 2008, the SRR Board of Managers created the Mortgage Testing and Education Board \\(MTEB\\). The MTEB is comprised of nine state regulators representing each of the five CSBS districts and at least one AARMR[^1] representative. It has administrative responsibility regarding test security issues which apply to the administration of the SAFE MLO Test. It also serves in a",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS.md",
      "headings": [
        "NMLS Reference Guide: About NMLS {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fcb .concept}",
        "System Goals​ {#section_gh4_yym_qfc .section}",
        "System Governance {#section_hh4_yym_qfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS.md:chunk-2",
      "title": "NMLS Reference Guide: About NMLS {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fcb .concept}",
      "content": "SBS districts and at least one AARMR[^1] representative. It has administrative responsibility regarding test security issues which apply to the administration of the SAFE MLO Test. It also serves in an advisory role by providing guidance and recommendations to t​he SRR Board of Managers and staff about issues affecting the implementation and operations of SAFE Act testing and education requirements. The roster of the MTEB: Mortgage Testing and Education Board \\(MTEB\\) Members .\n\n​Additionally, the SRR Board of Managers created various taskforces, working groups and boards of state regulators, as well as advisory groups of industry representatives to provide input into the decision making process. ​​\n\n-   **Technical Requirements**  \nTechnical requirements for using NMLS in your web browser.\n-   **Hours of Operation**  \nCall center and system hours of availability.\n-   **License Types Added to NMLS**  \n​​​​​State agencies are expanding their use of NMLS to manage license authorities beyond the mortgage industry.\n-   **NMLS Unique Identifier**  \nThe NMLS Unique Identifier is the number permanently assigned by the Nationwide Multistate Licensing System​​ \\(NMLS\\) for each company, branch, and individual that maintains a single account on NMLS.\n-   **NMLS Processing Fees**  \nNMLS Processing Fees, including fees associated with testing, education credit banking, and criminal background and credit checks, are established and reviewed annually by the State Regulatory Registry LLC Board of Managers, which provides governance for NMLS. The Conference of State Bank Supervisors operates NMLS on behalf of participating state agencies.\n-   **FAQs: 2024 NMLS Processing Fee Review**  \nThe following frequently asked questions have been provided to help you understand the next steps as the SRR Board of Managers prepares to review the current . The SRR Board of Managers, which governs NMLS operations, reviews NMLS fees on an annual basis.\n-   **Using the License Requirements and Fees",
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        "System Goals​ {#section_gh4_yym_qfc .section}",
        "System Governance {#section_hh4_yym_qfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS.html",
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    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS.md:chunk-3",
      "title": "NMLS Reference Guide: About NMLS {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fcb .concept}",
      "content": "the SRR Board of Managers prepares to review the current . The SRR Board of Managers, which governs NMLS operations, reviews NMLS fees on an annual basis.\n-   **Using the License Requirements and Fees Chart**  \nThis is a companion document to the License Requirements and Fees Chart to help you filter the chart based on your entity type and goal within NMLS: applying for a new license, amending your record, or complying with periodic reporting requirements.\n-   **PDF Tips**  \n​If your upload contains multiple files, they must be merged into one PDF file. The PDF file should not be password protected. Below is a listing of some of the more popular programs and online services for creating PDF files.\n-   **Information Sharing Through NMLS**  \nInformation shared by the State Regulatory Registry LLC \\(SRR\\) under the SAFE Act.\n\n[^1]: AARMR is the national organization representing state residential mortgage regulators. AARMR's mission is to promote the exchange of information between and among the executives and employees of the various states who are charged with responsibility for the administration and regulation of residential mortgage lending, servicing and brokering.​",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS.md",
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        "NMLS Reference Guide: About NMLS {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fcb .concept}",
        "System Goals​ {#section_gh4_yym_qfc .section}",
        "System Governance {#section_hh4_yym_qfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS.html",
      "snippet": null
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    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_FAQ_2024procFeeChange.md:chunk-0",
      "title": "FAQs: 2024 NMLS Processing Fee Review {#xd_a613491c7c4123ce-6e303606-19a4563c285--7ff9 .concept}",
      "content": "# FAQs: 2024 NMLS Processing Fee Review \n\nThe following frequently asked questions have been provided to help you understand the next steps as the SRR Board of Managers prepares to review the current . The SRR Board of Managers, which governs NMLS operations, reviews NMLS fees on an annual basis.\n\n## Why are NMLS fees being reviewed now? \n\nThe SRR Board of Managers reviews NMLS fees annually to determine if the fee structure is properly aligned with the costs of efficiently operating NMLS for the 600,000 industry users who rely on the system to maintain their licensing or registration.\n\n## What is the status of the NMLS fee review process? \n\nThe SRR Board of Managers and the Conference of State Bank Supervisors \\(CSBS\\)[^1] started the NMLS fee review process in February. Based on outcomes of the fee review analysis, the SRR Board of Managers and CSBS recommend increasing NMLS processing fees for all industries, effective March 2025.\n\n## Why are CSBS and the SRR Board of Managers proposing to increase NMLS processing fees? \n\nRecent increases in inflation, rising vendor fees, and ongoing NMLS modernization and operations costs are driving our need to update the current fee structure to ensure we have sufficient resources to sustain NMLS over the long term.\n\n## Will input from state regulators and industry be considered during the NMLS fee review? \n\nYes. A public notice and comment period for the NMLS fee change proposal has been completed. Here is how the proposal comment period worked:\n\n-   A notice regarding the public comment period for the NMLS fee review proposal was posted on the Proposals for Comment page of the NMLS Resource Center. See: NMLS Fee Changes Proposal for Comment \\(PDF\\).\n-   The comment period was open May 20–July 22, 2024, for NMLS industry users and other members of the public to provide feedback on the proposal.\n-   CSBS and the SRR Board of Managers evaluated comments received during the public comment period.\n-   Comments and responses to fe",
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      "headings": [
        "FAQs: 2024 NMLS Processing Fee Review {#xd_a613491c7c4123ce-6e303606-19a4563c285--7ff9 .concept}",
        "Why are NMLS fees being reviewed now? {#section_dkr_wdg_fhc .section}",
        "What is the status of the NMLS fee review process? {#section_brl_zdg_fhc .section}",
        "Why are CSBS and the SRR Board of Managers proposing to increase NMLS processing fees? {#section_h5c_ydg_fhc .section}",
        "Will input from state regulators and industry be considered during the NMLS fee review? {#section_pkd_fjg_fhc .section}",
        "Are there resources available from the industry town hall held on June 13? {#section_afd_njg_fhc .section}",
        "Have NMLS fees ever changed? {#section_ujt_4jg_fhc .section}",
        "Which NMLS processing fees do you propose increasing? {#section_wrg_wjg_fhc .section}",
        "Who will be impacted by the NMLS processing fee increases? {#section_ehx_sng_fhc .section}",
        "Will NMLS users be given notice of any fee changes before they go into effect? {#section_df5_rng_fhc .section}",
        "Are the NMLS processing fees that will take effect March 1, 2025, the same fee changes proposed during the public comment period? {#section_alj_zdk_fhc .section}",
        "Are NMLS fees going to increase to pay for major NMLS enhancements planned over the next several years? {#section_gqf_c2k_fhc .section}",
        "What do NMLS fees cover? {#section_y5k_k2k_fhc .section}",
        "Current NMLS Fees {#section_ccw_n3k_fhc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_FAQ_2024procFeeChange.html",
      "snippet": null
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    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_FAQ_2024procFeeChange.md:chunk-1",
      "title": "FAQs: 2024 NMLS Processing Fee Review {#xd_a613491c7c4123ce-6e303606-19a4563c285--7ff9 .concept}",
      "content": "d other members of the public to provide feedback on the proposal.\n-   CSBS and the SRR Board of Managers evaluated comments received during the public comment period.\n-   Comments and responses to feedback gathered during the public comment period have been posted on the Proposals for Comment page of the NMLS Resource Center.\n\nNMLS Public Comment Policy\n\nCSBS will continue to engage with state regulators and industry throughout 2024 via direct outreach and town hall meetings.\n\n## Are there resources available from the industry town hall held on June 13? \n\nYes. Click here to view a recording of the June 13 NMLS Fee Change Proposal Town Hall.\n\n## Have NMLS fees ever changed? \n\nSince NMLS launched in 2008, NMLS licensing fees have been largely unchanged despite various system enhancements and the addition of numerous new license types to the system. However, a few NMLS fees have been adjusted slightly up and down:\n\n2013\n:   -   Fingerprint Processing Fee reduced: $39 to $36.25\n-   SAFE MLO Test with Uniform State Content \\(UST\\) Testing Enrollment Fee implementation: $110\n-   Stand-alone UST added \\(paid by MLO test takers as applicable\\): $33\n-   National Test Enrollment Fee eliminated: $92\n-   Credit card service fee added: 2.5% per transaction\n\n2014\n:   Stand-alone UST eliminated: $33\n\n2018\n:   All State Test Component\\(s\\) eliminated: $69 per State Test\n\n## Which NMLS processing fees do you propose increasing? \n\n\n\nFee Type\n\n\n\nCurrent Fee Amount\n\n\n\nProposed Fee Amount\n\n\n\n-   Company Initial Set-Up and Application Processing Fee\n-   Annual Processing Fee\n\n\n\n$100\n\n\n\n$120\n\n\n\n-   Branch Initial Set-Up and Application Processing Fee\n-   Annual Processing Fee\n\n\n\n$20\n\n\n\n$25\n\n\n\n-   Individual Initial Set-Up and Application Processing Fee\n-   Annual Processing Fee\n\n\n\n$30\n\n\n\n$35\n\n\n\n-   MLO Change of Sponsorship\n\n\n\n$30\n\n\n\n$35\n\n\n\n\nFee Type\n\n\n\nCurrent Fee Amount\n\n\n\nProposed Fee Amount\n\n\n\n-   Institution Initial Set-Up and Application Processing Fee\n-   Annual Processing Fee\n\n\n\n",
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        "FAQs: 2024 NMLS Processing Fee Review {#xd_a613491c7c4123ce-6e303606-19a4563c285--7ff9 .concept}",
        "Why are NMLS fees being reviewed now? {#section_dkr_wdg_fhc .section}",
        "What is the status of the NMLS fee review process? {#section_brl_zdg_fhc .section}",
        "Why are CSBS and the SRR Board of Managers proposing to increase NMLS processing fees? {#section_h5c_ydg_fhc .section}",
        "Will input from state regulators and industry be considered during the NMLS fee review? {#section_pkd_fjg_fhc .section}",
        "Are there resources available from the industry town hall held on June 13? {#section_afd_njg_fhc .section}",
        "Have NMLS fees ever changed? {#section_ujt_4jg_fhc .section}",
        "Which NMLS processing fees do you propose increasing? {#section_wrg_wjg_fhc .section}",
        "Who will be impacted by the NMLS processing fee increases? {#section_ehx_sng_fhc .section}",
        "Will NMLS users be given notice of any fee changes before they go into effect? {#section_df5_rng_fhc .section}",
        "Are the NMLS processing fees that will take effect March 1, 2025, the same fee changes proposed during the public comment period? {#section_alj_zdk_fhc .section}",
        "Are NMLS fees going to increase to pay for major NMLS enhancements planned over the next several years? {#section_gqf_c2k_fhc .section}",
        "What do NMLS fees cover? {#section_y5k_k2k_fhc .section}",
        "Current NMLS Fees {#section_ccw_n3k_fhc .section}"
      ],
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      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_FAQ_2024procFeeChange.md:chunk-2",
      "title": "FAQs: 2024 NMLS Processing Fee Review {#xd_a613491c7c4123ce-6e303606-19a4563c285--7ff9 .concept}",
      "content": "\n\n\n\n-   MLO Change of Sponsorship\n\n\n\n$30\n\n\n\n$35\n\n\n\n\nFee Type\n\n\n\nCurrent Fee Amount\n\n\n\nProposed Fee Amount\n\n\n\n-   Institution Initial Set-Up and Application Processing Fee\n-   Annual Processing Fee\n\n\n\n$100\n\n\n\n$120\n\n\n\n-   Individual Initial Set-Up and Application Processing Fee\n-   Annual Processing Fee if registration occurs between January and June\n\n\n\n$30\n\n\n\n$35\n\n\n\n-   Individual Initial Set-Up and Application Processing Fee\n-   Annual Processing Fee if registration occurs between July and December\n\n\n\n$60 initial / $0 annual\n\n\n\n$65 initial / $0 annual\n\n\n\n-   MLO Change of Employment Fee\n\n\n\n$30\n\n\n\n$35\n\n\n## Will this review include fees state agencies charge when I apply for and/or maintain my license? \n\nNo, state licensing fees collected through NMLS and transmitted to state agencies are not part of the NMLS fee structure. These fees are solely within the purview of state agencies.\n\n## Who will be impacted by the NMLS processing fee increases? \n\nCompanies and individuals in the mortgage, debt, consumer finance, and money services businesses industries who use NMLS to manage their state licensing or federal registration will be impacted by increased NMLS processing fees.\n\n## Will NMLS users be given notice of any fee changes before they go into effect? \n\nYes. A News Item was posted on the NMLS Resource Center following the SRR Board of Managers’ Oct. 11 decision to approve the NMLS processing fee change. The CSBS Board of Directors approved the NMLS processing fee change during their Dec. 10 board meeting. A notice regarding their decision has been posted on the News and Events.\n\nAs referenced above, the fee increases will take effect March 2025. Most NMLS industry users will not be impacted by the fee increases until they renew their license or registration between November and December 2025.\n\n## Are the NMLS processing fees that will take effect March 1, 2025, the same fee changes proposed during the public comment period? \n\nYes. The NMLS processing fees changes tha",
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        "FAQs: 2024 NMLS Processing Fee Review {#xd_a613491c7c4123ce-6e303606-19a4563c285--7ff9 .concept}",
        "Why are NMLS fees being reviewed now? {#section_dkr_wdg_fhc .section}",
        "What is the status of the NMLS fee review process? {#section_brl_zdg_fhc .section}",
        "Why are CSBS and the SRR Board of Managers proposing to increase NMLS processing fees? {#section_h5c_ydg_fhc .section}",
        "Will input from state regulators and industry be considered during the NMLS fee review? {#section_pkd_fjg_fhc .section}",
        "Are there resources available from the industry town hall held on June 13? {#section_afd_njg_fhc .section}",
        "Have NMLS fees ever changed? {#section_ujt_4jg_fhc .section}",
        "Which NMLS processing fees do you propose increasing? {#section_wrg_wjg_fhc .section}",
        "Who will be impacted by the NMLS processing fee increases? {#section_ehx_sng_fhc .section}",
        "Will NMLS users be given notice of any fee changes before they go into effect? {#section_df5_rng_fhc .section}",
        "Are the NMLS processing fees that will take effect March 1, 2025, the same fee changes proposed during the public comment period? {#section_alj_zdk_fhc .section}",
        "Are NMLS fees going to increase to pay for major NMLS enhancements planned over the next several years? {#section_gqf_c2k_fhc .section}",
        "What do NMLS fees cover? {#section_y5k_k2k_fhc .section}",
        "Current NMLS Fees {#section_ccw_n3k_fhc .section}"
      ],
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    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_FAQ_2024procFeeChange.md:chunk-3",
      "title": "FAQs: 2024 NMLS Processing Fee Review {#xd_a613491c7c4123ce-6e303606-19a4563c285--7ff9 .concept}",
      "content": "ber and December 2025.\n\n## Are the NMLS processing fees that will take effect March 1, 2025, the same fee changes proposed during the public comment period? \n\nYes. The NMLS processing fees changes that were proposed as part of the public comment period are the same fee changes that will take effect March 1, 2025.\n\n## Are NMLS fees going to increase to pay for major NMLS enhancements planned over the next several years? \n\nOur NMLS fee review considered several factors, including the impacts of inflation, costs of ongoing NMLS enhancements, and rising vendor fees—costs that NMLS has absorbed over the past 15 years and show no signs of abating in the future.\n\n## What do NMLS fees cover? \n\nNMLS fees are used to pay for NMLS operations and development. NMLS operations include:\n\n-   Maintaining and developing all system functionality\n-   Providing system availability\n-   Retaining all records and ensuring system data security\n-   Operating the NMLS Call Center\n-   Updating and developing the NMLS Resource Center\n-   Updating and developing NMLS Consumer Access\n-   Developing and maintaining the State Examination System \\(SES\\)\n-   Developing common policies and practices amongst the states\n\nMany of the capabilities available through NMLS are mandated under the federal SAFE Mortgage Licensing Act of 2008, including mortgage loan originator testing and education enrollment and the ability to obtain criminal background checks and credit reports.\n\n## Current NMLS Fees \n\nSee .\n\n**Parent topic:**NMLS Reference Guide: About NMLS\n\n[^1]: CSBS manages NMLS on behalf of state regulators.\n[^2]: Fee changes are proposed for the Initial Set-Up or Application Processing Fee, the Annual Processing Fee, and the MLO Change of Sponsorship for State Licensure.\n[^3]: Fee changes are proposed for the Initial Set-Up or Application Processing Fee, the Annual Processing Fee, and the MLO Change of Employment Fee for Federal Registration.",
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        "FAQs: 2024 NMLS Processing Fee Review {#xd_a613491c7c4123ce-6e303606-19a4563c285--7ff9 .concept}",
        "Why are NMLS fees being reviewed now? {#section_dkr_wdg_fhc .section}",
        "What is the status of the NMLS fee review process? {#section_brl_zdg_fhc .section}",
        "Why are CSBS and the SRR Board of Managers proposing to increase NMLS processing fees? {#section_h5c_ydg_fhc .section}",
        "Will input from state regulators and industry be considered during the NMLS fee review? {#section_pkd_fjg_fhc .section}",
        "Are there resources available from the industry town hall held on June 13? {#section_afd_njg_fhc .section}",
        "Have NMLS fees ever changed? {#section_ujt_4jg_fhc .section}",
        "Which NMLS processing fees do you propose increasing? {#section_wrg_wjg_fhc .section}",
        "Who will be impacted by the NMLS processing fee increases? {#section_ehx_sng_fhc .section}",
        "Will NMLS users be given notice of any fee changes before they go into effect? {#section_df5_rng_fhc .section}",
        "Are the NMLS processing fees that will take effect March 1, 2025, the same fee changes proposed during the public comment period? {#section_alj_zdk_fhc .section}",
        "Are NMLS fees going to increase to pay for major NMLS enhancements planned over the next several years? {#section_gqf_c2k_fhc .section}",
        "What do NMLS fees cover? {#section_y5k_k2k_fhc .section}",
        "Current NMLS Fees {#section_ccw_n3k_fhc .section}"
      ],
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      "content": "the Initial Set-Up or Application Processing Fee, the Annual Processing Fee, and the MLO Change of Employment Fee for Federal Registration.",
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        "FAQs: 2024 NMLS Processing Fee Review {#xd_a613491c7c4123ce-6e303606-19a4563c285--7ff9 .concept}",
        "Why are NMLS fees being reviewed now? {#section_dkr_wdg_fhc .section}",
        "What is the status of the NMLS fee review process? {#section_brl_zdg_fhc .section}",
        "Why are CSBS and the SRR Board of Managers proposing to increase NMLS processing fees? {#section_h5c_ydg_fhc .section}",
        "Will input from state regulators and industry be considered during the NMLS fee review? {#section_pkd_fjg_fhc .section}",
        "Are there resources available from the industry town hall held on June 13? {#section_afd_njg_fhc .section}",
        "Have NMLS fees ever changed? {#section_ujt_4jg_fhc .section}",
        "Which NMLS processing fees do you propose increasing? {#section_wrg_wjg_fhc .section}",
        "Who will be impacted by the NMLS processing fee increases? {#section_ehx_sng_fhc .section}",
        "Will NMLS users be given notice of any fee changes before they go into effect? {#section_df5_rng_fhc .section}",
        "Are the NMLS processing fees that will take effect March 1, 2025, the same fee changes proposed during the public comment period? {#section_alj_zdk_fhc .section}",
        "Are NMLS fees going to increase to pay for major NMLS enhancements planned over the next several years? {#section_gqf_c2k_fhc .section}",
        "What do NMLS fees cover? {#section_y5k_k2k_fhc .section}",
        "Current NMLS Fees {#section_ccw_n3k_fhc .section}"
      ],
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    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_failedPaymentPolicy.md:chunk-0",
      "title": "Failed Payment and Payment Dispute Policy {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7fdf .concept}",
      "content": "# Failed Payment and Payment Dispute Policy \n\nNMLS policy for collecting failed payments.\n\n## Background \n\nNMLS \\(Nationwide Mortgage Licensing System or System\\) processes payments through the System that include funds for state agency fees as well as NMLS Processing Fees. State agency fees are passed to the relevant state agency. For a list of NMLS Processing Fees, see NMLS Processing Fees.\n\nNMLS does not issue refunds for state agency or NMLS Processing Fees. Refund requests for state agency fees should be directed to the relevant state agency. NMLS Processing Fees are non-refundable. NMLS users are encouraged to use the tools and resources available on the NMLS Resource Center to understand state agency requirements prior to taking actions in NMLS that incur fees.\n\nUsers of NMLS are obligated for the NMLS Processing Fees incurred, regardless of failure of NMLS, the ACH transaction, or credit card transaction. The information in this document outlines NMLS policy for collecting failed payments.\n\n## Policy \n\nACH Transactions\n:   When NMLS receives notification of an ACH return after funds were already disbursed to a state agency, the state agency, company, institution and/or mortgage loan originator \\(MLO\\) will be notified of the return. The company, institution and/or MLO will be afforded a reasonable opportunity to successfully remit the applicable payment\\(s\\) within NMLS \\(effective July 28, 2014\\). If the institution and/or MLO does not remit payment within the designated time period, access for the invoice creator’s NMLS account will be temporarily restricted until payment is received.\n\nCredit Card Transactions\n:   In instances where NMLS processes payments which are then disputed with the credit card company, NMLS provides the appropriate response to the credit card company indicating whether or not the charge is legitimate.\n\nIn the case of a dispute of an NMLS Processing Fee that is determined by NMLS to be legitimate, the payee will be invoiced, notified",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_failedPaymentPolicy.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_failedPaymentPolicy.md",
      "headings": [
        "Failed Payment and Payment Dispute Policy {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7fdf .concept}",
        "Background {#section_dvw_d1c_sfc .section}",
        "Policy {#section_obj_g1c_sfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_failedPaymentPolicy.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_failedPaymentPolicy.md:chunk-1",
      "title": "Failed Payment and Payment Dispute Policy {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7fdf .concept}",
      "content": "t card company indicating whether or not the charge is legitimate.\n\nIn the case of a dispute of an NMLS Processing Fee that is determined by NMLS to be legitimate, the payee will be invoiced, notified and afforded a reasonable opportunity to successfully remit the applicable payment\\(s\\) within NMLS. If the payee does not remit payment within the designated time period, the original invoice creator’s NMLS account will be temporarily restricted until payment is received.\n\nDisputes concerning state agency fees should be discussed with the relevant state regulator.\n\n**Parent topic:**NMLS System Policies and Terms of Use",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_failedPaymentPolicy.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_failedPaymentPolicy.md",
      "headings": [
        "Failed Payment and Payment Dispute Policy {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7fdf .concept}",
        "Background {#section_dvw_d1c_sfc .section}",
        "Policy {#section_obj_g1c_sfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_failedPaymentPolicy.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_infoSharing.md:chunk-0",
      "title": "Information Sharing Through NMLS {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fbf .concept}",
      "content": "# Information Sharing Through NMLS \n\nInformation shared by the State Regulatory Registry LLC \\(SRR\\) under the SAFE Act.\n\n​​​​The SAFE Act was designed to protect consumers and reduce fraud by requiring all mortgage loan originators \\(MLOs\\) to be either licensed or registered through the Nationwide Multistate Licensing System \\(NMLS\\). The Act was also passed in order to facilitate information sharing between regulatory agencies in order to enhance consumer protection to help eliminate duplicative requests by different agencies for similar information.\n\nUnder authority contained in §1512 of the SAFE Act \\(12 USC §5111\\), *Confidentiality of Information* the State Regulatory Registry LLC \\(SRR\\)[^1] has the ability to share information disclosed by users and licensees of NMLS. This information \"may be shared with all state and federal regulatory officials with mortgage or financial services industry oversight authority without the loss of privilege or the loss of confidentiality protections provided by federal and state laws.\"\n\nIn the State Agency Terms of Use for NMLS, participating state agencies anticipated the need for information sharing among state and federal regulatory agencies. The **Terms of Use** authorize SRR to share information uploaded to NMLS to state and federal regulatory officials who have regulatory oversight authority but subject to appropriate usage agreements \\(MOUs\\) entered into by SRR and the state and federal agency.\n\n> 4\\(E\\) SRR is authorized by State Agency to share Applicant Data, as well as any other data of content uploaded to the System by State Agency, provided to NMLS with all state and federal regulatory officials who certify that they have mortgage or financial services industry oversight authority and are subject to, and have legal authority to comply with, Section 1512, Confidentiality of Information, of the SAFE Mortgage Licensing Act of 2008 subject to appropriate usage agreements entered into by SRR and the state or federal",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_infoSharing.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_infoSharing.md",
      "headings": [
        "Information Sharing Through NMLS {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fbf .concept}",
        "Information Sharing MOU Protocol {#section_d3m_b5r_qfc .section}",
        "Who are we sharing with? {#section_kwv_35r_qfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_infoSharing.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_infoSharing.md:chunk-1",
      "title": "Information Sharing Through NMLS {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fbf .concept}",
      "content": " authority to comply with, Section 1512, Confidentiality of Information, of the SAFE Mortgage Licensing Act of 2008 subject to appropriate usage agreements entered into by SRR and the state or federal agency. SRR shall not share FBI criminal background checks or credit checks with federal regulatory officials.\n\nSimilarly, the Industry Terms of Use for NMLS states, “Applicant Data may be shared with relevant state agencies and/or federal agencies and financial services or securities industry self-regulatory organizations.”\n\n## Information Sharing MOU Protocol \n\nThe SRR Board of Managers[^2] issued a protocol regarding the creation and implementation of information sharing MOUs between SRR \\(on behalf of CSBS and the NMLS participating state agencies\\) and federal agencies and organizations. The protocol contains the governing process for the approval of such MOUs by SRR, which includes: a determination that the request is consistent with the mandates of the SAFE Act; NMLS Policy Committee and SRR Lawyers Committee review; and approved by the SRR Board of Managers and the CSBS Executive Committee.\n\n## Who are we sharing with? \n\nSRR has entered into MOUs with several federal government agencies to govern the sharing of information. These agencies are:\n\n-   Office of Financial Research \\(OFR\\)\n-   Consumer Financial Protection Bureau \\(CFPB\\)\n-   Financial Crimes Enforcement Network \\(FinCEN\\)\n-   Federal Housing Administration \\(FHA\\)\n-   Federal Trade Commission \\(FTC\\)\n-   Federal Reserve Board​\n-   Federal Deposit Insurance Corporation​ \\(FDIC\\)\n-   Financial Stability Oversight Council​ \\(FSOC\\)https://www.federalreserve.gov/\n\n**Parent topic:**NMLS Reference Guide: About NMLS\n\n[^1]: State Regulatory Registry LLC \\(SRR\\) is a nonprofit subsidiary of the Conference of State Bank Supervisors\\(CSBS\\) that operates NMLS on behalf of state financial services regulatory agencies.\n[^2]: SRR is governed by a seven-voting member Board of Managers comprised of state banking c",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_infoSharing.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_infoSharing.md",
      "headings": [
        "Information Sharing Through NMLS {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fbf .concept}",
        "Information Sharing MOU Protocol {#section_d3m_b5r_qfc .section}",
        "Who are we sharing with? {#section_kwv_35r_qfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_infoSharing.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_infoSharing.md:chunk-2",
      "title": "Information Sharing Through NMLS {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fbf .concept}",
      "content": "ate Bank Supervisors\\(CSBS\\) that operates NMLS on behalf of state financial services regulatory agencies.\n[^2]: SRR is governed by a seven-voting member Board of Managers comprised of state banking commissioners and/or state mortgage regulators, including a representative nominated by AARMR. The SRR Board of Managers is responsible for all system development, operations, and policy matters concerning NMLS.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_infoSharing.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_infoSharing.md",
      "headings": [
        "Information Sharing Through NMLS {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fbf .concept}",
        "Information Sharing MOU Protocol {#section_d3m_b5r_qfc .section}",
        "Who are we sharing with? {#section_kwv_35r_qfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_infoSharing.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_licReqFees_companyNewApp.md:chunk-0",
      "title": "Company New License Application {#xd_8ec98ff868496916--4ef7ea60-197dfc1e23e--7ff8 .reference}",
      "content": "# Company New License Application \n\n## Show Columns: \n\n-   A-R,\n-   AA-AJ,\n-   AV-BA\n\n## Hide Columns: \n\n-   S-Z,\n-   AK-AU,\n-   BB-BI\n\n|Columns|Category of Information|Notes|\n|-------|-----------------------|-----|\n|A-C|License or Registration Information|A list of the state agencies, license names, and license requirement statutes.|\n|D-I|Criminal Background Check \\(CBC\\) and Credit Report Requirements for Control Individuals|Indicates what actions require the control individual listed in each column to do a CBC or credit report. A “No” or “N/A” in the column means a control person does not need to complete the listed requirement.|\n|J-O|NMLS Document Uploads|Indicates if the documents referenced in the column header must be uploaded in the Document Uploads section of the MU2. A Yes in these columns means the document listed must be uploaded during the new application process.|\n|P-R|Financial Statement|Indicates what classification of Financial Statement is required \\(if any\\) and corresponding net worth requirements.|\n|AA-AJ|Electronic Surety Bond|Indicates if the electronic surety bond \\(ESB\\) is required or allowed, if a specific control individual is required to sign the ESB, minimum bond amounts required, and information related to cancellation and conversion.|\n|AV-BA|Fees|Provides the fees required for the selected license as well as any additional information needed.|\n\n**Parent topic:**Using the License Requirements and Fees Chart",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_licReqFees_companyNewApp.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_licReqFees_companyNewApp.md",
      "headings": [
        "Company New License Application {#xd_8ec98ff868496916--4ef7ea60-197dfc1e23e--7ff8 .reference}",
        "Show Columns: {#section_sjh_23s_gtb .section}",
        "Hide Columns: {#section_wrh_f3g_yfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_licReqFees_companyNewApp.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_licReqFees_companyNewApp_2.md:chunk-0",
      "title": "Company New License Application {#xd_8ec98ff868496916--4ef7ea60-197dfc1e23e--7ff8 .reference}",
      "content": "# Company New License Application \n\n## Show Columns: \n\n-   A-R,\n-   AA-AJ,\n-   AV-BA\n\n## Hide Columns: \n\n-   S-Z,\n-   AK-AU,\n-   BB-BI\n\n|Columns|Category of Information|Notes|\n|-------|-----------------------|-----|\n|A-C|License or Registration Information|A list of the state agencies, license names, and license requirement statutes.|\n|D-I|Criminal Background Check \\(CBC\\) and Credit Report Requirements for Control Individuals|Indicates what actions require the control individual listed in each column to do a CBC or credit report. A “No” or “N/A” in the column means a control person does not need to complete the listed requirement.|\n|J-O|NMLS Document Uploads|Indicates if the documents referenced in the column header must be uploaded in the Document Uploads section of the MU2. A Yes in these columns means the document listed must be uploaded during the new application process.|\n|P-R|Financial Statement|Indicates what classification of Financial Statement is required \\(if any\\) and corresponding net worth requirements.|\n|AA-AJ|Electronic Surety Bond|Indicates if the electronic surety bond \\(ESB\\) is required or allowed, if a specific control individual is required to sign the ESB, minimum bond amounts required, and information related to cancellation and conversion.|\n|AV-BA|Fees|Provides the fees required for the selected license as well as any additional information needed.|\n\n**Parent topic:**Using the License Requirements and Fees Chart",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_licReqFees_companyNewApp_2.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_licReqFees_companyNewApp_2.md",
      "headings": [
        "Company New License Application {#xd_8ec98ff868496916--4ef7ea60-197dfc1e23e--7ff8 .reference}",
        "Show Columns: {#section_sjh_23s_gtb .section}",
        "Hide Columns: {#section_wrh_f3g_yfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_licReqFees_companyNewApp_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_licReqFees_companyNewApp_3.md:chunk-0",
      "title": "Company New License Application {#xd_8ec98ff868496916--4ef7ea60-197dfc1e23e--7ff8 .reference}",
      "content": "# Company New License Application \n\n## Show Columns: \n\n-   A-R,\n-   AA-AJ,\n-   AV-BA\n\n## Hide Columns: \n\n-   S-Z,\n-   AK-AU,\n-   BB-BI\n\n|Columns|Category of Information|Notes|\n|-------|-----------------------|-----|\n|A-C|License or Registration Information|A list of the state agencies, license names, and license requirement statutes.|\n|D-I|Criminal Background Check \\(CBC\\) and Credit Report Requirements for Control Individuals|Indicates what actions require the control individual listed in each column to do a CBC or credit report. A “No” or “N/A” in the column means a control person does not need to complete the listed requirement.|\n|J-O|NMLS Document Uploads|Indicates if the documents referenced in the column header must be uploaded in the Document Uploads section of the MU2. A Yes in these columns means the document listed must be uploaded during the new application process.|\n|P-R|Financial Statement|Indicates what classification of Financial Statement is required \\(if any\\) and corresponding net worth requirements.|\n|AA-AJ|Electronic Surety Bond|Indicates if the electronic surety bond \\(ESB\\) is required or allowed, if a specific control individual is required to sign the ESB, minimum bond amounts required, and information related to cancellation and conversion.|\n|AV-BA|Fees|Provides the fees required for the selected license as well as any additional information needed.|\n\n**Parent topic:**Using the License Requirements and Fees Chart",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_licReqFees_companyNewApp_3.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_licReqFees_companyNewApp_3.md",
      "headings": [
        "Company New License Application {#xd_8ec98ff868496916--4ef7ea60-197dfc1e23e--7ff8 .reference}",
        "Show Columns: {#section_sjh_23s_gtb .section}",
        "Hide Columns: {#section_wrh_f3g_yfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_licReqFees_companyNewApp_3.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_licReqFees_companyNewApp_4.md:chunk-0",
      "title": "Company New License Application {#xd_8ec98ff868496916--4ef7ea60-197dfc1e23e--7ff8 .reference}",
      "content": "# Company New License Application \n\n## Show Columns: \n\n-   A-R,\n-   AA-AJ,\n-   AV-BA\n\n## Hide Columns: \n\n-   S-Z,\n-   AK-AU,\n-   BB-BI\n\n|Columns|Category of Information|Notes|\n|-------|-----------------------|-----|\n|A-C|License or Registration Information|A list of the state agencies, license names, and license requirement statutes.|\n|D-I|Criminal Background Check \\(CBC\\) and Credit Report Requirements for Control Individuals|Indicates what actions require the control individual listed in each column to do a CBC or credit report. A “No” or “N/A” in the column means a control person does not need to complete the listed requirement.|\n|J-O|NMLS Document Uploads|Indicates if the documents referenced in the column header must be uploaded in the Document Uploads section of the MU2. A Yes in these columns means the document listed must be uploaded during the new application process.|\n|P-R|Financial Statement|Indicates what classification of Financial Statement is required \\(if any\\) and corresponding net worth requirements.|\n|AA-AJ|Electronic Surety Bond|Indicates if the electronic surety bond \\(ESB\\) is required or allowed, if a specific control individual is required to sign the ESB, minimum bond amounts required, and information related to cancellation and conversion.|\n|AV-BA|Fees|Provides the fees required for the selected license as well as any additional information needed.|\n\n**Parent topic:**Using the License Requirements and Fees Chart",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_licReqFees_companyNewApp_4.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_licReqFees_companyNewApp_4.md",
      "headings": [
        "Company New License Application {#xd_8ec98ff868496916--4ef7ea60-197dfc1e23e--7ff8 .reference}",
        "Show Columns: {#section_sjh_23s_gtb .section}",
        "Hide Columns: {#section_wrh_f3g_yfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_licReqFees_companyNewApp_4.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_licReqFees_companyNewApp_5.md:chunk-0",
      "title": "Company New License Application {#xd_8ec98ff868496916--4ef7ea60-197dfc1e23e--7ff8 .reference}",
      "content": "# Company New License Application \n\n## Show Columns: \n\n-   A-R,\n-   AA-AJ,\n-   AV-BA\n\n## Hide Columns: \n\n-   S-Z,\n-   AK-AU,\n-   BB-BI\n\n|Columns|Category of Information|Notes|\n|-------|-----------------------|-----|\n|A-C|License or Registration Information|A list of the state agencies, license names, and license requirement statutes.|\n|D-I|Criminal Background Check \\(CBC\\) and Credit Report Requirements for Control Individuals|Indicates what actions require the control individual listed in each column to do a CBC or credit report. A “No” or “N/A” in the column means a control person does not need to complete the listed requirement.|\n|J-O|NMLS Document Uploads|Indicates if the documents referenced in the column header must be uploaded in the Document Uploads section of the MU2. A Yes in these columns means the document listed must be uploaded during the new application process.|\n|P-R|Financial Statement|Indicates what classification of Financial Statement is required \\(if any\\) and corresponding net worth requirements.|\n|AA-AJ|Electronic Surety Bond|Indicates if the electronic surety bond \\(ESB\\) is required or allowed, if a specific control individual is required to sign the ESB, minimum bond amounts required, and information related to cancellation and conversion.|\n|AV-BA|Fees|Provides the fees required for the selected license as well as any additional information needed.|\n\n**Parent topic:**Using the License Requirements and Fees Chart",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_licReqFees_companyNewApp_5.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_licReqFees_companyNewApp_5.md",
      "headings": [
        "Company New License Application {#xd_8ec98ff868496916--4ef7ea60-197dfc1e23e--7ff8 .reference}",
        "Show Columns: {#section_sjh_23s_gtb .section}",
        "Hide Columns: {#section_wrh_f3g_yfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_licReqFees_companyNewApp_5.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_licReqsFeesChart-1.md:chunk-0",
      "title": "Using the License Requirements and Fees Chart {#xd_8ec98ff868496916--4ef7ea60-197dfc1e23e--7ff9 .concept}",
      "content": "# Using the License Requirements and Fees Chart \n\nThis is a companion document to the License Requirements and Fees Chart to help you filter the chart based on your entity type and goal within NMLS: applying for a new license, amending your record, or complying with periodic reporting requirements.\n\nThere may be additional state-specific requirements for your license. Review the relevant state specific checklists found on the State Licensing Checklist Compiler page to ensure that you have all information and requirements.\n\n**Note:** The License Requirements and Fees Chart is a Microsoft Excel document. If you do not have Microsoft Excel, we recommend importing the chart into a 3rd party service like Google Sheets to maximize usability.\n\n-   **Company New License Application**  \n\n-   **Company Amendment**  \nThis information is applicable to companies who have an existing license and wish to make changes to the Legal Name or Status, Main Address, Other Trades Names or Owners and Control Persons.\n-   **Company Periodic Reporting \\(MCR, MSBCR, or UAAR\\)**  \nThis information is applicable to companies who have an existing license and need to satisfy any periodic reporting requirements, including the Mortgage Call Reports \\(MCR\\), Money Service Business Call Reports \\(MSB\\), and Uniform Authorized Agent Reporting \\(UAAR\\).\n-   **Branch New License Application**  \n\n-   **Branch Amendment**  \nThis information is applicable to companies who have an existing branch license and wish to make changes to their MU3 filing.\n-   **Individual New License Application**  \n\n-   **Individual Amendment**  \nThere is no information for individual amendments included in the License Requirements and Fees Chart. Review the relevant state-specific checklists using the State Licensing Checklist Compiler to ensure that you have all information and requirements.\n\n**Parent topic:**Gathering Requirements\n\n**NMLS Reference Guide**  \n\nNMLS Processing Fees\n\nCorrecting Failed Payments\n\nNMLS Payment Opti",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_licReqsFeesChart-1.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_licReqsFeesChart-1.md",
      "headings": [
        "Using the License Requirements and Fees Chart {#xd_8ec98ff868496916--4ef7ea60-197dfc1e23e--7ff9 .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_licReqsFeesChart-1.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_licReqsFeesChart-1.md:chunk-1",
      "title": "Using the License Requirements and Fees Chart {#xd_8ec98ff868496916--4ef7ea60-197dfc1e23e--7ff9 .concept}",
      "content": "iler to ensure that you have all information and requirements.\n\n**Parent topic:**Gathering Requirements\n\n**NMLS Reference Guide**  \n\nNMLS Processing Fees\n\nCorrecting Failed Payments\n\nNMLS Payment Options\n\n**NMLS Resource Center**  \n\nState Licensing Checklist Compiler\n\nState Renewals Checklist Compiler\n\nNMLS Resource Center Home\n\nNMLS Call Center",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_licReqsFeesChart-1.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_licReqsFeesChart-1.md",
      "headings": [
        "Using the License Requirements and Fees Chart {#xd_8ec98ff868496916--4ef7ea60-197dfc1e23e--7ff9 .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_licReqsFeesChart-1.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_licReqsFeesChart-1_2.md:chunk-0",
      "title": "Using the License Requirements and Fees Chart {#xd_8ec98ff868496916--4ef7ea60-197dfc1e23e--7ff9 .concept}",
      "content": "# Using the License Requirements and Fees Chart \n\nThis is a companion document to the License Requirements and Fees Chart to help you filter the chart based on your entity type and goal within NMLS: applying for a new license, amending your record, or complying with periodic reporting requirements.\n\nThere may be additional state-specific requirements for your license. Review the relevant state specific checklists found on the State Licensing Checklist Compiler page to ensure that you have all information and requirements.\n\n**Note:** The License Requirements and Fees Chart is a Microsoft Excel document. If you do not have Microsoft Excel, we recommend importing the chart into a 3rd party service like Google Sheets to maximize usability.\n\n-   **Company New License Application**  \n\n-   **Company Amendment**  \nThis information is applicable to companies who have an existing license and wish to make changes to the Legal Name or Status, Main Address, Other Trades Names or Owners and Control Persons.\n-   **Company Periodic Reporting \\(MCR, MSBCR, or UAAR\\)**  \nThis information is applicable to companies who have an existing license and need to satisfy any periodic reporting requirements, including the Mortgage Call Reports \\(MCR\\), Money Service Business Call Reports \\(MSB\\), and Uniform Authorized Agent Reporting \\(UAAR\\).\n-   **Branch New License Application**  \n\n-   **Branch Amendment**  \nThis information is applicable to companies who have an existing branch license and wish to make changes to their MU3 filing.\n-   **Individual New License Application**  \n\n-   **Individual Amendment**  \nThere is no information for individual amendments included in the License Requirements and Fees Chart. Review the relevant state-specific checklists using the State Licensing Checklist Compiler to ensure that you have all information and requirements.\n\n**Parent topic:**Gathering Requirements",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_licReqsFeesChart-1_2.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_licReqsFeesChart-1_2.md",
      "headings": [
        "Using the License Requirements and Fees Chart {#xd_8ec98ff868496916--4ef7ea60-197dfc1e23e--7ff9 .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_licReqsFeesChart-1_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_licReqsFeesChart-1_3.md:chunk-0",
      "title": "Using the License Requirements and Fees Chart {#xd_8ec98ff868496916--4ef7ea60-197dfc1e23e--7ff9 .concept}",
      "content": "# Using the License Requirements and Fees Chart \n\nThis is a companion document to the License Requirements and Fees Chart to help you filter the chart based on your entity type and goal within NMLS: applying for a new license, amending your record, or complying with periodic reporting requirements.\n\nThere may be additional state-specific requirements for your license. Review the relevant state specific checklists found on the State Licensing Checklist Compiler page to ensure that you have all information and requirements.\n\n**Note:** The License Requirements and Fees Chart is a Microsoft Excel document. If you do not have Microsoft Excel, we recommend importing the chart into a 3rd party service like Google Sheets to maximize usability.\n\n-   **Company New License Application**  \n\n-   **Company Amendment**  \nThis information is applicable to companies who have an existing license and wish to make changes to the Legal Name or Status, Main Address, Other Trades Names or Owners and Control Persons.\n-   **Company Periodic Reporting \\(MCR, MSBCR, or UAAR\\)**  \nThis information is applicable to companies who have an existing license and need to satisfy any periodic reporting requirements, including the Mortgage Call Reports \\(MCR\\), Money Service Business Call Reports \\(MSB\\), and Uniform Authorized Agent Reporting \\(UAAR\\).\n-   **Branch New License Application**  \n\n-   **Branch Amendment**  \nThis information is applicable to companies who have an existing branch license and wish to make changes to their MU3 filing.\n-   **Individual New License Application**  \n\n-   **Individual Amendment**  \nThere is no information for individual amendments included in the License Requirements and Fees Chart. Review the relevant state-specific checklists using the State Licensing Checklist Compiler to ensure that you have all information and requirements.\n\n**Parent topic:**Gathering Requirements",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_licReqsFeesChart-1_3.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_licReqsFeesChart-1_3.md",
      "headings": [
        "Using the License Requirements and Fees Chart {#xd_8ec98ff868496916--4ef7ea60-197dfc1e23e--7ff9 .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_licReqsFeesChart-1_3.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_licReqsFeesChart-1_4.md:chunk-0",
      "title": "Using the License Requirements and Fees Chart {#xd_8ec98ff868496916--4ef7ea60-197dfc1e23e--7ff9 .concept}",
      "content": "# Using the License Requirements and Fees Chart \n\nThis is a companion document to the License Requirements and Fees Chart to help you filter the chart based on your entity type and goal within NMLS: applying for a new license, amending your record, or complying with periodic reporting requirements.\n\nThere may be additional state-specific requirements for your license. Review the relevant state specific checklists found on the State Licensing Checklist Compiler page to ensure that you have all information and requirements.\n\n**Note:** The License Requirements and Fees Chart is a Microsoft Excel document. If you do not have Microsoft Excel, we recommend importing the chart into a 3rd party service like Google Sheets to maximize usability.\n\n-   **Company New License Application**  \n\n-   **Company Amendment**  \nThis information is applicable to companies who have an existing license and wish to make changes to the Legal Name or Status, Main Address, Other Trades Names or Owners and Control Persons.\n-   **Company Periodic Reporting \\(MCR, MSBCR, or UAAR\\)**  \nThis information is applicable to companies who have an existing license and need to satisfy any periodic reporting requirements, including the Mortgage Call Reports \\(MCR\\), Money Service Business Call Reports \\(MSB\\), and Uniform Authorized Agent Reporting \\(UAAR\\).\n-   **Branch New License Application**  \n\n-   **Branch Amendment**  \nThis information is applicable to companies who have an existing branch license and wish to make changes to their MU3 filing.\n-   **Individual New License Application**  \n\n-   **Individual Amendment**  \nThere is no information for individual amendments included in the License Requirements and Fees Chart. Review the relevant state-specific checklists using the State Licensing Checklist Compiler to ensure that you have all information and requirements.\n\n**Parent topic:**Gathering Requirements",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_licReqsFeesChart-1_4.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_licReqsFeesChart-1_4.md",
      "headings": [
        "Using the License Requirements and Fees Chart {#xd_8ec98ff868496916--4ef7ea60-197dfc1e23e--7ff9 .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_licReqsFeesChart-1_4.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_licReqsFeesChart-1_5.md:chunk-0",
      "title": "Using the License Requirements and Fees Chart {#xd_8ec98ff868496916--4ef7ea60-197dfc1e23e--7ff9 .concept}",
      "content": "# Using the License Requirements and Fees Chart \n\nThis is a companion document to the License Requirements and Fees Chart to help you filter the chart based on your entity type and goal within NMLS: applying for a new license, amending your record, or complying with periodic reporting requirements.\n\nThere may be additional state-specific requirements for your license. Review the relevant state specific checklists found on the State Licensing Checklist Compiler page to ensure that you have all information and requirements.\n\n**Note:** The License Requirements and Fees Chart is a Microsoft Excel document. If you do not have Microsoft Excel, we recommend importing the chart into a 3rd party service like Google Sheets to maximize usability.\n\n-   **Company New License Application**  \n\n-   **Company Amendment**  \nThis information is applicable to companies who have an existing license and wish to make changes to the Legal Name or Status, Main Address, Other Trades Names or Owners and Control Persons.\n-   **Company Periodic Reporting \\(MCR, MSBCR, or UAAR\\)**  \nThis information is applicable to companies who have an existing license and need to satisfy any periodic reporting requirements, including the Mortgage Call Reports \\(MCR\\), Money Service Business Call Reports \\(MSB\\), and Uniform Authorized Agent Reporting \\(UAAR\\).\n-   **Branch New License Application**  \n\n-   **Branch Amendment**  \nThis information is applicable to companies who have an existing branch license and wish to make changes to their MU3 filing.\n-   **Individual New License Application**  \n\n-   **Individual Amendment**  \nThere is no information for individual amendments included in the License Requirements and Fees Chart. Review the relevant state-specific checklists using the State Licensing Checklist Compiler to ensure that you have all information and requirements.\n\n**Parent topic:**NMLS Reference Guide: About NMLS",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_licReqsFeesChart-1_5.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_licReqsFeesChart-1_5.md",
      "headings": [
        "Using the License Requirements and Fees Chart {#xd_8ec98ff868496916--4ef7ea60-197dfc1e23e--7ff9 .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_licReqsFeesChart-1_5.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_licReqsFeesChart-2.md:chunk-0",
      "title": "Using the License Requirements and Fees Chart {#xd_8ec98ff868496916--4ef7ea60-197dfc1e23e--7ff9 .concept}",
      "content": "# Using the License Requirements and Fees Chart \n\nThis is a companion document to the License Requirements and Fees Chart to help you filter the chart based on your entity type and goal within NMLS: applying for a new license, amending your record, or complying with periodic reporting requirements.\n\nThere may be additional state-specific requirements for your license. Review the relevant state specific checklists found on the State Licensing Checklist Compiler page to ensure that you have all information and requirements.\n\n**Note:** The License Requirements and Fees Chart is a Microsoft Excel document. If you do not have Microsoft Excel, we recommend importing the chart into a 3rd party service like Google Sheets to maximize usability.\n\n**NMLS Reference Guide**  \n\nNMLS Processing Fees\n\nCorrecting Failed Payments\n\nNMLS Payment Options\n\n**NMLS Resource Center**  \n\nState Licensing Checklist Compiler\n\nState Renewals Checklist Compiler\n\nNMLS Resource Center Home\n\nNMLS Call Center",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_licReqsFeesChart-2.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_licReqsFeesChart-2.md",
      "headings": [
        "Using the License Requirements and Fees Chart {#xd_8ec98ff868496916--4ef7ea60-197dfc1e23e--7ff9 .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_licReqsFeesChart-2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_licReqsFeesChart.md:chunk-0",
      "title": "Using the License Requirements and Fees Chart {#xd_8ec98ff868496916--4ef7ea60-197dfc1e23e--7ff9 .concept}",
      "content": "# Using the License Requirements and Fees Chart \n\nThis is a companion document to the License Requirements and Fees Chart to help you filter the chart based on your entity type and goal within NMLS: applying for a new license, amending your record, or complying with periodic reporting requirements.\n\nThere may be additional state-specific requirements for your license. Review the relevant state specific checklists found on the State Licensing Checklist Compiler page to ensure that you have all information and requirements.\n\n**Note:** The License Requirements and Fees Chart is a Microsoft Excel document. If you do not have Microsoft Excel, we recommend importing the chart into a 3rd party service like Google Sheets to maximize usability.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_licReqsFeesChart.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_licReqsFeesChart.md",
      "headings": [
        "Using the License Requirements and Fees Chart {#xd_8ec98ff868496916--4ef7ea60-197dfc1e23e--7ff9 .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_licReqsFeesChart.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_licReqsFees_brancAmend.md:chunk-0",
      "title": "Branch Amendment {#xd_51e7db9c22e4a844-5dcbced4-19803da84a1--7ffb .reference}",
      "content": "# Branch Amendment \n\nThis information is applicable to companies who have an existing branch license and wish to make changes to their MU3 filing.\n\n## Show Columns: \n\n-   A-C,\n-   L-N,\n-   U-Z\n\n## Hide Columns: \n\n-   D-K,\n-   O-T\n\n|Columns|Category of Information|Notes|\n|-------|-----------------------|-----|\n|A-C|License or Registration Information|A list of the state agencies, license names, and license requirement statutes.|\n|L-N|Number of Days in Advance the Change Must be Reported|Indicates the number of days in advance the change needs to be reported for an Advance Change Notice \\(ACN\\).|\n|U-Z|Fees|Provides the fees required for the selected license as well as any additional information needed.|\n\n**Parent topic:**Using the License Requirements and Fees Chart",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_licReqsFees_brancAmend.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_licReqsFees_brancAmend.md",
      "headings": [
        "Branch Amendment {#xd_51e7db9c22e4a844-5dcbced4-19803da84a1--7ffb .reference}",
        "Show Columns: {#section_sjh_23s_gtb .section}",
        "Hide Columns: {#section_fk5_22d_1gc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_licReqsFees_brancAmend.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_licReqsFees_brancAmend_2.md:chunk-0",
      "title": "Branch Amendment {#xd_51e7db9c22e4a844-5dcbced4-19803da84a1--7ffb .reference}",
      "content": "# Branch Amendment \n\nThis information is applicable to companies who have an existing branch license and wish to make changes to their MU3 filing.\n\n## Show Columns: \n\n-   A-C,\n-   L-N,\n-   U-Z\n\n## Hide Columns: \n\n-   D-K,\n-   O-T\n\n|Columns|Category of Information|Notes|\n|-------|-----------------------|-----|\n|A-C|License or Registration Information|A list of the state agencies, license names, and license requirement statutes.|\n|L-N|Number of Days in Advance the Change Must be Reported|Indicates the number of days in advance the change needs to be reported for an Advance Change Notice \\(ACN\\).|\n|U-Z|Fees|Provides the fees required for the selected license as well as any additional information needed.|\n\n**Parent topic:**Using the License Requirements and Fees Chart",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_licReqsFees_brancAmend_2.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_licReqsFees_brancAmend_2.md",
      "headings": [
        "Branch Amendment {#xd_51e7db9c22e4a844-5dcbced4-19803da84a1--7ffb .reference}",
        "Show Columns: {#section_sjh_23s_gtb .section}",
        "Hide Columns: {#section_fk5_22d_1gc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_licReqsFees_brancAmend_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_licReqsFees_brancAmend_3.md:chunk-0",
      "title": "Branch Amendment {#xd_51e7db9c22e4a844-5dcbced4-19803da84a1--7ffb .reference}",
      "content": "# Branch Amendment \n\nThis information is applicable to companies who have an existing branch license and wish to make changes to their MU3 filing.\n\n## Show Columns: \n\n-   A-C,\n-   L-N,\n-   U-Z\n\n## Hide Columns: \n\n-   D-K,\n-   O-T\n\n|Columns|Category of Information|Notes|\n|-------|-----------------------|-----|\n|A-C|License or Registration Information|A list of the state agencies, license names, and license requirement statutes.|\n|L-N|Number of Days in Advance the Change Must be Reported|Indicates the number of days in advance the change needs to be reported for an Advance Change Notice \\(ACN\\).|\n|U-Z|Fees|Provides the fees required for the selected license as well as any additional information needed.|\n\n**Parent topic:**Using the License Requirements and Fees Chart",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_licReqsFees_brancAmend_3.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_licReqsFees_brancAmend_3.md",
      "headings": [
        "Branch Amendment {#xd_51e7db9c22e4a844-5dcbced4-19803da84a1--7ffb .reference}",
        "Show Columns: {#section_sjh_23s_gtb .section}",
        "Hide Columns: {#section_fk5_22d_1gc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_licReqsFees_brancAmend_3.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_licReqsFees_brancAmend_4.md:chunk-0",
      "title": "Branch Amendment {#xd_51e7db9c22e4a844-5dcbced4-19803da84a1--7ffb .reference}",
      "content": "# Branch Amendment \n\nThis information is applicable to companies who have an existing branch license and wish to make changes to their MU3 filing.\n\n## Show Columns: \n\n-   A-C,\n-   L-N,\n-   U-Z\n\n## Hide Columns: \n\n-   D-K,\n-   O-T\n\n|Columns|Category of Information|Notes|\n|-------|-----------------------|-----|\n|A-C|License or Registration Information|A list of the state agencies, license names, and license requirement statutes.|\n|L-N|Number of Days in Advance the Change Must be Reported|Indicates the number of days in advance the change needs to be reported for an Advance Change Notice \\(ACN\\).|\n|U-Z|Fees|Provides the fees required for the selected license as well as any additional information needed.|\n\n**Parent topic:**Using the License Requirements and Fees Chart",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_licReqsFees_brancAmend_4.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_licReqsFees_brancAmend_4.md",
      "headings": [
        "Branch Amendment {#xd_51e7db9c22e4a844-5dcbced4-19803da84a1--7ffb .reference}",
        "Show Columns: {#section_sjh_23s_gtb .section}",
        "Hide Columns: {#section_fk5_22d_1gc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_licReqsFees_brancAmend_4.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_licReqsFees_brancAmend_5.md:chunk-0",
      "title": "Branch Amendment {#xd_51e7db9c22e4a844-5dcbced4-19803da84a1--7ffb .reference}",
      "content": "# Branch Amendment \n\nThis information is applicable to companies who have an existing branch license and wish to make changes to their MU3 filing.\n\n## Show Columns: \n\n-   A-C,\n-   L-N,\n-   U-Z\n\n## Hide Columns: \n\n-   D-K,\n-   O-T\n\n|Columns|Category of Information|Notes|\n|-------|-----------------------|-----|\n|A-C|License or Registration Information|A list of the state agencies, license names, and license requirement statutes.|\n|L-N|Number of Days in Advance the Change Must be Reported|Indicates the number of days in advance the change needs to be reported for an Advance Change Notice \\(ACN\\).|\n|U-Z|Fees|Provides the fees required for the selected license as well as any additional information needed.|\n\n**Parent topic:**Using the License Requirements and Fees Chart",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_licReqsFees_brancAmend_5.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_licReqsFees_brancAmend_5.md",
      "headings": [
        "Branch Amendment {#xd_51e7db9c22e4a844-5dcbced4-19803da84a1--7ffb .reference}",
        "Show Columns: {#section_sjh_23s_gtb .section}",
        "Hide Columns: {#section_fk5_22d_1gc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_licReqsFees_brancAmend_5.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_licReqsFees_branchNewApp.md:chunk-0",
      "title": "Branch New License Application {#xd_51e7db9c22e4a844-5dcbced4-19803da84a1--7ffc .reference}",
      "content": "# Branch New License Application \n\n## Show Columns: \n\n-   A-K,\n-   O-T\n\n## Hide Columns: \n\n-   L-N,\n-   U-Z\n\n|Columns|Category of Information|Notes|\n|-------|-----------------------|-----|\n|A-C|License or Registration Information|A list of the state agencies, license names, and license requirement statutes.|\n|D-G & K|Branch Manager Criminal Background Check \\(CBC\\) and Credit Report Requirements|Provides a Yes or No indicator for the Credit Report and conveys what action will require the Branch Manager to complete a CBC.|\n|H-J|NMLS Document Uploads|Indicates if the documents referenced in the column header must be uploaded in the Document Uploads section of the MU2. A Yes in these columns means the document listed must be uploaded during the new application process.|\n|O-T|Fees|Provides the fees required for the selected license as well as any additional information needed.|\n\n**Parent topic:**Using the License Requirements and Fees Chart",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_licReqsFees_branchNewApp.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_licReqsFees_branchNewApp.md",
      "headings": [
        "Branch New License Application {#xd_51e7db9c22e4a844-5dcbced4-19803da84a1--7ffc .reference}",
        "Show Columns: {#section_sjh_23s_gtb .section}",
        "Hide Columns: {#section_k1g_qcd_1gc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_licReqsFees_branchNewApp.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_licReqsFees_branchNewApp_2.md:chunk-0",
      "title": "Branch New License Application {#xd_51e7db9c22e4a844-5dcbced4-19803da84a1--7ffc .reference}",
      "content": "# Branch New License Application \n\n## Show Columns: \n\n-   A-K,\n-   O-T\n\n## Hide Columns: \n\n-   L-N,\n-   U-Z\n\n|Columns|Category of Information|Notes|\n|-------|-----------------------|-----|\n|A-C|License or Registration Information|A list of the state agencies, license names, and license requirement statutes.|\n|D-G & K|Branch Manager Criminal Background Check \\(CBC\\) and Credit Report Requirements|Provides a Yes or No indicator for the Credit Report and conveys what action will require the Branch Manager to complete a CBC.|\n|H-J|NMLS Document Uploads|Indicates if the documents referenced in the column header must be uploaded in the Document Uploads section of the MU2. A Yes in these columns means the document listed must be uploaded during the new application process.|\n|O-T|Fees|Provides the fees required for the selected license as well as any additional information needed.|\n\n**Parent topic:**Using the License Requirements and Fees Chart",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_licReqsFees_branchNewApp_2.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_licReqsFees_branchNewApp_2.md",
      "headings": [
        "Branch New License Application {#xd_51e7db9c22e4a844-5dcbced4-19803da84a1--7ffc .reference}",
        "Show Columns: {#section_sjh_23s_gtb .section}",
        "Hide Columns: {#section_k1g_qcd_1gc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_licReqsFees_branchNewApp_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_licReqsFees_branchNewApp_3.md:chunk-0",
      "title": "Branch New License Application {#xd_51e7db9c22e4a844-5dcbced4-19803da84a1--7ffc .reference}",
      "content": "# Branch New License Application \n\n## Show Columns: \n\n-   A-K,\n-   O-T\n\n## Hide Columns: \n\n-   L-N,\n-   U-Z\n\n|Columns|Category of Information|Notes|\n|-------|-----------------------|-----|\n|A-C|License or Registration Information|A list of the state agencies, license names, and license requirement statutes.|\n|D-G & K|Branch Manager Criminal Background Check \\(CBC\\) and Credit Report Requirements|Provides a Yes or No indicator for the Credit Report and conveys what action will require the Branch Manager to complete a CBC.|\n|H-J|NMLS Document Uploads|Indicates if the documents referenced in the column header must be uploaded in the Document Uploads section of the MU2. A Yes in these columns means the document listed must be uploaded during the new application process.|\n|O-T|Fees|Provides the fees required for the selected license as well as any additional information needed.|\n\n**Parent topic:**Using the License Requirements and Fees Chart",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_licReqsFees_branchNewApp_3.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_licReqsFees_branchNewApp_3.md",
      "headings": [
        "Branch New License Application {#xd_51e7db9c22e4a844-5dcbced4-19803da84a1--7ffc .reference}",
        "Show Columns: {#section_sjh_23s_gtb .section}",
        "Hide Columns: {#section_k1g_qcd_1gc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_licReqsFees_branchNewApp_3.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_licReqsFees_branchNewApp_4.md:chunk-0",
      "title": "Branch New License Application {#xd_51e7db9c22e4a844-5dcbced4-19803da84a1--7ffc .reference}",
      "content": "# Branch New License Application \n\n## Show Columns: \n\n-   A-K,\n-   O-T\n\n## Hide Columns: \n\n-   L-N,\n-   U-Z\n\n|Columns|Category of Information|Notes|\n|-------|-----------------------|-----|\n|A-C|License or Registration Information|A list of the state agencies, license names, and license requirement statutes.|\n|D-G & K|Branch Manager Criminal Background Check \\(CBC\\) and Credit Report Requirements|Provides a Yes or No indicator for the Credit Report and conveys what action will require the Branch Manager to complete a CBC.|\n|H-J|NMLS Document Uploads|Indicates if the documents referenced in the column header must be uploaded in the Document Uploads section of the MU2. A Yes in these columns means the document listed must be uploaded during the new application process.|\n|O-T|Fees|Provides the fees required for the selected license as well as any additional information needed.|\n\n**Parent topic:**Using the License Requirements and Fees Chart",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_licReqsFees_branchNewApp_4.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_licReqsFees_branchNewApp_4.md",
      "headings": [
        "Branch New License Application {#xd_51e7db9c22e4a844-5dcbced4-19803da84a1--7ffc .reference}",
        "Show Columns: {#section_sjh_23s_gtb .section}",
        "Hide Columns: {#section_k1g_qcd_1gc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_licReqsFees_branchNewApp_4.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_licReqsFees_branchNewApp_5.md:chunk-0",
      "title": "Branch New License Application {#xd_51e7db9c22e4a844-5dcbced4-19803da84a1--7ffc .reference}",
      "content": "# Branch New License Application \n\n## Show Columns: \n\n-   A-K,\n-   O-T\n\n## Hide Columns: \n\n-   L-N,\n-   U-Z\n\n|Columns|Category of Information|Notes|\n|-------|-----------------------|-----|\n|A-C|License or Registration Information|A list of the state agencies, license names, and license requirement statutes.|\n|D-G & K|Branch Manager Criminal Background Check \\(CBC\\) and Credit Report Requirements|Provides a Yes or No indicator for the Credit Report and conveys what action will require the Branch Manager to complete a CBC.|\n|H-J|NMLS Document Uploads|Indicates if the documents referenced in the column header must be uploaded in the Document Uploads section of the MU2. A Yes in these columns means the document listed must be uploaded during the new application process.|\n|O-T|Fees|Provides the fees required for the selected license as well as any additional information needed.|\n\n**Parent topic:**Using the License Requirements and Fees Chart",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_licReqsFees_branchNewApp_5.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_licReqsFees_branchNewApp_5.md",
      "headings": [
        "Branch New License Application {#xd_51e7db9c22e4a844-5dcbced4-19803da84a1--7ffc .reference}",
        "Show Columns: {#section_sjh_23s_gtb .section}",
        "Hide Columns: {#section_k1g_qcd_1gc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_licReqsFees_branchNewApp_5.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_licReqsFees_companyAmend.md:chunk-0",
      "title": "Company Amendment {#xd_8ec98ff868496916--4ef7ea60-197dfc1e23e--7ff7 .reference}",
      "content": "# Company Amendment \n\nThis information is applicable to companies who have an existing license and wish to make changes to the Legal Name or Status, Main Address, Other Trades Names or Owners and Control Persons.\n\n## Show Columns: \n\n-   A-C,\n-   S-Z,\n-   BB-BI\n\n## Hide Columns: \n\n-   D-R,\n-   AA-AY\n\n|Columns|Category of Information|Notes|\n|-------|-----------------------|-----|\n|A-C|License or Registration Information|A list of the state agencies, license names, and license requirement statutes.|\n|S-Z|Number of Days in Advance the Change Must be Reported|Indicates the number of days in advance the change needs to be reported for an Advance Change Notice \\(ACN\\).|\n|BB-BI|Fees|Provides the fees required for the selected license as well as any additional information needed.|\n\n**Parent topic:**Using the License Requirements and Fees Chart",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_licReqsFees_companyAmend.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_licReqsFees_companyAmend.md",
      "headings": [
        "Company Amendment {#xd_8ec98ff868496916--4ef7ea60-197dfc1e23e--7ff7 .reference}",
        "Show Columns: {#section_sjh_23s_gtb .section}",
        "Hide Columns: {#section_ly1_dpg_yfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_licReqsFees_companyAmend.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_licReqsFees_companyAmend_2.md:chunk-0",
      "title": "Company Amendment {#xd_8ec98ff868496916--4ef7ea60-197dfc1e23e--7ff7 .reference}",
      "content": "# Company Amendment \n\nThis information is applicable to companies who have an existing license and wish to make changes to the Legal Name or Status, Main Address, Other Trades Names or Owners and Control Persons.\n\n## Show Columns: \n\n-   A-C,\n-   S-Z,\n-   BB-BI\n\n## Hide Columns: \n\n-   D-R,\n-   AA-AY\n\n|Columns|Category of Information|Notes|\n|-------|-----------------------|-----|\n|A-C|License or Registration Information|A list of the state agencies, license names, and license requirement statutes.|\n|S-Z|Number of Days in Advance the Change Must be Reported|Indicates the number of days in advance the change needs to be reported for an Advance Change Notice \\(ACN\\).|\n|BB-BI|Fees|Provides the fees required for the selected license as well as any additional information needed.|\n\n**Parent topic:**Using the License Requirements and Fees Chart",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_licReqsFees_companyAmend_2.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_licReqsFees_companyAmend_2.md",
      "headings": [
        "Company Amendment {#xd_8ec98ff868496916--4ef7ea60-197dfc1e23e--7ff7 .reference}",
        "Show Columns: {#section_sjh_23s_gtb .section}",
        "Hide Columns: {#section_ly1_dpg_yfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_licReqsFees_companyAmend_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_licReqsFees_companyAmend_3.md:chunk-0",
      "title": "Company Amendment {#xd_8ec98ff868496916--4ef7ea60-197dfc1e23e--7ff7 .reference}",
      "content": "# Company Amendment \n\nThis information is applicable to companies who have an existing license and wish to make changes to the Legal Name or Status, Main Address, Other Trades Names or Owners and Control Persons.\n\n## Show Columns: \n\n-   A-C,\n-   S-Z,\n-   BB-BI\n\n## Hide Columns: \n\n-   D-R,\n-   AA-AY\n\n|Columns|Category of Information|Notes|\n|-------|-----------------------|-----|\n|A-C|License or Registration Information|A list of the state agencies, license names, and license requirement statutes.|\n|S-Z|Number of Days in Advance the Change Must be Reported|Indicates the number of days in advance the change needs to be reported for an Advance Change Notice \\(ACN\\).|\n|BB-BI|Fees|Provides the fees required for the selected license as well as any additional information needed.|\n\n**Parent topic:**Using the License Requirements and Fees Chart",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_licReqsFees_companyAmend_3.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_licReqsFees_companyAmend_3.md",
      "headings": [
        "Company Amendment {#xd_8ec98ff868496916--4ef7ea60-197dfc1e23e--7ff7 .reference}",
        "Show Columns: {#section_sjh_23s_gtb .section}",
        "Hide Columns: {#section_ly1_dpg_yfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_licReqsFees_companyAmend_3.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_licReqsFees_companyAmend_4.md:chunk-0",
      "title": "Company Amendment {#xd_8ec98ff868496916--4ef7ea60-197dfc1e23e--7ff7 .reference}",
      "content": "# Company Amendment \n\nThis information is applicable to companies who have an existing license and wish to make changes to the Legal Name or Status, Main Address, Other Trades Names or Owners and Control Persons.\n\n## Show Columns: \n\n-   A-C,\n-   S-Z,\n-   BB-BI\n\n## Hide Columns: \n\n-   D-R,\n-   AA-AY\n\n|Columns|Category of Information|Notes|\n|-------|-----------------------|-----|\n|A-C|License or Registration Information|A list of the state agencies, license names, and license requirement statutes.|\n|S-Z|Number of Days in Advance the Change Must be Reported|Indicates the number of days in advance the change needs to be reported for an Advance Change Notice \\(ACN\\).|\n|BB-BI|Fees|Provides the fees required for the selected license as well as any additional information needed.|\n\n**Parent topic:**Using the License Requirements and Fees Chart",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_licReqsFees_companyAmend_4.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_licReqsFees_companyAmend_4.md",
      "headings": [
        "Company Amendment {#xd_8ec98ff868496916--4ef7ea60-197dfc1e23e--7ff7 .reference}",
        "Show Columns: {#section_sjh_23s_gtb .section}",
        "Hide Columns: {#section_ly1_dpg_yfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_licReqsFees_companyAmend_4.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_licReqsFees_companyAmend_5.md:chunk-0",
      "title": "Company Amendment {#xd_8ec98ff868496916--4ef7ea60-197dfc1e23e--7ff7 .reference}",
      "content": "# Company Amendment \n\nThis information is applicable to companies who have an existing license and wish to make changes to the Legal Name or Status, Main Address, Other Trades Names or Owners and Control Persons.\n\n## Show Columns: \n\n-   A-C,\n-   S-Z,\n-   BB-BI\n\n## Hide Columns: \n\n-   D-R,\n-   AA-AY\n\n|Columns|Category of Information|Notes|\n|-------|-----------------------|-----|\n|A-C|License or Registration Information|A list of the state agencies, license names, and license requirement statutes.|\n|S-Z|Number of Days in Advance the Change Must be Reported|Indicates the number of days in advance the change needs to be reported for an Advance Change Notice \\(ACN\\).|\n|BB-BI|Fees|Provides the fees required for the selected license as well as any additional information needed.|\n\n**Parent topic:**Using the License Requirements and Fees Chart",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_licReqsFees_companyAmend_5.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_licReqsFees_companyAmend_5.md",
      "headings": [
        "Company Amendment {#xd_8ec98ff868496916--4ef7ea60-197dfc1e23e--7ff7 .reference}",
        "Show Columns: {#section_sjh_23s_gtb .section}",
        "Hide Columns: {#section_ly1_dpg_yfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_licReqsFees_companyAmend_5.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_licReqsFees_companyPeriodicReport.md:chunk-0",
      "title": "Company Periodic Reporting \\(MCR, MSBCR, or UAAR\\) {#xd_8ec98ff868496916--4ef7ea60-197dfc1e23e--7ff6 .reference}",
      "content": "# Company Periodic Reporting \\(MCR, MSBCR, or UAAR\\) \n\nThis information is applicable to companies who have an existing license and need to satisfy any periodic reporting requirements, including the Mortgage Call Reports \\(MCR\\), Money Service Business Call Reports \\(MSB\\), and Uniform Authorized Agent Reporting \\(UAAR\\).\n\n## Show Columns: \n\n-   A-C, AK \\(for UAAR\\),\n-   AL-AP \\(for MCR\\),\n-   AQ-AU \\(for MSBCR\\),\n\n## Hide Columns: \n\n-   D-AJ,\n-   AV-BI\n\n|Columns|Category of Information|Notes|\n|-------|-----------------------|-----|\n|A-C|License or Registration Information|A list of the state agencies, license names, and license requirement statutes.|\n|AK|Uniform Authorized Agent Reporting \\(UAAR\\)|Provides a Yes or No indicator for the UAAR requirement.|\n|AL-AP|Mortgage Call Report \\(MCR\\)|Provides the requirements related to completing the MCR including what sections of the MCR are required such as the State-Specific Supplemental Form \\(SSSF\\).|\n|AQ-AU|Money Services Business Call Report \\(MSBCR\\)|Provides the requirements related to completing the MSB Call Report.|\n\n**Parent topic:**Using the License Requirements and Fees Chart",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_licReqsFees_companyPeriodicReport.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_licReqsFees_companyPeriodicReport.md",
      "headings": [
        "Company Periodic Reporting \\(MCR, MSBCR, or UAAR\\) {#xd_8ec98ff868496916--4ef7ea60-197dfc1e23e--7ff6 .reference}",
        "Show Columns: {#section_sjh_23s_gtb .section}",
        "Hide Columns: {#section_jxm_gsg_yfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_licReqsFees_companyPeriodicReport.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_licReqsFees_companyPeriodicReport_2.md:chunk-0",
      "title": "Company Periodic Reporting \\(MCR, MSBCR, or UAAR\\) {#xd_8ec98ff868496916--4ef7ea60-197dfc1e23e--7ff6 .reference}",
      "content": "# Company Periodic Reporting \\(MCR, MSBCR, or UAAR\\) \n\nThis information is applicable to companies who have an existing license and need to satisfy any periodic reporting requirements, including the Mortgage Call Reports \\(MCR\\), Money Service Business Call Reports \\(MSB\\), and Uniform Authorized Agent Reporting \\(UAAR\\).\n\n## Show Columns: \n\n-   A-C, AK \\(for UAAR\\),\n-   AL-AP \\(for MCR\\),\n-   AQ-AU \\(for MSBCR\\),\n\n## Hide Columns: \n\n-   D-AJ,\n-   AV-BI\n\n|Columns|Category of Information|Notes|\n|-------|-----------------------|-----|\n|A-C|License or Registration Information|A list of the state agencies, license names, and license requirement statutes.|\n|AK|Uniform Authorized Agent Reporting \\(UAAR\\)|Provides a Yes or No indicator for the UAAR requirement.|\n|AL-AP|Mortgage Call Report \\(MCR\\)|Provides the requirements related to completing the MCR including what sections of the MCR are required such as the State-Specific Supplemental Form \\(SSSF\\).|\n|AQ-AU|Money Services Business Call Report \\(MSBCR\\)|Provides the requirements related to completing the MSB Call Report.|\n\n**Parent topic:**Using the License Requirements and Fees Chart",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_licReqsFees_companyPeriodicReport_2.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_licReqsFees_companyPeriodicReport_2.md",
      "headings": [
        "Company Periodic Reporting \\(MCR, MSBCR, or UAAR\\) {#xd_8ec98ff868496916--4ef7ea60-197dfc1e23e--7ff6 .reference}",
        "Show Columns: {#section_sjh_23s_gtb .section}",
        "Hide Columns: {#section_jxm_gsg_yfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_licReqsFees_companyPeriodicReport_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_licReqsFees_companyPeriodicReport_3.md:chunk-0",
      "title": "Company Periodic Reporting \\(MCR, MSBCR, or UAAR\\) {#xd_8ec98ff868496916--4ef7ea60-197dfc1e23e--7ff6 .reference}",
      "content": "# Company Periodic Reporting \\(MCR, MSBCR, or UAAR\\) \n\nThis information is applicable to companies who have an existing license and need to satisfy any periodic reporting requirements, including the Mortgage Call Reports \\(MCR\\), Money Service Business Call Reports \\(MSB\\), and Uniform Authorized Agent Reporting \\(UAAR\\).\n\n## Show Columns: \n\n-   A-C, AK \\(for UAAR\\),\n-   AL-AP \\(for MCR\\),\n-   AQ-AU \\(for MSBCR\\),\n\n## Hide Columns: \n\n-   D-AJ,\n-   AV-BI\n\n|Columns|Category of Information|Notes|\n|-------|-----------------------|-----|\n|A-C|License or Registration Information|A list of the state agencies, license names, and license requirement statutes.|\n|AK|Uniform Authorized Agent Reporting \\(UAAR\\)|Provides a Yes or No indicator for the UAAR requirement.|\n|AL-AP|Mortgage Call Report \\(MCR\\)|Provides the requirements related to completing the MCR including what sections of the MCR are required such as the State-Specific Supplemental Form \\(SSSF\\).|\n|AQ-AU|Money Services Business Call Report \\(MSBCR\\)|Provides the requirements related to completing the MSB Call Report.|\n\n**Parent topic:**Using the License Requirements and Fees Chart",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_licReqsFees_companyPeriodicReport_3.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_licReqsFees_companyPeriodicReport_3.md",
      "headings": [
        "Company Periodic Reporting \\(MCR, MSBCR, or UAAR\\) {#xd_8ec98ff868496916--4ef7ea60-197dfc1e23e--7ff6 .reference}",
        "Show Columns: {#section_sjh_23s_gtb .section}",
        "Hide Columns: {#section_jxm_gsg_yfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_licReqsFees_companyPeriodicReport_3.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_licReqsFees_companyPeriodicReport_4.md:chunk-0",
      "title": "Company Periodic Reporting \\(MCR, MSBCR, or UAAR\\) {#xd_8ec98ff868496916--4ef7ea60-197dfc1e23e--7ff6 .reference}",
      "content": "# Company Periodic Reporting \\(MCR, MSBCR, or UAAR\\) \n\nThis information is applicable to companies who have an existing license and need to satisfy any periodic reporting requirements, including the Mortgage Call Reports \\(MCR\\), Money Service Business Call Reports \\(MSB\\), and Uniform Authorized Agent Reporting \\(UAAR\\).\n\n## Show Columns: \n\n-   A-C, AK \\(for UAAR\\),\n-   AL-AP \\(for MCR\\),\n-   AQ-AU \\(for MSBCR\\),\n\n## Hide Columns: \n\n-   D-AJ,\n-   AV-BI\n\n|Columns|Category of Information|Notes|\n|-------|-----------------------|-----|\n|A-C|License or Registration Information|A list of the state agencies, license names, and license requirement statutes.|\n|AK|Uniform Authorized Agent Reporting \\(UAAR\\)|Provides a Yes or No indicator for the UAAR requirement.|\n|AL-AP|Mortgage Call Report \\(MCR\\)|Provides the requirements related to completing the MCR including what sections of the MCR are required such as the State-Specific Supplemental Form \\(SSSF\\).|\n|AQ-AU|Money Services Business Call Report \\(MSBCR\\)|Provides the requirements related to completing the MSB Call Report.|\n\n**Parent topic:**Using the License Requirements and Fees Chart",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_licReqsFees_companyPeriodicReport_4.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_licReqsFees_companyPeriodicReport_4.md",
      "headings": [
        "Company Periodic Reporting \\(MCR, MSBCR, or UAAR\\) {#xd_8ec98ff868496916--4ef7ea60-197dfc1e23e--7ff6 .reference}",
        "Show Columns: {#section_sjh_23s_gtb .section}",
        "Hide Columns: {#section_jxm_gsg_yfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_licReqsFees_companyPeriodicReport_4.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_licReqsFees_companyPeriodicReport_5.md:chunk-0",
      "title": "Company Periodic Reporting \\(MCR, MSBCR, or UAAR\\) {#xd_8ec98ff868496916--4ef7ea60-197dfc1e23e--7ff6 .reference}",
      "content": "# Company Periodic Reporting \\(MCR, MSBCR, or UAAR\\) \n\nThis information is applicable to companies who have an existing license and need to satisfy any periodic reporting requirements, including the Mortgage Call Reports \\(MCR\\), Money Service Business Call Reports \\(MSB\\), and Uniform Authorized Agent Reporting \\(UAAR\\).\n\n## Show Columns: \n\n-   A-C, AK \\(for UAAR\\),\n-   AL-AP \\(for MCR\\),\n-   AQ-AU \\(for MSBCR\\),\n\n## Hide Columns: \n\n-   D-AJ,\n-   AV-BI\n\n|Columns|Category of Information|Notes|\n|-------|-----------------------|-----|\n|A-C|License or Registration Information|A list of the state agencies, license names, and license requirement statutes.|\n|AK|Uniform Authorized Agent Reporting \\(UAAR\\)|Provides a Yes or No indicator for the UAAR requirement.|\n|AL-AP|Mortgage Call Report \\(MCR\\)|Provides the requirements related to completing the MCR including what sections of the MCR are required such as the State-Specific Supplemental Form \\(SSSF\\).|\n|AQ-AU|Money Services Business Call Report \\(MSBCR\\)|Provides the requirements related to completing the MSB Call Report.|\n\n**Parent topic:**Using the License Requirements and Fees Chart",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_licReqsFees_companyPeriodicReport_5.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_licReqsFees_companyPeriodicReport_5.md",
      "headings": [
        "Company Periodic Reporting \\(MCR, MSBCR, or UAAR\\) {#xd_8ec98ff868496916--4ef7ea60-197dfc1e23e--7ff6 .reference}",
        "Show Columns: {#section_sjh_23s_gtb .section}",
        "Hide Columns: {#section_jxm_gsg_yfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_licReqsFees_companyPeriodicReport_5.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_licReqsFees_individualAmend.md:chunk-0",
      "title": "Individual Amendment {#xd_51e7db9c22e4a844-5dcbced4-19803da84a1--7ff9 .reference}",
      "content": "# Individual Amendment \n\nThere is no information for individual amendments included in the License Requirements and Fees Chart. Review the relevant state-specific checklists using the State Licensing Checklist Compiler to ensure that you have all information and requirements.\n\n**Parent topic:**Using the License Requirements and Fees Chart",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_licReqsFees_individualAmend.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_licReqsFees_individualAmend.md",
      "headings": [
        "Individual Amendment {#xd_51e7db9c22e4a844-5dcbced4-19803da84a1--7ff9 .reference}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_licReqsFees_individualAmend.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_licReqsFees_individualAmend_2.md:chunk-0",
      "title": "Individual Amendment {#xd_51e7db9c22e4a844-5dcbced4-19803da84a1--7ff9 .reference}",
      "content": "# Individual Amendment \n\nThere is no information for individual amendments included in the License Requirements and Fees Chart. Review the relevant state-specific checklists using the State Licensing Checklist Compiler to ensure that you have all information and requirements.\n\n**Parent topic:**Using the License Requirements and Fees Chart",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_licReqsFees_individualAmend_2.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_licReqsFees_individualAmend_2.md",
      "headings": [
        "Individual Amendment {#xd_51e7db9c22e4a844-5dcbced4-19803da84a1--7ff9 .reference}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_licReqsFees_individualAmend_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_licReqsFees_individualAmend_3.md:chunk-0",
      "title": "Individual Amendment {#xd_51e7db9c22e4a844-5dcbced4-19803da84a1--7ff9 .reference}",
      "content": "# Individual Amendment \n\nThere is no information for individual amendments included in the License Requirements and Fees Chart. Review the relevant state-specific checklists using the State Licensing Checklist Compiler to ensure that you have all information and requirements.\n\n**Parent topic:**Using the License Requirements and Fees Chart",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_licReqsFees_individualAmend_3.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_licReqsFees_individualAmend_3.md",
      "headings": [
        "Individual Amendment {#xd_51e7db9c22e4a844-5dcbced4-19803da84a1--7ff9 .reference}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_licReqsFees_individualAmend_3.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_licReqsFees_individualAmend_4.md:chunk-0",
      "title": "Individual Amendment {#xd_51e7db9c22e4a844-5dcbced4-19803da84a1--7ff9 .reference}",
      "content": "# Individual Amendment \n\nThere is no information for individual amendments included in the License Requirements and Fees Chart. Review the relevant state-specific checklists using the State Licensing Checklist Compiler to ensure that you have all information and requirements.\n\n**Parent topic:**Using the License Requirements and Fees Chart",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_licReqsFees_individualAmend_4.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_licReqsFees_individualAmend_4.md",
      "headings": [
        "Individual Amendment {#xd_51e7db9c22e4a844-5dcbced4-19803da84a1--7ff9 .reference}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_licReqsFees_individualAmend_4.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_licReqsFees_individualAmend_5.md:chunk-0",
      "title": "Individual Amendment {#xd_51e7db9c22e4a844-5dcbced4-19803da84a1--7ff9 .reference}",
      "content": "# Individual Amendment \n\nThere is no information for individual amendments included in the License Requirements and Fees Chart. Review the relevant state-specific checklists using the State Licensing Checklist Compiler to ensure that you have all information and requirements.\n\n**Parent topic:**Using the License Requirements and Fees Chart",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_licReqsFees_individualAmend_5.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_licReqsFees_individualAmend_5.md",
      "headings": [
        "Individual Amendment {#xd_51e7db9c22e4a844-5dcbced4-19803da84a1--7ff9 .reference}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_licReqsFees_individualAmend_5.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_licReqsFees_individualhNewApp.md:chunk-0",
      "title": "Individual New License Application {#xd_51e7db9c22e4a844-5dcbced4-19803da84a1--7ffa .reference}",
      "content": "# Individual New License Application \n\n|Columns|Category of Information|Notes|\n|-------|-----------------------|-----|\n|A-D|License or Registration Information|A list of the state agencies, license names, license requirement statutes, the Temporary Authority to Operate eligibility.|\n|E-F|Criminal Background Check \\(CBC\\) and Credit Report Requirements|Indicates if a CBC and/or Credit Report is required at the time of new application.|\n|G-J|Education|Provides the Pre- Education \\(PE\\) Requirements, including if individuals have state specific PE required in addition to the 20 SAFE Act required hours.|\n|K-N|NMLS Document Uploads|Lists if the documents referenced in the column headers is required to be uploaded in the Document Uploads section of the MU4. A Yes indicator in these columns means the document listed must be uploaded during the new application process.|\n|O-V|Fees|Provides the fees required for the selected license as well as any additional information needed.|\n|W-X|Remote Work|Indicates if work remote is allowed and any associated requirements.|\n\n**Parent topic:**Using the License Requirements and Fees Chart",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_licReqsFees_individualhNewApp.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_licReqsFees_individualhNewApp.md",
      "headings": [
        "Individual New License Application {#xd_51e7db9c22e4a844-5dcbced4-19803da84a1--7ffa .reference}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_licReqsFees_individualhNewApp.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_licReqsFees_individualhNewApp_2.md:chunk-0",
      "title": "Individual New License Application {#xd_51e7db9c22e4a844-5dcbced4-19803da84a1--7ffa .reference}",
      "content": "# Individual New License Application \n\n|Columns|Category of Information|Notes|\n|-------|-----------------------|-----|\n|A-D|License or Registration Information|A list of the state agencies, license names, license requirement statutes, the Temporary Authority to Operate eligibility.|\n|E-F|Criminal Background Check \\(CBC\\) and Credit Report Requirements|Indicates if a CBC and/or Credit Report is required at the time of new application.|\n|G-J|Education|Provides the Pre- Education \\(PE\\) Requirements, including if individuals have state specific PE required in addition to the 20 SAFE Act required hours.|\n|K-N|NMLS Document Uploads|Lists if the documents referenced in the column headers is required to be uploaded in the Document Uploads section of the MU4. A Yes indicator in these columns means the document listed must be uploaded during the new application process.|\n|O-V|Fees|Provides the fees required for the selected license as well as any additional information needed.|\n|W-X|Remote Work|Indicates if work remote is allowed and any associated requirements.|\n\n**Parent topic:**Using the License Requirements and Fees Chart",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_licReqsFees_individualhNewApp_2.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_licReqsFees_individualhNewApp_2.md",
      "headings": [
        "Individual New License Application {#xd_51e7db9c22e4a844-5dcbced4-19803da84a1--7ffa .reference}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_licReqsFees_individualhNewApp_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_licReqsFees_individualhNewApp_3.md:chunk-0",
      "title": "Individual New License Application {#xd_51e7db9c22e4a844-5dcbced4-19803da84a1--7ffa .reference}",
      "content": "# Individual New License Application \n\n|Columns|Category of Information|Notes|\n|-------|-----------------------|-----|\n|A-D|License or Registration Information|A list of the state agencies, license names, license requirement statutes, the Temporary Authority to Operate eligibility.|\n|E-F|Criminal Background Check \\(CBC\\) and Credit Report Requirements|Indicates if a CBC and/or Credit Report is required at the time of new application.|\n|G-J|Education|Provides the Pre- Education \\(PE\\) Requirements, including if individuals have state specific PE required in addition to the 20 SAFE Act required hours.|\n|K-N|NMLS Document Uploads|Lists if the documents referenced in the column headers is required to be uploaded in the Document Uploads section of the MU4. A Yes indicator in these columns means the document listed must be uploaded during the new application process.|\n|O-V|Fees|Provides the fees required for the selected license as well as any additional information needed.|\n|W-X|Remote Work|Indicates if work remote is allowed and any associated requirements.|\n\n**Parent topic:**Using the License Requirements and Fees Chart",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_licReqsFees_individualhNewApp_3.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_licReqsFees_individualhNewApp_3.md",
      "headings": [
        "Individual New License Application {#xd_51e7db9c22e4a844-5dcbced4-19803da84a1--7ffa .reference}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_licReqsFees_individualhNewApp_3.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_licReqsFees_individualhNewApp_4.md:chunk-0",
      "title": "Individual New License Application {#xd_51e7db9c22e4a844-5dcbced4-19803da84a1--7ffa .reference}",
      "content": "# Individual New License Application \n\n|Columns|Category of Information|Notes|\n|-------|-----------------------|-----|\n|A-D|License or Registration Information|A list of the state agencies, license names, license requirement statutes, the Temporary Authority to Operate eligibility.|\n|E-F|Criminal Background Check \\(CBC\\) and Credit Report Requirements|Indicates if a CBC and/or Credit Report is required at the time of new application.|\n|G-J|Education|Provides the Pre- Education \\(PE\\) Requirements, including if individuals have state specific PE required in addition to the 20 SAFE Act required hours.|\n|K-N|NMLS Document Uploads|Lists if the documents referenced in the column headers is required to be uploaded in the Document Uploads section of the MU4. A Yes indicator in these columns means the document listed must be uploaded during the new application process.|\n|O-V|Fees|Provides the fees required for the selected license as well as any additional information needed.|\n|W-X|Remote Work|Indicates if work remote is allowed and any associated requirements.|\n\n**Parent topic:**Using the License Requirements and Fees Chart",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_licReqsFees_individualhNewApp_4.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_licReqsFees_individualhNewApp_4.md",
      "headings": [
        "Individual New License Application {#xd_51e7db9c22e4a844-5dcbced4-19803da84a1--7ffa .reference}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_licReqsFees_individualhNewApp_4.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_licReqsFees_individualhNewApp_5.md:chunk-0",
      "title": "Individual New License Application {#xd_51e7db9c22e4a844-5dcbced4-19803da84a1--7ffa .reference}",
      "content": "# Individual New License Application \n\n|Columns|Category of Information|Notes|\n|-------|-----------------------|-----|\n|A-D|License or Registration Information|A list of the state agencies, license names, license requirement statutes, the Temporary Authority to Operate eligibility.|\n|E-F|Criminal Background Check \\(CBC\\) and Credit Report Requirements|Indicates if a CBC and/or Credit Report is required at the time of new application.|\n|G-J|Education|Provides the Pre- Education \\(PE\\) Requirements, including if individuals have state specific PE required in addition to the 20 SAFE Act required hours.|\n|K-N|NMLS Document Uploads|Lists if the documents referenced in the column headers is required to be uploaded in the Document Uploads section of the MU4. A Yes indicator in these columns means the document listed must be uploaded during the new application process.|\n|O-V|Fees|Provides the fees required for the selected license as well as any additional information needed.|\n|W-X|Remote Work|Indicates if work remote is allowed and any associated requirements.|\n\n**Parent topic:**Using the License Requirements and Fees Chart",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_licReqsFees_individualhNewApp_5.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_licReqsFees_individualhNewApp_5.md",
      "headings": [
        "Individual New License Application {#xd_51e7db9c22e4a844-5dcbced4-19803da84a1--7ffa .reference}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_licReqsFees_individualhNewApp_5.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_operatingHours.md:chunk-0",
      "title": "Hours of Operation {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fc3 .concept}",
      "content": "# Hours of Operation \n\nCall center and system hours of availability.\n\n## Call Center \n\nThe NMLS Call Center is open 9:00 am to 9:00 pm \\(Eastern Time\\), Monday through Friday.\n\nToll Free Number 1-855-NMLS-123 \\(1-855-665-7123\\)\n\n## System \n\n|Full Availability|Start|End|\n|-----------------|-----|---|\n|Weekday \\(Monday - Friday\\)|7:00 am|11:00 pm|\n|Saturday \\(except third Saturday of each calendar month\\)|8:00 am|6:00 pm|\n\n|Limited Availability[^1]|Start|End|\n|------------------------|-----|---|\n|Weekday \\(Monday - Friday\\)|11:00 pm|1:45 am|\n|Saturday \\(except third Saturday of each calendar month\\)|6:00 pm|8:00 pm|\n|Third Saturday of each month|8:00 am|8:00 pm|\n|Sunday|8:00 am|8:00 pm|\n|Martin Luther King Jr. Birthday Presidents Day​ Memorial Day Juneteenth ​Independence Day Labor Day|8:00 am|8:00 pm|\n\n|No Availability|Start|End|\n|---------------|-----|---|\n|New Year's Day Thanksgiving Day Christmas Day|||\n\n**Parent topic:**NMLS Reference Guide: About NMLS\n\n[^1]: During periods of Limited Availability, the System will be operational but availability will not be guaranteed. The System may experience periods of planned or emergency maintenance, with the understanding that system users will be provided advanced notice where possible.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_operatingHours.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_operatingHours.md",
      "headings": [
        "Hours of Operation {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fc3 .concept}",
        "Call Center {#section_rq5_xgr_qfc .section}",
        "System {#section_sq5_xgr_qfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_operatingHours.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_pdfTips.md:chunk-0",
      "title": "PDF Tips {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fc2 .concept}",
      "content": "# PDF Tips \n\n​If your upload contains multiple files, they must be merged into one PDF file. The PDF file should not be password protected. Below is a listing of some of the more popular programs and online services for creating PDF files.\n\nThere are a number of programs available to help users create PDF documents. The cost and functionality of each varies and some are free. Some programs do not provide the ability to merge multiple documents into one PDF. Copy/print retailers \\(e.g. Fedex Office\\) will generally provide PDF services onsite for a minimal charge.\n\n-   Adobe Acrobat\n-   CutePDF Writer\n-   Nitro PDF Express\n-   NovaPDF\n-   PDF Online\n\nNOTE: The NMLS Call Center will not be able to provide tech support for any of these products or services.\n\n**Parent topic:**NMLS Reference Guide: About NMLS",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_pdfTips.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_pdfTips.md",
      "headings": [
        "PDF Tips {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fc2 .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_pdfTips.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_processingFees.md:chunk-0",
      "title": "NMLS Processing Fees {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7fe8 .concept}",
      "content": "# NMLS Processing Fees \n\nNMLS Processing Fees, including fees associated with testing, education credit banking, and criminal background and credit checks, are established and reviewed annually by the State Regulatory Registry LLC Board of Managers, which provides governance for NMLS. The Conference of State Bank Supervisors operates NMLS on behalf of participating state agencies.\n\nThe basic NMLS Processing Fees for company, branch, and mortgage loan originator licensing were initially established when NMLS launched in January 2008 and have not increased since that time, despite continual development to improve and expand system functionality.\n\nPayments submitted through NMLS can be made using Visa®, Mastercard®, or ACH \\(Automated Clearing House\\). Effective October 21, 2013, all credit card transactions will have a 2.5 percent service fee added to the charge. This fee will appear on a separate line on your credit card statement.​\n\nTransactions paid by ACH are not subject to any additional service fees. For more information on credit card and ACH payment methods, see NMLS Payment Options.​\n\nNMLS Processing Fees for state licensing and federal registration are listed below.​\n\n## NMLS Processing Fees for State Licensure \n\n1.  **Initial Setup Fee**− This fee is incurred each time a company \\(Form MU1\\), branch \\(Form MU3\\), or mortgage loan originator \\(Form MU4\\) uses the NMLS to apply for a new license in a participating state. The Initial Set-up Fee is a “per agency / per license” fee.\n2.  **Annual Processing Fee**− This fee is incurred each year during the annual renewal period when a company, branch, or mortgage loan originator \\(MLO\\) submits a renewal request in a participating state. This fee is a “per agency / per license” fee.\n3.  **MLO Change of Sponsorship Fee​**− This fee is incurred each time a company requests to sponsor a MLO's​ license. This fee is a “per agency / per license” fee.\n\n|Entity|Initial Set-up Fee\\*|Annual Processing Fee|MLO Change of Spon",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_processingFees.md",
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      "headings": [
        "NMLS Processing Fees {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7fe8 .concept}",
        "NMLS Processing Fees for State Licensure {#section_jkg_4dn_rfc .section}",
        "NMLS Processing Fees for Federal Registration {#section_cx2_dbn_rfc .section}",
        "Uniform Authorized Agent Reporting Processing Fee {#section_jn4_q2n_rfc .section}",
        "Additional Information on NMLS Processing Fees {#section_nx2_dbn_rfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_processingFees.html",
      "snippet": null
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    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_processingFees.md:chunk-1",
      "title": "NMLS Processing Fees {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7fe8 .concept}",
      "content": "​**− This fee is incurred each time a company requests to sponsor a MLO's​ license. This fee is a “per agency / per license” fee.\n\n|Entity|Initial Set-up Fee\\*|Annual Processing Fee|MLO Change of Sponsorship Fee|\n|------|--------------------|---------------------|-----------------------------|\n|Company \\(Form MU1 Filing\\)|$120|$120|$35|\n|Branch \\(Form MU3 Filing\\)|$25|$25|n/a|\n|Individual \\(Form MU4 Filing\\)|$35|$35|n/a|\n\n## NMLS Processing Fees for Federal Registration \n\n1.  **Initial Setup Fee**− This fee is incurred when an institution \\(Form MU1R\\) or MLO \\(Form MU4R\\) initial registration is made in NMLS.\n2.  **Annual Processing Fee**− This fee is incurred each year during the annual renewal period.\n3.  **MLO Change of Employment Fee**− This fee is incurred each time an institution requests to have a registered MLO associated with their institution.\n4.  **Two-Factor Subscription Fee**− In order to satisfy federal requirements for online government services, NMLS uses a two-factor authentication system \\(Verisign security token\\) for all institution users who have access to more than one MLO’s personal identifying information. The annual subscription fee is charged to each institution user to cover the cost of this service. It is a \"per user / per year\" fee.\n\n\n\nEntity\n\n\n\nInitial Set-up Fee\n\n\n\nAnnual Processing Fee\n\n\n\nMLO Change of Employment Fee\n\n\n\nTwo-Factor Subscription Fee\n\n\n\nInstitution\\(Form MU1R Filing\\)\n\n\n\n$120\n\n\n\n$120\n\n\n\nn/a\n\n\n\n$55 / user\n\n\n\nIndividual \\(Form MU4R Filing\\)\n\n\n\n$35 if registration occurs between January and June.\n\n $65 if registration occurs between July and December.\n\n\n\n$35 if registration occurs between January and June.\n\n \\($0 if registration occurs between July and December of same year.\\)\n\n\n\n$35\n\n\n\nn/a\n\n\n## Merger and Acquisition Fees for Registration \n\nThere are two fees for processing mergers and acquisitions in NMLS.\n\n\n\nItem\n\n\n\nFee\n\n\n\nM&A Batch Upload base processing fee:\n\n\n\n$750 Standard fee paid by acquiring institution \\(MU1R\\) ",
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      "headings": [
        "NMLS Processing Fees {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7fe8 .concept}",
        "NMLS Processing Fees for State Licensure {#section_jkg_4dn_rfc .section}",
        "NMLS Processing Fees for Federal Registration {#section_cx2_dbn_rfc .section}",
        "Uniform Authorized Agent Reporting Processing Fee {#section_jn4_q2n_rfc .section}",
        "Additional Information on NMLS Processing Fees {#section_nx2_dbn_rfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_processingFees.html",
      "snippet": null
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    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_processingFees.md:chunk-2",
      "title": "NMLS Processing Fees {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7fe8 .concept}",
      "content": " Registration \n\nThere are two fees for processing mergers and acquisitions in NMLS.\n\n\n\nItem\n\n\n\nFee\n\n\n\nM&A Batch Upload base processing fee:\n\n\n\n$750 Standard fee paid by acquiring institution \\(MU1R\\) at initiation of MLO transfer\n\n\n\nMLO transfer fee for each record successfully processed:\n\n\n\n$10 per MLOFee for each MLO to be transferred from acquired institution, paid by acquiring institution\n\n\n## Professional Standards Fees \n\n\n\nItem\n\n\n\nFee\n\n\n\nCriminal Background Check\n\n\n\nLivescan - $36.25 or Print Card Capture - $36.25, plus Card Packet Fee - $10\n\nCharged at each new application for licensing or new request for registration. Single charge regardless of how many licenses are applied for in a single filing.\n\n\n\nTesting\n\n\n\n​National Component - $110\n\n\n\nCredit Report\n\n\n\n$15 Charged at each new application for licensure if NMLS does not contain a credit report that is less than 30 days old. Single charge regardless of how many licenses are applied for in a single filing.\n\n\n## Education Provider Fees \n\nThe following fees are charged to organizations who apply for and maintain designation as an “NMLS Approved Educational Provider.”\n\n|Item|Fee|\n|----|---|\n|Provider Application Fee|$400|\n|Provider Renewal Fee|$400|\n|Course Approval Fee|$300 plus $20 per credit hour|\n|Course Renewal Fee|$200 plus $20 per credit hour|\n|Credit Banking Fee|$1.50 per credit hour banked|\n\nFor details see Course Providers.\n\n## Uniform Authorized Agent Reporting Processing Fee \n\n-   **Per Active Agent Fee**: Twenty-five cents \\($0.25\\) per active agent assessed on an annual basis during the license renewal period \\(November 1st\\).\n-   Active agent number based on the number of agents in the system on August 16th of each year \\(day after the second quarter UAAR update deadline\\).\n-   No licensee will pay an annual processing fee on the first 100 active agents. If a licensee has 100 agents or less, they pay no fee.\n-   Annual processing fee capped at $25,000 per licensee per year.\n\n## Additional Infor",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_processingFees.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_processingFees.md",
      "headings": [
        "NMLS Processing Fees {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7fe8 .concept}",
        "NMLS Processing Fees for State Licensure {#section_jkg_4dn_rfc .section}",
        "NMLS Processing Fees for Federal Registration {#section_cx2_dbn_rfc .section}",
        "Uniform Authorized Agent Reporting Processing Fee {#section_jn4_q2n_rfc .section}",
        "Additional Information on NMLS Processing Fees {#section_nx2_dbn_rfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_processingFees.html",
      "snippet": null
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    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_processingFees.md:chunk-3",
      "title": "NMLS Processing Fees {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7fe8 .concept}",
      "content": " an annual processing fee on the first 100 active agents. If a licensee has 100 agents or less, they pay no fee.\n-   Annual processing fee capped at $25,000 per licensee per year.\n\n## Additional Information on NMLS Processing Fees \n\nHow are NMLS Processing Fees structured?\n:   NMLS Processing Fees have been generally structured on a “per license, per state” basis, such that companies or individuals holding more licenses pay more in fees than those that hold fewer licenses. Additionally, mortgage loan originator NMLS Processing Fees are generally structured on an activity basis such that MLOs who move between employers or change licenses pay more in fees than those that do not move between employers or changes licenses.\n\nWhat are the NMLS Processing Fees used for?\n:   The NMLS Processing Fees are used to pay for the operations and development of NMLS. The operations of NMLS include maintaining and developing all system functionality, providing for system availability, retaining all records and ensuring system data security, operating the NMLS Call Center, and updating and developing the NMLS Resource Center. Additionally, many of the capabilities available through NMLS are mandated under the federal SAFE Mortgage Licensing Act of 2008 such as the testing and education enrollment and the ability to obtain criminal background checks and credit reports.\n\n    Since its launch on January 2, 2008, NMLS has added a significant amount of functionality designed to enhance NMLS’ effectiveness as a supervisory tool for state agencies as well as streamline the compliance process for licensees. This functionality has included the electronic uploading of financial statements and other documents, the unified criminal background check and credit check process, electronic credit banking of education requirements, the SAFE MLO Test with Uniform State Content, and the Streamlined License Renewal process. Additionally, NMLS Consumer Access, a fully searchable website that allows the pub",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_processingFees.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_processingFees.md",
      "headings": [
        "NMLS Processing Fees {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7fe8 .concept}",
        "NMLS Processing Fees for State Licensure {#section_jkg_4dn_rfc .section}",
        "NMLS Processing Fees for Federal Registration {#section_cx2_dbn_rfc .section}",
        "Uniform Authorized Agent Reporting Processing Fee {#section_jn4_q2n_rfc .section}",
        "Additional Information on NMLS Processing Fees {#section_nx2_dbn_rfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_processingFees.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_processingFees.md:chunk-4",
      "title": "NMLS Processing Fees {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7fe8 .concept}",
      "content": "of education requirements, the SAFE MLO Test with Uniform State Content, and the Streamlined License Renewal process. Additionally, NMLS Consumer Access, a fully searchable website that allows the public to verify the credentials of mortgage professionals, is provided free of charge.\n\n    NMLS is continually being enhanced to improve its effectiveness as a supervisory tool as well as to provide licensees with a uniform compliance process.\n\n-   **NMLS Payment Options**  \nPayments submitted through NMLS can be made using Visa®, Mastercard®, or ACH \\(Automated Clearing House\\).\n\n**Parent topic:**NMLS Reference Guide: About NMLS",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_processingFees.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_processingFees.md",
      "headings": [
        "NMLS Processing Fees {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7fe8 .concept}",
        "NMLS Processing Fees for State Licensure {#section_jkg_4dn_rfc .section}",
        "NMLS Processing Fees for Federal Registration {#section_cx2_dbn_rfc .section}",
        "Uniform Authorized Agent Reporting Processing Fee {#section_jn4_q2n_rfc .section}",
        "Additional Information on NMLS Processing Fees {#section_nx2_dbn_rfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_processingFees.html",
      "snippet": null
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    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_publicCommentPolicy.md:chunk-0",
      "title": "NMLS Public Comment Policy {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7ffc .concept}",
      "content": "# NMLS Public Comment Policy \n\nPublic Comment Policy Final 10/18/2023\n\n## Objective \n\nThe Objective of this Policy is to set forth those updates or proposals \\(“proposals”\\) to NMLS[^1] that require a public comment period to assure the public has adequate notice, has the ability to submit timely and meaningful comment on the proposals that may significantly impact users of NMLS and to set forth time periods for public comment.\n\n## Background \n\nPublic involvement in the proposals process is the best way to develop and manage NMLS and it encourages licensee understanding and participation in NMLS activities.\n\n## Policy \n\nNMLS provides notice and a public comment period[^2] for proposals,as determined by the NMLS Policy Committee, that may significantly impact its users. NMLS updates that warrant a public comment period include, but are not limited to:\n\n-   Major NMLS functionality enhancements and for which the NMLS Policy Committee believes feedback will enhance functionality\n-   Call Report updates\n-   Uniform Form changes\n-   Fee changes\n-   Wide Scope System Issues as defined in the System Policy Creation Policy\n\nThis Policy does not apply to any proposals that are strictly limited to the internal operations of SRR.\n\nThe requirements for public comment outlined above do not apply as a general rule to sensitive supervisory information, including Confidential Supervisory Information \\(CSI\\)[^3], and the treatment thereof. CSBS staff will determine on a case-by-case basis whether supervision-related proposals need to go out for public comment. The appropriate SRR governance group\\(s\\)[^4] shall be consulted before CSBS recommends a public comment period to the NMLS Policy Committee.\n\n## Comment Period \n\nGenerally, a public comment period shall not be less than 60 days. The Policy Coordinator, at their discretion, may extend the period for public comment for a period of up to 90 days, unless further extended by the CSBS Senior Vice President, Business Services, when ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_publicCommentPolicy.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_publicCommentPolicy.md",
      "headings": [
        "NMLS Public Comment Policy {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7ffc .concept}",
        "Objective {#section_ash_s42_rfc .section}",
        "Background {#section_vbd_rs2_rfc .section}",
        "Policy {#section_wdn_gw2_rfc .section}",
        "Comment Period {#section_czx_4w2_rfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_publicCommentPolicy.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_publicCommentPolicy.md:chunk-1",
      "title": "NMLS Public Comment Policy {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7ffc .concept}",
      "content": "The Policy Coordinator, at their discretion, may extend the period for public comment for a period of up to 90 days, unless further extended by the CSBS Senior Vice President, Business Services, when good cause is demonstrated. Considerations for extensions shall include, but are not limited to, the content and complexity of the proposal and/or intervening circumstances during the comment period.\n\nIn limited circumstances, there may be good cause for the comment period to be less than 60 days so that CSBS can respond appropriately to a time sensitive matter. Under no circumstance shall the period of public comment be less than 21 days. The Policy Coordinator must request such an exception in writing to the CSBS Office of General Counsel justifying the reason for requesting that the comment period be less than 60 days. Upon exception approval of the CSBS Office of the General Counsel, the Policy Coordinator shall request such exception in writing to the Policy Committee. The Office of the General Counsel and the Committee may agree to grant such an exception when good cause is demonstrated for reducing the public comment period and must do so in writing.\n\nPolicies or requirements established as a result of a shortened time period shall have the same force and effect of a Policy or requirement established under the standard time periods.\n\nRoles, responsibilities and procedures as outlined in the Public Comment Process document must be followed for the public comment period to assure the public has effective notice and the ability to submit timely and meaningful comment on proposed updates.\n\n-   **Public Comment Policy: Process Document**  \nPublic Comment Policy Final 10/18/2023.\n\n**Parent topic:**NMLS System Policies and Terms of Use\n\n[^1]: NMLS refers to broadly to all aspects of NMLS licensing, registration, supervision, complaint processing, and information sharing System, including butnot limited to, NMLS, NMLS Modernization efforts, and the State Examination Syst",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_publicCommentPolicy.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_publicCommentPolicy.md",
      "headings": [
        "NMLS Public Comment Policy {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7ffc .concept}",
        "Objective {#section_ash_s42_rfc .section}",
        "Background {#section_vbd_rs2_rfc .section}",
        "Policy {#section_wdn_gw2_rfc .section}",
        "Comment Period {#section_czx_4w2_rfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_publicCommentPolicy.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_publicCommentPolicy.md:chunk-2",
      "title": "NMLS Public Comment Policy {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7ffc .concept}",
      "content": "spects of NMLS licensing, registration, supervision, complaint processing, and information sharing System, including butnot limited to, NMLS, NMLS Modernization efforts, and the State Examination System \\(SES\\). NMLS is under the purview of the SRR LLC \\(and its Board of Managers and Governance Groups\\).\n[^2]: Public comment typically follows regulator comment, though it is not required. The length of the comment period is approved by the NMLS Policy Committee. In instances where, in the NMLS Policy Committee’s sole discretion, an issue does not warrant a formal regulator comment period, the NMLS Policy Committee may direct CSBS Staff to request regulator feedback.\n[^3]: CSI is defined as “information related to Supervisory Activity the disclosure of which would violate confidentiality\n[^4]: This includes, but it’s not limited to, established agency advisory groups.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_publicCommentPolicy.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_publicCommentPolicy.md",
      "headings": [
        "NMLS Public Comment Policy {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7ffc .concept}",
        "Objective {#section_ash_s42_rfc .section}",
        "Background {#section_vbd_rs2_rfc .section}",
        "Policy {#section_wdn_gw2_rfc .section}",
        "Comment Period {#section_czx_4w2_rfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_publicCommentPolicy.html",
      "snippet": null
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    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_publicCommentPolicy_process.md:chunk-0",
      "title": "Public Comment Policy: Process Document {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7ffb .concept}",
      "content": "# Public Comment Policy: Process Document \n\nPublic Comment Policy Final 10/18/2023.\n\n## I. Stakeholder Roles and Responsibilities \n\nA. Policy Coordinator.\n:   The Policy Coordinator is the CSBS staff person from Business Services who is generally responsible for the subject area addressed in a proposal. The Policy Coordinator is responsible for preparing notices and assuring that proposals for public comment are posted in a timely manner. The Policy Coordinator is responsible for laws, regulations, policies and any information sharing agreements applicable to financial services supervision \\(e.g. documents produced by a company or regulator related to an examination \\(including findings and reports\\), enforcement data, supervisory information shared with other agencies\\). Handling of and access to Confidential Supervisory Information by CSBS employees and contractors is covered under the appropriate CSBS operating policies and procedures.” coordinating the process of analyzing and recommending a disposition on all comments received during the comment period.If there is an assigned SRR Governance Group\\(s\\) that is responsible for the subject matter of the proposal the Policy Coordinator will work with the group through this process.The Policy Coordinator will be responsible for ensuring all comments are posted on the NMLS Resource Center as soon as feasible, but no later than 21 days after the end of the comment period and for coordinating the final response to comments which will also be posted on the NMLS Resource Center.\n\nB. SRR Governance Group.\n:   An SRR Governance Group[^4], which generally consists of state regulators and may include industry representatives when appointed by the NMLS Policy Committee, is responsible for the subject matter of the update, proposal, or item issued for comment. With the facilitation of the Policy Coordinator and the staff liaison assigned to the SRR Governance Group, the SRR Governance Group will analyze the comments, involve o",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_publicCommentPolicy_process.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_publicCommentPolicy_process.md",
      "headings": [
        "Public Comment Policy: Process Document {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7ffb .concept}",
        "I. Stakeholder Roles and Responsibilities {#section_bn4_4z2_rfc .section}",
        "II. Notice to the Public {#section_cn4_4z2_rfc .section}",
        "Collecting and Receiving Public Comments {#section_yd5_qz2_rfc .section}",
        "Consideration of Comments {#section_h3n_5z2_rfc .section}",
        "Adoption of a Requirement or Policy of General Applicability {#section_y3x_vz2_rfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_publicCommentPolicy_process.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_publicCommentPolicy_process.md:chunk-1",
      "title": "Public Comment Policy: Process Document {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7ffb .concept}",
      "content": "l, or item issued for comment. With the facilitation of the Policy Coordinator and the staff liaison assigned to the SRR Governance Group, the SRR Governance Group will analyze the comments, involve other interested parties as necessary, and make recommendations to the NMLS Policy Committee based on the original proposal with any modifications deemed appropriate from the content of the comments.\n\nC. NMLS Policy Committee\n:   The NMLS Policy Committee[^1], as appointed by the SRR Board of Managers, shall review all comments received and shall make a disposition as to each comment. If appropriate, the Committee shall present their determination to the SRR Board of Managers for their approval prior to adopting the updates. The appropriate SRR governance group\\(s\\) shall be consulted before CSBS recommends a public comment period to the NMLS Policy Committee.\n\nD. Senior Vice President of Business Services \\( “SVP- Business Services”\\).\n:   The CSBS SVP-Business Services must assign a Policy Coordinator, who shall manage the review of the recommendations before they are sent to the NMLS Policy Committee.\n\nCSBS General Counsel.\n:   If requested, The Office of the General Counsel shall provide counsel to the Policy Coordinator, the SVP- Business Services, the Committee or any CSBS staff member regarding the proposals, posting of the document for effective notice and comment, review and disposition of any comment received, or any interpretation of the Public Comment Policy. The General Counsel may also request review of a proposed update by the SRR Lawyers Committee[^2]\n\n## II. Notice to the Public \n\nIn order to ensure that members of the public are apprised of SRR’s publication of proposed updates and solicitation for comments on the proposed updates, CSBS staff shall:\n\n-   \\(1\\) Publish the proposal on the NMLS Resource Center \\(including publishing a News Item[^3]\\) soliciting comments by a certain date;\n-   \\(2\\) Transmit the notice to SRR stakeholders, including but no",
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      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_publicCommentPolicy_process.md",
      "headings": [
        "Public Comment Policy: Process Document {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7ffb .concept}",
        "I. Stakeholder Roles and Responsibilities {#section_bn4_4z2_rfc .section}",
        "II. Notice to the Public {#section_cn4_4z2_rfc .section}",
        "Collecting and Receiving Public Comments {#section_yd5_qz2_rfc .section}",
        "Consideration of Comments {#section_h3n_5z2_rfc .section}",
        "Adoption of a Requirement or Policy of General Applicability {#section_y3x_vz2_rfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_publicCommentPolicy_process.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_publicCommentPolicy_process.md:chunk-2",
      "title": "Public Comment Policy: Process Document {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7ffb .concept}",
      "content": "1\\) Publish the proposal on the NMLS Resource Center \\(including publishing a News Item[^3]\\) soliciting comments by a certain date;\n-   \\(2\\) Transmit the notice to SRR stakeholders, including but not limited to, regulators participating in the System, system account administrators, and relevant SRR Governance Groups[^4] \\(e.g., SRR Lawyers Committee, Industry Development Working Group\\); and\n-   \\(3\\) Issue a press release noting the Request for Public Comment The press release will discuss the issue and provide relevant information regarding the comment period deadline and how to submit a comment.\n\nThe Policy Coordinator shall prepare notice of the proposal and the solicitation for comments and cause it to be published by the means identified above. “Said notice shall state the time period for accepting comments as established by the Public Comment Policy.”\n\nAdditionally, advance notice of the publication of a Request for Comment will be published on the NMLS Resource Center and if possible, shall be announced at any appropriate meetings \\(e.g., Ombudsman meeting\\), as soon as a determination has been made that such a request will be developed.\n\nOnce a Request for Public Comment has been issued, an opportunity for the presentation of and open discussion on the proposal will be provided via a NMLS Town Hall. Where feasible, the date and time for the open discussion shall be included in the Request for Public Comment.\n\n## Collecting and Receiving Public Comments \n\nAll final comments must be received in writing.\n\nFor all proposals, SRR shall accept comments by email comments@csbs.org or in hard copy to:\n\nState Regulatory Registry   \n Conference of State Bank Supervisors   \n Janine Bjorn, Senior Director NMLS Business Services   \n 1300 I Street, NW, Suite 700 East  \n Washington, DC 20005\n\nSRR shall encourage members of the public to provide comments by via email to comments@csbs.org or through an established centralized comment submission program. Comments must conta",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_publicCommentPolicy_process.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_publicCommentPolicy_process.md",
      "headings": [
        "Public Comment Policy: Process Document {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7ffb .concept}",
        "I. Stakeholder Roles and Responsibilities {#section_bn4_4z2_rfc .section}",
        "II. Notice to the Public {#section_cn4_4z2_rfc .section}",
        "Collecting and Receiving Public Comments {#section_yd5_qz2_rfc .section}",
        "Consideration of Comments {#section_h3n_5z2_rfc .section}",
        "Adoption of a Requirement or Policy of General Applicability {#section_y3x_vz2_rfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_publicCommentPolicy_process.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_publicCommentPolicy_process.md:chunk-3",
      "title": "Public Comment Policy: Process Document {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7ffb .concept}",
      "content": "hington, DC 20005\n\nSRR shall encourage members of the public to provide comments by via email to comments@csbs.org or through an established centralized comment submission program. Comments must contain the Company name, if any, name of the submitter, email address and mailing address of the submitter. Comments submitted without contact information will not be considered. Comments must be limited to the issue that is the subject of the request for comment.\n\nAfter the public comment period is complete CSBS Staff will compile all comments and make them available to the public on the NMLS Resource Center.Each companyor agency shall submit one response that represents its comments, feedback and vies on the proposal.\n\n## Consideration of Comments \n\nThe applicable SRR Govervance Group\\(s\\)[^4] and/or any designated subject mater experts on the topic, must timely read and consider each comment submitted during the comment period and recommend a disposition for all comments. In the final consideration of the update, the SRR Governance Group\\(s\\) and/or any designated subject matter experts on the topic, must provide a written summary of all comments received, indicating which of those comments should be accepted, rejected, or tabled for future consideration.\n\nThe written response summary of all comments received, as described above, must be completed within a reasonable time period after the end of the stated open comment period and may be reviewed by other Governance Groups when additional input is desired before a final recommendation is prepared for the NMLS Policy Committee. The length of time to complete the summary report and recommendation will vary depending upon the complexity of the subject matter as additional input is reviewed and analyzed. The Policy Coordinator is responsible for keeping the Committee informed of specific timelines.\n\nIf after releasing the written response summary and recommendations to the public, CSBS deems it necessary to provide an additio",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_publicCommentPolicy_process.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_publicCommentPolicy_process.md",
      "headings": [
        "Public Comment Policy: Process Document {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7ffb .concept}",
        "I. Stakeholder Roles and Responsibilities {#section_bn4_4z2_rfc .section}",
        "II. Notice to the Public {#section_cn4_4z2_rfc .section}",
        "Collecting and Receiving Public Comments {#section_yd5_qz2_rfc .section}",
        "Consideration of Comments {#section_h3n_5z2_rfc .section}",
        "Adoption of a Requirement or Policy of General Applicability {#section_y3x_vz2_rfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_publicCommentPolicy_process.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_publicCommentPolicy_process.md:chunk-4",
      "title": "Public Comment Policy: Process Document {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7ffb .concept}",
      "content": " responsible for keeping the Committee informed of specific timelines.\n\nIf after releasing the written response summary and recommendations to the public, CSBS deems it necessary to provide an additional public comment period, the Policy Coordinator will seek approval from the Committee for such additional comment period. Any additional comment period must follow the same procedures set out in this Policy.\n\n## Adoption of a Requirement or Policy of General Applicability \n\nProposals as determined by the Committee as requiring public comment shall be adopted only if:\n\n-   a. the Proposal has been posted for public comment in accordance with the Public Comment Policy;\n-   b. all comments submitted in response to the proposal have been reviewed, assessed and considered by the relevant SRR Governance Group\\(s\\)[^4] and/or any designated subject matter experts on the topic who shall make a final recommendation that is presented to, and approved by the Policy Committee and, where appropriate, the SRR Board of Managers.\n\nAll finalized policies must be, at a minimum, posted on the NMLS Resource Center and communicated to targeted groups as deemed appropriate.\n\n.\n\n**Parent topic:**NMLS Public Comment Policy\n\n[^1]: To assist it in making decisions and handling operational matters, the SRR Board of Managers created the NMLS Policy Committee \\(the “ Committee”\\) which is comprised of 11 state regulators. The NMLS Policy Committee provides SRR a mechanism to make policy decisions for NMLS with regards to its impact on meeting state licensing regulations. Decisions are made after considering input from NMLS Participating State Agencies, licensees and industry. The roster of the NMLSPC can be found here NMLS Policy Committee​. All Committee members are nominated by state regulators and appointed by the SRR Board of Managers.\n[^2]: The SRR Lawyers Committee is comprised of attorneys from state regulatory agencies. The Committee analyzes legal issues related to NMLS operations with t",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_publicCommentPolicy_process.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_publicCommentPolicy_process.md",
      "headings": [
        "Public Comment Policy: Process Document {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7ffb .concept}",
        "I. Stakeholder Roles and Responsibilities {#section_bn4_4z2_rfc .section}",
        "II. Notice to the Public {#section_cn4_4z2_rfc .section}",
        "Collecting and Receiving Public Comments {#section_yd5_qz2_rfc .section}",
        "Consideration of Comments {#section_h3n_5z2_rfc .section}",
        "Adoption of a Requirement or Policy of General Applicability {#section_y3x_vz2_rfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_publicCommentPolicy_process.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_publicCommentPolicy_process.md:chunk-5",
      "title": "Public Comment Policy: Process Document {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7ffb .concept}",
      "content": " appointed by the SRR Board of Managers.\n[^2]: The SRR Lawyers Committee is comprised of attorneys from state regulatory agencies. The Committee analyzes legal issues related to NMLS operations with the intent of helping SRR spot potential legal issues from a state agency perspective. The Committee does not provide SRR with legal advice. All members are nominated by state agencies and appointed by the SRR Board of Managers.\n[^3]: SRR staff recommends that interested stakeholders subscribe to the SRR Feed for the NMLS News Items in order to be notified when a new posting is made. Information on how to subscribe can be found on the NMLS Resource Center.\n[^4]: May refer to Committee, Subcommittee, Working Group, Task Force, Advisory Group",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_publicCommentPolicy_process.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_publicCommentPolicy_process.md",
      "headings": [
        "Public Comment Policy: Process Document {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7ffb .concept}",
        "I. Stakeholder Roles and Responsibilities {#section_bn4_4z2_rfc .section}",
        "II. Notice to the Public {#section_cn4_4z2_rfc .section}",
        "Collecting and Receiving Public Comments {#section_yd5_qz2_rfc .section}",
        "Consideration of Comments {#section_h3n_5z2_rfc .section}",
        "Adoption of a Requirement or Policy of General Applicability {#section_y3x_vz2_rfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_publicCommentPolicy_process.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_systemPolicies.md:chunk-0",
      "title": "NMLS System Policies and Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fca .concept}",
      "content": "# NMLS System Policies and Terms of Use \n\n-   **Industry Terms of Use**  \nNMLS user agreement for Industry users.\n-   **State Agency Terms of Use**  \nNMLS user agreement for State Agency users.\n-   **Surety Bond Industry Terms of Use**  \nNMLS user agreement for Surety Bond Industry users.\n-   **Federal Agency Terms of Use**  \nNMLS user agreement for Federal Agency users.\n-   **Education Management System Terms of Use**  \nNMLS user agreement for EMS users.\n-   **NMLS Public Comment Policy**  \nPublic Comment Policy Final 10/18/2023\n-   **NMLS Payment Terms Agreement for All Users**  \nThank you for using the Nationwide Multistate Licensing System \\(NMLS\\) for your licensing or registration needs. Licensing and registration payment services on this web site \\(the \"Payment Site\"\\) are provided by the State Regulatory Registry LLC \\(\"SRR\"\\), and are subject to these payment terms and conditions \\(these \"Payment Terms\"\\).\n-   **Failed Payment and Payment Dispute Policy**  \nNMLS policy for collecting failed payments.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_systemPolicies.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_systemPolicies.md",
      "headings": [
        "NMLS System Policies and Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fca .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_systemPolicies.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_techReq.md:chunk-0",
      "title": "Technical Requirements {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fc4 .concept}",
      "content": "# Technical Requirements \n\nTechnical requirements for using NMLS in your web browser.\n\n## Browser \n\n1.  It is recommended that you use the latest version of your browser software to access NMLS.\n2.  All browsers must be JavaScript enabled in order to use the Nationwide Multistate Licensing System & Registry \\(NMLS\\).\n3.  Enabling the browser to use \"cookies\" is recommended.\n4.  When using Edge or Safari as your browser, please turn off the **Compatibility View** in the Tools section.\n5.  If after upgrading your Edge or Safari version, you continue to get the warning message:\n    1.  Go to **Tools** > **Compatibility View** > **Settings**. The NMLS site will be listed as `statemortgageregistry.com`.\n    2.  Select this site and click remove.\n\n## System \n\n-   The system supports a minimum screen resolution of 1024 x 768. While 1024 x 768 is adequate in most regards, the user may experience some text wrapping. Higher screen resolutions of 1280 x 800 or more will offer a better viewing experience and are recommended.\n-   The system requires a high-speed Internet connection.\n-   Some of the pages within the NMLS and NMLS Consumer Access sites link to Portable Document Format \\(PDF\\) files which require a PDF reader to view. You may download a free copy of Adobe® Reader® if you do not already have it on your computer. Get Adobe Reader now.\n\n## Virus Protection \n\nAll documents uploaded to NMLS undergo a virus scan. It is the user's responsibility to test any files they download for viruses.\n\n**Parent topic:**NMLS Reference Guide: About NMLS",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_techReq.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_techReq.md",
      "headings": [
        "Technical Requirements {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fc4 .concept}",
        "Browser {#section_pff_x1r_qfc .section}",
        "System {#section_e3k_x1r_qfc .section}",
        "Virus Protection {#section_ong_r1r_qfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_techReq.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_EMS.md:chunk-0",
      "title": "Education Management System Terms of Use {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7feb .concept}",
      "content": "# Education Management System Terms of Use \n\nNMLS user agreement for EMS users.\n\nThis System is for authorized use only. The System usage may be monitored, recorded, read, captured, or subject to audit in any manner by authorized personnel. Accessing and using this System constitutes consent to having System use monitored and recorded. Unauthorized use is prohibited and subject to not only revocation of access but also criminal and/or civil penalties due to violation of Federal and/or State laws. If criminal activity is discovered, the information will be provided to the appropriate law enforcement officials. Suspected access or use violations should be reported to the CSBS Chief Security Officer at security@csbs.org.\n\n## 1. Agreement \n\nThis Industry Terms of Use \\(“Agreement”\\) constitutes an agreement between You and State Regulatory Registry LLC \\(“SRR”\\) and governs Your use of the Education Management System \\(herein referred to as the “System”, as further defined in Section 2\\). You must obtain a username and password and establish an account \\(“Your Account”\\) in order to access the System. You are responsible for all access to and use of the System under Your username and password.\n\n## 2. Definitions \n\nThe following terms have the meanings that follow when used in this Agreement:\n\n-   The term “Application” as used in this Agreement means an application for NMLS approval as a course provider and/or course offering through the Education Management System \\(System\\).\n-   The term “Approved” as used in this Agreement means any authorization granted by SRR for any applicant to be an Approved NMLS Course Provider.\n-   The term “Data” as used in this Agreement means \\(i\\) any information submitted in connection with Your Application, the renewal or maintenance of your approval as a course provider, or any other supervisory or regulatory matter with respect to You, including but not limited to, any examination or complaint; \\(ii\\) any metadata associated with your ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_EMS.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_EMS.md",
      "headings": [
        "Education Management System Terms of Use {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7feb .concept}",
        "1. Agreement {#section_z3t_14k_rfc .section}",
        "2. Definitions {#section_avp_24k_rfc .section}",
        "3. General {#section_vps_m4k_rfc .section}",
        "4. Data {#section_tlv_cpk_rfc .section}",
        "5. Changes {#section_klg_gpk_rfc .section}",
        "6. Equipment {#section_gml_k2l_rfc .section}",
        "7. Your Conduct {#section_zbk_lqk_rfc .section}",
        "8. Disclaimer of Warranty; Limitation of Liability {#section_mys_vhl_rfc .section}",
        "10. Indemnification {#section_i3p_zhl_rfc .section}",
        "11. Termination {#section_qgk_13l_rfc .section}",
        "12. Trademarks {#section_hnl_b3l_rfc .section}",
        "13. Third-Party Content {#section_zyw_b3l_rfc .section}",
        "14. Privacy and Breach Notification {#section_mgt_d3l_rfc .section}",
        "15. Digital Millennium Copyright Act of 1998 \\(“DMCA”\\) Policy: Copyrights and DMCA Copyright Agent {#section_exs_r3l_rfc .section}",
        "16. Miscellaneous {#section_z5r_23l_rfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_EMS.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_EMS.md:chunk-1",
      "title": "Education Management System Terms of Use {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7feb .concept}",
      "content": " approval as a course provider, or any other supervisory or regulatory matter with respect to You, including but not limited to, any examination or complaint; \\(ii\\) any metadata associated with your interaction with the system; and \\(iii\\) any updates to such information, whether permissive or required by law.\n-   The term “Licensor” as used in this Agreement means a third-party contractor who has granted SRR a license to software applications, materials, content or services used in the System. “Licensor” does not include You.\n-   The term “Shared Information” as used in this Agreement means Data that is submitted to or through the System and accessible by more than one state and/or federal agency.\n-   The term “System” as used in this Agreement means the Education Management System \\(EMS\\) and any and all software applications, materials, content or services accessible thereon as provided by SRR, affiliates of SRR or other third parties.\n-   The terms “You” and “Your” as used in this Agreement mean you as an individual as well as any corporate or other legal entity on whose behalf you are acting.\n\n## 3. General \n\n\\(A\\) This Agreement governs use of the System by \\(i\\) You and \\(ii\\) persons controlling, employed by or otherwise acting on Your behalf through Your Account. Your use of the System is conditioned upon Your acceptance, without modification, of all provisions of this Agreement. If You are acting as an agent or employee of another entity, You may only agree to this Agreement and establish an account if You have the legal power and authority to bind your principal or employer, as the case may be. Any information accessed, requested or provided through the System must be accessed, requested and used in accordance with this Agreement. SRR reserves any rights not expressly granted under this Agreement. YOU AGREE THAT THIS AGREEMENT IS ENFORCEABLE LIKE ANY WRITTEN AND FULLY NEGOTIATED AGREEMENT SIGNED BY YOU. IF YOU DO NOT AGREE, DO NOT CLICK “I AGREE” AND DO ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_EMS.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_EMS.md",
      "headings": [
        "Education Management System Terms of Use {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7feb .concept}",
        "1. Agreement {#section_z3t_14k_rfc .section}",
        "2. Definitions {#section_avp_24k_rfc .section}",
        "3. General {#section_vps_m4k_rfc .section}",
        "4. Data {#section_tlv_cpk_rfc .section}",
        "5. Changes {#section_klg_gpk_rfc .section}",
        "6. Equipment {#section_gml_k2l_rfc .section}",
        "7. Your Conduct {#section_zbk_lqk_rfc .section}",
        "8. Disclaimer of Warranty; Limitation of Liability {#section_mys_vhl_rfc .section}",
        "10. Indemnification {#section_i3p_zhl_rfc .section}",
        "11. Termination {#section_qgk_13l_rfc .section}",
        "12. Trademarks {#section_hnl_b3l_rfc .section}",
        "13. Third-Party Content {#section_zyw_b3l_rfc .section}",
        "14. Privacy and Breach Notification {#section_mgt_d3l_rfc .section}",
        "15. Digital Millennium Copyright Act of 1998 \\(“DMCA”\\) Policy: Copyrights and DMCA Copyright Agent {#section_exs_r3l_rfc .section}",
        "16. Miscellaneous {#section_z5r_23l_rfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_EMS.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_EMS.md:chunk-2",
      "title": "Education Management System Terms of Use {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7feb .concept}",
      "content": " expressly granted under this Agreement. YOU AGREE THAT THIS AGREEMENT IS ENFORCEABLE LIKE ANY WRITTEN AND FULLY NEGOTIATED AGREEMENT SIGNED BY YOU. IF YOU DO NOT AGREE, DO NOT CLICK “I AGREE” AND DO NOT USE THE SYSTEM.\n\n\\(B\\) Your Account, including Your unique username and password, is not transferable to any other person or entity, as the case may be. You are responsible for all use of Your Account \\(under Your unique username and password\\) and for ensuring that all use of Your Account complies fully with this Agreement. The information provided through the System may be used only for Your own professional use and in accordance with this Agreement, and only for the following specifically identified purposes:\n\n-   \\(1\\) Submitting an Application for approval.\n-   \\(2\\) Renewing, updating or maintaining approved status.\n-   \\(3\\) Submitting, renewing, or maintaining course approval\\(s\\).\n-   \\(4\\) Reporting course completions into NMLS\n-   \\(5\\) Participating in SRR and/or a state supervisory examination, investigation or enforcement action.\n-   \\(6\\) Communicating with SRR or a state or federal agency.\n\n\\(C\\) SRR grants You a non-exclusive license to access and use the System for the purposes described herein and for so long as You comply with this Agreement.\n\n\\(D\\) It is Your responsibility to manage Your Account actively and to ensure that \\(a\\) all Data submitted by You or on Your behalf is current and correct, and that all deadlines are met. It is Your responsibility to become familiar with the policies under the NMLS Standards of Conduct for Approved Course Providers. You may be asked as part of or in connection with any supervisory or regulatory matter to disclose information to third parties. In the event of such a disclosure, SRR will not be responsible for the accuracy or content of any information You submit, nor for the use of Your information by any state agency or federal agency or third parties, whether or not the System facilitates the transmission",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_EMS.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_EMS.md",
      "headings": [
        "Education Management System Terms of Use {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7feb .concept}",
        "1. Agreement {#section_z3t_14k_rfc .section}",
        "2. Definitions {#section_avp_24k_rfc .section}",
        "3. General {#section_vps_m4k_rfc .section}",
        "4. Data {#section_tlv_cpk_rfc .section}",
        "5. Changes {#section_klg_gpk_rfc .section}",
        "6. Equipment {#section_gml_k2l_rfc .section}",
        "7. Your Conduct {#section_zbk_lqk_rfc .section}",
        "8. Disclaimer of Warranty; Limitation of Liability {#section_mys_vhl_rfc .section}",
        "10. Indemnification {#section_i3p_zhl_rfc .section}",
        "11. Termination {#section_qgk_13l_rfc .section}",
        "12. Trademarks {#section_hnl_b3l_rfc .section}",
        "13. Third-Party Content {#section_zyw_b3l_rfc .section}",
        "14. Privacy and Breach Notification {#section_mgt_d3l_rfc .section}",
        "15. Digital Millennium Copyright Act of 1998 \\(“DMCA”\\) Policy: Copyrights and DMCA Copyright Agent {#section_exs_r3l_rfc .section}",
        "16. Miscellaneous {#section_z5r_23l_rfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_EMS.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_EMS.md:chunk-3",
      "title": "Education Management System Terms of Use {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7feb .concept}",
      "content": "he accuracy or content of any information You submit, nor for the use of Your information by any state agency or federal agency or third parties, whether or not the System facilitates the transmission of such information. SRR is not obligated to release to You or any other party any information maintained by a state agency or federal agency or pertaining to any supervisory or regulatory matter \\(including, but not limited to, any Application, License, Registration, examination or complaint\\) without the consent of any relevant state and federal agency or agencies.\n\n\\(E\\) You acknowledge and agree that\n\n-   \\(i\\) SRR is providing a service for the state agencies and federal agencies that participate in the System,\n-   \\(ii\\) SRR is not responsible for any decisions made by any state agency or federal agency in connection with any Application, any renewal, update or maintenance of a License, or any other supervisory or regulatory matter \\(including but not limited to, any examination or complaint\\) with respect to You, and that SRR has no authority to alter or waive any requirement of any participating state agency or federal agency,\n-   \\(iii\\) SRR’s role in the collection and storage of information through the System does not mean that SRR is Your agent and\n-   \\(iv\\) SRR does not have any responsibility for such information or any use thereof by the state agencies, federal agencies or third parties other than as expressly set out in this Agreement.\n\n\\(F\\) The System is operated within the United States of America. SRR makes no representation that the System is appropriate for use at locations outside the United States. Access to the System from jurisdictions where the System is illegal is prohibited. If You access the System from a location outside the United States, You are responsible for compliance with all local laws.\n\n\\(G\\) SRR makes no guarantee regarding the future participation of any state agency or federal agency in the System.\n\n\\(H\\) You are responsible ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_EMS.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_EMS.md",
      "headings": [
        "Education Management System Terms of Use {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7feb .concept}",
        "1. Agreement {#section_z3t_14k_rfc .section}",
        "2. Definitions {#section_avp_24k_rfc .section}",
        "3. General {#section_vps_m4k_rfc .section}",
        "4. Data {#section_tlv_cpk_rfc .section}",
        "5. Changes {#section_klg_gpk_rfc .section}",
        "6. Equipment {#section_gml_k2l_rfc .section}",
        "7. Your Conduct {#section_zbk_lqk_rfc .section}",
        "8. Disclaimer of Warranty; Limitation of Liability {#section_mys_vhl_rfc .section}",
        "10. Indemnification {#section_i3p_zhl_rfc .section}",
        "11. Termination {#section_qgk_13l_rfc .section}",
        "12. Trademarks {#section_hnl_b3l_rfc .section}",
        "13. Third-Party Content {#section_zyw_b3l_rfc .section}",
        "14. Privacy and Breach Notification {#section_mgt_d3l_rfc .section}",
        "15. Digital Millennium Copyright Act of 1998 \\(“DMCA”\\) Policy: Copyrights and DMCA Copyright Agent {#section_exs_r3l_rfc .section}",
        "16. Miscellaneous {#section_z5r_23l_rfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_EMS.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_EMS.md:chunk-4",
      "title": "Education Management System Terms of Use {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7feb .concept}",
      "content": "ou are responsible for compliance with all local laws.\n\n\\(G\\) SRR makes no guarantee regarding the future participation of any state agency or federal agency in the System.\n\n\\(H\\) You are responsible for protecting the confidentiality of login credentials \\(including without limitation usernames and passwords\\). Each individual accessing the System must do so with unique login credentials that can be used only by that individual. You agree to notify SRR immediately if You become aware of the loss, theft or unauthorized use of Your username or password, or any unauthorized access to or use of the System or any information submitted to, contained in or downloaded from the System or provided to You by SRR.\n\n## 4. Data \n\n\\(A\\) For purposes of this Agreement, Data submitted or released to a state agency and/or federal agency will be considered to be under that state agency’s and/or federal agency’s control. If Data is submitted or released to more than one state agency or federal agency, then such Data will be considered to be under the control of each such agency. SRR will not be required to correct or alter any Data unless all state agencies and/or federal agencies that have control of such Data consent to such change.\n\n\\(B\\) Every state agency participating in the System will have access to a subset of Data that is Shared Information.\n\n\\(C\\) SRR will retain all Data in the System for a minimum of four \\(4\\) years after such time that You no longer hold an Approved status or have any other supervisory or regulatory matters \\(including but not limited to examinations or complaints\\) relevant to You through or in the System.\n\n\\(D\\) SRR may collect and manipulate Data for the purpose of disseminating Data aggregated on a state, regional or national level. SRR may also copy, process, store and distribute Data consistent with SRR’s performance of its obligations to the state agencies and federal agencies participating in the System. Data may be checked against other state a",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_EMS.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_EMS.md",
      "headings": [
        "Education Management System Terms of Use {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7feb .concept}",
        "1. Agreement {#section_z3t_14k_rfc .section}",
        "2. Definitions {#section_avp_24k_rfc .section}",
        "3. General {#section_vps_m4k_rfc .section}",
        "4. Data {#section_tlv_cpk_rfc .section}",
        "5. Changes {#section_klg_gpk_rfc .section}",
        "6. Equipment {#section_gml_k2l_rfc .section}",
        "7. Your Conduct {#section_zbk_lqk_rfc .section}",
        "8. Disclaimer of Warranty; Limitation of Liability {#section_mys_vhl_rfc .section}",
        "10. Indemnification {#section_i3p_zhl_rfc .section}",
        "11. Termination {#section_qgk_13l_rfc .section}",
        "12. Trademarks {#section_hnl_b3l_rfc .section}",
        "13. Third-Party Content {#section_zyw_b3l_rfc .section}",
        "14. Privacy and Breach Notification {#section_mgt_d3l_rfc .section}",
        "15. Digital Millennium Copyright Act of 1998 \\(“DMCA”\\) Policy: Copyrights and DMCA Copyright Agent {#section_exs_r3l_rfc .section}",
        "16. Miscellaneous {#section_z5r_23l_rfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_EMS.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_EMS.md:chunk-5",
      "title": "Education Management System Terms of Use {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7feb .concept}",
      "content": "rocess, store and distribute Data consistent with SRR’s performance of its obligations to the state agencies and federal agencies participating in the System. Data may be checked against other state and federal regulatory agency databases, the Social Security Administration or financial services or securities industry self-regulatory organization databases, or commercial databases, and Data may be shared with relevant state agencies and/or federal agencies and financial services or securities industry self-regulatory organizations. You grant SRR the right to use Your contact information from time to time for the purposes of issuing communications to You concerning the System, the SAFE Act or other State or Federal Regulatory matters.\n\n\\(E\\) You acknowledge and agree that certain Data submitted through the System may be accessed publicly, including but not limited to:\n\n-   Approved number\n-   Approved name\n-   Approved status\n-   Business phone\n-   Business fax\n-   Business e-mail address\n-   Web address\n-   Other names \\(other than legal name\\)\n-   Disclosure questions\n-   Enforcement actions and/or violations of Standards of Conduct\n\n\\(F\\) SRR has no obligation with respect to any third party’s use of data accessed through the System. SRR, or a state and/or federal agency controlling Data, may disclose Data in response to a request by law enforcement or by a legally sanctioned investigatory authority or otherwise through legal process or under law.\n\n## 5. Changes \n\n\\(A\\) SRR reserves the right to change this Agreement and other guidelines or rules posted on the System \\(including the System Privacy Notice\\) from time to time at its sole discretion. SRR will provide notice of material changes to this Agreement at the resource center and will send an email to You notifying of such changes. The most current form of these terms will be available at NMLS System Policies and Terms of Use. Your access and/or use of the System constitutes Your acknowledgement and acceptanc",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_EMS.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_EMS.md",
      "headings": [
        "Education Management System Terms of Use {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7feb .concept}",
        "1. Agreement {#section_z3t_14k_rfc .section}",
        "2. Definitions {#section_avp_24k_rfc .section}",
        "3. General {#section_vps_m4k_rfc .section}",
        "4. Data {#section_tlv_cpk_rfc .section}",
        "5. Changes {#section_klg_gpk_rfc .section}",
        "6. Equipment {#section_gml_k2l_rfc .section}",
        "7. Your Conduct {#section_zbk_lqk_rfc .section}",
        "8. Disclaimer of Warranty; Limitation of Liability {#section_mys_vhl_rfc .section}",
        "10. Indemnification {#section_i3p_zhl_rfc .section}",
        "11. Termination {#section_qgk_13l_rfc .section}",
        "12. Trademarks {#section_hnl_b3l_rfc .section}",
        "13. Third-Party Content {#section_zyw_b3l_rfc .section}",
        "14. Privacy and Breach Notification {#section_mgt_d3l_rfc .section}",
        "15. Digital Millennium Copyright Act of 1998 \\(“DMCA”\\) Policy: Copyrights and DMCA Copyright Agent {#section_exs_r3l_rfc .section}",
        "16. Miscellaneous {#section_z5r_23l_rfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_EMS.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_EMS.md:chunk-6",
      "title": "Education Management System Terms of Use {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7feb .concept}",
      "content": "ng of such changes. The most current form of these terms will be available at NMLS System Policies and Terms of Use. Your access and/or use of the System constitutes Your acknowledgement and acceptance of the terms of this Agreement as they may exist at the time of such access or use. You should periodically check the “Applicant Agreement” link on the home or login page to view the then-current terms. SRR does not accept or advocate alternative means of accessing or logging into the System; if You do access or log-into the System from a means other than the login page and method provided by SRR, You may be at risk of not receiving periodic notices that are made available by SRR to System users on \\(or associated with\\) the SRR provided login page and method \\(e.g., notices of a change to the terms of this Agreement\\). If You nonetheless use such an alternative means of accessing or logging into the System, then such access and/or use of the System constitutes Your acknowledgement and acceptance of the terms of this Agreement as they may exist at the time of such access or use.\n\n\\(B\\) SRR has the right at any time without notice or obligation to You to change or discontinue any aspect or feature of the System, including, but not limited to, functionality, content, hours of availability, and equipment needed for access or use.\n\n\\(C\\) This Agreement may be altered or amended only in writing by SRR.\n\n## 6. Equipment \n\nYou are responsible for obtaining and maintaining all equipment required for access to and use of the System and all charges and costs related thereto. These equipment requirements are published on the Technical Requirements and may be amended from time to time.\n\n## 7. Your Conduct \n\n\\(A\\) You may use the System for lawful purposes only. You may not post or transmit through the System any material that violates or infringes in any way upon the rights of others, that is unlawful, threatening, abusive, defamatory, invasive of privacy or publicity rights, vul",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_EMS.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_EMS.md",
      "headings": [
        "Education Management System Terms of Use {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7feb .concept}",
        "1. Agreement {#section_z3t_14k_rfc .section}",
        "2. Definitions {#section_avp_24k_rfc .section}",
        "3. General {#section_vps_m4k_rfc .section}",
        "4. Data {#section_tlv_cpk_rfc .section}",
        "5. Changes {#section_klg_gpk_rfc .section}",
        "6. Equipment {#section_gml_k2l_rfc .section}",
        "7. Your Conduct {#section_zbk_lqk_rfc .section}",
        "8. Disclaimer of Warranty; Limitation of Liability {#section_mys_vhl_rfc .section}",
        "10. Indemnification {#section_i3p_zhl_rfc .section}",
        "11. Termination {#section_qgk_13l_rfc .section}",
        "12. Trademarks {#section_hnl_b3l_rfc .section}",
        "13. Third-Party Content {#section_zyw_b3l_rfc .section}",
        "14. Privacy and Breach Notification {#section_mgt_d3l_rfc .section}",
        "15. Digital Millennium Copyright Act of 1998 \\(“DMCA”\\) Policy: Copyrights and DMCA Copyright Agent {#section_exs_r3l_rfc .section}",
        "16. Miscellaneous {#section_z5r_23l_rfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_EMS.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_EMS.md:chunk-7",
      "title": "Education Management System Terms of Use {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7feb .concept}",
      "content": "ansmit through the System any material that violates or infringes in any way upon the rights of others, that is unlawful, threatening, abusive, defamatory, invasive of privacy or publicity rights, vulgar, obscene, profane or otherwise objectionable, that encourages conduct that would constitute a criminal offense, give rise to civil liability to SRR or otherwise violate any law, or that, without SRR’s express prior written approval, contains advertising or any solicitation with respect to products or services. Any conduct by You that, in SRR’s sole determination, restricts or inhibits any other user from using or enjoying the System will not be permitted. Unless otherwise specifically set forth herein, You may not use the System, or the content contained therein or obtained therefrom, to advertise or perform any commercial solicitation. In no event may You offer to others any content of any kind retrieved from the System. You agree that You will not use content of any kind retrieved from the System to develop or create a database to be sold, leased, furnished, licensed or made otherwise available \\(either commercially or free of charge\\). You agree that You will not use, or allow others to use, any data mining, robots, or similar data gathering and extraction methods to monitor or copy the System in bulk, or to make voluminous, excessive or repetitive requests for information. You further agree that You will not use any device, software or routine to bypass any software or hardware that prohibits volume requests for information, You will not interfere with or attempt to interfere with the proper working of the System, and You will not take any action that imposes an unreasonable or disproportionately large load on the System.\n\n\\(B\\) The System contains copyrighted material, trademarks and other proprietary information. SRR, the relevant state agencies and federal agencies or SRR’s Licensors own all copyright in the selection, coordination, arrangement and enhancemen",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_EMS.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_EMS.md",
      "headings": [
        "Education Management System Terms of Use {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7feb .concept}",
        "1. Agreement {#section_z3t_14k_rfc .section}",
        "2. Definitions {#section_avp_24k_rfc .section}",
        "3. General {#section_vps_m4k_rfc .section}",
        "4. Data {#section_tlv_cpk_rfc .section}",
        "5. Changes {#section_klg_gpk_rfc .section}",
        "6. Equipment {#section_gml_k2l_rfc .section}",
        "7. Your Conduct {#section_zbk_lqk_rfc .section}",
        "8. Disclaimer of Warranty; Limitation of Liability {#section_mys_vhl_rfc .section}",
        "10. Indemnification {#section_i3p_zhl_rfc .section}",
        "11. Termination {#section_qgk_13l_rfc .section}",
        "12. Trademarks {#section_hnl_b3l_rfc .section}",
        "13. Third-Party Content {#section_zyw_b3l_rfc .section}",
        "14. Privacy and Breach Notification {#section_mgt_d3l_rfc .section}",
        "15. Digital Millennium Copyright Act of 1998 \\(“DMCA”\\) Policy: Copyrights and DMCA Copyright Agent {#section_exs_r3l_rfc .section}",
        "16. Miscellaneous {#section_z5r_23l_rfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_EMS.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_EMS.md:chunk-8",
      "title": "Education Management System Terms of Use {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7feb .concept}",
      "content": "ial, trademarks and other proprietary information. SRR, the relevant state agencies and federal agencies or SRR’s Licensors own all copyright in the selection, coordination, arrangement and enhancement of such information and data, as well as in some or all of the content original to it. The System contains links to and accesses proprietary databases of SRR and third parties and employs proprietary software of SRR and third parties. The software applications, materials or services accessible through the System are created by or on behalf of SRR, the state agencies and/or the federal agencies. You may not modify, publish, transmit, participate in the transfer or sale, create derivative works, or in any way exploit, any of the software applications, materials or services hosted on or obtained from the System, in whole or in part. You may download content from the System, the state agencies and/or the federal agencies for Your personal and professional use only and only to the extent permitted by this Agreement. Any information or content You download from the System or receive from SRR must be protected using the appropriate security measures and may not be retained longer than necessary to achieve the purposes outlined in herein. Except as otherwise expressly permitted by law, no copying, redistribution, retransmission, publication or commercial exploitation of downloaded material will be permitted without the express written permission of SRR and, if applicable, the owner of any proprietary rights in such material. In the event of any permitted copying, redistribution or publication of content obtained from the System, no changes in or deletion of author attribution, trademark legend or copyright notice may be made. You acknowledge that You do not acquire any ownership rights by downloading material from the System.\n\n\\(C\\) You may not upload, post or otherwise make available on the System any material protected by copyright, trademark or other proprietary right with",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_EMS.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_EMS.md",
      "headings": [
        "Education Management System Terms of Use {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7feb .concept}",
        "1. Agreement {#section_z3t_14k_rfc .section}",
        "2. Definitions {#section_avp_24k_rfc .section}",
        "3. General {#section_vps_m4k_rfc .section}",
        "4. Data {#section_tlv_cpk_rfc .section}",
        "5. Changes {#section_klg_gpk_rfc .section}",
        "6. Equipment {#section_gml_k2l_rfc .section}",
        "7. Your Conduct {#section_zbk_lqk_rfc .section}",
        "8. Disclaimer of Warranty; Limitation of Liability {#section_mys_vhl_rfc .section}",
        "10. Indemnification {#section_i3p_zhl_rfc .section}",
        "11. Termination {#section_qgk_13l_rfc .section}",
        "12. Trademarks {#section_hnl_b3l_rfc .section}",
        "13. Third-Party Content {#section_zyw_b3l_rfc .section}",
        "14. Privacy and Breach Notification {#section_mgt_d3l_rfc .section}",
        "15. Digital Millennium Copyright Act of 1998 \\(“DMCA”\\) Policy: Copyrights and DMCA Copyright Agent {#section_exs_r3l_rfc .section}",
        "16. Miscellaneous {#section_z5r_23l_rfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_EMS.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_EMS.md:chunk-9",
      "title": "Education Management System Terms of Use {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7feb .concept}",
      "content": "rights by downloading material from the System.\n\n\\(C\\) You may not upload, post or otherwise make available on the System any material protected by copyright, trademark or other proprietary right without the express written permission of the owner of the copyright, trademark or other proprietary right and the burden of determining that any material is not protected by law rests with You. You will be solely liable for any damage resulting from any infringement of copyrights, proprietary rights, or any other harm resulting from such a submission. By submitting material to the System, You automatically grant to, or warrant that the owner of such material has expressly granted, SRR a royalty-free, perpetual, irrevocable, non-exclusive, unlimited right and license to use, reproduce, modify, adapt, publish, translate and distribute such material \\(in whole or in part\\) worldwide and/or to incorporate it in other works in any form, media or technology now known or hereafter developed for the full term of any copyright or other right that may exist in such material. You hereby grant SRR the rights to edit, copy, publish and distribute any material made available on the System by You or on Your behalf.\n\n\\(D\\) The foregoing provisions of Section 7 are for the benefit of SRR, its affiliates and its Third Party Content Providers and Licensors and the state agencies and federal agencies participating in the System, and each will have the right to assert and enforce such provisions directly or on its own behalf.\n\n## 8. Disclaimer of Warranty; Limitation of Liability \n\n\\(A\\) USE OF THE SYSTEM IS AT YOUR SOLE RISK. SRR, ITS AFFILIATES, THIRD PARTY CONTENT PROVIDERS, LICENSORS AND THE STATE AGENCIES AND FEDERAL AGENCIES PARTICIPATING IN THE SYSTEM AND THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES AND AGENTS MAKE NO WARRANTY \\(i\\) THAT THE SYSTEM WILL BE UNINTERRUPTED OR ERROR-FREE; \\(ii\\) AS TO THE RESULTS THAT MAY BE OBTAINED FROM USE OF THE SYSTEM OR \\(iii\\) AS TO THE ACCURACY, ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_EMS.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_EMS.md",
      "headings": [
        "Education Management System Terms of Use {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7feb .concept}",
        "1. Agreement {#section_z3t_14k_rfc .section}",
        "2. Definitions {#section_avp_24k_rfc .section}",
        "3. General {#section_vps_m4k_rfc .section}",
        "4. Data {#section_tlv_cpk_rfc .section}",
        "5. Changes {#section_klg_gpk_rfc .section}",
        "6. Equipment {#section_gml_k2l_rfc .section}",
        "7. Your Conduct {#section_zbk_lqk_rfc .section}",
        "8. Disclaimer of Warranty; Limitation of Liability {#section_mys_vhl_rfc .section}",
        "10. Indemnification {#section_i3p_zhl_rfc .section}",
        "11. Termination {#section_qgk_13l_rfc .section}",
        "12. Trademarks {#section_hnl_b3l_rfc .section}",
        "13. Third-Party Content {#section_zyw_b3l_rfc .section}",
        "14. Privacy and Breach Notification {#section_mgt_d3l_rfc .section}",
        "15. Digital Millennium Copyright Act of 1998 \\(“DMCA”\\) Policy: Copyrights and DMCA Copyright Agent {#section_exs_r3l_rfc .section}",
        "16. Miscellaneous {#section_z5r_23l_rfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_EMS.html",
      "snippet": null
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      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_EMS.md:chunk-10",
      "title": "Education Management System Terms of Use {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7feb .concept}",
      "content": "S, EMPLOYEES AND AGENTS MAKE NO WARRANTY \\(i\\) THAT THE SYSTEM WILL BE UNINTERRUPTED OR ERROR-FREE; \\(ii\\) AS TO THE RESULTS THAT MAY BE OBTAINED FROM USE OF THE SYSTEM OR \\(iii\\) AS TO THE ACCURACY, RELIABILITY OR CONTENT OF ANY INFORMATION, SERVICE, OR MATERIALS PROVIDED THROUGH THE SYSTEM, OR ANY PART THEREOF, INCLUDING THE SAFE MORTGAGE LOAN ORIGINATOR TEST NATIONAL AND STATECOMPONENTS.\n\n\\(B\\) THE SYSTEM, INCLUDING THE SAFE MORTGAGE LOAN ORIGINATOR TEST NATIONAL AND STATE COMPONENTS, IS PROVIDED “AS IS” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF TITLE OR IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, OTHER THAN THOSE WARRANTIES THAT ARE IMPLIED BY AND INCAPABLE OF EXCLUSION, RESTRICTION OR MODIFICATION BY VIRTUE OF THE LAWS APPLICABLE TO THIS AGREEMENT.\n\n\\(C\\) THIS DISCLAIMER OF LIABILITY APPLIES TO ANY DAMAGES OR INJURY CAUSED BY ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS, COMMUNICATION LINE FAILURE, THEFT OR DESTRUCTION OR UNAUTHORIZED ACCESS TO, ALTERATION OF, OR USE OF RECORD, WHETHER FOR BREACH OF CONTRACT, TORTIOUS BEHAVIOR, NEGLIGENCE, OR UNDER ANY OTHER CAUSE OF ACTION. YOU SPECIFICALLY ACKNOWLEDGE THAT SRR, ITS AFFILIATES, THIRD PARTY CONTENT PROVIDERS, LICENSORS AND THE STATE AGENCIES AND FEDERAL AGENCIES PARTICIPATING IN THE SYSTEM AND THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES AND AGENTS ARE NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE OR ILLEGAL CONDUCT OF OTHER USERS OR ANYONE ELSE AND THAT THE RISK OF INJURY FROM THE FOREGOING RESTS ENTIRELY WITH YOU.\n\n\\(D\\) IN NO EVENT WILL SRR, ITS AFFILIATES, THIRD PARTY CONTENT PROVIDERS, LICENSORS AND THE STATE AGENCIES AND FEDERAL AGENCIESPARTICIPATING IN THE SYSTEM AND THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES AND AGENTS, OR ANY PERSON OR ENTITY INVOLVED IN CREATING, PRODUCING OR DISTRIBUTING THE SYSTEM OR SOFTWARE UNDERLYING T",
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      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_EMS.md",
      "headings": [
        "Education Management System Terms of Use {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7feb .concept}",
        "1. Agreement {#section_z3t_14k_rfc .section}",
        "2. Definitions {#section_avp_24k_rfc .section}",
        "3. General {#section_vps_m4k_rfc .section}",
        "4. Data {#section_tlv_cpk_rfc .section}",
        "5. Changes {#section_klg_gpk_rfc .section}",
        "6. Equipment {#section_gml_k2l_rfc .section}",
        "7. Your Conduct {#section_zbk_lqk_rfc .section}",
        "8. Disclaimer of Warranty; Limitation of Liability {#section_mys_vhl_rfc .section}",
        "10. Indemnification {#section_i3p_zhl_rfc .section}",
        "11. Termination {#section_qgk_13l_rfc .section}",
        "12. Trademarks {#section_hnl_b3l_rfc .section}",
        "13. Third-Party Content {#section_zyw_b3l_rfc .section}",
        "14. Privacy and Breach Notification {#section_mgt_d3l_rfc .section}",
        "15. Digital Millennium Copyright Act of 1998 \\(“DMCA”\\) Policy: Copyrights and DMCA Copyright Agent {#section_exs_r3l_rfc .section}",
        "16. Miscellaneous {#section_z5r_23l_rfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_EMS.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_EMS.md:chunk-11",
      "title": "Education Management System Terms of Use {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7feb .concept}",
      "content": "SPARTICIPATING IN THE SYSTEM AND THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES AND AGENTS, OR ANY PERSON OR ENTITY INVOLVED IN CREATING, PRODUCING OR DISTRIBUTING THE SYSTEM OR SOFTWARE UNDERLYING THE SYSTEM BE LIABLE FOR ANY DAMAGES, INCLUDING, WITHOUT LIMITATION, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES ARISING OUT OF THE USE OF OR INABILITY TO USE THE SYSTEM. YOU HEREBY ACKNOWLEDGE THAT THE PROVISIONS OF THIS SECTION APPLY TO ALL CONTENT ON, AND SERVICES PROVIDED THROUGH, THE SYSTEM INCLUDING THE SAFE MORTGAGE LOAN ORIGINATOR TEST NATIONAL AND STATE COMPONENTS. IN ADDITION TO THE TERMS SET FORTH ABOVE, SRR, ITS AFFILIATES, THIRD PARTY CONTENT PROVIDERS, LICENSORS AND THE STATE AGENCIES AND FEDERAL AGENCIES PARTICIPATING IN THE SYSTEM AND THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES AND AGENTS WILL NOT BE LIABLE, REGARDLESS OF THE CAUSE OR DURATION, FOR ANY ERRORS, INACCURACIES, OMISSIONS, OR OTHER DEFECTS IN, OR UNTIMELINESS OR UNAUTHENTICITY OF, THE INFORMATION CONTAINED WITHIN THE SYSTEM, INCLUDING THE SAFE MORTGAGE LOAN ORIGINATOR TEST NATIONAL AND STATE COMPONENTS, OR FOR ANY DELAY OR INTERRUPTION IN THE TRANSMISSION THEREOF TO YOU, OR FOR ANY CLAIMS OR LOSSES ARISING THEREFROM OR OCCASIONED THEREBY OR FOR ANY DISCIPLINARY OR REGULATORY ACTION TAKEN THEREUPON. SRR, ITS AFFILIATES, THIRD PARTY CONTENT PROVIDERS, LICENSORS AND THE STATE AGENCIES AND FEDERAL AGENCIES PARTICIPATING IN THE SYSTEM AND THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES AND AGENTS WILL NOT BE LIABLE FOR ANY THIRD PARTY CLAIMS OR LOSSES OF ANY NATURE, INCLUDING, BUT NOT LIMITED TO, LOST PROFITS, PUNITIVE OR CONSEQUENTIAL DAMAGES. SRR, ITS AFFILIATES, THIRD PARTY CONTENT PROVIDERS, LICENSORS AND THE STATE AGENCIES AND FEDERAL AGENCIES PARTICIPATING IN THE SYSTEM AND THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES AND AGENTS DO NOT WARRANT OR GUARANTEE THE TIMELINESS, SEQUENCE, ACCURACY OR COMPLETENESS OF INFORMATION AVAILABLE THROUGH THE SYSTEM INCLUDI",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_EMS.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_EMS.md",
      "headings": [
        "Education Management System Terms of Use {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7feb .concept}",
        "1. Agreement {#section_z3t_14k_rfc .section}",
        "2. Definitions {#section_avp_24k_rfc .section}",
        "3. General {#section_vps_m4k_rfc .section}",
        "4. Data {#section_tlv_cpk_rfc .section}",
        "5. Changes {#section_klg_gpk_rfc .section}",
        "6. Equipment {#section_gml_k2l_rfc .section}",
        "7. Your Conduct {#section_zbk_lqk_rfc .section}",
        "8. Disclaimer of Warranty; Limitation of Liability {#section_mys_vhl_rfc .section}",
        "10. Indemnification {#section_i3p_zhl_rfc .section}",
        "11. Termination {#section_qgk_13l_rfc .section}",
        "12. Trademarks {#section_hnl_b3l_rfc .section}",
        "13. Third-Party Content {#section_zyw_b3l_rfc .section}",
        "14. Privacy and Breach Notification {#section_mgt_d3l_rfc .section}",
        "15. Digital Millennium Copyright Act of 1998 \\(“DMCA”\\) Policy: Copyrights and DMCA Copyright Agent {#section_exs_r3l_rfc .section}",
        "16. Miscellaneous {#section_z5r_23l_rfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_EMS.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_EMS.md:chunk-12",
      "title": "Education Management System Terms of Use {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7feb .concept}",
      "content": "SYSTEM AND THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES AND AGENTS DO NOT WARRANT OR GUARANTEE THE TIMELINESS, SEQUENCE, ACCURACY OR COMPLETENESS OF INFORMATION AVAILABLE THROUGH THE SYSTEM INCLUDING THE SAFE MORTGAGE LOAN ORIGINATOR TEST NATIONAL AND STATE COMPONENTS.\n\n\\(E\\) The foregoing provisions of Section 8 are for the benefit of SRR, its affiliates and its Third Party Content Providers and Licensors and the state agencies and federal agencies participating in the System, and each will have the right to assert and enforce such provisions directly or on its own behalf. 9. Monitoring SRR has the right, but not the obligation, to monitor the content of the System, including chat rooms and forums, to determine compliance with this Agreement and any other rules established by SRR and to satisfy any law, statutes, regulations, guidelines or authorized government request. SRR has the right in its sole discretion to edit, refuse to post or remove any material submitted to or posted on the System. Without limiting the foregoing, SRR has the right to remove any material that SRR, in its sole discretion, finds to be in violation of this Agreement.\n\n## 10. Indemnification \n\nYou agree to defend, indemnify and hold harmless SRR, its affiliates, Third-Party Content Providers, Licensors and the state agencies and federal agencies participating in the System and their respective directors, officers, employees and agents from and against all claims, fees, costs and expenses, including attorneys’ fees, arising out of or in connection with Your Account or Your use of the System.\n\n## 11. Termination \n\nSRR has the right to immediately terminate Your Account in the event of any conduct by You, which SRR, in its sole determination, considers to be unacceptable, or in the event of any breach by You of this Agreement. The provisions of Sections 3, 4, 7, 8, 10 and this Section 11 will survive such termination. If You breach any of the terms of this Agreement or fail to pay any fees r",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_EMS.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_EMS.md",
      "headings": [
        "Education Management System Terms of Use {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7feb .concept}",
        "1. Agreement {#section_z3t_14k_rfc .section}",
        "2. Definitions {#section_avp_24k_rfc .section}",
        "3. General {#section_vps_m4k_rfc .section}",
        "4. Data {#section_tlv_cpk_rfc .section}",
        "5. Changes {#section_klg_gpk_rfc .section}",
        "6. Equipment {#section_gml_k2l_rfc .section}",
        "7. Your Conduct {#section_zbk_lqk_rfc .section}",
        "8. Disclaimer of Warranty; Limitation of Liability {#section_mys_vhl_rfc .section}",
        "10. Indemnification {#section_i3p_zhl_rfc .section}",
        "11. Termination {#section_qgk_13l_rfc .section}",
        "12. Trademarks {#section_hnl_b3l_rfc .section}",
        "13. Third-Party Content {#section_zyw_b3l_rfc .section}",
        "14. Privacy and Breach Notification {#section_mgt_d3l_rfc .section}",
        "15. Digital Millennium Copyright Act of 1998 \\(“DMCA”\\) Policy: Copyrights and DMCA Copyright Agent {#section_exs_r3l_rfc .section}",
        "16. Miscellaneous {#section_z5r_23l_rfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_EMS.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_EMS.md:chunk-13",
      "title": "Education Management System Terms of Use {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7feb .concept}",
      "content": "breach by You of this Agreement. The provisions of Sections 3, 4, 7, 8, 10 and this Section 11 will survive such termination. If You breach any of the terms of this Agreement or fail to pay any fees required for the services provided under this Agreement, SRR may disable Your Account, pursue collections against You, and terminate or temporarily suspend Your access to, participation in and use of the System and require You to immediately destroy any materials downloaded or printed from the System in violation of this Agreement.\n\n## 12. Trademarks \n\n“SRR”, “NMLS”, “Nationwide Mortgage Licensing System”, “Nationwide Multistate Licensing System”, “Nationwide Mortgage Licensing System and Registry” and associated logos are trademarks and/or service marks of SRR. All rights reserved.\n\n## 13. Third-Party Content \n\n\\(A\\) Use of some third-party materials included on the System may be subject to other terms and conditions typically found in a separate license agreement or “Read Me” file located near such materials. SRR is a distributor \\(and not a publisher\\) of content supplied by Third-Party Content Providers and users. Accordingly, SRR has no more editorial control over such content than does a public library, bookstore, or newsstand. Any opinions, advice, statements, services, offers, or other information or content expressed or made available by third parties, including information providers or any other users of the System are those of the respective author\\(s\\) or distributor\\(s\\) and not of SRR. Neither SRR nor any Third-Party Content Provider guarantees the accuracy, completeness, or usefulness of any content, nor its merchantability or fitness for any particular purpose. \\(Refer to Section 8 above for the complete provisions governing limitation of liabilities and disclaimers of warranty.\\)\n\n\\(B\\) In many instances, the information available through the System represents the opinions and judgments of the respective Third-Party Content Provider or other users not un",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_EMS.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_EMS.md",
      "headings": [
        "Education Management System Terms of Use {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7feb .concept}",
        "1. Agreement {#section_z3t_14k_rfc .section}",
        "2. Definitions {#section_avp_24k_rfc .section}",
        "3. General {#section_vps_m4k_rfc .section}",
        "4. Data {#section_tlv_cpk_rfc .section}",
        "5. Changes {#section_klg_gpk_rfc .section}",
        "6. Equipment {#section_gml_k2l_rfc .section}",
        "7. Your Conduct {#section_zbk_lqk_rfc .section}",
        "8. Disclaimer of Warranty; Limitation of Liability {#section_mys_vhl_rfc .section}",
        "10. Indemnification {#section_i3p_zhl_rfc .section}",
        "11. Termination {#section_qgk_13l_rfc .section}",
        "12. Trademarks {#section_hnl_b3l_rfc .section}",
        "13. Third-Party Content {#section_zyw_b3l_rfc .section}",
        "14. Privacy and Breach Notification {#section_mgt_d3l_rfc .section}",
        "15. Digital Millennium Copyright Act of 1998 \\(“DMCA”\\) Policy: Copyrights and DMCA Copyright Agent {#section_exs_r3l_rfc .section}",
        "16. Miscellaneous {#section_z5r_23l_rfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_EMS.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_EMS.md:chunk-14",
      "title": "Education Management System Terms of Use {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7feb .concept}",
      "content": "laimers of warranty.\\)\n\n\\(B\\) In many instances, the information available through the System represents the opinions and judgments of the respective Third-Party Content Provider or other users not under contract with SRR. SRR neither endorses nor is responsible for the accuracy or reliability of any opinion, advice or statement made on the System or the software applications, content or services accessible through the System. Under no circumstances will SRR, its affiliates, Third-Party Content Providers, Licensors and the state agencies and federal agencies participating in the System and their respective directors, officers, employees and agents be liable for any loss or damage caused by Your reliance on information obtained through the System. It is Your responsibility to evaluate the accuracy, completeness or usefulness of any information, opinion, advice or other content available through the System. Please seek the advice of professionals, as appropriate, regarding the evaluation of any specific information, opinion, advice or other content.\n\n\\(C\\) The System may contain links to other websites operated by or under contract with SRR. Such hyperlinks to other websites, whether to a home page or some other page on a website, are provided for Your reference and convenience only. You agree not to hold SRR or contracted service providers responsible for the content, operation, or service of such websites.\n\n## 14. Privacy and Breach Notification \n\nData submitted to a state agency or federal agency will be subject to the public information, privacy and breach notification laws and policies of such agency.\n\n## 15. Digital Millennium Copyright Act of 1998 \\(“DMCA”\\) Policy: Copyrights and DMCA Copyright Agent \n\nSRR respects the rights of all copyright holders and in this regard, SRR has adopted and implemented a DMCA Policy, which provides for the termination of Your and other users’ rights to access the System in appropriate circumstances \\(e.g., repeat infringement\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_EMS.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_EMS.md",
      "headings": [
        "Education Management System Terms of Use {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7feb .concept}",
        "1. Agreement {#section_z3t_14k_rfc .section}",
        "2. Definitions {#section_avp_24k_rfc .section}",
        "3. General {#section_vps_m4k_rfc .section}",
        "4. Data {#section_tlv_cpk_rfc .section}",
        "5. Changes {#section_klg_gpk_rfc .section}",
        "6. Equipment {#section_gml_k2l_rfc .section}",
        "7. Your Conduct {#section_zbk_lqk_rfc .section}",
        "8. Disclaimer of Warranty; Limitation of Liability {#section_mys_vhl_rfc .section}",
        "10. Indemnification {#section_i3p_zhl_rfc .section}",
        "11. Termination {#section_qgk_13l_rfc .section}",
        "12. Trademarks {#section_hnl_b3l_rfc .section}",
        "13. Third-Party Content {#section_zyw_b3l_rfc .section}",
        "14. Privacy and Breach Notification {#section_mgt_d3l_rfc .section}",
        "15. Digital Millennium Copyright Act of 1998 \\(“DMCA”\\) Policy: Copyrights and DMCA Copyright Agent {#section_exs_r3l_rfc .section}",
        "16. Miscellaneous {#section_z5r_23l_rfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_EMS.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_EMS.md:chunk-15",
      "title": "Education Management System Terms of Use {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7feb .concept}",
      "content": "egard, SRR has adopted and implemented a DMCA Policy, which provides for the termination of Your and other users’ rights to access the System in appropriate circumstances \\(e.g., repeat infringement\\).\n\n## 16. Miscellaneous \n\n\\(A\\)\n\n-   \\(1\\) Any dispute between You and a state agency and/or federal agency must be resolved with that agency and not SRR.\n-   \\(2\\) Unless specifically provided otherwise herein, all notices and communications to You from SRR hereunder will be made by registered or certified mail, fax or e-mail, using the contact information provided by You, or at Your log-in page and will be deemed to have been duly given and made when sent to You or when You log in to the System, as applicable.\n-   \\(3\\) All notices and communications to SRR hereunder must be in writing and will be deemed to have been duly given and made when received if \\(i\\) served by personal delivery upon SRR, \\(ii\\) delivered by registered or certified mail, return receipt requested, to 1129 20th Street, NW,9th Floor, Washington, D.C. 20036, Attention: SRR President and CEO, cc to CSBS General Counsel, \\(iii\\) sent by fax to \\(202\\) 296 1928, Attention: SRR President and CEO or \\(iv\\) sent by email to SRRnotifications@csbs.org, provided that receipt of the fax or e-mail notice or communication is promptly confirmed by telephone confirmation thereof.\n\n\\(B\\) All use of the System and the export, re-export or distribution of SRR software products are subject to U.S. economic sanction laws and regulations administered by the U.S. Treasury Office of Foreign Assets Control and other agencies, including the Office of Export Enforcement of the Department of Commerce. These agencies maintain and update lists of prohibited countries and individuals and administer sanctions against U.S. corporations and individuals conducting business with designated entities.\n\n\\(C\\) This Agreement constitutes the entire agreement of the parties with respect to the subject matter hereof and supersede all pre",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_EMS.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_EMS.md",
      "headings": [
        "Education Management System Terms of Use {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7feb .concept}",
        "1. Agreement {#section_z3t_14k_rfc .section}",
        "2. Definitions {#section_avp_24k_rfc .section}",
        "3. General {#section_vps_m4k_rfc .section}",
        "4. Data {#section_tlv_cpk_rfc .section}",
        "5. Changes {#section_klg_gpk_rfc .section}",
        "6. Equipment {#section_gml_k2l_rfc .section}",
        "7. Your Conduct {#section_zbk_lqk_rfc .section}",
        "8. Disclaimer of Warranty; Limitation of Liability {#section_mys_vhl_rfc .section}",
        "10. Indemnification {#section_i3p_zhl_rfc .section}",
        "11. Termination {#section_qgk_13l_rfc .section}",
        "12. Trademarks {#section_hnl_b3l_rfc .section}",
        "13. Third-Party Content {#section_zyw_b3l_rfc .section}",
        "14. Privacy and Breach Notification {#section_mgt_d3l_rfc .section}",
        "15. Digital Millennium Copyright Act of 1998 \\(“DMCA”\\) Policy: Copyrights and DMCA Copyright Agent {#section_exs_r3l_rfc .section}",
        "16. Miscellaneous {#section_z5r_23l_rfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_EMS.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_EMS.md:chunk-16",
      "title": "Education Management System Terms of Use {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7feb .concept}",
      "content": "ions and individuals conducting business with designated entities.\n\n\\(C\\) This Agreement constitutes the entire agreement of the parties with respect to the subject matter hereof and supersede all previous written or oral agreements between the parties with respect to such subject matter.\n\n\\(D\\) This Agreement will be construed in accordance with the laws of the Commonwealth of Virginia, without regard to its conflict of laws rules. The parties hereto agree that the jurisdiction for any claim brought under this Agreement will be the County of Arlington, Virginia. The parties hereto expressly waive any right to a jury trial.\n\n\\(E\\) No waiver by either party of any breach or default hereunder will be deemed to be a waiver of any preceding or subsequent breach or default.\n\n\\(F\\) If any of these terms, or the application thereof to any individual, entity or circumstance, is deemed to any extent to be invalid or unenforceable, the remainder of these terms, or the application of such terms or provisions to persons or circumstances other than those as to which they are invalid or unenforceable, will not be affected thereby, and each term and provision of these terms will be valid and enforceable to the fullest extent permitted by law.\n\n\\(G\\) Except as otherwise set forth in this Agreement, no third party will be entitled to enforce these terms against the respective parties as third-party beneficiaries thereof.\n\n\\(H\\) The section headings used herein are for convenience only and are not be given any legal import.\n\n\\(I\\) This Agreement will be binding upon and inure to the benefit of the parties hereto and their respective successors, legal representatives and permitted assigns. You may not assign any of its rights or delegate any of its obligations under this Agreement, other than to an affiliate, without the prior written consent of SRR.\n\n**Parent topic:**NMLS System Policies and Terms of Use",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_EMS.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_EMS.md",
      "headings": [
        "Education Management System Terms of Use {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7feb .concept}",
        "1. Agreement {#section_z3t_14k_rfc .section}",
        "2. Definitions {#section_avp_24k_rfc .section}",
        "3. General {#section_vps_m4k_rfc .section}",
        "4. Data {#section_tlv_cpk_rfc .section}",
        "5. Changes {#section_klg_gpk_rfc .section}",
        "6. Equipment {#section_gml_k2l_rfc .section}",
        "7. Your Conduct {#section_zbk_lqk_rfc .section}",
        "8. Disclaimer of Warranty; Limitation of Liability {#section_mys_vhl_rfc .section}",
        "10. Indemnification {#section_i3p_zhl_rfc .section}",
        "11. Termination {#section_qgk_13l_rfc .section}",
        "12. Trademarks {#section_hnl_b3l_rfc .section}",
        "13. Third-Party Content {#section_zyw_b3l_rfc .section}",
        "14. Privacy and Breach Notification {#section_mgt_d3l_rfc .section}",
        "15. Digital Millennium Copyright Act of 1998 \\(“DMCA”\\) Policy: Copyrights and DMCA Copyright Agent {#section_exs_r3l_rfc .section}",
        "16. Miscellaneous {#section_z5r_23l_rfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_EMS.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_EMS.md:chunk-17",
      "title": "Education Management System Terms of Use {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7feb .concept}",
      "content": "than to an affiliate, without the prior written consent of SRR.\n\n**Parent topic:**NMLS System Policies and Terms of Use",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_EMS.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_EMS.md",
      "headings": [
        "Education Management System Terms of Use {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7feb .concept}",
        "1. Agreement {#section_z3t_14k_rfc .section}",
        "2. Definitions {#section_avp_24k_rfc .section}",
        "3. General {#section_vps_m4k_rfc .section}",
        "4. Data {#section_tlv_cpk_rfc .section}",
        "5. Changes {#section_klg_gpk_rfc .section}",
        "6. Equipment {#section_gml_k2l_rfc .section}",
        "7. Your Conduct {#section_zbk_lqk_rfc .section}",
        "8. Disclaimer of Warranty; Limitation of Liability {#section_mys_vhl_rfc .section}",
        "10. Indemnification {#section_i3p_zhl_rfc .section}",
        "11. Termination {#section_qgk_13l_rfc .section}",
        "12. Trademarks {#section_hnl_b3l_rfc .section}",
        "13. Third-Party Content {#section_zyw_b3l_rfc .section}",
        "14. Privacy and Breach Notification {#section_mgt_d3l_rfc .section}",
        "15. Digital Millennium Copyright Act of 1998 \\(“DMCA”\\) Policy: Copyrights and DMCA Copyright Agent {#section_exs_r3l_rfc .section}",
        "16. Miscellaneous {#section_z5r_23l_rfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_EMS.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_ESB.md:chunk-0",
      "title": "Surety Bond Industry Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fc5 .concept}",
      "content": "# Surety Bond Industry Terms of Use \n\nNMLS user agreement for Surety Bond Industry users.\n\nThis System is for authorized use only. The System use may be monitored, recorded, read, captured, or subject to audit in any manner by authorized personnel. Accessing and using this System constitutes consent to having System use monitored and recorded. Unauthorized use is prohibited and subject to not only revocation of access but also criminal and/or civil penalties due to violation of Federal and/or State laws. If criminal activity is discovered, the information will be provided to the appropriate law enforcement officials. Suspected access or use violations should be reported to the CSBS Chief Security Officer at security@csbs.org.\n\n## 1. Agreement \n\nThis Surety Bond Industry Terms of Use \\(“Agreement”\\) constitutes an agreement between You and State Regulatory Registry LLC \\(“SRR”\\) and governs Your use of the Nationwide Mortgage Licensing System \\(herein referred to as the “System”, as further defined in 2. Definitions\\). You must obtain a username and password and establish an account \\(“Your Account” or “Account”\\) in order to access the System. You are responsible for all access to and use of the System under Your username and password.\n\nMany state financial services regulators \\(“State Agencies” or “State Agency”\\) utilize the System to license or register individuals or companies within their jurisdiction \\(“Regulated Entities” or “Regulated Entity”\\). Many Regulated Entities are required by applicable state law to have surety bonds in connection with an application for a license or registration and to maintain any such license or registration. SRR has developed, for the convenience of both State Agencies and the Regulated Entities using the System, functionality on the System that enables a company in the business of issuing surety bonds \\(“a Surety Bond Company”\\) or its authorized agent \\(“a Surety Bond Producer”\\) that has sold a bond to a Regulated Entity to, ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_ESB.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_ESB.md",
      "headings": [
        "Surety Bond Industry Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fc5 .concept}",
        "1. Agreement {#section_pd5_1qq_qfc .section}",
        "2. Definitions {#section_yp4_dqq_qfc .section}",
        "3. General {#section_jv2_2sq_qfc .section}",
        "4. Industry Data {#section_kgr_rsq_qfc .section}",
        "5. Changes {#section_sbp_fzq_qfc .section}",
        "6. Equipment {#section_mpy_dzq_qfc .section}",
        "8. Disclaimer of Warranty; Limitation of Liability {#section_k3f_kcr_qfc .section}",
        "9. Monitoring {#section_nrc_4dr_qfc .section}",
        "10. Indemnification {#section_in5_pcr_qfc .section}",
        "11. Termination {#section_sb4_rcr_qfc .section}",
        "12. Trademarks {#section_xlg_tcr_qfc .section}",
        "13. Third-Party Content {#section_fkh_5cr_qfc .section}",
        "14. Data Privacy {#section_kn3_1dr_qfc .section}",
        "15. Digital Millennium Copyright Act of 1998 \\(“DMCA”\\) Policy: {#section_wgc_cdr_qfc .section}",
        "16. Miscellaneous {#section_l4z_cdr_qfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_ESB.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_ESB.md:chunk-1",
      "title": "Surety Bond Industry Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fc5 .concept}",
      "content": "e System that enables a company in the business of issuing surety bonds \\(“a Surety Bond Company”\\) or its authorized agent \\(“a Surety Bond Producer”\\) that has sold a bond to a Regulated Entity to, among other things, electronically issue that bond on the System.\n\nThis Agreement is entered between SRR and You for the sole purpose of granting You limited access to the System, as further described herein, to enable You on the System, among other things, to electronically: issue bonds that You have sold to Regulated Entities, issue changes to such bonds, provide notice of cancellations of such bonds, and to receive claims against a bond from a State Agency. It is expressly understood and agreed that nothing about this Agreement shall permit You to use the System to advertise, solicit, broker, or sell surety bonds or any other product, or to use this System for any other purpose or in any manner inconsistent with this Agreement.\n\n## 2. Definitions \n\nIn addition to any terms defined above, these terms have the following meanings when used in this Agreement:\n\n-   The term “Industry Data” means \\(i\\) the information submitted by a Surety Bond Company or Surety Bond Producer to obtain and subsequently maintain a Surety Bond User Account on the System; and \\(ii\\) surety bonds in the System.\n-   The term “Licensor” as used in this Agreement means a third-party contractor who has granted SRR a license to software applications, materials, content or services used in the System. “Licensor” does not include Regulated Entity.\n-   The term “Regulated Entity” means an individual or company utilizing the System for purposes of applying for or maintaining a license or registration from a State Agency.\n-   The term “Regulated Entity Data” means a limited subset of data in the System that the Regulated Entity agrees to provide You access to when it elects on the System to have You issue an electronic bond. It includes only that data in the Regulated Entity’s System record that is nece",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_ESB.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_ESB.md",
      "headings": [
        "Surety Bond Industry Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fc5 .concept}",
        "1. Agreement {#section_pd5_1qq_qfc .section}",
        "2. Definitions {#section_yp4_dqq_qfc .section}",
        "3. General {#section_jv2_2sq_qfc .section}",
        "4. Industry Data {#section_kgr_rsq_qfc .section}",
        "5. Changes {#section_sbp_fzq_qfc .section}",
        "6. Equipment {#section_mpy_dzq_qfc .section}",
        "8. Disclaimer of Warranty; Limitation of Liability {#section_k3f_kcr_qfc .section}",
        "9. Monitoring {#section_nrc_4dr_qfc .section}",
        "10. Indemnification {#section_in5_pcr_qfc .section}",
        "11. Termination {#section_sb4_rcr_qfc .section}",
        "12. Trademarks {#section_xlg_tcr_qfc .section}",
        "13. Third-Party Content {#section_fkh_5cr_qfc .section}",
        "14. Data Privacy {#section_kn3_1dr_qfc .section}",
        "15. Digital Millennium Copyright Act of 1998 \\(“DMCA”\\) Policy: {#section_wgc_cdr_qfc .section}",
        "16. Miscellaneous {#section_l4z_cdr_qfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_ESB.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_ESB.md:chunk-2",
      "title": "Surety Bond Industry Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fc5 .concept}",
      "content": " the Regulated Entity agrees to provide You access to when it elects on the System to have You issue an electronic bond. It includes only that data in the Regulated Entity’s System record that is necessary for You to complete the information required by the particular surety bond form required by the State Agency. If the particular surety bond form required by the State Agency requires any additional information not included in the System record for that Regulated Entity and the Regulated Entity provides that information to You on the System for that purpose, that additional information is also “Regulated Entity Data.”\n-   The terms “Surety Bond Company,” “Surety Bond Producer,” “You” and “Your” mean you as an individual as well as any corporate or other legal entity on whose behalf you are acting.\n-   The term “Surety Bond User Account”, “Your Account” or “Account” means an account held by a Surety Bond Company or Surety Bond Producer in the System which enables You to conduct the on-System activities contemplated by this Agreement.\n-   The term “System” as used in this Agreement means the Nationwide Mortgage Licensing System and Registry \\(which is also referred to as the Nationwide Multistate Licensing System, the Nationwide Mortgage Licensing System, NMLSR and/or NMLS\\) and any and all examination programs, complaint programs, software applications, materials, content or services accessible thereon as provided by SRR, affiliates of SRR or other third parties.\n-   The term “Third-Party Content Provider” as used in this Agreement means a party other than SRR or State Agency, such as another state regulator, another state licensing agency, a law enforcement agency or a self-regulatory organization, whose information SRR makes available on the System for the purpose of providing useful information. “Third-Party Content Provider” does not include Regulated Entity.\n\n## 3. General \n\n\\(A\\) This Agreement governs the qualifications to obtain an Account and Your use of th",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_ESB.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_ESB.md",
      "headings": [
        "Surety Bond Industry Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fc5 .concept}",
        "1. Agreement {#section_pd5_1qq_qfc .section}",
        "2. Definitions {#section_yp4_dqq_qfc .section}",
        "3. General {#section_jv2_2sq_qfc .section}",
        "4. Industry Data {#section_kgr_rsq_qfc .section}",
        "5. Changes {#section_sbp_fzq_qfc .section}",
        "6. Equipment {#section_mpy_dzq_qfc .section}",
        "8. Disclaimer of Warranty; Limitation of Liability {#section_k3f_kcr_qfc .section}",
        "9. Monitoring {#section_nrc_4dr_qfc .section}",
        "10. Indemnification {#section_in5_pcr_qfc .section}",
        "11. Termination {#section_sb4_rcr_qfc .section}",
        "12. Trademarks {#section_xlg_tcr_qfc .section}",
        "13. Third-Party Content {#section_fkh_5cr_qfc .section}",
        "14. Data Privacy {#section_kn3_1dr_qfc .section}",
        "15. Digital Millennium Copyright Act of 1998 \\(“DMCA”\\) Policy: {#section_wgc_cdr_qfc .section}",
        "16. Miscellaneous {#section_l4z_cdr_qfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_ESB.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_ESB.md:chunk-3",
      "title": "Surety Bond Industry Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fc5 .concept}",
      "content": "providing useful information. “Third-Party Content Provider” does not include Regulated Entity.\n\n## 3. General \n\n\\(A\\) This Agreement governs the qualifications to obtain an Account and Your use of that Account or the use of that Account by others acting on Your behalf. Your use of the System is conditioned upon Your acceptance, without modification, of all provisions of this Agreement. If You are acting as an agent or employee of another entity, You may only agree to this Agreement and establish an account if You have the legal power and authority to bind Your principal or employer, as the case may be. Any information accessed, requested or provided through the System must be accessed, requested and used in accordance with this Agreement. SRR reserves any rights not expressly granted under this Agreement. YOU AGREE THAT THIS AGREEMENT IS ENFORCEABLE LIKE ANY WRITTEN AND FULLY NEGOTIATED AGREEMENT SIGNED BY YOU. IF YOU DO NOT AGREE, DO NOT CLICK “I AGREE” AND DO NOT USE THE SYSTEM.\n\n\\(B\\) Your Account, including Your unique username and password, is not transferable to any person or entity, as the case may be. You are responsible for all use of Your Account \\(under Your unique username and password\\) and for ensuring that all use of Your Account complies fully with this Agreement. The Industry Data you provide to the System and the Regulated Entity Data provided to You through the System may be used only for Your own professional use and in accordance with this Agreement, and only for the following specifically identified purposes:\n\n-   \\(1\\) Submitting a request for an Account or requesting renewal of an existing Account. SRR will determine in its sole discretion the information required to support a request for an Account or for renewal of the Account and will determine in its sole discretion whether or not to approve Your request. At a minimum, You will be required to provide: certain corporate and/or identifying information; evidence of Your on-going authority u",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_ESB.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_ESB.md",
      "headings": [
        "Surety Bond Industry Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fc5 .concept}",
        "1. Agreement {#section_pd5_1qq_qfc .section}",
        "2. Definitions {#section_yp4_dqq_qfc .section}",
        "3. General {#section_jv2_2sq_qfc .section}",
        "4. Industry Data {#section_kgr_rsq_qfc .section}",
        "5. Changes {#section_sbp_fzq_qfc .section}",
        "6. Equipment {#section_mpy_dzq_qfc .section}",
        "8. Disclaimer of Warranty; Limitation of Liability {#section_k3f_kcr_qfc .section}",
        "9. Monitoring {#section_nrc_4dr_qfc .section}",
        "10. Indemnification {#section_in5_pcr_qfc .section}",
        "11. Termination {#section_sb4_rcr_qfc .section}",
        "12. Trademarks {#section_xlg_tcr_qfc .section}",
        "13. Third-Party Content {#section_fkh_5cr_qfc .section}",
        "14. Data Privacy {#section_kn3_1dr_qfc .section}",
        "15. Digital Millennium Copyright Act of 1998 \\(“DMCA”\\) Policy: {#section_wgc_cdr_qfc .section}",
        "16. Miscellaneous {#section_l4z_cdr_qfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_ESB.html",
      "snippet": null
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    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_ESB.md:chunk-4",
      "title": "Surety Bond Industry Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fc5 .concept}",
      "content": "ne in its sole discretion whether or not to approve Your request. At a minimum, You will be required to provide: certain corporate and/or identifying information; evidence of Your on-going authority under applicable state law to conduct Your surety bond business in the jurisdictions specified; Your National Producer Number \\(NPN\\) if applicable or Your National Association of Insurance Commissioner \\(NAIC\\) Company Code; supporting documentation and such other information SRR determines necessary in order to approve your Account request or Account renewal request. If at any time, SRR determines that you no longer meet the qualifications for an approved Account, Your Account will be terminated by SRR and this Agreement will terminate by operation of Section 11 of this Agreement.\n-   \\(2\\) Electronically issuing bonds separately sold to Regulated Entities, issuing changes to such bonds, issuing notices of cancellation of such bonds, and receiving claims against a bond from a State Agency.\n-   \\(3\\) Communicating with SRR, a Regulated Entity, or a State Agency regarding items 1 or 2, above.\n\n\\(C\\) So long as You obtain and maintain an approved Account and so long as You comply with all of the terms and conditions of this Agreement, SRR grants to You a non-exclusive license to access and use the System for the purposes described herein.\n\n\\(D\\) It is Your responsibility to manage Your Account and to ensure that all information necessary to obtain and to maintain the Account is kept current and accurate, and that all deadlines are met. It is Your responsibility to know and follow the policies and applicable laws of each state in which You choose to offer surety bonds. SRR will not be responsible for the accuracy or content of any information You submit, nor for the use of Your information by any Regulated Entity or State Agency, whether or not the System facilitates the transmission of such information. SRR is not obligated to release to You or any other party any informa",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_ESB.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_ESB.md",
      "headings": [
        "Surety Bond Industry Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fc5 .concept}",
        "1. Agreement {#section_pd5_1qq_qfc .section}",
        "2. Definitions {#section_yp4_dqq_qfc .section}",
        "3. General {#section_jv2_2sq_qfc .section}",
        "4. Industry Data {#section_kgr_rsq_qfc .section}",
        "5. Changes {#section_sbp_fzq_qfc .section}",
        "6. Equipment {#section_mpy_dzq_qfc .section}",
        "8. Disclaimer of Warranty; Limitation of Liability {#section_k3f_kcr_qfc .section}",
        "9. Monitoring {#section_nrc_4dr_qfc .section}",
        "10. Indemnification {#section_in5_pcr_qfc .section}",
        "11. Termination {#section_sb4_rcr_qfc .section}",
        "12. Trademarks {#section_xlg_tcr_qfc .section}",
        "13. Third-Party Content {#section_fkh_5cr_qfc .section}",
        "14. Data Privacy {#section_kn3_1dr_qfc .section}",
        "15. Digital Millennium Copyright Act of 1998 \\(“DMCA”\\) Policy: {#section_wgc_cdr_qfc .section}",
        "16. Miscellaneous {#section_l4z_cdr_qfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_ESB.html",
      "snippet": null
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    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_ESB.md:chunk-5",
      "title": "Surety Bond Industry Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fc5 .concept}",
      "content": "r information by any Regulated Entity or State Agency, whether or not the System facilitates the transmission of such information. SRR is not obligated to release to You or any other party any information in the System except that identified as Regulated Entity data.\n\n\\(E\\) You expressly acknowledge and agree that:\n\n-   \\(1\\) SRR is providing a service for You;\n-   \\(2\\) SRR’s role in the collection and maintenance of information through the System does not mean that SRR is Your agent;\n-   \\(3\\) SRR does not have any responsibility for such information or any use thereof by You or the Regulated Entities or the State Agencies other than as expressly set out in this Agreement;\n-   \\(4\\) SRR is not the issuer of any bond hereunder;\n-   \\(5\\) SRR is not liable for any decision by a Regulated Entity to conduct business or not conduct business with You or the decision of any State Agency to file any claim against a bond You issued;\n-   \\(6\\) SRR is not liable for any representations made by You to a Regulated Entity or to a State Agency or on any bond issued or sold by You and held in the System; and\n-   \\(7\\) You are solely responsible for the content of any such bond and that bond’s compliance with State Agency requirements.\n\n\\(F\\) The System is operated within the United States of America. SRR makes no representation that the System is appropriate for use at locations outside the United States. Access to the System from jurisdictions where the System is illegal is prohibited. If You access the System from a location outside the United States, You are responsible for compliance with all local laws.\n\n\\(G\\) SRR makes no guaranty regarding the future participation of any State Agency or federal agency in the System and makes no guaranty that Regulated Entities will purchase any of Your products.\n\n\\(H\\) You are responsible for protecting the confidentiality of login credentials \\(including without limitation usernames and passwords\\). Each individual accessing the System mu",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_ESB.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_ESB.md",
      "headings": [
        "Surety Bond Industry Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fc5 .concept}",
        "1. Agreement {#section_pd5_1qq_qfc .section}",
        "2. Definitions {#section_yp4_dqq_qfc .section}",
        "3. General {#section_jv2_2sq_qfc .section}",
        "4. Industry Data {#section_kgr_rsq_qfc .section}",
        "5. Changes {#section_sbp_fzq_qfc .section}",
        "6. Equipment {#section_mpy_dzq_qfc .section}",
        "8. Disclaimer of Warranty; Limitation of Liability {#section_k3f_kcr_qfc .section}",
        "9. Monitoring {#section_nrc_4dr_qfc .section}",
        "10. Indemnification {#section_in5_pcr_qfc .section}",
        "11. Termination {#section_sb4_rcr_qfc .section}",
        "12. Trademarks {#section_xlg_tcr_qfc .section}",
        "13. Third-Party Content {#section_fkh_5cr_qfc .section}",
        "14. Data Privacy {#section_kn3_1dr_qfc .section}",
        "15. Digital Millennium Copyright Act of 1998 \\(“DMCA”\\) Policy: {#section_wgc_cdr_qfc .section}",
        "16. Miscellaneous {#section_l4z_cdr_qfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_ESB.html",
      "snippet": null
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    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_ESB.md:chunk-6",
      "title": "Surety Bond Industry Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fc5 .concept}",
      "content": "y of Your products.\n\n\\(H\\) You are responsible for protecting the confidentiality of login credentials \\(including without limitation usernames and passwords\\). Each individual accessing the System must do so with unique login credentials that can be used only by that individual. You agree to notify SRR immediately if You become aware of the loss, theft or unauthorized use of Your username or password, or any unauthorized access to or use of the System or any information submitted to, contained in or downloaded from the System, or provided to You by SRR.\n\n\\(I\\) To the extent that the U.S. government or U.S. government agencies are end users hereunder, you acknowledge and agree that all products, material, software, documentation, and publications provided or licensed hereunder are provided as “commercial computer software” if computer software and “commercial computer software documentation” if technical data, as those terms are used in Section 12.211 and 12.212 of the Federal Acquisition Regulation \\(FAR\\), or, if applicable, in Section 227.7202-3 of the Defense Federal Acquisition Regulation Supplement \\(DFARS\\), and that the government shall acquire only those rights in such technical data and/or computer software as are customarily applicable for commercial items. Except as expressly set forth to the contrary herein, computer software acquired hereunder further constitutes “restricted computer software” as that term is defined in FAR Section 52.227-14\n\n## 4. Industry Data \n\n\\(A\\) For purposes of this Agreement, Industry Data that You submit or release to the SRR to request or maintain an account will be considered to be under Your control. You have an obligation to update Your Industry Data immediately on the occurrence of any event that renders Your Industry Data in the System incorrect for any reason.\n\n\\(B\\) After expiration or termination of your Account for any reason, SRR will continue to have access to Your Industry Data. SRR’s use of Your Industry Data is",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_ESB.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_ESB.md",
      "headings": [
        "Surety Bond Industry Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fc5 .concept}",
        "1. Agreement {#section_pd5_1qq_qfc .section}",
        "2. Definitions {#section_yp4_dqq_qfc .section}",
        "3. General {#section_jv2_2sq_qfc .section}",
        "4. Industry Data {#section_kgr_rsq_qfc .section}",
        "5. Changes {#section_sbp_fzq_qfc .section}",
        "6. Equipment {#section_mpy_dzq_qfc .section}",
        "8. Disclaimer of Warranty; Limitation of Liability {#section_k3f_kcr_qfc .section}",
        "9. Monitoring {#section_nrc_4dr_qfc .section}",
        "10. Indemnification {#section_in5_pcr_qfc .section}",
        "11. Termination {#section_sb4_rcr_qfc .section}",
        "12. Trademarks {#section_xlg_tcr_qfc .section}",
        "13. Third-Party Content {#section_fkh_5cr_qfc .section}",
        "14. Data Privacy {#section_kn3_1dr_qfc .section}",
        "15. Digital Millennium Copyright Act of 1998 \\(“DMCA”\\) Policy: {#section_wgc_cdr_qfc .section}",
        "16. Miscellaneous {#section_l4z_cdr_qfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_ESB.html",
      "snippet": null
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    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_ESB.md:chunk-7",
      "title": "Surety Bond Industry Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fc5 .concept}",
      "content": "n the System incorrect for any reason.\n\n\\(B\\) After expiration or termination of your Account for any reason, SRR will continue to have access to Your Industry Data. SRR’s use of Your Industry Data is limited and restricted to such purposes as set forth in this agreement and may not be shared with any non-regulatory parties.\n\n\\(C\\) Every State Agency participating in the System will have access to a subset of Your Industry Data.\n\n\\(D\\) SRR will retain Your Industry Data in the System for a minimum of five \\(5\\) years after such time that Your account with NMLS is terminated or expired. You acknowledge andagree that You may have different retention requirements under the laws of the states that you are regulated in and that You bear sole responsibility for these requirements. In the event You determine that Your Industry Data needs to be retained longer than the time period stated above, SRR shall, upon request, provide You copies of Your Industry Data if available in the System.\n\n\\(E\\) SRR may collect and manipulate Your Industry Data for the purpose of disseminating aggregated data on a state, regional or national level. Your Industry Data may be checked against other state and federal regulatory agency databases, the Social Security Administration or financial services or insurance industry self-regulatory organization or commercial databases, and Your Industry Data may be shared with relevant State Agencies and/or federal agencies and financial services or insurance industry self-regulatory organizations. You grant SRR the right to use Your contact information from time to time for the purposes of issuing communications concerning the System to You. You grant the State Agencies and Regulated Entities the right to use Your contact information in order to communicate with You.\n\n\\(F\\) You acknowledge and agree that certain of Your Industry Data submitted through the System may be accessed by interested Regulated Entities and State Agencies. Such data includes but is",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_ESB.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_ESB.md",
      "headings": [
        "Surety Bond Industry Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fc5 .concept}",
        "1. Agreement {#section_pd5_1qq_qfc .section}",
        "2. Definitions {#section_yp4_dqq_qfc .section}",
        "3. General {#section_jv2_2sq_qfc .section}",
        "4. Industry Data {#section_kgr_rsq_qfc .section}",
        "5. Changes {#section_sbp_fzq_qfc .section}",
        "6. Equipment {#section_mpy_dzq_qfc .section}",
        "8. Disclaimer of Warranty; Limitation of Liability {#section_k3f_kcr_qfc .section}",
        "9. Monitoring {#section_nrc_4dr_qfc .section}",
        "10. Indemnification {#section_in5_pcr_qfc .section}",
        "11. Termination {#section_sb4_rcr_qfc .section}",
        "12. Trademarks {#section_xlg_tcr_qfc .section}",
        "13. Third-Party Content {#section_fkh_5cr_qfc .section}",
        "14. Data Privacy {#section_kn3_1dr_qfc .section}",
        "15. Digital Millennium Copyright Act of 1998 \\(“DMCA”\\) Policy: {#section_wgc_cdr_qfc .section}",
        "16. Miscellaneous {#section_l4z_cdr_qfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_ESB.html",
      "snippet": null
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    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_ESB.md:chunk-8",
      "title": "Surety Bond Industry Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fc5 .concept}",
      "content": "ith You.\n\n\\(F\\) You acknowledge and agree that certain of Your Industry Data submitted through the System may be accessed by interested Regulated Entities and State Agencies. Such data includes but is not limited to:\n\n-   Legal Entity Identifiers such as a NPN or NAIC number;\n-   State authorizations and bonding limits\n-   Business phone\n-   Business fax\n-   Business e-mail address\n-   Subsidiaries listed in the System\n-   Affiliates listed in the System\n-   Associations/Appointments between Surety Bond Companies and Surety Bond Producers\\(view limited to State Agencies\\)\n-   Supporting documentation \\(view limited to State Agencies\\)\n\n\\(G\\) SRR has no obligation with respect to any third party’s use of data accessed through the System. SRR, or a State Agency accessing Your Industry Data may disclose Your Industry Data in response to a request by law enforcement or by a legally sanctioned investigatory authority or otherwise through legal process or under law.\n\n\\(H\\) You acknowledge that by requesting an Account, subsets of Your Industry Data may become viewable to other Surety Bond Companies or Surety Bond Producers but only tothe extent You may have established a relationship on the System.\n\n## 5. Changes \n\n\\(A\\) SRR reserves the right to change this Agreement and other guidelines or rules posted on the System \\(including the System Privacy Notice\\) from time to time at its sole discretion. SRR will provide notice of material changes to this Agreement at the resource center and will send an e-mail to You notifying of such changes. The most current form of these terms will be available at NMLS System Policies and Terms of Use. Your access and/or use of the System constitutes Your acknowledgement and acceptance of the terms of this Agreement as they may exist at the time of such access and/or use. You should periodically check the **Surety Bond Industry Terms of Use** link on the home or login page to view the then-current terms. SRR does not accept or advocate alte",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_ESB.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_ESB.md",
      "headings": [
        "Surety Bond Industry Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fc5 .concept}",
        "1. Agreement {#section_pd5_1qq_qfc .section}",
        "2. Definitions {#section_yp4_dqq_qfc .section}",
        "3. General {#section_jv2_2sq_qfc .section}",
        "4. Industry Data {#section_kgr_rsq_qfc .section}",
        "5. Changes {#section_sbp_fzq_qfc .section}",
        "6. Equipment {#section_mpy_dzq_qfc .section}",
        "8. Disclaimer of Warranty; Limitation of Liability {#section_k3f_kcr_qfc .section}",
        "9. Monitoring {#section_nrc_4dr_qfc .section}",
        "10. Indemnification {#section_in5_pcr_qfc .section}",
        "11. Termination {#section_sb4_rcr_qfc .section}",
        "12. Trademarks {#section_xlg_tcr_qfc .section}",
        "13. Third-Party Content {#section_fkh_5cr_qfc .section}",
        "14. Data Privacy {#section_kn3_1dr_qfc .section}",
        "15. Digital Millennium Copyright Act of 1998 \\(“DMCA”\\) Policy: {#section_wgc_cdr_qfc .section}",
        "16. Miscellaneous {#section_l4z_cdr_qfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_ESB.html",
      "snippet": null
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    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_ESB.md:chunk-9",
      "title": "Surety Bond Industry Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fc5 .concept}",
      "content": "e of such access and/or use. You should periodically check the **Surety Bond Industry Terms of Use** link on the home or login page to view the then-current terms. SRR does not accept or advocate alternative means of accessing or logging into the System; if You do access or log-into the System from a means other than the login page and method provided by SRR, You may be at risk of not receiving periodic notices that are made available by SRR to System users on \\(or associated with\\) the SRR-provided login page and method \\(e.g., notices of a change to the terms of this Agreement\\). If You nonetheless use such an alternative means of accessing or logging into the System, then such access and/or use of the System constitutes Your acknowledgement and acceptance of the terms of this Agreement as they may exist at the time of such access or use.\n\n\\(B\\) SRR has the right at any time without notice or obligation to You to change or discontinue any aspect or feature of the System, including, but not limited to, functionality, content, hours of availability, and equipment needed for access or use.\n\n\\(C\\) This Agreement may only be altered or amended in writing by SRR.\n\n## 6. Equipment \n\nYou are responsible for obtaining and maintaining all equipment required for access to and use of the System and all charges and costs related thereto. These equipment requirements are published on the Schedule of System Requirements \\(accessible at Technical Requirements\\) and may be amended from time to time.\n\n7. Your Conduct\n\n\\(A\\) You may use the System for lawful purposes only. You may not post or transmit through the System any material that violates or infringes in any way upon the rights of others, that is unlawful, threatening, abusive, defamatory, invasive of privacy or publicity rights, vulgar, obscene, profane or otherwise objectionable, that encourages conduct that would constitute a criminal offense, give rise to civil liability to SRR or otherwise violate any law, or that, with",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_ESB.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_ESB.md",
      "headings": [
        "Surety Bond Industry Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fc5 .concept}",
        "1. Agreement {#section_pd5_1qq_qfc .section}",
        "2. Definitions {#section_yp4_dqq_qfc .section}",
        "3. General {#section_jv2_2sq_qfc .section}",
        "4. Industry Data {#section_kgr_rsq_qfc .section}",
        "5. Changes {#section_sbp_fzq_qfc .section}",
        "6. Equipment {#section_mpy_dzq_qfc .section}",
        "8. Disclaimer of Warranty; Limitation of Liability {#section_k3f_kcr_qfc .section}",
        "9. Monitoring {#section_nrc_4dr_qfc .section}",
        "10. Indemnification {#section_in5_pcr_qfc .section}",
        "11. Termination {#section_sb4_rcr_qfc .section}",
        "12. Trademarks {#section_xlg_tcr_qfc .section}",
        "13. Third-Party Content {#section_fkh_5cr_qfc .section}",
        "14. Data Privacy {#section_kn3_1dr_qfc .section}",
        "15. Digital Millennium Copyright Act of 1998 \\(“DMCA”\\) Policy: {#section_wgc_cdr_qfc .section}",
        "16. Miscellaneous {#section_l4z_cdr_qfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_ESB.html",
      "snippet": null
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      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_ESB.md:chunk-10",
      "title": "Surety Bond Industry Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fc5 .concept}",
      "content": ", vulgar, obscene, profane or otherwise objectionable, that encourages conduct that would constitute a criminal offense, give rise to civil liability to SRR or otherwise violate any law, or that, without SRR’s express prior written approval, contains advertising or any solicitation with respect to products or services. Any conduct by You that, in SRR’s sole determination, restricts or inhibits any other person from using or enjoying the System will not be permitted. Unless otherwise specifically set forth herein, You may not use the System, or the content contained therein or obtained therefrom, to advertise or perform any commercial solicitation. You agree that You will not use content of any kind retrieved from the System to develop or create a database to be sold, leased, furnished, licensed or made otherwise available \\(either commercially or free of charge\\). You agree that You will not use, or allow others to use, any data mining, robots, or similar data- gathering and extraction methods to monitor or copy the System in bulk, or to make voluminous, excessive or repetitive requests for information. You further agree that You will not use any device, software or routine to bypass any software or hardware that prohibits volume requests for information, You will not interfere with or attempt to interfere with the proper working of the System, and You will not take any action that imposes an unreasonable or disproportionately large load on the System.\n\n\\(B\\) The System contains copyrighted material, trademarks and other proprietary information. SRR, the relevant State Agencies and federal agencies or SRR’s Licensors own all copyright in the selection, coordination, arrangement and enhancement of such information and data, as well as in some or all of the content original to it. The System contains links to and accesses proprietary databases of SRR and third parties and employs proprietary software of SRR and third parties. The System, and all parts thereof, are cre",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_ESB.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_ESB.md",
      "headings": [
        "Surety Bond Industry Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fc5 .concept}",
        "1. Agreement {#section_pd5_1qq_qfc .section}",
        "2. Definitions {#section_yp4_dqq_qfc .section}",
        "3. General {#section_jv2_2sq_qfc .section}",
        "4. Industry Data {#section_kgr_rsq_qfc .section}",
        "5. Changes {#section_sbp_fzq_qfc .section}",
        "6. Equipment {#section_mpy_dzq_qfc .section}",
        "8. Disclaimer of Warranty; Limitation of Liability {#section_k3f_kcr_qfc .section}",
        "9. Monitoring {#section_nrc_4dr_qfc .section}",
        "10. Indemnification {#section_in5_pcr_qfc .section}",
        "11. Termination {#section_sb4_rcr_qfc .section}",
        "12. Trademarks {#section_xlg_tcr_qfc .section}",
        "13. Third-Party Content {#section_fkh_5cr_qfc .section}",
        "14. Data Privacy {#section_kn3_1dr_qfc .section}",
        "15. Digital Millennium Copyright Act of 1998 \\(“DMCA”\\) Policy: {#section_wgc_cdr_qfc .section}",
        "16. Miscellaneous {#section_l4z_cdr_qfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_ESB.html",
      "snippet": null
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      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_ESB.md:chunk-11",
      "title": "Surety Bond Industry Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fc5 .concept}",
      "content": "al to it. The System contains links to and accesses proprietary databases of SRR and third parties and employs proprietary software of SRR and third parties. The System, and all parts thereof, are created by or on behalf of SRR, the State Agencies and/or the federal agencies. You may not modify, publish, transmit, participate in the transfer or sale, create derivative works, or in any way exploit, any of the software applications, materials or services hosted on or obtained from the System, in whole or in part. You may download content from the System, the State Agencies and/or the federal agencies for Your personal and professional use only and only to the extent permitted by this Agreement. Any information or content You download from the System or receive from SRR must be protected using the appropriate security measures and may not be retained longer than necessary to achieve the purposes outlined in herein. Except as otherwise expressly permitted by law, no copying, redistribution, retransmission, publication or commercial exploitation of downloaded material will be permitted without the express written permission of SRR and, if applicable, the owner of any proprietary rights in such material. In the event of any permitted copying, redistribution or publication of content obtained from the System, no changes in or deletion of author attribution, trademark legend or copyright notice may be made. You acknowledge that You do not acquire any ownership rights by downloading material from the System.\n\n\\(C\\) You may not upload, post or otherwise make available on the System any material protected by copyright, trademark or other proprietary right without the express written permission of the owner of the copyright, trademark or other proprietary right and the burden of determining that any material is not protected by law rests with You. You will be solely liable for any damage resulting from any infringement of copyrights, proprietary rights, or any other harm result",
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      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_ESB.md",
      "headings": [
        "Surety Bond Industry Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fc5 .concept}",
        "1. Agreement {#section_pd5_1qq_qfc .section}",
        "2. Definitions {#section_yp4_dqq_qfc .section}",
        "3. General {#section_jv2_2sq_qfc .section}",
        "4. Industry Data {#section_kgr_rsq_qfc .section}",
        "5. Changes {#section_sbp_fzq_qfc .section}",
        "6. Equipment {#section_mpy_dzq_qfc .section}",
        "8. Disclaimer of Warranty; Limitation of Liability {#section_k3f_kcr_qfc .section}",
        "9. Monitoring {#section_nrc_4dr_qfc .section}",
        "10. Indemnification {#section_in5_pcr_qfc .section}",
        "11. Termination {#section_sb4_rcr_qfc .section}",
        "12. Trademarks {#section_xlg_tcr_qfc .section}",
        "13. Third-Party Content {#section_fkh_5cr_qfc .section}",
        "14. Data Privacy {#section_kn3_1dr_qfc .section}",
        "15. Digital Millennium Copyright Act of 1998 \\(“DMCA”\\) Policy: {#section_wgc_cdr_qfc .section}",
        "16. Miscellaneous {#section_l4z_cdr_qfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_ESB.html",
      "snippet": null
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    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_ESB.md:chunk-12",
      "title": "Surety Bond Industry Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fc5 .concept}",
      "content": "termining that any material is not protected by law rests with You. You will be solely liable for any damage resulting from any infringement of copyrights, proprietary rights, or any other harm resulting from such a submission. By submitting material to the System, You automatically grant to, or warrant that the owner of such material has expressly granted, SRR a royalty-free, perpetual, irrevocable, non-exclusive, unlimited right and license to use, reproduce, modify, adapt, publish, translate and distribute such material \\(in whole or in part\\) worldwide and/or to incorporate it in other works in any form, media or technology now known or hereafter developed for the full term of any copyright or other right that may exist in such material. You hereby grant SRR the rights to edit, copy, publish and distribute any material made available on the System by You. This paragraph does not apply to specific surety bond information.\n\n\\(D\\) The foregoing provisions of Section 7 are for the benefit of SRR, its affiliates and its Third- Party Content Providers and Licensors and the State Agencies and federal agencies participating in the System, and each will have the right to assert and enforce such provisions directly or on its own behalf.\n\n## 8. Disclaimer of Warranty; Limitation of Liability \n\n\\(A\\) USE OF THE SYSTEM IS AT YOUR SOLE RISK. SRR, ITS AFFILIATES, THIRD- PARTY CONTENT PROVIDERS, LICENSORS AND THE STATE AGENCIES AND FEDERAL AGENCIES PARTICIPATING IN THE SYSTEM AND THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES AND AGENTS MAKE NO WARRANTY \\(i\\) THAT THE SYSTEM WILL BE UNINTERRUPTED OR ERROR-FREE; \\(ii\\) AS TO THE RESULTS THAT MAY BE OBTAINED FROM USE OF THE SYSTEM OR \\(iii\\) AS TO THE ACCURACY, RELIABILITY OR CONTENT OF ANY INFORMATION, SERVICE, OR MATERIALS PROVIDED THROUGH THE SYSTEM.\n\n\\(B\\) THE SYSTEM IS PROVIDED “AS IS” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF TITLE OR IMPLIED WARRANTIES OF MERC",
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      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_ESB.md",
      "headings": [
        "Surety Bond Industry Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fc5 .concept}",
        "1. Agreement {#section_pd5_1qq_qfc .section}",
        "2. Definitions {#section_yp4_dqq_qfc .section}",
        "3. General {#section_jv2_2sq_qfc .section}",
        "4. Industry Data {#section_kgr_rsq_qfc .section}",
        "5. Changes {#section_sbp_fzq_qfc .section}",
        "6. Equipment {#section_mpy_dzq_qfc .section}",
        "8. Disclaimer of Warranty; Limitation of Liability {#section_k3f_kcr_qfc .section}",
        "9. Monitoring {#section_nrc_4dr_qfc .section}",
        "10. Indemnification {#section_in5_pcr_qfc .section}",
        "11. Termination {#section_sb4_rcr_qfc .section}",
        "12. Trademarks {#section_xlg_tcr_qfc .section}",
        "13. Third-Party Content {#section_fkh_5cr_qfc .section}",
        "14. Data Privacy {#section_kn3_1dr_qfc .section}",
        "15. Digital Millennium Copyright Act of 1998 \\(“DMCA”\\) Policy: {#section_wgc_cdr_qfc .section}",
        "16. Miscellaneous {#section_l4z_cdr_qfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_ESB.html",
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      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_ESB.md:chunk-13",
      "title": "Surety Bond Industry Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fc5 .concept}",
      "content": "D THROUGH THE SYSTEM.\n\n\\(B\\) THE SYSTEM IS PROVIDED “AS IS” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF TITLE OR IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, OTHER THAN THOSE WARRANTIES THAT ARE IMPLIED BY AND INCAPABLE OF EXCLUSION, RESTRICTION OR MODIFICATION BY VIRTUE OF THE LAWS APPLICABLE TO THIS AGREEMENT.\n\n\\(C\\) THIS DISCLAIMER OF LIABILITY APPLIES TO ANY DAMAGES OR INJURY CAUSED BY ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS, COMMUNICATION LINE FAILURE, THEFT OR DESTRUCTION OR UNAUTHORIZED ACCESS TO, ALTERATION OF, OR USE OF RECORD, WHETHER FOR BREACH OF CONTRACT, TORTIOUS BEHAVIOR, NEGLIGENCE, OR UNDER ANY OTHER CAUSE OF ACTION. YOU SPECIFICALLY ACKNOWLEDGE THAT SRR, ITS AFFILIATES, THIRD-PARTY CONTENT PROVIDERS, LICENSORS AND THE STATE AGENCIES AND FEDERAL AGENCIES PARTICIPATING IN THE SYSTEM AND THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES AND AGENTS ARE NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE OR ILLEGAL CONDUCT OF OTHER SURETY BOND COMPANIES OR SURETY BOND PRODUCERS OR ANYONE ELSE AND THAT THE RISK OF INJURY FROM THE FOREGOING RESTS ENTIRELY WITH YOU. HOWEVER, SRR WILL, AT ITS OWN DISCRETION, TAKE APPROPRIATE ACTIONS AGAINST SUCH SURETY BOND COMPANY OR SURETY BOND PRODUCER UPON BECOMING AWARE OF SUCH DEFAMATORY, OFFENSIVE OR ILLEGLAL CONDUCT.\n\n\\(D\\) IN NO EVENT WILL SRR, ITS AFFILIATES, THIRD-PARTY CONTENT PROVIDERS, LICENSORS AND THE STATE AGENCIES AND FEDERAL AGENCIES PARTICIPATING IN THE SYSTEM AND THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES AND AGENTS, OR ANY PERSON OR ENTITY INVOLVED IN CREATING, PRODUCING OR DISTRIBUTING THE SYSTEM OR SOFTWARE UNDERLYING THE SYSTEM BE LIABLE FOR ANY DAMAGES, INCLUDING, WITHOUT LIMITATION, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES ARISING OUT OF THE USE OF OR INABILITY TO USE THE SYSTEM. YOU HEREBY ACKNOW",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_ESB.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_ESB.md",
      "headings": [
        "Surety Bond Industry Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fc5 .concept}",
        "1. Agreement {#section_pd5_1qq_qfc .section}",
        "2. Definitions {#section_yp4_dqq_qfc .section}",
        "3. General {#section_jv2_2sq_qfc .section}",
        "4. Industry Data {#section_kgr_rsq_qfc .section}",
        "5. Changes {#section_sbp_fzq_qfc .section}",
        "6. Equipment {#section_mpy_dzq_qfc .section}",
        "8. Disclaimer of Warranty; Limitation of Liability {#section_k3f_kcr_qfc .section}",
        "9. Monitoring {#section_nrc_4dr_qfc .section}",
        "10. Indemnification {#section_in5_pcr_qfc .section}",
        "11. Termination {#section_sb4_rcr_qfc .section}",
        "12. Trademarks {#section_xlg_tcr_qfc .section}",
        "13. Third-Party Content {#section_fkh_5cr_qfc .section}",
        "14. Data Privacy {#section_kn3_1dr_qfc .section}",
        "15. Digital Millennium Copyright Act of 1998 \\(“DMCA”\\) Policy: {#section_wgc_cdr_qfc .section}",
        "16. Miscellaneous {#section_l4z_cdr_qfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_ESB.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_ESB.md:chunk-14",
      "title": "Surety Bond Industry Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fc5 .concept}",
      "content": "BLE FOR ANY DAMAGES, INCLUDING, WITHOUT LIMITATION, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES ARISING OUT OF THE USE OF OR INABILITY TO USE THE SYSTEM. YOU HEREBY ACKNOWLEDGE THAT THE PROVISIONS OF THIS SECTION APPLY TO ALL CONTENT ON, AND SERVICES PROVIDED THROUGH THE SYSTEM. IN ADDITION TO THE TERMS SET FORTH ABOVE, SRR, ITS AFFILIATES, THIRD- PARTY CONTENT PROVIDERS, LICENSORS AND THE STATE AGENCIES AND FEDERAL AGENCIES PARTICIPATING IN THE SYSTEM AND THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES AND AGENTS WILL NOT BE LIABLE, REGARDLESS OF THE CAUSE OR DURATION, FOR ANY ERRORS, INACCURACIES, OMISSIONS, OR OTHER DEFECTS IN, OR UNTIMELINESS OR UNAUTHENTICITY OF, THE INFORMATION CONTAINED WITHIN THE SYSTEM, OR FOR ANY DELAY OR INTERRUPTION IN THE TRANSMISSION THEREOF TO YOU, OR FOR ANY CLAIMS OR LOSSES ARISING THEREFROM OR OCCASIONED THEREBY OR FOR ANY DISCIPLINARY OR REGULATORY ACTION TAKEN THEREUPON. SRR, ITS AFFILIATES, THIRD-PARTY CONTENT PROVIDERS, LICENSORS AND THE STATE AGENCIES AND FEDERAL AGENCIES PARTICIPATING IN NMLS AND THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES AND AGENTS WILL NOT BE LIABLE FOR ANY THIRD-PARTY CLAIMS OR LOSSES OF ANY NATURE, INCLUDING, BUT NOT LIMITED TO, LOST PROFITS, PUNITIVE OR CONSEQUENTIAL DAMAGES. SRR, ITS AFFILIATES, THIRD-PARTY CONTENT PROVIDERS, LICENSORS AND THE STATE AGENCIES AND FEDERAL AGENCIES PARTICIPATING IN THE SYSTEM AND THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES AND AGENTS DO NOT WARRANT OR GUARANTEE THE TIMELINESS, SEQUENCE, ACCURACY OR COMPLETENESS OF INFORMATION AVAILABLE THROUGH THE SYSTEM.\n\n\\(E\\) The foregoing provisions of Section 8 are for the benefit of SRR, its affiliates and its Third Party Content Providers and Licensors and the State Agencies and federal agencies participating in the System, and each will have the right to assert and enforce such provisions directly or on its own behalf.\n\n## 9. Monitoring \n\nSRR has the right, but not the obligation, to monitor th",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_ESB.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_ESB.md",
      "headings": [
        "Surety Bond Industry Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fc5 .concept}",
        "1. Agreement {#section_pd5_1qq_qfc .section}",
        "2. Definitions {#section_yp4_dqq_qfc .section}",
        "3. General {#section_jv2_2sq_qfc .section}",
        "4. Industry Data {#section_kgr_rsq_qfc .section}",
        "5. Changes {#section_sbp_fzq_qfc .section}",
        "6. Equipment {#section_mpy_dzq_qfc .section}",
        "8. Disclaimer of Warranty; Limitation of Liability {#section_k3f_kcr_qfc .section}",
        "9. Monitoring {#section_nrc_4dr_qfc .section}",
        "10. Indemnification {#section_in5_pcr_qfc .section}",
        "11. Termination {#section_sb4_rcr_qfc .section}",
        "12. Trademarks {#section_xlg_tcr_qfc .section}",
        "13. Third-Party Content {#section_fkh_5cr_qfc .section}",
        "14. Data Privacy {#section_kn3_1dr_qfc .section}",
        "15. Digital Millennium Copyright Act of 1998 \\(“DMCA”\\) Policy: {#section_wgc_cdr_qfc .section}",
        "16. Miscellaneous {#section_l4z_cdr_qfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_ESB.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_ESB.md:chunk-15",
      "title": "Surety Bond Industry Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fc5 .concept}",
      "content": "ticipating in the System, and each will have the right to assert and enforce such provisions directly or on its own behalf.\n\n## 9. Monitoring \n\nSRR has the right, but not the obligation, to monitor the content of the System, including chat rooms and forums, to determine compliance with this Agreement and any other rules established by SRR and to satisfy any law, statutes, regulation rules, guidelines or authorized government request. SRR has the right in its sole discretion to edit, refuse to post or remove any material submitted to or posted on the System. Without limiting the foregoing, SRR has the right to remove any material that SRR, in its sole discretion, finds to be in violation of this Agreement.\n\n## 10. Indemnification \n\nYou agree to defend, indemnify and hold harmless SRR, its affiliates, Third-Party Content Providers, Licensors and the State Agencies and federal agencies participating in the System and their respective directors, officers, employees and agents from and against all claims, fees, costs and expenses, including attorneys’ fees, arising out of or in connection with Your Account or Your use of the System.\n\n## 11. Termination \n\nSRR has the right to immediately terminate Your Account in the event You fail to meet or maintain the required qualifications for an approved Account, for any conduct by You which SRR, in its sole determination, considers to be unacceptable, or in the event of any breach by You of this Agreement. The provisions of Sections 3, 4, 7, 8, 10, 14 and this Section 11 will survive such termination. If You breach any of the terms of this Agreement or fail to pay any fees required for the services provided under this Agreement, SRR may disable Your Account, pursue collections actions, and/or terminate or temporarily suspend Your access to, participation in and use of the System and require You to immediately destroy any materials downloaded or printed from the System in violation of this Agreement.\n\n## 12. Trademarks \n\n“SRR”, “NM",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_ESB.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_ESB.md",
      "headings": [
        "Surety Bond Industry Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fc5 .concept}",
        "1. Agreement {#section_pd5_1qq_qfc .section}",
        "2. Definitions {#section_yp4_dqq_qfc .section}",
        "3. General {#section_jv2_2sq_qfc .section}",
        "4. Industry Data {#section_kgr_rsq_qfc .section}",
        "5. Changes {#section_sbp_fzq_qfc .section}",
        "6. Equipment {#section_mpy_dzq_qfc .section}",
        "8. Disclaimer of Warranty; Limitation of Liability {#section_k3f_kcr_qfc .section}",
        "9. Monitoring {#section_nrc_4dr_qfc .section}",
        "10. Indemnification {#section_in5_pcr_qfc .section}",
        "11. Termination {#section_sb4_rcr_qfc .section}",
        "12. Trademarks {#section_xlg_tcr_qfc .section}",
        "13. Third-Party Content {#section_fkh_5cr_qfc .section}",
        "14. Data Privacy {#section_kn3_1dr_qfc .section}",
        "15. Digital Millennium Copyright Act of 1998 \\(“DMCA”\\) Policy: {#section_wgc_cdr_qfc .section}",
        "16. Miscellaneous {#section_l4z_cdr_qfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_ESB.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_ESB.md:chunk-16",
      "title": "Surety Bond Industry Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fc5 .concept}",
      "content": "ss to, participation in and use of the System and require You to immediately destroy any materials downloaded or printed from the System in violation of this Agreement.\n\n## 12. Trademarks \n\n“SRR”, “NMLS”, “Nationwide Mortgage Licensing System”, “Nationwide Multistate Licensing System” and “Nationwide Mortgage Licensing System and Registry” and associated logos are trademarks and/or service marks of SRR. All rights reserved.\n\n## 13. Third-Party Content \n\n\\(A\\) Use of some third-party materials included on the System may be subject to other terms and conditions typically found in a separate license agreement or “Read Me” file located near such materials. SRR is a distributor \\(and not a publisher\\) of content supplied by third-party content providers and You. Accordingly, SRR has no more editorial control over such content than does a public library, bookstore, or newsstand. Any opinions, advice, statements, services, offers, or other information or content expressed or made available by third parties, including information providers, You, or any other user of the System are those of the respective author\\(s\\) or distributor\\(s\\) and not of SRR. Neither SRR nor any Third-Party Content Provider guarantees the accuracy, completeness, or usefulness of any content, nor its merchantability or fitness for any particular purpose. \\(Refer to 8. Disclaimer of Warranty; Limitation of Liability above for the complete provisions governing limitation of liabilities and disclaimers of warranty.\\)\n\n\\(B\\) In many instances, the information available through the System represents the opinions and judgments of the respective Third-Party Content Provider, You, or other users not under contract with SRR. SRR neither endorses nor is responsible for the accuracy or reliability of any opinion, advice or statement made on the System or the software applications, content or services accessible through the System. Under no circumstances will SRR, its affiliates, Third Party Content Providers, ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_ESB.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_ESB.md",
      "headings": [
        "Surety Bond Industry Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fc5 .concept}",
        "1. Agreement {#section_pd5_1qq_qfc .section}",
        "2. Definitions {#section_yp4_dqq_qfc .section}",
        "3. General {#section_jv2_2sq_qfc .section}",
        "4. Industry Data {#section_kgr_rsq_qfc .section}",
        "5. Changes {#section_sbp_fzq_qfc .section}",
        "6. Equipment {#section_mpy_dzq_qfc .section}",
        "8. Disclaimer of Warranty; Limitation of Liability {#section_k3f_kcr_qfc .section}",
        "9. Monitoring {#section_nrc_4dr_qfc .section}",
        "10. Indemnification {#section_in5_pcr_qfc .section}",
        "11. Termination {#section_sb4_rcr_qfc .section}",
        "12. Trademarks {#section_xlg_tcr_qfc .section}",
        "13. Third-Party Content {#section_fkh_5cr_qfc .section}",
        "14. Data Privacy {#section_kn3_1dr_qfc .section}",
        "15. Digital Millennium Copyright Act of 1998 \\(“DMCA”\\) Policy: {#section_wgc_cdr_qfc .section}",
        "16. Miscellaneous {#section_l4z_cdr_qfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_ESB.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_ESB.md:chunk-17",
      "title": "Surety Bond Industry Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fc5 .concept}",
      "content": "advice or statement made on the System or the software applications, content or services accessible through the System. Under no circumstances will SRR, its affiliates, Third Party Content Providers, Licensors and the State Agencies and federal agencies participating in the System and their respective directors, officers, employees and agents be liable for any loss or damage caused by Your reliance on information obtained through the System. It is Your responsibility to evaluate the accuracy, completeness or usefulness of any information, opinion, advice or other content available through the System. Please seek the advice of professionals, as appropriate, regarding the evaluation of any specific information, opinion, advice or other content.\n\n\\(C\\) The System may contain links to websites operated by persons or entities other than SRR. Such links to other websites, whether to a home page or some other page on a website, are provided for Your reference and convenience only. You agree not to hold SRR, its affiliates, Third-Party Content Providers, Licensors and the State Agencies and federal agencies participating in the System and their respective directors, officers, employees and agents responsible for the content or operation of such websites. A link from the System to another website does not imply or mean that SRR endorses the content on that website or the operator or operations of that website. You are solely responsible for determining the extent to which You use any content at any other websites to which the System links.\n\n## 14. Data Privacy \n\nIndustry Data created to meet a State Agency requirement and submitted by a Regulated Entity to the State Agency in connection with a license application or license maintenance becomes the property of the State Agency and will be subject to the public information and privacy laws and policies of such State Agency.\n\n## 15. Digital Millennium Copyright Act of 1998 \\(“DMCA”\\) Policy: \n\nCopyrights and DMCA Copyright Agen",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_ESB.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_ESB.md",
      "headings": [
        "Surety Bond Industry Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fc5 .concept}",
        "1. Agreement {#section_pd5_1qq_qfc .section}",
        "2. Definitions {#section_yp4_dqq_qfc .section}",
        "3. General {#section_jv2_2sq_qfc .section}",
        "4. Industry Data {#section_kgr_rsq_qfc .section}",
        "5. Changes {#section_sbp_fzq_qfc .section}",
        "6. Equipment {#section_mpy_dzq_qfc .section}",
        "8. Disclaimer of Warranty; Limitation of Liability {#section_k3f_kcr_qfc .section}",
        "9. Monitoring {#section_nrc_4dr_qfc .section}",
        "10. Indemnification {#section_in5_pcr_qfc .section}",
        "11. Termination {#section_sb4_rcr_qfc .section}",
        "12. Trademarks {#section_xlg_tcr_qfc .section}",
        "13. Third-Party Content {#section_fkh_5cr_qfc .section}",
        "14. Data Privacy {#section_kn3_1dr_qfc .section}",
        "15. Digital Millennium Copyright Act of 1998 \\(“DMCA”\\) Policy: {#section_wgc_cdr_qfc .section}",
        "16. Miscellaneous {#section_l4z_cdr_qfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_ESB.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_ESB.md:chunk-18",
      "title": "Surety Bond Industry Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fc5 .concept}",
      "content": "d will be subject to the public information and privacy laws and policies of such State Agency.\n\n## 15. Digital Millennium Copyright Act of 1998 \\(“DMCA”\\) Policy: \n\nCopyrights and DMCA Copyright Agent SRR respects the rights of all copyright holders and in this regard, SRR has adopted and implemented a DMCA Policy, which provides for the termination of Your and other users’ rights to access the System in appropriate circumstances \\(e.g., repeat infringement\\).\n\n## 16. Miscellaneous \n\n\\(A\\)\n\n\\(1\\) Any dispute between You and a State Agency or a federal agency must be resolved with that agency and not SRR.\n\n\\(2\\) Unless specifically provided otherwise herein, all notices and communications to You from SRR hereunder will be made by registered or certified mail, fax or e-mail, using the contact information provided by You, or at Your login page and will be deemed to have been duly given and made when sent to You or when You log into the System, as applicable.\n\n\\(3\\) All notices and communications to SRR hereunder must be in writing and will be deemed to have been duly given and made when received if \\(i\\) served by personal delivery upon SRR, \\(ii\\) delivered by registered or certified mail, return receipt requested, to 1300 I Street, NW, Suite 700 East Washington, D.C. 20005, Attention: SRR President and CEO, cc CSBS General Counsel, \\(iii\\) sent by fax to \\(202\\) 296-1928, Attention: SRR President and CEO, or \\(iv\\) sent by e-mail to SRRnotifications@csbs.org, provided that receipt of the fax or e-mail notice or communication is promptly confirmed by telephone confirmation thereof.\n\n\\(B\\) All use of the System and the export, re-export or distribution of SRR software products are subject to U.S. economic sanction laws and regulations administered by the U.S. Treasury Office of Foreign Assets Control and other agencies, including the Office of Export Enforcement of the Department of Commerce. These agencies maintain and update lists of prohibited countries and individ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_ESB.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_ESB.md",
      "headings": [
        "Surety Bond Industry Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fc5 .concept}",
        "1. Agreement {#section_pd5_1qq_qfc .section}",
        "2. Definitions {#section_yp4_dqq_qfc .section}",
        "3. General {#section_jv2_2sq_qfc .section}",
        "4. Industry Data {#section_kgr_rsq_qfc .section}",
        "5. Changes {#section_sbp_fzq_qfc .section}",
        "6. Equipment {#section_mpy_dzq_qfc .section}",
        "8. Disclaimer of Warranty; Limitation of Liability {#section_k3f_kcr_qfc .section}",
        "9. Monitoring {#section_nrc_4dr_qfc .section}",
        "10. Indemnification {#section_in5_pcr_qfc .section}",
        "11. Termination {#section_sb4_rcr_qfc .section}",
        "12. Trademarks {#section_xlg_tcr_qfc .section}",
        "13. Third-Party Content {#section_fkh_5cr_qfc .section}",
        "14. Data Privacy {#section_kn3_1dr_qfc .section}",
        "15. Digital Millennium Copyright Act of 1998 \\(“DMCA”\\) Policy: {#section_wgc_cdr_qfc .section}",
        "16. Miscellaneous {#section_l4z_cdr_qfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_ESB.html",
      "snippet": null
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    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_ESB.md:chunk-19",
      "title": "Surety Bond Industry Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fc5 .concept}",
      "content": "ice of Foreign Assets Control and other agencies, including the Office of Export Enforcement of the Department of Commerce. These agencies maintain and update lists of prohibited countries and individuals and administer sanctions against U.S. corporations and individuals conducting business with designated entities.\n\n\\(C\\) This Agreement constitutes the entire agreement of the parties with respect to the subject matter hereof and supersede all previous written or oral agreements between the parties with respect to such subject matter.\n\n\\(D\\) This Agreement will be construed in accordance with the laws of the Commonwealth of Virginia, without regard to its conflict of laws rules. The parties hereto agree that the jurisdiction for any claim brought under this Agreement will be the County of Arlington, Virginia. The parties hereto expressly waive any right to a jury trial.\n\n\\(E\\) No waiver by either party of any breach or default hereunder will be deemed to be a waiver of any preceding or subsequent breach or default.\n\n\\(F\\) If any of these terms, or the application thereof to any individual, entity or circumstance, is deemed to any extent to be invalid or unenforceable, the remainder of these terms, or the application of such terms or provisions to persons or circumstances other than those as to which they are invalid or unenforceable, will not be affected thereby, and each term and provision of these terms will be valid and enforceable to the fullest extent permitted bylaw.\n\n\\(G\\) Except as otherwise set forth in this Agreement, no third party will be entitled to enforce these terms against the respective parties as third-party beneficiaries thereof.\n\n\\(H\\) The section headings used herein are for convenience only and are not be given any legal import.\n\n\\(I\\) This Agreement will be binding upon and inure to the benefit of the parties hereto and their respective successors, legal representatives and permitted assigns. You may not assign any of its rights or delegate a",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_ESB.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_ESB.md",
      "headings": [
        "Surety Bond Industry Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fc5 .concept}",
        "1. Agreement {#section_pd5_1qq_qfc .section}",
        "2. Definitions {#section_yp4_dqq_qfc .section}",
        "3. General {#section_jv2_2sq_qfc .section}",
        "4. Industry Data {#section_kgr_rsq_qfc .section}",
        "5. Changes {#section_sbp_fzq_qfc .section}",
        "6. Equipment {#section_mpy_dzq_qfc .section}",
        "8. Disclaimer of Warranty; Limitation of Liability {#section_k3f_kcr_qfc .section}",
        "9. Monitoring {#section_nrc_4dr_qfc .section}",
        "10. Indemnification {#section_in5_pcr_qfc .section}",
        "11. Termination {#section_sb4_rcr_qfc .section}",
        "12. Trademarks {#section_xlg_tcr_qfc .section}",
        "13. Third-Party Content {#section_fkh_5cr_qfc .section}",
        "14. Data Privacy {#section_kn3_1dr_qfc .section}",
        "15. Digital Millennium Copyright Act of 1998 \\(“DMCA”\\) Policy: {#section_wgc_cdr_qfc .section}",
        "16. Miscellaneous {#section_l4z_cdr_qfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_ESB.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_ESB.md:chunk-20",
      "title": "Surety Bond Industry Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fc5 .concept}",
      "content": "ent will be binding upon and inure to the benefit of the parties hereto and their respective successors, legal representatives and permitted assigns. You may not assign any of its rights or delegate any of its obligations under this Agreement, other than to an affiliate, without the prior written consent of SRR.\n\n**Parent topic:**NMLS System Policies and Terms of Use",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_ESB.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_ESB.md",
      "headings": [
        "Surety Bond Industry Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fc5 .concept}",
        "1. Agreement {#section_pd5_1qq_qfc .section}",
        "2. Definitions {#section_yp4_dqq_qfc .section}",
        "3. General {#section_jv2_2sq_qfc .section}",
        "4. Industry Data {#section_kgr_rsq_qfc .section}",
        "5. Changes {#section_sbp_fzq_qfc .section}",
        "6. Equipment {#section_mpy_dzq_qfc .section}",
        "8. Disclaimer of Warranty; Limitation of Liability {#section_k3f_kcr_qfc .section}",
        "9. Monitoring {#section_nrc_4dr_qfc .section}",
        "10. Indemnification {#section_in5_pcr_qfc .section}",
        "11. Termination {#section_sb4_rcr_qfc .section}",
        "12. Trademarks {#section_xlg_tcr_qfc .section}",
        "13. Third-Party Content {#section_fkh_5cr_qfc .section}",
        "14. Data Privacy {#section_kn3_1dr_qfc .section}",
        "15. Digital Millennium Copyright Act of 1998 \\(“DMCA”\\) Policy: {#section_wgc_cdr_qfc .section}",
        "16. Miscellaneous {#section_l4z_cdr_qfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_ESB.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_agency.md:chunk-0",
      "title": "State Agency Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fc6 .concept}",
      "content": "# State Agency Terms of Use \n\nNMLS user agreement for State Agency users.\n\nThis System is for authorized use only. The System usage may be monitored, recorded, read, captured, or subject to audit in any manner by authorized personnel. Accessing and using this System constitutes consent to having System use monitored and recorded. Unauthorized use is prohibited and subject to not only revocation of access but also criminal and/or civil penalties due to violation of Federal and/or State laws. If criminal activity is discovered, the information will be provided to the appropriate law enforcement officials. Suspected access or use violations should be reported to the CSBS Chief Security Officer at security@csbs.org.\n\n## 1. Agreement \n\nThis State Agency Terms of Use is an agreement between State Regulatory Registry LLC \\(“SRR”\\) and State Agency with regard to State Agency's and its personnel's use of the Nationwide Mortgage Licensing System and Registry \\(herein referred to as the “System”, as further defined in Section 2\\) for the State Agency's supervisory purposes, including but not limited to complying with the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 \\(12 U.S.C. 5101 et seq\\) \\(“SAFE Act”\\) and utilizing all functionality made available through the System. SRR offers on its website at http://www.statemortgageregistry.org various on-line applications, materials and services provided by SRR, affiliates of SRR and, in some cases, third parties. Prior to accessing the System, each of State Agency's personnel must obtain a unique username and password in order to use the State Agency's account established by this Agreement \\(“State Agency's Account”\\).\n\n## 2. Definitions \n\n-   The term “Agreement” means these State Agency Terms of Use, the Schedule of System Availability, the Schedule of System Requirements, and the System Privacy Notice, and any amendments thereto.\n-   The term “Applicant” as used in this Agreement means the person or entity submi",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_agency.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_agency.md",
      "headings": [
        "State Agency Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fc6 .concept}",
        "1. Agreement {#section_b2s_fwp_qfc .section}",
        "2. Definitions {#section_d4q_3wp_qfc .section}",
        "3. General {#section_ofy_kwp_qfc .section}",
        "4. Data {#section_fdn_q1q_qfc .section}",
        "5. Changes {#section_l14_pwp_qfc .section}",
        "6. Equipment {#section_zzm_qwp_qfc .section}",
        "7. State Agency Conduct {#section_f2h_rwp_qfc .section}",
        "8. Limited Warranty {#section_irn_gxp_qfc .section}",
        "9. Limitation of Liability {#section_hrh_3xp_qfc .section}",
        "10. Indemnification {#section_r4k_jxp_qfc .section}",
        "11. Suspension and Termination {#section_i3d_kxp_qfc .section}",
        "12. Trademarks {#section_ih5_mxp_qfc .section}",
        "13. Third-Party Content {#section_uch_21q_qfc .section}",
        "14. Privacy, Data Retention, and Breach Response {#section_mxt_f1q_qfc .section}",
        "15. Miscellaneous {#section_srz_g1q_qfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_agency.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_agency.md:chunk-1",
      "title": "State Agency Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fc6 .concept}",
      "content": "System Availability, the Schedule of System Requirements, and the System Privacy Notice, and any amendments thereto.\n-   The term “Applicant” as used in this Agreement means the person or entity submitting one or more Applications, or that has been approved for one or more License.\n-   The term “Applicant Data” as used in this Agreement means \\(i\\) the information submitted to the System by Applicants or third parties in connection with an Application or in connection with the renewal or maintenance of a License, including in connection with satisfaction of relevant federal and state mandated testing and education requirements; \\(ii\\) information contained in reports of condition submitted by Applicants pursuant to the SAFE Act and/or other state or federal laws; and \\(iii\\) any updates to such information, whether permissive or required by law.\n-   The term “Application” as used in this Agreement means an application for a License through the System.\n-   The term \"Complaint Data\" means any information submitted to the System with respect to a complaint including but not limited to any information submitted to the System by or on behalf of a complainant or gained from any source in investigating and/or responding to a complaint.\n-   The term \"Examination Data\" means any information related to or included in a supervisory examination, investigation or enforcement action including but not limited to an individual, joint, coordinated, or multistate examination, reported to or on the System.\n-   The term “License” as used in this Agreement means any license, registration, certificate, designation or exemption or any similar form of authorization granted by State Agency for the purpose of authorizing activities in or relating to a financial services business in State Agency's state.\n-   The term “Licensor” as used in this Agreement means a third-party contractor who has granted SRR a license to software applications, materials, content or services used in the System. “Li",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_agency.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_agency.md",
      "headings": [
        "State Agency Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fc6 .concept}",
        "1. Agreement {#section_b2s_fwp_qfc .section}",
        "2. Definitions {#section_d4q_3wp_qfc .section}",
        "3. General {#section_ofy_kwp_qfc .section}",
        "4. Data {#section_fdn_q1q_qfc .section}",
        "5. Changes {#section_l14_pwp_qfc .section}",
        "6. Equipment {#section_zzm_qwp_qfc .section}",
        "7. State Agency Conduct {#section_f2h_rwp_qfc .section}",
        "8. Limited Warranty {#section_irn_gxp_qfc .section}",
        "9. Limitation of Liability {#section_hrh_3xp_qfc .section}",
        "10. Indemnification {#section_r4k_jxp_qfc .section}",
        "11. Suspension and Termination {#section_i3d_kxp_qfc .section}",
        "12. Trademarks {#section_ih5_mxp_qfc .section}",
        "13. Third-Party Content {#section_uch_21q_qfc .section}",
        "14. Privacy, Data Retention, and Breach Response {#section_mxt_f1q_qfc .section}",
        "15. Miscellaneous {#section_srz_g1q_qfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_agency.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_agency.md:chunk-2",
      "title": "State Agency Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fc6 .concept}",
      "content": "s state.\n-   The term “Licensor” as used in this Agreement means a third-party contractor who has granted SRR a license to software applications, materials, content or services used in the System. “Licensor” does not include Applicants.\n-   The term “Shared Information” as used in this Agreement means Applicant Data, Examination Data, Complaint Data or other data that is submitted to the System and accessible by more than one state and/or federal agency.\n-   The term “State Agency” as used in this Agreement means the agency that has contracted with SRR to access and use the System and to which this Agreement applies.\n-   The term “System” as used in this Agreement means the Nationwide Mortgage Licensing System and Registry \\(which is also referred to as the Nationwide Multistate Licensing System, the Nationwide Mortgage Licensing System, NMLSR and/or NMLS\\) and any and all examination programs, complaint programs, software applications, materials, content or services accessible thereon as provided by SRR, affiliates of SRR or other third parties.\n-   The term “Third-Party Content Provider” as used in this Agreement means a party other than SRR or State Agency, including but not limited to another state regulator, another state licensing agency, a law enforcement agency or a self-regulatory organization, whose information SRR makes available on the system for the purpose of providing useful information. “Third-Party Content Provider” does not include Applicants.\n\n## 3. General \n\n\\(A\\) This Agreement governs use by State Agency of the System. Any individual acting as an agent or employee may only agree to this Agreement if he or she has the legal power and authority to bind State Agency to this Agreement or hereby certifies that someone who has the legal power and authority to bind State Agency to the Agreement has done so. The use of the System is conditioned upon the acceptance of all provisions of this Agreement. Any information accessed, requested or provided thro",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_agency.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_agency.md",
      "headings": [
        "State Agency Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fc6 .concept}",
        "1. Agreement {#section_b2s_fwp_qfc .section}",
        "2. Definitions {#section_d4q_3wp_qfc .section}",
        "3. General {#section_ofy_kwp_qfc .section}",
        "4. Data {#section_fdn_q1q_qfc .section}",
        "5. Changes {#section_l14_pwp_qfc .section}",
        "6. Equipment {#section_zzm_qwp_qfc .section}",
        "7. State Agency Conduct {#section_f2h_rwp_qfc .section}",
        "8. Limited Warranty {#section_irn_gxp_qfc .section}",
        "9. Limitation of Liability {#section_hrh_3xp_qfc .section}",
        "10. Indemnification {#section_r4k_jxp_qfc .section}",
        "11. Suspension and Termination {#section_i3d_kxp_qfc .section}",
        "12. Trademarks {#section_ih5_mxp_qfc .section}",
        "13. Third-Party Content {#section_uch_21q_qfc .section}",
        "14. Privacy, Data Retention, and Breach Response {#section_mxt_f1q_qfc .section}",
        "15. Miscellaneous {#section_srz_g1q_qfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_agency.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_agency.md:chunk-3",
      "title": "State Agency Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fc6 .concept}",
      "content": "ty to bind State Agency to the Agreement has done so. The use of the System is conditioned upon the acceptance of all provisions of this Agreement. Any information accessed, requested or provided through the System must be accessed, requested and used in accordance with the provisions of this Agreement. SRR reserves any rights not expressly granted under this Agreement. STATE AGENCY AGREES THAT THIS AGREEMENT IS ENFORCEABLE LIKE ANY WRITTEN AND FULLY NEGOTIATED AGREEMENT SIGNED BY STATE AGENCY. IF STATE AGENCY DOES NOT AGREE, DO NOT CLICK “I AGREE” AND DO NOT USE THE SYSTEM.\n\n\\(B\\) The right to use the System is limited to State Agency and is not transferable. State Agency is responsible for all use of State Agency's Account \\(under any username or password\\) and for ensuring that all use of State Agency's Account complies fully with the provisions of this Agreement and is in compliance with State Agency’s regulatory authority. State Agency further agrees to develop and follow appropriate access control policies and procedures to ensure that only authorized individuals have access to the System. Each individual accessing the System must do so with unique login credentials that can be used only by that individual. The System and any information provided through it \\(other than information owned by State Agency\\) may be used by State Agency only in accordance with the terms of this Agreement and in conformance with State Agency's regulatory authority.\n\n\\(C\\)\n\n-   \\(1\\) In consideration of the services provided to State Agency through the System, State Agency grants SRR a right to retain, from the fee paid by each Applicant via the System, a system processing fee and other fees as set by the SRR Board of Managers.\n-   \\(2\\) SRR will collect and hold in a non-interest-bearing trust account, the license and other fees paid by Applicant by credit card transaction, ACH transaction or other payment means deemed appropriate by the SRR Board of Managers. Subject to Section 3\\",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_agency.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_agency.md",
      "headings": [
        "State Agency Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fc6 .concept}",
        "1. Agreement {#section_b2s_fwp_qfc .section}",
        "2. Definitions {#section_d4q_3wp_qfc .section}",
        "3. General {#section_ofy_kwp_qfc .section}",
        "4. Data {#section_fdn_q1q_qfc .section}",
        "5. Changes {#section_l14_pwp_qfc .section}",
        "6. Equipment {#section_zzm_qwp_qfc .section}",
        "7. State Agency Conduct {#section_f2h_rwp_qfc .section}",
        "8. Limited Warranty {#section_irn_gxp_qfc .section}",
        "9. Limitation of Liability {#section_hrh_3xp_qfc .section}",
        "10. Indemnification {#section_r4k_jxp_qfc .section}",
        "11. Suspension and Termination {#section_i3d_kxp_qfc .section}",
        "12. Trademarks {#section_ih5_mxp_qfc .section}",
        "13. Third-Party Content {#section_uch_21q_qfc .section}",
        "14. Privacy, Data Retention, and Breach Response {#section_mxt_f1q_qfc .section}",
        "15. Miscellaneous {#section_srz_g1q_qfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_agency.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_agency.md:chunk-4",
      "title": "State Agency Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fc6 .concept}",
      "content": "ng trust account, the license and other fees paid by Applicant by credit card transaction, ACH transaction or other payment means deemed appropriate by the SRR Board of Managers. Subject to Section 3\\(C\\)\\(1\\), such funds will be disbursed to State Agency after a reasonable period of time established by the SRR Board of Managers, not to exceed five \\(5\\) business days and sufficient to establish and maintain an orderly process for collection and disbursement. In the event an Applicant’s payment fails or is returned and the trust account is reduced by the returned amount, SRR may deduct the returned amount from future disbursements to the State Agency. SRR will make available to State Agency, by download from the System, a report detailing such collection, deduction and disbursement activity. Other than its right to receive payment of its fees as contemplated by Section 3\\(C\\)\\(1\\), SRR will not have any interest in the trust account and will not commingle its own assets with those of the State Agency held in any such trust account \\(it being agreed that such trust account may contain other funds collected by SRR for other state agencies pursuant to agreements comparable to this Agreement\\).\n\n\\(D\\) SRR grants to State Agency a non-exclusive license to use the System for the purposes described herein and for so long as State Agency complies with the terms of this Agreement.\n\n\\(E\\) If a State Agency elects to use the System, State Agency designates SRR as State Agency's agent for the purposes of collecting data and maintaining a database and links to third-party databases with information supplied in relation to, or relevant to, the State Agency’s use\\(s\\) of the System. SRR shall have no authority to mandate any of State Agency's application requirements, complaint processes or examination procedures. It is State Agency's responsibility to ensure that all information relevant to Applications, any renewal or maintenance of a License, or any other supervisory or regulat",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_agency.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_agency.md",
      "headings": [
        "State Agency Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fc6 .concept}",
        "1. Agreement {#section_b2s_fwp_qfc .section}",
        "2. Definitions {#section_d4q_3wp_qfc .section}",
        "3. General {#section_ofy_kwp_qfc .section}",
        "4. Data {#section_fdn_q1q_qfc .section}",
        "5. Changes {#section_l14_pwp_qfc .section}",
        "6. Equipment {#section_zzm_qwp_qfc .section}",
        "7. State Agency Conduct {#section_f2h_rwp_qfc .section}",
        "8. Limited Warranty {#section_irn_gxp_qfc .section}",
        "9. Limitation of Liability {#section_hrh_3xp_qfc .section}",
        "10. Indemnification {#section_r4k_jxp_qfc .section}",
        "11. Suspension and Termination {#section_i3d_kxp_qfc .section}",
        "12. Trademarks {#section_ih5_mxp_qfc .section}",
        "13. Third-Party Content {#section_uch_21q_qfc .section}",
        "14. Privacy, Data Retention, and Breach Response {#section_mxt_f1q_qfc .section}",
        "15. Miscellaneous {#section_srz_g1q_qfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_agency.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_agency.md:chunk-5",
      "title": "State Agency Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fc6 .concept}",
      "content": "ses or examination procedures. It is State Agency's responsibility to ensure that all information relevant to Applications, any renewal or maintenance of a License, or any other supervisory or regulatory matter, including, but not limited to, examinations or complaints, is obtained by State Agency, whether or not available on the System, and to verify that all such information is current and correct. If State Agency requests additional information about an Applicant or regarding any supervisory or regulatory matter from third parties, SRR will not be responsible for the accuracy or content of such information, whether or not the System facilitates its transmission. Any disputes between State Agency and an Applicant must be resolved by the State Agency with that Applicant through the State Agency’s normal process.\n\n\\(F\\) Any disputes between State Agency and an Applicant must be resolved by the State Agency with that Applicant through the State Agency’s normal process.\n\n\\(G\\) Access to the System from jurisdictions where the System \\(or any part thereof\\) is illegal is prohibited. If State Agency accesses the System from a location outside the United States, State Agency is responsible for compliance with all applicable local laws.\n\n\\(H\\) SRR will undertake commercially reasonable efforts to maintain State Agency's ability to use the System in the manner contemplated by this Agreement. The hours of availability are set forth in Exhibit A \\(“Schedule of System Availability”\\) and the equipment needed for access or use is set forth in Exhibit B \\(“Schedule of System Requirements”\\). If SRR fails to meet the terms of the Schedule of System Availability or the Schedule of System Requirements, State Agency's sole remedy is to notify SRR and/or terminate this Agreement and SRR's sole liability will be to undertake commercially reasonable efforts to rectify such failure.\n\n\\(I\\) SRR makes no guaranty regarding the future participation of any state in the System.\n\n\\(J\\) State",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_agency.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_agency.md",
      "headings": [
        "State Agency Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fc6 .concept}",
        "1. Agreement {#section_b2s_fwp_qfc .section}",
        "2. Definitions {#section_d4q_3wp_qfc .section}",
        "3. General {#section_ofy_kwp_qfc .section}",
        "4. Data {#section_fdn_q1q_qfc .section}",
        "5. Changes {#section_l14_pwp_qfc .section}",
        "6. Equipment {#section_zzm_qwp_qfc .section}",
        "7. State Agency Conduct {#section_f2h_rwp_qfc .section}",
        "8. Limited Warranty {#section_irn_gxp_qfc .section}",
        "9. Limitation of Liability {#section_hrh_3xp_qfc .section}",
        "10. Indemnification {#section_r4k_jxp_qfc .section}",
        "11. Suspension and Termination {#section_i3d_kxp_qfc .section}",
        "12. Trademarks {#section_ih5_mxp_qfc .section}",
        "13. Third-Party Content {#section_uch_21q_qfc .section}",
        "14. Privacy, Data Retention, and Breach Response {#section_mxt_f1q_qfc .section}",
        "15. Miscellaneous {#section_srz_g1q_qfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_agency.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_agency.md:chunk-6",
      "title": "State Agency Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fc6 .concept}",
      "content": "'s sole liability will be to undertake commercially reasonable efforts to rectify such failure.\n\n\\(I\\) SRR makes no guaranty regarding the future participation of any state in the System.\n\n\\(J\\) State Agency is responsible for protecting the confidentiality of State Agency's login credentials \\(including without limitation individual usernames and passwords\\). State Agency agrees to notify SRR immediately if it becomes aware of the loss, theft or unauthorized use of any username or password, or unauthorized access to or use of the System or any information submitted to or contained in the System.\n\n\\(K\\) To the extent that the U.S. government or U.S. government agencies are end users hereunder, you acknowledge and agree that all products, material, software, documentation, and publications provided or licensed hereunder are provided as “commercial computer software” if computer software and “commercial computer software documentation” if technical data, as those terms are used in Section 12.211 and 12.212 of the Federal Acquisition Regulation \\(FAR\\), or, if applicable, in Section 227.7202-3 of the Defense Federal Acquisition Regulation Supplement \\(DFARS\\), and that the government shall acquire only those rights in such technical data and/or computer software as are customarily applicable for commercial items. Except as expressly set forth to the contrary herein, computer software acquired hereunder further constitutes “restricted computer software” as that term is defined in FAR Section 52.227-14.\n\n## 4. Data \n\n\\(A\\) Applicant Data \\(1\\) For purposes of this Agreement, Applicant Data that Applicants submit to the System and release to State Agency through the System during the pendency of an Application and during the period of licensure is State Agency's property and for purposes of this Agreement is deemed to be owned by State Agency; provided, however, it is expressly understood that State Agency does not own any Applicant Data accessible through the System but ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_agency.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_agency.md",
      "headings": [
        "State Agency Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fc6 .concept}",
        "1. Agreement {#section_b2s_fwp_qfc .section}",
        "2. Definitions {#section_d4q_3wp_qfc .section}",
        "3. General {#section_ofy_kwp_qfc .section}",
        "4. Data {#section_fdn_q1q_qfc .section}",
        "5. Changes {#section_l14_pwp_qfc .section}",
        "6. Equipment {#section_zzm_qwp_qfc .section}",
        "7. State Agency Conduct {#section_f2h_rwp_qfc .section}",
        "8. Limited Warranty {#section_irn_gxp_qfc .section}",
        "9. Limitation of Liability {#section_hrh_3xp_qfc .section}",
        "10. Indemnification {#section_r4k_jxp_qfc .section}",
        "11. Suspension and Termination {#section_i3d_kxp_qfc .section}",
        "12. Trademarks {#section_ih5_mxp_qfc .section}",
        "13. Third-Party Content {#section_uch_21q_qfc .section}",
        "14. Privacy, Data Retention, and Breach Response {#section_mxt_f1q_qfc .section}",
        "15. Miscellaneous {#section_srz_g1q_qfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_agency.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_agency.md:chunk-7",
      "title": "State Agency Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fc6 .concept}",
      "content": "for purposes of this Agreement is deemed to be owned by State Agency; provided, however, it is expressly understood that State Agency does not own any Applicant Data accessible through the System but not released by Applicants to State Agency \\(such as Applicant Data that are released by Applicants to other state agencies but not to State Agency\\). State Agency agrees and acknowledges that in many instances the Applicant Data submitted by an Applicant and released to multiple states will also be owned by the other state agencies to which Applicant has made the information available. SRR will not be required to correct or alter any Applicant Data unless all state agencies that have ownership thereof consent. It will be the responsibility of State Agency to coordinate with other state agencies to obtain consent.\n\n\\(B\\) State Agency will, after expiration of the License granted by State Agency, have access to Applicant Data that Applicants released to State Agency. SRR is authorized by State Agency to share Applicant Data \\(excluding FBI criminal history data or credit checks\\), as well as any other data or content uploaded to the System by State Agency, with all state and federal regulatory officials who certify that they have mortgage or financial services industry oversight authority and are subject to, and have the legal authority to comply with, Section 1512 of the SAFE Act \\(12 U.S.C. 5111\\) subject to appropriate usage agreements entered into by SRR and state and federal regulatory officials.\n\n\\(C\\) Examination Data. State Agency or federal agency submitting Examination Data to the System, or which has access to Examination Data submitted to the System will treat any such Examination Data in accordance with applicable memoranda of understanding, interagency agreements, other similar agreements, or applicable state or federal laws or regulations, including but not limited to 12 U.S.C. 5111.\n\n\\(D\\) Complaint Data. State Agency or federal agency accessing Complaint",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_agency.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_agency.md",
      "headings": [
        "State Agency Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fc6 .concept}",
        "1. Agreement {#section_b2s_fwp_qfc .section}",
        "2. Definitions {#section_d4q_3wp_qfc .section}",
        "3. General {#section_ofy_kwp_qfc .section}",
        "4. Data {#section_fdn_q1q_qfc .section}",
        "5. Changes {#section_l14_pwp_qfc .section}",
        "6. Equipment {#section_zzm_qwp_qfc .section}",
        "7. State Agency Conduct {#section_f2h_rwp_qfc .section}",
        "8. Limited Warranty {#section_irn_gxp_qfc .section}",
        "9. Limitation of Liability {#section_hrh_3xp_qfc .section}",
        "10. Indemnification {#section_r4k_jxp_qfc .section}",
        "11. Suspension and Termination {#section_i3d_kxp_qfc .section}",
        "12. Trademarks {#section_ih5_mxp_qfc .section}",
        "13. Third-Party Content {#section_uch_21q_qfc .section}",
        "14. Privacy, Data Retention, and Breach Response {#section_mxt_f1q_qfc .section}",
        "15. Miscellaneous {#section_srz_g1q_qfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_agency.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_agency.md:chunk-8",
      "title": "State Agency Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fc6 .concept}",
      "content": "ts, other similar agreements, or applicable state or federal laws or regulations, including but not limited to 12 U.S.C. 5111.\n\n\\(D\\) Complaint Data. State Agency or federal agency accessing Complaint Data submitted to the System will treat any such Complaint Data in accordance with applicable memoranda of understanding, interagency agreements, other similar agreements, or applicable state or federal laws or regulations, including but not limited to 12 U.S.C. 5111. All Complaint Data is Shared Information with the exception of any personally identifiable information that may be masked in accordance with the applicable State Agency requirements. State Agency may share Complaint Data with the appropriate law enforcement officials or any other relevant parties.\n\n\\(E\\) Applicant Data, Examination Data and Complaint Data.\n\n-   \\(1\\) State Agency agrees that it will not, nor permit anyone else to: \\(a\\) use any data mining, robots, or similar data-gathering and extraction methods to monitor or copy the System \\(or parts thereof\\) in bulk, or to make voluminous, excessive or repetitive requests for information that reduce the speed and efficiency of the System \\(or parts thereof\\); \\(b\\) use any device, software or routine to bypass any software or hardware that prohibits volume requests for information; \\(c\\) interfere with or attempt to interfere with the proper working of the System \\(or parts thereof\\); and \\(d\\) take any action that imposes an unreasonable or disproportionately large load on the System \\(or parts thereof\\). To the extent State Agency wishes to data mine or otherwise manipulate its data in a manner that may reduce the speed and efficiency of the System, State Agency agrees that it must first obtain the permission of SRR and cooperate with SRR to either download such data and perform the mining or other manipulation offline, or otherwise conduct such mining or other manipulation without impairing the System. To the extent State Agency desires to data mi",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_agency.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_agency.md",
      "headings": [
        "State Agency Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fc6 .concept}",
        "1. Agreement {#section_b2s_fwp_qfc .section}",
        "2. Definitions {#section_d4q_3wp_qfc .section}",
        "3. General {#section_ofy_kwp_qfc .section}",
        "4. Data {#section_fdn_q1q_qfc .section}",
        "5. Changes {#section_l14_pwp_qfc .section}",
        "6. Equipment {#section_zzm_qwp_qfc .section}",
        "7. State Agency Conduct {#section_f2h_rwp_qfc .section}",
        "8. Limited Warranty {#section_irn_gxp_qfc .section}",
        "9. Limitation of Liability {#section_hrh_3xp_qfc .section}",
        "10. Indemnification {#section_r4k_jxp_qfc .section}",
        "11. Suspension and Termination {#section_i3d_kxp_qfc .section}",
        "12. Trademarks {#section_ih5_mxp_qfc .section}",
        "13. Third-Party Content {#section_uch_21q_qfc .section}",
        "14. Privacy, Data Retention, and Breach Response {#section_mxt_f1q_qfc .section}",
        "15. Miscellaneous {#section_srz_g1q_qfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_agency.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_agency.md:chunk-9",
      "title": "State Agency Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fc6 .concept}",
      "content": "nload such data and perform the mining or other manipulation offline, or otherwise conduct such mining or other manipulation without impairing the System. To the extent State Agency desires to data mine its information residing on the System, or requests that SRR convert any data to be downloaded, such permission may be contingent upon the payment of fees.\n-   \\(2\\) Every State Agency participating in the System may have access to a subset of Applicant Data, Examination Data, Complaint Data or other data that is Shared Information.\n-   \\(3\\) State Agency grants SRR the right to collect and manipulate Applicant Data, Examination Data, Complaint Data or any other data owned by State Agency for the purpose of disseminating Applicant Data, Examination Data, Complaint Data or any other data aggregated on a state, regional or national level. State Agency also grants SRR the right to copy, process, store and distribute Applicant Data, Examination Data, and Complaint Data, as well as any other data or content uploaded to the System by State Agency, consistent with SRR's performance of its obligations contemplated by this Agreement. Applicant Data, Examination Data, Complaint Data and any other data may be checked against other State and federal regulatory agency databases, the Social Security Administration, financial services or securities industry self-regulatory organization, or commercial databases. State Agency grants SRR the right to use any contact information from time to time for the purposes of issuing communications concerning the System. State Agency acknowledges that certain Applicant Data, Examination Data, or Complaint Data submitted via the System, and other data or content uploaded to the System by State Agency, may be accessed publicly. SRR has no obligation with respect to any third party's use of data or content accessed through the System. If SRR is requested by law enforcement or by a legally sanctioned investigatory authority or otherwise through lega",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_agency.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_agency.md",
      "headings": [
        "State Agency Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fc6 .concept}",
        "1. Agreement {#section_b2s_fwp_qfc .section}",
        "2. Definitions {#section_d4q_3wp_qfc .section}",
        "3. General {#section_ofy_kwp_qfc .section}",
        "4. Data {#section_fdn_q1q_qfc .section}",
        "5. Changes {#section_l14_pwp_qfc .section}",
        "6. Equipment {#section_zzm_qwp_qfc .section}",
        "7. State Agency Conduct {#section_f2h_rwp_qfc .section}",
        "8. Limited Warranty {#section_irn_gxp_qfc .section}",
        "9. Limitation of Liability {#section_hrh_3xp_qfc .section}",
        "10. Indemnification {#section_r4k_jxp_qfc .section}",
        "11. Suspension and Termination {#section_i3d_kxp_qfc .section}",
        "12. Trademarks {#section_ih5_mxp_qfc .section}",
        "13. Third-Party Content {#section_uch_21q_qfc .section}",
        "14. Privacy, Data Retention, and Breach Response {#section_mxt_f1q_qfc .section}",
        "15. Miscellaneous {#section_srz_g1q_qfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_agency.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_agency.md:chunk-10",
      "title": "State Agency Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fc6 .concept}",
      "content": "ith respect to any third party's use of data or content accessed through the System. If SRR is requested by law enforcement or by a legally sanctioned investigatory authority or otherwise through legal process or under law to disclose any data owned by State Agency, SRR will notify State Agency in advance of, and will cooperate with State Agency in any attempt to limit, such disclosure unless prohibited by law.\n\n## 5. Changes \n\n\\(A\\) SRR reserves the right to change this Agreement or any part of the System from time to time; provided that, except as provided in Section 5\n\n\\(B\\), SRR may only make material changes upon a unanimous vote of the SRR Board of Managers. Such material changes will be effective upon the earliest of \\(i\\) one hundred twenty \\(120\\) days after SRR notifies State Agency of such changes, \\(ii\\) such time that State Agency agrees to such changes or \\(iii\\) such time as may be required by law or court order. Subject to the foregoing, use of the System constitutes State Agency's acknowledgement and acceptance of this Agreement as it exists at the time of such use.\n\n\\(B\\) SRR reserves the right to change or discontinue any aspect or feature of the System, including, but not limited to, functionality, content, hours of availability, and equipment needed for access or use from time to time; provided that SRR may only make material changes upon thirty \\(30\\) days advance notice to State Agency; provided, further, that if an immediate change is necessary, SRR may instead notify State Agency as soon thereafter as practicable.\n\n\\(C\\) Fees will be set by the SRR Board of Managers and may be changed with thirty \\(30\\) days advance notice to State Agency.\n\n\\(D\\) This Agreement may only be altered or amended in writing.\n\n## 6. Equipment \n\nState Agency is responsible for obtaining and maintaining all equipment required for access to and use of the System, and all charges and costs related thereto. These equipment requirements are published on the Technical Re",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_agency.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_agency.md",
      "headings": [
        "State Agency Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fc6 .concept}",
        "1. Agreement {#section_b2s_fwp_qfc .section}",
        "2. Definitions {#section_d4q_3wp_qfc .section}",
        "3. General {#section_ofy_kwp_qfc .section}",
        "4. Data {#section_fdn_q1q_qfc .section}",
        "5. Changes {#section_l14_pwp_qfc .section}",
        "6. Equipment {#section_zzm_qwp_qfc .section}",
        "7. State Agency Conduct {#section_f2h_rwp_qfc .section}",
        "8. Limited Warranty {#section_irn_gxp_qfc .section}",
        "9. Limitation of Liability {#section_hrh_3xp_qfc .section}",
        "10. Indemnification {#section_r4k_jxp_qfc .section}",
        "11. Suspension and Termination {#section_i3d_kxp_qfc .section}",
        "12. Trademarks {#section_ih5_mxp_qfc .section}",
        "13. Third-Party Content {#section_uch_21q_qfc .section}",
        "14. Privacy, Data Retention, and Breach Response {#section_mxt_f1q_qfc .section}",
        "15. Miscellaneous {#section_srz_g1q_qfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_agency.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_agency.md:chunk-11",
      "title": "State Agency Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fc6 .concept}",
      "content": "ible for obtaining and maintaining all equipment required for access to and use of the System, and all charges and costs related thereto. These equipment requirements are published on the Technical Requirements and may be amended from time to time pursuant to Section 5.\n\n## 7. State Agency Conduct \n\n\\(A\\) State Agency may only use the System for lawful purposes. State Agency may not post or transmit through the System any material that violates or infringes in any way upon the rights of others, that is unlawful, threatening, abusive, defamatory, invasive of privacy or publicity rights, vulgar, obscene, profane or otherwise objectionable, that encourages conduct that would constitute a criminal offense, give rise to civil liability to SRR or otherwise violate any law, or that, without SRR's express prior written approval, contains advertising or any solicitation with respect to products or services. Any conduct by State Agency that, in SRR's sole determination, restricts or inhibits any other state agency from using or enjoying the System will not be permitted. State Agency may not use the System, or the content contained therein or obtained therefrom, to advertise or perform any commercial solicitation. Other than as expressly permitted in Sections 3 and 4, in no event may State Agency offer to others any content of any kind retrieved from the System.\n\n\\(B\\) The System contains copyrighted material, trademarks and other proprietary information. Subject to Section 4, and with the exception of any State Agency Property \\(defined below\\), SRR owns or has rights to the System, and no rights thereto are conferred by virtue of this Agreement except to the extent expressly granted herein. State Agency owns any trademarks or content it has uploaded or provided for display on the System \\(“State Agency Property”\\) and grants SRR the right to copy, process, store and distribute State Agency Property consistent with SRR's performance of its obligations contemplated by this Agr",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_agency.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_agency.md",
      "headings": [
        "State Agency Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fc6 .concept}",
        "1. Agreement {#section_b2s_fwp_qfc .section}",
        "2. Definitions {#section_d4q_3wp_qfc .section}",
        "3. General {#section_ofy_kwp_qfc .section}",
        "4. Data {#section_fdn_q1q_qfc .section}",
        "5. Changes {#section_l14_pwp_qfc .section}",
        "6. Equipment {#section_zzm_qwp_qfc .section}",
        "7. State Agency Conduct {#section_f2h_rwp_qfc .section}",
        "8. Limited Warranty {#section_irn_gxp_qfc .section}",
        "9. Limitation of Liability {#section_hrh_3xp_qfc .section}",
        "10. Indemnification {#section_r4k_jxp_qfc .section}",
        "11. Suspension and Termination {#section_i3d_kxp_qfc .section}",
        "12. Trademarks {#section_ih5_mxp_qfc .section}",
        "13. Third-Party Content {#section_uch_21q_qfc .section}",
        "14. Privacy, Data Retention, and Breach Response {#section_mxt_f1q_qfc .section}",
        "15. Miscellaneous {#section_srz_g1q_qfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_agency.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_agency.md:chunk-12",
      "title": "State Agency Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fc6 .concept}",
      "content": "e System \\(“State Agency Property”\\) and grants SRR the right to copy, process, store and distribute State Agency Property consistent with SRR's performance of its obligations contemplated by this Agreement. The System contains links to and accesses proprietary databases of SRR and third parties and employs proprietary software of SRR and third parties. Other than as expressly permitted in Sections 3 and 4, State Agency may not modify, publish, transmit, participate in the transfer or sale, create derivative works, or in any way exploit, any of the software applications, materials or services hosted on or obtained from the System, in whole or in part, without the express permission of SRR or the applicable owner thereof. In the event of any permitted copying, redistribution or publication of content obtained from the System, no changes in or deletion of author attribution, trademark legend or copyright notice may be made.\n\n\\(C\\) State Agency may not upload, post or otherwise make available on the System, or parts thereof, any material protected by copyright, trademark or other proprietary right without the express written permission of the owner of the copyright, trademark or other proprietary right and the burden of determining that any material is not protected by law rests with State Agency. State Agency will be solely liable for any damage resulting from any infringement of copyrights, proprietary rights, or any other harm resulting from such a submission made by such State Agency.\n\n\\(D\\) The foregoing provisions of Section 7 are for the benefit of SRR, its affiliates and SRR's Third-Party Content Providers and Licensors, and each will have the right to assert and enforce such provisions directly or on its own behalf.\n\n## 8. Limited Warranty \n\n\\(A\\) SRR REPRESENTS AND WARRANTS THAT THE SERVICES WILL BEPROVIDED IN A REASONABLE AND WORKMANLIKE MANNER, AND THAT IT WILL USE REASONABLE EFFORTS TO MAINTAIN AND KEEP AVAILABLE VIA THE INTERNET, THE SYSTEM, WHICH, FOR PU",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_agency.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_agency.md",
      "headings": [
        "State Agency Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fc6 .concept}",
        "1. Agreement {#section_b2s_fwp_qfc .section}",
        "2. Definitions {#section_d4q_3wp_qfc .section}",
        "3. General {#section_ofy_kwp_qfc .section}",
        "4. Data {#section_fdn_q1q_qfc .section}",
        "5. Changes {#section_l14_pwp_qfc .section}",
        "6. Equipment {#section_zzm_qwp_qfc .section}",
        "7. State Agency Conduct {#section_f2h_rwp_qfc .section}",
        "8. Limited Warranty {#section_irn_gxp_qfc .section}",
        "9. Limitation of Liability {#section_hrh_3xp_qfc .section}",
        "10. Indemnification {#section_r4k_jxp_qfc .section}",
        "11. Suspension and Termination {#section_i3d_kxp_qfc .section}",
        "12. Trademarks {#section_ih5_mxp_qfc .section}",
        "13. Third-Party Content {#section_uch_21q_qfc .section}",
        "14. Privacy, Data Retention, and Breach Response {#section_mxt_f1q_qfc .section}",
        "15. Miscellaneous {#section_srz_g1q_qfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_agency.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_agency.md:chunk-13",
      "title": "State Agency Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fc6 .concept}",
      "content": "ND WARRANTS THAT THE SERVICES WILL BEPROVIDED IN A REASONABLE AND WORKMANLIKE MANNER, AND THAT IT WILL USE REASONABLE EFFORTS TO MAINTAIN AND KEEP AVAILABLE VIA THE INTERNET, THE SYSTEM, WHICH, FOR PURPOSES OF SECTIONS 8 AND 9 ALSO INCLUDES ALL CONTENT, DATA, INFORMATION AND FUNCTIONS ASSOCIATED WITH OR AVAILABLE THROUGH THE SYSTEM.\n\n\\(B\\) EXCEPT AS EXPRESSLY STATED IN THIS SECTION 8, THE SYSTEM IS PROVIDED “AS IS” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, OTHER THAN THOSE WARRANTIES THAT ARE INCAPABLE OF EXCLUSION, RESTRICTION OR MODIFICATION BY VIRTUE OF THE LAWS APPLICABLE TO THIS AGREEMENT. SRR DOES NOT WARRANT THAT \\(i\\) THE CONTENT, DATA, INFORMATION OR FUNCTIONS ASSOCIATED WITH OR AVAILABLE THROUGH THE SYSTEM WILL BE TIMELY, ACCURATE OR UP-TO-DATE, OR FREE FROM MISTAKES OR ERRORS; OR \\(ii\\) THE OPERATION OR AVAILABILITY OF THE SYSTEM WILL BE UNINTERRUPTED OR ERROR FREE. SRR DOES NOT PROVIDE ANY SERVICES WITH RESPECT TO VERIFYING, AND WILL NOT BE LIABLE FOR, ANY DATA SUBMITTED BY AN APPLICANT OR BY A STATE AGENCY, OR FOR ANY OTHER DATA ACCESSIBLE THROUGH THE SYSTEM. STATE AGENCY AGREES THAT IT IS STATE AGENCY'S SOLE RESPONSIBILITY TO REVIEW, VERIFY, QUALIFY AND DETERMINE WHICH APPLICANTS WILL BE APPROVED FOR A LICENSE OR NOT. SRR ONLY WARRANTS THAT THE DATA IS AN ACCURATE REPRESENTATION OF WHAT WAS ENTERED INTO THE SYSTEM BY THE VARIOUS USERS OF THE SYSTEM.\n\n\\(C\\) NOTHING IN THIS SECTION 8 IS INTENDED TO CREATE JOINT AND SEVERAL LIABILITY AMONG STATE AGENCIES USING THE SYSTEM, AND EACH STATE AGENCY WILL REMAIN LIABLE FOR ITS OWN ACTS OR OMISSIONS AND NOT THOSE OF ANOTHER STATE AGENCY, SRR ORTHIRD- PARTY USERS OF THE SYSTEM.\n\n## 9. Limitation of Liability \n\n\\(A\\) IN NO EVENT WILL SRR, ITS AFFILIATES, LICENSORS OR THIRD-PARTY CONTENT PROVIDERS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES ARISING OUT OF THE USE",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_agency.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_agency.md",
      "headings": [
        "State Agency Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fc6 .concept}",
        "1. Agreement {#section_b2s_fwp_qfc .section}",
        "2. Definitions {#section_d4q_3wp_qfc .section}",
        "3. General {#section_ofy_kwp_qfc .section}",
        "4. Data {#section_fdn_q1q_qfc .section}",
        "5. Changes {#section_l14_pwp_qfc .section}",
        "6. Equipment {#section_zzm_qwp_qfc .section}",
        "7. State Agency Conduct {#section_f2h_rwp_qfc .section}",
        "8. Limited Warranty {#section_irn_gxp_qfc .section}",
        "9. Limitation of Liability {#section_hrh_3xp_qfc .section}",
        "10. Indemnification {#section_r4k_jxp_qfc .section}",
        "11. Suspension and Termination {#section_i3d_kxp_qfc .section}",
        "12. Trademarks {#section_ih5_mxp_qfc .section}",
        "13. Third-Party Content {#section_uch_21q_qfc .section}",
        "14. Privacy, Data Retention, and Breach Response {#section_mxt_f1q_qfc .section}",
        "15. Miscellaneous {#section_srz_g1q_qfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_agency.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_agency.md:chunk-14",
      "title": "State Agency Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fc6 .concept}",
      "content": "ility \n\n\\(A\\) IN NO EVENT WILL SRR, ITS AFFILIATES, LICENSORS OR THIRD-PARTY CONTENT PROVIDERS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES ARISING OUT OF THE USE OF OR INABILITY TO USE THE SYSTEM. SRR'S MAXIMUM LIABILITY TO STATE AGENCY FOR ALL DAMAGES ARISING FROM THE USE OF OR INABILITY TO USE THE SYSTEM WILL BE LIMITED TO THE SYSTEM PROCESSING FEES RETAINED BY SRR IN CONNECTION WITH THE SERVICES PROVIDED BY SRR TO STATE AGENCY PURSUANT TO SECTION 3\\(C\\) DURING THE 12-MONTH PERIOD IMMEDIATELY PRECEDING STATE AGENCY'S NOTIFICATION OF SUCH CLAIM.\n\n\\(B\\) WITHOUT LIMITING THE FOREGOING PARAGRAPH IN ANY WAY, THE LIMITATION OF LIABILITY SET OUT IN THIS SECTION 9 APPLIES TO ALL DAMAGES CAUSED BY ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS, COMMUNICATION LINE FAILURE, THEFT OR DESTRUCTION OR UNAUTHORIZED ACCESS TO, ALTERATION OF, OR USE OF A RECORD, DELAY OR INTERRUPTION IN THE TRANSMISSION OF DATA TO THE STATE AGENCY, DISCIPLINARY OR REGULATORY ACTION, REGARDLESS OF THE THEORY OF LIABILITY. SRR AND ITS AFFILIATES ARE NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE OR ILLEGAL CONDUCT OF OTHER STATE AGENCIES, APPLICANTS OR THIRD PARTIES.\n\n\\(C\\) NOTHING IN SECTIONS 9\\(A\\) OR \\(B\\) LIMITS SRR'S OR LICENSORS' LIABILITY FOR SRR'S OR LICENSORS' INTENTIONAL OR WILFUL MISCONDUCT, UNLAWFUL ACTS, BAD FAITH, OR FRAUDULENT CONDUCT. THE FOREGOING LIMITATION OF LIABILITY ALSO DOES NOT LIMIT SRR'S OR LICENSORS' LIABILITY FOR DEATH, PERSONAL INJURY, OR DAMAGE TO REAL PROPERTY OR ANY OBLIGATIONS OR LIABILITY OF LICENSORS FOR INTELLECTUAL PROPERTY INFRINGEMENT.\n\n## 10. Indemnification \n\nTo the extent permitted by applicable law, State Agency agrees to defend, indemnify and hold harmless SRR, its affiliates and Licensors and their respective directors, officers, employees and agents from and against all claims and expenses, including attorneys' fees, arising out of the use of ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_agency.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_agency.md",
      "headings": [
        "State Agency Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fc6 .concept}",
        "1. Agreement {#section_b2s_fwp_qfc .section}",
        "2. Definitions {#section_d4q_3wp_qfc .section}",
        "3. General {#section_ofy_kwp_qfc .section}",
        "4. Data {#section_fdn_q1q_qfc .section}",
        "5. Changes {#section_l14_pwp_qfc .section}",
        "6. Equipment {#section_zzm_qwp_qfc .section}",
        "7. State Agency Conduct {#section_f2h_rwp_qfc .section}",
        "8. Limited Warranty {#section_irn_gxp_qfc .section}",
        "9. Limitation of Liability {#section_hrh_3xp_qfc .section}",
        "10. Indemnification {#section_r4k_jxp_qfc .section}",
        "11. Suspension and Termination {#section_i3d_kxp_qfc .section}",
        "12. Trademarks {#section_ih5_mxp_qfc .section}",
        "13. Third-Party Content {#section_uch_21q_qfc .section}",
        "14. Privacy, Data Retention, and Breach Response {#section_mxt_f1q_qfc .section}",
        "15. Miscellaneous {#section_srz_g1q_qfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_agency.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_agency.md:chunk-15",
      "title": "State Agency Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fc6 .concept}",
      "content": "armless SRR, its affiliates and Licensors and their respective directors, officers, employees and agents from and against all claims and expenses, including attorneys' fees, arising out of the use of the System by State Agency or State Agency's Account.\n\n## 11. Suspension and Termination \n\n\\(A\\) State Agency may terminate this Agreement for any reason upon thirty \\(30\\) days advance notice to SRR.\n\n\\(B\\) SRR may temporarily suspend the rights granted State Agency pursuant to this Agreement and State Agency's and its Applicant's access to the System in the event of any conduct by State Agency that SRR reasonably determines is jeopardizing the System's integrity or functionality, or in the event of any breach by State Agency of this Agreement. SRR will notify State Agency of such suspension as soon thereafter as practicable.\n\n\\(C\\) SRR may, upon a unanimous vote of the SRR Board of Managers, terminate State Agency's Account, State Agency's participation in and use of the System and this Agreement in the event of any conduct by State Agency that SRR, in its sole determination, considers to be unacceptable, or in the event of any breach by State Agency of this Agreement. Such termination will be effective, at the discretion of the SRR Board of Managers, upon a period no less than thirty \\(30\\) days and no more than six \\(6\\) months from the date SRR notifies State Agency of such termination. State Agency may download Applicant Data, Examination Data or Complaint Data that it owns from the System during such period, provided that State Agency pay the reasonable costs associated therewith as determined by the SRR Board of Managers.\n\n\\(D\\) The provisions of Sections 3, 4, 7, 8, 9, 10 and this Section 11 will survive termination of this Agreement.\n\n## 12. Trademarks \n\n“SRR”, “NMLSR”, “NMLS”, “Nationwide Mortgage Licensing System”, “Nationwide Multistate Licensing System”, “Nationwide Mortgage Licensing System and Registry” and associated logos are trademarks and/or service ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_agency.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_agency.md",
      "headings": [
        "State Agency Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fc6 .concept}",
        "1. Agreement {#section_b2s_fwp_qfc .section}",
        "2. Definitions {#section_d4q_3wp_qfc .section}",
        "3. General {#section_ofy_kwp_qfc .section}",
        "4. Data {#section_fdn_q1q_qfc .section}",
        "5. Changes {#section_l14_pwp_qfc .section}",
        "6. Equipment {#section_zzm_qwp_qfc .section}",
        "7. State Agency Conduct {#section_f2h_rwp_qfc .section}",
        "8. Limited Warranty {#section_irn_gxp_qfc .section}",
        "9. Limitation of Liability {#section_hrh_3xp_qfc .section}",
        "10. Indemnification {#section_r4k_jxp_qfc .section}",
        "11. Suspension and Termination {#section_i3d_kxp_qfc .section}",
        "12. Trademarks {#section_ih5_mxp_qfc .section}",
        "13. Third-Party Content {#section_uch_21q_qfc .section}",
        "14. Privacy, Data Retention, and Breach Response {#section_mxt_f1q_qfc .section}",
        "15. Miscellaneous {#section_srz_g1q_qfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_agency.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_agency.md:chunk-16",
      "title": "State Agency Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fc6 .concept}",
      "content": "MLSR”, “NMLS”, “Nationwide Mortgage Licensing System”, “Nationwide Multistate Licensing System”, “Nationwide Mortgage Licensing System and Registry” and associated logos are trademarks and/or service marks of SRR. All rights reserved.\n\n## 13. Third-Party Content \n\n\\(A\\) Use of some third-party materials included on the System may be subject to other terms and conditions typically found in a separate license agreement or “Read Me” file located near such materials. SRR is a distributor \\(and not a publisher\\) of content supplied by State Agency and Third-Party Content Providers. Accordingly, SRR has no more editorial control over such content than does a public library, bookstore or newsstand. Any opinions, advice, statements, services, offers, or other information or content expressed or made available by third parties, including information providers, state licensing agencies or any other user of the System, are those of the respective author\\(s\\) or distributor\\(s\\) and not of SRR. Neither SRR nor any Third-Party Content Provider guarantees the accuracy, completeness, or usefulness of any content, nor its merchantability or fitness for any particular purpose. \\(Refer to Section 8 and 9 above for the complete provisions governing limitation of liabilities and disclaimers of warranty.\\)\n\n\\(B\\) In many instances, the information available through the System represents the opinions and judgments of the respective Third-Party Content Provider, State Agency or other user not under contract with SRR. SRR neither endorses nor is responsible for the accuracy or reliability of any opinion, advice or statement made on the System by anyone other than authorized SRR employee spokespersons while acting in their official capacities. Under no circumstances will SRR be liable for any loss or damage caused by State Agency's reliance on information obtained through the System. It is the responsibility of State Agency to evaluate the accuracy, completeness or usefulness of any informa",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_agency.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_agency.md",
      "headings": [
        "State Agency Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fc6 .concept}",
        "1. Agreement {#section_b2s_fwp_qfc .section}",
        "2. Definitions {#section_d4q_3wp_qfc .section}",
        "3. General {#section_ofy_kwp_qfc .section}",
        "4. Data {#section_fdn_q1q_qfc .section}",
        "5. Changes {#section_l14_pwp_qfc .section}",
        "6. Equipment {#section_zzm_qwp_qfc .section}",
        "7. State Agency Conduct {#section_f2h_rwp_qfc .section}",
        "8. Limited Warranty {#section_irn_gxp_qfc .section}",
        "9. Limitation of Liability {#section_hrh_3xp_qfc .section}",
        "10. Indemnification {#section_r4k_jxp_qfc .section}",
        "11. Suspension and Termination {#section_i3d_kxp_qfc .section}",
        "12. Trademarks {#section_ih5_mxp_qfc .section}",
        "13. Third-Party Content {#section_uch_21q_qfc .section}",
        "14. Privacy, Data Retention, and Breach Response {#section_mxt_f1q_qfc .section}",
        "15. Miscellaneous {#section_srz_g1q_qfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_agency.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_agency.md:chunk-17",
      "title": "State Agency Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fc6 .concept}",
      "content": "oss or damage caused by State Agency's reliance on information obtained through the System. It is the responsibility of State Agency to evaluate the accuracy, completeness or usefulness of any information, opinion, advice or other content available through the System. Please seek the advice of professionals, as appropriate, regarding the evaluation of any specific information, opinion, advice or other content.\n\n\\(C \\)The System may contain links to websites operated by persons or entities other than SRR. Such links to other websites, whether to a home page or some other page on a website, are provided for State Agency's reference and convenience only. State Agency agrees not to hold SRR responsible for the content or operation of such websites. A link from the System to another website does not imply or mean that SRR endorses the content on that website or the operator or operations of that website. State Agency is solely responsible for determining the extent to which State Agency may use any content at any other websites to which the System links.\n\n## 14. Privacy, Data Retention, and Breach Response \n\n\\(A\\) Applicant Data, Examination Data, and Complaint Data owned by State Agency will be treated by State Agency in accordance with its respective state privacy and public information laws. To the extent permissible by State Agency's state privacy and public information laws, all Applicant Data, Examination Data, and Complaint Data is also subject to the System Privacy Notice. If State Agency receives a public information request seeking Shared Information that is not owned by State Agency \\(as provided for in Section 4\\) State Agency will, to the extent permitted by State Agency's public information laws and 12 U.S.C 5111, either refuse to release the Shared Information that it does not own or notify the other state agencies whose data is subject to the request about the request so that the other state agency may seek a court order enjoining the release of the data ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_agency.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_agency.md",
      "headings": [
        "State Agency Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fc6 .concept}",
        "1. Agreement {#section_b2s_fwp_qfc .section}",
        "2. Definitions {#section_d4q_3wp_qfc .section}",
        "3. General {#section_ofy_kwp_qfc .section}",
        "4. Data {#section_fdn_q1q_qfc .section}",
        "5. Changes {#section_l14_pwp_qfc .section}",
        "6. Equipment {#section_zzm_qwp_qfc .section}",
        "7. State Agency Conduct {#section_f2h_rwp_qfc .section}",
        "8. Limited Warranty {#section_irn_gxp_qfc .section}",
        "9. Limitation of Liability {#section_hrh_3xp_qfc .section}",
        "10. Indemnification {#section_r4k_jxp_qfc .section}",
        "11. Suspension and Termination {#section_i3d_kxp_qfc .section}",
        "12. Trademarks {#section_ih5_mxp_qfc .section}",
        "13. Third-Party Content {#section_uch_21q_qfc .section}",
        "14. Privacy, Data Retention, and Breach Response {#section_mxt_f1q_qfc .section}",
        "15. Miscellaneous {#section_srz_g1q_qfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_agency.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_agency.md:chunk-18",
      "title": "State Agency Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fc6 .concept}",
      "content": " that it does not own or notify the other state agencies whose data is subject to the request about the request so that the other state agency may seek a court order enjoining the release of the data if such release would violate the other states' law.\n\n\\(B\\) SRR maintains the System Privacy Notice, which SRR will abide by and may amend from time to time pursuant to its terms. State Agency agrees that, as a result of the potential co ownership of Applicant Data, Examination Data and Complaint Data, State Agency will not be able to request the destruction of Applicant Data, Examination Data and Complaint Data on the System.\n\n\\(C\\) In the event of a security or privacy breach, State Agency authorizes SRR and SRR agrees to be solely responsible for any notification to affected individuals and any public communications regarding such breach. State Agency will assist SRR in complying with state law and SRR agrees to so comply. State Agency will be responsible, with coordination from SRR, for communications within its respective state agency or government \\(e.g., governor, attorney general\\).\n\n## 15. Miscellaneous \n\n\\(A\\) \\(1\\) All notices and communications to State Agency hereunder will be deemed to have been duly given and made if sent or made by registered or certified mail \\(return receipt requested\\), fax, or e-mail \\(provided that receipt of the fax or e-mail notice or communication is promptly confirmed by telephone or e-mail confirmation thereof\\) to a designated System administrator appointed by State Agency, using the contact information provided for the System administrator.\n\n\\(2\\) All notices and communications to SRR hereunder must be in writing and will be deemed to have been duly given and made when received if \\(i\\) served by personal delivery upon SRR, \\(ii\\) delivered by registered or certified mail, return receipt requested, to 1300 I Street, NW, Suite 700 East Washington, D.C. 20005, Attention: SRR President and CEO with a cc to CSBS General Counsel, ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_agency.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_agency.md",
      "headings": [
        "State Agency Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fc6 .concept}",
        "1. Agreement {#section_b2s_fwp_qfc .section}",
        "2. Definitions {#section_d4q_3wp_qfc .section}",
        "3. General {#section_ofy_kwp_qfc .section}",
        "4. Data {#section_fdn_q1q_qfc .section}",
        "5. Changes {#section_l14_pwp_qfc .section}",
        "6. Equipment {#section_zzm_qwp_qfc .section}",
        "7. State Agency Conduct {#section_f2h_rwp_qfc .section}",
        "8. Limited Warranty {#section_irn_gxp_qfc .section}",
        "9. Limitation of Liability {#section_hrh_3xp_qfc .section}",
        "10. Indemnification {#section_r4k_jxp_qfc .section}",
        "11. Suspension and Termination {#section_i3d_kxp_qfc .section}",
        "12. Trademarks {#section_ih5_mxp_qfc .section}",
        "13. Third-Party Content {#section_uch_21q_qfc .section}",
        "14. Privacy, Data Retention, and Breach Response {#section_mxt_f1q_qfc .section}",
        "15. Miscellaneous {#section_srz_g1q_qfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_agency.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_agency.md:chunk-19",
      "title": "State Agency Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fc6 .concept}",
      "content": ") delivered by registered or certified mail, return receipt requested, to 1300 I Street, NW, Suite 700 East Washington, D.C. 20005, Attention: SRR President and CEO with a cc to CSBS General Counsel, \\(iii\\) sent by fax to \\(202\\) 296-1928, Attention: SRR President and CEO and CSBS General Counsel or \\(iv\\) sent by e-mail to SRRnotifications@csbs.org, provided that receipt of the fax or e-mail notice or communication is promptly confirmed by telephone or email confirmation thereof.\n\n\\(B\\) All use of the System and the export, re-export or distribution of SRR software products are subject to U.S. economic sanction laws and regulations administered by the U.S. Treasury Office of Foreign Assets Control and other agencies, including the Office of Export Enforcement of the Department of Commerce. These agencies maintain and update lists of prohibited countries and individuals and administer sanctions against U.S. corporations and individuals conducting business with designated entities.\n\n\\(C\\) This Agreement and any letter agreement\\(s\\) between SRR and State Agency that explicitly references this Agreement together constitute the entire agreement of the parties with respect to the subject matter hereof and supersede all previous written or oral agreements between the parties with respect to such subject matter. In the event of any inconsistency or conflict between this Agreement and any such letter agreement, the terms of such letter agreement\\(s\\) will govern.\n\n\\(D\\) This Agreement will be construed in accordance with the laws of the Commonwealth of Virginia, without regard to its conflict of laws rules. The parties hereto also agree that any claim brought under this Agreement may be commenced by SRR or State Agency only in the County of Arlington, Virginia. The parties hereto expressly waive any right to a jury trial.\n\n\\(E\\) No waiver by either party of any breach or default hereunder will be deemed to be a waiver of any preceding or subsequent breach or default.\n\n\\(F",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_agency.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_agency.md",
      "headings": [
        "State Agency Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fc6 .concept}",
        "1. Agreement {#section_b2s_fwp_qfc .section}",
        "2. Definitions {#section_d4q_3wp_qfc .section}",
        "3. General {#section_ofy_kwp_qfc .section}",
        "4. Data {#section_fdn_q1q_qfc .section}",
        "5. Changes {#section_l14_pwp_qfc .section}",
        "6. Equipment {#section_zzm_qwp_qfc .section}",
        "7. State Agency Conduct {#section_f2h_rwp_qfc .section}",
        "8. Limited Warranty {#section_irn_gxp_qfc .section}",
        "9. Limitation of Liability {#section_hrh_3xp_qfc .section}",
        "10. Indemnification {#section_r4k_jxp_qfc .section}",
        "11. Suspension and Termination {#section_i3d_kxp_qfc .section}",
        "12. Trademarks {#section_ih5_mxp_qfc .section}",
        "13. Third-Party Content {#section_uch_21q_qfc .section}",
        "14. Privacy, Data Retention, and Breach Response {#section_mxt_f1q_qfc .section}",
        "15. Miscellaneous {#section_srz_g1q_qfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_agency.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_agency.md:chunk-20",
      "title": "State Agency Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fc6 .concept}",
      "content": "reto expressly waive any right to a jury trial.\n\n\\(E\\) No waiver by either party of any breach or default hereunder will be deemed to be a waiver of any preceding or subsequent breach or default.\n\n\\(F\\) If any of the provisions of this Agreement, or the application thereof to any individual, entity or circumstance, is deemed to any extent to be invalid or unenforceable, the remainder of this Agreement, or the application of such terms or provisions to persons or circumstances other than those as to which they are invalid or unenforceable, will not be affected thereby, and each term and provision of this Agreement will be valid and enforceable to the fullest extent permitted by law.\n\n\\(G\\) Except as otherwise set forth in this Agreement, no third party will be entitled to enforce the provisions of this Agreement against the respective parties as third-party beneficiaries thereof. Applicants are not third-party beneficiaries under this Agreement under any circumstances.\n\n\\(H\\) The section headings used herein are for convenience only and are not be given any legal import. \\(I\\) This Agreement will be binding upon and inure to the benefit of the parties hereto and their respective successors, legal representatives and permitted assigns. No party to this Agreement may assign any of its rights or delegate any of its obligations under this Agreement, other than to an affiliate, without the prior written consent of the other party hereto.\n\nEXHIBIT A - Schedule of System Availability\n\nTechnical Requirements\n\nCSBS Privacy Policy\n\n**Parent topic:**NMLS System Policies and Terms of Use",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_agency.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_agency.md",
      "headings": [
        "State Agency Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fc6 .concept}",
        "1. Agreement {#section_b2s_fwp_qfc .section}",
        "2. Definitions {#section_d4q_3wp_qfc .section}",
        "3. General {#section_ofy_kwp_qfc .section}",
        "4. Data {#section_fdn_q1q_qfc .section}",
        "5. Changes {#section_l14_pwp_qfc .section}",
        "6. Equipment {#section_zzm_qwp_qfc .section}",
        "7. State Agency Conduct {#section_f2h_rwp_qfc .section}",
        "8. Limited Warranty {#section_irn_gxp_qfc .section}",
        "9. Limitation of Liability {#section_hrh_3xp_qfc .section}",
        "10. Indemnification {#section_r4k_jxp_qfc .section}",
        "11. Suspension and Termination {#section_i3d_kxp_qfc .section}",
        "12. Trademarks {#section_ih5_mxp_qfc .section}",
        "13. Third-Party Content {#section_uch_21q_qfc .section}",
        "14. Privacy, Data Retention, and Breach Response {#section_mxt_f1q_qfc .section}",
        "15. Miscellaneous {#section_srz_g1q_qfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_agency.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_federalAgency.md:chunk-0",
      "title": "Federal Agency Terms of Use {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7ffd .concept}",
      "content": "# Federal Agency Terms of Use \n\nNMLS user agreement for Federal Agency users.\n\nThis system is for authorized use only. The system usage may be monitored, recorded, read, captured, or subject to audit in any manner by authorized personnel. Accessing and using this system constitutes consent to having system use monitored and recorded. Unauthorized use is prohibited and subject to not only revocation of access but also criminal and/or civil penalties due to violation of Federal and/or State laws. If criminal activity is discovered, the information will be provided to the appropriate law enforcement officials. Suspected access or use violations should be reported to the CSBS Chief Information Security Officer at security@csbs.org.\n\n## 1. General \n\n\\(A\\) These terms of use \\(these “Terms of Use”\\) are an agreement between SRR and each Agency with regard to such Agency’s use of, and access to, NMLSR and any software applications, materials or services accessible via NMLSR \\(collectively, “use of NMLSR” or “use NMLSR”\\). The use of NMLSR is conditioned upon the acceptance of all provisions of these Terms of Use, and such use must be in accordance with these Terms of Use. Terms used but not defined herein shall have the meaning ascribed to them in Contract No. CC-09-HQ-R-0066 \\(the “Contract”\\).\n\n\\(B\\) The Agency is responsible for all use of NMLSR under its account \\(under any username or password\\) and for ensuring that all such use complies fully with these Terms of Use.\n\n\\(C\\) For so long as the Agency complies with the Contract and these Terms of Use, SRR grants to the Agency a non-exclusive license to use NMLSR.\n\n\\(D\\) The Federal Agency designates SRR as its agent for the purposes of collecting Registrant Data and maintaining a database and links to third-party databases with information supplied by, or relevant to, Registrants. SRR will have no right to bind the Federal Agency with respect to any of the Federal Agency’s registration requirements.\n\n\\(E\\) Any dispute",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_federalAgency.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_federalAgency.md",
      "headings": [
        "Federal Agency Terms of Use {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7ffd .concept}",
        "1. General {#section_qgp_zh2_rfc .section}",
        "2. Use of NMLSR {#section_m5h_3m2_rfc .section}",
        "3. Equipment {#section_o32_pm2_rfc .section}",
        "4. Agency Conduct {#section_ixl_rm2_rfc .section}",
        "5. Limited Warranty {#section_khn_vm2_rfc .section}",
        "6. Limitation of Liability {#section_cf1_jn2_rfc .section}",
        "7. Trademarks {#section_lxd_jn2_rfc .section}",
        "8. Third-Party Content {#section_fsq_pn2_rfc .section}",
        "9. Miscellaneous {#section_fms_tn2_rfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_federalAgency.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_federalAgency.md:chunk-1",
      "title": "Federal Agency Terms of Use {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7ffd .concept}",
      "content": "s with information supplied by, or relevant to, Registrants. SRR will have no right to bind the Federal Agency with respect to any of the Federal Agency’s registration requirements.\n\n\\(E\\) Any disputes between SRR and a Registrant regarding Federal Registration will be handled in the following manner:\n\n-   1\\) First, SRR will attempt to resolve the issue through its Customer Service Center \\(CSC\\);\n-   2\\) If a dispute cannot be resolved through the CSC, SRR staff will attempt to resolve the dispute; and\n-   3\\) If SRR staff cannot resolve the dispute, the Federal Agency will handle the dispute.\n\n\\(F\\) SRR will undertake commercially reasonable efforts to maintain the Agency’s ability to use NMLSR in the manner contemplated by these Terms of Use and the Contract.\n\n\\(G\\) The Agency is responsible for protecting the confidentiality of its log in information \\(including usernames and passwords\\). The Agency agrees to notify SRR immediately if it becomes aware of the loss, theft or unauthorized use of any username or password, or unauthorized use of or access to NMLSR or any of the materials, software applications or services available thereunder.\n\n\\(H\\) To the extent that the U.S. government or U.S. government agencies are end users hereunder, you acknowledge and agree that all products, material, software, documentation, and publications provided or licensed hereunder are provided as “commercial computer software” if computer software and “commercial computer software documentation” if technical data, as those terms are used in Section 12.211 and 12.212 of the Federal Acquisition Regulation \\(FAR\\), or, if applicable, in Section 227.7202-3 of the Defense Federal Acquisition Regulation Supplement \\(DFARS\\), and that the government shall acquire only those rights in such technical data and/or computer software as are customarily applicable for commercial items. Except as expressly set forth to the contrary herein, computer software acquired hereunder further constitutes",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_federalAgency.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_federalAgency.md",
      "headings": [
        "Federal Agency Terms of Use {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7ffd .concept}",
        "1. General {#section_qgp_zh2_rfc .section}",
        "2. Use of NMLSR {#section_m5h_3m2_rfc .section}",
        "3. Equipment {#section_o32_pm2_rfc .section}",
        "4. Agency Conduct {#section_ixl_rm2_rfc .section}",
        "5. Limited Warranty {#section_khn_vm2_rfc .section}",
        "6. Limitation of Liability {#section_cf1_jn2_rfc .section}",
        "7. Trademarks {#section_lxd_jn2_rfc .section}",
        "8. Third-Party Content {#section_fsq_pn2_rfc .section}",
        "9. Miscellaneous {#section_fms_tn2_rfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_federalAgency.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_federalAgency.md:chunk-2",
      "title": "Federal Agency Terms of Use {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7ffd .concept}",
      "content": "chnical data and/or computer software as are customarily applicable for commercial items. Except as expressly set forth to the contrary herein, computer software acquired hereunder further constitutes “restricted computer software” as that term is defined in FAR Section 52.227-14.\n\n## 2. Use of NMLSR \n\n\\(A\\) The Agency’s right to use NMLSR is limited \\(i\\) to use for the purpose of complying with, or satisfying such Agency’s obligations under, the S.A.F.E. Act, Pub. L. No. 110-289, 122 Stat. 2654 \\(July 30, 2008\\) or any implementing regulations under such Act, \\(ii\\) for other governmental supervisory, regulatory and enforcement purposes, and \\(iii\\) in conformance with the Contract and these Terms of Use.\n\n\\(B\\) The Agency agrees that it will not, nor permit anyone else to, use any data mining, robots, or similar data-gathering and extraction methods to monitor or copy NMLSR or the software applications, materials or services accessible through NMLSR in bulk, or to make voluminous, excessive or repetitive requests for information that reduce the speed and efficiency of NMLSR. The Agency further agrees that it will not, nor permit anyone else to, use any device, software or routine to bypass any software or hardware that prohibits volume requests for information. The Agency will not, nor permit anyone else to, interfere with or attempt to interfere with the proper working of NMLSR or the software applications, materials or services accessible through NMLSR, and the Agency will not, nor permit anyone else to, take any action that imposes an unreasonable or disproportionately large load on NMLSR. To the extent to which the Agency wishes to data mine or otherwise manipulate Data in a manner that may reduce the speed and efficiency of NMLSR, the Agency agrees that it must first obtain the permission of SRR and the Agency and SRR agree to cooperate with each other to either download such data and perform the mining or other manipulation offline, or otherwise conduct suc",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_federalAgency.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_federalAgency.md",
      "headings": [
        "Federal Agency Terms of Use {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7ffd .concept}",
        "1. General {#section_qgp_zh2_rfc .section}",
        "2. Use of NMLSR {#section_m5h_3m2_rfc .section}",
        "3. Equipment {#section_o32_pm2_rfc .section}",
        "4. Agency Conduct {#section_ixl_rm2_rfc .section}",
        "5. Limited Warranty {#section_khn_vm2_rfc .section}",
        "6. Limitation of Liability {#section_cf1_jn2_rfc .section}",
        "7. Trademarks {#section_lxd_jn2_rfc .section}",
        "8. Third-Party Content {#section_fsq_pn2_rfc .section}",
        "9. Miscellaneous {#section_fms_tn2_rfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_federalAgency.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_federalAgency.md:chunk-3",
      "title": "Federal Agency Terms of Use {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7ffd .concept}",
      "content": "first obtain the permission of SRR and the Agency and SRR agree to cooperate with each other to either download such data and perform the mining or other manipulation offline, or otherwise conduct such mining or other manipulation without impairing NMLSR.\n\n\\(C\\) Notwithstanding Section 2\\(B\\), an Agency may, without the prior approval of SRR, download Registrant Data for which it is a Relevant Agency and access status reports in accordance with the Contract. In addition, financial institutions may download information from NMLRS via the standard NMLS reporting tool without prior approval of SRR in accordance with Contract No. CC-HQ-R-09-0066.\n\n## 3. Equipment \n\nThe Agency is responsible for obtaining and maintaining all equipment required for its use of NMLSR and its charges and costs related thereto.\n\n## 4. Agency Conduct \n\n\\(A\\) The Agency, including its employees, agents, and contractors, may use NMLSR only in accordance with Section 2\\(A\\). The Agency may not post or transmit through NMLSR any material that violates or infringes in any way upon the rights of others, that is unlawful, threatening, abusive, defamatory, invasive of privacy or publicity rights, vulgar, obscene, profane or otherwise objectionable, that encourages conduct that would constitute a criminal offense, give rise to civil liability to SRR or otherwise violate any law, or that, without SRR’s express prior written approval, contains advertising or any solicitation with respect to products or services. The Agency may not engage in conduct that restricts or inhibits any other Agency from using or enjoying NMLSR or the software applications, materials and services accessible through NMLSR. The Agency may not use NMLSR to advertise or perform any commercial solicitation.\n\n\\(B\\) NMLSR and the software applications, content or services accessible through NMLSR contain copyrighted material, trademarks and other proprietary information. With the exception of the Registrant Data and any Federal Agency ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_federalAgency.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_federalAgency.md",
      "headings": [
        "Federal Agency Terms of Use {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7ffd .concept}",
        "1. General {#section_qgp_zh2_rfc .section}",
        "2. Use of NMLSR {#section_m5h_3m2_rfc .section}",
        "3. Equipment {#section_o32_pm2_rfc .section}",
        "4. Agency Conduct {#section_ixl_rm2_rfc .section}",
        "5. Limited Warranty {#section_khn_vm2_rfc .section}",
        "6. Limitation of Liability {#section_cf1_jn2_rfc .section}",
        "7. Trademarks {#section_lxd_jn2_rfc .section}",
        "8. Third-Party Content {#section_fsq_pn2_rfc .section}",
        "9. Miscellaneous {#section_fms_tn2_rfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_federalAgency.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_federalAgency.md:chunk-4",
      "title": "Federal Agency Terms of Use {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7ffd .concept}",
      "content": "applications, content or services accessible through NMLSR contain copyrighted material, trademarks and other proprietary information. With the exception of the Registrant Data and any Federal Agency Property \\(defined below\\), SRR owns or has rights to NMLSR and all software applications, content and services accessible through NMLSR, and no rights thereto are conferred by virtue of these Terms of Use or the Contract except to the extent expressly granted herein or therein. The Agency owns or controls the use of any logo, trademarks or content it has uploaded or provided for display on NMLSR \\(“Federal Agency Property”\\) and grants SRR the right to copy, process, store and distribute Federal Agency Property solely for the purpose of SRR’s performance of its obligations under these Terms of Use and/or the Contract. NMLSR and the software applications, materials or services accessible through NMLSR contain links to, and accesses proprietary databases of, SRR and third parties and employs proprietary software of SRR and third parties. Except as authorized by the Contract and/or these Terms of Use, the Agency may not modify, publish, transmit, participate in the transfer or sale, create derivative works, or in any way exploit, any of the software applications, materials or services hosted on or obtained from NMLSR or the software applications, materials or services accessible through NMLSR, in whole or in part, without the express permission of SRR or the applicable owner thereof. In the event of any permitted copying, redistribution or publication of content obtained from NMLSR, no changes in, or deletion of, author attribution, trademark legend or copyright notice may be made. For purposes of clarification, the provisions contained in this Section 4\\(B\\) apply only to the intellectual property of SRR, its affiliates and third-party contractors and exclude, without limitation, the Registrant Data.\n\n\\(C\\) The Agency may not upload, post or otherwise make available on N",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_federalAgency.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_federalAgency.md",
      "headings": [
        "Federal Agency Terms of Use {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7ffd .concept}",
        "1. General {#section_qgp_zh2_rfc .section}",
        "2. Use of NMLSR {#section_m5h_3m2_rfc .section}",
        "3. Equipment {#section_o32_pm2_rfc .section}",
        "4. Agency Conduct {#section_ixl_rm2_rfc .section}",
        "5. Limited Warranty {#section_khn_vm2_rfc .section}",
        "6. Limitation of Liability {#section_cf1_jn2_rfc .section}",
        "7. Trademarks {#section_lxd_jn2_rfc .section}",
        "8. Third-Party Content {#section_fsq_pn2_rfc .section}",
        "9. Miscellaneous {#section_fms_tn2_rfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_federalAgency.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_federalAgency.md:chunk-5",
      "title": "Federal Agency Terms of Use {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7ffd .concept}",
      "content": "e intellectual property of SRR, its affiliates and third-party contractors and exclude, without limitation, the Registrant Data.\n\n\\(C\\) The Agency may not upload, post or otherwise make available on NMLSR or the software applications, content or services accessible through NMLSR, any material protected by copyright, trademark or other proprietary right without the express written permission of the owner of the copyright, trademark or other proprietary right and the burden of determining that any material is not protected by law rests with the Agency. The Agency will be solely liable for any damage resulting from any infringement of copyrights, proprietary rights, or any other harm resulting from such a submission made by the Agency.\n\n## 5. Limited Warranty \n\n\\(A\\) SRR REPRESENTS AND WARRANTS THAT THE SERVICES WILL BE PROVIDED IN A REASONABLE AND WORKMANLIKE MANNER, AND THAT IT WILL USE REASONABLE EFFORTS TO MAINTAIN AND KEEP AVAILABLE VIA THE INTERNET, NMLSR, WHICH, FOR PURPOSES OF SECTIONS 5 AND 6 ALSO INCLUDES ALL CONTENT, DATA, INFORMATION AND FUNCTIONS ASSOCIATED WITH OR AVAILABLE THROUGH THE SYSTEM.\n\n\\(B\\) EXCEPT AS EXPRESSLY STATED IN THIS SECTION 5 or as otherwise expressly stated in the Contract, THE SYSTEM IS PROVIDED “AS IS” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, OTHER THAN THOSE WARRANTIES THAT ARE INCAPABLE OF EXCLUSION, RESTRICTION OR MODIFICATION BY VIRTUE OF THE LAWS APPLICABLE TO THESE TERMS OF USE AND TO THE CONTRACT. SRR DOES NOT WARRANT THAT \\(I\\) THE CONTENT, DATA, INFORMATION OR FUNCTIONS ASSOCIATED WITH OR AVAILABLE THROUGH NMLSR WILL BE TIMELY, ACCURATE OR UP-TO-DATE, OR FREE FROM MISTAKES OR ERRORS; OR \\(II\\) THE OPERATION OR AVAILABILITY OF THE SYSTEM WILL BE UNINTERRUPTED OR ERROR-FREE. SRR DOES NOT PROVIDE ANY SERVICES WITH RESPECT TO VERIFYING, AND WILL NOT BE LIABLE FOR ANY DATA SUBMITTED BY A REGISTRANT OR BY THE AGENCY, OR FOR ANY OTHER D",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_federalAgency.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_federalAgency.md",
      "headings": [
        "Federal Agency Terms of Use {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7ffd .concept}",
        "1. General {#section_qgp_zh2_rfc .section}",
        "2. Use of NMLSR {#section_m5h_3m2_rfc .section}",
        "3. Equipment {#section_o32_pm2_rfc .section}",
        "4. Agency Conduct {#section_ixl_rm2_rfc .section}",
        "5. Limited Warranty {#section_khn_vm2_rfc .section}",
        "6. Limitation of Liability {#section_cf1_jn2_rfc .section}",
        "7. Trademarks {#section_lxd_jn2_rfc .section}",
        "8. Third-Party Content {#section_fsq_pn2_rfc .section}",
        "9. Miscellaneous {#section_fms_tn2_rfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_federalAgency.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_federalAgency.md:chunk-6",
      "title": "Federal Agency Terms of Use {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7ffd .concept}",
      "content": "TEM WILL BE UNINTERRUPTED OR ERROR-FREE. SRR DOES NOT PROVIDE ANY SERVICES WITH RESPECT TO VERIFYING, AND WILL NOT BE LIABLE FOR ANY DATA SUBMITTED BY A REGISTRANT OR BY THE AGENCY, OR FOR ANY OTHER DATA ACCESSIBLE THROUGH NMLSR.\n\n## 6. Limitation of Liability \n\nNotwithstanding anything to the contrary, SRR’s and SRR’s affiliates’ and subcontractors’ liability to the Agencies arising out of any act or omission of SRR or its affiliates or subcontractors in connection with this Contract shall be limited to $5,000,000. In addition, SRR and the Agencies acknowledge that SRR’s liability is limited to the extent provided in section 1513 of the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 \\(12 U.S.C. §5112\\). The foregoing limit shall not apply to any third party claims.\n\n## 7. Trademarks \n\n“SRR”, “NMLSR”, “NLS” and “NMLS” and associated logos are trademarks and/or service marks of SRR. All rights reserved.\n\n## 8. Third-Party Content \n\n\\(A\\) Use of some third-party materials included on NMLSR or the software applications, content or services accessible through NMLSR may be subject to other terms and conditions typically found in a separate license agreement or “Read Me” file located near such materials. SRR is a distributor \\(and not a publisher\\) of content supplied by the Agency and/or providers of such third-party materials. Accordingly, SRR has no more editorial control over such content than does a public library, bookstore or newsstand. Any opinions, advice, statements, services, offers, or other information or content expressed or made available by third parties, including information providers, state licensing agencies or any other user of NMLSR or the software applications, materials or services accessible through NMLSR, are those of the respective author\\(s\\) or distributor\\(s\\) and not of SRR. Neither SRR nor any provider of such third-party materials guarantees the accuracy, completeness, or usefulness of any content, nor its merchantability o",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_federalAgency.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_federalAgency.md",
      "headings": [
        "Federal Agency Terms of Use {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7ffd .concept}",
        "1. General {#section_qgp_zh2_rfc .section}",
        "2. Use of NMLSR {#section_m5h_3m2_rfc .section}",
        "3. Equipment {#section_o32_pm2_rfc .section}",
        "4. Agency Conduct {#section_ixl_rm2_rfc .section}",
        "5. Limited Warranty {#section_khn_vm2_rfc .section}",
        "6. Limitation of Liability {#section_cf1_jn2_rfc .section}",
        "7. Trademarks {#section_lxd_jn2_rfc .section}",
        "8. Third-Party Content {#section_fsq_pn2_rfc .section}",
        "9. Miscellaneous {#section_fms_tn2_rfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_federalAgency.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_federalAgency.md:chunk-7",
      "title": "Federal Agency Terms of Use {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7ffd .concept}",
      "content": "uthor\\(s\\) or distributor\\(s\\) and not of SRR. Neither SRR nor any provider of such third-party materials guarantees the accuracy, completeness, or usefulness of any content, nor its merchantability or fitness for any particular purpose. \\(Refer to Sections 5 and 6 above for the complete provisions governing disclaimers of warranty and limitation of liabilities.\\)\n\n\\(B\\) In many instances, the information available through NMLSR or the software applications, content or services accessible through NMLSR represents the opinions and judgments of the respective third-party providers thereof, the Agency or other users of NMLSR not under contract with SRR. SRR neither endorses nor is responsible for the accuracy or reliability of any opinion, advice or statement made on NMLSR or the software applications, content or services accessible through NMLSR by anyone other than authorized SRR employee spokespersons while acting in their official capacities. Under no circumstances will SRR be liable for any loss or damage caused by the Agency’s reliance on information obtained through NMLSR or the software applications, materials or services accessible through NMLSR.\n\n\\(C\\) NMLSR may contain hyperlinks to web sites operated by persons or entities other than SRR, State and Federal Agencies and vendors under contract for SAFE Act required functionality, but only with the Agencies’ express written consent, which shall not be unreasonably withheld or delayed. Such hyperlinks to other web sites, whether to a home page or some other page on a web site, are provided for reference and convenience of a user of NMLSR. The Agencies agree not to hold SRR responsible for the content or operation of such web sites. A hyperlink from any web site within NMLSR to another web site does not imply or mean that SRR endorses the content on that web site or the operator or operations of that web site. The Agency is solely responsible for determining the extent to which the Agency may use any content at ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_federalAgency.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_federalAgency.md",
      "headings": [
        "Federal Agency Terms of Use {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7ffd .concept}",
        "1. General {#section_qgp_zh2_rfc .section}",
        "2. Use of NMLSR {#section_m5h_3m2_rfc .section}",
        "3. Equipment {#section_o32_pm2_rfc .section}",
        "4. Agency Conduct {#section_ixl_rm2_rfc .section}",
        "5. Limited Warranty {#section_khn_vm2_rfc .section}",
        "6. Limitation of Liability {#section_cf1_jn2_rfc .section}",
        "7. Trademarks {#section_lxd_jn2_rfc .section}",
        "8. Third-Party Content {#section_fsq_pn2_rfc .section}",
        "9. Miscellaneous {#section_fms_tn2_rfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_federalAgency.html",
      "snippet": null
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      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_federalAgency.md:chunk-8",
      "title": "Federal Agency Terms of Use {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7ffd .concept}",
      "content": "n that SRR endorses the content on that web site or the operator or operations of that web site. The Agency is solely responsible for determining the extent to which the Agency may use any content at any other web sites to which NMLSR links.\n\n## 9. Miscellaneous \n\n\\(A\\) All use of NMLSR and the export, re-export or distribution of SRR software products are subject to U.S. economic sanction laws and regulations administered by the U.S. Treasury Office of Foreign Assets Control and other agencies, including the Office of Export Enforcement of the Department of Commerce. These agencies maintain and update lists of prohibited countries and individuals and administer sanctions against U.S. corporations and individuals conducting business with designated entities.\n\n\\(B\\) Contract No. CC-09-HQ-R-0066 and this Agreement together constitute the entire agreement of the parties with respect to the subject matter hereof, and supersede all previous written or oral agreements between the parties with respect to such subject matter. In the event of any inconsistency or conflict between Contract No. CC-09-HQ-R-0066 and this Agreement, Contract No. CC-09-HQ-R-0066 will govern.\n\n\\(C\\) No waiver by either party of any breach or default hereunder will be deemed to be a waiver of any preceding or subsequent breach or default.\n\n\\(D\\) If any of the provisions of these Terms of Use, or the application thereof to any individual, entity or circumstance, is deemed to any extent be invalid or unenforceable, the remainder of these Terms of Use, or the application of such terms or provisions to persons or circumstances other than those as to which they are invalid or unenforceable, will not be affected thereby, and each term and provision of these Terms of Use will be valid and enforceable to the fullest extent permitted by law.\n\n\\(E\\) Except as otherwise set forth in these Terms of Use, no third party will be entitled to enforce the provisions of these Terms of Use against the respective partie",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_federalAgency.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_federalAgency.md",
      "headings": [
        "Federal Agency Terms of Use {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7ffd .concept}",
        "1. General {#section_qgp_zh2_rfc .section}",
        "2. Use of NMLSR {#section_m5h_3m2_rfc .section}",
        "3. Equipment {#section_o32_pm2_rfc .section}",
        "4. Agency Conduct {#section_ixl_rm2_rfc .section}",
        "5. Limited Warranty {#section_khn_vm2_rfc .section}",
        "6. Limitation of Liability {#section_cf1_jn2_rfc .section}",
        "7. Trademarks {#section_lxd_jn2_rfc .section}",
        "8. Third-Party Content {#section_fsq_pn2_rfc .section}",
        "9. Miscellaneous {#section_fms_tn2_rfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_federalAgency.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_federalAgency.md:chunk-9",
      "title": "Federal Agency Terms of Use {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7ffd .concept}",
      "content": "llest extent permitted by law.\n\n\\(E\\) Except as otherwise set forth in these Terms of Use, no third party will be entitled to enforce the provisions of these Terms of Use against the respective parties as third-party beneficiaries thereof. Registrants are not third-party beneficiaries under these Terms of Use under any circumstances.\n\n\\(F\\) The section headings used herein are for convenience only and are not be given any legal import.\n\n\\(G\\) This Contract will be binding upon and inure to the benefit of the parties hereto and their successors, legal representatives and permitted assigns. No party to this Contract may assign any of its rights or delegate any of its obligations under this Contract, other than to an affiliate or to the Consumer Financial Protection Bureau \\(CFPB\\) or a transferee designated by law to assume responsibility for the functions or obligations of the Agencies under the S.A.F.E . Act, as amended. Assignment to the CFPB or other transferee shall be accomplished by written notice to SRR from the Agencies, and such assignment shall be effective as of the date designated on such written notice. Upon any such assignment, SRR releases any claim or right to proceed against any of the Agencies under this Contract and SRR acknowledges that any claim or right under this Contract that it might have against the Agencies will be against the CFPB or transferee, as applicable.\n\n**Parent topic:**NMLS System Policies and Terms of Use",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_federalAgency.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_federalAgency.md",
      "headings": [
        "Federal Agency Terms of Use {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7ffd .concept}",
        "1. General {#section_qgp_zh2_rfc .section}",
        "2. Use of NMLSR {#section_m5h_3m2_rfc .section}",
        "3. Equipment {#section_o32_pm2_rfc .section}",
        "4. Agency Conduct {#section_ixl_rm2_rfc .section}",
        "5. Limited Warranty {#section_khn_vm2_rfc .section}",
        "6. Limitation of Liability {#section_cf1_jn2_rfc .section}",
        "7. Trademarks {#section_lxd_jn2_rfc .section}",
        "8. Third-Party Content {#section_fsq_pn2_rfc .section}",
        "9. Miscellaneous {#section_fms_tn2_rfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_federalAgency.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_industry.md:chunk-0",
      "title": "Industry Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fcd .concept}",
      "content": "# Industry Terms of Use \n\nNMLS user agreement for Industry users.\n\nThis System is for authorized use only. The System usage may be monitored, recorded, read, captured, or subject to audit in any manner by authorized personnel. Accessing and using this System constitutes consent to having System use monitored and recorded. Unauthorized use is prohibited and subject to not only revocation of access but also criminal and/or civil penalties due to violation of Federal and/or State laws. If criminal activity is discovered, the information will be provided to the appropriate law enforcement officials. Suspected access or use violations should be reported to the CSBS Chief Security Officer at mailto:security@csbs.org.\n\n## 1. Agreement \n\nThis Industry Terms of Use \\(“Agreement”\\) constitutes an agreement between You and State Regulatory Registry LLC \\(“SRR”\\) and governs Your use of the Nationwide Mortgage Licensing System and Registry \\(herein referred to as the “System”, as further defined in 2. Definitions\\). You must obtain a username and password and establish an account \\(“Your Account”\\) in order to access the System. You are responsible for all access to and use of the System under Your username and password.\n\n## 2. Definitions \n\nThe following terms have the meanings that follow when used in this Agreement:\n\n-   The term “Application” as used in this Agreement means an application for a License or Registration as a Registered Loan Originator through the System.\n-   The term “Data” as used in this Agreement means \\(i\\) any information submitted in connection with Your Application, the renewal or maintenance of a License or a Registration, satisfaction of relevant federal and state mandated testing and education requirements, or any other supervisory or regulatory matter with respect to You, including but not limited to, any examination or complaint; \\(ii\\) information contained in reports of condition submitted by You or on Your behalf pursuant to the Secure and Fair",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_industry.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_industry.md",
      "headings": [
        "Industry Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fcd .concept}",
        "1. Agreement {#section_ebc_24j_qfc .section}",
        "2. Definitions {#section_vcj_nnj_qfc .section}",
        "3. General {#section_bj3_jnj_qfc .section}",
        "4. Data {#section_jhd_bnj_qfc .section}",
        "5. Changes {#section_ojr_jmj_qfc .section}",
        "6. Equipment {#section_szg_v3j_qfc .section}",
        "7. Your Conduct {#section_us1_n3j_qfc .section}",
        "8. Disclaimer of Warranty; Limitation of Liability {#section_hww_33j_qfc .section}",
        "9. Monitoring {#section_epq_13j_qfc .section}",
        "10. Indemnification {#section_sff_zhj_qfc .section}",
        "11. Termination {#section_l1m_thj_qfc .section}",
        "12. Trademarks {#section_pl2_rhj_qfc .section}",
        "13. Third-Party Content {#section_ypv_nhj_qfc .section}",
        "14. Privacy and Breach Notification {#section_j2l_jhj_qfc .section}",
        "15. Digital Millennium Copyright Act of 1998 \\(“DMCA”\\) Policy: {#section_wkr_hhj_qfc .section}",
        "16. Miscellaneous {#section_hfq_2hj_qfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_industry.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_industry.md:chunk-1",
      "title": "Industry Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fcd .concept}",
      "content": "with respect to You, including but not limited to, any examination or complaint; \\(ii\\) information contained in reports of condition submitted by You or on Your behalf pursuant to the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 \\(12 U.S.C. 5101 et seq.\\) \\(“SAFE Act”\\) and/or other state or federal law, \\(iii\\) the information submitted by a depository institution that employs Registered Loan Originators, and \\(iv\\) any updates to such information, whether permissive or required by law.\n-   The term “License” as used in this Agreement means any license, registration, certificate, designation or exemption or any similar form of authorization granted by a state agency for the purpose of authorizing activities in or relating to a financial services business in such state agency’s state.\n-   The term “Licensor” as used in this Agreement means a third-party contractor who has granted SRR a license to software applications, materials, content or services used in the System. “Licensor” does not include You.\n-   The term “Registered Loan Originator” has the meaning set forth in the SAFE Act.\n-   The term “Registration” as used in this Agreement means registration as a Registered Loan Originator.\n-   The term “Shared Information” as used in this Agreement means Data that is submitted to or through the System and accessible by more than one state and/or federal agency.\n-   The term “System” as used in this Agreement means the Nationwide Mortgage Licensing System and Registry \\(which is also referred to as the Nationwide Multistate Licensing System, the Nationwide Mortgage Licensing System, NMLSR and/or NMLS\\) and any and all examination programs, complaint programs, software applications, materials, content or services accessible thereon as provided by SRR, affiliates of SRR or other third parties.\n-   The term “Third-Party Content Provider” as used in this Agreement means a party other than SRR and You.\n-   The terms “You” and “Your” as used in this Agree",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_industry.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_industry.md",
      "headings": [
        "Industry Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fcd .concept}",
        "1. Agreement {#section_ebc_24j_qfc .section}",
        "2. Definitions {#section_vcj_nnj_qfc .section}",
        "3. General {#section_bj3_jnj_qfc .section}",
        "4. Data {#section_jhd_bnj_qfc .section}",
        "5. Changes {#section_ojr_jmj_qfc .section}",
        "6. Equipment {#section_szg_v3j_qfc .section}",
        "7. Your Conduct {#section_us1_n3j_qfc .section}",
        "8. Disclaimer of Warranty; Limitation of Liability {#section_hww_33j_qfc .section}",
        "9. Monitoring {#section_epq_13j_qfc .section}",
        "10. Indemnification {#section_sff_zhj_qfc .section}",
        "11. Termination {#section_l1m_thj_qfc .section}",
        "12. Trademarks {#section_pl2_rhj_qfc .section}",
        "13. Third-Party Content {#section_ypv_nhj_qfc .section}",
        "14. Privacy and Breach Notification {#section_j2l_jhj_qfc .section}",
        "15. Digital Millennium Copyright Act of 1998 \\(“DMCA”\\) Policy: {#section_wkr_hhj_qfc .section}",
        "16. Miscellaneous {#section_hfq_2hj_qfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_industry.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_industry.md:chunk-2",
      "title": "Industry Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fcd .concept}",
      "content": "filiates of SRR or other third parties.\n-   The term “Third-Party Content Provider” as used in this Agreement means a party other than SRR and You.\n-   The terms “You” and “Your” as used in this Agreement mean you as an individual as well as any corporate or other legal entity on whose behalf you are acting.\n\n## 3. General \n\n\\(A\\) This Agreement governs use of the System by \\(i\\) You and \\(ii\\) persons controlling, employed by or otherwise acting on Your behalf through Your Account. Your use of the System is conditioned upon Your acceptance, without modification, of all provisions of this Agreement. If You are acting as an agent or employee of another entity, You may only agree to this Agreement and establish an account if You have the legal power and authority to bind your principal or employer, as the case may be. Any information accessed, requested or provided through the System must be accessed, requested and used in accordance with this Agreement. SRR reserves any rights not expressly granted under this Agreement. YOU AGREE THAT THIS AGREEMENT IS ENFORCEABLE LIKE ANY WRITTEN AND FULLY NEGOTIATED AGREEMENT SIGNED BY YOU. IF YOU DO NOT AGREE, DO NOT CLICK “I AGREE” AND DO NOT USE THE SYSTEM.\n\n\\(B\\) Your Account, including Your unique username and password, is not transferable to any other person or entity, as the case may be. You are responsible for all use of Your Account \\(under Your unique username and password\\) and for ensuring that all use of Your Account complies fully with this Agreement. The information provided through the System may be used only for Your own professional use and in accordance with this Agreement, and only for the following specifically identified purposes:\n\n-   \\(1\\) Submitting an Application for a License or Registration.\n-   \\(2\\) Renewing, updating or maintaining a License or Registration.\n-   \\(3\\) Submitting or responding to complaints as permitted by an applicable state or federal agency.\n-   \\(4\\) Participating in a state superv",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_industry.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_industry.md",
      "headings": [
        "Industry Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fcd .concept}",
        "1. Agreement {#section_ebc_24j_qfc .section}",
        "2. Definitions {#section_vcj_nnj_qfc .section}",
        "3. General {#section_bj3_jnj_qfc .section}",
        "4. Data {#section_jhd_bnj_qfc .section}",
        "5. Changes {#section_ojr_jmj_qfc .section}",
        "6. Equipment {#section_szg_v3j_qfc .section}",
        "7. Your Conduct {#section_us1_n3j_qfc .section}",
        "8. Disclaimer of Warranty; Limitation of Liability {#section_hww_33j_qfc .section}",
        "9. Monitoring {#section_epq_13j_qfc .section}",
        "10. Indemnification {#section_sff_zhj_qfc .section}",
        "11. Termination {#section_l1m_thj_qfc .section}",
        "12. Trademarks {#section_pl2_rhj_qfc .section}",
        "13. Third-Party Content {#section_ypv_nhj_qfc .section}",
        "14. Privacy and Breach Notification {#section_j2l_jhj_qfc .section}",
        "15. Digital Millennium Copyright Act of 1998 \\(“DMCA”\\) Policy: {#section_wkr_hhj_qfc .section}",
        "16. Miscellaneous {#section_hfq_2hj_qfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_industry.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_industry.md:chunk-3",
      "title": "Industry Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fcd .concept}",
      "content": "ng, updating or maintaining a License or Registration.\n-   \\(3\\) Submitting or responding to complaints as permitted by an applicable state or federal agency.\n-   \\(4\\) Participating in a state supervisory examination, investigation or enforcement action.\n-   \\(5\\) Communicating with SRR or a state or federal agency.\n\n\\(C\\) SRR grants You a non-exclusive license to access and use the System for the purposes described herein and for so long as You comply with this Agreement.\n\n\\(D\\) It is Your responsibility to manage Your Account actively and to ensure that \\(a\\) all Data submitted by You or on Your behalf is current and correct, and that all deadlines are met. It is Your responsibility to become familiar with the policies and applicable laws of each state agency and federal agency with which You deal or which otherwise has supervisory or regulatory authority over You or Your activities. In some circumstances, the relevant state agency or federal agency may request additional information about You or supervisory or regulatory matters related to You \\(including, but not limited to, any Application, License, examination or complaint\\). Further, You may be asked as part of or in connection with any supervisory or regulatory matter to disclose information to third parties. In the event of such a disclosure, SRR will not be responsible for the accuracy or content of any information You submit, nor for the use of Your information by any state agency or federal agency or third parties, whether or not the System facilitates the transmission of such information. SRR is not obligated to release to You or any other party any information maintained by a state agency or federal agency or pertaining to any supervisory or regulatory matter \\(including, but not limited to, any Application, License, Registration, examination or complaint\\) without the consent of the relevant state and federal agency or agencies.\n\n\\(E\\) You acknowledge and agree that \\(i\\) SRR is providing a service f",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_industry.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_industry.md",
      "headings": [
        "Industry Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fcd .concept}",
        "1. Agreement {#section_ebc_24j_qfc .section}",
        "2. Definitions {#section_vcj_nnj_qfc .section}",
        "3. General {#section_bj3_jnj_qfc .section}",
        "4. Data {#section_jhd_bnj_qfc .section}",
        "5. Changes {#section_ojr_jmj_qfc .section}",
        "6. Equipment {#section_szg_v3j_qfc .section}",
        "7. Your Conduct {#section_us1_n3j_qfc .section}",
        "8. Disclaimer of Warranty; Limitation of Liability {#section_hww_33j_qfc .section}",
        "9. Monitoring {#section_epq_13j_qfc .section}",
        "10. Indemnification {#section_sff_zhj_qfc .section}",
        "11. Termination {#section_l1m_thj_qfc .section}",
        "12. Trademarks {#section_pl2_rhj_qfc .section}",
        "13. Third-Party Content {#section_ypv_nhj_qfc .section}",
        "14. Privacy and Breach Notification {#section_j2l_jhj_qfc .section}",
        "15. Digital Millennium Copyright Act of 1998 \\(“DMCA”\\) Policy: {#section_wkr_hhj_qfc .section}",
        "16. Miscellaneous {#section_hfq_2hj_qfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_industry.html",
      "snippet": null
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    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_industry.md:chunk-4",
      "title": "Industry Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fcd .concept}",
      "content": "on, License, Registration, examination or complaint\\) without the consent of the relevant state and federal agency or agencies.\n\n\\(E\\) You acknowledge and agree that \\(i\\) SRR is providing a service for the state agencies and federal agencies that participate in the System, \\(ii\\) SRR is not responsible for any decisions made by any state agency or federal agency in connection with any Application, any renewal, update or maintenance of a License or Registration, or any other supervisory or regulatory matter \\(including but not limited to, any examination or complaint\\) with respect to You, and that SRR has no authority to alter or waive any requirement of any participating state agency or federal agency, \\(iii\\) SRR’s role in the collection and storage of information through the System does not mean that SRR is Your agent and \\(iv\\) SRR does not have any responsibility for such information or any use thereof by the state agencies, federal agencies or third parties other than as expressly set out in this Agreement.\n\n\\(F\\) The System is operated within the United States of America. SRR makes no representation that the System is appropriate for use at locations outside the United States. Access to the System from jurisdictions where the System is illegal is prohibited. If You access the System from a location outside the United States, You are responsible for compliance with all local laws.\n\n\\(G\\) SRR makes no guaranty regarding the future participation of any state agency or federal agency in the System.\n\n\\(H\\) You are responsible for protecting the confidentiality of login credentials \\(including without limitation usernames and passwords\\). Each individual accessing the System must do so with unique login credentials that can be used only by that individual. You agree to notify SRR immediately if You become aware of the loss, theft or unauthorized use of Your username or password, or any unauthorized access to or use of the System or any information submitted to, co",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_industry.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_industry.md",
      "headings": [
        "Industry Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fcd .concept}",
        "1. Agreement {#section_ebc_24j_qfc .section}",
        "2. Definitions {#section_vcj_nnj_qfc .section}",
        "3. General {#section_bj3_jnj_qfc .section}",
        "4. Data {#section_jhd_bnj_qfc .section}",
        "5. Changes {#section_ojr_jmj_qfc .section}",
        "6. Equipment {#section_szg_v3j_qfc .section}",
        "7. Your Conduct {#section_us1_n3j_qfc .section}",
        "8. Disclaimer of Warranty; Limitation of Liability {#section_hww_33j_qfc .section}",
        "9. Monitoring {#section_epq_13j_qfc .section}",
        "10. Indemnification {#section_sff_zhj_qfc .section}",
        "11. Termination {#section_l1m_thj_qfc .section}",
        "12. Trademarks {#section_pl2_rhj_qfc .section}",
        "13. Third-Party Content {#section_ypv_nhj_qfc .section}",
        "14. Privacy and Breach Notification {#section_j2l_jhj_qfc .section}",
        "15. Digital Millennium Copyright Act of 1998 \\(“DMCA”\\) Policy: {#section_wkr_hhj_qfc .section}",
        "16. Miscellaneous {#section_hfq_2hj_qfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_industry.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_industry.md:chunk-5",
      "title": "Industry Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fcd .concept}",
      "content": "o notify SRR immediately if You become aware of the loss, theft or unauthorized use of Your username or password, or any unauthorized access to or use of the System or any information submitted to, contained in or downloaded from the System or provided to You by SRR. \\(I\\) To the extent that the U.S. government or U.S. government agencies are end users hereunder, you acknowledge and agree that all products, material, software, documentation, and publications provided or licensed hereunder are provided as “commercial computer software” if computer software and “commercial computer software documentation” if technical data, as those terms are used in Section 12.211 and 12.212 of the Federal Acquisition Regulation \\(FAR\\), or, if applicable, in Section 227.7202-3 of the Defense Federal Acquisition Regulation Supplement \\(DFARS\\), and that the government shall acquire only those rights in such technical data and/or computer software as are customarily applicable for commercial items. Except as expressly set forth to the contrary herein, computer software acquired hereunder further constitutes “restricted computer software” as that term is defined in FAR Section 52.227-14.\n\n## 4. Data \n\n\\(A\\) For purposes of this Agreement, Data submitted or released to a state agency and/or federal agency will be considered to be under that state agency’s and/or federal agency’s control. If Data is submitted or released to more than one state agency or federal agency, then such Data will be considered to be under the control of each such agency. SRR will not be required to correct or alter any Data unless all state agencies and/or federal agencies that have control of such Data consent to such change.\n\n\\(B\\) A state and/or federal agency will, after expiration of the License granted by such state agency, the expiration of a Registration, or the completion of any other supervisory or regulatory matter continue to have access to the Data.\n\n\\(C\\) Every state agency participating in the Sys",
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      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_industry.md",
      "headings": [
        "Industry Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fcd .concept}",
        "1. Agreement {#section_ebc_24j_qfc .section}",
        "2. Definitions {#section_vcj_nnj_qfc .section}",
        "3. General {#section_bj3_jnj_qfc .section}",
        "4. Data {#section_jhd_bnj_qfc .section}",
        "5. Changes {#section_ojr_jmj_qfc .section}",
        "6. Equipment {#section_szg_v3j_qfc .section}",
        "7. Your Conduct {#section_us1_n3j_qfc .section}",
        "8. Disclaimer of Warranty; Limitation of Liability {#section_hww_33j_qfc .section}",
        "9. Monitoring {#section_epq_13j_qfc .section}",
        "10. Indemnification {#section_sff_zhj_qfc .section}",
        "11. Termination {#section_l1m_thj_qfc .section}",
        "12. Trademarks {#section_pl2_rhj_qfc .section}",
        "13. Third-Party Content {#section_ypv_nhj_qfc .section}",
        "14. Privacy and Breach Notification {#section_j2l_jhj_qfc .section}",
        "15. Digital Millennium Copyright Act of 1998 \\(“DMCA”\\) Policy: {#section_wkr_hhj_qfc .section}",
        "16. Miscellaneous {#section_hfq_2hj_qfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_industry.html",
      "snippet": null
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    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_industry.md:chunk-6",
      "title": "Industry Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fcd .concept}",
      "content": " state agency, the expiration of a Registration, or the completion of any other supervisory or regulatory matter continue to have access to the Data.\n\n\\(C\\) Every state agency participating in the System will have access to a subset of Data that is Shared Information. Every federal agency participating in the System will have access to a subset of Data concerning Registered Loan Originators that is Shared Information. Every state agency and federal agency participating in the System will have access to Data for applicants that hold a License and a Registration either concurrently or consecutively.\n\n\\(D\\) SRR will retain all Data in the System for a minimum of five \\(5\\) years after such time that You no longer hold a valid License, maintain a Registration, or have any other supervisory or regulatory matters \\(including but not limited to examinations or complaints\\) relevant to You through or in the System.\n\n\\(E\\) SRR may collect and manipulate Data for the purpose of disseminating Data aggregated on a state, regional or national level. SRR may also copy, process, store and distribute Data consistent with SRR’s performance of its obligations to the state agencies and federal agencies participating in the System. Data may be checked against other state and federal regulatory agency databases, the Social Security Administration or financial services or securities industry self-regulatory organization databases, or commercial databases, and Data may be shared with relevant state agencies and/or federal agencies and financial services or securities industry self- regulatory organizations. You grant SRR the right to use Your contact information from time to time for the purposes of issuing communications concerning the System to You.\n\n\\(F\\) You acknowledge and agree that certain Data submitted through the System maybe accessed publicly, including but not limited to:\n\n-   License \\# by jurisdiction\n-   License name by jurisdiction\n-   License status by jurisdiction\n-   Bu",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_industry.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_industry.md",
      "headings": [
        "Industry Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fcd .concept}",
        "1. Agreement {#section_ebc_24j_qfc .section}",
        "2. Definitions {#section_vcj_nnj_qfc .section}",
        "3. General {#section_bj3_jnj_qfc .section}",
        "4. Data {#section_jhd_bnj_qfc .section}",
        "5. Changes {#section_ojr_jmj_qfc .section}",
        "6. Equipment {#section_szg_v3j_qfc .section}",
        "7. Your Conduct {#section_us1_n3j_qfc .section}",
        "8. Disclaimer of Warranty; Limitation of Liability {#section_hww_33j_qfc .section}",
        "9. Monitoring {#section_epq_13j_qfc .section}",
        "10. Indemnification {#section_sff_zhj_qfc .section}",
        "11. Termination {#section_l1m_thj_qfc .section}",
        "12. Trademarks {#section_pl2_rhj_qfc .section}",
        "13. Third-Party Content {#section_ypv_nhj_qfc .section}",
        "14. Privacy and Breach Notification {#section_j2l_jhj_qfc .section}",
        "15. Digital Millennium Copyright Act of 1998 \\(“DMCA”\\) Policy: {#section_wkr_hhj_qfc .section}",
        "16. Miscellaneous {#section_hfq_2hj_qfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_industry.html",
      "snippet": null
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    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_industry.md:chunk-7",
      "title": "Industry Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fcd .concept}",
      "content": "tain Data submitted through the System maybe accessed publicly, including but not limited to:\n\n-   License \\# by jurisdiction\n-   License name by jurisdiction\n-   License status by jurisdiction\n-   Business phone\n-   Business fax\n-   Business e-mail address\n-   Web address\n-   Other names \\(other than legal name\\)\n-   Employment history\n-   Sponsorship of license \\(companies that have sponsored individuals\\)\n-   Disclosure questions\n-   Regulatory actions\n\n\\(G\\) SRR has no obligation with respect to any third party’s use of data accessed through the System. SRR, or a state and/or federal agency controlling Data, may disclose Data in response to a request by law enforcement or by a legally sanctioned investigatory authority or otherwise through legal process or under law.\n\n\\(H\\) You may direct SRR to provide access to your record in the System to companies You wish to be associated with for employment purposes. Your authorization of such access grants a company permission to \\(a\\) view, manage, monitor, and/or receive reports or updates of any component of Your individual record or Your individual record in its entirety, in any form or format, which includes, but is not limited to, any non-public and/or sensitive personally identifiable information contained in Your record; and/or \\(b\\) submit a filing of Your individual record on your behalf to a regulatory agency.\n\n\\(I\\) If You are licensed by a state agency or seeking licensure by a state agency, You may elect to use the System for purposes of obtaining an electronic surety bond and providing such bond \\(and any subsequent changes thereto\\) to the applicable state agency. When You elect to use this System functionality, You understand that You are directing SRR to provide access to certain information contained within Your Data to surety bond companies or their producers who are utilizing the System for purposes of issuing such bonds. You agree that by using the System for purposes of obtaining an electronic bond,",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_industry.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_industry.md",
      "headings": [
        "Industry Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fcd .concept}",
        "1. Agreement {#section_ebc_24j_qfc .section}",
        "2. Definitions {#section_vcj_nnj_qfc .section}",
        "3. General {#section_bj3_jnj_qfc .section}",
        "4. Data {#section_jhd_bnj_qfc .section}",
        "5. Changes {#section_ojr_jmj_qfc .section}",
        "6. Equipment {#section_szg_v3j_qfc .section}",
        "7. Your Conduct {#section_us1_n3j_qfc .section}",
        "8. Disclaimer of Warranty; Limitation of Liability {#section_hww_33j_qfc .section}",
        "9. Monitoring {#section_epq_13j_qfc .section}",
        "10. Indemnification {#section_sff_zhj_qfc .section}",
        "11. Termination {#section_l1m_thj_qfc .section}",
        "12. Trademarks {#section_pl2_rhj_qfc .section}",
        "13. Third-Party Content {#section_ypv_nhj_qfc .section}",
        "14. Privacy and Breach Notification {#section_j2l_jhj_qfc .section}",
        "15. Digital Millennium Copyright Act of 1998 \\(“DMCA”\\) Policy: {#section_wkr_hhj_qfc .section}",
        "16. Miscellaneous {#section_hfq_2hj_qfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_industry.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_industry.md:chunk-8",
      "title": "Industry Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fcd .concept}",
      "content": " Your Data to surety bond companies or their producers who are utilizing the System for purposes of issuing such bonds. You agree that by using the System for purposes of obtaining an electronic bond, You are granting these surety bond companies and their producers access to: \\(a\\) Your publicly available Data described in subsection \\(F\\); and \\(b\\) information about the jurisdictions in which You have applications for licensure pending. Surety bond companies or producers utilizing the System for purposes of issuing requested electronic bonds may also request You to provide them with certain additional information through the System, but only to the extent that such information is necessary for them to complete the particular surety bond form required by the state agency.\n\n\\(J\\) Privacy Act of 1974 Notice. In order to obtain or maintain an account on the System, You may be required to disclose Your social security number. The state or federal agency \\(or agencies\\) to whom You submit this information may share it with other state or federal agencies.\n\n## 5. Changes \n\n\\(A\\) SRR reserves the right to change this Agreement and other guidelines or rules posted on the System \\(including the System Privacy Notice\\) from time to time at its sole discretion. SRR will provide notice of material changes to this Agreement at the resource center and will send an e- mail to You notifying of such changes. The most current form of these terms will be available at http://mortgage.nationwidelicensingsystem.org/about/Pages/Policies.aspx. Your access and/or use of the System constitutes Your acknowledgement and acceptance of the terms of this Agreement as they may exist at the time of such access or use. You should periodically check the **Applicant Agreement** link on the home or login page to view the then-current terms. SRR does not accept or advocate alternative means of accessing or logging into the System; if You do access or log-into the System from a means other than the logi",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_industry.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_industry.md",
      "headings": [
        "Industry Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fcd .concept}",
        "1. Agreement {#section_ebc_24j_qfc .section}",
        "2. Definitions {#section_vcj_nnj_qfc .section}",
        "3. General {#section_bj3_jnj_qfc .section}",
        "4. Data {#section_jhd_bnj_qfc .section}",
        "5. Changes {#section_ojr_jmj_qfc .section}",
        "6. Equipment {#section_szg_v3j_qfc .section}",
        "7. Your Conduct {#section_us1_n3j_qfc .section}",
        "8. Disclaimer of Warranty; Limitation of Liability {#section_hww_33j_qfc .section}",
        "9. Monitoring {#section_epq_13j_qfc .section}",
        "10. Indemnification {#section_sff_zhj_qfc .section}",
        "11. Termination {#section_l1m_thj_qfc .section}",
        "12. Trademarks {#section_pl2_rhj_qfc .section}",
        "13. Third-Party Content {#section_ypv_nhj_qfc .section}",
        "14. Privacy and Breach Notification {#section_j2l_jhj_qfc .section}",
        "15. Digital Millennium Copyright Act of 1998 \\(“DMCA”\\) Policy: {#section_wkr_hhj_qfc .section}",
        "16. Miscellaneous {#section_hfq_2hj_qfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_industry.html",
      "snippet": null
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    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_industry.md:chunk-9",
      "title": "Industry Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fcd .concept}",
      "content": "page to view the then-current terms. SRR does not accept or advocate alternative means of accessing or logging into the System; if You do access or log-into the System from a means other than the login page and method provided by SRR, You may be at risk of not receiving periodic notices that are made available by SRR to System users on \\(or associated with\\) the SRR-provided login page and method \\(e.g., notices of a change to the terms of this Agreement\\). If You nonetheless use such an alternative means of accessing or logging into the System, then such access and/or use of the System constitutes Your acknowledgement and acceptance of the terms of this Agreement as they may exist at the time of such access or use.\n\n\\(B\\) SRR has the right at any time without notice or obligation to You to change or discontinue any aspect or feature of the System, including, but not limited to, functionality, content, hours of availability, and equipment needed for access or use.\n\n\\(C\\) This Agreement may be altered or amended only in writing by SRR.\n\n## 6. Equipment \n\nYou are responsible for obtaining and maintaining all equipment required for access to and use of the System and all charges and costs related thereto. These equipment requirements are published on the Schedule of System Requirements \\(accessible at Technical Requirements\\) and may be amended from time to time.\n\n## 7. Your Conduct \n\n\\(A\\) You may use the System for lawful purposes only. You may not post or transmit through the System any material that violates or infringes in any way upon the rights of others, that is unlawful, threatening, abusive, defamatory, invasive of privacy or publicity rights, vulgar, obscene, profane or otherwise objectionable, that encourages conduct that would constitute a criminal offense, give rise to civil liability to SRR or otherwise violate any law, or that, without SRR’s express prior written approval, contains advertising or any solicitation with respect to products or services. An",
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      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_industry.md",
      "headings": [
        "Industry Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fcd .concept}",
        "1. Agreement {#section_ebc_24j_qfc .section}",
        "2. Definitions {#section_vcj_nnj_qfc .section}",
        "3. General {#section_bj3_jnj_qfc .section}",
        "4. Data {#section_jhd_bnj_qfc .section}",
        "5. Changes {#section_ojr_jmj_qfc .section}",
        "6. Equipment {#section_szg_v3j_qfc .section}",
        "7. Your Conduct {#section_us1_n3j_qfc .section}",
        "8. Disclaimer of Warranty; Limitation of Liability {#section_hww_33j_qfc .section}",
        "9. Monitoring {#section_epq_13j_qfc .section}",
        "10. Indemnification {#section_sff_zhj_qfc .section}",
        "11. Termination {#section_l1m_thj_qfc .section}",
        "12. Trademarks {#section_pl2_rhj_qfc .section}",
        "13. Third-Party Content {#section_ypv_nhj_qfc .section}",
        "14. Privacy and Breach Notification {#section_j2l_jhj_qfc .section}",
        "15. Digital Millennium Copyright Act of 1998 \\(“DMCA”\\) Policy: {#section_wkr_hhj_qfc .section}",
        "16. Miscellaneous {#section_hfq_2hj_qfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_industry.html",
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    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_industry.md:chunk-10",
      "title": "Industry Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fcd .concept}",
      "content": "ve rise to civil liability to SRR or otherwise violate any law, or that, without SRR’s express prior written approval, contains advertising or any solicitation with respect to products or services. Any conduct by You that, in SRR’s sole determination, restricts or inhibits any other user from using or enjoying the System will not be permitted. Unless otherwise specifically set forth herein, You may not use the System, or the content contained therein or obtained therefrom, to advertise or perform any commercial solicitation. In no event may You offer to others any content of any kind retrieved from the System. You agree that You will not use content of any kind retrieved from the System to develop or create a database to be sold, leased, furnished, licensed or made otherwise available \\(either commercially or free of charge\\). You agree that You will not use, or allow others to use, any data mining, robots, or similar data gathering and extraction methods to monitor or copy the System in bulk, or to make voluminous, excessive or repetitive requests for information. You further agree that You will not use any device, software or routine to bypass any software or hardware that prohibits volume requests for information, You will not interfere with or attempt to interfere with the proper working of the System, and You will not take any action that imposes an unreasonable or disproportionately large load on the System.\n\n\\(B\\) The System contains copyrighted material, trademarks and other proprietary information. SRR, the relevant state agencies and federal agencies or SRR’s Licensors own all copyright in the selection, coordination, arrangement and enhancement of such information and data, as well as in some or all of the content original to it. The System contains links to and accesses proprietary databases of SRR and third parties and employs proprietary software of SRR and third parties. The software applications, materials or services accessible through the System ar",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_industry.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_industry.md",
      "headings": [
        "Industry Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fcd .concept}",
        "1. Agreement {#section_ebc_24j_qfc .section}",
        "2. Definitions {#section_vcj_nnj_qfc .section}",
        "3. General {#section_bj3_jnj_qfc .section}",
        "4. Data {#section_jhd_bnj_qfc .section}",
        "5. Changes {#section_ojr_jmj_qfc .section}",
        "6. Equipment {#section_szg_v3j_qfc .section}",
        "7. Your Conduct {#section_us1_n3j_qfc .section}",
        "8. Disclaimer of Warranty; Limitation of Liability {#section_hww_33j_qfc .section}",
        "9. Monitoring {#section_epq_13j_qfc .section}",
        "10. Indemnification {#section_sff_zhj_qfc .section}",
        "11. Termination {#section_l1m_thj_qfc .section}",
        "12. Trademarks {#section_pl2_rhj_qfc .section}",
        "13. Third-Party Content {#section_ypv_nhj_qfc .section}",
        "14. Privacy and Breach Notification {#section_j2l_jhj_qfc .section}",
        "15. Digital Millennium Copyright Act of 1998 \\(“DMCA”\\) Policy: {#section_wkr_hhj_qfc .section}",
        "16. Miscellaneous {#section_hfq_2hj_qfc .section}"
      ],
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      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_industry.md:chunk-11",
      "title": "Industry Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fcd .concept}",
      "content": "and accesses proprietary databases of SRR and third parties and employs proprietary software of SRR and third parties. The software applications, materials or services accessible through the System are created by or on behalf of SRR, the state agencies and/or the federal agencies. You may not modify, publish, transmit, participate in the transfer or sale, create derivative works, or in any way exploit, any of the software applications, materials or services hosted on or obtained from the System, in whole or in part. You may download content from the System, the state agencies and/or the federal agencies for Your personal and professional use only and only to the extent permitted by this Agreement. Any information or content You download from the System or receive from SRR must be protected using the appropriate security measures and may not be retained longer than necessary to achieve the purposes outlined in herein. Except as otherwise expressly permitted by law, no copying, redistribution, retransmission, publication or commercial exploitation of downloaded material will be permitted without the express written permission of SRR and, if applicable, the owner of any proprietary rights in such material. In the event of any permitted copying, redistribution or publication of content obtained from the System, no changes in or deletion of author attribution, trademark legend or copyright notice may be made. You acknowledge that You do not acquire any ownership rights by downloading material from the System.\n\n\\(C\\) You may not upload, post or otherwise make available on the System any material protected by copyright, trademark or other proprietary right without the express written permission of the owner of the copyright, trademark or other proprietary right and the burden of determining that any material is not protected by law rests with You. You will be solely liable for any damage resulting from any infringement of copyrights, proprietary rights, or any other harm r",
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      "headings": [
        "Industry Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fcd .concept}",
        "1. Agreement {#section_ebc_24j_qfc .section}",
        "2. Definitions {#section_vcj_nnj_qfc .section}",
        "3. General {#section_bj3_jnj_qfc .section}",
        "4. Data {#section_jhd_bnj_qfc .section}",
        "5. Changes {#section_ojr_jmj_qfc .section}",
        "6. Equipment {#section_szg_v3j_qfc .section}",
        "7. Your Conduct {#section_us1_n3j_qfc .section}",
        "8. Disclaimer of Warranty; Limitation of Liability {#section_hww_33j_qfc .section}",
        "9. Monitoring {#section_epq_13j_qfc .section}",
        "10. Indemnification {#section_sff_zhj_qfc .section}",
        "11. Termination {#section_l1m_thj_qfc .section}",
        "12. Trademarks {#section_pl2_rhj_qfc .section}",
        "13. Third-Party Content {#section_ypv_nhj_qfc .section}",
        "14. Privacy and Breach Notification {#section_j2l_jhj_qfc .section}",
        "15. Digital Millennium Copyright Act of 1998 \\(“DMCA”\\) Policy: {#section_wkr_hhj_qfc .section}",
        "16. Miscellaneous {#section_hfq_2hj_qfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_industry.html",
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      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_industry.md:chunk-12",
      "title": "Industry Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fcd .concept}",
      "content": "of determining that any material is not protected by law rests with You. You will be solely liable for any damage resulting from any infringement of copyrights, proprietary rights, or any other harm resulting from such a submission. By submitting material to the System, You automatically grant to, or warrant that the owner of such material has expressly granted, SRR a royalty-free, perpetual, irrevocable, non-exclusive, unlimited right and license to use, reproduce, modify, adapt, publish, translate and distribute such material \\(in whole or in part\\) worldwide and/or to incorporate it in other works in any form, media or technology now known or hereafter developed for the full term of any copyright or other right that may exist in such material. You hereby grant SRR the rights to edit, copy, publish and distribute any material made available on the System by You or on Your behalf.\n\n\\(D\\) The foregoing provisions of Section 7 are for the benefit of SRR, its affiliates and its Third- Party Content Providers and Licensors and the state agencies and federal agencies participating in the System, and each will have the right to assert and enforce such provisions directly or on its own behalf.\n\n## 8. Disclaimer of Warranty; Limitation of Liability \n\n\\(A\\) USE OF THE SYSTEM IS AT YOUR SOLE RISK. SRR, ITS AFFILIATES, THIRD- PARTY CONTENT PROVIDERS, LICENSORS AND THE STATE AGENCIES AND FEDERAL AGENCIES PARTICIPATING IN THE SYSTEM AND THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES AND AGENTS MAKE NO WARRANTY \\(i\\) THAT THE SYSTEM WILL BE UNINTERRUPTED OR ERROR-FREE; \\(ii\\) AS TO THE RESULTS THAT MAY BE OBTAINED FROM USE OF THE SYSTEM OR \\(iii\\) AS TO THE ACCURACY, RELIABILITY OR CONTENT OF ANY INFORMATION, SERVICE, OR MATERIALS PROVIDED THROUGH THE SYSTEM, OR ANY PART THEREOF, INCLUDING THE SAFE MORTGAGE LOAN ORIGINATOR TEST NATIONAL AND STATE COMPONENTS.\n\n\\(B\\) THE SYSTEM, INCLUDING THE SAFE MORTGAGE LOAN ORIGINATOR TEST NATIONAL AND STATE COMPONENTS, IS PROVIDED “AS IS” WI",
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      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_industry.md",
      "headings": [
        "Industry Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fcd .concept}",
        "1. Agreement {#section_ebc_24j_qfc .section}",
        "2. Definitions {#section_vcj_nnj_qfc .section}",
        "3. General {#section_bj3_jnj_qfc .section}",
        "4. Data {#section_jhd_bnj_qfc .section}",
        "5. Changes {#section_ojr_jmj_qfc .section}",
        "6. Equipment {#section_szg_v3j_qfc .section}",
        "7. Your Conduct {#section_us1_n3j_qfc .section}",
        "8. Disclaimer of Warranty; Limitation of Liability {#section_hww_33j_qfc .section}",
        "9. Monitoring {#section_epq_13j_qfc .section}",
        "10. Indemnification {#section_sff_zhj_qfc .section}",
        "11. Termination {#section_l1m_thj_qfc .section}",
        "12. Trademarks {#section_pl2_rhj_qfc .section}",
        "13. Third-Party Content {#section_ypv_nhj_qfc .section}",
        "14. Privacy and Breach Notification {#section_j2l_jhj_qfc .section}",
        "15. Digital Millennium Copyright Act of 1998 \\(“DMCA”\\) Policy: {#section_wkr_hhj_qfc .section}",
        "16. Miscellaneous {#section_hfq_2hj_qfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_industry.html",
      "snippet": null
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    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_industry.md:chunk-13",
      "title": "Industry Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fcd .concept}",
      "content": "NCLUDING THE SAFE MORTGAGE LOAN ORIGINATOR TEST NATIONAL AND STATE COMPONENTS.\n\n\\(B\\) THE SYSTEM, INCLUDING THE SAFE MORTGAGE LOAN ORIGINATOR TEST NATIONAL AND STATE COMPONENTS, IS PROVIDED “AS IS” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF TITLE OR IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, OTHER THAN THOSE WARRANTIES THAT ARE IMPLIED BY AND INCAPABLE OF EXCLUSION, RESTRICTION OR MODIFICATION BY VIRTUE OF THE LAWS APPLICABLE TO THIS AGREEMENT.\n\n\\(C\\) THIS DISCLAIMER OF LIABILITY APPLIES TO ANY DAMAGES OR INJURY CAUSED BY ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS, COMMUNICATION LINE FAILURE, THEFT OR DESTRUCTION OR UNAUTHORIZED ACCESS TO, ALTERATION OF, OR USE OF RECORD, WHETHER FOR BREACH OF CONTRACT, TORTIOUS BEHAVIOR, NEGLIGENCE, OR UNDER ANY OTHER CAUSE OF ACTION. YOU SPECIFICALLY ACKNOWLEDGE THAT SRR, ITS AFFILIATES, THIRD-PARTY CONTENT PROVIDERS, LICENSORS AND THE STATE AGENCIES AND FEDERAL AGENCIES PARTICIPATING IN THE SYSTEMAND THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES AND AGENTS ARE NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE OR ILLEGAL CONDUCT OF OTHER USERS OR ANYONE ELSE AND THAT THE RISK OF INJURY FROM THE FOREGOING RESTS ENTIRELY WITH YOU.\n\n\\(D\\) IN NO EVENT WILL SRR, ITS AFFILIATES, THIRD-PARTY CONTENT PROVIDERS, LICENSORS AND THE STATE AGENCIES AND FEDERAL AGENCIES PARTICIPATING IN THE SYSTEM AND THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES AND AGENTS, OR ANY PERSON OR ENTITY INVOLVED IN CREATING, PRODUCING OR DISTRIBUTING THE SYSTEM OR SOFTWARE UNDERLYING THE SYSTEM BE LIABLE FOR ANY DAMAGES, INCLUDING, WITHOUT LIMITATION, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES ARISING OUT OF THE USE OF OR INABILITY TO USE THE SYSTEM. YOU HEREBY ACKNOWLEDGE THAT THE PROVISIONS OF THIS SECTION APPLY TO ALL CONTENT ON, AND SERVICES PROVIDED THROUGH, T",
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      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_industry.md",
      "headings": [
        "Industry Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fcd .concept}",
        "1. Agreement {#section_ebc_24j_qfc .section}",
        "2. Definitions {#section_vcj_nnj_qfc .section}",
        "3. General {#section_bj3_jnj_qfc .section}",
        "4. Data {#section_jhd_bnj_qfc .section}",
        "5. Changes {#section_ojr_jmj_qfc .section}",
        "6. Equipment {#section_szg_v3j_qfc .section}",
        "7. Your Conduct {#section_us1_n3j_qfc .section}",
        "8. Disclaimer of Warranty; Limitation of Liability {#section_hww_33j_qfc .section}",
        "9. Monitoring {#section_epq_13j_qfc .section}",
        "10. Indemnification {#section_sff_zhj_qfc .section}",
        "11. Termination {#section_l1m_thj_qfc .section}",
        "12. Trademarks {#section_pl2_rhj_qfc .section}",
        "13. Third-Party Content {#section_ypv_nhj_qfc .section}",
        "14. Privacy and Breach Notification {#section_j2l_jhj_qfc .section}",
        "15. Digital Millennium Copyright Act of 1998 \\(“DMCA”\\) Policy: {#section_wkr_hhj_qfc .section}",
        "16. Miscellaneous {#section_hfq_2hj_qfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_industry.html",
      "snippet": null
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    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_industry.md:chunk-14",
      "title": "Industry Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fcd .concept}",
      "content": "NTIAL OR PUNITIVE DAMAGES ARISING OUT OF THE USE OF OR INABILITY TO USE THE SYSTEM. YOU HEREBY ACKNOWLEDGE THAT THE PROVISIONS OF THIS SECTION APPLY TO ALL CONTENT ON, AND SERVICES PROVIDED THROUGH, THE SYSTEM INCLUDING THE SAFE MORTGAGE LOAN ORIGINATOR TEST NATIONAL AND STATE COMPONENTS. IN ADDITION TO THE TERMS SET FORTH ABOVE, SRR, ITS AFFILIATES, THIRD- PARTY CONTENT PROVIDERS, LICENSORS AND THE STATE AGENCIES AND FEDERAL AGENCIES PARTICIPATING IN THE SYSTEM AND THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES AND AGENTS WILL NOT BE LIABLE, REGARDLESS OF THE CAUSE OR DURATION, FOR ANY ERRORS, INACCURACIES, OMISSIONS, OR OTHER DEFECTS IN, OR UNTIMELINESS OR UNAUTHENTICITY OF, THE INFORMATION CONTAINED WITHIN THE SYSTEM, INCLUDING THE SAFE MORTGAGE LOAN ORIGINATOR TEST NATIONAL AND STATE COMPONENTS, OR FOR ANY DELAY OR INTERRUPTION IN THE TRANSMISSION THEREOF TO YOU, OR FOR ANY CLAIMS OR LOSSES ARISING THEREFROM OR OCCASIONED THEREBY OR FOR ANY DISCIPLINARY OR REGULATORY ACTION TAKEN THEREUPON. SRR, ITS AFFILIATES, THIRD-PARTY CONTENT PROVIDERS, LICENSORS AND THE STATE AGENCIES AND FEDERAL AGENCIES PARTICIPATING IN THE SYSTEM AND THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES AND AGENTS WILL NOT BE LIABLE FOR ANY THIRD-PARTY CLAIMS OR LOSSES OF ANY NATURE, INCLUDING, BUT NOT LIMITED TO, LOST PROFITS, PUNITIVE OR CONSEQUENTIAL DAMAGES. SRR, ITS AFFILIATES, THIRD-PARTY CONTENT PROVIDERS, LICENSORS AND THE STATE AGENCIES AND FEDERAL AGENCIES PARTICIPATING IN THE SYSTEM AND THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES AND AGENTS DO NOT WARRANT OR GUARANTEE THE TIMELINESS, SEQUENCE, ACCURACY OR COMPLETENESS OF INFORMATION AVAILABLE THROUGH THE SYSTEM INCLUDING THE SAFE MORTGAGE LOAN ORIGINATOR TEST NATIONAL AND STATE COMPONENTS.\n\n\\(E\\) The foregoing provisions of Section 8 are for the benefit of SRR, its affiliates and its Third- Party Content Providers and Licensors and the state agencies and federal agencies participating in the System, and each will have the righ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_industry.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_industry.md",
      "headings": [
        "Industry Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fcd .concept}",
        "1. Agreement {#section_ebc_24j_qfc .section}",
        "2. Definitions {#section_vcj_nnj_qfc .section}",
        "3. General {#section_bj3_jnj_qfc .section}",
        "4. Data {#section_jhd_bnj_qfc .section}",
        "5. Changes {#section_ojr_jmj_qfc .section}",
        "6. Equipment {#section_szg_v3j_qfc .section}",
        "7. Your Conduct {#section_us1_n3j_qfc .section}",
        "8. Disclaimer of Warranty; Limitation of Liability {#section_hww_33j_qfc .section}",
        "9. Monitoring {#section_epq_13j_qfc .section}",
        "10. Indemnification {#section_sff_zhj_qfc .section}",
        "11. Termination {#section_l1m_thj_qfc .section}",
        "12. Trademarks {#section_pl2_rhj_qfc .section}",
        "13. Third-Party Content {#section_ypv_nhj_qfc .section}",
        "14. Privacy and Breach Notification {#section_j2l_jhj_qfc .section}",
        "15. Digital Millennium Copyright Act of 1998 \\(“DMCA”\\) Policy: {#section_wkr_hhj_qfc .section}",
        "16. Miscellaneous {#section_hfq_2hj_qfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_industry.html",
      "snippet": null
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      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_industry.md:chunk-15",
      "title": "Industry Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fcd .concept}",
      "content": "n 8 are for the benefit of SRR, its affiliates and its Third- Party Content Providers and Licensors and the state agencies and federal agencies participating in the System, and each will have the right to assert and enforce such provisions directly or on its own behalf.\n\n## 9. Monitoring \n\nSRR has the right, but not the obligation, to monitor the content of the System, including chat rooms and forums, to determine compliance with this Agreement and any other rules established by SRR and to satisfy any law, statutes, regulations, guidelines or authorized government request. SRR has the right in its sole discretion to edit, refuse to post or remove any material submitted to or posted on the System. Without limiting the foregoing, SRR has the right to remove any material that SRR, in its sole discretion, finds to be in violation of this Agreement.\n\n## 10. Indemnification \n\nYou agree to defend, indemnify and hold harmless SRR, its affiliates, Third-Party Content Providers, Licensors and the state agencies and federal agencies participating in the System and their respective directors, officers, employees and agents from and against all claims, fees, costs and expenses, including attorneys’ fees, arising out of or in connection with Your Account or Your use of the System.\n\n## 11. Termination \n\nSRR has the right to immediately terminate Your Account in the event of any conduct by You, which SRR, in its sole determination, considers to be unacceptable, or in the event of any breach by You of this Agreement. The provisions of Sections 3, 4, 7, 8, 10 and this Section 11 will survive such termination. If You breach any of the terms of this Agreement or fail to pay any fees required for the services provided under this Agreement, SRR may disable Your Account, pursue collections against You, and terminate or temporarily suspend Your access to, participation in and use of the System and require You to immediately destroy any materials downloaded or printed from the System in vio",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_industry.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_industry.md",
      "headings": [
        "Industry Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fcd .concept}",
        "1. Agreement {#section_ebc_24j_qfc .section}",
        "2. Definitions {#section_vcj_nnj_qfc .section}",
        "3. General {#section_bj3_jnj_qfc .section}",
        "4. Data {#section_jhd_bnj_qfc .section}",
        "5. Changes {#section_ojr_jmj_qfc .section}",
        "6. Equipment {#section_szg_v3j_qfc .section}",
        "7. Your Conduct {#section_us1_n3j_qfc .section}",
        "8. Disclaimer of Warranty; Limitation of Liability {#section_hww_33j_qfc .section}",
        "9. Monitoring {#section_epq_13j_qfc .section}",
        "10. Indemnification {#section_sff_zhj_qfc .section}",
        "11. Termination {#section_l1m_thj_qfc .section}",
        "12. Trademarks {#section_pl2_rhj_qfc .section}",
        "13. Third-Party Content {#section_ypv_nhj_qfc .section}",
        "14. Privacy and Breach Notification {#section_j2l_jhj_qfc .section}",
        "15. Digital Millennium Copyright Act of 1998 \\(“DMCA”\\) Policy: {#section_wkr_hhj_qfc .section}",
        "16. Miscellaneous {#section_hfq_2hj_qfc .section}"
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      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_industry.html",
      "snippet": null
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      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_industry.md:chunk-16",
      "title": "Industry Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fcd .concept}",
      "content": "ainst You, and terminate or temporarily suspend Your access to, participation in and use of the System and require You to immediately destroy any materials downloaded or printed from the System in violation of this Agreement.\n\n## 12. Trademarks \n\n“SRR”, “NMLS”, “Nationwide Mortgage Licensing System”, “Nationwide Multistate Licensing System”, “Nationwide Mortgage Licensing System and Registry” and associated logos are trademarks and/or service marks of SRR. All rights reserved.\n\n## 13. Third-Party Content \n\n\\(A\\) Use of some third-party materials included on the System may be subject to other terms and conditions typically found in a separate license agreement or “Read Me” file located near such materials. SRR is a distributor \\(and not a publisher\\) of content supplied by Third-Party Content Providers and users. Accordingly, SRR has no more editorial control over such content than does a public library, bookstore, or newsstand. Any opinions, advice, statements, services, offers, or other information or content expressed or made available by third parties, including information providers or any other users of the System are those of the respective author\\(s\\) or distributor\\(s\\) and not of SRR. Neither SRR nor any Third-Party Content Provider guarantees the accuracy, completeness, or usefulness of any content, nor its merchantability or fitness for any particular purpose. \\(Refer to Section 8 above for the complete provisions governing limitation of liabilities and disclaimers of warranty.\\)\n\n\\(B\\) In many instances, the information available through the System represents the opinions and judgments of the respective Third-Party Content Provider or other users not under contract with SRR. SRR neither endorses nor is responsible for the accuracy or reliability of any opinion, advice or statement made on the System or the software applications, content or services accessible through the System. Under no circumstances will SRR, its affiliates, Third-Party Content Provide",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_industry.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_industry.md",
      "headings": [
        "Industry Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fcd .concept}",
        "1. Agreement {#section_ebc_24j_qfc .section}",
        "2. Definitions {#section_vcj_nnj_qfc .section}",
        "3. General {#section_bj3_jnj_qfc .section}",
        "4. Data {#section_jhd_bnj_qfc .section}",
        "5. Changes {#section_ojr_jmj_qfc .section}",
        "6. Equipment {#section_szg_v3j_qfc .section}",
        "7. Your Conduct {#section_us1_n3j_qfc .section}",
        "8. Disclaimer of Warranty; Limitation of Liability {#section_hww_33j_qfc .section}",
        "9. Monitoring {#section_epq_13j_qfc .section}",
        "10. Indemnification {#section_sff_zhj_qfc .section}",
        "11. Termination {#section_l1m_thj_qfc .section}",
        "12. Trademarks {#section_pl2_rhj_qfc .section}",
        "13. Third-Party Content {#section_ypv_nhj_qfc .section}",
        "14. Privacy and Breach Notification {#section_j2l_jhj_qfc .section}",
        "15. Digital Millennium Copyright Act of 1998 \\(“DMCA”\\) Policy: {#section_wkr_hhj_qfc .section}",
        "16. Miscellaneous {#section_hfq_2hj_qfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_industry.html",
      "snippet": null
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      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_industry.md:chunk-17",
      "title": "Industry Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fcd .concept}",
      "content": "on, advice or statement made on the System or the software applications, content or services accessible through the System. Under no circumstances will SRR, its affiliates, Third-Party Content Providers, Licensors and the state agencies and federal agencies participating in the System and their respective directors, officers, employees and agents be liable for any loss or damage caused by Your reliance on information obtained through the System. It is Your responsibility to evaluate the accuracy, completeness or usefulness of any information, opinion, advice or other content available through the System. Please seek the advice of professionals, as appropriate, regarding the evaluation of any specific information, opinion, advice or other content.\n\n\\(C\\) The System may contain links to websites operated by persons or entities other than SRR. Such hyperlinks to other websites, whether to a home page or some other page on a website, are provided for Your reference and convenience only. You agree not to hold SRR, its affiliates, Third-Party Content Providers, Licensors and the state agencies and federal agencies participating in the System and their respective directors, officers, employees and agents responsible for the content or operation of such websites. A link from the System to another website does not imply or mean that SRR endorses the content on that website or the operator or operations of that website. You are solely responsible for determining the extent to which You use any content at any other websites to which the System links.\n\n## 14. Privacy and Breach Notification \n\nData submitted to a state agency or federal agency will be subject to the public information, privacy and breach notification laws and policies of such agency.\n\n## 15. Digital Millennium Copyright Act of 1998 \\(“DMCA”\\) Policy: \n\nCopyrights and DMCA Copyright Agent SRR respects the rights of all copyright holders and in this regard, SRR has adopted and implemented a DMCA Policy, which prov",
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      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_industry.md",
      "headings": [
        "Industry Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fcd .concept}",
        "1. Agreement {#section_ebc_24j_qfc .section}",
        "2. Definitions {#section_vcj_nnj_qfc .section}",
        "3. General {#section_bj3_jnj_qfc .section}",
        "4. Data {#section_jhd_bnj_qfc .section}",
        "5. Changes {#section_ojr_jmj_qfc .section}",
        "6. Equipment {#section_szg_v3j_qfc .section}",
        "7. Your Conduct {#section_us1_n3j_qfc .section}",
        "8. Disclaimer of Warranty; Limitation of Liability {#section_hww_33j_qfc .section}",
        "9. Monitoring {#section_epq_13j_qfc .section}",
        "10. Indemnification {#section_sff_zhj_qfc .section}",
        "11. Termination {#section_l1m_thj_qfc .section}",
        "12. Trademarks {#section_pl2_rhj_qfc .section}",
        "13. Third-Party Content {#section_ypv_nhj_qfc .section}",
        "14. Privacy and Breach Notification {#section_j2l_jhj_qfc .section}",
        "15. Digital Millennium Copyright Act of 1998 \\(“DMCA”\\) Policy: {#section_wkr_hhj_qfc .section}",
        "16. Miscellaneous {#section_hfq_2hj_qfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_industry.html",
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      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_industry.md:chunk-18",
      "title": "Industry Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fcd .concept}",
      "content": "ight Act of 1998 \\(“DMCA”\\) Policy: \n\nCopyrights and DMCA Copyright Agent SRR respects the rights of all copyright holders and in this regard, SRR has adopted and implemented a DMCA Policy, which provides for the termination of Your and other users’ rights to access the System in appropriate circumstances \\(e.g., repeat infringement\\).\n\n## 16. Miscellaneous \n\n\\(A\\)\n\n-   \\(1\\) Any dispute between You and a state agency and/or federal agency must be resolved with that agency and not SRR.\n-   \\(2\\) Unless specifically provided otherwise herein, all notices and communications to You from SRR hereunder will be made by registered or certified mail, fax or e-mail, using the contact information provided by You, or at Your log-in page and will be deemed to have been duly given and made when sent to You or when You log in to the System, as applicable.\n-   \\(3\\) All notices and communications to SRR hereunder must be in writing and will be deemed to have been duly given and made when received if \\(i\\) served by personal delivery upon SRR, \\(ii\\) delivered by registered or certified mail, return receipt requested, to 1300 I Street, NW, Suite 700 East, Washington, DC 20005, Attention: SRR President and CEO, cc to CSBS General Counsel, \\(iii\\) sent by fax to \\(202\\) 296-1928, Attention: SRR President and CEO or \\(iv\\) sent by e- mail to SRRnotifications@csbs.org, provided that receipt of the fax or e-mail notice or communication is promptly confirmed by telephone confirmation thereof.\n\n\\(B\\) All use of the System and the export, re-export or distribution of SRR software products are subject to U.S. economic sanction laws and regulations administered by the U.S. Treasury Office of Foreign Assets Control and other agencies, including the Office of Export Enforcement of the Department of Commerce. These agencies maintain and update lists of prohibited countries and individuals and administer sanctions against U.S. corporations and individuals conducting business with designated enti",
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      "headings": [
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        "1. Agreement {#section_ebc_24j_qfc .section}",
        "2. Definitions {#section_vcj_nnj_qfc .section}",
        "3. General {#section_bj3_jnj_qfc .section}",
        "4. Data {#section_jhd_bnj_qfc .section}",
        "5. Changes {#section_ojr_jmj_qfc .section}",
        "6. Equipment {#section_szg_v3j_qfc .section}",
        "7. Your Conduct {#section_us1_n3j_qfc .section}",
        "8. Disclaimer of Warranty; Limitation of Liability {#section_hww_33j_qfc .section}",
        "9. Monitoring {#section_epq_13j_qfc .section}",
        "10. Indemnification {#section_sff_zhj_qfc .section}",
        "11. Termination {#section_l1m_thj_qfc .section}",
        "12. Trademarks {#section_pl2_rhj_qfc .section}",
        "13. Third-Party Content {#section_ypv_nhj_qfc .section}",
        "14. Privacy and Breach Notification {#section_j2l_jhj_qfc .section}",
        "15. Digital Millennium Copyright Act of 1998 \\(“DMCA”\\) Policy: {#section_wkr_hhj_qfc .section}",
        "16. Miscellaneous {#section_hfq_2hj_qfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_industry.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_industry.md:chunk-19",
      "title": "Industry Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fcd .concept}",
      "content": "f Commerce. These agencies maintain and update lists of prohibited countries and individuals and administer sanctions against U.S. corporations and individuals conducting business with designated entities.\n\n\\(C\\) This Agreement constitutes the entire agreement of the parties with respect to the subject matter hereof, and supersede all previous written or oral agreements between the parties with respect to such subject matter.\n\n\\(D\\) This Agreement will be construed in accordance with the laws of the Commonwealth of Virginia, without regard to its conflict of laws rules. The parties hereto agree that the jurisdiction for any claim brought under this Agreement will be the County of Arlington, Virginia. The parties hereto expressly waive any right to a jury trial.\n\n\\(E\\) No waiver by either party of any breach or default hereunder will be deemed to be a waiver of any preceding or subsequent breach or default.\n\n\\(F\\) If any of these terms, or the application thereof to any individual, entity or circumstance, is deemed to any extent to be invalid or unenforceable, the remainder of these terms, or the application of such terms or provisions to persons or circumstances other than those as to which they are invalid or unenforceable, will not be affected thereby, and each term and provision of these terms will be valid and enforceable to the fullest extent permitted bylaw.\n\n\\(G\\) Except as otherwise set forth in this Agreement, no third party will be entitled to enforce these terms against the respective parties as third-party beneficiaries thereof.\n\n\\(H\\) The section headings used herein are for convenience only and are not to be given any legal import.\n\n\\(I\\) This Agreement will be binding upon and inure to the benefit of the parties hereto and their respective successors, legal representatives and permitted assigns. You may not assign any of its rights or delegate any of its obligations under this Agreement, other than to an affiliate, without the prior written consent of",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_industry.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_industry.md",
      "headings": [
        "Industry Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fcd .concept}",
        "1. Agreement {#section_ebc_24j_qfc .section}",
        "2. Definitions {#section_vcj_nnj_qfc .section}",
        "3. General {#section_bj3_jnj_qfc .section}",
        "4. Data {#section_jhd_bnj_qfc .section}",
        "5. Changes {#section_ojr_jmj_qfc .section}",
        "6. Equipment {#section_szg_v3j_qfc .section}",
        "7. Your Conduct {#section_us1_n3j_qfc .section}",
        "8. Disclaimer of Warranty; Limitation of Liability {#section_hww_33j_qfc .section}",
        "9. Monitoring {#section_epq_13j_qfc .section}",
        "10. Indemnification {#section_sff_zhj_qfc .section}",
        "11. Termination {#section_l1m_thj_qfc .section}",
        "12. Trademarks {#section_pl2_rhj_qfc .section}",
        "13. Third-Party Content {#section_ypv_nhj_qfc .section}",
        "14. Privacy and Breach Notification {#section_j2l_jhj_qfc .section}",
        "15. Digital Millennium Copyright Act of 1998 \\(“DMCA”\\) Policy: {#section_wkr_hhj_qfc .section}",
        "16. Miscellaneous {#section_hfq_2hj_qfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_industry.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_industry.md:chunk-20",
      "title": "Industry Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fcd .concept}",
      "content": "al representatives and permitted assigns. You may not assign any of its rights or delegate any of its obligations under this Agreement, other than to an affiliate, without the prior written consent of SRR.\n\n**Parent topic:**NMLS System Policies and Terms of Use",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_industry.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_industry.md",
      "headings": [
        "Industry Terms of Use {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fcd .concept}",
        "1. Agreement {#section_ebc_24j_qfc .section}",
        "2. Definitions {#section_vcj_nnj_qfc .section}",
        "3. General {#section_bj3_jnj_qfc .section}",
        "4. Data {#section_jhd_bnj_qfc .section}",
        "5. Changes {#section_ojr_jmj_qfc .section}",
        "6. Equipment {#section_szg_v3j_qfc .section}",
        "7. Your Conduct {#section_us1_n3j_qfc .section}",
        "8. Disclaimer of Warranty; Limitation of Liability {#section_hww_33j_qfc .section}",
        "9. Monitoring {#section_epq_13j_qfc .section}",
        "10. Indemnification {#section_sff_zhj_qfc .section}",
        "11. Termination {#section_l1m_thj_qfc .section}",
        "12. Trademarks {#section_pl2_rhj_qfc .section}",
        "13. Third-Party Content {#section_ypv_nhj_qfc .section}",
        "14. Privacy and Breach Notification {#section_j2l_jhj_qfc .section}",
        "15. Digital Millennium Copyright Act of 1998 \\(“DMCA”\\) Policy: {#section_wkr_hhj_qfc .section}",
        "16. Miscellaneous {#section_hfq_2hj_qfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_industry.html",
      "snippet": null
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    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_nmlsPayment.md:chunk-0",
      "title": "NMLS Payment Terms Agreement for All Users {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7fea .concept}",
      "content": "# NMLS Payment Terms Agreement for All Users \n\nThank you for using the Nationwide Multistate Licensing System \\(NMLS\\) for your licensing or registration needs. Licensing and registration payment services on this web site \\(the \"Payment Site\"\\) are provided by the State Regulatory Registry LLC \\(\"SRR\"\\), and are subject to these payment terms and conditions \\(these \"Payment Terms\"\\).\n\nTo the extent that you use the Payment Site, these Payment Terms suppliement, and are incorporated into, the user agreement applicable to you for your use of NMLS. It is important that you read carefully and understand these Payment Terms. You must agree to these Payment Terms prior to using the Payment Site to make payments to register for SAFE Mortgage Loan Originator Test Components, to apply for, amend, or renew a license or registration, or for subscription fees, and other SRR related fees. If you do not agree to these Payment Terms, please do not click **I agree** and do not use the Payment Site to make any payments. We reserve the right at any time to change these Payment Terms. Any changes we make will be effective immediately.\n\n## No Refunds or Changes \n\nAll fees paid through NMLS are non-refundable, non-changeable, and non-transferable.\n\n## Making Payments \n\nThe Payment Site is solely provided to allow you and other users to make payments to register for SAFE Mortgage Loan Originator Test Components, to apply for, amend, or renew a license or registration for personal use or for use by others for whome you are legally authorized to act, or for subscription fees, or other SRR related service or processing fees, and for no other purpose.\n\nYou agree that the total amount of your invoice will be charged to the credit card or bank account number that you supply to us. The total amount that you must pay to us will be discolsed to you prior to payment. You are responsible for all applicable taxes. You are responsible for any fees or charges incurred to access the Payment Site throug",
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      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_nmlsPayment.md",
      "headings": [
        "NMLS Payment Terms Agreement for All Users {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7fea .concept}",
        "No Refunds or Changes {#section_xdh_45m_rfc .section}",
        "Making Payments {#section_yrp_q5m_rfc .section}",
        "Disputes {#section_hcs_dvm_rfc .section}",
        "Disclaimers {#section_iy1_qvm_rfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_nmlsPayment.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_nmlsPayment.md:chunk-1",
      "title": "NMLS Payment Terms Agreement for All Users {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7fea .concept}",
      "content": " that you must pay to us will be discolsed to you prior to payment. You are responsible for all applicable taxes. You are responsible for any fees or charges incurred to access the Payment Site through an Internet access providier or otherwise.\n\n## Disputes \n\nAny disputes regarding NMLS Processing, Subscription, Test Enrollment, CBC Processing and Credit Report Processing fees must be resolved directly with the SRR Dispute Resolution Representative at accounting@csbs.org.\n\nAny disputes regarding Stte fees, including application, licensing and amendment fees, must be resolved between you and the regulatory agency\\(ies\\) that grant\\(s\\) the license\\(s\\).\n\n## Disclaimers \n\nTHE PAYMENT SITE, THE MATERIALS OR OTHER PRODUCT OR SERVICE OBTAINED THROUGH THE PAYMENT SITE ARE PROVIDED \"AS IS\" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, SRR AND ITS AFFILIATES, LICENSORS, SUPPLIERS, ADVERTISERS, SPONSORS, AND AGENTS DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF TITLE, NON-INFRINGEMENT, ACCURACY, MERCHANTABILITY, AND FITNESS FOR A PARTICULAR PURPOSE, ANDY ANY WARRANTIES THAT MAY ARISE FROM COURSE OF DEALING, COURSE OF PERFORMANCE OR USAGE OF TRADE. APPLICABLE LAW MAY NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSIIONS MAY NOT APPLY TO YOU.\n\nSRR AND ITS AFFILIATES, LICENSORS, SUPPLIERS, ADVERTISERS, SPONSORS, AND AGENTS DO NOT WARRANT THAT YOUR USE OF THE PAYMENT SITE OR THE MATERIALS WILL BE UNINTERRUPTED, ERROR-FREE OR SECURE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE PAYMENT SITE, THE SERVER\\(S\\) ON WHICH THE PAYMENT SITE IS HOSTED, OR MATERIALS ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. YOU ACKNOWLEDGE THAT YOU ARE RESPONSIBLE FOR OBTAINING AND MAINTAINING ALL TELEPHONE, COMPUTER HARDWARE, AND OTHER EQUIPMENT NEEDED TO ACCESS AND USE THE PAYMENT SITE, AND ALL CHARGES RELATED THERETO. YOU ASSUME ALL RESPONSIBILITY AND RISK FOR YOU USE OF T",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_nmlsPayment.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_nmlsPayment.md",
      "headings": [
        "NMLS Payment Terms Agreement for All Users {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7fea .concept}",
        "No Refunds or Changes {#section_xdh_45m_rfc .section}",
        "Making Payments {#section_yrp_q5m_rfc .section}",
        "Disputes {#section_hcs_dvm_rfc .section}",
        "Disclaimers {#section_iy1_qvm_rfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_nmlsPayment.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_nmlsPayment.md:chunk-2",
      "title": "NMLS Payment Terms Agreement for All Users {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7fea .concept}",
      "content": "ND MAINTAINING ALL TELEPHONE, COMPUTER HARDWARE, AND OTHER EQUIPMENT NEEDED TO ACCESS AND USE THE PAYMENT SITE, AND ALL CHARGES RELATED THERETO. YOU ASSUME ALL RESPONSIBILITY AND RISK FOR YOU USE OF THE PAYMENT SITE AND THE MATERIALS AND YOUR RELIANCE THEREON. NO OPINION, ADVICE, OR STATEMENT OF SRR OR ITS AFFILIATES, LICENSORS, SUPPLIERS, ADVERTISERS, SPONSORS, AGENTS, MEMBES, OR VISITORS, WHETHER MADE ON THE PAYMENT SITE, IN THE MATERIALS, OR OTHERWISE, SHALL CREATE ANY WARRANTY. **YOUR USE OF THE THE PAYMENT SITE AND THE MATERIALS IS ENTIRELY AT YOUR OWN RISK.**\n\n**Parent topic:**NMLS Payment Options",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_nmlsPayment.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_nmlsPayment.md",
      "headings": [
        "NMLS Payment Terms Agreement for All Users {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7fea .concept}",
        "No Refunds or Changes {#section_xdh_45m_rfc .section}",
        "Making Payments {#section_yrp_q5m_rfc .section}",
        "Disputes {#section_hcs_dvm_rfc .section}",
        "Disclaimers {#section_iy1_qvm_rfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_nmlsPayment.html",
      "snippet": null
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      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_nmlsPayment_2.md:chunk-0",
      "title": "NMLS Payment Terms Agreement for All Users {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7fea .concept}",
      "content": "# NMLS Payment Terms Agreement for All Users \n\nThank you for using the Nationwide Multistate Licensing System \\(NMLS\\) for your licensing or registration needs. Licensing and registration payment services on this web site \\(the \"Payment Site\"\\) are provided by the State Regulatory Registry LLC \\(\"SRR\"\\), and are subject to these payment terms and conditions \\(these \"Payment Terms\"\\).\n\nTo the extent that you use the Payment Site, these Payment Terms suppliement, and are incorporated into, the user agreement applicable to you for your use of NMLS. It is important that you read carefully and understand these Payment Terms. You must agree to these Payment Terms prior to using the Payment Site to make payments to register for SAFE Mortgage Loan Originator Test Components, to apply for, amend, or renew a license or registration, or for subscription fees, and other SRR related fees. If you do not agree to these Payment Terms, please do not click **I agree** and do not use the Payment Site to make any payments. We reserve the right at any time to change these Payment Terms. Any changes we make will be effective immediately.\n\n## No Refunds or Changes \n\nAll fees paid through NMLS are non-refundable, non-changeable, and non-transferable.\n\n## Making Payments \n\nThe Payment Site is solely provided to allow you and other users to make payments to register for SAFE Mortgage Loan Originator Test Components, to apply for, amend, or renew a license or registration for personal use or for use by others for whome you are legally authorized to act, or for subscription fees, or other SRR related service or processing fees, and for no other purpose.\n\nYou agree that the total amount of your invoice will be charged to the credit card or bank account number that you supply to us. The total amount that you must pay to us will be discolsed to you prior to payment. You are responsible for all applicable taxes. You are responsible for any fees or charges incurred to access the Payment Site throug",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_nmlsPayment_2.md",
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      "headings": [
        "NMLS Payment Terms Agreement for All Users {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7fea .concept}",
        "No Refunds or Changes {#section_xdh_45m_rfc .section}",
        "Making Payments {#section_yrp_q5m_rfc .section}",
        "Disputes {#section_hcs_dvm_rfc .section}",
        "Disclaimers {#section_iy1_qvm_rfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_nmlsPayment_2.html",
      "snippet": null
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      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_nmlsPayment_2.md:chunk-1",
      "title": "NMLS Payment Terms Agreement for All Users {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7fea .concept}",
      "content": " that you must pay to us will be discolsed to you prior to payment. You are responsible for all applicable taxes. You are responsible for any fees or charges incurred to access the Payment Site through an Internet access providier or otherwise.\n\n## Disputes \n\nAny disputes regarding NMLS Processing, Subscription, Test Enrollment, CBC Processing and Credit Report Processing fees must be resolved directly with the SRR Dispute Resolution Representative at accounting@csbs.org.\n\nAny disputes regarding Stte fees, including application, licensing and amendment fees, must be resolved between you and the regulatory agency\\(ies\\) that grant\\(s\\) the license\\(s\\).\n\n## Disclaimers \n\nTHE PAYMENT SITE, THE MATERIALS OR OTHER PRODUCT OR SERVICE OBTAINED THROUGH THE PAYMENT SITE ARE PROVIDED \"AS IS\" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, SRR AND ITS AFFILIATES, LICENSORS, SUPPLIERS, ADVERTISERS, SPONSORS, AND AGENTS DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF TITLE, NON-INFRINGEMENT, ACCURACY, MERCHANTABILITY, AND FITNESS FOR A PARTICULAR PURPOSE, ANDY ANY WARRANTIES THAT MAY ARISE FROM COURSE OF DEALING, COURSE OF PERFORMANCE OR USAGE OF TRADE. APPLICABLE LAW MAY NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSIIONS MAY NOT APPLY TO YOU.\n\nSRR AND ITS AFFILIATES, LICENSORS, SUPPLIERS, ADVERTISERS, SPONSORS, AND AGENTS DO NOT WARRANT THAT YOUR USE OF THE PAYMENT SITE OR THE MATERIALS WILL BE UNINTERRUPTED, ERROR-FREE OR SECURE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE PAYMENT SITE, THE SERVER\\(S\\) ON WHICH THE PAYMENT SITE IS HOSTED, OR MATERIALS ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. YOU ACKNOWLEDGE THAT YOU ARE RESPONSIBLE FOR OBTAINING AND MAINTAINING ALL TELEPHONE, COMPUTER HARDWARE, AND OTHER EQUIPMENT NEEDED TO ACCESS AND USE THE PAYMENT SITE, AND ALL CHARGES RELATED THERETO. YOU ASSUME ALL RESPONSIBILITY AND RISK FOR YOU USE OF T",
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      "headings": [
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        "No Refunds or Changes {#section_xdh_45m_rfc .section}",
        "Making Payments {#section_yrp_q5m_rfc .section}",
        "Disputes {#section_hcs_dvm_rfc .section}",
        "Disclaimers {#section_iy1_qvm_rfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_nmlsPayment_2.html",
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      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_nmlsPayment_2.md:chunk-2",
      "title": "NMLS Payment Terms Agreement for All Users {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7fea .concept}",
      "content": "ND MAINTAINING ALL TELEPHONE, COMPUTER HARDWARE, AND OTHER EQUIPMENT NEEDED TO ACCESS AND USE THE PAYMENT SITE, AND ALL CHARGES RELATED THERETO. YOU ASSUME ALL RESPONSIBILITY AND RISK FOR YOU USE OF THE PAYMENT SITE AND THE MATERIALS AND YOUR RELIANCE THEREON. NO OPINION, ADVICE, OR STATEMENT OF SRR OR ITS AFFILIATES, LICENSORS, SUPPLIERS, ADVERTISERS, SPONSORS, AGENTS, MEMBES, OR VISITORS, WHETHER MADE ON THE PAYMENT SITE, IN THE MATERIALS, OR OTHERWISE, SHALL CREATE ANY WARRANTY. **YOUR USE OF THE THE PAYMENT SITE AND THE MATERIALS IS ENTIRELY AT YOUR OWN RISK.**\n\n**Parent topic:**NMLS Payment Options",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_nmlsPayment_2.md",
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      "headings": [
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        "No Refunds or Changes {#section_xdh_45m_rfc .section}",
        "Making Payments {#section_yrp_q5m_rfc .section}",
        "Disputes {#section_hcs_dvm_rfc .section}",
        "Disclaimers {#section_iy1_qvm_rfc .section}"
      ],
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      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_nmlsPayment_3.md:chunk-0",
      "title": "NMLS Payment Terms Agreement for All Users {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7fea .concept}",
      "content": "# NMLS Payment Terms Agreement for All Users \n\nThank you for using the Nationwide Multistate Licensing System \\(NMLS\\) for your licensing or registration needs. Licensing and registration payment services on this web site \\(the \"Payment Site\"\\) are provided by the State Regulatory Registry LLC \\(\"SRR\"\\), and are subject to these payment terms and conditions \\(these \"Payment Terms\"\\).\n\nTo the extent that you use the Payment Site, these Payment Terms suppliement, and are incorporated into, the user agreement applicable to you for your use of NMLS. It is important that you read carefully and understand these Payment Terms. You must agree to these Payment Terms prior to using the Payment Site to make payments to register for SAFE Mortgage Loan Originator Test Components, to apply for, amend, or renew a license or registration, or for subscription fees, and other SRR related fees. If you do not agree to these Payment Terms, please do not click **I agree** and do not use the Payment Site to make any payments. We reserve the right at any time to change these Payment Terms. Any changes we make will be effective immediately.\n\n## No Refunds or Changes \n\nAll fees paid through NMLS are non-refundable, non-changeable, and non-transferable.\n\n## Making Payments \n\nThe Payment Site is solely provided to allow you and other users to make payments to register for SAFE Mortgage Loan Originator Test Components, to apply for, amend, or renew a license or registration for personal use or for use by others for whome you are legally authorized to act, or for subscription fees, or other SRR related service or processing fees, and for no other purpose.\n\nYou agree that the total amount of your invoice will be charged to the credit card or bank account number that you supply to us. The total amount that you must pay to us will be discolsed to you prior to payment. You are responsible for all applicable taxes. You are responsible for any fees or charges incurred to access the Payment Site throug",
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        "No Refunds or Changes {#section_xdh_45m_rfc .section}",
        "Making Payments {#section_yrp_q5m_rfc .section}",
        "Disputes {#section_hcs_dvm_rfc .section}",
        "Disclaimers {#section_iy1_qvm_rfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_nmlsPayment_3.html",
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    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_nmlsPayment_3.md:chunk-1",
      "title": "NMLS Payment Terms Agreement for All Users {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7fea .concept}",
      "content": " that you must pay to us will be discolsed to you prior to payment. You are responsible for all applicable taxes. You are responsible for any fees or charges incurred to access the Payment Site through an Internet access providier or otherwise.\n\n## Disputes \n\nAny disputes regarding NMLS Processing, Subscription, Test Enrollment, CBC Processing and Credit Report Processing fees must be resolved directly with the SRR Dispute Resolution Representative at accounting@csbs.org.\n\nAny disputes regarding Stte fees, including application, licensing and amendment fees, must be resolved between you and the regulatory agency\\(ies\\) that grant\\(s\\) the license\\(s\\).\n\n## Disclaimers \n\nTHE PAYMENT SITE, THE MATERIALS OR OTHER PRODUCT OR SERVICE OBTAINED THROUGH THE PAYMENT SITE ARE PROVIDED \"AS IS\" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, SRR AND ITS AFFILIATES, LICENSORS, SUPPLIERS, ADVERTISERS, SPONSORS, AND AGENTS DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF TITLE, NON-INFRINGEMENT, ACCURACY, MERCHANTABILITY, AND FITNESS FOR A PARTICULAR PURPOSE, ANDY ANY WARRANTIES THAT MAY ARISE FROM COURSE OF DEALING, COURSE OF PERFORMANCE OR USAGE OF TRADE. APPLICABLE LAW MAY NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSIIONS MAY NOT APPLY TO YOU.\n\nSRR AND ITS AFFILIATES, LICENSORS, SUPPLIERS, ADVERTISERS, SPONSORS, AND AGENTS DO NOT WARRANT THAT YOUR USE OF THE PAYMENT SITE OR THE MATERIALS WILL BE UNINTERRUPTED, ERROR-FREE OR SECURE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE PAYMENT SITE, THE SERVER\\(S\\) ON WHICH THE PAYMENT SITE IS HOSTED, OR MATERIALS ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. YOU ACKNOWLEDGE THAT YOU ARE RESPONSIBLE FOR OBTAINING AND MAINTAINING ALL TELEPHONE, COMPUTER HARDWARE, AND OTHER EQUIPMENT NEEDED TO ACCESS AND USE THE PAYMENT SITE, AND ALL CHARGES RELATED THERETO. YOU ASSUME ALL RESPONSIBILITY AND RISK FOR YOU USE OF T",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_nmlsPayment_3.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_nmlsPayment_3.md",
      "headings": [
        "NMLS Payment Terms Agreement for All Users {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7fea .concept}",
        "No Refunds or Changes {#section_xdh_45m_rfc .section}",
        "Making Payments {#section_yrp_q5m_rfc .section}",
        "Disputes {#section_hcs_dvm_rfc .section}",
        "Disclaimers {#section_iy1_qvm_rfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_nmlsPayment_3.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_nmlsPayment_3.md:chunk-2",
      "title": "NMLS Payment Terms Agreement for All Users {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7fea .concept}",
      "content": "ND MAINTAINING ALL TELEPHONE, COMPUTER HARDWARE, AND OTHER EQUIPMENT NEEDED TO ACCESS AND USE THE PAYMENT SITE, AND ALL CHARGES RELATED THERETO. YOU ASSUME ALL RESPONSIBILITY AND RISK FOR YOU USE OF THE PAYMENT SITE AND THE MATERIALS AND YOUR RELIANCE THEREON. NO OPINION, ADVICE, OR STATEMENT OF SRR OR ITS AFFILIATES, LICENSORS, SUPPLIERS, ADVERTISERS, SPONSORS, AGENTS, MEMBES, OR VISITORS, WHETHER MADE ON THE PAYMENT SITE, IN THE MATERIALS, OR OTHERWISE, SHALL CREATE ANY WARRANTY. **YOUR USE OF THE THE PAYMENT SITE AND THE MATERIALS IS ENTIRELY AT YOUR OWN RISK.**\n\n**Parent topic:**NMLS System Policies and Terms of Use",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_nmlsPayment_3.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\aboutNMLS_termsOfUse_nmlsPayment_3.md",
      "headings": [
        "NMLS Payment Terms Agreement for All Users {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7fea .concept}",
        "No Refunds or Changes {#section_xdh_45m_rfc .section}",
        "Making Payments {#section_yrp_q5m_rfc .section}",
        "Disputes {#section_hcs_dvm_rfc .section}",
        "Disclaimers {#section_iy1_qvm_rfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/aboutNMLS_termsOfUse_nmlsPayment_3.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/nmls_consumerAccess_participation.md:chunk-0",
      "title": "NMLS Consumer Access Participation {#nmls_consumerAccess_participation .concept}",
      "content": "# NMLS Consumer Access Participation \n\nAll state-licensed and registered mortgage companies, branches and MLOs for the following state agencies can be found on NMLS Consumer Access \\(unless otherwise noted\\).\n\n## State-Licensed Companies and Mortgage Loan Originators \\(MLOs\\) \n\n\n\nAlabama\n\n\n\nOklahoma DCC\n\n\n\nOhio\n\n\n\nAlaska\n\n\n\nOregon\n\n\n\nOklahoma DOB\n\n\n\nArizona\n\n\n\nKentucky\n\n\n\nPennsylvania\n\n\n\nArkansas\n\n\n\nLouisiana\n\n\n\nPuerto Rico\n\n\n\nCalifornia BRE\n\n\n\nMaine\n\n\n\nRhode Island\n\n\n\nCalifornia DBO\n\n\n\nMaryland\n\n\n\nSouth Carolina BFI\n\n\n\nColorado\n\n\n\nMassachusetts\n\n\n\nSouth Carolina DCA\n\n\n\nConnecticut\n\n\n\nMichigan\n\n\n\nSouth Dakota\n\n\n\nDelaware\n\n\n\nMinnesota\n\n\n\nTennessee\n\n\n\nDistrict of Columbia\n\n\n\nMississippi\n\n\n\nTexas DOB\n\n\n\nFlorida\n\n\n\nMissouri\n\n\n\nTexas SML\n\n\n\nGeorgia\n\n\n\nMontana\n\n\n\nUtah DRE\n\n\n\nGuam\n\n\n\nNebraska\n\n\n\nVermont\n\n\n\nHawaii\n\n\n\nNevada\n\n\n\nVirginia\n\n\n\nIdaho\n\n\n\nNew Hampshire\n\n\n\nVirgin Islands\n\n\n\nIllinois\n\n\n\nNew Jersey\n\n\n\nWashington\n\n\n\nIndiana DFI\n\n\n\nNew Mexico\n\n\n\nWest Virginia\n\n\n\nIndiana SOS\n\n\n\nNew York\n\n\n\nWisconsin\n\n\n\nIowa\n\n\n\nNorth Carolina\n\n\n\nWyoming\n\n\n\nKansas\n\n\n\nNorth Dakota\n\n\n\n \n\n\n**Note:** NMLS Consumer Access only contains state-licensed individual MLOs for Texas OCCC.\n\n## Federally Registered MLOs \n\nAll federally registered MLOs \\(i.e., those employed by a federally chartered or insured depository institution, or a subsidiary of such an institution\\) and their employing institution can be found onNMLS Consumer Access.\n\n## Other Industries on NMLS \n\nState-licensed non-mortgage companies and branches can be found on NMLS Consumer Access \\(unless otherwise noted\\): Please visit License Types Added to NMLS\n\n.\n\n**Parent topic:**NMLS Unique Identifier",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\nmls_consumerAccess_participation.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\nmls_consumerAccess_participation.md",
      "headings": [
        "NMLS Consumer Access Participation {#nmls_consumerAccess_participation .concept}",
        "State-Licensed Companies and Mortgage Loan Originators \\(MLOs\\) {#section_w5b_mj4_3fc .section}",
        "Federally Registered MLOs {#section_x5b_mj4_3fc .section}",
        "Other Industries on NMLS {#section_np2_lm4_3fc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/nmls_consumerAccess_participation.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/nmls_consumerAccess_participation_2.md:chunk-0",
      "title": "NMLS Consumer Access Participation {#nmls_consumerAccess_participation .concept}",
      "content": "# NMLS Consumer Access Participation \n\nAll state-licensed and registered mortgage companies, branches and MLOs for the following state agencies can be found on NMLS Consumer Access \\(unless otherwise noted\\).\n\n## State-Licensed Companies and Mortgage Loan Originators \\(MLOs\\) \n\n\n\nAlabama\n\n\n\nOklahoma DCC\n\n\n\nOhio\n\n\n\nAlaska\n\n\n\nOregon\n\n\n\nOklahoma DOB\n\n\n\nArizona\n\n\n\nKentucky\n\n\n\nPennsylvania\n\n\n\nArkansas\n\n\n\nLouisiana\n\n\n\nPuerto Rico\n\n\n\nCalifornia BRE\n\n\n\nMaine\n\n\n\nRhode Island\n\n\n\nCalifornia DBO\n\n\n\nMaryland\n\n\n\nSouth Carolina BFI\n\n\n\nColorado\n\n\n\nMassachusetts\n\n\n\nSouth Carolina DCA\n\n\n\nConnecticut\n\n\n\nMichigan\n\n\n\nSouth Dakota\n\n\n\nDelaware\n\n\n\nMinnesota\n\n\n\nTennessee\n\n\n\nDistrict of Columbia\n\n\n\nMississippi\n\n\n\nTexas DOB\n\n\n\nFlorida\n\n\n\nMissouri\n\n\n\nTexas SML\n\n\n\nGeorgia\n\n\n\nMontana\n\n\n\nUtah DRE\n\n\n\nGuam\n\n\n\nNebraska\n\n\n\nVermont\n\n\n\nHawaii\n\n\n\nNevada\n\n\n\nVirginia\n\n\n\nIdaho\n\n\n\nNew Hampshire\n\n\n\nVirgin Islands\n\n\n\nIllinois\n\n\n\nNew Jersey\n\n\n\nWashington\n\n\n\nIndiana DFI\n\n\n\nNew Mexico\n\n\n\nWest Virginia\n\n\n\nIndiana SOS\n\n\n\nNew York\n\n\n\nWisconsin\n\n\n\nIowa\n\n\n\nNorth Carolina\n\n\n\nWyoming\n\n\n\nKansas\n\n\n\nNorth Dakota\n\n\n\n \n\n\n**Note:** NMLS Consumer Access only contains state-licensed individual MLOs for Texas OCCC.\n\n## Federally Registered MLOs \n\nAll federally registered MLOs \\(i.e., those employed by a federally chartered or insured depository institution, or a subsidiary of such an institution\\) and their employing institution can be found onNMLS Consumer Access.\n\n## Other Industries on NMLS \n\nState-licensed non-mortgage companies and branches can be found on NMLS Consumer Access \\(unless otherwise noted\\): Please visit License Types Added to NMLS\n\n.\n\n**Parent topic:**NMLS Unique Identifier",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\nmls_consumerAccess_participation_2.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\nmls_consumerAccess_participation_2.md",
      "headings": [
        "NMLS Consumer Access Participation {#nmls_consumerAccess_participation .concept}",
        "State-Licensed Companies and Mortgage Loan Originators \\(MLOs\\) {#section_w5b_mj4_3fc .section}",
        "Federally Registered MLOs {#section_x5b_mj4_3fc .section}",
        "Other Industries on NMLS {#section_np2_lm4_3fc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/nmls_consumerAccess_participation_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/nmls_newLicenseTypes.md:chunk-0",
      "title": "License Types Added to NMLS {#nmls_newLicenseTypes .reference}",
      "content": "# License Types Added to NMLS \n\n​​​​​State agencies are expanding their use of NMLS to manage license authorities beyond the mortgage industry.\n\n-   License authorities may include corporate and branch license authorities.\n-   For money transmitters, Authorized Agents/Authorized Delegates will NOT be managed using the NMLS Branch Licensing Form. State regulators are working on separate functionality to manage the reporting of these Agents/Delegates in a uniform manner.\n-   Licensing standards and requirements will continue to be determined by state law.\n-   Company \\(MU1\\) Form Filing Instructions - Instructions and workflow for submitting a complete Company \\(MU1\\) form through NMLS, including instructions for Individual \\(MU2\\) form attestation. Helpful to companies trying to complete their record for the first time in NMLS.\n\n|State Agency|License Name|Branch License Requirment?|Industry Type|Go Live Date|Transition Required?|Transition Deadline|Status in NMLS|\n|------------|------------|--------------------------|-------------|------------|--------------------|-------------------|--------------|\n|NE|Installment Loan Company License|Yes|Consumer Finance|4/16/2012|Mandatory|10/1/2013|Available in NMLS|\n|MA|Check Casher|Yes|Money Service Business|4/16/2012|Mandatory|6/1/2012|Available in NMLS|\n|MA|Check Seller|No|Money Service Business|4/16/2012|Mandatory|8/31/2012|Available in NMLS|\n|MA|Debt Collector|Yes|Consumer Finance, Debt, Mortgage|4/16/2012|Mandatory|7/31/2012|Available in NMLS|\n|MA|Foreign Transmittal Agency|No|Money Service Business|4/16/2012|Mandatory|6/30/2012|Available in NMLS|\n|MA|Insurance Premium Finance Company|Yes|Consumer Finance|4/16/2012|Mandatory|6/30/2012|Available in NMLS|\n|MA|Motor Vehicle Sales Finance Company|Yes|Consumer Finance|4/16/2012|Mandatory|9/30/2012|Available in NMLS|\n|MA|Retail Installment Sales Finance Company|Yes|Consumer Finance|4/16/2012|Mandatory|9/30/2012|Available in NMLS|\n|MA|Small Loan Company|Yes|Consumer Finance|4/16/",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\nmls_newLicenseTypes.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\nmls_newLicenseTypes.md",
      "headings": [
        "License Types Added to NMLS {#nmls_newLicenseTypes .reference}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/nmls_newLicenseTypes.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/nmls_newLicenseTypes.md:chunk-1",
      "title": "License Types Added to NMLS {#nmls_newLicenseTypes .reference}",
      "content": "datory|9/30/2012|Available in NMLS|\n|MA|Retail Installment Sales Finance Company|Yes|Consumer Finance|4/16/2012|Mandatory|9/30/2012|Available in NMLS|\n|MA|Small Loan Company|Yes|Consumer Finance|4/16/2012|Mandatory|8/31/2012|Available in NMLS|\n|OK-DOCC|Deferred Deposit Lenders|Yes|Consumer Finance|4/16/2012|Optional|N/A|Available in NMLS|\n|RI|Check Casher License|Yes|Consumer Finance, Money Service Business|4/16/2012|Mandatory|6/30/2012|Available in NMLS|\n|RI|Debt Management Services Registration|No|Debt|4/16/2012|Mandatory|6/30/2012|Available in NMLS|\n|RI|Electronic Money Transfers|No|Money Service Business|4/16/2012|Mandatory|6/30/2012|Available in NMLS|\n|RI|Sales of Checks|No|Money Service Business|4/16/2012|Mandatory|6/30/2012|Available in NMLS|\n|RI|Small Loan Lender|Yes|Consumer Finance|4/16/2012|Mandatory|6/30/2012|Available in NMLS|\n|VT|Sales Finance License|Yes|Consumer Finance|4/16/2012|Mandatory|6/30/2012|Available in NMLS|\n|WA|Currency Exchange \\(only\\)|No|Money Service Business|4/16/2012|Mandatory|6/30/2013|Available in NMLS|\n|WA|Money Transmitter \\(includes Currency Exchange\\)|No|Money Service Business|4/16/2012|Mandatory|12/31/2013|Available in NMLS|\n|LA|Licensed Lender Main Office|Yes|Consumer Finance|7/1/2012|Mandatory|10/1/2012|Available in NMLS|\n|LA|Insurance Premium Finance License|Yes|Consumer Finance|7/1/2012|Mandatory|10/1/2012|Available in NMLS|\n|LA|Pawnbroker Main Office|Yes|Consumer Finance|7/1/2012|Mandatory|10/1/2012|Available in NMLS|\n|VT|Check Cashing and Currency Exchange|Yes|Money Service Business|7/1/2012|Mandatory|9/30/2012|Available in NMLS|\n|VT|Money Transmitter|Yes|Money Service Business|7/1/2012|Mandatory|9/30/2012|Available in NMLS|\n|NH|Debt Adjuster License|Yes|Debt|7/9/2012|Optional|N/A|Available in NMLS|\n|NH|Motor Vehicle Retail Seller License|Yes|Consumer Finance|7/9/2012|Optional|N/A|Available in NMLS|\n|NH|Motor Vehicle Sales Finance Company License|Yes|Consumer Finance|7/9/2012|Optional|N/A|Available in NMLS|\n|NH|Small Loa",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\nmls_newLicenseTypes.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\nmls_newLicenseTypes.md",
      "headings": [
        "License Types Added to NMLS {#nmls_newLicenseTypes .reference}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/nmls_newLicenseTypes.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/nmls_newLicenseTypes.md:chunk-2",
      "title": "License Types Added to NMLS {#nmls_newLicenseTypes .reference}",
      "content": "Seller License|Yes|Consumer Finance|7/9/2012|Optional|N/A|Available in NMLS|\n|NH|Motor Vehicle Sales Finance Company License|Yes|Consumer Finance|7/9/2012|Optional|N/A|Available in NMLS|\n|NH|Small Loan Lender License|Yes|Consumer Finance|7/9/2012|Optional|N/A|Available in NMLS|\n|WA|Check Casher|Yes|Money Service Business|7/30/2012|Mandatory|12/31/2014|Available in NMLS|\n|WA|Check Casher with Small Loan Endorsement|Yes|Consumer Finance, Money Service Business|7/30/2012|Mandatory|12/31/2014|Available in NMLS|\n|TN|Deferred Presentment License \\(headquarters\\)|Yes|Consumer Finance|8/1/2012|Mandatory|10/1/2012|Available in NMLS|\n|ID|Money Transmitters|No|Money Service Business|9/1/2012|Optional|N/A|Available in NMLS|\n|PA|Debt Management Services|Yes|Debt|9/1/2012|Mandatory|12/31/2012|Available in NMLS|\n|PA|Debt Management Services \\(DL\\)|Yes|Debt|9/1/2012|Mandatory|12/31/2012|Available in NMLS|\n|PA|Money Transmitter|No|Money Service Business|9/1/2012|Mandatory|12/31/2012|Available in NMLS|\n|OK-DOB|Money Transmission License|No|Money Service Business|10/1/2012|Mandatory|10/1/2013|Available in NMLS|\n|IN-SOS|Collection Agency License|Yes|Debt|11/1/2012|Mandatory|12/31/2012|Available in NMLS|\n|VT|Debt Adjuster|Yes|Debt, Mortgage|11/1/2012|Mandatory|3/31/2013|Available in NMLS|\n|KY|Money Transmitter License|No|Money Service Business|1/1/2013|Optional|N/A|Available in NMLS|\n|MD|Money Transmitter License|Yes|Money Service Business|1/2/2013|Mandatory|3/4/2013|Available in NMLS|\n|PA|Check Casher License|Yes|Money Service Business|2/15/2013|Mandatory|4/30/2013|Available in NMLS|\n|PA|Retail Grocery Store Check Casher License|Yes|Money Service Business|2/15/2013|Mandatory|4/30/2013|Available in NMLS|\n|NE|Installment Sales Company License|Yes|Consumer Finance|4/15/2013|Mandatory|10/1/2013|Available in NMLS|\n|NH|Money Transmitter License|No|Money Service Business|6/24/2013|Optional|N/A|Available in NMLS|\n|IA|Debt Management License|Yes|Debt|7/1/2013|Mandatory|4/1/2014|Available in NML",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\nmls_newLicenseTypes.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\nmls_newLicenseTypes.md",
      "headings": [
        "License Types Added to NMLS {#nmls_newLicenseTypes .reference}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/nmls_newLicenseTypes.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/nmls_newLicenseTypes.md:chunk-3",
      "title": "License Types Added to NMLS {#nmls_newLicenseTypes .reference}",
      "content": "3|Available in NMLS|\n|NH|Money Transmitter License|No|Money Service Business|6/24/2013|Optional|N/A|Available in NMLS|\n|IA|Debt Management License|Yes|Debt|7/1/2013|Mandatory|4/1/2014|Available in NMLS|\n|IA|Delayed Deposit Services Business Registration|Yes|Consumer Finance|7/1/2013|Mandatory|4/1/2014|Available in NMLS|\n|IA|Money Services License|No|Money Service Business|7/1/2013|Mandatory|4/1/2014|Available in NMLS|\n|ND|Collection Agency License|Yes|Debt|7/1/2013|Mandatory|8/1/2014|Available in NMLS|\n|ND|Debt Settlement Service Provider License|Yes|Debt|7/1/2013|Mandatory|8/1/2014|Available in NMLS|\n|ND|Deferred Presentment Service Provider License|Yes|Consumer Finance|7/1/2013|Mandatory|8/1/2014|Available in NMLS|\n|WI|Seller of Checks|No|Money Service Business|7/1/2013|Optional|N/A|Available in NMLS|\n|PA|Pawnbroker License|Yes|Consumer Finance|8/1/2013|Mandatory|9/30/2013|Available in NMLS|\n|ID|Collection Agency License|Yes|Consumer Finance, Debt, Mortgage|9/3/2013|Optional|N/A|Available in NMLS|\n|ID|Payday Lender License|Yes|Consumer Finance|9/3/2013|Optional|N/A|Available in NMLS|\n|ID|Regulated Lender License|Yes|Consumer Finance, Mortgage|9/3/2013|Optional|N/A|Available in NMLS|\n|RI|Debt Collector Registration|Yes|Debt|9/3/2013|Mandatory|12/31/2014|Available in NMLS|\n|WY|Money Transmitter License|No|Money Service Business|9/30/2013|Optional|N/A|Available in NMLS|\n|MN|Money Transmitter License|No|Money Service Business|10/1/2013|Mandatory|12/1/2013|Available in NMLS|\n|MI|Money Transmitter License|No|Money Service Business|10/1/2013|Mandatory|12/1/2013|Available in NMLS|\n|TN|Money Transmitter License|No|Money Service Business|10/1/2013|Mandatory|12/31/2013|Available in NMLS|\n|ND|Money Transmitter License|No|Money Service Business|10/25/2013|Mandatory|8/1/2014|Available in NMLS|\n|LA|Sale of Checks and Money Transmitters|No|Money Service Business|10/31/2013|Mandatory|12/31/2013|Available in NMLS|\n|IN-DFI|Money Transmitter License|No|Money Service Business|11/1/201",
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      "headings": [
        "License Types Added to NMLS {#nmls_newLicenseTypes .reference}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/nmls_newLicenseTypes.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/nmls_newLicenseTypes.md:chunk-4",
      "title": "License Types Added to NMLS {#nmls_newLicenseTypes .reference}",
      "content": "ble in NMLS|\n|LA|Sale of Checks and Money Transmitters|No|Money Service Business|10/31/2013|Mandatory|12/31/2013|Available in NMLS|\n|IN-DFI|Money Transmitter License|No|Money Service Business|11/1/2013|Mandatory|4/24/2014|Available in NMLS|\n|KS|Money Transmitter License|No|Money Service Business|11/1/2013|Mandatory|8/15/2015|Available in NMLS|\n|UT-DFI|Deferred Deposit Lender Registration|No|Consumer Finance|11/1/2013|Mandatory|12/31/2013|Available in NMLS|\n|OR|Consumer Finance License|Yes|Consumer Finance|1/2/2014|Optional|N/A|Available in NMLS|\n|NE|Money Transmitter License|No|Money Service Business|4/14/2014|Mandatory|7/1/2014|Available in NMLS|\n|WV|Money Transmitter License|No|Money Service Business|7/1/2014|Mandatory|6/30/2015|Available in NMLS|\n|HI|Money Transmitter License|Yes|Money Service Business|7/1/2014|Mandatory|8/31/2014|Available in NMLS|\n|IN-DFI|Debt Management License|No|Debt|7/1/2014|Mandatory|10/31/2014|Available in NMLS|\n|MT|Consumer Loan License|Yes|Consumer Finance|7/1/2014|Mandatory|10/15/2014|Available in NMLS|\n|MT|Deferred Deposit Lender License|Yes|Consumer Finance|7/1/2014|Mandatory|10/15/2014|Available in NMLS|\n|MT|Escrow Business License|No|Consumer Finance|7/1/2014|Mandatory|10/15/2014|Available in NMLS|\n|MT|Sales Finance Company License|Yes|Consumer Finance|7/1/2014|Mandatory|10/15/2014|Available in NMLS|\n|PR|Money Transmitter License|No|Money Service Business|7/1/2014|Optional|N/A|Available in NMLS|\n|TX-OCCC|Property Tax Lender License|Yes|Consumer Finance|7/1/2014|Optional|N/A|Available in NMLS|\n|GA|Check Casher License|Yes|Money Service Business|9/2/2014|Mandatory|12/31/2014|Available in NMLS|\n|GA|Money Transmitter License|No|Money Service Business|9/2/2014|Mandatory|12/31/2014|Available in NMLS|\n|GA|Seller of Payment Instruments License|No|Money Service Business|9/2/2014|Mandatory|12/31/2014|Available in NMLS|\n|TX-DOB|Money Transmission License|No|Money Service Business|9/2/2014|Optional|N/A|Available in NMLS|\n|DC|Automated Teller M",
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    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/nmls_newLicenseTypes.md:chunk-5",
      "title": "License Types Added to NMLS {#nmls_newLicenseTypes .reference}",
      "content": "|No|Money Service Business|9/2/2014|Mandatory|12/31/2014|Available in NMLS|\n|TX-DOB|Money Transmission License|No|Money Service Business|9/2/2014|Optional|N/A|Available in NMLS|\n|DC|Automated Teller Machine Operator License|Yes|Consumer Finance|9/3/2014|Mandatory|12/31/2014|Available in NMLS|\n|DC|Check Casher License|Yes|Money Service Business|9/3/2014|Mandatory|12/31/2014|Available in NMLS|\n|DC|Money Lender License|Yes|Consumer Finance|9/3/2014|Mandatory|12/31/2014|Available in NMLS|\n|DC|Money Transmitter License|No|Money Service Business|9/3/2014|Mandatory|12/31/2014|Available in NMLS|\n|DC|Retail Seller and Consumer Sales Finance License|Yes|Consumer Finance|9/3/2014|Mandatory|12/31/2014|Available in NMLS|\n|ME|Money Transmitter License|No|Money Service Business|11/1/2014|Mandatory|12/31/2014|Available in NMLS|\n|PA|Debt Settlement \\(DN\\) License|Yes|Debt|11/1/2014|Mandatory|12/31/2014|Available in NMLS|\n|PA|Debt Settlement License|Yes|Debt|11/1/2014|Mandatory|12/31/2014|Available in NMLS|\n|TN|Flexible Credit License|Yes|Consumer Finance|1/2/2015|New License|N/A|Available in NMLS|\n|OR|Payday/Title Loan License|Yes|Consumer Finance|4/1/2015|Optional|N/A|Available in NMLS|\n|SD|Money Lender License|Yes|Consumer Finance|7/1/2015|Optional|N/A|Available in NMLS|\n|CT|Check Cashing License|Yes|Money Service Business|7/1/2015|Mandatory|9/30/2015|Available in NMLS|\n|CT|Consumer Collection Agency License|Yes|Debt|7/1/2015|Mandatory|9/30/2015|Available in NMLS|\n|CT|Debt Adjuster For-Profit License|Yes|Debt|7/1/2015|Mandatory|9/30/2015|Available in NMLS|\n|CT|Debt Adjuster Non-Profit License|Yes|Debt|7/1/2015|Mandatory|9/30/2015|Available in NMLS|\n|CT|Debt Negotiation License|Yes|Debt, Mortgage|7/1/2015|Mandatory|9/30/2015|Available in NMLS|\n|CT|Money Transmission License|No|Money Service Business|7/1/2015|Mandatory|9/30/2015|Available in NMLS|\n|CT|Sales Finance Company License|Yes|Consumer Finance|7/1/2015|Mandatory|9/30/2015|Available in NMLS|\n|CT|Small Loan Company License|Yes",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\nmls_newLicenseTypes.md",
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      "snippet": null
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    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/nmls_newLicenseTypes.md:chunk-6",
      "title": "License Types Added to NMLS {#nmls_newLicenseTypes .reference}",
      "content": "rvice Business|7/1/2015|Mandatory|9/30/2015|Available in NMLS|\n|CT|Sales Finance Company License|Yes|Consumer Finance|7/1/2015|Mandatory|9/30/2015|Available in NMLS|\n|CT|Small Loan Company License|Yes|Consumer Finance|7/1/2015|Mandatory|9/30/2015|Available in NMLS|\n|SD|Money Transmitter License|No|Money Service Business|7/1/2015|Optional|N/A|Available in NMLS|\n|UT-DFI|Escrow Agency Registration|No|Consumer Finance|9/1/2015|Mandatory|12/31/2015|Available in NMLS|\n|UT-DFI|Money Transmitter License|No|Money Service Business|9/1/2015|Mandatory|12/31/2015|Available in NMLS|\n|UT-DFI|Title Lender Registration|No|Consumer Finance|9/1/2015|Mandatory|12/31/2015|Available in NMLS|\n|WI|Loan Company License|Yes|Consumer Finance|9/1/2015|Optional|N/A|Available in NMLS|\n|WI|Payday Lender License|Yes|Consumer Finance|9/1/2015|Optional|N/A|Available in NMLS|\n|AR|Money Transmitter License|No|Money Service Business|10/1/2015|Optional|N/A|Available in NMLS|\n|IL|Money Transmitter License|No|Money Service Business|11/1/2015|Mandatory|12/1/2016|Available in NMLS|\n|CA-DBO|Money Transmitter License|No|Money Service Business|1/15/2016|Optional|N/A|Available in NMLS|\n|CT|Student Loan Servicer License|Yes|Consumer Finance|5/18/2016|New License|N/A|Available in NMLS|\n|KS|Supervised Loan License|Yes|Consumer Finance|7/1/2016|Mandatory|8/31/2016|Available in NMLS|\n|IL|Consumer Installment Loan License|Yes|Consumer Finance|7/1/2016|Optional|N/A|Available in NMLS|\n|IL|Payday Reform License|Yes|Consumer Finance|7/1/2016|Optional|N/A|Available in NMLS|\n|IL|Sales Finance Agency License|Yes|Consumer Finance|7/1/2016|Optional|N/A|Available in NMLS|\n|MN|Credit Services Organization License|No|Debt|7/1/2016|Mandatory|8/31/2016|Available in NMLS|\n|MN|Electronic Financial Terminal License|Yes|Consumer Finance|7/1/2016|Mandatory|8/31/2016|Available in NMLS|\n|VT|Litigation Funding Registration|No|Consumer Finance|7/1/2016|New License|N/A|Available in NMLS|\n|WI|Adjustment Service Company License|Yes|Debt|7/1/2",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\nmls_newLicenseTypes.md",
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      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/nmls_newLicenseTypes.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/nmls_newLicenseTypes.md:chunk-7",
      "title": "License Types Added to NMLS {#nmls_newLicenseTypes .reference}",
      "content": "/1/2016|Mandatory|8/31/2016|Available in NMLS|\n|VT|Litigation Funding Registration|No|Consumer Finance|7/1/2016|New License|N/A|Available in NMLS|\n|WI|Adjustment Service Company License|Yes|Debt|7/1/2016|Optional|N/A|Available in NMLS|\n|HI|Escrow Depository License|Yes|Consumer Finance|9/1/2016|Mandatory|9/30/2016|Available in NMLS|\n|MN|Accelerated Mortgage Payment Provider License|No|Debt|9/1/2016|Mandatory|10/31/2016|Available in NMLS|\n|MN|Currency Exchange License|Yes|Money Service Business|9/1/2016|Mandatory|10/15/2016|Available in NMLS|\n|NM|Check Casher License|No|Money Service Business|9/1/2016|New License|N/A|Available in NMLS|\n|NM|Currency Exchanger License|No|Money Service Business|9/1/2016|New License|N/A|Available in NMLS|\n|NM|Money Transmission License|No|Money Service Business|9/1/2016|New License|N/A|Available in NMLS|\n|MS|Debt Management Service Provider License|No|Debt|11/1/2016|Mandatory|12/31/2016|Available in NMLS|\n|MS|Motor Vehicle Sales Finance License|Yes|Consumer Finance|11/1/2016|Mandatory|12/31/2016|Available in NMLS|\n|NC|Money Transmitter License|No|Money Service Business|11/15/2016|Mandatory|12/31/2016|Available in NMLS|\n|AZ|Collection Agency License|Yes|Debt|1/1/2017|Mandatory|1/31/2017|Available in NMLS|\n|WY|Pawnbroker License|Yes|Consumer Finance|1/1/2017|Mandatory|2/17/2017|Available in NMLS|\n|WY|Post Dated Check Casher License|Yes|Consumer Finance|1/1/2017|Mandatory|2/17/2017|Available in NMLS|\n|WY|Sales Finance Company License|Yes|Consumer Finance|1/1/2017|Mandatory|2/17/2017|Available in NMLS|\n|WY|Supervised Lender License|Yes|Consumer Finance, Mortgage|1/1/2017|Mandatory|2/17/2017|Available in NMLS|\n|OR|Debt Management Service Provider Registration|No|Debt|4/15/2017|Mandatory|9/30/2017|Available in NMLS|\n|OR|Money Transmitter License|No|Money Service Business|4/15/2017|Mandatory|9/30/2017|Available in NMLS|\n|OR|Collection Agency Registration|Yes|Debt|4/15/2017|Mandatory|9/30/2017|Available in NMLS|\n|AZ|Consumer Lender License|Yes|C",
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    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/nmls_newLicenseTypes.md:chunk-8",
      "title": "License Types Added to NMLS {#nmls_newLicenseTypes .reference}",
      "content": "o|Money Service Business|4/15/2017|Mandatory|9/30/2017|Available in NMLS|\n|OR|Collection Agency Registration|Yes|Debt|4/15/2017|Mandatory|9/30/2017|Available in NMLS|\n|AZ|Consumer Lender License|Yes|Consumer Finance|5/1/2017|Optional|N/A|Available in NMLS|\n|AZ|Debt Management License|Yes|Debt|5/1/2017|Optional|N/A|Available in NMLS|\n|AZ|Money Transmitter License|Yes|Money Service Business|5/1/2017|Optional|N/A|Available in NMLS|\n|MS|Money Transmitter License|No|Money Service Business|5/1/2017|Mandatory|7/1/2017|Available in NMLS|\n|VT|Loan Solicitation License|Yes|Consumer Finance, Mortgage|5/22/2017|New License|N/A|Available in NMLS|\n|MN|Insurance Premium Finance Company License|No|Consumer Finance|6/1/2017|Mandatory|7/1/2017|Available in NMLS|\n|MN|Motor Vehicle Sales Finance Company License|Yes|Consumer Finance|6/1/2017|Mandatory|7/1/2017|Available in NMLS|\n|AZ|Advance Fee Loan Broker License|No|Consumer Finance|7/1/2017|Optional|N/A|Available in NMLS|\n|AZ|Escrow Agent License|Yes|Consumer Finance, Mortgage|7/1/2017|Optional|N/A|Available in NMLS|\n|AZ|Premium Finance License|Yes|Consumer Finance|7/1/2017|Optional|N/A|Available in NMLS|\n|AZ|Sales Finance License|Yes|Consumer Finance, Debt|7/1/2017|Optional|N/A|Available in NMLS|\n|NY|Money Transmitter License|No|Money Service Business|7/1/2017|Optional|N/A|Available in NMLS|\n|MD|Check Cashing Services License|Yes|Money Service Business|8/1/2017|Mandatory|9/30/2017|Available in NMLS|\n|MD|Collection Agency License|Yes|Debt|8/1/2017|Mandatory|9/30/2017|Available in NMLS|\n|MD|Consumer Loan License|Yes|Consumer Finance|8/1/2017|Mandatory|9/30/2017|Available in NMLS|\n|MD|Credit Services Business License|Yes|Consumer Finance|8/1/2017|Mandatory|9/30/2017|Available in NMLS|\n|MD|Debt Management Services License|Yes|Consumer Finance|8/1/2017|Mandatory|9/30/2017|Available in NMLS|\n|MD|Installment Loan License|Yes|Consumer Finance|8/1/2017|Mandatory|9/30/2017|Available in NMLS|\n|MD|Sales Finance License|Yes|Consumer Finance|8/1/2",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\nmls_newLicenseTypes.md",
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    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/nmls_newLicenseTypes.md:chunk-9",
      "title": "License Types Added to NMLS {#nmls_newLicenseTypes .reference}",
      "content": "e|8/1/2017|Mandatory|9/30/2017|Available in NMLS|\n|MD|Installment Loan License|Yes|Consumer Finance|8/1/2017|Mandatory|9/30/2017|Available in NMLS|\n|MD|Sales Finance License|Yes|Consumer Finance|8/1/2017|Mandatory|9/30/2017|Available in NMLS|\n|TN|Title Pledge Lender License|Yes|Consumer Finance|8/1/2017|Mandatory|9/29/2017|Available in NMLS|\n|DC|Student Loan Servicer License|Yes|Consumer Finance|8/10/2017|New License|N/A|Available in NMLS|\n|LA|Check Casher License|Yes|Money Service Business|9/1/2017|Mandatory|6/30/2018|Available in NMLS|\n|MN|Debt Management Services Provider Company License|Yes|Consumer Finance|10/1/2017|Mandatory|12/31/2017|Available in NMLS|\n|MN|Debt Settlement Services Provider Company License|Yes|Consumer Finance|10/1/2017|Mandatory|12/31/2017|Available in NMLS|\n|MN|Industrial Loan and Thrift Company License - Non Depository|Yes|Consumer Finance|10/1/2017|Mandatory|12/31/2017|Available in NMLS|\n|MN|Regulated Loan Company License|Yes|Consumer Finance, Mortgage|10/1/2017|Mandatory|12/31/2017|Available in NMLS|\n|MN|Consumer Small Loan Lender License|Yes|Consumer Finance|10/1/2017|Mandatory|12/31/2017|Available in NMLS|\n|MN|Industrial Loan and Thrift Company License - Depository|Yes|Consumer Finance|10/1/2017|Mandatory|12/31/2017|Available in NMLS|\n|NY|Licensed Lender License|Yes|Consumer Finance|11/1/2017|Optional|N/A|Available in NMLS|\n|NY|Sales Finance Company License|Yes|Consumer Finance|11/1/2017|Optional|N/A|Available in NMLS|\n|OR|Debt Buyer License|No|Debt|11/1/2017|New License|N/A|Available in NMLS|\n|CA-DBO|Student Loan Servicer License|Yes|Consumer Finance|1/1/2018|New License|N/A|Available in NMLS|\n|OH|Consumer Installment Loan Act License|Yes|Consumer Finance|1/1/2018|New License|N/A|Available in NMLS|\n|OH|Money Transmitter License|No|Money Service Business|1/1/2018|Optional|N/A|Available in NMLS|\n|AK|Currency Exchange License|No|Money Service Business|2/1/2018|Mandatory|4/1/2018|Available in NMLS|\n|AK|Money Transmitter License|No|Money S",
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    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/nmls_newLicenseTypes.md:chunk-10",
      "title": "License Types Added to NMLS {#nmls_newLicenseTypes .reference}",
      "content": "ervice Business|1/1/2018|Optional|N/A|Available in NMLS|\n|AK|Currency Exchange License|No|Money Service Business|2/1/2018|Mandatory|4/1/2018|Available in NMLS|\n|AK|Money Transmitter License|No|Money Service Business|2/1/2018|Mandatory|4/1/2018|Available in NMLS|\n|NY|Budget Planners|Yes|Debt|5/1/2018|Optional|N/A|Available in NMLS|\n|NY|Premium Finance Agency|Yes|Consumer Finance|5/1/2018|Optional|N/A|Available in NMLS|\n|SC-AG|Currency Exchange|No|Money Service Business|5/11/2018|New License|N/A|Available in NMLS|\n|SC-AG|Money Transmitter License|No|Money Service Business|5/11/2018|New License|N/A|Available in NMLS|\n|MN|Residential PACE Administrator License|Yes|Consumer Finance|8/1/2018|New License|N/A|Available in NMLS|\n|WY|Collection Agencies|Yes|Debt|8/1/2018|Mandatory|9/30/2018|Available in NMLS|\n|CA-DBO|Property Assessed Clean Energy \\(PACE\\)|Yes|Consumer Finance|9/1/2018|New License|N/A|Available in NMLS|\n|IL|Pawnbroker License|Yes|Consumer Finance|9/1/2018|Mandatory|12/1/2018|Available in NMLS|\n|TN|Check Cashers|Yes|Money Service Business|9/1/2018|Mandatory|12/31/2018|Available in NMLS|\n|TN|Industrial Loan & Thrift Companies|Yes|Consumer Finance|9/1/2018|Mandatory|12/31/2018|Available in NMLS|\n|NY|Check Cashers|Yes|Money Service Business|10/1/2018|Optional|N/A|Available in NMLS|\n|NY|Commercial Check Casher License|Yes|Money Service Business|10/1/2018|Optional|N/A|Available in NMLS|\n|NY|Virtual Currency Businesses|No|Money Service Business|10/1/2018|Optional|N/A|Available in NMLS|\n|IL|Student Loan Servicer|No|Consumer Finance|12/15/2018|New License|N/A|Available in NMLS|\n|AL-SC|Money Transmitter|No|Money Service Business|2/1/2019|Optional|N/A|Available in NMLS|\n|IL|Debt Management License|Yes|Debt|2/1/2019|Mandatory|3/31/2019|Available in NMLS|\n|IL|Debt Settlement License|Yes|Debt|2/1/2019|Mandatory|3/31/2019|Available in NMLS|\n|MO|Sale of Checks & Money Transmitter License|No|Money Service Business|3/1/2019|Mandatory|4/30/2019|Available in NMLS|\n|OH|Short-Term",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\nmls_newLicenseTypes.md",
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    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/nmls_newLicenseTypes.md:chunk-11",
      "title": "License Types Added to NMLS {#nmls_newLicenseTypes .reference}",
      "content": "License|Yes|Debt|2/1/2019|Mandatory|3/31/2019|Available in NMLS|\n|MO|Sale of Checks & Money Transmitter License|No|Money Service Business|3/1/2019|Mandatory|4/30/2019|Available in NMLS|\n|OH|Short-Term Lender License|Yes|Consumer Finance|3/15/2019|New License|N/A|Available in NMLS|\n|OH|Short-Term Nonprofit Lender License|Yes|Consumer Finance|3/15/2019|New License|N/A|Available in NMLS|\n|MS|Title Pledge|Yes|Consumer Finance|5/1/2019|Mandatory|6/30/2019|Available in NMLS|\n|MS|Small Loan|Yes|Consumer Finance|6/1/2019|Mandatory|12/31/2019|Available in NMLS|\n|VA|Money Order Seller and Money Transmitter License|No|Money Service Business|7/15/2019|Mandatory|9/1/2019|Available in NMLS|\n|MD|Debt Settlement Services Registration|No|Debt|8/1/2019|Mandatory|9/30/2019|Available in NMLS|\n|MI|Regulatory Loan License|No|Consumer Finance|8/1/2019|Mandatory|12/31/2019|Available in NMLS|\n|NY|Student Loan Servicer|No|Consumer Finance|8/1/2019|New License|N/A|Available in NMLS|\n|PR|Debt Management License|Yes|Debt|8/1/2019|Optional|N/A|Available in NMLS|\n|PR|Sales Finance License|Yes|Consumer Finance|8/1/2019|Optional|N/A|Available in NMLS|\n|AR|Currency Exchange License|No|Money Service Business|9/1/2019|Optional|N/A|Available in NMLS|\n|KY|Check Cashing License|Yes|Money Service Business|9/1/2019|Mandatory|12/31/2019|Available in NMLS|\n|KY|Deferred Deposit Companies|Yes|Consumer Finance|9/1/2019|Mandatory|12/31/2019|Available in NMLS|\n|RI|Student Loan Servicers|No|Consumer Finance|9/1/2019|New License|N/A|Available in NMLS|\n|TN|Premium Finance Companies|No|Consumer Finance|9/1/2019|Mandatory|9/30/2019|Available in NMLS|\n|ME|Student Loan Servicer License|Yes|Consumer Finance|10/1/2019|New License|N/A|Available in NMLS|\n|MS|Consumer Loan Broker Company License|No|Consumer Finance|11/1/2019|Mandatory|12/31/2019|Available in NMLS|\n|MS|Insurance Premium Finance Company License|No|Consumer Finance|11/1/2019|Mandatory|12/31/2019|Available in NMLS|\n|MS|Pawnbroker License|Yes|Consumer Finance|11/",
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      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/nmls_newLicenseTypes.html",
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      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/nmls_newLicenseTypes.md:chunk-12",
      "title": "License Types Added to NMLS {#nmls_newLicenseTypes .reference}",
      "content": "datory|12/31/2019|Available in NMLS|\n|MS|Insurance Premium Finance Company License|No|Consumer Finance|11/1/2019|Mandatory|12/31/2019|Available in NMLS|\n|MS|Pawnbroker License|Yes|Consumer Finance|11/1/2019|Mandatory|12/31/2019|Available in NMLS|\n|MS|Credit Availability License|Yes|Consumer Finance|11/1/2019|Mandatory|12/31/2019|Available in NMLS|\n|MS|Credit Availability Registration|No|Consumer Finance|11/1/2019|Mandatory|12/31/2019|Available in NMLS|\n|MS|Check Cashing License|Yes|Money Service Business|11/1/2019|Mandatory|12/31/2019|Available in NMLS|\n|MS|Check Cashing Registration|No|Money Service Business|11/1/2019|Mandatory|12/31/2019|Available in NMLS|\n|RI|Currency Transmitter License|Yes|Money Service Business|11/1/2019|Mandatory|12/31/2019|Available in NMLS|\n|NM|Motor Vehicle Sales Finance In State|Yes|Consumer Finance|11/1/2019|Mandatory|12/31/2019|Available in NMLS|\n|NM|Motor Vehicle Sales Finance Out of State|Yes|Consumer Finance|11/1/2019|Mandatory|12/31/2019|Available in NMLS|\n|VT|Combination License|Yes|Consumer Finance|11/30/2019|Optional|N/A|Available in NMLS|\n|KY|Consumer Loan License|Yes|Consumer Finance|1/1/2020|Mandatory|3/1/2020|Available in NMLS|\n|OK-DOCC|Small Dollar Lender License|Yes|Consumer Finance|1/1/2020|Optional|N/A|Available in NMLS|\n|SC-BFI|Supervised Lender License|Yes|Consumer Finance|2/1/2020|Mandatory|5/1/2020|Available in NMLS|\n|SC-BFI|Supervised Lender-Website License \\#1-6|No|Consumer Finance|2/1/2020|Mandatory|5/1/2020|Available in NMLS|\n|SC-BFI|Deferred Presentment License|Yes|Consumer Finance|2/1/2020|Mandatory|5/1/2020|Available in NMLS|\n|SC-BFI|Level 1 Check Cashing License|Yes|Money Service Business|2/1/2020|Mandatory|5/1/2020|Available in NMLS|\n|SC-BFI|Level 2 Check Cashing License|Yes|Money Service Business|2/1/2020|Mandatory|5/1/2020|Available in NMLS|\n|DE|Sale of Checks and Money Transmission License|No|Money Service Business|4/15/2020|Mandatory|6/15/2020|Available in NMLS|\n|OH|Credit Services Organization License|Ye",
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      "headings": [
        "License Types Added to NMLS {#nmls_newLicenseTypes .reference}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/nmls_newLicenseTypes.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/nmls_newLicenseTypes.md:chunk-13",
      "title": "License Types Added to NMLS {#nmls_newLicenseTypes .reference}",
      "content": "ory|5/1/2020|Available in NMLS|\n|DE|Sale of Checks and Money Transmission License|No|Money Service Business|4/15/2020|Mandatory|6/15/2020|Available in NMLS|\n|OH|Credit Services Organization License|Yes|Debt|4/23/2020|Mandatory|12/31/2020|Available in NMLS|\n|VT|Sales Finance License OTN 7 & 8|Yes|Consumer Finance|4/30/2020|New License|N/A|Available in NMLS|\n|VT|Lender License OTN 7 & 8|Yes|Mortgage|4/30/2020|New License|N/A|Available in NMLS|\n|AK|Payday Lender \\(Deferred Deposit Advance\\) License|No|Consumer Finance|5/1/2020|Mandatory|7/1/2020|Available in NMLS|\n|AK|Payday Lender \\(Deferred Deposit Advance\\) Website License \\#1-6|No|Consumer Finance|5/1/2020|Mandatory|7/1/2020|Available in NMLS|\n|AK|Payday Lender \\(Deferred Deposit Advance\\) Mobile App License \\#1-3|No|Consumer Finance|5/1/2020|Mandatory|7/1/2020|Available in NMLS|\n|OH|Check Cashers License|Yes|Money Service Business|6/1/2020|Mandatory|8/31/2020|Available in NMLS|\n|OH|Insurance Premium Finance License|Yes|Consumer Finance|6/1/2020|Mandatory|8/31/2020|Available in NMLS|\n|OH|Small Loan License|Yes|Consumer Finance|6/1/2020|Mandatory|8/31/2020|Available in NMLS|\n|OH|Precious Metal Dealers|Yes|Consumer Finance|6/1/2020|Mandatory|8/31/2020|Available in NMLS|\n|AK|Mortgage Non Profit Exemption|Yes|Mortgage|6/1/2020|Mandatory|N/A|Available in NMLS|\n|NY|Reverse Mortgage Lender Authority|No|Mortgage|6/5/2020|Optional|N/A|Available in NMLS|\n|NY|Reverse Mortgage \\(HECM\\) Lending|No|Mortgage|6/5/2020|Optional|N/A|Available in NMLS|\n|KS|Credit Services Organization License|No|Debt|7/1/2020|Mandatory|12/31/2020|Available in NMLS|\n|SD|Mortgage Branch Registration|N/A|Mortgage|7/1/2020|Mandatory|N/A|Available in NMLS|\n|WV|Fintech Sandbox|No|Mortgage, Money Service Business|7/1/2020|New License|N/A|Available in NMLS|\n|DC|Appraisal Management Company License|No|Mortgage|8/1/2020|Mandatory|12/31/2020|Available in NMLS|\n|AK|Deferred Deposit Branch|N/A|Consumer Finance|8/1/2020|Mandatory|8/1/2021|Available in NMLS|\n|GA|In",
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      "headings": [
        "License Types Added to NMLS {#nmls_newLicenseTypes .reference}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/nmls_newLicenseTypes.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/nmls_newLicenseTypes.md:chunk-14",
      "title": "License Types Added to NMLS {#nmls_newLicenseTypes .reference}",
      "content": "Appraisal Management Company License|No|Mortgage|8/1/2020|Mandatory|12/31/2020|Available in NMLS|\n|AK|Deferred Deposit Branch|N/A|Consumer Finance|8/1/2020|Mandatory|8/1/2021|Available in NMLS|\n|GA|Installment Loan License|Yes|Consumer Finance|9/1/2020|Mandatory|10/15/2020|Available in NMLS|\n|NJ|Student Loan Servicer License|Yes|Consumer Finance|9/15/2020|New License|N/A|Available in NMLS|\n|NJ|New Jersey Federal Contract Student Loan Servicer License|Yes|Consumer Finance|9/15/2020|New License|N/A|Available in NMLS|\n|CO|Money Transmitter License|No|Money Service Business|10/1/2020|Mandatory|12/31/2020|Available in NMLS|\n|MD|Check Casher Registration|No|Money Service Business|11/1/2020|New License|N/A|Available in NMLS|\n|MD|Consumer Reporting Agency Registration|No|Consumer Finance|11/1/2020|Mandatory|12/31/2020|Available in NMLS|\n|NM|Collection Agency License|Yes|Debt|11/1/2020|Mandatory|11/30/2020|Available in NMLS|\n|NM|Collection Agency Manager License|N/A|Debt|11/1/2020|Mandatory|11/30/2020|Available in NMLS|\n|NM|Repossessor License|No|Debt|11/1/2020|Mandatory|11/30/2020|Available in NMLS|\n|NE|Delayed Deposit Services License|Yes|Consumer Finance|1/1/2021|Mandatory|5/1/2021|Available in NMLS|\n|VA|Student Loan Servicers License|No|Consumer Finance|3/1/2021|New License|N/A|Available in NMLS|\n|MA|Student Loan Servicer License|Yes|Consumer Finance|6/1/2021|New License|N/A|Available in NMLS|\n|MA|Automatic Federal Student Loan Servicer License|No|Consumer Finance|6/1/2021|New License|N/A|Available in NMLS|\n|VA|Qualified Education Loan Servicer-Federal Contractor|No|Consumer Finance|6/1/2021|New License|N/A|Available in NMLS|\n|CT|Federal Student Loan Servicer Registrant|No|Consumer Finance|7/21/2021|New License|N/A|Available in NMLS|\n|MN|Student Loan Servicer License|Yes|Consumer Finance|8/1/2021|New License|N/A|Available in NMLS|\n|MN|Student Loan Servicer License OTN \\#1-3|No|Consumer Finance|8/1/2021|New License|N/A|Available in NMLS|\n|MN|Student Loan Servicer-Federal ",
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      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\nmls_newLicenseTypes.md",
      "headings": [
        "License Types Added to NMLS {#nmls_newLicenseTypes .reference}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/nmls_newLicenseTypes.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/nmls_newLicenseTypes.md:chunk-15",
      "title": "License Types Added to NMLS {#nmls_newLicenseTypes .reference}",
      "content": "sumer Finance|8/1/2021|New License|N/A|Available in NMLS|\n|MN|Student Loan Servicer License OTN \\#1-3|No|Consumer Finance|8/1/2021|New License|N/A|Available in NMLS|\n|MN|Student Loan Servicer-Federal Contract|No|Consumer Finance|8/1/2021|New License|N/A|Available in NMLS|\n|CA-DFPI|Collection Agency License|Yes|Debt|9/1/2021|New License|N/A|Available in NMLS|\n|NE-SOS|Collection Agency License|Yes|Debt|9/1/2021|Mandatory|12/31/2021|Available in NMLS|\n|MD|MSB Kiosk License \\(Branch\\)|Yes|Money Service Business|10/1/2021|New License|N/A|Available in NMLS|\n|VT|MSB Kiosk License \\(Branch\\)|Yes|Money Service Business|1/1/2022|New License|N/A|Available in NMLS|\n|HI|Small Dollar Installment Loans|No|Consumer Finance|1/1/2022|New License|N/A|Available in NMLS|\n|NV-FID|Money Transmitter License|Yes|Money Service Business|1/1/2022|Mandatory|4/1/2022|Available in NMLS|\n|NV-FID|Collection Agency License|Yes|Debt|4/1/2022|Mandatory|6/1/2022|Available in NMLS|\n|NV-FID|Collection Agency Manager License|No|Debt|4/1/2022|Mandatory|6/1/2022|Available in NMLS|\n|NV-FID|Foreign Collection Agency Certificate of Registration|Yes|Debt|4/1/2022|Mandatory|6/1/2022|Available in NMLS|\n|MD|Exempt Collection Agency Registrants|No|Debt|4/1/2022|Mandatory|6/30/2022|Available in NMLS|\n|OR|Student Loan Servicer License|Yes|Consumer Finance|6/1/2022|New License|N/A|Available in NMLS|\n|OR|Student Loan Servicer License - Federal Contract|No|Consumer Finance|6/1/2022|New License|N/A|Available in NMLS|\n|IL|Consumer Legal Funding|No|Consumer Finance|7/1/2022|Mandatory|7/1/2022|Available in NMLS|\n|KY|Federal Student Loan Servicer License|No|Consumer Finance|8/1/2022|Mandatory|N/A|Available in NMLS|\n|NV-FID|Installment Loan Company Exempt Registration|No|Consumer Finance|8/1/2022|Mandatory|N/A|Available in NMLS|\n|NV-FID|Collection Agency -Exempt Registration|No|Debt|8/1/2022|Mandatory|N/A|Available in NMLS|\n|UT-DFI|Commercial Financing Registration|No|Consumer Finance|9/1/2022|Mandatory|N/A|Available in NMLS|",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\nmls_newLicenseTypes.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\nmls_newLicenseTypes.md",
      "headings": [
        "License Types Added to NMLS {#nmls_newLicenseTypes .reference}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/nmls_newLicenseTypes.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/nmls_newLicenseTypes.md:chunk-16",
      "title": "License Types Added to NMLS {#nmls_newLicenseTypes .reference}",
      "content": "|NV-FID|Collection Agency -Exempt Registration|No|Debt|8/1/2022|Mandatory|N/A|Available in NMLS|\n|UT-DFI|Commercial Financing Registration|No|Consumer Finance|9/1/2022|Mandatory|N/A|Available in NMLS|\n|AZ|Mortgage Broker Responsible Individual - Certificate of Exemption|No|Mortgage|9/24/2022|Mandatory|N/A|Available in NMLS|\n|LA|Virtual Currency License|No|Money Service Business|1/1/2023|Mandatory|N/A|Available in NMLS|\n|LA|Virtual Currency Limited Activity Registration|No|Money Service Business|1/1/2023|Mandatory|N/A|Available in NMLS|\n|NV-FID|Consumer Litigation Funders|No|Consumer Finance|2/1/2023|Mandatory|3/31/2023|Available in NMLS|\n|NV-FID|Debt Settlement Management Company|No|Debt|2/1/2023|Mandatory|3/31/2023|Available in NMLS|\n|NV-FID|Deferred Deposit Loans, High-Interest Loans, Title Loans and Check Cashing Services Licensees|No|Consumer Finance, Money Service Business|3/1/2023|Mandatory|6/30/2023|Available in NMLS|\n|WI|Sales Finance Companies|No|Consumer Finance|8/1/2023|Mandatory|12/31/2023|Available in NMLS|\n|KY|Student Loan Servicer License|Yes|Consumer Finance|8/1/2023|Mandatory|N/A|Available in NMLS|\n|ND|Residential Mortgage Lender|Yes|Mortgage|8/1/2023|Mandatory|12/31/2023|Available in NMLS|\n|ND|Residential Mortgage Loan Servicer|Yes|Mortgage, Debt|8/1/2023|Mandatory|12/31/2023|Available in NMLS|\n|MD|Student Financing Company|No|Consumer Finance, Debt|10/1/2023|New License|N/A|Available in NMLS|\n|ME|Debt Collector|Yes|Debt|10/1/2023|Mandatory|12/31/2023|Available in NMLS|\n|CT|Private Education Lender Registration|No|Consumer Finance|10/1/2023|New License|N/A|Available in NMLS|\n|ME|Restriced Service Payroll Processor License|No|Consumer Finance|12/1/2023|Mandatory|1/31/2024|Available in NMLS|\n|ME|Full or Limited Service Payroll Processor License|No|Consumer Finance, MSB|12/1/2023|Mandatory|1/31/2024|Available in NMLS|\n|NV-FID|Student Loan Servicer License|No|Consumer Finance|12/1/2023|New License|N/A|Available in NMLS|\n|LA|Private Education Lender|No|",
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      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\nmls_newLicenseTypes.md",
      "headings": [
        "License Types Added to NMLS {#nmls_newLicenseTypes .reference}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/nmls_newLicenseTypes.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/nmls_newLicenseTypes.md:chunk-17",
      "title": "License Types Added to NMLS {#nmls_newLicenseTypes .reference}",
      "content": "er Finance, MSB|12/1/2023|Mandatory|1/31/2024|Available in NMLS|\n|NV-FID|Student Loan Servicer License|No|Consumer Finance|12/1/2023|New License|N/A|Available in NMLS|\n|LA|Private Education Lender|No|Consumer Finance|1/1/2024|New License|N/A|Available in NMLS|\n|NV-FID|Earned Wage Access Provider License|No|Consumer Finance|1/31/2024|Mandatory|4/1/2024|Available in NMLS|\n|CT|Private Education Loan Creditor Registration|No|Consumer Finance|3/1/2024|New License|N/A|Available in NMLS|\n|CT|Private Education Loan Creditor Registration|No|Consumer Finance|7/1/2024|Mandatory|N/A|Available in NMLS|\n|WI|Earned Wage Access Services Provider License|No|Consumer Finance|7/1/2024|Mandatory|9/1/2024|Available in NMLS|\n|CT|Commercial Financing Broker Registration|No|Consumer Finance|7/1/2024|Mandatory|10/1/2024|Available in NMLS|\n|CT|Commercial Financing Provider Registration|No|Consumer Finance|7/1/2024|Mandatory|10/1/2024|Available in NMLS|\n|UT-DFI|Consumer Credit Notification|No|Consumer Finance|8/26/2024|Mandatory|12/31/2024|Available in NMLS|\n|WI|Money Transmitter License|No|Money Service Business|9/3/2024|Mandatory|1/1/2025|Available in NMLS|\n|VT|Mortgage Broker License - Other Trade Name \\#7|No|Mortgage|10/1/2024|Mandatory|N/A|Available in NMLS|\n|KS|Earned Wage Access Services Provider License|No|Consumer Finance|10/21/2024|Mandatory|N/A|Available in NMLS|\n|ME|Consumer Reporting Agency Registration|No|Consumer Finance|11/1/2024|Mandatory|2/28/2024|Available in NMLS|\n|ME|Debt Management Service Provider Registration|Yes|Money Service, Debt|11/1/2024|Mandatory|2/28/2024|Available in NMLS|\n|CA-DFPI|CCFPL Registration-Student Debt Relief|No|Debt|11/1/2024|Mandatory|N/A|Available in NMLS|\n|CA-DFPI|CCFPL Registration-Education Financing|No|Consumer Finance|11/1/2024|Mandatory|N/A|Available in NMLS|\n|CA-DFPI|CCFPL Registration-Income-Based Advances|No|Consumer Finance|11/1/2024|Mandatory|N/A|Available in NMLS|\n|CA-DFPI|CCFPL Registration-Debt Settlement Services|No|Debt|11/1/2024|M",
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      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\nmls_newLicenseTypes.md",
      "headings": [
        "License Types Added to NMLS {#nmls_newLicenseTypes .reference}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/nmls_newLicenseTypes.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/nmls_newLicenseTypes.md:chunk-18",
      "title": "License Types Added to NMLS {#nmls_newLicenseTypes .reference}",
      "content": "lable in NMLS|\n|CA-DFPI|CCFPL Registration-Income-Based Advances|No|Consumer Finance|11/1/2024|Mandatory|N/A|Available in NMLS|\n|CA-DFPI|CCFPL Registration-Debt Settlement Services|No|Debt|11/1/2024|Mandatory|N/A|Available in NMLS|\n|MN|Student Lender Registration|No|Consumer Finance|11/20/2024|Mandatory|N/A|Available in NMLS|\n|WI|Insurance Premium Finance Company|No|Consumer Finance|1/1/2025|Mandatory|3/31/2025|Available in NMLS|\n|WI|Collection Agency License|Yes|Debt|1/1/2025|Mandatory|5/31/2025|Available in NMLS|\n|WI|Currency Exchange License|No|Money Services|1/1/2025|Mandatory|9/30/2025|Available in NMLS|\n|WI|Currency Exchange Registration \\(Main Office-No Activity\\)|Yes|Money Services|1/1/2025|Mandatory|9/30/2025|Available in NMLS|\n\n**Parent topic:**NMLS Reference Guide: About NMLS",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\nmls_newLicenseTypes.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\nmls_newLicenseTypes.md",
      "headings": [
        "License Types Added to NMLS {#nmls_newLicenseTypes .reference}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/nmls_newLicenseTypes.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/nmls_uniqueID.md:chunk-0",
      "title": "NMLS Unique Identifier {#nmls_uniqueID .concept}",
      "content": "# NMLS Unique Identifier \n\nThe NMLS Unique Identifier is the number permanently assigned by the Nationwide Multistate Licensing System​​ \\(NMLS\\) for each company, branch, and individual that maintains a single account on NMLS.\n\nThe NMLS Unique Identifier \\(“NMLS ID”\\) improves supervision and transparency in the residential mortgage markets by providing regulators, the industry and the public with a tool that tracks companies and individuals across state lines and over time.\n\nThe states, through CSBS and the American Association of Residential Mortgage Regulators \\(AARMR\\), developed and launched NMLS to enhance supervision of the residential mortgage market. The unique identifier granted to residential mortgage loan originators and companies through NMLS allows regulators to track mortgage providers across state lines to ensure a provider will not escape regulatory action in one state, simply by crossing into another state. The unique identifier also allows consumers and the industry to easily track specific originators’ histories and qualifications through NMLS Consumer Access.\n\nFor more on how the NMLS ID is being used, see Required Uses of NMLS ID.\n\n## NMLS Unique Identification Number Specifications \n\nNMLS assigns a unique identifier \\(NMLS ID\\) to each entity that has a record in the system. An NMLS ID is assigned to each company \\(Form MU1\\), branch \\(Form MU3\\), and natural person \\(Form MU2 or Form MU4\\) when the entity first creates its record in NMLS. Once assigned, an entity’s NMLS ID cannot be changed.\n\nFor more information on the characteristics of the NMLS ID, see NMLS Unique Identification Number Specifications.\n\n## Frequently Asked Questions \n\nWhen is a NMLS Unique Identifier Valid?\n:   When a company or individual creates an account in NMLS, a unique identifier is automatically assigned and reserved for use by the applicant. However, the NMLS unique identifier is not valid until a state license \\(or the denial of a state license\\) or federal regis",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\nmls_uniqueID.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\nmls_uniqueID.md",
      "headings": [
        "NMLS Unique Identifier {#nmls_uniqueID .concept}",
        "NMLS Unique Identification Number Specifications {#section_rbt_35n_3fc .section}",
        "Frequently Asked Questions {#section_tbt_35n_3fc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/nmls_uniqueID.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/nmls_uniqueID.md:chunk-1",
      "title": "NMLS Unique Identifier {#nmls_uniqueID .concept}",
      "content": "identifier is automatically assigned and reserved for use by the applicant. However, the NMLS unique identifier is not valid until a state license \\(or the denial of a state license\\) or federal registration has been issued.\n\nHow do I verify a NMLS Unique Identifier?\n:   The NMLS Unique Identifier can be verified for a state-licensed company, branch or individual by searching NMLS Consumer Access. If a company, branch or individual purporting to be state-licensed does not appear on NMLS Consumer Access, then they do not have a valid NMLS Unique Identifier.\n\n    Financial institutions that are Federally-insured or chartered, their subsidiaries, and their mortgage loan originators are expected to appear in NMLS Consumer Access shortly after the end of the Federal registration NMLS Federal Registry Resource Center transition period \\(July 29, 2011\\).\n\n    **Note:** Not all state agencies have finished processing transition requests, thus certain active licensees may not appear in NMLS Consumer Access. See NMLS Consumer Access Participation for details.\n\nDo federal registrants have a unique identifier?\n:   Yes, each registered mortgage loan originator is assigned a unique identifier. The deadline for all federal registrants to have completed the registration process is July 29, 2011. After that date, all federal loan originator registrants will be required to hold a valid unique identifier and will be identified as such in NMLS Consumer Access.\n\n-   **NMLS Unique Identification Number Specifications**  \nA unique identifier \\(NMLS Unique ID\\) is assigned by NMLS to each entity that has a record in the system.\n-   **Required Use of NMLS ID**  \nThe SAFE Act mandated the establishment of a unique identifier, and the majority of state mortgage licensing laws require mortgage loan originators to include their unique identifier on various documents, including business cards.\n-   **NMLS Consumer Access Participation**  \nAll state-licensed and registered mortgage companies, bran",
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      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\nmls_uniqueID.md",
      "headings": [
        "NMLS Unique Identifier {#nmls_uniqueID .concept}",
        "NMLS Unique Identification Number Specifications {#section_rbt_35n_3fc .section}",
        "Frequently Asked Questions {#section_tbt_35n_3fc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/nmls_uniqueID.html",
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      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/nmls_uniqueID.md:chunk-2",
      "title": "NMLS Unique Identifier {#nmls_uniqueID .concept}",
      "content": "n originators to include their unique identifier on various documents, including business cards.\n-   **NMLS Consumer Access Participation**  \nAll state-licensed and registered mortgage companies, branches and MLOs for the following state agencies can be found on NMLS Consumer Access \\(unless otherwise noted\\).\n\n**Parent topic:**Chapter I—Getting Started on the System",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\nmls_uniqueID.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\nmls_uniqueID.md",
      "headings": [
        "NMLS Unique Identifier {#nmls_uniqueID .concept}",
        "NMLS Unique Identification Number Specifications {#section_rbt_35n_3fc .section}",
        "Frequently Asked Questions {#section_tbt_35n_3fc .section}"
      ],
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    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/nmls_uniqueID_2.md:chunk-0",
      "title": "NMLS Unique Identifier {#nmls_uniqueID .concept}",
      "content": "# NMLS Unique Identifier \n\nThe NMLS Unique Identifier is the number permanently assigned by the Nationwide Multistate Licensing System​​ \\(NMLS\\) for each company, branch, and individual that maintains a single account on NMLS.\n\nThe NMLS Unique Identifier \\(“NMLS ID”\\) improves supervision and transparency in the residential mortgage markets by providing regulators, the industry and the public with a tool that tracks companies and individuals across state lines and over time.\n\nThe states, through CSBS and the American Association of Residential Mortgage Regulators \\(AARMR\\), developed and launched NMLS to enhance supervision of the residential mortgage market. The unique identifier granted to residential mortgage loan originators and companies through NMLS allows regulators to track mortgage providers across state lines to ensure a provider will not escape regulatory action in one state, simply by crossing into another state. The unique identifier also allows consumers and the industry to easily track specific originators’ histories and qualifications through NMLS Consumer Access.\n\nFor more on how the NMLS ID is being used, see Required Uses of NMLS ID.\n\n## NMLS Unique Identification Number Specifications \n\nNMLS assigns a unique identifier \\(NMLS ID\\) to each entity that has a record in the system. An NMLS ID is assigned to each company \\(Form MU1\\), branch \\(Form MU3\\), and natural person \\(Form MU2 or Form MU4\\) when the entity first creates its record in NMLS. Once assigned, an entity’s NMLS ID cannot be changed.\n\nFor more information on the characteristics of the NMLS ID, see NMLS Unique Identification Number Specifications.\n\n## Frequently Asked Questions \n\nWhen is a NMLS Unique Identifier Valid?\n:   When a company or individual creates an account in NMLS, a unique identifier is automatically assigned and reserved for use by the applicant. However, the NMLS unique identifier is not valid until a state license \\(or the denial of a state license\\) or federal regis",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\nmls_uniqueID_2.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\nmls_uniqueID_2.md",
      "headings": [
        "NMLS Unique Identifier {#nmls_uniqueID .concept}",
        "NMLS Unique Identification Number Specifications {#section_rbt_35n_3fc .section}",
        "Frequently Asked Questions {#section_tbt_35n_3fc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/nmls_uniqueID_2.html",
      "snippet": null
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    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/nmls_uniqueID_2.md:chunk-1",
      "title": "NMLS Unique Identifier {#nmls_uniqueID .concept}",
      "content": "identifier is automatically assigned and reserved for use by the applicant. However, the NMLS unique identifier is not valid until a state license \\(or the denial of a state license\\) or federal registration has been issued.\n\nHow do I verify a NMLS Unique Identifier?\n:   The NMLS Unique Identifier can be verified for a state-licensed company, branch or individual by searching NMLS Consumer Access. If a company, branch or individual purporting to be state-licensed does not appear on NMLS Consumer Access, then they do not have a valid NMLS Unique Identifier.\n\n    Financial institutions that are Federally-insured or chartered, their subsidiaries, and their mortgage loan originators are expected to appear in NMLS Consumer Access shortly after the end of the Federal registration NMLS Federal Registry Resource Center transition period \\(July 29, 2011\\).\n\n    **Note:** Not all state agencies have finished processing transition requests, thus certain active licensees may not appear in NMLS Consumer Access. See NMLS Consumer Access Participation for details.\n\nDo federal registrants have a unique identifier?\n:   Yes, each registered mortgage loan originator is assigned a unique identifier. The deadline for all federal registrants to have completed the registration process is July 29, 2011. After that date, all federal loan originator registrants will be required to hold a valid unique identifier and will be identified as such in NMLS Consumer Access.\n\n-   **NMLS Unique Identification Number Specifications**  \nA unique identifier \\(NMLS Unique ID\\) is assigned by NMLS to each entity that has a record in the system.\n-   **Required Use of NMLS ID**  \nThe SAFE Act mandated the establishment of a unique identifier, and the majority of state mortgage licensing laws require mortgage loan originators to include their unique identifier on various documents, including business cards.\n-   **NMLS Consumer Access Participation**  \nAll state-licensed and registered mortgage companies, bran",
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      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\nmls_uniqueID_2.md",
      "headings": [
        "NMLS Unique Identifier {#nmls_uniqueID .concept}",
        "NMLS Unique Identification Number Specifications {#section_rbt_35n_3fc .section}",
        "Frequently Asked Questions {#section_tbt_35n_3fc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/nmls_uniqueID_2.html",
      "snippet": null
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    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/nmls_uniqueID_2.md:chunk-2",
      "title": "NMLS Unique Identifier {#nmls_uniqueID .concept}",
      "content": "n originators to include their unique identifier on various documents, including business cards.\n-   **NMLS Consumer Access Participation**  \nAll state-licensed and registered mortgage companies, branches and MLOs for the following state agencies can be found on NMLS Consumer Access \\(unless otherwise noted\\).\n\n**Parent topic:**NMLS Reference Guide: About NMLS",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\nmls_uniqueID_2.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\nmls_uniqueID_2.md",
      "headings": [
        "NMLS Unique Identifier {#nmls_uniqueID .concept}",
        "NMLS Unique Identification Number Specifications {#section_rbt_35n_3fc .section}",
        "Frequently Asked Questions {#section_tbt_35n_3fc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/nmls_uniqueID_2.html",
      "snippet": null
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    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/nmls_uniqueID_requiredUse.md:chunk-0",
      "title": "Required Use of NMLS ID {#nmls_uniqueID_requiredUse .concept}",
      "content": "# Required Use of NMLS ID \n\nThe SAFE Act mandated the establishment of a unique identifier, and the majority of state mortgage licensing laws require mortgage loan originators to include their unique identifier on various documents, including business cards.\n\nThe benefit of the unique identifier has been recognized in a similar capacity by the Federal Housing Finance Agency \\(FHFA\\), which is requiring Fannie Mae and Freddie Mac to include the identifiers for the loan originator and loan origination company on each loan application. Additionally, the Federal Housing Administration has also begun collecting the NMLS unique identifiers of all individuals and entities participating in the origination of FHA loans.\n\nThis document provides an overview of use of the NMLS ID under the following sections\n\n-   The SAFE Act\n-   State Requirements\n-   Federal Banking Agency Requirements\n-   FHFA Requirements for NMLS Unique Identifier\n-   FHA Requirements for Collection of NMLS Unique Identifiers\n\n:\n\n## The SAFE Act \n\nThe **SAFE Act** mandated that NMLS establish protocols for assigning a unique identifier to each licensed or registered loan originator that will “facilitate electronic tracking and uniform identification of, and public access to, the employment history of and the publicly adjudicated disciplinary and enforcement actions against loan originators.” All individuals who maintain a record in the system are assigned a unique identifier which is permanently attached to that person or entity and remains attached to the individual’s record regardless. Companies and branch offices that are licensed or registered through NMLS are also assigned unique identifiers.\n\n## State Requirements \n\nThe large majority of states adopted the following provision contained in the CSBS/AARMR Model State Law that mandates the use of the unique identifier. State laws should be consulted to determine specific jurisdictional requirements.\n\n> **MSL XX.XXX.210 UNIQUE IDENTIFIER SHOWN**- The uni",
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      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\nmls_uniqueID_requiredUse.md",
      "headings": [
        "Required Use of NMLS ID {#nmls_uniqueID_requiredUse .concept}",
        "The SAFE Act {#section_wq1_yxn_3fc .section}",
        "State Requirements {#section_xq1_yxn_3fc .section}",
        "Federal Banking Agency Requirements {#section_yq1_yxn_3fc .section}",
        "FHFA Requirements for NMLS Unique Identifier {#section_s1n_hzn_3fc .section}",
        "FHA Requirements for Collection of NMLS Unique Identifiers {#section_vkr_3zn_3fc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/nmls_uniqueID_requiredUse.html",
      "snippet": null
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    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/nmls_uniqueID_requiredUse.md:chunk-1",
      "title": "Required Use of NMLS ID {#nmls_uniqueID_requiredUse .concept}",
      "content": "Model State Law that mandates the use of the unique identifier. State laws should be consulted to determine specific jurisdictional requirements.\n\n> **MSL XX.XXX.210 UNIQUE IDENTIFIER SHOWN**- The unique identifier of any person originating a residential mortgage loan shall be clearly shown on all residential mortgage loan application forms, solicitations or advertisements, including business cards or websites, and any other documents as established by rule, regulation or order of the Commissioner.\n\n## Federal Banking Agency Requirements \n\nFinal Rule to Implement SAFE Act Requirements Issued Jointly by the FDIC, OCC, Federal Reserve, OTS, FCA, and NCUA\n\nThe following language has been adopted by all agencies:\n\n> *__Use of unique identifier__*\n\n> \\(a\\) The \\[institution\\] shall make the unique identifier\\(s\\) of its registered mortgage loan originator\\(s\\) available to consumers in a manner and method practicable to the institution.\\(b\\) A registered mortgage loan originator shall provide his or her unique identifier to a consumer: \\(1\\) Upon request; \\(2\\) Before acting as a mortgage loan originator; and \\(3\\) Through the originator’s initial written communication with a consumer, if any, whether on paper or electronically.\n\n> **\\[12 CFR § 34.105 \\(OCC\\), 12 CFR § 208.105 \\(Federal Reserve\\), 12 CFT § 365.105 \\(FDIC\\), 12 CFR § 563.105 \\(OTS\\), 12 CFR § 610.105 \\(FCA\\), 12 CFR § 761.105 \\(NCUA\\).\\]Supplementary Information \\Federal Register, July 28, 2010,**[http://frwebgate1.access.gpo.gov/cgi-bin/PDFgate.cgi?WAISdocID=gaU0Cg/22/2/0&WAISaction=retrieve.\\]\n\n> *__Section \\_\\_.105—Use of Unique Identifier__*\n\n> The Agencies proposed in § \\_\\_.105\\(a\\) to require an Agency-regulated institution to make the unique identifier\\(s\\) of its registered mortgage loan originator\\(s\\) available to consumers in a manner and method practicable to the institution. Proposed § \\_\\_.105\\(b\\) required a registered mortgage loan originator to provide the originator’s unique identifier ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\nmls_uniqueID_requiredUse.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\nmls_uniqueID_requiredUse.md",
      "headings": [
        "Required Use of NMLS ID {#nmls_uniqueID_requiredUse .concept}",
        "The SAFE Act {#section_wq1_yxn_3fc .section}",
        "State Requirements {#section_xq1_yxn_3fc .section}",
        "Federal Banking Agency Requirements {#section_yq1_yxn_3fc .section}",
        "FHFA Requirements for NMLS Unique Identifier {#section_s1n_hzn_3fc .section}",
        "FHA Requirements for Collection of NMLS Unique Identifiers {#section_vkr_3zn_3fc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/nmls_uniqueID_requiredUse.html",
      "snippet": null
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    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/nmls_uniqueID_requiredUse.md:chunk-2",
      "title": "Required Use of NMLS ID {#nmls_uniqueID_requiredUse .concept}",
      "content": "s\\) available to consumers in a manner and method practicable to the institution. Proposed § \\_\\_.105\\(b\\) required a registered mortgage loan originator to provide the originator’s unique identifier to a consumer upon request, before acting as a mortgage loan originator, and through the originator’s initial written communication with a consumer, if any. Although a mortgage loan originator may change his or her name, change employment, or move, the unique identifier assigned to the originator by the Registry at the originator’s original registration will remain the same. Once public access to the Registry is fully functional, the unique identifier will enable consumer access to an individual mortgage loan originator’s profile stored in the Registry, including the mortgage loan originator’s publicly available registration information, any State mortgage licenses held \\(active or inactive\\), employment history, and publicly adjudicated disciplinary and enforcement actions. If a mortgage loan originator is simultaneously employed by more than one State or agency regulated institution, that information also will be readily visible to the consumer. We received a number of comments on this requirement—some noting that it is cumbersome and of limited benefit to the consumer. However, the **S.A.F.E. Act** requires each mortgage loan originator to obtain a unique identifier to facilitate the electronic tracking of loan originators, and the uniform identification of, and public access to, the employment history and publicly adjudicated disciplinary and enforcement actions against a mortgage loan originator. In order to effectuate this requirement, a mortgage originator and the employing institution must ensure that the consumer has access to the originator’s unique identifier. This access must be made available early enough in the relationship with the originator to enable the consumer to access the Registry before the consumer commits to the mortgage loan transaction. Becaus",
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      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\nmls_uniqueID_requiredUse.md",
      "headings": [
        "Required Use of NMLS ID {#nmls_uniqueID_requiredUse .concept}",
        "The SAFE Act {#section_wq1_yxn_3fc .section}",
        "State Requirements {#section_xq1_yxn_3fc .section}",
        "Federal Banking Agency Requirements {#section_yq1_yxn_3fc .section}",
        "FHFA Requirements for NMLS Unique Identifier {#section_s1n_hzn_3fc .section}",
        "FHA Requirements for Collection of NMLS Unique Identifiers {#section_vkr_3zn_3fc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/nmls_uniqueID_requiredUse.html",
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    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/nmls_uniqueID_requiredUse.md:chunk-3",
      "title": "Required Use of NMLS ID {#nmls_uniqueID_requiredUse .concept}",
      "content": "is access must be made available early enough in the relationship with the originator to enable the consumer to access the Registry before the consumer commits to the mortgage loan transaction. Because a consumer may not be aware of the Registry, it is important that both the institution and originator make this information available to the consumer, and not only just upon the consumer’s request, as suggested by a number of commenters. Therefore, we adopt this requirement as proposed, with one clarifying change described below.\n\n> As noted in the SUPPLEMENTARY INFORMATION section of the proposed rule, an Agency-regulated institution may comply with the § \\_\\_.105\\(a\\) requirement in a number of ways. For example, the institution may choose to direct consumers to a listing of registered mortgage loan originators and their unique identifiers on its Web site; post this information prominently in a publicly accessible place, such as a branch office lobby or lending office reception area; and/or establish a process to ensure that institution personnel provide the unique identifier of a registered mortgage loan originator to consumers who request it from employees other than the mortgage loan originator. Furthermore, the Agencies intend § \\_\\_.105\\(b\\)\\(3\\) of the rule to cover written communication from the originator specifically for his or her customers, such as a commitment letter, good faith estimate or disclosure statement, and not written materials or promotional items distributed by the Agency-regulated institution for general use by its customers. While, this provision does not require institutions to include the unique identifier on loan program descriptions, advertisements, business cards, stationary, notepads, and other similar materials, institutions are not prohibited from doing so. We also clarify that the requirement to provide the unique identifier to the consumer through the originator’s initial written communication, if any, applies whether that communi",
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      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\nmls_uniqueID_requiredUse.md",
      "headings": [
        "Required Use of NMLS ID {#nmls_uniqueID_requiredUse .concept}",
        "The SAFE Act {#section_wq1_yxn_3fc .section}",
        "State Requirements {#section_xq1_yxn_3fc .section}",
        "Federal Banking Agency Requirements {#section_yq1_yxn_3fc .section}",
        "FHFA Requirements for NMLS Unique Identifier {#section_s1n_hzn_3fc .section}",
        "FHA Requirements for Collection of NMLS Unique Identifiers {#section_vkr_3zn_3fc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/nmls_uniqueID_requiredUse.html",
      "snippet": null
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    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/nmls_uniqueID_requiredUse.md:chunk-4",
      "title": "Required Use of NMLS ID {#nmls_uniqueID_requiredUse .concept}",
      "content": "ibited from doing so. We also clarify that the requirement to provide the unique identifier to the consumer through the originator’s initial written communication, if any, applies whether that communication is provided in writing on paper or through electronic means. We have clarified this requirement in the final rule. The Agencies also clarify that the unique identifier may be provided orally, except pursuant to paragraph \\(b\\)\\(3\\) under which the unique identifier would be provided with the written or electronic communication. We note that the Board has proposed amendments to 12 CFR 226 \\(Regulation Z\\) that would require disclosure of the unique identifier as part of TILA disclosures, which generally must be provided to a borrower within three business days of the residential mortgage loan application and seven business days before consummation of the transaction.1 In addition, as indicated above, Fannie Mae and Freddie Mac are requiring all mortgage loan applications taken on or after the compliance date for the unique identifier requirement to include the mortgage loan originator’s unique identifier. We therefore believe that providing consumers with the originator’s unique identifier will not be difficult or burdensome.\n\n## FHFA Requirements for NMLS Unique Identifier \n\nThe Federal Housing Finance Agency \\(FHFA\\) requires Fannie Mae and Freddie Mac to include the identifiers for the loan originator and loan origination company on each loan application FHFA requires all mortgage applications to include loan-level identifiers for the loan originators, loan origination companies, field appraisers and supervisory appraisers. In October 2008, FHFA sent notices to Fannie Mae and Freddie Mac that, effective January 1, 2010, all mortgage applications must include loan-level identifiers for the loan originators, loan origination companies, field appraisers and supervisory appraisers. \\[Link to both notices\\] The agency issued a public statement of this requirement in",
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      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\nmls_uniqueID_requiredUse.md",
      "headings": [
        "Required Use of NMLS ID {#nmls_uniqueID_requiredUse .concept}",
        "The SAFE Act {#section_wq1_yxn_3fc .section}",
        "State Requirements {#section_xq1_yxn_3fc .section}",
        "Federal Banking Agency Requirements {#section_yq1_yxn_3fc .section}",
        "FHFA Requirements for NMLS Unique Identifier {#section_s1n_hzn_3fc .section}",
        "FHA Requirements for Collection of NMLS Unique Identifiers {#section_vkr_3zn_3fc .section}"
      ],
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    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/nmls_uniqueID_requiredUse.md:chunk-5",
      "title": "Required Use of NMLS ID {#nmls_uniqueID_requiredUse .concept}",
      "content": "evel identifiers for the loan originators, loan origination companies, field appraisers and supervisory appraisers. \\[Link to both notices\\] The agency issued a public statement of this requirement in a press release dated January 15, 2009. \\[Link to press release\\] The effective date was subsequently extended to July 1, 2010 but full compliance is not required until such time as all jurisdictions require NMLS unique IDs for mortgage loan originators and mortgage company licensees, and, for federal registrants, the date by which the federal registration of loan originators must be completed.\n\nSpecifically, the FHFA requires:\n\n-   The loan originator’s unique identifier as assigned by NMLS. The notice stated that the loan originator is the individual who takes and signs the mortgage application form;\n-   The loan origination company’s unique identifier as assigned by NMLS. The loan origination company is the company the loan originator is employed by or is representing as an independent contractor;\n-   The appraiser’s state license number and the supervisory appraiser’s state license number.\n\nBoth Fannie Mae and Freddie Mac have issued general FAQs and technical delivery requirement documents to advise their sellers about compliance.\\[links below\\] The most recent guidance was issued in February 2011 and the major clarifications outlined by the agencies are summarized below:\n\n-   For federally regulated institutions, the loan originator and loan origination company identifiers are required for loan applications on or after July 29, 2011.\n-   If there is more than one loan originator on a particular loan, the loan originator ID and the loan origination company ID entered should be associated with the loan originator who signs the loan application.\n-   If the loan is originated by a mortgage broker and sold to Fannie Mae by a Fannie Mae lender, it is the mortgage broker’s unique ID that must be delivered.\n-   If a loan is originated by a correspondent lender, sold to a",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\nmls_uniqueID_requiredUse.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\nmls_uniqueID_requiredUse.md",
      "headings": [
        "Required Use of NMLS ID {#nmls_uniqueID_requiredUse .concept}",
        "The SAFE Act {#section_wq1_yxn_3fc .section}",
        "State Requirements {#section_xq1_yxn_3fc .section}",
        "Federal Banking Agency Requirements {#section_yq1_yxn_3fc .section}",
        "FHFA Requirements for NMLS Unique Identifier {#section_s1n_hzn_3fc .section}",
        "FHA Requirements for Collection of NMLS Unique Identifiers {#section_vkr_3zn_3fc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/nmls_uniqueID_requiredUse.html",
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    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/nmls_uniqueID_requiredUse.md:chunk-6",
      "title": "Required Use of NMLS ID {#nmls_uniqueID_requiredUse .concept}",
      "content": "nated by a mortgage broker and sold to Fannie Mae by a Fannie Mae lender, it is the mortgage broker’s unique ID that must be delivered.\n-   If a loan is originated by a correspondent lender, sold to a Fannie Mae lender and delivered to Fannie Mae, it is the correspondent lender’s unique ID that must be delivered.\n-   If the lender uses a web based application for which there is no initial loan originator assigned, the lender will enter the unique ID of the originator that is assigned to work on the loan casefile.\n-   If you are originating loans in a state that has not yet required loan originators or loan origination companies to obtain identifiers, you will not be required to deliver this information. Once the state requires loan originators and loan origination companies to obtain unique identifiers, you must deliver this data for mortgages with application dates on and after the date the requirement becomes effective.\n\nLinks:\n\nhttps://www.efanniemae.com/sf/guides/ssg/relatedsellinginfo/pdf/mortgageloandelreqsfaqs.pdf\n\nhttp://www.freddiemac.com/sell/secmktg/new\\_details.htm\n\n## FHA Requirements for Collection of NMLS Unique Identifiers \n\nUnder the provisions of the **Helping Families Save Their Homes Act of 2009 \\(Pub.L. 111-22\\)** the failure of a FHA-approved lender to comply with the requirements of the **SAFE Act** and applicable state law is cause for withdrawal of FHA lender approval or loss of authorization to participate in FHA lending programs. In order for FHA to be able to ensure compliance, HUD is mandating that FHA-approved mortgagees and sponsored third party originators provide their NMLS unique identifiers.\n\nHUD issued a mortgagee letter on January 5, 2011 regarding FHA capture of NMLS information. HUD will begin collecting the NMLS unique identifiers of all individuals and entities participating in the origination of FHA loans. All FHA-approved mortgagees and their employees must comply with the NMLS registration requirements and “entities with j",
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      "headings": [
        "Required Use of NMLS ID {#nmls_uniqueID_requiredUse .concept}",
        "The SAFE Act {#section_wq1_yxn_3fc .section}",
        "State Requirements {#section_xq1_yxn_3fc .section}",
        "Federal Banking Agency Requirements {#section_yq1_yxn_3fc .section}",
        "FHFA Requirements for NMLS Unique Identifier {#section_s1n_hzn_3fc .section}",
        "FHA Requirements for Collection of NMLS Unique Identifiers {#section_vkr_3zn_3fc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/nmls_uniqueID_requiredUse.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/nmls_uniqueID_requiredUse.md:chunk-7",
      "title": "Required Use of NMLS ID {#nmls_uniqueID_requiredUse .concept}",
      "content": " of all individuals and entities participating in the origination of FHA loans. All FHA-approved mortgagees and their employees must comply with the NMLS registration requirements and “entities with jurisdiction over their activities” and must register in accordance with the guidance set forth by NMLS.\n\nAlso, FHA-approved mortgagees that act as sponsor for a third party originator should ensure that those originators obtain and maintain an NMLS ID as required by the states and entities with jurisdiction over their activities.\n\nHUD will capture NMLS IDs at a number of points in the lender approval and loan origination processes:\n\nFHA Lender Approval:\n:   HUD will collect the NMLS company ID in a new field in the lender approval application form and will require the ID for companies renewing FHA lender approval in the renewal screens in FHA Connection. Upon release of the new fields, completion of the fields will be mandatory “for those institutions that possess a NMLS company ID”. Lenders are directed to provide the NMLS ID for the home office of the lender\n\nSponsored Originator Registration:\n:   HUD will require the sponsoring mortgagee to enter the NMLS company ID of sponsored originators in the Sponsored Originator Maintenance screen in FHA Connection.\n\nIndividuals Engaged in Loan Processing and Underwriting:\n:   FHA mortgagees must complete the following fields on the FHA Connection case number assignment screen, as appropriate: NMLS ID of the loan officer who took the application \\(if required to possess a NMLS ID\\), and for sponsored third party originator loans, the third party originator’s company name and TIN. Entry of the loan officer ID is optional until March 31, 2011. For all case numbers assigned on or after April 1, 2011, if registered on NMLS, the MLO’s NMLS ID is required.\n\nLinks:\n\nhttp://www.hud.gov/offices/adm/hudclips/letters/mortgagee/files/11-04ml.pdf\n\nhttp://www.fhaoutreach.gov/FHAFAQ/ \\(Search by keyword “NMLS”\\)\n\n**Parent topic:**NMLS Unique ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\nmls_uniqueID_requiredUse.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\nmls_uniqueID_requiredUse.md",
      "headings": [
        "Required Use of NMLS ID {#nmls_uniqueID_requiredUse .concept}",
        "The SAFE Act {#section_wq1_yxn_3fc .section}",
        "State Requirements {#section_xq1_yxn_3fc .section}",
        "Federal Banking Agency Requirements {#section_yq1_yxn_3fc .section}",
        "FHFA Requirements for NMLS Unique Identifier {#section_s1n_hzn_3fc .section}",
        "FHA Requirements for Collection of NMLS Unique Identifiers {#section_vkr_3zn_3fc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/nmls_uniqueID_requiredUse.html",
      "snippet": null
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    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/nmls_uniqueID_requiredUse.md:chunk-8",
      "title": "Required Use of NMLS ID {#nmls_uniqueID_requiredUse .concept}",
      "content": "MLS ID is required.\n\nLinks:\n\nhttp://www.hud.gov/offices/adm/hudclips/letters/mortgagee/files/11-04ml.pdf\n\nhttp://www.fhaoutreach.gov/FHAFAQ/ \\(Search by keyword “NMLS”\\)\n\n**Parent topic:**NMLS Unique Identifier",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\nmls_uniqueID_requiredUse.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\nmls_uniqueID_requiredUse.md",
      "headings": [
        "Required Use of NMLS ID {#nmls_uniqueID_requiredUse .concept}",
        "The SAFE Act {#section_wq1_yxn_3fc .section}",
        "State Requirements {#section_xq1_yxn_3fc .section}",
        "Federal Banking Agency Requirements {#section_yq1_yxn_3fc .section}",
        "FHFA Requirements for NMLS Unique Identifier {#section_s1n_hzn_3fc .section}",
        "FHA Requirements for Collection of NMLS Unique Identifiers {#section_vkr_3zn_3fc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/nmls_uniqueID_requiredUse.html",
      "snippet": null
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    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/nmls_uniqueID_requiredUse_2.md:chunk-0",
      "title": "Required Use of NMLS ID {#nmls_uniqueID_requiredUse .concept}",
      "content": "# Required Use of NMLS ID \n\nThe SAFE Act mandated the establishment of a unique identifier, and the majority of state mortgage licensing laws require mortgage loan originators to include their unique identifier on various documents, including business cards.\n\nThe benefit of the unique identifier has been recognized in a similar capacity by the Federal Housing Finance Agency \\(FHFA\\), which is requiring Fannie Mae and Freddie Mac to include the identifiers for the loan originator and loan origination company on each loan application. Additionally, the Federal Housing Administration has also begun collecting the NMLS unique identifiers of all individuals and entities participating in the origination of FHA loans.\n\nThis document provides an overview of use of the NMLS ID under the following sections\n\n-   The SAFE Act\n-   State Requirements\n-   Federal Banking Agency Requirements\n-   FHFA Requirements for NMLS Unique Identifier\n-   FHA Requirements for Collection of NMLS Unique Identifiers\n\n:\n\n## The SAFE Act \n\nThe **SAFE Act** mandated that NMLS establish protocols for assigning a unique identifier to each licensed or registered loan originator that will “facilitate electronic tracking and uniform identification of, and public access to, the employment history of and the publicly adjudicated disciplinary and enforcement actions against loan originators.” All individuals who maintain a record in the system are assigned a unique identifier which is permanently attached to that person or entity and remains attached to the individual’s record regardless. Companies and branch offices that are licensed or registered through NMLS are also assigned unique identifiers.\n\n## State Requirements \n\nThe large majority of states adopted the following provision contained in the CSBS/AARMR Model State Law that mandates the use of the unique identifier. State laws should be consulted to determine specific jurisdictional requirements.\n\n> **MSL XX.XXX.210 UNIQUE IDENTIFIER SHOWN**- The uni",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\nmls_uniqueID_requiredUse_2.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\nmls_uniqueID_requiredUse_2.md",
      "headings": [
        "Required Use of NMLS ID {#nmls_uniqueID_requiredUse .concept}",
        "The SAFE Act {#section_wq1_yxn_3fc .section}",
        "State Requirements {#section_xq1_yxn_3fc .section}",
        "Federal Banking Agency Requirements {#section_yq1_yxn_3fc .section}",
        "FHFA Requirements for NMLS Unique Identifier {#section_s1n_hzn_3fc .section}",
        "FHA Requirements for Collection of NMLS Unique Identifiers {#section_vkr_3zn_3fc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/nmls_uniqueID_requiredUse_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/nmls_uniqueID_requiredUse_2.md:chunk-1",
      "title": "Required Use of NMLS ID {#nmls_uniqueID_requiredUse .concept}",
      "content": "Model State Law that mandates the use of the unique identifier. State laws should be consulted to determine specific jurisdictional requirements.\n\n> **MSL XX.XXX.210 UNIQUE IDENTIFIER SHOWN**- The unique identifier of any person originating a residential mortgage loan shall be clearly shown on all residential mortgage loan application forms, solicitations or advertisements, including business cards or websites, and any other documents as established by rule, regulation or order of the Commissioner.\n\n## Federal Banking Agency Requirements \n\nFinal Rule to Implement SAFE Act Requirements Issued Jointly by the FDIC, OCC, Federal Reserve, OTS, FCA, and NCUA\n\nThe following language has been adopted by all agencies:\n\n> *__Use of unique identifier__*\n\n> \\(a\\) The \\[institution\\] shall make the unique identifier\\(s\\) of its registered mortgage loan originator\\(s\\) available to consumers in a manner and method practicable to the institution.\\(b\\) A registered mortgage loan originator shall provide his or her unique identifier to a consumer: \\(1\\) Upon request; \\(2\\) Before acting as a mortgage loan originator; and \\(3\\) Through the originator’s initial written communication with a consumer, if any, whether on paper or electronically.\n\n> **\\[12 CFR § 34.105 \\(OCC\\), 12 CFR § 208.105 \\(Federal Reserve\\), 12 CFT § 365.105 \\(FDIC\\), 12 CFR § 563.105 \\(OTS\\), 12 CFR § 610.105 \\(FCA\\), 12 CFR § 761.105 \\(NCUA\\).\\]Supplementary Information \\Federal Register, July 28, 2010,**[http://frwebgate1.access.gpo.gov/cgi-bin/PDFgate.cgi?WAISdocID=gaU0Cg/22/2/0&WAISaction=retrieve.\\]\n\n> *__Section \\_\\_.105—Use of Unique Identifier__*\n\n> The Agencies proposed in § \\_\\_.105\\(a\\) to require an Agency-regulated institution to make the unique identifier\\(s\\) of its registered mortgage loan originator\\(s\\) available to consumers in a manner and method practicable to the institution. Proposed § \\_\\_.105\\(b\\) required a registered mortgage loan originator to provide the originator’s unique identifier ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\nmls_uniqueID_requiredUse_2.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\nmls_uniqueID_requiredUse_2.md",
      "headings": [
        "Required Use of NMLS ID {#nmls_uniqueID_requiredUse .concept}",
        "The SAFE Act {#section_wq1_yxn_3fc .section}",
        "State Requirements {#section_xq1_yxn_3fc .section}",
        "Federal Banking Agency Requirements {#section_yq1_yxn_3fc .section}",
        "FHFA Requirements for NMLS Unique Identifier {#section_s1n_hzn_3fc .section}",
        "FHA Requirements for Collection of NMLS Unique Identifiers {#section_vkr_3zn_3fc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/nmls_uniqueID_requiredUse_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/nmls_uniqueID_requiredUse_2.md:chunk-2",
      "title": "Required Use of NMLS ID {#nmls_uniqueID_requiredUse .concept}",
      "content": "s\\) available to consumers in a manner and method practicable to the institution. Proposed § \\_\\_.105\\(b\\) required a registered mortgage loan originator to provide the originator’s unique identifier to a consumer upon request, before acting as a mortgage loan originator, and through the originator’s initial written communication with a consumer, if any. Although a mortgage loan originator may change his or her name, change employment, or move, the unique identifier assigned to the originator by the Registry at the originator’s original registration will remain the same. Once public access to the Registry is fully functional, the unique identifier will enable consumer access to an individual mortgage loan originator’s profile stored in the Registry, including the mortgage loan originator’s publicly available registration information, any State mortgage licenses held \\(active or inactive\\), employment history, and publicly adjudicated disciplinary and enforcement actions. If a mortgage loan originator is simultaneously employed by more than one State or agency regulated institution, that information also will be readily visible to the consumer. We received a number of comments on this requirement—some noting that it is cumbersome and of limited benefit to the consumer. However, the **S.A.F.E. Act** requires each mortgage loan originator to obtain a unique identifier to facilitate the electronic tracking of loan originators, and the uniform identification of, and public access to, the employment history and publicly adjudicated disciplinary and enforcement actions against a mortgage loan originator. In order to effectuate this requirement, a mortgage originator and the employing institution must ensure that the consumer has access to the originator’s unique identifier. This access must be made available early enough in the relationship with the originator to enable the consumer to access the Registry before the consumer commits to the mortgage loan transaction. Becaus",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\nmls_uniqueID_requiredUse_2.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\nmls_uniqueID_requiredUse_2.md",
      "headings": [
        "Required Use of NMLS ID {#nmls_uniqueID_requiredUse .concept}",
        "The SAFE Act {#section_wq1_yxn_3fc .section}",
        "State Requirements {#section_xq1_yxn_3fc .section}",
        "Federal Banking Agency Requirements {#section_yq1_yxn_3fc .section}",
        "FHFA Requirements for NMLS Unique Identifier {#section_s1n_hzn_3fc .section}",
        "FHA Requirements for Collection of NMLS Unique Identifiers {#section_vkr_3zn_3fc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/nmls_uniqueID_requiredUse_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/nmls_uniqueID_requiredUse_2.md:chunk-3",
      "title": "Required Use of NMLS ID {#nmls_uniqueID_requiredUse .concept}",
      "content": "is access must be made available early enough in the relationship with the originator to enable the consumer to access the Registry before the consumer commits to the mortgage loan transaction. Because a consumer may not be aware of the Registry, it is important that both the institution and originator make this information available to the consumer, and not only just upon the consumer’s request, as suggested by a number of commenters. Therefore, we adopt this requirement as proposed, with one clarifying change described below.\n\n> As noted in the SUPPLEMENTARY INFORMATION section of the proposed rule, an Agency-regulated institution may comply with the § \\_\\_.105\\(a\\) requirement in a number of ways. For example, the institution may choose to direct consumers to a listing of registered mortgage loan originators and their unique identifiers on its Web site; post this information prominently in a publicly accessible place, such as a branch office lobby or lending office reception area; and/or establish a process to ensure that institution personnel provide the unique identifier of a registered mortgage loan originator to consumers who request it from employees other than the mortgage loan originator. Furthermore, the Agencies intend § \\_\\_.105\\(b\\)\\(3\\) of the rule to cover written communication from the originator specifically for his or her customers, such as a commitment letter, good faith estimate or disclosure statement, and not written materials or promotional items distributed by the Agency-regulated institution for general use by its customers. While, this provision does not require institutions to include the unique identifier on loan program descriptions, advertisements, business cards, stationary, notepads, and other similar materials, institutions are not prohibited from doing so. We also clarify that the requirement to provide the unique identifier to the consumer through the originator’s initial written communication, if any, applies whether that communi",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\nmls_uniqueID_requiredUse_2.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\nmls_uniqueID_requiredUse_2.md",
      "headings": [
        "Required Use of NMLS ID {#nmls_uniqueID_requiredUse .concept}",
        "The SAFE Act {#section_wq1_yxn_3fc .section}",
        "State Requirements {#section_xq1_yxn_3fc .section}",
        "Federal Banking Agency Requirements {#section_yq1_yxn_3fc .section}",
        "FHFA Requirements for NMLS Unique Identifier {#section_s1n_hzn_3fc .section}",
        "FHA Requirements for Collection of NMLS Unique Identifiers {#section_vkr_3zn_3fc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/nmls_uniqueID_requiredUse_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/nmls_uniqueID_requiredUse_2.md:chunk-4",
      "title": "Required Use of NMLS ID {#nmls_uniqueID_requiredUse .concept}",
      "content": "ibited from doing so. We also clarify that the requirement to provide the unique identifier to the consumer through the originator’s initial written communication, if any, applies whether that communication is provided in writing on paper or through electronic means. We have clarified this requirement in the final rule. The Agencies also clarify that the unique identifier may be provided orally, except pursuant to paragraph \\(b\\)\\(3\\) under which the unique identifier would be provided with the written or electronic communication. We note that the Board has proposed amendments to 12 CFR 226 \\(Regulation Z\\) that would require disclosure of the unique identifier as part of TILA disclosures, which generally must be provided to a borrower within three business days of the residential mortgage loan application and seven business days before consummation of the transaction.1 In addition, as indicated above, Fannie Mae and Freddie Mac are requiring all mortgage loan applications taken on or after the compliance date for the unique identifier requirement to include the mortgage loan originator’s unique identifier. We therefore believe that providing consumers with the originator’s unique identifier will not be difficult or burdensome.\n\n## FHFA Requirements for NMLS Unique Identifier \n\nThe Federal Housing Finance Agency \\(FHFA\\) requires Fannie Mae and Freddie Mac to include the identifiers for the loan originator and loan origination company on each loan application FHFA requires all mortgage applications to include loan-level identifiers for the loan originators, loan origination companies, field appraisers and supervisory appraisers. In October 2008, FHFA sent notices to Fannie Mae and Freddie Mac that, effective January 1, 2010, all mortgage applications must include loan-level identifiers for the loan originators, loan origination companies, field appraisers and supervisory appraisers. \\[Link to both notices\\] The agency issued a public statement of this requirement in",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\nmls_uniqueID_requiredUse_2.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\nmls_uniqueID_requiredUse_2.md",
      "headings": [
        "Required Use of NMLS ID {#nmls_uniqueID_requiredUse .concept}",
        "The SAFE Act {#section_wq1_yxn_3fc .section}",
        "State Requirements {#section_xq1_yxn_3fc .section}",
        "Federal Banking Agency Requirements {#section_yq1_yxn_3fc .section}",
        "FHFA Requirements for NMLS Unique Identifier {#section_s1n_hzn_3fc .section}",
        "FHA Requirements for Collection of NMLS Unique Identifiers {#section_vkr_3zn_3fc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/nmls_uniqueID_requiredUse_2.html",
      "snippet": null
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    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/nmls_uniqueID_requiredUse_2.md:chunk-5",
      "title": "Required Use of NMLS ID {#nmls_uniqueID_requiredUse .concept}",
      "content": "evel identifiers for the loan originators, loan origination companies, field appraisers and supervisory appraisers. \\[Link to both notices\\] The agency issued a public statement of this requirement in a press release dated January 15, 2009. \\[Link to press release\\] The effective date was subsequently extended to July 1, 2010 but full compliance is not required until such time as all jurisdictions require NMLS unique IDs for mortgage loan originators and mortgage company licensees, and, for federal registrants, the date by which the federal registration of loan originators must be completed.\n\nSpecifically, the FHFA requires:\n\n-   The loan originator’s unique identifier as assigned by NMLS. The notice stated that the loan originator is the individual who takes and signs the mortgage application form;\n-   The loan origination company’s unique identifier as assigned by NMLS. The loan origination company is the company the loan originator is employed by or is representing as an independent contractor;\n-   The appraiser’s state license number and the supervisory appraiser’s state license number.\n\nBoth Fannie Mae and Freddie Mac have issued general FAQs and technical delivery requirement documents to advise their sellers about compliance.\\[links below\\] The most recent guidance was issued in February 2011 and the major clarifications outlined by the agencies are summarized below:\n\n-   For federally regulated institutions, the loan originator and loan origination company identifiers are required for loan applications on or after July 29, 2011.\n-   If there is more than one loan originator on a particular loan, the loan originator ID and the loan origination company ID entered should be associated with the loan originator who signs the loan application.\n-   If the loan is originated by a mortgage broker and sold to Fannie Mae by a Fannie Mae lender, it is the mortgage broker’s unique ID that must be delivered.\n-   If a loan is originated by a correspondent lender, sold to a",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\nmls_uniqueID_requiredUse_2.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\nmls_uniqueID_requiredUse_2.md",
      "headings": [
        "Required Use of NMLS ID {#nmls_uniqueID_requiredUse .concept}",
        "The SAFE Act {#section_wq1_yxn_3fc .section}",
        "State Requirements {#section_xq1_yxn_3fc .section}",
        "Federal Banking Agency Requirements {#section_yq1_yxn_3fc .section}",
        "FHFA Requirements for NMLS Unique Identifier {#section_s1n_hzn_3fc .section}",
        "FHA Requirements for Collection of NMLS Unique Identifiers {#section_vkr_3zn_3fc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/nmls_uniqueID_requiredUse_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/nmls_uniqueID_requiredUse_2.md:chunk-6",
      "title": "Required Use of NMLS ID {#nmls_uniqueID_requiredUse .concept}",
      "content": "nated by a mortgage broker and sold to Fannie Mae by a Fannie Mae lender, it is the mortgage broker’s unique ID that must be delivered.\n-   If a loan is originated by a correspondent lender, sold to a Fannie Mae lender and delivered to Fannie Mae, it is the correspondent lender’s unique ID that must be delivered.\n-   If the lender uses a web based application for which there is no initial loan originator assigned, the lender will enter the unique ID of the originator that is assigned to work on the loan casefile.\n-   If you are originating loans in a state that has not yet required loan originators or loan origination companies to obtain identifiers, you will not be required to deliver this information. Once the state requires loan originators and loan origination companies to obtain unique identifiers, you must deliver this data for mortgages with application dates on and after the date the requirement becomes effective.\n\nLinks:\n\nhttps://www.efanniemae.com/sf/guides/ssg/relatedsellinginfo/pdf/mortgageloandelreqsfaqs.pdf\n\nhttp://www.freddiemac.com/sell/secmktg/new\\_details.htm\n\n## FHA Requirements for Collection of NMLS Unique Identifiers \n\nUnder the provisions of the **Helping Families Save Their Homes Act of 2009 \\(Pub.L. 111-22\\)** the failure of a FHA-approved lender to comply with the requirements of the **SAFE Act** and applicable state law is cause for withdrawal of FHA lender approval or loss of authorization to participate in FHA lending programs. In order for FHA to be able to ensure compliance, HUD is mandating that FHA-approved mortgagees and sponsored third party originators provide their NMLS unique identifiers.\n\nHUD issued a mortgagee letter on January 5, 2011 regarding FHA capture of NMLS information. HUD will begin collecting the NMLS unique identifiers of all individuals and entities participating in the origination of FHA loans. All FHA-approved mortgagees and their employees must comply with the NMLS registration requirements and “entities with j",
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      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\nmls_uniqueID_requiredUse_2.md",
      "headings": [
        "Required Use of NMLS ID {#nmls_uniqueID_requiredUse .concept}",
        "The SAFE Act {#section_wq1_yxn_3fc .section}",
        "State Requirements {#section_xq1_yxn_3fc .section}",
        "Federal Banking Agency Requirements {#section_yq1_yxn_3fc .section}",
        "FHFA Requirements for NMLS Unique Identifier {#section_s1n_hzn_3fc .section}",
        "FHA Requirements for Collection of NMLS Unique Identifiers {#section_vkr_3zn_3fc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/nmls_uniqueID_requiredUse_2.html",
      "snippet": null
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    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/nmls_uniqueID_requiredUse_2.md:chunk-7",
      "title": "Required Use of NMLS ID {#nmls_uniqueID_requiredUse .concept}",
      "content": " of all individuals and entities participating in the origination of FHA loans. All FHA-approved mortgagees and their employees must comply with the NMLS registration requirements and “entities with jurisdiction over their activities” and must register in accordance with the guidance set forth by NMLS.\n\nAlso, FHA-approved mortgagees that act as sponsor for a third party originator should ensure that those originators obtain and maintain an NMLS ID as required by the states and entities with jurisdiction over their activities.\n\nHUD will capture NMLS IDs at a number of points in the lender approval and loan origination processes:\n\nFHA Lender Approval:\n:   HUD will collect the NMLS company ID in a new field in the lender approval application form and will require the ID for companies renewing FHA lender approval in the renewal screens in FHA Connection. Upon release of the new fields, completion of the fields will be mandatory “for those institutions that possess a NMLS company ID”. Lenders are directed to provide the NMLS ID for the home office of the lender\n\nSponsored Originator Registration:\n:   HUD will require the sponsoring mortgagee to enter the NMLS company ID of sponsored originators in the Sponsored Originator Maintenance screen in FHA Connection.\n\nIndividuals Engaged in Loan Processing and Underwriting:\n:   FHA mortgagees must complete the following fields on the FHA Connection case number assignment screen, as appropriate: NMLS ID of the loan officer who took the application \\(if required to possess a NMLS ID\\), and for sponsored third party originator loans, the third party originator’s company name and TIN. Entry of the loan officer ID is optional until March 31, 2011. For all case numbers assigned on or after April 1, 2011, if registered on NMLS, the MLO’s NMLS ID is required.\n\nLinks:\n\nhttp://www.hud.gov/offices/adm/hudclips/letters/mortgagee/files/11-04ml.pdf\n\nhttp://www.fhaoutreach.gov/FHAFAQ/ \\(Search by keyword “NMLS”\\)\n\n**Parent topic:**NMLS Unique ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\nmls_uniqueID_requiredUse_2.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\nmls_uniqueID_requiredUse_2.md",
      "headings": [
        "Required Use of NMLS ID {#nmls_uniqueID_requiredUse .concept}",
        "The SAFE Act {#section_wq1_yxn_3fc .section}",
        "State Requirements {#section_xq1_yxn_3fc .section}",
        "Federal Banking Agency Requirements {#section_yq1_yxn_3fc .section}",
        "FHFA Requirements for NMLS Unique Identifier {#section_s1n_hzn_3fc .section}",
        "FHA Requirements for Collection of NMLS Unique Identifiers {#section_vkr_3zn_3fc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/nmls_uniqueID_requiredUse_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/nmls_uniqueID_requiredUse_2.md:chunk-8",
      "title": "Required Use of NMLS ID {#nmls_uniqueID_requiredUse .concept}",
      "content": "MLS ID is required.\n\nLinks:\n\nhttp://www.hud.gov/offices/adm/hudclips/letters/mortgagee/files/11-04ml.pdf\n\nhttp://www.fhaoutreach.gov/FHAFAQ/ \\(Search by keyword “NMLS”\\)\n\n**Parent topic:**NMLS Unique Identifier",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\nmls_uniqueID_requiredUse_2.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\nmls_uniqueID_requiredUse_2.md",
      "headings": [
        "Required Use of NMLS ID {#nmls_uniqueID_requiredUse .concept}",
        "The SAFE Act {#section_wq1_yxn_3fc .section}",
        "State Requirements {#section_xq1_yxn_3fc .section}",
        "Federal Banking Agency Requirements {#section_yq1_yxn_3fc .section}",
        "FHFA Requirements for NMLS Unique Identifier {#section_s1n_hzn_3fc .section}",
        "FHA Requirements for Collection of NMLS Unique Identifiers {#section_vkr_3zn_3fc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/nmls_uniqueID_requiredUse_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/nmls_uniqueID_specs.md:chunk-0",
      "title": "NMLS Unique Identification Number Specifications {#nmls_uniqueID_specs .reference}",
      "content": "# NMLS Unique Identification Number Specifications \n\nA unique identifier \\(NMLS Unique ID\\) is assigned by NMLS to each entity that has a record in the system.\n\n## The characteristics of the NMLS Unique ID are as follows \n\n-   A unique ID is assigned to each company \\(Form MU1\\), branch \\(Form MU3\\), and natural person \\(Form MU2 or Form MU4\\) when the entity first creates its record in NMLS\n-   Once assigned, an entity’s Unique ID cannot be changed\n-   The NMLS Unique ID is assigned sequentially, +1 from the last ID number assigned\n-   The first NMLS Unique ID assigned was a four-digit number\n-   The NMLS Unique ID is stored as an Oracle INT \\(numeric integer\\) and is not expected to exceed one trillion \\(or 12 digits\\)\n\n**Parent topic:**NMLS Unique Identifier",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\nmls_uniqueID_specs.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\nmls_uniqueID_specs.md",
      "headings": [
        "NMLS Unique Identification Number Specifications {#nmls_uniqueID_specs .reference}",
        "The characteristics of the NMLS Unique ID are as follows {#section_a53_x14_3fc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/nmls_uniqueID_specs.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/aboutNMLS/maps/topics/nmls_uniqueID_specs_2.md:chunk-0",
      "title": "NMLS Unique Identification Number Specifications {#nmls_uniqueID_specs .reference}",
      "content": "# NMLS Unique Identification Number Specifications \n\nA unique identifier \\(NMLS Unique ID\\) is assigned by NMLS to each entity that has a record in the system.\n\n## The characteristics of the NMLS Unique ID are as follows \n\n-   A unique ID is assigned to each company \\(Form MU1\\), branch \\(Form MU3\\), and natural person \\(Form MU2 or Form MU4\\) when the entity first creates its record in NMLS\n-   Once assigned, an entity’s Unique ID cannot be changed\n-   The NMLS Unique ID is assigned sequentially, +1 from the last ID number assigned\n-   The first NMLS Unique ID assigned was a four-digit number\n-   The NMLS Unique ID is stored as an Oracle INT \\(numeric integer\\) and is not expected to exceed one trillion \\(or 12 digits\\)\n\n**Parent topic:**NMLS Unique Identifier",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\nmls_uniqueID_specs_2.md",
      "relative_path": "maps\\NMLS\\reference\\aboutNMLS\\maps\\topics\\nmls_uniqueID_specs_2.md",
      "headings": [
        "NMLS Unique Identification Number Specifications {#nmls_uniqueID_specs .reference}",
        "The characteristics of the NMLS Unique ID are as follows {#section_a53_x14_3fc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/aboutNMLS/maps/topics/nmls_uniqueID_specs_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescacn_docs.md:chunk-0",
      "title": "ACN Related Documents {#nmls_mu_1_3_docDescacn_docs .reference}",
      "content": "# ACN Related Documents \n\n## General/State-Specific { .section}\n\nGeneral and/or State-Specific\n\n## Document Description\\(s\\) { .section}\n\nDocuments related to an ACN. These documents are for pre-notification purposes only and once the transaction has processed, the final versions must be uploaded under the non-ACN related category and removed from the ACN category.\n\n## File Name Format { .section}\n\nGeneral Documents:\n\n`ACN – [*Document Type*] (e.g., ACN – Amended Articles)`\n\nState Specific Documents:\n\n`ACN – [*State Prefix*] – [*Document Type*] (e.g. ACN-VT-Surety Bond)`\n\n## Amendments { .section}\n\nIf applicable, on the change effective date, the final versions of the documents must be uploaded in the document upload area under the non-ACN related category. Once the final document is uploaded in its proper category, the ACN document must be removed.\n\n## Examples { .section}\n\nLetter of explanation, preliminary surety bond modification.\n\n## Upload Location { .section}\n\nCOMPANY FILING \\(MU1\\) and BRANCH FILING \\(MU3\\)\n\n**Parent topic:**Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescacn_docs.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescacn_docs.md",
      "headings": [
        "ACN Related Documents {#nmls_mu_1_3_docDescacn_docs .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Examples { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescacn_docs.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescacn_docs_2.md:chunk-0",
      "title": "ACN Related Documents {#nmls_mu_1_3_docDescacn_docs .reference}",
      "content": "# ACN Related Documents \n\n## General/State-Specific { .section}\n\nGeneral and/or State-Specific\n\n## Document Description\\(s\\) { .section}\n\nDocuments related to an ACN. These documents are for pre-notification purposes only and once the transaction has processed, the final versions must be uploaded under the non-ACN related category and removed from the ACN category.\n\n## File Name Format { .section}\n\nGeneral Documents:\n\n`ACN – [*Document Type*] (e.g., ACN – Amended Articles)`\n\nState Specific Documents:\n\n`ACN – [*State Prefix*] – [*Document Type*] (e.g. ACN-VT-Surety Bond)`\n\n## Amendments { .section}\n\nIf applicable, on the change effective date, the final versions of the documents must be uploaded in the document upload area under the non-ACN related category. Once the final document is uploaded in its proper category, the ACN document must be removed.\n\n## Examples { .section}\n\nLetter of explanation, preliminary surety bond modification.\n\n## Upload Location { .section}\n\nCOMPANY FILING \\(MU1\\) and BRANCH FILING \\(MU3\\)\n\n**Parent topic:**Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescacn_docs_2.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescacn_docs_2.md",
      "headings": [
        "ACN Related Documents {#nmls_mu_1_3_docDescacn_docs .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Examples { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescacn_docs_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescacn_docs_3.md:chunk-0",
      "title": "ACN Related Documents {#nmls_mu_1_3_docDescacn_docs .reference}",
      "content": "# ACN Related Documents \n\n## General/State-Specific { .section}\n\nGeneral and/or State-Specific\n\n## Document Description\\(s\\) { .section}\n\nDocuments related to an ACN. These documents are for pre-notification purposes only and once the transaction has processed, the final versions must be uploaded under the non-ACN related category and removed from the ACN category.\n\n## File Name Format { .section}\n\nGeneral Documents:\n\n`ACN – [*Document Type*] (e.g., ACN – Amended Articles)`\n\nState Specific Documents:\n\n`ACN – [*State Prefix*] – [*Document Type*] (e.g. ACN-VT-Surety Bond)`\n\n## Amendments { .section}\n\nIf applicable, on the change effective date, the final versions of the documents must be uploaded in the document upload area under the non-ACN related category. Once the final document is uploaded in its proper category, the ACN document must be removed.\n\n## Examples { .section}\n\nLetter of explanation, preliminary surety bond modification.\n\n## Upload Location { .section}\n\nCOMPANY FILING \\(MU1\\) and BRANCH FILING \\(MU3\\)\n\n**Parent topic:**Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescacn_docs_3.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescacn_docs_3.md",
      "headings": [
        "ACN Related Documents {#nmls_mu_1_3_docDescacn_docs .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Examples { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescacn_docs_3.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescacn_docs_4.md:chunk-0",
      "title": "ACN Related Documents {#nmls_mu_1_3_docDescacn_docs .reference}",
      "content": "# ACN Related Documents \n\n## General/State-Specific { .section}\n\nGeneral and/or State-Specific\n\n## Document Description\\(s\\) { .section}\n\nDocuments related to an ACN. These documents are for pre-notification purposes only and once the transaction has processed, the final versions must be uploaded under the non-ACN related category and removed from the ACN category.\n\n## File Name Format { .section}\n\nGeneral Documents:\n\n`ACN – [*Document Type*] (e.g., ACN – Amended Articles)`\n\nState Specific Documents:\n\n`ACN – [*State Prefix*] – [*Document Type*] (e.g. ACN-VT-Surety Bond)`\n\n## Amendments { .section}\n\nIf applicable, on the change effective date, the final versions of the documents must be uploaded in the document upload area under the non-ACN related category. Once the final document is uploaded in its proper category, the ACN document must be removed.\n\n## Examples { .section}\n\nLetter of explanation, preliminary surety bond modification.\n\n## Upload Location { .section}\n\nCOMPANY FILING \\(MU1\\) and BRANCH FILING \\(MU3\\)\n\n**Parent topic:**Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescacn_docs_4.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescacn_docs_4.md",
      "headings": [
        "ACN Related Documents {#nmls_mu_1_3_docDescacn_docs .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Examples { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescacn_docs_4.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescaddreqs.md:chunk-0",
      "title": "Additional Requirement\\(s\\) {#nmls_mu_1_3_docDescaddreqs .reference}",
      "content": "# Additional Requirement\\(s\\) \n\nThese are state-specific requirements, such as state-specific forms, proof of workers compenation, state-specific polices, etc.\n\n## General/State-Specific { .section}\n\nState-Specific\n\n## Document Description\\(s\\) { .section}\n\nRefer to State Licensing Checklist Compiler for documents required by the states you are applying to or licensed in. This document type shall not be used for anything beyond the specified requirements.\n\n## File Name Format { .section}\n\n`[*State prefix*] - [*Requirement Name*] (e.g. MN - Workers Compensation Insurance)`\n\n## Amendments { .section}\n\nExisting document must be removed and replaced by new document.\n\n## Examples { .section}\n\nState-specific forms, Proof of Workers Compensation, state-specific polices.\n\n## Does Not Include { .section}\n\nAny documents that can be categorized under any other Document Upload Types. Any documents that include Personal Identifying Information or sensitive information \\(i.e., Information Technology Audit\\), information related to criminal background/history checks, etc.\n\n## Upload Location { .section}\n\nCOMPANY FILING \\(MU1\\) and BRANCH FILING \\(MU3\\)\n\n**Parent topic:**Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescaddreqs.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescaddreqs.md",
      "headings": [
        "Additional Requirement\\(s\\) {#nmls_mu_1_3_docDescaddreqs .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Examples { .section}",
        "Does Not Include { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescaddreqs.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescaddreqs_2.md:chunk-0",
      "title": "Additional Requirement\\(s\\) {#nmls_mu_1_3_docDescaddreqs .reference}",
      "content": "# Additional Requirement\\(s\\) \n\nThese are state-specific requirements, such as state-specific forms, proof of workers compenation, state-specific polices, etc.\n\n## General/State-Specific { .section}\n\nState-Specific\n\n## Document Description\\(s\\) { .section}\n\nRefer to State Licensing Checklist Compiler for documents required by the states you are applying to or licensed in. This document type shall not be used for anything beyond the specified requirements.\n\n## File Name Format { .section}\n\n`[*State prefix*] - [*Requirement Name*] (e.g. MN - Workers Compensation Insurance)`\n\n## Amendments { .section}\n\nExisting document must be removed and replaced by new document.\n\n## Examples { .section}\n\nState-specific forms, Proof of Workers Compensation, state-specific polices.\n\n## Does Not Include { .section}\n\nAny documents that can be categorized under any other Document Upload Types. Any documents that include Personal Identifying Information or sensitive information \\(i.e., Information Technology Audit\\), information related to criminal background/history checks, etc.\n\n## Upload Location { .section}\n\nCOMPANY FILING \\(MU1\\) and BRANCH FILING \\(MU3\\)\n\n**Parent topic:**Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescaddreqs_2.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescaddreqs_2.md",
      "headings": [
        "Additional Requirement\\(s\\) {#nmls_mu_1_3_docDescaddreqs .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Examples { .section}",
        "Does Not Include { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescaddreqs_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescaddreqs_3.md:chunk-0",
      "title": "Additional Requirement\\(s\\) {#nmls_mu_1_3_docDescaddreqs .reference}",
      "content": "# Additional Requirement\\(s\\) \n\nThese are state-specific requirements, such as state-specific forms, proof of workers compenation, state-specific polices, etc.\n\n## General/State-Specific { .section}\n\nState-Specific\n\n## Document Description\\(s\\) { .section}\n\nRefer to State Licensing Checklist Compiler for documents required by the states you are applying to or licensed in. This document type shall not be used for anything beyond the specified requirements.\n\n## File Name Format { .section}\n\n`[*State prefix*] - [*Requirement Name*] (e.g. MN - Workers Compensation Insurance)`\n\n## Amendments { .section}\n\nExisting document must be removed and replaced by new document.\n\n## Examples { .section}\n\nState-specific forms, Proof of Workers Compensation, state-specific polices.\n\n## Does Not Include { .section}\n\nAny documents that can be categorized under any other Document Upload Types. Any documents that include Personal Identifying Information or sensitive information \\(i.e., Information Technology Audit\\), information related to criminal background/history checks, etc.\n\n## Upload Location { .section}\n\nCOMPANY FILING \\(MU1\\) and BRANCH FILING \\(MU3\\)\n\n**Parent topic:**Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescaddreqs_3.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescaddreqs_3.md",
      "headings": [
        "Additional Requirement\\(s\\) {#nmls_mu_1_3_docDescaddreqs .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Examples { .section}",
        "Does Not Include { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescaddreqs_3.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescaddreqs_4.md:chunk-0",
      "title": "Additional Requirement\\(s\\) {#nmls_mu_1_3_docDescaddreqs .reference}",
      "content": "# Additional Requirement\\(s\\) \n\nThese are state-specific requirements, such as state-specific forms, proof of workers compenation, state-specific polices, etc.\n\n## General/State-Specific { .section}\n\nState-Specific\n\n## Document Description\\(s\\) { .section}\n\nRefer to State Licensing Checklist Compiler for documents required by the states you are applying to or licensed in. This document type shall not be used for anything beyond the specified requirements.\n\n## File Name Format { .section}\n\n`[*State prefix*] - [*Requirement Name*] (e.g. MN - Workers Compensation Insurance)`\n\n## Amendments { .section}\n\nExisting document must be removed and replaced by new document.\n\n## Examples { .section}\n\nState-specific forms, Proof of Workers Compensation, state-specific polices.\n\n## Does Not Include { .section}\n\nAny documents that can be categorized under any other Document Upload Types. Any documents that include Personal Identifying Information or sensitive information \\(i.e., Information Technology Audit\\), information related to criminal background/history checks, etc.\n\n## Upload Location { .section}\n\nCOMPANY FILING \\(MU1\\) and BRANCH FILING \\(MU3\\)\n\n**Parent topic:**Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescaddreqs_4.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescaddreqs_4.md",
      "headings": [
        "Additional Requirement\\(s\\) {#nmls_mu_1_3_docDescaddreqs .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Examples { .section}",
        "Does Not Include { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescaddreqs_4.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescbizcontplan.md:chunk-0",
      "title": "Business Continuity Plan {#nmls_mu_1_3_docDescbizcontplan .reference}",
      "content": "# Business Continuity Plan \n\nA Business Continuity Plan is the process and documentation that describes how a company plans, prevents, maintains, and/or recovers essential functions, systems, processes, and other business operations involving threats to the business, including during a disaster.\n\n## General/State-Specific { .section}\n\nGeneral\n\n## Document Description\\(s\\) { .section}\n\nA Business Continuity Plan is the process and documentation that describes how a company plans, prevents, maintains, and/or recovers essential functions, systems, processes, and other business operations involving threats to the business, including during a disaster.\n\n## File Name Format { .section}\n\n`[*Company Legal Name*] Business Continuity Plan`\n\n## Amendments { .section}\n\nAn Amendment is a change to the existing document. Existing Business Continuity Plan must be removed and replaced with the amended plan.\n\n## Does Not Include { .section}\n\nItems covered in a Business Plan.\n\n## Upload Location { .section}\n\nCOMPANY FILING \\(MU1\\)\n\n**Parent topic:**Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescbizcontplan.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescbizcontplan.md",
      "headings": [
        "Business Continuity Plan {#nmls_mu_1_3_docDescbizcontplan .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Does Not Include { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescbizcontplan.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescbizcontplan_2.md:chunk-0",
      "title": "Business Continuity Plan {#nmls_mu_1_3_docDescbizcontplan .reference}",
      "content": "# Business Continuity Plan \n\nA Business Continuity Plan is the process and documentation that describes how a company plans, prevents, maintains, and/or recovers essential functions, systems, processes, and other business operations involving threats to the business, including during a disaster.\n\n## General/State-Specific { .section}\n\nGeneral\n\n## Document Description\\(s\\) { .section}\n\nA Business Continuity Plan is the process and documentation that describes how a company plans, prevents, maintains, and/or recovers essential functions, systems, processes, and other business operations involving threats to the business, including during a disaster.\n\n## File Name Format { .section}\n\n`[*Company Legal Name*] Business Continuity Plan`\n\n## Amendments { .section}\n\nAn Amendment is a change to the existing document. Existing Business Continuity Plan must be removed and replaced with the amended plan.\n\n## Does Not Include { .section}\n\nItems covered in a Business Plan.\n\n## Upload Location { .section}\n\nCOMPANY FILING \\(MU1\\)\n\n**Parent topic:**Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescbizcontplan_2.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescbizcontplan_2.md",
      "headings": [
        "Business Continuity Plan {#nmls_mu_1_3_docDescbizcontplan .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Does Not Include { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescbizcontplan_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescbizcontplan_3.md:chunk-0",
      "title": "Business Continuity Plan {#nmls_mu_1_3_docDescbizcontplan .reference}",
      "content": "# Business Continuity Plan \n\nA Business Continuity Plan is the process and documentation that describes how a company plans, prevents, maintains, and/or recovers essential functions, systems, processes, and other business operations involving threats to the business, including during a disaster.\n\n## General/State-Specific { .section}\n\nGeneral\n\n## Document Description\\(s\\) { .section}\n\nA Business Continuity Plan is the process and documentation that describes how a company plans, prevents, maintains, and/or recovers essential functions, systems, processes, and other business operations involving threats to the business, including during a disaster.\n\n## File Name Format { .section}\n\n`[*Company Legal Name*] Business Continuity Plan`\n\n## Amendments { .section}\n\nAn Amendment is a change to the existing document. Existing Business Continuity Plan must be removed and replaced with the amended plan.\n\n## Does Not Include { .section}\n\nItems covered in a Business Plan.\n\n## Upload Location { .section}\n\nCOMPANY FILING \\(MU1\\)\n\n**Parent topic:**Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescbizcontplan_3.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescbizcontplan_3.md",
      "headings": [
        "Business Continuity Plan {#nmls_mu_1_3_docDescbizcontplan .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Does Not Include { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescbizcontplan_3.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescbizcontplan_4.md:chunk-0",
      "title": "Business Continuity Plan {#nmls_mu_1_3_docDescbizcontplan .reference}",
      "content": "# Business Continuity Plan \n\nA Business Continuity Plan is the process and documentation that describes how a company plans, prevents, maintains, and/or recovers essential functions, systems, processes, and other business operations involving threats to the business, including during a disaster.\n\n## General/State-Specific { .section}\n\nGeneral\n\n## Document Description\\(s\\) { .section}\n\nA Business Continuity Plan is the process and documentation that describes how a company plans, prevents, maintains, and/or recovers essential functions, systems, processes, and other business operations involving threats to the business, including during a disaster.\n\n## File Name Format { .section}\n\n`[*Company Legal Name*] Business Continuity Plan`\n\n## Amendments { .section}\n\nAn Amendment is a change to the existing document. Existing Business Continuity Plan must be removed and replaced with the amended plan.\n\n## Does Not Include { .section}\n\nItems covered in a Business Plan.\n\n## Upload Location { .section}\n\nCOMPANY FILING \\(MU1\\)\n\n**Parent topic:**Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescbizcontplan_4.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescbizcontplan_4.md",
      "headings": [
        "Business Continuity Plan {#nmls_mu_1_3_docDescbizcontplan .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Does Not Include { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescbizcontplan_4.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescbizcontstatrpt.md:chunk-0",
      "title": "Business Continuity Operational Status Report {#nmls_mu_1_3_docDescbizcontstatrpt .reference}",
      "content": "# Business Continuity Operational Status Report \n\nA Business Continuity Operational Status Report provides specific detail on a company’s implementation of its Business Continuity Plan during a specific critical threat, including a disaster.\n\n## General/State-Specific { .section}\n\nGeneral\n\n## Document Description\\(s\\) { .section}\n\nA Business Continuity Operational Status Report provides specific detail on a company’s implementation of its Business Continuity Plan during a specific critical threat, including a disaster. The Report, which shall note the specific threat, shall include, but not be limited to, the status of its essential functions, systems, processes, and other business operations. Click here to access the Business Continuity Operational Status Report.\n\n## File Name Format { .section}\n\n`[*Company Legal Name*] Business Continuity Operational Status Report – [*Threat/Incident*] - [*As of Date \\(MM-DD-YYYY\\)*]`\n\n## Amendments { .section}\n\nAn Amendment is a change to the existing document. Existing Business Continuity Operational Status Report must be removed and replaced with the amended plan.\n\n## Does Not Include { .section}\n\nAny documents, including Policies or Procedures detailing routine business processes\n\n## Upload Location { .section}\n\nCOMPANY FILING \\(MU1\\)\n\n**Parent topic:**Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescbizcontstatrpt.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescbizcontstatrpt.md",
      "headings": [
        "Business Continuity Operational Status Report {#nmls_mu_1_3_docDescbizcontstatrpt .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Does Not Include { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescbizcontstatrpt.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescbizcontstatrpt_2.md:chunk-0",
      "title": "Business Continuity Operational Status Report {#nmls_mu_1_3_docDescbizcontstatrpt .reference}",
      "content": "# Business Continuity Operational Status Report \n\nA Business Continuity Operational Status Report provides specific detail on a company’s implementation of its Business Continuity Plan during a specific critical threat, including a disaster.\n\n## General/State-Specific { .section}\n\nGeneral\n\n## Document Description\\(s\\) { .section}\n\nA Business Continuity Operational Status Report provides specific detail on a company’s implementation of its Business Continuity Plan during a specific critical threat, including a disaster. The Report, which shall note the specific threat, shall include, but not be limited to, the status of its essential functions, systems, processes, and other business operations. Click here to access the Business Continuity Operational Status Report.\n\n## File Name Format { .section}\n\n`[*Company Legal Name*] Business Continuity Operational Status Report – [*Threat/Incident*] - [*As of Date \\(MM-DD-YYYY\\)*]`\n\n## Amendments { .section}\n\nAn Amendment is a change to the existing document. Existing Business Continuity Operational Status Report must be removed and replaced with the amended plan.\n\n## Does Not Include { .section}\n\nAny documents, including Policies or Procedures detailing routine business processes\n\n## Upload Location { .section}\n\nCOMPANY FILING \\(MU1\\)\n\n**Parent topic:**Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescbizcontstatrpt_2.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescbizcontstatrpt_2.md",
      "headings": [
        "Business Continuity Operational Status Report {#nmls_mu_1_3_docDescbizcontstatrpt .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Does Not Include { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescbizcontstatrpt_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescbizcontstatrpt_3.md:chunk-0",
      "title": "Business Continuity Operational Status Report {#nmls_mu_1_3_docDescbizcontstatrpt .reference}",
      "content": "# Business Continuity Operational Status Report \n\nA Business Continuity Operational Status Report provides specific detail on a company’s implementation of its Business Continuity Plan during a specific critical threat, including a disaster.\n\n## General/State-Specific { .section}\n\nGeneral\n\n## Document Description\\(s\\) { .section}\n\nA Business Continuity Operational Status Report provides specific detail on a company’s implementation of its Business Continuity Plan during a specific critical threat, including a disaster. The Report, which shall note the specific threat, shall include, but not be limited to, the status of its essential functions, systems, processes, and other business operations. Click here to access the Business Continuity Operational Status Report.\n\n## File Name Format { .section}\n\n`[*Company Legal Name*] Business Continuity Operational Status Report – [*Threat/Incident*] - [*As of Date \\(MM-DD-YYYY\\)*]`\n\n## Amendments { .section}\n\nAn Amendment is a change to the existing document. Existing Business Continuity Operational Status Report must be removed and replaced with the amended plan.\n\n## Does Not Include { .section}\n\nAny documents, including Policies or Procedures detailing routine business processes\n\n## Upload Location { .section}\n\nCOMPANY FILING \\(MU1\\)\n\n**Parent topic:**Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescbizcontstatrpt_3.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescbizcontstatrpt_3.md",
      "headings": [
        "Business Continuity Operational Status Report {#nmls_mu_1_3_docDescbizcontstatrpt .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Does Not Include { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescbizcontstatrpt_3.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescbizcontstatrpt_4.md:chunk-0",
      "title": "Business Continuity Operational Status Report {#nmls_mu_1_3_docDescbizcontstatrpt .reference}",
      "content": "# Business Continuity Operational Status Report \n\nA Business Continuity Operational Status Report provides specific detail on a company’s implementation of its Business Continuity Plan during a specific critical threat, including a disaster.\n\n## General/State-Specific { .section}\n\nGeneral\n\n## Document Description\\(s\\) { .section}\n\nA Business Continuity Operational Status Report provides specific detail on a company’s implementation of its Business Continuity Plan during a specific critical threat, including a disaster. The Report, which shall note the specific threat, shall include, but not be limited to, the status of its essential functions, systems, processes, and other business operations. Click here to access the Business Continuity Operational Status Report.\n\n## File Name Format { .section}\n\n`[*Company Legal Name*] Business Continuity Operational Status Report – [*Threat/Incident*] - [*As of Date \\(MM-DD-YYYY\\)*]`\n\n## Amendments { .section}\n\nAn Amendment is a change to the existing document. Existing Business Continuity Operational Status Report must be removed and replaced with the amended plan.\n\n## Does Not Include { .section}\n\nAny documents, including Policies or Procedures detailing routine business processes\n\n## Upload Location { .section}\n\nCOMPANY FILING \\(MU1\\)\n\n**Parent topic:**Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescbizcontstatrpt_4.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescbizcontstatrpt_4.md",
      "headings": [
        "Business Continuity Operational Status Report {#nmls_mu_1_3_docDescbizcontstatrpt .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Does Not Include { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescbizcontstatrpt_4.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescbizplan.md:chunk-0",
      "title": "Business Plan {#nmls_mu_1_3_docDescbizplan .reference}",
      "content": "# Business Plan \n\nA business plan outlining marketing strategies, products, target markets, fee schedule and operating structure the applicant intends to employ.\n\n## General/State-Specific { .section}\n\nGeneral\n\n## Document Description\\(s\\) { .section}\n\nA business plan outlining marketing strategies, products, target markets, fee schedule and operating structure the applicant intends to employ.\n\n## File Name Format { .section}\n\n`[*Company Legal Name*] Business Plan`\n\n## Amendments { .section}\n\nAn Amendment is a change to the existing document. Existing Business Plan must be removed and replaced with the amended business plan.\n\n## Does Not Include { .section}\n\nPolicy and Procedures, Warehouse Lines of Credit.\n\n## Upload Location { .section}\n\nCOMPANY FILING \\(MU1\\)\n\n**Parent topic:**Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescbizplan.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescbizplan.md",
      "headings": [
        "Business Plan {#nmls_mu_1_3_docDescbizplan .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Does Not Include { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescbizplan.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescbizplan_2.md:chunk-0",
      "title": "Business Plan {#nmls_mu_1_3_docDescbizplan .reference}",
      "content": "# Business Plan \n\nA business plan outlining marketing strategies, products, target markets, fee schedule and operating structure the applicant intends to employ.\n\n## General/State-Specific { .section}\n\nGeneral\n\n## Document Description\\(s\\) { .section}\n\nA business plan outlining marketing strategies, products, target markets, fee schedule and operating structure the applicant intends to employ.\n\n## File Name Format { .section}\n\n`[*Company Legal Name*] Business Plan`\n\n## Amendments { .section}\n\nAn Amendment is a change to the existing document. Existing Business Plan must be removed and replaced with the amended business plan.\n\n## Does Not Include { .section}\n\nPolicy and Procedures, Warehouse Lines of Credit.\n\n## Upload Location { .section}\n\nCOMPANY FILING \\(MU1\\)\n\n**Parent topic:**Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescbizplan_2.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescbizplan_2.md",
      "headings": [
        "Business Plan {#nmls_mu_1_3_docDescbizplan .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Does Not Include { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescbizplan_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescbizplan_3.md:chunk-0",
      "title": "Business Plan {#nmls_mu_1_3_docDescbizplan .reference}",
      "content": "# Business Plan \n\nA business plan outlining marketing strategies, products, target markets, fee schedule and operating structure the applicant intends to employ.\n\n## General/State-Specific { .section}\n\nGeneral\n\n## Document Description\\(s\\) { .section}\n\nA business plan outlining marketing strategies, products, target markets, fee schedule and operating structure the applicant intends to employ.\n\n## File Name Format { .section}\n\n`[*Company Legal Name*] Business Plan`\n\n## Amendments { .section}\n\nAn Amendment is a change to the existing document. Existing Business Plan must be removed and replaced with the amended business plan.\n\n## Does Not Include { .section}\n\nPolicy and Procedures, Warehouse Lines of Credit.\n\n## Upload Location { .section}\n\nCOMPANY FILING \\(MU1\\)\n\n**Parent topic:**Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescbizplan_3.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescbizplan_3.md",
      "headings": [
        "Business Plan {#nmls_mu_1_3_docDescbizplan .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Does Not Include { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescbizplan_3.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescbizplan_4.md:chunk-0",
      "title": "Business Plan {#nmls_mu_1_3_docDescbizplan .reference}",
      "content": "# Business Plan \n\nA business plan outlining marketing strategies, products, target markets, fee schedule and operating structure the applicant intends to employ.\n\n## General/State-Specific { .section}\n\nGeneral\n\n## Document Description\\(s\\) { .section}\n\nA business plan outlining marketing strategies, products, target markets, fee schedule and operating structure the applicant intends to employ.\n\n## File Name Format { .section}\n\n`[*Company Legal Name*] Business Plan`\n\n## Amendments { .section}\n\nAn Amendment is a change to the existing document. Existing Business Plan must be removed and replaced with the amended business plan.\n\n## Does Not Include { .section}\n\nPolicy and Procedures, Warehouse Lines of Credit.\n\n## Upload Location { .section}\n\nCOMPANY FILING \\(MU1\\)\n\n**Parent topic:**Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescbizplan_4.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescbizplan_4.md",
      "headings": [
        "Business Plan {#nmls_mu_1_3_docDescbizplan .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Does Not Include { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescbizplan_4.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescbizstaffingpolicy.md:chunk-0",
      "title": "Company Staffing and Internal Policies {#nmls_mu_1_3_docDescbizstaffingpolicy .reference}",
      "content": "# Company Staffing and Internal Policies \n\nDocument\\(s\\) shall include information on staffing and internal organizational policies and procedures.\n\n## General/State-Specific { .section}\n\nGeneral\n\n## Document Description\\(s\\) { .section}\n\nDocument\\(s\\) shall include information on staffing and internal organizational policies and procedures. If submitting multiple policies, upload and name each policy separately.\n\n## File Name Format { .section}\n\n`[*Name of Policy*]`\n\n## Amendments { .section}\n\nExisting document must be removed and replaced by new document. In the comments field, explain the change being made. Will not be processed unless old document is removed.\n\n## Examples { .section}\n\nPrivacy Policy, Employee and Operating Policies.\n\n## Does Not Include { .section}\n\nAML/BSA Policy, Résumés.\n\n## Upload Location { .section}\n\nCOMPANY FILING \\(MU1\\)\n\n**Parent topic:**Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescbizstaffingpolicy.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescbizstaffingpolicy.md",
      "headings": [
        "Company Staffing and Internal Policies {#nmls_mu_1_3_docDescbizstaffingpolicy .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Examples { .section}",
        "Does Not Include { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescbizstaffingpolicy.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescbizstaffingpolicy_2.md:chunk-0",
      "title": "Company Staffing and Internal Policies {#nmls_mu_1_3_docDescbizstaffingpolicy .reference}",
      "content": "# Company Staffing and Internal Policies \n\nDocument\\(s\\) shall include information on staffing and internal organizational policies and procedures.\n\n## General/State-Specific { .section}\n\nGeneral\n\n## Document Description\\(s\\) { .section}\n\nDocument\\(s\\) shall include information on staffing and internal organizational policies and procedures. If submitting multiple policies, upload and name each policy separately.\n\n## File Name Format { .section}\n\n`[*Name of Policy*]`\n\n## Amendments { .section}\n\nExisting document must be removed and replaced by new document. In the comments field, explain the change being made. Will not be processed unless old document is removed.\n\n## Examples { .section}\n\nPrivacy Policy, Employee and Operating Policies.\n\n## Does Not Include { .section}\n\nAML/BSA Policy, Résumés.\n\n## Upload Location { .section}\n\nCOMPANY FILING \\(MU1\\)\n\n**Parent topic:**Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescbizstaffingpolicy_2.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescbizstaffingpolicy_2.md",
      "headings": [
        "Company Staffing and Internal Policies {#nmls_mu_1_3_docDescbizstaffingpolicy .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Examples { .section}",
        "Does Not Include { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescbizstaffingpolicy_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescbizstaffingpolicy_3.md:chunk-0",
      "title": "Company Staffing and Internal Policies {#nmls_mu_1_3_docDescbizstaffingpolicy .reference}",
      "content": "# Company Staffing and Internal Policies \n\nDocument\\(s\\) shall include information on staffing and internal organizational policies and procedures.\n\n## General/State-Specific { .section}\n\nGeneral\n\n## Document Description\\(s\\) { .section}\n\nDocument\\(s\\) shall include information on staffing and internal organizational policies and procedures. If submitting multiple policies, upload and name each policy separately.\n\n## File Name Format { .section}\n\n`[*Name of Policy*]`\n\n## Amendments { .section}\n\nExisting document must be removed and replaced by new document. In the comments field, explain the change being made. Will not be processed unless old document is removed.\n\n## Examples { .section}\n\nPrivacy Policy, Employee and Operating Policies.\n\n## Does Not Include { .section}\n\nAML/BSA Policy, Résumés.\n\n## Upload Location { .section}\n\nCOMPANY FILING \\(MU1\\)\n\n**Parent topic:**Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescbizstaffingpolicy_3.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescbizstaffingpolicy_3.md",
      "headings": [
        "Company Staffing and Internal Policies {#nmls_mu_1_3_docDescbizstaffingpolicy .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Examples { .section}",
        "Does Not Include { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescbizstaffingpolicy_3.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescbizstaffingpolicy_4.md:chunk-0",
      "title": "Company Staffing and Internal Policies {#nmls_mu_1_3_docDescbizstaffingpolicy .reference}",
      "content": "# Company Staffing and Internal Policies \n\nDocument\\(s\\) shall include information on staffing and internal organizational policies and procedures.\n\n## General/State-Specific { .section}\n\nGeneral\n\n## Document Description\\(s\\) { .section}\n\nDocument\\(s\\) shall include information on staffing and internal organizational policies and procedures. If submitting multiple policies, upload and name each policy separately.\n\n## File Name Format { .section}\n\n`[*Name of Policy*]`\n\n## Amendments { .section}\n\nExisting document must be removed and replaced by new document. In the comments field, explain the change being made. Will not be processed unless old document is removed.\n\n## Examples { .section}\n\nPrivacy Policy, Employee and Operating Policies.\n\n## Does Not Include { .section}\n\nAML/BSA Policy, Résumés.\n\n## Upload Location { .section}\n\nCOMPANY FILING \\(MU1\\)\n\n**Parent topic:**Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescbizstaffingpolicy_4.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescbizstaffingpolicy_4.md",
      "headings": [
        "Company Staffing and Internal Policies {#nmls_mu_1_3_docDescbizstaffingpolicy .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Examples { .section}",
        "Does Not Include { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescbizstaffingpolicy_4.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescbranchqualempdesignate.md:chunk-0",
      "title": "Designation of Branch Qualified Employee {#nmls_mu_1_3_docDescbranchqualempdesignate .reference}",
      "content": "# Designation of Branch Qualified Employee \n\nThe Designation of Qualified Employee for the Branch location is a document required by a small number of states.\n\n## General/State-Specific { .section}\n\nState Specific\n\n## Document Description\\(s\\) { .section}\n\nDocument required by a small number of states, refer to State Licensing Checklist Compiler to determine if your license requires this document to be submitted.\n\nDesignation of Qualified Employee for the Branch location. This may be a separate individual from the Branch Manager identified in NMLS. Must include signature from company officer stating the individual has an MU2 association with the entity.\n\n## File Name Format { .section}\n\n\\[*State - License Type*\\] Branch Qualified Employee\n\n## Amendments { .section}\n\nExisting document must be removed and replaced by new document. Will not be processed unless old document is removed. Retain separate documents for each account.\n\n## Upload Location { .section}\n\nBRANCH FILING \\(MU3\\)\n\n**Parent topic:**Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescbranchqualempdesignate.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescbranchqualempdesignate.md",
      "headings": [
        "Designation of Branch Qualified Employee {#nmls_mu_1_3_docDescbranchqualempdesignate .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescbranchqualempdesignate.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescbranchqualempdesignate_2.md:chunk-0",
      "title": "Designation of Branch Qualified Employee {#nmls_mu_1_3_docDescbranchqualempdesignate .reference}",
      "content": "# Designation of Branch Qualified Employee \n\nThe Designation of Qualified Employee for the Branch location is a document required by a small number of states.\n\n## General/State-Specific { .section}\n\nState Specific\n\n## Document Description\\(s\\) { .section}\n\nDocument required by a small number of states, refer to State Licensing Checklist Compiler to determine if your license requires this document to be submitted.\n\nDesignation of Qualified Employee for the Branch location. This may be a separate individual from the Branch Manager identified in NMLS. Must include signature from company officer stating the individual has an MU2 association with the entity.\n\n## File Name Format { .section}\n\n\\[*State - License Type*\\] Branch Qualified Employee\n\n## Amendments { .section}\n\nExisting document must be removed and replaced by new document. Will not be processed unless old document is removed. Retain separate documents for each account.\n\n## Upload Location { .section}\n\nBRANCH FILING \\(MU3\\)\n\n**Parent topic:**Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescbranchqualempdesignate_2.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescbranchqualempdesignate_2.md",
      "headings": [
        "Designation of Branch Qualified Employee {#nmls_mu_1_3_docDescbranchqualempdesignate .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescbranchqualempdesignate_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescbranchqualempdesignate_3.md:chunk-0",
      "title": "Designation of Branch Qualified Employee {#nmls_mu_1_3_docDescbranchqualempdesignate .reference}",
      "content": "# Designation of Branch Qualified Employee \n\nThe Designation of Qualified Employee for the Branch location is a document required by a small number of states.\n\n## General/State-Specific { .section}\n\nState Specific\n\n## Document Description\\(s\\) { .section}\n\nDocument required by a small number of states, refer to State Licensing Checklist Compiler to determine if your license requires this document to be submitted.\n\nDesignation of Qualified Employee for the Branch location. This may be a separate individual from the Branch Manager identified in NMLS. Must include signature from company officer stating the individual has an MU2 association with the entity.\n\n## File Name Format { .section}\n\n\\[*State - License Type*\\] Branch Qualified Employee\n\n## Amendments { .section}\n\nExisting document must be removed and replaced by new document. Will not be processed unless old document is removed. Retain separate documents for each account.\n\n## Upload Location { .section}\n\nBRANCH FILING \\(MU3\\)\n\n**Parent topic:**Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescbranchqualempdesignate_3.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescbranchqualempdesignate_3.md",
      "headings": [
        "Designation of Branch Qualified Employee {#nmls_mu_1_3_docDescbranchqualempdesignate .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescbranchqualempdesignate_3.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescbranchqualempdesignate_4.md:chunk-0",
      "title": "Designation of Branch Qualified Employee {#nmls_mu_1_3_docDescbranchqualempdesignate .reference}",
      "content": "# Designation of Branch Qualified Employee \n\nThe Designation of Qualified Employee for the Branch location is a document required by a small number of states.\n\n## General/State-Specific { .section}\n\nState Specific\n\n## Document Description\\(s\\) { .section}\n\nDocument required by a small number of states, refer to State Licensing Checklist Compiler to determine if your license requires this document to be submitted.\n\nDesignation of Qualified Employee for the Branch location. This may be a separate individual from the Branch Manager identified in NMLS. Must include signature from company officer stating the individual has an MU2 association with the entity.\n\n## File Name Format { .section}\n\n\\[*State - License Type*\\] Branch Qualified Employee\n\n## Amendments { .section}\n\nExisting document must be removed and replaced by new document. Will not be processed unless old document is removed. Retain separate documents for each account.\n\n## Upload Location { .section}\n\nBRANCH FILING \\(MU3\\)\n\n**Parent topic:**Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescbranchqualempdesignate_4.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescbranchqualempdesignate_4.md",
      "headings": [
        "Designation of Branch Qualified Employee {#nmls_mu_1_3_docDescbranchqualempdesignate .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescbranchqualempdesignate_4.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescbranchwritagree.md:chunk-0",
      "title": "Branch Written Agreement {#nmls_mu_1_3_docDescbranchwritagree .reference}",
      "content": "# Branch Written Agreement \n\nThe contract between the branch manager and licensee, and the leasing agreement between the property owner and the branch, but does not include company level lease agreements.\n\n## General/State-Specific { .section}\n\nGeneral\n\n## Document Description\\(s\\) { .section}\n\nBranch Manager Document: A copy of the signed contract between the branch manager and the licensee.\n\nLeasing Agreement Documents: A copy of the signed leasing agreement between the property owner and the branch authorizing it to work out of the physical location.\n\n## File Name Format { .section}\n\nBranch Manager Document:`[*Branch NMLS ID\\#*]`\n\nBranch Manager Agreement Leasing Agreement:`[*Branch NMLS ID\\#*] Leasing Agreement`\n\n## Amendments { .section}\n\nBranch Manager Agreement: Existing Branch Manager Agreement Upload should be replaced if a New Branch Manager Agreement is entered into.\n\nLeasing Agreements: Existing Lease Agreement Upload should be replaced if a New Lease Agreement is entered into\n\n## Does Not Include { .section}\n\nCompany level lease agreements or any other type of document\n\n## Upload Location { .section}\n\nBRANCH FILING \\(MU3\\)\n\n**Parent topic:**Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescbranchwritagree.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescbranchwritagree.md",
      "headings": [
        "Branch Written Agreement {#nmls_mu_1_3_docDescbranchwritagree .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Does Not Include { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescbranchwritagree.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescbranchwritagree_2.md:chunk-0",
      "title": "Branch Written Agreement {#nmls_mu_1_3_docDescbranchwritagree .reference}",
      "content": "# Branch Written Agreement \n\nThe contract between the branch manager and licensee, and the leasing agreement between the property owner and the branch, but does not include company level lease agreements.\n\n## General/State-Specific { .section}\n\nGeneral\n\n## Document Description\\(s\\) { .section}\n\nBranch Manager Document: A copy of the signed contract between the branch manager and the licensee.\n\nLeasing Agreement Documents: A copy of the signed leasing agreement between the property owner and the branch authorizing it to work out of the physical location.\n\n## File Name Format { .section}\n\nBranch Manager Document:`[*Branch NMLS ID\\#*]`\n\nBranch Manager Agreement Leasing Agreement:`[*Branch NMLS ID\\#*] Leasing Agreement`\n\n## Amendments { .section}\n\nBranch Manager Agreement: Existing Branch Manager Agreement Upload should be replaced if a New Branch Manager Agreement is entered into.\n\nLeasing Agreements: Existing Lease Agreement Upload should be replaced if a New Lease Agreement is entered into\n\n## Does Not Include { .section}\n\nCompany level lease agreements or any other type of document\n\n## Upload Location { .section}\n\nBRANCH FILING \\(MU3\\)\n\n**Parent topic:**Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescbranchwritagree_2.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescbranchwritagree_2.md",
      "headings": [
        "Branch Written Agreement {#nmls_mu_1_3_docDescbranchwritagree .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Does Not Include { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescbranchwritagree_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescbranchwritagree_3.md:chunk-0",
      "title": "Branch Written Agreement {#nmls_mu_1_3_docDescbranchwritagree .reference}",
      "content": "# Branch Written Agreement \n\nThe contract between the branch manager and licensee, and the leasing agreement between the property owner and the branch, but does not include company level lease agreements.\n\n## General/State-Specific { .section}\n\nGeneral\n\n## Document Description\\(s\\) { .section}\n\nBranch Manager Document: A copy of the signed contract between the branch manager and the licensee.\n\nLeasing Agreement Documents: A copy of the signed leasing agreement between the property owner and the branch authorizing it to work out of the physical location.\n\n## File Name Format { .section}\n\nBranch Manager Document:`[*Branch NMLS ID\\#*]`\n\nBranch Manager Agreement Leasing Agreement:`[*Branch NMLS ID\\#*] Leasing Agreement`\n\n## Amendments { .section}\n\nBranch Manager Agreement: Existing Branch Manager Agreement Upload should be replaced if a New Branch Manager Agreement is entered into.\n\nLeasing Agreements: Existing Lease Agreement Upload should be replaced if a New Lease Agreement is entered into\n\n## Does Not Include { .section}\n\nCompany level lease agreements or any other type of document\n\n## Upload Location { .section}\n\nBRANCH FILING \\(MU3\\)\n\n**Parent topic:**Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescbranchwritagree_3.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescbranchwritagree_3.md",
      "headings": [
        "Branch Written Agreement {#nmls_mu_1_3_docDescbranchwritagree .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Does Not Include { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescbranchwritagree_3.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescbranchwritagree_4.md:chunk-0",
      "title": "Branch Written Agreement {#nmls_mu_1_3_docDescbranchwritagree .reference}",
      "content": "# Branch Written Agreement \n\nThe contract between the branch manager and licensee, and the leasing agreement between the property owner and the branch, but does not include company level lease agreements.\n\n## General/State-Specific { .section}\n\nGeneral\n\n## Document Description\\(s\\) { .section}\n\nBranch Manager Document: A copy of the signed contract between the branch manager and the licensee.\n\nLeasing Agreement Documents: A copy of the signed leasing agreement between the property owner and the branch authorizing it to work out of the physical location.\n\n## File Name Format { .section}\n\nBranch Manager Document:`[*Branch NMLS ID\\#*]`\n\nBranch Manager Agreement Leasing Agreement:`[*Branch NMLS ID\\#*] Leasing Agreement`\n\n## Amendments { .section}\n\nBranch Manager Agreement: Existing Branch Manager Agreement Upload should be replaced if a New Branch Manager Agreement is entered into.\n\nLeasing Agreements: Existing Lease Agreement Upload should be replaced if a New Lease Agreement is entered into\n\n## Does Not Include { .section}\n\nCompany level lease agreements or any other type of document\n\n## Upload Location { .section}\n\nBRANCH FILING \\(MU3\\)\n\n**Parent topic:**Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescbranchwritagree_4.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescbranchwritagree_4.md",
      "headings": [
        "Branch Written Agreement {#nmls_mu_1_3_docDescbranchwritagree .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Does Not Include { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescbranchwritagree_4.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDesccertofauthority_goodstand.md:chunk-0",
      "title": "Certificate of Authority / Good Standing {#nmls_mu_1_3_docDesccertofauthority_goodstand .reference}",
      "content": "# Certificate of Authority / Good Standing \n\nA state-issued and approved document \\(typically by the Secretary of State’s office\\), dated not more than 60 days prior to the filing of the application through NMLS that demonstrates authorization to do business.\n\n## General/State-Specific { .section}\n\nState Specific:\n\n-   Domestic State \\(state of formation\\), and\n-   State in which you are seeking licensure\n\n## Document Description\\(s\\) { .section}\n\nState-issued and approved document \\(typically by the Secretary of State’s office\\), dated not more than 60 days prior to the filing of the application through NMLS that demonstrates authorization to do business.\n\n## File Name Format { .section}\n\n`[*State prefix*] Certificate of Authority`\n\n`[*State prefix*] Certificate of Good Standing`\n\n## Amendments { .section}\n\nCertificate of Authority and Certificate of Good Standing\n\nExisting document must be removed and replaced by new document. Will not be processed unless old document is removed.\n\n## Does Not Include { .section}\n\nFormation documents\n\n## Upload Location { .section}\n\nCOMPANY FILING \\(MU1\\)\n\n**Parent topic:**Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDesccertofauthority_goodstand.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDesccertofauthority_goodstand.md",
      "headings": [
        "Certificate of Authority / Good Standing {#nmls_mu_1_3_docDesccertofauthority_goodstand .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Does Not Include { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDesccertofauthority_goodstand.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDesccertofauthority_goodstand_2.md:chunk-0",
      "title": "Certificate of Authority / Good Standing {#nmls_mu_1_3_docDesccertofauthority_goodstand .reference}",
      "content": "# Certificate of Authority / Good Standing \n\nA state-issued and approved document \\(typically by the Secretary of State’s office\\), dated not more than 60 days prior to the filing of the application through NMLS that demonstrates authorization to do business.\n\n## General/State-Specific { .section}\n\nState Specific:\n\n-   Domestic State \\(state of formation\\), and\n-   State in which you are seeking licensure\n\n## Document Description\\(s\\) { .section}\n\nState-issued and approved document \\(typically by the Secretary of State’s office\\), dated not more than 60 days prior to the filing of the application through NMLS that demonstrates authorization to do business.\n\n## File Name Format { .section}\n\n`[*State prefix*] Certificate of Authority`\n\n`[*State prefix*] Certificate of Good Standing`\n\n## Amendments { .section}\n\nCertificate of Authority and Certificate of Good Standing\n\nExisting document must be removed and replaced by new document. Will not be processed unless old document is removed.\n\n## Does Not Include { .section}\n\nFormation documents\n\n## Upload Location { .section}\n\nCOMPANY FILING \\(MU1\\)\n\n**Parent topic:**Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDesccertofauthority_goodstand_2.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDesccertofauthority_goodstand_2.md",
      "headings": [
        "Certificate of Authority / Good Standing {#nmls_mu_1_3_docDesccertofauthority_goodstand .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Does Not Include { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDesccertofauthority_goodstand_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDesccertofauthority_goodstand_3.md:chunk-0",
      "title": "Certificate of Authority / Good Standing {#nmls_mu_1_3_docDesccertofauthority_goodstand .reference}",
      "content": "# Certificate of Authority / Good Standing \n\nA state-issued and approved document \\(typically by the Secretary of State’s office\\), dated not more than 60 days prior to the filing of the application through NMLS that demonstrates authorization to do business.\n\n## General/State-Specific { .section}\n\nState Specific:\n\n-   Domestic State \\(state of formation\\), and\n-   State in which you are seeking licensure\n\n## Document Description\\(s\\) { .section}\n\nState-issued and approved document \\(typically by the Secretary of State’s office\\), dated not more than 60 days prior to the filing of the application through NMLS that demonstrates authorization to do business.\n\n## File Name Format { .section}\n\n`[*State prefix*] Certificate of Authority`\n\n`[*State prefix*] Certificate of Good Standing`\n\n## Amendments { .section}\n\nCertificate of Authority and Certificate of Good Standing\n\nExisting document must be removed and replaced by new document. Will not be processed unless old document is removed.\n\n## Does Not Include { .section}\n\nFormation documents\n\n## Upload Location { .section}\n\nCOMPANY FILING \\(MU1\\)\n\n**Parent topic:**Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDesccertofauthority_goodstand_3.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDesccertofauthority_goodstand_3.md",
      "headings": [
        "Certificate of Authority / Good Standing {#nmls_mu_1_3_docDesccertofauthority_goodstand .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Does Not Include { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDesccertofauthority_goodstand_3.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDesccertofauthority_goodstand_4.md:chunk-0",
      "title": "Certificate of Authority / Good Standing {#nmls_mu_1_3_docDesccertofauthority_goodstand .reference}",
      "content": "# Certificate of Authority / Good Standing \n\nA state-issued and approved document \\(typically by the Secretary of State’s office\\), dated not more than 60 days prior to the filing of the application through NMLS that demonstrates authorization to do business.\n\n## General/State-Specific { .section}\n\nState Specific:\n\n-   Domestic State \\(state of formation\\), and\n-   State in which you are seeking licensure\n\n## Document Description\\(s\\) { .section}\n\nState-issued and approved document \\(typically by the Secretary of State’s office\\), dated not more than 60 days prior to the filing of the application through NMLS that demonstrates authorization to do business.\n\n## File Name Format { .section}\n\n`[*State prefix*] Certificate of Authority`\n\n`[*State prefix*] Certificate of Good Standing`\n\n## Amendments { .section}\n\nCertificate of Authority and Certificate of Good Standing\n\nExisting document must be removed and replaced by new document. Will not be processed unless old document is removed.\n\n## Does Not Include { .section}\n\nFormation documents\n\n## Upload Location { .section}\n\nCOMPANY FILING \\(MU1\\)\n\n**Parent topic:**Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDesccertofauthority_goodstand_4.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDesccertofauthority_goodstand_4.md",
      "headings": [
        "Certificate of Authority / Good Standing {#nmls_mu_1_3_docDesccertofauthority_goodstand .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Does Not Include { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDesccertofauthority_goodstand_4.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescdebtmgtplan.md:chunk-0",
      "title": "Debt Management Agreement {#nmls_mu_1_3_docDescdebtmgtplan .reference}",
      "content": "# Debt Management Agreement \n\nA written contract, plan or agreement between a debt management provider and a consumer for performance of debt management services.\n\n## General/State-Specific { .section}\n\nState Specific\n\n## Document Description\\(s\\) { .section}\n\nA written contract, plan or agreement between a debt management provider and a consumer for performance of debt management services. One agreement uploaded per State.\n\n## File Name Format { .section}\n\n\\[*State prefix*\\] Debt Management Agreement\n\n## Amendments { .section}\n\nRemove existing and replace with regulator approved amended document.\n\n## Examples { .section}\n\nState law may have specific requirements\n\n## Upload Location { .section}\n\nCOMPANY FILING \\(MU1\\)\n\n**Parent topic:**Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescdebtmgtplan.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescdebtmgtplan.md",
      "headings": [
        "Debt Management Agreement {#nmls_mu_1_3_docDescdebtmgtplan .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Examples { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescdebtmgtplan.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescdebtmgtplan_2.md:chunk-0",
      "title": "Debt Management Agreement {#nmls_mu_1_3_docDescdebtmgtplan .reference}",
      "content": "# Debt Management Agreement \n\nA written contract, plan or agreement between a debt management provider and a consumer for performance of debt management services.\n\n## General/State-Specific { .section}\n\nState Specific\n\n## Document Description\\(s\\) { .section}\n\nA written contract, plan or agreement between a debt management provider and a consumer for performance of debt management services. One agreement uploaded per State.\n\n## File Name Format { .section}\n\n\\[*State prefix*\\] Debt Management Agreement\n\n## Amendments { .section}\n\nRemove existing and replace with regulator approved amended document.\n\n## Examples { .section}\n\nState law may have specific requirements\n\n## Upload Location { .section}\n\nCOMPANY FILING \\(MU1\\)\n\n**Parent topic:**Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescdebtmgtplan_2.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescdebtmgtplan_2.md",
      "headings": [
        "Debt Management Agreement {#nmls_mu_1_3_docDescdebtmgtplan .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Examples { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescdebtmgtplan_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescdebtmgtplan_3.md:chunk-0",
      "title": "Debt Management Agreement {#nmls_mu_1_3_docDescdebtmgtplan .reference}",
      "content": "# Debt Management Agreement \n\nA written contract, plan or agreement between a debt management provider and a consumer for performance of debt management services.\n\n## General/State-Specific { .section}\n\nState Specific\n\n## Document Description\\(s\\) { .section}\n\nA written contract, plan or agreement between a debt management provider and a consumer for performance of debt management services. One agreement uploaded per State.\n\n## File Name Format { .section}\n\n\\[*State prefix*\\] Debt Management Agreement\n\n## Amendments { .section}\n\nRemove existing and replace with regulator approved amended document.\n\n## Examples { .section}\n\nState law may have specific requirements\n\n## Upload Location { .section}\n\nCOMPANY FILING \\(MU1\\)\n\n**Parent topic:**Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescdebtmgtplan_3.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescdebtmgtplan_3.md",
      "headings": [
        "Debt Management Agreement {#nmls_mu_1_3_docDescdebtmgtplan .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Examples { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescdebtmgtplan_3.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescdebtmgtplan_4.md:chunk-0",
      "title": "Debt Management Agreement {#nmls_mu_1_3_docDescdebtmgtplan .reference}",
      "content": "# Debt Management Agreement \n\nA written contract, plan or agreement between a debt management provider and a consumer for performance of debt management services.\n\n## General/State-Specific { .section}\n\nState Specific\n\n## Document Description\\(s\\) { .section}\n\nA written contract, plan or agreement between a debt management provider and a consumer for performance of debt management services. One agreement uploaded per State.\n\n## File Name Format { .section}\n\n\\[*State prefix*\\] Debt Management Agreement\n\n## Amendments { .section}\n\nRemove existing and replace with regulator approved amended document.\n\n## Examples { .section}\n\nState law may have specific requirements\n\n## Upload Location { .section}\n\nCOMPANY FILING \\(MU1\\)\n\n**Parent topic:**Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescdebtmgtplan_4.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescdebtmgtplan_4.md",
      "headings": [
        "Debt Management Agreement {#nmls_mu_1_3_docDescdebtmgtplan .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Examples { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescdebtmgtplan_4.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescdocformation.md:chunk-0",
      "title": "Formation Document {#nmls_mu_1_3_docDescdocformation .reference}",
      "content": "# Formation Document \n\nA state certified copy of the corporate charter or articles of incorporation \\(if a corporation\\), or the articles of organization and operating agreement \\(if a limited liability company\\), or the partnership agreement \\(if a partnership of any form\\).\n\n## General/State-Specific { .section}\n\nGeneral\n\n## Document Description\\(s\\) { .section}\n\nState certified copy of the corporate charter or articles of incorporation \\(if a corporation\\), or the articles of organization and operating agreement \\(if a limited liability company\\), or the partnership agreement \\(if a partnership of any form\\).\n\nMust include original formation document and all subsequent amendments thereto including a list of any name changes. Include bylaws and/or governing instruments if any other legal status.\n\n## File Name Format { .section}\n\n`Formation Documentation [*Date of Creation* (MM-DD-YYYY)]`\n\n## Amendments { .section}\n\nUpload new document. DO NOT remove previously uploaded documents.\n\n## Does Not Include { .section}\n\nEntity-certified copy.\n\n## Upload Location { .section}\n\nCOMPANY FILING \\(MU1\\)\n\n**Parent topic:**Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescdocformation.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescdocformation.md",
      "headings": [
        "Formation Document {#nmls_mu_1_3_docDescdocformation .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Does Not Include { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescdocformation.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescdocformation_2.md:chunk-0",
      "title": "Formation Document {#nmls_mu_1_3_docDescdocformation .reference}",
      "content": "# Formation Document \n\nA state certified copy of the corporate charter or articles of incorporation \\(if a corporation\\), or the articles of organization and operating agreement \\(if a limited liability company\\), or the partnership agreement \\(if a partnership of any form\\).\n\n## General/State-Specific { .section}\n\nGeneral\n\n## Document Description\\(s\\) { .section}\n\nState certified copy of the corporate charter or articles of incorporation \\(if a corporation\\), or the articles of organization and operating agreement \\(if a limited liability company\\), or the partnership agreement \\(if a partnership of any form\\).\n\nMust include original formation document and all subsequent amendments thereto including a list of any name changes. Include bylaws and/or governing instruments if any other legal status.\n\n## File Name Format { .section}\n\n`Formation Documentation [*Date of Creation* (MM-DD-YYYY)]`\n\n## Amendments { .section}\n\nUpload new document. DO NOT remove previously uploaded documents.\n\n## Does Not Include { .section}\n\nEntity-certified copy.\n\n## Upload Location { .section}\n\nCOMPANY FILING \\(MU1\\)\n\n**Parent topic:**Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescdocformation_2.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescdocformation_2.md",
      "headings": [
        "Formation Document {#nmls_mu_1_3_docDescdocformation .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Does Not Include { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescdocformation_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescdocformation_3.md:chunk-0",
      "title": "Formation Document {#nmls_mu_1_3_docDescdocformation .reference}",
      "content": "# Formation Document \n\nA state certified copy of the corporate charter or articles of incorporation \\(if a corporation\\), or the articles of organization and operating agreement \\(if a limited liability company\\), or the partnership agreement \\(if a partnership of any form\\).\n\n## General/State-Specific { .section}\n\nGeneral\n\n## Document Description\\(s\\) { .section}\n\nState certified copy of the corporate charter or articles of incorporation \\(if a corporation\\), or the articles of organization and operating agreement \\(if a limited liability company\\), or the partnership agreement \\(if a partnership of any form\\).\n\nMust include original formation document and all subsequent amendments thereto including a list of any name changes. Include bylaws and/or governing instruments if any other legal status.\n\n## File Name Format { .section}\n\n`Formation Documentation [*Date of Creation* (MM-DD-YYYY)]`\n\n## Amendments { .section}\n\nUpload new document. DO NOT remove previously uploaded documents.\n\n## Does Not Include { .section}\n\nEntity-certified copy.\n\n## Upload Location { .section}\n\nCOMPANY FILING \\(MU1\\)\n\n**Parent topic:**Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescdocformation_3.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescdocformation_3.md",
      "headings": [
        "Formation Document {#nmls_mu_1_3_docDescdocformation .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Does Not Include { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescdocformation_3.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescdocformation_4.md:chunk-0",
      "title": "Formation Document {#nmls_mu_1_3_docDescdocformation .reference}",
      "content": "# Formation Document \n\nA state certified copy of the corporate charter or articles of incorporation \\(if a corporation\\), or the articles of organization and operating agreement \\(if a limited liability company\\), or the partnership agreement \\(if a partnership of any form\\).\n\n## General/State-Specific { .section}\n\nGeneral\n\n## Document Description\\(s\\) { .section}\n\nState certified copy of the corporate charter or articles of incorporation \\(if a corporation\\), or the articles of organization and operating agreement \\(if a limited liability company\\), or the partnership agreement \\(if a partnership of any form\\).\n\nMust include original formation document and all subsequent amendments thereto including a list of any name changes. Include bylaws and/or governing instruments if any other legal status.\n\n## File Name Format { .section}\n\n`Formation Documentation [*Date of Creation* (MM-DD-YYYY)]`\n\n## Amendments { .section}\n\nUpload new document. DO NOT remove previously uploaded documents.\n\n## Does Not Include { .section}\n\nEntity-certified copy.\n\n## Upload Location { .section}\n\nCOMPANY FILING \\(MU1\\)\n\n**Parent topic:**Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescdocformation_4.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescdocformation_4.md",
      "headings": [
        "Formation Document {#nmls_mu_1_3_docDescdocformation .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Does Not Include { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescdocformation_4.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescdocsamples.md:chunk-0",
      "title": "Document Samples {#nmls_mu_1_3_docDescdocsamples .reference}",
      "content": "# Document Samples \n\nCopies of sample documents, contracts and agreements used in the regular course of business. This does not include Debt Management Agreements, Mortgage Servicing Agreements, Policies and Procedures or any document that contains a date of birth \\(DOB\\) or social security number \\(SSN\\).\n\n## General/State-Specific { .section}\n\nState Specific\n\n## Document Description\\(s\\) { .section}\n\nCopies of sample documents, contracts and agreements used in the regular course of business. Refer to State Licensing Checklist Compiler for documents required by the states you are licensed in. This document type shall not be used for anything beyond the specified sample document types.\n\n## File Name Format { .section}\n\n`[*Name of Document Sample*]`\n\n## Amendments { .section}\n\nExisting document must be removed and replaced by new document. Will not be processed unless old document is removed.\n\n## Does Not Include { .section}\n\nDebt Management Agreements, Mortgage Servicing Agreements, Policies and Procedures. Any document that contains a DOB or SSN.\n\n## Upload Location { .section}\n\nCOMPANY FILING \\(MU1\\)\n\n**Parent topic:**Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescdocsamples.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescdocsamples.md",
      "headings": [
        "Document Samples {#nmls_mu_1_3_docDescdocsamples .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Does Not Include { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescdocsamples.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescdocsamples_2.md:chunk-0",
      "title": "Document Samples {#nmls_mu_1_3_docDescdocsamples .reference}",
      "content": "# Document Samples \n\nCopies of sample documents, contracts and agreements used in the regular course of business. This does not include Debt Management Agreements, Mortgage Servicing Agreements, Policies and Procedures or any document that contains a date of birth \\(DOB\\) or social security number \\(SSN\\).\n\n## General/State-Specific { .section}\n\nState Specific\n\n## Document Description\\(s\\) { .section}\n\nCopies of sample documents, contracts and agreements used in the regular course of business. Refer to State Licensing Checklist Compiler for documents required by the states you are licensed in. This document type shall not be used for anything beyond the specified sample document types.\n\n## File Name Format { .section}\n\n`[*Name of Document Sample*]`\n\n## Amendments { .section}\n\nExisting document must be removed and replaced by new document. Will not be processed unless old document is removed.\n\n## Does Not Include { .section}\n\nDebt Management Agreements, Mortgage Servicing Agreements, Policies and Procedures. Any document that contains a DOB or SSN.\n\n## Upload Location { .section}\n\nCOMPANY FILING \\(MU1\\)\n\n**Parent topic:**Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescdocsamples_2.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescdocsamples_2.md",
      "headings": [
        "Document Samples {#nmls_mu_1_3_docDescdocsamples .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Does Not Include { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescdocsamples_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescdocsamples_3.md:chunk-0",
      "title": "Document Samples {#nmls_mu_1_3_docDescdocsamples .reference}",
      "content": "# Document Samples \n\nCopies of sample documents, contracts and agreements used in the regular course of business. This does not include Debt Management Agreements, Mortgage Servicing Agreements, Policies and Procedures or any document that contains a date of birth \\(DOB\\) or social security number \\(SSN\\).\n\n## General/State-Specific { .section}\n\nState Specific\n\n## Document Description\\(s\\) { .section}\n\nCopies of sample documents, contracts and agreements used in the regular course of business. Refer to State Licensing Checklist Compiler for documents required by the states you are licensed in. This document type shall not be used for anything beyond the specified sample document types.\n\n## File Name Format { .section}\n\n`[*Name of Document Sample*]`\n\n## Amendments { .section}\n\nExisting document must be removed and replaced by new document. Will not be processed unless old document is removed.\n\n## Does Not Include { .section}\n\nDebt Management Agreements, Mortgage Servicing Agreements, Policies and Procedures. Any document that contains a DOB or SSN.\n\n## Upload Location { .section}\n\nCOMPANY FILING \\(MU1\\)\n\n**Parent topic:**Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescdocsamples_3.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescdocsamples_3.md",
      "headings": [
        "Document Samples {#nmls_mu_1_3_docDescdocsamples .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Does Not Include { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescdocsamples_3.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescdocsamples_4.md:chunk-0",
      "title": "Document Samples {#nmls_mu_1_3_docDescdocsamples .reference}",
      "content": "# Document Samples \n\nCopies of sample documents, contracts and agreements used in the regular course of business. This does not include Debt Management Agreements, Mortgage Servicing Agreements, Policies and Procedures or any document that contains a date of birth \\(DOB\\) or social security number \\(SSN\\).\n\n## General/State-Specific { .section}\n\nState Specific\n\n## Document Description\\(s\\) { .section}\n\nCopies of sample documents, contracts and agreements used in the regular course of business. Refer to State Licensing Checklist Compiler for documents required by the states you are licensed in. This document type shall not be used for anything beyond the specified sample document types.\n\n## File Name Format { .section}\n\n`[*Name of Document Sample*]`\n\n## Amendments { .section}\n\nExisting document must be removed and replaced by new document. Will not be processed unless old document is removed.\n\n## Does Not Include { .section}\n\nDebt Management Agreements, Mortgage Servicing Agreements, Policies and Procedures. Any document that contains a DOB or SSN.\n\n## Upload Location { .section}\n\nCOMPANY FILING \\(MU1\\)\n\n**Parent topic:**Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescdocsamples_4.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescdocsamples_4.md",
      "headings": [
        "Document Samples {#nmls_mu_1_3_docDescdocsamples .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Does Not Include { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescdocsamples_4.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescerrorsomissionsins.md:chunk-0",
      "title": "Errors and Omissions \\(Insurance Policy\\) {#nmls_mu_1_3_docDescerrorsomissionsins .reference}",
      "content": "# Errors and Omissions \\(Insurance Policy\\) \n\nUpload proof of errors and omissions insurance protecting the applicant from liability arising from a negligent act, error or omission in the performance of professional service. If applicable, include power of attorney \\(POA\\).\n\n## General/State-Specific { .section}\n\nGeneral\n\n## Document Description\\(s\\) { .section}\n\nUpload proof of errors and omissions insurance protecting the applicant from liability arising from a negligent act, error or omission in the performance of professional service. If applicable, include power of attorney \\(POA\\).\n\n## File Name Format { .section}\n\nErrors and Omissions Insurance\n\n## Amendments { .section}\n\nExisting document must be removed and replaced by new document. Will not be processed unless old document is removed.\n\n## Upload Location { .section}\n\nCOMPANY FILING \\(MU1\\)\n\n**Parent topic:**Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescerrorsomissionsins.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescerrorsomissionsins.md",
      "headings": [
        "Errors and Omissions \\(Insurance Policy\\) {#nmls_mu_1_3_docDescerrorsomissionsins .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescerrorsomissionsins.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescerrorsomissionsins_2.md:chunk-0",
      "title": "Errors and Omissions \\(Insurance Policy\\) {#nmls_mu_1_3_docDescerrorsomissionsins .reference}",
      "content": "# Errors and Omissions \\(Insurance Policy\\) \n\nUpload proof of errors and omissions insurance protecting the applicant from liability arising from a negligent act, error or omission in the performance of professional service. If applicable, include power of attorney \\(POA\\).\n\n## General/State-Specific { .section}\n\nGeneral\n\n## Document Description\\(s\\) { .section}\n\nUpload proof of errors and omissions insurance protecting the applicant from liability arising from a negligent act, error or omission in the performance of professional service. If applicable, include power of attorney \\(POA\\).\n\n## File Name Format { .section}\n\nErrors and Omissions Insurance\n\n## Amendments { .section}\n\nExisting document must be removed and replaced by new document. Will not be processed unless old document is removed.\n\n## Upload Location { .section}\n\nCOMPANY FILING \\(MU1\\)\n\n**Parent topic:**Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescerrorsomissionsins_2.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescerrorsomissionsins_2.md",
      "headings": [
        "Errors and Omissions \\(Insurance Policy\\) {#nmls_mu_1_3_docDescerrorsomissionsins .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescerrorsomissionsins_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescerrorsomissionsins_3.md:chunk-0",
      "title": "Errors and Omissions \\(Insurance Policy\\) {#nmls_mu_1_3_docDescerrorsomissionsins .reference}",
      "content": "# Errors and Omissions \\(Insurance Policy\\) \n\nUpload proof of errors and omissions insurance protecting the applicant from liability arising from a negligent act, error or omission in the performance of professional service. If applicable, include power of attorney \\(POA\\).\n\n## General/State-Specific { .section}\n\nGeneral\n\n## Document Description\\(s\\) { .section}\n\nUpload proof of errors and omissions insurance protecting the applicant from liability arising from a negligent act, error or omission in the performance of professional service. If applicable, include power of attorney \\(POA\\).\n\n## File Name Format { .section}\n\nErrors and Omissions Insurance\n\n## Amendments { .section}\n\nExisting document must be removed and replaced by new document. Will not be processed unless old document is removed.\n\n## Upload Location { .section}\n\nCOMPANY FILING \\(MU1\\)\n\n**Parent topic:**Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescerrorsomissionsins_3.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescerrorsomissionsins_3.md",
      "headings": [
        "Errors and Omissions \\(Insurance Policy\\) {#nmls_mu_1_3_docDescerrorsomissionsins .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescerrorsomissionsins_3.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescerrorsomissionsins_4.md:chunk-0",
      "title": "Errors and Omissions \\(Insurance Policy\\) {#nmls_mu_1_3_docDescerrorsomissionsins .reference}",
      "content": "# Errors and Omissions \\(Insurance Policy\\) \n\nUpload proof of errors and omissions insurance protecting the applicant from liability arising from a negligent act, error or omission in the performance of professional service. If applicable, include power of attorney \\(POA\\).\n\n## General/State-Specific { .section}\n\nGeneral\n\n## Document Description\\(s\\) { .section}\n\nUpload proof of errors and omissions insurance protecting the applicant from liability arising from a negligent act, error or omission in the performance of professional service. If applicable, include power of attorney \\(POA\\).\n\n## File Name Format { .section}\n\nErrors and Omissions Insurance\n\n## Amendments { .section}\n\nExisting document must be removed and replaced by new document. Will not be processed unless old document is removed.\n\n## Upload Location { .section}\n\nCOMPANY FILING \\(MU1\\)\n\n**Parent topic:**Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescerrorsomissionsins_4.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescerrorsomissionsins_4.md",
      "headings": [
        "Errors and Omissions \\(Insurance Policy\\) {#nmls_mu_1_3_docDescerrorsomissionsins .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescerrorsomissionsins_4.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescfidelitybond.md:chunk-0",
      "title": "Fidelity Bond {#nmls_mu_1_3_docDescfidelitybond .reference}",
      "content": "# Fidelity Bond \n\nUpload a fidelity bond in the amount required by the applicable State. The name of the principal insured on the bond must exactly match the Full Legal Name of the applicant.\n\n## General/State-Specific { .section}\n\nState Specific\n\n## Document Description\\(s\\) { .section}\n\nUpload a fidelity bond in the amount required by the applicable State. The name of the principal insured on the bond must exactly match the Full Legal Name of the applicant. If applicable, include power of attorney \\(POA\\).\n\n## File Name Format { .section}\n\nFidelity Bond\n\n## Amendments { .section}\n\nExisting document must be removed and replaced by new document. Will not be processed unless old document is removed.\n\n## Upload Location { .section}\n\nCOMPANY FILING \\(MU1\\)\n\n**Parent topic:**Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescfidelitybond.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescfidelitybond.md",
      "headings": [
        "Fidelity Bond {#nmls_mu_1_3_docDescfidelitybond .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescfidelitybond.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescfidelitybond_2.md:chunk-0",
      "title": "Fidelity Bond {#nmls_mu_1_3_docDescfidelitybond .reference}",
      "content": "# Fidelity Bond \n\nUpload a fidelity bond in the amount required by the applicable State. The name of the principal insured on the bond must exactly match the Full Legal Name of the applicant.\n\n## General/State-Specific { .section}\n\nState Specific\n\n## Document Description\\(s\\) { .section}\n\nUpload a fidelity bond in the amount required by the applicable State. The name of the principal insured on the bond must exactly match the Full Legal Name of the applicant. If applicable, include power of attorney \\(POA\\).\n\n## File Name Format { .section}\n\nFidelity Bond\n\n## Amendments { .section}\n\nExisting document must be removed and replaced by new document. Will not be processed unless old document is removed.\n\n## Upload Location { .section}\n\nCOMPANY FILING \\(MU1\\)\n\n**Parent topic:**Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescfidelitybond_2.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescfidelitybond_2.md",
      "headings": [
        "Fidelity Bond {#nmls_mu_1_3_docDescfidelitybond .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescfidelitybond_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescfidelitybond_3.md:chunk-0",
      "title": "Fidelity Bond {#nmls_mu_1_3_docDescfidelitybond .reference}",
      "content": "# Fidelity Bond \n\nUpload a fidelity bond in the amount required by the applicable State. The name of the principal insured on the bond must exactly match the Full Legal Name of the applicant.\n\n## General/State-Specific { .section}\n\nState Specific\n\n## Document Description\\(s\\) { .section}\n\nUpload a fidelity bond in the amount required by the applicable State. The name of the principal insured on the bond must exactly match the Full Legal Name of the applicant. If applicable, include power of attorney \\(POA\\).\n\n## File Name Format { .section}\n\nFidelity Bond\n\n## Amendments { .section}\n\nExisting document must be removed and replaced by new document. Will not be processed unless old document is removed.\n\n## Upload Location { .section}\n\nCOMPANY FILING \\(MU1\\)\n\n**Parent topic:**Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescfidelitybond_3.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescfidelitybond_3.md",
      "headings": [
        "Fidelity Bond {#nmls_mu_1_3_docDescfidelitybond .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescfidelitybond_3.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescfidelitybond_4.md:chunk-0",
      "title": "Fidelity Bond {#nmls_mu_1_3_docDescfidelitybond .reference}",
      "content": "# Fidelity Bond \n\nUpload a fidelity bond in the amount required by the applicable State. The name of the principal insured on the bond must exactly match the Full Legal Name of the applicant.\n\n## General/State-Specific { .section}\n\nState Specific\n\n## Document Description\\(s\\) { .section}\n\nUpload a fidelity bond in the amount required by the applicable State. The name of the principal insured on the bond must exactly match the Full Legal Name of the applicant. If applicable, include power of attorney \\(POA\\).\n\n## File Name Format { .section}\n\nFidelity Bond\n\n## Amendments { .section}\n\nExisting document must be removed and replaced by new document. Will not be processed unless old document is removed.\n\n## Upload Location { .section}\n\nCOMPANY FILING \\(MU1\\)\n\n**Parent topic:**Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescfidelitybond_4.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescfidelitybond_4.md",
      "headings": [
        "Fidelity Bond {#nmls_mu_1_3_docDescfidelitybond .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescfidelitybond_4.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescfundflowstructure.md:chunk-0",
      "title": "Flow of Funds Structure {#nmls_mu_1_3_docDescfundflowstructure .reference}",
      "content": "# Flow of Funds Structure \n\nThis document is only required by a small number of states providing a description of each type of transaction or service to be conducted.\n\n## General/State-Specific { .section}\n\nGeneral\n\n## Document Description\\(s\\) { .section}\n\nDocument required by a small number of states, refer to State Licensing Checklist Compiler to determine if your license requires this document to be submitted.\n\nProvide description of each type of transaction or service to be conducted. For each type, describe each step starting with the first encounter with the consumer and ending at the completion of the transaction when money is received by the beneficiary.\n\n## File Name Format { .section}\n\nFlow of Funds Structure\n\n## Amendments { .section}\n\nExisting document must be removed and replaced by new document. Will not be processed unless old document is removed.\n\n## Upload Location { .section}\n\nCOMPANY FILING \\(MU1\\)\n\n**Parent topic:**Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescfundflowstructure.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescfundflowstructure.md",
      "headings": [
        "Flow of Funds Structure {#nmls_mu_1_3_docDescfundflowstructure .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescfundflowstructure.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescfundflowstructure_2.md:chunk-0",
      "title": "Flow of Funds Structure {#nmls_mu_1_3_docDescfundflowstructure .reference}",
      "content": "# Flow of Funds Structure \n\nThis document is only required by a small number of states providing a description of each type of transaction or service to be conducted.\n\n## General/State-Specific { .section}\n\nGeneral\n\n## Document Description\\(s\\) { .section}\n\nDocument required by a small number of states, refer to State Licensing Checklist Compiler to determine if your license requires this document to be submitted.\n\nProvide description of each type of transaction or service to be conducted. For each type, describe each step starting with the first encounter with the consumer and ending at the completion of the transaction when money is received by the beneficiary.\n\n## File Name Format { .section}\n\nFlow of Funds Structure\n\n## Amendments { .section}\n\nExisting document must be removed and replaced by new document. Will not be processed unless old document is removed.\n\n## Upload Location { .section}\n\nCOMPANY FILING \\(MU1\\)\n\n**Parent topic:**Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescfundflowstructure_2.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescfundflowstructure_2.md",
      "headings": [
        "Flow of Funds Structure {#nmls_mu_1_3_docDescfundflowstructure .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescfundflowstructure_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescfundflowstructure_3.md:chunk-0",
      "title": "Flow of Funds Structure {#nmls_mu_1_3_docDescfundflowstructure .reference}",
      "content": "# Flow of Funds Structure \n\nThis document is only required by a small number of states providing a description of each type of transaction or service to be conducted.\n\n## General/State-Specific { .section}\n\nGeneral\n\n## Document Description\\(s\\) { .section}\n\nDocument required by a small number of states, refer to State Licensing Checklist Compiler to determine if your license requires this document to be submitted.\n\nProvide description of each type of transaction or service to be conducted. For each type, describe each step starting with the first encounter with the consumer and ending at the completion of the transaction when money is received by the beneficiary.\n\n## File Name Format { .section}\n\nFlow of Funds Structure\n\n## Amendments { .section}\n\nExisting document must be removed and replaced by new document. Will not be processed unless old document is removed.\n\n## Upload Location { .section}\n\nCOMPANY FILING \\(MU1\\)\n\n**Parent topic:**Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescfundflowstructure_3.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescfundflowstructure_3.md",
      "headings": [
        "Flow of Funds Structure {#nmls_mu_1_3_docDescfundflowstructure .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescfundflowstructure_3.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescfundflowstructure_4.md:chunk-0",
      "title": "Flow of Funds Structure {#nmls_mu_1_3_docDescfundflowstructure .reference}",
      "content": "# Flow of Funds Structure \n\nThis document is only required by a small number of states providing a description of each type of transaction or service to be conducted.\n\n## General/State-Specific { .section}\n\nGeneral\n\n## Document Description\\(s\\) { .section}\n\nDocument required by a small number of states, refer to State Licensing Checklist Compiler to determine if your license requires this document to be submitted.\n\nProvide description of each type of transaction or service to be conducted. For each type, describe each step starting with the first encounter with the consumer and ending at the completion of the transaction when money is received by the beneficiary.\n\n## File Name Format { .section}\n\nFlow of Funds Structure\n\n## Amendments { .section}\n\nExisting document must be removed and replaced by new document. Will not be processed unless old document is removed.\n\n## Upload Location { .section}\n\nCOMPANY FILING \\(MU1\\)\n\n**Parent topic:**Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescfundflowstructure_4.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescfundflowstructure_4.md",
      "headings": [
        "Flow of Funds Structure {#nmls_mu_1_3_docDescfundflowstructure .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescfundflowstructure_4.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescmgtchart.md:chunk-0",
      "title": "Management Chart {#nmls_mu_1_3_docDescmgtchart .reference}",
      "content": "# Management Chart \n\nThe management chart displays the applicant’s directors, officers, and managers \\(individual name and title\\) and identifies the compliance reporting and internal audit structure.\n\n## General/State-Specific { .section}\n\nGeneral\n\n## Document Description\\(s\\) { .section}\n\nManagement chart displaying the applicant’s directors, officers, and managers \\(individual name and title\\). Must also identify compliance reporting and internal audit structure.\n\n## File Name Format { .section}\n\n`[*Company Legal Name*] Management Chart`\n\n## Amendments { .section}\n\nMust be replaced when management personnel is adjusted. Existing document must be removed and replaced by new document. Will not be processed unless old document is removed.\n\n## Does Not Include { .section}\n\nOrganizational Structure Chart, Business Plan.\n\n## Upload Location { .section}\n\nCOMPANY FILING \\(MU1\\)\n\n**Parent topic:**Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescmgtchart.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescmgtchart.md",
      "headings": [
        "Management Chart {#nmls_mu_1_3_docDescmgtchart .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Does Not Include { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescmgtchart.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescmgtchart_2.md:chunk-0",
      "title": "Management Chart {#nmls_mu_1_3_docDescmgtchart .reference}",
      "content": "# Management Chart \n\nThe management chart displays the applicant’s directors, officers, and managers \\(individual name and title\\) and identifies the compliance reporting and internal audit structure.\n\n## General/State-Specific { .section}\n\nGeneral\n\n## Document Description\\(s\\) { .section}\n\nManagement chart displaying the applicant’s directors, officers, and managers \\(individual name and title\\). Must also identify compliance reporting and internal audit structure.\n\n## File Name Format { .section}\n\n`[*Company Legal Name*] Management Chart`\n\n## Amendments { .section}\n\nMust be replaced when management personnel is adjusted. Existing document must be removed and replaced by new document. Will not be processed unless old document is removed.\n\n## Does Not Include { .section}\n\nOrganizational Structure Chart, Business Plan.\n\n## Upload Location { .section}\n\nCOMPANY FILING \\(MU1\\)\n\n**Parent topic:**Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescmgtchart_2.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescmgtchart_2.md",
      "headings": [
        "Management Chart {#nmls_mu_1_3_docDescmgtchart .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Does Not Include { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescmgtchart_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescmgtchart_3.md:chunk-0",
      "title": "Management Chart {#nmls_mu_1_3_docDescmgtchart .reference}",
      "content": "# Management Chart \n\nThe management chart displays the applicant’s directors, officers, and managers \\(individual name and title\\) and identifies the compliance reporting and internal audit structure.\n\n## General/State-Specific { .section}\n\nGeneral\n\n## Document Description\\(s\\) { .section}\n\nManagement chart displaying the applicant’s directors, officers, and managers \\(individual name and title\\). Must also identify compliance reporting and internal audit structure.\n\n## File Name Format { .section}\n\n`[*Company Legal Name*] Management Chart`\n\n## Amendments { .section}\n\nMust be replaced when management personnel is adjusted. Existing document must be removed and replaced by new document. Will not be processed unless old document is removed.\n\n## Does Not Include { .section}\n\nOrganizational Structure Chart, Business Plan.\n\n## Upload Location { .section}\n\nCOMPANY FILING \\(MU1\\)\n\n**Parent topic:**Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescmgtchart_3.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescmgtchart_3.md",
      "headings": [
        "Management Chart {#nmls_mu_1_3_docDescmgtchart .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Does Not Include { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescmgtchart_3.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescmgtchart_4.md:chunk-0",
      "title": "Management Chart {#nmls_mu_1_3_docDescmgtchart .reference}",
      "content": "# Management Chart \n\nThe management chart displays the applicant’s directors, officers, and managers \\(individual name and title\\) and identifies the compliance reporting and internal audit structure.\n\n## General/State-Specific { .section}\n\nGeneral\n\n## Document Description\\(s\\) { .section}\n\nManagement chart displaying the applicant’s directors, officers, and managers \\(individual name and title\\). Must also identify compliance reporting and internal audit structure.\n\n## File Name Format { .section}\n\n`[*Company Legal Name*] Management Chart`\n\n## Amendments { .section}\n\nMust be replaced when management personnel is adjusted. Existing document must be removed and replaced by new document. Will not be processed unless old document is removed.\n\n## Does Not Include { .section}\n\nOrganizational Structure Chart, Business Plan.\n\n## Upload Location { .section}\n\nCOMPANY FILING \\(MU1\\)\n\n**Parent topic:**Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescmgtchart_4.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescmgtchart_4.md",
      "headings": [
        "Management Chart {#nmls_mu_1_3_docDescmgtchart .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Does Not Include { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescmgtchart_4.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescmortgagesvcagree.md:chunk-0",
      "title": "Mortgage Servicing Agreement {#nmls_mu_1_3_docDescmortgagesvcagree .reference}",
      "content": "# Mortgage Servicing Agreement \n\nAny written agreement or contract related to mortgage servicing rights.\n\n## General/State-Specific { .section}\n\nGeneral\n\n## Document Description\\(s\\) { .section}\n\nUpload a copy of any written agreement or contract related to mortgage servicing rights.\n\n## File Name Format { .section}\n\n`[*Servicing Company Name*] Mortgage Servicing Agreement`\n\n## Amendments { .section}\n\nAdd new active agreements and remove terminated or expired \\(inactive\\) agreements.\n\n## Upload Location { .section}\n\nCOMPANY FILING \\(MU1\\)\n\n**Parent topic:**Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescmortgagesvcagree.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescmortgagesvcagree.md",
      "headings": [
        "Mortgage Servicing Agreement {#nmls_mu_1_3_docDescmortgagesvcagree .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescmortgagesvcagree.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescmortgagesvcagree_2.md:chunk-0",
      "title": "Mortgage Servicing Agreement {#nmls_mu_1_3_docDescmortgagesvcagree .reference}",
      "content": "# Mortgage Servicing Agreement \n\nAny written agreement or contract related to mortgage servicing rights.\n\n## General/State-Specific { .section}\n\nGeneral\n\n## Document Description\\(s\\) { .section}\n\nUpload a copy of any written agreement or contract related to mortgage servicing rights.\n\n## File Name Format { .section}\n\n`[*Servicing Company Name*] Mortgage Servicing Agreement`\n\n## Amendments { .section}\n\nAdd new active agreements and remove terminated or expired \\(inactive\\) agreements.\n\n## Upload Location { .section}\n\nCOMPANY FILING \\(MU1\\)\n\n**Parent topic:**Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescmortgagesvcagree_2.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescmortgagesvcagree_2.md",
      "headings": [
        "Mortgage Servicing Agreement {#nmls_mu_1_3_docDescmortgagesvcagree .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescmortgagesvcagree_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescmortgagesvcagree_3.md:chunk-0",
      "title": "Mortgage Servicing Agreement {#nmls_mu_1_3_docDescmortgagesvcagree .reference}",
      "content": "# Mortgage Servicing Agreement \n\nAny written agreement or contract related to mortgage servicing rights.\n\n## General/State-Specific { .section}\n\nGeneral\n\n## Document Description\\(s\\) { .section}\n\nUpload a copy of any written agreement or contract related to mortgage servicing rights.\n\n## File Name Format { .section}\n\n`[*Servicing Company Name*] Mortgage Servicing Agreement`\n\n## Amendments { .section}\n\nAdd new active agreements and remove terminated or expired \\(inactive\\) agreements.\n\n## Upload Location { .section}\n\nCOMPANY FILING \\(MU1\\)\n\n**Parent topic:**Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescmortgagesvcagree_3.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescmortgagesvcagree_3.md",
      "headings": [
        "Mortgage Servicing Agreement {#nmls_mu_1_3_docDescmortgagesvcagree .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescmortgagesvcagree_3.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescmortgagesvcagree_4.md:chunk-0",
      "title": "Mortgage Servicing Agreement {#nmls_mu_1_3_docDescmortgagesvcagree .reference}",
      "content": "# Mortgage Servicing Agreement \n\nAny written agreement or contract related to mortgage servicing rights.\n\n## General/State-Specific { .section}\n\nGeneral\n\n## Document Description\\(s\\) { .section}\n\nUpload a copy of any written agreement or contract related to mortgage servicing rights.\n\n## File Name Format { .section}\n\n`[*Servicing Company Name*] Mortgage Servicing Agreement`\n\n## Amendments { .section}\n\nAdd new active agreements and remove terminated or expired \\(inactive\\) agreements.\n\n## Upload Location { .section}\n\nCOMPANY FILING \\(MU1\\)\n\n**Parent topic:**Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescmortgagesvcagree_4.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescmortgagesvcagree_4.md",
      "headings": [
        "Mortgage Servicing Agreement {#nmls_mu_1_3_docDescmortgagesvcagree .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescmortgagesvcagree_4.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescorgchart.md:chunk-0",
      "title": "Organizational Chart/Description {#nmls_mu_1_3_docDescorgchart .reference}",
      "content": "# Organizational Chart/Description \n\nA chart showing the ownership percentages of direct and indirect owners, affiliates, and subsidiaries.\n\n## General/State-Specific { .section}\n\nGeneral\n\n## Document Description\\(s\\) { .section}\n\nChart showing \\(or a description which includes\\) the percentage of ownership of:\n\n-   Direct Owners \\(total direct ownership percentage must equate to 100%\\)\n-   Indirect Owners\n-   Subsidiaries and Affiliates of the applicant/licensee\n\n## File Name Format { .section}\n\n`[*Company Legal Name*] Organizational Chart - Description`\n\n## Amendments { .section}\n\nMust be replaced for any change in structure or ownership interest. Existing document must be removed and replaced by new document. Will not be processed unless old document is removed.\n\n## Does Not Include { .section}\n\nManagement Chart, Business Plan\n\n## Upload Location { .section}\n\nCOMPANY FILING \\(MU1\\)\n\n**Parent topic:**Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescorgchart.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescorgchart.md",
      "headings": [
        "Organizational Chart/Description {#nmls_mu_1_3_docDescorgchart .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Does Not Include { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescorgchart.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescorgchart_2.md:chunk-0",
      "title": "Organizational Chart/Description {#nmls_mu_1_3_docDescorgchart .reference}",
      "content": "# Organizational Chart/Description \n\nA chart showing the ownership percentages of direct and indirect owners, affiliates, and subsidiaries.\n\n## General/State-Specific { .section}\n\nGeneral\n\n## Document Description\\(s\\) { .section}\n\nChart showing \\(or a description which includes\\) the percentage of ownership of:\n\n-   Direct Owners \\(total direct ownership percentage must equate to 100%\\)\n-   Indirect Owners\n-   Subsidiaries and Affiliates of the applicant/licensee\n\n## File Name Format { .section}\n\n`[*Company Legal Name*] Organizational Chart - Description`\n\n## Amendments { .section}\n\nMust be replaced for any change in structure or ownership interest. Existing document must be removed and replaced by new document. Will not be processed unless old document is removed.\n\n## Does Not Include { .section}\n\nManagement Chart, Business Plan\n\n## Upload Location { .section}\n\nCOMPANY FILING \\(MU1\\)\n\n**Parent topic:**Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescorgchart_2.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescorgchart_2.md",
      "headings": [
        "Organizational Chart/Description {#nmls_mu_1_3_docDescorgchart .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Does Not Include { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescorgchart_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescorgchart_3.md:chunk-0",
      "title": "Organizational Chart/Description {#nmls_mu_1_3_docDescorgchart .reference}",
      "content": "# Organizational Chart/Description \n\nA chart showing the ownership percentages of direct and indirect owners, affiliates, and subsidiaries.\n\n## General/State-Specific { .section}\n\nGeneral\n\n## Document Description\\(s\\) { .section}\n\nChart showing \\(or a description which includes\\) the percentage of ownership of:\n\n-   Direct Owners \\(total direct ownership percentage must equate to 100%\\)\n-   Indirect Owners\n-   Subsidiaries and Affiliates of the applicant/licensee\n\n## File Name Format { .section}\n\n`[*Company Legal Name*] Organizational Chart - Description`\n\n## Amendments { .section}\n\nMust be replaced for any change in structure or ownership interest. Existing document must be removed and replaced by new document. Will not be processed unless old document is removed.\n\n## Does Not Include { .section}\n\nManagement Chart, Business Plan\n\n## Upload Location { .section}\n\nCOMPANY FILING \\(MU1\\)\n\n**Parent topic:**Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescorgchart_3.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescorgchart_3.md",
      "headings": [
        "Organizational Chart/Description {#nmls_mu_1_3_docDescorgchart .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Does Not Include { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescorgchart_3.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescorgchart_4.md:chunk-0",
      "title": "Organizational Chart/Description {#nmls_mu_1_3_docDescorgchart .reference}",
      "content": "# Organizational Chart/Description \n\nA chart showing the ownership percentages of direct and indirect owners, affiliates, and subsidiaries.\n\n## General/State-Specific { .section}\n\nGeneral\n\n## Document Description\\(s\\) { .section}\n\nChart showing \\(or a description which includes\\) the percentage of ownership of:\n\n-   Direct Owners \\(total direct ownership percentage must equate to 100%\\)\n-   Indirect Owners\n-   Subsidiaries and Affiliates of the applicant/licensee\n\n## File Name Format { .section}\n\n`[*Company Legal Name*] Organizational Chart - Description`\n\n## Amendments { .section}\n\nMust be replaced for any change in structure or ownership interest. Existing document must be removed and replaced by new document. Will not be processed unless old document is removed.\n\n## Does Not Include { .section}\n\nManagement Chart, Business Plan\n\n## Upload Location { .section}\n\nCOMPANY FILING \\(MU1\\)\n\n**Parent topic:**Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescorgchart_4.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescorgchart_4.md",
      "headings": [
        "Organizational Chart/Description {#nmls_mu_1_3_docDescorgchart .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Does Not Include { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescorgchart_4.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescpermissibleinvest.md:chunk-0",
      "title": "Permissible Investments {#nmls_mu_1_3_docDescpermissibleinvest .reference}",
      "content": "# Permissible Investments \n\nA list of the company's permissible investments, and the book or market value of such investments as of the date of the most recent audited financial statement and as of the date of the unaudited interim financial statement.\n\n## General/State-Specific { .section}\n\nState Specific\n\n## Document Description\\(s\\) { .section}\n\nDocument mainly required for money services businesses licenses. A list of the company's permissible investments, and the book or market value of such investments as of the date of the most recent audited financial statement and as of the date of the unaudited interim financial statement.\n\nSome states may require a state specific form be uploaded to fulfill this document requirement.\n\n## File Name Format { .section}\n\n`[*Company Legal Name*] Permissible Investments`\n\n## Amendments { .section}\n\nExisting document must be removed and replaced by new document. Will not be processed unless old document is removed. Retain separate documents for each account.\n\n## Upload Location { .section}\n\nCOMPANY FILING \\(MU1\\)\n\n**Parent topic:**Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescpermissibleinvest.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescpermissibleinvest.md",
      "headings": [
        "Permissible Investments {#nmls_mu_1_3_docDescpermissibleinvest .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescpermissibleinvest.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescpermissibleinvest_2.md:chunk-0",
      "title": "Permissible Investments {#nmls_mu_1_3_docDescpermissibleinvest .reference}",
      "content": "# Permissible Investments \n\nA list of the company's permissible investments, and the book or market value of such investments as of the date of the most recent audited financial statement and as of the date of the unaudited interim financial statement.\n\n## General/State-Specific { .section}\n\nState Specific\n\n## Document Description\\(s\\) { .section}\n\nDocument mainly required for money services businesses licenses. A list of the company's permissible investments, and the book or market value of such investments as of the date of the most recent audited financial statement and as of the date of the unaudited interim financial statement.\n\nSome states may require a state specific form be uploaded to fulfill this document requirement.\n\n## File Name Format { .section}\n\n`[*Company Legal Name*] Permissible Investments`\n\n## Amendments { .section}\n\nExisting document must be removed and replaced by new document. Will not be processed unless old document is removed. Retain separate documents for each account.\n\n## Upload Location { .section}\n\nCOMPANY FILING \\(MU1\\)\n\n**Parent topic:**Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescpermissibleinvest_2.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescpermissibleinvest_2.md",
      "headings": [
        "Permissible Investments {#nmls_mu_1_3_docDescpermissibleinvest .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescpermissibleinvest_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescpermissibleinvest_3.md:chunk-0",
      "title": "Permissible Investments {#nmls_mu_1_3_docDescpermissibleinvest .reference}",
      "content": "# Permissible Investments \n\nA list of the company's permissible investments, and the book or market value of such investments as of the date of the most recent audited financial statement and as of the date of the unaudited interim financial statement.\n\n## General/State-Specific { .section}\n\nState Specific\n\n## Document Description\\(s\\) { .section}\n\nDocument mainly required for money services businesses licenses. A list of the company's permissible investments, and the book or market value of such investments as of the date of the most recent audited financial statement and as of the date of the unaudited interim financial statement.\n\nSome states may require a state specific form be uploaded to fulfill this document requirement.\n\n## File Name Format { .section}\n\n`[*Company Legal Name*] Permissible Investments`\n\n## Amendments { .section}\n\nExisting document must be removed and replaced by new document. Will not be processed unless old document is removed. Retain separate documents for each account.\n\n## Upload Location { .section}\n\nCOMPANY FILING \\(MU1\\)\n\n**Parent topic:**Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescpermissibleinvest_3.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescpermissibleinvest_3.md",
      "headings": [
        "Permissible Investments {#nmls_mu_1_3_docDescpermissibleinvest .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescpermissibleinvest_3.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescpermissibleinvest_4.md:chunk-0",
      "title": "Permissible Investments {#nmls_mu_1_3_docDescpermissibleinvest .reference}",
      "content": "# Permissible Investments \n\nA list of the company's permissible investments, and the book or market value of such investments as of the date of the most recent audited financial statement and as of the date of the unaudited interim financial statement.\n\n## General/State-Specific { .section}\n\nState Specific\n\n## Document Description\\(s\\) { .section}\n\nDocument mainly required for money services businesses licenses. A list of the company's permissible investments, and the book or market value of such investments as of the date of the most recent audited financial statement and as of the date of the unaudited interim financial statement.\n\nSome states may require a state specific form be uploaded to fulfill this document requirement.\n\n## File Name Format { .section}\n\n`[*Company Legal Name*] Permissible Investments`\n\n## Amendments { .section}\n\nExisting document must be removed and replaced by new document. Will not be processed unless old document is removed. Retain separate documents for each account.\n\n## Upload Location { .section}\n\nCOMPANY FILING \\(MU1\\)\n\n**Parent topic:**Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescpermissibleinvest_4.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescpermissibleinvest_4.md",
      "headings": [
        "Permissible Investments {#nmls_mu_1_3_docDescpermissibleinvest .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescpermissibleinvest_4.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescpolicyasl_bma.md:chunk-0",
      "title": "AML/BSA Policy {#nmls_mu_1_3_docDescpolicyasl_bma .reference}",
      "content": "# AML/BSA Policy \n\nAnti-Money Laundering \\(AML\\) / Bank Secrecy Act \\(BSA\\) Policy\n\n## General/State-Specific { .section}\n\nGeneral\n\n## Document Description\\(s\\) { .section}\n\nAnti-Money Laundering \\(AML\\) / Bank Secrecy Act \\(BSA\\) Policy that may include independent review.\n\n## File Name Format { .section}\n\n`Internally Approved Date [*mm-dd-yyyy*]`\n\n## Amendments { .section}\n\nExisting document must be removed and replaced by new document. Will not be processed unless old document is removed.\n\n## Upload Location { .section}\n\nCOMPANY FILING \\(MU1\\)\n\n**Parent topic:**Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescpolicyasl_bma.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescpolicyasl_bma.md",
      "headings": [
        "AML/BSA Policy {#nmls_mu_1_3_docDescpolicyasl_bma .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescpolicyasl_bma.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescpolicyasl_bma_2.md:chunk-0",
      "title": "AML/BSA Policy {#nmls_mu_1_3_docDescpolicyasl_bma .reference}",
      "content": "# AML/BSA Policy \n\nAnti-Money Laundering \\(AML\\) / Bank Secrecy Act \\(BSA\\) Policy\n\n## General/State-Specific { .section}\n\nGeneral\n\n## Document Description\\(s\\) { .section}\n\nAnti-Money Laundering \\(AML\\) / Bank Secrecy Act \\(BSA\\) Policy that may include independent review.\n\n## File Name Format { .section}\n\n`Internally Approved Date [*mm-dd-yyyy*]`\n\n## Amendments { .section}\n\nExisting document must be removed and replaced by new document. Will not be processed unless old document is removed.\n\n## Upload Location { .section}\n\nCOMPANY FILING \\(MU1\\)\n\n**Parent topic:**Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescpolicyasl_bma_2.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescpolicyasl_bma_2.md",
      "headings": [
        "AML/BSA Policy {#nmls_mu_1_3_docDescpolicyasl_bma .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescpolicyasl_bma_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescpolicyasl_bma_3.md:chunk-0",
      "title": "AML/BSA Policy {#nmls_mu_1_3_docDescpolicyasl_bma .reference}",
      "content": "# AML/BSA Policy \n\nAnti-Money Laundering \\(AML\\) / Bank Secrecy Act \\(BSA\\) Policy\n\n## General/State-Specific { .section}\n\nGeneral\n\n## Document Description\\(s\\) { .section}\n\nAnti-Money Laundering \\(AML\\) / Bank Secrecy Act \\(BSA\\) Policy that may include independent review.\n\n## File Name Format { .section}\n\n`Internally Approved Date [*mm-dd-yyyy*]`\n\n## Amendments { .section}\n\nExisting document must be removed and replaced by new document. Will not be processed unless old document is removed.\n\n## Upload Location { .section}\n\nCOMPANY FILING \\(MU1\\)\n\n**Parent topic:**Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescpolicyasl_bma_3.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescpolicyasl_bma_3.md",
      "headings": [
        "AML/BSA Policy {#nmls_mu_1_3_docDescpolicyasl_bma .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescpolicyasl_bma_3.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescpolicyasl_bma_4.md:chunk-0",
      "title": "AML/BSA Policy {#nmls_mu_1_3_docDescpolicyasl_bma .reference}",
      "content": "# AML/BSA Policy \n\nAnti-Money Laundering \\(AML\\) / Bank Secrecy Act \\(BSA\\) Policy\n\n## General/State-Specific { .section}\n\nGeneral\n\n## Document Description\\(s\\) { .section}\n\nAnti-Money Laundering \\(AML\\) / Bank Secrecy Act \\(BSA\\) Policy that may include independent review.\n\n## File Name Format { .section}\n\n`Internally Approved Date [*mm-dd-yyyy*]`\n\n## Amendments { .section}\n\nExisting document must be removed and replaced by new document. Will not be processed unless old document is removed.\n\n## Upload Location { .section}\n\nCOMPANY FILING \\(MU1\\)\n\n**Parent topic:**Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescpolicyasl_bma_4.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescpolicyasl_bma_4.md",
      "headings": [
        "AML/BSA Policy {#nmls_mu_1_3_docDescpolicyasl_bma .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescpolicyasl_bma_4.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescsuretybond.md:chunk-0",
      "title": "Surety Bond {#nmls_mu_1_3_docDescsuretybond .reference}",
      "content": "# Surety Bond \n\nCopies of the original surety bond, riders, verification, and continuaiton certificates.\n\n## General/State-Specific { .section}\n\nState Specific\n\n## Document Description\\(s\\) { .section}\n\n-   Copy of Surety Bond: Copy of original surety bond. That includes the full legal name of applicant and trade name \\(if applicable\\), and address of the location covered by the bond.\n-   Copy of Surety Bond Rider: Copy of original surety bond rider.\n-   Continuation Certificates: Continuation Certificates \\(only if required by a specific State\\).\n-   Verification Certificate: Verification Certificate \\(only if required by a specific State\\).\n\n**Important:** For surety bond documents, Include the policy number in the comment field.\n\n## File Name Format { .section}\n\n-   Copy of Surety Bond: \\[*License Type*\\] Surety Bond\n-   Copy of Surety Bond Rider: `[*License Type*] [*Effective Date*] Surety Bond Rider`\n-   Continuation Certificates:`[*License Type*] Continuation Certificate`\n-   Verification Certificate:`[*License Type*] Verification Certificate`\n\n## Amendments { .section}\n\n-   Copy of Surety Bond: Existing document must be removed and replaced by new document. Will not be processed unless old document is removed.\n-   Copy of Surety Bond Rider: If a bond rider is submitted, the original bond remains uploaded and the rider would be added as a separate upload.\n-   Continuation Certificates: Existing document must be removed and replaced by new document. Will not be processed unless old document is removed.\n-   Verification Certificate: Existing document must be removed and replaced by new document. Will not be processed unless old document is removed.\n\n## Upload Location { .section}\n\nCOMPANY FILING \\(MU1\\) and BRANCH FILING \\(MU3\\)\n\n**Parent topic:**Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescsuretybond.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescsuretybond.md",
      "headings": [
        "Surety Bond {#nmls_mu_1_3_docDescsuretybond .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescsuretybond.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescsuretybond_2.md:chunk-0",
      "title": "Surety Bond {#nmls_mu_1_3_docDescsuretybond .reference}",
      "content": "# Surety Bond \n\nCopies of the original surety bond, riders, verification, and continuaiton certificates.\n\n## General/State-Specific { .section}\n\nState Specific\n\n## Document Description\\(s\\) { .section}\n\n-   Copy of Surety Bond: Copy of original surety bond. That includes the full legal name of applicant and trade name \\(if applicable\\), and address of the location covered by the bond.\n-   Copy of Surety Bond Rider: Copy of original surety bond rider.\n-   Continuation Certificates: Continuation Certificates \\(only if required by a specific State\\).\n-   Verification Certificate: Verification Certificate \\(only if required by a specific State\\).\n\n**Important:** For surety bond documents, Include the policy number in the comment field.\n\n## File Name Format { .section}\n\n-   Copy of Surety Bond: \\[*License Type*\\] Surety Bond\n-   Copy of Surety Bond Rider: `[*License Type*] [*Effective Date*] Surety Bond Rider`\n-   Continuation Certificates:`[*License Type*] Continuation Certificate`\n-   Verification Certificate:`[*License Type*] Verification Certificate`\n\n## Amendments { .section}\n\n-   Copy of Surety Bond: Existing document must be removed and replaced by new document. Will not be processed unless old document is removed.\n-   Copy of Surety Bond Rider: If a bond rider is submitted, the original bond remains uploaded and the rider would be added as a separate upload.\n-   Continuation Certificates: Existing document must be removed and replaced by new document. Will not be processed unless old document is removed.\n-   Verification Certificate: Existing document must be removed and replaced by new document. Will not be processed unless old document is removed.\n\n## Upload Location { .section}\n\nCOMPANY FILING \\(MU1\\) and BRANCH FILING \\(MU3\\)\n\n**Parent topic:**Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescsuretybond_2.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescsuretybond_2.md",
      "headings": [
        "Surety Bond {#nmls_mu_1_3_docDescsuretybond .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescsuretybond_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescsuretybond_3.md:chunk-0",
      "title": "Surety Bond {#nmls_mu_1_3_docDescsuretybond .reference}",
      "content": "# Surety Bond \n\nCopies of the original surety bond, riders, verification, and continuaiton certificates.\n\n## General/State-Specific { .section}\n\nState Specific\n\n## Document Description\\(s\\) { .section}\n\n-   Copy of Surety Bond: Copy of original surety bond. That includes the full legal name of applicant and trade name \\(if applicable\\), and address of the location covered by the bond.\n-   Copy of Surety Bond Rider: Copy of original surety bond rider.\n-   Continuation Certificates: Continuation Certificates \\(only if required by a specific State\\).\n-   Verification Certificate: Verification Certificate \\(only if required by a specific State\\).\n\n**Important:** For surety bond documents, Include the policy number in the comment field.\n\n## File Name Format { .section}\n\n-   Copy of Surety Bond: \\[*License Type*\\] Surety Bond\n-   Copy of Surety Bond Rider: `[*License Type*] [*Effective Date*] Surety Bond Rider`\n-   Continuation Certificates:`[*License Type*] Continuation Certificate`\n-   Verification Certificate:`[*License Type*] Verification Certificate`\n\n## Amendments { .section}\n\n-   Copy of Surety Bond: Existing document must be removed and replaced by new document. Will not be processed unless old document is removed.\n-   Copy of Surety Bond Rider: If a bond rider is submitted, the original bond remains uploaded and the rider would be added as a separate upload.\n-   Continuation Certificates: Existing document must be removed and replaced by new document. Will not be processed unless old document is removed.\n-   Verification Certificate: Existing document must be removed and replaced by new document. Will not be processed unless old document is removed.\n\n## Upload Location { .section}\n\nCOMPANY FILING \\(MU1\\) and BRANCH FILING \\(MU3\\)\n\n**Parent topic:**Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescsuretybond_3.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescsuretybond_3.md",
      "headings": [
        "Surety Bond {#nmls_mu_1_3_docDescsuretybond .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescsuretybond_3.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescsuretybond_4.md:chunk-0",
      "title": "Surety Bond {#nmls_mu_1_3_docDescsuretybond .reference}",
      "content": "# Surety Bond \n\nCopies of the original surety bond, riders, verification, and continuaiton certificates.\n\n## General/State-Specific { .section}\n\nState Specific\n\n## Document Description\\(s\\) { .section}\n\n-   Copy of Surety Bond: Copy of original surety bond. That includes the full legal name of applicant and trade name \\(if applicable\\), and address of the location covered by the bond.\n-   Copy of Surety Bond Rider: Copy of original surety bond rider.\n-   Continuation Certificates: Continuation Certificates \\(only if required by a specific State\\).\n-   Verification Certificate: Verification Certificate \\(only if required by a specific State\\).\n\n**Important:** For surety bond documents, Include the policy number in the comment field.\n\n## File Name Format { .section}\n\n-   Copy of Surety Bond: \\[*License Type*\\] Surety Bond\n-   Copy of Surety Bond Rider: `[*License Type*] [*Effective Date*] Surety Bond Rider`\n-   Continuation Certificates:`[*License Type*] Continuation Certificate`\n-   Verification Certificate:`[*License Type*] Verification Certificate`\n\n## Amendments { .section}\n\n-   Copy of Surety Bond: Existing document must be removed and replaced by new document. Will not be processed unless old document is removed.\n-   Copy of Surety Bond Rider: If a bond rider is submitted, the original bond remains uploaded and the rider would be added as a separate upload.\n-   Continuation Certificates: Existing document must be removed and replaced by new document. Will not be processed unless old document is removed.\n-   Verification Certificate: Existing document must be removed and replaced by new document. Will not be processed unless old document is removed.\n\n## Upload Location { .section}\n\nCOMPANY FILING \\(MU1\\) and BRANCH FILING \\(MU3\\)\n\n**Parent topic:**Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescsuretybond_4.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescsuretybond_4.md",
      "headings": [
        "Surety Bond {#nmls_mu_1_3_docDescsuretybond .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescsuretybond_4.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescsuretybondalt.md:chunk-0",
      "title": "Surety Bond – Alternate Security Device {#nmls_mu_1_3_docDescsuretybondalt .reference}",
      "content": "# Surety Bond – Alternate Security Device \n\nThis document should be provided when an alternate device other than an electronic surety bond is permitted per jurisdiction requirements.\n\n## General/State-Specific { .section}\n\nState Specific\n\n## Document Description\\(s\\) { .section}\n\nDocument required by a small number of states, refer to State Licensing Checklist Compiler to determine if your license permits this document to be submitted.\n\nDocument should be provided when an alternate device other than an electronic surety bond is permitted per jurisdiction requirements.\n\n## File Name Format { .section}\n\nCopy of Alternate Security Device: `[*License Type*] Security Device`\n\n## Amendments { .section}\n\nExisting document must be removed and replaced by new document. Will not be processed unless old document is removed. Retain separate documents for each account.\n\n## Upload Location { .section}\n\nCOMPANY FILING \\(MU1\\)\n\n**Parent topic:**Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescsuretybondalt.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescsuretybondalt.md",
      "headings": [
        "Surety Bond – Alternate Security Device {#nmls_mu_1_3_docDescsuretybondalt .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescsuretybondalt.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescsuretybondalt_2.md:chunk-0",
      "title": "Surety Bond – Alternate Security Device {#nmls_mu_1_3_docDescsuretybondalt .reference}",
      "content": "# Surety Bond – Alternate Security Device \n\nThis document should be provided when an alternate device other than an electronic surety bond is permitted per jurisdiction requirements.\n\n## General/State-Specific { .section}\n\nState Specific\n\n## Document Description\\(s\\) { .section}\n\nDocument required by a small number of states, refer to State Licensing Checklist Compiler to determine if your license permits this document to be submitted.\n\nDocument should be provided when an alternate device other than an electronic surety bond is permitted per jurisdiction requirements.\n\n## File Name Format { .section}\n\nCopy of Alternate Security Device: `[*License Type*] Security Device`\n\n## Amendments { .section}\n\nExisting document must be removed and replaced by new document. Will not be processed unless old document is removed. Retain separate documents for each account.\n\n## Upload Location { .section}\n\nCOMPANY FILING \\(MU1\\)\n\n**Parent topic:**Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescsuretybondalt_2.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescsuretybondalt_2.md",
      "headings": [
        "Surety Bond – Alternate Security Device {#nmls_mu_1_3_docDescsuretybondalt .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescsuretybondalt_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescsuretybondalt_3.md:chunk-0",
      "title": "Surety Bond – Alternate Security Device {#nmls_mu_1_3_docDescsuretybondalt .reference}",
      "content": "# Surety Bond – Alternate Security Device \n\nThis document should be provided when an alternate device other than an electronic surety bond is permitted per jurisdiction requirements.\n\n## General/State-Specific { .section}\n\nState Specific\n\n## Document Description\\(s\\) { .section}\n\nDocument required by a small number of states, refer to State Licensing Checklist Compiler to determine if your license permits this document to be submitted.\n\nDocument should be provided when an alternate device other than an electronic surety bond is permitted per jurisdiction requirements.\n\n## File Name Format { .section}\n\nCopy of Alternate Security Device: `[*License Type*] Security Device`\n\n## Amendments { .section}\n\nExisting document must be removed and replaced by new document. Will not be processed unless old document is removed. Retain separate documents for each account.\n\n## Upload Location { .section}\n\nCOMPANY FILING \\(MU1\\)\n\n**Parent topic:**Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescsuretybondalt_3.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescsuretybondalt_3.md",
      "headings": [
        "Surety Bond – Alternate Security Device {#nmls_mu_1_3_docDescsuretybondalt .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescsuretybondalt_3.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescsuretybondalt_4.md:chunk-0",
      "title": "Surety Bond – Alternate Security Device {#nmls_mu_1_3_docDescsuretybondalt .reference}",
      "content": "# Surety Bond – Alternate Security Device \n\nThis document should be provided when an alternate device other than an electronic surety bond is permitted per jurisdiction requirements.\n\n## General/State-Specific { .section}\n\nState Specific\n\n## Document Description\\(s\\) { .section}\n\nDocument required by a small number of states, refer to State Licensing Checklist Compiler to determine if your license permits this document to be submitted.\n\nDocument should be provided when an alternate device other than an electronic surety bond is permitted per jurisdiction requirements.\n\n## File Name Format { .section}\n\nCopy of Alternate Security Device: `[*License Type*] Security Device`\n\n## Amendments { .section}\n\nExisting document must be removed and replaced by new document. Will not be processed unless old document is removed. Retain separate documents for each account.\n\n## Upload Location { .section}\n\nCOMPANY FILING \\(MU1\\)\n\n**Parent topic:**Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescsuretybondalt_4.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescsuretybondalt_4.md",
      "headings": [
        "Surety Bond – Alternate Security Device {#nmls_mu_1_3_docDescsuretybondalt .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescsuretybondalt_4.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDesctradename_assumedname.md:chunk-0",
      "title": "Trade Name/Assumed Name Registration Certificates {#nmls_mu_1_3_docDesctradename_assumedname .reference}",
      "content": "# Trade Name/Assumed Name Registration Certificates \n\nA state-issued document demonstrating authorization to do business under an Other Trade Name.\n\n## General/State-Specific { .section}\n\nState Specific\n\n## Document Description\\(s\\) { .section}\n\nIf operating under an “Other Trade Name”, State issued and approved document demonstrating authorization to do business under that trade name. A separate document for each trade name should be uploaded.\n\n## File Name Format { .section}\n\n`[*State-License Type*] Trade Name - Assumed Name`\n\n## Amendments { .section}\n\nIf trade name is no longer used, remove the document from the system.\n\n## Upload Location { .section}\n\nCOMPANY FILING \\(MU1\\)\n\n**Parent topic:**Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDesctradename_assumedname.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDesctradename_assumedname.md",
      "headings": [
        "Trade Name/Assumed Name Registration Certificates {#nmls_mu_1_3_docDesctradename_assumedname .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDesctradename_assumedname.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDesctradename_assumedname_2.md:chunk-0",
      "title": "Trade Name/Assumed Name Registration Certificates {#nmls_mu_1_3_docDesctradename_assumedname .reference}",
      "content": "# Trade Name/Assumed Name Registration Certificates \n\nA state-issued document demonstrating authorization to do business under an Other Trade Name.\n\n## General/State-Specific { .section}\n\nState Specific\n\n## Document Description\\(s\\) { .section}\n\nIf operating under an “Other Trade Name”, State issued and approved document demonstrating authorization to do business under that trade name. A separate document for each trade name should be uploaded.\n\n## File Name Format { .section}\n\n`[*State-License Type*] Trade Name - Assumed Name`\n\n## Amendments { .section}\n\nIf trade name is no longer used, remove the document from the system.\n\n## Upload Location { .section}\n\nCOMPANY FILING \\(MU1\\)\n\n**Parent topic:**Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDesctradename_assumedname_2.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDesctradename_assumedname_2.md",
      "headings": [
        "Trade Name/Assumed Name Registration Certificates {#nmls_mu_1_3_docDesctradename_assumedname .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDesctradename_assumedname_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDesctradename_assumedname_3.md:chunk-0",
      "title": "Trade Name/Assumed Name Registration Certificates {#nmls_mu_1_3_docDesctradename_assumedname .reference}",
      "content": "# Trade Name/Assumed Name Registration Certificates \n\nA state-issued document demonstrating authorization to do business under an Other Trade Name.\n\n## General/State-Specific { .section}\n\nState Specific\n\n## Document Description\\(s\\) { .section}\n\nIf operating under an “Other Trade Name”, State issued and approved document demonstrating authorization to do business under that trade name. A separate document for each trade name should be uploaded.\n\n## File Name Format { .section}\n\n`[*State-License Type*] Trade Name - Assumed Name`\n\n## Amendments { .section}\n\nIf trade name is no longer used, remove the document from the system.\n\n## Upload Location { .section}\n\nCOMPANY FILING \\(MU1\\)\n\n**Parent topic:**Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDesctradename_assumedname_3.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDesctradename_assumedname_3.md",
      "headings": [
        "Trade Name/Assumed Name Registration Certificates {#nmls_mu_1_3_docDesctradename_assumedname .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDesctradename_assumedname_3.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDesctradename_assumedname_4.md:chunk-0",
      "title": "Trade Name/Assumed Name Registration Certificates {#nmls_mu_1_3_docDesctradename_assumedname .reference}",
      "content": "# Trade Name/Assumed Name Registration Certificates \n\nA state-issued document demonstrating authorization to do business under an Other Trade Name.\n\n## General/State-Specific { .section}\n\nState Specific\n\n## Document Description\\(s\\) { .section}\n\nIf operating under an “Other Trade Name”, State issued and approved document demonstrating authorization to do business under that trade name. A separate document for each trade name should be uploaded.\n\n## File Name Format { .section}\n\n`[*State-License Type*] Trade Name - Assumed Name`\n\n## Amendments { .section}\n\nIf trade name is no longer used, remove the document from the system.\n\n## Upload Location { .section}\n\nCOMPANY FILING \\(MU1\\)\n\n**Parent topic:**Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDesctradename_assumedname_4.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDesctradename_assumedname_4.md",
      "headings": [
        "Trade Name/Assumed Name Registration Certificates {#nmls_mu_1_3_docDesctradename_assumedname .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDesctradename_assumedname_4.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDesctrustacctauth.md:chunk-0",
      "title": "Trust Account Authorization {#nmls_mu_1_3_docDesctrustacctauth .reference}",
      "content": "# Trust Account Authorization \n\nAuthorization allowing examination of trust accounts used for the purpose of holding funds belonging to others.\n\n## General/State-Specific { .section}\n\nState Specific\n\n## Document Description\\(s\\) { .section}\n\nUpload authorization allowing examination of trust accounts used for the purpose of holding funds belonging to others. May require multiple documents when more than one account exists. Upload each account authorization separately.\n\n## File Name Format { .section}\n\n`[*License Type*] [*Indicate State*] [*last 5 digits of account number*] (eg. Debt Management, MD, xxxxx)`\n\n## Amendments { .section}\n\nExisting document must be removed and replaced by new document. Will not be processed unless old document is removed. Retain separate documents for each account.\n\n## Upload Location { .section}\n\nCOMPANY FILING \\(MU1\\)\n\n**Parent topic:**Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDesctrustacctauth.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDesctrustacctauth.md",
      "headings": [
        "Trust Account Authorization {#nmls_mu_1_3_docDesctrustacctauth .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDesctrustacctauth.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDesctrustacctauth_2.md:chunk-0",
      "title": "Trust Account Authorization {#nmls_mu_1_3_docDesctrustacctauth .reference}",
      "content": "# Trust Account Authorization \n\nAuthorization allowing examination of trust accounts used for the purpose of holding funds belonging to others.\n\n## General/State-Specific { .section}\n\nState Specific\n\n## Document Description\\(s\\) { .section}\n\nUpload authorization allowing examination of trust accounts used for the purpose of holding funds belonging to others. May require multiple documents when more than one account exists. Upload each account authorization separately.\n\n## File Name Format { .section}\n\n`[*License Type*] [*Indicate State*] [*last 5 digits of account number*] (eg. Debt Management, MD, xxxxx)`\n\n## Amendments { .section}\n\nExisting document must be removed and replaced by new document. Will not be processed unless old document is removed. Retain separate documents for each account.\n\n## Upload Location { .section}\n\nCOMPANY FILING \\(MU1\\)\n\n**Parent topic:**Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDesctrustacctauth_2.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDesctrustacctauth_2.md",
      "headings": [
        "Trust Account Authorization {#nmls_mu_1_3_docDesctrustacctauth .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDesctrustacctauth_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDesctrustacctauth_3.md:chunk-0",
      "title": "Trust Account Authorization {#nmls_mu_1_3_docDesctrustacctauth .reference}",
      "content": "# Trust Account Authorization \n\nAuthorization allowing examination of trust accounts used for the purpose of holding funds belonging to others.\n\n## General/State-Specific { .section}\n\nState Specific\n\n## Document Description\\(s\\) { .section}\n\nUpload authorization allowing examination of trust accounts used for the purpose of holding funds belonging to others. May require multiple documents when more than one account exists. Upload each account authorization separately.\n\n## File Name Format { .section}\n\n`[*License Type*] [*Indicate State*] [*last 5 digits of account number*] (eg. Debt Management, MD, xxxxx)`\n\n## Amendments { .section}\n\nExisting document must be removed and replaced by new document. Will not be processed unless old document is removed. Retain separate documents for each account.\n\n## Upload Location { .section}\n\nCOMPANY FILING \\(MU1\\)\n\n**Parent topic:**Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDesctrustacctauth_3.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDesctrustacctauth_3.md",
      "headings": [
        "Trust Account Authorization {#nmls_mu_1_3_docDesctrustacctauth .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDesctrustacctauth_3.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDesctrustacctauth_4.md:chunk-0",
      "title": "Trust Account Authorization {#nmls_mu_1_3_docDesctrustacctauth .reference}",
      "content": "# Trust Account Authorization \n\nAuthorization allowing examination of trust accounts used for the purpose of holding funds belonging to others.\n\n## General/State-Specific { .section}\n\nState Specific\n\n## Document Description\\(s\\) { .section}\n\nUpload authorization allowing examination of trust accounts used for the purpose of holding funds belonging to others. May require multiple documents when more than one account exists. Upload each account authorization separately.\n\n## File Name Format { .section}\n\n`[*License Type*] [*Indicate State*] [*last 5 digits of account number*] (eg. Debt Management, MD, xxxxx)`\n\n## Amendments { .section}\n\nExisting document must be removed and replaced by new document. Will not be processed unless old document is removed. Retain separate documents for each account.\n\n## Upload Location { .section}\n\nCOMPANY FILING \\(MU1\\)\n\n**Parent topic:**Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDesctrustacctauth_4.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDesctrustacctauth_4.md",
      "headings": [
        "Trust Account Authorization {#nmls_mu_1_3_docDesctrustacctauth .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDesctrustacctauth_4.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescwarehouselineofcredit.md:chunk-0",
      "title": "Warehouse Line of Credit Documentation {#nmls_mu_1_3_docDescwarehouselineofcredit .reference}",
      "content": "# Warehouse Line of Credit Documentation \n\nDocumentation of Warehouse Lines of Credit. Add documentation of new active lines of credit and remove terminated or expired \\(inactive\\) lines of credit.\n\n## General/State-Specific { .section}\n\nGeneral\n\n## Document Description\\(s\\) { .section}\n\nUpload documentation of a Warehouse Line of Credit.\n\n## File Name Format { .section}\n\n`[*License Type and Lender Name*]`\n\n## Amendments { .section}\n\nAdd documentation of new active lines of credit and remove terminated or expired \\(inactive\\) lines of credit.\n\n## Upload Location { .section}\n\nCOMPANY FILING \\(MU1\\)\n\n**Parent topic:**Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescwarehouselineofcredit.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescwarehouselineofcredit.md",
      "headings": [
        "Warehouse Line of Credit Documentation {#nmls_mu_1_3_docDescwarehouselineofcredit .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescwarehouselineofcredit.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescwarehouselineofcredit_2.md:chunk-0",
      "title": "Warehouse Line of Credit Documentation {#nmls_mu_1_3_docDescwarehouselineofcredit .reference}",
      "content": "# Warehouse Line of Credit Documentation \n\nDocumentation of Warehouse Lines of Credit. Add documentation of new active lines of credit and remove terminated or expired \\(inactive\\) lines of credit.\n\n## General/State-Specific { .section}\n\nGeneral\n\n## Document Description\\(s\\) { .section}\n\nUpload documentation of a Warehouse Line of Credit.\n\n## File Name Format { .section}\n\n`[*License Type and Lender Name*]`\n\n## Amendments { .section}\n\nAdd documentation of new active lines of credit and remove terminated or expired \\(inactive\\) lines of credit.\n\n## Upload Location { .section}\n\nCOMPANY FILING \\(MU1\\)\n\n**Parent topic:**Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescwarehouselineofcredit_2.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescwarehouselineofcredit_2.md",
      "headings": [
        "Warehouse Line of Credit Documentation {#nmls_mu_1_3_docDescwarehouselineofcredit .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescwarehouselineofcredit_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescwarehouselineofcredit_3.md:chunk-0",
      "title": "Warehouse Line of Credit Documentation {#nmls_mu_1_3_docDescwarehouselineofcredit .reference}",
      "content": "# Warehouse Line of Credit Documentation \n\nDocumentation of Warehouse Lines of Credit. Add documentation of new active lines of credit and remove terminated or expired \\(inactive\\) lines of credit.\n\n## General/State-Specific { .section}\n\nGeneral\n\n## Document Description\\(s\\) { .section}\n\nUpload documentation of a Warehouse Line of Credit.\n\n## File Name Format { .section}\n\n`[*License Type and Lender Name*]`\n\n## Amendments { .section}\n\nAdd documentation of new active lines of credit and remove terminated or expired \\(inactive\\) lines of credit.\n\n## Upload Location { .section}\n\nCOMPANY FILING \\(MU1\\)\n\n**Parent topic:**Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescwarehouselineofcredit_3.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescwarehouselineofcredit_3.md",
      "headings": [
        "Warehouse Line of Credit Documentation {#nmls_mu_1_3_docDescwarehouselineofcredit .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescwarehouselineofcredit_3.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescwarehouselineofcredit_4.md:chunk-0",
      "title": "Warehouse Line of Credit Documentation {#nmls_mu_1_3_docDescwarehouselineofcredit .reference}",
      "content": "# Warehouse Line of Credit Documentation \n\nDocumentation of Warehouse Lines of Credit. Add documentation of new active lines of credit and remove terminated or expired \\(inactive\\) lines of credit.\n\n## General/State-Specific { .section}\n\nGeneral\n\n## Document Description\\(s\\) { .section}\n\nUpload documentation of a Warehouse Line of Credit.\n\n## File Name Format { .section}\n\n`[*License Type and Lender Name*]`\n\n## Amendments { .section}\n\nAdd documentation of new active lines of credit and remove terminated or expired \\(inactive\\) lines of credit.\n\n## Upload Location { .section}\n\nCOMPANY FILING \\(MU1\\)\n\n**Parent topic:**Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescwarehouselineofcredit_4.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-1-3-docDescwarehouselineofcredit_4.md",
      "headings": [
        "Warehouse Line of Credit Documentation {#nmls_mu_1_3_docDescwarehouselineofcredit .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-1-3-docDescwarehouselineofcredit_4.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-2-4-docUpload.md:chunk-0",
      "title": "Documents Available for Upload to Individual Filings \\(MU2/MU4\\) {#nmls_mu_docupload_mu_2_4 .concept}",
      "content": "# Documents Available for Upload to Individual Filings \\(MU2/MU4\\) \n\nDescriptions and examples of the different types of documentation available for upload to individual filings in NMLS.\n\n-   **Credit Report Explanations**  \nA line-by-line, detailed letter of explanation of all derogatory credit accounts along with proof of payoffs, payment arrangements and evidence of payments made, or evidence of any formal dispute filed.\n-   **Legal Name / Status Documentation**  \n Upload documentation of legal name or legal status. This may be certified copies of divorce decree, marriage certificate, copy of driver’s license, passports, etc.\n-   **Memorandum of Tax Certification**  \nProvide a certified memorandum indicating all tax obligations to the State have been paid or that a payment plan \\(if applicable\\) is in place.\n-   **Personal Financial Statement**  \nStates vary on individuals they require to submit financial statements.\n-   **State Background Check Authorization**  \nState specific form authorizing a state background check.\n-   **Verification of Experience**  \nA license specific resume with detailed job descriptions and/or duties performed evidencing experience in the industry the company is applying for a license.\n\n**Parent topic:**Document Upload Descriptions and Examples",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-2-4-docUpload.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-2-4-docUpload.md",
      "headings": [
        "Documents Available for Upload to Individual Filings \\(MU2/MU4\\) {#nmls_mu_docupload_mu_2_4 .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-2-4-docUpload.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-2-4-docUploadDesccredrepexp.md:chunk-0",
      "title": "Credit Report Explanations {#nmls_mu_2_4_docUploadDesccredrepexp .reference}",
      "content": "# Credit Report Explanations \n\nA line-by-line, detailed letter of explanation of all derogatory credit accounts along with proof of payoffs, payment arrangements and evidence of payments made, or evidence of any formal dispute filed.\n\n## General/State-Specific \n\nGeneral\n\n## Document Description\\(s\\) \n\nSubmit a line-by-line, detailed letter of explanation of all derogatory credit accounts along with proof of payoffs, payment arrangements and evidence of payments made, or evidence of any formal dispute filed \\(documents must be dated\\). Accounts to address include, but are not limited to: collections items, charge-offs, accounts currently past due, accounts with serious delinquencies in the last 3 years \\(or as directed\\), repossessions, loan modifications, etc.\n\nStates vary on adverse credit history information/derogatory credit account definitions and additional documentation may be required. Please review State Licensing Checklist Compiler for documents that are required.\n\n## File Name Format \n\n`Credit Report Explanations – [*Sub Name*] [*Document Creation Date*]`\n\n## Amendments \n\nIf making an amendment to an existing document remove old and upload new. If submitting a supplement, add a new document with comment detailing the supplement. If an item remains on your credit report, it should remain uploaded in the document uploads section.\n\n## Does Not Include \n\nItems regarding bankruptcy, foreclosure actions, outstanding judgments or liens, or delinquent child support payments should be addressed in the Disclosure Section of your MU2/MU4 filing.\n\n## Upload Location \n\nINDIVIDUAL FILING \\(MU2/MU4\\)\n\n**Note:** See **About the Document Library** for more information on what regulators and company users can view in NMLS.\n\n**Parent topic:**Documents Available for Upload to Individual Filings \\(MU2/MU4\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-2-4-docUploadDesccredrepexp.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-2-4-docUploadDesccredrepexp.md",
      "headings": [
        "Credit Report Explanations {#nmls_mu_2_4_docUploadDesccredrepexp .reference}",
        "General/State-Specific {#section_f22_jtj_vfc .section}",
        "Document Description\\(s\\) {#section_g22_jtj_vfc .section}",
        "File Name Format {#section_h22_jtj_vfc .section}",
        "Amendments {#section_i22_jtj_vfc .section}",
        "Does Not Include {#section_j22_jtj_vfc .section}",
        "Upload Location {#section_k22_jtj_vfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-2-4-docUploadDesccredrepexp.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-2-4-docUploadDesccredrepexp_2.md:chunk-0",
      "title": "Credit Report Explanations {#nmls_mu_2_4_docUploadDesccredrepexp .reference}",
      "content": "# Credit Report Explanations \n\nA line-by-line, detailed letter of explanation of all derogatory credit accounts along with proof of payoffs, payment arrangements and evidence of payments made, or evidence of any formal dispute filed.\n\n## General/State-Specific \n\nGeneral\n\n## Document Description\\(s\\) \n\nSubmit a line-by-line, detailed letter of explanation of all derogatory credit accounts along with proof of payoffs, payment arrangements and evidence of payments made, or evidence of any formal dispute filed \\(documents must be dated\\). Accounts to address include, but are not limited to: collections items, charge-offs, accounts currently past due, accounts with serious delinquencies in the last 3 years \\(or as directed\\), repossessions, loan modifications, etc.\n\nStates vary on adverse credit history information/derogatory credit account definitions and additional documentation may be required. Please review State Licensing Checklist Compiler for documents that are required.\n\n## File Name Format \n\n`Credit Report Explanations – [*Sub Name*] [*Document Creation Date*]`\n\n## Amendments \n\nIf making an amendment to an existing document remove old and upload new. If submitting a supplement, add a new document with comment detailing the supplement. If an item remains on your credit report, it should remain uploaded in the document uploads section.\n\n## Does Not Include \n\nItems regarding bankruptcy, foreclosure actions, outstanding judgments or liens, or delinquent child support payments should be addressed in the Disclosure Section of your MU2/MU4 filing.\n\n## Upload Location \n\nINDIVIDUAL FILING \\(MU2/MU4\\)\n\n**Note:** See **About the Document Library** for more information on what regulators and company users can view in NMLS.\n\n**Parent topic:**Documents Available for Upload to Individual Filings \\(MU2/MU4\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-2-4-docUploadDesccredrepexp_2.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-2-4-docUploadDesccredrepexp_2.md",
      "headings": [
        "Credit Report Explanations {#nmls_mu_2_4_docUploadDesccredrepexp .reference}",
        "General/State-Specific {#section_f22_jtj_vfc .section}",
        "Document Description\\(s\\) {#section_g22_jtj_vfc .section}",
        "File Name Format {#section_h22_jtj_vfc .section}",
        "Amendments {#section_i22_jtj_vfc .section}",
        "Does Not Include {#section_j22_jtj_vfc .section}",
        "Upload Location {#section_k22_jtj_vfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-2-4-docUploadDesccredrepexp_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-2-4-docUploadDesccredrepexp_3.md:chunk-0",
      "title": "Credit Report Explanations {#nmls_mu_2_4_docUploadDesccredrepexp .reference}",
      "content": "# Credit Report Explanations \n\nA line-by-line, detailed letter of explanation of all derogatory credit accounts along with proof of payoffs, payment arrangements and evidence of payments made, or evidence of any formal dispute filed.\n\n## General/State-Specific \n\nGeneral\n\n## Document Description\\(s\\) \n\nSubmit a line-by-line, detailed letter of explanation of all derogatory credit accounts along with proof of payoffs, payment arrangements and evidence of payments made, or evidence of any formal dispute filed \\(documents must be dated\\). Accounts to address include, but are not limited to: collections items, charge-offs, accounts currently past due, accounts with serious delinquencies in the last 3 years \\(or as directed\\), repossessions, loan modifications, etc.\n\nStates vary on adverse credit history information/derogatory credit account definitions and additional documentation may be required. Please review State Licensing Checklist Compiler for documents that are required.\n\n## File Name Format \n\n`Credit Report Explanations – [*Sub Name*] [*Document Creation Date*]`\n\n## Amendments \n\nIf making an amendment to an existing document remove old and upload new. If submitting a supplement, add a new document with comment detailing the supplement. If an item remains on your credit report, it should remain uploaded in the document uploads section.\n\n## Does Not Include \n\nItems regarding bankruptcy, foreclosure actions, outstanding judgments or liens, or delinquent child support payments should be addressed in the Disclosure Section of your MU2/MU4 filing.\n\n## Upload Location \n\nINDIVIDUAL FILING \\(MU2/MU4\\)\n\n**Note:** See **About the Document Library** for more information on what regulators and company users can view in NMLS.\n\n**Parent topic:**Documents Available for Upload to Individual Filings \\(MU2/MU4\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-2-4-docUploadDesccredrepexp_3.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-2-4-docUploadDesccredrepexp_3.md",
      "headings": [
        "Credit Report Explanations {#nmls_mu_2_4_docUploadDesccredrepexp .reference}",
        "General/State-Specific {#section_f22_jtj_vfc .section}",
        "Document Description\\(s\\) {#section_g22_jtj_vfc .section}",
        "File Name Format {#section_h22_jtj_vfc .section}",
        "Amendments {#section_i22_jtj_vfc .section}",
        "Does Not Include {#section_j22_jtj_vfc .section}",
        "Upload Location {#section_k22_jtj_vfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-2-4-docUploadDesccredrepexp_3.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-2-4-docUploadDesccredrepexp_4.md:chunk-0",
      "title": "Credit Report Explanations {#nmls_mu_2_4_docUploadDesccredrepexp .reference}",
      "content": "# Credit Report Explanations \n\nA line-by-line, detailed letter of explanation of all derogatory credit accounts along with proof of payoffs, payment arrangements and evidence of payments made, or evidence of any formal dispute filed.\n\n## General/State-Specific \n\nGeneral\n\n## Document Description\\(s\\) \n\nSubmit a line-by-line, detailed letter of explanation of all derogatory credit accounts along with proof of payoffs, payment arrangements and evidence of payments made, or evidence of any formal dispute filed \\(documents must be dated\\). Accounts to address include, but are not limited to: collections items, charge-offs, accounts currently past due, accounts with serious delinquencies in the last 3 years \\(or as directed\\), repossessions, loan modifications, etc.\n\nStates vary on adverse credit history information/derogatory credit account definitions and additional documentation may be required. Please review State Licensing Checklist Compiler for documents that are required.\n\n## File Name Format \n\n`Credit Report Explanations – [*Sub Name*] [*Document Creation Date*]`\n\n## Amendments \n\nIf making an amendment to an existing document remove old and upload new. If submitting a supplement, add a new document with comment detailing the supplement. If an item remains on your credit report, it should remain uploaded in the document uploads section.\n\n## Does Not Include \n\nItems regarding bankruptcy, foreclosure actions, outstanding judgments or liens, or delinquent child support payments should be addressed in the Disclosure Section of your MU2/MU4 filing.\n\n## Upload Location \n\nINDIVIDUAL FILING \\(MU2/MU4\\)\n\n**Note:** See **About the Document Library** for more information on what regulators and company users can view in NMLS.\n\n**Parent topic:**Documents Available for Upload to Individual Filings \\(MU2/MU4\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-2-4-docUploadDesccredrepexp_4.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-2-4-docUploadDesccredrepexp_4.md",
      "headings": [
        "Credit Report Explanations {#nmls_mu_2_4_docUploadDesccredrepexp .reference}",
        "General/State-Specific {#section_f22_jtj_vfc .section}",
        "Document Description\\(s\\) {#section_g22_jtj_vfc .section}",
        "File Name Format {#section_h22_jtj_vfc .section}",
        "Amendments {#section_i22_jtj_vfc .section}",
        "Does Not Include {#section_j22_jtj_vfc .section}",
        "Upload Location {#section_k22_jtj_vfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-2-4-docUploadDesccredrepexp_4.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-2-4-docUploadDescexperiencever.md:chunk-0",
      "title": "Verification of Experience {#nmls_mu_2_4_docUploadDescexperiencever .reference}",
      "content": "# Verification of Experience \n\nA license specific resume with detailed job descriptions and/or duties performed evidencing experience in the industry the company is applying for a license.\n\n## General/State-Specific { .section}\n\nState-Specific\n\n## Document Description\\(s\\) { .section}\n\nA license specific resume with detailed job descriptions and/or duties performed evidencing experience in the industry the company is applying for a license. Detailed job descriptions and duties with all employers need to be incorporated into a resume to demonstrate experience related to the specific state license being applied for. This may also include education background documentation. Please see State Licensing Checklist Compiler for additional detail.\n\n## File Name Format { .section}\n\n`[*Document Type*] - [*License Name*]`\n\n## Amendments { .section}\n\nExisting document must be removed and replaced by new document. Will not be processed unless old document is removed.\n\n## Upload Location { .section}\n\nINDIVIDUAL FILING \\(MU2/MU4\\)\n\n**Note:** See **About the Document Library** for more information on what regulators and company users can view in NMLS.\n\n**Parent topic:**Documents Available for Upload to Individual Filings \\(MU2/MU4\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-2-4-docUploadDescexperiencever.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-2-4-docUploadDescexperiencever.md",
      "headings": [
        "Verification of Experience {#nmls_mu_2_4_docUploadDescexperiencever .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-2-4-docUploadDescexperiencever.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-2-4-docUploadDescexperiencever_2.md:chunk-0",
      "title": "Verification of Experience {#nmls_mu_2_4_docUploadDescexperiencever .reference}",
      "content": "# Verification of Experience \n\nA license specific resume with detailed job descriptions and/or duties performed evidencing experience in the industry the company is applying for a license.\n\n## General/State-Specific { .section}\n\nState-Specific\n\n## Document Description\\(s\\) { .section}\n\nA license specific resume with detailed job descriptions and/or duties performed evidencing experience in the industry the company is applying for a license. Detailed job descriptions and duties with all employers need to be incorporated into a resume to demonstrate experience related to the specific state license being applied for. This may also include education background documentation. Please see State Licensing Checklist Compiler for additional detail.\n\n## File Name Format { .section}\n\n`[*Document Type*] - [*License Name*]`\n\n## Amendments { .section}\n\nExisting document must be removed and replaced by new document. Will not be processed unless old document is removed.\n\n## Upload Location { .section}\n\nINDIVIDUAL FILING \\(MU2/MU4\\)\n\n**Note:** See **About the Document Library** for more information on what regulators and company users can view in NMLS.\n\n**Parent topic:**Documents Available for Upload to Individual Filings \\(MU2/MU4\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-2-4-docUploadDescexperiencever_2.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-2-4-docUploadDescexperiencever_2.md",
      "headings": [
        "Verification of Experience {#nmls_mu_2_4_docUploadDescexperiencever .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-2-4-docUploadDescexperiencever_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-2-4-docUploadDescexperiencever_3.md:chunk-0",
      "title": "Verification of Experience {#nmls_mu_2_4_docUploadDescexperiencever .reference}",
      "content": "# Verification of Experience \n\nA license specific resume with detailed job descriptions and/or duties performed evidencing experience in the industry the company is applying for a license.\n\n## General/State-Specific { .section}\n\nState-Specific\n\n## Document Description\\(s\\) { .section}\n\nA license specific resume with detailed job descriptions and/or duties performed evidencing experience in the industry the company is applying for a license. Detailed job descriptions and duties with all employers need to be incorporated into a resume to demonstrate experience related to the specific state license being applied for. This may also include education background documentation. Please see State Licensing Checklist Compiler for additional detail.\n\n## File Name Format { .section}\n\n`[*Document Type*] - [*License Name*]`\n\n## Amendments { .section}\n\nExisting document must be removed and replaced by new document. Will not be processed unless old document is removed.\n\n## Upload Location { .section}\n\nINDIVIDUAL FILING \\(MU2/MU4\\)\n\n**Note:** See **About the Document Library** for more information on what regulators and company users can view in NMLS.\n\n**Parent topic:**Documents Available for Upload to Individual Filings \\(MU2/MU4\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-2-4-docUploadDescexperiencever_3.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-2-4-docUploadDescexperiencever_3.md",
      "headings": [
        "Verification of Experience {#nmls_mu_2_4_docUploadDescexperiencever .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-2-4-docUploadDescexperiencever_3.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-2-4-docUploadDescexperiencever_4.md:chunk-0",
      "title": "Verification of Experience {#nmls_mu_2_4_docUploadDescexperiencever .reference}",
      "content": "# Verification of Experience \n\nA license specific resume with detailed job descriptions and/or duties performed evidencing experience in the industry the company is applying for a license.\n\n## General/State-Specific { .section}\n\nState-Specific\n\n## Document Description\\(s\\) { .section}\n\nA license specific resume with detailed job descriptions and/or duties performed evidencing experience in the industry the company is applying for a license. Detailed job descriptions and duties with all employers need to be incorporated into a resume to demonstrate experience related to the specific state license being applied for. This may also include education background documentation. Please see State Licensing Checklist Compiler for additional detail.\n\n## File Name Format { .section}\n\n`[*Document Type*] - [*License Name*]`\n\n## Amendments { .section}\n\nExisting document must be removed and replaced by new document. Will not be processed unless old document is removed.\n\n## Upload Location { .section}\n\nINDIVIDUAL FILING \\(MU2/MU4\\)\n\n**Note:** See **About the Document Library** for more information on what regulators and company users can view in NMLS.\n\n**Parent topic:**Documents Available for Upload to Individual Filings \\(MU2/MU4\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-2-4-docUploadDescexperiencever_4.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-2-4-docUploadDescexperiencever_4.md",
      "headings": [
        "Verification of Experience {#nmls_mu_2_4_docUploadDescexperiencever .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-2-4-docUploadDescexperiencever_4.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-2-4-docUploadDesclegalnamestatus.md:chunk-0",
      "title": "Legal Name / Status Documentation {#nmls_mu_2_4_docUploadDesclegalnamestatus .reference}",
      "content": "# Legal Name / Status Documentation \n\nUpload documentation of legal name or legal status. This may be certified copies of divorce decree, marriage certificate, copy of driver’s license, passports, etc.\n\n## General/State-Specific \n\nGeneral\n\n## Document Description\\(s\\) \n\nUpload documentation of legal name or legal status. This may be certified copies of divorce decree, marriage certificate, copy of driver’s license, passports, etc.\n\nStates vary on acceptable documentation, please review State Licensing Checklist Compiler for acceptable forms of identification.\n\n## File Name Format \n\n`[*Documentation Name*]`\n\n## Amendments \n\nIf name change occurs, remove previous documents and replace with new documentation.\n\n## Examples \n\nDriver’s license, marriage certificate, etc.\n\n## Upload Location \n\nINDIVIDUAL FILING \\(MU2/MU4\\)\n\n**Note:** See **About the Document Library** for more information on what regulators and company users can view in NMLS.\n\n**Parent topic:**Documents Available for Upload to Individual Filings \\(MU2/MU4\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-2-4-docUploadDesclegalnamestatus.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-2-4-docUploadDesclegalnamestatus.md",
      "headings": [
        "Legal Name / Status Documentation {#nmls_mu_2_4_docUploadDesclegalnamestatus .reference}",
        "General/State-Specific {#section_fsl_qwk_vfc .section}",
        "Document Description\\(s\\) {#section_gsl_qwk_vfc .section}",
        "File Name Format {#section_hsl_qwk_vfc .section}",
        "Amendments {#section_isl_qwk_vfc .section}",
        "Examples {#section_jsl_qwk_vfc .section}",
        "Upload Location {#section_ksl_qwk_vfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-2-4-docUploadDesclegalnamestatus.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-2-4-docUploadDesclegalnamestatus_2.md:chunk-0",
      "title": "Legal Name / Status Documentation {#nmls_mu_2_4_docUploadDesclegalnamestatus .reference}",
      "content": "# Legal Name / Status Documentation \n\nUpload documentation of legal name or legal status. This may be certified copies of divorce decree, marriage certificate, copy of driver’s license, passports, etc.\n\n## General/State-Specific \n\nGeneral\n\n## Document Description\\(s\\) \n\nUpload documentation of legal name or legal status. This may be certified copies of divorce decree, marriage certificate, copy of driver’s license, passports, etc.\n\nStates vary on acceptable documentation, please review State Licensing Checklist Compiler for acceptable forms of identification.\n\n## File Name Format \n\n`[*Documentation Name*]`\n\n## Amendments \n\nIf name change occurs, remove previous documents and replace with new documentation.\n\n## Examples \n\nDriver’s license, marriage certificate, etc.\n\n## Upload Location \n\nINDIVIDUAL FILING \\(MU2/MU4\\)\n\n**Note:** See **About the Document Library** for more information on what regulators and company users can view in NMLS.\n\n**Parent topic:**Documents Available for Upload to Individual Filings \\(MU2/MU4\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-2-4-docUploadDesclegalnamestatus_2.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-2-4-docUploadDesclegalnamestatus_2.md",
      "headings": [
        "Legal Name / Status Documentation {#nmls_mu_2_4_docUploadDesclegalnamestatus .reference}",
        "General/State-Specific {#section_fsl_qwk_vfc .section}",
        "Document Description\\(s\\) {#section_gsl_qwk_vfc .section}",
        "File Name Format {#section_hsl_qwk_vfc .section}",
        "Amendments {#section_isl_qwk_vfc .section}",
        "Examples {#section_jsl_qwk_vfc .section}",
        "Upload Location {#section_ksl_qwk_vfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-2-4-docUploadDesclegalnamestatus_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-2-4-docUploadDesclegalnamestatus_3.md:chunk-0",
      "title": "Legal Name / Status Documentation {#nmls_mu_2_4_docUploadDesclegalnamestatus .reference}",
      "content": "# Legal Name / Status Documentation \n\nUpload documentation of legal name or legal status. This may be certified copies of divorce decree, marriage certificate, copy of driver’s license, passports, etc.\n\n## General/State-Specific \n\nGeneral\n\n## Document Description\\(s\\) \n\nUpload documentation of legal name or legal status. This may be certified copies of divorce decree, marriage certificate, copy of driver’s license, passports, etc.\n\nStates vary on acceptable documentation, please review State Licensing Checklist Compiler for acceptable forms of identification.\n\n## File Name Format \n\n`[*Documentation Name*]`\n\n## Amendments \n\nIf name change occurs, remove previous documents and replace with new documentation.\n\n## Examples \n\nDriver’s license, marriage certificate, etc.\n\n## Upload Location \n\nINDIVIDUAL FILING \\(MU2/MU4\\)\n\n**Note:** See **About the Document Library** for more information on what regulators and company users can view in NMLS.\n\n**Parent topic:**Documents Available for Upload to Individual Filings \\(MU2/MU4\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-2-4-docUploadDesclegalnamestatus_3.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-2-4-docUploadDesclegalnamestatus_3.md",
      "headings": [
        "Legal Name / Status Documentation {#nmls_mu_2_4_docUploadDesclegalnamestatus .reference}",
        "General/State-Specific {#section_fsl_qwk_vfc .section}",
        "Document Description\\(s\\) {#section_gsl_qwk_vfc .section}",
        "File Name Format {#section_hsl_qwk_vfc .section}",
        "Amendments {#section_isl_qwk_vfc .section}",
        "Examples {#section_jsl_qwk_vfc .section}",
        "Upload Location {#section_ksl_qwk_vfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-2-4-docUploadDesclegalnamestatus_3.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-2-4-docUploadDesclegalnamestatus_4.md:chunk-0",
      "title": "Legal Name / Status Documentation {#nmls_mu_2_4_docUploadDesclegalnamestatus .reference}",
      "content": "# Legal Name / Status Documentation \n\nUpload documentation of legal name or legal status. This may be certified copies of divorce decree, marriage certificate, copy of driver’s license, passports, etc.\n\n## General/State-Specific \n\nGeneral\n\n## Document Description\\(s\\) \n\nUpload documentation of legal name or legal status. This may be certified copies of divorce decree, marriage certificate, copy of driver’s license, passports, etc.\n\nStates vary on acceptable documentation, please review State Licensing Checklist Compiler for acceptable forms of identification.\n\n## File Name Format \n\n`[*Documentation Name*]`\n\n## Amendments \n\nIf name change occurs, remove previous documents and replace with new documentation.\n\n## Examples \n\nDriver’s license, marriage certificate, etc.\n\n## Upload Location \n\nINDIVIDUAL FILING \\(MU2/MU4\\)\n\n**Note:** See **About the Document Library** for more information on what regulators and company users can view in NMLS.\n\n**Parent topic:**Documents Available for Upload to Individual Filings \\(MU2/MU4\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-2-4-docUploadDesclegalnamestatus_4.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-2-4-docUploadDesclegalnamestatus_4.md",
      "headings": [
        "Legal Name / Status Documentation {#nmls_mu_2_4_docUploadDesclegalnamestatus .reference}",
        "General/State-Specific {#section_fsl_qwk_vfc .section}",
        "Document Description\\(s\\) {#section_gsl_qwk_vfc .section}",
        "File Name Format {#section_hsl_qwk_vfc .section}",
        "Amendments {#section_isl_qwk_vfc .section}",
        "Examples {#section_jsl_qwk_vfc .section}",
        "Upload Location {#section_ksl_qwk_vfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-2-4-docUploadDesclegalnamestatus_4.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-2-4-docUploadDescpersfinstmt.md:chunk-0",
      "title": "Personal Financial Statement {#nmls_mu_2_4_docUploadDescpersfinstmt .reference}",
      "content": "# Personal Financial Statement \n\nStates vary on individuals they require to submit financial statements.\n\n## General/State-Specific { .section}\n\nState-Specific\n\n## Document Description\\(s\\) { .section}\n\nStates vary on individuals they require to submit financial statements. See State Licensing Checklist Compiler to determine if your license requires this document and if required, the ownership percentage of individuals who must upload this document.\n\n## File Name Format { .section}\n\n`[*State Abbreviation*] -Personal Financial Statement`\n\n## Amendments { .section}\n\nExisting document must be removed and replaced by new document. Will not be processed unless old document is removed.\n\n## Upload Location { .section}\n\nINDIVIDUAL FILING \\(MU2/MU4\\)\n\n**Note:** See **About the Document Library** for more information on what regulators and company users can view in NMLS.\n\n**Parent topic:**Documents Available for Upload to Individual Filings \\(MU2/MU4\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-2-4-docUploadDescpersfinstmt.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-2-4-docUploadDescpersfinstmt.md",
      "headings": [
        "Personal Financial Statement {#nmls_mu_2_4_docUploadDescpersfinstmt .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-2-4-docUploadDescpersfinstmt.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-2-4-docUploadDescpersfinstmt_2.md:chunk-0",
      "title": "Personal Financial Statement {#nmls_mu_2_4_docUploadDescpersfinstmt .reference}",
      "content": "# Personal Financial Statement \n\nStates vary on individuals they require to submit financial statements.\n\n## General/State-Specific { .section}\n\nState-Specific\n\n## Document Description\\(s\\) { .section}\n\nStates vary on individuals they require to submit financial statements. See State Licensing Checklist Compiler to determine if your license requires this document and if required, the ownership percentage of individuals who must upload this document.\n\n## File Name Format { .section}\n\n`[*State Abbreviation*] -Personal Financial Statement`\n\n## Amendments { .section}\n\nExisting document must be removed and replaced by new document. Will not be processed unless old document is removed.\n\n## Upload Location { .section}\n\nINDIVIDUAL FILING \\(MU2/MU4\\)\n\n**Note:** See **About the Document Library** for more information on what regulators and company users can view in NMLS.\n\n**Parent topic:**Documents Available for Upload to Individual Filings \\(MU2/MU4\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-2-4-docUploadDescpersfinstmt_2.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-2-4-docUploadDescpersfinstmt_2.md",
      "headings": [
        "Personal Financial Statement {#nmls_mu_2_4_docUploadDescpersfinstmt .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-2-4-docUploadDescpersfinstmt_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-2-4-docUploadDescpersfinstmt_3.md:chunk-0",
      "title": "Personal Financial Statement {#nmls_mu_2_4_docUploadDescpersfinstmt .reference}",
      "content": "# Personal Financial Statement \n\nStates vary on individuals they require to submit financial statements.\n\n## General/State-Specific { .section}\n\nState-Specific\n\n## Document Description\\(s\\) { .section}\n\nStates vary on individuals they require to submit financial statements. See State Licensing Checklist Compiler to determine if your license requires this document and if required, the ownership percentage of individuals who must upload this document.\n\n## File Name Format { .section}\n\n`[*State Abbreviation*] -Personal Financial Statement`\n\n## Amendments { .section}\n\nExisting document must be removed and replaced by new document. Will not be processed unless old document is removed.\n\n## Upload Location { .section}\n\nINDIVIDUAL FILING \\(MU2/MU4\\)\n\n**Note:** See **About the Document Library** for more information on what regulators and company users can view in NMLS.\n\n**Parent topic:**Documents Available for Upload to Individual Filings \\(MU2/MU4\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-2-4-docUploadDescpersfinstmt_3.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-2-4-docUploadDescpersfinstmt_3.md",
      "headings": [
        "Personal Financial Statement {#nmls_mu_2_4_docUploadDescpersfinstmt .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-2-4-docUploadDescpersfinstmt_3.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-2-4-docUploadDescpersfinstmt_4.md:chunk-0",
      "title": "Personal Financial Statement {#nmls_mu_2_4_docUploadDescpersfinstmt .reference}",
      "content": "# Personal Financial Statement \n\nStates vary on individuals they require to submit financial statements.\n\n## General/State-Specific { .section}\n\nState-Specific\n\n## Document Description\\(s\\) { .section}\n\nStates vary on individuals they require to submit financial statements. See State Licensing Checklist Compiler to determine if your license requires this document and if required, the ownership percentage of individuals who must upload this document.\n\n## File Name Format { .section}\n\n`[*State Abbreviation*] -Personal Financial Statement`\n\n## Amendments { .section}\n\nExisting document must be removed and replaced by new document. Will not be processed unless old document is removed.\n\n## Upload Location { .section}\n\nINDIVIDUAL FILING \\(MU2/MU4\\)\n\n**Note:** See **About the Document Library** for more information on what regulators and company users can view in NMLS.\n\n**Parent topic:**Documents Available for Upload to Individual Filings \\(MU2/MU4\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-2-4-docUploadDescpersfinstmt_4.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-2-4-docUploadDescpersfinstmt_4.md",
      "headings": [
        "Personal Financial Statement {#nmls_mu_2_4_docUploadDescpersfinstmt .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-2-4-docUploadDescpersfinstmt_4.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-2-4-docUploadDescstatebkgndchkauth.md:chunk-0",
      "title": "State Background Check Authorization {#nmls_mu_2_4_docUploadDescstatebkgndchkauth .reference}",
      "content": "# State Background Check Authorization \n\nState specific form authorizing a state background check.\n\n## General/State-Specific { .section}\n\nState-Specific\n\n## Document Description\\(s\\) { .section}\n\nState specific form authorizing a state background check. State specific forms must be used for state background checks and are available on State Licensing Checklist Compiler.\n\n**Note:** This is separate from any criminal background check \\(CBC\\) completed in NMLS.\n\n## File Name Format { .section}\n\n`[*State Abbreviation*] - CBC Authorization`\n\n## Amendments { .section}\n\nExisting document must be removed and replaced by new document. Will not be processed unless old document is removed.\n\n## Examples { .section}\n\nBackground check authorization forms provided by states.\n\n## Upload Location { .section}\n\nINDIVIDUAL FILING \\(MU2\\)\n\n**Note:** See **About the Document Library** for more information on what regulators and company users can view in NMLS.\n\n**Parent topic:**Documents Available for Upload to Individual Filings \\(MU2/MU4\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-2-4-docUploadDescstatebkgndchkauth.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-2-4-docUploadDescstatebkgndchkauth.md",
      "headings": [
        "State Background Check Authorization {#nmls_mu_2_4_docUploadDescstatebkgndchkauth .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Examples { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-2-4-docUploadDescstatebkgndchkauth.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-2-4-docUploadDescstatebkgndchkauth_2.md:chunk-0",
      "title": "State Background Check Authorization {#nmls_mu_2_4_docUploadDescstatebkgndchkauth .reference}",
      "content": "# State Background Check Authorization \n\nState specific form authorizing a state background check.\n\n## General/State-Specific { .section}\n\nState-Specific\n\n## Document Description\\(s\\) { .section}\n\nState specific form authorizing a state background check. State specific forms must be used for state background checks and are available on State Licensing Checklist Compiler.\n\n**Note:** This is separate from any criminal background check \\(CBC\\) completed in NMLS.\n\n## File Name Format { .section}\n\n`[*State Abbreviation*] - CBC Authorization`\n\n## Amendments { .section}\n\nExisting document must be removed and replaced by new document. Will not be processed unless old document is removed.\n\n## Examples { .section}\n\nBackground check authorization forms provided by states.\n\n## Upload Location { .section}\n\nINDIVIDUAL FILING \\(MU2\\)\n\n**Note:** See **About the Document Library** for more information on what regulators and company users can view in NMLS.\n\n**Parent topic:**Documents Available for Upload to Individual Filings \\(MU2/MU4\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-2-4-docUploadDescstatebkgndchkauth_2.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-2-4-docUploadDescstatebkgndchkauth_2.md",
      "headings": [
        "State Background Check Authorization {#nmls_mu_2_4_docUploadDescstatebkgndchkauth .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Examples { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-2-4-docUploadDescstatebkgndchkauth_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-2-4-docUploadDescstatebkgndchkauth_3.md:chunk-0",
      "title": "State Background Check Authorization {#nmls_mu_2_4_docUploadDescstatebkgndchkauth .reference}",
      "content": "# State Background Check Authorization \n\nState specific form authorizing a state background check.\n\n## General/State-Specific { .section}\n\nState-Specific\n\n## Document Description\\(s\\) { .section}\n\nState specific form authorizing a state background check. State specific forms must be used for state background checks and are available on State Licensing Checklist Compiler.\n\n**Note:** This is separate from any criminal background check \\(CBC\\) completed in NMLS.\n\n## File Name Format { .section}\n\n`[*State Abbreviation*] - CBC Authorization`\n\n## Amendments { .section}\n\nExisting document must be removed and replaced by new document. Will not be processed unless old document is removed.\n\n## Examples { .section}\n\nBackground check authorization forms provided by states.\n\n## Upload Location { .section}\n\nINDIVIDUAL FILING \\(MU2\\)\n\n**Note:** See **About the Document Library** for more information on what regulators and company users can view in NMLS.\n\n**Parent topic:**Documents Available for Upload to Individual Filings \\(MU2/MU4\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-2-4-docUploadDescstatebkgndchkauth_3.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-2-4-docUploadDescstatebkgndchkauth_3.md",
      "headings": [
        "State Background Check Authorization {#nmls_mu_2_4_docUploadDescstatebkgndchkauth .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Examples { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-2-4-docUploadDescstatebkgndchkauth_3.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-2-4-docUploadDescstatebkgndchkauth_4.md:chunk-0",
      "title": "State Background Check Authorization {#nmls_mu_2_4_docUploadDescstatebkgndchkauth .reference}",
      "content": "# State Background Check Authorization \n\nState specific form authorizing a state background check.\n\n## General/State-Specific { .section}\n\nState-Specific\n\n## Document Description\\(s\\) { .section}\n\nState specific form authorizing a state background check. State specific forms must be used for state background checks and are available on State Licensing Checklist Compiler.\n\n**Note:** This is separate from any criminal background check \\(CBC\\) completed in NMLS.\n\n## File Name Format { .section}\n\n`[*State Abbreviation*] - CBC Authorization`\n\n## Amendments { .section}\n\nExisting document must be removed and replaced by new document. Will not be processed unless old document is removed.\n\n## Examples { .section}\n\nBackground check authorization forms provided by states.\n\n## Upload Location { .section}\n\nINDIVIDUAL FILING \\(MU2\\)\n\n**Note:** See **About the Document Library** for more information on what regulators and company users can view in NMLS.\n\n**Parent topic:**Documents Available for Upload to Individual Filings \\(MU2/MU4\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-2-4-docUploadDescstatebkgndchkauth_4.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-2-4-docUploadDescstatebkgndchkauth_4.md",
      "headings": [
        "State Background Check Authorization {#nmls_mu_2_4_docUploadDescstatebkgndchkauth .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Examples { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-2-4-docUploadDescstatebkgndchkauth_4.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-2-4-docUploadDesctaxcertmemo.md:chunk-0",
      "title": "Memorandum of Tax Certification {#nmls_mu_2_4_docUploadDesctaxcertmemo .reference}",
      "content": "# Memorandum of Tax Certification \n\nProvide a certified memorandum indicating all tax obligations to the State have been paid or that a payment plan \\(if applicable\\) is in place.\n\n## General/State-Specific { .section}\n\nState-Specific\n\n## Document Description\\(s\\) { .section}\n\nProvide a certified memorandum indicating all tax obligations to the State have been paid or that a payment plan \\(if applicable\\) is in place. Many states that require this document have a standard form \\(available on State Licensing Checklist Compiler\\) that should be submitted to meet this requirement.\n\n## File Name Format { .section}\n\n`[*State Abbreviation*] - Memorandum of Tax Certification`\n\n## Amendments { .section}\n\nExisting document must be removed and replaced by new document. Will not be processed unless old document is removed.\n\n## Upload Location { .section}\n\nINDIVIDUAL FILING \\(MU2/MU4\\)\n\n**Note:** See **About the Document Library** for more information on what regulators and company users can view in NMLS.\n\n**Parent topic:**Documents Available for Upload to Individual Filings \\(MU2/MU4\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-2-4-docUploadDesctaxcertmemo.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-2-4-docUploadDesctaxcertmemo.md",
      "headings": [
        "Memorandum of Tax Certification {#nmls_mu_2_4_docUploadDesctaxcertmemo .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-2-4-docUploadDesctaxcertmemo.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-2-4-docUploadDesctaxcertmemo_2.md:chunk-0",
      "title": "Memorandum of Tax Certification {#nmls_mu_2_4_docUploadDesctaxcertmemo .reference}",
      "content": "# Memorandum of Tax Certification \n\nProvide a certified memorandum indicating all tax obligations to the State have been paid or that a payment plan \\(if applicable\\) is in place.\n\n## General/State-Specific { .section}\n\nState-Specific\n\n## Document Description\\(s\\) { .section}\n\nProvide a certified memorandum indicating all tax obligations to the State have been paid or that a payment plan \\(if applicable\\) is in place. Many states that require this document have a standard form \\(available on State Licensing Checklist Compiler\\) that should be submitted to meet this requirement.\n\n## File Name Format { .section}\n\n`[*State Abbreviation*] - Memorandum of Tax Certification`\n\n## Amendments { .section}\n\nExisting document must be removed and replaced by new document. Will not be processed unless old document is removed.\n\n## Upload Location { .section}\n\nINDIVIDUAL FILING \\(MU2/MU4\\)\n\n**Note:** See **About the Document Library** for more information on what regulators and company users can view in NMLS.\n\n**Parent topic:**Documents Available for Upload to Individual Filings \\(MU2/MU4\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-2-4-docUploadDesctaxcertmemo_2.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-2-4-docUploadDesctaxcertmemo_2.md",
      "headings": [
        "Memorandum of Tax Certification {#nmls_mu_2_4_docUploadDesctaxcertmemo .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-2-4-docUploadDesctaxcertmemo_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-2-4-docUploadDesctaxcertmemo_3.md:chunk-0",
      "title": "Memorandum of Tax Certification {#nmls_mu_2_4_docUploadDesctaxcertmemo .reference}",
      "content": "# Memorandum of Tax Certification \n\nProvide a certified memorandum indicating all tax obligations to the State have been paid or that a payment plan \\(if applicable\\) is in place.\n\n## General/State-Specific { .section}\n\nState-Specific\n\n## Document Description\\(s\\) { .section}\n\nProvide a certified memorandum indicating all tax obligations to the State have been paid or that a payment plan \\(if applicable\\) is in place. Many states that require this document have a standard form \\(available on State Licensing Checklist Compiler\\) that should be submitted to meet this requirement.\n\n## File Name Format { .section}\n\n`[*State Abbreviation*] - Memorandum of Tax Certification`\n\n## Amendments { .section}\n\nExisting document must be removed and replaced by new document. Will not be processed unless old document is removed.\n\n## Upload Location { .section}\n\nINDIVIDUAL FILING \\(MU2/MU4\\)\n\n**Note:** See **About the Document Library** for more information on what regulators and company users can view in NMLS.\n\n**Parent topic:**Documents Available for Upload to Individual Filings \\(MU2/MU4\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-2-4-docUploadDesctaxcertmemo_3.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-2-4-docUploadDesctaxcertmemo_3.md",
      "headings": [
        "Memorandum of Tax Certification {#nmls_mu_2_4_docUploadDesctaxcertmemo .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-2-4-docUploadDesctaxcertmemo_3.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-2-4-docUploadDesctaxcertmemo_4.md:chunk-0",
      "title": "Memorandum of Tax Certification {#nmls_mu_2_4_docUploadDesctaxcertmemo .reference}",
      "content": "# Memorandum of Tax Certification \n\nProvide a certified memorandum indicating all tax obligations to the State have been paid or that a payment plan \\(if applicable\\) is in place.\n\n## General/State-Specific { .section}\n\nState-Specific\n\n## Document Description\\(s\\) { .section}\n\nProvide a certified memorandum indicating all tax obligations to the State have been paid or that a payment plan \\(if applicable\\) is in place. Many states that require this document have a standard form \\(available on State Licensing Checklist Compiler\\) that should be submitted to meet this requirement.\n\n## File Name Format { .section}\n\n`[*State Abbreviation*] - Memorandum of Tax Certification`\n\n## Amendments { .section}\n\nExisting document must be removed and replaced by new document. Will not be processed unless old document is removed.\n\n## Upload Location { .section}\n\nINDIVIDUAL FILING \\(MU2/MU4\\)\n\n**Note:** See **About the Document Library** for more information on what regulators and company users can view in NMLS.\n\n**Parent topic:**Documents Available for Upload to Individual Filings \\(MU2/MU4\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-2-4-docUploadDesctaxcertmemo_4.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-2-4-docUploadDesctaxcertmemo_4.md",
      "headings": [
        "Memorandum of Tax Certification {#nmls_mu_2_4_docUploadDesctaxcertmemo .reference}",
        "General/State-Specific { .section}",
        "Document Description\\(s\\) { .section}",
        "File Name Format { .section}",
        "Amendments { .section}",
        "Upload Location { .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-2-4-docUploadDesctaxcertmemo_4.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-2-4-docUpload_2.md:chunk-0",
      "title": "Documents Available for Upload to Individual Filings \\(MU2/MU4\\) {#nmls_mu_docupload_mu_2_4 .concept}",
      "content": "# Documents Available for Upload to Individual Filings \\(MU2/MU4\\) \n\nDescriptions and examples of the different types of documentation available for upload to individual filings in NMLS.\n\n-   **Credit Report Explanations**  \nA line-by-line, detailed letter of explanation of all derogatory credit accounts along with proof of payoffs, payment arrangements and evidence of payments made, or evidence of any formal dispute filed.\n-   **Legal Name / Status Documentation**  \n Upload documentation of legal name or legal status. This may be certified copies of divorce decree, marriage certificate, copy of driver’s license, passports, etc.\n-   **Memorandum of Tax Certification**  \nProvide a certified memorandum indicating all tax obligations to the State have been paid or that a payment plan \\(if applicable\\) is in place.\n-   **Personal Financial Statement**  \nStates vary on individuals they require to submit financial statements.\n-   **State Background Check Authorization**  \nState specific form authorizing a state background check.\n-   **Verification of Experience**  \nA license specific resume with detailed job descriptions and/or duties performed evidencing experience in the industry the company is applying for a license.\n\n**Parent topic:**Document Upload Descriptions and Examples",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-2-4-docUpload_2.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-2-4-docUpload_2.md",
      "headings": [
        "Documents Available for Upload to Individual Filings \\(MU2/MU4\\) {#nmls_mu_docupload_mu_2_4 .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-2-4-docUpload_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-2-4-docUpload_3.md:chunk-0",
      "title": "Documents Available for Upload to Individual Filings \\(MU2/MU4\\) {#nmls_mu_docupload_mu_2_4 .concept}",
      "content": "# Documents Available for Upload to Individual Filings \\(MU2/MU4\\) \n\nDescriptions and examples of the different types of documentation available for upload to individual filings in NMLS.\n\n-   **Credit Report Explanations**  \nA line-by-line, detailed letter of explanation of all derogatory credit accounts along with proof of payoffs, payment arrangements and evidence of payments made, or evidence of any formal dispute filed.\n-   **Legal Name / Status Documentation**  \n Upload documentation of legal name or legal status. This may be certified copies of divorce decree, marriage certificate, copy of driver’s license, passports, etc.\n-   **Memorandum of Tax Certification**  \nProvide a certified memorandum indicating all tax obligations to the State have been paid or that a payment plan \\(if applicable\\) is in place.\n-   **Personal Financial Statement**  \nStates vary on individuals they require to submit financial statements.\n-   **State Background Check Authorization**  \nState specific form authorizing a state background check.\n-   **Verification of Experience**  \nA license specific resume with detailed job descriptions and/or duties performed evidencing experience in the industry the company is applying for a license.\n\n**Parent topic:**Document Upload Descriptions and Examples",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-2-4-docUpload_3.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-2-4-docUpload_3.md",
      "headings": [
        "Documents Available for Upload to Individual Filings \\(MU2/MU4\\) {#nmls_mu_docupload_mu_2_4 .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-2-4-docUpload_3.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls-mu-2-4-docUpload_4.md:chunk-0",
      "title": "Documents Available for Upload to Individual Filings \\(MU2/MU4\\) {#nmls_mu_docupload_mu_2_4 .concept}",
      "content": "# Documents Available for Upload to Individual Filings \\(MU2/MU4\\) \n\nDescriptions and examples of the different types of documentation available for upload to individual filings in NMLS.\n\n-   **Credit Report Explanations**  \nA line-by-line, detailed letter of explanation of all derogatory credit accounts along with proof of payoffs, payment arrangements and evidence of payments made, or evidence of any formal dispute filed.\n-   **Legal Name / Status Documentation**  \n Upload documentation of legal name or legal status. This may be certified copies of divorce decree, marriage certificate, copy of driver’s license, passports, etc.\n-   **Memorandum of Tax Certification**  \nProvide a certified memorandum indicating all tax obligations to the State have been paid or that a payment plan \\(if applicable\\) is in place.\n-   **Personal Financial Statement**  \nStates vary on individuals they require to submit financial statements.\n-   **State Background Check Authorization**  \nState specific form authorizing a state background check.\n-   **Verification of Experience**  \nA license specific resume with detailed job descriptions and/or duties performed evidencing experience in the industry the company is applying for a license.\n\n**Parent topic:**Document Upload Descriptions and Examples",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls-mu-2-4-docUpload_4.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls-mu-2-4-docUpload_4.md",
      "headings": [
        "Documents Available for Upload to Individual Filings \\(MU2/MU4\\) {#nmls_mu_docupload_mu_2_4 .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls-mu-2-4-docUpload_4.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls_mu_1_3_docupload.md:chunk-0",
      "title": "Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\) {#nmls_mu_1_3_docupload .concept}",
      "content": "# Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\) \n\nDescriptions and examples of the different types of documentation available for upload to Branch Filings in NMLS.\n\n-   **ACN Related Documents**  \n\n-   **Additional Requirement\\(s\\)**  \nThese are state-specific requirements, such as state-specific forms, proof of workers compenation, state-specific polices, etc.\n-   **AML/BSA Policy**  \nAnti-Money Laundering \\(AML\\) / Bank Secrecy Act \\(BSA\\) Policy\n-   **Branch Written Agreement**  \nThe contract between the branch manager and licensee, and the leasing agreement between the property owner and the branch, but does not include company level lease agreements.\n-   **Business Continuity Plan**  \nA Business Continuity Plan is the process and documentation that describes how a company plans, prevents, maintains, and/or recovers essential functions, systems, processes, and other business operations involving threats to the business, including during a disaster.\n-   **Business Continuity Operational Status Report**  \nA Business Continuity Operational Status Report provides specific detail on a company’s implementation of its Business Continuity Plan during a specific critical threat, including a disaster.\n-   **Business Plan**  \nA business plan outlining marketing strategies, products, target markets, fee schedule and operating structure the applicant intends to employ.\n-   **Certificate of Authority / Good Standing**  \nA state-issued and approved document \\(typically by the Secretary of State’s office\\), dated not more than 60 days prior to the filing of the application through NMLS that demonstrates authorization to do business.\n-   **Company Staffing and Internal Policies**  \nDocument\\(s\\) shall include information on staffing and internal organizational policies and procedures.\n-   **Debt Management Agreement**  \nA written contract, plan or agreement between a debt management provider and a consumer for performance of debt management services.\n-",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls_mu_1_3_docupload.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls_mu_1_3_docupload.md",
      "headings": [
        "Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\) {#nmls_mu_1_3_docupload .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls_mu_1_3_docupload.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls_mu_1_3_docupload.md:chunk-1",
      "title": "Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\) {#nmls_mu_1_3_docupload .concept}",
      "content": "onal policies and procedures.\n-   **Debt Management Agreement**  \nA written contract, plan or agreement between a debt management provider and a consumer for performance of debt management services.\n-   **Designation of Branch Qualified Employee**  \nThe Designation of Qualified Employee for the Branch location is a document required by a small number of states.\n-   **Document Samples**  \nCopies of sample documents, contracts and agreements used in the regular course of business. This does not include Debt Management Agreements, Mortgage Servicing Agreements, Policies and Procedures or any document that contains a date of birth \\(DOB\\) or social security number \\(SSN\\).\n-   **Errors and Omissions \\(Insurance Policy\\)**  \nUpload proof of errors and omissions insurance protecting the applicant from liability arising from a negligent act, error or omission in the performance of professional service. If applicable, include power of attorney \\(POA\\).\n-   **Fidelity Bond**  \nUpload a fidelity bond in the amount required by the applicable State. The name of the principal insured on the bond must exactly match the Full Legal Name of the applicant.\n-   **Flow of Funds Structure**  \nThis document is only required by a small number of states providing a description of each type of transaction or service to be conducted.\n-   **Formation Document**  \nA state certified copy of the corporate charter or articles of incorporation \\(if a corporation\\), or the articles of organization and operating agreement \\(if a limited liability company\\), or the partnership agreement \\(if a partnership of any form\\).\n-   **Management Chart**  \nThe management chart displays the applicant’s directors, officers, and managers \\(individual name and title\\) and identifies the compliance reporting and internal audit structure.\n-   **Mortgage Servicing Agreement**  \nAny written agreement or contract related to mortgage servicing rights.\n-   **Organizational Chart/Description**  \nA chart showing the owners",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls_mu_1_3_docupload.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls_mu_1_3_docupload.md",
      "headings": [
        "Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\) {#nmls_mu_1_3_docupload .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls_mu_1_3_docupload.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls_mu_1_3_docupload.md:chunk-2",
      "title": "Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\) {#nmls_mu_1_3_docupload .concept}",
      "content": "al audit structure.\n-   **Mortgage Servicing Agreement**  \nAny written agreement or contract related to mortgage servicing rights.\n-   **Organizational Chart/Description**  \nA chart showing the ownership percentages of direct and indirect owners, affiliates, and subsidiaries.\n-   **Permissible Investments**  \nA list of the company's permissible investments, and the book or market value of such investments as of the date of the most recent audited financial statement and as of the date of the unaudited interim financial statement.\n-   **Surety Bond**  \nCopies of the original surety bond, riders, verification, and continuaiton certificates.\n-   **Surety Bond – Alternate Security Device**  \nThis document should be provided when an alternate device other than an electronic surety bond is permitted per jurisdiction requirements.\n-   **Trade Name/Assumed Name Registration Certificates**  \nA state-issued document demonstrating authorization to do business under an Other Trade Name.\n-   **Trust Account Authorization**  \nAuthorization allowing examination of trust accounts used for the purpose of holding funds belonging to others.\n-   **Warehouse Line of Credit Documentation**  \nDocumentation of Warehouse Lines of Credit. Add documentation of new active lines of credit and remove terminated or expired \\(inactive\\) lines of credit.\n\n**Parent topic:**Document Upload Descriptions and Examples",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls_mu_1_3_docupload.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls_mu_1_3_docupload.md",
      "headings": [
        "Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\) {#nmls_mu_1_3_docupload .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls_mu_1_3_docupload.html",
      "snippet": null
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      "id": "maps/NMLS/reference/docDescriptions/nmls_mu_1_3_docupload_2.md:chunk-0",
      "title": "Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\) {#nmls_mu_1_3_docupload .concept}",
      "content": "# Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\) \n\nDescriptions and examples of the different types of documentation available for upload to Branch Filings in NMLS.\n\n-   **ACN Related Documents**  \n\n-   **Additional Requirement\\(s\\)**  \nThese are state-specific requirements, such as state-specific forms, proof of workers compenation, state-specific polices, etc.\n-   **AML/BSA Policy**  \nAnti-Money Laundering \\(AML\\) / Bank Secrecy Act \\(BSA\\) Policy\n-   **Branch Written Agreement**  \nThe contract between the branch manager and licensee, and the leasing agreement between the property owner and the branch, but does not include company level lease agreements.\n-   **Business Continuity Plan**  \nA Business Continuity Plan is the process and documentation that describes how a company plans, prevents, maintains, and/or recovers essential functions, systems, processes, and other business operations involving threats to the business, including during a disaster.\n-   **Business Continuity Operational Status Report**  \nA Business Continuity Operational Status Report provides specific detail on a company’s implementation of its Business Continuity Plan during a specific critical threat, including a disaster.\n-   **Business Plan**  \nA business plan outlining marketing strategies, products, target markets, fee schedule and operating structure the applicant intends to employ.\n-   **Certificate of Authority / Good Standing**  \nA state-issued and approved document \\(typically by the Secretary of State’s office\\), dated not more than 60 days prior to the filing of the application through NMLS that demonstrates authorization to do business.\n-   **Company Staffing and Internal Policies**  \nDocument\\(s\\) shall include information on staffing and internal organizational policies and procedures.\n-   **Debt Management Agreement**  \nA written contract, plan or agreement between a debt management provider and a consumer for performance of debt management services.\n-",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls_mu_1_3_docupload_2.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls_mu_1_3_docupload_2.md",
      "headings": [
        "Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\) {#nmls_mu_1_3_docupload .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls_mu_1_3_docupload_2.html",
      "snippet": null
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    {
      "id": "maps/NMLS/reference/docDescriptions/nmls_mu_1_3_docupload_2.md:chunk-1",
      "title": "Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\) {#nmls_mu_1_3_docupload .concept}",
      "content": "onal policies and procedures.\n-   **Debt Management Agreement**  \nA written contract, plan or agreement between a debt management provider and a consumer for performance of debt management services.\n-   **Designation of Branch Qualified Employee**  \nThe Designation of Qualified Employee for the Branch location is a document required by a small number of states.\n-   **Document Samples**  \nCopies of sample documents, contracts and agreements used in the regular course of business. This does not include Debt Management Agreements, Mortgage Servicing Agreements, Policies and Procedures or any document that contains a date of birth \\(DOB\\) or social security number \\(SSN\\).\n-   **Errors and Omissions \\(Insurance Policy\\)**  \nUpload proof of errors and omissions insurance protecting the applicant from liability arising from a negligent act, error or omission in the performance of professional service. If applicable, include power of attorney \\(POA\\).\n-   **Fidelity Bond**  \nUpload a fidelity bond in the amount required by the applicable State. The name of the principal insured on the bond must exactly match the Full Legal Name of the applicant.\n-   **Flow of Funds Structure**  \nThis document is only required by a small number of states providing a description of each type of transaction or service to be conducted.\n-   **Formation Document**  \nA state certified copy of the corporate charter or articles of incorporation \\(if a corporation\\), or the articles of organization and operating agreement \\(if a limited liability company\\), or the partnership agreement \\(if a partnership of any form\\).\n-   **Management Chart**  \nThe management chart displays the applicant’s directors, officers, and managers \\(individual name and title\\) and identifies the compliance reporting and internal audit structure.\n-   **Mortgage Servicing Agreement**  \nAny written agreement or contract related to mortgage servicing rights.\n-   **Organizational Chart/Description**  \nA chart showing the owners",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls_mu_1_3_docupload_2.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls_mu_1_3_docupload_2.md",
      "headings": [
        "Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\) {#nmls_mu_1_3_docupload .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls_mu_1_3_docupload_2.html",
      "snippet": null
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    {
      "id": "maps/NMLS/reference/docDescriptions/nmls_mu_1_3_docupload_2.md:chunk-2",
      "title": "Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\) {#nmls_mu_1_3_docupload .concept}",
      "content": "al audit structure.\n-   **Mortgage Servicing Agreement**  \nAny written agreement or contract related to mortgage servicing rights.\n-   **Organizational Chart/Description**  \nA chart showing the ownership percentages of direct and indirect owners, affiliates, and subsidiaries.\n-   **Permissible Investments**  \nA list of the company's permissible investments, and the book or market value of such investments as of the date of the most recent audited financial statement and as of the date of the unaudited interim financial statement.\n-   **Surety Bond**  \nCopies of the original surety bond, riders, verification, and continuaiton certificates.\n-   **Surety Bond – Alternate Security Device**  \nThis document should be provided when an alternate device other than an electronic surety bond is permitted per jurisdiction requirements.\n-   **Trade Name/Assumed Name Registration Certificates**  \nA state-issued document demonstrating authorization to do business under an Other Trade Name.\n-   **Trust Account Authorization**  \nAuthorization allowing examination of trust accounts used for the purpose of holding funds belonging to others.\n-   **Warehouse Line of Credit Documentation**  \nDocumentation of Warehouse Lines of Credit. Add documentation of new active lines of credit and remove terminated or expired \\(inactive\\) lines of credit.\n\n**Parent topic:**Document Upload Descriptions and Examples",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls_mu_1_3_docupload_2.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls_mu_1_3_docupload_2.md",
      "headings": [
        "Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\) {#nmls_mu_1_3_docupload .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls_mu_1_3_docupload_2.html",
      "snippet": null
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    {
      "id": "maps/NMLS/reference/docDescriptions/nmls_mu_1_3_docupload_3.md:chunk-0",
      "title": "Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\) {#nmls_mu_1_3_docupload .concept}",
      "content": "# Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\) \n\nDescriptions and examples of the different types of documentation available for upload to Branch Filings in NMLS.\n\n-   **ACN Related Documents**  \n\n-   **Additional Requirement\\(s\\)**  \nThese are state-specific requirements, such as state-specific forms, proof of workers compenation, state-specific polices, etc.\n-   **AML/BSA Policy**  \nAnti-Money Laundering \\(AML\\) / Bank Secrecy Act \\(BSA\\) Policy\n-   **Branch Written Agreement**  \nThe contract between the branch manager and licensee, and the leasing agreement between the property owner and the branch, but does not include company level lease agreements.\n-   **Business Continuity Plan**  \nA Business Continuity Plan is the process and documentation that describes how a company plans, prevents, maintains, and/or recovers essential functions, systems, processes, and other business operations involving threats to the business, including during a disaster.\n-   **Business Continuity Operational Status Report**  \nA Business Continuity Operational Status Report provides specific detail on a company’s implementation of its Business Continuity Plan during a specific critical threat, including a disaster.\n-   **Business Plan**  \nA business plan outlining marketing strategies, products, target markets, fee schedule and operating structure the applicant intends to employ.\n-   **Certificate of Authority / Good Standing**  \nA state-issued and approved document \\(typically by the Secretary of State’s office\\), dated not more than 60 days prior to the filing of the application through NMLS that demonstrates authorization to do business.\n-   **Company Staffing and Internal Policies**  \nDocument\\(s\\) shall include information on staffing and internal organizational policies and procedures.\n-   **Debt Management Agreement**  \nA written contract, plan or agreement between a debt management provider and a consumer for performance of debt management services.\n-",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls_mu_1_3_docupload_3.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls_mu_1_3_docupload_3.md",
      "headings": [
        "Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\) {#nmls_mu_1_3_docupload .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls_mu_1_3_docupload_3.html",
      "snippet": null
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    {
      "id": "maps/NMLS/reference/docDescriptions/nmls_mu_1_3_docupload_3.md:chunk-1",
      "title": "Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\) {#nmls_mu_1_3_docupload .concept}",
      "content": "onal policies and procedures.\n-   **Debt Management Agreement**  \nA written contract, plan or agreement between a debt management provider and a consumer for performance of debt management services.\n-   **Designation of Branch Qualified Employee**  \nThe Designation of Qualified Employee for the Branch location is a document required by a small number of states.\n-   **Document Samples**  \nCopies of sample documents, contracts and agreements used in the regular course of business. This does not include Debt Management Agreements, Mortgage Servicing Agreements, Policies and Procedures or any document that contains a date of birth \\(DOB\\) or social security number \\(SSN\\).\n-   **Errors and Omissions \\(Insurance Policy\\)**  \nUpload proof of errors and omissions insurance protecting the applicant from liability arising from a negligent act, error or omission in the performance of professional service. If applicable, include power of attorney \\(POA\\).\n-   **Fidelity Bond**  \nUpload a fidelity bond in the amount required by the applicable State. The name of the principal insured on the bond must exactly match the Full Legal Name of the applicant.\n-   **Flow of Funds Structure**  \nThis document is only required by a small number of states providing a description of each type of transaction or service to be conducted.\n-   **Formation Document**  \nA state certified copy of the corporate charter or articles of incorporation \\(if a corporation\\), or the articles of organization and operating agreement \\(if a limited liability company\\), or the partnership agreement \\(if a partnership of any form\\).\n-   **Management Chart**  \nThe management chart displays the applicant’s directors, officers, and managers \\(individual name and title\\) and identifies the compliance reporting and internal audit structure.\n-   **Mortgage Servicing Agreement**  \nAny written agreement or contract related to mortgage servicing rights.\n-   **Organizational Chart/Description**  \nA chart showing the owners",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls_mu_1_3_docupload_3.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls_mu_1_3_docupload_3.md",
      "headings": [
        "Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\) {#nmls_mu_1_3_docupload .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls_mu_1_3_docupload_3.html",
      "snippet": null
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    {
      "id": "maps/NMLS/reference/docDescriptions/nmls_mu_1_3_docupload_3.md:chunk-2",
      "title": "Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\) {#nmls_mu_1_3_docupload .concept}",
      "content": "al audit structure.\n-   **Mortgage Servicing Agreement**  \nAny written agreement or contract related to mortgage servicing rights.\n-   **Organizational Chart/Description**  \nA chart showing the ownership percentages of direct and indirect owners, affiliates, and subsidiaries.\n-   **Permissible Investments**  \nA list of the company's permissible investments, and the book or market value of such investments as of the date of the most recent audited financial statement and as of the date of the unaudited interim financial statement.\n-   **Surety Bond**  \nCopies of the original surety bond, riders, verification, and continuaiton certificates.\n-   **Surety Bond – Alternate Security Device**  \nThis document should be provided when an alternate device other than an electronic surety bond is permitted per jurisdiction requirements.\n-   **Trade Name/Assumed Name Registration Certificates**  \nA state-issued document demonstrating authorization to do business under an Other Trade Name.\n-   **Trust Account Authorization**  \nAuthorization allowing examination of trust accounts used for the purpose of holding funds belonging to others.\n-   **Warehouse Line of Credit Documentation**  \nDocumentation of Warehouse Lines of Credit. Add documentation of new active lines of credit and remove terminated or expired \\(inactive\\) lines of credit.\n\n**Parent topic:**Document Upload Descriptions and Examples",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls_mu_1_3_docupload_3.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls_mu_1_3_docupload_3.md",
      "headings": [
        "Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\) {#nmls_mu_1_3_docupload .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls_mu_1_3_docupload_3.html",
      "snippet": null
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      "id": "maps/NMLS/reference/docDescriptions/nmls_mu_1_3_docupload_4.md:chunk-0",
      "title": "Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\) {#nmls_mu_1_3_docupload .concept}",
      "content": "# Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\) \n\nDescriptions and examples of the different types of documentation available for upload to Branch Filings in NMLS.\n\n-   **ACN Related Documents**  \n\n-   **Additional Requirement\\(s\\)**  \nThese are state-specific requirements, such as state-specific forms, proof of workers compenation, state-specific polices, etc.\n-   **AML/BSA Policy**  \nAnti-Money Laundering \\(AML\\) / Bank Secrecy Act \\(BSA\\) Policy\n-   **Branch Written Agreement**  \nThe contract between the branch manager and licensee, and the leasing agreement between the property owner and the branch, but does not include company level lease agreements.\n-   **Business Continuity Plan**  \nA Business Continuity Plan is the process and documentation that describes how a company plans, prevents, maintains, and/or recovers essential functions, systems, processes, and other business operations involving threats to the business, including during a disaster.\n-   **Business Continuity Operational Status Report**  \nA Business Continuity Operational Status Report provides specific detail on a company’s implementation of its Business Continuity Plan during a specific critical threat, including a disaster.\n-   **Business Plan**  \nA business plan outlining marketing strategies, products, target markets, fee schedule and operating structure the applicant intends to employ.\n-   **Certificate of Authority / Good Standing**  \nA state-issued and approved document \\(typically by the Secretary of State’s office\\), dated not more than 60 days prior to the filing of the application through NMLS that demonstrates authorization to do business.\n-   **Company Staffing and Internal Policies**  \nDocument\\(s\\) shall include information on staffing and internal organizational policies and procedures.\n-   **Debt Management Agreement**  \nA written contract, plan or agreement between a debt management provider and a consumer for performance of debt management services.\n-",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls_mu_1_3_docupload_4.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls_mu_1_3_docupload_4.md",
      "headings": [
        "Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\) {#nmls_mu_1_3_docupload .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls_mu_1_3_docupload_4.html",
      "snippet": null
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    {
      "id": "maps/NMLS/reference/docDescriptions/nmls_mu_1_3_docupload_4.md:chunk-1",
      "title": "Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\) {#nmls_mu_1_3_docupload .concept}",
      "content": "onal policies and procedures.\n-   **Debt Management Agreement**  \nA written contract, plan or agreement between a debt management provider and a consumer for performance of debt management services.\n-   **Designation of Branch Qualified Employee**  \nThe Designation of Qualified Employee for the Branch location is a document required by a small number of states.\n-   **Document Samples**  \nCopies of sample documents, contracts and agreements used in the regular course of business. This does not include Debt Management Agreements, Mortgage Servicing Agreements, Policies and Procedures or any document that contains a date of birth \\(DOB\\) or social security number \\(SSN\\).\n-   **Errors and Omissions \\(Insurance Policy\\)**  \nUpload proof of errors and omissions insurance protecting the applicant from liability arising from a negligent act, error or omission in the performance of professional service. If applicable, include power of attorney \\(POA\\).\n-   **Fidelity Bond**  \nUpload a fidelity bond in the amount required by the applicable State. The name of the principal insured on the bond must exactly match the Full Legal Name of the applicant.\n-   **Flow of Funds Structure**  \nThis document is only required by a small number of states providing a description of each type of transaction or service to be conducted.\n-   **Formation Document**  \nA state certified copy of the corporate charter or articles of incorporation \\(if a corporation\\), or the articles of organization and operating agreement \\(if a limited liability company\\), or the partnership agreement \\(if a partnership of any form\\).\n-   **Management Chart**  \nThe management chart displays the applicant’s directors, officers, and managers \\(individual name and title\\) and identifies the compliance reporting and internal audit structure.\n-   **Mortgage Servicing Agreement**  \nAny written agreement or contract related to mortgage servicing rights.\n-   **Organizational Chart/Description**  \nA chart showing the owners",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls_mu_1_3_docupload_4.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls_mu_1_3_docupload_4.md",
      "headings": [
        "Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\) {#nmls_mu_1_3_docupload .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls_mu_1_3_docupload_4.html",
      "snippet": null
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    {
      "id": "maps/NMLS/reference/docDescriptions/nmls_mu_1_3_docupload_4.md:chunk-2",
      "title": "Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\) {#nmls_mu_1_3_docupload .concept}",
      "content": "al audit structure.\n-   **Mortgage Servicing Agreement**  \nAny written agreement or contract related to mortgage servicing rights.\n-   **Organizational Chart/Description**  \nA chart showing the ownership percentages of direct and indirect owners, affiliates, and subsidiaries.\n-   **Permissible Investments**  \nA list of the company's permissible investments, and the book or market value of such investments as of the date of the most recent audited financial statement and as of the date of the unaudited interim financial statement.\n-   **Surety Bond**  \nCopies of the original surety bond, riders, verification, and continuaiton certificates.\n-   **Surety Bond – Alternate Security Device**  \nThis document should be provided when an alternate device other than an electronic surety bond is permitted per jurisdiction requirements.\n-   **Trade Name/Assumed Name Registration Certificates**  \nA state-issued document demonstrating authorization to do business under an Other Trade Name.\n-   **Trust Account Authorization**  \nAuthorization allowing examination of trust accounts used for the purpose of holding funds belonging to others.\n-   **Warehouse Line of Credit Documentation**  \nDocumentation of Warehouse Lines of Credit. Add documentation of new active lines of credit and remove terminated or expired \\(inactive\\) lines of credit.\n\n**Parent topic:**Document Upload Descriptions and Examples",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls_mu_1_3_docupload_4.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls_mu_1_3_docupload_4.md",
      "headings": [
        "Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\) {#nmls_mu_1_3_docupload .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls_mu_1_3_docupload_4.html",
      "snippet": null
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    {
      "id": "maps/NMLS/reference/docDescriptions/nmls_mu_docuploaddescexmp-1.md:chunk-0",
      "title": "Document Upload Descriptions and Examples {#nmls_mu_docuploaddescexmp .concept}",
      "content": "# Document Upload Descriptions and Examples \n\nDescriptions and examples of the different types of documentation available for upload to NMLS.\n\n**Note:** NOT ALL DOCUMENTS ARE REQUIRED BY ALL STATES. Review the state licensing checklists on the State Licensing Checklist Compiler of the NMLS Resource Center to determine the documents your state regulator requires for your specific license type.\n\n-   **Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)**  \nDescriptions and examples of the different types of documentation available for upload to Branch Filings in NMLS.\n-   **Documents Available for Upload to Individual Filings \\(MU2/MU4\\)**  \nDescriptions and examples of the different types of documentation available for upload to individual filings in NMLS.\n\n**Parent topic:**Managing Document Uploads",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls_mu_docuploaddescexmp-1.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls_mu_docuploaddescexmp-1.md",
      "headings": [
        "Document Upload Descriptions and Examples {#nmls_mu_docuploaddescexmp .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls_mu_docuploaddescexmp-1.html",
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      "id": "maps/NMLS/reference/docDescriptions/nmls_mu_docuploaddescexmp-1_2.md:chunk-0",
      "title": "Document Upload Descriptions and Examples {#nmls_mu_docuploaddescexmp .concept}",
      "content": "# Document Upload Descriptions and Examples \n\nDescriptions and examples of the different types of documentation available for upload to NMLS.\n\n**Note:** NOT ALL DOCUMENTS ARE REQUIRED BY ALL STATES. Review the state licensing checklists on the State Licensing Checklist Compiler of the NMLS Resource Center to determine the documents your state regulator requires for your specific license type.\n\n-   **Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)**  \nDescriptions and examples of the different types of documentation available for upload to Branch Filings in NMLS.\n-   **Documents Available for Upload to Individual Filings \\(MU2/MU4\\)**  \nDescriptions and examples of the different types of documentation available for upload to individual filings in NMLS.\n\n**Parent topic:**Managing Document Uploads",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls_mu_docuploaddescexmp-1_2.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls_mu_docuploaddescexmp-1_2.md",
      "headings": [
        "Document Upload Descriptions and Examples {#nmls_mu_docuploaddescexmp .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls_mu_docuploaddescexmp-1_2.html",
      "snippet": null
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      "id": "maps/NMLS/reference/docDescriptions/nmls_mu_docuploaddescexmp-1_3.md:chunk-0",
      "title": "Document Upload Descriptions and Examples {#nmls_mu_docuploaddescexmp .concept}",
      "content": "# Document Upload Descriptions and Examples \n\nDescriptions and examples of the different types of documentation available for upload to NMLS.\n\n**Note:** NOT ALL DOCUMENTS ARE REQUIRED BY ALL STATES. Review the state licensing checklists on the State Licensing Checklist Compiler of the NMLS Resource Center to determine the documents your state regulator requires for your specific license type.\n\n-   **Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)**  \nDescriptions and examples of the different types of documentation available for upload to Branch Filings in NMLS.\n-   **Documents Available for Upload to Individual Filings \\(MU2/MU4\\)**  \nDescriptions and examples of the different types of documentation available for upload to individual filings in NMLS.\n\n**Parent topic:**Appendices",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls_mu_docuploaddescexmp-1_3.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls_mu_docuploaddescexmp-1_3.md",
      "headings": [
        "Document Upload Descriptions and Examples {#nmls_mu_docuploaddescexmp .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls_mu_docuploaddescexmp-1_3.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls_mu_docuploaddescexmp-1_4.md:chunk-0",
      "title": "Document Upload Descriptions and Examples {#nmls_mu_docuploaddescexmp .concept}",
      "content": "# Document Upload Descriptions and Examples \n\nDescriptions and examples of the different types of documentation available for upload to NMLS.\n\n**Note:** NOT ALL DOCUMENTS ARE REQUIRED BY ALL STATES. Review the state licensing checklists on the State Licensing Checklist Compiler of the NMLS Resource Center to determine the documents your state regulator requires for your specific license type.\n\n-   **Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\)**  \nDescriptions and examples of the different types of documentation available for upload to Branch Filings in NMLS.\n-   **Documents Available for Upload to Individual Filings \\(MU2/MU4\\)**  \nDescriptions and examples of the different types of documentation available for upload to individual filings in NMLS.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls_mu_docuploaddescexmp-1_4.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls_mu_docuploaddescexmp-1_4.md",
      "headings": [
        "Document Upload Descriptions and Examples {#nmls_mu_docuploaddescexmp .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls_mu_docuploaddescexmp-1_4.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls_mu_docuploaddescexmp-2.md:chunk-0",
      "title": "Document Upload Descriptions and Examples {#nmls_mu_docuploaddescexmp .concept}",
      "content": "# Document Upload Descriptions and Examples \n\nDescriptions and examples of the different types of documentation available for upload to NMLS.\n\n**Note:** NOT ALL DOCUMENTS ARE REQUIRED BY ALL STATES. Review the state licensing checklists on the State Licensing Checklist Compiler of the NMLS Resource Center to determine the documents your state regulator requires for your specific license type.\n\n**Parent topic:**Managing Document Uploads\n\n**Parent topic:**Managing Document Uploads\n\n**Parent topic:**Appendices\n\n**Related information**  \n\nUpload Documents for Individual Filings\n\nUploading Documents on the Individual MU4 Form\n\nDeleting and Amending Uploaded Documentation\n\nAbout the Document Library",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls_mu_docuploaddescexmp-2.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls_mu_docuploaddescexmp-2.md",
      "headings": [
        "Document Upload Descriptions and Examples {#nmls_mu_docuploaddescexmp .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls_mu_docuploaddescexmp-2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/docDescriptions/nmls_mu_docuploaddescexmp.md:chunk-0",
      "title": "Document Upload Descriptions and Examples {#nmls_mu_docuploaddescexmp .concept}",
      "content": "# Document Upload Descriptions and Examples \n\nDescriptions and examples of the different types of documentation available for upload to NMLS.\n\n**Note:** NOT ALL DOCUMENTS ARE REQUIRED BY ALL STATES. Review the state licensing checklists on the State Licensing Checklist Compiler of the NMLS Resource Center to determine the documents your state regulator requires for your specific license type.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\docDescriptions\\nmls_mu_docuploaddescexmp.md",
      "relative_path": "maps\\NMLS\\reference\\docDescriptions\\nmls_mu_docuploaddescexmp.md",
      "headings": [
        "Document Upload Descriptions and Examples {#nmls_mu_docuploaddescexmp .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/docDescriptions/nmls_mu_docuploaddescexmp.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/esb_BORtermsGlossgroup.md:chunk-0",
      "title": "BOR Change Status Terms {#xd_ce249bf7f1de6244--290e2ab-19990ca3186--7fee .glossgroup}",
      "content": "# BOR Change Status Terms \n\n**Parent topic:**Electronic Surety Bond \\(ESB\\) Glossary\n\n## `Pending` \n\nSurety company has submitted the BOR change on behalf of the Licensee.\n\n**Note:** Applies to Electronic Surety Bond broker of record\n\n## `Confirmed` \n\nLicensee has confirmed the BOR change.\n\n**Note:** Applies to Electronic Surety Bond broker of record\n\n## `Declined` \n\nLicensee has declined the BOR change.\n\n**Note:** Applies to Electronic Surety Bond broker of record",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\esb_BORtermsGlossgroup.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\esb_BORtermsGlossgroup.md",
      "headings": [
        "BOR Change Status Terms {#xd_ce249bf7f1de6244--290e2ab-19990ca3186--7fee .glossgroup}",
        "`Pending` {#id_k31_ltn_wgc}",
        "`Confirmed` {#id_htz_rtn_wgc}",
        "`Declined` {#id_xyf_ztn_wgc}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/esb_BORtermsGlossgroup.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/esb_BORtermsGlossgroup_2.md:chunk-0",
      "title": "BOR Change Status Terms {#xd_ce249bf7f1de6244--290e2ab-19990ca3186--7fee .glossgroup}",
      "content": "# BOR Change Status Terms \n\n**Parent topic:**Electronic Surety Bond \\(ESB\\) Glossary\n\n## `Pending` \n\nSurety company has submitted the BOR change on behalf of the Licensee.\n\n**Note:** Applies to Electronic Surety Bond broker of record\n\n## `Confirmed` \n\nLicensee has confirmed the BOR change.\n\n**Note:** Applies to Electronic Surety Bond broker of record\n\n## `Declined` \n\nLicensee has declined the BOR change.\n\n**Note:** Applies to Electronic Surety Bond broker of record",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\esb_BORtermsGlossgroup_2.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\esb_BORtermsGlossgroup_2.md",
      "headings": [
        "BOR Change Status Terms {#xd_ce249bf7f1de6244--290e2ab-19990ca3186--7fee .glossgroup}",
        "`Pending` {#id_k31_ltn_wgc}",
        "`Confirmed` {#id_htz_rtn_wgc}",
        "`Declined` {#id_xyf_ztn_wgc}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/esb_BORtermsGlossgroup_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/esb_BORtermsGlossgroup_3.md:chunk-0",
      "title": "BOR Change Status Terms {#xd_ce249bf7f1de6244--290e2ab-19990ca3186--7fee .glossgroup}",
      "content": "# BOR Change Status Terms \n\n**Parent topic:**Electronic Surety Bond \\(ESB\\) Glossary\n\n## `Pending` \n\nSurety company has submitted the BOR change on behalf of the Licensee.\n\n**Note:** Applies to Electronic Surety Bond broker of record\n\n## `Confirmed` \n\nLicensee has confirmed the BOR change.\n\n**Note:** Applies to Electronic Surety Bond broker of record\n\n## `Declined` \n\nLicensee has declined the BOR change.\n\n**Note:** Applies to Electronic Surety Bond broker of record",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\esb_BORtermsGlossgroup_3.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\esb_BORtermsGlossgroup_3.md",
      "headings": [
        "BOR Change Status Terms {#xd_ce249bf7f1de6244--290e2ab-19990ca3186--7fee .glossgroup}",
        "`Pending` {#id_k31_ltn_wgc}",
        "`Confirmed` {#id_htz_rtn_wgc}",
        "`Declined` {#id_xyf_ztn_wgc}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/esb_BORtermsGlossgroup_3.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/esb_GlossaryGroup.md:chunk-0",
      "title": "Electronic Surety Bond \\(ESB\\) Terms {#xd_ce249bf7f1de6244--290e2ab-19990ca3186--7ff1 .glossgroup}",
      "content": "# Electronic Surety Bond \\(ESB\\) Terms \n\n**Parent topic:**Electronic Surety Bond \\(ESB\\) Glossary\n\n## association \n\nIn the context of ESB tracking, it is the relationship between surety company and surety bond producer. The surety company will grant the surety bond producer the ability to create and manage the bond/rider on behalf of surety company subject to identified state authorizations and bond limits. Only representatives designated in the Association are be able to sign bonds/riders on behalf of the surety company.\n\n**Note:** Applies to Electronic Surety Bonds\n\n## attorney-in-fact \n\nAn entity that holds a Power of Attorney, granted by a surety company, empowering the execution of a surety bond. In the context of ESB tracking, the attorney-in-fact is the representative of surety bond producer with execution authority.\n\n**Note:** Applies to Electronic Surety Bonds\n\n## authority \n\nIn the context of ESB tracking, authority provides a surety entity with access to the licensee for the purpose of managing bonds on behalf of the licensee.\n\n**Note:** Applies to Electronic Surety Bonds\n\n## bond amount \n\nAlso called penal amount or penal sum, it is the amount of liability under a bond.\n\n**Note:** Applies to Electronic Surety Bonds\n\n## bond limit \n\nThe maximum bond amount that a surety entity is allowed to enter when creating or updating the bond.\n\n**Note:** Applies to Electronic Surety Bonds\n\n## bond number \n\nAn alphanumeric identifier that is issued by a surety entity and associated with a bond. In the context of ESB tracking, a bond number is required when an existing bond is converted or a new bond is created in NMLS.\n\n**Note:** Applies to Electronic Surety Bonds\n\n## bond status \n\nIn the context of ESB tracking, a status associated with a bond in NMLS ESB.\n\n**Note:** Applies to Electronic Surety Bonds\n\n## broker of record \n\nAn entity that has a contractual agreement with a principal in the management of surety bond/rider. In the context of ESB tracking, a BOR with ex",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\esb_GlossaryGroup.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\esb_GlossaryGroup.md",
      "headings": [
        "Electronic Surety Bond \\(ESB\\) Terms {#xd_ce249bf7f1de6244--290e2ab-19990ca3186--7ff1 .glossgroup}",
        "association {#id_tc2_4sl_wgc}",
        "attorney-in-fact {#id_us1_3tl_wgc}",
        "authority {#id_tfk_stl_wgc}",
        "bond amount {#id_vwd_d5l_wgc}",
        "bond limit {#id_glq_w5l_wgc}",
        "bond number {#id_ebc_twl_wgc}",
        "bond status {#id_wgk_dxl_wgc}",
        "broker of record {#id_awx_jyl_wgc}",
        "BOR {#glossAlt_kx3_vxl_wgc .glossAlt}",
        "BOR Change {#id_vw1_czl_wgc}",
        "cancelled bond {#id_kw3_lzl_wgc}",
        "converted bond {#id_ds2_2cm_wgc}",
        "deleted bond or rider {#id_eyx_rhm_wgc}",
        "delivered bond {#id_u5y_sjm_wgc}",
        "effective date {#id_zdv_1lm_wgc}",
        "executed bond {#id_mkp_3lm_wgc}",
        "execution authority {#id_uvk_2bn_wgc}",
        "incoming [broker of record](g_ESB_brokerOfRecord.md) {#id_rt2_wcn_wgc}",
        "New BOR {#glossAlt_dtj_kcn_wgc .glossAlt}",
        "licensee {#id_imv_qdn_wgc}",
        "Principal {#glossAlt_ry2_ndn_wgc .glossAlt}",
        "minimum bond amount {#id_dcb_r2n_wgc}",
        "National Association of Insurance Commissioners number {#id_jx1_mfn_wgc}",
        "NAIC number {#glossAlt_gln_gfn_wgc .glossAlt}",
        "notice of cancellation {#id_cnj_xfn_wgc}",
        "NPN number {#id_y53_ngn_wgc}",
        "obligee {#id_xrt_zgn_wgc}",
        "Regulator {#glossAlt_wzv_vgn_wgc .glossAlt}",
        "other trade name {#id_elh_4hn_wgc}",
        "Doing Business As \\(DBA\\) {#glossAlt_wzv_vgn_wgc .glossAlt}",
        "OTN {#glossAlt_mhl_3hn_wgc .glossAlt}",
        "outgoing BOR {#id_ntt_b3n_wgc}",
        "Current BOR {#glossAlt_mhl_3hn_wgc .glossAlt}",
        "perpetual bond {#id_dlm_m3n_wgc}",
        "principal {#id_gvg_qln_wgc}",
        "Obligor {#glossAlt_ys3_dln_wgc .glossAlt}",
        "reinstated bond {#id_ivn_bmn_wgc}",
        "representative {#id_jhb_lmn_wgc}",
        "rescind cancellation {#id_qfb_vmn_wgc}",
        "state agency {#id_b3k_dnn_wgc}",
        "state authorization {#id_j4m_knn_wgc}",
        "surety bond {#id_fqp_snn_wgc}",
        "surety bond producer {#id_svy_14n_wgc}",
        "agent {#glossAlt_hkz_xnn_wgc .glossAlt}",
        "surety bond rider {#id_ak1_k4n_wgc}",
        "surety company {#id_l31_54n_wgc}",
        "broker {#glossAlt_d3s_44n_wgc .glossAlt}",
        "carrier {#glossAlt_uh3_p4n_wgc .glossAlt}",
        "surety entities {#id_xvj_bpn_wgc}",
        "underwriter {#id_jps_4pn_wgc}",
        "underwriting company {#id_dqv_zpn_wgc}",
        "writing paper {#glossAlt_gbz_5pn_wgc .glossAlt}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/esb_GlossaryGroup.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/esb_GlossaryGroup.md:chunk-1",
      "title": "Electronic Surety Bond \\(ESB\\) Terms {#xd_ce249bf7f1de6244--290e2ab-19990ca3186--7ff1 .glossgroup}",
      "content": "lies to Electronic Surety Bonds\n\n## broker of record \n\nAn entity that has a contractual agreement with a principal in the management of surety bond/rider. In the context of ESB tracking, a BOR with execution authority will be able to sign the bond/rider, a BOR without execution authority will not be able sign the bond / rider and in this case, the bond / rider will need to be signed by the associated surety company.\n\nBroker of Record \\(BOR\\)\n\n**Note:** Applies to Electronic Surety Bonds\n\n### BOR \n\n## BOR Change \n\nThe process for a surety company to replace an existing \\(outgoing\\) broker of record with a new \\(incoming\\) BOR. In the context of ESB tracking, a BOR change is initiated by the surety company and must be confirmed by the licensee.\n\n**Note:** Applies to Electronic Surety Bonds\n\n## cancelled bond \n\nA bond that has been specifically cancelled by the issuing surety company/surety bond producer and is then considered to be \"inactive\" in NMLS, but sometimes continues to hold the obligations set forth in the Bond Terms.\n\n**Note:** Applies to Electronic Surety Bonds\n\n## converted bond \n\nThe process for surety entity to convert a paper bond that has previously been delivered to a regulator outside NMLS to an electronic bond, the surety entity should identify the bond as a converted bond. The effective date for a converted bond will default to the surety signatory date.\n\n**Note:** Applies to Electronic Surety Bonds\n\n## deleted bond or rider \n\nIn the context of ESB tracking, a surety entity will be able to delete a bond or rider in a `Requires Rep Signature` or `Returned to Surety` status. Once deleted, the bond or rider will no longer be visible to NMLS users. However, a record will be retained in the database.\n\n**Note:** Applies to Electronic Surety Bonds\n\n## delivered bond \n\nOnce the bond is signed by the surety and licensee, it is ready to be delivered. If the licensee has an existing license, the bond will be delivered immediately to the regulator. If the lice",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\esb_GlossaryGroup.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\esb_GlossaryGroup.md",
      "headings": [
        "Electronic Surety Bond \\(ESB\\) Terms {#xd_ce249bf7f1de6244--290e2ab-19990ca3186--7ff1 .glossgroup}",
        "association {#id_tc2_4sl_wgc}",
        "attorney-in-fact {#id_us1_3tl_wgc}",
        "authority {#id_tfk_stl_wgc}",
        "bond amount {#id_vwd_d5l_wgc}",
        "bond limit {#id_glq_w5l_wgc}",
        "bond number {#id_ebc_twl_wgc}",
        "bond status {#id_wgk_dxl_wgc}",
        "broker of record {#id_awx_jyl_wgc}",
        "BOR {#glossAlt_kx3_vxl_wgc .glossAlt}",
        "BOR Change {#id_vw1_czl_wgc}",
        "cancelled bond {#id_kw3_lzl_wgc}",
        "converted bond {#id_ds2_2cm_wgc}",
        "deleted bond or rider {#id_eyx_rhm_wgc}",
        "delivered bond {#id_u5y_sjm_wgc}",
        "effective date {#id_zdv_1lm_wgc}",
        "executed bond {#id_mkp_3lm_wgc}",
        "execution authority {#id_uvk_2bn_wgc}",
        "incoming [broker of record](g_ESB_brokerOfRecord.md) {#id_rt2_wcn_wgc}",
        "New BOR {#glossAlt_dtj_kcn_wgc .glossAlt}",
        "licensee {#id_imv_qdn_wgc}",
        "Principal {#glossAlt_ry2_ndn_wgc .glossAlt}",
        "minimum bond amount {#id_dcb_r2n_wgc}",
        "National Association of Insurance Commissioners number {#id_jx1_mfn_wgc}",
        "NAIC number {#glossAlt_gln_gfn_wgc .glossAlt}",
        "notice of cancellation {#id_cnj_xfn_wgc}",
        "NPN number {#id_y53_ngn_wgc}",
        "obligee {#id_xrt_zgn_wgc}",
        "Regulator {#glossAlt_wzv_vgn_wgc .glossAlt}",
        "other trade name {#id_elh_4hn_wgc}",
        "Doing Business As \\(DBA\\) {#glossAlt_wzv_vgn_wgc .glossAlt}",
        "OTN {#glossAlt_mhl_3hn_wgc .glossAlt}",
        "outgoing BOR {#id_ntt_b3n_wgc}",
        "Current BOR {#glossAlt_mhl_3hn_wgc .glossAlt}",
        "perpetual bond {#id_dlm_m3n_wgc}",
        "principal {#id_gvg_qln_wgc}",
        "Obligor {#glossAlt_ys3_dln_wgc .glossAlt}",
        "reinstated bond {#id_ivn_bmn_wgc}",
        "representative {#id_jhb_lmn_wgc}",
        "rescind cancellation {#id_qfb_vmn_wgc}",
        "state agency {#id_b3k_dnn_wgc}",
        "state authorization {#id_j4m_knn_wgc}",
        "surety bond {#id_fqp_snn_wgc}",
        "surety bond producer {#id_svy_14n_wgc}",
        "agent {#glossAlt_hkz_xnn_wgc .glossAlt}",
        "surety bond rider {#id_ak1_k4n_wgc}",
        "surety company {#id_l31_54n_wgc}",
        "broker {#glossAlt_d3s_44n_wgc .glossAlt}",
        "carrier {#glossAlt_uh3_p4n_wgc .glossAlt}",
        "surety entities {#id_xvj_bpn_wgc}",
        "underwriter {#id_jps_4pn_wgc}",
        "underwriting company {#id_dqv_zpn_wgc}",
        "writing paper {#glossAlt_gbz_5pn_wgc .glossAlt}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/esb_GlossaryGroup.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/esb_GlossaryGroup.md:chunk-2",
      "title": "Electronic Surety Bond \\(ESB\\) Terms {#xd_ce249bf7f1de6244--290e2ab-19990ca3186--7ff1 .glossgroup}",
      "content": "ed bond \n\nOnce the bond is signed by the surety and licensee, it is ready to be delivered. If the licensee has an existing license, the bond will be delivered immediately to the regulator. If the licensee has a pending license application, the bond will be delivered to the regulator at the time the license application is submitted.\n\n**Note:** Applies to Electronic Surety Bonds\n\n## effective date \n\nAlso called bond effective date, the date on which bond coverage becomes effective. In the context of ESB tracking, the effective date for a converted bond is populated with the surety signatory date. The Effective Date for a new bond can be provided by the surety.\n\n**Note:** Applies to Electronic Surety Bonds\n\n**Note:** alternative term for bond effective date\n\n## executed bond \n\nA bond that has been prepared and signed by a surety entity and subsequently reviewed and signed by the Licensee.\n\n**Note:** Applies to Electronic Surety Bonds\n\n## execution authority \n\nIn the context of ESB tracking, the power and authority granted by surety company, through power of attorney, to surety bond producer, who will be able to take certain actions or to bind the surety company to specified obligations\n\n**Note:** Applies to Electronic Surety Bonds\n\n## incoming broker of record \n\nWhen a licensee decides to end a business arrangement with one surety bond producer and begins working with a new surety bond producer, a new broker of record relationship is established between the licensee/principal and the new surety bond producer. In the context of ESB tracking, confirmation of the broker of record change will be allowed only when all pending surety bonds and riders have been delivered or deleted.\n\n**Note:** Applies to Electronic Surety Bonds\n\n### New BOR \n\n## licensee \n\nA person, company, etc., to whom a license is granted or issued by state agencies, in order to conduct related business in the jurisdiction. With respect to surety bonds, the Licensee is the Principal on the bond.\n\n**Note:*",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\esb_GlossaryGroup.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\esb_GlossaryGroup.md",
      "headings": [
        "Electronic Surety Bond \\(ESB\\) Terms {#xd_ce249bf7f1de6244--290e2ab-19990ca3186--7ff1 .glossgroup}",
        "association {#id_tc2_4sl_wgc}",
        "attorney-in-fact {#id_us1_3tl_wgc}",
        "authority {#id_tfk_stl_wgc}",
        "bond amount {#id_vwd_d5l_wgc}",
        "bond limit {#id_glq_w5l_wgc}",
        "bond number {#id_ebc_twl_wgc}",
        "bond status {#id_wgk_dxl_wgc}",
        "broker of record {#id_awx_jyl_wgc}",
        "BOR {#glossAlt_kx3_vxl_wgc .glossAlt}",
        "BOR Change {#id_vw1_czl_wgc}",
        "cancelled bond {#id_kw3_lzl_wgc}",
        "converted bond {#id_ds2_2cm_wgc}",
        "deleted bond or rider {#id_eyx_rhm_wgc}",
        "delivered bond {#id_u5y_sjm_wgc}",
        "effective date {#id_zdv_1lm_wgc}",
        "executed bond {#id_mkp_3lm_wgc}",
        "execution authority {#id_uvk_2bn_wgc}",
        "incoming [broker of record](g_ESB_brokerOfRecord.md) {#id_rt2_wcn_wgc}",
        "New BOR {#glossAlt_dtj_kcn_wgc .glossAlt}",
        "licensee {#id_imv_qdn_wgc}",
        "Principal {#glossAlt_ry2_ndn_wgc .glossAlt}",
        "minimum bond amount {#id_dcb_r2n_wgc}",
        "National Association of Insurance Commissioners number {#id_jx1_mfn_wgc}",
        "NAIC number {#glossAlt_gln_gfn_wgc .glossAlt}",
        "notice of cancellation {#id_cnj_xfn_wgc}",
        "NPN number {#id_y53_ngn_wgc}",
        "obligee {#id_xrt_zgn_wgc}",
        "Regulator {#glossAlt_wzv_vgn_wgc .glossAlt}",
        "other trade name {#id_elh_4hn_wgc}",
        "Doing Business As \\(DBA\\) {#glossAlt_wzv_vgn_wgc .glossAlt}",
        "OTN {#glossAlt_mhl_3hn_wgc .glossAlt}",
        "outgoing BOR {#id_ntt_b3n_wgc}",
        "Current BOR {#glossAlt_mhl_3hn_wgc .glossAlt}",
        "perpetual bond {#id_dlm_m3n_wgc}",
        "principal {#id_gvg_qln_wgc}",
        "Obligor {#glossAlt_ys3_dln_wgc .glossAlt}",
        "reinstated bond {#id_ivn_bmn_wgc}",
        "representative {#id_jhb_lmn_wgc}",
        "rescind cancellation {#id_qfb_vmn_wgc}",
        "state agency {#id_b3k_dnn_wgc}",
        "state authorization {#id_j4m_knn_wgc}",
        "surety bond {#id_fqp_snn_wgc}",
        "surety bond producer {#id_svy_14n_wgc}",
        "agent {#glossAlt_hkz_xnn_wgc .glossAlt}",
        "surety bond rider {#id_ak1_k4n_wgc}",
        "surety company {#id_l31_54n_wgc}",
        "broker {#glossAlt_d3s_44n_wgc .glossAlt}",
        "carrier {#glossAlt_uh3_p4n_wgc .glossAlt}",
        "surety entities {#id_xvj_bpn_wgc}",
        "underwriter {#id_jps_4pn_wgc}",
        "underwriting company {#id_dqv_zpn_wgc}",
        "writing paper {#glossAlt_gbz_5pn_wgc .glossAlt}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/esb_GlossaryGroup.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/esb_GlossaryGroup.md:chunk-3",
      "title": "Electronic Surety Bond \\(ESB\\) Terms {#xd_ce249bf7f1de6244--290e2ab-19990ca3186--7ff1 .glossgroup}",
      "content": ", to whom a license is granted or issued by state agencies, in order to conduct related business in the jurisdiction. With respect to surety bonds, the Licensee is the Principal on the bond.\n\n**Note:** Applies to Electronic Surety Bonds\n\n### Principal \n\nprincipal\n\n## minimum bond amount \n\nThe minimum bond amount that is required by state agency for a surety bond associated with a specific license type.\n\n**Note:** Applies to Electronic Surety Bonds\n\n## National Association of Insurance Commissioners number \n\nUnique identifier for a surety company assigned by the National Association of Insurance Commissioners. In the context of ESB tracking, NAIC number will be used throughout NMLS to identify a surety company.\n\nNational Association of Insurance Commissioners \\(NAIC\\) number\n\n**Note:** Applies to Electronic Surety Bonds\n\n### NAIC number \n\n## notice of cancellation \n\nSubmission by a surety company indicating a bond will be cancelled on the effective date provided. If cancelled prior to delivery to the regulator, cancellation is immediate. Once delivered to the regulator, if permitted by the state, notice of cancellation must comply with state advance notice requirements. Upon submission, the bond status will be updated to `Notice of Cancellation`.\n\n**Note:** Applies to Electronic Surety Bonds\n\n## NPN number \n\nUnique identifier assigned by the National Association of Insurance Commissioners \\(NAIC\\) through the licensing application process or the NAIC reporting systems to individuals and business entities \\(including, but not limited to producers, adjusters, and navigators\\) engaged in insurance related activities regulated by a state insurance department. The NPN is used to track those individuals and business entities on a national basis. In the context of ESB tracking, this unique identifier will be used throughout NMLS to identify a Representative of a Surety Bond Producer.\n\n**Note:** Applies to Electronic Surety Bonds\n\n## obligee \n\nThe entity that is protected ag",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\esb_GlossaryGroup.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\esb_GlossaryGroup.md",
      "headings": [
        "Electronic Surety Bond \\(ESB\\) Terms {#xd_ce249bf7f1de6244--290e2ab-19990ca3186--7ff1 .glossgroup}",
        "association {#id_tc2_4sl_wgc}",
        "attorney-in-fact {#id_us1_3tl_wgc}",
        "authority {#id_tfk_stl_wgc}",
        "bond amount {#id_vwd_d5l_wgc}",
        "bond limit {#id_glq_w5l_wgc}",
        "bond number {#id_ebc_twl_wgc}",
        "bond status {#id_wgk_dxl_wgc}",
        "broker of record {#id_awx_jyl_wgc}",
        "BOR {#glossAlt_kx3_vxl_wgc .glossAlt}",
        "BOR Change {#id_vw1_czl_wgc}",
        "cancelled bond {#id_kw3_lzl_wgc}",
        "converted bond {#id_ds2_2cm_wgc}",
        "deleted bond or rider {#id_eyx_rhm_wgc}",
        "delivered bond {#id_u5y_sjm_wgc}",
        "effective date {#id_zdv_1lm_wgc}",
        "executed bond {#id_mkp_3lm_wgc}",
        "execution authority {#id_uvk_2bn_wgc}",
        "incoming [broker of record](g_ESB_brokerOfRecord.md) {#id_rt2_wcn_wgc}",
        "New BOR {#glossAlt_dtj_kcn_wgc .glossAlt}",
        "licensee {#id_imv_qdn_wgc}",
        "Principal {#glossAlt_ry2_ndn_wgc .glossAlt}",
        "minimum bond amount {#id_dcb_r2n_wgc}",
        "National Association of Insurance Commissioners number {#id_jx1_mfn_wgc}",
        "NAIC number {#glossAlt_gln_gfn_wgc .glossAlt}",
        "notice of cancellation {#id_cnj_xfn_wgc}",
        "NPN number {#id_y53_ngn_wgc}",
        "obligee {#id_xrt_zgn_wgc}",
        "Regulator {#glossAlt_wzv_vgn_wgc .glossAlt}",
        "other trade name {#id_elh_4hn_wgc}",
        "Doing Business As \\(DBA\\) {#glossAlt_wzv_vgn_wgc .glossAlt}",
        "OTN {#glossAlt_mhl_3hn_wgc .glossAlt}",
        "outgoing BOR {#id_ntt_b3n_wgc}",
        "Current BOR {#glossAlt_mhl_3hn_wgc .glossAlt}",
        "perpetual bond {#id_dlm_m3n_wgc}",
        "principal {#id_gvg_qln_wgc}",
        "Obligor {#glossAlt_ys3_dln_wgc .glossAlt}",
        "reinstated bond {#id_ivn_bmn_wgc}",
        "representative {#id_jhb_lmn_wgc}",
        "rescind cancellation {#id_qfb_vmn_wgc}",
        "state agency {#id_b3k_dnn_wgc}",
        "state authorization {#id_j4m_knn_wgc}",
        "surety bond {#id_fqp_snn_wgc}",
        "surety bond producer {#id_svy_14n_wgc}",
        "agent {#glossAlt_hkz_xnn_wgc .glossAlt}",
        "surety bond rider {#id_ak1_k4n_wgc}",
        "surety company {#id_l31_54n_wgc}",
        "broker {#glossAlt_d3s_44n_wgc .glossAlt}",
        "carrier {#glossAlt_uh3_p4n_wgc .glossAlt}",
        "surety entities {#id_xvj_bpn_wgc}",
        "underwriter {#id_jps_4pn_wgc}",
        "underwriting company {#id_dqv_zpn_wgc}",
        "writing paper {#glossAlt_gbz_5pn_wgc .glossAlt}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/esb_GlossaryGroup.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/esb_GlossaryGroup.md:chunk-4",
      "title": "Electronic Surety Bond \\(ESB\\) Terms {#xd_ce249bf7f1de6244--290e2ab-19990ca3186--7ff1 .glossgroup}",
      "content": " this unique identifier will be used throughout NMLS to identify a Representative of a Surety Bond Producer.\n\n**Note:** Applies to Electronic Surety Bonds\n\n## obligee \n\nThe entity that is protected against loss by a surety bond. In the context of ESB tracking, the obligee is the state agency.\n\n**Note:** Applies to Electronic Surety Bonds\n\n### Regulator \n\n## other trade name \n\nOther trade name is the business name under which the license conducts its business.\n\nOther Trade Name \\(OTN\\)\n\n**Note:** Applies to Electronic Surety Bonds\n\n### Doing Business As \\(DBA\\) \n\n### OTN \n\n## outgoing BOR \n\nThe surety entity that currently has an existing broker of record relationship with the licensee/principal, but the licensee/principal has decided to terminate the current business relationship.\n\n**Note:** Applies to Electronic Surety Bonds\n\n### Current BOR \n\nbroker of record\n\n## perpetual bond \n\nA type of bond that doesn’t have an expiration date.\n\n**Note:** Applies to Electronic Surety Bonds\n\n## principal \n\nIn suretyship, the party whose actions, honesty or responsibility is to be guaranteed. In the context of ESB tracking, the principal is the licensee.\n\n**Note:** Applies to Electronic Surety Bonds\n\n### Obligor \n\nlicensee\n\n## reinstated bond \n\nIn the context of ESB tracking, a surety company will be able to reinstate a cancelled bond if the Cancellation Effective Date is in the past. The bond will be set back to an `Executed` status when the reinstatement is submitted as of the Cancellation Effective Date.\n\n**Note:** Applies to Electronic Surety Bonds\n\n## representative \n\nIn the context of ESB tracking, this is a person associated to a surety company or a surety bond producer, who can manage bonds on behalf of the surety company or surety bond producer. The Representative's bond management ability is limited by the roles assigned to that Representative, state authorizations indicated and bond limits indicated.\n\n**Note:** Applies to Electronic Surety Bonds\n\n## rescind cancellati",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\esb_GlossaryGroup.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\esb_GlossaryGroup.md",
      "headings": [
        "Electronic Surety Bond \\(ESB\\) Terms {#xd_ce249bf7f1de6244--290e2ab-19990ca3186--7ff1 .glossgroup}",
        "association {#id_tc2_4sl_wgc}",
        "attorney-in-fact {#id_us1_3tl_wgc}",
        "authority {#id_tfk_stl_wgc}",
        "bond amount {#id_vwd_d5l_wgc}",
        "bond limit {#id_glq_w5l_wgc}",
        "bond number {#id_ebc_twl_wgc}",
        "bond status {#id_wgk_dxl_wgc}",
        "broker of record {#id_awx_jyl_wgc}",
        "BOR {#glossAlt_kx3_vxl_wgc .glossAlt}",
        "BOR Change {#id_vw1_czl_wgc}",
        "cancelled bond {#id_kw3_lzl_wgc}",
        "converted bond {#id_ds2_2cm_wgc}",
        "deleted bond or rider {#id_eyx_rhm_wgc}",
        "delivered bond {#id_u5y_sjm_wgc}",
        "effective date {#id_zdv_1lm_wgc}",
        "executed bond {#id_mkp_3lm_wgc}",
        "execution authority {#id_uvk_2bn_wgc}",
        "incoming [broker of record](g_ESB_brokerOfRecord.md) {#id_rt2_wcn_wgc}",
        "New BOR {#glossAlt_dtj_kcn_wgc .glossAlt}",
        "licensee {#id_imv_qdn_wgc}",
        "Principal {#glossAlt_ry2_ndn_wgc .glossAlt}",
        "minimum bond amount {#id_dcb_r2n_wgc}",
        "National Association of Insurance Commissioners number {#id_jx1_mfn_wgc}",
        "NAIC number {#glossAlt_gln_gfn_wgc .glossAlt}",
        "notice of cancellation {#id_cnj_xfn_wgc}",
        "NPN number {#id_y53_ngn_wgc}",
        "obligee {#id_xrt_zgn_wgc}",
        "Regulator {#glossAlt_wzv_vgn_wgc .glossAlt}",
        "other trade name {#id_elh_4hn_wgc}",
        "Doing Business As \\(DBA\\) {#glossAlt_wzv_vgn_wgc .glossAlt}",
        "OTN {#glossAlt_mhl_3hn_wgc .glossAlt}",
        "outgoing BOR {#id_ntt_b3n_wgc}",
        "Current BOR {#glossAlt_mhl_3hn_wgc .glossAlt}",
        "perpetual bond {#id_dlm_m3n_wgc}",
        "principal {#id_gvg_qln_wgc}",
        "Obligor {#glossAlt_ys3_dln_wgc .glossAlt}",
        "reinstated bond {#id_ivn_bmn_wgc}",
        "representative {#id_jhb_lmn_wgc}",
        "rescind cancellation {#id_qfb_vmn_wgc}",
        "state agency {#id_b3k_dnn_wgc}",
        "state authorization {#id_j4m_knn_wgc}",
        "surety bond {#id_fqp_snn_wgc}",
        "surety bond producer {#id_svy_14n_wgc}",
        "agent {#glossAlt_hkz_xnn_wgc .glossAlt}",
        "surety bond rider {#id_ak1_k4n_wgc}",
        "surety company {#id_l31_54n_wgc}",
        "broker {#glossAlt_d3s_44n_wgc .glossAlt}",
        "carrier {#glossAlt_uh3_p4n_wgc .glossAlt}",
        "surety entities {#id_xvj_bpn_wgc}",
        "underwriter {#id_jps_4pn_wgc}",
        "underwriting company {#id_dqv_zpn_wgc}",
        "writing paper {#glossAlt_gbz_5pn_wgc .glossAlt}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/esb_GlossaryGroup.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/esb_GlossaryGroup.md:chunk-5",
      "title": "Electronic Surety Bond \\(ESB\\) Terms {#xd_ce249bf7f1de6244--290e2ab-19990ca3186--7ff1 .glossgroup}",
      "content": "nagement ability is limited by the roles assigned to that Representative, state authorizations indicated and bond limits indicated.\n\n**Note:** Applies to Electronic Surety Bonds\n\n## rescind cancellation \n\nIn the context of ESB tracking, a surety company will be able to rescind the `Notice of Cancellation` if the Cancellation Effective Date has not elapsed. The bond will be set back to an `Executed` status when the cancellation is rescinded.\n\n**Note:** Applies to Electronic Surety Bonds\n\n## state agency \n\nState regulators that supervise a particular industry or business activity.\n\n## state authorization \n\nThe authorization granted by state agency for the surety entities to engage in suretyship in that jurisdiction.\n\n**Note:** Applies to Electronic Surety Bonds\n\n## surety bond \n\nA three party agreement whereby one party \\(the surety\\) is bound with the entity bonded \\(the principal\\) to a third party \\(the obligee\\). The bond guarantees the surety's performance or monetary compensation to the obligee should there be a failure by the principal to perform specified acts within a stated time period. In the context of ESB tracking, the surety bond is electronically managed in NMLS.\n\n**Note:** Applies to Electronic Surety Bonds\n\n## surety bond producer \n\nAn entity who handles surety bonds, producing business for the surety company. In the context of ESB tracking, a surety bond producer may have or may not have execution authority to sign the bond / rider.\n\n**Note:** Applies to Electronic Surety Bonds\n\n### agent \n\n## surety bond rider \n\nAn amendment to a previously-issued \\(and still active\\) surety bond. In the context of ESB tracking, Surety entities will be able to create a rider to update bond information if the bond is in an `Executed` status and has been delivered to the regulator. Only one rider can be created at a time. The rider must be signed by the licensee before another rider can be created.\n\n**Note:** Applies to Electronic Surety Bonds\n\n## surety company \n\nA c",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\esb_GlossaryGroup.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\esb_GlossaryGroup.md",
      "headings": [
        "Electronic Surety Bond \\(ESB\\) Terms {#xd_ce249bf7f1de6244--290e2ab-19990ca3186--7ff1 .glossgroup}",
        "association {#id_tc2_4sl_wgc}",
        "attorney-in-fact {#id_us1_3tl_wgc}",
        "authority {#id_tfk_stl_wgc}",
        "bond amount {#id_vwd_d5l_wgc}",
        "bond limit {#id_glq_w5l_wgc}",
        "bond number {#id_ebc_twl_wgc}",
        "bond status {#id_wgk_dxl_wgc}",
        "broker of record {#id_awx_jyl_wgc}",
        "BOR {#glossAlt_kx3_vxl_wgc .glossAlt}",
        "BOR Change {#id_vw1_czl_wgc}",
        "cancelled bond {#id_kw3_lzl_wgc}",
        "converted bond {#id_ds2_2cm_wgc}",
        "deleted bond or rider {#id_eyx_rhm_wgc}",
        "delivered bond {#id_u5y_sjm_wgc}",
        "effective date {#id_zdv_1lm_wgc}",
        "executed bond {#id_mkp_3lm_wgc}",
        "execution authority {#id_uvk_2bn_wgc}",
        "incoming [broker of record](g_ESB_brokerOfRecord.md) {#id_rt2_wcn_wgc}",
        "New BOR {#glossAlt_dtj_kcn_wgc .glossAlt}",
        "licensee {#id_imv_qdn_wgc}",
        "Principal {#glossAlt_ry2_ndn_wgc .glossAlt}",
        "minimum bond amount {#id_dcb_r2n_wgc}",
        "National Association of Insurance Commissioners number {#id_jx1_mfn_wgc}",
        "NAIC number {#glossAlt_gln_gfn_wgc .glossAlt}",
        "notice of cancellation {#id_cnj_xfn_wgc}",
        "NPN number {#id_y53_ngn_wgc}",
        "obligee {#id_xrt_zgn_wgc}",
        "Regulator {#glossAlt_wzv_vgn_wgc .glossAlt}",
        "other trade name {#id_elh_4hn_wgc}",
        "Doing Business As \\(DBA\\) {#glossAlt_wzv_vgn_wgc .glossAlt}",
        "OTN {#glossAlt_mhl_3hn_wgc .glossAlt}",
        "outgoing BOR {#id_ntt_b3n_wgc}",
        "Current BOR {#glossAlt_mhl_3hn_wgc .glossAlt}",
        "perpetual bond {#id_dlm_m3n_wgc}",
        "principal {#id_gvg_qln_wgc}",
        "Obligor {#glossAlt_ys3_dln_wgc .glossAlt}",
        "reinstated bond {#id_ivn_bmn_wgc}",
        "representative {#id_jhb_lmn_wgc}",
        "rescind cancellation {#id_qfb_vmn_wgc}",
        "state agency {#id_b3k_dnn_wgc}",
        "state authorization {#id_j4m_knn_wgc}",
        "surety bond {#id_fqp_snn_wgc}",
        "surety bond producer {#id_svy_14n_wgc}",
        "agent {#glossAlt_hkz_xnn_wgc .glossAlt}",
        "surety bond rider {#id_ak1_k4n_wgc}",
        "surety company {#id_l31_54n_wgc}",
        "broker {#glossAlt_d3s_44n_wgc .glossAlt}",
        "carrier {#glossAlt_uh3_p4n_wgc .glossAlt}",
        "surety entities {#id_xvj_bpn_wgc}",
        "underwriter {#id_jps_4pn_wgc}",
        "underwriting company {#id_dqv_zpn_wgc}",
        "writing paper {#glossAlt_gbz_5pn_wgc .glossAlt}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/esb_GlossaryGroup.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/esb_GlossaryGroup.md:chunk-6",
      "title": "Electronic Surety Bond \\(ESB\\) Terms {#xd_ce249bf7f1de6244--290e2ab-19990ca3186--7ff1 .glossgroup}",
      "content": "regulator. Only one rider can be created at a time. The rider must be signed by the licensee before another rider can be created.\n\n**Note:** Applies to Electronic Surety Bonds\n\n## surety company \n\nA corporation collaterally bound for the payment of money or the performance of an act or duty by the principal. In the context of ESB tracking, a surety company can create, manage and sign the bond/rider.\n\n**Note:** Applies to Electronic Surety Bonds\n\n### broker \n\n### carrier \n\n## surety entities \n\nIn the context of ESB tracking, Surety companies \\(SC\\) and surety bond producers \\(SBP\\) will be collectively referred as surety entities.\n\n**Note:** Applies to Electronic Surety Bonds\n\n## underwriter \n\nAn individual or employee of an insurance company who determines which risk to accept and the amount of such risks. In the context of ESB tracking, a surety entity can associate an underwriter user to a bond at the time of bond creation or at any time prior to bond cancellation.\n\n**Note:** Applies to Electronic Surety Bonds\n\n## underwriting company \n\nThe company associated with a surety company to underwrite the surety bond. In the context of ESB tracking, an underwriting company can be selected by the surety bond producer when they establish the business relationship.\n\n**Note:** Applies to Electronic Surety Bonds\n\n### writing paper",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\esb_GlossaryGroup.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\esb_GlossaryGroup.md",
      "headings": [
        "Electronic Surety Bond \\(ESB\\) Terms {#xd_ce249bf7f1de6244--290e2ab-19990ca3186--7ff1 .glossgroup}",
        "association {#id_tc2_4sl_wgc}",
        "attorney-in-fact {#id_us1_3tl_wgc}",
        "authority {#id_tfk_stl_wgc}",
        "bond amount {#id_vwd_d5l_wgc}",
        "bond limit {#id_glq_w5l_wgc}",
        "bond number {#id_ebc_twl_wgc}",
        "bond status {#id_wgk_dxl_wgc}",
        "broker of record {#id_awx_jyl_wgc}",
        "BOR {#glossAlt_kx3_vxl_wgc .glossAlt}",
        "BOR Change {#id_vw1_czl_wgc}",
        "cancelled bond {#id_kw3_lzl_wgc}",
        "converted bond {#id_ds2_2cm_wgc}",
        "deleted bond or rider {#id_eyx_rhm_wgc}",
        "delivered bond {#id_u5y_sjm_wgc}",
        "effective date {#id_zdv_1lm_wgc}",
        "executed bond {#id_mkp_3lm_wgc}",
        "execution authority {#id_uvk_2bn_wgc}",
        "incoming [broker of record](g_ESB_brokerOfRecord.md) {#id_rt2_wcn_wgc}",
        "New BOR {#glossAlt_dtj_kcn_wgc .glossAlt}",
        "licensee {#id_imv_qdn_wgc}",
        "Principal {#glossAlt_ry2_ndn_wgc .glossAlt}",
        "minimum bond amount {#id_dcb_r2n_wgc}",
        "National Association of Insurance Commissioners number {#id_jx1_mfn_wgc}",
        "NAIC number {#glossAlt_gln_gfn_wgc .glossAlt}",
        "notice of cancellation {#id_cnj_xfn_wgc}",
        "NPN number {#id_y53_ngn_wgc}",
        "obligee {#id_xrt_zgn_wgc}",
        "Regulator {#glossAlt_wzv_vgn_wgc .glossAlt}",
        "other trade name {#id_elh_4hn_wgc}",
        "Doing Business As \\(DBA\\) {#glossAlt_wzv_vgn_wgc .glossAlt}",
        "OTN {#glossAlt_mhl_3hn_wgc .glossAlt}",
        "outgoing BOR {#id_ntt_b3n_wgc}",
        "Current BOR {#glossAlt_mhl_3hn_wgc .glossAlt}",
        "perpetual bond {#id_dlm_m3n_wgc}",
        "principal {#id_gvg_qln_wgc}",
        "Obligor {#glossAlt_ys3_dln_wgc .glossAlt}",
        "reinstated bond {#id_ivn_bmn_wgc}",
        "representative {#id_jhb_lmn_wgc}",
        "rescind cancellation {#id_qfb_vmn_wgc}",
        "state agency {#id_b3k_dnn_wgc}",
        "state authorization {#id_j4m_knn_wgc}",
        "surety bond {#id_fqp_snn_wgc}",
        "surety bond producer {#id_svy_14n_wgc}",
        "agent {#glossAlt_hkz_xnn_wgc .glossAlt}",
        "surety bond rider {#id_ak1_k4n_wgc}",
        "surety company {#id_l31_54n_wgc}",
        "broker {#glossAlt_d3s_44n_wgc .glossAlt}",
        "carrier {#glossAlt_uh3_p4n_wgc .glossAlt}",
        "surety entities {#id_xvj_bpn_wgc}",
        "underwriter {#id_jps_4pn_wgc}",
        "underwriting company {#id_dqv_zpn_wgc}",
        "writing paper {#glossAlt_gbz_5pn_wgc .glossAlt}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/esb_GlossaryGroup.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/esb_GlossaryGroup_2.md:chunk-0",
      "title": "Electronic Surety Bond \\(ESB\\) Terms {#xd_ce249bf7f1de6244--290e2ab-19990ca3186--7ff1 .glossgroup}",
      "content": "# Electronic Surety Bond \\(ESB\\) Terms \n\n**Parent topic:**Electronic Surety Bond \\(ESB\\) Glossary\n\n## association \n\nIn the context of ESB tracking, it is the relationship between surety company and surety bond producer. The surety company will grant the surety bond producer the ability to create and manage the bond/rider on behalf of surety company subject to identified state authorizations and bond limits. Only representatives designated in the Association are be able to sign bonds/riders on behalf of the surety company.\n\n**Note:** Applies to Electronic Surety Bonds\n\n## attorney-in-fact \n\nAn entity that holds a Power of Attorney, granted by a surety company, empowering the execution of a surety bond. In the context of ESB tracking, the attorney-in-fact is the representative of surety bond producer with execution authority.\n\n**Note:** Applies to Electronic Surety Bonds\n\n## authority \n\nIn the context of ESB tracking, authority provides a surety entity with access to the licensee for the purpose of managing bonds on behalf of the licensee.\n\n**Note:** Applies to Electronic Surety Bonds\n\n## bond amount \n\nAlso called penal amount or penal sum, it is the amount of liability under a bond.\n\n**Note:** Applies to Electronic Surety Bonds\n\n## bond limit \n\nThe maximum bond amount that a surety entity is allowed to enter when creating or updating the bond.\n\n**Note:** Applies to Electronic Surety Bonds\n\n## bond number \n\nAn alphanumeric identifier that is issued by a surety entity and associated with a bond. In the context of ESB tracking, a bond number is required when an existing bond is converted or a new bond is created in NMLS.\n\n**Note:** Applies to Electronic Surety Bonds\n\n## bond status \n\nIn the context of ESB tracking, a status associated with a bond in NMLS ESB.\n\n**Note:** Applies to Electronic Surety Bonds\n\n## broker of record \n\nAn entity that has a contractual agreement with a principal in the management of surety bond/rider. In the context of ESB tracking, a BOR with ex",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\esb_GlossaryGroup_2.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\esb_GlossaryGroup_2.md",
      "headings": [
        "Electronic Surety Bond \\(ESB\\) Terms {#xd_ce249bf7f1de6244--290e2ab-19990ca3186--7ff1 .glossgroup}",
        "association {#id_tc2_4sl_wgc}",
        "attorney-in-fact {#id_us1_3tl_wgc}",
        "authority {#id_tfk_stl_wgc}",
        "bond amount {#id_vwd_d5l_wgc}",
        "bond limit {#id_glq_w5l_wgc}",
        "bond number {#id_ebc_twl_wgc}",
        "bond status {#id_wgk_dxl_wgc}",
        "broker of record {#id_awx_jyl_wgc}",
        "BOR {#glossAlt_kx3_vxl_wgc .glossAlt}",
        "BOR Change {#id_vw1_czl_wgc}",
        "cancelled bond {#id_kw3_lzl_wgc}",
        "converted bond {#id_ds2_2cm_wgc}",
        "deleted bond or rider {#id_eyx_rhm_wgc}",
        "delivered bond {#id_u5y_sjm_wgc}",
        "effective date {#id_zdv_1lm_wgc}",
        "executed bond {#id_mkp_3lm_wgc}",
        "execution authority {#id_uvk_2bn_wgc}",
        "incoming [broker of record](g_ESB_brokerOfRecord.md) {#id_rt2_wcn_wgc}",
        "New BOR {#glossAlt_dtj_kcn_wgc .glossAlt}",
        "licensee {#id_imv_qdn_wgc}",
        "Principal {#glossAlt_ry2_ndn_wgc .glossAlt}",
        "minimum bond amount {#id_dcb_r2n_wgc}",
        "National Association of Insurance Commissioners number {#id_jx1_mfn_wgc}",
        "NAIC number {#glossAlt_gln_gfn_wgc .glossAlt}",
        "notice of cancellation {#id_cnj_xfn_wgc}",
        "NPN number {#id_y53_ngn_wgc}",
        "obligee {#id_xrt_zgn_wgc}",
        "Regulator {#glossAlt_wzv_vgn_wgc .glossAlt}",
        "other trade name {#id_elh_4hn_wgc}",
        "Doing Business As \\(DBA\\) {#glossAlt_wzv_vgn_wgc .glossAlt}",
        "OTN {#glossAlt_mhl_3hn_wgc .glossAlt}",
        "outgoing BOR {#id_ntt_b3n_wgc}",
        "Current BOR {#glossAlt_mhl_3hn_wgc .glossAlt}",
        "perpetual bond {#id_dlm_m3n_wgc}",
        "principal {#id_gvg_qln_wgc}",
        "Obligor {#glossAlt_ys3_dln_wgc .glossAlt}",
        "reinstated bond {#id_ivn_bmn_wgc}",
        "representative {#id_jhb_lmn_wgc}",
        "rescind cancellation {#id_qfb_vmn_wgc}",
        "state agency {#id_b3k_dnn_wgc}",
        "state authorization {#id_j4m_knn_wgc}",
        "surety bond {#id_fqp_snn_wgc}",
        "surety bond producer {#id_svy_14n_wgc}",
        "agent {#glossAlt_hkz_xnn_wgc .glossAlt}",
        "surety bond rider {#id_ak1_k4n_wgc}",
        "surety company {#id_l31_54n_wgc}",
        "broker {#glossAlt_d3s_44n_wgc .glossAlt}",
        "carrier {#glossAlt_uh3_p4n_wgc .glossAlt}",
        "surety entities {#id_xvj_bpn_wgc}",
        "underwriter {#id_jps_4pn_wgc}",
        "underwriting company {#id_dqv_zpn_wgc}",
        "writing paper {#glossAlt_gbz_5pn_wgc .glossAlt}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/esb_GlossaryGroup_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/esb_GlossaryGroup_2.md:chunk-1",
      "title": "Electronic Surety Bond \\(ESB\\) Terms {#xd_ce249bf7f1de6244--290e2ab-19990ca3186--7ff1 .glossgroup}",
      "content": "lies to Electronic Surety Bonds\n\n## broker of record \n\nAn entity that has a contractual agreement with a principal in the management of surety bond/rider. In the context of ESB tracking, a BOR with execution authority will be able to sign the bond/rider, a BOR without execution authority will not be able sign the bond / rider and in this case, the bond / rider will need to be signed by the associated surety company.\n\nBroker of Record \\(BOR\\)\n\n**Note:** Applies to Electronic Surety Bonds\n\n### BOR \n\n## BOR Change \n\nThe process for a surety company to replace an existing \\(outgoing\\) broker of record with a new \\(incoming\\) BOR. In the context of ESB tracking, a BOR change is initiated by the surety company and must be confirmed by the licensee.\n\n**Note:** Applies to Electronic Surety Bonds\n\n## cancelled bond \n\nA bond that has been specifically cancelled by the issuing surety company/surety bond producer and is then considered to be \"inactive\" in NMLS, but sometimes continues to hold the obligations set forth in the Bond Terms.\n\n**Note:** Applies to Electronic Surety Bonds\n\n## converted bond \n\nThe process for surety entity to convert a paper bond that has previously been delivered to a regulator outside NMLS to an electronic bond, the surety entity should identify the bond as a converted bond. The effective date for a converted bond will default to the surety signatory date.\n\n**Note:** Applies to Electronic Surety Bonds\n\n## deleted bond or rider \n\nIn the context of ESB tracking, a surety entity will be able to delete a bond or rider in a `Requires Rep Signature` or `Returned to Surety` status. Once deleted, the bond or rider will no longer be visible to NMLS users. However, a record will be retained in the database.\n\n**Note:** Applies to Electronic Surety Bonds\n\n## delivered bond \n\nOnce the bond is signed by the surety and licensee, it is ready to be delivered. If the licensee has an existing license, the bond will be delivered immediately to the regulator. If the lice",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\esb_GlossaryGroup_2.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\esb_GlossaryGroup_2.md",
      "headings": [
        "Electronic Surety Bond \\(ESB\\) Terms {#xd_ce249bf7f1de6244--290e2ab-19990ca3186--7ff1 .glossgroup}",
        "association {#id_tc2_4sl_wgc}",
        "attorney-in-fact {#id_us1_3tl_wgc}",
        "authority {#id_tfk_stl_wgc}",
        "bond amount {#id_vwd_d5l_wgc}",
        "bond limit {#id_glq_w5l_wgc}",
        "bond number {#id_ebc_twl_wgc}",
        "bond status {#id_wgk_dxl_wgc}",
        "broker of record {#id_awx_jyl_wgc}",
        "BOR {#glossAlt_kx3_vxl_wgc .glossAlt}",
        "BOR Change {#id_vw1_czl_wgc}",
        "cancelled bond {#id_kw3_lzl_wgc}",
        "converted bond {#id_ds2_2cm_wgc}",
        "deleted bond or rider {#id_eyx_rhm_wgc}",
        "delivered bond {#id_u5y_sjm_wgc}",
        "effective date {#id_zdv_1lm_wgc}",
        "executed bond {#id_mkp_3lm_wgc}",
        "execution authority {#id_uvk_2bn_wgc}",
        "incoming [broker of record](g_ESB_brokerOfRecord.md) {#id_rt2_wcn_wgc}",
        "New BOR {#glossAlt_dtj_kcn_wgc .glossAlt}",
        "licensee {#id_imv_qdn_wgc}",
        "Principal {#glossAlt_ry2_ndn_wgc .glossAlt}",
        "minimum bond amount {#id_dcb_r2n_wgc}",
        "National Association of Insurance Commissioners number {#id_jx1_mfn_wgc}",
        "NAIC number {#glossAlt_gln_gfn_wgc .glossAlt}",
        "notice of cancellation {#id_cnj_xfn_wgc}",
        "NPN number {#id_y53_ngn_wgc}",
        "obligee {#id_xrt_zgn_wgc}",
        "Regulator {#glossAlt_wzv_vgn_wgc .glossAlt}",
        "other trade name {#id_elh_4hn_wgc}",
        "Doing Business As \\(DBA\\) {#glossAlt_wzv_vgn_wgc .glossAlt}",
        "OTN {#glossAlt_mhl_3hn_wgc .glossAlt}",
        "outgoing BOR {#id_ntt_b3n_wgc}",
        "Current BOR {#glossAlt_mhl_3hn_wgc .glossAlt}",
        "perpetual bond {#id_dlm_m3n_wgc}",
        "principal {#id_gvg_qln_wgc}",
        "Obligor {#glossAlt_ys3_dln_wgc .glossAlt}",
        "reinstated bond {#id_ivn_bmn_wgc}",
        "representative {#id_jhb_lmn_wgc}",
        "rescind cancellation {#id_qfb_vmn_wgc}",
        "state agency {#id_b3k_dnn_wgc}",
        "state authorization {#id_j4m_knn_wgc}",
        "surety bond {#id_fqp_snn_wgc}",
        "surety bond producer {#id_svy_14n_wgc}",
        "agent {#glossAlt_hkz_xnn_wgc .glossAlt}",
        "surety bond rider {#id_ak1_k4n_wgc}",
        "surety company {#id_l31_54n_wgc}",
        "broker {#glossAlt_d3s_44n_wgc .glossAlt}",
        "carrier {#glossAlt_uh3_p4n_wgc .glossAlt}",
        "surety entities {#id_xvj_bpn_wgc}",
        "underwriter {#id_jps_4pn_wgc}",
        "underwriting company {#id_dqv_zpn_wgc}",
        "writing paper {#glossAlt_gbz_5pn_wgc .glossAlt}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/esb_GlossaryGroup_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/esb_GlossaryGroup_2.md:chunk-2",
      "title": "Electronic Surety Bond \\(ESB\\) Terms {#xd_ce249bf7f1de6244--290e2ab-19990ca3186--7ff1 .glossgroup}",
      "content": "ed bond \n\nOnce the bond is signed by the surety and licensee, it is ready to be delivered. If the licensee has an existing license, the bond will be delivered immediately to the regulator. If the licensee has a pending license application, the bond will be delivered to the regulator at the time the license application is submitted.\n\n**Note:** Applies to Electronic Surety Bonds\n\n## effective date \n\nAlso called bond effective date, the date on which bond coverage becomes effective. In the context of ESB tracking, the effective date for a converted bond is populated with the surety signatory date. The Effective Date for a new bond can be provided by the surety.\n\n**Note:** Applies to Electronic Surety Bonds\n\n**Note:** alternative term for bond effective date\n\n## executed bond \n\nA bond that has been prepared and signed by a surety entity and subsequently reviewed and signed by the Licensee.\n\n**Note:** Applies to Electronic Surety Bonds\n\n## execution authority \n\nIn the context of ESB tracking, the power and authority granted by surety company, through power of attorney, to surety bond producer, who will be able to take certain actions or to bind the surety company to specified obligations\n\n**Note:** Applies to Electronic Surety Bonds\n\n## incoming broker of record \n\nWhen a licensee decides to end a business arrangement with one surety bond producer and begins working with a new surety bond producer, a new broker of record relationship is established between the licensee/principal and the new surety bond producer. In the context of ESB tracking, confirmation of the broker of record change will be allowed only when all pending surety bonds and riders have been delivered or deleted.\n\n**Note:** Applies to Electronic Surety Bonds\n\n### New BOR \n\n## licensee \n\nA person, company, etc., to whom a license is granted or issued by state agencies, in order to conduct related business in the jurisdiction. With respect to surety bonds, the Licensee is the Principal on the bond.\n\n**Note:*",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\esb_GlossaryGroup_2.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\esb_GlossaryGroup_2.md",
      "headings": [
        "Electronic Surety Bond \\(ESB\\) Terms {#xd_ce249bf7f1de6244--290e2ab-19990ca3186--7ff1 .glossgroup}",
        "association {#id_tc2_4sl_wgc}",
        "attorney-in-fact {#id_us1_3tl_wgc}",
        "authority {#id_tfk_stl_wgc}",
        "bond amount {#id_vwd_d5l_wgc}",
        "bond limit {#id_glq_w5l_wgc}",
        "bond number {#id_ebc_twl_wgc}",
        "bond status {#id_wgk_dxl_wgc}",
        "broker of record {#id_awx_jyl_wgc}",
        "BOR {#glossAlt_kx3_vxl_wgc .glossAlt}",
        "BOR Change {#id_vw1_czl_wgc}",
        "cancelled bond {#id_kw3_lzl_wgc}",
        "converted bond {#id_ds2_2cm_wgc}",
        "deleted bond or rider {#id_eyx_rhm_wgc}",
        "delivered bond {#id_u5y_sjm_wgc}",
        "effective date {#id_zdv_1lm_wgc}",
        "executed bond {#id_mkp_3lm_wgc}",
        "execution authority {#id_uvk_2bn_wgc}",
        "incoming [broker of record](g_ESB_brokerOfRecord.md) {#id_rt2_wcn_wgc}",
        "New BOR {#glossAlt_dtj_kcn_wgc .glossAlt}",
        "licensee {#id_imv_qdn_wgc}",
        "Principal {#glossAlt_ry2_ndn_wgc .glossAlt}",
        "minimum bond amount {#id_dcb_r2n_wgc}",
        "National Association of Insurance Commissioners number {#id_jx1_mfn_wgc}",
        "NAIC number {#glossAlt_gln_gfn_wgc .glossAlt}",
        "notice of cancellation {#id_cnj_xfn_wgc}",
        "NPN number {#id_y53_ngn_wgc}",
        "obligee {#id_xrt_zgn_wgc}",
        "Regulator {#glossAlt_wzv_vgn_wgc .glossAlt}",
        "other trade name {#id_elh_4hn_wgc}",
        "Doing Business As \\(DBA\\) {#glossAlt_wzv_vgn_wgc .glossAlt}",
        "OTN {#glossAlt_mhl_3hn_wgc .glossAlt}",
        "outgoing BOR {#id_ntt_b3n_wgc}",
        "Current BOR {#glossAlt_mhl_3hn_wgc .glossAlt}",
        "perpetual bond {#id_dlm_m3n_wgc}",
        "principal {#id_gvg_qln_wgc}",
        "Obligor {#glossAlt_ys3_dln_wgc .glossAlt}",
        "reinstated bond {#id_ivn_bmn_wgc}",
        "representative {#id_jhb_lmn_wgc}",
        "rescind cancellation {#id_qfb_vmn_wgc}",
        "state agency {#id_b3k_dnn_wgc}",
        "state authorization {#id_j4m_knn_wgc}",
        "surety bond {#id_fqp_snn_wgc}",
        "surety bond producer {#id_svy_14n_wgc}",
        "agent {#glossAlt_hkz_xnn_wgc .glossAlt}",
        "surety bond rider {#id_ak1_k4n_wgc}",
        "surety company {#id_l31_54n_wgc}",
        "broker {#glossAlt_d3s_44n_wgc .glossAlt}",
        "carrier {#glossAlt_uh3_p4n_wgc .glossAlt}",
        "surety entities {#id_xvj_bpn_wgc}",
        "underwriter {#id_jps_4pn_wgc}",
        "underwriting company {#id_dqv_zpn_wgc}",
        "writing paper {#glossAlt_gbz_5pn_wgc .glossAlt}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/esb_GlossaryGroup_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/esb_GlossaryGroup_2.md:chunk-3",
      "title": "Electronic Surety Bond \\(ESB\\) Terms {#xd_ce249bf7f1de6244--290e2ab-19990ca3186--7ff1 .glossgroup}",
      "content": ", to whom a license is granted or issued by state agencies, in order to conduct related business in the jurisdiction. With respect to surety bonds, the Licensee is the Principal on the bond.\n\n**Note:** Applies to Electronic Surety Bonds\n\n### Principal \n\nprincipal\n\n## minimum bond amount \n\nThe minimum bond amount that is required by state agency for a surety bond associated with a specific license type.\n\n**Note:** Applies to Electronic Surety Bonds\n\n## National Association of Insurance Commissioners number \n\nUnique identifier for a surety company assigned by the National Association of Insurance Commissioners. In the context of ESB tracking, NAIC number will be used throughout NMLS to identify a surety company.\n\nNational Association of Insurance Commissioners \\(NAIC\\) number\n\n**Note:** Applies to Electronic Surety Bonds\n\n### NAIC number \n\n## notice of cancellation \n\nSubmission by a surety company indicating a bond will be cancelled on the effective date provided. If cancelled prior to delivery to the regulator, cancellation is immediate. Once delivered to the regulator, if permitted by the state, notice of cancellation must comply with state advance notice requirements. Upon submission, the bond status will be updated to `Notice of Cancellation`.\n\n**Note:** Applies to Electronic Surety Bonds\n\n## NPN number \n\nUnique identifier assigned by the National Association of Insurance Commissioners \\(NAIC\\) through the licensing application process or the NAIC reporting systems to individuals and business entities \\(including, but not limited to producers, adjusters, and navigators\\) engaged in insurance related activities regulated by a state insurance department. The NPN is used to track those individuals and business entities on a national basis. In the context of ESB tracking, this unique identifier will be used throughout NMLS to identify a Representative of a Surety Bond Producer.\n\n**Note:** Applies to Electronic Surety Bonds\n\n## obligee \n\nThe entity that is protected ag",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\esb_GlossaryGroup_2.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\esb_GlossaryGroup_2.md",
      "headings": [
        "Electronic Surety Bond \\(ESB\\) Terms {#xd_ce249bf7f1de6244--290e2ab-19990ca3186--7ff1 .glossgroup}",
        "association {#id_tc2_4sl_wgc}",
        "attorney-in-fact {#id_us1_3tl_wgc}",
        "authority {#id_tfk_stl_wgc}",
        "bond amount {#id_vwd_d5l_wgc}",
        "bond limit {#id_glq_w5l_wgc}",
        "bond number {#id_ebc_twl_wgc}",
        "bond status {#id_wgk_dxl_wgc}",
        "broker of record {#id_awx_jyl_wgc}",
        "BOR {#glossAlt_kx3_vxl_wgc .glossAlt}",
        "BOR Change {#id_vw1_czl_wgc}",
        "cancelled bond {#id_kw3_lzl_wgc}",
        "converted bond {#id_ds2_2cm_wgc}",
        "deleted bond or rider {#id_eyx_rhm_wgc}",
        "delivered bond {#id_u5y_sjm_wgc}",
        "effective date {#id_zdv_1lm_wgc}",
        "executed bond {#id_mkp_3lm_wgc}",
        "execution authority {#id_uvk_2bn_wgc}",
        "incoming [broker of record](g_ESB_brokerOfRecord.md) {#id_rt2_wcn_wgc}",
        "New BOR {#glossAlt_dtj_kcn_wgc .glossAlt}",
        "licensee {#id_imv_qdn_wgc}",
        "Principal {#glossAlt_ry2_ndn_wgc .glossAlt}",
        "minimum bond amount {#id_dcb_r2n_wgc}",
        "National Association of Insurance Commissioners number {#id_jx1_mfn_wgc}",
        "NAIC number {#glossAlt_gln_gfn_wgc .glossAlt}",
        "notice of cancellation {#id_cnj_xfn_wgc}",
        "NPN number {#id_y53_ngn_wgc}",
        "obligee {#id_xrt_zgn_wgc}",
        "Regulator {#glossAlt_wzv_vgn_wgc .glossAlt}",
        "other trade name {#id_elh_4hn_wgc}",
        "Doing Business As \\(DBA\\) {#glossAlt_wzv_vgn_wgc .glossAlt}",
        "OTN {#glossAlt_mhl_3hn_wgc .glossAlt}",
        "outgoing BOR {#id_ntt_b3n_wgc}",
        "Current BOR {#glossAlt_mhl_3hn_wgc .glossAlt}",
        "perpetual bond {#id_dlm_m3n_wgc}",
        "principal {#id_gvg_qln_wgc}",
        "Obligor {#glossAlt_ys3_dln_wgc .glossAlt}",
        "reinstated bond {#id_ivn_bmn_wgc}",
        "representative {#id_jhb_lmn_wgc}",
        "rescind cancellation {#id_qfb_vmn_wgc}",
        "state agency {#id_b3k_dnn_wgc}",
        "state authorization {#id_j4m_knn_wgc}",
        "surety bond {#id_fqp_snn_wgc}",
        "surety bond producer {#id_svy_14n_wgc}",
        "agent {#glossAlt_hkz_xnn_wgc .glossAlt}",
        "surety bond rider {#id_ak1_k4n_wgc}",
        "surety company {#id_l31_54n_wgc}",
        "broker {#glossAlt_d3s_44n_wgc .glossAlt}",
        "carrier {#glossAlt_uh3_p4n_wgc .glossAlt}",
        "surety entities {#id_xvj_bpn_wgc}",
        "underwriter {#id_jps_4pn_wgc}",
        "underwriting company {#id_dqv_zpn_wgc}",
        "writing paper {#glossAlt_gbz_5pn_wgc .glossAlt}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/esb_GlossaryGroup_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/esb_GlossaryGroup_2.md:chunk-4",
      "title": "Electronic Surety Bond \\(ESB\\) Terms {#xd_ce249bf7f1de6244--290e2ab-19990ca3186--7ff1 .glossgroup}",
      "content": " this unique identifier will be used throughout NMLS to identify a Representative of a Surety Bond Producer.\n\n**Note:** Applies to Electronic Surety Bonds\n\n## obligee \n\nThe entity that is protected against loss by a surety bond. In the context of ESB tracking, the obligee is the state agency.\n\n**Note:** Applies to Electronic Surety Bonds\n\n### Regulator \n\n## other trade name \n\nOther trade name is the business name under which the license conducts its business.\n\nOther Trade Name \\(OTN\\)\n\n**Note:** Applies to Electronic Surety Bonds\n\n### Doing Business As \\(DBA\\) \n\n### OTN \n\n## outgoing BOR \n\nThe surety entity that currently has an existing broker of record relationship with the licensee/principal, but the licensee/principal has decided to terminate the current business relationship.\n\n**Note:** Applies to Electronic Surety Bonds\n\n### Current BOR \n\nbroker of record\n\n## perpetual bond \n\nA type of bond that doesn’t have an expiration date.\n\n**Note:** Applies to Electronic Surety Bonds\n\n## principal \n\nIn suretyship, the party whose actions, honesty or responsibility is to be guaranteed. In the context of ESB tracking, the principal is the licensee.\n\n**Note:** Applies to Electronic Surety Bonds\n\n### Obligor \n\nlicensee\n\n## reinstated bond \n\nIn the context of ESB tracking, a surety company will be able to reinstate a cancelled bond if the Cancellation Effective Date is in the past. The bond will be set back to an `Executed` status when the reinstatement is submitted as of the Cancellation Effective Date.\n\n**Note:** Applies to Electronic Surety Bonds\n\n## representative \n\nIn the context of ESB tracking, this is a person associated to a surety company or a surety bond producer, who can manage bonds on behalf of the surety company or surety bond producer. The Representative's bond management ability is limited by the roles assigned to that Representative, state authorizations indicated and bond limits indicated.\n\n**Note:** Applies to Electronic Surety Bonds\n\n## rescind cancellati",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\esb_GlossaryGroup_2.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\esb_GlossaryGroup_2.md",
      "headings": [
        "Electronic Surety Bond \\(ESB\\) Terms {#xd_ce249bf7f1de6244--290e2ab-19990ca3186--7ff1 .glossgroup}",
        "association {#id_tc2_4sl_wgc}",
        "attorney-in-fact {#id_us1_3tl_wgc}",
        "authority {#id_tfk_stl_wgc}",
        "bond amount {#id_vwd_d5l_wgc}",
        "bond limit {#id_glq_w5l_wgc}",
        "bond number {#id_ebc_twl_wgc}",
        "bond status {#id_wgk_dxl_wgc}",
        "broker of record {#id_awx_jyl_wgc}",
        "BOR {#glossAlt_kx3_vxl_wgc .glossAlt}",
        "BOR Change {#id_vw1_czl_wgc}",
        "cancelled bond {#id_kw3_lzl_wgc}",
        "converted bond {#id_ds2_2cm_wgc}",
        "deleted bond or rider {#id_eyx_rhm_wgc}",
        "delivered bond {#id_u5y_sjm_wgc}",
        "effective date {#id_zdv_1lm_wgc}",
        "executed bond {#id_mkp_3lm_wgc}",
        "execution authority {#id_uvk_2bn_wgc}",
        "incoming [broker of record](g_ESB_brokerOfRecord.md) {#id_rt2_wcn_wgc}",
        "New BOR {#glossAlt_dtj_kcn_wgc .glossAlt}",
        "licensee {#id_imv_qdn_wgc}",
        "Principal {#glossAlt_ry2_ndn_wgc .glossAlt}",
        "minimum bond amount {#id_dcb_r2n_wgc}",
        "National Association of Insurance Commissioners number {#id_jx1_mfn_wgc}",
        "NAIC number {#glossAlt_gln_gfn_wgc .glossAlt}",
        "notice of cancellation {#id_cnj_xfn_wgc}",
        "NPN number {#id_y53_ngn_wgc}",
        "obligee {#id_xrt_zgn_wgc}",
        "Regulator {#glossAlt_wzv_vgn_wgc .glossAlt}",
        "other trade name {#id_elh_4hn_wgc}",
        "Doing Business As \\(DBA\\) {#glossAlt_wzv_vgn_wgc .glossAlt}",
        "OTN {#glossAlt_mhl_3hn_wgc .glossAlt}",
        "outgoing BOR {#id_ntt_b3n_wgc}",
        "Current BOR {#glossAlt_mhl_3hn_wgc .glossAlt}",
        "perpetual bond {#id_dlm_m3n_wgc}",
        "principal {#id_gvg_qln_wgc}",
        "Obligor {#glossAlt_ys3_dln_wgc .glossAlt}",
        "reinstated bond {#id_ivn_bmn_wgc}",
        "representative {#id_jhb_lmn_wgc}",
        "rescind cancellation {#id_qfb_vmn_wgc}",
        "state agency {#id_b3k_dnn_wgc}",
        "state authorization {#id_j4m_knn_wgc}",
        "surety bond {#id_fqp_snn_wgc}",
        "surety bond producer {#id_svy_14n_wgc}",
        "agent {#glossAlt_hkz_xnn_wgc .glossAlt}",
        "surety bond rider {#id_ak1_k4n_wgc}",
        "surety company {#id_l31_54n_wgc}",
        "broker {#glossAlt_d3s_44n_wgc .glossAlt}",
        "carrier {#glossAlt_uh3_p4n_wgc .glossAlt}",
        "surety entities {#id_xvj_bpn_wgc}",
        "underwriter {#id_jps_4pn_wgc}",
        "underwriting company {#id_dqv_zpn_wgc}",
        "writing paper {#glossAlt_gbz_5pn_wgc .glossAlt}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/esb_GlossaryGroup_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/esb_GlossaryGroup_2.md:chunk-5",
      "title": "Electronic Surety Bond \\(ESB\\) Terms {#xd_ce249bf7f1de6244--290e2ab-19990ca3186--7ff1 .glossgroup}",
      "content": "nagement ability is limited by the roles assigned to that Representative, state authorizations indicated and bond limits indicated.\n\n**Note:** Applies to Electronic Surety Bonds\n\n## rescind cancellation \n\nIn the context of ESB tracking, a surety company will be able to rescind the `Notice of Cancellation` if the Cancellation Effective Date has not elapsed. The bond will be set back to an `Executed` status when the cancellation is rescinded.\n\n**Note:** Applies to Electronic Surety Bonds\n\n## state agency \n\nState regulators that supervise a particular industry or business activity.\n\n## state authorization \n\nThe authorization granted by state agency for the surety entities to engage in suretyship in that jurisdiction.\n\n**Note:** Applies to Electronic Surety Bonds\n\n## surety bond \n\nA three party agreement whereby one party \\(the surety\\) is bound with the entity bonded \\(the principal\\) to a third party \\(the obligee\\). The bond guarantees the surety's performance or monetary compensation to the obligee should there be a failure by the principal to perform specified acts within a stated time period. In the context of ESB tracking, the surety bond is electronically managed in NMLS.\n\n**Note:** Applies to Electronic Surety Bonds\n\n## surety bond producer \n\nAn entity who handles surety bonds, producing business for the surety company. In the context of ESB tracking, a surety bond producer may have or may not have execution authority to sign the bond / rider.\n\n**Note:** Applies to Electronic Surety Bonds\n\n### agent \n\n## surety bond rider \n\nAn amendment to a previously-issued \\(and still active\\) surety bond. In the context of ESB tracking, Surety entities will be able to create a rider to update bond information if the bond is in an `Executed` status and has been delivered to the regulator. Only one rider can be created at a time. The rider must be signed by the licensee before another rider can be created.\n\n**Note:** Applies to Electronic Surety Bonds\n\n## surety company \n\nA c",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\esb_GlossaryGroup_2.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\esb_GlossaryGroup_2.md",
      "headings": [
        "Electronic Surety Bond \\(ESB\\) Terms {#xd_ce249bf7f1de6244--290e2ab-19990ca3186--7ff1 .glossgroup}",
        "association {#id_tc2_4sl_wgc}",
        "attorney-in-fact {#id_us1_3tl_wgc}",
        "authority {#id_tfk_stl_wgc}",
        "bond amount {#id_vwd_d5l_wgc}",
        "bond limit {#id_glq_w5l_wgc}",
        "bond number {#id_ebc_twl_wgc}",
        "bond status {#id_wgk_dxl_wgc}",
        "broker of record {#id_awx_jyl_wgc}",
        "BOR {#glossAlt_kx3_vxl_wgc .glossAlt}",
        "BOR Change {#id_vw1_czl_wgc}",
        "cancelled bond {#id_kw3_lzl_wgc}",
        "converted bond {#id_ds2_2cm_wgc}",
        "deleted bond or rider {#id_eyx_rhm_wgc}",
        "delivered bond {#id_u5y_sjm_wgc}",
        "effective date {#id_zdv_1lm_wgc}",
        "executed bond {#id_mkp_3lm_wgc}",
        "execution authority {#id_uvk_2bn_wgc}",
        "incoming [broker of record](g_ESB_brokerOfRecord.md) {#id_rt2_wcn_wgc}",
        "New BOR {#glossAlt_dtj_kcn_wgc .glossAlt}",
        "licensee {#id_imv_qdn_wgc}",
        "Principal {#glossAlt_ry2_ndn_wgc .glossAlt}",
        "minimum bond amount {#id_dcb_r2n_wgc}",
        "National Association of Insurance Commissioners number {#id_jx1_mfn_wgc}",
        "NAIC number {#glossAlt_gln_gfn_wgc .glossAlt}",
        "notice of cancellation {#id_cnj_xfn_wgc}",
        "NPN number {#id_y53_ngn_wgc}",
        "obligee {#id_xrt_zgn_wgc}",
        "Regulator {#glossAlt_wzv_vgn_wgc .glossAlt}",
        "other trade name {#id_elh_4hn_wgc}",
        "Doing Business As \\(DBA\\) {#glossAlt_wzv_vgn_wgc .glossAlt}",
        "OTN {#glossAlt_mhl_3hn_wgc .glossAlt}",
        "outgoing BOR {#id_ntt_b3n_wgc}",
        "Current BOR {#glossAlt_mhl_3hn_wgc .glossAlt}",
        "perpetual bond {#id_dlm_m3n_wgc}",
        "principal {#id_gvg_qln_wgc}",
        "Obligor {#glossAlt_ys3_dln_wgc .glossAlt}",
        "reinstated bond {#id_ivn_bmn_wgc}",
        "representative {#id_jhb_lmn_wgc}",
        "rescind cancellation {#id_qfb_vmn_wgc}",
        "state agency {#id_b3k_dnn_wgc}",
        "state authorization {#id_j4m_knn_wgc}",
        "surety bond {#id_fqp_snn_wgc}",
        "surety bond producer {#id_svy_14n_wgc}",
        "agent {#glossAlt_hkz_xnn_wgc .glossAlt}",
        "surety bond rider {#id_ak1_k4n_wgc}",
        "surety company {#id_l31_54n_wgc}",
        "broker {#glossAlt_d3s_44n_wgc .glossAlt}",
        "carrier {#glossAlt_uh3_p4n_wgc .glossAlt}",
        "surety entities {#id_xvj_bpn_wgc}",
        "underwriter {#id_jps_4pn_wgc}",
        "underwriting company {#id_dqv_zpn_wgc}",
        "writing paper {#glossAlt_gbz_5pn_wgc .glossAlt}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/esb_GlossaryGroup_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/esb_GlossaryGroup_2.md:chunk-6",
      "title": "Electronic Surety Bond \\(ESB\\) Terms {#xd_ce249bf7f1de6244--290e2ab-19990ca3186--7ff1 .glossgroup}",
      "content": "regulator. Only one rider can be created at a time. The rider must be signed by the licensee before another rider can be created.\n\n**Note:** Applies to Electronic Surety Bonds\n\n## surety company \n\nA corporation collaterally bound for the payment of money or the performance of an act or duty by the principal. In the context of ESB tracking, a surety company can create, manage and sign the bond/rider.\n\n**Note:** Applies to Electronic Surety Bonds\n\n### broker \n\n### carrier \n\n## surety entities \n\nIn the context of ESB tracking, Surety companies \\(SC\\) and surety bond producers \\(SBP\\) will be collectively referred as surety entities.\n\n**Note:** Applies to Electronic Surety Bonds\n\n## underwriter \n\nAn individual or employee of an insurance company who determines which risk to accept and the amount of such risks. In the context of ESB tracking, a surety entity can associate an underwriter user to a bond at the time of bond creation or at any time prior to bond cancellation.\n\n**Note:** Applies to Electronic Surety Bonds\n\n## underwriting company \n\nThe company associated with a surety company to underwrite the surety bond. In the context of ESB tracking, an underwriting company can be selected by the surety bond producer when they establish the business relationship.\n\n**Note:** Applies to Electronic Surety Bonds\n\n### writing paper",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\esb_GlossaryGroup_2.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\esb_GlossaryGroup_2.md",
      "headings": [
        "Electronic Surety Bond \\(ESB\\) Terms {#xd_ce249bf7f1de6244--290e2ab-19990ca3186--7ff1 .glossgroup}",
        "association {#id_tc2_4sl_wgc}",
        "attorney-in-fact {#id_us1_3tl_wgc}",
        "authority {#id_tfk_stl_wgc}",
        "bond amount {#id_vwd_d5l_wgc}",
        "bond limit {#id_glq_w5l_wgc}",
        "bond number {#id_ebc_twl_wgc}",
        "bond status {#id_wgk_dxl_wgc}",
        "broker of record {#id_awx_jyl_wgc}",
        "BOR {#glossAlt_kx3_vxl_wgc .glossAlt}",
        "BOR Change {#id_vw1_czl_wgc}",
        "cancelled bond {#id_kw3_lzl_wgc}",
        "converted bond {#id_ds2_2cm_wgc}",
        "deleted bond or rider {#id_eyx_rhm_wgc}",
        "delivered bond {#id_u5y_sjm_wgc}",
        "effective date {#id_zdv_1lm_wgc}",
        "executed bond {#id_mkp_3lm_wgc}",
        "execution authority {#id_uvk_2bn_wgc}",
        "incoming [broker of record](g_ESB_brokerOfRecord.md) {#id_rt2_wcn_wgc}",
        "New BOR {#glossAlt_dtj_kcn_wgc .glossAlt}",
        "licensee {#id_imv_qdn_wgc}",
        "Principal {#glossAlt_ry2_ndn_wgc .glossAlt}",
        "minimum bond amount {#id_dcb_r2n_wgc}",
        "National Association of Insurance Commissioners number {#id_jx1_mfn_wgc}",
        "NAIC number {#glossAlt_gln_gfn_wgc .glossAlt}",
        "notice of cancellation {#id_cnj_xfn_wgc}",
        "NPN number {#id_y53_ngn_wgc}",
        "obligee {#id_xrt_zgn_wgc}",
        "Regulator {#glossAlt_wzv_vgn_wgc .glossAlt}",
        "other trade name {#id_elh_4hn_wgc}",
        "Doing Business As \\(DBA\\) {#glossAlt_wzv_vgn_wgc .glossAlt}",
        "OTN {#glossAlt_mhl_3hn_wgc .glossAlt}",
        "outgoing BOR {#id_ntt_b3n_wgc}",
        "Current BOR {#glossAlt_mhl_3hn_wgc .glossAlt}",
        "perpetual bond {#id_dlm_m3n_wgc}",
        "principal {#id_gvg_qln_wgc}",
        "Obligor {#glossAlt_ys3_dln_wgc .glossAlt}",
        "reinstated bond {#id_ivn_bmn_wgc}",
        "representative {#id_jhb_lmn_wgc}",
        "rescind cancellation {#id_qfb_vmn_wgc}",
        "state agency {#id_b3k_dnn_wgc}",
        "state authorization {#id_j4m_knn_wgc}",
        "surety bond {#id_fqp_snn_wgc}",
        "surety bond producer {#id_svy_14n_wgc}",
        "agent {#glossAlt_hkz_xnn_wgc .glossAlt}",
        "surety bond rider {#id_ak1_k4n_wgc}",
        "surety company {#id_l31_54n_wgc}",
        "broker {#glossAlt_d3s_44n_wgc .glossAlt}",
        "carrier {#glossAlt_uh3_p4n_wgc .glossAlt}",
        "surety entities {#id_xvj_bpn_wgc}",
        "underwriter {#id_jps_4pn_wgc}",
        "underwriting company {#id_dqv_zpn_wgc}",
        "writing paper {#glossAlt_gbz_5pn_wgc .glossAlt}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/esb_GlossaryGroup_2.html",
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    {
      "id": "maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/esb_GlossaryGroup_3.md:chunk-0",
      "title": "Electronic Surety Bond \\(ESB\\) Terms {#xd_ce249bf7f1de6244--290e2ab-19990ca3186--7ff1 .glossgroup}",
      "content": "# Electronic Surety Bond \\(ESB\\) Terms \n\n**Parent topic:**Electronic Surety Bond \\(ESB\\) Glossary\n\n## association \n\nIn the context of ESB tracking, it is the relationship between surety company and surety bond producer. The surety company will grant the surety bond producer the ability to create and manage the bond/rider on behalf of surety company subject to identified state authorizations and bond limits. Only representatives designated in the Association are be able to sign bonds/riders on behalf of the surety company.\n\n**Note:** Applies to Electronic Surety Bonds\n\n## attorney-in-fact \n\nAn entity that holds a Power of Attorney, granted by a surety company, empowering the execution of a surety bond. In the context of ESB tracking, the attorney-in-fact is the representative of surety bond producer with execution authority.\n\n**Note:** Applies to Electronic Surety Bonds\n\n## authority \n\nIn the context of ESB tracking, authority provides a surety entity with access to the licensee for the purpose of managing bonds on behalf of the licensee.\n\n**Note:** Applies to Electronic Surety Bonds\n\n## bond amount \n\nAlso called penal amount or penal sum, it is the amount of liability under a bond.\n\n**Note:** Applies to Electronic Surety Bonds\n\n## bond limit \n\nThe maximum bond amount that a surety entity is allowed to enter when creating or updating the bond.\n\n**Note:** Applies to Electronic Surety Bonds\n\n## bond number \n\nAn alphanumeric identifier that is issued by a surety entity and associated with a bond. In the context of ESB tracking, a bond number is required when an existing bond is converted or a new bond is created in NMLS.\n\n**Note:** Applies to Electronic Surety Bonds\n\n## bond status \n\nIn the context of ESB tracking, a status associated with a bond in NMLS ESB.\n\n**Note:** Applies to Electronic Surety Bonds\n\n## broker of record \n\nAn entity that has a contractual agreement with a principal in the management of surety bond/rider. In the context of ESB tracking, a BOR with ex",
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      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\esb_GlossaryGroup_3.md",
      "headings": [
        "Electronic Surety Bond \\(ESB\\) Terms {#xd_ce249bf7f1de6244--290e2ab-19990ca3186--7ff1 .glossgroup}",
        "association {#id_tc2_4sl_wgc}",
        "attorney-in-fact {#id_us1_3tl_wgc}",
        "authority {#id_tfk_stl_wgc}",
        "bond amount {#id_vwd_d5l_wgc}",
        "bond limit {#id_glq_w5l_wgc}",
        "bond number {#id_ebc_twl_wgc}",
        "bond status {#id_wgk_dxl_wgc}",
        "broker of record {#id_awx_jyl_wgc}",
        "BOR {#glossAlt_kx3_vxl_wgc .glossAlt}",
        "BOR Change {#id_vw1_czl_wgc}",
        "cancelled bond {#id_kw3_lzl_wgc}",
        "converted bond {#id_ds2_2cm_wgc}",
        "deleted bond or rider {#id_eyx_rhm_wgc}",
        "delivered bond {#id_u5y_sjm_wgc}",
        "effective date {#id_zdv_1lm_wgc}",
        "executed bond {#id_mkp_3lm_wgc}",
        "execution authority {#id_uvk_2bn_wgc}",
        "incoming [broker of record](g_ESB_brokerOfRecord.md) {#id_rt2_wcn_wgc}",
        "New BOR {#glossAlt_dtj_kcn_wgc .glossAlt}",
        "licensee {#id_imv_qdn_wgc}",
        "Principal {#glossAlt_ry2_ndn_wgc .glossAlt}",
        "minimum bond amount {#id_dcb_r2n_wgc}",
        "National Association of Insurance Commissioners number {#id_jx1_mfn_wgc}",
        "NAIC number {#glossAlt_gln_gfn_wgc .glossAlt}",
        "notice of cancellation {#id_cnj_xfn_wgc}",
        "NPN number {#id_y53_ngn_wgc}",
        "obligee {#id_xrt_zgn_wgc}",
        "Regulator {#glossAlt_wzv_vgn_wgc .glossAlt}",
        "other trade name {#id_elh_4hn_wgc}",
        "Doing Business As \\(DBA\\) {#glossAlt_wzv_vgn_wgc .glossAlt}",
        "OTN {#glossAlt_mhl_3hn_wgc .glossAlt}",
        "outgoing BOR {#id_ntt_b3n_wgc}",
        "Current BOR {#glossAlt_mhl_3hn_wgc .glossAlt}",
        "perpetual bond {#id_dlm_m3n_wgc}",
        "principal {#id_gvg_qln_wgc}",
        "Obligor {#glossAlt_ys3_dln_wgc .glossAlt}",
        "reinstated bond {#id_ivn_bmn_wgc}",
        "representative {#id_jhb_lmn_wgc}",
        "rescind cancellation {#id_qfb_vmn_wgc}",
        "state agency {#id_b3k_dnn_wgc}",
        "state authorization {#id_j4m_knn_wgc}",
        "surety bond {#id_fqp_snn_wgc}",
        "surety bond producer {#id_svy_14n_wgc}",
        "agent {#glossAlt_hkz_xnn_wgc .glossAlt}",
        "surety bond rider {#id_ak1_k4n_wgc}",
        "surety company {#id_l31_54n_wgc}",
        "broker {#glossAlt_d3s_44n_wgc .glossAlt}",
        "carrier {#glossAlt_uh3_p4n_wgc .glossAlt}",
        "surety entities {#id_xvj_bpn_wgc}",
        "underwriter {#id_jps_4pn_wgc}",
        "underwriting company {#id_dqv_zpn_wgc}",
        "writing paper {#glossAlt_gbz_5pn_wgc .glossAlt}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/esb_GlossaryGroup_3.html",
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    {
      "id": "maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/esb_GlossaryGroup_3.md:chunk-1",
      "title": "Electronic Surety Bond \\(ESB\\) Terms {#xd_ce249bf7f1de6244--290e2ab-19990ca3186--7ff1 .glossgroup}",
      "content": "lies to Electronic Surety Bonds\n\n## broker of record \n\nAn entity that has a contractual agreement with a principal in the management of surety bond/rider. In the context of ESB tracking, a BOR with execution authority will be able to sign the bond/rider, a BOR without execution authority will not be able sign the bond / rider and in this case, the bond / rider will need to be signed by the associated surety company.\n\nBroker of Record \\(BOR\\)\n\n**Note:** Applies to Electronic Surety Bonds\n\n### BOR \n\n## BOR Change \n\nThe process for a surety company to replace an existing \\(outgoing\\) broker of record with a new \\(incoming\\) BOR. In the context of ESB tracking, a BOR change is initiated by the surety company and must be confirmed by the licensee.\n\n**Note:** Applies to Electronic Surety Bonds\n\n## cancelled bond \n\nA bond that has been specifically cancelled by the issuing surety company/surety bond producer and is then considered to be \"inactive\" in NMLS, but sometimes continues to hold the obligations set forth in the Bond Terms.\n\n**Note:** Applies to Electronic Surety Bonds\n\n## converted bond \n\nThe process for surety entity to convert a paper bond that has previously been delivered to a regulator outside NMLS to an electronic bond, the surety entity should identify the bond as a converted bond. The effective date for a converted bond will default to the surety signatory date.\n\n**Note:** Applies to Electronic Surety Bonds\n\n## deleted bond or rider \n\nIn the context of ESB tracking, a surety entity will be able to delete a bond or rider in a `Requires Rep Signature` or `Returned to Surety` status. Once deleted, the bond or rider will no longer be visible to NMLS users. However, a record will be retained in the database.\n\n**Note:** Applies to Electronic Surety Bonds\n\n## delivered bond \n\nOnce the bond is signed by the surety and licensee, it is ready to be delivered. If the licensee has an existing license, the bond will be delivered immediately to the regulator. If the lice",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\esb_GlossaryGroup_3.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\esb_GlossaryGroup_3.md",
      "headings": [
        "Electronic Surety Bond \\(ESB\\) Terms {#xd_ce249bf7f1de6244--290e2ab-19990ca3186--7ff1 .glossgroup}",
        "association {#id_tc2_4sl_wgc}",
        "attorney-in-fact {#id_us1_3tl_wgc}",
        "authority {#id_tfk_stl_wgc}",
        "bond amount {#id_vwd_d5l_wgc}",
        "bond limit {#id_glq_w5l_wgc}",
        "bond number {#id_ebc_twl_wgc}",
        "bond status {#id_wgk_dxl_wgc}",
        "broker of record {#id_awx_jyl_wgc}",
        "BOR {#glossAlt_kx3_vxl_wgc .glossAlt}",
        "BOR Change {#id_vw1_czl_wgc}",
        "cancelled bond {#id_kw3_lzl_wgc}",
        "converted bond {#id_ds2_2cm_wgc}",
        "deleted bond or rider {#id_eyx_rhm_wgc}",
        "delivered bond {#id_u5y_sjm_wgc}",
        "effective date {#id_zdv_1lm_wgc}",
        "executed bond {#id_mkp_3lm_wgc}",
        "execution authority {#id_uvk_2bn_wgc}",
        "incoming [broker of record](g_ESB_brokerOfRecord.md) {#id_rt2_wcn_wgc}",
        "New BOR {#glossAlt_dtj_kcn_wgc .glossAlt}",
        "licensee {#id_imv_qdn_wgc}",
        "Principal {#glossAlt_ry2_ndn_wgc .glossAlt}",
        "minimum bond amount {#id_dcb_r2n_wgc}",
        "National Association of Insurance Commissioners number {#id_jx1_mfn_wgc}",
        "NAIC number {#glossAlt_gln_gfn_wgc .glossAlt}",
        "notice of cancellation {#id_cnj_xfn_wgc}",
        "NPN number {#id_y53_ngn_wgc}",
        "obligee {#id_xrt_zgn_wgc}",
        "Regulator {#glossAlt_wzv_vgn_wgc .glossAlt}",
        "other trade name {#id_elh_4hn_wgc}",
        "Doing Business As \\(DBA\\) {#glossAlt_wzv_vgn_wgc .glossAlt}",
        "OTN {#glossAlt_mhl_3hn_wgc .glossAlt}",
        "outgoing BOR {#id_ntt_b3n_wgc}",
        "Current BOR {#glossAlt_mhl_3hn_wgc .glossAlt}",
        "perpetual bond {#id_dlm_m3n_wgc}",
        "principal {#id_gvg_qln_wgc}",
        "Obligor {#glossAlt_ys3_dln_wgc .glossAlt}",
        "reinstated bond {#id_ivn_bmn_wgc}",
        "representative {#id_jhb_lmn_wgc}",
        "rescind cancellation {#id_qfb_vmn_wgc}",
        "state agency {#id_b3k_dnn_wgc}",
        "state authorization {#id_j4m_knn_wgc}",
        "surety bond {#id_fqp_snn_wgc}",
        "surety bond producer {#id_svy_14n_wgc}",
        "agent {#glossAlt_hkz_xnn_wgc .glossAlt}",
        "surety bond rider {#id_ak1_k4n_wgc}",
        "surety company {#id_l31_54n_wgc}",
        "broker {#glossAlt_d3s_44n_wgc .glossAlt}",
        "carrier {#glossAlt_uh3_p4n_wgc .glossAlt}",
        "surety entities {#id_xvj_bpn_wgc}",
        "underwriter {#id_jps_4pn_wgc}",
        "underwriting company {#id_dqv_zpn_wgc}",
        "writing paper {#glossAlt_gbz_5pn_wgc .glossAlt}"
      ],
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    {
      "id": "maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/esb_GlossaryGroup_3.md:chunk-2",
      "title": "Electronic Surety Bond \\(ESB\\) Terms {#xd_ce249bf7f1de6244--290e2ab-19990ca3186--7ff1 .glossgroup}",
      "content": "ed bond \n\nOnce the bond is signed by the surety and licensee, it is ready to be delivered. If the licensee has an existing license, the bond will be delivered immediately to the regulator. If the licensee has a pending license application, the bond will be delivered to the regulator at the time the license application is submitted.\n\n**Note:** Applies to Electronic Surety Bonds\n\n## effective date \n\nAlso called bond effective date, the date on which bond coverage becomes effective. In the context of ESB tracking, the effective date for a converted bond is populated with the surety signatory date. The Effective Date for a new bond can be provided by the surety.\n\n**Note:** Applies to Electronic Surety Bonds\n\n**Note:** alternative term for bond effective date\n\n## executed bond \n\nA bond that has been prepared and signed by a surety entity and subsequently reviewed and signed by the Licensee.\n\n**Note:** Applies to Electronic Surety Bonds\n\n## execution authority \n\nIn the context of ESB tracking, the power and authority granted by surety company, through power of attorney, to surety bond producer, who will be able to take certain actions or to bind the surety company to specified obligations\n\n**Note:** Applies to Electronic Surety Bonds\n\n## incoming broker of record \n\nWhen a licensee decides to end a business arrangement with one surety bond producer and begins working with a new surety bond producer, a new broker of record relationship is established between the licensee/principal and the new surety bond producer. In the context of ESB tracking, confirmation of the broker of record change will be allowed only when all pending surety bonds and riders have been delivered or deleted.\n\n**Note:** Applies to Electronic Surety Bonds\n\n### New BOR \n\n## licensee \n\nA person, company, etc., to whom a license is granted or issued by state agencies, in order to conduct related business in the jurisdiction. With respect to surety bonds, the Licensee is the Principal on the bond.\n\n**Note:*",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\esb_GlossaryGroup_3.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\esb_GlossaryGroup_3.md",
      "headings": [
        "Electronic Surety Bond \\(ESB\\) Terms {#xd_ce249bf7f1de6244--290e2ab-19990ca3186--7ff1 .glossgroup}",
        "association {#id_tc2_4sl_wgc}",
        "attorney-in-fact {#id_us1_3tl_wgc}",
        "authority {#id_tfk_stl_wgc}",
        "bond amount {#id_vwd_d5l_wgc}",
        "bond limit {#id_glq_w5l_wgc}",
        "bond number {#id_ebc_twl_wgc}",
        "bond status {#id_wgk_dxl_wgc}",
        "broker of record {#id_awx_jyl_wgc}",
        "BOR {#glossAlt_kx3_vxl_wgc .glossAlt}",
        "BOR Change {#id_vw1_czl_wgc}",
        "cancelled bond {#id_kw3_lzl_wgc}",
        "converted bond {#id_ds2_2cm_wgc}",
        "deleted bond or rider {#id_eyx_rhm_wgc}",
        "delivered bond {#id_u5y_sjm_wgc}",
        "effective date {#id_zdv_1lm_wgc}",
        "executed bond {#id_mkp_3lm_wgc}",
        "execution authority {#id_uvk_2bn_wgc}",
        "incoming [broker of record](g_ESB_brokerOfRecord.md) {#id_rt2_wcn_wgc}",
        "New BOR {#glossAlt_dtj_kcn_wgc .glossAlt}",
        "licensee {#id_imv_qdn_wgc}",
        "Principal {#glossAlt_ry2_ndn_wgc .glossAlt}",
        "minimum bond amount {#id_dcb_r2n_wgc}",
        "National Association of Insurance Commissioners number {#id_jx1_mfn_wgc}",
        "NAIC number {#glossAlt_gln_gfn_wgc .glossAlt}",
        "notice of cancellation {#id_cnj_xfn_wgc}",
        "NPN number {#id_y53_ngn_wgc}",
        "obligee {#id_xrt_zgn_wgc}",
        "Regulator {#glossAlt_wzv_vgn_wgc .glossAlt}",
        "other trade name {#id_elh_4hn_wgc}",
        "Doing Business As \\(DBA\\) {#glossAlt_wzv_vgn_wgc .glossAlt}",
        "OTN {#glossAlt_mhl_3hn_wgc .glossAlt}",
        "outgoing BOR {#id_ntt_b3n_wgc}",
        "Current BOR {#glossAlt_mhl_3hn_wgc .glossAlt}",
        "perpetual bond {#id_dlm_m3n_wgc}",
        "principal {#id_gvg_qln_wgc}",
        "Obligor {#glossAlt_ys3_dln_wgc .glossAlt}",
        "reinstated bond {#id_ivn_bmn_wgc}",
        "representative {#id_jhb_lmn_wgc}",
        "rescind cancellation {#id_qfb_vmn_wgc}",
        "state agency {#id_b3k_dnn_wgc}",
        "state authorization {#id_j4m_knn_wgc}",
        "surety bond {#id_fqp_snn_wgc}",
        "surety bond producer {#id_svy_14n_wgc}",
        "agent {#glossAlt_hkz_xnn_wgc .glossAlt}",
        "surety bond rider {#id_ak1_k4n_wgc}",
        "surety company {#id_l31_54n_wgc}",
        "broker {#glossAlt_d3s_44n_wgc .glossAlt}",
        "carrier {#glossAlt_uh3_p4n_wgc .glossAlt}",
        "surety entities {#id_xvj_bpn_wgc}",
        "underwriter {#id_jps_4pn_wgc}",
        "underwriting company {#id_dqv_zpn_wgc}",
        "writing paper {#glossAlt_gbz_5pn_wgc .glossAlt}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/esb_GlossaryGroup_3.html",
      "snippet": null
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    {
      "id": "maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/esb_GlossaryGroup_3.md:chunk-3",
      "title": "Electronic Surety Bond \\(ESB\\) Terms {#xd_ce249bf7f1de6244--290e2ab-19990ca3186--7ff1 .glossgroup}",
      "content": ", to whom a license is granted or issued by state agencies, in order to conduct related business in the jurisdiction. With respect to surety bonds, the Licensee is the Principal on the bond.\n\n**Note:** Applies to Electronic Surety Bonds\n\n### Principal \n\nprincipal\n\n## minimum bond amount \n\nThe minimum bond amount that is required by state agency for a surety bond associated with a specific license type.\n\n**Note:** Applies to Electronic Surety Bonds\n\n## National Association of Insurance Commissioners number \n\nUnique identifier for a surety company assigned by the National Association of Insurance Commissioners. In the context of ESB tracking, NAIC number will be used throughout NMLS to identify a surety company.\n\nNational Association of Insurance Commissioners \\(NAIC\\) number\n\n**Note:** Applies to Electronic Surety Bonds\n\n### NAIC number \n\n## notice of cancellation \n\nSubmission by a surety company indicating a bond will be cancelled on the effective date provided. If cancelled prior to delivery to the regulator, cancellation is immediate. Once delivered to the regulator, if permitted by the state, notice of cancellation must comply with state advance notice requirements. Upon submission, the bond status will be updated to `Notice of Cancellation`.\n\n**Note:** Applies to Electronic Surety Bonds\n\n## NPN number \n\nUnique identifier assigned by the National Association of Insurance Commissioners \\(NAIC\\) through the licensing application process or the NAIC reporting systems to individuals and business entities \\(including, but not limited to producers, adjusters, and navigators\\) engaged in insurance related activities regulated by a state insurance department. The NPN is used to track those individuals and business entities on a national basis. In the context of ESB tracking, this unique identifier will be used throughout NMLS to identify a Representative of a Surety Bond Producer.\n\n**Note:** Applies to Electronic Surety Bonds\n\n## obligee \n\nThe entity that is protected ag",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\esb_GlossaryGroup_3.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\esb_GlossaryGroup_3.md",
      "headings": [
        "Electronic Surety Bond \\(ESB\\) Terms {#xd_ce249bf7f1de6244--290e2ab-19990ca3186--7ff1 .glossgroup}",
        "association {#id_tc2_4sl_wgc}",
        "attorney-in-fact {#id_us1_3tl_wgc}",
        "authority {#id_tfk_stl_wgc}",
        "bond amount {#id_vwd_d5l_wgc}",
        "bond limit {#id_glq_w5l_wgc}",
        "bond number {#id_ebc_twl_wgc}",
        "bond status {#id_wgk_dxl_wgc}",
        "broker of record {#id_awx_jyl_wgc}",
        "BOR {#glossAlt_kx3_vxl_wgc .glossAlt}",
        "BOR Change {#id_vw1_czl_wgc}",
        "cancelled bond {#id_kw3_lzl_wgc}",
        "converted bond {#id_ds2_2cm_wgc}",
        "deleted bond or rider {#id_eyx_rhm_wgc}",
        "delivered bond {#id_u5y_sjm_wgc}",
        "effective date {#id_zdv_1lm_wgc}",
        "executed bond {#id_mkp_3lm_wgc}",
        "execution authority {#id_uvk_2bn_wgc}",
        "incoming [broker of record](g_ESB_brokerOfRecord.md) {#id_rt2_wcn_wgc}",
        "New BOR {#glossAlt_dtj_kcn_wgc .glossAlt}",
        "licensee {#id_imv_qdn_wgc}",
        "Principal {#glossAlt_ry2_ndn_wgc .glossAlt}",
        "minimum bond amount {#id_dcb_r2n_wgc}",
        "National Association of Insurance Commissioners number {#id_jx1_mfn_wgc}",
        "NAIC number {#glossAlt_gln_gfn_wgc .glossAlt}",
        "notice of cancellation {#id_cnj_xfn_wgc}",
        "NPN number {#id_y53_ngn_wgc}",
        "obligee {#id_xrt_zgn_wgc}",
        "Regulator {#glossAlt_wzv_vgn_wgc .glossAlt}",
        "other trade name {#id_elh_4hn_wgc}",
        "Doing Business As \\(DBA\\) {#glossAlt_wzv_vgn_wgc .glossAlt}",
        "OTN {#glossAlt_mhl_3hn_wgc .glossAlt}",
        "outgoing BOR {#id_ntt_b3n_wgc}",
        "Current BOR {#glossAlt_mhl_3hn_wgc .glossAlt}",
        "perpetual bond {#id_dlm_m3n_wgc}",
        "principal {#id_gvg_qln_wgc}",
        "Obligor {#glossAlt_ys3_dln_wgc .glossAlt}",
        "reinstated bond {#id_ivn_bmn_wgc}",
        "representative {#id_jhb_lmn_wgc}",
        "rescind cancellation {#id_qfb_vmn_wgc}",
        "state agency {#id_b3k_dnn_wgc}",
        "state authorization {#id_j4m_knn_wgc}",
        "surety bond {#id_fqp_snn_wgc}",
        "surety bond producer {#id_svy_14n_wgc}",
        "agent {#glossAlt_hkz_xnn_wgc .glossAlt}",
        "surety bond rider {#id_ak1_k4n_wgc}",
        "surety company {#id_l31_54n_wgc}",
        "broker {#glossAlt_d3s_44n_wgc .glossAlt}",
        "carrier {#glossAlt_uh3_p4n_wgc .glossAlt}",
        "surety entities {#id_xvj_bpn_wgc}",
        "underwriter {#id_jps_4pn_wgc}",
        "underwriting company {#id_dqv_zpn_wgc}",
        "writing paper {#glossAlt_gbz_5pn_wgc .glossAlt}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/esb_GlossaryGroup_3.html",
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    {
      "id": "maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/esb_GlossaryGroup_3.md:chunk-4",
      "title": "Electronic Surety Bond \\(ESB\\) Terms {#xd_ce249bf7f1de6244--290e2ab-19990ca3186--7ff1 .glossgroup}",
      "content": " this unique identifier will be used throughout NMLS to identify a Representative of a Surety Bond Producer.\n\n**Note:** Applies to Electronic Surety Bonds\n\n## obligee \n\nThe entity that is protected against loss by a surety bond. In the context of ESB tracking, the obligee is the state agency.\n\n**Note:** Applies to Electronic Surety Bonds\n\n### Regulator \n\n## other trade name \n\nOther trade name is the business name under which the license conducts its business.\n\nOther Trade Name \\(OTN\\)\n\n**Note:** Applies to Electronic Surety Bonds\n\n### Doing Business As \\(DBA\\) \n\n### OTN \n\n## outgoing BOR \n\nThe surety entity that currently has an existing broker of record relationship with the licensee/principal, but the licensee/principal has decided to terminate the current business relationship.\n\n**Note:** Applies to Electronic Surety Bonds\n\n### Current BOR \n\nbroker of record\n\n## perpetual bond \n\nA type of bond that doesn’t have an expiration date.\n\n**Note:** Applies to Electronic Surety Bonds\n\n## principal \n\nIn suretyship, the party whose actions, honesty or responsibility is to be guaranteed. In the context of ESB tracking, the principal is the licensee.\n\n**Note:** Applies to Electronic Surety Bonds\n\n### Obligor \n\nlicensee\n\n## reinstated bond \n\nIn the context of ESB tracking, a surety company will be able to reinstate a cancelled bond if the Cancellation Effective Date is in the past. The bond will be set back to an `Executed` status when the reinstatement is submitted as of the Cancellation Effective Date.\n\n**Note:** Applies to Electronic Surety Bonds\n\n## representative \n\nIn the context of ESB tracking, this is a person associated to a surety company or a surety bond producer, who can manage bonds on behalf of the surety company or surety bond producer. The Representative's bond management ability is limited by the roles assigned to that Representative, state authorizations indicated and bond limits indicated.\n\n**Note:** Applies to Electronic Surety Bonds\n\n## rescind cancellati",
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      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\esb_GlossaryGroup_3.md",
      "headings": [
        "Electronic Surety Bond \\(ESB\\) Terms {#xd_ce249bf7f1de6244--290e2ab-19990ca3186--7ff1 .glossgroup}",
        "association {#id_tc2_4sl_wgc}",
        "attorney-in-fact {#id_us1_3tl_wgc}",
        "authority {#id_tfk_stl_wgc}",
        "bond amount {#id_vwd_d5l_wgc}",
        "bond limit {#id_glq_w5l_wgc}",
        "bond number {#id_ebc_twl_wgc}",
        "bond status {#id_wgk_dxl_wgc}",
        "broker of record {#id_awx_jyl_wgc}",
        "BOR {#glossAlt_kx3_vxl_wgc .glossAlt}",
        "BOR Change {#id_vw1_czl_wgc}",
        "cancelled bond {#id_kw3_lzl_wgc}",
        "converted bond {#id_ds2_2cm_wgc}",
        "deleted bond or rider {#id_eyx_rhm_wgc}",
        "delivered bond {#id_u5y_sjm_wgc}",
        "effective date {#id_zdv_1lm_wgc}",
        "executed bond {#id_mkp_3lm_wgc}",
        "execution authority {#id_uvk_2bn_wgc}",
        "incoming [broker of record](g_ESB_brokerOfRecord.md) {#id_rt2_wcn_wgc}",
        "New BOR {#glossAlt_dtj_kcn_wgc .glossAlt}",
        "licensee {#id_imv_qdn_wgc}",
        "Principal {#glossAlt_ry2_ndn_wgc .glossAlt}",
        "minimum bond amount {#id_dcb_r2n_wgc}",
        "National Association of Insurance Commissioners number {#id_jx1_mfn_wgc}",
        "NAIC number {#glossAlt_gln_gfn_wgc .glossAlt}",
        "notice of cancellation {#id_cnj_xfn_wgc}",
        "NPN number {#id_y53_ngn_wgc}",
        "obligee {#id_xrt_zgn_wgc}",
        "Regulator {#glossAlt_wzv_vgn_wgc .glossAlt}",
        "other trade name {#id_elh_4hn_wgc}",
        "Doing Business As \\(DBA\\) {#glossAlt_wzv_vgn_wgc .glossAlt}",
        "OTN {#glossAlt_mhl_3hn_wgc .glossAlt}",
        "outgoing BOR {#id_ntt_b3n_wgc}",
        "Current BOR {#glossAlt_mhl_3hn_wgc .glossAlt}",
        "perpetual bond {#id_dlm_m3n_wgc}",
        "principal {#id_gvg_qln_wgc}",
        "Obligor {#glossAlt_ys3_dln_wgc .glossAlt}",
        "reinstated bond {#id_ivn_bmn_wgc}",
        "representative {#id_jhb_lmn_wgc}",
        "rescind cancellation {#id_qfb_vmn_wgc}",
        "state agency {#id_b3k_dnn_wgc}",
        "state authorization {#id_j4m_knn_wgc}",
        "surety bond {#id_fqp_snn_wgc}",
        "surety bond producer {#id_svy_14n_wgc}",
        "agent {#glossAlt_hkz_xnn_wgc .glossAlt}",
        "surety bond rider {#id_ak1_k4n_wgc}",
        "surety company {#id_l31_54n_wgc}",
        "broker {#glossAlt_d3s_44n_wgc .glossAlt}",
        "carrier {#glossAlt_uh3_p4n_wgc .glossAlt}",
        "surety entities {#id_xvj_bpn_wgc}",
        "underwriter {#id_jps_4pn_wgc}",
        "underwriting company {#id_dqv_zpn_wgc}",
        "writing paper {#glossAlt_gbz_5pn_wgc .glossAlt}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/esb_GlossaryGroup_3.html",
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    {
      "id": "maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/esb_GlossaryGroup_3.md:chunk-5",
      "title": "Electronic Surety Bond \\(ESB\\) Terms {#xd_ce249bf7f1de6244--290e2ab-19990ca3186--7ff1 .glossgroup}",
      "content": "nagement ability is limited by the roles assigned to that Representative, state authorizations indicated and bond limits indicated.\n\n**Note:** Applies to Electronic Surety Bonds\n\n## rescind cancellation \n\nIn the context of ESB tracking, a surety company will be able to rescind the `Notice of Cancellation` if the Cancellation Effective Date has not elapsed. The bond will be set back to an `Executed` status when the cancellation is rescinded.\n\n**Note:** Applies to Electronic Surety Bonds\n\n## state agency \n\nState regulators that supervise a particular industry or business activity.\n\n## state authorization \n\nThe authorization granted by state agency for the surety entities to engage in suretyship in that jurisdiction.\n\n**Note:** Applies to Electronic Surety Bonds\n\n## surety bond \n\nA three party agreement whereby one party \\(the surety\\) is bound with the entity bonded \\(the principal\\) to a third party \\(the obligee\\). The bond guarantees the surety's performance or monetary compensation to the obligee should there be a failure by the principal to perform specified acts within a stated time period. In the context of ESB tracking, the surety bond is electronically managed in NMLS.\n\n**Note:** Applies to Electronic Surety Bonds\n\n## surety bond producer \n\nAn entity who handles surety bonds, producing business for the surety company. In the context of ESB tracking, a surety bond producer may have or may not have execution authority to sign the bond / rider.\n\n**Note:** Applies to Electronic Surety Bonds\n\n### agent \n\n## surety bond rider \n\nAn amendment to a previously-issued \\(and still active\\) surety bond. In the context of ESB tracking, Surety entities will be able to create a rider to update bond information if the bond is in an `Executed` status and has been delivered to the regulator. Only one rider can be created at a time. The rider must be signed by the licensee before another rider can be created.\n\n**Note:** Applies to Electronic Surety Bonds\n\n## surety company \n\nA c",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\esb_GlossaryGroup_3.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\esb_GlossaryGroup_3.md",
      "headings": [
        "Electronic Surety Bond \\(ESB\\) Terms {#xd_ce249bf7f1de6244--290e2ab-19990ca3186--7ff1 .glossgroup}",
        "association {#id_tc2_4sl_wgc}",
        "attorney-in-fact {#id_us1_3tl_wgc}",
        "authority {#id_tfk_stl_wgc}",
        "bond amount {#id_vwd_d5l_wgc}",
        "bond limit {#id_glq_w5l_wgc}",
        "bond number {#id_ebc_twl_wgc}",
        "bond status {#id_wgk_dxl_wgc}",
        "broker of record {#id_awx_jyl_wgc}",
        "BOR {#glossAlt_kx3_vxl_wgc .glossAlt}",
        "BOR Change {#id_vw1_czl_wgc}",
        "cancelled bond {#id_kw3_lzl_wgc}",
        "converted bond {#id_ds2_2cm_wgc}",
        "deleted bond or rider {#id_eyx_rhm_wgc}",
        "delivered bond {#id_u5y_sjm_wgc}",
        "effective date {#id_zdv_1lm_wgc}",
        "executed bond {#id_mkp_3lm_wgc}",
        "execution authority {#id_uvk_2bn_wgc}",
        "incoming [broker of record](g_ESB_brokerOfRecord.md) {#id_rt2_wcn_wgc}",
        "New BOR {#glossAlt_dtj_kcn_wgc .glossAlt}",
        "licensee {#id_imv_qdn_wgc}",
        "Principal {#glossAlt_ry2_ndn_wgc .glossAlt}",
        "minimum bond amount {#id_dcb_r2n_wgc}",
        "National Association of Insurance Commissioners number {#id_jx1_mfn_wgc}",
        "NAIC number {#glossAlt_gln_gfn_wgc .glossAlt}",
        "notice of cancellation {#id_cnj_xfn_wgc}",
        "NPN number {#id_y53_ngn_wgc}",
        "obligee {#id_xrt_zgn_wgc}",
        "Regulator {#glossAlt_wzv_vgn_wgc .glossAlt}",
        "other trade name {#id_elh_4hn_wgc}",
        "Doing Business As \\(DBA\\) {#glossAlt_wzv_vgn_wgc .glossAlt}",
        "OTN {#glossAlt_mhl_3hn_wgc .glossAlt}",
        "outgoing BOR {#id_ntt_b3n_wgc}",
        "Current BOR {#glossAlt_mhl_3hn_wgc .glossAlt}",
        "perpetual bond {#id_dlm_m3n_wgc}",
        "principal {#id_gvg_qln_wgc}",
        "Obligor {#glossAlt_ys3_dln_wgc .glossAlt}",
        "reinstated bond {#id_ivn_bmn_wgc}",
        "representative {#id_jhb_lmn_wgc}",
        "rescind cancellation {#id_qfb_vmn_wgc}",
        "state agency {#id_b3k_dnn_wgc}",
        "state authorization {#id_j4m_knn_wgc}",
        "surety bond {#id_fqp_snn_wgc}",
        "surety bond producer {#id_svy_14n_wgc}",
        "agent {#glossAlt_hkz_xnn_wgc .glossAlt}",
        "surety bond rider {#id_ak1_k4n_wgc}",
        "surety company {#id_l31_54n_wgc}",
        "broker {#glossAlt_d3s_44n_wgc .glossAlt}",
        "carrier {#glossAlt_uh3_p4n_wgc .glossAlt}",
        "surety entities {#id_xvj_bpn_wgc}",
        "underwriter {#id_jps_4pn_wgc}",
        "underwriting company {#id_dqv_zpn_wgc}",
        "writing paper {#glossAlt_gbz_5pn_wgc .glossAlt}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/esb_GlossaryGroup_3.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/esb_GlossaryGroup_3.md:chunk-6",
      "title": "Electronic Surety Bond \\(ESB\\) Terms {#xd_ce249bf7f1de6244--290e2ab-19990ca3186--7ff1 .glossgroup}",
      "content": "regulator. Only one rider can be created at a time. The rider must be signed by the licensee before another rider can be created.\n\n**Note:** Applies to Electronic Surety Bonds\n\n## surety company \n\nA corporation collaterally bound for the payment of money or the performance of an act or duty by the principal. In the context of ESB tracking, a surety company can create, manage and sign the bond/rider.\n\n**Note:** Applies to Electronic Surety Bonds\n\n### broker \n\n### carrier \n\n## surety entities \n\nIn the context of ESB tracking, Surety companies \\(SC\\) and surety bond producers \\(SBP\\) will be collectively referred as surety entities.\n\n**Note:** Applies to Electronic Surety Bonds\n\n## underwriter \n\nAn individual or employee of an insurance company who determines which risk to accept and the amount of such risks. In the context of ESB tracking, a surety entity can associate an underwriter user to a bond at the time of bond creation or at any time prior to bond cancellation.\n\n**Note:** Applies to Electronic Surety Bonds\n\n## underwriting company \n\nThe company associated with a surety company to underwrite the surety bond. In the context of ESB tracking, an underwriting company can be selected by the surety bond producer when they establish the business relationship.\n\n**Note:** Applies to Electronic Surety Bonds\n\n### writing paper",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\esb_GlossaryGroup_3.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\esb_GlossaryGroup_3.md",
      "headings": [
        "Electronic Surety Bond \\(ESB\\) Terms {#xd_ce249bf7f1de6244--290e2ab-19990ca3186--7ff1 .glossgroup}",
        "association {#id_tc2_4sl_wgc}",
        "attorney-in-fact {#id_us1_3tl_wgc}",
        "authority {#id_tfk_stl_wgc}",
        "bond amount {#id_vwd_d5l_wgc}",
        "bond limit {#id_glq_w5l_wgc}",
        "bond number {#id_ebc_twl_wgc}",
        "bond status {#id_wgk_dxl_wgc}",
        "broker of record {#id_awx_jyl_wgc}",
        "BOR {#glossAlt_kx3_vxl_wgc .glossAlt}",
        "BOR Change {#id_vw1_czl_wgc}",
        "cancelled bond {#id_kw3_lzl_wgc}",
        "converted bond {#id_ds2_2cm_wgc}",
        "deleted bond or rider {#id_eyx_rhm_wgc}",
        "delivered bond {#id_u5y_sjm_wgc}",
        "effective date {#id_zdv_1lm_wgc}",
        "executed bond {#id_mkp_3lm_wgc}",
        "execution authority {#id_uvk_2bn_wgc}",
        "incoming [broker of record](g_ESB_brokerOfRecord.md) {#id_rt2_wcn_wgc}",
        "New BOR {#glossAlt_dtj_kcn_wgc .glossAlt}",
        "licensee {#id_imv_qdn_wgc}",
        "Principal {#glossAlt_ry2_ndn_wgc .glossAlt}",
        "minimum bond amount {#id_dcb_r2n_wgc}",
        "National Association of Insurance Commissioners number {#id_jx1_mfn_wgc}",
        "NAIC number {#glossAlt_gln_gfn_wgc .glossAlt}",
        "notice of cancellation {#id_cnj_xfn_wgc}",
        "NPN number {#id_y53_ngn_wgc}",
        "obligee {#id_xrt_zgn_wgc}",
        "Regulator {#glossAlt_wzv_vgn_wgc .glossAlt}",
        "other trade name {#id_elh_4hn_wgc}",
        "Doing Business As \\(DBA\\) {#glossAlt_wzv_vgn_wgc .glossAlt}",
        "OTN {#glossAlt_mhl_3hn_wgc .glossAlt}",
        "outgoing BOR {#id_ntt_b3n_wgc}",
        "Current BOR {#glossAlt_mhl_3hn_wgc .glossAlt}",
        "perpetual bond {#id_dlm_m3n_wgc}",
        "principal {#id_gvg_qln_wgc}",
        "Obligor {#glossAlt_ys3_dln_wgc .glossAlt}",
        "reinstated bond {#id_ivn_bmn_wgc}",
        "representative {#id_jhb_lmn_wgc}",
        "rescind cancellation {#id_qfb_vmn_wgc}",
        "state agency {#id_b3k_dnn_wgc}",
        "state authorization {#id_j4m_knn_wgc}",
        "surety bond {#id_fqp_snn_wgc}",
        "surety bond producer {#id_svy_14n_wgc}",
        "agent {#glossAlt_hkz_xnn_wgc .glossAlt}",
        "surety bond rider {#id_ak1_k4n_wgc}",
        "surety company {#id_l31_54n_wgc}",
        "broker {#glossAlt_d3s_44n_wgc .glossAlt}",
        "carrier {#glossAlt_uh3_p4n_wgc .glossAlt}",
        "surety entities {#id_xvj_bpn_wgc}",
        "underwriter {#id_jps_4pn_wgc}",
        "underwriting company {#id_dqv_zpn_wgc}",
        "writing paper {#glossAlt_gbz_5pn_wgc .glossAlt}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/esb_GlossaryGroup_3.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/esb_bondRiderGlossgroup.md:chunk-0",
      "title": "Bond / Rider Status Definitions {#xd_ce249bf7f1de6244--290e2ab-19990ca3186--7fef .glossgroup}",
      "content": "# Bond / Rider Status Definitions \n\n**Parent topic:**Electronic Surety Bond \\(ESB\\) Glossary\n\n## `Requires Rep Signature` \n\nOnce all the bond fields are entered by the surety entities, it will remain in `Requires Rep Signature` status until the bond is signed by the surety entity.\n\n**Note:** Applies to Bonds and Riders\n\n## `Pending Principal Signature` \n\nOnce the surety entity attests to and signs the bond, it will be delivered to the licensee for signature and the bond status will be updated to `Pending Principal Signature`.\n\n**Note:** Applies to Bonds and Riders\n\n## `Return to Surety` \n\nOnce a surety bond has been signed by the surety entity, the licensee will have an opportunity to review and sign the bond. If there are errors in the bond information, the licensee will be able to return the bond to the surety entity for correction. The status of a bond returned to the surety will be updated to `Return to Surety`.\n\n**Note:** Applies to Bonds and Riders\n\n## `Executed` \n\nOnce attested to and signed by the licensee or designated Individual \\(MU2\\), the bond status will be updated to `Executed`.\n\n**Note:** Applies to Bonds and Riders\n\n## `Declined` \n\nIf a licensee does not want to sign a bond provided to them by a surety entity, the licensee will be able to decline the bond and provide a note to the surety entity regarding why the bond was declined. The bond status will be updated to `Declined`.\n\n**Note:** Applies to Bonds\n\n## `Notice of Cancellation` \n\nUpon submission of Notice of Cancellation, the bond status will be updated to `Notice of Cancellation`.\n\n**Note:** Applies to Bonds\n\n## `Cancelled` \n\nUpon the successful cancellation of the bond, the bond status will be updated to `Cancelled`.\n\n**Note:** Applies to Bonds",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\esb_bondRiderGlossgroup.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\esb_bondRiderGlossgroup.md",
      "headings": [
        "Bond / Rider Status Definitions {#xd_ce249bf7f1de6244--290e2ab-19990ca3186--7fef .glossgroup}",
        "`Requires Rep Signature` {#id_uzw_qqn_wgc}",
        "`Pending Principal Signature` {#id_idq_1rn_wgc}",
        "`Return to Surety` {#id_yyh_lrn_wgc}",
        "`Executed` {#id_svz_5rn_wgc}",
        "`Declined` {#id_yjp_dsn_wgc}",
        "`Notice of Cancellation` {#id_ppb_msn_wgc}",
        "`Cancelled` {#id_hth_tsn_wgc}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/esb_bondRiderGlossgroup.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/esb_bondRiderGlossgroup_2.md:chunk-0",
      "title": "Bond / Rider Status Definitions {#xd_ce249bf7f1de6244--290e2ab-19990ca3186--7fef .glossgroup}",
      "content": "# Bond / Rider Status Definitions \n\n**Parent topic:**Electronic Surety Bond \\(ESB\\) Glossary\n\n## `Requires Rep Signature` \n\nOnce all the bond fields are entered by the surety entities, it will remain in `Requires Rep Signature` status until the bond is signed by the surety entity.\n\n**Note:** Applies to Bonds and Riders\n\n## `Pending Principal Signature` \n\nOnce the surety entity attests to and signs the bond, it will be delivered to the licensee for signature and the bond status will be updated to `Pending Principal Signature`.\n\n**Note:** Applies to Bonds and Riders\n\n## `Return to Surety` \n\nOnce a surety bond has been signed by the surety entity, the licensee will have an opportunity to review and sign the bond. If there are errors in the bond information, the licensee will be able to return the bond to the surety entity for correction. The status of a bond returned to the surety will be updated to `Return to Surety`.\n\n**Note:** Applies to Bonds and Riders\n\n## `Executed` \n\nOnce attested to and signed by the licensee or designated Individual \\(MU2\\), the bond status will be updated to `Executed`.\n\n**Note:** Applies to Bonds and Riders\n\n## `Declined` \n\nIf a licensee does not want to sign a bond provided to them by a surety entity, the licensee will be able to decline the bond and provide a note to the surety entity regarding why the bond was declined. The bond status will be updated to `Declined`.\n\n**Note:** Applies to Bonds\n\n## `Notice of Cancellation` \n\nUpon submission of Notice of Cancellation, the bond status will be updated to `Notice of Cancellation`.\n\n**Note:** Applies to Bonds\n\n## `Cancelled` \n\nUpon the successful cancellation of the bond, the bond status will be updated to `Cancelled`.\n\n**Note:** Applies to Bonds",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\esb_bondRiderGlossgroup_2.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\esb_bondRiderGlossgroup_2.md",
      "headings": [
        "Bond / Rider Status Definitions {#xd_ce249bf7f1de6244--290e2ab-19990ca3186--7fef .glossgroup}",
        "`Requires Rep Signature` {#id_uzw_qqn_wgc}",
        "`Pending Principal Signature` {#id_idq_1rn_wgc}",
        "`Return to Surety` {#id_yyh_lrn_wgc}",
        "`Executed` {#id_svz_5rn_wgc}",
        "`Declined` {#id_yjp_dsn_wgc}",
        "`Notice of Cancellation` {#id_ppb_msn_wgc}",
        "`Cancelled` {#id_hth_tsn_wgc}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/esb_bondRiderGlossgroup_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/esb_bondRiderGlossgroup_3.md:chunk-0",
      "title": "Bond / Rider Status Definitions {#xd_ce249bf7f1de6244--290e2ab-19990ca3186--7fef .glossgroup}",
      "content": "# Bond / Rider Status Definitions \n\n**Parent topic:**Electronic Surety Bond \\(ESB\\) Glossary\n\n## `Requires Rep Signature` \n\nOnce all the bond fields are entered by the surety entities, it will remain in `Requires Rep Signature` status until the bond is signed by the surety entity.\n\n**Note:** Applies to Bonds and Riders\n\n## `Pending Principal Signature` \n\nOnce the surety entity attests to and signs the bond, it will be delivered to the licensee for signature and the bond status will be updated to `Pending Principal Signature`.\n\n**Note:** Applies to Bonds and Riders\n\n## `Return to Surety` \n\nOnce a surety bond has been signed by the surety entity, the licensee will have an opportunity to review and sign the bond. If there are errors in the bond information, the licensee will be able to return the bond to the surety entity for correction. The status of a bond returned to the surety will be updated to `Return to Surety`.\n\n**Note:** Applies to Bonds and Riders\n\n## `Executed` \n\nOnce attested to and signed by the licensee or designated Individual \\(MU2\\), the bond status will be updated to `Executed`.\n\n**Note:** Applies to Bonds and Riders\n\n## `Declined` \n\nIf a licensee does not want to sign a bond provided to them by a surety entity, the licensee will be able to decline the bond and provide a note to the surety entity regarding why the bond was declined. The bond status will be updated to `Declined`.\n\n**Note:** Applies to Bonds\n\n## `Notice of Cancellation` \n\nUpon submission of Notice of Cancellation, the bond status will be updated to `Notice of Cancellation`.\n\n**Note:** Applies to Bonds\n\n## `Cancelled` \n\nUpon the successful cancellation of the bond, the bond status will be updated to `Cancelled`.\n\n**Note:** Applies to Bonds",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\esb_bondRiderGlossgroup_3.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\esb_bondRiderGlossgroup_3.md",
      "headings": [
        "Bond / Rider Status Definitions {#xd_ce249bf7f1de6244--290e2ab-19990ca3186--7fef .glossgroup}",
        "`Requires Rep Signature` {#id_uzw_qqn_wgc}",
        "`Pending Principal Signature` {#id_idq_1rn_wgc}",
        "`Return to Surety` {#id_yyh_lrn_wgc}",
        "`Executed` {#id_svz_5rn_wgc}",
        "`Declined` {#id_yjp_dsn_wgc}",
        "`Notice of Cancellation` {#id_ppb_msn_wgc}",
        "`Cancelled` {#id_hth_tsn_wgc}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/esb_bondRiderGlossgroup_3.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/esb_glossaryChapter.md:chunk-0",
      "title": "Electronic Surety Bond \\(ESB\\) Glossary {#xd_ce249bf7f1de6244--290e2ab-19990ca3186--7ff0 .reference}",
      "content": "# Electronic Surety Bond \\(ESB\\) Glossary \n\nThe purpose of this document is to categorize, classify and describe the terminology that is referenced throughout the Electronic Surety Bond Tracking in NMLS.\n\n-   **Electronic Surety Bond \\(ESB\\) Terms**  \n\n-   **Bond / Rider Status Definitions**  \n\n-   **BOR Change Status Terms**",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\esb_glossaryChapter.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\esb_glossaryChapter.md",
      "headings": [
        "Electronic Surety Bond \\(ESB\\) Glossary {#xd_ce249bf7f1de6244--290e2ab-19990ca3186--7ff0 .reference}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/esb_glossaryChapter.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/esb_glossaryChapter_2.md:chunk-0",
      "title": "Electronic Surety Bond \\(ESB\\) Glossary {#xd_ce249bf7f1de6244--290e2ab-19990ca3186--7ff0 .reference}",
      "content": "# Electronic Surety Bond \\(ESB\\) Glossary \n\nThe purpose of this document is to categorize, classify and describe the terminology that is referenced throughout the Electronic Surety Bond Tracking in NMLS.\n\n-   **Electronic Surety Bond \\(ESB\\) Terms**  \n\n-   **Bond / Rider Status Definitions**  \n\n-   **BOR Change Status Terms**",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\esb_glossaryChapter_2.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\esb_glossaryChapter_2.md",
      "headings": [
        "Electronic Surety Bond \\(ESB\\) Glossary {#xd_ce249bf7f1de6244--290e2ab-19990ca3186--7ff0 .reference}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/esb_glossaryChapter_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/esb_glossaryChapter_3.md:chunk-0",
      "title": "Electronic Surety Bond \\(ESB\\) Glossary {#xd_ce249bf7f1de6244--290e2ab-19990ca3186--7ff0 .reference}",
      "content": "# Electronic Surety Bond \\(ESB\\) Glossary \n\nThe purpose of this document is to categorize, classify and describe the terminology that is referenced throughout the Electronic Surety Bond Tracking in NMLS.\n\n-   **Electronic Surety Bond \\(ESB\\) Terms**  \n\n-   **Bond / Rider Status Definitions**  \n\n-   **BOR Change Status Terms**",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\esb_glossaryChapter_3.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\esb_glossaryChapter_3.md",
      "headings": [
        "Electronic Surety Bond \\(ESB\\) Glossary {#xd_ce249bf7f1de6244--290e2ab-19990ca3186--7ff0 .reference}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/esb_glossaryChapter_3.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/g_ESB-asociation.md:chunk-0",
      "title": "association {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7ffd .glossentry}",
      "content": "# association \n\nIn the context of ESB tracking, it is the relationship between surety company and surety bond producer. The surety company will grant the surety bond producer the ability to create and manage the bond/rider on behalf of surety company subject to identified state authorizations and bond limits. Only representatives designated in the Association are be able to sign bonds/riders on behalf of the surety company.\n\n**Note:** Applies to Electronic Surety Bonds",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\g_ESB-asociation.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\g_ESB-asociation.md",
      "headings": [
        "association {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7ffd .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/g_ESB-asociation.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/g_ESB_BORChange_declined.md:chunk-0",
      "title": "`Declined` {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7fcd .glossentry}",
      "content": "# `Declined` \n\nLicensee has declined the BOR change.\n\n**Note:** Applies to Electronic Surety Bond broker of record",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\g_ESB_BORChange_declined.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\g_ESB_BORChange_declined.md",
      "headings": [
        "`Declined` {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7fcd .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/g_ESB_BORChange_declined.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/g_ESB_BORchange_confirmed.md:chunk-0",
      "title": "`Confirmed` {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7fce .glossentry}",
      "content": "# `Confirmed` \n\nLicensee has confirmed the BOR change.\n\n**Note:** Applies to Electronic Surety Bond broker of record",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\g_ESB_BORchange_confirmed.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\g_ESB_BORchange_confirmed.md",
      "headings": [
        "`Confirmed` {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7fce .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/g_ESB_BORchange_confirmed.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/g_ESB_BORchange_pending.md:chunk-0",
      "title": "`Pending` {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7fcf .glossentry}",
      "content": "# `Pending` \n\nSurety company has submitted the BOR change on behalf of the Licensee.\n\n**Note:** Applies to Electronic Surety Bond broker of record",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\g_ESB_BORchange_pending.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\g_ESB_BORchange_pending.md",
      "headings": [
        "`Pending` {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7fcf .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/g_ESB_BORchange_pending.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/g_ESB_NPN_number.md:chunk-0",
      "title": "NPN number {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7fe8 .glossentry}",
      "content": "# NPN number \n\nUnique identifier assigned by the National Association of Insurance Commissioners \\(NAIC\\) through the licensing application process or the NAIC reporting systems to individuals and business entities \\(including, but not limited to producers, adjusters, and navigators\\) engaged in insurance related activities regulated by a state insurance department. The NPN is used to track those individuals and business entities on a national basis. In the context of ESB tracking, this unique identifier will be used throughout NMLS to identify a Representative of a Surety Bond Producer.\n\n**Note:** Applies to Electronic Surety Bonds",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\g_ESB_NPN_number.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\g_ESB_NPN_number.md",
      "headings": [
        "NPN number {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7fe8 .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/g_ESB_NPN_number.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/g_ESB_Status_cancelled.md:chunk-0",
      "title": "`Cancelled` {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7fd0 .glossentry}",
      "content": "# `Cancelled` \n\nUpon the successful cancellation of the bond, the bond status will be updated to `Cancelled`.\n\n**Note:** Applies to Bonds",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\g_ESB_Status_cancelled.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\g_ESB_Status_cancelled.md",
      "headings": [
        "`Cancelled` {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7fd0 .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/g_ESB_Status_cancelled.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/g_ESB_Status_declined.md:chunk-0",
      "title": "`Declined` {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7fd2 .glossentry}",
      "content": "# `Declined` \n\nIf a licensee does not want to sign a bond provided to them by a surety entity, the licensee will be able to decline the bond and provide a note to the surety entity regarding why the bond was declined. The bond status will be updated to `Declined`.\n\n**Note:** Applies to Bonds",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\g_ESB_Status_declined.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\g_ESB_Status_declined.md",
      "headings": [
        "`Declined` {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7fd2 .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/g_ESB_Status_declined.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/g_ESB_Status_executed.md:chunk-0",
      "title": "`Executed` {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7fd3 .glossentry}",
      "content": "# `Executed` \n\nOnce attested to and signed by the licensee or designated Individual \\(MU2\\), the bond status will be updated to `Executed`.\n\n**Note:** Applies to Bonds and Riders",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\g_ESB_Status_executed.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\g_ESB_Status_executed.md",
      "headings": [
        "`Executed` {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7fd3 .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/g_ESB_Status_executed.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/g_ESB_Status_noticeOfCancellation.md:chunk-0",
      "title": "`Notice of Cancellation` {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7fd1 .glossentry}",
      "content": "# `Notice of Cancellation` \n\nUpon submission of Notice of Cancellation, the bond status will be updated to `Notice of Cancellation`.\n\n**Note:** Applies to Bonds",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\g_ESB_Status_noticeOfCancellation.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\g_ESB_Status_noticeOfCancellation.md",
      "headings": [
        "`Notice of Cancellation` {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7fd1 .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/g_ESB_Status_noticeOfCancellation.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/g_ESB_Status_requiresRepSig.md:chunk-0",
      "title": "`Requires Rep Signature` {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7fd6 .glossentry}",
      "content": "# `Requires Rep Signature` \n\nOnce all the bond fields are entered by the surety entities, it will remain in `Requires Rep Signature` status until the bond is signed by the surety entity.\n\n**Note:** Applies to Bonds and Riders",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\g_ESB_Status_requiresRepSig.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\g_ESB_Status_requiresRepSig.md",
      "headings": [
        "`Requires Rep Signature` {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7fd6 .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/g_ESB_Status_requiresRepSig.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/g_ESB_Status_returnedToSurety.md:chunk-0",
      "title": "`Return to Surety` {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7fd4 .glossentry}",
      "content": "# `Return to Surety` \n\nOnce a surety bond has been signed by the surety entity, the licensee will have an opportunity to review and sign the bond. If there are errors in the bond information, the licensee will be able to return the bond to the surety entity for correction. The status of a bond returned to the surety will be updated to `Return to Surety`.\n\n**Note:** Applies to Bonds and Riders",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\g_ESB_Status_returnedToSurety.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\g_ESB_Status_returnedToSurety.md",
      "headings": [
        "`Return to Surety` {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7fd4 .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/g_ESB_Status_returnedToSurety.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/g_ESB_attorneyInFact.md:chunk-0",
      "title": "attorney-in-fact {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7ffc .glossentry}",
      "content": "# attorney-in-fact \n\nAn entity that holds a Power of Attorney, granted by a surety company, empowering the execution of a surety bond. In the context of ESB tracking, the attorney-in-fact is the representative of surety bond producer with execution authority.\n\n**Note:** Applies to Electronic Surety Bonds",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\g_ESB_attorneyInFact.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\g_ESB_attorneyInFact.md",
      "headings": [
        "attorney-in-fact {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7ffc .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/g_ESB_attorneyInFact.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/g_ESB_authority.md:chunk-0",
      "title": "authority {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7ffb .glossentry}",
      "content": "# authority \n\nIn the context of ESB tracking, authority provides a surety entity with access to the licensee for the purpose of managing bonds on behalf of the licensee.\n\n**Note:** Applies to Electronic Surety Bonds",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\g_ESB_authority.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\g_ESB_authority.md",
      "headings": [
        "authority {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7ffb .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/g_ESB_authority.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/g_ESB_bondAmount.md:chunk-0",
      "title": "bond amount {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7ffa .glossentry}",
      "content": "# bond amount \n\nAlso called penal amount or penal sum, it is the amount of liability under a bond.\n\n**Note:** Applies to Electronic Surety Bonds",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\g_ESB_bondAmount.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\g_ESB_bondAmount.md",
      "headings": [
        "bond amount {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7ffa .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/g_ESB_bondAmount.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/g_ESB_bondLlimit.md:chunk-0",
      "title": "bond limit {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7ff9 .glossentry}",
      "content": "# bond limit \n\nThe maximum bond amount that a surety entity is allowed to enter when creating or updating the bond.\n\n**Note:** Applies to Electronic Surety Bonds",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\g_ESB_bondLlimit.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\g_ESB_bondLlimit.md",
      "headings": [
        "bond limit {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7ff9 .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/g_ESB_bondLlimit.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/g_ESB_bondNumber.md:chunk-0",
      "title": "bond number {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7ff8 .glossentry}",
      "content": "# bond number \n\nAn alphanumeric identifier that is issued by a surety entity and associated with a bond. In the context of ESB tracking, a bond number is required when an existing bond is converted or a new bond is created in NMLS.\n\n**Note:** Applies to Electronic Surety Bonds",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\g_ESB_bondNumber.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\g_ESB_bondNumber.md",
      "headings": [
        "bond number {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7ff8 .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/g_ESB_bondNumber.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/g_ESB_bondStatus.md:chunk-0",
      "title": "bond status {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7ff7 .glossentry}",
      "content": "# bond status \n\nIn the context of ESB tracking, a status associated with a bond in NMLS ESB.\n\n**Note:** Applies to Electronic Surety Bonds",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\g_ESB_bondStatus.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\g_ESB_bondStatus.md",
      "headings": [
        "bond status {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7ff7 .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/g_ESB_bondStatus.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/g_ESB_brokerOfRecord.md:chunk-0",
      "title": "broker of record {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7ff6 .glossentry}",
      "content": "# broker of record \n\nAn entity that has a contractual agreement with a principal in the management of surety bond/rider. In the context of ESB tracking, a BOR with execution authority will be able to sign the bond/rider, a BOR without execution authority will not be able sign the bond / rider and in this case, the bond / rider will need to be signed by the associated surety company.\n\nBroker of Record \\(BOR\\)\n\n**Note:** Applies to Electronic Surety Bonds\n\n## BOR",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\g_ESB_brokerOfRecord.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\g_ESB_brokerOfRecord.md",
      "headings": [
        "broker of record {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7ff6 .glossentry}",
        "BOR {#glossAlt_kx3_vxl_wgc .glossAlt}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/g_ESB_brokerOfRecord.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/g_ESB_brokerOfRecordChange.md:chunk-0",
      "title": "BOR Change {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7ff5 .glossentry}",
      "content": "# BOR Change \n\nThe process for a surety company to replace an existing \\(outgoing\\) broker of record with a new \\(incoming\\) BOR. In the context of ESB tracking, a BOR change is initiated by the surety company and must be confirmed by the licensee.\n\n**Note:** Applies to Electronic Surety Bonds",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\g_ESB_brokerOfRecordChange.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\g_ESB_brokerOfRecordChange.md",
      "headings": [
        "BOR Change {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7ff5 .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/g_ESB_brokerOfRecordChange.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/g_ESB_cancelledBond.md:chunk-0",
      "title": "cancelled bond {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7ff4 .glossentry}",
      "content": "# cancelled bond \n\nA bond that has been specifically cancelled by the issuing surety company/surety bond producer and is then considered to be \"inactive\" in NMLS, but sometimes continues to hold the obligations set forth in the Bond Terms.\n\n**Note:** Applies to Electronic Surety Bonds",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\g_ESB_cancelledBond.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\g_ESB_cancelledBond.md",
      "headings": [
        "cancelled bond {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7ff4 .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/g_ESB_cancelledBond.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/g_ESB_convertedBond.md:chunk-0",
      "title": "converted bond {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7ff3 .glossentry}",
      "content": "# converted bond \n\nThe process for surety entity to convert a paper bond that has previously been delivered to a regulator outside NMLS to an electronic bond, the surety entity should identify the bond as a converted bond. The effective date for a converted bond will default to the surety signatory date.\n\n**Note:** Applies to Electronic Surety Bonds",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\g_ESB_convertedBond.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\g_ESB_convertedBond.md",
      "headings": [
        "converted bond {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7ff3 .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/g_ESB_convertedBond.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/g_ESB_deletedBondOrRider.md:chunk-0",
      "title": "deleted bond or rider {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7ff2 .glossentry}",
      "content": "# deleted bond or rider \n\nIn the context of ESB tracking, a surety entity will be able to delete a bond or rider in a `Requires Rep Signature` or `Returned to Surety` status. Once deleted, the bond or rider will no longer be visible to NMLS users. However, a record will be retained in the database.\n\n**Note:** Applies to Electronic Surety Bonds",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\g_ESB_deletedBondOrRider.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\g_ESB_deletedBondOrRider.md",
      "headings": [
        "deleted bond or rider {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7ff2 .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/g_ESB_deletedBondOrRider.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/g_ESB_deliveredBond.md:chunk-0",
      "title": "delivered bond {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7ff1 .glossentry}",
      "content": "# delivered bond \n\nOnce the bond is signed by the surety and licensee, it is ready to be delivered. If the licensee has an existing license, the bond will be delivered immediately to the regulator. If the licensee has a pending license application, the bond will be delivered to the regulator at the time the license application is submitted.\n\n**Note:** Applies to Electronic Surety Bonds",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\g_ESB_deliveredBond.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\g_ESB_deliveredBond.md",
      "headings": [
        "delivered bond {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7ff1 .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/g_ESB_deliveredBond.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/g_ESB_effectiveDate.md:chunk-0",
      "title": "effective date {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7ff0 .glossentry}",
      "content": "# effective date \n\nAlso called bond effective date, the date on which bond coverage becomes effective. In the context of ESB tracking, the effective date for a converted bond is populated with the surety signatory date. The Effective Date for a new bond can be provided by the surety.\n\n**Note:** Applies to Electronic Surety Bonds\n\n**Note:** alternative term for bond effective date",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\g_ESB_effectiveDate.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\g_ESB_effectiveDate.md",
      "headings": [
        "effective date {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7ff0 .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/g_ESB_effectiveDate.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/g_ESB_executedBond.md:chunk-0",
      "title": "executed bond {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7fef .glossentry}",
      "content": "# executed bond \n\nA bond that has been prepared and signed by a surety entity and subsequently reviewed and signed by the Licensee.\n\n**Note:** Applies to Electronic Surety Bonds",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\g_ESB_executedBond.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\g_ESB_executedBond.md",
      "headings": [
        "executed bond {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7fef .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/g_ESB_executedBond.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/g_ESB_executionAuthority.md:chunk-0",
      "title": "execution authority {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7fee .glossentry}",
      "content": "# execution authority \n\nIn the context of ESB tracking, the power and authority granted by surety company, through power of attorney, to surety bond producer, who will be able to take certain actions or to bind the surety company to specified obligations\n\n**Note:** Applies to Electronic Surety Bonds",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\g_ESB_executionAuthority.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\g_ESB_executionAuthority.md",
      "headings": [
        "execution authority {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7fee .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/g_ESB_executionAuthority.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/g_ESB_incomingBOR.md:chunk-0",
      "title": "incoming [broker of record](g_ESB_brokerOfRecord.md) {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7fed .glossentry}",
      "content": "# incoming broker of record \n\nWhen a licensee decides to end a business arrangement with one surety bond producer and begins working with a new surety bond producer, a new broker of record relationship is established between the licensee/principal and the new surety bond producer. In the context of ESB tracking, confirmation of the broker of record change will be allowed only when all pending surety bonds and riders have been delivered or deleted.\n\n**Note:** Applies to Electronic Surety Bonds\n\n## New BOR",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\g_ESB_incomingBOR.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\g_ESB_incomingBOR.md",
      "headings": [
        "incoming [broker of record](g_ESB_brokerOfRecord.md) {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7fed .glossentry}",
        "New BOR {#glossAlt_dtj_kcn_wgc .glossAlt}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/g_ESB_incomingBOR.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/g_ESB_licensee.md:chunk-0",
      "title": "licensee {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7fec .glossentry}",
      "content": "# licensee \n\nA person, company, etc., to whom a license is granted or issued by state agencies, in order to conduct related business in the jurisdiction. With respect to surety bonds, the Licensee is the Principal on the bond.\n\n**Note:** Applies to Electronic Surety Bonds\n\n## Principal \n\nprincipal",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\g_ESB_licensee.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\g_ESB_licensee.md",
      "headings": [
        "licensee {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7fec .glossentry}",
        "Principal {#glossAlt_ry2_ndn_wgc .glossAlt}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/g_ESB_licensee.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/g_ESB_minBondAmount.md:chunk-0",
      "title": "minimum bond amount {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7feb .glossentry}",
      "content": "# minimum bond amount \n\nThe minimum bond amount that is required by state agency for a surety bond associated with a specific license type.\n\n**Note:** Applies to Electronic Surety Bonds",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\g_ESB_minBondAmount.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\g_ESB_minBondAmount.md",
      "headings": [
        "minimum bond amount {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7feb .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/g_ESB_minBondAmount.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/g_ESB_naicNumber.md:chunk-0",
      "title": "National Association of Insurance Commissioners number {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7fea .glossentry}",
      "content": "# National Association of Insurance Commissioners number \n\nUnique identifier for a surety company assigned by the National Association of Insurance Commissioners. In the context of ESB tracking, NAIC number will be used throughout NMLS to identify a surety company.\n\nNational Association of Insurance Commissioners \\(NAIC\\) number\n\n**Note:** Applies to Electronic Surety Bonds\n\n## NAIC number",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\g_ESB_naicNumber.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\g_ESB_naicNumber.md",
      "headings": [
        "National Association of Insurance Commissioners number {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7fea .glossentry}",
        "NAIC number {#glossAlt_gln_gfn_wgc .glossAlt}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/g_ESB_naicNumber.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/g_ESB_noticeOfCancellation.md:chunk-0",
      "title": "notice of cancellation {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7fe9 .glossentry}",
      "content": "# notice of cancellation \n\nSubmission by a surety company indicating a bond will be cancelled on the effective date provided. If cancelled prior to delivery to the regulator, cancellation is immediate. Once delivered to the regulator, if permitted by the state, notice of cancellation must comply with state advance notice requirements. Upon submission, the bond status will be updated to `Notice of Cancellation`.\n\n**Note:** Applies to Electronic Surety Bonds",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\g_ESB_noticeOfCancellation.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\g_ESB_noticeOfCancellation.md",
      "headings": [
        "notice of cancellation {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7fe9 .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/g_ESB_noticeOfCancellation.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/g_ESB_obligee.md:chunk-0",
      "title": "obligee {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7fe7 .glossentry}",
      "content": "# obligee \n\nThe entity that is protected against loss by a surety bond. In the context of ESB tracking, the obligee is the state agency.\n\n**Note:** Applies to Electronic Surety Bonds\n\n## Regulator",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\g_ESB_obligee.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\g_ESB_obligee.md",
      "headings": [
        "obligee {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7fe7 .glossentry}",
        "Regulator {#glossAlt_wzv_vgn_wgc .glossAlt}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/g_ESB_obligee.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/g_ESB_otherTradeName.md:chunk-0",
      "title": "other trade name {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7fe6 .glossentry}",
      "content": "# other trade name \n\nOther trade name is the business name under which the license conducts its business.\n\nOther Trade Name \\(OTN\\)\n\n**Note:** Applies to Electronic Surety Bonds\n\n## Doing Business As \\(DBA\\) \n\n## OTN",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\g_ESB_otherTradeName.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\g_ESB_otherTradeName.md",
      "headings": [
        "other trade name {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7fe6 .glossentry}",
        "Doing Business As \\(DBA\\) {#glossAlt_wzv_vgn_wgc .glossAlt}",
        "OTN {#glossAlt_mhl_3hn_wgc .glossAlt}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/g_ESB_otherTradeName.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/g_ESB_outgoingBOR.md:chunk-0",
      "title": "outgoing BOR {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7fe5 .glossentry}",
      "content": "# outgoing BOR \n\nThe surety entity that currently has an existing broker of record relationship with the licensee/principal, but the licensee/principal has decided to terminate the current business relationship.\n\n**Note:** Applies to Electronic Surety Bonds\n\n## Current BOR \n\nbroker of record",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\g_ESB_outgoingBOR.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\g_ESB_outgoingBOR.md",
      "headings": [
        "outgoing BOR {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7fe5 .glossentry}",
        "Current BOR {#glossAlt_mhl_3hn_wgc .glossAlt}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/g_ESB_outgoingBOR.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/g_ESB_perpetualBond.md:chunk-0",
      "title": "perpetual bond {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7fe4 .glossentry}",
      "content": "# perpetual bond \n\nA type of bond that doesn’t have an expiration date.\n\n**Note:** Applies to Electronic Surety Bonds",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\g_ESB_perpetualBond.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\g_ESB_perpetualBond.md",
      "headings": [
        "perpetual bond {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7fe4 .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/g_ESB_perpetualBond.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/g_ESB_principal.md:chunk-0",
      "title": "principal {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7fe3 .glossentry}",
      "content": "# principal \n\nIn suretyship, the party whose actions, honesty or responsibility is to be guaranteed. In the context of ESB tracking, the principal is the licensee.\n\n**Note:** Applies to Electronic Surety Bonds\n\n## Obligor \n\nlicensee",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\g_ESB_principal.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\g_ESB_principal.md",
      "headings": [
        "principal {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7fe3 .glossentry}",
        "Obligor {#glossAlt_ys3_dln_wgc .glossAlt}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/g_ESB_principal.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/g_ESB_reinstatedBond.md:chunk-0",
      "title": "reinstated bond {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7fe2 .glossentry}",
      "content": "# reinstated bond \n\nIn the context of ESB tracking, a surety company will be able to reinstate a cancelled bond if the Cancellation Effective Date is in the past. The bond will be set back to an `Executed` status when the reinstatement is submitted as of the Cancellation Effective Date.\n\n**Note:** Applies to Electronic Surety Bonds",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\g_ESB_reinstatedBond.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\g_ESB_reinstatedBond.md",
      "headings": [
        "reinstated bond {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7fe2 .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/g_ESB_reinstatedBond.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/g_ESB_representative.md:chunk-0",
      "title": "representative {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7fe1 .glossentry}",
      "content": "# representative \n\nIn the context of ESB tracking, this is a person associated to a surety company or a surety bond producer, who can manage bonds on behalf of the surety company or surety bond producer. The Representative's bond management ability is limited by the roles assigned to that Representative, state authorizations indicated and bond limits indicated.\n\n**Note:** Applies to Electronic Surety Bonds",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\g_ESB_representative.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\g_ESB_representative.md",
      "headings": [
        "representative {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7fe1 .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/g_ESB_representative.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/g_ESB_rescindCancellation.md:chunk-0",
      "title": "rescind cancellation {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7fe0 .glossentry}",
      "content": "# rescind cancellation \n\nIn the context of ESB tracking, a surety company will be able to rescind the `Notice of Cancellation` if the Cancellation Effective Date has not elapsed. The bond will be set back to an `Executed` status when the cancellation is rescinded.\n\n**Note:** Applies to Electronic Surety Bonds",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\g_ESB_rescindCancellation.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\g_ESB_rescindCancellation.md",
      "headings": [
        "rescind cancellation {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7fe0 .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/g_ESB_rescindCancellation.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/g_ESB_stateAgency.md:chunk-0",
      "title": "state agency {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7fdf .glossentry}",
      "content": "# state agency \n\nState regulators that supervise a particular industry or business activity.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\g_ESB_stateAgency.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\g_ESB_stateAgency.md",
      "headings": [
        "state agency {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7fdf .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/g_ESB_stateAgency.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/g_ESB_stateAuthorization.md:chunk-0",
      "title": "state authorization {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7fde .glossentry}",
      "content": "# state authorization \n\nThe authorization granted by state agency for the surety entities to engage in suretyship in that jurisdiction.\n\n**Note:** Applies to Electronic Surety Bonds",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\g_ESB_stateAuthorization.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\g_ESB_stateAuthorization.md",
      "headings": [
        "state authorization {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7fde .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/g_ESB_stateAuthorization.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/g_ESB_suretyBond.md:chunk-0",
      "title": "surety bond {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7fdd .glossentry}",
      "content": "# surety bond \n\nA three party agreement whereby one party \\(the surety\\) is bound with the entity bonded \\(the principal\\) to a third party \\(the obligee\\). The bond guarantees the surety's performance or monetary compensation to the obligee should there be a failure by the principal to perform specified acts within a stated time period. In the context of ESB tracking, the surety bond is electronically managed in NMLS.\n\n**Note:** Applies to Electronic Surety Bonds",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\g_ESB_suretyBond.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\g_ESB_suretyBond.md",
      "headings": [
        "surety bond {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7fdd .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/g_ESB_suretyBond.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/g_ESB_suretyBondProducer.md:chunk-0",
      "title": "surety bond producer {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7fdc .glossentry}",
      "content": "# surety bond producer \n\nAn entity who handles surety bonds, producing business for the surety company. In the context of ESB tracking, a surety bond producer may have or may not have execution authority to sign the bond / rider.\n\n**Note:** Applies to Electronic Surety Bonds\n\n## agent",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\g_ESB_suretyBondProducer.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\g_ESB_suretyBondProducer.md",
      "headings": [
        "surety bond producer {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7fdc .glossentry}",
        "agent {#glossAlt_hkz_xnn_wgc .glossAlt}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/g_ESB_suretyBondProducer.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/g_ESB_suretyBondRider.md:chunk-0",
      "title": "surety bond rider {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7fdb .glossentry}",
      "content": "# surety bond rider \n\nAn amendment to a previously-issued \\(and still active\\) surety bond. In the context of ESB tracking, Surety entities will be able to create a rider to update bond information if the bond is in an `Executed` status and has been delivered to the regulator. Only one rider can be created at a time. The rider must be signed by the licensee before another rider can be created.\n\n**Note:** Applies to Electronic Surety Bonds",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\g_ESB_suretyBondRider.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\g_ESB_suretyBondRider.md",
      "headings": [
        "surety bond rider {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7fdb .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/g_ESB_suretyBondRider.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/g_ESB_suretyCompany.md:chunk-0",
      "title": "surety company {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7fda .glossentry}",
      "content": "# surety company \n\nA corporation collaterally bound for the payment of money or the performance of an act or duty by the principal. In the context of ESB tracking, a surety company can create, manage and sign the bond/rider.\n\n**Note:** Applies to Electronic Surety Bonds\n\n## broker \n\n## carrier",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\g_ESB_suretyCompany.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\g_ESB_suretyCompany.md",
      "headings": [
        "surety company {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7fda .glossentry}",
        "broker {#glossAlt_d3s_44n_wgc .glossAlt}",
        "carrier {#glossAlt_uh3_p4n_wgc .glossAlt}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/g_ESB_suretyCompany.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/g_ESB_suretyEntities.md:chunk-0",
      "title": "surety entities {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7fd9 .glossentry}",
      "content": "# surety entities \n\nIn the context of ESB tracking, Surety companies \\(SC\\) and surety bond producers \\(SBP\\) will be collectively referred as surety entities.\n\n**Note:** Applies to Electronic Surety Bonds",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\g_ESB_suretyEntities.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\g_ESB_suretyEntities.md",
      "headings": [
        "surety entities {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7fd9 .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/g_ESB_suretyEntities.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/g_ESB_underwriter.md:chunk-0",
      "title": "underwriter {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7fd8 .glossentry}",
      "content": "# underwriter \n\nAn individual or employee of an insurance company who determines which risk to accept and the amount of such risks. In the context of ESB tracking, a surety entity can associate an underwriter user to a bond at the time of bond creation or at any time prior to bond cancellation.\n\n**Note:** Applies to Electronic Surety Bonds",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\g_ESB_underwriter.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\g_ESB_underwriter.md",
      "headings": [
        "underwriter {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7fd8 .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/g_ESB_underwriter.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/g_ESB_underwritingCompany.md:chunk-0",
      "title": "underwriting company {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7fd7 .glossentry}",
      "content": "# underwriting company \n\nThe company associated with a surety company to underwrite the surety bond. In the context of ESB tracking, an underwriting company can be selected by the surety bond producer when they establish the business relationship.\n\n**Note:** Applies to Electronic Surety Bonds\n\n## writing paper",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\g_ESB_underwritingCompany.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\ESB_glossaryTopics\\g_ESB_underwritingCompany.md",
      "headings": [
        "underwriting company {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7fd7 .glossentry}",
        "writing paper {#glossAlt_gbz_5pn_wgc .glossAlt}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/ESB_glossaryTopics/g_ESB_underwritingCompany.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/MU4R_glossaryTopics/g_regFedMLO_MU4R_charged.md:chunk-0",
      "title": "charged {#g_regFedMLO_MU4R_charged .glossentry}",
      "content": "# charged \n\nBeing accused of a crime in a formal complaint, information, or indictment \\(or equivalent formal charge\\).",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\MU4R_glossaryTopics\\g_regFedMLO_MU4R_charged.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\MU4R_glossaryTopics\\g_regFedMLO_MU4R_charged.md",
      "headings": [
        "charged {#g_regFedMLO_MU4R_charged .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/MU4R_glossaryTopics/g_regFedMLO_MU4R_charged.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/MU4R_glossaryTopics/g_regFedMLO_MU4R_control.md:chunk-0",
      "title": "control {#g_regFedMLO_MU4R_control .glossentry}",
      "content": "# control \n\nThe power, directly or indirectly, to direct the management or policies of a institution, whether through ownership of securities, by contract, or otherwise. Any person that \\(i\\) is a general partner or executive officer, including Chief Executive, Chief Financial Officer, Chief Operations Officer, Chief Legal Officer, Chief Credit Officer, Chief Compliance Officer, Director, and individuals occupying similar positions or performing similar functions; \\(ii\\) directly or indirectly has the right to vote 10% or more of a class of a voting security or has the power to sell or direct the sale of 10% or more of a class of voting securities; or \\(iii\\) in the case of a partnership, has the right to receive upon dissolution, or has contributed, 10% or more of the capital, is presumed to control that institution.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\MU4R_glossaryTopics\\g_regFedMLO_MU4R_control.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\MU4R_glossaryTopics\\g_regFedMLO_MU4R_control.md",
      "headings": [
        "control {#g_regFedMLO_MU4R_control .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/MU4R_glossaryTopics/g_regFedMLO_MU4R_control.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/MU4R_glossaryTopics/g_regFedMLO_MU4R_enjoined.md:chunk-0",
      "title": "enjoined {#g_regFedMLO_MU4R_enjoined .glossentry}",
      "content": "# enjoined \n\nIncludes being subject to a mandatory injunction, prohibitory injunction, preliminary injunction, or a temporary restraining order.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\MU4R_glossaryTopics\\g_regFedMLO_MU4R_enjoined.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\MU4R_glossaryTopics\\g_regFedMLO_MU4R_enjoined.md",
      "headings": [
        "enjoined {#g_regFedMLO_MU4R_enjoined .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/MU4R_glossaryTopics/g_regFedMLO_MU4R_enjoined.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/MU4R_glossaryTopics/g_regFedMLO_MU4R_felony.md:chunk-0",
      "title": "felony {#g_regFedMLO_MU4R_felony .glossentry}",
      "content": "# felony \n\nFor jurisdictions that do not differentiate between a felony and a misdemeanor, a felony is an offense punishable by a sentence of at least one year imprisonment and/or a fine of at least $1,000. The term also includes a general court martial.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\MU4R_glossaryTopics\\g_regFedMLO_MU4R_felony.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\MU4R_glossaryTopics\\g_regFedMLO_MU4R_felony.md",
      "headings": [
        "felony {#g_regFedMLO_MU4R_felony .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/MU4R_glossaryTopics/g_regFedMLO_MU4R_felony.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/MU4R_glossaryTopics/g_regFedMLO_MU4R_finsvcs.md:chunk-0",
      "title": "financial services or financial services related {#g_regFedMLO_MU4R_finsvcs .glossentry}",
      "content": "# financial services or financial services related \n\nPertaining to securities, commodities, banking, insurance, consumer lending, or real estate \\(including, but not limited to; acting as or being associated with a bank or savings association, credit union, Farm Credit System institution, mortgage lender, mortgage broker, real estate salesperson or agent, appraiser, closing agent, title institution, or escrow agent\\).",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\MU4R_glossaryTopics\\g_regFedMLO_MU4R_finsvcs.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\MU4R_glossaryTopics\\g_regFedMLO_MU4R_finsvcs.md",
      "headings": [
        "financial services or financial services related {#g_regFedMLO_MU4R_finsvcs .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/MU4R_glossaryTopics/g_regFedMLO_MU4R_finsvcs.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/MU4R_glossaryTopics/g_regFedMLO_MU4R_forfinregauth.md:chunk-0",
      "title": "foreign financial regulatory authority {#g_regFedMLO_MU4R_forfinregauth .glossentry}",
      "content": "# foreign financial regulatory authority \n\nIncludes \\(1\\) a financial services authority of a foreign country; \\(2\\) other governmental body empowered by a foreign government to administer or enforce its laws relating to the regulation of financial services or financial services-related activities; and \\(3\\) a foreign membership organization, a function of which is to regulate the participation of its members in financial services activities listed above.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\MU4R_glossaryTopics\\g_regFedMLO_MU4R_forfinregauth.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\MU4R_glossaryTopics\\g_regFedMLO_MU4R_forfinregauth.md",
      "headings": [
        "foreign financial regulatory authority {#g_regFedMLO_MU4R_forfinregauth .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/MU4R_glossaryTopics/g_regFedMLO_MU4R_forfinregauth.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/MU4R_glossaryTopics/g_regFedMLO_MU4R_found.md:chunk-0",
      "title": "found {#g_regFedMLO_MU4R_found .glossentry}",
      "content": "# found \n\nIncludes adverse final actions, including consent decrees in which the respondent has neither admitted nor denied the findings, but does not include agreements, deficiency letters, examination reports, memoranda of understanding, letters of caution, admonishments, and similar informal resolutions of matters.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\MU4R_glossaryTopics\\g_regFedMLO_MU4R_found.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\MU4R_glossaryTopics\\g_regFedMLO_MU4R_found.md",
      "headings": [
        "found {#g_regFedMLO_MU4R_found .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/MU4R_glossaryTopics/g_regFedMLO_MU4R_found.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/MU4R_glossaryTopics/g_regFedMLO_MU4R_involved.md:chunk-0",
      "title": "involved {#g_regFedMLO_MU4R_involved .glossentry}",
      "content": "# involved \n\nDoing an act or omission or aiding, abetting, counseling, commanding, inducing, conspiring with or failing reasonably to supervise another in doing an act or omission.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\MU4R_glossaryTopics\\g_regFedMLO_MU4R_involved.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\MU4R_glossaryTopics\\g_regFedMLO_MU4R_involved.md",
      "headings": [
        "involved {#g_regFedMLO_MU4R_involved .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/MU4R_glossaryTopics/g_regFedMLO_MU4R_involved.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/MU4R_glossaryTopics/g_regFedMLO_MU4R_misdemeanor.md:chunk-0",
      "title": "misdemeanor {#g_regFedMLO_MU4R_misdemeanor .glossentry}",
      "content": "# misdemeanor \n\nFor jurisdictions that do not differentiate between a *felony* and a *misdemeanor*, a misdemeanor is an offense punishable by a sentence of less than one year imprisonment and/or a fine of less than $1,000. The term also includes a special court martial.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\MU4R_glossaryTopics\\g_regFedMLO_MU4R_misdemeanor.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\MU4R_glossaryTopics\\g_regFedMLO_MU4R_misdemeanor.md",
      "headings": [
        "misdemeanor {#g_regFedMLO_MU4R_misdemeanor .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/MU4R_glossaryTopics/g_regFedMLO_MU4R_misdemeanor.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/MU4R_glossaryTopics/g_regFedMLO_MU4R_order.md:chunk-0",
      "title": "order {#g_regFedMLO_MU4R_order .glossentry}",
      "content": "# order \n\nA written directive issued pursuant to statutory authority and procedures, including orders of denial, suspension, or revocation; does not include special stipulations, undertakings or agreements relating to payments, limitations on activity or other restrictions unless they are included in an *order*.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\MU4R_glossaryTopics\\g_regFedMLO_MU4R_order.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\MU4R_glossaryTopics\\g_regFedMLO_MU4R_order.md",
      "headings": [
        "order {#g_regFedMLO_MU4R_order .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/MU4R_glossaryTopics/g_regFedMLO_MU4R_order.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/MU4R_glossaryTopics/g_regFedMLO_MU4R_proceeding.md:chunk-0",
      "title": "proceeding {#g_regFedMLO_MU4R_proceeding .glossentry}",
      "content": "# proceeding \n\nIncludes a formal administrative or civil action initiated by a governmental agency, self-regulatory organization or a foreign financial regulatory authority; a felony criminal indictment or information \\(or equivalent formal charge\\); or a misdemeanor criminal information \\(or equivalent formal charge\\). The term does not include other civil litigation, investigations, or arrests or similar charges affected in the absence of a formal criminal indictment or information \\(or equivalent formal charge\\).",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\MU4R_glossaryTopics\\g_regFedMLO_MU4R_proceeding.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\MU4R_glossaryTopics\\g_regFedMLO_MU4R_proceeding.md",
      "headings": [
        "proceeding {#g_regFedMLO_MU4R_proceeding .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/MU4R_glossaryTopics/g_regFedMLO_MU4R_proceeding.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/MU4R_glossaryTopics/g_regFedMLO_MU4Rterms.md:chunk-0",
      "title": "MU4R Definitions {#g_regFedMLO_MU4Rterms .glossgroup}",
      "content": "# MU4R Definitions \n\n**Parent topic:**Individual MU4R Registration\n\n## charged \n\nBeing accused of a crime in a formal complaint, information, or indictment \\(or equivalent formal charge\\).\n\n## control \n\nThe power, directly or indirectly, to direct the management or policies of a institution, whether through ownership of securities, by contract, or otherwise. Any person that \\(i\\) is a general partner or executive officer, including Chief Executive, Chief Financial Officer, Chief Operations Officer, Chief Legal Officer, Chief Credit Officer, Chief Compliance Officer, Director, and individuals occupying similar positions or performing similar functions; \\(ii\\) directly or indirectly has the right to vote 10% or more of a class of a voting security or has the power to sell or direct the sale of 10% or more of a class of voting securities; or \\(iii\\) in the case of a partnership, has the right to receive upon dissolution, or has contributed, 10% or more of the capital, is presumed to control that institution.\n\n## enjoined \n\nIncludes being subject to a mandatory injunction, prohibitory injunction, preliminary injunction, or a temporary restraining order.\n\n## felony \n\nFor jurisdictions that do not differentiate between a felony and a misdemeanor, a felony is an offense punishable by a sentence of at least one year imprisonment and/or a fine of at least $1,000. The term also includes a general court martial.\n\n## financial services or financial services related \n\nPertaining to securities, commodities, banking, insurance, consumer lending, or real estate \\(including, but not limited to; acting as or being associated with a bank or savings association, credit union, Farm Credit System institution, mortgage lender, mortgage broker, real estate salesperson or agent, appraiser, closing agent, title institution, or escrow agent\\).\n\n## foreign financial regulatory authority \n\nIncludes \\(1\\) a financial services authority of a foreign country; \\(2\\) other governmental body empowere",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\MU4R_glossaryTopics\\g_regFedMLO_MU4Rterms.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\MU4R_glossaryTopics\\g_regFedMLO_MU4Rterms.md",
      "headings": [
        "MU4R Definitions {#g_regFedMLO_MU4Rterms .glossgroup}",
        "charged {#id_qgj_mvm_52c}",
        "control {#id_x2g_4vm_52c}",
        "enjoined {#id_tqf_qvm_52c}",
        "felony {#id_grp_rvm_52c}",
        "financial services or financial services related {#id_pfs_svm_52c}",
        "foreign financial regulatory authority {#id_lvv_tvm_52c}",
        "found {#id_cvl_vvm_52c}",
        "involved {#id_vlr_xvm_52c}",
        "misdemeanor {#id_ibw_yvm_52c}",
        "order {#id_cwf_1wm_52c}",
        "proceeding {#id_axf_bwm_52c}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/MU4R_glossaryTopics/g_regFedMLO_MU4Rterms.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/MU4R_glossaryTopics/g_regFedMLO_MU4Rterms.md:chunk-1",
      "title": "MU4R Definitions {#g_regFedMLO_MU4Rterms .glossgroup}",
      "content": "ing agent, title institution, or escrow agent\\).\n\n## foreign financial regulatory authority \n\nIncludes \\(1\\) a financial services authority of a foreign country; \\(2\\) other governmental body empowered by a foreign government to administer or enforce its laws relating to the regulation of financial services or financial services-related activities; and \\(3\\) a foreign membership organization, a function of which is to regulate the participation of its members in financial services activities listed above.\n\n## found \n\nIncludes adverse final actions, including consent decrees in which the respondent has neither admitted nor denied the findings, but does not include agreements, deficiency letters, examination reports, memoranda of understanding, letters of caution, admonishments, and similar informal resolutions of matters.\n\n## involved \n\nDoing an act or omission or aiding, abetting, counseling, commanding, inducing, conspiring with or failing reasonably to supervise another in doing an act or omission.\n\n## misdemeanor \n\nFor jurisdictions that do not differentiate between a *felony* and a *misdemeanor*, a misdemeanor is an offense punishable by a sentence of less than one year imprisonment and/or a fine of less than $1,000. The term also includes a special court martial.\n\n## order \n\nA written directive issued pursuant to statutory authority and procedures, including orders of denial, suspension, or revocation; does not include special stipulations, undertakings or agreements relating to payments, limitations on activity or other restrictions unless they are included in an *order*.\n\n## proceeding \n\nIncludes a formal administrative or civil action initiated by a governmental agency, self-regulatory organization or a foreign financial regulatory authority; a felony criminal indictment or information \\(or equivalent formal charge\\); or a misdemeanor criminal information \\(or equivalent formal charge\\). The term does not include other civil litigation, investigations, or ar",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\MU4R_glossaryTopics\\g_regFedMLO_MU4Rterms.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\MU4R_glossaryTopics\\g_regFedMLO_MU4Rterms.md",
      "headings": [
        "MU4R Definitions {#g_regFedMLO_MU4Rterms .glossgroup}",
        "charged {#id_qgj_mvm_52c}",
        "control {#id_x2g_4vm_52c}",
        "enjoined {#id_tqf_qvm_52c}",
        "felony {#id_grp_rvm_52c}",
        "financial services or financial services related {#id_pfs_svm_52c}",
        "foreign financial regulatory authority {#id_lvv_tvm_52c}",
        "found {#id_cvl_vvm_52c}",
        "involved {#id_vlr_xvm_52c}",
        "misdemeanor {#id_ibw_yvm_52c}",
        "order {#id_cwf_1wm_52c}",
        "proceeding {#id_axf_bwm_52c}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/MU4R_glossaryTopics/g_regFedMLO_MU4Rterms.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/MU4R_glossaryTopics/g_regFedMLO_MU4Rterms.md:chunk-2",
      "title": "MU4R Definitions {#g_regFedMLO_MU4Rterms .glossgroup}",
      "content": "ndictment or information \\(or equivalent formal charge\\); or a misdemeanor criminal information \\(or equivalent formal charge\\). The term does not include other civil litigation, investigations, or arrests or similar charges affected in the absence of a formal criminal indictment or information \\(or equivalent formal charge\\).",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\MU4R_glossaryTopics\\g_regFedMLO_MU4Rterms.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\MU4R_glossaryTopics\\g_regFedMLO_MU4Rterms.md",
      "headings": [
        "MU4R Definitions {#g_regFedMLO_MU4Rterms .glossgroup}",
        "charged {#id_qgj_mvm_52c}",
        "control {#id_x2g_4vm_52c}",
        "enjoined {#id_tqf_qvm_52c}",
        "felony {#id_grp_rvm_52c}",
        "financial services or financial services related {#id_pfs_svm_52c}",
        "foreign financial regulatory authority {#id_lvv_tvm_52c}",
        "found {#id_cvl_vvm_52c}",
        "involved {#id_vlr_xvm_52c}",
        "misdemeanor {#id_ibw_yvm_52c}",
        "order {#id_cwf_1wm_52c}",
        "proceeding {#id_axf_bwm_52c}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/MU4R_glossaryTopics/g_regFedMLO_MU4Rterms.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/MU4R_glossaryTopics/g_regFedMLO_MU4Rterms_2.md:chunk-0",
      "title": "MU4R Definitions {#g_regFedMLO_MU4Rterms .glossgroup}",
      "content": "# MU4R Definitions \n\n## charged \n\nBeing accused of a crime in a formal complaint, information, or indictment \\(or equivalent formal charge\\).\n\n## control \n\nThe power, directly or indirectly, to direct the management or policies of a institution, whether through ownership of securities, by contract, or otherwise. Any person that \\(i\\) is a general partner or executive officer, including Chief Executive, Chief Financial Officer, Chief Operations Officer, Chief Legal Officer, Chief Credit Officer, Chief Compliance Officer, Director, and individuals occupying similar positions or performing similar functions; \\(ii\\) directly or indirectly has the right to vote 10% or more of a class of a voting security or has the power to sell or direct the sale of 10% or more of a class of voting securities; or \\(iii\\) in the case of a partnership, has the right to receive upon dissolution, or has contributed, 10% or more of the capital, is presumed to control that institution.\n\n## enjoined \n\nIncludes being subject to a mandatory injunction, prohibitory injunction, preliminary injunction, or a temporary restraining order.\n\n## felony \n\nFor jurisdictions that do not differentiate between a felony and a misdemeanor, a felony is an offense punishable by a sentence of at least one year imprisonment and/or a fine of at least $1,000. The term also includes a general court martial.\n\n## financial services or financial services related \n\nPertaining to securities, commodities, banking, insurance, consumer lending, or real estate \\(including, but not limited to; acting as or being associated with a bank or savings association, credit union, Farm Credit System institution, mortgage lender, mortgage broker, real estate salesperson or agent, appraiser, closing agent, title institution, or escrow agent\\).\n\n## foreign financial regulatory authority \n\nIncludes \\(1\\) a financial services authority of a foreign country; \\(2\\) other governmental body empowered by a foreign government to administer or enfo",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\MU4R_glossaryTopics\\g_regFedMLO_MU4Rterms_2.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\MU4R_glossaryTopics\\g_regFedMLO_MU4Rterms_2.md",
      "headings": [
        "MU4R Definitions {#g_regFedMLO_MU4Rterms .glossgroup}",
        "charged {#id_qgj_mvm_52c}",
        "control {#id_x2g_4vm_52c}",
        "enjoined {#id_tqf_qvm_52c}",
        "felony {#id_grp_rvm_52c}",
        "financial services or financial services related {#id_pfs_svm_52c}",
        "foreign financial regulatory authority {#id_lvv_tvm_52c}",
        "found {#id_cvl_vvm_52c}",
        "involved {#id_vlr_xvm_52c}",
        "misdemeanor {#id_ibw_yvm_52c}",
        "order {#id_cwf_1wm_52c}",
        "proceeding {#id_axf_bwm_52c}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/MU4R_glossaryTopics/g_regFedMLO_MU4Rterms_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/MU4R_glossaryTopics/g_regFedMLO_MU4Rterms_2.md:chunk-1",
      "title": "MU4R Definitions {#g_regFedMLO_MU4Rterms .glossgroup}",
      "content": ".\n\n## foreign financial regulatory authority \n\nIncludes \\(1\\) a financial services authority of a foreign country; \\(2\\) other governmental body empowered by a foreign government to administer or enforce its laws relating to the regulation of financial services or financial services-related activities; and \\(3\\) a foreign membership organization, a function of which is to regulate the participation of its members in financial services activities listed above.\n\n## found \n\nIncludes adverse final actions, including consent decrees in which the respondent has neither admitted nor denied the findings, but does not include agreements, deficiency letters, examination reports, memoranda of understanding, letters of caution, admonishments, and similar informal resolutions of matters.\n\n## involved \n\nDoing an act or omission or aiding, abetting, counseling, commanding, inducing, conspiring with or failing reasonably to supervise another in doing an act or omission.\n\n## misdemeanor \n\nFor jurisdictions that do not differentiate between a *felony* and a *misdemeanor*, a misdemeanor is an offense punishable by a sentence of less than one year imprisonment and/or a fine of less than $1,000. The term also includes a special court martial.\n\n## order \n\nA written directive issued pursuant to statutory authority and procedures, including orders of denial, suspension, or revocation; does not include special stipulations, undertakings or agreements relating to payments, limitations on activity or other restrictions unless they are included in an *order*.\n\n## proceeding \n\nIncludes a formal administrative or civil action initiated by a governmental agency, self-regulatory organization or a foreign financial regulatory authority; a felony criminal indictment or information \\(or equivalent formal charge\\); or a misdemeanor criminal information \\(or equivalent formal charge\\). The term does not include other civil litigation, investigations, or arrests or similar charges affected in the absenc",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\MU4R_glossaryTopics\\g_regFedMLO_MU4Rterms_2.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\MU4R_glossaryTopics\\g_regFedMLO_MU4Rterms_2.md",
      "headings": [
        "MU4R Definitions {#g_regFedMLO_MU4Rterms .glossgroup}",
        "charged {#id_qgj_mvm_52c}",
        "control {#id_x2g_4vm_52c}",
        "enjoined {#id_tqf_qvm_52c}",
        "felony {#id_grp_rvm_52c}",
        "financial services or financial services related {#id_pfs_svm_52c}",
        "foreign financial regulatory authority {#id_lvv_tvm_52c}",
        "found {#id_cvl_vvm_52c}",
        "involved {#id_vlr_xvm_52c}",
        "misdemeanor {#id_ibw_yvm_52c}",
        "order {#id_cwf_1wm_52c}",
        "proceeding {#id_axf_bwm_52c}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/MU4R_glossaryTopics/g_regFedMLO_MU4Rterms_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/MU4R_glossaryTopics/g_regFedMLO_MU4Rterms_2.md:chunk-2",
      "title": "MU4R Definitions {#g_regFedMLO_MU4Rterms .glossgroup}",
      "content": " charge\\); or a misdemeanor criminal information \\(or equivalent formal charge\\). The term does not include other civil litigation, investigations, or arrests or similar charges affected in the absence of a formal criminal indictment or information \\(or equivalent formal charge\\).",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\MU4R_glossaryTopics\\g_regFedMLO_MU4Rterms_2.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\MU4R_glossaryTopics\\g_regFedMLO_MU4Rterms_2.md",
      "headings": [
        "MU4R Definitions {#g_regFedMLO_MU4Rterms .glossgroup}",
        "charged {#id_qgj_mvm_52c}",
        "control {#id_x2g_4vm_52c}",
        "enjoined {#id_tqf_qvm_52c}",
        "felony {#id_grp_rvm_52c}",
        "financial services or financial services related {#id_pfs_svm_52c}",
        "foreign financial regulatory authority {#id_lvv_tvm_52c}",
        "found {#id_cvl_vvm_52c}",
        "involved {#id_vlr_xvm_52c}",
        "misdemeanor {#id_ibw_yvm_52c}",
        "order {#id_cwf_1wm_52c}",
        "proceeding {#id_axf_bwm_52c}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/MU4R_glossaryTopics/g_regFedMLO_MU4Rterms_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/glossgroup_edFuncSpecTerms.md:chunk-0",
      "title": "NMLS Education Terms {#glossgroup_edFuncSpecTerms .glossgroup}",
      "content": "# NMLS Education Terms \n\n**Parent topic:**Reference\n\n## approved course provider \n\nNMLS defines a course provider as an organization which has applied and has subsequently been approved by NMLS to deliver courses which are intended to satisfy the requirements of the **SAFE Act**. An approved course provider offers and delivers approved courses, is responsible for the instruction of the course, charges and collects fees, issues refunds, issues a course completion certificate, and performs credit banking. Additionally, approved course providers have processes in place to ensure the instructors its employs possess sufficient knowledge of the mortgage industry, have the requisite skills to teach adult learners, and meet the minimum requirements for an MLO background check as described in the **SAFE Act**.\n\n## blow through \n\nThe opportunity provided to students to bypass or circumvent the necessary information without engaging in any form of interaction with the course content, students or instructor.\n\n## classroom course \n\nA course that is delivered in a face to face format. The student and instructor will occupy the same location. This course format can be used to provide both pre-licensure and continuing education.\n\n## classroom equivalent course \\(webinar\\) \n\nA course that is delivered through a live feed of an instructor presenting course material. A classroom equivalent course is not a pre-recorded lesson provided to students. This course format can be used to provide both pre-licensure and continuing education.\n\n## course interaction \n\nIs defined as those activities required to be performed by a student as a means to demonstrate they are learning the course material. Interaction may occur between student and instructor; student and student; or student and content. Successful courses will typically have been designed with multiple activities to encourage interaction.\n\n## facilitator \\(proctor\\) \n\nis responsible for ensuring students are properly registered and chec",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\glossgroup_edFuncSpecTerms.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\glossgroup_edFuncSpecTerms.md",
      "headings": [
        "NMLS Education Terms {#glossgroup_edFuncSpecTerms .glossgroup}",
        "approved course provider {#id_ycm_r2r_12c}",
        "blow through {#id_nwk_x2r_12c}",
        "classroom course {#id_x3y_cfr_12c}",
        "classroom equivalent course \\(webinar\\) {#id_hlv_mfr_12c}",
        "course interaction {#id_ot5_5fr_12c}",
        "facilitator \\(proctor\\) {#id_ztg_dgr_12c}",
        "instructor {#id_rxv_bgr_12c}",
        "learning management system {#id_wbz_rjr_12c}",
        "LMS {#glossAlt_ywz_4cr_12c .glossAlt}",
        "module {#id_rvp_djr_12c}",
        "module locking {#id_rhz_2jr_12c}",
        "online instructor-led {#id_srf_lgr_12c}",
        "OIL {#glossAlt_us4_lbr_12c .glossAlt}",
        "online self-study {#id_rh4_13r_12c}",
        "OSS {#glossAlt_v4j_sbr_12c .glossAlt}",
        "seat time {#id_evr_tjr_12c}",
        "syllabus {#id_v2m_wjr_12c}",
        "unit of instruction {#id_opr_pjr_12c}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/glossgroup_edFuncSpecTerms.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/glossgroup_edFuncSpecTerms.md:chunk-1",
      "title": "NMLS Education Terms {#glossgroup_edFuncSpecTerms .glossgroup}",
      "content": "cessful courses will typically have been designed with multiple activities to encourage interaction.\n\n## facilitator \\(proctor\\) \n\nis responsible for ensuring students are properly registered and checked into the course. Additionally, the facilitator is responsible for making sure students return from break-out sessions or meal breaks, and that the student attends the entire course. Facilitators can also be employed to assist in taking student questions and passing them to the course instructor, and may perform other administrative functions in support of the course delivery.\n\n## instructor \n\nAn instructor is the individual teaching/instructing the course. Generally, a course has one principle instructor assigned to it. This individual is the subject matter expert and is responsible for leading the course and bears the burden of responsibility of ensuring the course is delivered properly.\n\n## learning management system \n\nA Learning Management System \\(LMS\\) \\(also referred to as a Course Management System \\(CMS\\)\\) is an online learning environment where students participate in their courses, interact with their instructors, and collaborate with their classmates. It is analogous to a virtual campus \\(Shelton & Saltsman, 2005\\).\n\nLearning Management System \\(LMS\\)\n\n### LMS \n\n## module \n\nDefined single topic to learning within the content of a larger course subject.\n\n## module locking \n\nA mechanism which ensures that course information is completed in consecutive or linear order. The objective of module locking is to prevent the student from skipping around the course material.\n\n## online instructor-led \n\nAn online instructor-led course is one that is led by an instructor utilizing a learning management system as a virtual classroom. Just like in a traditional classroom setting, the instructor is responsible for leading and teaching the course. This course format may only be used to provide prelicensure education with the exception of prelicensure state-specific cours",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\glossgroup_edFuncSpecTerms.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\glossgroup_edFuncSpecTerms.md",
      "headings": [
        "NMLS Education Terms {#glossgroup_edFuncSpecTerms .glossgroup}",
        "approved course provider {#id_ycm_r2r_12c}",
        "blow through {#id_nwk_x2r_12c}",
        "classroom course {#id_x3y_cfr_12c}",
        "classroom equivalent course \\(webinar\\) {#id_hlv_mfr_12c}",
        "course interaction {#id_ot5_5fr_12c}",
        "facilitator \\(proctor\\) {#id_ztg_dgr_12c}",
        "instructor {#id_rxv_bgr_12c}",
        "learning management system {#id_wbz_rjr_12c}",
        "LMS {#glossAlt_ywz_4cr_12c .glossAlt}",
        "module {#id_rvp_djr_12c}",
        "module locking {#id_rhz_2jr_12c}",
        "online instructor-led {#id_srf_lgr_12c}",
        "OIL {#glossAlt_us4_lbr_12c .glossAlt}",
        "online self-study {#id_rh4_13r_12c}",
        "OSS {#glossAlt_v4j_sbr_12c .glossAlt}",
        "seat time {#id_evr_tjr_12c}",
        "syllabus {#id_v2m_wjr_12c}",
        "unit of instruction {#id_opr_pjr_12c}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/glossgroup_edFuncSpecTerms.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/glossgroup_edFuncSpecTerms.md:chunk-2",
      "title": "NMLS Education Terms {#glossgroup_edFuncSpecTerms .glossgroup}",
      "content": "etting, the instructor is responsible for leading and teaching the course. This course format may only be used to provide prelicensure education with the exception of prelicensure state-specific courses that are ten \\(10\\) hours or less which must be offered in the online self-study format.\n\nOnline Instructor-led \\(OIL\\)\n\n### OIL \n\n## online self-study \n\nAn online self-study course is a highly interactive course that makes use of a learning management system to deliver course content. This course format may only be used to provide continuing education and state specific prelicensure education courses that are ten \\(10\\) hours or less.\n\nOnline Self-Study \\(OSS\\)\n\n### OSS \n\n## seat time \n\nSeat time is defined as the time in which a student is engaged through the various modules of a course which will result in the total course time.\n\n## syllabus \n\nAn outline of specific course objectives that provides information to the student prior to the start of the course. Information encompassed may include but is not limited to instructor contact information, course requirements, learning objectives, technical requirements, and texts.\n\n## unit of instruction \n\nA unit of instruction is defined as a smaller topic of instruction, which, when combined with other units of instruction, support the learning objectives of a larger course module.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\glossgroup_edFuncSpecTerms.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\glossgroup_edFuncSpecTerms.md",
      "headings": [
        "NMLS Education Terms {#glossgroup_edFuncSpecTerms .glossgroup}",
        "approved course provider {#id_ycm_r2r_12c}",
        "blow through {#id_nwk_x2r_12c}",
        "classroom course {#id_x3y_cfr_12c}",
        "classroom equivalent course \\(webinar\\) {#id_hlv_mfr_12c}",
        "course interaction {#id_ot5_5fr_12c}",
        "facilitator \\(proctor\\) {#id_ztg_dgr_12c}",
        "instructor {#id_rxv_bgr_12c}",
        "learning management system {#id_wbz_rjr_12c}",
        "LMS {#glossAlt_ywz_4cr_12c .glossAlt}",
        "module {#id_rvp_djr_12c}",
        "module locking {#id_rhz_2jr_12c}",
        "online instructor-led {#id_srf_lgr_12c}",
        "OIL {#glossAlt_us4_lbr_12c .glossAlt}",
        "online self-study {#id_rh4_13r_12c}",
        "OSS {#glossAlt_v4j_sbr_12c .glossAlt}",
        "seat time {#id_evr_tjr_12c}",
        "syllabus {#id_v2m_wjr_12c}",
        "unit of instruction {#id_opr_pjr_12c}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/glossgroup_edFuncSpecTerms.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/glossgroup_edFuncSpecTerms_2.md:chunk-0",
      "title": "NMLS Education Terms {#glossgroup_edFuncSpecTerms .glossgroup}",
      "content": "# NMLS Education Terms \n\n## approved course provider \n\nNMLS defines a course provider as an organization which has applied and has subsequently been approved by NMLS to deliver courses which are intended to satisfy the requirements of the **SAFE Act**. An approved course provider offers and delivers approved courses, is responsible for the instruction of the course, charges and collects fees, issues refunds, issues a course completion certificate, and performs credit banking. Additionally, approved course providers have processes in place to ensure the instructors its employs possess sufficient knowledge of the mortgage industry, have the requisite skills to teach adult learners, and meet the minimum requirements for an MLO background check as described in the **SAFE Act**.\n\n## blow through \n\nThe opportunity provided to students to bypass or circumvent the necessary information without engaging in any form of interaction with the course content, students or instructor.\n\n## classroom course \n\nA course that is delivered in a face to face format. The student and instructor will occupy the same location. This course format can be used to provide both pre-licensure and continuing education.\n\n## classroom equivalent course \\(webinar\\) \n\nA course that is delivered through a live feed of an instructor presenting course material. A classroom equivalent course is not a pre-recorded lesson provided to students. This course format can be used to provide both pre-licensure and continuing education.\n\n## course interaction \n\nIs defined as those activities required to be performed by a student as a means to demonstrate they are learning the course material. Interaction may occur between student and instructor; student and student; or student and content. Successful courses will typically have been designed with multiple activities to encourage interaction.\n\n## facilitator \\(proctor\\) \n\nis responsible for ensuring students are properly registered and checked into the course. Additio",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\glossgroup_edFuncSpecTerms_2.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\glossgroup_edFuncSpecTerms_2.md",
      "headings": [
        "NMLS Education Terms {#glossgroup_edFuncSpecTerms .glossgroup}",
        "approved course provider {#id_ycm_r2r_12c}",
        "blow through {#id_nwk_x2r_12c}",
        "classroom course {#id_x3y_cfr_12c}",
        "classroom equivalent course \\(webinar\\) {#id_hlv_mfr_12c}",
        "course interaction {#id_ot5_5fr_12c}",
        "facilitator \\(proctor\\) {#id_ztg_dgr_12c}",
        "instructor {#id_rxv_bgr_12c}",
        "learning management system {#id_wbz_rjr_12c}",
        "LMS {#glossAlt_ywz_4cr_12c .glossAlt}",
        "module {#id_rvp_djr_12c}",
        "module locking {#id_rhz_2jr_12c}",
        "online instructor-led {#id_srf_lgr_12c}",
        "OIL {#glossAlt_us4_lbr_12c .glossAlt}",
        "online self-study {#id_rh4_13r_12c}",
        "OSS {#glossAlt_v4j_sbr_12c .glossAlt}",
        "seat time {#id_evr_tjr_12c}",
        "syllabus {#id_v2m_wjr_12c}",
        "unit of instruction {#id_opr_pjr_12c}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/glossgroup_edFuncSpecTerms_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/glossgroup_edFuncSpecTerms_2.md:chunk-1",
      "title": "NMLS Education Terms {#glossgroup_edFuncSpecTerms .glossgroup}",
      "content": "ly have been designed with multiple activities to encourage interaction.\n\n## facilitator \\(proctor\\) \n\nis responsible for ensuring students are properly registered and checked into the course. Additionally, the facilitator is responsible for making sure students return from break-out sessions or meal breaks, and that the student attends the entire course. Facilitators can also be employed to assist in taking student questions and passing them to the course instructor, and may perform other administrative functions in support of the course delivery.\n\n## instructor \n\nAn instructor is the individual teaching/instructing the course. Generally, a course has one principle instructor assigned to it. This individual is the subject matter expert and is responsible for leading the course and bears the burden of responsibility of ensuring the course is delivered properly.\n\n## learning management system \n\nA Learning Management System \\(LMS\\) \\(also referred to as a Course Management System \\(CMS\\)\\) is an online learning environment where students participate in their courses, interact with their instructors, and collaborate with their classmates. It is analogous to a virtual campus \\(Shelton & Saltsman, 2005\\).\n\nLearning Management System \\(LMS\\)\n\n### LMS \n\n## module \n\nDefined single topic to learning within the content of a larger course subject.\n\n## module locking \n\nA mechanism which ensures that course information is completed in consecutive or linear order. The objective of module locking is to prevent the student from skipping around the course material.\n\n## online instructor-led \n\nAn online instructor-led course is one that is led by an instructor utilizing a learning management system as a virtual classroom. Just like in a traditional classroom setting, the instructor is responsible for leading and teaching the course. This course format may only be used to provide prelicensure education with the exception of prelicensure state-specific courses that are ten \\(10\\) hours",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\glossgroup_edFuncSpecTerms_2.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\glossgroup_edFuncSpecTerms_2.md",
      "headings": [
        "NMLS Education Terms {#glossgroup_edFuncSpecTerms .glossgroup}",
        "approved course provider {#id_ycm_r2r_12c}",
        "blow through {#id_nwk_x2r_12c}",
        "classroom course {#id_x3y_cfr_12c}",
        "classroom equivalent course \\(webinar\\) {#id_hlv_mfr_12c}",
        "course interaction {#id_ot5_5fr_12c}",
        "facilitator \\(proctor\\) {#id_ztg_dgr_12c}",
        "instructor {#id_rxv_bgr_12c}",
        "learning management system {#id_wbz_rjr_12c}",
        "LMS {#glossAlt_ywz_4cr_12c .glossAlt}",
        "module {#id_rvp_djr_12c}",
        "module locking {#id_rhz_2jr_12c}",
        "online instructor-led {#id_srf_lgr_12c}",
        "OIL {#glossAlt_us4_lbr_12c .glossAlt}",
        "online self-study {#id_rh4_13r_12c}",
        "OSS {#glossAlt_v4j_sbr_12c .glossAlt}",
        "seat time {#id_evr_tjr_12c}",
        "syllabus {#id_v2m_wjr_12c}",
        "unit of instruction {#id_opr_pjr_12c}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/glossgroup_edFuncSpecTerms_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/glossgroup_edFuncSpecTerms_2.md:chunk-2",
      "title": "NMLS Education Terms {#glossgroup_edFuncSpecTerms .glossgroup}",
      "content": "sponsible for leading and teaching the course. This course format may only be used to provide prelicensure education with the exception of prelicensure state-specific courses that are ten \\(10\\) hours or less which must be offered in the online self-study format.\n\nOnline Instructor-led \\(OIL\\)\n\n### OIL \n\n## online self-study \n\nAn online self-study course is a highly interactive course that makes use of a learning management system to deliver course content. This course format may only be used to provide continuing education and state specific prelicensure education courses that are ten \\(10\\) hours or less.\n\nOnline Self-Study \\(OSS\\)\n\n### OSS \n\n## seat time \n\nSeat time is defined as the time in which a student is engaged through the various modules of a course which will result in the total course time.\n\n## syllabus \n\nAn outline of specific course objectives that provides information to the student prior to the start of the course. Information encompassed may include but is not limited to instructor contact information, course requirements, learning objectives, technical requirements, and texts.\n\n## unit of instruction \n\nA unit of instruction is defined as a smaller topic of instruction, which, when combined with other units of instruction, support the learning objectives of a larger course module.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\glossgroup_edFuncSpecTerms_2.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\glossgroup_edFuncSpecTerms_2.md",
      "headings": [
        "NMLS Education Terms {#glossgroup_edFuncSpecTerms .glossgroup}",
        "approved course provider {#id_ycm_r2r_12c}",
        "blow through {#id_nwk_x2r_12c}",
        "classroom course {#id_x3y_cfr_12c}",
        "classroom equivalent course \\(webinar\\) {#id_hlv_mfr_12c}",
        "course interaction {#id_ot5_5fr_12c}",
        "facilitator \\(proctor\\) {#id_ztg_dgr_12c}",
        "instructor {#id_rxv_bgr_12c}",
        "learning management system {#id_wbz_rjr_12c}",
        "LMS {#glossAlt_ywz_4cr_12c .glossAlt}",
        "module {#id_rvp_djr_12c}",
        "module locking {#id_rhz_2jr_12c}",
        "online instructor-led {#id_srf_lgr_12c}",
        "OIL {#glossAlt_us4_lbr_12c .glossAlt}",
        "online self-study {#id_rh4_13r_12c}",
        "OSS {#glossAlt_v4j_sbr_12c .glossAlt}",
        "seat time {#id_evr_tjr_12c}",
        "syllabus {#id_v2m_wjr_12c}",
        "unit of instruction {#id_opr_pjr_12c}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/glossgroup_edFuncSpecTerms_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/glossgroup_licenseStatus.md:chunk-0",
      "title": "License Status Definitions {#glossgroup_licenseStatus .glossgroup}",
      "content": "# License Status Definitions \n\n## Approved \n\nStatus assigned when regulator has reviewed the license or transition request and decided to issue a license to the applicant through NMLS.\n\n## Approved-Conditional \n\nStatus assigned when the regulator has reviewed the license or transition request and decided to issue a license through NMLS provided certain conditions imposed by the regulator are met. This status may also be used \\(i\\) when a regulator has imposed an increased financial responsibility requirement on the licensee or \\(ii\\) if a licensee is subject to conditions set by an administrative order that do not otherwise restrict their ability to conduct lawful activities under the license.\n\n## Approved - Deficient \n\nStatus assigned when a regulator determines an entity is entitled to conduct business, but may be required to provide additional documentation/information to the regulator to comply with licensing requirements.\n\n## Approved - Failed to Renew \n\nStatus assigned when a licensee with a perpetual license fails to file renewal prior to December 31st.\n\n## Approved - Inactive \n\nStatus assigned when \\(i\\) the last active sponsorship is removed from a mortgage loan originator license; or \\(ii\\) when an entity or individual informs a regulator \\(outside NMLS\\) that they do not intend to conduct business under the license for a period of time, but will continue to comply with certain licensing requirements in order to retain the license. The status may also apply when a new license applicant is not currently employed as a mortgage loan originator but meets all other licensing requirements. In such cases, the license may be displayed as `Approved Inactive` until sponsorship by a mortgage company is acquired and approved by the regulator. Until sponsored and approved, the individual is prohibited from engaging in the business of a mortgage loan originator. This status also may be used for company licenses if the company is not associated with an approved qualifyin",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\glossgroup_licenseStatus.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\glossgroup_licenseStatus.md",
      "headings": [
        "License Status Definitions {#glossgroup_licenseStatus .glossgroup}",
        "Approved {#id_vpc_pwq_12c}",
        "Approved-Conditional {#id_mdx_qwq_12c}",
        "Approved - Deficient {#id_pbw_rwq_12c}",
        "Approved - Failed to Renew {#id_sg1_twq_12c}",
        "Approved - Inactive {#id_n5h_5wq_12c}",
        "Approved – On Appeal {#id_jj4_vwq_12c}",
        "Approved – Surrender / Cancellation Requested {#id_tsk_ywq_12c}",
        "Denied {#id_pnq_zwq_12c}",
        "Denied – On Appeal {#id_nwy_1xq_12c}",
        "Pending - Deficient {#id_b1z_dxq_12c}",
        "Pending - Deficient \\(Temporary Authority\\) {#id_wmk_fxq_12c}",
        "Pending - Deficient \\(Temporary Authority Eligible\\) {#id_v1q_gxq_12c}",
        "Pending - Incomplete {#id_nxx_hxq_12c}",
        "Pending - Review {#id_lld_jxq_12c}",
        "Pending - Review \\(Temporary Authority\\) {#id_h52_kxq_12c}",
        "Pending - Withdraw Requested {#id_qlt_txq_12c}",
        "Pre-Approved \\(Temporary Authority\\) {#id_ysn_vxq_12c}",
        "Revoked {#id_ukt_xxq_12c}",
        "Revoked – On Appeal {#id_jlt_byq_12c}",
        "Suspended {#id_hvh_dyq_12c}",
        "Suspended - On Appeal {#id_a4c_fyq_12c}",
        "Temporary Cease and Desist {#id_kx4_gyq_12c}",
        "Terminated - Expired {#id_rgl_3yq_12c}",
        "Terminated - Failed to Renew {#id_bsd_4yq_12c}",
        "Terminated - Ordered to Surrender {#id_n2n_pyq_12c}",
        "Terminated – Surrendered / Cancelled {#id_dhl_ryq_12c}",
        "Transition Cancelled {#id_dms_tyq_12c}",
        "Transition Rejected {#id_xk4_vyq_12c}",
        "Transition Requested {#id_ghz_wyq_12c}",
        "Withdrawn – Application Abandoned {#id_ygp_yyq_12c}",
        "Withdrawn - Voluntary without Licensure {#id_oxg_1zq_12c}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/glossgroup_licenseStatus.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/glossgroup_licenseStatus.md:chunk-1",
      "title": "License Status Definitions {#glossgroup_licenseStatus .glossgroup}",
      "content": " the individual is prohibited from engaging in the business of a mortgage loan originator. This status also may be used for company licenses if the company is not associated with an approved qualifying individual.\n\n## Approved – On Appeal \n\nStatus assigned when a regulator has taken action to suspend or revoke an approved license, the entity has appeal the decision and the entity is authorized to continue to conduct business while the action is on appeal. This status also may be used if a regulator rejects a renewal request and the licensee appeals the rejection.\n\n## Approved – Surrender / Cancellation Requested \n\nStatus assigned when a licensee submits a surrender / cancellation request to a regulator.\n\n## Denied \n\nStatus assigned when regulator has reviewed the license requested and determined that sufficient grounds exist to deny the request. This status may also be used by regulators who deny a renewal request for license.\n\n## Denied – On Appeal \n\nStatus assigned when regulator has reviewed the license request and determined that sufficient grounds exist to deny the request but applicant has appealed the decision.\n\n## Pending - Deficient \n\nStatus assigned when regulator has determined documents or information are incomplete or are missing from the license request.\n\n## Pending - Deficient \\(Temporary Authority\\) \n\nTemporary Authority to Operate status assigned when Temporary Authority is Active and CBC requirement has been completed, but there are pending testing & education requirements or active license items.\n\n## Pending - Deficient \\(Temporary Authority Eligible\\) \n\nTemporary Authority to Operate status assigned before Temporary Authority is Active while awaiting CBC results, CHRI review by the regulator, and a sponsorship request.\n\n## Pending - Incomplete \n\nStatus assigned upon submission of a new license request.\n\n## Pending - Review \n\nStatus assigned once the regulator has received external documents per checklist, completes a preliminary review of new lic",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\glossgroup_licenseStatus.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\glossgroup_licenseStatus.md",
      "headings": [
        "License Status Definitions {#glossgroup_licenseStatus .glossgroup}",
        "Approved {#id_vpc_pwq_12c}",
        "Approved-Conditional {#id_mdx_qwq_12c}",
        "Approved - Deficient {#id_pbw_rwq_12c}",
        "Approved - Failed to Renew {#id_sg1_twq_12c}",
        "Approved - Inactive {#id_n5h_5wq_12c}",
        "Approved – On Appeal {#id_jj4_vwq_12c}",
        "Approved – Surrender / Cancellation Requested {#id_tsk_ywq_12c}",
        "Denied {#id_pnq_zwq_12c}",
        "Denied – On Appeal {#id_nwy_1xq_12c}",
        "Pending - Deficient {#id_b1z_dxq_12c}",
        "Pending - Deficient \\(Temporary Authority\\) {#id_wmk_fxq_12c}",
        "Pending - Deficient \\(Temporary Authority Eligible\\) {#id_v1q_gxq_12c}",
        "Pending - Incomplete {#id_nxx_hxq_12c}",
        "Pending - Review {#id_lld_jxq_12c}",
        "Pending - Review \\(Temporary Authority\\) {#id_h52_kxq_12c}",
        "Pending - Withdraw Requested {#id_qlt_txq_12c}",
        "Pre-Approved \\(Temporary Authority\\) {#id_ysn_vxq_12c}",
        "Revoked {#id_ukt_xxq_12c}",
        "Revoked – On Appeal {#id_jlt_byq_12c}",
        "Suspended {#id_hvh_dyq_12c}",
        "Suspended - On Appeal {#id_a4c_fyq_12c}",
        "Temporary Cease and Desist {#id_kx4_gyq_12c}",
        "Terminated - Expired {#id_rgl_3yq_12c}",
        "Terminated - Failed to Renew {#id_bsd_4yq_12c}",
        "Terminated - Ordered to Surrender {#id_n2n_pyq_12c}",
        "Terminated – Surrendered / Cancelled {#id_dhl_ryq_12c}",
        "Transition Cancelled {#id_dms_tyq_12c}",
        "Transition Rejected {#id_xk4_vyq_12c}",
        "Transition Requested {#id_ghz_wyq_12c}",
        "Withdrawn – Application Abandoned {#id_ygp_yyq_12c}",
        "Withdrawn - Voluntary without Licensure {#id_oxg_1zq_12c}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/glossgroup_licenseStatus.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/glossgroup_licenseStatus.md:chunk-2",
      "title": "License Status Definitions {#glossgroup_licenseStatus .glossgroup}",
      "content": "us assigned upon submission of a new license request.\n\n## Pending - Review \n\nStatus assigned once the regulator has received external documents per checklist, completes a preliminary review of new license request and decides to accept the filing for processing. Once the request is placed in this status, the regulator review clocks start.\n\n## Pending - Review \\(Temporary Authority\\) \n\nTemporary Authority to Operate status assigned when Temporary Authority is Active, testing & education requirements have been met, and no regulator-set license items exist.\n\n## Pending - Withdraw Requested \n\nStatus assigned when the applicant submits a filing to withdraw a license request.\n\n## Pre-Approved \\(Temporary Authority\\) \n\nTemporary Authority to Operate status assigned when Temporary Authority is Active and testing & education requirements have not been met, but all other licensing requirements have been met.\n\n## Revoked \n\nStatus assigned when a regulator has taken action to revoke the license. Pursuant to federal SAFE legislation, placement of a mortgage loan originator license into this status will render the mortgage loan originator unable to obtain or retain a license to conduct mortgage business in any jurisdiction.\n\n## Revoked – On Appeal \n\nStatus assigned when a licensee has appealed a regulator’s action to revoke the license.\n\n## Suspended \n\nStatus assigned when a regulator has taken action to suspend the license.\n\n## Suspended - On Appeal \n\nStatus assigned when a licensee has appealed a regulators action to suspend the license.\n\n## Temporary Cease and Desist \n\nStatus assigned when a regulator issues a temporary cease and desist order against the licensee. Respond to and comply with any requirements / restrictions set forth in the order.\n\n## Terminated - Expired \n\nStatus assigned to a non-perpetual license when entity fails to renew a license by the end of the Reinstatement Period or the jurisdiction’s deadline \\(whichever is earlier\\), marks a license as Do Not Renew o",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\glossgroup_licenseStatus.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\glossgroup_licenseStatus.md",
      "headings": [
        "License Status Definitions {#glossgroup_licenseStatus .glossgroup}",
        "Approved {#id_vpc_pwq_12c}",
        "Approved-Conditional {#id_mdx_qwq_12c}",
        "Approved - Deficient {#id_pbw_rwq_12c}",
        "Approved - Failed to Renew {#id_sg1_twq_12c}",
        "Approved - Inactive {#id_n5h_5wq_12c}",
        "Approved – On Appeal {#id_jj4_vwq_12c}",
        "Approved – Surrender / Cancellation Requested {#id_tsk_ywq_12c}",
        "Denied {#id_pnq_zwq_12c}",
        "Denied – On Appeal {#id_nwy_1xq_12c}",
        "Pending - Deficient {#id_b1z_dxq_12c}",
        "Pending - Deficient \\(Temporary Authority\\) {#id_wmk_fxq_12c}",
        "Pending - Deficient \\(Temporary Authority Eligible\\) {#id_v1q_gxq_12c}",
        "Pending - Incomplete {#id_nxx_hxq_12c}",
        "Pending - Review {#id_lld_jxq_12c}",
        "Pending - Review \\(Temporary Authority\\) {#id_h52_kxq_12c}",
        "Pending - Withdraw Requested {#id_qlt_txq_12c}",
        "Pre-Approved \\(Temporary Authority\\) {#id_ysn_vxq_12c}",
        "Revoked {#id_ukt_xxq_12c}",
        "Revoked – On Appeal {#id_jlt_byq_12c}",
        "Suspended {#id_hvh_dyq_12c}",
        "Suspended - On Appeal {#id_a4c_fyq_12c}",
        "Temporary Cease and Desist {#id_kx4_gyq_12c}",
        "Terminated - Expired {#id_rgl_3yq_12c}",
        "Terminated - Failed to Renew {#id_bsd_4yq_12c}",
        "Terminated - Ordered to Surrender {#id_n2n_pyq_12c}",
        "Terminated – Surrendered / Cancelled {#id_dhl_ryq_12c}",
        "Transition Cancelled {#id_dms_tyq_12c}",
        "Transition Rejected {#id_xk4_vyq_12c}",
        "Transition Requested {#id_ghz_wyq_12c}",
        "Withdrawn – Application Abandoned {#id_ygp_yyq_12c}",
        "Withdrawn - Voluntary without Licensure {#id_oxg_1zq_12c}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/glossgroup_licenseStatus.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/glossgroup_licenseStatus.md:chunk-3",
      "title": "License Status Definitions {#glossgroup_licenseStatus .glossgroup}",
      "content": "signed to a non-perpetual license when entity fails to renew a license by the end of the Reinstatement Period or the jurisdiction’s deadline \\(whichever is earlier\\), marks a license as Do Not Renew or has failed to address outstanding issues with a license that has been suspended.\n\n## Terminated - Failed to Renew \n\nStatus assigned to a non-perpetual license when a licensee fails to file for renewal prior to December 31st or marks a license as `Do Not Renew`. The licensee is not authorized to conduct business with a license in this status.\n\n## Terminated - Ordered to Surrender \n\nStatus assigned when a regulator orders a licensee to surrender their license.\n\n## Terminated – Surrendered / Cancelled \n\nStatus assigned when a regulator approved a surrender / cancellation request submitted by the licensee.\n\n## Transition Cancelled \n\nStatus assigned upon submission of a filing request cancellation of a transition request.\n\n## Transition Rejected \n\nStatus assigned when a regulator decides not to approve a transition request. Also used by regulators when the incorrect license type is identified for transition.\n\n## Transition Requested \n\nStatus assigned upon submission of a transition request.\n\n## Withdrawn – Application Abandoned \n\nStatus assigned when the applicant has not responded to regulator requests for additional information within a timely manner.\n\n## Withdrawn - Voluntary without Licensure \n\nStatus assigned upon acceptance of a withdraw request submitted by the applicant.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\glossgroup_licenseStatus.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\glossgroup_licenseStatus.md",
      "headings": [
        "License Status Definitions {#glossgroup_licenseStatus .glossgroup}",
        "Approved {#id_vpc_pwq_12c}",
        "Approved-Conditional {#id_mdx_qwq_12c}",
        "Approved - Deficient {#id_pbw_rwq_12c}",
        "Approved - Failed to Renew {#id_sg1_twq_12c}",
        "Approved - Inactive {#id_n5h_5wq_12c}",
        "Approved – On Appeal {#id_jj4_vwq_12c}",
        "Approved – Surrender / Cancellation Requested {#id_tsk_ywq_12c}",
        "Denied {#id_pnq_zwq_12c}",
        "Denied – On Appeal {#id_nwy_1xq_12c}",
        "Pending - Deficient {#id_b1z_dxq_12c}",
        "Pending - Deficient \\(Temporary Authority\\) {#id_wmk_fxq_12c}",
        "Pending - Deficient \\(Temporary Authority Eligible\\) {#id_v1q_gxq_12c}",
        "Pending - Incomplete {#id_nxx_hxq_12c}",
        "Pending - Review {#id_lld_jxq_12c}",
        "Pending - Review \\(Temporary Authority\\) {#id_h52_kxq_12c}",
        "Pending - Withdraw Requested {#id_qlt_txq_12c}",
        "Pre-Approved \\(Temporary Authority\\) {#id_ysn_vxq_12c}",
        "Revoked {#id_ukt_xxq_12c}",
        "Revoked – On Appeal {#id_jlt_byq_12c}",
        "Suspended {#id_hvh_dyq_12c}",
        "Suspended - On Appeal {#id_a4c_fyq_12c}",
        "Temporary Cease and Desist {#id_kx4_gyq_12c}",
        "Terminated - Expired {#id_rgl_3yq_12c}",
        "Terminated - Failed to Renew {#id_bsd_4yq_12c}",
        "Terminated - Ordered to Surrender {#id_n2n_pyq_12c}",
        "Terminated – Surrendered / Cancelled {#id_dhl_ryq_12c}",
        "Transition Cancelled {#id_dms_tyq_12c}",
        "Transition Rejected {#id_xk4_vyq_12c}",
        "Transition Requested {#id_ghz_wyq_12c}",
        "Withdrawn – Application Abandoned {#id_ygp_yyq_12c}",
        "Withdrawn - Voluntary without Licensure {#id_oxg_1zq_12c}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/glossgroup_licenseStatus.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/mnlsPG_g_authAgent.md:chunk-0",
      "title": "authorized agent / delegate {#mnlsPG_g_authAgent .glossentry}",
      "content": "# authorized agent / delegate \n\nAn entity designated by a licensee to provide money services on behalf of the licensee. This may include company owned branch locations. This relationship is often formalized through an agreement/contract between the licensee and agent.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\mnlsPG_g_authAgent.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\mnlsPG_g_authAgent.md",
      "headings": [
        "authorized agent / delegate {#mnlsPG_g_authAgent .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/mnlsPG_g_authAgent.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsEd_FS_g_approvedCourseProvider.md:chunk-0",
      "title": "approved course provider {#ddl .glossentry}",
      "content": "# approved course provider \n\nNMLS defines a course provider as an organization which has applied and has subsequently been approved by NMLS to deliver courses which are intended to satisfy the requirements of the **SAFE Act**. An approved course provider offers and delivers approved courses, is responsible for the instruction of the course, charges and collects fees, issues refunds, issues a course completion certificate, and performs credit banking. Additionally, approved course providers have processes in place to ensure the instructors its employs possess sufficient knowledge of the mortgage industry, have the requisite skills to teach adult learners, and meet the minimum requirements for an MLO background check as described in the **SAFE Act**.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsEd_FS_g_approvedCourseProvider.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsEd_FS_g_approvedCourseProvider.md",
      "headings": [
        "approved course provider {#ddl .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsEd_FS_g_approvedCourseProvider.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsEd_FS_g_blowThrough.md:chunk-0",
      "title": "blow through {#glossentry_wmz_r1r_12c .glossentry}",
      "content": "# blow through \n\nThe opportunity provided to students to bypass or circumvent the necessary information without engaging in any form of interaction with the course content, students or instructor.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsEd_FS_g_blowThrough.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsEd_FS_g_blowThrough.md",
      "headings": [
        "blow through {#glossentry_wmz_r1r_12c .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsEd_FS_g_blowThrough.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsEd_FS_g_classCourse.md:chunk-0",
      "title": "classroom course {#glossentry_nxn_51r_12c .glossentry}",
      "content": "# classroom course \n\nA course that is delivered in a face to face format. The student and instructor will occupy the same location. This course format can be used to provide both pre-licensure and continuing education.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsEd_FS_g_classCourse.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsEd_FS_g_classCourse.md",
      "headings": [
        "classroom course {#glossentry_nxn_51r_12c .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsEd_FS_g_classCourse.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsEd_FS_g_classEquiv.md:chunk-0",
      "title": "classroom equivalent course \\(webinar\\) {#glossentry_exm_x1r_12c .glossentry}",
      "content": "# classroom equivalent course \\(webinar\\) \n\nA course that is delivered through a live feed of an instructor presenting course material. A classroom equivalent course is not a pre-recorded lesson provided to students. This course format can be used to provide both pre-licensure and continuing education.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsEd_FS_g_classEquiv.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsEd_FS_g_classEquiv.md",
      "headings": [
        "classroom equivalent course \\(webinar\\) {#glossentry_exm_x1r_12c .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsEd_FS_g_classEquiv.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsEd_FS_g_courseInteract.md:chunk-0",
      "title": "course interaction {#glossentry_q51_1br_12c .glossentry}",
      "content": "# course interaction \n\nIs defined as those activities required to be performed by a student as a means to demonstrate they are learning the course material. Interaction may occur between student and instructor; student and student; or student and content. Successful courses will typically have been designed with multiple activities to encourage interaction.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsEd_FS_g_courseInteract.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsEd_FS_g_courseInteract.md",
      "headings": [
        "course interaction {#glossentry_q51_1br_12c .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsEd_FS_g_courseInteract.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsEd_FS_g_facilitator.md:chunk-0",
      "title": "facilitator \\(proctor\\) {#glossentry_vh3_2br_12c .glossentry}",
      "content": "# facilitator \\(proctor\\) \n\nis responsible for ensuring students are properly registered and checked into the course. Additionally, the facilitator is responsible for making sure students return from break-out sessions or meal breaks, and that the student attends the entire course. Facilitators can also be employed to assist in taking student questions and passing them to the course instructor, and may perform other administrative functions in support of the course delivery.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsEd_FS_g_facilitator.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsEd_FS_g_facilitator.md",
      "headings": [
        "facilitator \\(proctor\\) {#glossentry_vh3_2br_12c .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsEd_FS_g_facilitator.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsEd_FS_g_instructor.md:chunk-0",
      "title": "instructor {#glossentry_ynr_cbr_12c .glossentry}",
      "content": "# instructor \n\nAn instructor is the individual teaching/instructing the course. Generally, a course has one principle instructor assigned to it. This individual is the subject matter expert and is responsible for leading the course and bears the burden of responsibility of ensuring the course is delivered properly.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsEd_FS_g_instructor.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsEd_FS_g_instructor.md",
      "headings": [
        "instructor {#glossentry_ynr_cbr_12c .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsEd_FS_g_instructor.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsEd_FS_g_lms.md:chunk-0",
      "title": "learning management system {#glossentry_xfz_jcr_12c .glossentry}",
      "content": "# learning management system \n\nA Learning Management System \\(LMS\\) \\(also referred to as a Course Management System \\(CMS\\)\\) is an online learning environment where students participate in their courses, interact with their instructors, and collaborate with their classmates. It is analogous to a virtual campus \\(Shelton & Saltsman, 2005\\).\n\nLearning Management System \\(LMS\\)\n\n## LMS",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsEd_FS_g_lms.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsEd_FS_g_lms.md",
      "headings": [
        "learning management system {#glossentry_xfz_jcr_12c .glossentry}",
        "LMS {#glossAlt_ywz_4cr_12c .glossAlt}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsEd_FS_g_lms.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsEd_FS_g_module.md:chunk-0",
      "title": "module {#glossentry_xkp_5br_12c .glossentry}",
      "content": "# module \n\nDefined single topic to learning within the content of a larger course subject.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsEd_FS_g_module.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsEd_FS_g_module.md",
      "headings": [
        "module {#glossentry_xkp_5br_12c .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsEd_FS_g_module.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsEd_FS_g_moduleLocking.md:chunk-0",
      "title": "module locking {#glossentry_wy2_ybr_12c .glossentry}",
      "content": "# module locking \n\nA mechanism which ensures that course information is completed in consecutive or linear order. The objective of module locking is to prevent the student from skipping around the course material.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsEd_FS_g_moduleLocking.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsEd_FS_g_moduleLocking.md",
      "headings": [
        "module locking {#glossentry_wy2_ybr_12c .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsEd_FS_g_moduleLocking.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsEd_FS_g_oil.md:chunk-0",
      "title": "online instructor-led {#glossentry_w4g_gbr_12c .glossentry}",
      "content": "# online instructor-led \n\nAn online instructor-led course is one that is led by an instructor utilizing a learning management system as a virtual classroom. Just like in a traditional classroom setting, the instructor is responsible for leading and teaching the course. This course format may only be used to provide prelicensure education with the exception of prelicensure state-specific courses that are ten \\(10\\) hours or less which must be offered in the online self-study format.\n\nOnline Instructor-led \\(OIL\\)\n\n## OIL",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsEd_FS_g_oil.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsEd_FS_g_oil.md",
      "headings": [
        "online instructor-led {#glossentry_w4g_gbr_12c .glossentry}",
        "OIL {#glossAlt_us4_lbr_12c .glossAlt}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsEd_FS_g_oil.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsEd_FS_g_oss.md:chunk-0",
      "title": "online self-study {#glossentry_nqv_mbr_12c .glossentry}",
      "content": "# online self-study \n\nAn online self-study course is a highly interactive course that makes use of a learning management system to deliver course content. This course format may only be used to provide continuing education and state specific prelicensure education courses that are ten \\(10\\) hours or less.\n\nOnline Self-Study \\(OSS\\)\n\n## OSS",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsEd_FS_g_oss.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsEd_FS_g_oss.md",
      "headings": [
        "online self-study {#glossentry_nqv_mbr_12c .glossentry}",
        "OSS {#glossAlt_v4j_sbr_12c .glossAlt}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsEd_FS_g_oss.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsEd_FS_g_seatTime.md:chunk-0",
      "title": "seat time {#glossentry_i13_rcr_12c .glossentry}",
      "content": "# seat time \n\nSeat time is defined as the time in which a student is engaged through the various modules of a course which will result in the total course time.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsEd_FS_g_seatTime.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsEd_FS_g_seatTime.md",
      "headings": [
        "seat time {#glossentry_i13_rcr_12c .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsEd_FS_g_seatTime.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsEd_FS_g_syllabus.md:chunk-0",
      "title": "syllabus {#glossentry_gzf_ccr_12c .glossentry}",
      "content": "# syllabus \n\nAn outline of specific course objectives that provides information to the student prior to the start of the course. Information encompassed may include but is not limited to instructor contact information, course requirements, learning objectives, technical requirements, and texts.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsEd_FS_g_syllabus.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsEd_FS_g_syllabus.md",
      "headings": [
        "syllabus {#glossentry_gzf_ccr_12c .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsEd_FS_g_syllabus.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsEd_FS_g_unitOfInstruction.md:chunk-0",
      "title": "unit of instruction {#glossentry_dkj_xcr_12c .glossentry}",
      "content": "# unit of instruction \n\nA unit of instruction is defined as a smaller topic of instruction, which, when combined with other units of instruction, support the learning objectives of a larger course module.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsEd_FS_g_unitOfInstruction.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsEd_FS_g_unitOfInstruction.md",
      "headings": [
        "unit of instruction {#glossentry_dkj_xcr_12c .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsEd_FS_g_unitOfInstruction.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_CIKnumber.md:chunk-0",
      "title": "Central Index Key {#nmlsPG_g_CIKnumber .glossentry}",
      "content": "# Central Index Key \n\nA unique identifier assigned by the SEC to companies who file disclosure documents with the SEC. This number is reported on Company 10K filings as required for publicly traded companies. Some states alternatively refer to this number as the 10K ID number. However, the 10K ID number is a filing identifier for the 10K filing and is not used to uniquely identify a Company.\n\nCentral Index Key \\(CIK\\) number\n\n## CIK",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_CIKnumber.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_CIKnumber.md",
      "headings": [
        "Central Index Key {#nmlsPG_g_CIKnumber .glossentry}",
        "CIK {#glossAlt_jyz_f3d_vdc .glossAlt}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_CIKnumber.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_RMLA.md:chunk-0",
      "title": "Residential Mortgage Loan Activity Report {#nmlsPG_g_RMLA .glossentry}",
      "content": "# Residential Mortgage Loan Activity Report \n\nThe component of an MCR which gathers the filing entity’s information at a state level, except for the Lines of Credit information which is collected at a company level. The RMLA may be expanded \\(E-RMLA\\) or standard \\(S-RMLA\\).\n\nResidential Mortgage Loan Activity Report \\(RMLA\\)\n\n## RMLA",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_RMLA.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_RMLA.md",
      "headings": [
        "Residential Mortgage Loan Activity Report {#nmlsPG_g_RMLA .glossentry}",
        "RMLA {#glossAlt_wjb_djf_vdc .glossAlt}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_RMLA.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_access.md:chunk-0",
      "title": "access {#nmlspgGAccessDita .glossentry}",
      "content": "# access \n\nIndicates a company’s ability to view, file, or maintain an Individual Form \\(MU2\\) or Individual Licensing Form \\(MU4\\) on behalf of an individual.\n\nIndividuals must provide a company with access to their record in order for the company to file or maintain their record, or to create a relationship or sponsorship.\n\naccess",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_access.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_access.md",
      "headings": [
        "access {#nmlspgGAccessDita .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_access.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_affiliate.md:chunk-0",
      "title": "affiliate {#nmlsPG_g_affiliate .glossentry}",
      "content": "# affiliate \n\nAn organization that is under common control with the applicant.\n\naffiliate",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_affiliate.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_affiliate.md",
      "headings": [
        "affiliate {#nmlsPG_g_affiliate .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_affiliate.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_agencyFeeInvoice.md:chunk-0",
      "title": "agency fee invoice {#g_agencyFeeInvoice .glossentry}",
      "content": "# agency fee invoice \n\nThis functionality permits state agencies to invoice current, pending,and past relevant company, branch and individual licensees for various fees through NMLS. Licensees can pay agency invoices through the current NMLS payment process.\n\nWhen an invoice is created, the System places a license item on the license that is linked to the invoice. State agency users also can modify the license item to add additional information. The license item is cleared when payment has been processed or the regulator cancels the invoice.\n\nAgency Fee Invoice \\(AFI\\)\n\n## AFI",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_agencyFeeInvoice.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_agencyFeeInvoice.md",
      "headings": [
        "agency fee invoice {#g_agencyFeeInvoice .glossentry}",
        "AFI {#glossAlt_v21_4fd_vdc .glossAlt}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_agencyFeeInvoice.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_applicant.md:chunk-0",
      "title": "applicant {#nmlsPG_g_applicant .glossentry}",
      "content": "# applicant \n\nThe entity applying or amending information on this form. The only instance in which the applicant is an individual is in the case of a sole proprietorship or applying for licensure view the Individual Licensing Form \\(MU4\\).",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_applicant.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_applicant.md",
      "headings": [
        "applicant {#nmlsPG_g_applicant .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_applicant.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_auditedFinStmt.md:chunk-0",
      "title": "audited financial statement {#nmlsPG_g_auditedFinSttmt .glossentry}",
      "content": "# audited financial statement \n\nA financial statement that has been audited and represents all components of a financial statement including: balance sheet, cash flow statement, and income statement.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_auditedFinStmt.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_auditedFinStmt.md",
      "headings": [
        "audited financial statement {#nmlsPG_g_auditedFinSttmt .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_auditedFinStmt.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_businessActivity.md:chunk-0",
      "title": "business activity {#nmls_PG_g_businessActivity .glossentry}",
      "content": "# business activity \n\nA generic, non-legal definition of a financial services activity that reasonably describes the activity. No activity can be covered by more than one definition.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_businessActivity.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_businessActivity.md",
      "headings": [
        "business activity {#nmls_PG_g_businessActivity .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_businessActivity.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_charged.md:chunk-0",
      "title": "charged {#nmlsPG_g_charged .glossentry}",
      "content": "# charged \n\nBeing accused of a crime in a formal complaint, information, or indictment \\(or equivalent formal charge\\).",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_charged.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_charged.md",
      "headings": [
        "charged {#nmlsPG_g_charged .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_charged.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_commercialPurposes.md:chunk-0",
      "title": "commercial purposes {#nmlsPG_g_commercialPurposes .glossentry}",
      "content": "# commercial purposes \n\nAny business activity primarily engaged in for purposes other than personal, family or household.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_commercialPurposes.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_commercialPurposes.md",
      "headings": [
        "commercial purposes {#nmlsPG_g_commercialPurposes .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_commercialPurposes.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_consFin_PACEprogAdmin.md:chunk-0",
      "title": "Property Assessed Clean Energy program administrator {#nmlsPG_g_consFin_PACEprogAdmin .glossentry}",
      "content": "# Property Assessed Clean Energy program administrator \n\nAdminister financing for energy efficient property improvements on behalf of a local government entity.\n\nProperty Assessed Clean Energy \\(PACE\\) program administrator\n\n## PACE program administrator",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_consFin_PACEprogAdmin.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_consFin_PACEprogAdmin.md",
      "headings": [
        "Property Assessed Clean Energy program administrator {#nmlsPG_g_consFin_PACEprogAdmin .glossentry}",
        "PACE program administrator {#glossAlt_vyf_tg4_12c .glossAlt}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_consFin_PACEprogAdmin.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_consFin_acctBillingSvc.md:chunk-0",
      "title": "accounting / billing servicing {#nmlsPG_g_consFin_acctBillingSvc .glossentry}",
      "content": "# accounting / billing servicing \n\nProviding a billing and / or accounting service to a company.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_consFin_acctBillingSvc.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_consFin_acctBillingSvc.md",
      "headings": [
        "accounting / billing servicing {#nmlsPG_g_consFin_acctBillingSvc .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_consFin_acctBillingSvc.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_consFin_commFinance.md:chunk-0",
      "title": "commercial financing \\(lending / brokering\\) {#nmlsPG_g_consFin_commFinance .glossentry}",
      "content": "# commercial financing \\(lending / brokering\\) \n\n1.  Acting as a lender or creditor by providing or offering to provide open-end, closed-end, sales-based, factoring, or other form of financing transaction, and where the financing is for commercial purposes only and not secured by real property; or\n2.  Acting as a broker by providing or offering to provide the service of bringing borrowers and lenders or creditors together to assist in negotiating financing for commercial purposes only that is not secured by real property.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_consFin_commFinance.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_consFin_commFinance.md",
      "headings": [
        "commercial financing \\(lending / brokering\\) {#nmlsPG_g_consFin_commFinance .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_consFin_commFinance.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_consFin_commMortSvc.md:chunk-0",
      "title": "commercial mortgage servicing {#nmlsPG_g_consFin_commMortSvc .glossentry}",
      "content": "# commercial mortgage servicing \n\nProviding services which include the receipt of payments, customer services, escrow administration, investor accounting, and collections or foreclosures for mortgages secured by real property where the financing is for commercial purposes only.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_consFin_commMortSvc.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_consFin_commMortSvc.md",
      "headings": [
        "commercial mortgage servicing {#nmlsPG_g_consFin_commMortSvc .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_consFin_commMortSvc.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_consFin_consumLoanBroker.md:chunk-0",
      "title": "consumer loan brokering {#nmlsPG_g_consFin_consumLoanBroker .glossentry}",
      "content": "# consumer loan brokering \n\nProviding the service of bringing borrowers and lenders together to assist a borrower obtain funds for personal, family or household purposes not including loans secured by real property.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_consFin_consumLoanBroker.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_consFin_consumLoanBroker.md",
      "headings": [
        "consumer loan brokering {#nmlsPG_g_consFin_consumLoanBroker .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_consFin_consumLoanBroker.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_consFin_consumLoanLending.md:chunk-0",
      "title": "consumer loan lending {#nmlsPG_g_consFin_consumLoanBrokering .glossentry}",
      "content": "# consumer loan lending \n\nActing as a lender or creditor by offering to provide or providing funds to a borrower primarily for personal, family or household purposes not including loans secured by real property.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_consFin_consumLoanLending.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_consFin_consumLoanLending.md",
      "headings": [
        "consumer loan lending {#nmlsPG_g_consFin_consumLoanBrokering .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_consFin_consumLoanLending.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_consFin_consumLoanSvc.md:chunk-0",
      "title": "consumer loan servicing {#nmlsPG_g_consFin_consumLoanSvc .glossentry}",
      "content": "# consumer loan servicing \n\nProviding services which include the receipt of payments, customer service, escrow administration, investor accounting, and collections for consumer loans \\(not including loans secured by real property\\).",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_consFin_consumLoanSvc.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_consFin_consumLoanSvc.md",
      "headings": [
        "consumer loan servicing {#nmlsPG_g_consFin_consumLoanSvc .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_consFin_consumLoanSvc.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_consFin_consumReportAgency.md:chunk-0",
      "title": "consumer reporting agency {#nmlsPG_g_consFin_consumReportAgency .glossentry}",
      "content": "# consumer reporting agency \n\nAny person who, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which may use any means or faciality of commerce for the purpose of preparing or furnishing consumer reports.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_consFin_consumReportAgency.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_consFin_consumReportAgency.md",
      "headings": [
        "consumer reporting agency {#nmlsPG_g_consFin_consumReportAgency .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_consFin_consumReportAgency.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_consFin_earnedWageD2C.md:chunk-0",
      "title": "earned wage access—direct to consumer {#nmlsPG_g_consFin_earnedWageD2C .glossentry}",
      "content": "# earned wage access—direct to consumer \n\nA third-party provides a consumer’s earned but unpaid salary, wages, compensation, or other income. The third-party does not have direct access to the employee’s time and attendance records from the employer or employer’s payroll provider.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_consFin_earnedWageD2C.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_consFin_earnedWageD2C.md",
      "headings": [
        "earned wage access—direct to consumer {#nmlsPG_g_consFin_earnedWageD2C .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_consFin_earnedWageD2C.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_consFin_earnedWageEmployer.md:chunk-0",
      "title": "earned wage access—employer integrated {#nmlsPG_g_consFin_earnedWageEmployer .glossentry}",
      "content": "# earned wage access—employer integrated \n\nAn employer or an agent of the employer provides an employee’s earned but unpaid salary, wages, compensation, or other income, prior to the date the employer is required to pay the employee. The employer or agent has direct access to the employee’s time and attendance records from the employer or the employer’s payroll provider.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_consFin_earnedWageEmployer.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_consFin_earnedWageEmployer.md",
      "headings": [
        "earned wage access—employer integrated {#nmlsPG_g_consFin_earnedWageEmployer .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_consFin_earnedWageEmployer.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_consFin_escrowAgent.md:chunk-0",
      "title": "escrowing agents {#nmlsPG_g_consFin_escrowAgent .glossentry}",
      "content": "# escrowing agents \n\nAny transaction for the purpose of effecting and closing the sale, purchase, exchange, transfer, encumbrance, or lease of real or personal property to another person or persons, delivers any written instrument, money, evidence of title to real or personal property, or other thing of value to a third person to be held by such third person until the happening of a specified event or the performance of a prescribed condition or conditions, when it is then to be delivered by such third person, in compliance with instructions under which he or she is to act, to a grantee, grantor, promisee, promisor, obligee, obligor, lessee, lessor, bailee, bailor, or any agent or employee thereof.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_consFin_escrowAgent.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_consFin_escrowAgent.md",
      "headings": [
        "escrowing agents {#nmlsPG_g_consFin_escrowAgent .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_consFin_escrowAgent.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_consFin_nonDepATM.md:chunk-0",
      "title": "non-depository ATM operation {#nmlsPG_g_consFin_nonDepATM .glossentry}",
      "content": "# non-depository ATM operation \n\nProviding a non-depository automated teller machine \\(ATM\\) for which the person or entity imposes a fee on, or receives a fee from, a customer using the ATM.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_consFin_nonDepATM.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_consFin_nonDepATM.md",
      "headings": [
        "non-depository ATM operation {#nmlsPG_g_consFin_nonDepATM .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_consFin_nonDepATM.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_consFin_nonPrivStuLoanSvc.md:chunk-0",
      "title": "non-private student loan servicing {#nmlsPG_g_consFin_nonPrivStuLoanSvc .glossentry}",
      "content": "# non-private student loan servicing \n\nProviding services which include the receipt and application of borrower payments and other administrative services with respect to loans made to individuals to finance education or other school related expenses which are guaranteed by the federal government.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_consFin_nonPrivStuLoanSvc.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_consFin_nonPrivStuLoanSvc.md",
      "headings": [
        "non-private student loan servicing {#nmlsPG_g_consFin_nonPrivStuLoanSvc .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_consFin_nonPrivStuLoanSvc.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_consFin_nonPvtStuLoanLend.md:chunk-0",
      "title": "non-private student loan lending {#nmlsPG_g_consFin_nonPvtStuLoanLend .glossentry}",
      "content": "# non-private student loan lending \n\nActing as a lender by providing loans to individuals for higher education purposes which are guaranteed by the federal government.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_consFin_nonPvtStuLoanLend.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_consFin_nonPvtStuLoanLend.md",
      "headings": [
        "non-private student loan lending {#nmlsPG_g_consFin_nonPvtStuLoanLend .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_consFin_nonPvtStuLoanLend.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_consFin_pawnBroker.md:chunk-0",
      "title": "pawn brokering {#nmlsPG_g_consFin_pawnBroker .glossentry}",
      "content": "# pawn brokering \n\nActing as a lender by providing money on a deposit or pledge or taking other personal property items into possession as security for money advanced or publicly exhibiting signs that money is to be loaned on things on deposit.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_consFin_pawnBroker.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_consFin_pawnBroker.md",
      "headings": [
        "pawn brokering {#nmlsPG_g_consFin_pawnBroker .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_consFin_pawnBroker.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_consFin_payDayLendOnline.md:chunk-0",
      "title": "payday lending—online {#nmlsPG_g_consFin_payDayLendOnline .glossentry}",
      "content": "# payday lending—online \n\nOver the internet, providing a smaller-dollar unsecured consumer loan, which typically is for a consumer's liquidity and due in a short period of time \\(i.e., generally less than 120 days\\) or payable in a single installment, and includes engaging in a deferred presentment transaction.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_consFin_payDayLendOnline.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_consFin_payDayLendOnline.md",
      "headings": [
        "payday lending—online {#nmlsPG_g_consFin_payDayLendOnline .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_consFin_payDayLendOnline.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_consFin_paydayLendingStore.md:chunk-0",
      "title": "payday lending—storefront {#nmlsPG_g_consFin_paydayLendingStore .glossentry}",
      "content": "# payday lending—storefront \n\nProviding, at any physical location, a smaller-dollar unsecured consumer loan, which typically is for a consumer's liquidity and due in a short period of time \\(i.e., generally less than 120 days\\) or payable in a single installment and includes engaging in a deferred presentment transaction.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_consFin_paydayLendingStore.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_consFin_paydayLendingStore.md",
      "headings": [
        "payday lending—storefront {#nmlsPG_g_consFin_paydayLendingStore .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_consFin_paydayLendingStore.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_consFin_preciousMetalsDealing.md:chunk-0",
      "title": "precious metals dealing {#nmlsPG_g_consFin_preciousMetalsDealing .glossentry}",
      "content": "# precious metals dealing \n\nEngaging in the business of purchasing, selling, or trading articles made of or containing gold, silver, platinum, or other precious metals or jewels.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_consFin_preciousMetalsDealing.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_consFin_preciousMetalsDealing.md",
      "headings": [
        "precious metals dealing {#nmlsPG_g_consFin_preciousMetalsDealing .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_consFin_preciousMetalsDealing.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_consFin_premFinCo.md:chunk-0",
      "title": "premium finance company activities {#nmlsPG_g_consFin_premFinCo .glossentry}",
      "content": "# premium finance company activities \n\nEntering into agreements by which an insured or prospective insured promises to pay to an insurance premium finance company the amount advanced or to be advanced under the agreement to an insurer or to an insurance agent or broker in payment of premiums on an insurance contract together with a service charge.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_consFin_premFinCo.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_consFin_premFinCo.md",
      "headings": [
        "premium finance company activities {#nmlsPG_g_consFin_premFinCo .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_consFin_premFinCo.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_consFin_prepaidFuneral.md:chunk-0",
      "title": "prepaid funeral plan providers {#nmlsPG_g_consFin_prepaidFuneral .glossentry}",
      "content": "# prepaid funeral plan providers \n\nOffering prepaid funeral plans that provide funeral or cemetery merchandise or services.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_consFin_prepaidFuneral.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_consFin_prepaidFuneral.md",
      "headings": [
        "prepaid funeral plan providers {#nmlsPG_g_consFin_prepaidFuneral .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_consFin_prepaidFuneral.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_consFin_propertyTaxLend.md:chunk-0",
      "title": "property tax lending {#nmlsPG_g_consFin_propertyTaxLend .glossentry}",
      "content": "# property tax lending \n\nOffering, negotiating, transacting, making, or servicing an advance of money on behalf of property owners for the purpose of paying property tax payments for which the lender receives a lien on the property allowing the lender to foreclose on the property if the owner defaults on the loan.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_consFin_propertyTaxLend.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_consFin_propertyTaxLend.md",
      "headings": [
        "property tax lending {#nmlsPG_g_consFin_propertyTaxLend .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_consFin_propertyTaxLend.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_consFin_pvtStuLoanAcq.md:chunk-0",
      "title": "private student loan acquisition {#nmlsPG_g_consFin_pvtStuLoanAcq .glossentry}",
      "content": "# private student loan acquisition \n\nPurchasing, taking by assignment, or otherwise acquiring loans made to individuals for higher education purposes which are not guaranteed by the federal government.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_consFin_pvtStuLoanAcq.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_consFin_pvtStuLoanAcq.md",
      "headings": [
        "private student loan acquisition {#nmlsPG_g_consFin_pvtStuLoanAcq .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_consFin_pvtStuLoanAcq.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_consFin_pvtStuLoanLending.md:chunk-0",
      "title": "private student loan lending {#nmlsPG_g_consFin_pvtStuLoanLending .glossentry}",
      "content": "# private student loan lending \n\nActing as a lender by providing loans to individuals for higher education purposes which are not guaranteed by the federal government.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_consFin_pvtStuLoanLending.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_consFin_pvtStuLoanLending.md",
      "headings": [
        "private student loan lending {#nmlsPG_g_consFin_pvtStuLoanLending .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_consFin_pvtStuLoanLending.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_consFin_pvtStuLoanSvc.md:chunk-0",
      "title": "private student loan servicing {#nmlsPG_g_consFin_pvtStuLoanSvc .glossentry}",
      "content": "# private student loan servicing \n\nProviding services which include the receipt and application of borrower payments and other administrative services with respect to loans made to individuals to finance education or other school related expenses which are not guaranteed by the federal government.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_consFin_pvtStuLoanSvc.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_consFin_pvtStuLoanSvc.md",
      "headings": [
        "private student loan servicing {#nmlsPG_g_consFin_pvtStuLoanSvc .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_consFin_pvtStuLoanSvc.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_consFin_refundAnticipationLend.md:chunk-0",
      "title": "refund anticipation lending {#nmlsPG_g_consFin_refundAnticipationLend .glossentry}",
      "content": "# refund anticipation lending \n\nOffering a loan to a taxpayer based on the taxpayer’s anticipated federal income tax refund.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_consFin_refundAnticipationLend.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_consFin_refundAnticipationLend.md",
      "headings": [
        "refund anticipation lending {#nmlsPG_g_consFin_refundAnticipationLend .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_consFin_refundAnticipationLend.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_consFin_rent2Own.md:chunk-0",
      "title": "rent-to-own {#nmlsPG_g_consFin_rent2Own .glossentry}",
      "content": "# rent-to-own \n\nProviding a rental purchase in which property is leased for a payment \\(weekly/monthly\\) with the ability to purchase at some point in time.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_consFin_rent2Own.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_consFin_rent2Own.md",
      "headings": [
        "rent-to-own {#nmlsPG_g_consFin_rent2Own .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_consFin_rent2Own.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_consFin_retailInstallSelling.md:chunk-0",
      "title": "retail installment selling {#nmlsPG_g_consFin_retailInstallSelling .glossentry}",
      "content": "# retail installment selling \n\nSelling or assigning retail installment contracts.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_consFin_retailInstallSelling.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_consFin_retailInstallSelling.md",
      "headings": [
        "retail installment selling {#nmlsPG_g_consFin_retailInstallSelling .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_consFin_retailInstallSelling.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_consFin_salesFinCo-general.md:chunk-0",
      "title": "sales finance company activities—general {#nmlsPG_g_consFin_salesFinCo-general .glossentry}",
      "content": "# sales finance company activities—general \n\nProviding financing to one or more retail buyers or purchasing retail installment contracts from one or more retail sellers in connection with products other than motor vehicles.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_consFin_salesFinCo-general.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_consFin_salesFinCo-general.md",
      "headings": [
        "sales finance company activities—general {#nmlsPG_g_consFin_salesFinCo-general .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_consFin_salesFinCo-general.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_consFin_salesFinCo-motorVeh.md:chunk-0",
      "title": "sales finance company activities—motor vehicles {#nmlsPG_g_consFin_salesFinCo-motorVeh .glossentry}",
      "content": "# sales finance company activities—motor vehicles \n\nProviding financing to one or more retail buyers or purchasing retail installment contracts from one or more retail sellers in connection with motor vehicles.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_consFin_salesFinCo-motorVeh.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_consFin_salesFinCo-motorVeh.md",
      "headings": [
        "sales finance company activities—motor vehicles {#nmlsPG_g_consFin_salesFinCo-motorVeh .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_consFin_salesFinCo-motorVeh.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_consFin_titleLending.md:chunk-0",
      "title": "title lending {#nmlsPG_g_consFin_titleLending .glossentry}",
      "content": "# title lending \n\nProviding a loan to a borrower that is secured by a nonpurchase money security interest in titled personal property.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_consFin_titleLending.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_consFin_titleLending.md",
      "headings": [
        "title lending {#nmlsPG_g_consFin_titleLending .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_consFin_titleLending.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_consolidatdSched.md:chunk-0",
      "title": "consolidated schedules {#nmlsPG_g_consolidatdSched .glossentry}",
      "content": "# consolidated schedules \n\nAudited or unaudited financial statements for a subsidiary as included in the parent company’s consolidated financial statement.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_consolidatdSched.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_consolidatdSched.md",
      "headings": [
        "consolidated schedules {#nmlsPG_g_consolidatdSched .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_consolidatdSched.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_consolidatedFinStmt.md:chunk-0",
      "title": "consolidated financial statement {#nmlsPG_g_consolidatedFinStmt .glossentry}",
      "content": "# consolidated financial statement \n\nAudited financial statements of a group \\(parent and all its subsidiaries\\) presented as those of a single entity.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_consolidatedFinStmt.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_consolidatedFinStmt.md",
      "headings": [
        "consolidated financial statement {#nmlsPG_g_consolidatedFinStmt .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_consolidatedFinStmt.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_control.md:chunk-0",
      "title": "control {#nmlsPG_g_control .glossentry}",
      "content": "# control \n\nThe power, directly or indirectly, to direct the management or policies of a company, whether through ownership of securities, by contract, or otherwise. Any *person* that\n\n-   \\(i\\) is a general partner or executive officer, including Chief Executive Officer, Chief Financial Officer, Chief Operations Officer, Chief Legal Officer, Chief Credit Officer, Chief Compliance Officer, director, and individuals occupying similar positions or performing similar functions;\n-   \\(ii\\) directly or indirectly has the right to vote 10% or more of a class of a voting security or has the power to sell or direct the sale of 10% or more of a class of voting securities;\n-   \\(iii\\) in the case of an LLC, Managing Member; or\n-   \\(iv\\) in the case of a partnership, has the right to receive upon dissolution, or has contributed, 10% or more of the capital, is presumed to control that company.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_control.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_control.md",
      "headings": [
        "control {#nmlsPG_g_control .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_control.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_controlAffiliate.md:chunk-0",
      "title": "control affiliate {#nmlsPG_g_controlAffiliate .glossentry}",
      "content": "# control affiliate \n\nA partnership, corporation, trust, LLC, or other organization that directly or indirectly *controls*, or is *controlled* by, the applicant.\n\nThis includes companies that are “up or down the ownership ladder.” In effect, this requires applicants to only disclose for relationships that go up \\(parent and grandparent\\) or those that go down \\(subsidiary\\) but not for those relationships that go sideways \\(brother and sister\\).\n\nAn applicant or licensee must disclose for companies that “go up” the ownership “ladder” until reaching the last individual owner, a publicly-traded entity, or a bank or bank holding company regulated by a Federal banking regulator, such as the Federal Reserve, the Office of the Comptroller of the Currency \\(OCC\\), the Consumer Financial Protection Bureau \\(CFPB\\) the Federal Deposit Insurance Company \\(FDIC\\), or the National Credit Union Association \\(NCUA\\). No barrier going down the “ladder.”",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_controlAffiliate.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_controlAffiliate.md",
      "headings": [
        "control affiliate {#nmlsPG_g_controlAffiliate .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_controlAffiliate.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_controlPerson.md:chunk-0",
      "title": "control person {#nmlsPG_g_controlPerson .glossentry}",
      "content": "# control person \n\nAn individual \\(natural person\\) named that directly or indirectly exercises control over the applicant\\(see definition of control\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_controlPerson.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_controlPerson.md",
      "headings": [
        "control person {#nmlsPG_g_controlPerson .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_controlPerson.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_debt_activeDebtBuying.md:chunk-0",
      "title": "active debt buying \\(undertakes direct collections on accounts\\) {#nmlsPG_g_debt_activeDebtBuying .glossentry}",
      "content": "# active debt buying \\(undertakes direct collections on accounts\\) \n\nPurchasing debt from another which is in default at the time of purchase or acquisition and undertaking activity to directly collect on the debt.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_debt_activeDebtBuying.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_debt_activeDebtBuying.md",
      "headings": [
        "active debt buying \\(undertakes direct collections on accounts\\) {#nmlsPG_g_debt_activeDebtBuying .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_debt_activeDebtBuying.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_debt_biWeekPmtProc.md:chunk-0",
      "title": "bi-weekly payment processing services {#nmlsPG_g_debt_biWeekPmtProc .glossentry}",
      "content": "# bi-weekly payment processing services \n\nOffering or selling a service which allows a borrower to enter into a repayment plan that requires payments every two weeks to help repay the loan over a shorter amount of time.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_debt_biWeekPmtProc.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_debt_biWeekPmtProc.md",
      "headings": [
        "bi-weekly payment processing services {#nmlsPG_g_debt_biWeekPmtProc .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_debt_biWeekPmtProc.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_debt_collection1stParty.md:chunk-0",
      "title": "first party debt collection {#nmlsPG_g_debt_collection1stParty .glossentry}",
      "content": "# first party debt collection \n\nDirectly or indirectly collecting or receiving payment for your own delinquent accounts, bills, claims, or other indebtedness \\(not including mortgage indebtedness\\).",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_debt_collection1stParty.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_debt_collection1stParty.md",
      "headings": [
        "first party debt collection {#nmlsPG_g_debt_collection1stParty .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_debt_collection1stParty.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_debt_collection_3rdParty.md:chunk-0",
      "title": "third party debt collection {#nmlsPG_g_debt_collection_3rdParty .glossentry}",
      "content": "# third party debt collection \n\nDirectly or indirectly collecting or receiving payment for others of any delinquent account, bill, claim or other indebtedness \\(not including mortgage indebtedness\\).",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_debt_collection_3rdParty.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_debt_collection_3rdParty.md",
      "headings": [
        "third party debt collection {#nmlsPG_g_debt_collection_3rdParty .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_debt_collection_3rdParty.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_debt_creditRepair.md:chunk-0",
      "title": "credit repair {#nmlsPG_g_debt_creditRepair .glossentry}",
      "content": "# credit repair \n\nSelling, providing or performing services to improve any consumer's credit record, credit history or credit rating, or providing advice or assistance to any consumer with regard to their credit record, credit history or credit rating.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_debt_creditRepair.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_debt_creditRepair.md",
      "headings": [
        "credit repair {#nmlsPG_g_debt_creditRepair .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_debt_creditRepair.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_debt_judgmentRecovery.md:chunk-0",
      "title": "judgment recovery {#nmlsPG_g_debt_judgmentRecovery .glossentry}",
      "content": "# judgment recovery \n\nCollecting monies owed by delinquents or defaulting parties under judgments.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_debt_judgmentRecovery.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_debt_judgmentRecovery.md",
      "headings": [
        "judgment recovery {#nmlsPG_g_debt_judgmentRecovery .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_debt_judgmentRecovery.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_debt_loanModsNonMort.md:chunk-0",
      "title": "non-mortgage loan modifications {#nmlsPG_g_debt_loanModsNonMort .glossentry}",
      "content": "# non-mortgage loan modifications \n\nNegotiating, attempting to negotiate, arranging, attempting to arrange, or otherwise offering to perform a non-mortgage loan modification which is defined as a change in one or more of a loan’s terms or conditions.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_debt_loanModsNonMort.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_debt_loanModsNonMort.md",
      "headings": [
        "non-mortgage loan modifications {#nmlsPG_g_debt_loanModsNonMort .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_debt_loanModsNonMort.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_debt_management.md:chunk-0",
      "title": "debt management / credit counseling {#nmlsPG_g_debt_management .glossentry}",
      "content": "# debt management / credit counseling \n\nReceiving money, or offering to receive money, from debtors for application or payment to or prorating of a debt owed to, any creditor or creditors of such debtor; or providing, or offering to provide, counseling or other services to debtors in the management of their debts, or contracting with the debtor to affect the adjustment, compromise, or discharge of any account, note or other indebtedness of the debtor.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_debt_management.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_debt_management.md",
      "headings": [
        "debt management / credit counseling {#nmlsPG_g_debt_management .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_debt_management.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_debt_negotiation.md:chunk-0",
      "title": "debt negotiation {#nmlsPG_g_debt_negotiation .glossentry}",
      "content": "# debt negotiation \n\nActing on behalf of consumer debtors for or with the expectation of a fee, commission, or other valuable consideration to help clear debts by entering into direct negotiations with creditors in order to facilitate the repayment of debts.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_debt_negotiation.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_debt_negotiation.md",
      "headings": [
        "debt negotiation {#nmlsPG_g_debt_negotiation .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_debt_negotiation.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_debt_passiveBuying.md:chunk-0",
      "title": "passive debt buying \\(does not undertake direct collections on accounts\\) {#nmlsPG_g_debt_passiveBuying .glossentry}",
      "content": "# passive debt buying \\(does not undertake direct collections on accounts\\) \n\nPurchasing debt from another which is in default at the time of purchase or acquisition and engaging only in the practice of purchasing delinquent consumer debts for investment purposes without undertaking any activities to directly collect on the debt.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_debt_passiveBuying.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_debt_passiveBuying.md",
      "headings": [
        "passive debt buying \\(does not undertake direct collections on accounts\\) {#nmlsPG_g_debt_passiveBuying .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_debt_passiveBuying.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_debt_repoAgency.md:chunk-0",
      "title": "repossession agency activities {#nmlsPG_g_debt_repoAgency .glossentry}",
      "content": "# repossession agency activities \n\nAny person who through a designated repossession agent engages in business or accepting employment to locate or recover collateral that has been sold under a security agreement or used as security in a loan transaction including any secured party that utilizes its employees to repossess collateral.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_debt_repoAgency.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_debt_repoAgency.md",
      "headings": [
        "repossession agency activities {#nmlsPG_g_debt_repoAgency .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_debt_repoAgency.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_debt_repoAgent.md:chunk-0",
      "title": "repossession agent activities {#nmlsPG_g_debt_repoAgent .glossentry}",
      "content": "# repossession agent activities \n\nAn individual who physically obtains possession of collateral for a secured party and engages in the above noted activity.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_debt_repoAgent.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_debt_repoAgent.md",
      "headings": [
        "repossession agent activities {#nmlsPG_g_debt_repoAgent .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_debt_repoAgent.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_debt_settlement.md:chunk-0",
      "title": "debt settlement / debt adjuster {#nmlsPG_g_debt_settlement .glossentry}",
      "content": "# debt settlement / debt adjuster \n\nFor or with the expectation of a fee, commission or other valuable consideration, entering into an agreement with a debtor agreeing to distribute, supervise, coordinate, negotiate, or control the distribution of money or evidences thereof among one or more of the debtor's creditors in full or partial payment of the obligations of the debtor and including services as an intermediary between a debtor and one or more of the debtor's creditors for the purpose of obtaining concessions.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_debt_settlement.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_debt_settlement.md",
      "headings": [
        "debt settlement / debt adjuster {#nmlsPG_g_debt_settlement .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_debt_settlement.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_disabledAccount.md:chunk-0",
      "title": "disabled account {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7ff6 .glossentry}",
      "content": "# disabled account \n\n-   An individual account associated with a record that has not been accessed by the individual user within 425 days.\n-   A company account administrator or organization user account that has not been accessed for 425 days\n-   An institution account administrator account that has not been accessed for 90 days\n-   An institution organizational user account where the user has CHRI access that has not been accessed for 90 days\n-   An institution organizational user account where the user has no CHRI access that has not been accessed for 425 days\n    -   If a user account is disabled, the System will prompt the user to provide identifying information before access to the account is granted.\n    -   Company accounts can be disabled if the company has not logged in to the account for 120 days or if fraud or suspicious activity on the account is detected.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_disabledAccount.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_disabledAccount.md",
      "headings": [
        "disabled account {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7ff6 .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_disabledAccount.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_dormantAccount.md:chunk-0",
      "title": "dormant account {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7ff5 .glossentry}",
      "content": "# dormant account \n\nCompany accounts do not go dormant.\n\nAn individual account associated with a record that contains no data such as testing and education results, regulatory actions or submitted licensure applications on the record.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_dormantAccount.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_dormantAccount.md",
      "headings": [
        "dormant account {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7ff5 .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_dormantAccount.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_enjoined.md:chunk-0",
      "title": "enjoined {#nmlsPG_g_enjoined .glossentry}",
      "content": "# enjoined \n\nIncludes being subject to a mandatory injunction, prohibitory injunction, preliminary injunction, or a temporary restraining order.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_enjoined.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_enjoined.md",
      "headings": [
        "enjoined {#nmlsPG_g_enjoined .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_enjoined.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_entity.md:chunk-0",
      "title": "entity {#nmlsPG_g_entity .glossentry}",
      "content": "# entity \n\nA company, branch, or an individual with a record in the system.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_entity.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_entity.md",
      "headings": [
        "entity {#nmlsPG_g_entity .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_entity.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_felony.md:chunk-0",
      "title": "felony {#nmlsPG_g_felony .glossentry}",
      "content": "# felony \n\nFor states that do not differentiate between a felony and a misdemeanor, a felony is an offense punishable by a sentence of at least one year imprisonment and/or a fine of at least $1,000.The term also includes a general court martial. If your state already differentiates, use your state’s definition and label.\n\nAn individual on probation would still be required to disclose. Consult state licensing requirements to determine whether an individual on probation for a felony is eligible for licensure in your state.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_felony.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_felony.md",
      "headings": [
        "felony {#nmlsPG_g_felony .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_felony.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_filing.md:chunk-0",
      "title": "filing {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7ff4 .glossentry}",
      "content": "# filing \n\nThe process by which a company or individual completes and submits the appropriate form—such as the Company form \\(MU1\\), Individual form \\(MU2 or MU4\\), or Branch form \\(MU3\\)—to apply for, transition, or surrender a license, or to update information in their record. The term may also encompass the submission of financial statements or call reports within the System.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_filing.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_filing.md",
      "headings": [
        "filing {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7ff4 .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_filing.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_finServices.md:chunk-0",
      "title": "financial services or financial services related {#nmlsPG_g_finServices .glossentry}",
      "content": "# financial services or financial services related \n\nPertaining to securities, commodities, banking, insurance, consumer lending, consumer financial product\\(s\\) or service\\(s\\), money services businesses, consumer debt management or real estate \\(including, but not limited to; acting as or being associated with a bank or savings association, credit union, Farm Credit System institution, mortgage lender, mortgage broker, real estate salesperson or agent, appraiser, closing agent, title company, escrow agent\\) payday lender, money transmitter, check casher, pawnbroker, collection agent, debt management company or title lender.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_finServices.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_finServices.md",
      "headings": [
        "financial services or financial services related {#nmlsPG_g_finServices .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_finServices.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_finStmt.md:chunk-0",
      "title": "financial statement {#nmlsPG_g_finStmt .glossentry}",
      "content": "# financial statement \n\nThe generic reference to a financial statement, either audited or unaudited. The financial statement may contain one or more component: balance sheet, cash- flow statement, statement of income, etc.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_finStmt.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_finStmt.md",
      "headings": [
        "financial statement {#nmlsPG_g_finStmt .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_finStmt.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_finStmtClassification.md:chunk-0",
      "title": "financial statement classification {#nmlsPG_g_finStmtClassification .glossentry}",
      "content": "# financial statement classification \n\nThe type of financial statement required by a state regarding one of the following designations \\(**shown in highest to lowest ranking stringency as they appear in the system**\\):\n\n-   Audited\n-   Unaudited \\(reviewed\\)\n-   Unaudited \\(compiled\\)\n-   Unaudited",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_finStmtClassification.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_finStmtClassification.md",
      "headings": [
        "financial statement classification {#nmlsPG_g_finStmtClassification .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_finStmtClassification.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_finStmtPeriodEnd.md:chunk-0",
      "title": "financial statement period end date {#nmls_PG_g_finStmtPeriodEnd .glossentry}",
      "content": "# financial statement period end date \n\nThe period end date that corresponds to the Financial Statement Filing. This date should correspond to the classification of the financial statement and the Fiscal Year End of the Company.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_finStmtPeriodEnd.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_finStmtPeriodEnd.md",
      "headings": [
        "financial statement period end date {#nmls_PG_g_finStmtPeriodEnd .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_finStmtPeriodEnd.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_finStmtPeriodType.md:chunk-0",
      "title": "financial statement period type {#nmlsPG_g_finStmtPeriodType .glossentry}",
      "content": "# financial statement period type \n\nRepresents the period to which the Financial Statement Filing pertains relative to the Fiscal Year \\(e.g. annual, quarterly or year-to-date\\). The Period Type qualifies the Financial Statement Filing in conjunction with the Fiscal Year.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_finStmtPeriodType.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_finStmtPeriodType.md",
      "headings": [
        "financial statement period type {#nmlsPG_g_finStmtPeriodType .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_finStmtPeriodType.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_financialCondition.md:chunk-0",
      "title": "financial condition {#nmlsPG_g_financialCondition .glossentry}",
      "content": "# financial condition \n\nThe component of an MCR which gathers the filing entity’s financial data at a corporate level. The FC may be Expanded \\(E-FC\\) or Standard \\(S-FC\\).\n\nFinancial Condition \\(FC\\)\n\n## FC",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_financialCondition.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_financialCondition.md",
      "headings": [
        "financial condition {#nmlsPG_g_financialCondition .glossentry}",
        "FC {#glossAlt_zwc_5tf_vdc .glossAlt}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_financialCondition.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_fiscalYear.md:chunk-0",
      "title": "fiscal year {#nmlsPG_g_fiscalYear .glossentry}",
      "content": "# fiscal year \n\nAny 12-month period a company uses for accounting purposes.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_fiscalYear.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_fiscalYear.md",
      "headings": [
        "fiscal year {#nmlsPG_g_fiscalYear .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_fiscalYear.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_fiscalYearEnd.md:chunk-0",
      "title": "fiscal year end {#nmlsPG_g_fiscalYearEnd .glossentry}",
      "content": "# fiscal year end \n\nThe last day of a 12-month accounting period.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_fiscalYearEnd.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_fiscalYearEnd.md",
      "headings": [
        "fiscal year end {#nmlsPG_g_fiscalYearEnd .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_fiscalYearEnd.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_foreignFinRegAuth.md:chunk-0",
      "title": "foreign financial regulatory authority {#nmlsPG_g_foreignFinRegAuth .glossentry}",
      "content": "# foreign financial regulatory authority \n\nIncludes \\(1\\) a *financial services* authority of a foreign country; \\(2\\) other governmental body empowered by a foreign government to administer or enforce its laws relating to the regulation of financial services or financial services related activities; and \\(3\\) a foreign membership organization, a function of which is to regulate the participation of its members in *financial services* activities listed above.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_foreignFinRegAuth.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_foreignFinRegAuth.md",
      "headings": [
        "foreign financial regulatory authority {#nmlsPG_g_foreignFinRegAuth .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_foreignFinRegAuth.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_found.md:chunk-0",
      "title": "found {#nmlsPG_g_found .glossentry}",
      "content": "# found \n\nIncludes:\n\n-   adverse final actions\n-   consent decrees / orders in which the respondent has neither admitted nor denied the findings\n\nDoes not include:\n\n-   agreements\n-   late fees\n-   deficiency letters\n-   examination reports\n-   memoranda of understanding\n-   letters of caution\n-   admonishments, or\n-   similar informal resolutions of matters.\n\n“Settlement” often falls under the “included” category like consent decrees and final actions. However,in jurisdictions that use “settlement” to be synonymous with “agreement” such settlements would fall under the “not included” batch with other agreements. One possibility that may be relevant in determining where a “settlement” fits in your jurisdiction is to the determination of whether it is a public record or not. In this analysis, if it is a public record then it should be included and if it is not a public record, it should not be included.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_found.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_found.md",
      "headings": [
        "found {#nmlsPG_g_found .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_found.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_involved.md:chunk-0",
      "title": "involved {#nmlsPG_g_involved .glossentry}",
      "content": "# involved \n\nIn connection with the Disclosure Questions, the term involved means, doing an act or omission or aiding, abetting, counseling, commanding, inducing, conspiring with, or failing to reasonably supervise another in doing an act or omission.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_involved.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_involved.md",
      "headings": [
        "involved {#nmlsPG_g_involved .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_involved.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_jurisdiction.md:chunk-0",
      "title": "jurisdiction {#nmlsPG_g_jurisdiction .glossentry}",
      "content": "# jurisdiction \n\nA state, the District of Columbia, the Commonwealth of Puerto Rico, or any subdivision or regulatory body thereof.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_jurisdiction.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_jurisdiction.md",
      "headings": [
        "jurisdiction {#nmlsPG_g_jurisdiction .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_jurisdiction.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_keyFinData.md:chunk-0",
      "title": "key financial data {#nmlsPG_g_keyFinData .glossentry}",
      "content": "# key financial data \n\nNumeric values of Assets, Liabilities, and Owners’ Equity to be entered into the system by the company in conjunction with submitting a Financial Statement filing that is classified as an Annual / Initial statement.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_keyFinData.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_keyFinData.md",
      "headings": [
        "key financial data {#nmlsPG_g_keyFinData .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_keyFinData.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_licStatus_approved-Cond.md:chunk-0",
      "title": "Approved-Conditional {#nmlsPG_g_licStatus_approved-Cond .glossentry}",
      "content": "# Approved-Conditional \n\nStatus assigned when the regulator has reviewed the license or transition request and decided to issue a license through NMLS provided certain conditions imposed by the regulator are met. This status may also be used \\(i\\) when a regulator has imposed an increased financial responsibility requirement on the licensee or \\(ii\\) if a licensee is subject to conditions set by an administrative order that do not otherwise restrict their ability to conduct lawful activities under the license.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_licStatus_approved-Cond.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_licStatus_approved-Cond.md",
      "headings": [
        "Approved-Conditional {#nmlsPG_g_licStatus_approved-Cond .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_licStatus_approved-Cond.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_licStatus_approved-Deficient.md:chunk-0",
      "title": "Approved - Deficient {#nmlsPG_g_licStatus_approved-Deficient .glossentry}",
      "content": "# Approved - Deficient \n\nStatus assigned when a regulator determines an entity is entitled to conduct business, but may be required to provide additional documentation/information to the regulator to comply with licensing requirements.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_licStatus_approved-Deficient.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_licStatus_approved-Deficient.md",
      "headings": [
        "Approved - Deficient {#nmlsPG_g_licStatus_approved-Deficient .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_licStatus_approved-Deficient.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_licStatus_approved-Inactive.md:chunk-0",
      "title": "Approved - Inactive {#nmlsPG_g_licStatus_approved-Inactive .glossentry}",
      "content": "# Approved - Inactive \n\nStatus assigned when \\(i\\) the last active sponsorship is removed from a mortgage loan originator license; or \\(ii\\) when an entity or individual informs a regulator \\(outside NMLS\\) that they do not intend to conduct business under the license for a period of time, but will continue to comply with certain licensing requirements in order to retain the license. The status may also apply when a new license applicant is not currently employed as a mortgage loan originator but meets all other licensing requirements. In such cases, the license may be displayed as `Approved Inactive` until sponsorship by a mortgage company is acquired and approved by the regulator. Until sponsored and approved, the individual is prohibited from engaging in the business of a mortgage loan originator. This status also may be used for company licenses if the company is not associated with an approved qualifying individual.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_licStatus_approved-Inactive.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_licStatus_approved-Inactive.md",
      "headings": [
        "Approved - Inactive {#nmlsPG_g_licStatus_approved-Inactive .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_licStatus_approved-Inactive.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_licStatus_approved-failRenew.md:chunk-0",
      "title": "Approved - Failed to Renew {#nmlsPG_g_licStatus_approved-failRenew .glossentry}",
      "content": "# Approved - Failed to Renew \n\nStatus assigned when a licensee with a perpetual license fails to file renewal prior to December 31st.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_licStatus_approved-failRenew.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_licStatus_approved-failRenew.md",
      "headings": [
        "Approved - Failed to Renew {#nmlsPG_g_licStatus_approved-failRenew .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_licStatus_approved-failRenew.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_licStatus_approved-onAppeal.md:chunk-0",
      "title": "Approved – On Appeal {#nmlsPG_g_licStatus_approved-onAppeal .glossentry}",
      "content": "# Approved – On Appeal \n\nStatus assigned when a regulator has taken action to suspend or revoke an approved license, the entity has appeal the decision and the entity is authorized to continue to conduct business while the action is on appeal. This status also may be used if a regulator rejects a renewal request and the licensee appeals the rejection.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_licStatus_approved-onAppeal.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_licStatus_approved-onAppeal.md",
      "headings": [
        "Approved – On Appeal {#nmlsPG_g_licStatus_approved-onAppeal .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_licStatus_approved-onAppeal.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_licStatus_approved-surrenderCXLreq.md:chunk-0",
      "title": "Approved – Surrender / Cancellation Requested {#nmlsPG_g_licStatus_approved-surrenderCXLreq .glossentry}",
      "content": "# Approved – Surrender / Cancellation Requested \n\nStatus assigned when a licensee submits a surrender / cancellation request to a regulator.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_licStatus_approved-surrenderCXLreq.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_licStatus_approved-surrenderCXLreq.md",
      "headings": [
        "Approved – Surrender / Cancellation Requested {#nmlsPG_g_licStatus_approved-surrenderCXLreq .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_licStatus_approved-surrenderCXLreq.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_licStatus_approved.md:chunk-0",
      "title": "Approved {#nmlsPG_g_licStatus_approved .glossentry}",
      "content": "# Approved \n\nStatus assigned when regulator has reviewed the license or transition request and decided to issue a license to the applicant through NMLS.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_licStatus_approved.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_licStatus_approved.md",
      "headings": [
        "Approved {#nmlsPG_g_licStatus_approved .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_licStatus_approved.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_licStatus_denied.md:chunk-0",
      "title": "Denied {#nmlsPG_g_licStatus_denied .glossentry}",
      "content": "# Denied \n\nStatus assigned when regulator has reviewed the license requested and determined that sufficient grounds exist to deny the request. This status may also be used by regulators who deny a renewal request for license.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_licStatus_denied.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_licStatus_denied.md",
      "headings": [
        "Denied {#nmlsPG_g_licStatus_denied .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_licStatus_denied.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_licStatus_denied_onAppeal.md:chunk-0",
      "title": "Denied – On Appeal {#nmlsPG_g_licStatus_denied_onAppeal .glossentry}",
      "content": "# Denied – On Appeal \n\nStatus assigned when regulator has reviewed the license request and determined that sufficient grounds exist to deny the request but applicant has appealed the decision.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_licStatus_denied_onAppeal.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_licStatus_denied_onAppeal.md",
      "headings": [
        "Denied – On Appeal {#nmlsPG_g_licStatus_denied_onAppeal .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_licStatus_denied_onAppeal.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_licStatus_pending-withrawReq.md:chunk-0",
      "title": "Pending - Withdraw Requested {#mlsPG_g_licStatus_pending-withrawReq .glossentry}",
      "content": "# Pending - Withdraw Requested \n\nStatus assigned when the applicant submits a filing to withdraw a license request.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_licStatus_pending-withrawReq.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_licStatus_pending-withrawReq.md",
      "headings": [
        "Pending - Withdraw Requested {#mlsPG_g_licStatus_pending-withrawReq .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_licStatus_pending-withrawReq.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_licStatus_pendingDeficient.md:chunk-0",
      "title": "Pending - Deficient {#nmlsPG_g_licStatus_pendingDeficient .glossentry}",
      "content": "# Pending - Deficient \n\nStatus assigned when regulator has determined documents or information are incomplete or are missing from the license request.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_licStatus_pendingDeficient.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_licStatus_pendingDeficient.md",
      "headings": [
        "Pending - Deficient {#nmlsPG_g_licStatus_pendingDeficient .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_licStatus_pendingDeficient.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_licStatus_pendingDeficient_TA-elig.md:chunk-0",
      "title": "Pending - Deficient \\(Temporary Authority Eligible\\) {#glossentry_zbc_34m_vdc .glossentry}",
      "content": "# Pending - Deficient \\(Temporary Authority Eligible\\) \n\nTemporary Authority to Operate status assigned before Temporary Authority is Active while awaiting CBC results, CHRI review by the regulator, and a sponsorship request.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_licStatus_pendingDeficient_TA-elig.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_licStatus_pendingDeficient_TA-elig.md",
      "headings": [
        "Pending - Deficient \\(Temporary Authority Eligible\\) {#glossentry_zbc_34m_vdc .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_licStatus_pendingDeficient_TA-elig.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_licStatus_pendingDeficient_TA.md:chunk-0",
      "title": "Pending - Deficient \\(Temporary Authority\\) {#nmlsPG_g_licStatus_pendingDeficient_TA .glossentry}",
      "content": "# Pending - Deficient \\(Temporary Authority\\) \n\nTemporary Authority to Operate status assigned when Temporary Authority is Active and CBC requirement has been completed, but there are pending testing & education requirements or active license items.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_licStatus_pendingDeficient_TA.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_licStatus_pendingDeficient_TA.md",
      "headings": [
        "Pending - Deficient \\(Temporary Authority\\) {#nmlsPG_g_licStatus_pendingDeficient_TA .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_licStatus_pendingDeficient_TA.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_licStatus_pendingIncomplete.md:chunk-0",
      "title": "Pending - Incomplete {#nmlsPG_g_licStatus_pendingIncomplete .glossentry}",
      "content": "# Pending - Incomplete \n\nStatus assigned upon submission of a new license request.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_licStatus_pendingIncomplete.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_licStatus_pendingIncomplete.md",
      "headings": [
        "Pending - Incomplete {#nmlsPG_g_licStatus_pendingIncomplete .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_licStatus_pendingIncomplete.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_licStatus_pendingReview.md:chunk-0",
      "title": "Pending - Review {#nmlsPG_g_licStatus_pendingReview .glossentry}",
      "content": "# Pending - Review \n\nStatus assigned once the regulator has received external documents per checklist, completes a preliminary review of new license request and decides to accept the filing for processing. Once the request is placed in this status, the regulator review clocks start.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_licStatus_pendingReview.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_licStatus_pendingReview.md",
      "headings": [
        "Pending - Review {#nmlsPG_g_licStatus_pendingReview .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_licStatus_pendingReview.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_licStatus_pendingReview_TA.md:chunk-0",
      "title": "Pending - Review \\(Temporary Authority\\) {#nmlsPG_g_licStatus_pendingReview_TA .glossentry}",
      "content": "# Pending - Review \\(Temporary Authority\\) \n\nTemporary Authority to Operate status assigned when Temporary Authority is Active, testing & education requirements have been met, and no regulator-set license items exist.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_licStatus_pendingReview_TA.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_licStatus_pendingReview_TA.md",
      "headings": [
        "Pending - Review \\(Temporary Authority\\) {#nmlsPG_g_licStatus_pendingReview_TA .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_licStatus_pendingReview_TA.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_licStatus_preApproved_TA.md:chunk-0",
      "title": "Pre-Approved \\(Temporary Authority\\) {#nmlsPG_g_licStatus_preApproved_TA .glossentry}",
      "content": "# Pre-Approved \\(Temporary Authority\\) \n\nTemporary Authority to Operate status assigned when Temporary Authority is Active and testing & education requirements have not been met, but all other licensing requirements have been met.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_licStatus_preApproved_TA.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_licStatus_preApproved_TA.md",
      "headings": [
        "Pre-Approved \\(Temporary Authority\\) {#nmlsPG_g_licStatus_preApproved_TA .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_licStatus_preApproved_TA.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_licStatus_revoked-onAppeal.md:chunk-0",
      "title": "Revoked – On Appeal {#nmlsPG_g_licStatus_revoked-onAppeal .glossentry}",
      "content": "# Revoked – On Appeal \n\nStatus assigned when a licensee has appealed a regulator’s action to revoke the license.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_licStatus_revoked-onAppeal.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_licStatus_revoked-onAppeal.md",
      "headings": [
        "Revoked – On Appeal {#nmlsPG_g_licStatus_revoked-onAppeal .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_licStatus_revoked-onAppeal.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_licStatus_revoked.md:chunk-0",
      "title": "Revoked {#nmlsPG_g_licStatus_revoked .glossentry}",
      "content": "# Revoked \n\nStatus assigned when a regulator has taken action to revoke the license. Pursuant to federal SAFE legislation, placement of a mortgage loan originator license into this status will render the mortgage loan originator unable to obtain or retain a license to conduct mortgage business in any jurisdiction.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_licStatus_revoked.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_licStatus_revoked.md",
      "headings": [
        "Revoked {#nmlsPG_g_licStatus_revoked .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_licStatus_revoked.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_licStatus_suspended-onAppeal.md:chunk-0",
      "title": "Suspended - On Appeal {#nmlsPG_g_licStatus_suspended-onAppeal .glossentry}",
      "content": "# Suspended - On Appeal \n\nStatus assigned when a licensee has appealed a regulators action to suspend the license.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_licStatus_suspended-onAppeal.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_licStatus_suspended-onAppeal.md",
      "headings": [
        "Suspended - On Appeal {#nmlsPG_g_licStatus_suspended-onAppeal .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_licStatus_suspended-onAppeal.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_licStatus_suspended.md:chunk-0",
      "title": "Suspended {#nmlsPG_g_licStatus_suspended .glossentry}",
      "content": "# Suspended \n\nStatus assigned when a regulator has taken action to suspend the license.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_licStatus_suspended.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_licStatus_suspended.md",
      "headings": [
        "Suspended {#nmlsPG_g_licStatus_suspended .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_licStatus_suspended.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_licStatus_tempCeaseDesist.md:chunk-0",
      "title": "Temporary Cease and Desist {#nmlsPG_g_licStatus_tempCeaseDesist .glossentry}",
      "content": "# Temporary Cease and Desist \n\nStatus assigned when a regulator issues a temporary cease and desist order against the licensee. Respond to and comply with any requirements / restrictions set forth in the order.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_licStatus_tempCeaseDesist.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_licStatus_tempCeaseDesist.md",
      "headings": [
        "Temporary Cease and Desist {#nmlsPG_g_licStatus_tempCeaseDesist .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_licStatus_tempCeaseDesist.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_licStatus_terminated-Expired.md:chunk-0",
      "title": "Terminated - Expired {#nmlsPG_g_licStatus_terminated-Expired .glossentry}",
      "content": "# Terminated - Expired \n\nStatus assigned to a non-perpetual license when entity fails to renew a license by the end of the Reinstatement Period or the jurisdiction’s deadline \\(whichever is earlier\\), marks a license as Do Not Renew or has failed to address outstanding issues with a license that has been suspended.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_licStatus_terminated-Expired.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_licStatus_terminated-Expired.md",
      "headings": [
        "Terminated - Expired {#nmlsPG_g_licStatus_terminated-Expired .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_licStatus_terminated-Expired.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_licStatus_terminated-failToRenew.md:chunk-0",
      "title": "Terminated - Failed to Renew {#nmlsPG_g_licStatus_terminated-failToRenew .glossentry}",
      "content": "# Terminated - Failed to Renew \n\nStatus assigned to a non-perpetual license when a licensee fails to file for renewal prior to December 31st or marks a license as `Do Not Renew`. The licensee is not authorized to conduct business with a license in this status.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_licStatus_terminated-failToRenew.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_licStatus_terminated-failToRenew.md",
      "headings": [
        "Terminated - Failed to Renew {#nmlsPG_g_licStatus_terminated-failToRenew .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_licStatus_terminated-failToRenew.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_licStatus_terminated-orderToSurrender.md:chunk-0",
      "title": "Terminated - Ordered to Surrender {#nmlsPG_g_licStatus_terminated-orderToSurrender .glossentry}",
      "content": "# Terminated - Ordered to Surrender \n\nStatus assigned when a regulator orders a licensee to surrender their license.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_licStatus_terminated-orderToSurrender.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_licStatus_terminated-orderToSurrender.md",
      "headings": [
        "Terminated - Ordered to Surrender {#nmlsPG_g_licStatus_terminated-orderToSurrender .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_licStatus_terminated-orderToSurrender.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_licStatus_terminated-surrenderCXL.md:chunk-0",
      "title": "Terminated – Surrendered / Cancelled {#nmlsPG_g_licStatus_terminated-surrenderCXLr .glossentry}",
      "content": "# Terminated – Surrendered / Cancelled \n\nStatus assigned when a regulator approved a surrender / cancellation request submitted by the licensee.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_licStatus_terminated-surrenderCXL.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_licStatus_terminated-surrenderCXL.md",
      "headings": [
        "Terminated – Surrendered / Cancelled {#nmlsPG_g_licStatus_terminated-surrenderCXLr .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_licStatus_terminated-surrenderCXL.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_licStatus_transitionCXL.md:chunk-0",
      "title": "Transition Cancelled {#nmlsPG_g_licStatus_transitionCXL .glossentry}",
      "content": "# Transition Cancelled \n\nStatus assigned upon submission of a filing request cancellation of a transition request.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_licStatus_transitionCXL.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_licStatus_transitionCXL.md",
      "headings": [
        "Transition Cancelled {#nmlsPG_g_licStatus_transitionCXL .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_licStatus_transitionCXL.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_licStatus_transitionReject.md:chunk-0",
      "title": "Transition Rejected {#nmlsPG_g_licStatus_transitionReject .glossentry}",
      "content": "# Transition Rejected \n\nStatus assigned when a regulator decides not to approve a transition request. Also used by regulators when the incorrect license type is identified for transition.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_licStatus_transitionReject.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_licStatus_transitionReject.md",
      "headings": [
        "Transition Rejected {#nmlsPG_g_licStatus_transitionReject .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_licStatus_transitionReject.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_licStatus_transitionRequested.md:chunk-0",
      "title": "Transition Requested {#nmlsPG_g_licStatus_transitionRequested .glossentry}",
      "content": "# Transition Requested \n\nStatus assigned upon submission of a transition request.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_licStatus_transitionRequested.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_licStatus_transitionRequested.md",
      "headings": [
        "Transition Requested {#nmlsPG_g_licStatus_transitionRequested .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_licStatus_transitionRequested.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_licStatus_withdrawn-AppAbandon.md:chunk-0",
      "title": "Withdrawn – Application Abandoned {#nmlsPG_g_licStatus_withdrawn-AppAbandon .glossentry}",
      "content": "# Withdrawn – Application Abandoned \n\nStatus assigned when the applicant has not responded to regulator requests for additional information within a timely manner.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_licStatus_withdrawn-AppAbandon.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_licStatus_withdrawn-AppAbandon.md",
      "headings": [
        "Withdrawn – Application Abandoned {#nmlsPG_g_licStatus_withdrawn-AppAbandon .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_licStatus_withdrawn-AppAbandon.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_licStatus_withdrawn-VoluntSansLic.md:chunk-0",
      "title": "Withdrawn - Voluntary without Licensure {#nmlsPG_g_licStatus_withdrawn-VoluntSansLic .glossentry}",
      "content": "# Withdrawn - Voluntary without Licensure \n\nStatus assigned upon acceptance of a withdraw request submitted by the applicant.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_licStatus_withdrawn-VoluntSansLic.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_licStatus_withdrawn-VoluntSansLic.md",
      "headings": [
        "Withdrawn - Voluntary without Licensure {#nmlsPG_g_licStatus_withdrawn-VoluntSansLic .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_licStatus_withdrawn-VoluntSansLic.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_licenseItem.md:chunk-0",
      "title": "license item {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7ff3 .glossentry}",
      "content": "# license item \n\nCreated by a regulator to denote a deficiency in a filing or a jurisdictional requirement. A license item may be generated by the System to enforce System-set requirements.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_licenseItem.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_licenseItem.md",
      "headings": [
        "license item {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7ff3 .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_licenseItem.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_misdemeanor.md:chunk-0",
      "title": "misdemeanor {#nmlsPG_g_misdemeanor .glossentry}",
      "content": "# misdemeanor \n\nFor states that do not differentiate between a felony and a misdemeanor, a misdemeanor is an offense punishable by a sentence of less than one year imprisonment and/or a fine of less than $1,000. The term also includes a special court martial. If your state already differentiates, use your state’s definition and label. \\(Also see felony.\\)\n\nCompany Form \\(MU1\\) Disclosure question \\(B\\)\\(1\\) is limited to “a misdemeanor involving: financial services or financial services related or any fraud, false statements or omissions, theft or any wrongful taking of property, bribery, perjury, forgery, counterfeiting, extortion, or a conspiracy to commit any of these offenses\n\nFor purposes of disclosure questions in NMLS omit irrelevant misdemeanors, including, but not limited to, traffic violations, non-fraud related violations, etc.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_misdemeanor.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_misdemeanor.md",
      "headings": [
        "misdemeanor {#nmlsPG_g_misdemeanor .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_misdemeanor.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_moneySvc_billPaying.md:chunk-0",
      "title": "bill paying {#nmlsPG_g_moneySvc_billPaying .glossentry}",
      "content": "# bill paying \n\nTransferring funds from one location to another, by electronic devices or otherwise, for the acceptance of funds for bill payment when the bill payee does not have a contractual agreement with the service provider.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_moneySvc_billPaying.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_moneySvc_billPaying.md",
      "headings": [
        "bill paying {#nmlsPG_g_moneySvc_billPaying .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_moneySvc_billPaying.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_moneySvc_checkCashing.md:chunk-0",
      "title": "check cashing {#nmlsPG_g_moneySvc_checkCashing .glossentry}",
      "content": "# check cashing \n\nAccepting checks or monetary instruments in return for currency or a combination of currency and other monetary instruments or other instruments.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_moneySvc_checkCashing.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_moneySvc_checkCashing.md",
      "headings": [
        "check cashing {#nmlsPG_g_moneySvc_checkCashing .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_moneySvc_checkCashing.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_moneySvc_electronicMoneyTxmt.md:chunk-0",
      "title": "electronic money transmitting {#nmlsPG_g_moneySvc_electronicMoneyTxmt .glossentry}",
      "content": "# electronic money transmitting \n\nAccepting or instructing to be delivered currency, funds, or other value, such as stored value, that substitutes for currency to another location or person by electronic means, such as mobile-to-mobile payments.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_moneySvc_electronicMoneyTxmt.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_moneySvc_electronicMoneyTxmt.md",
      "headings": [
        "electronic money transmitting {#nmlsPG_g_moneySvc_electronicMoneyTxmt .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_moneySvc_electronicMoneyTxmt.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_moneySvc_foreignCurrencyExch.md:chunk-0",
      "title": "foreign currency dealing or exchanging {#nmlsPG_g_moneySvc_foreignCurrencyExch .glossentry}",
      "content": "# foreign currency dealing or exchanging \n\nAccepting the currency, or other monetary instruments, funds or other instruments denominated in the currency, of one or more countries in exchange for the currency, or other monetary instruments, funds, or other instruments denominated in the currency of one or more countries.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_moneySvc_foreignCurrencyExch.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_moneySvc_foreignCurrencyExch.md",
      "headings": [
        "foreign currency dealing or exchanging {#nmlsPG_g_moneySvc_foreignCurrencyExch .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_moneySvc_foreignCurrencyExch.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_moneySvc_issueMoneyOrder.md:chunk-0",
      "title": "issuing money orders {#nmlsPG_g_moneySvc_issueMoneyOrder .glossentry}",
      "content": "# issuing money orders \n\nBeing ultimately responsible for payment of money orders as the drawer of such instruments or a money transmitter that has the obligation to guarantee payment of a money transfer.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_moneySvc_issueMoneyOrder.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_moneySvc_issueMoneyOrder.md",
      "headings": [
        "issuing money orders {#nmlsPG_g_moneySvc_issueMoneyOrder .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_moneySvc_issueMoneyOrder.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_moneySvc_issuePrepaid.md:chunk-0",
      "title": "issuing prepaid access / stored value {#nmlsPG_g_moneySvc_issuePrepaid .glossentry}",
      "content": "# issuing prepaid access / stored value \n\nPrepaid access / stored value is defined as accepting currency, funds or other value that substitutes for currency that has been paid in advance and can be retrieved or transferred at some point in the future through an electronic device or vehicle such as a card, code, electronic serial number, mobile identification number or personal identification number. This may include both “open loop” prepaid access \\(a type of prepaid access that can be used in transactions at any accepting retail location\\) and “closed loop” prepaid access \\(a type of prepaid access that can only be used in transactions involving a defined merchant or location or set of locations\\).",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_moneySvc_issuePrepaid.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_moneySvc_issuePrepaid.md",
      "headings": [
        "issuing prepaid access / stored value {#nmlsPG_g_moneySvc_issuePrepaid .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_moneySvc_issuePrepaid.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_moneySvc_issueTravelCk.md:chunk-0",
      "title": "issuing traveler’s checks {#nmlsPG_g_moneySvc_issueTravelCk .glossentry}",
      "content": "# issuing traveler’s checks \n\nBeing ultimately responsible for payment of traveler’s checks as the drawer of such instruments or a money transmitter that has the obligation to guarantee payment of a money transfer.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_moneySvc_issueTravelCk.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_moneySvc_issueTravelCk.md",
      "headings": [
        "issuing traveler’s checks {#nmlsPG_g_moneySvc_issueTravelCk .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_moneySvc_issueTravelCk.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_moneySvc_issuingDrafts.md:chunk-0",
      "title": "issuing and / or selling drafts {#nmlsPG_g_moneySvc_issuingDrafts .glossentry}",
      "content": "# issuing and / or selling drafts \n\nIssuing and / or selling either a negotiable instrument or non-negotiable instrument denominated in United States or foreign currency.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_moneySvc_issuingDrafts.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_moneySvc_issuingDrafts.md",
      "headings": [
        "issuing and / or selling drafts {#nmlsPG_g_moneySvc_issuingDrafts .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_moneySvc_issuingDrafts.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_moneySvc_payrollProcessing.md:chunk-0",
      "title": "payroll processing services {#nmlsPG_g_moneySvc_payrollProcessing .glossentry}",
      "content": "# payroll processing services \n\nReceiving money for transmission pursuant to a contract with a person to deliver wages or salaries, make payment or payroll taxes to state and federal agencies, make payments relating to employee benefits plans, or make distributions of other authorized deductions from wages or salaries. The definition does not include an employer performing payroll processing services on its own behalf or on behalf of its affiliate, or a professional employment organization subject to regulation under other applicable state law.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_moneySvc_payrollProcessing.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_moneySvc_payrollProcessing.md",
      "headings": [
        "payroll processing services {#nmlsPG_g_moneySvc_payrollProcessing .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_moneySvc_payrollProcessing.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_moneySvc_sellMoneyOrder.md:chunk-0",
      "title": "selling money orders {#nmlsPG_g_moneySvc_sellMoneyOrder .glossentry}",
      "content": "# selling money orders \n\nOperating a business that money order issuers authorize, through written agreement or otherwise, to sell the issuer’s money orders or send and receive the issuers transfer services.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_moneySvc_sellMoneyOrder.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_moneySvc_sellMoneyOrder.md",
      "headings": [
        "selling money orders {#nmlsPG_g_moneySvc_sellMoneyOrder .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_moneySvc_sellMoneyOrder.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_moneySvc_sellPrePaid.md:chunk-0",
      "title": "selling prepaid access / stored value {#nmlsPG_g_moneySvc_sellPrePaid .glossentry}",
      "content": "# selling prepaid access / stored value \n\nPrepaid access / stored value is defined as accepting currency, funds or other value that substitutes for currency that has been paid in advance and can be retrieved or transferred at some point in the future through an electronic device or vehicle such as a card, code, electronic serial number, mobile identification number or personal identification number. This may include both “open loop” prepaid access \\(a type of prepaid access that can be used in transactions at any accepting retail location\\) and “closed loop” prepaid access \\(a type of prepaid access that can only be used in transactions involving a defined merchant or location or set of locations\\).",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_moneySvc_sellPrePaid.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_moneySvc_sellPrePaid.md",
      "headings": [
        "selling prepaid access / stored value {#nmlsPG_g_moneySvc_sellPrePaid .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_moneySvc_sellPrePaid.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_moneySvc_sellTravelerCk.md:chunk-0",
      "title": "selling traveler’s checks {#nmlsPG_g_moneySvc_sellTravelerCk .glossentry}",
      "content": "# selling traveler’s checks \n\nOperating a business that traveler’s check issuers authorize, through written agreement or otherwise, to sell the issuer’s traveler’s checks or send and receive the issuer’s transfer services.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_moneySvc_sellTravelerCk.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_moneySvc_sellTravelerCk.md",
      "headings": [
        "selling traveler’s checks {#nmlsPG_g_moneySvc_sellTravelerCk .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_moneySvc_sellTravelerCk.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_moneySvc_transportCurrency.md:chunk-0",
      "title": "transporting currency {#nmlsPG_g_moneySvc_transportCurrency .glossentry}",
      "content": "# transporting currency \n\nEngaging in the physically transportation of currency.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_moneySvc_transportCurrency.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_moneySvc_transportCurrency.md",
      "headings": [
        "transporting currency {#nmlsPG_g_moneySvc_transportCurrency .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_moneySvc_transportCurrency.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_moneySvc_virtualCurrencyExch.md:chunk-0",
      "title": "virtual currency exchanging and trading services {#nmlsPG_g_moneySvc_virtualCurrencyExch .glossentry}",
      "content": "# virtual currency exchanging and trading services \n\nBuying and selling virtual currency as a customer business on the company’s own account; providing services allowing for the conversion or exchange of\n\n1.  fiat currency or other value into virtual currency, or\n2.  virtual currency into fiat currency or other value, or\n3.  one form of virtual currency into another form of virtual currency; including offering an online digital currency exchange and/or trading platform.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_moneySvc_virtualCurrencyExch.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_moneySvc_virtualCurrencyExch.md",
      "headings": [
        "virtual currency exchanging and trading services {#nmlsPG_g_moneySvc_virtualCurrencyExch .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_moneySvc_virtualCurrencyExch.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_mort_2ndMortBroker.md:chunk-0",
      "title": "second mortgage brokering {#nmlsPG_g_mort_2ndMortBroker .glossentry}",
      "content": "# second mortgage brokering \n\nProviding the service of bringing borrowers and lenders together and assisting in negotiating a mortgage loan that has subordinate rights to a first mortgage.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_mort_2ndMortBroker.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_mort_2ndMortBroker.md",
      "headings": [
        "second mortgage brokering {#nmlsPG_g_mort_2ndMortBroker .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_mort_2ndMortBroker.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_mort_2ndMortLending.md:chunk-0",
      "title": "second mortgage lending {#nmlsPG_g_mort_2ndMortLending .glossentry}",
      "content": "# second mortgage lending \n\nActing as a lender or creditor by offering to provide funds to a borrower for a mortgage loan that has subordinate rights to a first mortgage.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_mort_2ndMortLending.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_mort_2ndMortLending.md",
      "headings": [
        "second mortgage lending {#nmlsPG_g_mort_2ndMortLending .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_mort_2ndMortLending.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_mort_3rdPartSubLienMortSvc.md:chunk-0",
      "title": "third party subordinate lien mortgage servicing {#nmlsPG_g_mort_3rdPartSubLienMortSvc .glossentry}",
      "content": "# third party subordinate lien mortgage servicing \n\nProviding services for another party that owns the subordinate lien mortgage loan and/or a party that owns the mortgage servicing rights on such a loan, including, but not limited to, the receipt of payments, customer service, escrow administration, investor accounting, collections, loss mitigation, or foreclosures. Third-party servicers, which may be referred to as subservicers, do not own the loan or the mortgage servicing rights associated with the loan. \\(Excluding interim servicing\\).",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_mort_3rdPartSubLienMortSvc.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_mort_3rdPartSubLienMortSvc.md",
      "headings": [
        "third party subordinate lien mortgage servicing {#nmlsPG_g_mort_3rdPartSubLienMortSvc .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_mort_3rdPartSubLienMortSvc.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_mort_3rdPartyMortLoanProc.md:chunk-0",
      "title": "third party mortgage loan processing {#nmlsPG_g_mort_3rdPartyMortLoanProc .glossentry}",
      "content": "# third party mortgage loan processing \n\nCompleting the mortgage loan application and supporting documentation for underwriting for an application your company did not take from the borrower.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_mort_3rdPartyMortLoanProc.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_mort_3rdPartyMortLoanProc.md",
      "headings": [
        "third party mortgage loan processing {#nmlsPG_g_mort_3rdPartyMortLoanProc .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_mort_3rdPartyMortLoanProc.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_mort_3rdPtyFirstMortSvc.md:chunk-0",
      "title": "third party first mortgage servicing {#nmlsPG_g_mort_3rdPtyFirstMortSvc .glossentry}",
      "content": "# third party first mortgage servicing \n\nProviding services for another party that owns the first lien mortgage loan and/or a party that owns the mortgage servicing rights on such a loan, including, but not limited to, the receipt of payments, customer service, escrow administration, investor accounting, collections, loss mitigation, or foreclosures. Third-party servicers, which may be referred to as subservicers, do not own the loan or the mortgage servicing rights associated with the loan. \\(Excluding interim servicing\\).",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_mort_3rdPtyFirstMortSvc.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_mort_3rdPtyFirstMortSvc.md",
      "headings": [
        "third party first mortgage servicing {#nmlsPG_g_mort_3rdPtyFirstMortSvc .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_mort_3rdPtyFirstMortSvc.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_mort_3rdPtyMortLoanUnderwrite.md:chunk-0",
      "title": "third party mortgage loan underwriting {#nmlsPG_g_mort_3rdPtyMortLoanUnderwrite .glossentry}",
      "content": "# third party mortgage loan underwriting \n\nUnderwriting a mortgage loan application and supporting documentation for an application your company did not take from the borrower nor are funding.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_mort_3rdPtyMortLoanUnderwrite.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_mort_3rdPtyMortLoanUnderwrite.md",
      "headings": [
        "third party mortgage loan underwriting {#nmlsPG_g_mort_3rdPtyMortLoanUnderwrite .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_mort_3rdPtyMortLoanUnderwrite.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_mort_appraisalMgtSvc.md:chunk-0",
      "title": "appraisal management services {#nmlsPG_g_mort_appraisalMgtSvc .glossentry}",
      "content": "# appraisal management services \n\nAdministering an appraiser panel, including recruitment, selection, and retention of appraisers; contracting with appraisers to perform appraisals; managing the appraisal process; and/or reviewing the work of appraisers.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_mort_appraisalMgtSvc.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_mort_appraisalMgtSvc.md",
      "headings": [
        "appraisal management services {#nmlsPG_g_mort_appraisalMgtSvc .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_mort_appraisalMgtSvc.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_mort_commBrokeringLending.md:chunk-0",
      "title": "commercial mortgage brokering or lending {#nmlsPG_g_mort_commBrokeringLending .glossentry}",
      "content": "# commercial mortgage brokering or lending \n\nActing as a broker or lender for mortgages secured by real property where the financing is for commercial purposes only.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_mort_commBrokeringLending.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_mort_commBrokeringLending.md",
      "headings": [
        "commercial mortgage brokering or lending {#nmlsPG_g_mort_commBrokeringLending .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_mort_commBrokeringLending.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_mort_credInsSvc.md:chunk-0",
      "title": "credit insurance services {#nmlsPG_g_mort_credInsSvc .glossentry}",
      "content": "# credit insurance services \n\nOffering or selling an insurance policy to a borrower that pays off one or more existing debts secured by real property in the event of death, disability, or unemployment.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_mort_credInsSvc.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_mort_credInsSvc.md",
      "headings": [
        "credit insurance services {#nmlsPG_g_mort_credInsSvc .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_mort_credInsSvc.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_mort_firstMortBrokering.md:chunk-0",
      "title": "first mortgage brokering {#nmlsPG_g_mort_firstMortBrokering .glossentry}",
      "content": "# first mortgage brokering \n\nProviding the service of bringing borrowers and lenders together and assisting in negotiating a mortgage loan that gives the mortgagee a security right over all other mortgages of the mortgaged property.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_mort_firstMortBrokering.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_mort_firstMortBrokering.md",
      "headings": [
        "first mortgage brokering {#nmlsPG_g_mort_firstMortBrokering .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_mort_firstMortBrokering.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_mort_firstMortLend.md:chunk-0",
      "title": "first mortgage lending {#nmlsPG_g_mort_firstMortLend .glossentry}",
      "content": "# first mortgage lending \n\nActing as a lender or creditor by offering to provide funds to a borrower for a mortgage loan that gives the mortgagee a security right over all other mortgages of the mortgaged property.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_mort_firstMortLend.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_mort_firstMortLend.md",
      "headings": [
        "first mortgage lending {#nmlsPG_g_mort_firstMortLend .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_mort_firstMortLend.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_mort_firstMortSvc-WholeLoan.md:chunk-0",
      "title": "first mortgage servicing—whole loan {#xd_d99c432dedc7c0f6--183b063e-1953349a8e8--7ff7 .glossentry}",
      "content": "# first mortgage servicing—whole loan \n\nProviding services including, but not limited to, the receipt of payments, customer service, escrow administration, investor accounting, collections, loss mitigation, or foreclosures for first lien mortgage loans which the company wholly owns. \\(Excluding interim servicing\\).",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_mort_firstMortSvc-WholeLoan.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_mort_firstMortSvc-WholeLoan.md",
      "headings": [
        "first mortgage servicing—whole loan {#xd_d99c432dedc7c0f6--183b063e-1953349a8e8--7ff7 .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_mort_firstMortSvc-WholeLoan.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_mort_firstMortSvc.md:chunk-0",
      "title": "first mortgage servicing—MSR {#nmlsPG_g_mort_firstMortSvc .glossentry}",
      "content": "# first mortgage servicing—MSR \n\nProviding services including, but not limited to, the receipt of payments, customer service, escrow administration, investor accounting, collections, loss mitigation, or foreclosures for first lien mortgage loans for which the company owns the servicing rights. \\(Excluding interim servicing\\).",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_mort_firstMortSvc.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_mort_firstMortSvc.md",
      "headings": [
        "first mortgage servicing—MSR {#nmlsPG_g_mort_firstMortSvc .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_mort_firstMortSvc.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_mort_foreclosureConsult.md:chunk-0",
      "title": "foreclosure consulting / foreclosure rescue {#nmlsPG_g_mort_foreclosureConsult .glossentry}",
      "content": "# foreclosure consulting / foreclosure rescue \n\nDirectly or indirectly making a solicitation, representation or offer to a homeowner to perform, for or with the intent to receive compensation from or on behalf of the homeowner, a service that the solicitation, representation or offer indicates will accomplish one or more of the following:\n\n1.  Prevent, postpone or stop a foreclosure sale.\n2.  Obtain forbearance from a beneficiary or mortgagee.\n3.  Assist the homeowner in exercising a right of redemption.\n4.  Obtain an extension of the period within which the homeowner may reinstate the homeowner's obligation.\n5.  Obtain the waiver of an acceleration clause that is:\n    1.  Containedin a promissory note or contract; and\n    2.  Securedby or contained in a deed of trust for, or mortgage on, a residence in foreclosure or in default.\n6.  Assist the homeowner in obtaining a loan or advance of funds.\n\nAvoid or ameliorate an impairment of the homeowner's credit resulting from a recorded notice of foreclosure or default.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_mort_foreclosureConsult.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_mort_foreclosureConsult.md",
      "headings": [
        "foreclosure consulting / foreclosure rescue {#nmlsPG_g_mort_foreclosureConsult .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_mort_foreclosureConsult.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_mort_highCostLoanBroker.md:chunk-0",
      "title": "high cost home loans – broker {#nmlsPG_g_mort_highCostLoanBroker .glossentry}",
      "content": "# high cost home loans – broker \n\nActing as a broker on a loan which meets the definition of a high cost home loan under state or federal law.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_mort_highCostLoanBroker.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_mort_highCostLoanBroker.md",
      "headings": [
        "high cost home loans – broker {#nmlsPG_g_mort_highCostLoanBroker .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_mort_highCostLoanBroker.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_mort_highCostLoanLender.md:chunk-0",
      "title": "high cost home loans – lender {#nmlsPG_g_mort_highCostLoanLender .glossentry}",
      "content": "# high cost home loans – lender \n\nActing as a lender on a loan which meets the definition of a high cost home loan under state or federal law.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_mort_highCostLoanLender.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_mort_highCostLoanLender.md",
      "headings": [
        "high cost home loans – lender {#nmlsPG_g_mort_highCostLoanLender .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_mort_highCostLoanLender.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_mort_homeEqBroker.md:chunk-0",
      "title": "home equity lending/lines of credit—broker {#nmlsPG_g_mort_homeEqBroker .glossentry}",
      "content": "# home equity lending/lines of credit—broker \n\nActing as a broker for an open-end loan, usually recorded as a second mortgage, that permits borrowers to obtain cash advances on an approved line of credit.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_mort_homeEqBroker.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_mort_homeEqBroker.md",
      "headings": [
        "home equity lending/lines of credit—broker {#nmlsPG_g_mort_homeEqBroker .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_mort_homeEqBroker.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_mort_homeEqLender.md:chunk-0",
      "title": "home equity lending/lines of credit—lender {#nmlsPG_g_mort_homeEqLender .glossentry}",
      "content": "# home equity lending/lines of credit—lender \n\nActing as a lender for an open-end loan, usually recorded as a second mortgage, that permits borrowers to obtain cash advances on an approved line of credit.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_mort_homeEqLender.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_mort_homeEqLender.md",
      "headings": [
        "home equity lending/lines of credit—lender {#nmlsPG_g_mort_homeEqLender .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_mort_homeEqLender.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_mort_leadGeneration.md:chunk-0",
      "title": "lead generation {#nmlsPG_g_mort_leadGeneration .glossentry}",
      "content": "# lead generation \n\nLoan solicitation without origination.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_mort_leadGeneration.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_mort_leadGeneration.md",
      "headings": [
        "lead generation {#nmlsPG_g_mort_leadGeneration .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_mort_leadGeneration.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_mort_loanMods.md:chunk-0",
      "title": "mortgage loan modifications {#nmlsPG_g_mort_loanMods .glossentry}",
      "content": "# mortgage loan modifications \n\nNegotiating, attempting to negotiate, arranging, attempting to arrange, or otherwise offering to perform a mortgage loan modification which is defined as a change in one or more of a loan’s terms or conditions.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_mort_loanMods.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_mort_loanMods.md",
      "headings": [
        "mortgage loan modifications {#nmlsPG_g_mort_loanMods .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_mort_loanMods.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_mort_loanPurchasing.md:chunk-0",
      "title": "mortgage loan purchasing {#nmlsPG_g_mort_nmlsPG_g_mort_loanPurchasing .glossentry}",
      "content": "# mortgage loan purchasing \n\nPurchasing closed mortgages \\(that are not currently in default\\) with the intent to service or resell to others.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_mort_loanPurchasing.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_mort_loanPurchasing.md",
      "headings": [
        "mortgage loan purchasing {#nmlsPG_g_mort_nmlsPG_g_mort_loanPurchasing .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_mort_loanPurchasing.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_mort_masterSvc.md:chunk-0",
      "title": "master servicing—MSR {#nmlsPG_g_mort_masterSvc .glossentry}",
      "content": "# master servicing—MSR \n\nOwning mortgage servicing rights and contracting with a third-party servicer to manage the receipt of payments, customer service, escrow administration, investor accounting, collections, loss mitigation, or foreclosures related to these servicing rights. \\(Excluding interim servicing\\).",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_mort_masterSvc.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_mort_masterSvc.md",
      "headings": [
        "master servicing—MSR {#nmlsPG_g_mort_masterSvc .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_mort_masterSvc.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_mort_masterSvc_wholeLoan.md:chunk-0",
      "title": "master servicing—whole loan {#xd_e7b8bbbad0d33e28--46a72bf9-195575e9272--7ffd .glossentry}",
      "content": "# master servicing—whole loan \n\nOwning the whole loan and contracting with a third-party servicer to manage the receipt of payments, customer service, escrow administration, investor accounting, collections, loss mitigation, or foreclosures related to wholly owned loans. \\(Excluding interim servicing\\).",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_mort_masterSvc_wholeLoan.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_mort_masterSvc_wholeLoan.md",
      "headings": [
        "master servicing—whole loan {#xd_e7b8bbbad0d33e28--46a72bf9-195575e9272--7ffd .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_mort_masterSvc_wholeLoan.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_mort_mfgHouseFinBroker.md:chunk-0",
      "title": "manufactured housing financing—broker {#nmlsPG_g_mort_mfgHouseFinBroker .glossentry}",
      "content": "# manufactured housing financing—broker \n\nActing as a broker in financing of a dwelling unit that is constructed off-site before moving to the set location where the property would reside.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_mort_mfgHouseFinBroker.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_mort_mfgHouseFinBroker.md",
      "headings": [
        "manufactured housing financing—broker {#nmlsPG_g_mort_mfgHouseFinBroker .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_mort_mfgHouseFinBroker.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_mort_mfgHouseFinLender.md:chunk-0",
      "title": "manufactured housing financing—lender {#nmlsPG_g_mort_mfgHouseFinLender .glossentry}",
      "content": "# manufactured housing financing—lender \n\nActing as a lender in financing of a dwelling unit that is constructed off-site before moving to the set location where the property would reside.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_mort_mfgHouseFinLender.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_mort_mfgHouseFinLender.md",
      "headings": [
        "manufactured housing financing—lender {#nmlsPG_g_mort_mfgHouseFinLender .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_mort_mfgHouseFinLender.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_mort_revMortBroker.md:chunk-0",
      "title": "reverse mortgage brokering {#nmlsPG_g_mort_revMortBroker .glossentry}",
      "content": "# reverse mortgage brokering \n\nActing as a broker for a loan secured by a lien on residential real estate in which the homeowner is not required to make payments on the loan until a specific event occurs \\(e.g., homeowner ceases to reside in the property\\).",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_mort_revMortBroker.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_mort_revMortBroker.md",
      "headings": [
        "reverse mortgage brokering {#nmlsPG_g_mort_revMortBroker .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_mort_revMortBroker.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_mort_revMortLending.md:chunk-0",
      "title": "reverse mortgage lending {#nmlsPG_g_mort_revMortLending .glossentry}",
      "content": "# reverse mortgage lending \n\nActing as a lender for a loan secured by a lien on residential real estate in which the homeowner is not required to make payments on the loan until a specific event occurs \\(e.g., homeowner ceases to reside in the property\\).",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_mort_revMortLending.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_mort_revMortLending.md",
      "headings": [
        "reverse mortgage lending {#nmlsPG_g_mort_revMortLending .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_mort_revMortLending.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_mort_revMortSvc.md:chunk-0",
      "title": "reverse mortgage servicing {#nmlsPG_g_mort_revMortSvc .glossentry}",
      "content": "# reverse mortgage servicing \n\nActing as a servicer for a loan secured by a lien on residential real estate in which the homeowner is not required to make payments on the loan until a specific event occurs \\(e.g., homeowner ceases to reside in the property\\).",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_mort_revMortSvc.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_mort_revMortSvc.md",
      "headings": [
        "reverse mortgage servicing {#nmlsPG_g_mort_revMortSvc .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_mort_revMortSvc.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_mort_shortSale.md:chunk-0",
      "title": "short sale {#nmlsPG_g_mort_shortSale .glossentry}",
      "content": "# short sale \n\nMaking or facilitating a sale of residential property for an amount that is less than the remaining amount due on the loan that the residential property secures.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_mort_shortSale.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_mort_shortSale.md",
      "headings": [
        "short sale {#nmlsPG_g_mort_shortSale .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_mort_shortSale.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_mort_subLienMortSvc.md:chunk-0",
      "title": "subordinate lien servicing—MSR {#nmlsPG_g_mort_subLienMortSvc .glossentry}",
      "content": "# subordinate lien servicing—MSR \n\nProviding services including, but not limited to, the receipt of payments, customer service, escrow administration, investor accounting, collections, loss mitigation, or foreclosures for subordinate lien mortgage loans for which the company owns the servicing rights. \\(Excluding interim servicing\\).",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_mort_subLienMortSvc.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_mort_subLienMortSvc.md",
      "headings": [
        "subordinate lien servicing—MSR {#nmlsPG_g_mort_subLienMortSvc .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_mort_subLienMortSvc.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_mort_subLienMortSvc_wholeLoan.md:chunk-0",
      "title": "subordinate lien servicing—whole loan {#xd_e7b8bbbad0d33e28--46a72bf9-195575e9272--7ffc .glossentry}",
      "content": "# subordinate lien servicing—whole loan \n\nProviding services including, but not limited to, the receipt of payments, customer service, escrow administration, investor accounting, collections, loss mitigation, or foreclosures for subordinate lien mortgage loans which the company wholly owns. \\(Excluding interim servicing\\).",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_mort_subLienMortSvc_wholeLoan.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_mort_subLienMortSvc_wholeLoan.md",
      "headings": [
        "subordinate lien servicing—whole loan {#xd_e7b8bbbad0d33e28--46a72bf9-195575e9272--7ffc .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_mort_subLienMortSvc_wholeLoan.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_netWorth.md:chunk-0",
      "title": "net worth \\(owner's equity\\) {#nmlsPG_g_netWorth .glossentry}",
      "content": "# net worth \\(owner's equity\\) \n\nThe amount by which assets exceed liabilities calculated according to Generally Accepted Accounting Principles \\(GAAP\\).",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_netWorth.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_netWorth.md",
      "headings": [
        "net worth \\(owner's equity\\) {#nmlsPG_g_netWorth .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_netWorth.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_order.md:chunk-0",
      "title": "order {#nmlsPG_g_order .glossentry}",
      "content": "# order \n\nA written directive issued pursuant to statutory authority and procedures, including orders of denial, suspension, or revocation; does not include special stipulations, undertakings or agreements relating to payments, limitations on activity, or other restrictions unless they are included in an order.\n\nOrders include temporary and permanent Cease and Desist Orders.\n\nOrders that must be disclosed are limited in Disclosure Question \\(C\\)\\(4\\) to orders directed to applicant or control affiliate. See definitions of control affiliate to understand the extent of required disclosures in this regard.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_order.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_order.md",
      "headings": [
        "order {#nmlsPG_g_order .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_order.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_person.md:chunk-0",
      "title": "person {#nmlsPG_g_person .glossentry}",
      "content": "# person \n\nAn individual, partnership, corporation, trust, LLC or other organization.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_person.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_person.md",
      "headings": [
        "person {#nmlsPG_g_person .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_person.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_proceeding.md:chunk-0",
      "title": "proceeding {#nmlsPG_g_proceeding .glossentry}",
      "content": "# proceeding \n\nIncludes a formal administrative or civil action initiated by a governmental agency, self-regulatory organization, or a foreign financial regulatory authority; a felony criminal indictment or information \\(or equivalent formal charge\\); or a misdemeanor criminal information \\(or equivalent formal charge\\). The term does not include other civil litigation, investigations, or arrests or similar charges affected in the absence of a formal criminal indictment or information \\(or equivalent formal charge\\).",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_proceeding.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_proceeding.md",
      "headings": [
        "proceeding {#nmlsPG_g_proceeding .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_proceeding.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_qualifiedIndividual.md:chunk-0",
      "title": "qualifying individual {#nmlsPG_g_qualifiedIndividual .glossentry}",
      "content": "# qualifying individual \n\nA person that must meet certain requirements and is responsible for the actions of the company. Different terms are used in different states, such as Qualified Person in Charge or Managing Principal. The individual may be the branch manager in some cases if they meet the state’s requirements.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_qualifiedIndividual.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_qualifiedIndividual.md",
      "headings": [
        "qualifying individual {#nmlsPG_g_qualifiedIndividual .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_qualifiedIndividual.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_record.md:chunk-0",
      "title": "record {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7ff2 .glossentry}",
      "content": "# record \n\nEach company, branch and individual have a unique record in the System. A record is completed by submitting the information shown on the Company Form \\(MU1\\), Individual Form \\(MU2\\), Branch Form \\(MU3\\), or Individual Licensing Form \\(MU4\\), and any accompanying documents. A record may include supervisory information, including documents or other items collected during an examination, investigation or consumer complaint handling.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_record.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_record.md",
      "headings": [
        "record {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7ff2 .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_record.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_relationship.md:chunk-0",
      "title": "relationship {#nmlsPG_g_relationship .glossentry}",
      "content": "# relationship \n\nA company’s indication that the individual being employed by the company or having a contract to work for the company. It represents the relationship between the company and the individual and does not require approval by any regulator.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_relationship.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_relationship.md",
      "headings": [
        "relationship {#nmlsPG_g_relationship .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_relationship.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_selfRegulatoryOrg.md:chunk-0",
      "title": "self regulatory organization {#nmlsPG_g_selfRegulatoryOrg .glossentry}",
      "content": "# self regulatory organization \n\nNon-governmental organization that has the authority or power to create and enforce industry regulations and standards.\n\nSelf Regulatory Organization \\(SRO\\)\n\n## SRO",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_selfRegulatoryOrg.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_selfRegulatoryOrg.md",
      "headings": [
        "self regulatory organization {#nmlsPG_g_selfRegulatoryOrg .glossentry}",
        "SRO {#glossAlt_xph_r3f_vdc .glossAlt}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_selfRegulatoryOrg.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_settlementSvc.md:chunk-0",
      "title": "settlement services {#nmlsPG_g_settlementSvc .glossentry}",
      "content": "# settlement services \n\nThe same as defined in the federal **Real Estate Settlement Procedures Act \\(RESPA\\)** 12 U.S.C Sec. 2601 et seq., Regulation X, 24 C.F.R Part 3500 et seq including:\n\n-   Title searches\n-   Title examinations\n-   The provision of title certificates\n-   Title insurance\n-   Services rendered by an attorney\n-   Preparation of documents\n-   Property surveys\n-   The rendering of credit reports or appraisals\n-   Pest and fungus inspections\n    -   Services rendered by a real estate agent or broker\n    -   The origination of a federally related mortgage loan \\(including, but not limited to, the taking of loan applications, loan processing, and the underwriting and funding of loans\\)\n    -   The handling of the processing and closing or settlement.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_settlementSvc.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_settlementSvc.md",
      "headings": [
        "settlement services {#nmlsPG_g_settlementSvc .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_settlementSvc.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_sponsorship.md:chunk-0",
      "title": "sponsorship {#nmlsPG_g_sponsorship .glossentry}",
      "content": "# sponsorship \n\nA company’s indication that the individual will conduct business under a specific license / registration for the company. Only a company user may request sponsorship of the individual’s license\\(s\\) and the company must already have an established relationship with the individual in the system. License sponsorship must be approved by the regulator.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_sponsorship.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_sponsorship.md",
      "headings": [
        "sponsorship {#nmlsPG_g_sponsorship .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_sponsorship.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_stateRegAction.md:chunk-0",
      "title": "state regulatory action {#nmlsPG_g_stateRegAction .glossentry}",
      "content": "# state regulatory action \n\nAn action that includes public disciplinary and enforcement regulatory actions brought against a Company, Individual and posted by a state regulator in NMLS.\n\nState Regulatory Action \\(SRA\\)\n\n## SRA",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_stateRegAction.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_stateRegAction.md",
      "headings": [
        "state regulatory action {#nmlsPG_g_stateRegAction .glossentry}",
        "SRA {#glossAlt_mgb_dmf_vdc .glossAlt}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_stateRegAction.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_tempAuthority.md:chunk-0",
      "title": "temporary authority to operate {#nmlsPG_g_tempAuthority .glossentry}",
      "content": "# temporary authority to operate \n\nTemporary Authority to act as a loan originator permits:\n\n-   1\\) qualified MLOs who are changing employment from a depository institution to a state-licensed mortgage company, and\n-   2\\) qualified state-licensed MLOs seeking licensure in another state, to originate loans while completing any state-specific requirements for licensure such as education or testing.\n\nTemporary Authority to Operate \\(TA\\)\n\n## TA",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_tempAuthority.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_tempAuthority.md",
      "headings": [
        "temporary authority to operate {#nmlsPG_g_tempAuthority .glossentry}",
        "TA {#glossAlt_ov5_3sf_vdc .glossAlt}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_tempAuthority.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_transition.md:chunk-0",
      "title": "transition {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7ff1 .glossentry}",
      "content": "# transition \n\nThe submission of a license request by an existing licensee, whose license is being managed outside NMLS, is being transferred to NMLS by the state regulator.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_transition.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_transition.md",
      "headings": [
        "transition {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7ff1 .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_transition.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_trustAcount.md:chunk-0",
      "title": "trust account {#nmlsPG_g_trustAcount .glossentry}",
      "content": "# trust account \n\nA fiduciary arrangement whereby funds or assets are held for the benefit of another party.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_trustAcount.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_trustAcount.md",
      "headings": [
        "trust account {#nmlsPG_g_trustAcount .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_trustAcount.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_unauditedCompiledFinStmt.md:chunk-0",
      "title": "unaudited \\(compiled\\) financial statement {#nmlsPG_g_unauditedCompiledFinStmt .glossentry}",
      "content": "# unaudited \\(compiled\\) financial statement \n\nAn unaudited financial statement for which the financial data has been assembled by a CPA or equivalent but not reviewed for accuracy.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_unauditedCompiledFinStmt.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_unauditedCompiledFinStmt.md",
      "headings": [
        "unaudited \\(compiled\\) financial statement {#nmlsPG_g_unauditedCompiledFinStmt .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_unauditedCompiledFinStmt.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_unauditedFinStmt.md:chunk-0",
      "title": "unaudited financial statement {#nmlsPG_g_unauditedFinStmt .glossentry}",
      "content": "# unaudited financial statement \n\nOne or more components of a financial statement \\(balance sheet, cash flow statement, income statement\\) that has not been audited.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_unauditedFinStmt.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_unauditedFinStmt.md",
      "headings": [
        "unaudited financial statement {#nmlsPG_g_unauditedFinStmt .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_unauditedFinStmt.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_unauditedReviewedFinStmt.md:chunk-0",
      "title": "unaudited \\(reviewed\\) financial statement {#nmlsPG_g_unauditedReviewedFinStmt .glossentry}",
      "content": "# unaudited \\(reviewed\\) financial statement \n\nAn unaudited financial statement for which the financial data has been reviewed for accuracy by a CPA or equivalent.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_unauditedReviewedFinStmt.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_unauditedReviewedFinStmt.md",
      "headings": [
        "unaudited \\(reviewed\\) financial statement {#nmlsPG_g_unauditedReviewedFinStmt .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_unauditedReviewedFinStmt.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_unsubmittedFiling.md:chunk-0",
      "title": "unsubmitted filing {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7ff0 .glossentry}",
      "content": "# unsubmitted filing \n\nA filing that is in a pending status because an individual or company user has not submitted the application or new information to a state agency through the System.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_unsubmittedFiling.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmlsPG_g_unsubmittedFiling.md",
      "headings": [
        "unsubmitted filing {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7ff0 .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmlsPG_g_unsubmittedFiling.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmls_PG_g_account.md:chunk-0",
      "title": "account {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7ff8 .glossentry}",
      "content": "# account \n\nAn account is the vehicle through which a user accesses their record in the System.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmls_PG_g_account.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmls_PG_g_account.md",
      "headings": [
        "account {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7ff8 .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmls_PG_g_account.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmls_PG_g_mort_interimServicing.md:chunk-0",
      "title": "interim servicing {#xd_657408e56410f05e--6f0da9ba-1972c0b014e--7ffc .glossentry}",
      "content": "# interim servicing \n\nCollecting a limited number of contractual mortgage payments immediately after origination on loans held for sale but prior to the loans being sold into the secondary market for a period generally not to exceed 120 calendar days.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmls_PG_g_mort_interimServicing.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmls_PG_g_mort_interimServicing.md",
      "headings": [
        "interim servicing {#xd_657408e56410f05e--6f0da9ba-1972c0b014e--7ffc .glossentry}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmls_PG_g_mort_interimServicing.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmls_pg_businessActDefs_MSB.md:chunk-0",
      "title": "Money Services {#nmls_pg_businessActDefs_MSB .glossgroup}",
      "content": "# Money Services \n\n**Parent topic:**Business Activities Definitions\n\n## bill paying \n\nTransferring funds from one location to another, by electronic devices or otherwise, for the acceptance of funds for bill payment when the bill payee does not have a contractual agreement with the service provider.\n\n## check cashing \n\nAccepting checks or monetary instruments in return for currency or a combination of currency and other monetary instruments or other instruments.\n\n## electronic money transmitting \n\nAccepting or instructing to be delivered currency, funds, or other value, such as stored value, that substitutes for currency to another location or person by electronic means, such as mobile-to-mobile payments.\n\n## foreign currency dealing or exchanging \n\nAccepting the currency, or other monetary instruments, funds or other instruments denominated in the currency, of one or more countries in exchange for the currency, or other monetary instruments, funds, or other instruments denominated in the currency of one or more countries.\n\n## issuing and / or selling drafts \n\nIssuing and / or selling either a negotiable instrument or non-negotiable instrument denominated in United States or foreign currency.\n\n## issuing money orders \n\nBeing ultimately responsible for payment of money orders as the drawer of such instruments or a money transmitter that has the obligation to guarantee payment of a money transfer.\n\n## issuing prepaid access / stored value \n\nPrepaid access / stored value is defined as accepting currency, funds or other value that substitutes for currency that has been paid in advance and can be retrieved or transferred at some point in the future through an electronic device or vehicle such as a card, code, electronic serial number, mobile identification number or personal identification number. This may include both “open loop” prepaid access \\(a type of prepaid access that can be used in transactions at any accepting retail location\\) and “closed loop” prepaid access",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmls_pg_businessActDefs_MSB.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmls_pg_businessActDefs_MSB.md",
      "headings": [
        "Money Services {#nmls_pg_businessActDefs_MSB .glossgroup}",
        "bill paying {#id_pxx_5v4_12c}",
        "check cashing {#id_ryk_bw4_12c}",
        "electronic money transmitting {#id_fmv_3w4_12c}",
        "foreign currency dealing or exchanging {#id_u5w_bgp_12c}",
        "issuing and / or selling drafts {#id_e1g_ygp_12c}",
        "issuing money orders {#id_q55_jjp_12c}",
        "issuing prepaid access / stored value {#id_xqs_kkp_12c}",
        "issuing traveler’s checks {#id_xvx_lkp_12c}",
        "payroll processing services {#id_kpk_ylp_12c}",
        "selling money orders {#id_tjt_znp_12c}",
        "selling prepaid access / stored value {#id_imv_14p_12c}",
        "selling traveler’s checks {#id_ud1_c4p_12c}",
        "transporting currency {#id_bgh_k4p_12c}",
        "virtual currency exchanging and trading services {#id_jnk_ppp_12c}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmls_pg_businessActDefs_MSB.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmls_pg_businessActDefs_MSB.md:chunk-1",
      "title": "Money Services {#nmls_pg_businessActDefs_MSB .glossgroup}",
      "content": " identification number. This may include both “open loop” prepaid access \\(a type of prepaid access that can be used in transactions at any accepting retail location\\) and “closed loop” prepaid access \\(a type of prepaid access that can only be used in transactions involving a defined merchant or location or set of locations\\).\n\n## issuing traveler’s checks \n\nBeing ultimately responsible for payment of traveler’s checks as the drawer of such instruments or a money transmitter that has the obligation to guarantee payment of a money transfer.\n\n## payroll processing services \n\nReceiving money for transmission pursuant to a contract with a person to deliver wages or salaries, make payment or payroll taxes to state and federal agencies, make payments relating to employee benefits plans, or make distributions of other authorized deductions from wages or salaries. The definition does not include an employer performing payroll processing services on its own behalf or on behalf of its affiliate, or a professional employment organization subject to regulation under other applicable state law.\n\n## selling money orders \n\nOperating a business that money order issuers authorize, through written agreement or otherwise, to sell the issuer’s money orders or send and receive the issuers transfer services.\n\n## selling prepaid access / stored value \n\nPrepaid access / stored value is defined as accepting currency, funds or other value that substitutes for currency that has been paid in advance and can be retrieved or transferred at some point in the future through an electronic device or vehicle such as a card, code, electronic serial number, mobile identification number or personal identification number. This may include both “open loop” prepaid access \\(a type of prepaid access that can be used in transactions at any accepting retail location\\) and “closed loop” prepaid access \\(a type of prepaid access that can only be used in transactions involving a defined merchant or location or ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmls_pg_businessActDefs_MSB.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmls_pg_businessActDefs_MSB.md",
      "headings": [
        "Money Services {#nmls_pg_businessActDefs_MSB .glossgroup}",
        "bill paying {#id_pxx_5v4_12c}",
        "check cashing {#id_ryk_bw4_12c}",
        "electronic money transmitting {#id_fmv_3w4_12c}",
        "foreign currency dealing or exchanging {#id_u5w_bgp_12c}",
        "issuing and / or selling drafts {#id_e1g_ygp_12c}",
        "issuing money orders {#id_q55_jjp_12c}",
        "issuing prepaid access / stored value {#id_xqs_kkp_12c}",
        "issuing traveler’s checks {#id_xvx_lkp_12c}",
        "payroll processing services {#id_kpk_ylp_12c}",
        "selling money orders {#id_tjt_znp_12c}",
        "selling prepaid access / stored value {#id_imv_14p_12c}",
        "selling traveler’s checks {#id_ud1_c4p_12c}",
        "transporting currency {#id_bgh_k4p_12c}",
        "virtual currency exchanging and trading services {#id_jnk_ppp_12c}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmls_pg_businessActDefs_MSB.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmls_pg_businessActDefs_MSB.md:chunk-2",
      "title": "Money Services {#nmls_pg_businessActDefs_MSB .glossgroup}",
      "content": "e used in transactions at any accepting retail location\\) and “closed loop” prepaid access \\(a type of prepaid access that can only be used in transactions involving a defined merchant or location or set of locations\\).\n\n## selling traveler’s checks \n\nOperating a business that traveler’s check issuers authorize, through written agreement or otherwise, to sell the issuer’s traveler’s checks or send and receive the issuer’s transfer services.\n\n## transporting currency \n\nEngaging in the physically transportation of currency.\n\n## virtual currency exchanging and trading services \n\nBuying and selling virtual currency as a customer business on the company’s own account; providing services allowing for the conversion or exchange of\n\n1.  fiat currency or other value into virtual currency, or\n2.  virtual currency into fiat currency or other value, or\n3.  one form of virtual currency into another form of virtual currency; including offering an online digital currency exchange and/or trading platform.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmls_pg_businessActDefs_MSB.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmls_pg_businessActDefs_MSB.md",
      "headings": [
        "Money Services {#nmls_pg_businessActDefs_MSB .glossgroup}",
        "bill paying {#id_pxx_5v4_12c}",
        "check cashing {#id_ryk_bw4_12c}",
        "electronic money transmitting {#id_fmv_3w4_12c}",
        "foreign currency dealing or exchanging {#id_u5w_bgp_12c}",
        "issuing and / or selling drafts {#id_e1g_ygp_12c}",
        "issuing money orders {#id_q55_jjp_12c}",
        "issuing prepaid access / stored value {#id_xqs_kkp_12c}",
        "issuing traveler’s checks {#id_xvx_lkp_12c}",
        "payroll processing services {#id_kpk_ylp_12c}",
        "selling money orders {#id_tjt_znp_12c}",
        "selling prepaid access / stored value {#id_imv_14p_12c}",
        "selling traveler’s checks {#id_ud1_c4p_12c}",
        "transporting currency {#id_bgh_k4p_12c}",
        "virtual currency exchanging and trading services {#id_jnk_ppp_12c}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmls_pg_businessActDefs_MSB.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmls_pg_businessActDefs_conFinance.md:chunk-0",
      "title": "Consumer Finance {#nmls_pg_businessActDefs_conFinance .glossgroup}",
      "content": "# Consumer Finance \n\n**Parent topic:**Business Activities Definitions\n\n## accounting / billing servicing \n\nProviding a billing and / or accounting service to a company.\n\n## commercial financing \\(lending / brokering\\) \n\n1.  Acting as a lender or creditor by providing or offering to provide open-end, closed-end, sales-based, factoring, or other form of financing transaction, and where the financing is for commercial purposes only and not secured by real property; or\n2.  Acting as a broker by providing or offering to provide the service of bringing borrowers and lenders or creditors together to assist in negotiating financing for commercial purposes only that is not secured by real property.\n\n## commercial mortgage servicing \n\nProviding services which include the receipt of payments, customer services, escrow administration, investor accounting, and collections or foreclosures for mortgages secured by real property where the financing is for commercial purposes only.\n\n## consumer loan brokering \n\nProviding the service of bringing borrowers and lenders together to assist a borrower obtain funds for personal, family or household purposes not including loans secured by real property.\n\n## consumer loan lending \n\nActing as a lender or creditor by offering to provide or providing funds to a borrower primarily for personal, family or household purposes not including loans secured by real property.\n\n## consumer loan servicing \n\nProviding services which include the receipt of payments, customer service, escrow administration, investor accounting, and collections for consumer loans \\(not including loans secured by real property\\).\n\n## consumer reporting agency \n\nAny person who, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which may use any means or fac",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmls_pg_businessActDefs_conFinance.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmls_pg_businessActDefs_conFinance.md",
      "headings": [
        "Consumer Finance {#nmls_pg_businessActDefs_conFinance .glossgroup}",
        "accounting / billing servicing {#id_edg_3zk_12c}",
        "commercial financing \\(lending / brokering\\) {#id_lrv_g1l_12c}",
        "commercial mortgage servicing {#id_cmd_31l_12c}",
        "consumer loan brokering {#id_i5k_j4n_12c}",
        "consumer loan lending {#id_s21_l4n_12c}",
        "consumer loan servicing {#id_enj_m4n_12c}",
        "consumer reporting agency {#id_dyw_4vn_12c}",
        "earned wage access—direct to consumer {#id_ufw_tb4_12c}",
        "earned wage access—employer integrated {#id_oxq_5b4_12c}",
        "escrowing agents {#id_amx_dc4_12c}",
        "non-depository ATM operation {#id_bkb_lc4_12c}",
        "non-private student loan lending {#id_bgl_1d4_12c}",
        "non-private student loan servicing {#id_o3f_bd4_12c}",
        "pawn brokering {#id_r1k_jd4_12c}",
        "payday lending—online {#id_bfx_xd4_12c}",
        "payday lending—storefront {#id_u1z_yd4_12c}",
        "precious metals dealing {#id_jhh_m24_12c}",
        "premium finance company activities {#id_pvj_w24_12c}",
        "prepaid funeral plan providers {#id_yjc_ff4_12c}",
        "private student loan acquisition {#id_bqm_1g4_12c}",
        "private student loan lending {#id_c2h_bg4_12c}",
        "private student loan servicing {#id_i2y_bg4_12c}",
        "Property Assessed Clean Energy program administrator {#id_ict_1h4_12c}",
        "PACE program administrator {#glossAlt_vyf_tg4_12c .glossAlt}",
        "property tax lending {#id_nv1_jk4_12c}",
        "refund anticipation lending {#id_ayk_qk4_12c}",
        "rent-to-own {#id_mhx_wk4_12c}",
        "retail installment selling {#id_ury_hl4_12c}",
        "sales finance company activities—general {#id_nyd_sn4_12c}",
        "sales finance company activities—motor vehicles {#id_kcd_tn4_12c}",
        "title lending {#id_uqm_5n4_12c}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmls_pg_businessActDefs_conFinance.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmls_pg_businessActDefs_conFinance.md:chunk-1",
      "title": "Consumer Finance {#nmls_pg_businessActDefs_conFinance .glossgroup}",
      "content": "e practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which may use any means or faciality of commerce for the purpose of preparing or furnishing consumer reports.\n\n## earned wage access—direct to consumer \n\nA third-party provides a consumer’s earned but unpaid salary, wages, compensation, or other income. The third-party does not have direct access to the employee’s time and attendance records from the employer or employer’s payroll provider.\n\n## earned wage access—employer integrated \n\nAn employer or an agent of the employer provides an employee’s earned but unpaid salary, wages, compensation, or other income, prior to the date the employer is required to pay the employee. The employer or agent has direct access to the employee’s time and attendance records from the employer or the employer’s payroll provider.\n\n## escrowing agents \n\nAny transaction for the purpose of effecting and closing the sale, purchase, exchange, transfer, encumbrance, or lease of real or personal property to another person or persons, delivers any written instrument, money, evidence of title to real or personal property, or other thing of value to a third person to be held by such third person until the happening of a specified event or the performance of a prescribed condition or conditions, when it is then to be delivered by such third person, in compliance with instructions under which he or she is to act, to a grantee, grantor, promisee, promisor, obligee, obligor, lessee, lessor, bailee, bailor, or any agent or employee thereof.\n\n## non-depository ATM operation \n\nProviding a non-depository automated teller machine \\(ATM\\) for which the person or entity imposes a fee on, or receives a fee from, a customer using the ATM.\n\n## non-private student loan lending \n\nActing as a lender by providing loans to individuals for higher education purposes which are guaranteed by the federa",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmls_pg_businessActDefs_conFinance.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmls_pg_businessActDefs_conFinance.md",
      "headings": [
        "Consumer Finance {#nmls_pg_businessActDefs_conFinance .glossgroup}",
        "accounting / billing servicing {#id_edg_3zk_12c}",
        "commercial financing \\(lending / brokering\\) {#id_lrv_g1l_12c}",
        "commercial mortgage servicing {#id_cmd_31l_12c}",
        "consumer loan brokering {#id_i5k_j4n_12c}",
        "consumer loan lending {#id_s21_l4n_12c}",
        "consumer loan servicing {#id_enj_m4n_12c}",
        "consumer reporting agency {#id_dyw_4vn_12c}",
        "earned wage access—direct to consumer {#id_ufw_tb4_12c}",
        "earned wage access—employer integrated {#id_oxq_5b4_12c}",
        "escrowing agents {#id_amx_dc4_12c}",
        "non-depository ATM operation {#id_bkb_lc4_12c}",
        "non-private student loan lending {#id_bgl_1d4_12c}",
        "non-private student loan servicing {#id_o3f_bd4_12c}",
        "pawn brokering {#id_r1k_jd4_12c}",
        "payday lending—online {#id_bfx_xd4_12c}",
        "payday lending—storefront {#id_u1z_yd4_12c}",
        "precious metals dealing {#id_jhh_m24_12c}",
        "premium finance company activities {#id_pvj_w24_12c}",
        "prepaid funeral plan providers {#id_yjc_ff4_12c}",
        "private student loan acquisition {#id_bqm_1g4_12c}",
        "private student loan lending {#id_c2h_bg4_12c}",
        "private student loan servicing {#id_i2y_bg4_12c}",
        "Property Assessed Clean Energy program administrator {#id_ict_1h4_12c}",
        "PACE program administrator {#glossAlt_vyf_tg4_12c .glossAlt}",
        "property tax lending {#id_nv1_jk4_12c}",
        "refund anticipation lending {#id_ayk_qk4_12c}",
        "rent-to-own {#id_mhx_wk4_12c}",
        "retail installment selling {#id_ury_hl4_12c}",
        "sales finance company activities—general {#id_nyd_sn4_12c}",
        "sales finance company activities—motor vehicles {#id_kcd_tn4_12c}",
        "title lending {#id_uqm_5n4_12c}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmls_pg_businessActDefs_conFinance.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmls_pg_businessActDefs_conFinance.md:chunk-2",
      "title": "Consumer Finance {#nmls_pg_businessActDefs_conFinance .glossgroup}",
      "content": "eives a fee from, a customer using the ATM.\n\n## non-private student loan lending \n\nActing as a lender by providing loans to individuals for higher education purposes which are guaranteed by the federal government.\n\n## non-private student loan servicing \n\nProviding services which include the receipt and application of borrower payments and other administrative services with respect to loans made to individuals to finance education or other school related expenses which are guaranteed by the federal government.\n\n## pawn brokering \n\nActing as a lender by providing money on a deposit or pledge or taking other personal property items into possession as security for money advanced or publicly exhibiting signs that money is to be loaned on things on deposit.\n\n## payday lending—online \n\nOver the internet, providing a smaller-dollar unsecured consumer loan, which typically is for a consumer's liquidity and due in a short period of time \\(i.e., generally less than 120 days\\) or payable in a single installment, and includes engaging in a deferred presentment transaction.\n\n## payday lending—storefront \n\nProviding, at any physical location, a smaller-dollar unsecured consumer loan, which typically is for a consumer's liquidity and due in a short period of time \\(i.e., generally less than 120 days\\) or payable in a single installment and includes engaging in a deferred presentment transaction.\n\n## precious metals dealing \n\nEngaging in the business of purchasing, selling, or trading articles made of or containing gold, silver, platinum, or other precious metals or jewels.\n\n## premium finance company activities \n\nEntering into agreements by which an insured or prospective insured promises to pay to an insurance premium finance company the amount advanced or to be advanced under the agreement to an insurer or to an insurance agent or broker in payment of premiums on an insurance contract together with a service charge.\n\n## prepaid funeral plan providers \n\nOffering prepaid funeral pl",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmls_pg_businessActDefs_conFinance.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmls_pg_businessActDefs_conFinance.md",
      "headings": [
        "Consumer Finance {#nmls_pg_businessActDefs_conFinance .glossgroup}",
        "accounting / billing servicing {#id_edg_3zk_12c}",
        "commercial financing \\(lending / brokering\\) {#id_lrv_g1l_12c}",
        "commercial mortgage servicing {#id_cmd_31l_12c}",
        "consumer loan brokering {#id_i5k_j4n_12c}",
        "consumer loan lending {#id_s21_l4n_12c}",
        "consumer loan servicing {#id_enj_m4n_12c}",
        "consumer reporting agency {#id_dyw_4vn_12c}",
        "earned wage access—direct to consumer {#id_ufw_tb4_12c}",
        "earned wage access—employer integrated {#id_oxq_5b4_12c}",
        "escrowing agents {#id_amx_dc4_12c}",
        "non-depository ATM operation {#id_bkb_lc4_12c}",
        "non-private student loan lending {#id_bgl_1d4_12c}",
        "non-private student loan servicing {#id_o3f_bd4_12c}",
        "pawn brokering {#id_r1k_jd4_12c}",
        "payday lending—online {#id_bfx_xd4_12c}",
        "payday lending—storefront {#id_u1z_yd4_12c}",
        "precious metals dealing {#id_jhh_m24_12c}",
        "premium finance company activities {#id_pvj_w24_12c}",
        "prepaid funeral plan providers {#id_yjc_ff4_12c}",
        "private student loan acquisition {#id_bqm_1g4_12c}",
        "private student loan lending {#id_c2h_bg4_12c}",
        "private student loan servicing {#id_i2y_bg4_12c}",
        "Property Assessed Clean Energy program administrator {#id_ict_1h4_12c}",
        "PACE program administrator {#glossAlt_vyf_tg4_12c .glossAlt}",
        "property tax lending {#id_nv1_jk4_12c}",
        "refund anticipation lending {#id_ayk_qk4_12c}",
        "rent-to-own {#id_mhx_wk4_12c}",
        "retail installment selling {#id_ury_hl4_12c}",
        "sales finance company activities—general {#id_nyd_sn4_12c}",
        "sales finance company activities—motor vehicles {#id_kcd_tn4_12c}",
        "title lending {#id_uqm_5n4_12c}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmls_pg_businessActDefs_conFinance.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmls_pg_businessActDefs_conFinance.md:chunk-3",
      "title": "Consumer Finance {#nmls_pg_businessActDefs_conFinance .glossgroup}",
      "content": "eement to an insurer or to an insurance agent or broker in payment of premiums on an insurance contract together with a service charge.\n\n## prepaid funeral plan providers \n\nOffering prepaid funeral plans that provide funeral or cemetery merchandise or services.\n\n## private student loan acquisition \n\nPurchasing, taking by assignment, or otherwise acquiring loans made to individuals for higher education purposes which are not guaranteed by the federal government.\n\n## private student loan lending \n\nActing as a lender by providing loans to individuals for higher education purposes which are not guaranteed by the federal government.\n\n## private student loan servicing \n\nProviding services which include the receipt and application of borrower payments and other administrative services with respect to loans made to individuals to finance education or other school related expenses which are not guaranteed by the federal government.\n\n## Property Assessed Clean Energy program administrator \n\nAdminister financing for energy efficient property improvements on behalf of a local government entity.\n\nProperty Assessed Clean Energy \\(PACE\\) program administrator\n\n### PACE program administrator \n\n## property tax lending \n\nOffering, negotiating, transacting, making, or servicing an advance of money on behalf of property owners for the purpose of paying property tax payments for which the lender receives a lien on the property allowing the lender to foreclose on the property if the owner defaults on the loan.\n\n## refund anticipation lending \n\nOffering a loan to a taxpayer based on the taxpayer’s anticipated federal income tax refund.\n\n## rent-to-own \n\nProviding a rental purchase in which property is leased for a payment \\(weekly/monthly\\) with the ability to purchase at some point in time.\n\n## retail installment selling \n\nSelling or assigning retail installment contracts.\n\n## sales finance company activities—general \n\nProviding financing to one or more retail buyers or purchasing retail",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmls_pg_businessActDefs_conFinance.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmls_pg_businessActDefs_conFinance.md",
      "headings": [
        "Consumer Finance {#nmls_pg_businessActDefs_conFinance .glossgroup}",
        "accounting / billing servicing {#id_edg_3zk_12c}",
        "commercial financing \\(lending / brokering\\) {#id_lrv_g1l_12c}",
        "commercial mortgage servicing {#id_cmd_31l_12c}",
        "consumer loan brokering {#id_i5k_j4n_12c}",
        "consumer loan lending {#id_s21_l4n_12c}",
        "consumer loan servicing {#id_enj_m4n_12c}",
        "consumer reporting agency {#id_dyw_4vn_12c}",
        "earned wage access—direct to consumer {#id_ufw_tb4_12c}",
        "earned wage access—employer integrated {#id_oxq_5b4_12c}",
        "escrowing agents {#id_amx_dc4_12c}",
        "non-depository ATM operation {#id_bkb_lc4_12c}",
        "non-private student loan lending {#id_bgl_1d4_12c}",
        "non-private student loan servicing {#id_o3f_bd4_12c}",
        "pawn brokering {#id_r1k_jd4_12c}",
        "payday lending—online {#id_bfx_xd4_12c}",
        "payday lending—storefront {#id_u1z_yd4_12c}",
        "precious metals dealing {#id_jhh_m24_12c}",
        "premium finance company activities {#id_pvj_w24_12c}",
        "prepaid funeral plan providers {#id_yjc_ff4_12c}",
        "private student loan acquisition {#id_bqm_1g4_12c}",
        "private student loan lending {#id_c2h_bg4_12c}",
        "private student loan servicing {#id_i2y_bg4_12c}",
        "Property Assessed Clean Energy program administrator {#id_ict_1h4_12c}",
        "PACE program administrator {#glossAlt_vyf_tg4_12c .glossAlt}",
        "property tax lending {#id_nv1_jk4_12c}",
        "refund anticipation lending {#id_ayk_qk4_12c}",
        "rent-to-own {#id_mhx_wk4_12c}",
        "retail installment selling {#id_ury_hl4_12c}",
        "sales finance company activities—general {#id_nyd_sn4_12c}",
        "sales finance company activities—motor vehicles {#id_kcd_tn4_12c}",
        "title lending {#id_uqm_5n4_12c}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmls_pg_businessActDefs_conFinance.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmls_pg_businessActDefs_conFinance.md:chunk-4",
      "title": "Consumer Finance {#nmls_pg_businessActDefs_conFinance .glossgroup}",
      "content": "\n## retail installment selling \n\nSelling or assigning retail installment contracts.\n\n## sales finance company activities—general \n\nProviding financing to one or more retail buyers or purchasing retail installment contracts from one or more retail sellers in connection with products other than motor vehicles.\n\n## sales finance company activities—motor vehicles \n\nProviding financing to one or more retail buyers or purchasing retail installment contracts from one or more retail sellers in connection with motor vehicles.\n\n## title lending \n\nProviding a loan to a borrower that is secured by a nonpurchase money security interest in titled personal property.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmls_pg_businessActDefs_conFinance.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmls_pg_businessActDefs_conFinance.md",
      "headings": [
        "Consumer Finance {#nmls_pg_businessActDefs_conFinance .glossgroup}",
        "accounting / billing servicing {#id_edg_3zk_12c}",
        "commercial financing \\(lending / brokering\\) {#id_lrv_g1l_12c}",
        "commercial mortgage servicing {#id_cmd_31l_12c}",
        "consumer loan brokering {#id_i5k_j4n_12c}",
        "consumer loan lending {#id_s21_l4n_12c}",
        "consumer loan servicing {#id_enj_m4n_12c}",
        "consumer reporting agency {#id_dyw_4vn_12c}",
        "earned wage access—direct to consumer {#id_ufw_tb4_12c}",
        "earned wage access—employer integrated {#id_oxq_5b4_12c}",
        "escrowing agents {#id_amx_dc4_12c}",
        "non-depository ATM operation {#id_bkb_lc4_12c}",
        "non-private student loan lending {#id_bgl_1d4_12c}",
        "non-private student loan servicing {#id_o3f_bd4_12c}",
        "pawn brokering {#id_r1k_jd4_12c}",
        "payday lending—online {#id_bfx_xd4_12c}",
        "payday lending—storefront {#id_u1z_yd4_12c}",
        "precious metals dealing {#id_jhh_m24_12c}",
        "premium finance company activities {#id_pvj_w24_12c}",
        "prepaid funeral plan providers {#id_yjc_ff4_12c}",
        "private student loan acquisition {#id_bqm_1g4_12c}",
        "private student loan lending {#id_c2h_bg4_12c}",
        "private student loan servicing {#id_i2y_bg4_12c}",
        "Property Assessed Clean Energy program administrator {#id_ict_1h4_12c}",
        "PACE program administrator {#glossAlt_vyf_tg4_12c .glossAlt}",
        "property tax lending {#id_nv1_jk4_12c}",
        "refund anticipation lending {#id_ayk_qk4_12c}",
        "rent-to-own {#id_mhx_wk4_12c}",
        "retail installment selling {#id_ury_hl4_12c}",
        "sales finance company activities—general {#id_nyd_sn4_12c}",
        "sales finance company activities—motor vehicles {#id_kcd_tn4_12c}",
        "title lending {#id_uqm_5n4_12c}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmls_pg_businessActDefs_conFinance.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmls_pg_businessActDefs_debt.md:chunk-0",
      "title": "Debt {#nmls_pg_businessActDefs_debt .glossgroup}",
      "content": "# Debt \n\n**Parent topic:**Business Activities Definitions\n\n## active debt buying \\(undertakes direct collections on accounts\\) \n\nPurchasing debt from another which is in default at the time of purchase or acquisition and undertaking activity to directly collect on the debt.\n\n## bi-weekly payment processing services \n\nOffering or selling a service which allows a borrower to enter into a repayment plan that requires payments every two weeks to help repay the loan over a shorter amount of time.\n\n## credit repair \n\nSelling, providing or performing services to improve any consumer's credit record, credit history or credit rating, or providing advice or assistance to any consumer with regard to their credit record, credit history or credit rating.\n\n## debt management / credit counseling \n\nReceiving money, or offering to receive money, from debtors for application or payment to or prorating of a debt owed to, any creditor or creditors of such debtor; or providing, or offering to provide, counseling or other services to debtors in the management of their debts, or contracting with the debtor to affect the adjustment, compromise, or discharge of any account, note or other indebtedness of the debtor.\n\n## debt negotiation \n\nActing on behalf of consumer debtors for or with the expectation of a fee, commission, or other valuable consideration to help clear debts by entering into direct negotiations with creditors in order to facilitate the repayment of debts.\n\n## debt settlement / debt adjuster \n\nFor or with the expectation of a fee, commission or other valuable consideration, entering into an agreement with a debtor agreeing to distribute, supervise, coordinate, negotiate, or control the distribution of money or evidences thereof among one or more of the debtor's creditors in full or partial payment of the obligations of the debtor and including services as an intermediary between a debtor and one or more of the debtor's creditors for the purpose of obtaining concessions.\n\n## f",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmls_pg_businessActDefs_debt.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmls_pg_businessActDefs_debt.md",
      "headings": [
        "Debt {#nmls_pg_businessActDefs_debt .glossgroup}",
        "active debt buying \\(undertakes direct collections on accounts\\) {#id_glq_4p4_12c}",
        "bi-weekly payment processing services {#id_dcm_5p4_12c}",
        "credit repair {#id_zlk_jq4_12c}",
        "debt management / credit counseling {#id_r2k_wq4_12c}",
        "debt negotiation {#id_otm_3r4_12c}",
        "debt settlement / debt adjuster {#id_y54_jr4_12c}",
        "first party debt collection {#id_xfk_qs4_12c}",
        "judgment recovery {#id_vrs_ys4_12c}",
        "non-mortgage loan modifications {#id_pnb_3t4_12c}",
        "passive debt buying \\(does not undertake direct collections on accounts\\) {#id_c34_qt4_12c}",
        "repossession agency activities {#id_fkd_gv4_12c}",
        "repossession agent activities {#id_phc_hv4_12c}",
        "third party debt collection {#id_wm3_3v4_12c}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmls_pg_businessActDefs_debt.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmls_pg_businessActDefs_debt.md:chunk-1",
      "title": "Debt {#nmls_pg_businessActDefs_debt .glossgroup}",
      "content": "or partial payment of the obligations of the debtor and including services as an intermediary between a debtor and one or more of the debtor's creditors for the purpose of obtaining concessions.\n\n## first party debt collection \n\nDirectly or indirectly collecting or receiving payment for your own delinquent accounts, bills, claims, or other indebtedness \\(not including mortgage indebtedness\\).\n\n## judgment recovery \n\nCollecting monies owed by delinquents or defaulting parties under judgments.\n\n## non-mortgage loan modifications \n\nNegotiating, attempting to negotiate, arranging, attempting to arrange, or otherwise offering to perform a non-mortgage loan modification which is defined as a change in one or more of a loan’s terms or conditions.\n\n## passive debt buying \\(does not undertake direct collections on accounts\\) \n\nPurchasing debt from another which is in default at the time of purchase or acquisition and engaging only in the practice of purchasing delinquent consumer debts for investment purposes without undertaking any activities to directly collect on the debt.\n\n## repossession agency activities \n\nAny person who through a designated repossession agent engages in business or accepting employment to locate or recover collateral that has been sold under a security agreement or used as security in a loan transaction including any secured party that utilizes its employees to repossess collateral.\n\n## repossession agent activities \n\nAn individual who physically obtains possession of collateral for a secured party and engages in the above noted activity.\n\n## third party debt collection \n\nDirectly or indirectly collecting or receiving payment for others of any delinquent account, bill, claim or other indebtedness \\(not including mortgage indebtedness\\).",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmls_pg_businessActDefs_debt.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmls_pg_businessActDefs_debt.md",
      "headings": [
        "Debt {#nmls_pg_businessActDefs_debt .glossgroup}",
        "active debt buying \\(undertakes direct collections on accounts\\) {#id_glq_4p4_12c}",
        "bi-weekly payment processing services {#id_dcm_5p4_12c}",
        "credit repair {#id_zlk_jq4_12c}",
        "debt management / credit counseling {#id_r2k_wq4_12c}",
        "debt negotiation {#id_otm_3r4_12c}",
        "debt settlement / debt adjuster {#id_y54_jr4_12c}",
        "first party debt collection {#id_xfk_qs4_12c}",
        "judgment recovery {#id_vrs_ys4_12c}",
        "non-mortgage loan modifications {#id_pnb_3t4_12c}",
        "passive debt buying \\(does not undertake direct collections on accounts\\) {#id_c34_qt4_12c}",
        "repossession agency activities {#id_fkd_gv4_12c}",
        "repossession agent activities {#id_phc_hv4_12c}",
        "third party debt collection {#id_wm3_3v4_12c}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmls_pg_businessActDefs_debt.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmls_pg_businessActDefs_mortgage.md:chunk-0",
      "title": "Mortgage {#nmls_pg_businessActDefs_mortgage .glossgroup}",
      "content": "# Mortgage \n\n**Parent topic:**Business Activities Definitions\n\n## appraisal management services \n\nAdministering an appraiser panel, including recruitment, selection, and retention of appraisers; contracting with appraisers to perform appraisals; managing the appraisal process; and/or reviewing the work of appraisers.\n\n## commercial mortgage brokering or lending \n\nActing as a broker or lender for mortgages secured by real property where the financing is for commercial purposes only.\n\n## credit insurance services \n\nOffering or selling an insurance policy to a borrower that pays off one or more existing debts secured by real property in the event of death, disability, or unemployment.\n\n## first mortgage brokering \n\nProviding the service of bringing borrowers and lenders together and assisting in negotiating a mortgage loan that gives the mortgagee a security right over all other mortgages of the mortgaged property.\n\n## first mortgage lending \n\nActing as a lender or creditor by offering to provide funds to a borrower for a mortgage loan that gives the mortgagee a security right over all other mortgages of the mortgaged property.\n\n## first mortgage servicing—MSR \n\nProviding services including, but not limited to, the receipt of payments, customer service, escrow administration, investor accounting, collections, loss mitigation, or foreclosures for first lien mortgage loans for which the company owns the servicing rights. \\(Excluding interim servicing\\).\n\n## first mortgage servicing—whole loan \n\nProviding services including, but not limited to, the receipt of payments, customer service, escrow administration, investor accounting, collections, loss mitigation, or foreclosures for first lien mortgage loans which the company wholly owns. \\(Excluding interim servicing\\).\n\n## foreclosure consulting / foreclosure rescue \n\nDirectly or indirectly making a solicitation, representation or offer to a homeowner to perform, for or with the intent to receive compensation from or on behal",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmls_pg_businessActDefs_mortgage.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmls_pg_businessActDefs_mortgage.md",
      "headings": [
        "Mortgage {#nmls_pg_businessActDefs_mortgage .glossgroup}",
        "appraisal management services {#id_rc2_m4m_zdc}",
        "commercial mortgage brokering or lending {#id_u33_dp3_12c}",
        "credit insurance services {#id_pt5_rp3_12c}",
        "first mortgage brokering {#id_alb_fs3_12c}",
        "first mortgage lending {#id_dm2_ws3_12c}",
        "first mortgage servicing—MSR {#id_dgl_xs3_12c}",
        "first mortgage servicing—whole loan {#id_tcn_xdh_n2c}",
        "foreclosure consulting / foreclosure rescue {#id_bmk_tt3_12c}",
        "high cost home loans – broker {#id_nk3_h53_12c}",
        "high cost home loans – lender {#id_t33_353_12c}",
        "home equity lending/lines of credit—broker {#id_rzt_bv3_12c}",
        "home equity lending/lines of credit—lender {#id_syl_dv3_12c}",
        "interim servicing {#id_iwq_2kk_4fc}",
        "lead generation {#id_inl_cdj_12c}",
        "manufactured housing financing—broker {#id_urm_vdj_12c}",
        "manufactured housing financing—lender {#id_ewk_wdj_12c}",
        "master servicing—MSR {#id_w14_mmj_12c}",
        "master servicing—whole loan {#id_xqn_pbb_42c}",
        "mortgage loan modifications {#id_g5s_l4j_12c}",
        "mortgage loan purchasing {#id_gjd_1qj_12c}",
        "reverse mortgage brokering {#id_yjt_dqj_12c}",
        "reverse mortgage lending {#id_qc3_fqj_12c}",
        "reverse mortgage servicing {#id_bpb_hqj_12c}",
        "second mortgage brokering {#id_mnd_bsj_12c}",
        "second mortgage lending {#id_a2b_csj_12c}",
        "short sale {#id_ojl_4sj_12c}",
        "subordinate lien servicing—MSR {#id_o3k_cqk_12c}",
        "subordinate lien servicing—whole loan {#id_mhf_g2b_42c}",
        "third party first mortgage servicing {#id_rrh_mwk_12c}",
        "third party mortgage loan processing {#id_bxk_pwk_12c}",
        "third party mortgage loan underwriting {#id_hds_5wk_12c}",
        "third party subordinate lien mortgage servicing {#id_u3w_wwk_12c}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmls_pg_businessActDefs_mortgage.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmls_pg_businessActDefs_mortgage.md:chunk-1",
      "title": "Mortgage {#nmls_pg_businessActDefs_mortgage .glossgroup}",
      "content": "osure consulting / foreclosure rescue \n\nDirectly or indirectly making a solicitation, representation or offer to a homeowner to perform, for or with the intent to receive compensation from or on behalf of the homeowner, a service that the solicitation, representation or offer indicates will accomplish one or more of the following:\n\n1.  Prevent, postpone or stop a foreclosure sale.\n2.  Obtain forbearance from a beneficiary or mortgagee.\n3.  Assist the homeowner in exercising a right of redemption.\n4.  Obtain an extension of the period within which the homeowner may reinstate the homeowner's obligation.\n5.  Obtain the waiver of an acceleration clause that is:\n    1.  Containedin a promissory note or contract; and\n    2.  Securedby or contained in a deed of trust for, or mortgage on, a residence in foreclosure or in default.\n6.  Assist the homeowner in obtaining a loan or advance of funds.\n\nAvoid or ameliorate an impairment of the homeowner's credit resulting from a recorded notice of foreclosure or default.\n\n## high cost home loans – broker \n\nActing as a broker on a loan which meets the definition of a high cost home loan under state or federal law.\n\n## high cost home loans – lender \n\nActing as a lender on a loan which meets the definition of a high cost home loan under state or federal law.\n\n## home equity lending/lines of credit—broker \n\nActing as a broker for an open-end loan, usually recorded as a second mortgage, that permits borrowers to obtain cash advances on an approved line of credit.\n\n## home equity lending/lines of credit—lender \n\nActing as a lender for an open-end loan, usually recorded as a second mortgage, that permits borrowers to obtain cash advances on an approved line of credit.\n\n## interim servicing \n\nCollecting a limited number of contractual mortgage payments immediately after origination on loans held for sale but prior to the loans being sold into the secondary market for a period generally not to exceed 120 calendar days.\n\n## lead generation \n",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmls_pg_businessActDefs_mortgage.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmls_pg_businessActDefs_mortgage.md",
      "headings": [
        "Mortgage {#nmls_pg_businessActDefs_mortgage .glossgroup}",
        "appraisal management services {#id_rc2_m4m_zdc}",
        "commercial mortgage brokering or lending {#id_u33_dp3_12c}",
        "credit insurance services {#id_pt5_rp3_12c}",
        "first mortgage brokering {#id_alb_fs3_12c}",
        "first mortgage lending {#id_dm2_ws3_12c}",
        "first mortgage servicing—MSR {#id_dgl_xs3_12c}",
        "first mortgage servicing—whole loan {#id_tcn_xdh_n2c}",
        "foreclosure consulting / foreclosure rescue {#id_bmk_tt3_12c}",
        "high cost home loans – broker {#id_nk3_h53_12c}",
        "high cost home loans – lender {#id_t33_353_12c}",
        "home equity lending/lines of credit—broker {#id_rzt_bv3_12c}",
        "home equity lending/lines of credit—lender {#id_syl_dv3_12c}",
        "interim servicing {#id_iwq_2kk_4fc}",
        "lead generation {#id_inl_cdj_12c}",
        "manufactured housing financing—broker {#id_urm_vdj_12c}",
        "manufactured housing financing—lender {#id_ewk_wdj_12c}",
        "master servicing—MSR {#id_w14_mmj_12c}",
        "master servicing—whole loan {#id_xqn_pbb_42c}",
        "mortgage loan modifications {#id_g5s_l4j_12c}",
        "mortgage loan purchasing {#id_gjd_1qj_12c}",
        "reverse mortgage brokering {#id_yjt_dqj_12c}",
        "reverse mortgage lending {#id_qc3_fqj_12c}",
        "reverse mortgage servicing {#id_bpb_hqj_12c}",
        "second mortgage brokering {#id_mnd_bsj_12c}",
        "second mortgage lending {#id_a2b_csj_12c}",
        "short sale {#id_ojl_4sj_12c}",
        "subordinate lien servicing—MSR {#id_o3k_cqk_12c}",
        "subordinate lien servicing—whole loan {#id_mhf_g2b_42c}",
        "third party first mortgage servicing {#id_rrh_mwk_12c}",
        "third party mortgage loan processing {#id_bxk_pwk_12c}",
        "third party mortgage loan underwriting {#id_hds_5wk_12c}",
        "third party subordinate lien mortgage servicing {#id_u3w_wwk_12c}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmls_pg_businessActDefs_mortgage.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmls_pg_businessActDefs_mortgage.md:chunk-2",
      "title": "Mortgage {#nmls_pg_businessActDefs_mortgage .glossgroup}",
      "content": " payments immediately after origination on loans held for sale but prior to the loans being sold into the secondary market for a period generally not to exceed 120 calendar days.\n\n## lead generation \n\nLoan solicitation without origination.\n\n## manufactured housing financing—broker \n\nActing as a broker in financing of a dwelling unit that is constructed off-site before moving to the set location where the property would reside.\n\n## manufactured housing financing—lender \n\nActing as a lender in financing of a dwelling unit that is constructed off-site before moving to the set location where the property would reside.\n\n## master servicing—MSR \n\nOwning mortgage servicing rights and contracting with a third-party servicer to manage the receipt of payments, customer service, escrow administration, investor accounting, collections, loss mitigation, or foreclosures related to these servicing rights. \\(Excluding interim servicing\\).\n\n## master servicing—whole loan \n\nOwning the whole loan and contracting with a third-party servicer to manage the receipt of payments, customer service, escrow administration, investor accounting, collections, loss mitigation, or foreclosures related to wholly owned loans. \\(Excluding interim servicing\\).\n\n## mortgage loan modifications \n\nNegotiating, attempting to negotiate, arranging, attempting to arrange, or otherwise offering to perform a mortgage loan modification which is defined as a change in one or more of a loan’s terms or conditions.\n\n## mortgage loan purchasing \n\nPurchasing closed mortgages \\(that are not currently in default\\) with the intent to service or resell to others.\n\n## reverse mortgage brokering \n\nActing as a broker for a loan secured by a lien on residential real estate in which the homeowner is not required to make payments on the loan until a specific event occurs \\(e.g., homeowner ceases to reside in the property\\).\n\n## reverse mortgage lending \n\nActing as a lender for a loan secured by a lien on residential real estate ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmls_pg_businessActDefs_mortgage.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmls_pg_businessActDefs_mortgage.md",
      "headings": [
        "Mortgage {#nmls_pg_businessActDefs_mortgage .glossgroup}",
        "appraisal management services {#id_rc2_m4m_zdc}",
        "commercial mortgage brokering or lending {#id_u33_dp3_12c}",
        "credit insurance services {#id_pt5_rp3_12c}",
        "first mortgage brokering {#id_alb_fs3_12c}",
        "first mortgage lending {#id_dm2_ws3_12c}",
        "first mortgage servicing—MSR {#id_dgl_xs3_12c}",
        "first mortgage servicing—whole loan {#id_tcn_xdh_n2c}",
        "foreclosure consulting / foreclosure rescue {#id_bmk_tt3_12c}",
        "high cost home loans – broker {#id_nk3_h53_12c}",
        "high cost home loans – lender {#id_t33_353_12c}",
        "home equity lending/lines of credit—broker {#id_rzt_bv3_12c}",
        "home equity lending/lines of credit—lender {#id_syl_dv3_12c}",
        "interim servicing {#id_iwq_2kk_4fc}",
        "lead generation {#id_inl_cdj_12c}",
        "manufactured housing financing—broker {#id_urm_vdj_12c}",
        "manufactured housing financing—lender {#id_ewk_wdj_12c}",
        "master servicing—MSR {#id_w14_mmj_12c}",
        "master servicing—whole loan {#id_xqn_pbb_42c}",
        "mortgage loan modifications {#id_g5s_l4j_12c}",
        "mortgage loan purchasing {#id_gjd_1qj_12c}",
        "reverse mortgage brokering {#id_yjt_dqj_12c}",
        "reverse mortgage lending {#id_qc3_fqj_12c}",
        "reverse mortgage servicing {#id_bpb_hqj_12c}",
        "second mortgage brokering {#id_mnd_bsj_12c}",
        "second mortgage lending {#id_a2b_csj_12c}",
        "short sale {#id_ojl_4sj_12c}",
        "subordinate lien servicing—MSR {#id_o3k_cqk_12c}",
        "subordinate lien servicing—whole loan {#id_mhf_g2b_42c}",
        "third party first mortgage servicing {#id_rrh_mwk_12c}",
        "third party mortgage loan processing {#id_bxk_pwk_12c}",
        "third party mortgage loan underwriting {#id_hds_5wk_12c}",
        "third party subordinate lien mortgage servicing {#id_u3w_wwk_12c}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmls_pg_businessActDefs_mortgage.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmls_pg_businessActDefs_mortgage.md:chunk-3",
      "title": "Mortgage {#nmls_pg_businessActDefs_mortgage .glossgroup}",
      "content": " the loan until a specific event occurs \\(e.g., homeowner ceases to reside in the property\\).\n\n## reverse mortgage lending \n\nActing as a lender for a loan secured by a lien on residential real estate in which the homeowner is not required to make payments on the loan until a specific event occurs \\(e.g., homeowner ceases to reside in the property\\).\n\n## reverse mortgage servicing \n\nActing as a servicer for a loan secured by a lien on residential real estate in which the homeowner is not required to make payments on the loan until a specific event occurs \\(e.g., homeowner ceases to reside in the property\\).\n\n## second mortgage brokering \n\nProviding the service of bringing borrowers and lenders together and assisting in negotiating a mortgage loan that has subordinate rights to a first mortgage.\n\n## second mortgage lending \n\nActing as a lender or creditor by offering to provide funds to a borrower for a mortgage loan that has subordinate rights to a first mortgage.\n\n## short sale \n\nMaking or facilitating a sale of residential property for an amount that is less than the remaining amount due on the loan that the residential property secures.\n\n## subordinate lien servicing—MSR \n\nProviding services including, but not limited to, the receipt of payments, customer service, escrow administration, investor accounting, collections, loss mitigation, or foreclosures for subordinate lien mortgage loans for which the company owns the servicing rights. \\(Excluding interim servicing\\).\n\n## subordinate lien servicing—whole loan \n\nProviding services including, but not limited to, the receipt of payments, customer service, escrow administration, investor accounting, collections, loss mitigation, or foreclosures for subordinate lien mortgage loans which the company wholly owns. \\(Excluding interim servicing\\).\n\n## third party first mortgage servicing \n\nProviding services for another party that owns the first lien mortgage loan and/or a party that owns the mortgage servicing rights on s",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmls_pg_businessActDefs_mortgage.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmls_pg_businessActDefs_mortgage.md",
      "headings": [
        "Mortgage {#nmls_pg_businessActDefs_mortgage .glossgroup}",
        "appraisal management services {#id_rc2_m4m_zdc}",
        "commercial mortgage brokering or lending {#id_u33_dp3_12c}",
        "credit insurance services {#id_pt5_rp3_12c}",
        "first mortgage brokering {#id_alb_fs3_12c}",
        "first mortgage lending {#id_dm2_ws3_12c}",
        "first mortgage servicing—MSR {#id_dgl_xs3_12c}",
        "first mortgage servicing—whole loan {#id_tcn_xdh_n2c}",
        "foreclosure consulting / foreclosure rescue {#id_bmk_tt3_12c}",
        "high cost home loans – broker {#id_nk3_h53_12c}",
        "high cost home loans – lender {#id_t33_353_12c}",
        "home equity lending/lines of credit—broker {#id_rzt_bv3_12c}",
        "home equity lending/lines of credit—lender {#id_syl_dv3_12c}",
        "interim servicing {#id_iwq_2kk_4fc}",
        "lead generation {#id_inl_cdj_12c}",
        "manufactured housing financing—broker {#id_urm_vdj_12c}",
        "manufactured housing financing—lender {#id_ewk_wdj_12c}",
        "master servicing—MSR {#id_w14_mmj_12c}",
        "master servicing—whole loan {#id_xqn_pbb_42c}",
        "mortgage loan modifications {#id_g5s_l4j_12c}",
        "mortgage loan purchasing {#id_gjd_1qj_12c}",
        "reverse mortgage brokering {#id_yjt_dqj_12c}",
        "reverse mortgage lending {#id_qc3_fqj_12c}",
        "reverse mortgage servicing {#id_bpb_hqj_12c}",
        "second mortgage brokering {#id_mnd_bsj_12c}",
        "second mortgage lending {#id_a2b_csj_12c}",
        "short sale {#id_ojl_4sj_12c}",
        "subordinate lien servicing—MSR {#id_o3k_cqk_12c}",
        "subordinate lien servicing—whole loan {#id_mhf_g2b_42c}",
        "third party first mortgage servicing {#id_rrh_mwk_12c}",
        "third party mortgage loan processing {#id_bxk_pwk_12c}",
        "third party mortgage loan underwriting {#id_hds_5wk_12c}",
        "third party subordinate lien mortgage servicing {#id_u3w_wwk_12c}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmls_pg_businessActDefs_mortgage.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/nmls_glossary/glossaryTopics/nmls_pg_businessActDefs_mortgage.md:chunk-4",
      "title": "Mortgage {#nmls_pg_businessActDefs_mortgage .glossgroup}",
      "content": " interim servicing\\).\n\n## third party first mortgage servicing \n\nProviding services for another party that owns the first lien mortgage loan and/or a party that owns the mortgage servicing rights on such a loan, including, but not limited to, the receipt of payments, customer service, escrow administration, investor accounting, collections, loss mitigation, or foreclosures. Third-party servicers, which may be referred to as subservicers, do not own the loan or the mortgage servicing rights associated with the loan. \\(Excluding interim servicing\\).\n\n## third party mortgage loan processing \n\nCompleting the mortgage loan application and supporting documentation for underwriting for an application your company did not take from the borrower.\n\n## third party mortgage loan underwriting \n\nUnderwriting a mortgage loan application and supporting documentation for an application your company did not take from the borrower nor are funding.\n\n## third party subordinate lien mortgage servicing \n\nProviding services for another party that owns the subordinate lien mortgage loan and/or a party that owns the mortgage servicing rights on such a loan, including, but not limited to, the receipt of payments, customer service, escrow administration, investor accounting, collections, loss mitigation, or foreclosures. Third-party servicers, which may be referred to as subservicers, do not own the loan or the mortgage servicing rights associated with the loan. \\(Excluding interim servicing\\).",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmls_pg_businessActDefs_mortgage.md",
      "relative_path": "maps\\NMLS\\reference\\nmls_glossary\\glossaryTopics\\nmls_pg_businessActDefs_mortgage.md",
      "headings": [
        "Mortgage {#nmls_pg_businessActDefs_mortgage .glossgroup}",
        "appraisal management services {#id_rc2_m4m_zdc}",
        "commercial mortgage brokering or lending {#id_u33_dp3_12c}",
        "credit insurance services {#id_pt5_rp3_12c}",
        "first mortgage brokering {#id_alb_fs3_12c}",
        "first mortgage lending {#id_dm2_ws3_12c}",
        "first mortgage servicing—MSR {#id_dgl_xs3_12c}",
        "first mortgage servicing—whole loan {#id_tcn_xdh_n2c}",
        "foreclosure consulting / foreclosure rescue {#id_bmk_tt3_12c}",
        "high cost home loans – broker {#id_nk3_h53_12c}",
        "high cost home loans – lender {#id_t33_353_12c}",
        "home equity lending/lines of credit—broker {#id_rzt_bv3_12c}",
        "home equity lending/lines of credit—lender {#id_syl_dv3_12c}",
        "interim servicing {#id_iwq_2kk_4fc}",
        "lead generation {#id_inl_cdj_12c}",
        "manufactured housing financing—broker {#id_urm_vdj_12c}",
        "manufactured housing financing—lender {#id_ewk_wdj_12c}",
        "master servicing—MSR {#id_w14_mmj_12c}",
        "master servicing—whole loan {#id_xqn_pbb_42c}",
        "mortgage loan modifications {#id_g5s_l4j_12c}",
        "mortgage loan purchasing {#id_gjd_1qj_12c}",
        "reverse mortgage brokering {#id_yjt_dqj_12c}",
        "reverse mortgage lending {#id_qc3_fqj_12c}",
        "reverse mortgage servicing {#id_bpb_hqj_12c}",
        "second mortgage brokering {#id_mnd_bsj_12c}",
        "second mortgage lending {#id_a2b_csj_12c}",
        "short sale {#id_ojl_4sj_12c}",
        "subordinate lien servicing—MSR {#id_o3k_cqk_12c}",
        "subordinate lien servicing—whole loan {#id_mhf_g2b_42c}",
        "third party first mortgage servicing {#id_rrh_mwk_12c}",
        "third party mortgage loan processing {#id_bxk_pwk_12c}",
        "third party mortgage loan underwriting {#id_hds_5wk_12c}",
        "third party subordinate lien mortgage servicing {#id_u3w_wwk_12c}"
      ],
      "html_link": "/docs/maps/NMLS/reference/nmls_glossary/glossaryTopics/nmls_pg_businessActDefs_mortgage.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ESB_bondCompanyFullEntity.md:chunk-0",
      "title": "Completing the Surety Company Full Entity Request {#nmlsPG_completingTheSuretyCompanyFullEntityRequest .task}",
      "content": "# Completing the Surety Company Full Entity Request \n\nTo complete the surety company account request, the Primary Company Contact will need to log in to NMLS and complete the Surety Company Full Entity Request.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Once the account password and security question have been confirmed, the System will direct you to the Surety Company Full Entity Request.\n\n    Each section on the left navigation panel will need to be completed.\n\n4.  Once information has been entered in each screen, click the **Save** button at the bottom of the page.\n\n5.  To navigate through the form, click the **Next** button at the bottom of each page to continue to the next section.\n\n    For additional section specific instructions, see below:\n\n    1.  In the Contact Information section, click the **Copy** button if the Secondary Contact is the same as Account Administrator \\#2 to default the name, email, and phone number information.\n\n        If the Secondary Contact is not the same as the second Account Administrator, provide the appropriate contact information.\n\n    2.  In the Underwriting Companies section, click the **New Underwriting Company** button to provide information on related surety entities performing writing activities on behalf of the surety company.\n\n    3.  Click **Attach File** to upload the related underwriting company’s formation documents.\n\n        Refer to the Surety Company Account Request and State Authorization Form for a list of required documentation.\n\n    4.  Click the **Save** button to save your attachment and return to the Full Entity Request.\n\n    5.  In the File Attachment section, click the **Choose File** button to upload the related surety entity’s formation documents then click the **Attach File** button.\n\n        Refer to the Surety Company Account Request and State Authorization Form for a list of required documentation.\n\n    6.  In the Submission section, review the att",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ESB_bondCompanyFullEntity.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ESB_bondCompanyFullEntity.md",
      "headings": [
        "Completing the Surety Company Full Entity Request {#nmlsPG_completingTheSuretyCompanyFullEntityRequest .task}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ESB_bondCompanyFullEntity.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ESB_bondCompanyFullEntity.md:chunk-1",
      "title": "Completing the Surety Company Full Entity Request {#nmlsPG_completingTheSuretyCompanyFullEntityRequest .task}",
      "content": "k the **Attach File** button.\n\n        Refer to the Surety Company Account Request and State Authorization Form for a list of required documentation.\n\n    6.  In the Submission section, review the attestation and confirm the statement by selecting the check box.\n\n6.  To submit the Surety Company Full Entity Request, click the **Submit Request** button.\n\nUpon submission of the Surety Company Full Entity Request, NMLS will verify the data submitted against the NAIC database. The Account Administrators will receive an email from NMLS\\_Notifications@NMLSNotifications.com within 5–7 business days informing the applicant of approval, request correction, or rejection based on verification of the information provided.\n\n**Parent topic:**Chapter IX—NMLS Electronic Surety Bond \\(ESB\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ESB_bondCompanyFullEntity.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ESB_bondCompanyFullEntity.md",
      "headings": [
        "Completing the Surety Company Full Entity Request {#nmlsPG_completingTheSuretyCompanyFullEntityRequest .task}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ESB_bondCompanyFullEntity.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ESB_bondCompanyLtdAcctReq.md:chunk-0",
      "title": "Completing the Surety Company Limited Account Request {#nmlsPG_completingTheSuretyCompanyLimitedAccountRequest .task}",
      "content": "# Completing the Surety Company Limited Account Request \n\n1.  Complete ALL of the fields on the Surety Company Limited Account Request screen.\n\n    **Note:** Be sure you have entered your NAIC number and / or EIN correctly and an email address that is readily accessible. You cannot edit the EIN or NAIC number once your record is created without contacting the NMLS Call Center at 1-855-NMLS-123 \\(1-855-665-7123\\).\n\n2.  Select the **Next** button.\n\n3.  Review the information provided.\n\n    1.  If correct click the **Finish** button.\n\n    2.  If it is incorrect click the **Previous** button and correct any information.\n\nOnce the Surety Company Limited Account Request has been submitted it will be reviewed by NMLS. The primary contact identified will receive an email from `NMLS_Notifications@NMLSNotifications.com` within 2–3 business days. The email will inform the applicant of approval or rejection based on verification of the information provided.\n\nRejection may occur if:\n\n-   Legal Name does not match NAIC data\n-   EIN already exists in NMLS or does not match NAIC data\n-   NAIC already exists in NMLS or does not match NAIC data\n-   Data fields appear to be incomplete or erroneous\n\nIf the Surety Company Limited Account Request is approved, the Primary Company Contact identified will receive username and password information to access NMLS in separate emails.\n\n**Parent topic:**Chapter IX—NMLS Electronic Surety Bond \\(ESB\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ESB_bondCompanyLtdAcctReq.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ESB_bondCompanyLtdAcctReq.md",
      "headings": [
        "Completing the Surety Company Limited Account Request {#nmlsPG_completingTheSuretyCompanyLimitedAccountRequest .task}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ESB_bondCompanyLtdAcctReq.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ESB_bondCreation.md:chunk-0",
      "title": "Bond Creation {#nmlsPG_bondCreation .concept}",
      "content": "# Bond Creation \n\nThe bond form is created by the Regulator. This form is then rendered in NMLS and any NMLS licensee specific information required by the Regulator is then prompted to be provided.\n\nThe process of providing bond specific information in NMLS is known as the bond creation process. The bond can be created \\(using the existing form rendered in NMLS\\) by either a surety bond producer or a surety company. Once the bond is created, it can then be signed electronically in NMLS and then be sent through the System to the NMLS licensee to be counter-sign\n\n**Parent topic:**Chapter IX—NMLS Electronic Surety Bond \\(ESB\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ESB_bondCreation.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ESB_bondCreation.md",
      "headings": [
        "Bond Creation {#nmlsPG_bondCreation .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ESB_bondCreation.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ESB_bondProducerAcctReq.md:chunk-0",
      "title": "Completing the Surety Bond Producer Account Request Form {#nmlsPG_completingTheSuretyBondProducerAccountRequestForm .task}",
      "content": "# Completing the Surety Bond Producer Account Request Form \n\n1.  Complete ALL of the fields within the **Surety Bond Producer Account Request Form**including:\n\n    -   company information\n    -   primary and secondary contact information\n    -   account administrators\n    -   state authorizations\n    -   submitter contact information\n2.  Once all sections have been completed, the System will allow you to review the data provided.\n\n3.  Prior to completing the attestation, click the **Choose File** button to upload related surety bond producer formation documents.\n\n    Refer to the Surety Bond Producer Account Request and State Authorizations Form for a list of required documentation.\n\n4.  To submit the Surety Bond Producer Account Request Form, review the attestation and confirm the statement by selecting the check box.\n\n5.  To submit the form, click the **Submit** button.\n\n**Parent topic:**Chapter IX—NMLS Electronic Surety Bond \\(ESB\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ESB_bondProducerAcctReq.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ESB_bondProducerAcctReq.md",
      "headings": [
        "Completing the Surety Bond Producer Account Request Form {#nmlsPG_completingTheSuretyBondProducerAccountRequestForm .task}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ESB_bondProducerAcctReq.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ESB_bondProducerAcctReq_2.md:chunk-0",
      "title": "Completing the Surety Bond Producer Account Request Form {#nmlsPG_completingTheSuretyBondProducerAccountRequestForm .task}",
      "content": "# Completing the Surety Bond Producer Account Request Form \n\n1.  Complete ALL of the fields within the **Surety Bond Producer Account Request Form**including:\n\n    -   company information\n    -   primary and secondary contact information\n    -   account administrators\n    -   state authorizations\n    -   submitter contact information\n2.  Once all sections have been completed, the System will allow you to review the data provided.\n\n3.  Prior to completing the attestation, click the **Choose File** button to upload related surety bond producer formation documents.\n\n    Refer to the Surety Bond Producer Account Request and State Authorizations Form for a list of required documentation.\n\n4.  To submit the Surety Bond Producer Account Request Form, review the attestation and confirm the statement by selecting the check box.\n\n5.  To submit the form, click the **Submit** button.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ESB_bondProducerAcctReq_2.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ESB_bondProducerAcctReq_2.md",
      "headings": [
        "Completing the Surety Bond Producer Account Request Form {#nmlsPG_completingTheSuretyBondProducerAccountRequestForm .task}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ESB_bondProducerAcctReq_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ESB_createNewBond.md:chunk-0",
      "title": "Create a New Bond {#nmlsPG_createANewBond .task}",
      "content": "# Create a New Bond \n\nHow to use the Surety Bond Management screen in NMLS as a surety bond company to create bonds for licensees.\n\nInstructions on executing and delivering a surety bond or a surety bond rider can be found at Surety Company Guide\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Select the **Tasks** tab.\n\n4.  Select **Surety Bond Management**.\n\n5.  Seelct **Create New Bond or Report BOR**.\n\n    This will display a list of all licensees who have granted you authority to create bonds on their behalf.\n\n6.  Select the **Create Bond** button next to the licensee you will be creating a bond for.\n\n    \n\n7.  Provide the requested information.\n\n    Fields will automatically adjust based on requirements of the state and license type selected.\n\n8.  When creating a bond in NMLS to replace an existing paper bond previously provided to the Regulator, known as a bond conversion, select the **Converted** radio button and provide the existing information.\n\n    **Note:** The effective date on the bond \\(if applicable\\) will be the date the bond is signed in NMLS by the surety entity.\n\n    A surety bond producer identified by the surety company during the bond creation process will become eligible to act as broker of record on the bond after the bond has been signed by the licensee.\n\n9.  A **Not Formed in US** option is available at the bottom of the drop down for electronic surety bonds requiring **State of Formation** for the licensee or surety company.\n\n10. Confirm that the correct license type has been selected.\n\n11. Click the **Save & Proceed** button.\n\n    \n\n12. Reviewall information in the bond rendered. At the bottom of the page, check the box to attest, then select the **Sign** button.\n\n    \n\n**Parent topic:**Chapter IX—NMLS Electronic Surety Bond \\(ESB\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ESB_createNewBond.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ESB_createNewBond.md",
      "headings": [
        "Create a New Bond {#nmlsPG_createANewBond .task}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ESB_createNewBond.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ESB_createNewBond_2.md:chunk-0",
      "title": "Create a New Bond {#nmlsPG_createANewBond .task}",
      "content": "# Create a New Bond \n\nHow to use the Surety Bond Management screen in NMLS as a surety bond company to create bonds for licensees.\n\nInstructions on executing and delivering a surety bond or a surety bond rider can be found at Surety Company Guide\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Select the **Tasks** tab.\n\n4.  Select **Surety Bond Management**.\n\n5.  Seelct **Create New Bond or Report BOR**.\n\n    This will display a list of all licensees who have granted you authority to create bonds on their behalf.\n\n6.  Select the **Create Bond** button next to the licensee you will be creating a bond for.\n\n    \n\n7.  Provide the requested information.\n\n    Fields will automatically adjust based on requirements of the state and license type selected.\n\n8.  When creating a bond in NMLS to replace an existing paper bond previously provided to the Regulator, known as a bond conversion, select the **Converted** radio button and provide the existing information.\n\n    **Note:** The effective date on the bond \\(if applicable\\) will be the date the bond is signed in NMLS by the surety entity.\n\n    A surety bond producer identified by the surety company during the bond creation process will become eligible to act as broker of record on the bond after the bond has been signed by the licensee.\n\n9.  A **Not Formed in US** option is available at the bottom of the drop down for electronic surety bonds requiring **State of Formation** for the licensee or surety company.\n\n10. Confirm that the correct license type has been selected.\n\n11. Click the **Save & Proceed** button.\n\n    \n\n12. Reviewall information in the bond rendered. At the bottom of the page, check the box to attest, then select the **Sign** button.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ESB_createNewBond_2.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ESB_createNewBond_2.md",
      "headings": [
        "Create a New Bond {#nmlsPG_createANewBond .task}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ESB_createNewBond_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ESB_createNewBond_3.md:chunk-0",
      "title": "Create a New Bond {#nmlsPG_createANewBond .task}",
      "content": "# Create a New Bond \n\nHow to use the Surety Bond Management screen in NMLS as a surety bond company to create bonds for licensees.\n\nInstructions on executing and delivering a surety bond or a surety bond rider can be found at Surety Company Guide\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Select the **Tasks** tab.\n\n4.  Select **Surety Bond Management**.\n\n5.  Seelct **Create New Bond or Report BOR**.\n\n    This will display a list of all licensees who have granted you authority to create bonds on their behalf.\n\n6.  Select the **Create Bond** button next to the licensee you will be creating a bond for.\n\n    \n\n7.  Provide the requested information.\n\n    Fields will automatically adjust based on requirements of the state and license type selected.\n\n8.  When creating a bond in NMLS to replace an existing paper bond previously provided to the Regulator, known as a bond conversion, select the **Converted** radio button and provide the existing information.\n\n    **Note:** The effective date on the bond \\(if applicable\\) will be the date the bond is signed in NMLS by the surety entity.\n\n    A surety bond producer identified by the surety company during the bond creation process will become eligible to act as broker of record on the bond after the bond has been signed by the licensee.\n\n9.  A **Not Formed in US** option is available at the bottom of the drop down for electronic surety bonds requiring **State of Formation** for the licensee or surety company.\n\n10. Confirm that the correct license type has been selected.\n\n11. Click the **Save & Proceed** button.\n\n    \n\n12. Reviewall information in the bond rendered. At the bottom of the page, check the box to attest, then select the **Sign** button.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ESB_createNewBond_3.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ESB_createNewBond_3.md",
      "headings": [
        "Create a New Bond {#nmlsPG_createANewBond .task}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ESB_createNewBond_3.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ESB_nmlsElectronicSuretyBond.md:chunk-0",
      "title": "Chapter IX—NMLS Electronic Surety Bond \\(ESB\\) {#nmlsPG_nmlsElectronicSuretyBondEsb .concept}",
      "content": "# Chapter IX—NMLS Electronic Surety Bond \\(ESB\\) \n\nMany state laws or regulations require financial services licensees to obtain a surety bond as a condition of licensure.\n\nState regulators or consumers can file claims against a surety bond to cover fines or penalties assessed or to provide restitution to consumers due to the failure of a licensee to comply with licensing or statutory requirements.\n\nIn addition, Title V of P.L. 110-289, the **Secure and Fair Enforcement for Mortgage Licensing Act of 2008 \\(“SAFE Act”\\)** requires that applicants have met “…either a net worth or surety bond requirement or paid into a State fund…” in **12 USC §5104\\(b\\)\\(6\\)**. State regulations define the specific surety bond requirements \\(e.g., amount of coverage\\) that must be satisfied to obtain, maintain, and renew a license in the state.\n\nElectronic Surety Bond Tracking in NMLS will allow for the tracking of surety bond requirements and the maintenance of surety bond information validated by authorized Surety Companies and/or Surety Bond Producers.\n\n-   **Resources**  \nTerms,definitions, and instructions for Electronic Surety Bonds can be found on the NMLS Resource Center Electronic Surety Bonds page.\n-   **Bond Creation**  \nThe bond form is created by the Regulator. This form is then rendered in NMLS and any NMLS licensee specific information required by the Regulator is then prompted to be provided.\n-   **Surety Company Account Creation Process Flow**  \nFlow chart diagramming the process of creating an NMLS account for a Surety Company.\n-   **Completing the Surety Company Limited Account Request**  \n\n-   **Completing the Surety Company Full Entity Request**  \nTo complete the surety company account request, the Primary Company Contact will need to log in to NMLS and complete the Surety Company Full Entity Request.\n-   **Completing the Surety Bond Producer Account Request Form**  \n\n-   **Create a New Bond**  \nHow to use the Surety Bond Management screen in NMLS as a surety bond",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ESB_nmlsElectronicSuretyBond.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ESB_nmlsElectronicSuretyBond.md",
      "headings": [
        "Chapter IX—NMLS Electronic Surety Bond \\(ESB\\) {#nmlsPG_nmlsElectronicSuretyBondEsb .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ESB_nmlsElectronicSuretyBond.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ESB_nmlsElectronicSuretyBond.md:chunk-1",
      "title": "Chapter IX—NMLS Electronic Surety Bond \\(ESB\\) {#nmlsPG_nmlsElectronicSuretyBondEsb .concept}",
      "content": "urety Company Full Entity Request.\n-   **Completing the Surety Bond Producer Account Request Form**  \n\n-   **Create a New Bond**  \nHow to use the Surety Bond Management screen in NMLS as a surety bond company to create bonds for licensees.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ESB_nmlsElectronicSuretyBond.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ESB_nmlsElectronicSuretyBond.md",
      "headings": [
        "Chapter IX—NMLS Electronic Surety Bond \\(ESB\\) {#nmlsPG_nmlsElectronicSuretyBondEsb .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ESB_nmlsElectronicSuretyBond.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ESB_resources.md:chunk-0",
      "title": "Resources {#nmlsPG_resources .concept}",
      "content": "# Resources \n\nTerms,definitions, and instructions for Electronic Surety Bonds can be found on the NMLS Resource Center Electronic Surety Bonds page.\n\n**Parent topic:**Chapter IX—NMLS Electronic Surety Bond \\(ESB\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ESB_resources.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ESB_resources.md",
      "headings": [
        "Resources {#nmlsPG_resources .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ESB_resources.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ESB_suretyCompAcctCreateProcessFlow.md:chunk-0",
      "title": "Surety Company Account Creation Process Flow {#nmlsPG_suretyCompanyAccountCreationProcessFlow .concept}",
      "content": "# Surety Company Account Creation Process Flow \n\nFlow chart diagramming the process of creating an NMLS account for a Surety Company.\n\n**Parent topic:**Chapter IX—NMLS Electronic Surety Bond \\(ESB\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ESB_suretyCompAcctCreateProcessFlow.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ESB_suretyCompAcctCreateProcessFlow.md",
      "headings": [
        "Surety Company Account Creation Process Flow {#nmlsPG_suretyCompanyAccountCreationProcessFlow .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ESB_suretyCompAcctCreateProcessFlow.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_FAQ_workRemote.md:chunk-0",
      "title": "Work Remote FAQs {#xd_04f819f33ba49da4--e39a9ad-19a8d59a6f5--7fca .concept}",
      "content": "# Work Remote FAQs \n\nFrequently asked questions about working remote.\n\n**Important:** The information contained herein is not legal advice and should not be construed as such but, instead, is provided for informational purposes only. Please consult independent counsel for any legal questions related to this document.\n\n## Requirements \n\n1. Who must complete the work remote details?\n:   **Answer:**\n\n    A company will be required to indicate, to the best of its knowledge, the work remote status for each of its MLOs.\n\n    Companies should consult state specific requirements in the State Licensing Checklist Compiler.\n\n2. When must this be done?\n:   **Answer:**\n\n    Work remote status must be completed for any MLO a company employs after September 20, 2025 \\(the date the work remote functionality was deployed in NMLS\\).\n\n    Existing relationships must be updated with the remote status but are not required to be updated ahead of 2026 renewals. To prepare for 2027 renewals, companies will be directed to complete their MLO work remote status details no later than August 31, 2026.\n\n3.Why does it matter where the MLO works?\n:   **Answer:**\n\n    Many state statutes have specific work location requirements for MLOs and there are also employment/human resources considerations.\n\n4. Where do I go to find out which states allow work remote and if there are any special state specific requirements?\n:   **Answer:**\n\n    Whether remote work is allowed for an MLO and whether there are any requirements associated with remote work can be found on the state checklists and on the Individual tab of the Licensing and Requirement Fee Chart.\n\n    If you have a question or are in doubt, you should consult your state regulator.\n\n    State and Federal Contact Information\n\n5. Does an MLO’s home need to be licensed or registered as a branch?\n:   **Answer:**\n\n    This is dependent on state law. Once a home is licensed or registered as a branch for one state, it could be deemed a branch for other sta",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_FAQ_workRemote.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_FAQ_workRemote.md",
      "headings": [
        "Work Remote FAQs {#xd_04f819f33ba49da4--e39a9ad-19a8d59a6f5--7fca .concept}",
        "Requirements {#section_c3s_zfr_jhc .section}",
        "Terms {#section_ej5_gtr_jhc .section}",
        "Work Remote Status {#section_s3x_zkr_jhc .section}",
        "License Association {#section_hnb_hkr_jhc .section}",
        "Miscellaneous {#section_bs4_f3r_jhc .section}",
        "Updates to Required Information {#section_w3z_1gr_jhc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_FAQ_workRemote.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_FAQ_workRemote.md:chunk-1",
      "title": "Work Remote FAQs {#xd_04f819f33ba49da4--e39a9ad-19a8d59a6f5--7fca .concept}",
      "content": "o be licensed or registered as a branch?\n:   **Answer:**\n\n    This is dependent on state law. Once a home is licensed or registered as a branch for one state, it could be deemed a branch for other states. Consult your state regulator if you have questions.\n\n    State and Federal Contact Information\n\n## Terms \n\n6. Are the terms “work remote” and “remote work” interchangeable?\n:   **Answer:**\n\n    Yes.\n\n7. What does it mean to work remotely? What activity is considered working remotely?\n:   **Answer:**\n\n    The term work remote is defined as an MLO that is conducting licensable mortgage loan origination activity at a location that is not managed by the company.\n\n8. I understand that as a company, I must sponsor my MLO’s licenses. What is a supervised location and why do I have to list a supervised location for each MLO?\n:   **Answer:**\n\n    Many states require sponsorship in connection with an MLO license. Sponsorship denotes that an MLO’s licensed activities are appropriately supervised by their employer for the individual to be eligible to hold an approved active license status in a state.\n\n    For users working from a company location, the supervised location is the company or branch location that an MLO works from. In the case of an individual that is fully remote, the supervised location is an assigned location noted in the company relationship section from which the individual is supervised.\n\n## Work Remote Status \n\n9. One of our MLOs is office-centric, but there are rare occasions when the MLO may have a family emergency or a sick child that necessitates their working from home. Do I need to list the MLO as hybrid?\n:   **Answer:**\n\n    No. Office-centric is defined as working **primarily** from a licensed company or branch location. Rare occasions that necessitate remote work would not contradict the office-centric status.\n\n10. Isn’t it safer to just say all my licensees are hybrid?\n:   **Answer:**\n\n    While this may seem like a safe option, the status reporte",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_FAQ_workRemote.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_FAQ_workRemote.md",
      "headings": [
        "Work Remote FAQs {#xd_04f819f33ba49da4--e39a9ad-19a8d59a6f5--7fca .concept}",
        "Requirements {#section_c3s_zfr_jhc .section}",
        "Terms {#section_ej5_gtr_jhc .section}",
        "Work Remote Status {#section_s3x_zkr_jhc .section}",
        "License Association {#section_hnb_hkr_jhc .section}",
        "Miscellaneous {#section_bs4_f3r_jhc .section}",
        "Updates to Required Information {#section_w3z_1gr_jhc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_FAQ_workRemote.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_FAQ_workRemote.md:chunk-2",
      "title": "Work Remote FAQs {#xd_04f819f33ba49da4--e39a9ad-19a8d59a6f5--7fca .concept}",
      "content": "remote work would not contradict the office-centric status.\n\n10. Isn’t it safer to just say all my licensees are hybrid?\n:   **Answer:**\n\n    While this may seem like a safe option, the status reported must be accurate. There are also some states that do not allow work remote. See the state-specific checklist for details.\n\n11. If I list an MLO’s work remote status as hybrid, does that mean the MLO works remote and in an office for all their licenses?\n:   **Answer:**\n\n    Not necessarily. If an MLO is hybrid the company will be required to indicate for which licenses the MLO works remote \\(“License Association”\\). It is understood for any license not chosen during the license association process, the MLO is office-centric.\n\n12. Do I list an MLO’s status as hybrid if there are some states for which they only conduct origination activity in an office?\n:   **Answer:**\n\n    Yes. See question 15 for more information.\n\n13. What do I do if the MLO is fully remote in the summer and office-centric the rest of the year?\n:   **Answer:**\n\n    In this instance it is suggested the MLO work status be Hybrid.\n\n14. Will an MLO’s work remote status appear on Consumer Access?\n:   **Answer:**\n\n    No\n\n## License Association \n\n15. What’s a License Association?\n:   **Answer:**\n\n    If an MLO is fully remote or hybrid, the company must indicate which licenses the MLO conducts licensed activity remotely by selecting the appropriate licenses in the **License Association** drop-down.\n\n16. I am fully remote, do I still have to list the licenses for which I work remote?\n:   **Answer:**\n\n    Yes. This serves to affirm that the MLO works remotely for all the licenses the MLO holds.\n\n17. How will a state know if a hybrid or fully remote MLO designates their state as work remote?\n:   **Answer:**\n\n    If an MLO’s work remote status is either hybrid or fully remote the company will have to indicate which license\\(s\\) the MLO works remotely. MLO licenses NOT chosen will be interpreted to mean the work",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_FAQ_workRemote.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_FAQ_workRemote.md",
      "headings": [
        "Work Remote FAQs {#xd_04f819f33ba49da4--e39a9ad-19a8d59a6f5--7fca .concept}",
        "Requirements {#section_c3s_zfr_jhc .section}",
        "Terms {#section_ej5_gtr_jhc .section}",
        "Work Remote Status {#section_s3x_zkr_jhc .section}",
        "License Association {#section_hnb_hkr_jhc .section}",
        "Miscellaneous {#section_bs4_f3r_jhc .section}",
        "Updates to Required Information {#section_w3z_1gr_jhc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_FAQ_workRemote.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_FAQ_workRemote.md:chunk-3",
      "title": "Work Remote FAQs {#xd_04f819f33ba49da4--e39a9ad-19a8d59a6f5--7fca .concept}",
      "content": "f an MLO’s work remote status is either hybrid or fully remote the company will have to indicate which license\\(s\\) the MLO works remotely. MLO licenses NOT chosen will be interpreted to mean the work status for that specific license is office-centric.\n\n18. Will state regulators see all of an MLO’s license associations or just the license association of the state the regulator is in?\n:   **Answer:**\n\n    Yes. State regulators will see all the MLO’s license associations.\n\n## Miscellaneous \n\n19. If an MLO is fully remote will their home address appear on Consumer Access?\n:   **Answer:**\n\n    No\n\n20. If I have an MLO that works from more than one location, can I designate which location is the supervised location?\n:   **Answer:**\n\n    No. System functionality does not allow for this.\n\n21. What do I do if a state considers an MLO’s work remote location to be a branch location?\n:   **Answer:**\n\n    The location will need to be licensed or registered as a branch. See question 5 for additional requirements.\n\n## Updates to Required Information \n\n22. How often do I have to update work remote status?\n:   **Answer:**\n\n    A company needs to update the work remote status for an MLO as soon as practicable after it changes or if the MLO obtains a new license.\n\n    Companies should consult state specific requirements for any change notice deadlines.\n\n23. What happens if an MLO moves and/or changes locations?\n:   **Answer:**\n\n    The company needs to update the MLO’s work location as soon as possible. If the MLO changes their residence, which is their work remote location, they must update their record as soon as possible.\n\n    Companies should consult state specific requirements for any change notice deadlines.\n\n24. What happens if I don’t update my work remote status?\n:   **Answer:**\n\n    A regulator may post a license item or take other action against the MLO’s license.\n\n25. Can a regulator reject or take action against my work remote status or location?\n:   **Answer:**\n\n    Yes",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_FAQ_workRemote.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_FAQ_workRemote.md",
      "headings": [
        "Work Remote FAQs {#xd_04f819f33ba49da4--e39a9ad-19a8d59a6f5--7fca .concept}",
        "Requirements {#section_c3s_zfr_jhc .section}",
        "Terms {#section_ej5_gtr_jhc .section}",
        "Work Remote Status {#section_s3x_zkr_jhc .section}",
        "License Association {#section_hnb_hkr_jhc .section}",
        "Miscellaneous {#section_bs4_f3r_jhc .section}",
        "Updates to Required Information {#section_w3z_1gr_jhc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_FAQ_workRemote.html",
      "snippet": null
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    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_FAQ_workRemote.md:chunk-4",
      "title": "Work Remote FAQs {#xd_04f819f33ba49da4--e39a9ad-19a8d59a6f5--7fca .concept}",
      "content": "\n\n    A regulator may post a license item or take other action against the MLO’s license.\n\n25. Can a regulator reject or take action against my work remote status or location?\n:   **Answer:**\n\n    Yes. If a company sets an MLO’s work location status to something that does not conform to an agency’s licensing requirements, the regulator may initiate an action.\n\n**Parent topic:**Employment\\*",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_FAQ_workRemote.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_FAQ_workRemote.md",
      "headings": [
        "Work Remote FAQs {#xd_04f819f33ba49da4--e39a9ad-19a8d59a6f5--7fca .concept}",
        "Requirements {#section_c3s_zfr_jhc .section}",
        "Terms {#section_ej5_gtr_jhc .section}",
        "Work Remote Status {#section_s3x_zkr_jhc .section}",
        "License Association {#section_hnb_hkr_jhc .section}",
        "Miscellaneous {#section_bs4_f3r_jhc .section}",
        "Updates to Required Information {#section_w3z_1gr_jhc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_FAQ_workRemote.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_MCR_components.md:chunk-0",
      "title": "Mortgage Call Report Components {#nmlsPG_mortgageCallReportComponents .concept}",
      "content": "# Mortgage Call Report Components \n\nComponents which the system has determined are required, based on licenses status and obligations, are automatically rendered on this screen. Companies may add additional components to satisfy additional requirements.\n\nThe Mortgage Call Report \\(MCR\\) Components screen lists all available MCR Components associated with an MCR Filing.\n\nMCR filings contain two components: the financial condition and the Residential Mortgage Loan Activity Report.\n\n## Financial Condition \n\nThe Financial Condition \\(FC\\) contains the company’s financial data. For Standard filers, the FC is required to be filed annually, no later than 90 days after the fiscal year end. For Expanded filers, the FC is filed quarterly. For information on who qualifies as a Standard or Expanded filer, please see Mortgage Call Report \\(MCR\\) User Guide \\(v6\\).\n\n## Residential Mortgage Loan Activity \\(RMLA\\) \n\nThe RMLA contains information about the mortgage activities for a company and its Mortgage Loan Originators \\(MLOs\\). The RMLA has two components that contain company-level and state-specific information. The company-level RMLA component contains information related to lines of credit and nationwide servicing information, and is completed once within a filing. It is shared with each state where a company is licensed / registered. The state-specific RMLA components, which are completed for each state where a company is licensed/registered, collects application, closed loan, individual MLO, Line of Credit, servicing, and repurchase information by state. If a company holds licenses in multiple states, it will need to complete a single company- level RMLA, and a state-specific RMLA component for each state it’s licensed in, even if there was no activity during the reporting period. The RMLA is required to be filed quarterly for both Standard and Expanded filers. Companies can submit the RMLA for additional states if necessary.\n\nNMLS will determine the required filing type b",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_MCR_components.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_MCR_components.md",
      "headings": [
        "Mortgage Call Report Components {#nmlsPG_mortgageCallReportComponents .concept}",
        "Financial Condition {#section_opc_lzx_5dc .section}",
        "Residential Mortgage Loan Activity \\(RMLA\\) {#section_ppc_lzx_5dc .section}",
        "Explanatory Notes {#section_qpc_lzx_5dc .section}",
        "File Upload {#section_rpc_lzx_5dc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_MCR_components.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_MCR_components.md:chunk-1",
      "title": "Mortgage Call Report Components {#nmlsPG_mortgageCallReportComponents .concept}",
      "content": "iod. The RMLA is required to be filed quarterly for both Standard and Expanded filers. Companies can submit the RMLA for additional states if necessary.\n\nNMLS will determine the required filing type based on the year and period selected as well as the company’s GSE-approval status \\(Fannie Mae or Freddie Mac Seller/Servicer or a Ginnie Mae Issuer\\).\n\nCompanies may add additional RMLA component\\(s\\) for any state\\(s\\) that NMLS did not automatically create based on the company’s licensure/registration status. To add an RMLA component, see Completing the RMLA Component.\n\n**Note:** NMLS will not automatically create the required state-specific RMLA component for Oregon. Companies with license/registration in Oregon will need to manually add the state-specific RMLA component.\n\n## Explanatory Notes \n\nThe Explanatory Notes section is a text field where a company user can provide additional information to the regulator. This field is optional unless there are outstanding data warning messages as described in the Completeness Checks and Warnings section.\n\nAll completeness check errors must be corrected before a component can be marked as `Ready to Submit`. The presence of data warning messages does not prevent submission of the filing, but you must provide an explanatory note acknowledging that you accept the warnings prior to marking the component as `Ready to Submit`.\n\nState agencies will often ask for an explanatory note to be provided any time a Mortgage Call Report \\(MCR\\) component is amended.\n\nEach component must be in a `Ready to Submit` status to submit the MCR filing on the Mortgage Call Report Component screen.\n\n## File Upload \n\nNMLS provides company users with the ability to submit an MCR filing either through manual data entry within NMLS, or through an upload of a properly formatted XML file to NMLS. The upload feature may be used to create an initial MCR filing, change information on a pending MCR filing, or amend information on a previously submitted MCR fil",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_MCR_components.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_MCR_components.md",
      "headings": [
        "Mortgage Call Report Components {#nmlsPG_mortgageCallReportComponents .concept}",
        "Financial Condition {#section_opc_lzx_5dc .section}",
        "Residential Mortgage Loan Activity \\(RMLA\\) {#section_ppc_lzx_5dc .section}",
        "Explanatory Notes {#section_qpc_lzx_5dc .section}",
        "File Upload {#section_rpc_lzx_5dc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_MCR_components.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_MCR_components.md:chunk-2",
      "title": "Mortgage Call Report Components {#nmlsPG_mortgageCallReportComponents .concept}",
      "content": " properly formatted XML file to NMLS. The upload feature may be used to create an initial MCR filing, change information on a pending MCR filing, or amend information on a previously submitted MCR filing.\n\n**Parent topic:**Mortgage Call Report \\(MCR\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_MCR_components.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_MCR_components.md",
      "headings": [
        "Mortgage Call Report Components {#nmlsPG_mortgageCallReportComponents .concept}",
        "Financial Condition {#section_opc_lzx_5dc .section}",
        "Residential Mortgage Loan Activity \\(RMLA\\) {#section_ppc_lzx_5dc .section}",
        "Explanatory Notes {#section_qpc_lzx_5dc .section}",
        "File Upload {#section_rpc_lzx_5dc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_MCR_components.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_MCR_mortCallRpt.md:chunk-0",
      "title": "Mortgage Call Report {#nmlsPG_mortgageCallReport .concept}",
      "content": "# Mortgage Call Report \n\nThe Mortgage Call Report is a quarterly report on condition which collects activity and financial activity of a company and their mortgage loan originators \\(MLOs\\). Companies holding one or more state licenses or state registrations through NMLS or employing state-licensed MLOs during a calendar quarter are required to complete a Mortgage Call Report \\(MCR\\).\n\nThe MCR contains two components: the Residential Mortgage Loan Activity Report and the financial condition. The RMLA component collects application, closed loan, individual MLO, Line of Credit, servicing, and repurchase information by state, in addition to company level information related to lines of credit and nationwide servicing information.\n\nThe FC component collects financial information at the company level; it does not have to be completed on a per state basis.\n\nFannieMae, Freddie Mac Sellers / Services and / or Ginnie Mae Issuers must submit an Expanded MCR. All other companies are required to submit the Standard MCR.\n\n**Parent topic:**Mortgage Call Report \\(MCR\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_MCR_mortCallRpt.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_MCR_mortCallRpt.md",
      "headings": [
        "Mortgage Call Report {#nmlsPG_mortgageCallReport .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_MCR_mortCallRpt.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_MCR_subsection-1.md:chunk-0",
      "title": "Mortgage Call Report \\(MCR\\) {#nmlsPG_mortgageCallReportMcr_0 .concept}",
      "content": "# Mortgage Call Report \\(MCR\\) \n\nThe Mortgage Call Report \\(MCR\\) must be completed by all state-licensed companies and companies employing state licensed mortgage loan originators \\(MLOs\\).\n\nCompanies will complete a single MCR filing each quarter containing one or more Residential Mortgage Loan Activity Report components. Companies reporting mortgage lending or servicing business activities must also complete the financial condition component each quarter.\n\nCompanies reporting brokering business activities complete the FC component annually at the calendar year end.\n\nFiling\n:   The MCR functionality is found under the Filing tab for a company user.\n\nTerms used\n:   Terms, definitions, and instructions for the MCR can be found in the Mortgage Call Report \\(MCR\\) User Guide \\(v6\\).\n\nState Specific Supplemental Form \\(SSSF\\)\n:   A small number of states require the SSSF to be submitted by specific licensees. The list of states that require the SSSF and state-specific guidance on SSSF submissions can be found in the Mortgage Call Report \\(MCR\\) User Guide \\(v6\\).\n\nCompany specific reports will not be made publicly available by NMLS. NMLS may aggregate data and release aggregated data to the public at a future date. State regulators may be subject to state public records law requirements to make the state's MCR information available to the public in certain circumstances.\n\nThe MCR is due 45 days from the end of each calendar quarter. Companies reporting brokering business activities must submit the Financial Condition \\(FC\\) component no later than 90 days from the calendar year end.\n\n-   **Mortgage Call Report**  \nThe Mortgage Call Report is a quarterly report on condition which collects activity and financial activity of a company and their mortgage loan originators \\(MLOs\\). Companies holding one or more state licenses or state registrations through NMLS or employing state-licensed MLOs during a calendar quarter are required to complete a Mortgage Call Report \\(MCR\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_MCR_subsection-1.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_MCR_subsection-1.md",
      "headings": [
        "Mortgage Call Report \\(MCR\\) {#nmlsPG_mortgageCallReportMcr_0 .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_MCR_subsection-1.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_MCR_subsection-1.md:chunk-1",
      "title": "Mortgage Call Report \\(MCR\\) {#nmlsPG_mortgageCallReportMcr_0 .concept}",
      "content": "s\\). Companies holding one or more state licenses or state registrations through NMLS or employing state-licensed MLOs during a calendar quarter are required to complete a Mortgage Call Report \\(MCR\\).\n-   **Mortgage Call Report Components**  \nComponents which the system has determined are required, based on licenses status and obligations, are automatically rendered on this screen. Companies may add additional components to satisfy additional requirements.\n-   **Mortgage Call Report User Guide**  \nThe mortgage call report \\(MCR\\) is required to be completed by all state licensed companies and companies employing state licensed mortgage loan originators \\(MLOs\\).\n-   **NMLS Business Activity Information**  \n\n-   **Mortgage Call Report Frequently Asked Questions**  \nFrequently asked questions \\(FAQs\\) for the Mortgage Call Report \\(MCR\\) in NMLS.\n\n**Parent topic:**Chapter VIII—Call Reports",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_MCR_subsection-1.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_MCR_subsection-1.md",
      "headings": [
        "Mortgage Call Report \\(MCR\\) {#nmlsPG_mortgageCallReportMcr_0 .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_MCR_subsection-1.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_MCR_subsection.md:chunk-0",
      "title": "Mortgage Call Report \\(MCR\\) {#nmlsPG_mortgageCallReportMcr_0 .concept}",
      "content": "# Mortgage Call Report \\(MCR\\) \n\nThe Mortgage Call Report \\(MCR\\) must be completed by all state-licensed companies and companies employing state licensed mortgage loan originators \\(MLOs\\).\n\nCompanies will complete a single MCR filing each quarter containing one or more Residential Mortgage Loan Activity Report components. Companies reporting mortgage lending or servicing business activities must also complete the financial condition component each quarter.\n\nCompanies reporting brokering business activities complete the FC component annually at the calendar year end.\n\nFiling\n:   The MCR functionality is found under the Filing tab for a company user.\n\nTerms used\n:   Terms, definitions, and instructions for the MCR can be found in the Mortgage Call Report \\(MCR\\) User Guide \\(v6\\).\n\nState Specific Supplemental Form \\(SSSF\\)\n:   A small number of states require the SSSF to be submitted by specific licensees. The list of states that require the SSSF and state-specific guidance on SSSF submissions can be found in the Mortgage Call Report \\(MCR\\) User Guide \\(v6\\).\n\nCompany specific reports will not be made publicly available by NMLS. NMLS may aggregate data and release aggregated data to the public at a future date. State regulators may be subject to state public records law requirements to make the state's MCR information available to the public in certain circumstances.\n\nThe MCR is due 45 days from the end of each calendar quarter. Companies reporting brokering business activities must submit the Financial Condition \\(FC\\) component no later than 90 days from the calendar year end.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_MCR_subsection.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_MCR_subsection.md",
      "headings": [
        "Mortgage Call Report \\(MCR\\) {#nmlsPG_mortgageCallReportMcr_0 .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_MCR_subsection.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_MSBCR_Components.md:chunk-0",
      "title": "MSB Call Report Components {#nmlsPG_msbCallReportComponents .concept}",
      "content": "# MSB Call Report Components \n\nSections, which the system has determined as required, based on license status and state requirements, are automatically rendered on this screen. Companies may add additional sections to satisfy additional requirements.\n\nThe report is comprised of four sections:\n\n1.  Section I: Financial Condition Report \\(At Company Level[^1]\\)\n2.  Section II: Transaction Activity Reporting\n    1.  Company-wide Transactions Detail\n    2.  State Transactions Detail\n3.  Section III: Permissible Investments Report \\(At Company Level\\)\n4.  Section IV: Transactions Destination Country Reporting\n    1.  Company-wide Transactions Destination Country Detail\n    2.  State Transactions Destination Country Detail\n\n**Parent topic:**Money Services Businesses \\(MSB\\) Call Report\n\n[^1]: The financial condition report of the MSB Call Report must be reflective of the licensee and not “rolled-up” or consolidated information of the parent company. The financial statements must be consolidated at the licensee level. Financial condition information includes consolidated financial data for the licensee submitting the report inclusive of its subsidiaries.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_MSBCR_Components.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_MSBCR_Components.md",
      "headings": [
        "MSB Call Report Components {#nmlsPG_msbCallReportComponents .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_MSBCR_Components.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_MSBCR_moneySvcBizCR.md:chunk-0",
      "title": "MSB Call Report {#nmlsPG_msbCallReport .concept}",
      "content": "# MSB Call Report \n\nCompanies holding a relevant MSB license during the calendar quarter will be required to file the NMLS MSB Call Report. The report is only required to be submitted for select licenses in adopting states.\n\nTo view the most recent list of MSB Call Report adopting agencies, please see the Money Services Businesses Call Report User Guide. The NMLS MSB Call Report may only be submitted through NMLS. Therefore, for entities to submit the report, they must have an active record in NMLS.\n\n**Parent topic:**Money Services Businesses \\(MSB\\) Call Report",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_MSBCR_moneySvcBizCR.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_MSBCR_moneySvcBizCR.md",
      "headings": [
        "MSB Call Report {#nmlsPG_msbCallReport .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_MSBCR_moneySvcBizCR.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_MSBCR_subsection-1.md:chunk-0",
      "title": "Money Services Businesses \\(MSB\\) Call Report {#nmlsPG_moneyServicesBusinessesMsbCallReport .concept}",
      "content": "# Money Services Businesses \\(MSB\\) Call Report \n\nThe Money Services Businesses \\(MSB\\) Call Report was developed with the goal of enhancing and standardizing the information available to state regulators concerning the activities of their Money Services Businesses licensees \\(money transmitters, check cashers, prepaid, etc.\\). Licensees can complete the report directly in NMLS.\n\nThe report includes national and state specific MSB activity information that is submitted on a quarterly and annual basis. MSB licensees should consult with their state agencies to determine whether completion of the MSB Call Report is a requirement.\n\nFiling\n:   The MSB Call Report functionality is found under the Filing tab for a company user.\n\nTerms used\n:   Terms, definitions, and instructions for the MSB Call Report can be found in the Money Services Businesses Call Report User Guide.\n\nCompany specific MSB Call Reports are not made publicly available.\n\nCompanies that complete foreign transmittal activity must complete Part IV \\(Destination Country Reporting\\) on an annual basis as part of the Q4 submission.\n\nAll sections of the MSB Call Report are due 45 days from the end of each calendar quarter.\n\n-   **MSB Call Report**  \nCompanies holding a relevant MSB license during the calendar quarter will be required to file the NMLS MSB Call Report. The report is only required to be submitted for select licenses in adopting states.\n-   **MSB Call Report Components**  \nSections, which the system has determined as required, based on license status and state requirements, are automatically rendered on this screen. Companies may add additional sections to satisfy additional requirements.\n-   **Money Services Businesses \\(MSB\\) Call Report**  \nThe Money Services Businesses \\(MSB\\) Call Report was developed with the goal of enhancing and standardizing the information available to state regulators concerning the activities of their Money Services Businesses licensees \\(money transmitters, check cashe",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_MSBCR_subsection-1.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_MSBCR_subsection-1.md",
      "headings": [
        "Money Services Businesses \\(MSB\\) Call Report {#nmlsPG_moneyServicesBusinessesMsbCallReport .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_MSBCR_subsection-1.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_MSBCR_subsection-1.md:chunk-1",
      "title": "Money Services Businesses \\(MSB\\) Call Report {#nmlsPG_moneyServicesBusinessesMsbCallReport .concept}",
      "content": "oped with the goal of enhancing and standardizing the information available to state regulators concerning the activities of their Money Services Businesses licensees \\(money transmitters, check cashers, prepaid, etc.\\). Licensees will be able to complete the report directly in NMLS.\n-   **MSB Call Report: Creating a Filing**  \nThe process for filling the MSB Call Report.\n-   **MSB Call Report: Managing Completeness Checks and Warnings**  \n When completing the MSB Call Report, the System validates the data entered and provides completeness checks or warnings if data is missing or invalid, exceeds certain thresholds, or requires an explanatory note.\n-   **MSB Call Report: Amending a Submitted Report**  \nA submitted MSB Call Report can only be amended within 24 months after the end of the filing period. Amending an MSB Call Report does not reset the 24-month limit.\n\n**Parent topic:**Chapter VIII—Call Reports",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_MSBCR_subsection-1.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_MSBCR_subsection-1.md",
      "headings": [
        "Money Services Businesses \\(MSB\\) Call Report {#nmlsPG_moneyServicesBusinessesMsbCallReport .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_MSBCR_subsection-1.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_MSBCR_subsection.md:chunk-0",
      "title": "Money Services Businesses \\(MSB\\) Call Report {#nmlsPG_moneyServicesBusinessesMsbCallReport .concept}",
      "content": "# Money Services Businesses \\(MSB\\) Call Report \n\nThe Money Services Businesses \\(MSB\\) Call Report was developed with the goal of enhancing and standardizing the information available to state regulators concerning the activities of their Money Services Businesses licensees \\(money transmitters, check cashers, prepaid, etc.\\). Licensees can complete the report directly in NMLS.\n\nThe report includes national and state specific MSB activity information that is submitted on a quarterly and annual basis. MSB licensees should consult with their state agencies to determine whether completion of the MSB Call Report is a requirement.\n\nFiling\n:   The MSB Call Report functionality is found under the Filing tab for a company user.\n\nTerms used\n:   Terms, definitions, and instructions for the MSB Call Report can be found in the Money Services Businesses Call Report User Guide.\n\nCompany specific MSB Call Reports are not made publicly available.\n\nCompanies that complete foreign transmittal activity must complete Part IV \\(Destination Country Reporting\\) on an annual basis as part of the Q4 submission.\n\nAll sections of the MSB Call Report are due 45 days from the end of each calendar quarter.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_MSBCR_subsection.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_MSBCR_subsection.md",
      "headings": [
        "Money Services Businesses \\(MSB\\) Call Report {#nmlsPG_moneyServicesBusinessesMsbCallReport .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_MSBCR_subsection.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_TA_ApplicationReqs.md:chunk-0",
      "title": "TA Application Requirements {#nmlsPG_taApplicationRequirements .concept}",
      "content": "# TA Application Requirements \n\nAn MLO application will enter the TA workflow if the above eligibility requirements are met and the application includes:\n\n1.  A completed Individual Form \\(MU4\\), which contains personal history and experience;\n2.  An explanation and supporting documentation uploads for any **Yes** answer to a Disclosure Question;\n3.  The receipt of a criminal history record information check from the FBI;\n4.  Authorization to obtain a credit report;\n5.  **W2-Employee** is selected for the Worker Classification in the applicant’s company relationship; and\n6.  A request for sponsorship from the MLO’s employer.\n\nA complete application for **licensure** must also include:\n\n1.  The submission of any State-specific documents \\(if applicable\\). See the State Licensing Checklist Compiler to determine any state-specific requirements for each MLO license.\n2.  The passing of the **SAFE Act** Test. \\(See MLO Education and Testing Guide.\\)\n3.  Completion of pre-licensure education courses.\n\n**Note:** An eligible individual can submit an MLO license application without passing the **SAFE Act** Test or meeting Pre-Licensure education requirements and be deemed to have TA.\n\n-   **Temporary Authority to Operate \\(TA\\) FAQs for Mortgage Loan Originators**  \nQuestions asked by Mortgage Loan Originators about Temporary Authority.\n\n**Parent topic:**Chapter VI—Temporary Authority to Operate",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_TA_ApplicationReqs.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_TA_ApplicationReqs.md",
      "headings": [
        "TA Application Requirements {#nmlsPG_taApplicationRequirements .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_TA_ApplicationReqs.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_TA_CHRI.md:chunk-0",
      "title": "Criminal History Record Information \\(CHRI\\) {#nmlsPG_criminalHistoryRecordInformationChri .concept}",
      "content": "# Criminal History Record Information \\(CHRI\\) \n\nThere is a 2-Day / 9-Day CHRI review process for applications in the TA workflow.\n\nIf a state receives an application with CHRI, they have two business days to perform the initialreview of the CHRI. If CHRI is cleared, the MLO will remain eligible for TA, pending all other eligibility requirements. If a Background Check license item is set, the review period will be extended to nine business days. At the time the Background Check license item is set, the state regulator will request additional information from the applicant. During this review period, the applicant needs to provide the requested information by the date requested by the regulator so that the state can review the supplied information within the nine business days.\n\nIf a state fails to place a Background Check license item on an application with CHRI within two business days, the system will update the application status to an active Temporary Authority status.\n\nIf a state places a Background Check license item on an application with CHRI and then removesit, the system will update the application status to an active Temporary Authority status.\n\nIf a state places a `Background Check` license item on an application with CHRI and the MLO does not respond, the state will need to act, by either issuing an `Intent to Deny` license item or denying the application. An intent to deny would end TA in the application state; a denial would end TA in all states.\n\n**Note:** If an MLO is aware that they have criminal history, they should be prepared to submit their explanatory documentation at application submission to the regulator in the method that they require.\n\nIf a state places a Background Check license item on an application with CHRI and the MLO does not respond and the state does not act, at the end of nine business days the system will automatically update the application status to an active Temporary Authority status.\n\nIf sufficient documentation is receive",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_TA_CHRI.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_TA_CHRI.md",
      "headings": [
        "Criminal History Record Information \\(CHRI\\) {#nmlsPG_criminalHistoryRecordInformationChri .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_TA_CHRI.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_TA_CHRI.md:chunk-1",
      "title": "Criminal History Record Information \\(CHRI\\) {#nmlsPG_criminalHistoryRecordInformationChri .concept}",
      "content": "nd the state does not act, at the end of nine business days the system will automatically update the application status to an active Temporary Authority status.\n\nIf sufficient documentation is received from the MLO, the Background Check license item can be removed by the state regulator immediately.\n\n**Parent topic:**Chapter VI—Temporary Authority to Operate",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_TA_CHRI.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_TA_CHRI.md",
      "headings": [
        "Criminal History Record Information \\(CHRI\\) {#nmlsPG_criminalHistoryRecordInformationChri .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_TA_CHRI.html",
      "snippet": null
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    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_TA_FAQ.md:chunk-0",
      "title": "Temporary Authority to Operate \\(TA\\) FAQs for Mortgage Loan Originators {#xd_a613491c7c4123ce-6e303606-19a4563c285--7ffc .concept}",
      "content": "# Temporary Authority to Operate \\(TA\\) FAQs for Mortgage Loan Originators \n\nQuestions asked by Mortgage Loan Originators about Temporary Authority.\n\n**Important:** This information is not intended to provide legal advice and should not be relied upon in lieu of consultation with an attorney. The materials have been prepared for education and information purposes only.\n\n## Background \n\nThe **Economic Growth, Regulatory Relief, and Consumer Protection Act \\(S. 2155 or the Act\\)** was signed into law on May 24, 2018. The Act adds a new section to the federal **SAFE Act \\(12 U.S.C. 5101 et seq**.\\) entitled “Employment Transition of Loan Originators.” This section became effective November 24, 2019.\n\n## What the Law Permits \n\nWhat is “Temporary Authority” to act as a mortgage loan originator \\(MLO\\) provided by the amendments?”\n:   Temporary Authority to act as a loan originator permits: 1\\) qualified MLOs who are changing employment from a depository institution[^1] to a state-licensed mortgage company, and 2\\) qualified state-licensed MLOs seeking licensure in another state, to originate loans while completing any state-specific requirements for licensure such as education or testing.\n\nWho is eligible for Temporary Authority?\n:   MLOs must be:\n\n    1.  employed by a state-licensed mortgage company in the application-state, and\n    2.  either:\n        1.  registered in NMLS as an MLO continuously during the one-year period preceding the application submission; or\n        2.  licensed as an MLO continuously during the 30-day period preceding the date of application.\n\nWhat would disqualify an MLO from receiving Temporary Authority?\n:   MLOs who have:\n\n    1.  had an MLO license application denied or an MLO license revoked or suspended in any jurisdiction;\n    2.  been subject to, or served with, a cease and desist order; or\n    3.  been convicted of a misdemeanor or felony that would preclude licensure under the law of the application state.\n\nHow long can an MLO operate",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_TA_FAQ.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_TA_FAQ.md",
      "headings": [
        "Temporary Authority to Operate \\(TA\\) FAQs for Mortgage Loan Originators {#xd_a613491c7c4123ce-6e303606-19a4563c285--7ffc .concept}",
        "Background {#section_sj2_smr_2hc .section}",
        "What the Law Permits {#section_bzt_ymr_2hc .section}",
        "Frequently Asked Questions {#section_spd_s4r_2hc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_TA_FAQ.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_TA_FAQ.md:chunk-1",
      "title": "Temporary Authority to Operate \\(TA\\) FAQs for Mortgage Loan Originators {#xd_a613491c7c4123ce-6e303606-19a4563c285--7ffc .concept}",
      "content": "ct to, or served with, a cease and desist order; or\n    3.  been convicted of a misdemeanor or felony that would preclude licensure under the law of the application state.\n\nHow long can an MLO operate under Temporary Authority?\n:   Temporary Authority begins on the date an eligible MLO submits a license application with the required background check information \\(fingerprints, personal history and experience, and authorization for a credit report as required in **12 USC 5104\\(a\\)**\\), assuming there is no disqualifying event. It ends when the earliest of the following occurs:\n\n    1.  the MLO withdraws the application,\n    2.  the state denies or issues a notice of intent to deny the application,\n    3.  the state grants the license, or\n    4.  120 days after the application submission if the application is listed on NMLS as incomplete.\n\nWhat authority does the state regulator have with regard to MLOs operating under a Temporary Authority?\n:   The amendments specify that any MLO operating under Temporary Authority is subject to the requirements of the federal SAFE Act, and all applicable laws of the application state, to the same extent as if that MLO was a state-licensed loan originator licensed by the state.\n\n## Frequently Asked Questions \n\n1. As it pertains to**S. 2155**, will an MLO apply for a Temporary Authority license?\n:   No. An MLO applies for an MLO license and, if eligible, receives Temporary Authority.\n\n2. When can a registered mortgage loan originator \\(RMLO\\) or a state licensed MLO apply for an MLO license and originate mortgages under Temporary Authority?\n:   The amendment states that Temporary Authority “shall take effect on the date that is 18 months after the date of enactment…” The amendments were enacted on May 24, 2018; therefore, MLOs cannot apply for a license and become eligible for Temporary Authority until November 24, 2019.\n\n3. How is eligibility for Temporary Authority evaluated?\n:   NMLS will be programmed to check certain elements of ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_TA_FAQ.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_TA_FAQ.md",
      "headings": [
        "Temporary Authority to Operate \\(TA\\) FAQs for Mortgage Loan Originators {#xd_a613491c7c4123ce-6e303606-19a4563c285--7ffc .concept}",
        "Background {#section_sj2_smr_2hc .section}",
        "What the Law Permits {#section_bzt_ymr_2hc .section}",
        "Frequently Asked Questions {#section_spd_s4r_2hc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_TA_FAQ.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_TA_FAQ.md:chunk-2",
      "title": "Temporary Authority to Operate \\(TA\\) FAQs for Mortgage Loan Originators {#xd_a613491c7c4123ce-6e303606-19a4563c285--7ffc .concept}",
      "content": "y for a license and become eligible for Temporary Authority until November 24, 2019.\n\n3. How is eligibility for Temporary Authority evaluated?\n:   NMLS will be programmed to check certain elements of eligibility such as whether Criminal History Record Information \\(CHRI\\) exists and if an applicant has had an MLO license application denied, revoked, or suspended in any jurisdiction. NMLS will also be able to check the last date of registration for a federal MLO moving to a state-licensed company. Regulators may also need to manually check other elements of eligibility including the MLO’s CHRI and cease and desist orders to make sure there is no disqualifying event. If an applicant is aware of a CHRI item that may require further review by a regulator, available documentation should be made accessible to the state upon application submission.\n\n4. Does an MLO who meets the registration or licensure requirements for Temporary Authority maintain eligibility for Temporary Authority if there is a break in service?\n:   A break in service is permitted, but shall not exceed fourteen calendar days. The break in service begins when federal registration or state licensure ends, and stops when the new employer submits a sponsorship request.\n\n5. What must be included in a license application in order to obtain Temporary Authority?\n:   The individual must submit a Mortgage Loan Originator License application, which is required for Temporary Authority to Operate. An application must include:\n\n    1.  completed Individual Licensing Form \\(MU4\\) which contains personal history and experience;\n    2.  explanation and supporting documentation uploads for any “Yes” answer to a disclosure question;\n    3.  the receipt of a criminal history record information check from the FBI;\n    4.  authorization for a credit report to be obtained;\n    5.  W2 Worker Classification; and a request for sponsorship from the MLO’s employer.\n\n    **Note:** An eligible individual can submit an MLO license ap",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_TA_FAQ.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_TA_FAQ.md",
      "headings": [
        "Temporary Authority to Operate \\(TA\\) FAQs for Mortgage Loan Originators {#xd_a613491c7c4123ce-6e303606-19a4563c285--7ffc .concept}",
        "Background {#section_sj2_smr_2hc .section}",
        "What the Law Permits {#section_bzt_ymr_2hc .section}",
        "Frequently Asked Questions {#section_spd_s4r_2hc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_TA_FAQ.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_TA_FAQ.md:chunk-3",
      "title": "Temporary Authority to Operate \\(TA\\) FAQs for Mortgage Loan Originators {#xd_a613491c7c4123ce-6e303606-19a4563c285--7ffc .concept}",
      "content": "rization for a credit report to be obtained;\n    5.  W2 Worker Classification; and a request for sponsorship from the MLO’s employer.\n\n    **Note:** An eligible individual can submit an MLO license application without passing the SAFE Act Test or meeting Pre-Licensure education requirements and receive Temporary Authority.\n\n    A state cannot make a final decision on an application for licensure without the following information:\n\n    1.  any state-specific document required as part of an MLO license application in the Application State,\n    2.  SAFE Act Test, and\n    3.  Pre-licensure educations requirements.\n\n6. Is it possible for an MLO to have Temporary Authority for more than 120 days?\n:   Yes. At the end of the 120 days, if an application is complete \\(including testing, education and state specific documents required by the Application-State\\) and the agency has not yet made a decision on the application, Temporary Authority would remain in effect until the agency acts on the application.\n\n7. How would the system respond to the following three scenarios?\n:   Scenario 1:\n:   The MLO has a disqualifying event that can be ascertained from information in the system \\(e.g. a cease and desist order or a denial\\). System Result: The system would identify this, and the MLO would not be eligible for Temporary Authority. Therefore, the system would prevent submission until the MLO SAFE Test and Pre- Licensure Education are completed.\n\nScenario 2:\n:   The MLO applies for an MLO license then the application-state determines the MLO does not meet requirements for Temporary Authority because they have been convicted of a misdemeanor or felony that would preclude licensure in the application state. System Result: In the system, Temporary Authority would not begin in that state. Denial by an application- state would end temporary authority in all states. An issuance of an intent to deny ends temporary authority only in the application-state.\n\nScenario 3:\n:   Temporary Author",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_TA_FAQ.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_TA_FAQ.md",
      "headings": [
        "Temporary Authority to Operate \\(TA\\) FAQs for Mortgage Loan Originators {#xd_a613491c7c4123ce-6e303606-19a4563c285--7ffc .concept}",
        "Background {#section_sj2_smr_2hc .section}",
        "What the Law Permits {#section_bzt_ymr_2hc .section}",
        "Frequently Asked Questions {#section_spd_s4r_2hc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_TA_FAQ.html",
      "snippet": null
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    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_TA_FAQ.md:chunk-4",
      "title": "Temporary Authority to Operate \\(TA\\) FAQs for Mortgage Loan Originators {#xd_a613491c7c4123ce-6e303606-19a4563c285--7ffc .concept}",
      "content": " Denial by an application- state would end temporary authority in all states. An issuance of an intent to deny ends temporary authority only in the application-state.\n\nScenario 3:\n:   Temporary Authority begins for an MLO, but after investigation of the application, a state determines that the MLO has a disqualifying event \\(e.g., a cease-and-desist order that is not in the system\\). Therefore, Temporary Authority should have never begun for the MLO. System Result: In the system, the applicant-state issues an intent to deny or denies the application and Temporary Authority is rescinded. Presumably, some states may bring an enforcement action against the MLO and/or the company for failure to disclose the relevant event. Denial by an application-state would end Temporary Authority in all states. An issuance of an intent to deny ends Temporary Authority only in the application-state.\n\n8. Can an MLO obtain Temporary Authority in all jurisdictions on NMLS?\n:   Yes. There is no language in **S. 2155** that limits the number of states where an applicant can apply for an MLO license and thereby become eligible to operate under Temporary Authority.\n\n9. Regarding MLOs who are moving from a Depository Institution to a Non-Depository Institution, **S. 2155** uses the phrases “is a registered loan originator” and “was registered.” What is the effect of this inconsistent language?\n:   CSBS believes the purpose of the law is to allow a current or formerly registered MLO to move from a depository institution that required registration to a non-depository institution that requires state licensure, as long as the MLO was registered continuously for the one-year period preceding application submission.\n\n10. The amendments specifically address “Temporary Authority to originate loans for state-licensed loan originators moving interstate.” What is the intention of the word “move?”\n:   Does “move” refer to an MLO expanding their license from one state licensed jurisdiction to another or t",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_TA_FAQ.md",
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        "Temporary Authority to Operate \\(TA\\) FAQs for Mortgage Loan Originators {#xd_a613491c7c4123ce-6e303606-19a4563c285--7ffc .concept}",
        "Background {#section_sj2_smr_2hc .section}",
        "What the Law Permits {#section_bzt_ymr_2hc .section}",
        "Frequently Asked Questions {#section_spd_s4r_2hc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_TA_FAQ.html",
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    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_TA_FAQ.md:chunk-5",
      "title": "Temporary Authority to Operate \\(TA\\) FAQs for Mortgage Loan Originators {#xd_a613491c7c4123ce-6e303606-19a4563c285--7ffc .concept}",
      "content": "ate-licensed loan originators moving interstate.” What is the intention of the word “move?”\n:   Does “move” refer to an MLO expanding their license from one state licensed jurisdiction to another or to an MLO moving physically to another state? The amendments provide that an “application State means a state in which a registered loan originator or a State-licensed loan originator seeks to be licensed”. Based on this language, CSBS believes that “move” does not refer to nor require an MLO seeking Temporary Authority to change their physical address. CSBS believes that the intent of **S. 2155** was to allow MLOs to expand their authority to originate mortgages from bank to non-bank and/or from state to state. With this understanding, an MLO could be eligible for Temporary Authority in any number of states at the same time.\n\n11. Are the loans originated while an MLO is acting under Temporary Authority valid if the license is ultimately denied?\n:   Loans, whether closed or not, are not affected by the intent to deny or denial of an MLO’s application. Loans not closed belong to the company and closed loans cannot be undone. The company would need to transfer loans that are still in the origination or negotiation process to a properly licensed MLO employed with their company.\n\n12. If a company were to apply for a license in a new state, would Temporary Authority permit the company’s current MLOs to work in the new state once the company is approved?\n:   A company moving from one state to another would first need to apply and be licensed as a mortgage company in the new state. Once licensed, the company’s MLOs may then be eligible for Temporary Authority if they apply for licensure.\n\n13. Will a status show on NMLS Consumer Access for MLOs with Temporary Authority? What will it be?\n:   Consumer Access shows both the status of a license and whether a licensee or registrant is authorized to conduct business. An applicant who receives Temporary Authority is in the process of a",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_TA_FAQ.md",
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        "Temporary Authority to Operate \\(TA\\) FAQs for Mortgage Loan Originators {#xd_a613491c7c4123ce-6e303606-19a4563c285--7ffc .concept}",
        "Background {#section_sj2_smr_2hc .section}",
        "What the Law Permits {#section_bzt_ymr_2hc .section}",
        "Frequently Asked Questions {#section_spd_s4r_2hc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_TA_FAQ.html",
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    {
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      "title": "Temporary Authority to Operate \\(TA\\) FAQs for Mortgage Loan Originators {#xd_a613491c7c4123ce-6e303606-19a4563c285--7ffc .concept}",
      "content": " be?\n:   Consumer Access shows both the status of a license and whether a licensee or registrant is authorized to conduct business. An applicant who receives Temporary Authority is in the process of applying for an MLO license. The applicant is deemed to have Temporary Authority before a licensing decision has been made on their application. Once received, Temporary Authority will show as `Temporary Authority` on **Consumer Access**. An MLO with Temporary Authority is authorized to conduct business if all qualifications are met. This means that the **authorized to conduct business** field in **Consumer Access** will be denoted with a `Yes`.\n\n14. Will an MLO with Temporary Authority be required to be covered by a surety bond or recovery fund?\n:   Yes. **Section 5107\\(f\\)\\(1\\)** of the SAFE Act gives the Consumer Financial Protection Bureau authorization to set minimum net worth or surety bond requirements for MLOs and for recovery funds paid into by MLOs. **Section 5107\\(d\\)\\(6\\)** explains that states are required to base that bond or fund amount on the amount of loans originated by an MLO. **S.2155** adds section **5117\\(d\\)** to the SAFE Act. **5117\\(d\\)\\(2\\)** states that:\n\n    > Any individual who is deemed to have Temporary Authority to act as a loan originator in an application State under this section and who engages in residential mortgage loan origination activities shall be subject to the requirements of this chapter and to applicable State law to the same extent as if that individual was a State-licensed loan originator licensed by the application State.\n\n    An MLO with Temporary Authority to originate must meet all requirements of the SAFE Act including bonding requirements. MLOs with Temporary Authority are able to originate loans, therefore, based on **Section 5107\\(d\\)\\(6\\)** above, their loan amount would need to be covered by a bond or fund. Similar language in **5117\\(d\\)\\(1\\)** extends this applicability to employers of MLOs with Temporary Author",
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        "What the Law Permits {#section_bzt_ymr_2hc .section}",
        "Frequently Asked Questions {#section_spd_s4r_2hc .section}"
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      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_TA_FAQ.md:chunk-7",
      "title": "Temporary Authority to Operate \\(TA\\) FAQs for Mortgage Loan Originators {#xd_a613491c7c4123ce-6e303606-19a4563c285--7ffc .concept}",
      "content": "ction 5107\\(d\\)\\(6\\)** above, their loan amount would need to be covered by a bond or fund. Similar language in **5117\\(d\\)\\(1\\)** extends this applicability to employers of MLOs with Temporary Authority. A sponsoring company’s bond satisfies the bonding requirement for their MLOs.\n\n15. Will the loans originated by an MLO with Temporary Authority be required to be included in the Mortgage Call Report \\(MCR\\)?\n:   Yes. SAFE Act, section 5104\\(e\\) requires each mortgage licensee to submit a call report to NMLS in a form specified by NMLS. The NMLS Policy Guidebook states that an MCR must be completed by all state licensed companies and companies employing state licensed mortgage loan originators. Applicants who have received Temporary Authority have begun the application process for an MLO license. **S. 2155** requires in both sections **5117\\(b\\)\\(1\\)** and**\\(c\\)\\(1\\)\\(B\\)**, that applicants must be employed by a state-licensed company in the application state. CSBS interprets this to mean that these employees must be included in the Call Report mandated in **section 5104\\(e\\)** because they are employees of a mortgage licensee.\n\n16. Can a federally registered MLO with an inactive state license obtain Temporary Authority in a different state?\n:   Yes. If a federal registrant with an inactive license meets all requirements for eligibility, they can seek Temporary Authority.\n\n17. Is an applicant with a pending prosecution matter eligible for Temporary Authority?\n:   Yes. A pending criminal matter would not affect the eligibility for Temporary Authority until the matter is resolved and the resolution makes the applicant ineligible.\n\n18. If an applicant submits an MLO license application that meets the requirements for Temporary Authority on Friday and the state begins the license application review on Monday, what day did Temporary Authority begin?\n:   If an MLO is eligible, Temporary Authority begins on the date of application submission. Therefore, in the example abo",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_TA_FAQ.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_TA_FAQ.md",
      "headings": [
        "Temporary Authority to Operate \\(TA\\) FAQs for Mortgage Loan Originators {#xd_a613491c7c4123ce-6e303606-19a4563c285--7ffc .concept}",
        "Background {#section_sj2_smr_2hc .section}",
        "What the Law Permits {#section_bzt_ymr_2hc .section}",
        "Frequently Asked Questions {#section_spd_s4r_2hc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_TA_FAQ.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_TA_FAQ.md:chunk-8",
      "title": "Temporary Authority to Operate \\(TA\\) FAQs for Mortgage Loan Originators {#xd_a613491c7c4123ce-6e303606-19a4563c285--7ffc .concept}",
      "content": "license application review on Monday, what day did Temporary Authority begin?\n:   If an MLO is eligible, Temporary Authority begins on the date of application submission. Therefore, in the example above, the MLO’s Temporary Authority would have begun on the Friday that the application was submitted.\n\n19. Are MLOs with Temporary Authority subject to the federal SAFE Act?\n:   Yes. All provisions of the SAFE Act, including the enforcement provisions, apply to MLOs with Temporary Authority.\n\n20. If an application state issues a license application denial or intent to deny during the Temporary Authority time period, does the applicant have administrative rights?\n:   Yes. State Administrative Procedures Act rights attach to the license, not Temporary Authority. Temporary Authority ends when a state denies a license application or issues a notice of intent to deny. The applicant can appeal the denial of the license, but not the termination of Temporary Authority. An MLO cannot conduct licensable activities without Temporary Authority or a license.\n\n21. When should the license item “Intent to Deny” be used?\n:   The intent of **S. 2155** is to permit qualified mortgage loan originators to originate loans for 120 days while completing state-specific requirements such as testing and education. During this time period, applicants are also required to submit any additional state-specific documents required for licensure and complete any follow-up requests made by the regulator, such as updating any expired or incorrect documents. If eligible, an applicant will be deemed to have TA while their application moves through a state’s normal licensing process. Under **S. 2155**, an issuance of an Intent to Deny would simultaneously end TA and would also stop the licensing process. An Intent to Deny license item signifies that the regulator has reviewed the license application and has found one or more reasons legally sufficient to deny the license and has issued a notice of intent to d",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_TA_FAQ.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_TA_FAQ.md",
      "headings": [
        "Temporary Authority to Operate \\(TA\\) FAQs for Mortgage Loan Originators {#xd_a613491c7c4123ce-6e303606-19a4563c285--7ffc .concept}",
        "Background {#section_sj2_smr_2hc .section}",
        "What the Law Permits {#section_bzt_ymr_2hc .section}",
        "Frequently Asked Questions {#section_spd_s4r_2hc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_TA_FAQ.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_TA_FAQ.md:chunk-9",
      "title": "Temporary Authority to Operate \\(TA\\) FAQs for Mortgage Loan Originators {#xd_a613491c7c4123ce-6e303606-19a4563c285--7ffc .concept}",
      "content": "t to Deny license item signifies that the regulator has reviewed the license application and has found one or more reasons legally sufficient to deny the license and has issued a notice of intent to deny the license. In certain jurisdictions, an applicant may request a hearing on a notice of intent to deny the license.\n\n    **Note:** There is no appeal process for the loss of TA.\n\n22. Can an MLO originate loans at an unlicensed location?\n:   If a state requires locations to be licensed prior to commencing origination activity, Temporary Authority does not change this requirement. **Sections 5117\\(d\\)\\(1\\)** and **5117\\(d\\)\\(2\\)** of the **SAFE Act** state that employers of MLOs and MLOs deemed to have Temporary Authority in an application State shall be subject to the requirements of this chapter and to applicable State law to the same extent as if that MLO was a State-licensed loan originator licensed in the application State. Therefore, if a state requires a location to be licensed prior to commencement of origination activity, then neither the employer of the MLO or the MLO can engage in origination activity until the location is licensed. Licensees should follow each states’ rules regarding licensing requirement applicability for remote work locations.\n\n23. Can an Agency use their Abandonment Statute on a Pending-Deficient \\(Temporary Authority Eligible\\) application?\n:   **S. 2155** does not speak to how an application in a Temporary Authority Eligible status may be disposed of prior to obtaining Temporary Authority. In accordance with applicable state law, Agencies may apply their Abandonment / Non-Response Statutes to an application that is in a `Pending-Deficient (Temporary Authority Eligible)` status.[^2]\n\n24. Can an MLO receive Temporary Authority if they become employed by a registered exempt mortgage company?\n:   No. **Section 5117\\(b\\)\\(1\\)** of the **SAFE Act** states that an MLO is deemed to have Temporary Authority, “upon becoming employed by a state",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_TA_FAQ.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_TA_FAQ.md",
      "headings": [
        "Temporary Authority to Operate \\(TA\\) FAQs for Mortgage Loan Originators {#xd_a613491c7c4123ce-6e303606-19a4563c285--7ffc .concept}",
        "Background {#section_sj2_smr_2hc .section}",
        "What the Law Permits {#section_bzt_ymr_2hc .section}",
        "Frequently Asked Questions {#section_spd_s4r_2hc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_TA_FAQ.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_TA_FAQ.md:chunk-10",
      "title": "Temporary Authority to Operate \\(TA\\) FAQs for Mortgage Loan Originators {#xd_a613491c7c4123ce-6e303606-19a4563c285--7ffc .concept}",
      "content": "me employed by a registered exempt mortgage company?\n:   No. **Section 5117\\(b\\)\\(1\\)** of the **SAFE Act** states that an MLO is deemed to have Temporary Authority, “upon becoming employed by a state-licensed mortgage company” subject to certain conditions. A state-licensed mortgage company is defined as, “an entity that is licensed or registered under the law of any State to engage in residential mortgage loan origination and processing activities.” **§5117\\(a\\)\\(2\\).** A registered exempt mortgage company does not meet the criteria of a “state-licensed mortgage company” for purposes of**§5117\\(b\\)\\(1\\)**. Therefore, an MLO in their employ is not eligible for Temporary Authority.[^3]\n\n**Parent topic:**TA Application Requirements\n\n[^1]: As that term is defined in the SAFE and Federal Deposit Insurance Acts \\(12 USC 5102, 12 USC 1813\\).\n[^2]: To receive Temporary Authority applications must be in one of the following Temporary Authority Statuses: Pending-Deficient \\(Temporary Authority\\), Pending-Review \\(Temporary Authority\\), and Pre-Approved \\(Temporary Authority\\).\n[^3]: An exempt registration is a functionality in NMLS that permits a state agency to track those individuals participating in certain business activities, but who are exempt from licensure or registration under state statute.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_TA_FAQ.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_TA_FAQ.md",
      "headings": [
        "Temporary Authority to Operate \\(TA\\) FAQs for Mortgage Loan Originators {#xd_a613491c7c4123ce-6e303606-19a4563c285--7ffc .concept}",
        "Background {#section_sj2_smr_2hc .section}",
        "What the Law Permits {#section_bzt_ymr_2hc .section}",
        "Frequently Asked Questions {#section_spd_s4r_2hc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_TA_FAQ.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_TA_LicensingStatuses.md:chunk-0",
      "title": "TA Licensing Statuses {#nmlsPG_taLicensingStatuses .concept}",
      "content": "# TA Licensing Statuses \n\nThere are four NMLS licensing statuses that will be used in relation to applications in the TA workflow.\n\n1.  Pending - Deficient \\(Temporary Authority Eligible\\)\n    -   Pending CBC results or a request for sponsorship\n    -   Meets other eligibility requirements\n2.  Pending - Deficient \\(Temporary Authority\\)\n    -   CBC results satisfied and a request for sponsorship has occurred\n    -   Pending Testing and Education requirements\n    -   Pending License Item\n3.  Pending - Review \\(Temporary Authority\\)\n    -   Testing and Education requirements have been met\n    -   Waiting for regulatory review\n4.  Pre-Approved \\(Temporary Authority\\)\n    -   Pending Testing and Education requirements\n\n## Notes: \n\n1.  A license application in a Pre-Approved status will automatically move to Approved once Testing and Education requirements are met. This status is used when Testing and Education requirements have not been completed but a state has reviewed all other requirements and is satisfied. If an MLO fails to complete Testing and Education within the 120-day TA period, the application status will be updated to Pending - Deficient \\(Temporary Authority\\).\n2.  Applications in the Pending - Deficient \\(Temporary Authority Eligible\\) status can be abandoned by a state agency if permitted by their abandonment statute\\(s\\).\n\n**Parent topic:**Chapter VI—Temporary Authority to Operate",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_TA_LicensingStatuses.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_TA_LicensingStatuses.md",
      "headings": [
        "TA Licensing Statuses {#nmlsPG_taLicensingStatuses .concept}",
        "Notes: {#section_vft_fkw_5dc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_TA_LicensingStatuses.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_TA_MCR.md:chunk-0",
      "title": "Mortgage Call Report \\(MCR\\) {#nmlsPG_mortgageCallReportMcr .concept}",
      "content": "# Mortgage Call Report \\(MCR\\) \n\nAn MCR must be completed by all state-licensed companies and companies employing state-licensed MLOs.\n\n**S. 2155** requires that applicants must be employed by a state-licensed company in the application state. Therefore, as employees of these companies, MLOs with Temporary Authority must be included in the MCR.\n\n**Parent topic:**Chapter VI—Temporary Authority to Operate",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_TA_MCR.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_TA_MCR.md",
      "headings": [
        "Mortgage Call Report \\(MCR\\) {#nmlsPG_mortgageCallReportMcr .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_TA_MCR.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_TA_consumerAccess.md:chunk-0",
      "title": "Consumer Access {#nmlsPG_consumerAccess .concept}",
      "content": "# Consumer Access \n\nPending Deficient \\(Temporary Authority\\), Pending Review \\(Temporary Authority\\), and Pre-Approved \\(Temporary Authority\\) will show in Consumer Access with a status of `Temporary Authority`.\n\nConsumer Access will show the Temporary Authority Begin Date and whether the MLO is `Authorized to Conduct Business`.\n\nConsumer Access will show that an MLO is `Authorized to Represent` once sponsorship has been requested or accepted.\n\n**Parent topic:**Chapter VI—Temporary Authority to Operate",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_TA_consumerAccess.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_TA_consumerAccess.md",
      "headings": [
        "Consumer Access {#nmlsPG_consumerAccess .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_TA_consumerAccess.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_TA_eligibilityRequirements.md:chunk-0",
      "title": "Eligibility Requirements {#nmlsPG_eligibilityRequirements .concept}",
      "content": "# Eligibility Requirements \n\nTo be eligible for temporary authority to operate, an MLO must meet the following eligibility requirements at time of application:\n\n-   An MLO must have been either continuously registered for one year, or continuously licensed for the 30 days preceding application submission;\n-   The MLO cannot have had a break in service of more than 14 calendar days. A break in service starts at the end of registration / licensure and ends with the request for sponsorship;\n-   The MLO must be a W-2 employee of a state-licensed company in the application state.\n\nAn MLO would not be eligible for TA if they have:\n\n-   Had a loan originator license application denied;\n-   Had a loan originator license revoked or suspended in any jurisdiction;\n-   Been subject to or served with a cease and desist order; or\n-   Been convicted of a misdemeanor or felony that would preclude licensure in the application state.\n\n**Note:** Not all licenses are eligible for Temporary Authority. To determine an individual’s eligibility for Temporary Authority, consult the License Requirements and Fees Chart on the State Licensing Checklist Compiler.\n\n**Note:** Pursuant to the federal SAFE Act, an MLO cannot receive Temporary Authority if they become employed by a registered exempt mortgage company. Under the SAFE Act an MLO is deemed to have Temporary Authority, “upon becoming employed by a state-licensed mortgage company” subject to certain conditions. A state-licensed mortgage company is defined as “an entity that is licensed or registered under the law of any State to engage in residential mortgage loan origination and processing activities.” Therefore, a registered exempt mortgage company does not meet the criteria of a “state-licensed mortgage company” for purposes of the Act.\n\n**Note:** Temporary Authority may be available under the state’s authority. To determine if a state permits Temporary Authority, consult the License Requirements and Fee Chart on the NMLS Resource Cent",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_TA_eligibilityRequirements.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_TA_eligibilityRequirements.md",
      "headings": [
        "Eligibility Requirements {#nmlsPG_eligibilityRequirements .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_TA_eligibilityRequirements.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_TA_eligibilityRequirements.md:chunk-1",
      "title": "Eligibility Requirements {#nmlsPG_eligibilityRequirements .concept}",
      "content": "*Note:** Temporary Authority may be available under the state’s authority. To determine if a state permits Temporary Authority, consult the License Requirements and Fee Chart on the NMLS Resource Center.\n\n**Parent topic:**Chapter VI—Temporary Authority to Operate",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_TA_eligibilityRequirements.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_TA_eligibilityRequirements.md",
      "headings": [
        "Eligibility Requirements {#nmlsPG_eligibilityRequirements .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_TA_eligibilityRequirements.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_TA_enhancedIndlRosterRptCompany.md:chunk-0",
      "title": "Enhanced Individual Roster Report \\(Company\\) {#nmlsPG_enhancedIndividualRosterReportCompany .concept}",
      "content": "# Enhanced Individual Roster Report \\(Company\\) \n\nThe **Individual Roster Report \\(Company\\)** captures the **Worker Classification** and **Classification Begin Date** fields.\n\nThe **Worker Classification** will list the MLO as either a `W2 employee` or a `Non-W2 employee`. To be eligible for TA, the MLO must be a W- 2 employee of a state-licensed company in the application state.\n\n**Parent topic:**Chapter VI—Temporary Authority to Operate",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_TA_enhancedIndlRosterRptCompany.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_TA_enhancedIndlRosterRptCompany.md",
      "headings": [
        "Enhanced Individual Roster Report \\(Company\\) {#nmlsPG_enhancedIndividualRosterReportCompany .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_TA_enhancedIndlRosterRptCompany.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_TA_intentToDeny.md:chunk-0",
      "title": "Intent to Deny {#nmlsPG_intentToDeny .concept}",
      "content": "# Intent to Deny \n\nThe intent of **S. 2155** is to permit qualified mortgage loan originators to continue originating loans for up to 120 days while completing testing, education, and/or state- specific requirements, including additional documents.\n\nDuring this period, applicants are also required to complete any follow-up requests made by the regulator.\n\nIf eligible, an applicant will be deemed to have TA while their application moves through a state’s normal licensing process. Under **S. 2155**, placing an `Intent to Deny` License Item would end TA. An `Intent to Deny` license item signifies that the regulator has reviewed the license application and has found one or more reasons legally sufficient to deny the license and has issued a notice of intent to deny the license. In certain jurisdictions, an applicant may request a hearing on the notice of intent to deny the license.\n\n**Note:** There is no appeal process for the loss of TA.\n\n**Parent topic:**Chapter VI—Temporary Authority to Operate",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_TA_intentToDeny.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_TA_intentToDeny.md",
      "headings": [
        "Intent to Deny {#nmlsPG_intentToDeny .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_TA_intentToDeny.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_TA_lengthOfPeriod.md:chunk-0",
      "title": "Length of TA Period {#nmlsPG_lengthOfTaPeriod .concept}",
      "content": "# Length of TA Period \n\nTA begins when a qualified MLO, who meets all TA eligibility requirements, submits an MLO application \\(application requirements are listed below\\).\n\nTA ends when any of the following triggering events occur:\n\n-   A state denies the application through NMLS or posts an “Intent to Deny” license item to the record in NMLS;\n-   The application remains incomplete on NMLS after 120 days;\n-   The state grants the license; or\n-   The MLO requests to withdraw the application. An approval of the request to withdraw the application by the state regulator is not required to end TA.TA will also end if an MLO loses their sponsorship. Once TA ends, TA cannot be reinstated.\n\n**Note:** TA will continue beyond 120 days if an applicant has completed all requirements for full licensure, but the state has not made a final disposition.\n\n**Parent topic:**Chapter VI—Temporary Authority to Operate",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_TA_lengthOfPeriod.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_TA_lengthOfPeriod.md",
      "headings": [
        "Length of TA Period {#nmlsPG_lengthOfTaPeriod .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_TA_lengthOfPeriod.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_TA_lossOfTA_EffectOnOriginatedLoans.md:chunk-0",
      "title": "Loss of TA and Effect on Originated Loans {#nmlsPG_lossOfTaAndEffectOnOriginatedLoans .concept}",
      "content": "# Loss of TA and Effect on Originated Loans \n\nLoans, whether closed or not, are not affected by the intent to deny or denial of an MLO’s application. Loans not closed belong to the company and closed loans cannot be undone.\n\nThe company would need to transfer loans that are still in the origination or negotiation process to a properly licensed MLO, or an MLO with TA employed with the company.\n\n**Parent topic:**Chapter VI—Temporary Authority to Operate",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_TA_lossOfTA_EffectOnOriginatedLoans.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_TA_lossOfTA_EffectOnOriginatedLoans.md",
      "headings": [
        "Loss of TA and Effect on Originated Loans {#nmlsPG_lossOfTaAndEffectOnOriginatedLoans .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_TA_lossOfTA_EffectOnOriginatedLoans.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_TA_notifications.md:chunk-0",
      "title": "Notifications {#nmlsPG_notifications .concept}",
      "content": "# Notifications \n\nIndividual applicants and companies will receive notification when one of the following events occurs:\n\nTA Granted Notification – Subject: `Temporary Authority to Operate Begins.`\n:   This occurs when an application status moves from `Pending`\n\nPending - Deficient \\(Temporary Authority Eligible\\) to one of the Active TA Statuses below:\n:   -   Pending - Deficient \\(Temporary Authority\\),\n-   Pre-Approved \\(Temporary Authority\\), or\n-   Pending - Review \\(Temporary Authority\\).\n\nTA Ineligible Notification – Subject: `Temporary Authority to Operate Ended.`\n:   This occurs when an individual license becomes TA ineligible.\n\n‘120 days’ Approaching Notification – Subject: `T&E Deadlines Requirements Approaching`\n:   After 90 days, a notification will be sent weekly. During the last week, there will be a daily notification.\n\n**Parent topic:**Chapter VI—Temporary Authority to Operate",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_TA_notifications.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_TA_notifications.md",
      "headings": [
        "Notifications {#nmlsPG_notifications .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_TA_notifications.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_TA_profStdsEdu.md:chunk-0",
      "title": "Professional Standards: Education {#nmlsPG_professionalStandardsEducation .concept}",
      "content": "# Professional Standards: Education \n\nTA permits MLOs to apply for a license without completing testing and education requirements. Those MLOs who are eligible for TA may continue originating loans but must complete their testing and education requirements within the 120-day TA period.\n\nThe following should be considered to ensure that MLOs complete their testing and education in a timely manner:\n\nSMART TA:\n:   Requirements are complete, and the Education Record is Updated within 90 days of Receiving TA.\n\nTA at Risk:\n:   Requirements are not complete, and the Education Record has not been Updated at day 100 of TA.\n\nPROBABLE GUARANTEED LOSS OF TA:\n:   Requirements are not complete, and the Education Record has not been Updated at day 110 of TA.\n\n**Parent topic:**Chapter VI—Temporary Authority to Operate",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_TA_profStdsEdu.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_TA_profStdsEdu.md",
      "headings": [
        "Professional Standards: Education {#nmlsPG_professionalStandardsEducation .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_TA_profStdsEdu.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_TA_recoveryFundsAndSuretyBonds.md:chunk-0",
      "title": "Recovery Funds and Surety Bonds {#nmlsPG_recoveryFundsAndSuretyBonds .concept}",
      "content": "# Recovery Funds and Surety Bonds \n\nThe **SAFE Act** gives the Consumer Financial Protection Bureau authorization to set minimum net worth or surety bond requirements for MLOs and for recovery funds paid into by MLOs. These amounts are based on the amount of loans originated by an MLO.\n\n**S.2155** adds section **5117\\(d\\)** to the **SAFE Act** which states that:\n\n> “Any individual who is deemed to have Temporary Authority to act as a loan originator… under this section and who engages in residential mortgage loan originationactivities shall be subject to the requirements…to the same extent as if that individual was a State-licensed loan originator licensed by the application State.”\n\nMLOs with TA must meet all requirements of the **SAFE Act**, including those of bonding and recovery funds. Since MLOs with TA can originate loans, their total loan amount volume would need to be covered by a bond or recovery fund.\n\nSimilar language in **5117\\(d\\)\\(1\\)** extends this applicability to employers of MLOs with TA.\n\n**Note:** A sponsoring company’s bond satisfies the bonding requirement for their MLOs.\n\n**Parent topic:**Chapter VI—Temporary Authority to Operate",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_TA_recoveryFundsAndSuretyBonds.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_TA_recoveryFundsAndSuretyBonds.md",
      "headings": [
        "Recovery Funds and Surety Bonds {#nmlsPG_recoveryFundsAndSuretyBonds .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_TA_recoveryFundsAndSuretyBonds.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_TA_sponsorship.md:chunk-0",
      "title": "Sponsorship {#nmlsPG_sponsorship .concept}",
      "content": "# Sponsorship \n\nFor an MLO to receive TA, the MLO’s company must have requested sponsorship.\n\nIf all other eligibility requirements are met, TA would begin at the request of sponsorship; approval of the sponsorship by the state regulator is not required.\n\n**Parent topic:**Chapter VI—Temporary Authority to Operate",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_TA_sponsorship.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_TA_sponsorship.md",
      "headings": [
        "Sponsorship {#nmlsPG_sponsorship .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_TA_sponsorship.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_TA_sysEligibilityDetermination.md:chunk-0",
      "title": "How Eligibility is Determined in the System {#nmlsPG_howEligibilityIsDeterminedInTheSystem .concept}",
      "content": "# How Eligibility is Determined in the System \n\nNMLS is programmed to check the following TA eligibility requirements:\n\n1.  Continuous registration for one year or continuous licensure for the last 30 days preceding application submission;\n2.  Whether the MLO has had a break in service of more than 14 calendar days;\n3.  Whether the MLO has an item in their CHRI results;\n4.  Whether the MLO has had a loan originator license denied;\n5.  Whether the MLO has had a loan originator license revoked or suspended;\n6.  Whether a regulator has uploaded a Cease and Desist order in NMLS; and\n7.  **W-2 Employee** is selected as the Worker Classification in the MLO’s company relationship.\n\n**Parent topic:**Chapter VI—Temporary Authority to Operate",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_TA_sysEligibilityDetermination.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_TA_sysEligibilityDetermination.md",
      "headings": [
        "How Eligibility is Determined in the System {#nmlsPG_howEligibilityIsDeterminedInTheSystem .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_TA_sysEligibilityDetermination.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_TA_tempAuthToOperate.md:chunk-0",
      "title": "Chapter VI—Temporary Authority to Operate {#nmlsPG_temporaryAuthorityToOperate .concept}",
      "content": "# Chapter VI—Temporary Authority to Operate \n\nThe **Economic Growth, Regulatory Relief, and Consumer Protection Act, 12 U.S.C. 5101 et seq., \\(S. 2155\\)** was signed into law on May 24, 2018, and became effective November 24, 2019. This amendment to the **2008 SAFE Act** permits eligible MLOs to originate loans while completing state specific requirements such as testing and education.\n\n## Background \n\nThe amendment applies to qualified MLOs who are changing employment from a depository institution to a state-licensed mortgage company, and qualified state-licensed MLOs seeking licensure in another state.\n\n-   **Eligibility Requirements**  \nTo be eligible for temporary authority to operate, an MLO must meet the following eligibility requirements at time of application:\n-   **Length of TA Period**  \nTA begins when a qualified MLO, who meets all TA eligibility requirements, submits an MLO application \\(application requirements are listed below\\).\n-   **TA Application Requirements**  \nAn MLO application will enter the TA workflow if the above eligibility requirements are met and the application includes:\n-   **How Eligibility is Determined in the System**  \nNMLS is programmed to check the following TA eligibility requirements:\n-   **Worker Classification**  \nTo be eligible for TA, an MLO must be employed by a state-licensed company in the applicationstate. “Employee” has been interpreted to mean a W-2 employee, as defined by the IRS, not a 1099 contractor.\n-   **Sponsorship**  \nFor an MLO to receive TA, the MLO’s company must have requested sponsorship.\n-   **Criminal History Record Information \\(CHRI\\)**  \nThere is a 2-Day / 9-Day CHRI review process for applications in the TA workflow.\n-   **Intent to Deny**  \nThe intent of **S. 2155** is to permit qualified mortgage loan originators to continue originating loans for up to 120 days while completing testing, education, and/or state- specific requirements, including additional documents.\n-   **TA Licensing Statuses**  \n",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_TA_tempAuthToOperate.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_TA_tempAuthToOperate.md",
      "headings": [
        "Chapter VI—Temporary Authority to Operate {#nmlsPG_temporaryAuthorityToOperate .concept}",
        "Background {#section_nzq_c2v_5dc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_TA_tempAuthToOperate.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_TA_tempAuthToOperate.md:chunk-1",
      "title": "Chapter VI—Temporary Authority to Operate {#nmlsPG_temporaryAuthorityToOperate .concept}",
      "content": " originators to continue originating loans for up to 120 days while completing testing, education, and/or state- specific requirements, including additional documents.\n-   **TA Licensing Statuses**  \nThere are four NMLS licensing statuses that will be used in relation to applications in the TA workflow.\n-   **Consumer Access**  \nPending Deficient \\(Temporary Authority\\), Pending Review \\(Temporary Authority\\), and Pre-Approved \\(Temporary Authority\\) will show in Consumer Access with a status of `Temporary Authority`.\n-   **Professional Standards: Education**  \nTA permits MLOs to apply for a license without completing testing and education requirements. Those MLOs who are eligible for TA may continue originating loans but must complete their testing and education requirements within the 120-day TA period.\n-   **Enhanced Individual Roster Report \\(Company\\)**  \nThe **Individual Roster Report \\(Company\\)** captures the **Worker Classification** and **Classification Begin Date** fields.\n-   **Recovery Funds and Surety Bonds**  \nThe **SAFE Act** gives the Consumer Financial Protection Bureau authorization to set minimum net worth or surety bond requirements for MLOs and for recovery funds paid into by MLOs. These amounts are based on the amount of loans originated by an MLO.\n-   **Loss of TA and Effect on Originated Loans**  \nLoans, whether closed or not, are not affected by the intent to deny or denial of an MLO’s application. Loans not closed belong to the company and closed loans cannot be undone.\n-   **Mortgage Call Report \\(MCR\\)**  \nAn MCR must be completed by all state-licensed companies and companies employing state-licensed MLOs.\n-   **Notifications**  \nIndividual applicants and companies will receive notification when one of the following events occurs:",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_TA_tempAuthToOperate.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_TA_tempAuthToOperate.md",
      "headings": [
        "Chapter VI—Temporary Authority to Operate {#nmlsPG_temporaryAuthorityToOperate .concept}",
        "Background {#section_nzq_c2v_5dc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_TA_tempAuthToOperate.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_TA_workerClassification.md:chunk-0",
      "title": "Worker Classification {#nmlsPG_workerClassification .concept}",
      "content": "# Worker Classification \n\nTo be eligible for TA, an MLO must be employed by a state-licensed company in the applicationstate. “Employee” has been interpreted to mean a W-2 employee, as defined by the IRS, not a 1099 contractor.\n\nThis interpretation has been validated by the definition of “employee” in Regulation H. \\(See 12 CFR 1008.23\\).\n\nAn MLO who is a W-2 employee of a parent company, but is licensed and sponsored by a subsidiary,would not be eligible for TA. The MLO must be a W-2 employee of the company that holds the license and has sponsored them.\n\nTo denote in the system that an applicant is a W-2 employee, the company must complete the **Worker Classification** field in the Company Relationship screen.\n\n**Note:** See Establish a Relationship in the Company Relationship section.\n\n**Parent topic:**Chapter VI—Temporary Authority to Operate",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_TA_workerClassification.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_TA_workerClassification.md",
      "headings": [
        "Worker Classification {#nmlsPG_workerClassification .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_TA_workerClassification.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_UAAR_PhysicalAddressValidation.md:chunk-0",
      "title": "UAAR Physical Address Validation {#nmlsPG_uaarPhysicalAddressValidation .concept}",
      "content": "# UAAR Physical Address Validation \n\nNMLS utilizes an external address validation service \\(Melissa Data\\) to validate Physical Addresses against the United States Postal Service’s \\(USPS\\) database. As part of address validation, minor corrections and standardizations may be performed.\n\nIn general, if the address a company has on file for an agent is currently recognized by the USPS and the USPS delivers mail to that address, it is accepted by NMLS.\n\nIf a Physical Address is considered invalid, an error description is provided in the results file. Licensees are expected to attempt to correct invalid addresses. If after completing due diligence in attempting to correct the address the licensees feel the address is correct, the licensee can submit, via the NMLS call center, the address for regulator review. The state regulator for which the agent is physically located then reviews the address and either rejects or approves the address as an exception. The licensee, via email, is notified when review is complete and must then upload the agent to NMLS or further work to correct a rejected address.\n\nOnly United States and Canadian addresses are validated. If authorized agent / delegate information in other countries is required, NMLS accepts that information without validating the physical address information.\n\n**Parent topic:**Uniform Authorized Agent Reporting \\(UAAR\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_UAAR_PhysicalAddressValidation.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_UAAR_PhysicalAddressValidation.md",
      "headings": [
        "UAAR Physical Address Validation {#nmlsPG_uaarPhysicalAddressValidation .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_UAAR_PhysicalAddressValidation.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_UAAR_uniformAuthorizedAgentReporting-1.md:chunk-0",
      "title": "Uniform Authorized Agent Reporting \\(UAAR\\) {#nmlsPG_uniformAuthorizedAgentReportingUaar .concept}",
      "content": "# Uniform Authorized Agent Reporting \\(UAAR\\) \n\nUniform Authorized Agent Reporting \\(UAAR\\) assists regulators with the supervision and monitoring of money services businesses and their authorized agent / delegate locations, which may include company owned branch locations.\n\nThe NMLS UAAR process allows licensed money service businesses to file a single uniform report of their authorized agent / delegate locations through NMLS to all participating state agencies. Reporting through NMLS replaces these states’ reporting requirements. However, applicants are encouraged to review their state regulator’s checklist to make sure all reporting requirements are met.\n\nMoney services businesses submit periodic reports based on the state’s reporting requirements regarding authorized agents by uploading an authorized agent file via a `CSV` template file for their company. Reporting includes any changes to current authorized agent / delegate locations or reporting no changes to current authorized agent locations.\n\nReasons to upload an authorized agent / delegate file:\n\n-   New authorized agent locations\n-   Updates to existing authorized agent locations\n-   Terminated authorized agent locations\n\nThe UAAR functionality is a living database of the licensee’s locations, which may include those that are company owned branch locations. When completing updates only the updated agents should be included in the upload file. The UAAR quarterly reporting license item requires that updates or a confirmation of **No Changes to Report** be submitted within 45 days of the license item being placed on the licensee’s record. An upload of any state UAAR will clear the license item. States with more frequent reporting requirements are communicated to the licensee on the checklist.\n\nIf there are no new additions, terminations, or changes to your company’s current authorized agent / delegate locations, the **No Changes to Report** functionality allows the company to legally attest to this effect and",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_UAAR_uniformAuthorizedAgentReporting-1.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_UAAR_uniformAuthorizedAgentReporting-1.md",
      "headings": [
        "Uniform Authorized Agent Reporting \\(UAAR\\) {#nmlsPG_uniformAuthorizedAgentReportingUaar .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_UAAR_uniformAuthorizedAgentReporting-1.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_UAAR_uniformAuthorizedAgentReporting-1.md:chunk-1",
      "title": "Uniform Authorized Agent Reporting \\(UAAR\\) {#nmlsPG_uniformAuthorizedAgentReportingUaar .concept}",
      "content": " additions, terminations, or changes to your company’s current authorized agent / delegate locations, the **No Changes to Report** functionality allows the company to legally attest to this effect and meet its reporting requirement\\(s\\).\n\nIn some cases, a company has no Authorized Agents to report but still has a reporting obligation. For their initial submission the button will read as **No Agents to Report**. Once the company has fulfilled their initial reporting obligation, the **No Changes to Report** option is presented.\n\nA company that has no agent locations to report should select the **No Agents to Report** button on the Authorized Agent Home page. For licensees with no agents, a quarterly confirmation that there are no agents must be completed. The company should click **No Changes to Report** and attest. State agencies need to know which licensees use Agent locations and those that do not.\n\nOnly companies with a prior Company Filing and a MSB license type in a pending, approved, surrendered, or terminated status are permitted to upload an Authorized Agent file.\n\n-   **UAAR Physical Address Validation**  \nNMLS utilizes an external address validation service \\(Melissa Data\\) to validate Physical Addresses against the United States Postal Service’s \\(USPS\\) database. As part of address validation, minor corrections and standardizations may be performed.\n-   **Uniform Authorized Agent Reporting \\(UAAR\\)**  \nUnderstand the purpose of Uniform Authorized Agent Reporting \\(UAAR\\) in NMLS and how it supports regulatory oversight of money services businesses through periodic reporting of authorized agents.\n\n**Parent topic:**Chapter VIII—Call Reports",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_UAAR_uniformAuthorizedAgentReporting-1.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_UAAR_uniformAuthorizedAgentReporting-1.md",
      "headings": [
        "Uniform Authorized Agent Reporting \\(UAAR\\) {#nmlsPG_uniformAuthorizedAgentReportingUaar .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_UAAR_uniformAuthorizedAgentReporting-1.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_UAAR_uniformAuthorizedAgentReporting.md:chunk-0",
      "title": "Uniform Authorized Agent Reporting \\(UAAR\\) {#nmlsPG_uniformAuthorizedAgentReportingUaar .concept}",
      "content": "# Uniform Authorized Agent Reporting \\(UAAR\\) \n\nUniform Authorized Agent Reporting \\(UAAR\\) assists regulators with the supervision and monitoring of money services businesses and their authorized agent / delegate locations, which may include company owned branch locations.\n\nThe NMLS UAAR process allows licensed money service businesses to file a single uniform report of their authorized agent / delegate locations through NMLS to all participating state agencies. Reporting through NMLS replaces these states’ reporting requirements. However, applicants are encouraged to review their state regulator’s checklist to make sure all reporting requirements are met.\n\nMoney services businesses submit periodic reports based on the state’s reporting requirements regarding authorized agents by uploading an authorized agent file via a `CSV` template file for their company. Reporting includes any changes to current authorized agent / delegate locations or reporting no changes to current authorized agent locations.\n\nReasons to upload an authorized agent / delegate file:\n\n-   New authorized agent locations\n-   Updates to existing authorized agent locations\n-   Terminated authorized agent locations\n\nThe UAAR functionality is a living database of the licensee’s locations, which may include those that are company owned branch locations. When completing updates only the updated agents should be included in the upload file. The UAAR quarterly reporting license item requires that updates or a confirmation of **No Changes to Report** be submitted within 45 days of the license item being placed on the licensee’s record. An upload of any state UAAR will clear the license item. States with more frequent reporting requirements are communicated to the licensee on the checklist.\n\nIf there are no new additions, terminations, or changes to your company’s current authorized agent / delegate locations, the **No Changes to Report** functionality allows the company to legally attest to this effect and",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_UAAR_uniformAuthorizedAgentReporting.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_UAAR_uniformAuthorizedAgentReporting.md",
      "headings": [
        "Uniform Authorized Agent Reporting \\(UAAR\\) {#nmlsPG_uniformAuthorizedAgentReportingUaar .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_UAAR_uniformAuthorizedAgentReporting.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_UAAR_uniformAuthorizedAgentReporting.md:chunk-1",
      "title": "Uniform Authorized Agent Reporting \\(UAAR\\) {#nmlsPG_uniformAuthorizedAgentReportingUaar .concept}",
      "content": " additions, terminations, or changes to your company’s current authorized agent / delegate locations, the **No Changes to Report** functionality allows the company to legally attest to this effect and meet its reporting requirement\\(s\\).\n\nIn some cases, a company has no Authorized Agents to report but still has a reporting obligation. For their initial submission the button will read as **No Agents to Report**. Once the company has fulfilled their initial reporting obligation, the **No Changes to Report** option is presented.\n\nA company that has no agent locations to report should select the **No Agents to Report** button on the Authorized Agent Home page. For licensees with no agents, a quarterly confirmation that there are no agents must be completed. The company should click **No Changes to Report** and attest. State agencies need to know which licensees use Agent locations and those that do not.\n\nOnly companies with a prior Company Filing and a MSB license type in a pending, approved, surrendered, or terminated status are permitted to upload an Authorized Agent file.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_UAAR_uniformAuthorizedAgentReporting.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_UAAR_uniformAuthorizedAgentReporting.md",
      "headings": [
        "Uniform Authorized Agent Reporting \\(UAAR\\) {#nmlsPG_uniformAuthorizedAgentReportingUaar .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_UAAR_uniformAuthorizedAgentReporting.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_appendices_section.md:chunk-0",
      "title": "Appendices {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fd0 .concept}",
      "content": "# Appendices \n\n-   **Appendix 1**  \nAddressing inconsistency between licensee’s NMLS record and state files during Transition.\n-   **Disclosure Explanations Reference—Document Upload**  \nPossible types of documents needed for disclosure questions answered with **Yes**. Updated: 2013-03-19\n-   **Providing Disclosure Explanations**  \nHow to provide disclosure explanations in NMLS.\n-   **Document Upload Descriptions and Examples**  \nDescriptions and examples of the different types of documentation available for upload to NMLS.\n-   **About the Document Library**  \nDocument requirements are determined by the specific license requirements outlined in theAgency Guidance section of your MU4 filing. There are no standard documents required for every application; required uploads vary depending on your agency’s licensing guidance.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_appendices_section.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_appendices_section.md",
      "headings": [
        "Appendices {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fd0 .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_appendices_section.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_appendix1_InconssitencyDuringTransition.md:chunk-0",
      "title": "Appendix 1 {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fcf .concept}",
      "content": "# Appendix 1 \n\nAddressing inconsistency between licensee’s NMLS record and state files during Transition.\n\nThe One Record concept poses issues for licensees and regulators during Transition.Transition is the submission of a license request by an existing licensee through NMLS to the state regulator. It is possible the attested Company, Branch, or Individual Form submitted by a licensee through NMLS may not match the information a state regulator has on file with regards to that licensee.\n\nRegulators may place a license item on the entity’s record and request additional information. Licensees cannot be expected to submit false information initially merely to match a state’s information on file for two reasons:\n\n1.  Licensees are required to legally attest to the accuracy of the information with each submission.\n2.  A licensee’s NMLS record may have already been accepted in another state. Any change they make would change that other state’s license information.\n\n**Parent topic:**Appendices",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_appendix1_InconssitencyDuringTransition.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_appendix1_InconssitencyDuringTransition.md",
      "headings": [
        "Appendix 1 {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fcf .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_appendix1_InconssitencyDuringTransition.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_bizActivityDef.md:chunk-0",
      "title": "Business Activities Definitions {#nmlsPG_businessActivitiesDefinitions .concept}",
      "content": "# Business Activities Definitions \n\nBusiness Activities are generic, non-legal definitions of a financial services activity that reasonably describes an activity permitted by a state, and therefore the definitions may not be comparable with state statutory definitions. No activity can be covered by more than one definition.\n\nWhen applying for a license, applicants should review this document in its entirety and make sure to select all business activities that they intend to perform under their business model.\n\n**Note:** Be aware that several states have multiple agencies that regulate financial services activities. You should confirm that you are applying to the appropriate state agency before conducting busines sactivities in a state.\n\nThese activities are divided into the following four categories:\n\n1.  Mortgage\n2.  Consumer Finance\n3.  Debt\n4.  Money Services\n\n-   **Mortgage**  \n\n-   **Consumer Finance**  \n\n-   **Debt**  \n\n-   **Money Services**",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_bizActivityDef.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_bizActivityDef.md",
      "headings": [
        "Business Activities Definitions {#nmlsPG_businessActivitiesDefinitions .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_bizActivityDef.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_callReports.md:chunk-0",
      "title": "Chapter VIII—Call Reports {#nmlsPG_callReports .concept}",
      "content": "# Chapter VIII—Call Reports \n\nNMLS accommodates both the Mortgage and Money Services Call Reports.\n\n-   **Mortgage Call Report \\(MCR\\)**  \nThe Mortgage Call Report \\(MCR\\) must be completed by all state-licensed companies and companies employing state licensed mortgage loan originators \\(MLOs\\).\n-   **Money Services Businesses \\(MSB\\) Call Report**  \nThe Money Services Businesses \\(MSB\\) Call Report was developed with the goal of enhancing and standardizing the information available to state regulators concerning the activities of their Money Services Businesses licensees \\(money transmitters, check cashers, prepaid, etc.\\). Licensees can complete the report directly in NMLS.\n-   **Uniform Authorized Agent Reporting \\(UAAR\\)**  \nUniform Authorized Agent Reporting \\(UAAR\\) assists regulators with the supervision and monitoring of money services businesses and their authorized agent / delegate locations, which may include company owned branch locations.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_callReports.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_callReports.md",
      "headings": [
        "Chapter VIII—Call Reports {#nmlsPG_callReports .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_callReports.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch1A_acct_creating.md:chunk-0",
      "title": "Account Creation {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fdb .concept}",
      "content": "# Account Creation \n\nCompanies and individuals who need to apply for a license in NMLS must first create an account.\n\n## Individual Account Creation \n\nAn account is used to generate, access and maintain a record in NMLS. When an individual requests an account in NMLS, the system requires a Date of Birth \\(DOB\\) and a Social Security number \\(SSN\\) for identification purposes. Ensure that this information is entered accurately upon establishing the individual account. If the DOB or SSN is entered incorrectly the individual must contact the NMLS Call Center[^1] to have the information updated.\n\nIndividuals without a Social Security number must contact the NMLS Call Center and will be required to provide supplemental documentation to obtain an account in NMLS.\n\nFor further information, see Request an Individual NMLS Account.\n\nAs part of account creation, a valid email address is required and must be kept current. The email address is used for account access purposes and for communicating with state agency representatives. SRR, on behalf of state regulators, may periodically monitor the use of duplicate email addresses for system integrity purposes.\n\nIndividuals are also required to provide a recovery email address directly and continually accessible by the individual whose name and SSN are on the account. This email address is required in case of an employment change or other event that may impact the user’s ability to use the initial email address to access NMLS.\n\nUsers can also add a cell phone number and a secondary account recovery email.\n\n**Attention:**\n\nAn individual account is considered a dormant account if it contains no data such as testing and education results, regulatory actions or submitted license applications. NMLS will delete a dormant individual user account after 180 days. Pending filings do not prevent an account from dormancy and will be deleted after 180 days along with any related dormant accounts. Any record of an individual on a company filing ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch1A_acct_creating.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch1A_acct_creating.md",
      "headings": [
        "Account Creation {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fdb .concept}",
        "Individual Account Creation {#section_txz_kjt_pfc .section}",
        "Company Account Creation {#section_mbb_ttt_pfc .section}",
        "When NMLS should be used {#section_z5g_wvt_pfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch1A_acct_creating.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch1A_acct_creating.md:chunk-1",
      "title": "Account Creation {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fdb .concept}",
      "content": "unt after 180 days. Pending filings do not prevent an account from dormancy and will be deleted after 180 days along with any related dormant accounts. Any record of an individual on a company filing named as a non-control Indirect Owner will not be marked as dormant.\n\nFor accounts with education and testing results or submitted or approved filings, NMLS will disable the account if it has not been accessed in 120 days by a company account user or 15 months by an individual user. If a user account is disabled, the System prompts the user to provide identifying information before they can log into their account.\n\n## Company Account Creation \n\nFor a company to access NMLS it must go through an entitlement process. The process requires an official within the company to complete the Company Account Request Formwhich designates who is entitled to have access to the company account.\n\nTo verify company legitimacy and to prevent duplicate accounts, the entitlement process requires the following on the Company Account Request Form:\n\n-   *Full Name of Applicant*\n-   *IRS Employer Identification Number*\n-   *State/Province & Country of formation*\n-   *Date of formation*\n\nWhen requesting a company account in NMLS, only company employees that should have access to NMLS should be listed as account administrators. If additional users outside the company need to have access to NMLS, account administrators will be able to create designated user accounts after the company account is created.\n\n**Important:**\n\nThe Internal Revenue Service \\(IRS\\) indicates that Employer Identification Numbers \\(EIN\\) are unique and are never re-issued. Therefore, the EIN is the basis for maintaining unique records.\n\nAdditionally, companies with the same full legal name and state of incorporation will be flagged for review to determine that they are separate entities. In no case should any two NMLS records share the same data for the 4 pieces of information above. This should prevent a company from inadv",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch1A_acct_creating.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch1A_acct_creating.md",
      "headings": [
        "Account Creation {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fdb .concept}",
        "Individual Account Creation {#section_txz_kjt_pfc .section}",
        "Company Account Creation {#section_mbb_ttt_pfc .section}",
        "When NMLS should be used {#section_z5g_wvt_pfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch1A_acct_creating.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch1A_acct_creating.md:chunk-2",
      "title": "Account Creation {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fdb .concept}",
      "content": "gged for review to determine that they are separate entities. In no case should any two NMLS records share the same data for the 4 pieces of information above. This should prevent a company from inadvertently establishing two records in the system for the same company.\n\nCompany account administrators cannot change and/or update the EIN. Only the NMLS Call Center can update an EIN in NMLS pending appropriate authorization. Companies needing to change their EIN are required to contact the NMLS Call Center at 1-855-NMLS-123 \\(1-855-665-7123\\)..\n\n## When NMLS should be used \n\n**Restriction:** **Use of “NMLS” in a Public Facing Email Address Domain Name**\n\n“NMLS” shall not be used in a public facing email address domain name. An email address domain name containing “NMLS” shall not be used in advertising, which would imply there is a relationship between NMLS and the parties. An email address domain name using NMLS cannot appear on consumer access.\n\nAny person or entity wishing to apply for a license, amend an existing license, surrender a license, cancel a license request, or renew their license should do so through NMLS.\n\n**Parent topic:**A. Getting Started\n\n**Previous topic:**Determine if a License is on NMLS\n\n**Next topic:**Record Creation\n\n[^1]: The NMLS Call Center is available for help with system functionality. The representatives cannot confirm licensing requirements or state specific information. The call center is available from 9:00 a.m. to 9:00 p.m. Eastern Time Monday thru Friday.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch1A_acct_creating.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch1A_acct_creating.md",
      "headings": [
        "Account Creation {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fdb .concept}",
        "Individual Account Creation {#section_txz_kjt_pfc .section}",
        "Company Account Creation {#section_mbb_ttt_pfc .section}",
        "When NMLS should be used {#section_z5g_wvt_pfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch1A_acct_creating.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch1A_getStarted.md:chunk-0",
      "title": "A. Getting Started {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fdd .concept}",
      "content": "# A. Getting Started \n\nGetting started necessitates three steps:\n\n1.  Determine if a License is on NMLS  \nEach state agency determines which of their license authorities they wish to manage through NMLS. License authorities managed through NMLS include mortgage, consumer finance, debt, and money services.\n2.  Account Creation  \nCompanies and individuals who need to apply for a license in NMLS must first create an account.\n3.  Record Creation  \nOnce an account is created, companies and individuals must create their record in the System. Each distinct legal entity, branch, and natural person will have a single, unique record in the NMLS.\n\n**Parent topic:**Chapter I—Getting Started on the System",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch1A_getStarted.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch1A_getStarted.md",
      "headings": [
        "A. Getting Started {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fdd .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch1A_getStarted.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch1A_licenseExists_determining.md:chunk-0",
      "title": "Determine if a License is on NMLS {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fdc .concept}",
      "content": "# Determine if a License is on NMLS \n\nEach state agency determines which of their license authorities they wish to manage through NMLS. License authorities managed through NMLS include mortgage, consumer finance, debt, and money services.\n\nBusiness activities drive license types in the System. Business Activity Detail, which applies to NMLS and SES, can be found in Business Activities Definitions.\n\nIt is important to note that a state agency may not manage all of these license authorities on NMLS.\n\nNMLS is designed to replace each state’s existing licensing application forms and manual processes and therefore it is intended to be the sole vehicle for applicants or licensees to apply for and manage these licenses.\n\n**Parent topic:**A. Getting Started\n\n**Previous topic:**A. Getting Started\n\n**Next topic:**Account Creation",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch1A_licenseExists_determining.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch1A_licenseExists_determining.md",
      "headings": [
        "Determine if a License is on NMLS {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fdc .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch1A_licenseExists_determining.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch1A_recordCreation.md:chunk-0",
      "title": "Record Creation {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fd2 .concept}",
      "content": "# Record Creation \n\nOnce an account is created, companies and individuals must create their record in the System. Each distinct legal entity, branch, and natural person will have a single, unique record in the NMLS.\n\nThe record consists of demographic and other data points, as well as information required by the SAFE Act. This information is captured on the following forms:\n\n-   Company Form \\(MU1\\)\n-   Individual Form \\(MU2\\)\n-   Branch Form \\(MU3\\)\n-   Individual License Form \\(MU4\\)\n\nThese forms are available electronically on the NMLS State Resource Center.\n\nOnce a record is created, an individual or entity will use NMLS to add or amend the data on their record, apply for or maintain licenses, apply for new licenses, transition an existing license onto the System[^1], surrender a license, cancel a license request, or renew a license.\n\nAn applicant or licensee generates a filing in NMLS incorporating the most recent information from their record. The filing is submitted to a state regulator to apply for, surrender, or amend a license. A filing may contain a request to more than one state regulator. When submitting a filing, one must attest that the information is true and accurate as of the date of the filing. The term filing may also encompass the submission of financial statements or call reports within the System.\n\n**Note:** Companies and individuals are responsible for maintaining their record and can update their record by submitting a new filing to the state regulator.\n\n**Note:** In certain instances, a company may be required to create a new record \\(see E. Amendments to a Company’s Structure That Will Require the Creation of a New NMLS Record\\).\n\n**Important:**\n\nNMLS operates as a real-time system and is the legal system of record for the state agency. When a company, branch, or individual updates their record, the change applies to every state in which they hold a license.\n\nAs a real time system, document uploads, including regulatory actions, changes ma",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch1A_recordCreation.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch1A_recordCreation.md",
      "headings": [
        "Record Creation {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fd2 .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch1A_recordCreation.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch1A_recordCreation.md:chunk-1",
      "title": "Record Creation {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fd2 .concept}",
      "content": " company, branch, or individual updates their record, the change applies to every state in which they hold a license.\n\nAs a real time system, document uploads, including regulatory actions, changes made to a licensee’s record, or license status by a regulator become part of a company, branch, or individual record and are effective as of the date and time of the change in NMLS except for an advance change notice \\(defined in Chapter II, seeAdvance Change Notice \\(ACN\\)\\).\n\nExcept for state-specific documents, all states see the same MLO or company license information. If a state questions or rejects the information on a submitted filing or license amendment, the MLO or company can forego licensure in that state or change their record to address an agency’s concern. Note that any change can be viewed by all states.\n\nAn MLO or company record is required to be always kept up to date. Licensees are required to update their NMLS record no later than 30 days after information on the record changes. Some jurisdictions may have earlier change notification requirements.\n\n**Parent topic:**A. Getting Started\n\n**Previous topic:**Account Creation\n\n**Next topic:**B. Licensee Responsibility for Their One Record in NMLS\n\n[^1]: See Appendix 1 for license transition information.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch1A_recordCreation.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch1A_recordCreation.md",
      "headings": [
        "Record Creation {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fd2 .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch1A_recordCreation.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch1B_licenseeResponsibilityForOneRecord.md:chunk-0",
      "title": "B. Licensee Responsibility for Their One Record in NMLS {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fce .concept}",
      "content": "# B. Licensee Responsibility for Their One Record in NMLS \n\nEach company and individual is responsible for their record in NMLS.\n\nRegulators cannot change a company, branch, or individual’s information. If a regulator has an issue with information on an applicant or licensee’s record, they may require the applicant or licensee to change their record. They will typically do this by placing a license item on the entity’s record.\n\nIndustry users of the System must agree to the Industry Terms of Use[^1]: Among other provisions the Terms of Use states:\n\n1.  An account,including a user’s unique username and password, is not transferable to any other person or entity.\n2.  A user is responsible for protecting the confidentiality of login credentials \\(including without limitation usernames and passwords\\).\n3.  Everyone accessing the System must do so with unique login credentials that can be used only by that individual.\n\n**Parent topic:**Chapter I—Getting Started on the System\n\n[^1]: The Industry Terms of Use which governs industry’s use of the System can be accessed here: Industry Terms of Use",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch1B_licenseeResponsibilityForOneRecord.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch1B_licenseeResponsibilityForOneRecord.md",
      "headings": [
        "B. Licensee Responsibility for Their One Record in NMLS {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fce .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch1B_licenseeResponsibilityForOneRecord.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch1C_stateSpecReqsOutsideNMLS.md:chunk-0",
      "title": "C. State-specific Requirements Outside NMLS {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fc9 .concept}",
      "content": "# C. State-specific Requirements Outside NMLS \n\nApplicants and licensees may be required by a state to submit additional items outside the system.\n\nThe state licensing requirements will provide instructions that will:\n\n1.  detail any information not contained on the NMLS record that must be submitted by license applicants and licensees; and\n2.  explain how certain questions on the licensee’s or applicant’s NMLS record should be answered to meet jurisdiction-specific requirements.\n\nLicensees and applicants can access state licensing requirements from links on the MU form within NMLS or visiting the State Licensing Checklist Compiler and Annual Renewal Checklist pages on the NMLS Resource Center. Materials submitted outside NMLS are generally expected to be received by the state regulator within 5 days of submission of a filing in NMLS.\n\n**Parent topic:**Chapter I—Getting Started on the System",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch1C_stateSpecReqsOutsideNMLS.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch1C_stateSpecReqsOutsideNMLS.md",
      "headings": [
        "C. State-specific Requirements Outside NMLS {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fc9 .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch1C_stateSpecReqsOutsideNMLS.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch1D_newCompanyRecord.md:chunk-0",
      "title": "D. Creation of New Company Record {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fc8 .concept}",
      "content": "# D. Creation of New Company Record \n\nEach distinct company in NMLS will have a single record, regardless of licensing status or the number of jurisdictions in which they are licensed.\n\nThe system will provide the company with a unique identification number \\(“NMLS ID Number” see NMLS Unique ID\\) that will remain constant across states and over time. The unique identifying number is different than a license number, which will be provided by a regulatoryagency. As a result, it is important in NMLS to ensure that only a single record is created for each entity that the system wishes to track.\n\n**Parent topic:**Chapter I—Getting Started on the System",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch1D_newCompanyRecord.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch1D_newCompanyRecord.md",
      "headings": [
        "D. Creation of New Company Record {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fc8 .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch1D_newCompanyRecord.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch1E_compStructChgReqNewNMLSRecord-1.md:chunk-0",
      "title": "E. Amendments to a Company’s Structure That Will Require the Creation of a New NMLS Record {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fd1 .concept}",
      "content": "# E. Amendments to a Company’s Structure That Will Require the Creation of a New NMLS Record \n\nChanges made to a company’s structure may necessitate a new company record. Whether a new record is required depends on how the change is treated pursuant to the state statutory provisions under which the company was formed and/or how the IRS treats the change.\n\nIf an entity is considered to be the sameentity after a change is made to its structure, the existing record will be used. If the Internal Revenue Service requires a new EIN, regardless of the statutory provisions in the state, a new NMLS record is normally required.\n\nWhen the change results in the dissolution of the entity or formation of a new entity a new record will be required; this includes a change in EIN.\n\nIf the company has created a record in NMLS or submitted a filing to one or more statesthrough NMLS and the EIN has changed, they should not update any information related to the Legal Status of the entity until first contacting the NMLS Call Center at 1-855-NMLS-123 \\(1-855-665-7123\\).\n\n## Tool Tips to Determine if a New Record is Required \n\n**Tip:** Generally, if an entity is considered to be the same entity after a change is made to its structureand there is no change in the entity’s EIN, a new NMLS record is not required.\n\n**Tip:** If the *Employer Identification Number* changes, then a new NMLS record is required. A possible exception to this rule is in the case of a Sole Proprietor who converts from using his or her Social Security Number to using an IRS Employer Identification Number without changing their corporate structure \\(remaining a Sole Proprietorship\\). In cases where a Sole Proprietor changes its corporate structure, most often to an LLC or other Corporation, a new NMLS record is required.\n\n-   Companies cannot change their EIN themselves. When a licensee changes its EIN, they must contact the NMLS Call Center at 1-855-NMLS-123 \\(1-855-665-7123\\).\n\n**Tip:** If the *Full Name of Applicant*",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch1E_compStructChgReqNewNMLSRecord-1.md",
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        "E. Amendments to a Company’s Structure That Will Require the Creation of a New NMLS Record {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fd1 .concept}",
        "Tool Tips to Determine if a New Record is Required {#section_c2y_25v_pfc .section}",
        "Unique Transactions {#section_dwx_kvv_pfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch1E_compStructChgReqNewNMLSRecord-1.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch1E_compStructChgReqNewNMLSRecord-1.md:chunk-1",
      "title": "E. Amendments to a Company’s Structure That Will Require the Creation of a New NMLS Record {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fd1 .concept}",
      "content": "   Companies cannot change their EIN themselves. When a licensee changes its EIN, they must contact the NMLS Call Center at 1-855-NMLS-123 \\(1-855-665-7123\\).\n\n**Tip:** If the *Full Name of Applicant* changes, but none of the other three identifying pieces of information changes \\(EIN, state, and date of formation\\), then a new record is not required. NMLS allows companies to make such a change themselves.\n\n**Tip:** If state law and the IRS allow conversions to a new structure while maintaining the same EIN, state, and date of formation, then NMLS will not require a new record to be created.\n\n**Tip:** If a company changes ONLY its state and date of formation and \\(1\\) state law and the IRS allow these changes and \\(2\\) there is no change in the EIN or the structure of the company, then NMLS will not require a new record to be created. However, some states may require a new license.\n\n**Tip:** When a company creates a subsidiary that has a different *Full Name of Applicant*, *Employer Identification Number*, State/Province & Country of formation, and date of formation, then NMLS requires a new record.\n\n**Tip:** If a licensee changes its EIN after they create their NMLS record, but before they submit any filings in the system, then NMLS will not require a new record to be created.\n\n**Tip:** If a company has purchased another company within NMLS, a new record may or may not be required based on the circumstances of the purchase. The NMLS Call Center and SRR will work with the company to determine the best course of action to take within NMLS concerning their record\\(s\\).\n\n|Original Structure|New Structure|New Record Required?|\n|------------------|-------------|--------------------|\n|Sole Proprietorship|Any other form|Yes|\n|Partnership|Any other form|Yes|\n|Partnership|Partnership with new or different partner names|No|\n|Any corporate form|Conversion under state of domicile statutes|No - Unless New EIN is Issued|\n|Mergers of two corporations or LLCs|One of the original co",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch1E_compStructChgReqNewNMLSRecord-1.md",
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      "headings": [
        "E. Amendments to a Company’s Structure That Will Require the Creation of a New NMLS Record {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fd1 .concept}",
        "Tool Tips to Determine if a New Record is Required {#section_c2y_25v_pfc .section}",
        "Unique Transactions {#section_dwx_kvv_pfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch1E_compStructChgReqNewNMLSRecord-1.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch1E_compStructChgReqNewNMLSRecord-1.md:chunk-2",
      "title": "E. Amendments to a Company’s Structure That Will Require the Creation of a New NMLS Record {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fd1 .concept}",
      "content": "rship with new or different partner names|No|\n|Any corporate form|Conversion under state of domicile statutes|No - Unless New EIN is Issued|\n|Mergers of two corporations or LLCs|One of the original corporations or LLCs remains|No – licensee elects which entity remains in system|\n|Mergers of two corporations or LLCs|New corporation or LLC|Yes|\n\nQuestions about when a new record will need to be created can be referred to the Call Center for consideration. The only requirement that NMLS enforces is the fact that a change in EIN requires a new record. If a company fails to respond to continued requests for the creation of a new record, the state regulator will be contacted for further action and could result in the company account being disabled.\n\n## Unique Transactions \n\nMulti-series LLCs\n:   Approximately 6 or 7 state corporation statutes \\(DE is the most notable\\) allows the operating agreements of limited liability companies to provide for the establishment of one or more designated series of members, managers, or LLC interests that have separate rights, powers, or duties. The decision as to whether these “series LLCs” have separate Exact Name, IRS Employer Identification Numbers, State / Province & Country of formation, and date of formation is determined by the incorporated LLC. Additionally, states have treated these entities differently.\n\n    The NMLS Account Creation Policy requires all entities to obtain a unique employer identification number \\(EIN\\), regardless of whether this is a requirement for federal income tax purposes. Therefore, NMLS requires that each entity under a series LLC have its own unique EIN for licensing purposes.\n\nF Reorganizations\n:   In cases such as an F Reorganization, when there is a change in the state of formation, but no change to the entity’s EIN, the Date of Formation in the entity’s record shall reflect the date of formation in the new state of formation. The Date of Formation field in the company record populates the Date Form",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch1E_compStructChgReqNewNMLSRecord-1.md",
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      "headings": [
        "E. Amendments to a Company’s Structure That Will Require the Creation of a New NMLS Record {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fd1 .concept}",
        "Tool Tips to Determine if a New Record is Required {#section_c2y_25v_pfc .section}",
        "Unique Transactions {#section_dwx_kvv_pfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch1E_compStructChgReqNewNMLSRecord-1.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch1E_compStructChgReqNewNMLSRecord-1.md:chunk-3",
      "title": "E. Amendments to a Company’s Structure That Will Require the Creation of a New NMLS Record {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fd1 .concept}",
      "content": " entity’s EIN, the Date of Formation in the entity’s record shall reflect the date of formation in the new state of formation. The Date of Formation field in the company record populates the Date Formed field in Consumer Access.\n\n**Parent topic:**Chapter I—Getting Started on the System",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch1E_compStructChgReqNewNMLSRecord-1.md",
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        "E. Amendments to a Company’s Structure That Will Require the Creation of a New NMLS Record {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fd1 .concept}",
        "Tool Tips to Determine if a New Record is Required {#section_c2y_25v_pfc .section}",
        "Unique Transactions {#section_dwx_kvv_pfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch1E_compStructChgReqNewNMLSRecord-1.html",
      "snippet": null
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      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch1E_compStructChgReqNewNMLSRecord.md:chunk-0",
      "title": "E. Amendments to a Company’s Structure That Will Require the Creation of a New NMLS Record {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fd1 .concept}",
      "content": "# E. Amendments to a Company’s Structure That Will Require the Creation of a New NMLS Record \n\nChanges made to a company’s structure may necessitate a new company record. Whether a new record is required depends on how the change is treated pursuant to the state statutory provisions under which the company was formed and/or how the IRS treats the change.\n\nIf an entity is considered to be the sameentity after a change is made to its structure, the existing record will be used. If the Internal Revenue Service requires a new EIN, regardless of the statutory provisions in the state, a new NMLS record is normally required.\n\nWhen the change results in the dissolution of the entity or formation of a new entity a new record will be required; this includes a change in EIN.\n\nIf the company has created a record in NMLS or submitted a filing to one or more statesthrough NMLS and the EIN has changed, they should not update any information related to the Legal Status of the entity until first contacting the NMLS Call Center at 1-855-NMLS-123 \\(1-855-665-7123\\).\n\n## Tool Tips to Determine if a New Record is Required \n\n**Tip:** Generally, if an entity is considered to be the same entity after a change is made to its structureand there is no change in the entity’s EIN, a new NMLS record is not required.\n\n**Tip:** If the *Employer Identification Number* changes, then a new NMLS record is required. A possible exception to this rule is in the case of a Sole Proprietor who converts from using his or her Social Security Number to using an IRS Employer Identification Number without changing their corporate structure \\(remaining a Sole Proprietorship\\). In cases where a Sole Proprietor changes its corporate structure, most often to an LLC or other Corporation, a new NMLS record is required.\n\n-   Companies cannot change their EIN themselves. When a licensee changes its EIN, they must contact the NMLS Call Center at 1-855-NMLS-123 \\(1-855-665-7123\\).\n\n**Tip:** If the *Full Name of Applicant*",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch1E_compStructChgReqNewNMLSRecord.md",
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      "headings": [
        "E. Amendments to a Company’s Structure That Will Require the Creation of a New NMLS Record {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fd1 .concept}",
        "Tool Tips to Determine if a New Record is Required {#section_c2y_25v_pfc .section}",
        "Unique Transactions {#section_dwx_kvv_pfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch1E_compStructChgReqNewNMLSRecord.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch1E_compStructChgReqNewNMLSRecord.md:chunk-1",
      "title": "E. Amendments to a Company’s Structure That Will Require the Creation of a New NMLS Record {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fd1 .concept}",
      "content": "   Companies cannot change their EIN themselves. When a licensee changes its EIN, they must contact the NMLS Call Center at 1-855-NMLS-123 \\(1-855-665-7123\\).\n\n**Tip:** If the *Full Name of Applicant* changes, but none of the other three identifying pieces of information changes \\(EIN, state, and date of formation\\), then a new record is not required. NMLS allows companies to make such a change themselves.\n\n**Tip:** If state law and the IRS allow conversions to a new structure while maintaining the same EIN, state, and date of formation, then NMLS will not require a new record to be created.\n\n**Tip:** If a company changes ONLY its state and date of formation and \\(1\\) state law and the IRS allow these changes and \\(2\\) there is no change in the EIN or the structure of the company, then NMLS will not require a new record to be created. However, some states may require a new license.\n\n**Tip:** When a company creates a subsidiary that has a different *Full Name of Applicant*, *Employer Identification Number*, State/Province & Country of formation, and date of formation, then NMLS requires a new record.\n\n**Tip:** If a licensee changes its EIN after they create their NMLS record, but before they submit any filings in the system, then NMLS will not require a new record to be created.\n\n**Tip:** If a company has purchased another company within NMLS, a new record may or may not be required based on the circumstances of the purchase. The NMLS Call Center and SRR will work with the company to determine the best course of action to take within NMLS concerning their record\\(s\\).\n\n|Original Structure|New Structure|New Record Required?|\n|------------------|-------------|--------------------|\n|Sole Proprietorship|Any other form|Yes|\n|Partnership|Any other form|Yes|\n|Partnership|Partnership with new or different partner names|No|\n|Any corporate form|Conversion under state of domicile statutes|No - Unless New EIN is Issued|\n|Mergers of two corporations or LLCs|One of the original co",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch1E_compStructChgReqNewNMLSRecord.md",
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      "headings": [
        "E. Amendments to a Company’s Structure That Will Require the Creation of a New NMLS Record {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fd1 .concept}",
        "Tool Tips to Determine if a New Record is Required {#section_c2y_25v_pfc .section}",
        "Unique Transactions {#section_dwx_kvv_pfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch1E_compStructChgReqNewNMLSRecord.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch1E_compStructChgReqNewNMLSRecord.md:chunk-2",
      "title": "E. Amendments to a Company’s Structure That Will Require the Creation of a New NMLS Record {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fd1 .concept}",
      "content": "rship with new or different partner names|No|\n|Any corporate form|Conversion under state of domicile statutes|No - Unless New EIN is Issued|\n|Mergers of two corporations or LLCs|One of the original corporations or LLCs remains|No – licensee elects which entity remains in system|\n|Mergers of two corporations or LLCs|New corporation or LLC|Yes|\n\nQuestions about when a new record will need to be created can be referred to the Call Center for consideration. The only requirement that NMLS enforces is the fact that a change in EIN requires a new record. If a company fails to respond to continued requests for the creation of a new record, the state regulator will be contacted for further action and could result in the company account being disabled.\n\n## Unique Transactions \n\nMulti-series LLCs\n:   Approximately 6 or 7 state corporation statutes \\(DE is the most notable\\) allows the operating agreements of limited liability companies to provide for the establishment of one or more designated series of members, managers, or LLC interests that have separate rights, powers, or duties. The decision as to whether these “series LLCs” have separate Exact Name, IRS Employer Identification Numbers, State / Province & Country of formation, and date of formation is determined by the incorporated LLC. Additionally, states have treated these entities differently.\n\n    The NMLS Account Creation Policy requires all entities to obtain a unique employer identification number \\(EIN\\), regardless of whether this is a requirement for federal income tax purposes. Therefore, NMLS requires that each entity under a series LLC have its own unique EIN for licensing purposes.\n\nF Reorganizations\n:   In cases such as an F Reorganization, when there is a change in the state of formation, but no change to the entity’s EIN, the Date of Formation in the entity’s record shall reflect the date of formation in the new state of formation. The Date of Formation field in the company record populates the Date Form",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch1E_compStructChgReqNewNMLSRecord.md",
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        "E. Amendments to a Company’s Structure That Will Require the Creation of a New NMLS Record {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fd1 .concept}",
        "Tool Tips to Determine if a New Record is Required {#section_c2y_25v_pfc .section}",
        "Unique Transactions {#section_dwx_kvv_pfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch1E_compStructChgReqNewNMLSRecord.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch1E_compStructChgReqNewNMLSRecord.md:chunk-3",
      "title": "E. Amendments to a Company’s Structure That Will Require the Creation of a New NMLS Record {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fd1 .concept}",
      "content": " entity’s EIN, the Date of Formation in the entity’s record shall reflect the date of formation in the new state of formation. The Date of Formation field in the company record populates the Date Formed field in Consumer Access.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch1E_compStructChgReqNewNMLSRecord.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch1E_compStructChgReqNewNMLSRecord.md",
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        "E. Amendments to a Company’s Structure That Will Require the Creation of a New NMLS Record {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fd1 .concept}",
        "Tool Tips to Determine if a New Record is Required {#section_c2y_25v_pfc .section}",
        "Unique Transactions {#section_dwx_kvv_pfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch1E_compStructChgReqNewNMLSRecord.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch1F_consumerAccPublicInfo.md:chunk-0",
      "title": "F. Consumer Access and Publicly Available Information {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fc7 .concept}",
      "content": "# F. Consumer Access and Publicly Available Information \n\nSome information from a licensee’s record is made publicly available through NMLS Consumer Access which is a separate system.\n\nThe **Safe Act** states NMLS shall “provide consumers with easily accessible information, offered at no charge, utilizing electronic media, including the Internet, regarding the employment history of, and publicly adjudicated disciplinary and enforcement actions against, loan originators.”\n\nAccordingly, some information from a licensee’s record is made publicly available through NMLS Consumer Access which is a separate system than NMLS. Areas of the Company, Branch, and Individual Forms that are made available are indicated throughout the Guidebook.\n\n**Parent topic:**Chapter I—Getting Started on the System",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch1F_consumerAccPublicInfo.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch1F_consumerAccPublicInfo.md",
      "headings": [
        "F. Consumer Access and Publicly Available Information {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fc7 .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch1F_consumerAccPublicInfo.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch1_generalPolicies.md:chunk-0",
      "title": "Chapter I—Getting Started on the System {#nmlsPG_generalPurpose .concept}",
      "content": "# Chapter I—Getting Started on the System \n\nNMLS is designed to replace each state’s existing licensing application forms and manual processes.\n\n-   **Terminology Used in this Chapter**  \n\n-   **A. Getting Started**  \nGetting started necessitates three steps:\n-   **B. Licensee Responsibility for Their One Record in NMLS**  \nEach company and individual is responsible for their record in NMLS.\n-   **C. State-specific Requirements Outside NMLS**  \nApplicants and licensees may be required by a state to submit additional items outside the system.\n-   **D. Creation of New Company Record**  \nEach distinct company in NMLS will have a single record, regardless of licensing status or the number of jurisdictions in which they are licensed.\n-   **E. Amendments to a Company’s Structure That Will Require the Creation of a New NMLS Record**  \nChanges made to a company’s structure may necessitate a new company record. Whether a new record is required depends on how the change is treated pursuant to the state statutory provisions under which the company was formed and/or how the IRS treats the change.\n-   **F. Consumer Access and Publicly Available Information**  \nSome information from a licensee’s record is made publicly available through NMLS Consumer Access which is a separate system.\n-   **NMLS Terms of Use**  \nUsers must read and accept the Industry Terms of Use by clicking the **I Agree to the Terms of Use** button after logging in.\n-   **User Accounts and Profiles**  \n This section introduces individual user accounts and profiles in NMLS, including how accounts are created, managed, and updated. It provides an overview of related tasks and explains where users can find detailed instructions for completing common account and profile activities.\n-   **Account Administration**  \nOverview of the account administration process for company and institution Account Administrators.\n-   **NMLS Unique Identifier**  \nThe NMLS Unique Identifier is the number permanently assigned by the Na",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch1_generalPolicies.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch1_generalPolicies.md",
      "headings": [
        "Chapter I—Getting Started on the System {#nmlsPG_generalPurpose .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch1_generalPolicies.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch1_generalPolicies.md:chunk-1",
      "title": "Chapter I—Getting Started on the System {#nmlsPG_generalPurpose .concept}",
      "content": "rview of the account administration process for company and institution Account Administrators.\n-   **NMLS Unique Identifier**  \nThe NMLS Unique Identifier is the number permanently assigned by the Nationwide Multistate Licensing System​​ \\(NMLS\\) for each company, branch, and individual that maintains a single account on NMLS.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch1_generalPolicies.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch1_generalPolicies.md",
      "headings": [
        "Chapter I—Getting Started on the System {#nmlsPG_generalPurpose .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch1_generalPolicies.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch1_terms.md:chunk-0",
      "title": "Terminology Used in this Chapter {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7ff7 .glossgroup}",
      "content": "# Terminology Used in this Chapter \n\n**Parent topic:**Chapter I—Getting Started on the System\n\n## account \n\nAn account is the vehicle through which a user accesses their record in the System.\n\n## disabled account \n\n-   An individual account associated with a record that has not been accessed by the individual user within 425 days.\n-   A company account administrator or organization user account that has not been accessed for 425 days\n-   An institution account administrator account that has not been accessed for 90 days\n-   An institution organizational user account where the user has CHRI access that has not been accessed for 90 days\n-   An institution organizational user account where the user has no CHRI access that has not been accessed for 425 days\n    -   If a user account is disabled, the System will prompt the user to provide identifying information before access to the account is granted.\n    -   Company accounts can be disabled if the company has not logged in to the account for 120 days or if fraud or suspicious activity on the account is detected.\n\n## dormant account \n\nCompany accounts do not go dormant.\n\nAn individual account associated with a record that contains no data such as testing and education results, regulatory actions or submitted licensure applications on the record.\n\n## filing \n\nThe process by which a company or individual completes and submits the appropriate form—such as the Company form \\(MU1\\), Individual form \\(MU2 or MU4\\), or Branch form \\(MU3\\)—to apply for, transition, or surrender a license, or to update information in their record. The term may also encompass the submission of financial statements or call reports within the System.\n\n## license item \n\nCreated by a regulator to denote a deficiency in a filing or a jurisdictional requirement. A license item may be generated by the System to enforce System-set requirements.\n\n## record \n\nEach company, branch and individual have a unique record in the System. A record is completed by s",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch1_terms.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch1_terms.md",
      "headings": [
        "Terminology Used in this Chapter {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7ff7 .glossgroup}",
        "account {#id_pkv_rk4_pfc}",
        "disabled account {#id_ns3_vl4_pfc}",
        "dormant account {#id_nml_4m4_pfc}",
        "filing {#id_yh4_bn4_pfc}",
        "license item {#id_lrz_tn4_pfc}",
        "record {#id_uzl_q44_pfc}",
        "transition {#id_zjh_wp4_pfc}",
        "unsubmitted filing {#id_v1v_lq4_pfc}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch1_terms.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch1_terms.md:chunk-1",
      "title": "Terminology Used in this Chapter {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7ff7 .glossgroup}",
      "content": "ement. A license item may be generated by the System to enforce System-set requirements.\n\n## record \n\nEach company, branch and individual have a unique record in the System. A record is completed by submitting the information shown on the Company Form \\(MU1\\), Individual Form \\(MU2\\), Branch Form \\(MU3\\), or Individual Licensing Form \\(MU4\\), and any accompanying documents. A record may include supervisory information, including documents or other items collected during an examination, investigation or consumer complaint handling.\n\n## transition \n\nThe submission of a license request by an existing licensee, whose license is being managed outside NMLS, is being transferred to NMLS by the state regulator.\n\n## unsubmitted filing \n\nA filing that is in a pending status because an individual or company user has not submitted the application or new information to a state agency through the System.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch1_terms.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch1_terms.md",
      "headings": [
        "Terminology Used in this Chapter {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7ff7 .glossgroup}",
        "account {#id_pkv_rk4_pfc}",
        "disabled account {#id_ns3_vl4_pfc}",
        "dormant account {#id_nml_4m4_pfc}",
        "filing {#id_yh4_bn4_pfc}",
        "license item {#id_lrz_tn4_pfc}",
        "record {#id_uzl_q44_pfc}",
        "transition {#id_zjh_wp4_pfc}",
        "unsubmitted filing {#id_v1v_lq4_pfc}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch1_terms.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch2_MU1_ACN-1.md:chunk-0",
      "title": "Advance Change Notice \\(ACN\\) {#nmlsPG_advancedChangeNoticeAcn .concept}",
      "content": "# Advance Change Notice \\(ACN\\) \n\nNMLS allows state licensees to submit certain changes to their NMLS Record in advance of the desired effective date. This functionality permits state regulators to electronically process future NMLS Record amendments and reduces the forms and filings submitted outside the system.\n\nCompanies and branches can provide an effective date for the following changes to their NMLS Record:\n\n## Company\\(MU1\\) Form Advance Change Notice \\(ACN\\) Events \n\n-   Legal Name\n-   Main\\(Corporate\\) Address\n-   Other Trade Names\n-   Legal Status\n-   Affiliates/Subsidiaries\n-   Direct and Indirect Owners/Executive Officers\n-   Qualifying Individuals\n\nAdditionally, a category exists within the Document Upload section of the Company and Branch Forms allowing supporting documents with proposed changes to be submitted as part of the ACN filing.\n\n**Note:** All documents uploaded under the Document Type of Advance Change Notice in support of an ACN are considered proposed and should be removed on the effective date of the event. Licensees must upload a final document on the effective date as an applicable Document Type, or mail documentation to the agency for those types not currently accepted within NMLS \\(e.g. Main Address documentation\\).\n\n## Advance Change Notice Refresh \n\nIf an unsubmitted Company Form \\(MU1\\) filing exists and an Advance Change Notice \\(ACN\\) is processed, the system is programed to refresh the Company \\(MU1\\) filing to incorporate the processed changes.\n\nEach section affected by the update is listed below the Filing Refresh on-screen notice, and a hyperlink to the respective section is displayed. When selected, the affected section is displayed in a new window identifying the impacted areas using a redline comparison.\n\nUnlike other filing refreshes in the system, this message does not allow the user to accept or reject changes. The filing must be refreshed to continue working on the unsubmitted Company Form \\(MU1\\) filing.\n\nAs an alterna",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch2_MU1_ACN-1.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch2_MU1_ACN-1.md",
      "headings": [
        "Advance Change Notice \\(ACN\\) {#nmlsPG_advancedChangeNoticeAcn .concept}",
        "Company\\(MU1\\) Form Advance Change Notice \\(ACN\\) Events {#section_qns_yqd_5dc .section}",
        "Advance Change Notice Refresh {#section_sns_yqd_5dc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch2_MU1_ACN-1.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch2_MU1_ACN-1.md:chunk-1",
      "title": "Advance Change Notice \\(ACN\\) {#nmlsPG_advancedChangeNoticeAcn .concept}",
      "content": "freshes in the system, this message does not allow the user to accept or reject changes. The filing must be refreshed to continue working on the unsubmitted Company Form \\(MU1\\) filing.\n\nAs an alternative to the **Refresh** button, the unsubmitted filing can be deleted by clicking the **Delete** icon. Once the filing is deleted, the **Create New Filing** button will appear, and all processed ACN’s will reflect within the new filing.\n\n**Parent topic:**Chapter II—NMLS Company Form \\(MU1\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch2_MU1_ACN-1.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch2_MU1_ACN-1.md",
      "headings": [
        "Advance Change Notice \\(ACN\\) {#nmlsPG_advancedChangeNoticeAcn .concept}",
        "Company\\(MU1\\) Form Advance Change Notice \\(ACN\\) Events {#section_qns_yqd_5dc .section}",
        "Advance Change Notice Refresh {#section_sns_yqd_5dc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch2_MU1_ACN-1.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch2_MU1_ACN.md:chunk-0",
      "title": "Advance Change Notice \\(ACN\\) {#nmlsPG_advancedChangeNoticeAcn .concept}",
      "content": "# Advance Change Notice \\(ACN\\) \n\nNMLS allows state licensees to submit certain changes to their NMLS Record in advance of the desired effective date. This functionality permits state regulators to electronically process future NMLS Record amendments and reduces the forms and filings submitted outside the system.\n\nCompanies and branches can provide an effective date for the following changes to their NMLS Record:\n\n## Company\\(MU1\\) Form Advance Change Notice \\(ACN\\) Events \n\n-   Legal Name\n-   Main\\(Corporate\\) Address\n-   Other Trade Names\n-   Legal Status\n-   Affiliates/Subsidiaries\n-   Direct and Indirect Owners/Executive Officers\n-   Qualifying Individuals\n\nAdditionally, a category exists within the Document Upload section of the Company and Branch Forms allowing supporting documents with proposed changes to be submitted as part of the ACN filing.\n\n**Note:** All documents uploaded under the Document Type of Advance Change Notice in support of an ACN are considered proposed and should be removed on the effective date of the event. Licensees must upload a final document on the effective date as an applicable Document Type, or mail documentation to the agency for those types not currently accepted within NMLS \\(e.g. Main Address documentation\\).\n\n## Advance Change Notice Refresh \n\nIf an unsubmitted Company Form \\(MU1\\) filing exists and an Advance Change Notice \\(ACN\\) is processed, the system is programed to refresh the Company \\(MU1\\) filing to incorporate the processed changes.\n\nEach section affected by the update is listed below the Filing Refresh on-screen notice, and a hyperlink to the respective section is displayed. When selected, the affected section is displayed in a new window identifying the impacted areas using a redline comparison.\n\nUnlike other filing refreshes in the system, this message does not allow the user to accept or reject changes. The filing must be refreshed to continue working on the unsubmitted Company Form \\(MU1\\) filing.\n\nAs an alterna",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch2_MU1_ACN.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch2_MU1_ACN.md",
      "headings": [
        "Advance Change Notice \\(ACN\\) {#nmlsPG_advancedChangeNoticeAcn .concept}",
        "Company\\(MU1\\) Form Advance Change Notice \\(ACN\\) Events {#section_qns_yqd_5dc .section}",
        "Advance Change Notice Refresh {#section_sns_yqd_5dc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch2_MU1_ACN.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch2_MU1_ACN.md:chunk-1",
      "title": "Advance Change Notice \\(ACN\\) {#nmlsPG_advancedChangeNoticeAcn .concept}",
      "content": "freshes in the system, this message does not allow the user to accept or reject changes. The filing must be refreshed to continue working on the unsubmitted Company Form \\(MU1\\) filing.\n\nAs an alternative to the **Refresh** button, the unsubmitted filing can be deleted by clicking the **Delete** icon. Once the filing is deleted, the **Create New Filing** button will appear, and all processed ACN’s will reflect within the new filing.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch2_MU1_ACN.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch2_MU1_ACN.md",
      "headings": [
        "Advance Change Notice \\(ACN\\) {#nmlsPG_advancedChangeNoticeAcn .concept}",
        "Company\\(MU1\\) Form Advance Change Notice \\(ACN\\) Events {#section_qns_yqd_5dc .section}",
        "Advance Change Notice Refresh {#section_sns_yqd_5dc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch2_MU1_ACN.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch2_MU1_NMLSCompanyForm.md:chunk-0",
      "title": "Chapter II—NMLS Company Form \\(MU1\\) {#nmlsPG_nmlsCompanyFormMu1 .concept}",
      "content": "# Chapter II—NMLS Company Form \\(MU1\\) \n\nNMLS Company Form \\(MU1\\) must be completed by a company applying for a license/registration in one or more states.\n\n-   **Terminology Used in this Chapter**  \n\n-   **General Instructions**  \nA company or sole proprietorship creates its record in the System by completing the NMLS Company Form \\(MU1\\).\n-   **Business Activities**  \nApplicants are required to identify all business activities conducted by their company from an NMLS approved list.\n-   **Request License**  \nThe Request/Transition License\\(s\\) screen identifies the license / registration types available based on the business activities and states selected.\n-   **Identifying Information**  \nGuidance for each required piece of company identifying information is below:\n-   **Other Trade Names\\***  \nAs noted in the field descriptions below, Other Trade Names must be completed for all other names the company will be using in NMLS participating states and for which industry types.\n-   **Resident / Registered Agent\\***  \nThe Resident/Registered Agent is the entity that will receive service of legal process on behalf of the applicant or licensee. A resident/registered agent must be identified in each state in which a license/registration is held, and the business address must be within that state.\n-   **Web Addresses\\***  \nA web address is optional in NMLS. Applicants or licensees should include any corporate websites, including all websites through which they solicit customers or through which they transact business.\n-   **Contact Employees**  \n Applicants and licensees are required to submit a primary company contact and a primary consumer complaint contact. If allowed by a state, this can be the same person.\n-   **Books and Records Information**  \nApplicants and licensees must list the company name and address of the location where books and records are stored. They must also list the name of the individual at this location that should be contacted with inquiries about ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch2_MU1_NMLSCompanyForm.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch2_MU1_NMLSCompanyForm.md",
      "headings": [
        "Chapter II—NMLS Company Form \\(MU1\\) {#nmlsPG_nmlsCompanyFormMu1 .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch2_MU1_NMLSCompanyForm.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch2_MU1_NMLSCompanyForm.md:chunk-1",
      "title": "Chapter II—NMLS Company Form \\(MU1\\) {#nmlsPG_nmlsCompanyFormMu1 .concept}",
      "content": "ust list the company name and address of the location where books and records are stored. They must also list the name of the individual at this location that should be contacted with inquiries about or to gain access to the books and records.\n-   **Approvals and Designations**  \nLicensees and applicants must provide information related to any approvals and designations that their company currently holds.\n-   **Bank Accounts**  \nApplicants and licensees should consult state licensing requirements to see if bank accountinformation is required to be provided. If not required, leave this section blank.\n-   **Legal Status\\***  \nIn addition to entering the information in this section, applicants and licenses may upload supporting documentation \\(e.g. formation documents\\) through the document uploads section of this filing.\n-   **Affiliates / Subsidaries**  \nApplicants and licensees must identify each entity under common ownership \\(affiliate\\) and each entity under control \\(subsidiary\\) that provides financial services or settlement services.\n-   **Financial Institutions**  \nIf the applicant or licensee is controlled by a Credit Union, Bank Holding Company, State Member Bank of the Federal Reserve System, State Non-Member Bank, National Bank, Foreign Bank, Savings Association/Savings Bank, or Thrift Holding Company the institution must be identified in this section.\n-   **Disclosure Questions**  \nAll Disclosure Questions must be answered.\n-   **Disclosure Explanations**  \nAn explanation must be provided for each disclosure question that has a **Yes** response. A separate explanation should be provided for each event resulting in a**Yes** response to a disclosure question.\n-   **Direct Owners, Executive Officers, and Corporate Governance**  \nThe applicant or licensee must identify all Direct Owners with 10% or more ownership and Executive Officers.\n-   **Indirect Owners**  \nApplicants and licensees must identify all indirect owners with 25% or more ownership in this sec",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch2_MU1_NMLSCompanyForm.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch2_MU1_NMLSCompanyForm.md",
      "headings": [
        "Chapter II—NMLS Company Form \\(MU1\\) {#nmlsPG_nmlsCompanyFormMu1 .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch2_MU1_NMLSCompanyForm.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch2_MU1_NMLSCompanyForm.md:chunk-2",
      "title": "Chapter II—NMLS Company Form \\(MU1\\) {#nmlsPG_nmlsCompanyFormMu1 .concept}",
      "content": "dentify all Direct Owners with 10% or more ownership and Executive Officers.\n-   **Indirect Owners**  \nApplicants and licensees must identify all indirect owners with 25% or more ownership in this section. For each owner indicate percentage of ownership.\n-   **Qualifying Individuals**  \nDifferent states refer to Qualifying Individuals as other names, such as “Qualified Person in Charge \\(QPIC\\)” or “Managing Principal.” Consult the state licensing requirements to determine if and how you should complete this section.\n-   **Advance Change Notice \\(ACN\\)**  \nNMLS allows state licensees to submit certain changes to their NMLS Record in advance of the desired effective date. This functionality permits state regulators to electronically process future NMLS Record amendments and reduces the forms and filings submitted outside the system.\n-   **Document Uploads**  \nThe Document Uploads section allows individuals to upload and submit PDF documents to regulators.\n-   **Managing MU2 Forms for Company Representatives on the Company MU1 Form**  \nLearn how to manage MU2 forms for company representatives by linking and updating their information within your company’s MU1 form in NMLS.\n-   **Historical Filings**  \nThe Historical Filings section under the Filing tab contains copies of previously submitted Company filings.\n-   **Attest and Submit**  \nThe **Submit Filing** button will only appear if the Company Form \\(MU1\\) passes all completeness checks, including Individual Form \\(MU2\\) attestations.\n-   **Completing Application Requirements Submitted Outside of NMLS**  \nUnderstand the application requirements that companies must complete outside of NMLS, including fingerprinting, background checks, and submitting state-specific documentation.\n-   **Determining Application Status**  \nLearn how to determine your company’s application status using the Composite View and Company Dashboard in NMLS for easy tracking and management.\n-   **Responding to License Items**  \nReview and intern",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch2_MU1_NMLSCompanyForm.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch2_MU1_NMLSCompanyForm.md",
      "headings": [
        "Chapter II—NMLS Company Form \\(MU1\\) {#nmlsPG_nmlsCompanyFormMu1 .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch2_MU1_NMLSCompanyForm.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch2_MU1_NMLSCompanyForm.md:chunk-3",
      "title": "Chapter II—NMLS Company Form \\(MU1\\) {#nmlsPG_nmlsCompanyFormMu1 .concept}",
      "content": "earn how to determine your company’s application status using the Composite View and Company Dashboard in NMLS for easy tracking and management.\n-   **Responding to License Items**  \nReview and internally respond to license items placed on your company, branch, or sponsored individual licenses.\n-   **Managing NMLS Electronic Surety Bonds for Licensees**  \nUnderstand how electronic surety bonds are managed within NMLS for company licensees, including submission, tracking, and compliance requirements.\n\n**Parent topic:**Applying for a State Company License",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch2_MU1_NMLSCompanyForm.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch2_MU1_NMLSCompanyForm.md",
      "headings": [
        "Chapter II—NMLS Company Form \\(MU1\\) {#nmlsPG_nmlsCompanyFormMu1 .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch2_MU1_NMLSCompanyForm.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch2_MU1_affiliatesSubsidiary.md:chunk-0",
      "title": "Affiliates / Subsidaries {#nmlsPG_affiliatesSubsidiaries .concept}",
      "content": "# Affiliates / Subsidaries \n\nApplicants and licensees must identify each entity under common ownership \\(affiliate\\) and each entity under control \\(subsidiary\\) that provides financial services or settlement services.\n\nFor purposes of this section[^1]:\n\n-   An affiliate is defined as an entity whereby the common owner, regardless of ownership amount of the applicant, owns 10% or more of the entity.\n-   A subsidiary is defined as an entity that is owned 25% or more by the applicant, either directly or indirectly.\n\nYou may utilize the search option to find the entity’s record in the system. If no record is found, then you must input the following information:\n\n**Affiliate/Subsidiary Name**\n:   provide the full legal name of the affiliate or subsidiary\n\n**Name and Street/City/State/Country/Postal Code**\n:   provide the main address for the affiliate or subsidiary\n\n**Control Relationship**\n:   identify whether the entity is under common ownership \\(affiliate\\) or under control \\(subsidiary\\) of the applicant or licensee\n\n**Description**\n:   the description should include the line of businesses engaged in by the affiliate or subsidiary\n\n-   **Identifying Affiliates and Subsidiaries**  \nLearn how to complete the Affiliates and Subsidiaries section of the MU1 form by disclosing related entities that share common ownership or control with your company.\n\n**Parent topic:**Chapter II—NMLS Company Form \\(MU1\\)\n\n[^1]: States may have different definitions and Company users are advised some states may require additional information in connection with affiliates and subsidiaries that provide financial services or settlement services.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch2_MU1_affiliatesSubsidiary.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch2_MU1_affiliatesSubsidiary.md",
      "headings": [
        "Affiliates / Subsidaries {#nmlsPG_affiliatesSubsidiaries .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch2_MU1_affiliatesSubsidiary.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch2_MU1_approveDesignate.md:chunk-0",
      "title": "Approvals and Designations {#nmlsPG_approvalsAndDesignations .concept}",
      "content": "# Approvals and Designations \n\nLicensees and applicants must provide information related to any approvals and designations that their company currently holds.\n\nIf you feel that certain approvals/designations are not captured by the mentioned categories, or not captured accurately, select the **Other Approval/Designation** field provided to clarify. If a licensee or applicant has no approvals, they can skip this section.\n\nIn addition, licensees and applicants must answer the following questions:\n\n## Will the entity engage in any non-financial services related businesses? \n\nIf the applicant or licensee answers **Yes** to this question, identify the name of the business and describe the type of non-financial services related business in which you will be engaged.\n\n## Will the entity occupy or share space with any person\\(s\\) engaged in financial services-related activity? \n\nIf the applicant or licensee answers **Yes** to this question, identify the name of the business with which space will be shared and the specific type of financial services related activity the other company or person is engaged.\n\n-   **Providing Approvals and Designations**  \nIdentify and document all approvals and designations held by the company in the MU1 filing, including any required explanations or related business disclosures.\n\n**Parent topic:**Chapter II—NMLS Company Form \\(MU1\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch2_MU1_approveDesignate.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch2_MU1_approveDesignate.md",
      "headings": [
        "Approvals and Designations {#nmlsPG_approvalsAndDesignations .concept}",
        "Will the entity engage in any non-financial services related businesses? {#section_hkh_ng4_5fc .section}",
        "Will the entity occupy or share space with any person\\(s\\) engaged in financial services-related activity? {#section_ikh_ng4_5fc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch2_MU1_approveDesignate.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch2_MU1_attestAndSubmit.md:chunk-0",
      "title": "Attest and Submit {#nmlsPG_attestAndSubmit .concept}",
      "content": "# Attest and Submit \n\nThe **Submit Filing** button will only appear if the Company Form \\(MU1\\) passes all completeness checks, including Individual Form \\(MU2\\) attestations.\n\nThe Attestation must include the name of a natural person after the `I`. The applicant or licensee’s name should appear after the `of`.\n\nCompany attestations must be performed by an actual employee of the company.\n\nWhen clicking the **Submit Filing** button, applicants and licensees are making a legal attestation to all states in which they are applying for or maintaining a license through NMLS.\n\nAfter clicking the **Attest and Submit** button, the applicant or licensee is taken to a one-time payment page to make an electronic payment for the filing. Once the payment information has been successfully submitted the filing becomes viewable by the regulator\\(s\\). Payments can only be made by Visa or Mastercard or by ACH transfer.\n\n-   **Attesting and Submitting a New MU1 Application**  \nComplete the final step of the MU1 new application process by legally attesting to the filing information and submitting it to state regulators through NMLS.\n\n**Parent topic:**Chapter II—NMLS Company Form \\(MU1\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch2_MU1_attestAndSubmit.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch2_MU1_attestAndSubmit.md",
      "headings": [
        "Attest and Submit {#nmlsPG_attestAndSubmit .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch2_MU1_attestAndSubmit.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch2_MU1_bankAccounts.md:chunk-0",
      "title": "Bank Accounts {#nmlsPG_bankAccounts .concept}",
      "content": "# Bank Accounts \n\nApplicants and licensees should consult state licensing requirements to see if bank accountinformation is required to be provided. If not required, leave this section blank.\n\nGenerally, applicants and licensees should leave this section blank unless directed to complete it by one or more regulators.\n\n**Parent topic:**Chapter II—NMLS Company Form \\(MU1\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch2_MU1_bankAccounts.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch2_MU1_bankAccounts.md",
      "headings": [
        "Bank Accounts {#nmlsPG_bankAccounts .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch2_MU1_bankAccounts.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch2_MU1_booksAndRecordsInfo.md:chunk-0",
      "title": "Books and Records Information {#nmlsPG_booksAndRecordsInformation .concept}",
      "content": "# Books and Records Information \n\nApplicants and licensees must list the company name and address of the location where books and records are stored. They must also list the name of the individual at this location that should be contacted with inquiries about or to gain access to the books and records.\n\nA company can repeat the Main Address here.\n\nMultiple contacts for record retention are allowed in the System, and you must specify contactby industry type\\(s\\) and state\\(s\\). You can use the comments field to specify the types of records being retained by your company at that location. Consult state licensing requirements to see if any states have further requirements for this section.\n\n-   **Providing Books and Records Information**  \nList the location\\(s\\) where the company’s books and records are stored, along with contact details and related information, in the MU1 filing.\n\n**Parent topic:**Chapter II—NMLS Company Form \\(MU1\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch2_MU1_booksAndRecordsInfo.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch2_MU1_booksAndRecordsInfo.md",
      "headings": [
        "Books and Records Information {#nmlsPG_booksAndRecordsInformation .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch2_MU1_booksAndRecordsInfo.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch2_MU1_businessActivities.md:chunk-0",
      "title": "Business Activities {#nmlsPG_businessActivities .concept}",
      "content": "# Business Activities \n\nApplicants are required to identify all business activities conducted by their company from an NMLS approved list.\n\nApplicants and licensees must indicate all business activities the company engages in, regardless of whether those activities are undertaken in a state in which they are applying for a license and whether or not the applicant plans to manage a license associated with the activity through the System. The selected business activities enable the System to generate a list of licenses to apply for.\n\nReview the current Business Activities Definitions for an up to date description of each activity.\n\n-   **Selecting Relevant Business Activities**  \nChoose the business activities that accurately reflect the services your company provides to ensure proper license application and regulatory oversight.\n\n**Parent topic:**Chapter II—NMLS Company Form \\(MU1\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch2_MU1_businessActivities.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch2_MU1_businessActivities.md",
      "headings": [
        "Business Activities {#nmlsPG_businessActivities .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch2_MU1_businessActivities.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch2_MU1_contactEmployees.md:chunk-0",
      "title": "Contact Employees {#nmlsPG_contactEmployees .concept}",
      "content": "# Contact Employees \n\nApplicants and licensees are required to submit a primary company contact and a primary consumer complaint contact. If allowed by a state, this can be the same person.\n\nApplicants and licensees also can submit additional, non-primary, contacts. For non-primary contacts, you must also list the applicable industry type\\(s\\), area\\(s\\) of responsibility, and state\\(s\\).\n\nThe individual\\(s\\) listed as the primary company contact must be authorized to receive ALL compliance and licensing information, communications, and mailings regarding the entity, officers, directors, and individuals. They must also be responsible for disseminating it within the applicant or licensee’s organization. The Company Contact is for regulator use.\n\nThe Contact Employee may be the “Resident/Registered Agent” for service of process.\n\n-   **Identifying Contact Employees**  \nLearn how to add or edit company contact employees in the Contact Employees section of the Company \\(MU1\\) Form in NMLS.\n\n**Parent topic:**Chapter II—NMLS Company Form \\(MU1\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch2_MU1_contactEmployees.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch2_MU1_contactEmployees.md",
      "headings": [
        "Contact Employees {#nmlsPG_contactEmployees .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch2_MU1_contactEmployees.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch2_MU1_directOwnersAndExecOfficers.md:chunk-0",
      "title": "Direct Owners, Executive Officers, and Corporate Governance {#nmlsPG_directOwnersAndExecutiveOfficers .concept}",
      "content": "# Direct Owners, Executive Officers, and Corporate Governance \n\nThe applicant or licensee must identify all Direct Owners with 10% or more ownership and Executive Officers.\n\n## Entity ID, Full Legal Name, Title, and Percentage of Ownership \n\nIf the direct owner or executive officer is a natural person \\(individual\\), the applicant or licensee should list their full legal name as First, Middle, Last, Suffix, provide their title and the percentage of ownership. All natural persons listed in the Direct Owners and Executive Officers section of the Company Form \\(MU1\\) are required to complete and submit an Individual Form \\(MU2\\).\n\n**Note:** Applicants and licensees should review the definition of *Control* when completing this section and include any individual or company that has *Control* over the entity.\n\n## CONTROL is determined in several ways: \n\n1.  Equity Owners – an entity or individual that, directly or indirectly has the right to vote 10% or more of a class of a voting security or has the power to sell or direct the sale of 10% or more of a class of voting securities. In the case of a partnership, an entity or individual that has the right to receive upon dissolution, or has contributed, 10% or more of the capital, is presumed to control that company.\n2.  Corporate Governance – as set out in the most recent Articles of Incorporation, Articles of Organization, or Partnership Agreement.\n    1.  Board of Directors, Board of Managers, Member Manager, General Partner, or similar governing body, whether they are compensated or not.\n    2.  President, Executive Vice President, Senior Vice President, Treasurer, Secretary, or similarly elected or appointed senior corporate officers\n3.  Functional Responsibility – Individuals, regardless of title, who have the power, directly or indirectly, to direct the management or policies of a company by contract, or otherwise. Job description holds individuals responsible for the operational, financial, information technology, co",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch2_MU1_directOwnersAndExecOfficers.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch2_MU1_directOwnersAndExecOfficers.md",
      "headings": [
        "Direct Owners, Executive Officers, and Corporate Governance {#nmlsPG_directOwnersAndExecutiveOfficers .concept}",
        "Entity ID, Full Legal Name, Title, and Percentage of Ownership {#section_mgj_jtd_vfc .section}",
        "CONTROL is determined in several ways: {#section_hpj_cvd_vfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch2_MU1_directOwnersAndExecOfficers.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch2_MU1_directOwnersAndExecOfficers.md:chunk-1",
      "title": "Direct Owners, Executive Officers, and Corporate Governance {#nmlsPG_directOwnersAndExecutiveOfficers .concept}",
      "content": "tly or indirectly, to direct the management or policies of a company by contract, or otherwise. Job description holds individuals responsible for the operational, financial, information technology, compliance, and/or security functions of the company, including Chief Executive Officer, Chief Financial Officer, Chief Operations Officer, Chief Legal Officer, Chief Credit Officer, Chief Compliance Officer, and individuals occupying similar positions or performing similar functions. Other required individuals may include qualified persons, location supervisors, and branch managers.\n\n\n\nApplicant Type\n\n\n\nEquity Owners\n\n\n\nCorporate Governance\n\n\n\nFunctional Responsibility\n\n\n\n“C” Corporation\n\n\n\nShareholders≥10%\n\n\n\nAll members of Board of Directors\n\n\n\nElected or Appointed Officers\n\n\n\nChief Officers & other required individuals\n\n\n\n“S” Corporation\n\n\n\nShareholders≥10%\n\n\n\nAll members of Board of Directors\n\n\n\nElected or Appointed Officers\n\n\n\nChief Officers & other required individuals\n\n\n\nLimited Liability Company\n\n\n\nAll Members≥10%\n\n\n\nMember Managed \\(Managing Member\\)All Managers \\(Board of Managers\\)\n\n\n\nElected or Appointed Officers\n\n\n\nChief Officers & other required individuals\n\n\n\nPartnership\n\n\n\nAll Partners≥10%\n\n\n\nGeneral Partner\n\n\n\nElected or Appointed Officers\n\n\n\nChief Officers & other required individuals\n\n\n## The following points will help companies decide who to include: \n\nDirect Owners\n:   Direct owners include any person that owns, beneficially owns, has the right to vote, or has thepower to sell or direct the sale of 10% or more of a class of voting security of the applicant or licensee. For purpose of this section, a person beneficially owns any securities \\(i\\) owned by his/her child, stepchild, grandchild, parent, stepparent, grandparent, spouse, sibling, mother-in-law, father-in-law, son-in-law, daughter-in- law, brother-in-law or sister-in-law, sharing the same residence; in cases where the company is a partnership, all general partners and those limited and speci",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch2_MU1_directOwnersAndExecOfficers.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch2_MU1_directOwnersAndExecOfficers.md",
      "headings": [
        "Direct Owners, Executive Officers, and Corporate Governance {#nmlsPG_directOwnersAndExecutiveOfficers .concept}",
        "Entity ID, Full Legal Name, Title, and Percentage of Ownership {#section_mgj_jtd_vfc .section}",
        "CONTROL is determined in several ways: {#section_hpj_cvd_vfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch2_MU1_directOwnersAndExecOfficers.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch2_MU1_directOwnersAndExecOfficers.md:chunk-2",
      "title": "Direct Owners, Executive Officers, and Corporate Governance {#nmlsPG_directOwnersAndExecutiveOfficers .concept}",
      "content": " father-in-law, son-in-law, daughter-in- law, brother-in-law or sister-in-law, sharing the same residence; in cases where the company is a partnership, all general partners and those limited and special partners that have the right to receive upon dissolution, or have contributed, 10% or more of the partnership’s capital.\n\n    In the case of a trust that directly owns 10% or more of the class of voting security of the applicant, or that has the right to receive upon dissolution, or have contributed, 10% or more of the applicant or licensee’s capital, the trust and each trustee.\n\n    In the case where the company is a Limited Liability Company \\(“LLC”\\), \\(i\\) if member managed, the managing member, \\(ii\\) if managed by elected or appointed managers, all elected or appointed managers; and \\(iii\\) those members that have the right to receive upon dissolution, or have contributed, 10% or more of the LLC’s capital. In the case where the company is a partnership, \\(i\\) all general partners, and \\(ii\\) those limited and specialpartners that have the right to receive upon dissolution, or have contributed, 10% or more of the partnership’s capital.\n\n    In certain states, other required persons, including “qualified persons” or branch supervisors.Consult the state licensing requirements in which the applicant or licensee is applying for details.\n\n    Ownership must be disclosed as it is found on the organizing documents of an entity. Ownership disclosure in NMLS is not dependent on community property statutes and thereforeshould be represented in NMLS as found on legal organizing documents for the entity.\n\nControl Person\n:   A control person is an individual \\(natural person\\) that directly or indirectly exercises control over the applicant or licensee. This definition includes any individual that is a “director,general partner, or executive officer.” The term director includes all members of a company’s board of directors, including board members that are not employees of t",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch2_MU1_directOwnersAndExecOfficers.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch2_MU1_directOwnersAndExecOfficers.md",
      "headings": [
        "Direct Owners, Executive Officers, and Corporate Governance {#nmlsPG_directOwnersAndExecutiveOfficers .concept}",
        "Entity ID, Full Legal Name, Title, and Percentage of Ownership {#section_mgj_jtd_vfc .section}",
        "CONTROL is determined in several ways: {#section_hpj_cvd_vfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch2_MU1_directOwnersAndExecOfficers.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch2_MU1_directOwnersAndExecOfficers.md:chunk-3",
      "title": "Direct Owners, Executive Officers, and Corporate Governance {#nmlsPG_directOwnersAndExecutiveOfficers .concept}",
      "content": "any individual that is a “director,general partner, or executive officer.” The term director includes all members of a company’s board of directors, including board members that are not employees of the company.\n\nStock Symbol\n:   Provide the stock symbol \\(if the company is publicly traded\\).\n\nSSN or EIN\n:   Provide the person’s social security number or the company’s tax identification number or employer identification number, as issued by the IRS.\n\nIndividual or Company\n:   All direct owners of 10% or more should be identified, regardless of the applicant or licensee’sbusiness structure. All individuals listed in this section are required to complete and submit an Individual Form \\(MU2\\).\n\n**Note:** If an applicant or licensee is publicly traded or there are *Control* persons holding less than 10% ownership, then the total percent ownership derived from the individual line items may not equal 100%.\n\n-   **Identifying Direct Owners and Executive Officers**  \nIdentify all individuals and entities that meet NMLS definitions for direct owners and executive officers, and complete the required fields in the MU1 filing.\n\n**Parent topic:**Chapter II—NMLS Company Form \\(MU1\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch2_MU1_directOwnersAndExecOfficers.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch2_MU1_directOwnersAndExecOfficers.md",
      "headings": [
        "Direct Owners, Executive Officers, and Corporate Governance {#nmlsPG_directOwnersAndExecutiveOfficers .concept}",
        "Entity ID, Full Legal Name, Title, and Percentage of Ownership {#section_mgj_jtd_vfc .section}",
        "CONTROL is determined in several ways: {#section_hpj_cvd_vfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch2_MU1_directOwnersAndExecOfficers.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch2_MU1_disclosureExplanations.md:chunk-0",
      "title": "Disclosure Explanations {#nmlsPG_disclosureExplanations .concept}",
      "content": "# Disclosure Explanations \n\nAn explanation must be provided for each disclosure question that has a **Yes** response. A separate explanation should be provided for each event resulting in a**Yes** response to a disclosure question.\n\nA single explanation can be associated to multiple **Yes** responses and each explanation allows a single PDF to be uploaded in support of the explanation. Also, multiple explanations may be provided if multiple events are related to a single question.\n\nYou may provide an explanation for a **No** response only if you answer **No** to a disclosure question and have information to provide to the regulator to clarify the response.\n\nCompanies are required to update their Disclosure Explanations when needed, including adding a new explanation for a new event which may or may not require a change in a **Yes** or **No** response.\n\nRequired disclosure question changes must be made within thirty days or within the time specified under state law, whichever is shorter\n\nConsult Providing Disclosure Explanations for additional information.\n\n**Note:** Some states may require companies to provide an explanation and/or supporting documentation for previous **Yes** responses.\n\n-   **Providing Disclosure Explanations**  \nProvide explanations for all disclosure questions answered “Yes,” optionally clarify selected “No” responses, and manage supporting documentation in the MU1 filing.\n\n**Parent topic:**Chapter II—NMLS Company Form \\(MU1\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch2_MU1_disclosureExplanations.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch2_MU1_disclosureExplanations.md",
      "headings": [
        "Disclosure Explanations {#nmlsPG_disclosureExplanations .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch2_MU1_disclosureExplanations.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch2_MU1_disclosureQuestions.md:chunk-0",
      "title": "Disclosure Questions {#nmlsPG_disclosureQuestions .concept}",
      "content": "# Disclosure Questions \n\nAll Disclosure Questions must be answered.\n\nThe definitions for these disclosure questions are contained in the Explanation of Terms section of this Guidebook.\n\nAny **Yes** response requires an explanation to be provided in the Disclosure Explanations section. A single PDF file can be uploaded with any applicable documentation. The regulator will be able to review the explanation and documentation.\n\nWhile a licensee may have disclosed a **Yes** answer in a previous application, when transitioning their license onto NMLS they will have to answer **Yes** again, if still relevant.\n\nWhen responding to questions regarding Control Affiliates, all current and former Control Affiliates for the last ten years must be disclosed.\n\nFinancial services related convictions entered by a municipal court \\(if the violation stems from a city ordinance and not necessarily from criminal code, for example\\) rather than a criminal court should generally be disclosed under the Civil Disclosure section of the disclosure questions.\n\nDisclosure of a sealed or expunged conviction or item is not required if relevant state law or a court order does not require or prohibits disclosure.\n\nDisclosure of a felony or misdemeanor case disposed of in juvenile court is not required if relevant state law or a court order does not require or prohibits disclosure.\n\nCompanies who in the normal course of business face multiple civil actions must respond affirmatively to the questions in **F** and **G**. An explanation stating this fact is required and further details related to specific cases may be required, including supporting documentation for each civil action. Please consult state licensing requirements to verify what information is required to be submitted through NMLS.\n\nCompanies are required to update their Disclosure Questions when circumstances change in accordance with state law or within 30 days, whichever is shorter. This includes answers that are changed from **Yes** to",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch2_MU1_disclosureQuestions.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch2_MU1_disclosureQuestions.md",
      "headings": [
        "Disclosure Questions {#nmlsPG_disclosureQuestions .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch2_MU1_disclosureQuestions.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch2_MU1_disclosureQuestions.md:chunk-1",
      "title": "Disclosure Questions {#nmlsPG_disclosureQuestions .concept}",
      "content": "are required to update their Disclosure Questions when circumstances change in accordance with state law or within 30 days, whichever is shorter. This includes answers that are changed from **Yes** to **No**. A change in response requires an update to the Disclosure Explanations section.\n\n-   **Answering Disclosure Questions**  \nLearn how to accurately respond to the Disclosure Questions on the MU1 form to report any legal, financial, or regulatory issues affecting your company or its principals.\n\n**Parent topic:**Chapter II—NMLS Company Form \\(MU1\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch2_MU1_disclosureQuestions.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch2_MU1_disclosureQuestions.md",
      "headings": [
        "Disclosure Questions {#nmlsPG_disclosureQuestions .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch2_MU1_disclosureQuestions.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch2_MU1_documentUploads.md:chunk-0",
      "title": "Document Uploads {#nmlsPG_documentUploads .concept}",
      "content": "# Document Uploads \n\nThe Document Uploads section allows individuals to upload and submit PDF documents to regulators.\n\nSee Document Upload Descriptions and Examples details the types of documents that can be uploaded in connection with an individual record. Only documents that are available for selection can be provided through NMLS; all other documentation required by a state regulator must be submitted outside NMLS. For more information, refer to state licensing requirements checklists.\n\nOnly the applicable document for the Document Type selected can be uploaded in NMLS \\(e.g., when selecting to upload a business plan, only a business plan document related to the company should be provided\\).\n\nIf you have multiple documents for one Document Type for a specific state, they should be combined into one PDF and uploaded as a single document.\n\nIf you have different versions of the same Document Type that are specific to different states \\(e.g., Certificate of Good Standing for each state in which you operate\\), upload each state-specific version separately, indicating to which state the document is relevant.\n\n## Advance Change Notice Document Type \n\nDocumentation submitted in support of an Advance Change Notice is considered proposed. Upon the effective date of the change, documents must be re-submitted under the appropriate Document Type \\(do not re-submit as Advance Change Notice\\). If the submission does not fall under an existing Document Type, documents must be submitted directly to the state agency; see the state's Amendment Checklist for the appropriate license for details.\n\n## Deletion of Uploaded Documentation \n\nNMLS stores all documents that have been uploaded as part of a record. Documents can be deleted or replaced. However, the system maintains previously uploaded documents in a document type historical section on the Composite View page.\n\nThe document types that can be uploaded in connection with an individual filing are determined by each state agency. ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch2_MU1_documentUploads.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch2_MU1_documentUploads.md",
      "headings": [
        "Document Uploads {#nmlsPG_documentUploads .concept}",
        "Advance Change Notice Document Type {#section_yd4_j4n_5dc .section}",
        "Deletion of Uploaded Documentation {#section_ory_dsd_5dc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch2_MU1_documentUploads.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch2_MU1_documentUploads.md:chunk-1",
      "title": "Document Uploads {#nmlsPG_documentUploads .concept}",
      "content": "oaded documents in a document type historical section on the Composite View page.\n\nThe document types that can be uploaded in connection with an individual filing are determined by each state agency. Not all licenses may require or permit all the documents listed below to be uploaded.\n\nCompany Filing\n\n-   ACN Related Documents\n-   Additional Requirement\\(s\\) \\(State Required\\)\n-   AML/BSA Policy\n-   Business Plan\n-   Certificate of Authority/Good Standing Certificate \\(State required\\)\n-   Company Staffing and Internal Policies\n-   Debt Management Agreement\n-   Document Samples \\(State required\\)\n-   Error sand Omissions \\(State required\\)\n-   Fidelity Bond \\(State required\\)\n-   Flow of Funds Structure\n-   Formation Document\n-   Management Chart\n-   Mortgage Servicing Agreement\n-   Organization Chart/Description\n-   Permissible Investments \\(State required\\)\n-   Surety Bond \\(State required\\)\n-   Trade Name/Assumed Name registration Certificates \\(State required\\)\n-   Trust Account Authorization \\(State required\\)\n-   Warehouse Line of Credit Documentation\n-   Surety Bond \\(State required\\)\n\n-   **Managing Document Uploads**  \nLearn how to upload, organize, and manage the required supporting documents within NMLS to complete your license application successfully.\n\n**Parent topic:**Chapter II—NMLS Company Form \\(MU1\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch2_MU1_documentUploads.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch2_MU1_documentUploads.md",
      "headings": [
        "Document Uploads {#nmlsPG_documentUploads .concept}",
        "Advance Change Notice Document Type {#section_yd4_j4n_5dc .section}",
        "Deletion of Uploaded Documentation {#section_ory_dsd_5dc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch2_MU1_documentUploads.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch2_MU1_finInstitutions.md:chunk-0",
      "title": "Financial Institutions {#nmlsPG_financialInstitutions .concept}",
      "content": "# Financial Institutions \n\nIf the applicant or licensee is controlled by a Credit Union, Bank Holding Company, State Member Bank of the Federal Reserve System, State Non-Member Bank, National Bank, Foreign Bank, Savings Association/Savings Bank, or Thrift Holding Company the institution must be identified in this section.\n\nA company search option is not available for this section.\n\n**Important:** Financial Institution information required here **DOES NOT** include the institution the company uses in financing its operations. This is not an area for corporate banking information. Information related to corporate bank information may be entered in the Bank Accounts section if required by your regulator\\(s\\).\n\n-   **Identifying Financial Institutions**  \nLearn how to complete the Financial Institutions section of the MU1 form by listing banks, credit unions, and other financial entities affiliated with your company.\n\n**Parent topic:**Chapter II—NMLS Company Form \\(MU1\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch2_MU1_finInstitutions.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch2_MU1_finInstitutions.md",
      "headings": [
        "Financial Institutions {#nmlsPG_financialInstitutions .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch2_MU1_finInstitutions.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch2_MU1_genInst.md:chunk-0",
      "title": "General Instructions {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7fdb .concept}",
      "content": "# General Instructions \n\nA company or sole proprietorship creates its record in the System by completing the NMLS Company Form \\(MU1\\).\n\nThe form is used to apply for a license/registrationin one or more states, to transition a license, to amend information in the record or to surrender a license \\(“a filing”\\). If the company is applying for a new license, the Individual Form \\(MU2\\) must also be completed by individuals identified as Direct Owners & Executive Officers, Indirect Owners with control and Qualifying Individuals on the Company Form \\(MU1\\).\n\n**Note:** Some information may have to be submitted to state regulators outside of the System.\n\n**Tip:** To ensure all state licensing requirements are met, applicants should review the state licensing checklists available on the NMLS Resource Center: State Licensing Checklist Compiler; Annual Renewal Checklist.\n\n**Tip:** In NMLS, there is no distinction between the filing date and the effective date.The filing date is the date the submission is made in the System to one or more regulators.The change is made to the licensee’s record in the NMLS instantly. Thus, the effective date and the filing date are the same.\n\n**Tip:** Company Information Shown In Consumer Access\n\n-   NMLS Unique ID\n-   License\\# by State\n-   License name by State and Industry Type\n-   License status by State and Industry Type\n-   Entity Name\n-   Entity Main Address \\(City, State, Zip\\)\n-   Business Phone, Toll Free Phone Number, Fax, Email Address\n-   Mailing Address if different from Main Address \\(City, State, Zip\\)\n-   Other and Prior Trade Names\n-   Resident/Registered Agent\n-   Web Address\n-   Legal Status \\(Fiscal Year End, Formation State, Formation Country, Date of Formation, Stock Symbol \\[if applicable\\], status\\)\n-   Public State Regulatory Actions\n\n**Parent topic:**Chapter II—NMLS Company Form \\(MU1\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch2_MU1_genInst.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch2_MU1_genInst.md",
      "headings": [
        "General Instructions {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7fdb .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch2_MU1_genInst.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch2_MU1_historicalFilings.md:chunk-0",
      "title": "Historical Filings {#nmlsPG_historicalFilings .task}",
      "content": "# Historical Filings \n\nThe Historical Filings section under the Filing tab contains copies of previously submitted Company filings.\n\nCompany users with appropriate roles can also view a complete list of company filings in the Historical Filings section under the Composite View tab.\n\n1.  To view the changes between two filings, select the checkbox next to two filings and click the **Compare** button.\n\n    A new browser window or tab will open with the changes redlined.\n\n2.  Click the words **Click to View** under the Sections Changed column.\n\n    The Company Form sections that were modified are displayed.\n\n**Parent topic:**Chapter II—NMLS Company Form \\(MU1\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch2_MU1_historicalFilings.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch2_MU1_historicalFilings.md",
      "headings": [
        "Historical Filings {#nmlsPG_historicalFilings .task}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch2_MU1_historicalFilings.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch2_MU1_identifyingInfo.md:chunk-0",
      "title": "Identifying Information {#nmlsPG_identifyingInformation .concept}",
      "content": "# Identifying Information \n\nGuidance for each required piece of company identifying information is below:\n\n## 1. Entity name and EIN \n\nThe entity name should be the full legal name as found in the formation documents and as shown on the documentation provided by the domestic state. On a new application, the company may be required to submit formation documents in the Document Uploads section. Consult the state’s licensing requirements checklist to see if any states in which you are applying require these documents.\n\n**Attention:**\n\nIt is important that each Company is set up by their legal name and not by any trade name or “doing business as” name.\n\nIf the applicant or licensee is a sole proprietor, then they should use their Last, First, Middle names, and suffix \\(“Jr”, “III”, etc.\\) if any. Do not enter a professional or academic suffix.\n\n**Note:** As noted above in E. Amendments to a Company’s Structure That Will Require the Creation of a New NMLS Record, if the *Full Name of Applicant* changes for an existing licensee, but the*Employer Identification Number*, the *State / Province & Country of formation*, and the *Date of Formation* does not change, NMLS will not require a new record to be created in the System. The EINis the Taxpayer Identification Number issued by the IRS. If the applicant is a sole proprietor without employees, this number may be the sole proprietor’s Social Security Number \\(SSN\\) or an IRS issued EIN. These numbers are also known as “FEIN” or “TIN.”\n\nThis number may or may not change upon amendment to reorganize the company. For example, a sole proprietor without employees may use the proprietor’s SSN, but if the proprietor establishes an LLC or Corp, the company will need an EIN even if no employees are added at the time of re-organization.\n\n**Important:** Many states require currently approved companies to provide the regulator with advance notice before making changes to their legal name and/or main address. An advance change notificatio",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch2_MU1_identifyingInfo.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch2_MU1_identifyingInfo.md",
      "headings": [
        "Identifying Information {#nmlsPG_identifyingInformation .concept}",
        "1. Entity name and EIN {#section_rcv_cfy_sfc .section}",
        "2. Do you want to amend your legal name? {#section_hz3_nny_sfc .section}",
        "3. Main address \\(do not use a PO box\\) {#section_zql_vny_sfc .section}",
        "4. Business phone, fax, and email address {#section_h4m_hpy_sfc .section}",
        "5. Mailing address {#section_zk1_lpy_sfc .section}",
        "6. Any other business locations? {#section_al1_lpy_sfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch2_MU1_identifyingInfo.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch2_MU1_identifyingInfo.md:chunk-1",
      "title": "Identifying Information {#nmlsPG_identifyingInformation .concept}",
      "content": "*Important:** Many states require currently approved companies to provide the regulator with advance notice before making changes to their legal name and/or main address. An advance change notification allows the regulator to review the change prior to its effective date and indicate to the licensee if the proposed change is acceptable.\n\n## 2. Do you want to amend your legal name? \n\nThis field gives licensees the ability to change their name in NMLS. In most states, name changesrequire additional documentation and approval by the state regulator\\(s\\). See the state licensing requirements amendment checklists or consult your state regulator prior to changing your name in NMLS.\n\nAdditionally, some states charge a fee for a name change. The Total Charges section of your filing \\(upper right corner\\) will indicate when this occurs as part of a filing.\n\n## 3. Main address \\(do not use a PO box\\) \n\nA physical address is required. Since NMLS contains a single record on a company, the main address listed shall be the principal executive office that is a single place, domestic or foreign, where a company’s key individuals \\(such as control persons\\) direct, control, and coordinate the company’s activities.\n\n**Tip:** In practice the main address should normally be the place where the company maintains its headquarters—provided that the headquarters is the actual center of direction, control,and coordination, i.e., the “nerve center,” and not simply an office where the company holds its board meetings or the like.\n\nNMLS presumes that the license authority conferred with a Company Form \\(MU1\\) is a general license authority for a company. The main address is automatically considered by the system as a licensed or registered location.\n\n**Tip:** Notwithstanding the system requirement, depending upon the activity being conducted at the main address, a state may not require the main address to be licensed or registered. If no licensable activity is being conducted at the main addre",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch2_MU1_identifyingInfo.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch2_MU1_identifyingInfo.md",
      "headings": [
        "Identifying Information {#nmlsPG_identifyingInformation .concept}",
        "1. Entity name and EIN {#section_rcv_cfy_sfc .section}",
        "2. Do you want to amend your legal name? {#section_hz3_nny_sfc .section}",
        "3. Main address \\(do not use a PO box\\) {#section_zql_vny_sfc .section}",
        "4. Business phone, fax, and email address {#section_h4m_hpy_sfc .section}",
        "5. Mailing address {#section_zk1_lpy_sfc .section}",
        "6. Any other business locations? {#section_al1_lpy_sfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch2_MU1_identifyingInfo.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch2_MU1_identifyingInfo.md:chunk-2",
      "title": "Identifying Information {#nmlsPG_identifyingInformation .concept}",
      "content": ", depending upon the activity being conducted at the main address, a state may not require the main address to be licensed or registered. If no licensable activity is being conducted at the main address location as defined above \\(i.e., a majority of states would not require that location to be licensed or registered\\), then the operations hub for the licensee may be listed as the main address.\n\n## 4. Business phone, fax, and email address \n\nProvide a business phone, toll-free phone number, fax, and email address for a contact person in your organization.\n\n## 5. Mailing address \n\nLicensees who use a drop box or PO Box for their mailing can indicate a Mailing Address. A copy button is available to copy the main address if the mailing address is the same.\n\n## 6. Any other business locations? \n\nIf you answer **Yes** to this question, consult the state licensing requirements to determine if you need to file a Branch Form \\(MU3\\) for each of these locations.\n\n-   **License / Registration Information**  \nThe License/Registration Information screen will display a list of all license / registration requests pending submission as well as any previously submitted license / registration requests.\n\n**Parent topic:**Chapter II—NMLS Company Form \\(MU1\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch2_MU1_identifyingInfo.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch2_MU1_identifyingInfo.md",
      "headings": [
        "Identifying Information {#nmlsPG_identifyingInformation .concept}",
        "1. Entity name and EIN {#section_rcv_cfy_sfc .section}",
        "2. Do you want to amend your legal name? {#section_hz3_nny_sfc .section}",
        "3. Main address \\(do not use a PO box\\) {#section_zql_vny_sfc .section}",
        "4. Business phone, fax, and email address {#section_h4m_hpy_sfc .section}",
        "5. Mailing address {#section_zk1_lpy_sfc .section}",
        "6. Any other business locations? {#section_al1_lpy_sfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch2_MU1_identifyingInfo.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch2_MU1_indirectOwners.md:chunk-0",
      "title": "Indirect Owners {#nmlsPG_indirectOwners .concept}",
      "content": "# Indirect Owners \n\nApplicants and licensees must identify all indirect owners with 25% or more ownership in this section. For each owner indicate percentage of ownership.\n\nIf the indirect owner is a natural person \\(individual\\),the applicant or licensee should list their full legal name as First, Middle, Last, Suffix.\n\nIn the case of an indirect owner that is a corporation, each of its shareholders that beneficially owns, has the right to vote, or has the power to sell or direct the sale of, 25% or more of a class of voting security of that corporation shall be identified. For purposes of this section, a person beneficially owns any securities \\(i\\) owned by his/her child, stepchild, grandchild, parent, stepparent, grandparent, spouse, sibling, mother-in-law, father-in- law, son-in-law, daughter-in-law, brother-in-law, or sister-in-law, sharing the same residence.\n\nIn the case of an indirect owner that is a partnership, all general partners and those limited and special partners that have the right to receive upon dissolution, or have contributed, 25% or more of the partnership’s capital shall be identified.\n\nIn the case of an indirect owner that is a trust that owns 25% or more of the class of voting security of its direct owners, the trust and each trustee for the trust shall be identified.\n\nIn the case of an indirect owner that is a Limited Liability Company \\(“LLC”\\), \\(i\\) those members that have the right to receive upon dissolution, or have contributed, 25% or more of the LLC’s capital, and \\(ii\\) if managed by elected or appointed managers, all elected or appointed managers shall be identified.\n\nContinue up the chain of ownership listing all 25% or more indirect owners at each level of ownership. Only once a public reporting company, a credit union, a bank or a bank holding company regulated by a Federal Banking or Credit Union Regulator, a trust \\(with its trustee\\(s\\)\\) or a natural person is reached, no ownership information further up the chain of owne",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch2_MU1_indirectOwners.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch2_MU1_indirectOwners.md",
      "headings": [
        "Indirect Owners {#nmlsPG_indirectOwners .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch2_MU1_indirectOwners.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch2_MU1_indirectOwners.md:chunk-1",
      "title": "Indirect Owners {#nmlsPG_indirectOwners .concept}",
      "content": "a bank holding company regulated by a Federal Banking or Credit Union Regulator, a trust \\(with its trustee\\(s\\)\\) or a natural person is reached, no ownership information further up the chain of ownership need be given.\n\nFull Legal Name\n:   Provide the full legal name of the Indirect Owner. If the person listed is a company \\(organization\\), the applicant or licensee should list the full legal name in its domestic state.\n\nOwnership Type\n:   Status examples include partner, trustee, indirect owner, shareholder, etc.\n\nEquity Owner in Which Interest is Held\n:   Provide the name of the Direct or Indirect Owner in which percent ownership interest is held.\n\nPercentage of Ownership\n:   Identify the percentage of ownership that the Indirect Owner holds in the company that owns the applicant or licensee. The total percentage of ownership can be less than 100% because those with less than a 25% ownership at each level need not be identified. The total percentage of ownership cannot be more than 100%.\n\nSSN or EIN\n:   Provide the person’s social security number or the company’s tax identification number or employer identification number, as issued by the IRS.\n\nControl Person\n:   Licensees must identify natural person indirect owners of 10% or more of the licensee as a Control Person using the available radio button. These individuals must complete and submit an Individual Form \\(MU2\\). See Chapter III—NMLS Individual Form \\(MU2\\) herein.\n\n    **Note:** Sections completed throughout the Company Form \\(MU1\\) assist in the completion of the Individual Form \\(MU2\\). The Individual Form \\(MU2\\) filing\\(s\\) is created based on the designated Control Persons and Qualifying Individuals. The individuals must attest to the Individual Form \\(MU2\\) prior to submitting the Company Form \\(MU1\\).\n\nIndividualor Company?\n:   An applicant or licensee’s owners may include company organizations so they should continueup the ownership chain \\(or “ladder”\\), reporting those with 25% or more ownersh",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch2_MU1_indirectOwners.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch2_MU1_indirectOwners.md",
      "headings": [
        "Indirect Owners {#nmlsPG_indirectOwners .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch2_MU1_indirectOwners.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch2_MU1_indirectOwners.md:chunk-2",
      "title": "Indirect Owners {#nmlsPG_indirectOwners .concept}",
      "content": ".\n\nIndividualor Company?\n:   An applicant or licensee’s owners may include company organizations so they should continueup the ownership chain \\(or “ladder”\\), reporting those with 25% or more ownership interest at each level, until the reporting reaches a publicly traded entity, or the last natural person.\n\n    If the person listed is a natural person \\(individual\\), the applicant should list his/her full legal name as Last, First, Middle, use the **Direct Owner In Which Interest is Owned** field to enter the company name for which this individual is reporting, and provide his or her title and the percentage owned for the applicant.\n\n    All indirect owners of 25% or more should be identified, regardless of the applicant’s business structure.\n\n    **Note:** If the legal status on the Company Form \\(MU1\\) is a Sole Proprietor, this entire section will be blank.\n\n-   **Identify Indirect Owners**  \nUse the Indirect Owners section of the Company \\(MU1\\) Form to disclose any individuals or entities that indirectly own or control 25% or more of the applicant.\n\n**Parent topic:**Chapter II—NMLS Company Form \\(MU1\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch2_MU1_indirectOwners.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch2_MU1_indirectOwners.md",
      "headings": [
        "Indirect Owners {#nmlsPG_indirectOwners .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch2_MU1_indirectOwners.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch2_MU1_legalStatus.md:chunk-0",
      "title": "Legal Status\\* {#nmlsPG_legalStatus .concept}",
      "content": "# Legal Status\\* \n\nIn addition to entering the information in this section, applicants and licenses may upload supporting documentation \\(e.g. formation documents\\) through the document uploads section of this filing.\n\n## **Fiscal year end** \n\nTheapplicant or licensee should enter the month and day of the end of its corporate fiscal year. Sole proprietorships should enter `12/31` for fiscal year end.\n\n## **Formation State** \n\nThe applicant or licensee should enter the state in which the legal status of the corporate entity was obtained. This information can be found on the company’s incorporating documents. Sole proprietorships must leave this field blank. If an applicant was formed outside the U.S., leave this field blank.\n\n## **Formation Country/Province** \n\nThe applicant or licensee should enter the formation country or province of the corporate entity. This information can be found on the company’s incorporating documents.\n\n## **Date of Formation** \n\nThe applicant or licensee should enter the month, day, and year in which the company was legally formed. This information can be found on the company’s incorporating documents. This must be in the MM/DD/YYYY format. Sole proprietorships must leave this field blank.\n\n## If publicly traded, please insert stock symbol \n\nA stock symbol is a combination of letters.\n\n## **Indicate Legal Status** \n\nIf a state is a community property state, the state’s licensing requirements may outline additionaldetails for spouses of sole proprietors. Some states distinguish between S- and C-corporate organizations.\n\nIn addition to the Company Form \\(MU1\\), a sole proprietor of the sole proprietorship must complete the Individual Form \\(MU2\\). The Company Form \\(MU1\\) is completed in terms of the sole proprietorship as a business entity and the Individual Form \\(MU2\\) is completed in terms of the natural person. If the state requires a sole proprietor to also hold a loan originator’s license, then the sole proprietor must also complete th",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch2_MU1_legalStatus.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch2_MU1_legalStatus.md",
      "headings": [
        "Legal Status\\* {#nmlsPG_legalStatus .concept}",
        "**Fiscal year end** {#section_b4w_ry4_5fc .section}",
        "**Formation State** {#section_c4w_ry4_5fc .section}",
        "**Formation Country/Province** {#section_d4w_ry4_5fc .section}",
        "**Date of Formation** {#section_e4w_ry4_5fc .section}",
        "If publicly traded, please insert stock symbol {#section_p5j_d1p_5fc .section}",
        "**Indicate Legal Status** {#section_f4w_ry4_5fc .section}",
        "Amendments to the Fiscal Year End, Legal Status, and State or Date of Formation {#section_hxr_5y4_5fc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch2_MU1_legalStatus.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch2_MU1_legalStatus.md:chunk-1",
      "title": "Legal Status\\* {#nmlsPG_legalStatus .concept}",
      "content": "he Individual Form \\(MU2\\) is completed in terms of the natural person. If the state requires a sole proprietor to also hold a loan originator’s license, then the sole proprietor must also complete the Individual Licensing Form \\(MU4\\).\n\n**Note:** A sole proprietor will have one NMLS login which will allow access to the business entity account and the individual account.\n\n## Amendments to the Fiscal Year End, Legal Status, and State or Date of Formation \n\nNMLS allows amendments to the Fiscal Year End \\(FYE\\), legal status, and state or date of formation. It does not allow amendments to the company’s EIN without contacting the NMLS Call Center at 1-855-NMLS-123 \\(1-855-665-7123\\). In many cases, a change to the FYE, legal status, and state or date of formation indicates a new entity has been formed and a new NMLS record is required. \\(See Tool Tips to Determine if a New Record is Required.\\)\n\n-   **Indicating Legal Status**  \nEnter your company's legal status, fiscal year-end, and formation details as required for a new Company \\(MU1\\) filing.\n\n**Parent topic:**Chapter II—NMLS Company Form \\(MU1\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch2_MU1_legalStatus.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch2_MU1_legalStatus.md",
      "headings": [
        "Legal Status\\* {#nmlsPG_legalStatus .concept}",
        "**Fiscal year end** {#section_b4w_ry4_5fc .section}",
        "**Formation State** {#section_c4w_ry4_5fc .section}",
        "**Formation Country/Province** {#section_d4w_ry4_5fc .section}",
        "**Date of Formation** {#section_e4w_ry4_5fc .section}",
        "If publicly traded, please insert stock symbol {#section_p5j_d1p_5fc .section}",
        "**Indicate Legal Status** {#section_f4w_ry4_5fc .section}",
        "Amendments to the Fiscal Year End, Legal Status, and State or Date of Formation {#section_hxr_5y4_5fc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch2_MU1_legalStatus.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch2_MU1_licRegInfo.md:chunk-0",
      "title": "License / Registration Information {#nmlsPG_licenseRegistrationInformation .concept}",
      "content": "# License / Registration Information \n\nThe License/Registration Information screen will display a list of all license / registration requests pending submission as well as any previously submitted license / registration requests.\n\nFrom this screen users can request a new license, review existing requests, cancel a previously submitted request, request to withdraw an existing license/registration or request to surrender an existing license/registration.\n\n**Parent topic:**Identifying Information",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch2_MU1_licRegInfo.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch2_MU1_licRegInfo.md",
      "headings": [
        "License / Registration Information {#nmlsPG_licenseRegistrationInformation .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch2_MU1_licRegInfo.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch2_MU1_otherTradeNames.md:chunk-0",
      "title": "Other Trade Names\\* {#nmlsPG_otherTradeNames .concept}",
      "content": "# Other Trade Names\\* \n\nAs noted in the field descriptions below, Other Trade Names must be completed for all other names the company will be using in NMLS participating states and for which industry types.\n\nThese include other business names, fictitious names, forced dba’s “doing business as”, etc. NMLS allows an unlimited number of Other Trade Names.\n\nLicensees should not include “dba” in front of their Other Trade Name. The name provided should be exactly as used in advertising, documents, etc.\n\nLicensees should indicate if the “dba” is forced by a state by checking the box in the forced column. A forced “dba” is one that is required to be used because the state’s Secretary of State or other agency will not allow the company to use its legal name.\n\nThis may be due to several reasons, including the company’s legal name is already used by another company in that state. Please consult state licensing requirements for additional information related to forced “dbas.”\n\nConsult state licensing requirements to determine if there are any restrictions or additional requirements for Other Trade Names.\n\n## Industry Type\\(s\\) \n\nApplicants and licensees must indicate the industry type\\(s\\) to which the Other Trade Name applies.\n\n## State \n\nApplicants and licensees must indicate the state\\(s\\) to which the Other Trade Name applies. A forced name is applicable when a particular state has forced you to use a particular trade name in their jurisdiction.\n\n## Other Trade Names \n\nThese include other business names, fictitious names, forced dba’s “doing business as”, etc. The NMLS allows an unlimited number of Other Trade Names.\n\nLicensees should not include “dba” in front of their Other Trade Name. The name inputted should be exactly how they use it in advertising, documents, etc.\n\nLicensees should indicate if the “dba” is forced by a state by checking the box in the Forced Name? column. A forced “dba” is one that is required to be used because the state’s Secretary of State or other",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch2_MU1_otherTradeNames.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch2_MU1_otherTradeNames.md",
      "headings": [
        "Other Trade Names\\* {#nmlsPG_otherTradeNames .concept}",
        "Industry Type\\(s\\) {#section_qd3_tqy_sfc .section}",
        "State {#section_rd3_tqy_sfc .section}",
        "Other Trade Names {#section_mvq_35b_5dc .section}",
        "Industry Type\\(s\\) {#section_nvq_35b_5dc .section}",
        "State {#section_ovq_35b_5dc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch2_MU1_otherTradeNames.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch2_MU1_otherTradeNames.md:chunk-1",
      "title": "Other Trade Names\\* {#nmlsPG_otherTradeNames .concept}",
      "content": "sees should indicate if the “dba” is forced by a state by checking the box in the Forced Name? column. A forced “dba” is one that is required to be used because the state’s Secretary of State or other agency will not allow the company to use its legal name.\n\nThis may be due to a number of reasons, including the company’s legal name is already used by another company in that state. Please consult the state licensing requirements for additional information related to forced “dbas.”\n\nConsult the state licensing requirements to determine if there are any restrictions or additional requirements for Other Trade Names.\n\n## Industry Type\\(s\\) \n\nApplicants and licensees must indicate the Industry Type\\(s\\) to which the Other Trade Name applies.\n\n## State \n\nApplicants and licensees must indicate the State\\(s\\) to which the Other Trade Name applies. A forced name is applicable when a particular state has forced you to use a particular trade name in their jurisdiction.\n\n**Note:** Check the state licensing requirements to determine if a state requires Other Trade Names to hold a separate license.\n\n-   **Adding Other Trade Names**  \nEnter any additional trade names your company uses to ensure they are properly recorded and displayed in NMLS and on public records.\n\n**Parent topic:**Chapter II—NMLS Company Form \\(MU1\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch2_MU1_otherTradeNames.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch2_MU1_otherTradeNames.md",
      "headings": [
        "Other Trade Names\\* {#nmlsPG_otherTradeNames .concept}",
        "Industry Type\\(s\\) {#section_qd3_tqy_sfc .section}",
        "State {#section_rd3_tqy_sfc .section}",
        "Other Trade Names {#section_mvq_35b_5dc .section}",
        "Industry Type\\(s\\) {#section_nvq_35b_5dc .section}",
        "State {#section_ovq_35b_5dc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch2_MU1_otherTradeNames.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch2_MU1_qualifyingIndividuals.md:chunk-0",
      "title": "Qualifying Individuals {#nmlsPG_qualifyingIndividuals .concept}",
      "content": "# Qualifying Individuals \n\nDifferent states refer to Qualifying Individuals as other names, such as “Qualified Person in Charge \\(QPIC\\)” or “Managing Principal.” Consult the state licensing requirements to determine if and how you should complete this section.\n\nIf a state does not require the identification of a Qualifying Individual, NMLS will allow a Company Form \\(MU1\\) to be submitted without this section being completed. If a Qualifying Individual is identified, then an Individual Form \\(MU2\\) must be filed for that individual.\n\n-   **Identifying Qualifying Individuals**  \nIdentify and maintain the company’s Qualifying Individual \\(QI\\) in the MU1 filing; updates may require advance notice and trigger an MU2 filing for the individual.\n\n**Parent topic:**Chapter II—NMLS Company Form \\(MU1\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch2_MU1_qualifyingIndividuals.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch2_MU1_qualifyingIndividuals.md",
      "headings": [
        "Qualifying Individuals {#nmlsPG_qualifyingIndividuals .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch2_MU1_qualifyingIndividuals.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch2_MU1_requestLicense.md:chunk-0",
      "title": "Request License {#nmlsPG_requestLicense .concept}",
      "content": "# Request License \n\nThe Request/Transition License\\(s\\) screen identifies the license / registration types available based on the business activities and states selected.\n\nThe System does not allow applicants or licensees to apply for or maintain two of the same license types in any one state.\n\n**Tip:** Entities that are currently licensed with a state \\(outside of NMLS\\) and have been directed to transition their license\\(s\\) will enter the license number on this screen.\n\n-   **Requesting a Company License or Transition**  \nLearn how to request a company license or transition an existing license onto NMLS.\n\n**Parent topic:**Chapter II—NMLS Company Form \\(MU1\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch2_MU1_requestLicense.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch2_MU1_requestLicense.md",
      "headings": [
        "Request License {#nmlsPG_requestLicense .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch2_MU1_requestLicense.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch2_MU1_residentRegisteredAgent.md:chunk-0",
      "title": "Resident / Registered Agent\\* {#nmlsPG_residentRegisteredAgent .concept}",
      "content": "# Resident / Registered Agent\\* \n\nThe Resident/Registered Agent is the entity that will receive service of legal process on behalf of the applicant or licensee. A resident/registered agent must be identified in each state in which a license/registration is held, and the business address must be within that state.\n\nIf a state doesnot require the identification of a resident/registered agent, consult the state licensing requirements to determine how to complete this section. Typically, such states will accept an owner or officer of the company to be included here.\n\nResident/Registered Agent should match Secretary of State documentation.\n\n-   **Identifying Resident Agents**  \nProvide the contact details of registered agents authorized to receive legal and regulatory documents on behalf of your company in each state where a license is requested.\n\n**Parent topic:**Chapter II—NMLS Company Form \\(MU1\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch2_MU1_residentRegisteredAgent.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch2_MU1_residentRegisteredAgent.md",
      "headings": [
        "Resident / Registered Agent\\* {#nmlsPG_residentRegisteredAgent .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch2_MU1_residentRegisteredAgent.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch2_MU1_terms.md:chunk-0",
      "title": "Terminology Used in this Chapter {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7fdc .glossgroup}",
      "content": "# Terminology Used in this Chapter \n\n**Parent topic:**Chapter II—NMLS Company Form \\(MU1\\)\n\n## account \n\nAn account is the vehicle through which a user accesses their record in the System.\n\n## filing \n\nThe process by which a company or individual completes and submits the appropriate form—such as the Company form \\(MU1\\), Individual form \\(MU2 or MU4\\), or Branch form \\(MU3\\)—to apply for, transition, or surrender a license, or to update information in their record. The term may also encompass the submission of financial statements or call reports within the System.\n\n## record \n\nEach company, branch and individual have a unique record in the System. A record is completed by submitting the information shown on the Company Form \\(MU1\\), Individual Form \\(MU2\\), Branch Form \\(MU3\\), or Individual Licensing Form \\(MU4\\), and any accompanying documents. A record may include supervisory information, including documents or other items collected during an examination, investigation or consumer complaint handling.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch2_MU1_terms.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch2_MU1_terms.md",
      "headings": [
        "Terminology Used in this Chapter {#xd_09dae66fe8d2ebcf--2309753e-19773e328bb--7fdc .glossgroup}",
        "account {#id_qvg_psx_sfc}",
        "filing {#id_idh_rsx_sfc}",
        "record {#id_fcf_wsx_sfc}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch2_MU1_terms.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch2_MU1_webAddresses.md:chunk-0",
      "title": "Web Addresses\\* {#nmlsPG_webAddresses .concept}",
      "content": "# Web Addresses\\* \n\nA web address is optional in NMLS. Applicants or licensees should include any corporate websites, including all websites through which they solicit customers or through which they transact business.\n\nThere is no limit to the number of websites that can be entered.\n\n**Note:** Some states have additional requirements for websites, check state licensing requirements for additional information.\n\nThere is no limit to the number of websites that can be entered.\n\nSome states have additional requirements for websites, please check state licensing requirement for additional information.\n\n**Parent topic:**Chapter II—NMLS Company Form \\(MU1\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch2_MU1_webAddresses.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch2_MU1_webAddresses.md",
      "headings": [
        "Web Addresses\\* {#nmlsPG_webAddresses .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch2_MU1_webAddresses.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch3_MU2_CBC.md:chunk-0",
      "title": "Criminal Background Check \\(CBC\\) {#nmlsPG_criminalBackgroundCheckCbc .concept}",
      "content": "# Criminal Background Check \\(CBC\\) \n\nAs determined by each state agency, certain Control Persons, Direct Owners, Indirect Owners, Executive Officers, Branch Managers, and Qualifying Individuals are required to submit a Criminal Background Check \\(CBC\\) through NMLS.\n\nThe requirement to submit a CBC through NMLS varies by license types, position held, and agency. Please review the **MU2 NMLS CBC Requirements Chart** to determine individuals reported on the MU2 Form that are required to submit a CBC through NMLS.\n\nNMLS can use existing fingerprints already on file in NMLS that are less than three years old to process a new Criminal Background Check \\(CBC\\) request. If fingerprints on file are older than three years, the individual must be newly fingerprinted.\n\nIf NMLS does not have existing prints on file or the prints on file are older than three years, individuals must schedule their fingerprinting appointment through the NMLS fingerprint vendor within 180 days of submitting the Individual \\(MU2\\) Form / CBC request. If new fingerprints are not submitted within 180 days, the background check window expires, and the individual must authorize and pay for a new CBC.\n\nCBC results are only viewable to the authorized state regulators and are not viewable to the individual or posted on NMLS Consumer Access. Failure to select the state you are authorizing to view the CBC before requesting the CBC will result in having to request and pay for another CBC.\n\nA state may require submission of fingerprints through an alternative process for a state background check. View the State Licensing Checklist Compiler to determine specific requirements and process instructions for individual criminal background checks.\n\nAll international requests for packets shall be sent in a traceable manner \\(e.g. overnight delivery\\) to the applicant’s international address which may be the applicant’s current residential address, \\(mailing or physical\\), or the applicant’s current employer address. ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch3_MU2_CBC.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch3_MU2_CBC.md",
      "headings": [
        "Criminal Background Check \\(CBC\\) {#nmlsPG_criminalBackgroundCheckCbc .concept}",
        "Demographic Information {#section_p25_pxv_rgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch3_MU2_CBC.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch3_MU2_CBC.md:chunk-1",
      "title": "Criminal Background Check \\(CBC\\) {#nmlsPG_criminalBackgroundCheckCbc .concept}",
      "content": "er \\(e.g. overnight delivery\\) to the applicant’s international address which may be the applicant’s current residential address, \\(mailing or physical\\), or the applicant’s current employer address. The applicant shall provide a mailing label to facilitate the transmission of the packet.\n\n## Demographic Information \n\nThe following demographic information is required by the FBI:\n\n-   Eye Color\n-   Hair Color\n-   Race\n-   Height \\(Feet and inches\\)\n-   Weight\n\n-   **Completing the CBC Process for MU2 Individuals**  \nAuthorize and complete the Criminal Background Check \\(CBC\\) process, including scheduling fingerprint appointments and managing agency access to CBC results.\n-   **Fingerprinting for Non-US Residents**  \nHow individuals residing outside the United States, Guam, US Virgin Islands, or Puerto Rico complete fingerprinting for an NMLS Criminal Background Check \\(CBC\\) using Fieldprint fingerprint cards.\n\n**Parent topic:**Individual MU2 Form Filing",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch3_MU2_CBC.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch3_MU2_CBC.md",
      "headings": [
        "Criminal Background Check \\(CBC\\) {#nmlsPG_criminalBackgroundCheckCbc .concept}",
        "Demographic Information {#section_p25_pxv_rgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch3_MU2_CBC.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch3_MU2_NMLSIndividualForm.md:chunk-0",
      "title": "Chapter III—NMLS Individual Form \\(MU2\\) {#nmlsPG_nmlsIndividualFormMu2 .concept}",
      "content": "# Chapter III—NMLS Individual Form \\(MU2\\) \n\nThe Individual Form \\(MU2\\) must accompany the Company or Branch Form. Each individual identified as a Control Person, Qualifying Individual, or a Branch Manager for the applicant, must complete the Individual Form \\(MU2\\).\n\n-   **Terminology Used in This Chapter**  \n\n-   **General Instructions**  \nThe Individual Form \\(MU2\\) is required for all natural persons identified in the Company Form. In addition, everyone identified as a Control Person, Qualifying Individual, or a Branch Manager for the applicant, must complete the Individual Form \\(MU2\\) and it must accompany the Company or Branch Form.\n-   **Individual MU2 Form Filing**  \nUnderstand what the Individual \\(MU2\\) Form is, who must complete it, and the role it plays in company and branch filings in NMLS.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch3_MU2_NMLSIndividualForm.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch3_MU2_NMLSIndividualForm.md",
      "headings": [
        "Chapter III—NMLS Individual Form \\(MU2\\) {#nmlsPG_nmlsIndividualFormMu2 .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch3_MU2_NMLSIndividualForm.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch3_MU2_attestAndSubmit.md:chunk-0",
      "title": "Attest and Submit {#nmlsPG_attestAndSubmit_0 .concept}",
      "content": "# Attest and Submit \n\nThe individual must attest to the MU2 form before the company can then submit the Company \\(MU1\\) filing.\n\nAll completeness checks must pass before the individual can attest.\n\n-   **Attesting to an MU2 Form Filing**  \nHow to log in to your individual NMLS account, review all sections of your MU2 Form, and legally attest to the filing.\n\n**Parent topic:**Individual MU2 Form Filing",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch3_MU2_attestAndSubmit.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch3_MU2_attestAndSubmit.md",
      "headings": [
        "Attest and Submit {#nmlsPG_attestAndSubmit_0 .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch3_MU2_attestAndSubmit.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch3_MU2_creditReport_request.md:chunk-0",
      "title": "Credit Report Request {#nmlsPG_creditReportRequest .concept}",
      "content": "# Credit Report Request \n\nIndividuals should consult the state licensing requirements to determine if they should request a credit report through NMLS.\n\nThe system allows an applicant to grant access to an existing credit report, if done so within 30 days of the original credit report retrieval.\n\nThe system requires that anyone requesting a credit report be at least 15 years old and have a social security number.\n\nState agencies are prohibited from disclosing any information from the credit report with any third party. When placing an external note related to an individual’s credit report or criminal background check, you must mark the notes as “Private” so they are only viewable to the individual entity.\n\nForeign nationals or individuals who do not reside in the United States should refer to the State Agency checklist for instructions on how to meet this requirement.\n\n-   **Submitting a Credit Report for MU2 Individuals**  \nRequest and submit a credit report for your MU2 Form, complete the identity verification process, and attest to the filing.\n\n**Parent topic:**Individual MU2 Form Filing",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch3_MU2_creditReport_request.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch3_MU2_creditReport_request.md",
      "headings": [
        "Credit Report Request {#nmlsPG_creditReportRequest .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch3_MU2_creditReport_request.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch3_MU2_disclosureExplanations.md:chunk-0",
      "title": "Disclosure Explanations {#nmlsPG_disclosureExplanations_0 .concept}",
      "content": "# Disclosure Explanations \n\nIndividuals are required to update their Disclosure Explanations when circumstances change in accordance with state law or within 30 days, whichever is shorter. This includes adding a new explanation for each new event, even if the disclosure question response hasn’t changed.\n\nSee Providing Disclosure Explanations for additional information.\n\nSome states may require companies to provide an explanation and/or supporting documentation for previous **Yes** responses. Consult state specific licensing requirements for this information.\n\n-   **Providing MU2 Form Filing Disclosure Explanations**  \nProvide detailed explanations for all disclosure questions answered “Yes,” clarify certain “No” responses if required, and upload supporting documentation.\n\n**Parent topic:**Individual MU2 Form Filing",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch3_MU2_disclosureExplanations.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch3_MU2_disclosureExplanations.md",
      "headings": [
        "Disclosure Explanations {#nmlsPG_disclosureExplanations_0 .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch3_MU2_disclosureExplanations.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch3_MU2_disclosureQuestions.md:chunk-0",
      "title": "Disclosure Questions {#nmlsPG_disclosureQuestions_0 .concept}",
      "content": "# Disclosure Questions \n\nAll Disclosure Questions must be answered. Any **Yes** response requires an explanation to be provided in the Disclosure Explanations section.\n\nApplicants and licensees should refer carefully to the Explanation of Terms section of the instructions when answering these questions. State regulators require licensees and applicants to explain events that must be disclosed through a **Yes** response to any of the existing Disclosure Questions.\n\nA single PDF file can be uploaded with any applicable documentation. The regulator will be able to review the explanation and documentation.\n\nIndividuals are required to update their Disclosure Questions when circumstances change inaccordance with state law or within 30 days, whichever is shorter. This includes answers that are changed from **Yes** to **No**. A change in response requires an update to the Disclosure Explanations section.\n\n## Foreclosure \n\nFor purposes of individual disclosure questions, any foreclosure action that has beeninitiated, regardless if the action is considered final, must be disclosed.\n\n## Regulatory and Civil Judicial \n\nIndividuals must respond affirmatively to certain disclosure questions if they relate to activities that occurred while that individual exercised control over the organization. Individuals exercising control over companies who in the normal course of business face multiple regulatory or civil actions must respond affirmatively to the appropriate questions. An explanation stating this fact is required and further details related to specific actions may be required, including supporting documentation. Please consult state licensing requirements to verify what information is required to be submitted through NMLS.\n\n## Difference between K4 and K9 \n\n**K\\(4\\)** is asking if an order was issued against the individual that involved a financial service related activity, regardless of whether a license or registration was held or required.\n\n**K\\(9\\)** is asking if an orde",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch3_MU2_disclosureQuestions.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch3_MU2_disclosureQuestions.md",
      "headings": [
        "Disclosure Questions {#nmlsPG_disclosureQuestions_0 .concept}",
        "Foreclosure {#section_ad3_w2q_5dc .section}",
        "Regulatory and Civil Judicial {#section_krh_bfq_5dc .section}",
        "Difference between K4 and K9 {#section_mfj_2fq_5dc .section}",
        "Criminal {#section_sbf_hfq_5dc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch3_MU2_disclosureQuestions.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch3_MU2_disclosureQuestions.md:chunk-1",
      "title": "Disclosure Questions {#nmlsPG_disclosureQuestions_0 .concept}",
      "content": "if an order was issued against the individual that involved a financial service related activity, regardless of whether a license or registration was held or required.\n\n**K\\(9\\)** is asking if an order was entered specifically regarding a license or registration or the requirement to be licensed or registered.\n\n\"Order\" is a written directive issued pursuant to statutory authority and procedures, including orders of denial, suspension, or revocation; it does not include special stipulations, undertakings or agreements relating to payments, limitations on activity or other restrictions unless they are included in an order. Orders include temporary and permanent Cease and Desist Orders.\n\nNot all denials of a license are the result of an order. This may vary state to state.\n\n## Criminal \n\nDisclosure of a sealed or expunged conviction or item is not required if relevant state law or a court order does not require or prohibits disclosure.\n\nDisclosure of a felony or misdemeanor case disposed of in juvenile court is not required if relevant state law or a court order does not require or prohibits disclosure.\n\n-   **Answering MU2 Form Filing Disclosure Questions**  \nAnswer all disclosure questions on the MU2 Form and provide explanations or updates when required.\n\n**Parent topic:**Individual MU2 Form Filing",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch3_MU2_disclosureQuestions.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch3_MU2_disclosureQuestions.md",
      "headings": [
        "Disclosure Questions {#nmlsPG_disclosureQuestions_0 .concept}",
        "Foreclosure {#section_ad3_w2q_5dc .section}",
        "Regulatory and Civil Judicial {#section_krh_bfq_5dc .section}",
        "Difference between K4 and K9 {#section_mfj_2fq_5dc .section}",
        "Criminal {#section_sbf_hfq_5dc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch3_MU2_disclosureQuestions.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch3_MU2_documentUploads.md:chunk-0",
      "title": "Document Uploads {#nmlsPG_documentUploads_0 .concept}",
      "content": "# Document Uploads \n\nThe Document Uploads section allows individuals to upload and submit PDF documents to regulators.\n\nSee Document Upload Descriptions and Examples details the types of documents that can be uploaded in connection with an individual record. Only documents that are available for selection can be provided through NMLS; all other documentation required by a state regulator must be submitted outside NMLS. For more information, refer to state licensing requirements checklists.\n\nOnly the applicable document for the Document Type selected can be uploaded in NMLS \\(e.g., when selecting to upload a business plan, only a business plan document related to the company should be provided\\).\n\n## Deletion of Uploaded Documentation \n\nNMLS stores all documents that have been uploaded as part of a record. Documents can be deleted or replaced. However, the system maintains previously uploaded documents in a document type historical section on the Composite View page.\n\nThe document types that can be uploaded in connection with an individual filing are determined by each state agency. Not all licenses may require or permit all the documents listed below to be uploaded.\n\nMU2 Individual Filing \\(Ability to Upload Determined by Agency\\)\n\n-   Credit Report Explanations\n-   Legal Name / Status Documentation\n-   Memorandum of Tax Certification\n-   Personal Financial Statement\n-   State Background Check Authorization\n-   Verification of Experience\n\n-   **Managing MU2 Form Filing Document Uploads**  \nUpload, update, and delete documents required to support your MU2 Form filing in NMLS.\n\n**Parent topic:**Individual MU2 Form Filing",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch3_MU2_documentUploads.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch3_MU2_documentUploads.md",
      "headings": [
        "Document Uploads {#nmlsPG_documentUploads_0 .concept}",
        "Deletion of Uploaded Documentation {#section_hxp_2qh_5dc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch3_MU2_documentUploads.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch3_MU2_employHistory.md:chunk-0",
      "title": "Employment History {#nmlsPG_employmentHistory .concept}",
      "content": "# Employment History \n\nAn individual must provide a complete employment history for the past 10 years. Provide the full legal name of the company, beginning with the current employer.\n\nFor the purposes of this history, include both 1099 independent contractor assignments as well as W-2 status employment. The actual physical location the individual works from should be listed in the address field.\n\nThe work location stated in one’s NMLS record should remain a licensed or registered location. However, an individual working remote under executive order, state guidance, laws,regulations or any other pronouncement that has the effect of law, need not change their work location.\n\nIf you change your work location address for your current employer, update the address to that of the new location on the current employer entry.\n\nThe current employment should reflect the company where the individual receives their compensation. Additional information on positions of authority the individual may hold with other companies owned by the parent company of an organization should be disclosed in the Other Business section of the Individual Form \\(MU2\\). If the name or address of your current employer changes, update these fields accordingly. This process is not applicable to name or address changes that are the result of a merger, acquisition or other corporate structure change.\n\n**Important:** No gaps in employment may be present. Part-time employment should be included where the employment time is needed for the applicant to meet the required years of experience. Indicate`part time` or `PT` in the **position held** field \\(e.g.`PT school teacher`\\).\n\nTime unemployed should be stated as such, for example `unemployed, homemaker`, etc.. This is needed to verify required experience as well as to complete background checks in some states. All periods of unemployment must be accounted for.\n\nTime as a student should be stated as such. For example, use `student` and list the school address ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch3_MU2_employHistory.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch3_MU2_employHistory.md",
      "headings": [
        "Employment History {#nmlsPG_employmentHistory .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch3_MU2_employHistory.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch3_MU2_employHistory.md:chunk-1",
      "title": "Employment History {#nmlsPG_employmentHistory .concept}",
      "content": "as to complete background checks in some states. All periods of unemployment must be accounted for.\n\nTime as a student should be stated as such. For example, use `student` and list the school address in the address field.\n\n**Parent topic:**Individual MU2 Form Filing",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch3_MU2_employHistory.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch3_MU2_employHistory.md",
      "headings": [
        "Employment History {#nmlsPG_employmentHistory .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch3_MU2_employHistory.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch3_MU2_genInst.md:chunk-0",
      "title": "General Instructions {#xd_ba8a7cdd32c22609-3d69b93f-1996c469519--7fe9 .concept}",
      "content": "# General Instructions \n\nThe Individual Form \\(MU2\\) is required for all natural persons identified in the Company Form. In addition, everyone identified as a Control Person, Qualifying Individual, or a Branch Manager for the applicant, must complete the Individual Form \\(MU2\\) and it must accompany the Company or Branch Form.\n\n## Filing \n\nThe Individual Form \\(MU2\\) is an automatic requirement and is part of the Company and Branch Forms. The Company and Branch Forms will not be considered complete without all Individual Form \\(MU2\\) data entered and attested to by each individual.\n\nAny natural person who is an indirect owner of 10% or more, must submit an Individual Form \\(MU2\\). For percentage requirements in other industries view the state licensing requirements on the NMLS Resource Center.\n\nAdditionally, applicants must update the roster of control persons on the Company Form as needed, potentially requiring additional Individual Forms \\(MU2\\). State agencies require an authorization for a credit report and/or criminal background check to be submitted upon filing the Individual Form \\(MU2\\).\n\n**Tip:** An applicant or licensee must also refer to state licensing requirements published by each state in which it is applying. Some states may require biographical information about individuals that do not fit the Control Person definition. These states may therefore request an Individual Form \\(MU2\\) with other filings.\n\n**Parent topic:**Chapter III—NMLS Individual Form \\(MU2\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch3_MU2_genInst.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch3_MU2_genInst.md",
      "headings": [
        "General Instructions {#xd_ba8a7cdd32c22609-3d69b93f-1996c469519--7fe9 .concept}",
        "Filing {#section_q24_qyg_5dc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch3_MU2_genInst.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch3_MU2_idenitfyingInfo.md:chunk-0",
      "title": "Identifying Information {#nmlsPG_identifyingInformation_0 .concept}",
      "content": "# Identifying Information \n\nIndividual’s Identifying Information and guidance for the information are below.\n\n-   One should enter their full name which should be the individual’s legal name as found on their birth certificate,including a middle name even if not used, unless modified by a legal proceeding.\n\n    **Tip:** An individual’s middle name must be included in the individual’s NMLS record, if it is part of their full legal name, even if not on the form of identification provided. If a person does not have a middle name, they may be requested to produce a birth certificate or other legal documentation to evidence they have no middle name.\n\n-   Individuals should use their Last, First, Middle names, and suffix \\(“Jr”, “III”, etc.\\) if any. Do not enter a professional or academic suffix.\n-   If the individual’s name has changed and proof of the name change is requested by an agency, the individual must provide legal documentation of the change; namely, a government issued ID[^1] and a copy of a marriage certificate, a divorce decree, a court order or a certificate of naturalization, as applicable.\n-   In the case that the legal name was changed because of marriage, the marriage certificate may be used to prove the following scenarios:\n    1.  Listing their full legal name as shown on their marriage certificate;\n    2.  Listing their maiden name shown on the marriage certificate as their middle name; or\n    3.  Listing their last name as a hyphenated name \\(e.g., \\[maiden name\\]- \\[married name\\] or previous surname-married name\\).\n-   State of Birth and Country/Province of Birth for the individual must be identified.\n-   Individuals must identify if they are a US Citizen.\n-   The Government Issued ID and/or Passport information is not required for all individuals. Please review the state licensing requirements to see if you must submit this information.\n\n## Business phone, home phone, cell phone, fax and email: \n\nThe business phone and email address are required",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch3_MU2_idenitfyingInfo.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch3_MU2_idenitfyingInfo.md",
      "headings": [
        "Identifying Information {#nmlsPG_identifyingInformation_0 .concept}",
        "Business phone, home phone, cell phone, fax and email: {#section_i1y_phm_tgc .section}",
        "Mailing Address {#section_j1y_phm_tgc .section}",
        "Do you want to amend your legal name? {#section_k1y_phm_tgc .section}",
        "Any other business activities? {#section_l1y_phm_tgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch3_MU2_idenitfyingInfo.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch3_MU2_idenitfyingInfo.md:chunk-1",
      "title": "Identifying Information {#nmlsPG_identifyingInformation_0 .concept}",
      "content": "lease review the state licensing requirements to see if you must submit this information.\n\n## Business phone, home phone, cell phone, fax and email: \n\nThe business phone and email address are required; home phone, cell phone number, and fax number are optional.\n\n## Mailing Address \n\nAn individual’s home mailing address is required.\n\n## Do you want to amend your legal name? \n\nIf the individual’s name is changing due to marriage, divorce, or legal name change, the full name must be listed. Check jurisdiction specific documents to determine if you must submit documents outside the system for a legal name change.\n\n## Any other business activities? \n\nIf an individual is engaged in more than one business as a proprietor, partner, officer, director, employee, trustee agent or otherwise they should indicate yes. If individual selects **Yes** completion of the **Other Business** section \\(see below\\) will be required.\n\n**Parent topic:**Individual MU2 Form Filing\n\n[^1]: Examples of a government issued ID are a Real ID, driver’s license, passport, and/or other identification documents provided by a state or federal government. Where an individual does not have a REAL ID, additional documentation may be required.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch3_MU2_idenitfyingInfo.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch3_MU2_idenitfyingInfo.md",
      "headings": [
        "Identifying Information {#nmlsPG_identifyingInformation_0 .concept}",
        "Business phone, home phone, cell phone, fax and email: {#section_i1y_phm_tgc .section}",
        "Mailing Address {#section_j1y_phm_tgc .section}",
        "Do you want to amend your legal name? {#section_k1y_phm_tgc .section}",
        "Any other business activities? {#section_l1y_phm_tgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch3_MU2_idenitfyingInfo.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch3_MU2_mu2Form_mu3.md:chunk-0",
      "title": "MU2 Form {#nmlsPG_mu2Form .concept}",
      "content": "# MU2 Form \n\nThe system requires an Individual Form \\(MU2\\) to be completed for each Branch Manager.\n\nSee instructions for completing the Individual Form \\(MU2\\).\n\n-   **Managing MU2 Forms for Branch Managers on the Branch MU3 Form**  \nLearn how to manage MU2 forms for company representatives by linking and updating their information within your company’s MU1 form in NMLS.\n\n**Parent topic:**Completing the Branch MU3 New Application Filing",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch3_MU2_mu2Form_mu3.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch3_MU2_mu2Form_mu3.md",
      "headings": [
        "MU2 Form {#nmlsPG_mu2Form .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch3_MU2_mu2Form_mu3.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch3_MU2_otherBusiness.md:chunk-0",
      "title": "Other Business {#nmlsPG_otherBusiness .concept}",
      "content": "# Other Business \n\nIf the individual indicated that they are engaged in **Other Business Activities** on the Identifying Information screen, they are required to provide information about that business.\n\nThe name of the business, whether or not it is financial services related along with the business address is required. The nature of the business, position, title or relationship with business along with the start date, hours per month and description of duties are optional.\n\nConsult state licensing requirements to verify what information is required to be submitted through NMLS.\n\n**Parent topic:**Individual MU2 Form Filing",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch3_MU2_otherBusiness.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch3_MU2_otherBusiness.md",
      "headings": [
        "Other Business {#nmlsPG_otherBusiness .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch3_MU2_otherBusiness.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch3_MU2_otherNames.md:chunk-0",
      "title": "Other Names {#nmlsPG_otherNames .concept}",
      "content": "# Other Names \n\nIndividuals are required to provide any names other than their legal name used since the age of 18. Examples include nicknames, aliases, initials, names used on business cards or advertisements, and names used before or after marriage.\n\nMake sure that all names used in business practices are included such as those listed on business cards.\n\nThe information provided in this section is used to enhance the searchable data available on NMLS Consumer Access, as well as to verify information on credit reports, criminal background checks and for general compliance purposes.\n\n**Parent topic:**Individual MU2 Form Filing",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch3_MU2_otherNames.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch3_MU2_otherNames.md",
      "headings": [
        "Other Names {#nmlsPG_otherNames .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch3_MU2_otherNames.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch3_MU2_residentialHistory.md:chunk-0",
      "title": "Residential History {#nmlsPG_residentialHistory .concept}",
      "content": "# Residential History \n\nProvide full residential history for the past 10 years. No gaps should be present.\n\nThis information is used by regulators for a number of reasons, including completing background checks.\n\nApplicants or licensees must list all addresses where they have resided during the past 10 years. NMLS requires a minimum 10-year history but does not require more than that.\n\nThus,an individual could annually amend their residential history to include only the last 10 years and remove any addresses on NMLS more than 10 years ago.\n\nOnly the month and year are necessary to be provided in this section.\n\n**Note:** The address at age 18 can be used for any period before that date to reach a 10- year residential history.\n\n## Servicemember or Veteran \\(Optional Field\\) \n\n**Terminology Used for this Field**\nActive Duty\n:   The term active duty means full-time duty in the active military service of the United States. Such term includes full-time training duty, annual training duty, and attendance, while in the active military service, at a school designated as a service school by law or by the Secretary of the military department concerned. Such term does not include full-time National Guard duty.[^1]\n\nArmed Forces\n:   The term armed forces means the Army, Navy, Air Force, Marine Corps, Space Force, and Coast Guard. [^2]\n\nServicemember\n:   The term servicemember means a member of the uniformed services, as that term is defined in *Section 101 \\(a\\)\\(5\\) of Title 10*\\(Title 10 of the USC governs the military\\).[^3]\n\nUniformed Services\n:   The term uniformed services means —\n\n    -   \\(A\\) the armed forces;\n    -   \\(B\\) the commissioned corps of the National Oceanic and Atmospheric Administration; and\n    -   \\(C\\) the commissioned corps of the Public Health Service.[^4]\n\nThis field is optional and is provided in connection with the “Portability of Professional Licenses of Servicemembers and their Spouses” amendment to the Servicemembers Civil Relief Act \\(SCRA\\)[^5",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch3_MU2_residentialHistory.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch3_MU2_residentialHistory.md",
      "headings": [
        "Residential History {#nmlsPG_residentialHistory .concept}",
        "Servicemember or Veteran \\(Optional Field\\) {#section_sjq_djf_rgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch3_MU2_residentialHistory.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch3_MU2_residentialHistory.md:chunk-1",
      "title": "Residential History {#nmlsPG_residentialHistory .concept}",
      "content": "]\n\nThis field is optional and is provided in connection with the “Portability of Professional Licenses of Servicemembers and their Spouses” amendment to the Servicemembers Civil Relief Act \\(SCRA\\)[^5] and is provided to aid regulators in the implementation of the federal law.\n\nIf applicable, individuals will be able to identify themselves as one of the following:\n\n-   Active Duty Servicemember\n-   Spouse of Active Duty Servicemember\n-   Veteran\n\nDocuments required as proof of an individual’s military service and/or transfer orders must be uploaded as Servicemember documentation.\n\n**Note:** Many states have implemented statutes or regulations to meet the requirements of the SCRA. Some states have additional licensing requirements for current or former military members. Individuals should consult state licensing requirements checklists or with their state regulator.\n\n**Parent topic:**Individual MU2 Form Filing\n\n[^1]: **10 USC 101\\(d\\)\\(1\\)**\n[^2]: **10 USC 101 \\(a\\)\\(4\\)**\n[^3]: **50 USC 3911\\(1\\)**\n[^4]: **50 USC 3911\\(5\\)**\n[^5]: **50 USC 50**",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch3_MU2_residentialHistory.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch3_MU2_residentialHistory.md",
      "headings": [
        "Residential History {#nmlsPG_residentialHistory .concept}",
        "Servicemember or Veteran \\(Optional Field\\) {#section_sjq_djf_rgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch3_MU2_residentialHistory.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch3_MU2_terms.md:chunk-0",
      "title": "Terminology Used in This Chapter {#xd_ba8a7cdd32c22609-3d69b93f-1996c469519--7fea .glossgroup}",
      "content": "# Terminology Used in This Chapter \n\n**Parent topic:**Chapter III—NMLS Individual Form \\(MU2\\)\n\n## filing \n\nThe process by which a company or individual completes and submits the appropriate form—such as the Company form \\(MU1\\), Individual form \\(MU2 or MU4\\), or Branch form \\(MU3\\)—to apply for, transition, or surrender a license, or to update information in their record. The term may also encompass the submission of financial statements or call reports within the System.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch3_MU2_terms.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch3_MU2_terms.md",
      "headings": [
        "Terminology Used in This Chapter {#xd_ba8a7cdd32c22609-3d69b93f-1996c469519--7fea .glossgroup}",
        "filing {#id_cvz_t2m_tgc}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch3_MU2_terms.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch4_MU3_ACN.md:chunk-0",
      "title": "Advance Change Notice \\(ACN\\) {#nmlsPG_advanceChangeNoticeAcn .concept}",
      "content": "# Advance Change Notice \\(ACN\\) \n\nNMLS allows state licensees to submit certain changes to their NMLS Record in advance of the desired effective date. This functionality permits state regulators to electronically process future NMLS Record amendments and reduces the forms and filings submitted outside the system.\n\nCompanies and branches can provide an effective date for the following changes to their NMLS Record:\n\n## Branch \\(MU3\\) Form Advance Change Notice \\(ACN\\) Events \n\n-   Branch Main Address\n-   Other Trade Names\n\nAdditionally, a category exists within the Document Upload section of the Company and Branch Forms allowing supporting documents with proposed changes to be submitted as part of the ACN filing.\n\n**Note:** All documents uploaded under the Document Type of Advance Change Notice in support of an ACN are considered proposed and should be removed on the effective date of the event. Licensees must upload a final document on the effective date as an applicable Document Type, or mail documentation to the agency for those types not currently accepted within NMLS \\(e.g. Main Address documentation\\).\n\n## Advance Change Notice Refresh \n\nIf an un-submitted Branch Form \\(MU3\\) filing exists and an Advance Change Notice \\(ACN\\) is processed, the system is programed to refresh the un-submitted Branch Form \\(MU3\\) filing to incorporate the processed ACN\\(s\\).\n\n**Parent topic:**Completing the Branch MU3 New Application Filing",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch4_MU3_ACN.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch4_MU3_ACN.md",
      "headings": [
        "Advance Change Notice \\(ACN\\) {#nmlsPG_advanceChangeNoticeAcn .concept}",
        "Branch \\(MU3\\) Form Advance Change Notice \\(ACN\\) Events {#section_i2t_nln_5dc .section}",
        "Advance Change Notice Refresh {#section_k2t_nln_5dc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch4_MU3_ACN.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch4_MU3_NMLS_BranchForm.md:chunk-0",
      "title": "Chapter IV—NMLS Branch Form \\(MU3\\) {#nmlsPG_nmlsBranchFormMu3 .concept}",
      "content": "# Chapter IV—NMLS Branch Form \\(MU3\\) \n\nThe Branch Form \\(MU3\\) is the branch office information tied to a company’s record. The Branch Forms may only be submitted after a company submits a Company Form \\(MU1\\).\n\n-   **Branch Licensing or Registration**  \nUnderstand the purpose and process of licensing or registering branch locations through NMLS as part of the overall company licensing framework.\n\n**Parent topic:**Applying for a State Company License",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch4_MU3_NMLS_BranchForm.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch4_MU3_NMLS_BranchForm.md",
      "headings": [
        "Chapter IV—NMLS Branch Form \\(MU3\\) {#nmlsPG_nmlsBranchFormMu3 .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch4_MU3_NMLS_BranchForm.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch4_MU3_attestAndSubmit.md:chunk-0",
      "title": "Attest and Submit {#nmlsPG_attestAndSubmit_1 .concept}",
      "content": "# Attest and Submit \n\nThe **Attest and Submit** button for the MU3 Branch Form will only appear if the Company Form \\(MU1\\) passes all completeness checks, including Individual Form \\(MU2\\) attestations.\n\nThe Attestation must include the name of a natural person after the `I`. The applicant or licensee’s name should appear after the `of`.\n\nBranch attestations must be performed by an actual employee of the company.\n\nWhen clicking the **Submit Filing** button, applicants and licensees are making a legal attestation to all states in which they are applying for or maintaining a license through NMLS.\n\nAfter clicking the **Attest and Submit** button, the applicant or licensee is taken to a one-time payment page to make an electronic payment for the filing. Once the payment information has been successfully submitted the filing becomes viewable by the regulator\\(s\\). Payments can only be made by Visa or Mastercard or by ACH transfer.\n\n-   **Attesting to a Branch New Application Filing**  \nComplete the final step of the MU3 application process by legally attesting to the filing information and submitting it to state regulators through NMLS.\n\n**Parent topic:**Completing the Branch MU3 New Application Filing",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch4_MU3_attestAndSubmit.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch4_MU3_attestAndSubmit.md",
      "headings": [
        "Attest and Submit {#nmlsPG_attestAndSubmit_1 .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch4_MU3_attestAndSubmit.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch4_MU3_booksAndRecordsInfo.md:chunk-0",
      "title": "Books and Records Information {#nmlsPG_booksAndRecordsInformation_0 .concept}",
      "content": "# Books and Records Information \n\nApplicants and licensees must list the company name and address of the location where books and records are stored. They must also list the name of the individual at this location that should be contacted with inquiries about or to gain access to the books and records.\n\n## **Company**, **First Name**, **Last Name**, **Business Address** \n\nA company can repeat the Main Address here.\n\nMultiple contacts for record retention are allowed in the System, and you must specify contactby industry type\\(s\\) and state\\(s\\). You can use the comments field to specify the types of records being retained by your company at that location. Consult state licensing requirements to see if any states have further requirements for this section.\n\nApplicants and licensees can use the comments field to specify the types of records being retained at that location.\n\n-   **Providing Books and Records Information**  \nList the location\\(s\\) where the company’s books and records are stored, along with contact details and related information, in the MU1 filing.\n\n**Parent topic:**Completing the Branch MU3 New Application Filing",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch4_MU3_booksAndRecordsInfo.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch4_MU3_booksAndRecordsInfo.md",
      "headings": [
        "Books and Records Information {#nmlsPG_booksAndRecordsInformation_0 .concept}",
        "**Company**, **First Name**, **Last Name**, **Business Address** {#section_vrm_xbn_5dc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch4_MU3_booksAndRecordsInfo.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch4_MU3_branchManager.md:chunk-0",
      "title": "Branch Manager\\* {#nmlsPG_branchManager .concept}",
      "content": "# Branch Manager\\* \n\nNMLS requires the identification of a Branch Manager. The Branch Manager must have a completed Individual Form \\(MU2\\) filed at the same time as the Branch Form \\(MU3\\).\n\nThe Branch Manager must meet the requirements of the states for which the branch is requesting licensure. There can only be one Branch Manager for each **Industry Type** and State combination.\n\nIndividuals listed as a Branch Manager on the Branch \\(MU3\\) Form must have an individual NMLS account and will be required to complete an Individual \\(MU2\\) Form. One or more Branch Managers may be required depending on the licenses held by the Branch.\n\nA branch license can be surrendered without a Branch Manager associated with the Branch. If a Branch Manager has, in anticipation of branch closure for instance, severed their relationship with the licensee, the licensee may surrender all licenses associated to that branch manager. Any license the licensee wishes to retain must have a branch manager associated before the Branch \\(MU3\\) Form can be submitted to surrender a license or make any other updates. When a branch surrenders their last license the Branch Manager is automatically disassociated with the Branch.\n\n**Parent topic:**Identifying Branch Managers",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch4_MU3_branchManager.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch4_MU3_branchManager.md",
      "headings": [
        "Branch Manager\\* {#nmlsPG_branchManager .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch4_MU3_branchManager.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch4_MU3_businessActivities.md:chunk-0",
      "title": "Business Activities {#nmlsPG_businessActivities_0 .concept}",
      "content": "# Business Activities \n\nApplicants and licensees should indicate all business activities the branch engages in, regardless of whether those activities are undertaken in a state in which they are applying for a license or whether the state manages certain license types in NMLS.\n\nThe selected business activities in this section will allow the system to provide you with a list of licenses for which you may apply. Applicants can “copy” the business activities from the company \\(MU1\\) form to the branch \\(MU3\\) form. See Business Activities Definitions for a description of each activity available.\n\n**Note:** Companies filing a branch form must ensure the activities listed on the branch form are also accurately reflected in the company’s filing.\n\n-   **Selecting Relevant Business Activities**  \nChoose the business activities that accurately reflect the services your company provides to ensure proper license application and regulatory oversight.\n\n**Parent topic:**Completing the Branch MU3 New Application Filing",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch4_MU3_businessActivities.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch4_MU3_businessActivities.md",
      "headings": [
        "Business Activities {#nmlsPG_businessActivities_0 .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch4_MU3_businessActivities.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch4_MU3_createBranchFiling.md:chunk-0",
      "title": "Create a Branch \\(MU3\\) Filing {#nmlsPG_createABranchMu3Filing .concept}",
      "content": "# Create a Branch \\(MU3\\) Filing \n\nThe address information listed here must be for the Branch location.\n\nTheaddress information listed here must be for the Branch location.\n\nThis information should not match the information contained in any other Branch Form for the company. Only one Branch Form is allowed per physical address. Companies must not create more than one Branch Form per address. Regulators and SRR will periodically monitor compliance with this requirement.\n\nA branch’s authorization to conduct business will be reflected in NMLS Consumer Access.\n\n**Parent topic:**Applying for Branch Licenses or Registrations",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch4_MU3_createBranchFiling.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch4_MU3_createBranchFiling.md",
      "headings": [
        "Create a Branch \\(MU3\\) Filing {#nmlsPG_createABranchMu3Filing .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch4_MU3_createBranchFiling.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch4_MU3_documentUploads.md:chunk-0",
      "title": "Document Uploads {#nmlsPG_documentUploads_1 .concept}",
      "content": "# Document Uploads \n\nThe Document Uploads section allows individuals to upload and submit PDF documents to regulators.\n\nDocument Upload Descriptions and Examples and Documents Available for Upload to Company and Branch Filings \\(MU1/MU3\\) detail the types of documents that can be uploaded in connection with a branch record. Only documents that are available for selection can be provided through NMLS; all other documentation required by a state regulator must be submitted outside NMLS. For more information, refer to state licensing requirements checklists.\n\nOnly the applicable document for the Document Type selected can be uploaded in NMLS \\(e.g.,when selecting to upload a branch written agreement, only a branch written agreement document related to the branch should be provided\\).\n\nIf you have multiple documents for one Document Type for a specific state, they should be combined into one PDF and uploaded as a single document.\n\nWhen uploading a document with a change, include a cover sheet or make note in the comment box describing what change has occurred.\n\n## Advance Change Notice Document Type \n\nDocumentation submitted in support of an Advance Change Notice is considered proposed. Upon the effective date of the change, documents must be re-submitted under the appropriate Document Type \\(do not re-submit as Advance Change Notice\\). If the submission does not fall under an existing Document Type, documents must be submitted directly to the state agency; see the state's Amendment Checklist for the appropriate license for details.\n\n## Deletion of Uploaded Documentation \n\nNMLS stores all documents that have been uploaded as part of a record. Documents can be deleted or replaced. However, the system maintains previously uploaded documents in a document type historical section on the Composite View page.\n\nBranch Filing\n\n-   ACN Related Documents\n-   Additional Requirement\\(s\\) \\(State required\\)\n-   Branch Written Agreement\n-   Designation of Branch Qualified Employee \\(",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch4_MU3_documentUploads.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch4_MU3_documentUploads.md",
      "headings": [
        "Document Uploads {#nmlsPG_documentUploads_1 .concept}",
        "Advance Change Notice Document Type {#section_f5z_34n_5dc .section}",
        "Deletion of Uploaded Documentation {#section_ns2_bnn_5dc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch4_MU3_documentUploads.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch4_MU3_documentUploads.md:chunk-1",
      "title": "Document Uploads {#nmlsPG_documentUploads_1 .concept}",
      "content": "on on the Composite View page.\n\nBranch Filing\n\n-   ACN Related Documents\n-   Additional Requirement\\(s\\) \\(State required\\)\n-   Branch Written Agreement\n-   Designation of Branch Qualified Employee \\(State required\\)\n\n**Parent topic:**Completing the Branch MU3 New Application Filing",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch4_MU3_documentUploads.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch4_MU3_documentUploads.md",
      "headings": [
        "Document Uploads {#nmlsPG_documentUploads_1 .concept}",
        "Advance Change Notice Document Type {#section_f5z_34n_5dc .section}",
        "Deletion of Uploaded Documentation {#section_ns2_bnn_5dc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch4_MU3_documentUploads.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch4_MU3_expenseInfo.md:chunk-0",
      "title": "Expense Information {#nmlsPG_expenseInformation .concept}",
      "content": "# Expense Information \n\nIf you answered **Yes** to the fourth question on the previous screen \\[**Other than the entity, is anyone responsible for the expenses or have a financial interest in the activities of this branch?**\\], you must provide information about the entity here.\n\n-   **Providing Expense Information**  \nProvide information about entities that are responsible for branch expenses or have a financial interest in branch activities as part of the MU3 filing.\n\n**Parent topic:**Completing the Branch MU3 New Application Filing",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch4_MU3_expenseInfo.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch4_MU3_expenseInfo.md",
      "headings": [
        "Expense Information {#nmlsPG_expenseInformation .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch4_MU3_expenseInfo.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch4_MU3_genInst.md:chunk-0",
      "title": "General Instructions {#xd_ba8a7cdd32c22609-3d69b93f-1996c469519--7fe5 .concept}",
      "content": "# General Instructions \n\nGeneral instructions for filing form MU3, including filing, main in-state branch location, and data shared to NMLS Consumer Access.\n\n## A. General Instructions \n\nFiling\n:   Applicant and licensees are not considered authorized to conduct licensed activities from branch locations in a participating state unless they have an approved license tied to the Branch Form. Only one Branch Form is allowed to be filed per physical location. Regulators and SRR will periodically monitor compliance with this requirement.\n\nDates\n:   In NMLS, there is no distinction between the filing date and the effective date. The filing date is the date the filing submission is made in the system to one or more regulators. The change is made to the licensee’s record in NMLS instantly.\n\n    Thus, the effective date and the filing date are the same.\n\nTerms Used\n:   For uniformity, terms used throughout the Branch Form \\(MU3\\) are defined in the Explanation of Terms.\n\n## B. Main in-state branch location \n\nNMLS functionality treats all branch locations within a state equally. Given that the Company \\(MU1\\) Form’s **Main Address** will be the company’s corporate headquarters location, if a regulator wishes an applicant or licensee to identify a “main” in-state location, the regulator should create two different license types for Branch \\(MU3\\) Form filings—one signifying the “main” in-state location and a second for one or more other in-state locations.\n\n## C. Consumer Access\\* \n\nThe following information will be available and viewable in NMLS Consumer Access:\n\n-   NMLS Unique ID\n-   Entity Name\n-   License\\# by Jurisdiction\n-   License status by Jurisdiction\n-   Branch Address \\(City, State, Zip\\)\n-   Branch Phone, Fax,\n-   Other and Prior Trade Names\n-   Web Address\n-   Branch Manager Name\n-   Branch’s Authorization to conduct business\n\n**Parent topic:**Branch Licensing or Registration",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch4_MU3_genInst.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch4_MU3_genInst.md",
      "headings": [
        "General Instructions {#xd_ba8a7cdd32c22609-3d69b93f-1996c469519--7fe5 .concept}",
        "A. General Instructions {#section_khb_24t_tgc .section}",
        "B. Main in-state branch location {#section_o23_25h_5dc .section}",
        "C. Consumer Access\\* {#section_p23_25h_5dc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch4_MU3_genInst.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch4_MU3_historicalFilings.md:chunk-0",
      "title": "Historical Filings {#nmlsPG_historicalFilings_0 .task}",
      "content": "# Historical Filings \n\nThe Historical Filings section under the Filing tab contains copies of previously submitted Branch filings.\n\nCompany users with appropriate roles can also view a complete list of company filings in the Historical Filings section under the Composite View tab.\n\n1.  To view the changes between two filings, select the checkbox next to two filings and click the **Compare** button.\n\n    A new browser window or tab will open with the changes redlined.\n\n2.  Click the words **Click to View** under the Sections Changed column.\n\n    The Company Branch Form sections that were modified are displayed.\n\n**Parent topic:**Completing the Branch MU3 New Application Filing",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch4_MU3_historicalFilings.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch4_MU3_historicalFilings.md",
      "headings": [
        "Historical Filings {#nmlsPG_historicalFilings_0 .task}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch4_MU3_historicalFilings.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch4_MU3_licenseRegInfo_identifyingInfo.md:chunk-0",
      "title": "License/Registration Information Identifying Information\\* {#nmlsPG_licenseRegistrationInformationIdentifyingInformation .concept}",
      "content": "# License/Registration Information Identifying Information\\* \n\nMain address, mailing adfress, business phone, fax, and email on the MU3 form.\n\n## Main address \\(Do not use a PO Box\\)\\* \n\nA physical address is required. Ensure your company does not have an existing Branch Form \\(MU3\\) for this address.\n\n## Mailing address, if different from main address\\* \n\nLicensees who use a drop box or have another place they receive mail for the branch can indicate a mailing address different from their physical address.\n\n## Business phone, fax and email address\\* \n\nProvide the Business phone, fax, and email address of the branch. The fax and email are optional and should reflect information specific to the branch.\n\n**Parent topic:**Request a License",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch4_MU3_licenseRegInfo_identifyingInfo.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch4_MU3_licenseRegInfo_identifyingInfo.md",
      "headings": [
        "License/Registration Information Identifying Information\\* {#nmlsPG_licenseRegistrationInformationIdentifyingInformation .concept}",
        "Main address \\(Do not use a PO Box\\)\\* {#section_at1_dck_5dc .section}",
        "Mailing address, if different from main address\\* {#section_bt1_dck_5dc .section}",
        "Business phone, fax and email address\\* {#section_ct1_dck_5dc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch4_MU3_licenseRegInfo_identifyingInfo.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch4_MU3_operationInformation.md:chunk-0",
      "title": "Operation Information {#nmlsPG_operationInformation .concept}",
      "content": "# Operation Information \n\nConsult state licensing requirements if a **Yes** answer to any of these questions requires the submission of items outside the system.\n\n-   **Providing Operation Information**  \nAnswer the branch operation questions in the MU3 filing to provide regulators with insight into the branch’s activities. Some responses may require additional documentation or information.\n\n**Parent topic:**Completing the Branch MU3 New Application Filing",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch4_MU3_operationInformation.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch4_MU3_operationInformation.md",
      "headings": [
        "Operation Information {#nmlsPG_operationInformation .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch4_MU3_operationInformation.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch4_MU3_otherTradeNames.md:chunk-0",
      "title": "Other Trade Names {#nmlsPG_otherTradeNames_0 .concept}",
      "content": "# Other Trade Names \n\nOther Trade Names must be completed for all the other names the company will be using at this branch location.\n\n## **Name**\\* \n\nThese include business names, fictitious names, DBAs, etc. NMLS allows an unlimited number of Other Trade Names and requires licensees to indicate to which state the Other Trade Name applies.\n\nIf a state restricts usage, these will be detailed in the state licensing requirements.\n\nApplicants and licensees must include ALL Other Trade Names identified on a Branch Form on the Company Form.\n\n-   **Adding Other Trade Names**  \nEnter any additional trade names your branch uses to ensure they are properly recorded and displayed in NMLS and on public records.\n\n**Parent topic:**Completing the Branch MU3 New Application Filing",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch4_MU3_otherTradeNames.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch4_MU3_otherTradeNames.md",
      "headings": [
        "Other Trade Names {#nmlsPG_otherTradeNames_0 .concept}",
        "**Name**\\* {#section_ls2_cdk_5dc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch4_MU3_otherTradeNames.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch4_MU3_requestALicense.md:chunk-0",
      "title": "Request a License {#nmlsPG_requestALicense .concept}",
      "content": "# Request a License \n\nThe Request/Transition License\\(s\\) screen identifies the license / registration types available based on the business activities and states selected.\n\nThe System does not allow applicants or licensees to apply for or maintain two of the same license types in any one state.\n\n-   **Requesting a Branch License or Transition**  \nLearn how to request a branch license or transition an existing license onto NMLS.\n-   **License/Registration Information Identifying Information\\***  \nMain address, mailing adfress, business phone, fax, and email on the MU3 form.\n\n**Parent topic:**Completing the Branch MU3 New Application Filing",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch4_MU3_requestALicense.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch4_MU3_requestALicense.md",
      "headings": [
        "Request a License {#nmlsPG_requestALicense .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch4_MU3_requestALicense.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch4_MU3_webAddresses.md:chunk-0",
      "title": "Web Addresses\\* {#nmlsPG_webAddresses_0 .concept}",
      "content": "# Web Addresses\\* \n\nA Web Address is optional in NMLS. If a web address is provided, applicants must indicate if the company is accepting applications or transacting business through the website.\n\nApplicants or licensees should include any corporate websites, including all websites through which they solicit customers.\n\n**Parent topic:**Completing the Branch MU3 New Application Filing",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch4_MU3_webAddresses.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch4_MU3_webAddresses.md",
      "headings": [
        "Web Addresses\\* {#nmlsPG_webAddresses_0 .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch4_MU3_webAddresses.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch5_MU4_CBC.md:chunk-0",
      "title": "Criminal Background Check \\(CBC\\) {#nmlsPG_criminalBackgroundCheckCbc_0 .concept}",
      "content": "# Criminal Background Check \\(CBC\\) \n\nAll new individual \\(MU4\\) license applications require completion of the Criminal Background Check section. Existing licensees should complete this section to comply with state specific requirements.\n\nNMLS can use existing fingerprints already on file in NMLS that are less than three years old to process a new Criminal Background Check \\(CBC\\) request. If fingerprints on file are older than three years, the individual must be newly fingerprinted.\n\nIf NMLS does not have existing prints on file or the prints on file are more than three years old,individuals must schedule their fingerprinting appointment through the NMLS fingerprint vendor within 180 days of submitting the Individual \\(MU4\\) Form / CBC request. If new fingerprints are not submitted within 180 days, the background check window expires, and the individual must authorize and pay for a new CBC.\n\nCBC results are only viewable to the authorized state regulators and are not viewable to the individual or posted on NMLS Consumer Access. Failure to select the state you are authorizing to view the CBC before requesting the CBC will result in having to request and pay for another CBC.\n\nA state may require submission of fingerprints through an alternative process for a state background check. View the State Licensing Checklist Compiler to determine specific requirements and process instructions for individual criminal background checks.\n\nAll international requests for packets shall be sent in a traceable manner \\(e.g. overnight delivery\\) to the applicant’s international address which may be the applicant’s current residential address, \\(mailing or physical\\), or the applicant’s current employer address. The applicant shall provide a mailing label to facilitate the transmission of the packet.\n\n## Demographic Information \n\nThe following demographic information is required by the FBI:\n\n-   Eye Color\n-   Hair Color\n-   Race\n-   Height \\(Feet and inches\\)\n-   Weight\n\n-   **Complet",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch5_MU4_CBC.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch5_MU4_CBC.md",
      "headings": [
        "Criminal Background Check \\(CBC\\) {#nmlsPG_criminalBackgroundCheckCbc_0 .concept}",
        "Demographic Information {#section_ubc_pxv_rgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch5_MU4_CBC.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch5_MU4_CBC.md:chunk-1",
      "title": "Criminal Background Check \\(CBC\\) {#nmlsPG_criminalBackgroundCheckCbc_0 .concept}",
      "content": " the packet.\n\n## Demographic Information \n\nThe following demographic information is required by the FBI:\n\n-   Eye Color\n-   Hair Color\n-   Race\n-   Height \\(Feet and inches\\)\n-   Weight\n\n-   **Completing the Criminal Background Check Process**  \nLearn about the Criminal Background Check \\(CBC\\) process required as part of the completing the Individual MU4 Form in NMLS.\n\n**Parent topic:**Chapter V—NMLS Individual License Form \\(MU4\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch5_MU4_CBC.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch5_MU4_CBC.md",
      "headings": [
        "Criminal Background Check \\(CBC\\) {#nmlsPG_criminalBackgroundCheckCbc_0 .concept}",
        "Demographic Information {#section_ubc_pxv_rgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch5_MU4_CBC.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch5_MU4_NMLS_IndLicenseForm.md:chunk-0",
      "title": "Chapter V—NMLS Individual License Form \\(MU4\\) {#nmlsPG_nmlsIndividualLicenseFormMu4 .concept}",
      "content": "# Chapter V—NMLS Individual License Form \\(MU4\\) \n\nThe Individual License Form \\(MU4\\) is the Individual Mortgage License / Registration & Consent form.\n\n-   **General Instructions**  \nAn applicant or licensee for an individual license may use this form to apply for a license, amend a license, establish a relationship with a company, terminate a relationship with a company, or Surrender / Cancel a license.\n-   **Filing the Individual MU4 Form in NMLS**  \nUnderstand the purpose of the Individual MU4 Form and what to expect when filing it in NMLS.\n-   **Create Individual Record**  \nFull legal name \\(First, Middle, Last\\), Date of Birth, and Social Security Number are required for each Licensee to generate the Unique Identification Number.\n-   **Manage Licenses**  \nApplicants and Licensees should familiarize themselves with the jurisdiction’s specific instructions and checklist before completing any MU Forms in NMLS.\n-   **Individual Information**  \nInformation about individuals completing the MU4 form.\n-   **Other Names\\***  \nIndividuals are required to provide any names other than their legal name used since the age of 18. Examples include nicknames, aliases, initials, names used on business cards or advertisements, and names used before or after marriage.\n-   **Completing Residential and Employment History**  \nLearn how to enter complete and accurate residential and employment history in the Individual \\(MU4\\) Form.\n-   **Other Business**  \nAre you currently engaged in any other business as a proprietor, partner, officer, director, employee, trustee, agent or otherwise?\n-   **Disclosure Questions**  \nAll Disclosure Questions must be answered. Any **Yes** response requires an explanation to be provided in the Disclosure Explanations section. A single PDF file can be uploaded with any applicable documentation.\n-   **Criminal Background Check \\(CBC\\)**  \nAll new individual \\(MU4\\) license applications require completion of the Criminal Background Check section. Existin",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch5_MU4_NMLS_IndLicenseForm.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch5_MU4_NMLS_IndLicenseForm.md",
      "headings": [
        "Chapter V—NMLS Individual License Form \\(MU4\\) {#nmlsPG_nmlsIndividualLicenseFormMu4 .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch5_MU4_NMLS_IndLicenseForm.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch5_MU4_NMLS_IndLicenseForm.md:chunk-1",
      "title": "Chapter V—NMLS Individual License Form \\(MU4\\) {#nmlsPG_nmlsIndividualLicenseFormMu4 .concept}",
      "content": "aded with any applicable documentation.\n-   **Criminal Background Check \\(CBC\\)**  \nAll new individual \\(MU4\\) license applications require completion of the Criminal Background Check section. Existing licensees should complete this section to comply with state specific requirements.\n-   **Document Library**  \nIndividuals can upload and submit PDF documents to regulators. Documents uploaded will appear in the Document Library.\n-   **Credit Report**  \nAll new applicants for a mortgage loan originator license are required to authorize a credit report through NMLS. The first time an individual authorizes a credit report through NMLS, they must complete an Identity Verification \\(IDV\\) process.\n-   **Attest and Submit**  \nThe **Submit Filing** button will only appear if the Individual Form \\(MU4\\) passes all completeness checks.\n-   **Paying for an Individual MU4 Filing**  \nLearn how to complete the payment process for your Individual MU4 filing in NMLS.\n-   **Company—Managing Mortgage Loan Originator \\(MLO\\) Records**  \nManaging MLO Records consists of the following:\n-   **Completing Application Requirements Submitted Outside of NMLS**  \nLearn how to identify and complete application requirements that must be submitted directly to state agencies outside of NMLS.\n-   **Determining MU4 Filing Status**  \nLearn how to review the status of a submitted MU4 filing in NMLS.\n-   **Responding to License Items for Individuals**  \nLearn how to respond to license items issued by state regulators during the review of your MU4 application.\n-   **Requesting Additional Individual Licenses**  \nUnderstand how to request additional state licenses or registrations using the MU4 filing in NMLS.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch5_MU4_NMLS_IndLicenseForm.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch5_MU4_NMLS_IndLicenseForm.md",
      "headings": [
        "Chapter V—NMLS Individual License Form \\(MU4\\) {#nmlsPG_nmlsIndividualLicenseFormMu4 .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch5_MU4_NMLS_IndLicenseForm.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch5_MU4_attestAndSubmit.md:chunk-0",
      "title": "Attest and Submit {#nmlsPG_attestAndSubmit_2 .concept}",
      "content": "# Attest and Submit \n\nThe **Submit Filing** button will only appear if the Individual Form \\(MU4\\) passes all completeness checks.\n\nThe Attestation must include the name of a natural person after the `I`. The applicant or licensee’s name should appear after the `of`.\n\nWhen clicking the **Submit Filing** button, applicants and licensees are making a legal attestation to all states in which they are applying for or maintaining a license through NMLS.\n\n**Important:** It is important for an individual to consult with the company to determine who is responsible for the submission and payment of the Individual Form \\(MU4\\). If an initial form has already been submitted, this section can also be used to complete an amendment to update the form.\n\nEach time an individual \\(or his or her employing company\\) submits a completed filing, it will be stored in the individual’s record indefinitely. Note that some of the information provided in the filing, as well as certain license / registration details, is viewable to the public through the **NMLS Consumer Access** website.\n\nIf the applicant completed his or her own filing, after clicking the **Submit Filing** button, the applicant or licensee is taken to a one-time payment page to make an electronic payment for the filing. Once the payment information has been successfully submitted the filing becomes viewable by the regulator\\(s\\). NMLS only accepts payment by credit card \\(Visa or Mastercard only\\) or ACH transfer.\n\n-   **Attesting to Your Individual MU4 Filing**  \nHow to attest to an Individual MU4 Filing in NMLS.\n-   **Attesting to MU4 Filings Created by Sponsoring Company**  \nDescribes how to attest to Individual MU4 Filings created by a sponsoring company.\n\n**Parent topic:**Chapter V—NMLS Individual License Form \\(MU4\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch5_MU4_attestAndSubmit.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch5_MU4_attestAndSubmit.md",
      "headings": [
        "Attest and Submit {#nmlsPG_attestAndSubmit_2 .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch5_MU4_attestAndSubmit.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch5_MU4_compAccess.md:chunk-0",
      "title": "Company Access {#nmlsPG_companyAccess .concept}",
      "content": "# Company Access \n\nCompanies can only gain access to an MLO’s record if the MLO consents to giving access.\n\nAn MLO may grant a company access, and a company may request access from the MLO. When a company requests access to an MLO’s record, the MLO will be notified of the company request for access and will have the ability to accept or deny the request.\n\nThe company will see its pending company access requests on its “Manage People” page until the MLO has either accepted or rejected access to the MLO’s record\n\nIf an MLO no longer wants a company to have access to their record, the MLO must take action to remove access.\n\n**Note:** The system prohibits an MLO from removing Company Access to their record if an active Relationship or Sponsorship with the company exists.\n\n**Parent topic:**Company—Managing Mortgage Loan Originator \\(MLO\\) Records",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch5_MU4_compAccess.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch5_MU4_compAccess.md",
      "headings": [
        "Company Access {#nmlsPG_companyAccess .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch5_MU4_compAccess.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch5_MU4_compManageIndlRecords.md:chunk-0",
      "title": "Company—Managing Mortgage Loan Originator \\(MLO\\) Records {#nmlsPG_companyManagingIndividualRecords .concept}",
      "content": "# Company—Managing Mortgage Loan Originator \\(MLO\\) Records \n\nManaging MLO Records consists of the following:\n\n-   **Company Access**  \nCompanies can only gain access to an MLO’s record if the MLO consents to giving access.\n-   **Company Relationships**  \nA Company Relationship in NMLS should be viewed as a professional association, including both employees \\(IRS form W-2\\) and contractors \\(IRS form 1099\\).\n-   **Sponsoring a License\\***  \nAn approved Sponsorship in NMLS denotes that an MLO’s licensed activities are appropriately supervised by the MLO’s employer.\n\n**Parent topic:**Chapter V—NMLS Individual License Form \\(MU4\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch5_MU4_compManageIndlRecords.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch5_MU4_compManageIndlRecords.md",
      "headings": [
        "Company—Managing Mortgage Loan Originator \\(MLO\\) Records {#nmlsPG_companyManagingIndividualRecords .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch5_MU4_compManageIndlRecords.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch5_MU4_compRelation-1.md:chunk-0",
      "title": "Company Relationships {#nmlsPG_companyRelationships .concept}",
      "content": "# Company Relationships \n\nA Company Relationship in NMLS should be viewed as a professional association, including both employees \\(IRS form W-2\\) and contractors \\(IRS form 1099\\).\n\n## Establish a Relationship \n\nAfter a company has access to an MLO’s record, the company can begin the relationship and sponsorship process.\n\nWhen establishing a Company Relationship with an MLO, companies must identify the **Relationship Effective Date**, the licensed location associated with the MLO, the IRS Worker Classification \\(W2 employee or Non-W2 individual\\) and the MLO’s work remote status..\n\n**Note:** If necessary, the company may correct the **Relationship Effective Date** and update the **Worker Classification** without terminating the relationship. The corrected **Relationship Effective Date** must be on or before the initial Relationship Date. An effective date will be required when updating the **Worker Classification**.\n\nMLOs will be able to see companies to which they have granted access and those companies that have sponsored licenses for them on their My NMLS page.\n\n## Work Remote Status \n\nA company will be required to indicate for each of its mortgage loan originators \\(MLO\\), to the best of its knowledge, the MLO’s work remote[^1] status when conducting licensed mortgage loan origination activity[^2] using one of three categories:\n\n-   **Office-Centric** – The MLO works primarily from a licensed company or branch location.\n-   **Hybrid** - The MLO routinely splits their time between working from a company or branch location and a remote location not managed by the company.\n-   **Fully Remote** - The MLO works primarily from a remote location that is not managed by the company.\n\n## Work Remote Location Guidance: \n\n-   The company is required to designate a location \\(company or branch\\) for each MLO.\n-   If an MLO is **Office-Centric**, the company or branch location designated on the MLO’s record indicates the location from which the individual performs work for a",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch5_MU4_compRelation-1.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch5_MU4_compRelation-1.md",
      "headings": [
        "Company Relationships {#nmlsPG_companyRelationships .concept}",
        "Establish a Relationship {#section_n5s_sw5_5dc .section}",
        "Work Remote Status {#section_pvk_kqp_rgc .section}",
        "Work Remote Location Guidance: {#section_hbm_myp_rgc .section}",
        "License Association Guidance: {#section_fmq_dbq_rgc .section}",
        "Location {#section_nyc_tbq_rgc .section}",
        "Terminate a Relationship[^4] {#section_g5r_vbq_rgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch5_MU4_compRelation-1.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch5_MU4_compRelation-1.md:chunk-1",
      "title": "Company Relationships {#nmlsPG_companyRelationships .concept}",
      "content": "ompany or branch\\) for each MLO.\n-   If an MLO is **Office-Centric**, the company or branch location designated on the MLO’s record indicates the location from which the individual performs work for all the licenses the individual holds.\n-   If an MLO is **Hybrid**the company or branch location\\(s\\) designated on the MLO’s record indicates the company or branch managed location\\(s\\) where the MLO works.\n-   If an MLO is **Fully Remote**, the company or branch location designated on the MLO’s record indicates the location from which the company supervises the individual.[^3]\n    -   The supervising location must be licensed for all the states that the supervised MLO is licensed in.\n-   If an MLO is **Hybrid** or **Fully Remote**, and the individual is not working remotely from a residential location as stated on their record, the company is required to identify the location where the individual works remotely most of the time.\n\n## License Association Guidance: \n\nIf an MLO is **Hybrid** or **Fully Remote**, the company is required to indicate for which license\\(s\\) the individual works remotely \\(“license association”\\).\n\n-   Licenses that are not selected are those licenses for which the individual works primarily from a company location \\(i.e., **Office-Centric**\\).\n\nAs an MLO obtains new licenses, the Company must indicate if the MLO is working remotely \\(i.e., either **Hybrid** or **Fully Remote**\\) for the new license.\n\n## Location \n\nDuring the creation of a company relationship with an MLO, the company must designate one or more company or branch locations \\(i.e., the MLO’s physical work location\\(s\\)\\) for the MLO.\n\nIf the appropriate location is not available for selection, a Company User should submit a Branch Form \\(MU3\\) to establish the location prior to designating/selecting a location for the MLO. The **Start Date** should reflect the date the MLO started working at the selected location\\(s\\).\n\n**Note:** If an MLO is changing locations, the new location ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch5_MU4_compRelation-1.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch5_MU4_compRelation-1.md",
      "headings": [
        "Company Relationships {#nmlsPG_companyRelationships .concept}",
        "Establish a Relationship {#section_n5s_sw5_5dc .section}",
        "Work Remote Status {#section_pvk_kqp_rgc .section}",
        "Work Remote Location Guidance: {#section_hbm_myp_rgc .section}",
        "License Association Guidance: {#section_fmq_dbq_rgc .section}",
        "Location {#section_nyc_tbq_rgc .section}",
        "Terminate a Relationship[^4] {#section_g5r_vbq_rgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch5_MU4_compRelation-1.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch5_MU4_compRelation-1.md:chunk-2",
      "title": "Company Relationships {#nmlsPG_companyRelationships .concept}",
      "content": "nating/selecting a location for the MLO. The **Start Date** should reflect the date the MLO started working at the selected location\\(s\\).\n\n**Note:** If an MLO is changing locations, the new location must be added before removing the old location.\n\n## Terminate a Relationship[^4] \n\nEither a company or an MLO can terminate a relationship. When a relationship is terminated, an end date and a reason for ending must be provided. The drop-down choices for ending a relationship are as follows:\n\n-   **Deceased on Date**\n-   **Voluntary Resignation**\n-   **Permitted to Resign**\n-   **Discharged**\n-   **Reduction in Force**\n\nAn explanation for **Reason for Ending** may be provided but it is not required.\n\nIn the case of death, the end date shall be the same date as the date of death.\n\nTerminating a relationship will also terminate a company’s access to the MLO’s record.\n\n**Parent topic:**Company—Managing Mortgage Loan Originator \\(MLO\\) Records\n\n[^1]: Some states use the term remote work.\n[^2]:  See state specific requirements: State Licensing Checklist Compiler\n[^3]: This is sometimes referred to as the supervised location. An approved sponsorship in NMLS denotes that an individual’s licensed activities are appropriately supervised.\n[^4]:  In the case of an inadvertent error, a company can correct the termination data within thirty days of the termination date.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch5_MU4_compRelation-1.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch5_MU4_compRelation-1.md",
      "headings": [
        "Company Relationships {#nmlsPG_companyRelationships .concept}",
        "Establish a Relationship {#section_n5s_sw5_5dc .section}",
        "Work Remote Status {#section_pvk_kqp_rgc .section}",
        "Work Remote Location Guidance: {#section_hbm_myp_rgc .section}",
        "License Association Guidance: {#section_fmq_dbq_rgc .section}",
        "Location {#section_nyc_tbq_rgc .section}",
        "Terminate a Relationship[^4] {#section_g5r_vbq_rgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch5_MU4_compRelation-1.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch5_MU4_compRelation.md:chunk-0",
      "title": "Company Relationships {#nmlsPG_companyRelationships .concept}",
      "content": "# Company Relationships \n\nA Company Relationship in NMLS should be viewed as a professional association, including both employees \\(IRS form W-2\\) and contractors \\(IRS form 1099\\).\n\n## Establish a Relationship \n\nAfter a company has access to an MLO’s record, the company can begin the relationship and sponsorship process.\n\nWhen establishing a Company Relationship with an MLO, companies must identify the **Relationship Effective Date**, the licensed location associated with the MLO, the IRS Worker Classification \\(W2 employee or Non-W2 individual\\) and the MLO’s work remote status..\n\n**Note:** If necessary, the company may correct the **Relationship Effective Date** and update the **Worker Classification** without terminating the relationship. The corrected **Relationship Effective Date** must be on or before the initial Relationship Date. An effective date will be required when updating the **Worker Classification**.\n\nMLOs will be able to see companies to which they have granted access and those companies that have sponsored licenses for them on their My NMLS page.\n\n## Work Remote Status \n\nA company will be required to indicate for each of its mortgage loan originators \\(MLO\\), to the best of its knowledge, the MLO’s work remote[^1] status when conducting licensed mortgage loan origination activity[^2] using one of three categories:\n\n-   **Office-Centric** – The MLO works primarily from a licensed company or branch location.\n-   **Hybrid** - The MLO routinely splits their time between working from a company or branch location and a remote location not managed by the company.\n-   **Fully Remote** - The MLO works primarily from a remote location that is not managed by the company.\n\n## Work Remote Location Guidance: \n\n-   The company is required to designate a location \\(company or branch\\) for each MLO.\n-   If an MLO is **Office-Centric**, the company or branch location designated on the MLO’s record indicates the location from which the individual performs work for a",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch5_MU4_compRelation.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch5_MU4_compRelation.md",
      "headings": [
        "Company Relationships {#nmlsPG_companyRelationships .concept}",
        "Establish a Relationship {#section_n5s_sw5_5dc .section}",
        "Work Remote Status {#section_pvk_kqp_rgc .section}",
        "Work Remote Location Guidance: {#section_hbm_myp_rgc .section}",
        "License Association Guidance: {#section_fmq_dbq_rgc .section}",
        "Location {#section_nyc_tbq_rgc .section}",
        "Terminate a Relationship[^4] {#section_g5r_vbq_rgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch5_MU4_compRelation.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch5_MU4_compRelation.md:chunk-1",
      "title": "Company Relationships {#nmlsPG_companyRelationships .concept}",
      "content": "ompany or branch\\) for each MLO.\n-   If an MLO is **Office-Centric**, the company or branch location designated on the MLO’s record indicates the location from which the individual performs work for all the licenses the individual holds.\n-   If an MLO is **Hybrid**the company or branch location\\(s\\) designated on the MLO’s record indicates the company or branch managed location\\(s\\) where the MLO works.\n-   If an MLO is **Fully Remote**, the company or branch location designated on the MLO’s record indicates the location from which the company supervises the individual.[^3]\n    -   The supervising location must be licensed for all the states that the supervised MLO is licensed in.\n-   If an MLO is **Hybrid** or **Fully Remote**, and the individual is not working remotely from a residential location as stated on their record, the company is required to identify the location where the individual works remotely most of the time.\n\n## License Association Guidance: \n\nIf an MLO is **Hybrid** or **Fully Remote**, the company is required to indicate for which license\\(s\\) the individual works remotely \\(“license association”\\).\n\n-   Licenses that are not selected are those licenses for which the individual works primarily from a company location \\(i.e., **Office-Centric**\\).\n\nAs an MLO obtains new licenses, the Company must indicate if the MLO is working remotely \\(i.e., either **Hybrid** or **Fully Remote**\\) for the new license.\n\n## Location \n\nDuring the creation of a company relationship with an MLO, the company must designate one or more company or branch locations \\(i.e., the MLO’s physical work location\\(s\\)\\) for the MLO.\n\nIf the appropriate location is not available for selection, a Company User should submit a Branch Form \\(MU3\\) to establish the location prior to designating/selecting a location for the MLO. The **Start Date** should reflect the date the MLO started working at the selected location\\(s\\).\n\n**Note:** If an MLO is changing locations, the new location ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch5_MU4_compRelation.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch5_MU4_compRelation.md",
      "headings": [
        "Company Relationships {#nmlsPG_companyRelationships .concept}",
        "Establish a Relationship {#section_n5s_sw5_5dc .section}",
        "Work Remote Status {#section_pvk_kqp_rgc .section}",
        "Work Remote Location Guidance: {#section_hbm_myp_rgc .section}",
        "License Association Guidance: {#section_fmq_dbq_rgc .section}",
        "Location {#section_nyc_tbq_rgc .section}",
        "Terminate a Relationship[^4] {#section_g5r_vbq_rgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch5_MU4_compRelation.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch5_MU4_compRelation.md:chunk-2",
      "title": "Company Relationships {#nmlsPG_companyRelationships .concept}",
      "content": "nating/selecting a location for the MLO. The **Start Date** should reflect the date the MLO started working at the selected location\\(s\\).\n\n**Note:** If an MLO is changing locations, the new location must be added before removing the old location.\n\n## Terminate a Relationship[^4] \n\nEither a company or an MLO can terminate a relationship. When a relationship is terminated, an end date and a reason for ending must be provided. The drop-down choices for ending a relationship are as follows:\n\n-   **Deceased on Date**\n-   **Voluntary Resignation**\n-   **Permitted to Resign**\n-   **Discharged**\n-   **Reduction in Force**\n\nAn explanation for **Reason for Ending** may be provided but it is not required.\n\nIn the case of death, the end date shall be the same date as the date of death.\n\nTerminating a relationship will also terminate a company’s access to the MLO’s record.\n\n[^1]: Some states use the term remote work.\n[^2]:  See state specific requirements: State Licensing Checklist Compiler\n[^3]: This is sometimes referred to as the supervised location. An approved sponsorship in NMLS denotes that an individual’s licensed activities are appropriately supervised.\n[^4]:  In the case of an inadvertent error, a company can correct the termination data within thirty days of the termination date.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch5_MU4_compRelation.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch5_MU4_compRelation.md",
      "headings": [
        "Company Relationships {#nmlsPG_companyRelationships .concept}",
        "Establish a Relationship {#section_n5s_sw5_5dc .section}",
        "Work Remote Status {#section_pvk_kqp_rgc .section}",
        "Work Remote Location Guidance: {#section_hbm_myp_rgc .section}",
        "License Association Guidance: {#section_fmq_dbq_rgc .section}",
        "Location {#section_nyc_tbq_rgc .section}",
        "Terminate a Relationship[^4] {#section_g5r_vbq_rgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch5_MU4_compRelation.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch5_MU4_compSponsoringALicense-1.md:chunk-0",
      "title": "Sponsoring a License\\* {#nmlsPG_sponsoringALicense .concept}",
      "content": "# Sponsoring a License\\* \n\nAn approved Sponsorship in NMLS denotes that an MLO’s licensed activities are appropriately supervised by the MLO’s employer.\n\n## Sponsor a License \n\nWhere required, sponsorships must be established separately for each license.\n\nAn MLO’s licenses may be sponsored by more than one company. A single company can sponsor multiple licenses for an MLO.\n\nAcompany can only sponsor licenses in states where the company is also licensed or registered.\n\n**Note:** Consult applicable state licensing requirements \\(State Licensing Checklist Compiler\\) regarding individual sponsorship from multiple companies.\n\n## Remove Sponsorship \n\nOnly a company can initiate sponsorships, but sponsorshipsmay be removed by the company or the MLO. Sponsorships and sponsorship removal are required to be reviewed by the regulator.\n\n**Note:** removal of a sponsorship may affect the status of an MLO’s license.\n\n**Parent topic:**Company—Managing Mortgage Loan Originator \\(MLO\\) Records",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch5_MU4_compSponsoringALicense-1.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch5_MU4_compSponsoringALicense-1.md",
      "headings": [
        "Sponsoring a License\\* {#nmlsPG_sponsoringALicense .concept}",
        "Sponsor a License {#section_x1c_4dv_5dc .section}",
        "Remove Sponsorship {#section_cxt_hbr_rgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch5_MU4_compSponsoringALicense-1.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch5_MU4_compSponsoringALicense.md:chunk-0",
      "title": "Sponsoring a License\\* {#nmlsPG_sponsoringALicense .concept}",
      "content": "# Sponsoring a License\\* \n\nAn approved Sponsorship in NMLS denotes that an MLO’s licensed activities are appropriately supervised by the MLO’s employer.\n\n## Sponsor a License \n\nWhere required, sponsorships must be established separately for each license.\n\nAn MLO’s licenses may be sponsored by more than one company. A single company can sponsor multiple licenses for an MLO.\n\nAcompany can only sponsor licenses in states where the company is also licensed or registered.\n\n**Note:** Consult applicable state licensing requirements \\(State Licensing Checklist Compiler\\) regarding individual sponsorship from multiple companies.\n\n## Remove Sponsorship \n\nOnly a company can initiate sponsorships, but sponsorshipsmay be removed by the company or the MLO. Sponsorships and sponsorship removal are required to be reviewed by the regulator.\n\n**Note:** removal of a sponsorship may affect the status of an MLO’s license.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch5_MU4_compSponsoringALicense.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch5_MU4_compSponsoringALicense.md",
      "headings": [
        "Sponsoring a License\\* {#nmlsPG_sponsoringALicense .concept}",
        "Sponsor a License {#section_x1c_4dv_5dc .section}",
        "Remove Sponsorship {#section_cxt_hbr_rgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch5_MU4_compSponsoringALicense.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch5_MU4_creditReport.md:chunk-0",
      "title": "Credit Report {#nmlsPG_creditReport .concept}",
      "content": "# Credit Report \n\nAll new applicants for a mortgage loan originator license are required to authorize a credit report through NMLS. The first time an individual authorizes a credit report through NMLS, they must complete an Identity Verification \\(IDV\\) process.\n\nUpon submission of the new application, NMLS processes and delivers results of the credit report to all relevant state agencies. These state agencies individually evaluate the credit report to determine financial responsibility as required under the **SAFE Act**. Each state agency has agency-specific evaluating criteria.\n\nIf necessary, regulators communicate with licensees by either placing a license item on the record in NMLS or in some other means outside of NMLS. State regulators are prohibited from disclosing any information from the credit report with any entity other than the individual named on the credit report.\n\nA credit report is not typically required in connection with filing an amended Individual \\(MU4\\) Form, unless a request for a new credit report is made by a regulator.\n\nForeign nationals or individuals who do not reside in the United States need to refer to the State Agency checklist for instructions on how to meet this requirement.\n\n-   **Requesting a Credit Check in NMLS**  \nHow to request a credit report as part of the Individual MU4 form in NMLS.\n\n**Parent topic:**Chapter V—NMLS Individual License Form \\(MU4\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch5_MU4_creditReport.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch5_MU4_creditReport.md",
      "headings": [
        "Credit Report {#nmlsPG_creditReport .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch5_MU4_creditReport.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch5_MU4_disclosureQuestions.md:chunk-0",
      "title": "Disclosure Questions {#nmlsPG_disclosureQuestions_1 .concept}",
      "content": "# Disclosure Questions \n\nAll Disclosure Questions must be answered. Any **Yes** response requires an explanation to be provided in the Disclosure Explanations section. A single PDF file can be uploaded with any applicable documentation.\n\nApplicants and licensees should refer carefully to the Policy Guide Explanation of Terms section of the instructions when answering these questions.\n\nAll Disclosure Questions must be answered.\n\nState regulators require licensees and applicants to explain events that must be disclosed through a **Yes** response to any of the existing Disclosure Questions. Any **Yes** response requires an explanation.\n\nA single PDF file can be uploaded withany applicable documentation. The regulator will be able to review the explanation and documentation.\n\nA separate explanation should be provided for each event related to a disclosure question. A single PDF to be uploaded to support of the explanation. The PDF must contain relevant official documentation pertaining to the explanation \\(e.g.,a finding issued by a state regulatory agency, a court order, civil judgment\\).\n\nMultiple explanations may be provided if multiple events are related to a single question.\n\nAn optional explanation can be provided for a **No** response.\n\nIf an individual needs to upload an explanation in connection with a **No** response, they can do so in the Disclosure Explanations section that follows each category of questions \\(e.g., civil disclosure, criminal disclosure\\).\n\nConsult the Disclosure Explanations Reference—Document Upload for additional information.\n\nSome states may require companies to provide an explanation and/or supporting documentation for previous **Yes** responses. Consult state specific licensing requirements for this information\n\nIndividuals are required to update their Disclosure Questions when circumstances change in accordance with state law or within 30 days, whichever is shorter. This includes answers that are changed from **Yes** to **No**. A chan",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch5_MU4_disclosureQuestions.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch5_MU4_disclosureQuestions.md",
      "headings": [
        "Disclosure Questions {#nmlsPG_disclosureQuestions_1 .concept}",
        "Foreclosure {#section_n5d_x2q_5dc .section}",
        "Regulatory and Civil Judicial {#section_lpt_rjx_5gc .section}",
        "Difference between K4 and K9 {#section_i4x_2fq_5dc .section}",
        "Criminal {#section_hlr_gfq_5dc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch5_MU4_disclosureQuestions.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch5_MU4_disclosureQuestions.md:chunk-1",
      "title": "Disclosure Questions {#nmlsPG_disclosureQuestions_1 .concept}",
      "content": " update their Disclosure Questions when circumstances change in accordance with state law or within 30 days, whichever is shorter. This includes answers that are changed from **Yes** to **No**. A change in response requires an update to the Disclosure Explanations section.\n\n## Foreclosure \n\nFor purposes of individual disclosure questions, any foreclosure action that has beeninitiated, regardless if the action is considered final, must be disclosed.\n\n## Regulatory and Civil Judicial \n\nIndividuals must respond affirmatively to certain disclosure questions if they relate to activities that occurred while that individual exercised control over the organization. Individuals exercising control over companies who in the normal course of business face multiple regulatory or civil actions must respond affirmatively to the appropriate questions.\n\nAn explanation stating this fact is required and further details related to a specific action\\(s\\) may be required, including supporting documentation. Consult state licensing requirements to verify what information is required to be submitted.\n\n## Difference between K4 and K9 \n\n**K\\(4\\)** is asking if an order was issued against the individual that involved a financial service related activity, regardless of whether a license or registration was held or required.\n\n**K\\(9\\)** is asking if an order was entered specifically regarding a license or registration or the requirement to be licensed or registered.\n\n\"Order\" is a written directive issued pursuant to statutory authority and procedures, including orders of denial, suspension, or revocation; it does not include special stipulations, undertakings or agreements relating to payments, limitations on activity or other restrictions unless they are included in an order. Orders include temporary and permanent Cease and Desist Orders.\n\nNot all denials of a license are the result of an order. This may vary state to state.\n\n## Criminal \n\nDisclosure of a sealed or expunged conviction or item ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch5_MU4_disclosureQuestions.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch5_MU4_disclosureQuestions.md",
      "headings": [
        "Disclosure Questions {#nmlsPG_disclosureQuestions_1 .concept}",
        "Foreclosure {#section_n5d_x2q_5dc .section}",
        "Regulatory and Civil Judicial {#section_lpt_rjx_5gc .section}",
        "Difference between K4 and K9 {#section_i4x_2fq_5dc .section}",
        "Criminal {#section_hlr_gfq_5dc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch5_MU4_disclosureQuestions.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch5_MU4_disclosureQuestions.md:chunk-2",
      "title": "Disclosure Questions {#nmlsPG_disclosureQuestions_1 .concept}",
      "content": "ary and permanent Cease and Desist Orders.\n\nNot all denials of a license are the result of an order. This may vary state to state.\n\n## Criminal \n\nDisclosure of a sealed or expunged conviction or item is not required if relevant state law or a court order does not require or prohibits disclosure.\n\nDisclosure of a felony or misdemeanor case disposed of in juvenile court is not required if relevant state law or a court order does not require or prohibits disclosure.\n\nSeparate explanation should be provided for each event related to a disclosure question. Each explanation allows a single PDF to be uploaded in support of the explanation. It is expected that the PDF contain relevant official documentation related to the explanation \\(e.g., finding issued by a state regulatory agency, a court order, civil judgment\\). Multiple explanations may be provided if multiple events are related to a single question.\n\n-   **Answering Disclosure Questions**  \nHow to answer disclosure questions in the Individual MU4 Form.\n\n**Parent topic:**Chapter V—NMLS Individual License Form \\(MU4\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch5_MU4_disclosureQuestions.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch5_MU4_disclosureQuestions.md",
      "headings": [
        "Disclosure Questions {#nmlsPG_disclosureQuestions_1 .concept}",
        "Foreclosure {#section_n5d_x2q_5dc .section}",
        "Regulatory and Civil Judicial {#section_lpt_rjx_5gc .section}",
        "Difference between K4 and K9 {#section_i4x_2fq_5dc .section}",
        "Criminal {#section_hlr_gfq_5dc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch5_MU4_disclosureQuestions.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch5_MU4_disclosureQuestionsReference.md:chunk-0",
      "title": "Disclosure Explanations Reference—Document Upload {#xd_8c378acf17e6db4e-20399840-199489f9add--7fe8 .reference}",
      "content": "# Disclosure Explanations Reference—Document Upload \n\nPossible types of documents needed for disclosure questions answered with **Yes**. Updated: 2013-03-19\n\n## Financial Disclosure \n\n**Note:** All items require a detailed explanation of events; explain why you are answering **Yes** to the disclosure item. In addition to your explanation, states may require you to provide documents related to the event\\(s\\) you are disclosing. The following list of documentation related to each disclosable event is intended to provide licensees/applicants with typical document types regulators would generally expect. It does not encompass the full universe of documents regulators may require. Regulators may ask for additional documents not identified below as mandated by their state regulations or statutes. Contact your state regulator with questions regarding specific documents and whether such documents should be provided through this process.\n\n|Question Identification|Written Question|Possible Documents Required|\n|-----------------------|----------------|---------------------------|\n|A\\(1\\)|Have you filed a personal bankruptcy petition or been the subject of an involuntary bankruptcy petition within the past 10 years?||\n|Any Chapter Type in Pending Status|Official Court Filing/Schedules of the Bankruptcy|\n|Any Chapter Type Complete|Copy of the Discharge Certificate and Schedules|\n|Chapter 11 or 13 in Progress|Copy of Court Filing/Schedules and proof the individual is current on payments. This can be in the form of a letter from the trustee or a current statement.|\n|Dismissed Bankruptcy|Evidence of Dismissal by Court|\n|A\\(2\\)|Based upon events that occurred while you exercised control over an organization, has any organization filed a bankruptcy petition or been the subject of an involuntary bankruptcy petition within the past 10 years?||\n|Any Chapter Type in Pending Status|Official Court Filing/Schedules of the Bankruptcy|\n|Any Chapter Type Complete|Copy of the Discharge Certific",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch5_MU4_disclosureQuestionsReference.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch5_MU4_disclosureQuestionsReference.md",
      "headings": [
        "Disclosure Explanations Reference—Document Upload {#xd_8c378acf17e6db4e-20399840-199489f9add--7fe8 .reference}",
        "Financial Disclosure {#section_sjh_23s_gtb .section}",
        "Criminal Disclosure {#section_pqn_hrv_rgc .section}",
        "Civil Judicial Disclosure {#section_rhr_frv_rgc .section}",
        "Regulatory Action Disclosure {#section_p13_2rv_rgc .section}",
        "Customer Arbitration/Civil Litigation Disclosure {#section_bkz_brv_rgc .section}",
        "Termination Disclosure {#section_phj_1rv_rgc .section}",
        "NMLS or SRR Testing Rules of Conduct Disclosure {#section_upj_yqv_rgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch5_MU4_disclosureQuestionsReference.html",
      "snippet": null
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    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch5_MU4_disclosureQuestionsReference.md:chunk-1",
      "title": "Disclosure Explanations Reference—Document Upload {#xd_8c378acf17e6db4e-20399840-199489f9add--7fe8 .reference}",
      "content": "luntary bankruptcy petition within the past 10 years?||\n|Any Chapter Type in Pending Status|Official Court Filing/Schedules of the Bankruptcy|\n|Any Chapter Type Complete|Copy of the Discharge Certificate and Schedules.|\n|Chapter 11 or 13 in Progress|Copy of Court Filing/Schedules and proof the individual is current on payments. This can be in the form of a letter from the trustee or a current statement.|\n|Dismissed Bankruptcy|Evidence of Dismissal by Court|\n|A\\(3\\)|Have you been the subject of a foreclosure action within the past 10 years?||\n|Initiated or In Progress|Letter of Notification From Lender, court filing or judicial order for sale \\(in judicial foreclosure states\\); applicant's explanation should include individual's plan of action.|\n|Redeemed|Copy of 1099 issued by lender OR a copy of letter from lender stating whether or not a deficient balance on the mortgage loan will be collected on OR a copy of the state statute declaring the property state as non-recourse \\(usually applies only to primary residences\\).|\n|Modified|Evidence of modification filing with lender and any correspondence \\(if recent or not yet approved\\). Copy of temporary or permanent modification contract and evidence that timely payments are made to the lender in accordance with the modification agreement.|\n|Short Sale|Copy of Short Sale Agreement with all lenders, evidence of completed and Final HUD-1 for the short sale, and copies of 1099s issued by lenders OR a copies of letters from lenders stating whether or not a deficiency balance on the mortgage loan will be collected on OR a copy of the state statute declaring the property state as non-recourse \\(usually applies only to primary residences\\).|\n|B|Has a bonding company ever denied, paid out on, or revoked a bond for you?|Documentation of action taken by the bonding company.|\n|C|Based upon activities that occurred while you exercised control over an organization, has any bonding company ever denied, paid out on, or revoked a bond f",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch5_MU4_disclosureQuestionsReference.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch5_MU4_disclosureQuestionsReference.md",
      "headings": [
        "Disclosure Explanations Reference—Document Upload {#xd_8c378acf17e6db4e-20399840-199489f9add--7fe8 .reference}",
        "Financial Disclosure {#section_sjh_23s_gtb .section}",
        "Criminal Disclosure {#section_pqn_hrv_rgc .section}",
        "Civil Judicial Disclosure {#section_rhr_frv_rgc .section}",
        "Regulatory Action Disclosure {#section_p13_2rv_rgc .section}",
        "Customer Arbitration/Civil Litigation Disclosure {#section_bkz_brv_rgc .section}",
        "Termination Disclosure {#section_phj_1rv_rgc .section}",
        "NMLS or SRR Testing Rules of Conduct Disclosure {#section_upj_yqv_rgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch5_MU4_disclosureQuestionsReference.html",
      "snippet": null
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    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch5_MU4_disclosureQuestionsReference.md:chunk-2",
      "title": "Disclosure Explanations Reference—Document Upload {#xd_8c378acf17e6db4e-20399840-199489f9add--7fe8 .reference}",
      "content": " of action taken by the bonding company.|\n|C|Based upon activities that occurred while you exercised control over an organization, has any bonding company ever denied, paid out on, or revoked a bond for any organization?|Documentation of action taken by the bonding company.|\n|D|Do you have any unsatisfied judgments or liens against you?||\n|Judgment|Copy of initial judgment from court and evidence of any payment arrangements, current balance due, and proof of payment to the arrangement for the last 6 months \\(i.e. cancelled checks or statement from receiver\\); documentation of satisfaction when judgment has been paid off.|\n|Lien|Copy of initial lien filed and evidence of any payment arrangements for the last 6 months and current status of arrangements \\(i.e. copies of cancelled checks or statement from lien holder\\); documentation when released|\n|E|Are you delinquent on any court ordered child support payments?||\n|Delinquent Payments|Documentation of any payment arrangements, current balance due, and documentation to show what payments have been made for the last 6 months. Explanations should include the individual's plan of action to make the account current.|\n\n## Criminal Disclosure \n\n|Question Identification|Written Question|Possible Documents Required|\n|-----------------------|----------------|---------------------------|\n|F\\(1\\)|Have you ever been convicted of or pled guilty or nolo contendere \\(\"no contest\"\\) in a domestic, foreign, or military court to any felony?||\n||Felony Convictions|Documentation of charges and disposition.|\n|F\\(2\\)|Are there pending charges against you for any felony?||\n||Pending Felony Charges|Documentation of charges and current status of case.|\n|G\\(1\\)|Based upon activities that occurred while you exercised control over an organization has any organization ever been convicted of or pled guilty or nolo contendere \\(\"no contest\"\\) in a domestic, foreign, or military court to any felony?||\n||Felony Convictions|Documentation of charges and",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch5_MU4_disclosureQuestionsReference.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch5_MU4_disclosureQuestionsReference.md",
      "headings": [
        "Disclosure Explanations Reference—Document Upload {#xd_8c378acf17e6db4e-20399840-199489f9add--7fe8 .reference}",
        "Financial Disclosure {#section_sjh_23s_gtb .section}",
        "Criminal Disclosure {#section_pqn_hrv_rgc .section}",
        "Civil Judicial Disclosure {#section_rhr_frv_rgc .section}",
        "Regulatory Action Disclosure {#section_p13_2rv_rgc .section}",
        "Customer Arbitration/Civil Litigation Disclosure {#section_bkz_brv_rgc .section}",
        "Termination Disclosure {#section_phj_1rv_rgc .section}",
        "NMLS or SRR Testing Rules of Conduct Disclosure {#section_upj_yqv_rgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch5_MU4_disclosureQuestionsReference.html",
      "snippet": null
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    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch5_MU4_disclosureQuestionsReference.md:chunk-3",
      "title": "Disclosure Explanations Reference—Document Upload {#xd_8c378acf17e6db4e-20399840-199489f9add--7fe8 .reference}",
      "content": " any organization ever been convicted of or pled guilty or nolo contendere \\(\"no contest\"\\) in a domestic, foreign, or military court to any felony?||\n||Felony Convictions|Documentation of charges and disposition.|\n|G\\(2\\)|Based upon activities that occurred while you exercised control over an organization are there pending charges against any organization for any felony?||\n||Pending Felony Charges|Documentation of charges and current status of case.|\n|H\\(1\\)|Have you ever been convicted of or pled guilty or nolo contendere \\(\"no contest\"\\) in a domestic, foreign, or military court to committing or conspiring to commit a misdemeanor involving: \\(i\\) financial services or a financial services-related business, \\(ii\\) fraud, \\(iii\\) false statements or omissions, \\(iv\\) theft or wrongful taking of property, \\(v\\) bribery, \\(vi\\) perjury, \\(vii\\) forgery, \\(viii\\) counterfeiting, or \\(ix\\) extortion?||\n||Misdemeanor Convictions|Documentation of charges and disposition.|\n|H\\(2\\)|Are there pending charges against you for a misdemeanor specified in \\(H\\(1\\)?||\n||Misdemeanor Charges|Documentation of charges and current status of case.|\n|I\\(1\\)|Based upon activities that occurred while you exercised control over an organization has any organization ever been convicted of or pled guilty or nolo contendere \\(\"no contest\"\\) in a domestic, foreign, or military court to any misdemeanor specified in \\(H\\)\\(1\\)?||\n||Misdemeanor Convictions|Documentation of charges and disposition.|\n|I\\(2\\)|Based upon activities that occurred while you exercised control over an organization are there pending charges against any organization for any misdemeanor specified in \\(H\\)\\(1\\)?||\n||Misdemeanor Charges|Documentation of charges and current status of case.|\n\n## Civil Judicial Disclosure \n\n|Question Identification|Written Question|Possible Documents Required|\n|-----------------------|----------------|---------------------------|\n|J\\(1\\) a|Has any domestic or foreign court ever enjoined you in co",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch5_MU4_disclosureQuestionsReference.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch5_MU4_disclosureQuestionsReference.md",
      "headings": [
        "Disclosure Explanations Reference—Document Upload {#xd_8c378acf17e6db4e-20399840-199489f9add--7fe8 .reference}",
        "Financial Disclosure {#section_sjh_23s_gtb .section}",
        "Criminal Disclosure {#section_pqn_hrv_rgc .section}",
        "Civil Judicial Disclosure {#section_rhr_frv_rgc .section}",
        "Regulatory Action Disclosure {#section_p13_2rv_rgc .section}",
        "Customer Arbitration/Civil Litigation Disclosure {#section_bkz_brv_rgc .section}",
        "Termination Disclosure {#section_phj_1rv_rgc .section}",
        "NMLS or SRR Testing Rules of Conduct Disclosure {#section_upj_yqv_rgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch5_MU4_disclosureQuestionsReference.html",
      "snippet": null
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    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch5_MU4_disclosureQuestionsReference.md:chunk-4",
      "title": "Disclosure Explanations Reference—Document Upload {#xd_8c378acf17e6db4e-20399840-199489f9add--7fe8 .reference}",
      "content": " Identification|Written Question|Possible Documents Required|\n|-----------------------|----------------|---------------------------|\n|J\\(1\\) a|Has any domestic or foreign court ever enjoined you in connection with any financial services-related activity?|Documentation of initial court filing and settlement or final court decision.|\n|J\\(1\\) b|Has any domestic or foreign court ever found that you were involved in a violation of any financial services related statute\\(s\\) or regulation\\(s\\)?|Documentation of initial court filing and settlement or final court decision.|\n|J\\(1\\) c|Has any domestic or foreign court ever dismissed, pursuant to a settlement agreement, a financial services related civil action brought against you by a State, federal, or foreign financial regulatory authority?|Documentation of initial court filing and settlement or final court decision.|\n|J\\(2\\)|Is there a pending financial services-related civil action in which you are named for any alleged violation described in \\(J\\)\\(1\\)?|Documentation of initial court filing and settlement or final court decision.|\n|J\\(3\\)|Based upon activities that occurred while you exercised control over an organization, is there a pending financial services-related civil action in which any organization is named for any alleged violation described in \\(J\\)\\(1\\)?|Documentation of initial court filing and settlement or final court decision.|\n\n## Regulatory Action Disclosure \n\n|Question Identification|Written Question|Possible Documents Required|\n|-----------------------|----------------|---------------------------|\n|K\\(1\\)|Has any State or federal regulatory agency or foreign financial regulatory authority or self-regulatory organization \\(SRO\\) ever found you to have made a false statement or omission or been dishonest, unfair or unethical?|Copy of action taken.|\n|K\\(2\\)|Has any State or federal regulatory agency or foreign financial regulatory authority or self-regulatory organization \\(SRO\\) ever found you to have b",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch5_MU4_disclosureQuestionsReference.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch5_MU4_disclosureQuestionsReference.md",
      "headings": [
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        "Financial Disclosure {#section_sjh_23s_gtb .section}",
        "Criminal Disclosure {#section_pqn_hrv_rgc .section}",
        "Civil Judicial Disclosure {#section_rhr_frv_rgc .section}",
        "Regulatory Action Disclosure {#section_p13_2rv_rgc .section}",
        "Customer Arbitration/Civil Litigation Disclosure {#section_bkz_brv_rgc .section}",
        "Termination Disclosure {#section_phj_1rv_rgc .section}",
        "NMLS or SRR Testing Rules of Conduct Disclosure {#section_upj_yqv_rgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch5_MU4_disclosureQuestionsReference.html",
      "snippet": null
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    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch5_MU4_disclosureQuestionsReference.md:chunk-5",
      "title": "Disclosure Explanations Reference—Document Upload {#xd_8c378acf17e6db4e-20399840-199489f9add--7fe8 .reference}",
      "content": "nfair or unethical?|Copy of action taken.|\n|K\\(2\\)|Has any State or federal regulatory agency or foreign financial regulatory authority or self-regulatory organization \\(SRO\\) ever found you to have been involved in a violation of a financial services-related business regulation\\(s\\) or statute\\(s\\)?|Copy of action taken.|\n|K\\(3\\)|Has any State or federal regulatory agency or foreign financial regulatory authority or self-regulatory organization \\(SRO\\) ever found you to have been a cause of a financial services-related business having its authorization to do business denied, suspended, revoked or restricted?|Copy of action taken.|\n|K\\(4\\)|Has any State or federal regulatory agency or foreign financial regulatory authority or self-regulatory organization \\(SRO\\) ever entered an order against you in connection with a financial services-related activity?|Copy of action taken.|\n|K\\(5\\)|Has any State or federal regulatory agency or foreign financial regulatory authority or self-regulatory organization \\(SRO\\) ever revoked your registration or license?|Copy of action taken.|\n|K\\(6\\)|Has any State or federal regulatory agency or foreign financial regulatory authority or self-regulatory organization \\(SRO\\) ever denied or suspended your registration or license or application for licensure, disciplined you, or otherwise by order, prevented you from associating with a financial services-related business or restricted your activities?|Copy of action taken.|\n|K\\(7\\)|Has any State or federal regulatory agency or foreign financial regulatory authority or self-regulatory organization \\(SRO\\) ever barred you from association with an entity regulated by such commissions, authority, agency, or officer, or from engaging in a financial services-related business?|Copy of action taken.|\n|K\\(8\\)|Has any State or federal regulatory agency or foreign financial regulatory authority or self-regulatory organization \\(SRO\\) ever issued a final order against you based on violations of any law o",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch5_MU4_disclosureQuestionsReference.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch5_MU4_disclosureQuestionsReference.md",
      "headings": [
        "Disclosure Explanations Reference—Document Upload {#xd_8c378acf17e6db4e-20399840-199489f9add--7fe8 .reference}",
        "Financial Disclosure {#section_sjh_23s_gtb .section}",
        "Criminal Disclosure {#section_pqn_hrv_rgc .section}",
        "Civil Judicial Disclosure {#section_rhr_frv_rgc .section}",
        "Regulatory Action Disclosure {#section_p13_2rv_rgc .section}",
        "Customer Arbitration/Civil Litigation Disclosure {#section_bkz_brv_rgc .section}",
        "Termination Disclosure {#section_phj_1rv_rgc .section}",
        "NMLS or SRR Testing Rules of Conduct Disclosure {#section_upj_yqv_rgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch5_MU4_disclosureQuestionsReference.html",
      "snippet": null
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    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch5_MU4_disclosureQuestionsReference.md:chunk-6",
      "title": "Disclosure Explanations Reference—Document Upload {#xd_8c378acf17e6db4e-20399840-199489f9add--7fe8 .reference}",
      "content": "(8\\)|Has any State or federal regulatory agency or foreign financial regulatory authority or self-regulatory organization \\(SRO\\) ever issued a final order against you based on violations of any law or regulations that prohibit fraudulent, manipulative, or deceptive conduct?|Copy of action taken.|\n|K\\(9\\)|Has any State or federal regulatory agency or foreign financial regulatory authority or self-regulatory organization \\(SRO\\) ever entered an order concerning you in connection with any license or registration?|Copy of action taken.|\n|L|Have you ever had an authorization to act as an attorney, accountant, or State or federal contractor that was revoked or suspended?|Copy of action taken.|\n|M|Based upon activities that occurred while you exercised control over an organization, has any State or federal regulatory agency or foreign financial regulatory authority or self-regulatory organization \\(SRO\\) ever taken any of the actions listed in \\(K\\) through \\(L\\) above against any organization?|Copy of action taken.|\n|N|Is there a pending regulatory action proceeding against you for any alleged violation described in \\(K\\) through \\(L\\)?|Copy of action taken.|\n|O|Based upon activities that occurred while you exercised control over an organization, is there a pending regulatory action proceeding against any organization for any alleged violation described in \\(K\\) through \\(L\\)?|Copy of action taken.|\n\n## Customer Arbitration/Civil Litigation Disclosure \n\n|Question Identification|Written Question|Possible Documents Required|\n|-----------------------|----------------|---------------------------|\n|P\\(1\\)|Have you ever been named as a respondent/defendant in a financial services-related consumer-initiated arbitration or civil litigation which is still pending?|Documentation of action taken and current status of case.|\n|P\\(2\\)|Have you ever been named as a respondent/defendant in a financial services-related consumer-initiated arbitration or civil litigation which resulted in ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch5_MU4_disclosureQuestionsReference.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch5_MU4_disclosureQuestionsReference.md",
      "headings": [
        "Disclosure Explanations Reference—Document Upload {#xd_8c378acf17e6db4e-20399840-199489f9add--7fe8 .reference}",
        "Financial Disclosure {#section_sjh_23s_gtb .section}",
        "Criminal Disclosure {#section_pqn_hrv_rgc .section}",
        "Civil Judicial Disclosure {#section_rhr_frv_rgc .section}",
        "Regulatory Action Disclosure {#section_p13_2rv_rgc .section}",
        "Customer Arbitration/Civil Litigation Disclosure {#section_bkz_brv_rgc .section}",
        "Termination Disclosure {#section_phj_1rv_rgc .section}",
        "NMLS or SRR Testing Rules of Conduct Disclosure {#section_upj_yqv_rgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch5_MU4_disclosureQuestionsReference.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch5_MU4_disclosureQuestionsReference.md:chunk-7",
      "title": "Disclosure Explanations Reference—Document Upload {#xd_8c378acf17e6db4e-20399840-199489f9add--7fe8 .reference}",
      "content": "tion taken and current status of case.|\n|P\\(2\\)|Have you ever been named as a respondent/defendant in a financial services-related consumer-initiated arbitration or civil litigation which resulted in an arbitration award or civil judgment against you, regardless of amount, or that required corrective action?|Documentation of allegations, findings and resolution.|\n|P\\(3\\)|Have you ever been named as a respondent/defendant in a financial services-related consumer-initiated arbitration or civil litigation which was settled for any amount?|Documentation of allegations, findings and resolution.|\n\n## Termination Disclosure \n\n|Question Identification|Written Question|Possible Documents Required|\n|-----------------------|----------------|---------------------------|\n|Q\\(1\\)|Have you ever voluntarily resigned, been discharged, or permitted to resign after allegations were made that accused you of violating statute\\(s\\), regulation\\(s\\), rule\\(s\\), or industry standards of conduct?|Copy of any supporting documents, as applicable. If documents are not available, provide a detailed explanation for lack of documentation and why the individual resigned or was discharged.|\n|Q\\(2\\)|Have you ever voluntarily resigned, been discharged, or permitted to resign after allegations were made that accused you of fraud, dishonesty, theft, or the wrongful taking of property?|Copy of any supporting documents, as applicable. If documents are not available, provide a detailed explanation for lack of documentation and why the individual resigned or was discharged.|\n\n## NMLS or SRR Testing Rules of Conduct Disclosure \n\n|Question Identification|Written Question|Possible Documents Required|\n|-----------------------|----------------|---------------------------|\n|R\\(1\\)|Have you ever been found to have violated any Rule of Conduct for test takers of the SAFE MLO Test or found to have violated the NMLS Industry Terms of Use as it pertains to enrolling, scheduling or taking the SAFE MLO Test?|Copy of th",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch5_MU4_disclosureQuestionsReference.md",
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      "headings": [
        "Disclosure Explanations Reference—Document Upload {#xd_8c378acf17e6db4e-20399840-199489f9add--7fe8 .reference}",
        "Financial Disclosure {#section_sjh_23s_gtb .section}",
        "Criminal Disclosure {#section_pqn_hrv_rgc .section}",
        "Civil Judicial Disclosure {#section_rhr_frv_rgc .section}",
        "Regulatory Action Disclosure {#section_p13_2rv_rgc .section}",
        "Customer Arbitration/Civil Litigation Disclosure {#section_bkz_brv_rgc .section}",
        "Termination Disclosure {#section_phj_1rv_rgc .section}",
        "NMLS or SRR Testing Rules of Conduct Disclosure {#section_upj_yqv_rgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch5_MU4_disclosureQuestionsReference.html",
      "snippet": null
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    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch5_MU4_disclosureQuestionsReference.md:chunk-8",
      "title": "Disclosure Explanations Reference—Document Upload {#xd_8c378acf17e6db4e-20399840-199489f9add--7fe8 .reference}",
      "content": "olated any Rule of Conduct for test takers of the SAFE MLO Test or found to have violated the NMLS Industry Terms of Use as it pertains to enrolling, scheduling or taking the SAFE MLO Test?|Copy of the allegations and findings by the MTEB.|\n|R\\(2\\)|Have you been notified that you are the subject of an investigation by the Mortgage Testing and Education Board \\(MTEB\\) or State Regulatory Registry LLC \\(SRR\\) regarding an alleged violation of the Rules of Conduct for test takers of the SAFE MLO Test or the NMLS Industry Terms of Use as it pertains to enrolling, scheduling or taking the SAFE MLO Test?|Copy of notice of investigation by the MTEB and any filed response, if applicable.|\n\n**Parent topic:**Appendices",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch5_MU4_disclosureQuestionsReference.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch5_MU4_disclosureQuestionsReference.md",
      "headings": [
        "Disclosure Explanations Reference—Document Upload {#xd_8c378acf17e6db4e-20399840-199489f9add--7fe8 .reference}",
        "Financial Disclosure {#section_sjh_23s_gtb .section}",
        "Criminal Disclosure {#section_pqn_hrv_rgc .section}",
        "Civil Judicial Disclosure {#section_rhr_frv_rgc .section}",
        "Regulatory Action Disclosure {#section_p13_2rv_rgc .section}",
        "Customer Arbitration/Civil Litigation Disclosure {#section_bkz_brv_rgc .section}",
        "Termination Disclosure {#section_phj_1rv_rgc .section}",
        "NMLS or SRR Testing Rules of Conduct Disclosure {#section_upj_yqv_rgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch5_MU4_disclosureQuestionsReference.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch5_MU4_employHistory.md:chunk-0",
      "title": "Employment\\* {#nmlsPG_employmentHistory_0 .concept}",
      "content": "# Employment\\* \n\nProvide full employment history for the past 10 years. No gaps should be present.\n\n## Employment History \n\nProvide the full legal name of the company, beginning with your current employer. For the purposes of this history, include both 1099 independent contractor assignments as well as W-2 status employment. The actual physical location the individual works from should be listed in the address field.\n\nThe work location stated in one’s NMLS record should remain a licensed or registered location, however, an individual working remote under executive order, state guidance, laws,regulations or any other pronouncement that has the effect of law, need not change their work location.\n\nIf you change your work location address for your current employer, update the address to that of the new location on the current employer entry.\n\nThe current employment should reflect the company where the individual receives their compensation. Additional information on positions of authority the individual may hold with other companies owned by the parent company of an organization should be disclosed in the Other Business section of the Individual Form \\(MU4\\). If the name or address of your current employer changes, update these fields accordingly on the current employer entry. This process is not applicable to name or address changes that are the result of a merger, acquisition or other corporate structure change.\n\nNo gaps in employment should be present. Part-time employment should be included where the employment time is needed for the applicant to meet the required years of experience. Indicate `part time` or `PT` in the **Position Held** field \\(e.g. `PT school teacher`\\).\n\nPeriods of unemployment should be stated as such. For example, use `unemployed, homemaker, etc.`.This is needed to verify required experience as well as to complete background checks in some states. All periods of unemployment must be accounted for.\n\nTime as a student should be stated as such. Fo",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch5_MU4_employHistory.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch5_MU4_employHistory.md",
      "headings": [
        "Employment\\* {#nmlsPG_employmentHistory_0 .concept}",
        "Employment History {#section_qz3_lwk_rgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch5_MU4_employHistory.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch5_MU4_employHistory.md:chunk-1",
      "title": "Employment\\* {#nmlsPG_employmentHistory_0 .concept}",
      "content": "This is needed to verify required experience as well as to complete background checks in some states. All periods of unemployment must be accounted for.\n\nTime as a student should be stated as such. For example, use `student` and list the school address in the address field.\n\n-   **Work Remote FAQs**  \nFrequently asked questions about working remote.\n\n**Parent topic:**Completing Residential and Employment History",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch5_MU4_employHistory.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch5_MU4_employHistory.md",
      "headings": [
        "Employment\\* {#nmlsPG_employmentHistory_0 .concept}",
        "Employment History {#section_qz3_lwk_rgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch5_MU4_employHistory.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch5_MU4_genInst.md:chunk-0",
      "title": "General Instructions {#xd_ce249bf7f1de6244--290e2ab-19990ca3186--7ffd .concept}",
      "content": "# General Instructions \n\nAn applicant or licensee for an individual license may use this form to apply for a license, amend a license, establish a relationship with a company, terminate a relationship with a company, or Surrender / Cancel a license.\n\n## A. General Instructions \n\nFiling\n:   Applicants or licensees for an individual license/registration may use this form to apply for a license, amend a license, establish a relationship with a company, terminate a relationship with a company, or Surrender / Cancel a license.\n\n    Applicants and licensees should consult the jurisdiction-specific instructions for any requirements that must be met in addition to submitting the Individual Form \\(MU4\\).\n\nDates\n:   In the NMLS, there is no distinction between the filing date and the effective date. The filing date is the date the filing submission is made in the system to one or more regulators. The change is made to the licensee’s record in the NMLS instantly. Thus, the effective date and the filing date are the same.\n\n## B. Consumer Access\\* \n\nThe following information will be available and viewable in NMLS Consumer Access:\n\n-   NMLS Unique ID\n-   Name \\(First, Middle, Last, Suffix\\)\n-   Business Phone, Fax\n-   Indication as to whether the individual is engaged in other business as director, owner, employee, etc.\n-   Other Names\n-   Employment History\n-   License\\# by Jurisdiction\n-   License status by Jurisdiction\n-   Sponsorship for License\n-   Branch location associated with the individual\n-   Public State Regulatory Actions\n\n-   **Information You Need Before You Can Apply**  \nGather essential personal, historical, and state-specific documentation before beginning your MU4 license application filing.\n\n**Parent topic:**Chapter V—NMLS Individual License Form \\(MU4\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch5_MU4_genInst.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch5_MU4_genInst.md",
      "headings": [
        "General Instructions {#xd_ce249bf7f1de6244--290e2ab-19990ca3186--7ffd .concept}",
        "A. General Instructions {#section_ll4_d34_5dc .section}",
        "B. Consumer Access\\* {#section_nl4_d34_5dc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch5_MU4_genInst.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch5_MU4_identifyingInfo.md:chunk-0",
      "title": "Individual Information {#nmlsPG_identifyingInformation_1 .concept}",
      "content": "# Individual Information \n\nInformation about individuals completing the MU4 form.\n\n## Personal Information { .section}\n\nLegal Name\n:   -   Full name is required which must be the person’s legal name as stated on their birth certificate, including a middle name even if not used, unless modified by a legal proceeding.\n-   Individuals need to use their Last, First, Middle names, and suffix \\(“Jr”, “III”, etc.\\) if any. Do not enter a professional or academic suffix.\n-   If the name has changed, legal documentation of the change is required such as a government issued ID[^1], a copy of a marriage certificate, divorce decree, court order, or a certificate of naturalization.\n-   In the case that the legal name was changed because of marriage, the marriage certificate may be used to prove the following scenarios:\n    1.  Listing their full legal name as shown on the marriage certificate;\n    2.  Listing their maiden name shown on the marriage certificate as their middle name; or\n    3.  Listing their last name as a hyphenated name \\(e.g., \\[maiden name\\]-\\[ married name\\] or previous surname-married name\\).\n-   State of Birth and Country/Province of Birth for the individual must be identified.\n-   Individuals must identify if they are a US Citizen.\n-   The Government Issued ID and/or Passport information is not required for all individuals. Please review the state licensing requirements to see if you must submit this information.\n-   An individual’s middle name must be included in the individual’s NMLS record, if it is part of their full legal name, even if not on the form of identification provided.\n-   If a person does not have a middle name, they may be requested to produce a birth certificate or other legal documentation to evidence they have no middle name.\n\n    **Note:** If you want to change your legal name, you can edit the legal name field . If the individual’s name is changing due to marriage, divorce, or legal name change, the full name must be listed. You may b",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch5_MU4_identifyingInfo.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch5_MU4_identifyingInfo.md",
      "headings": [
        "Individual Information {#nmlsPG_identifyingInformation_1 .concept}",
        "Personal Information { .section}",
        "Contact Information {#section_edk_lqw_5gc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch5_MU4_identifyingInfo.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch5_MU4_identifyingInfo.md:chunk-1",
      "title": "Individual Information {#nmlsPG_identifyingInformation_1 .concept}",
      "content": " If you want to change your legal name, you can edit the legal name field . If the individual’s name is changing due to marriage, divorce, or legal name change, the full name must be listed. You may be required to submit documentation of the name change. Jurisdiction specific documents will specify if you must submit documents outside the system for a legal name change.\n\n## Contact Information \n\nMailing Address\n:   The individual’s home mailing address is required.\n\nPhone and Email Addresses\n:   Business phone, fax, home phone, cell phone, and work email address and primary NMLS notification e-mail address.\n\n    The business phone and work email address are required; home phone, cell phone number, and fax number are optional.\n\n**Parent topic:**Chapter V—NMLS Individual License Form \\(MU4\\)\n\n[^1]: Examples of a government issued ID are a Real ID, driver’s license, passport, and/or other Identification documents provided by a state or federal government. Where an individual does not have a REAL ID, additional documentation may be required.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch5_MU4_identifyingInfo.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch5_MU4_identifyingInfo.md",
      "headings": [
        "Individual Information {#nmlsPG_identifyingInformation_1 .concept}",
        "Personal Information { .section}",
        "Contact Information {#section_edk_lqw_5gc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch5_MU4_identifyingInfo.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch5_MU4_indRecord_create.md:chunk-0",
      "title": "Create Individual Record {#nmlsPG_createIndividualRecord .concept}",
      "content": "# Create Individual Record \n\nFull legal name \\(First, Middle, Last\\), Date of Birth, and Social Security Number are required for each Licensee to generate the Unique Identification Number.\n\n**Important:** Each applicant is responsible for the input of data, creation of a record, or changes to his or her record. Applicants that allow others \\(including employers\\) to have access to their records are still responsible for all data changes and any appropriate fines, fees and penalties that may be a result of these changes.\n\nIn some circumstances, individuals and entities may request to have data corrected that cannot be self-corrected in the system. Individuals or entities that need to make a date change should contact the NMLS Call Center at 1-855-NMLS-123 \\(1-855-665-7123\\). Some requests to modify data may have a fee associated with it and may require approval from relevant state agencies before it can be processed. The cost for these changes is based on an hourly rate. All fees will be disclosed and agreed to prior to any change being initiated.\n\n-   **Creating an Individual MU4 Filing**  \nLearn how to create a new MU4 filing to begin applying for an MLO license or registration in NMLS.\n\n**Parent topic:**Chapter V—NMLS Individual License Form \\(MU4\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch5_MU4_indRecord_create.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch5_MU4_indRecord_create.md",
      "headings": [
        "Create Individual Record {#nmlsPG_createIndividualRecord .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch5_MU4_indRecord_create.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch5_MU4_licRegInfo.md:chunk-0",
      "title": "Manage Licenses {#nmlsPG_licenseRegistrationInformation_0 .concept}",
      "content": "# Manage Licenses \n\nApplicants and Licensees should familiarize themselves with the jurisdiction’s specific instructions and checklist before completing any MU Forms in NMLS.\n\nInstructions and checkilsts:\n\n-   State Licensing Checklist Compiler\n-   Annual Renewal Checklist\n-   NMLS State Resource Center\n\n.\n\n-   **Selecting Your Licenses**  \nLearn how to select licenses or registrations to apply for in the MU4 form.\n\n**Parent topic:**Chapter V—NMLS Individual License Form \\(MU4\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch5_MU4_licRegInfo.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch5_MU4_licRegInfo.md",
      "headings": [
        "Manage Licenses {#nmlsPG_licenseRegistrationInformation_0 .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch5_MU4_licRegInfo.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch5_MU4_otherBusiness.md:chunk-0",
      "title": "Other Business {#nmlsPG_otherBusiness_0 .concept}",
      "content": "# Other Business \n\nAre you currently engaged in any other business as a proprietor, partner, officer, director, employee, trustee, agent or otherwise?\n\nIf an individual is engaged in more than one business, it should be indicated here. If individual selects **Yes** completion of the Other Business information will be required.\n\nAdditional information on positions of authority an individual may hold with other companies, regardless if it is financial services, must be disclosed in the Other Business section of the Individual \\(MU4\\) Form.\n\nIf you indicated that they are engaged in **Other Business Activities** on the Identifying Information screen, there is a requirement to provide information about that business. All fields must be completed.\n\nThe following information must be submitted:\n\n-   Business Name and Address\n-   Does this business conduct financial services related activities?\n-   Nature of Business Position, Title or Relationship with business\n-   Start Date\n-   Hours Per month\n-   Duties\n\n**Parent topic:**Chapter V—NMLS Individual License Form \\(MU4\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch5_MU4_otherBusiness.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch5_MU4_otherBusiness.md",
      "headings": [
        "Other Business {#nmlsPG_otherBusiness_0 .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch5_MU4_otherBusiness.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch5_MU4_otherNames.md:chunk-0",
      "title": "Other Names\\* {#nmlsPG_otherNames_0 .concept}",
      "content": "# Other Names\\* \n\nIndividuals are required to provide any names other than their legal name used since the age of 18. Examples include nicknames, aliases, initials, names used on business cards or advertisements, and names used before or after marriage.\n\nMake sure that all names used in business practices are included such as those listed on business cards.\n\nThe information provided in this section is used to enhance the searchable data available on NMLS Consumer Access, as well as to verify information on credit reports, criminal background checks and for general compliance purposes.\n\n**Parent topic:**Chapter V—NMLS Individual License Form \\(MU4\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch5_MU4_otherNames.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch5_MU4_otherNames.md",
      "headings": [
        "Other Names\\* {#nmlsPG_otherNames_0 .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch5_MU4_otherNames.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch5_MU4_residentialHistory.md:chunk-0",
      "title": "Residential History {#nmlsPG_residentialHistory_0 .concept}",
      "content": "# Residential History \n\nApplicants or licensees must list all addresses where they have resided during the past 10 years. No gaps are allowed.\n\nOnly the month and year are necessary to be provided in this section.\n\n**Note:** The address at age 18 can be used for any period before that date to reach a 10-year residential history.\n\n## Servicemember or Veteran \\(Optional Field\\) \n\n**Terminology Used for this Field**\nActive Duty\n:   The term active duty means full-time duty in the active military service of the United States. Such term includes full-time training duty, annual training duty, and attendance, while in the active military service, at a school designated as a service school by law or by the Secretary of the military department concerned. Such term does not include full-time National Guard duty.[^1]\n\nArmed Forces\n:   The term armed forces means the Army, Navy, Air Force, Marine Corps, Space Force, and Coast Guard. [^2]\n\nServicemember\n:   The term servicemember means a member of the uniformed services, as that term is defined in *Section 101 \\(a\\)\\(5\\) of Title 10*\\(Title 10 of the USC governs the military\\).[^3]\n\nUniformed Services\n:   The term uniformed services means —\n\n    -   \\(A\\) the armed forces;\n    -   \\(B\\) the commissioned corps of the National Oceanic and Atmospheric Administration; and\n    -   \\(C\\) the commissioned corps of the Public Health Service.[^4]\n\nThis field is optional and is provided in connection with the “Portability of Professional Licenses of Servicemembers and their Spouses” amendment to the Servicemembers Civil Relief Act \\(SCRA\\)[^5] and is provided to aid regulators in the implementation of the federal law.\n\nIf applicable, individuals will be able to identify themselves as one of the following:\n\n-   Active Duty Servicemember\n-   Spouse of Active Duty Servicemember\n-   Veteran\n\nDocuments required as proof of an individual’s military service and/or transfer orders must be uploaded as Servicemember documentation.\n\n**Note:** Many s",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch5_MU4_residentialHistory.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch5_MU4_residentialHistory.md",
      "headings": [
        "Residential History {#nmlsPG_residentialHistory_0 .concept}",
        "Servicemember or Veteran \\(Optional Field\\) {#section_sjq_djf_rgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch5_MU4_residentialHistory.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch5_MU4_residentialHistory.md:chunk-1",
      "title": "Residential History {#nmlsPG_residentialHistory_0 .concept}",
      "content": "ouse of Active Duty Servicemember\n-   Veteran\n\nDocuments required as proof of an individual’s military service and/or transfer orders must be uploaded as Servicemember documentation.\n\n**Note:** Many states have implemented statutes or regulations to meet the requirements of the SCRA. Some states have additional licensing requirements for current or former military members. Individuals should consult state licensing requirements checklists or with their state regulator.\n\n**Parent topic:**Completing Residential and Employment History\n\n[^1]: **10 USC 101\\(d\\)\\(1\\)**\n[^2]: **10 USC 101 \\(a\\)\\(4\\)**\n[^3]: **50 USC 3911\\(1\\)**\n[^4]: **50 USC 3911\\(5\\)**\n[^5]: **50 USC 50**",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch5_MU4_residentialHistory.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch5_MU4_residentialHistory.md",
      "headings": [
        "Residential History {#nmlsPG_residentialHistory_0 .concept}",
        "Servicemember or Veteran \\(Optional Field\\) {#section_sjq_djf_rgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch5_MU4_residentialHistory.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch5_mu4_documentUploads.md:chunk-0",
      "title": "Document Library {#nmlsPG_documentUploads_2 .concept}",
      "content": "# Document Library \n\nIndividuals can upload and submit PDF documents to regulators. Documents uploaded will appear in the Document Library.\n\nDocument Upload Descriptions and Examples details the types of documents that can be uploaded in connection with an individual record. Only documents that are available for selection can be provided through NMLS; all other documentation required by a state regulator must be submitted outside NMLS. For more information, refer to the State Licensing Checklist Compiler.\n\nOnly the applicable document for the **Document Type** selected can be uploaded in NMLS \\(e.g., when selecting to upload a business plan, only a business plan document related to the company should be provided\\).\n\n## Historical Filings \n\nThe View Historical Filings section contains a copy of the Individual \\(MU4\\) Form submitted by the individual. A complete listing of all Individual \\(MU2 and MU4\\) filings can be accessed in the View Historical Filings section under the Composite View tab.\n\nThe individual filing with the most recent **System Processed** date represents an individual’s current information.\n\nUsers may view a single historical filing or multiple filings in a “compare” redline mode.\n\n## Deletion of Uploaded Documentation \n\nNMLS stores all documents that have been uploaded as a part of the record. Document can be deleted or replaced. However, the system maintains previously uploaded documents in a document type historical section on the composite view page.\n\nThe document types that can be uploaded in connection with an individual filing are determined by each state agency. Not all licenses may require or permit all the documents listed below to be uploaded.\n\nMU4 Individual Filing \\(Ability to Upload Determined by Agency\\)\n\n-   Credit Report Explanations\n-   Legal Name / Status Documentation\n-   Memorandum of Tax Certification\n-   Verification of Experience\n-   Service member or Veteran Documentation\n-   Additional Requirement\\(s\\)\n\n-   **Managing Docu",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch5_mu4_documentUploads.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch5_mu4_documentUploads.md",
      "headings": [
        "Document Library {#nmlsPG_documentUploads_2 .concept}",
        "Historical Filings {#section_gpc_zxv_rgc .section}",
        "Deletion of Uploaded Documentation {#section_hpc_zxv_rgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch5_mu4_documentUploads.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch5_mu4_documentUploads.md:chunk-1",
      "title": "Document Library {#nmlsPG_documentUploads_2 .concept}",
      "content": "   Legal Name / Status Documentation\n-   Memorandum of Tax Certification\n-   Verification of Experience\n-   Service member or Veteran Documentation\n-   Additional Requirement\\(s\\)\n\n-   **Managing Document Uploads**  \nLearn how to upload supporting documents in NMLS and ensure they are categorized and submitted correctly.\n\n**Parent topic:**Chapter V—NMLS Individual License Form \\(MU4\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch5_mu4_documentUploads.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_ch5_mu4_documentUploads.md",
      "headings": [
        "Document Library {#nmlsPG_documentUploads_2 .concept}",
        "Historical Filings {#section_gpc_zxv_rgc .section}",
        "Deletion of Uploaded Documentation {#section_hpc_zxv_rgc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_ch5_mu4_documentUploads.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_explanationOfTerms.md:chunk-0",
      "title": "Explanation of Terms {#nmlsPG_explanationOfTerms .glossgroup}",
      "content": "# Explanation of Terms \n\n## access \n\nIndicates a company’s ability to view, file, or maintain an Individual Form \\(MU2\\) or Individual Licensing Form \\(MU4\\) on behalf of an individual.\n\nIndividuals must provide a company with access to their record in order for the company to file or maintain their record, or to create a relationship or sponsorship.\n\naccess\n\n## account \n\nAn account is the vehicle through which a user accesses their record in the System.\n\n## affiliate \n\nAn organization that is under common control with the applicant.\n\naffiliate\n\n## agency fee invoice \n\nThis functionality permits state agencies to invoice current, pending,and past relevant company, branch and individual licensees for various fees through NMLS. Licensees can pay agency invoices through the current NMLS payment process.\n\nWhen an invoice is created, the System places a license item on the license that is linked to the invoice. State agency users also can modify the license item to add additional information. The license item is cleared when payment has been processed or the regulator cancels the invoice.\n\nAgency Fee Invoice \\(AFI\\)\n\n### AFI \n\n## applicant \n\nThe entity applying or amending information on this form. The only instance in which the applicant is an individual is in the case of a sole proprietorship or applying for licensure view the Individual Licensing Form \\(MU4\\).\n\n## audited financial statement \n\nA financial statement that has been audited and represents all components of a financial statement including: balance sheet, cash flow statement, and income statement.\n\n## authorized agent / delegate \n\nAn entity designated by a licensee to provide money services on behalf of the licensee. This may include company owned branch locations. This relationship is often formalized through an agreement/contract between the licensee and agent.\n\n## business activity \n\nA generic, non-legal definition of a financial services activity that reasonably describes the activity. No activity can b",
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        "Explanation of Terms {#nmlsPG_explanationOfTerms .glossgroup}",
        "access {#id_ar4_s3s_ydc}",
        "account {#id_uqn_lk4_pfc}",
        "affiliate {#id_ibz_4js_ydc}",
        "agency fee invoice {#id_lxy_qjs_ydc}",
        "AFI {#glossAlt_v21_4fd_vdc .glossAlt}",
        "applicant {#id_jnx_sjs_ydc}",
        "audited financial statement {#id_ut4_5js_ydc}",
        "authorized agent / delegate {#id_vxs_vjs_ydc}",
        "business activity {#id_lwy_wjs_ydc}",
        "Central Index Key {#id_jyp_yjs_ydc}",
        "CIK {#glossAlt_jyz_f3d_vdc .glossAlt}",
        "charged {#id_kgg_1ks_ydc}",
        "commercial purposes {#id_ugm_cks_ydc}",
        "consolidated financial statement {#id_k43_wks_ydc}",
        "consolidated schedules {#id_mbr_yks_ydc}",
        "control {#id_ixp_1ls_ydc}",
        "control affiliate {#id_erg_dls_ydc}",
        "control person {#id_w5h_3ls_ydc}",
        "disabled account {#id_or5_vl4_pfc}",
        "dormant account {#id_nw5_lm4_pfc}",
        "enjoined {#id_bj3_lls_ydc}",
        "entity {#id_dq2_rls_ydc}",
        "felony {#id_cnz_jg5_ydc}",
        "filing {#id_mv5_cn4_pfc}",
        "financial services or financial services related {#id_d4y_lg5_ydc}",
        "financial statement {#id_m3q_ng5_ydc}",
        "financial statement classification {#id_kfj_pg5_ydc}",
        "financial statement period end date {#id_yrf_tg5_ydc}",
        "financial statement period type {#id_rhs_wg5_ydc}",
        "fiscal year {#id_v1d_yg5_ydc}",
        "fiscal year end {#id_irw_zg5_ydc}",
        "financial condition {#id_dmg_bh5_ydc}",
        "FC {#glossAlt_zwc_5tf_vdc .glossAlt}",
        "foreign financial regulatory authority {#id_epz_ch5_ydc}",
        "found {#id_kkz_fh5_ydc}",
        "involved {#id_jym_hh5_ydc}",
        "jurisdiction {#id_n3n_3h5_ydc}",
        "key financial data {#id_ogj_kh5_ydc}",
        "license item {#id_kc3_vn4_pfc}",
        "misdemeanor {#id_tsy_lh5_ydc}",
        "net worth \\(owner's equity\\) {#id_esl_ph5_ydc}",
        "order {#id_kn3_rh5_ydc}",
        "person {#id_org_5h5_ydc}",
        "proceeding {#id_w14_vh5_ydc}",
        "qualifying individual {#id_ezl_yh5_ydc}",
        "record {#id_w3h_r44_pfc}",
        "relationship {#id_czt_zh5_ydc}",
        "Residential Mortgage Loan Activity Report {#id_e4y_135_ydc}",
        "RMLA {#glossAlt_wjb_djf_vdc .glossAlt}",
        "transition {#id_xks_vp4_pfc}",
        "self regulatory organization {#id_tvd_m35_ydc}",
        "SRO {#glossAlt_xph_r3f_vdc .glossAlt}",
        "settlement services {#id_bsh_n35_ydc}",
        "sponsorship {#id_wjv_vj5_ydc}",
        "state regulatory action {#id_drg_xj5_ydc}",
        "SRA {#glossAlt_mgb_dmf_vdc .glossAlt}",
        "temporary authority to operate {#id_uvy_yj5_ydc}",
        "TA {#glossAlt_ov5_3sf_vdc .glossAlt}",
        "trust account {#id_l1c_bk5_ydc}",
        "unaudited financial statement {#id_fvb_dk5_ydc}",
        "unaudited \\(compiled\\) financial statement {#id_sxb_fk5_ydc}",
        "unaudited \\(reviewed\\) financial statement {#id_vfx_3k5_ydc}",
        "unsubmitted filing {#id_eqh_lq4_pfc}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_explanationOfTerms.html",
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    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_explanationOfTerms.md:chunk-1",
      "title": "Explanation of Terms {#nmlsPG_explanationOfTerms .glossgroup}",
      "content": "an agreement/contract between the licensee and agent.\n\n## business activity \n\nA generic, non-legal definition of a financial services activity that reasonably describes the activity. No activity can be covered by more than one definition.\n\n## Central Index Key \n\nA unique identifier assigned by the SEC to companies who file disclosure documents with the SEC. This number is reported on Company 10K filings as required for publicly traded companies. Some states alternatively refer to this number as the 10K ID number. However, the 10K ID number is a filing identifier for the 10K filing and is not used to uniquely identify a Company.\n\nCentral Index Key \\(CIK\\) number\n\n### CIK \n\n## charged \n\nBeing accused of a crime in a formal complaint, information, or indictment \\(or equivalent formal charge\\).\n\n## commercial purposes \n\nAny business activity primarily engaged in for purposes other than personal, family or household.\n\n## consolidated financial statement \n\nAudited financial statements of a group \\(parent and all its subsidiaries\\) presented as those of a single entity.\n\n## consolidated schedules \n\nAudited or unaudited financial statements for a subsidiary as included in the parent company’s consolidated financial statement.\n\n## control \n\nThe power, directly or indirectly, to direct the management or policies of a company, whether through ownership of securities, by contract, or otherwise. Any *person* that\n\n-   \\(i\\) is a general partner or executive officer, including Chief Executive Officer, Chief Financial Officer, Chief Operations Officer, Chief Legal Officer, Chief Credit Officer, Chief Compliance Officer, director, and individuals occupying similar positions or performing similar functions;\n-   \\(ii\\) directly or indirectly has the right to vote 10% or more of a class of a voting security or has the power to sell or direct the sale of 10% or more of a class of voting securities;\n-   \\(iii\\) in the case of an LLC, Managing Member; or\n-   \\(iv\\) in the case of a partn",
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        "Explanation of Terms {#nmlsPG_explanationOfTerms .glossgroup}",
        "access {#id_ar4_s3s_ydc}",
        "account {#id_uqn_lk4_pfc}",
        "affiliate {#id_ibz_4js_ydc}",
        "agency fee invoice {#id_lxy_qjs_ydc}",
        "AFI {#glossAlt_v21_4fd_vdc .glossAlt}",
        "applicant {#id_jnx_sjs_ydc}",
        "audited financial statement {#id_ut4_5js_ydc}",
        "authorized agent / delegate {#id_vxs_vjs_ydc}",
        "business activity {#id_lwy_wjs_ydc}",
        "Central Index Key {#id_jyp_yjs_ydc}",
        "CIK {#glossAlt_jyz_f3d_vdc .glossAlt}",
        "charged {#id_kgg_1ks_ydc}",
        "commercial purposes {#id_ugm_cks_ydc}",
        "consolidated financial statement {#id_k43_wks_ydc}",
        "consolidated schedules {#id_mbr_yks_ydc}",
        "control {#id_ixp_1ls_ydc}",
        "control affiliate {#id_erg_dls_ydc}",
        "control person {#id_w5h_3ls_ydc}",
        "disabled account {#id_or5_vl4_pfc}",
        "dormant account {#id_nw5_lm4_pfc}",
        "enjoined {#id_bj3_lls_ydc}",
        "entity {#id_dq2_rls_ydc}",
        "felony {#id_cnz_jg5_ydc}",
        "filing {#id_mv5_cn4_pfc}",
        "financial services or financial services related {#id_d4y_lg5_ydc}",
        "financial statement {#id_m3q_ng5_ydc}",
        "financial statement classification {#id_kfj_pg5_ydc}",
        "financial statement period end date {#id_yrf_tg5_ydc}",
        "financial statement period type {#id_rhs_wg5_ydc}",
        "fiscal year {#id_v1d_yg5_ydc}",
        "fiscal year end {#id_irw_zg5_ydc}",
        "financial condition {#id_dmg_bh5_ydc}",
        "FC {#glossAlt_zwc_5tf_vdc .glossAlt}",
        "foreign financial regulatory authority {#id_epz_ch5_ydc}",
        "found {#id_kkz_fh5_ydc}",
        "involved {#id_jym_hh5_ydc}",
        "jurisdiction {#id_n3n_3h5_ydc}",
        "key financial data {#id_ogj_kh5_ydc}",
        "license item {#id_kc3_vn4_pfc}",
        "misdemeanor {#id_tsy_lh5_ydc}",
        "net worth \\(owner's equity\\) {#id_esl_ph5_ydc}",
        "order {#id_kn3_rh5_ydc}",
        "person {#id_org_5h5_ydc}",
        "proceeding {#id_w14_vh5_ydc}",
        "qualifying individual {#id_ezl_yh5_ydc}",
        "record {#id_w3h_r44_pfc}",
        "relationship {#id_czt_zh5_ydc}",
        "Residential Mortgage Loan Activity Report {#id_e4y_135_ydc}",
        "RMLA {#glossAlt_wjb_djf_vdc .glossAlt}",
        "transition {#id_xks_vp4_pfc}",
        "self regulatory organization {#id_tvd_m35_ydc}",
        "SRO {#glossAlt_xph_r3f_vdc .glossAlt}",
        "settlement services {#id_bsh_n35_ydc}",
        "sponsorship {#id_wjv_vj5_ydc}",
        "state regulatory action {#id_drg_xj5_ydc}",
        "SRA {#glossAlt_mgb_dmf_vdc .glossAlt}",
        "temporary authority to operate {#id_uvy_yj5_ydc}",
        "TA {#glossAlt_ov5_3sf_vdc .glossAlt}",
        "trust account {#id_l1c_bk5_ydc}",
        "unaudited financial statement {#id_fvb_dk5_ydc}",
        "unaudited \\(compiled\\) financial statement {#id_sxb_fk5_ydc}",
        "unaudited \\(reviewed\\) financial statement {#id_vfx_3k5_ydc}",
        "unsubmitted filing {#id_eqh_lq4_pfc}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_explanationOfTerms.html",
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    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_explanationOfTerms.md:chunk-2",
      "title": "Explanation of Terms {#nmlsPG_explanationOfTerms .glossgroup}",
      "content": "f a voting security or has the power to sell or direct the sale of 10% or more of a class of voting securities;\n-   \\(iii\\) in the case of an LLC, Managing Member; or\n-   \\(iv\\) in the case of a partnership, has the right to receive upon dissolution, or has contributed, 10% or more of the capital, is presumed to control that company.\n\n## control affiliate \n\nA partnership, corporation, trust, LLC, or other organization that directly or indirectly *controls*, or is *controlled* by, the applicant.\n\nThis includes companies that are “up or down the ownership ladder.” In effect, this requires applicants to only disclose for relationships that go up \\(parent and grandparent\\) or those that go down \\(subsidiary\\) but not for those relationships that go sideways \\(brother and sister\\).\n\nAn applicant or licensee must disclose for companies that “go up” the ownership “ladder” until reaching the last individual owner, a publicly-traded entity, or a bank or bank holding company regulated by a Federal banking regulator, such as the Federal Reserve, the Office of the Comptroller of the Currency \\(OCC\\), the Consumer Financial Protection Bureau \\(CFPB\\) the Federal Deposit Insurance Company \\(FDIC\\), or the National Credit Union Association \\(NCUA\\). No barrier going down the “ladder.”\n\n## control person \n\nAn individual \\(natural person\\) named that directly or indirectly exercises control over the applicant\\(see definition of control\\)\n\n## disabled account \n\n-   An individual account associated with a record that has not been accessed by the individual user within 425 days.\n-   A company account administrator or organization user account that has not been accessed for 425 days\n-   An institution account administrator account that has not been accessed for 90 days\n-   An institution organizational user account where the user has CHRI access that has not been accessed for 90 days\n-   An institution organizational user account where the user has no CHRI access that has not been acces",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_explanationOfTerms.md",
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        "Explanation of Terms {#nmlsPG_explanationOfTerms .glossgroup}",
        "access {#id_ar4_s3s_ydc}",
        "account {#id_uqn_lk4_pfc}",
        "affiliate {#id_ibz_4js_ydc}",
        "agency fee invoice {#id_lxy_qjs_ydc}",
        "AFI {#glossAlt_v21_4fd_vdc .glossAlt}",
        "applicant {#id_jnx_sjs_ydc}",
        "audited financial statement {#id_ut4_5js_ydc}",
        "authorized agent / delegate {#id_vxs_vjs_ydc}",
        "business activity {#id_lwy_wjs_ydc}",
        "Central Index Key {#id_jyp_yjs_ydc}",
        "CIK {#glossAlt_jyz_f3d_vdc .glossAlt}",
        "charged {#id_kgg_1ks_ydc}",
        "commercial purposes {#id_ugm_cks_ydc}",
        "consolidated financial statement {#id_k43_wks_ydc}",
        "consolidated schedules {#id_mbr_yks_ydc}",
        "control {#id_ixp_1ls_ydc}",
        "control affiliate {#id_erg_dls_ydc}",
        "control person {#id_w5h_3ls_ydc}",
        "disabled account {#id_or5_vl4_pfc}",
        "dormant account {#id_nw5_lm4_pfc}",
        "enjoined {#id_bj3_lls_ydc}",
        "entity {#id_dq2_rls_ydc}",
        "felony {#id_cnz_jg5_ydc}",
        "filing {#id_mv5_cn4_pfc}",
        "financial services or financial services related {#id_d4y_lg5_ydc}",
        "financial statement {#id_m3q_ng5_ydc}",
        "financial statement classification {#id_kfj_pg5_ydc}",
        "financial statement period end date {#id_yrf_tg5_ydc}",
        "financial statement period type {#id_rhs_wg5_ydc}",
        "fiscal year {#id_v1d_yg5_ydc}",
        "fiscal year end {#id_irw_zg5_ydc}",
        "financial condition {#id_dmg_bh5_ydc}",
        "FC {#glossAlt_zwc_5tf_vdc .glossAlt}",
        "foreign financial regulatory authority {#id_epz_ch5_ydc}",
        "found {#id_kkz_fh5_ydc}",
        "involved {#id_jym_hh5_ydc}",
        "jurisdiction {#id_n3n_3h5_ydc}",
        "key financial data {#id_ogj_kh5_ydc}",
        "license item {#id_kc3_vn4_pfc}",
        "misdemeanor {#id_tsy_lh5_ydc}",
        "net worth \\(owner's equity\\) {#id_esl_ph5_ydc}",
        "order {#id_kn3_rh5_ydc}",
        "person {#id_org_5h5_ydc}",
        "proceeding {#id_w14_vh5_ydc}",
        "qualifying individual {#id_ezl_yh5_ydc}",
        "record {#id_w3h_r44_pfc}",
        "relationship {#id_czt_zh5_ydc}",
        "Residential Mortgage Loan Activity Report {#id_e4y_135_ydc}",
        "RMLA {#glossAlt_wjb_djf_vdc .glossAlt}",
        "transition {#id_xks_vp4_pfc}",
        "self regulatory organization {#id_tvd_m35_ydc}",
        "SRO {#glossAlt_xph_r3f_vdc .glossAlt}",
        "settlement services {#id_bsh_n35_ydc}",
        "sponsorship {#id_wjv_vj5_ydc}",
        "state regulatory action {#id_drg_xj5_ydc}",
        "SRA {#glossAlt_mgb_dmf_vdc .glossAlt}",
        "temporary authority to operate {#id_uvy_yj5_ydc}",
        "TA {#glossAlt_ov5_3sf_vdc .glossAlt}",
        "trust account {#id_l1c_bk5_ydc}",
        "unaudited financial statement {#id_fvb_dk5_ydc}",
        "unaudited \\(compiled\\) financial statement {#id_sxb_fk5_ydc}",
        "unaudited \\(reviewed\\) financial statement {#id_vfx_3k5_ydc}",
        "unsubmitted filing {#id_eqh_lq4_pfc}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_explanationOfTerms.html",
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    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_explanationOfTerms.md:chunk-3",
      "title": "Explanation of Terms {#nmlsPG_explanationOfTerms .glossgroup}",
      "content": "ganizational user account where the user has CHRI access that has not been accessed for 90 days\n-   An institution organizational user account where the user has no CHRI access that has not been accessed for 425 days\n    -   If a user account is disabled, the System will prompt the user to provide identifying information before access to the account is granted.\n    -   Company accounts can be disabled if the company has not logged in to the account for 120 days or if fraud or suspicious activity on the account is detected.\n\n## dormant account \n\nCompany accounts do not go dormant.\n\nAn individual account associated with a record that contains no data such as testing and education results, regulatory actions or submitted licensure applications on the record.\n\n## enjoined \n\nIncludes being subject to a mandatory injunction, prohibitory injunction, preliminary injunction, or a temporary restraining order.\n\n## entity \n\nA company, branch, or an individual with a record in the system.\n\n## felony \n\nFor states that do not differentiate between a felony and a misdemeanor, a felony is an offense punishable by a sentence of at least one year imprisonment and/or a fine of at least $1,000.The term also includes a general court martial. If your state already differentiates, use your state’s definition and label.\n\nAn individual on probation would still be required to disclose. Consult state licensing requirements to determine whether an individual on probation for a felony is eligible for licensure in your state.\n\n## filing \n\nThe process by which a company or individual completes and submits the appropriate form—such as the Company form \\(MU1\\), Individual form \\(MU2 or MU4\\), or Branch form \\(MU3\\)—to apply for, transition, or surrender a license, or to update information in their record. The term may also encompass the submission of financial statements or call reports within the System.\n\n## financial services or financial services related \n\nPertaining to securities, commodities, b",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_explanationOfTerms.md",
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        "applicant {#id_jnx_sjs_ydc}",
        "audited financial statement {#id_ut4_5js_ydc}",
        "authorized agent / delegate {#id_vxs_vjs_ydc}",
        "business activity {#id_lwy_wjs_ydc}",
        "Central Index Key {#id_jyp_yjs_ydc}",
        "CIK {#glossAlt_jyz_f3d_vdc .glossAlt}",
        "charged {#id_kgg_1ks_ydc}",
        "commercial purposes {#id_ugm_cks_ydc}",
        "consolidated financial statement {#id_k43_wks_ydc}",
        "consolidated schedules {#id_mbr_yks_ydc}",
        "control {#id_ixp_1ls_ydc}",
        "control affiliate {#id_erg_dls_ydc}",
        "control person {#id_w5h_3ls_ydc}",
        "disabled account {#id_or5_vl4_pfc}",
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        "enjoined {#id_bj3_lls_ydc}",
        "entity {#id_dq2_rls_ydc}",
        "felony {#id_cnz_jg5_ydc}",
        "filing {#id_mv5_cn4_pfc}",
        "financial services or financial services related {#id_d4y_lg5_ydc}",
        "financial statement {#id_m3q_ng5_ydc}",
        "financial statement classification {#id_kfj_pg5_ydc}",
        "financial statement period end date {#id_yrf_tg5_ydc}",
        "financial statement period type {#id_rhs_wg5_ydc}",
        "fiscal year {#id_v1d_yg5_ydc}",
        "fiscal year end {#id_irw_zg5_ydc}",
        "financial condition {#id_dmg_bh5_ydc}",
        "FC {#glossAlt_zwc_5tf_vdc .glossAlt}",
        "foreign financial regulatory authority {#id_epz_ch5_ydc}",
        "found {#id_kkz_fh5_ydc}",
        "involved {#id_jym_hh5_ydc}",
        "jurisdiction {#id_n3n_3h5_ydc}",
        "key financial data {#id_ogj_kh5_ydc}",
        "license item {#id_kc3_vn4_pfc}",
        "misdemeanor {#id_tsy_lh5_ydc}",
        "net worth \\(owner's equity\\) {#id_esl_ph5_ydc}",
        "order {#id_kn3_rh5_ydc}",
        "person {#id_org_5h5_ydc}",
        "proceeding {#id_w14_vh5_ydc}",
        "qualifying individual {#id_ezl_yh5_ydc}",
        "record {#id_w3h_r44_pfc}",
        "relationship {#id_czt_zh5_ydc}",
        "Residential Mortgage Loan Activity Report {#id_e4y_135_ydc}",
        "RMLA {#glossAlt_wjb_djf_vdc .glossAlt}",
        "transition {#id_xks_vp4_pfc}",
        "self regulatory organization {#id_tvd_m35_ydc}",
        "SRO {#glossAlt_xph_r3f_vdc .glossAlt}",
        "settlement services {#id_bsh_n35_ydc}",
        "sponsorship {#id_wjv_vj5_ydc}",
        "state regulatory action {#id_drg_xj5_ydc}",
        "SRA {#glossAlt_mgb_dmf_vdc .glossAlt}",
        "temporary authority to operate {#id_uvy_yj5_ydc}",
        "TA {#glossAlt_ov5_3sf_vdc .glossAlt}",
        "trust account {#id_l1c_bk5_ydc}",
        "unaudited financial statement {#id_fvb_dk5_ydc}",
        "unaudited \\(compiled\\) financial statement {#id_sxb_fk5_ydc}",
        "unaudited \\(reviewed\\) financial statement {#id_vfx_3k5_ydc}",
        "unsubmitted filing {#id_eqh_lq4_pfc}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_explanationOfTerms.html",
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      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_explanationOfTerms.md:chunk-4",
      "title": "Explanation of Terms {#nmlsPG_explanationOfTerms .glossgroup}",
      "content": "d. The term may also encompass the submission of financial statements or call reports within the System.\n\n## financial services or financial services related \n\nPertaining to securities, commodities, banking, insurance, consumer lending, consumer financial product\\(s\\) or service\\(s\\), money services businesses, consumer debt management or real estate \\(including, but not limited to; acting as or being associated with a bank or savings association, credit union, Farm Credit System institution, mortgage lender, mortgage broker, real estate salesperson or agent, appraiser, closing agent, title company, escrow agent\\) payday lender, money transmitter, check casher, pawnbroker, collection agent, debt management company or title lender.\n\n## financial statement \n\nThe generic reference to a financial statement, either audited or unaudited. The financial statement may contain one or more component: balance sheet, cash- flow statement, statement of income, etc.\n\n## financial statement classification \n\nThe type of financial statement required by a state regarding one of the following designations \\(**shown in highest to lowest ranking stringency as they appear in the system**\\):\n\n-   Audited\n-   Unaudited \\(reviewed\\)\n-   Unaudited \\(compiled\\)\n-   Unaudited\n\n## financial statement period end date \n\nThe period end date that corresponds to the Financial Statement Filing. This date should correspond to the classification of the financial statement and the Fiscal Year End of the Company.\n\n## financial statement period type \n\nRepresents the period to which the Financial Statement Filing pertains relative to the Fiscal Year \\(e.g. annual, quarterly or year-to-date\\). The Period Type qualifies the Financial Statement Filing in conjunction with the Fiscal Year.\n\n## fiscal year \n\nAny 12-month period a company uses for accounting purposes.\n\n## fiscal year end \n\nThe last day of a 12-month accounting period.\n\n## financial condition \n\nThe component of an MCR which gathers the filing entit",
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      "title": "Explanation of Terms {#nmlsPG_explanationOfTerms .glossgroup}",
      "content": "onth period a company uses for accounting purposes.\n\n## fiscal year end \n\nThe last day of a 12-month accounting period.\n\n## financial condition \n\nThe component of an MCR which gathers the filing entity’s financial data at a corporate level. The FC may be Expanded \\(E-FC\\) or Standard \\(S-FC\\).\n\nFinancial Condition \\(FC\\)\n\n### FC \n\n## foreign financial regulatory authority \n\nIncludes \\(1\\) a *financial services* authority of a foreign country; \\(2\\) other governmental body empowered by a foreign government to administer or enforce its laws relating to the regulation of financial services or financial services related activities; and \\(3\\) a foreign membership organization, a function of which is to regulate the participation of its members in *financial services* activities listed above.\n\n## found \n\nIncludes:\n\n-   adverse final actions\n-   consent decrees / orders in which the respondent has neither admitted nor denied the findings\n\nDoes not include:\n\n-   agreements\n-   late fees\n-   deficiency letters\n-   examination reports\n-   memoranda of understanding\n-   letters of caution\n-   admonishments, or\n-   similar informal resolutions of matters.\n\n“Settlement” often falls under the “included” category like consent decrees and final actions. However,in jurisdictions that use “settlement” to be synonymous with “agreement” such settlements would fall under the “not included” batch with other agreements. One possibility that may be relevant in determining where a “settlement” fits in your jurisdiction is to the determination of whether it is a public record or not. In this analysis, if it is a public record then it should be included and if it is not a public record, it should not be included.\n\n## involved \n\nIn connection with the Disclosure Questions, the term involved means, doing an act or omission or aiding, abetting, counseling, commanding, inducing, conspiring with, or failing to reasonably supervise another in doing an act or omission.\n\n## jurisdiction \n\nA state, th",
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        "unaudited financial statement {#id_fvb_dk5_ydc}",
        "unaudited \\(compiled\\) financial statement {#id_sxb_fk5_ydc}",
        "unaudited \\(reviewed\\) financial statement {#id_vfx_3k5_ydc}",
        "unsubmitted filing {#id_eqh_lq4_pfc}"
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      "title": "Explanation of Terms {#nmlsPG_explanationOfTerms .glossgroup}",
      "content": " doing an act or omission or aiding, abetting, counseling, commanding, inducing, conspiring with, or failing to reasonably supervise another in doing an act or omission.\n\n## jurisdiction \n\nA state, the District of Columbia, the Commonwealth of Puerto Rico, or any subdivision or regulatory body thereof.\n\n## key financial data \n\nNumeric values of Assets, Liabilities, and Owners’ Equity to be entered into the system by the company in conjunction with submitting a Financial Statement filing that is classified as an Annual / Initial statement.\n\n## license item \n\nCreated by a regulator to denote a deficiency in a filing or a jurisdictional requirement. A license item may be generated by the System to enforce System-set requirements.\n\n## misdemeanor \n\nFor states that do not differentiate between a felony and a misdemeanor, a misdemeanor is an offense punishable by a sentence of less than one year imprisonment and/or a fine of less than $1,000. The term also includes a special court martial. If your state already differentiates, use your state’s definition and label. \\(Also see felony.\\)\n\nCompany Form \\(MU1\\) Disclosure question \\(B\\)\\(1\\) is limited to “a misdemeanor involving: financial services or financial services related or any fraud, false statements or omissions, theft or any wrongful taking of property, bribery, perjury, forgery, counterfeiting, extortion, or a conspiracy to commit any of these offenses\n\nFor purposes of disclosure questions in NMLS omit irrelevant misdemeanors, including, but not limited to, traffic violations, non-fraud related violations, etc.\n\n## net worth \\(owner's equity\\) \n\nThe amount by which assets exceed liabilities calculated according to Generally Accepted Accounting Principles \\(GAAP\\).\n\n## order \n\nA written directive issued pursuant to statutory authority and procedures, including orders of denial, suspension, or revocation; does not include special stipulations, undertakings or agreements relating to payments, limitations on activity,",
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        "unsubmitted filing {#id_eqh_lq4_pfc}"
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      "title": "Explanation of Terms {#nmlsPG_explanationOfTerms .glossgroup}",
      "content": "tutory authority and procedures, including orders of denial, suspension, or revocation; does not include special stipulations, undertakings or agreements relating to payments, limitations on activity, or other restrictions unless they are included in an order.\n\nOrders include temporary and permanent Cease and Desist Orders.\n\nOrders that must be disclosed are limited in Disclosure Question \\(C\\)\\(4\\) to orders directed to applicant or control affiliate. See definitions of control affiliate to understand the extent of required disclosures in this regard.\n\n## person \n\nAn individual, partnership, corporation, trust, LLC or other organization.\n\n## proceeding \n\nIncludes a formal administrative or civil action initiated by a governmental agency, self-regulatory organization, or a foreign financial regulatory authority; a felony criminal indictment or information \\(or equivalent formal charge\\); or a misdemeanor criminal information \\(or equivalent formal charge\\). The term does not include other civil litigation, investigations, or arrests or similar charges affected in the absence of a formal criminal indictment or information \\(or equivalent formal charge\\).\n\n## qualifying individual \n\nA person that must meet certain requirements and is responsible for the actions of the company. Different terms are used in different states, such as Qualified Person in Charge or Managing Principal. The individual may be the branch manager in some cases if they meet the state’s requirements.\n\n## record \n\nEach company, branch and individual have a unique record in the System. A record is completed by submitting the information shown on the Company Form \\(MU1\\), Individual Form \\(MU2\\), Branch Form \\(MU3\\), or Individual Licensing Form \\(MU4\\), and any accompanying documents. A record may include supervisory information, including documents or other items collected during an examination, investigation or consumer complaint handling.\n\n## relationship \n\nA company’s indication that the individ",
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      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_explanationOfTerms.md:chunk-8",
      "title": "Explanation of Terms {#nmlsPG_explanationOfTerms .glossgroup}",
      "content": "de supervisory information, including documents or other items collected during an examination, investigation or consumer complaint handling.\n\n## relationship \n\nA company’s indication that the individual being employed by the company or having a contract to work for the company. It represents the relationship between the company and the individual and does not require approval by any regulator.\n\n## Residential Mortgage Loan Activity Report \n\nThe component of an MCR which gathers the filing entity’s information at a state level, except for the Lines of Credit information which is collected at a company level. The RMLA may be expanded \\(E-RMLA\\) or standard \\(S-RMLA\\).\n\nResidential Mortgage Loan Activity Report \\(RMLA\\)\n\n### RMLA \n\n## transition \n\nThe submission of a license request by an existing licensee, whose license is being managed outside NMLS, is being transferred to NMLS by the state regulator.\n\n## self regulatory organization \n\nNon-governmental organization that has the authority or power to create and enforce industry regulations and standards.\n\nSelf Regulatory Organization \\(SRO\\)\n\n### SRO \n\n## settlement services \n\nThe same as defined in the federal **Real Estate Settlement Procedures Act \\(RESPA\\)** 12 U.S.C Sec. 2601 et seq., Regulation X, 24 C.F.R Part 3500 et seq including:\n\n-   Title searches\n-   Title examinations\n-   The provision of title certificates\n-   Title insurance\n-   Services rendered by an attorney\n-   Preparation of documents\n-   Property surveys\n-   The rendering of credit reports or appraisals\n-   Pest and fungus inspections\n    -   Services rendered by a real estate agent or broker\n    -   The origination of a federally related mortgage loan \\(including, but not limited to, the taking of loan applications, loan processing, and the underwriting and funding of loans\\)\n    -   The handling of the processing and closing or settlement.\n\n## sponsorship \n\nA company’s indication that the individual will conduct business under a specific licen",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_explanationOfTerms.md",
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      "headings": [
        "Explanation of Terms {#nmlsPG_explanationOfTerms .glossgroup}",
        "access {#id_ar4_s3s_ydc}",
        "account {#id_uqn_lk4_pfc}",
        "affiliate {#id_ibz_4js_ydc}",
        "agency fee invoice {#id_lxy_qjs_ydc}",
        "AFI {#glossAlt_v21_4fd_vdc .glossAlt}",
        "applicant {#id_jnx_sjs_ydc}",
        "audited financial statement {#id_ut4_5js_ydc}",
        "authorized agent / delegate {#id_vxs_vjs_ydc}",
        "business activity {#id_lwy_wjs_ydc}",
        "Central Index Key {#id_jyp_yjs_ydc}",
        "CIK {#glossAlt_jyz_f3d_vdc .glossAlt}",
        "charged {#id_kgg_1ks_ydc}",
        "commercial purposes {#id_ugm_cks_ydc}",
        "consolidated financial statement {#id_k43_wks_ydc}",
        "consolidated schedules {#id_mbr_yks_ydc}",
        "control {#id_ixp_1ls_ydc}",
        "control affiliate {#id_erg_dls_ydc}",
        "control person {#id_w5h_3ls_ydc}",
        "disabled account {#id_or5_vl4_pfc}",
        "dormant account {#id_nw5_lm4_pfc}",
        "enjoined {#id_bj3_lls_ydc}",
        "entity {#id_dq2_rls_ydc}",
        "felony {#id_cnz_jg5_ydc}",
        "filing {#id_mv5_cn4_pfc}",
        "financial services or financial services related {#id_d4y_lg5_ydc}",
        "financial statement {#id_m3q_ng5_ydc}",
        "financial statement classification {#id_kfj_pg5_ydc}",
        "financial statement period end date {#id_yrf_tg5_ydc}",
        "financial statement period type {#id_rhs_wg5_ydc}",
        "fiscal year {#id_v1d_yg5_ydc}",
        "fiscal year end {#id_irw_zg5_ydc}",
        "financial condition {#id_dmg_bh5_ydc}",
        "FC {#glossAlt_zwc_5tf_vdc .glossAlt}",
        "foreign financial regulatory authority {#id_epz_ch5_ydc}",
        "found {#id_kkz_fh5_ydc}",
        "involved {#id_jym_hh5_ydc}",
        "jurisdiction {#id_n3n_3h5_ydc}",
        "key financial data {#id_ogj_kh5_ydc}",
        "license item {#id_kc3_vn4_pfc}",
        "misdemeanor {#id_tsy_lh5_ydc}",
        "net worth \\(owner's equity\\) {#id_esl_ph5_ydc}",
        "order {#id_kn3_rh5_ydc}",
        "person {#id_org_5h5_ydc}",
        "proceeding {#id_w14_vh5_ydc}",
        "qualifying individual {#id_ezl_yh5_ydc}",
        "record {#id_w3h_r44_pfc}",
        "relationship {#id_czt_zh5_ydc}",
        "Residential Mortgage Loan Activity Report {#id_e4y_135_ydc}",
        "RMLA {#glossAlt_wjb_djf_vdc .glossAlt}",
        "transition {#id_xks_vp4_pfc}",
        "self regulatory organization {#id_tvd_m35_ydc}",
        "SRO {#glossAlt_xph_r3f_vdc .glossAlt}",
        "settlement services {#id_bsh_n35_ydc}",
        "sponsorship {#id_wjv_vj5_ydc}",
        "state regulatory action {#id_drg_xj5_ydc}",
        "SRA {#glossAlt_mgb_dmf_vdc .glossAlt}",
        "temporary authority to operate {#id_uvy_yj5_ydc}",
        "TA {#glossAlt_ov5_3sf_vdc .glossAlt}",
        "trust account {#id_l1c_bk5_ydc}",
        "unaudited financial statement {#id_fvb_dk5_ydc}",
        "unaudited \\(compiled\\) financial statement {#id_sxb_fk5_ydc}",
        "unaudited \\(reviewed\\) financial statement {#id_vfx_3k5_ydc}",
        "unsubmitted filing {#id_eqh_lq4_pfc}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_explanationOfTerms.html",
      "snippet": null
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    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_explanationOfTerms.md:chunk-9",
      "title": "Explanation of Terms {#nmlsPG_explanationOfTerms .glossgroup}",
      "content": "iting and funding of loans\\)\n    -   The handling of the processing and closing or settlement.\n\n## sponsorship \n\nA company’s indication that the individual will conduct business under a specific license / registration for the company. Only a company user may request sponsorship of the individual’s license\\(s\\) and the company must already have an established relationship with the individual in the system. License sponsorship must be approved by the regulator.\n\n## state regulatory action \n\nAn action that includes public disciplinary and enforcement regulatory actions brought against a Company, Individual and posted by a state regulator in NMLS.\n\nState Regulatory Action \\(SRA\\)\n\n### SRA \n\n## temporary authority to operate \n\nTemporary Authority to act as a loan originator permits:\n\n-   1\\) qualified MLOs who are changing employment from a depository institution to a state-licensed mortgage company, and\n-   2\\) qualified state-licensed MLOs seeking licensure in another state, to originate loans while completing any state-specific requirements for licensure such as education or testing.\n\nTemporary Authority to Operate \\(TA\\)\n\n### TA \n\n## trust account \n\nA fiduciary arrangement whereby funds or assets are held for the benefit of another party.\n\n## unaudited financial statement \n\nOne or more components of a financial statement \\(balance sheet, cash flow statement, income statement\\) that has not been audited.\n\n## unaudited \\(compiled\\) financial statement \n\nAn unaudited financial statement for which the financial data has been assembled by a CPA or equivalent but not reviewed for accuracy.\n\n## unaudited \\(reviewed\\) financial statement \n\nAn unaudited financial statement for which the financial data has been reviewed for accuracy by a CPA or equivalent.\n\n## unsubmitted filing \n\nA filing that is in a pending status because an individual or company user has not submitted the application or new information to a state agency through the System.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_explanationOfTerms.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_explanationOfTerms.md",
      "headings": [
        "Explanation of Terms {#nmlsPG_explanationOfTerms .glossgroup}",
        "access {#id_ar4_s3s_ydc}",
        "account {#id_uqn_lk4_pfc}",
        "affiliate {#id_ibz_4js_ydc}",
        "agency fee invoice {#id_lxy_qjs_ydc}",
        "AFI {#glossAlt_v21_4fd_vdc .glossAlt}",
        "applicant {#id_jnx_sjs_ydc}",
        "audited financial statement {#id_ut4_5js_ydc}",
        "authorized agent / delegate {#id_vxs_vjs_ydc}",
        "business activity {#id_lwy_wjs_ydc}",
        "Central Index Key {#id_jyp_yjs_ydc}",
        "CIK {#glossAlt_jyz_f3d_vdc .glossAlt}",
        "charged {#id_kgg_1ks_ydc}",
        "commercial purposes {#id_ugm_cks_ydc}",
        "consolidated financial statement {#id_k43_wks_ydc}",
        "consolidated schedules {#id_mbr_yks_ydc}",
        "control {#id_ixp_1ls_ydc}",
        "control affiliate {#id_erg_dls_ydc}",
        "control person {#id_w5h_3ls_ydc}",
        "disabled account {#id_or5_vl4_pfc}",
        "dormant account {#id_nw5_lm4_pfc}",
        "enjoined {#id_bj3_lls_ydc}",
        "entity {#id_dq2_rls_ydc}",
        "felony {#id_cnz_jg5_ydc}",
        "filing {#id_mv5_cn4_pfc}",
        "financial services or financial services related {#id_d4y_lg5_ydc}",
        "financial statement {#id_m3q_ng5_ydc}",
        "financial statement classification {#id_kfj_pg5_ydc}",
        "financial statement period end date {#id_yrf_tg5_ydc}",
        "financial statement period type {#id_rhs_wg5_ydc}",
        "fiscal year {#id_v1d_yg5_ydc}",
        "fiscal year end {#id_irw_zg5_ydc}",
        "financial condition {#id_dmg_bh5_ydc}",
        "FC {#glossAlt_zwc_5tf_vdc .glossAlt}",
        "foreign financial regulatory authority {#id_epz_ch5_ydc}",
        "found {#id_kkz_fh5_ydc}",
        "involved {#id_jym_hh5_ydc}",
        "jurisdiction {#id_n3n_3h5_ydc}",
        "key financial data {#id_ogj_kh5_ydc}",
        "license item {#id_kc3_vn4_pfc}",
        "misdemeanor {#id_tsy_lh5_ydc}",
        "net worth \\(owner's equity\\) {#id_esl_ph5_ydc}",
        "order {#id_kn3_rh5_ydc}",
        "person {#id_org_5h5_ydc}",
        "proceeding {#id_w14_vh5_ydc}",
        "qualifying individual {#id_ezl_yh5_ydc}",
        "record {#id_w3h_r44_pfc}",
        "relationship {#id_czt_zh5_ydc}",
        "Residential Mortgage Loan Activity Report {#id_e4y_135_ydc}",
        "RMLA {#glossAlt_wjb_djf_vdc .glossAlt}",
        "transition {#id_xks_vp4_pfc}",
        "self regulatory organization {#id_tvd_m35_ydc}",
        "SRO {#glossAlt_xph_r3f_vdc .glossAlt}",
        "settlement services {#id_bsh_n35_ydc}",
        "sponsorship {#id_wjv_vj5_ydc}",
        "state regulatory action {#id_drg_xj5_ydc}",
        "SRA {#glossAlt_mgb_dmf_vdc .glossAlt}",
        "temporary authority to operate {#id_uvy_yj5_ydc}",
        "TA {#glossAlt_ov5_3sf_vdc .glossAlt}",
        "trust account {#id_l1c_bk5_ydc}",
        "unaudited financial statement {#id_fvb_dk5_ydc}",
        "unaudited \\(compiled\\) financial statement {#id_sxb_fk5_ydc}",
        "unaudited \\(reviewed\\) financial statement {#id_vfx_3k5_ydc}",
        "unsubmitted filing {#id_eqh_lq4_pfc}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_explanationOfTerms.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_explanationOfTerms.md:chunk-10",
      "title": "Explanation of Terms {#nmlsPG_explanationOfTerms .glossgroup}",
      "content": "\nA filing that is in a pending status because an individual or company user has not submitted the application or new information to a state agency through the System.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_explanationOfTerms.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_explanationOfTerms.md",
      "headings": [
        "Explanation of Terms {#nmlsPG_explanationOfTerms .glossgroup}",
        "access {#id_ar4_s3s_ydc}",
        "account {#id_uqn_lk4_pfc}",
        "affiliate {#id_ibz_4js_ydc}",
        "agency fee invoice {#id_lxy_qjs_ydc}",
        "AFI {#glossAlt_v21_4fd_vdc .glossAlt}",
        "applicant {#id_jnx_sjs_ydc}",
        "audited financial statement {#id_ut4_5js_ydc}",
        "authorized agent / delegate {#id_vxs_vjs_ydc}",
        "business activity {#id_lwy_wjs_ydc}",
        "Central Index Key {#id_jyp_yjs_ydc}",
        "CIK {#glossAlt_jyz_f3d_vdc .glossAlt}",
        "charged {#id_kgg_1ks_ydc}",
        "commercial purposes {#id_ugm_cks_ydc}",
        "consolidated financial statement {#id_k43_wks_ydc}",
        "consolidated schedules {#id_mbr_yks_ydc}",
        "control {#id_ixp_1ls_ydc}",
        "control affiliate {#id_erg_dls_ydc}",
        "control person {#id_w5h_3ls_ydc}",
        "disabled account {#id_or5_vl4_pfc}",
        "dormant account {#id_nw5_lm4_pfc}",
        "enjoined {#id_bj3_lls_ydc}",
        "entity {#id_dq2_rls_ydc}",
        "felony {#id_cnz_jg5_ydc}",
        "filing {#id_mv5_cn4_pfc}",
        "financial services or financial services related {#id_d4y_lg5_ydc}",
        "financial statement {#id_m3q_ng5_ydc}",
        "financial statement classification {#id_kfj_pg5_ydc}",
        "financial statement period end date {#id_yrf_tg5_ydc}",
        "financial statement period type {#id_rhs_wg5_ydc}",
        "fiscal year {#id_v1d_yg5_ydc}",
        "fiscal year end {#id_irw_zg5_ydc}",
        "financial condition {#id_dmg_bh5_ydc}",
        "FC {#glossAlt_zwc_5tf_vdc .glossAlt}",
        "foreign financial regulatory authority {#id_epz_ch5_ydc}",
        "found {#id_kkz_fh5_ydc}",
        "involved {#id_jym_hh5_ydc}",
        "jurisdiction {#id_n3n_3h5_ydc}",
        "key financial data {#id_ogj_kh5_ydc}",
        "license item {#id_kc3_vn4_pfc}",
        "misdemeanor {#id_tsy_lh5_ydc}",
        "net worth \\(owner's equity\\) {#id_esl_ph5_ydc}",
        "order {#id_kn3_rh5_ydc}",
        "person {#id_org_5h5_ydc}",
        "proceeding {#id_w14_vh5_ydc}",
        "qualifying individual {#id_ezl_yh5_ydc}",
        "record {#id_w3h_r44_pfc}",
        "relationship {#id_czt_zh5_ydc}",
        "Residential Mortgage Loan Activity Report {#id_e4y_135_ydc}",
        "RMLA {#glossAlt_wjb_djf_vdc .glossAlt}",
        "transition {#id_xks_vp4_pfc}",
        "self regulatory organization {#id_tvd_m35_ydc}",
        "SRO {#glossAlt_xph_r3f_vdc .glossAlt}",
        "settlement services {#id_bsh_n35_ydc}",
        "sponsorship {#id_wjv_vj5_ydc}",
        "state regulatory action {#id_drg_xj5_ydc}",
        "SRA {#glossAlt_mgb_dmf_vdc .glossAlt}",
        "temporary authority to operate {#id_uvy_yj5_ydc}",
        "TA {#glossAlt_ov5_3sf_vdc .glossAlt}",
        "trust account {#id_l1c_bk5_ydc}",
        "unaudited financial statement {#id_fvb_dk5_ydc}",
        "unaudited \\(compiled\\) financial statement {#id_sxb_fk5_ydc}",
        "unaudited \\(reviewed\\) financial statement {#id_vfx_3k5_ydc}",
        "unsubmitted filing {#id_eqh_lq4_pfc}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_explanationOfTerms.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_finStmt_Attachment.md:chunk-0",
      "title": "Financial Statement Attachment {#nmlsPG_financialStatementAttachment .concept}",
      "content": "# Financial Statement Attachment \n\nCompanies must attach the financial statement that corresponds to the **Period Type**, **Classification**, and **Period End Date** selected under MANAGE FILINGS – FINANCIAL STATEMENTS and FINANCIAL INFORMATION.\n\n**Important:** This entire attachment must be in ONE, SEARCHABLE PDF file. Licensees may not submit this attachment as a password protected file. If the file is currently password protected, remove the password requirement before attaching it as part of the filing.\n\nIf an accountant or other accounting professional has prepared the financial statements, companies must also submit the CPA or accountant cover letter with the financial statements.If signatures are required on the letter, regulators will accept them through this submission process.\n\nIf a company must make an amendment or other change to their most recently submitted financialstatement submission, they may do so for a particular Fiscal Year and Period Type by selecting the respective **Processed Filings** > **Period Type** Link on the Manage Filings – Financial Statements page.\n\nDo not submit PERSONAL FINANCIAL STATEMENTS through the system for Individual Form \\(MU2\\) and Individual Licensing Form \\(MU4\\) licenses if required in your state. Sole proprietors required to file financial statements to satisfy Company Form \\(MU1\\) license requirements may submit personal financial statements through NMLS to satisfy these requirements if allowed in your state.\n\n**Parent topic:**Chapter VII—Financial Statement and Net Worth Filing",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_finStmt_Attachment.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_finStmt_Attachment.md",
      "headings": [
        "Financial Statement Attachment {#nmlsPG_financialStatementAttachment .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_finStmt_Attachment.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_finStmt_accountantInfo.md:chunk-0",
      "title": "Accountant Information {#nmlsPG_accountantInformation .concept}",
      "content": "# Accountant Information \n\nCompanies must provide the information listed on this page if the financial statement was prepared by an accounting firm.\n\nFilings designated as `audited`, `unaudited (reviewed)`, or `unaudited (compiled)` are required to complete this section.\n\n**Parent topic:**Chapter VII—Financial Statement and Net Worth Filing",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_finStmt_accountantInfo.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_finStmt_accountantInfo.md",
      "headings": [
        "Accountant Information {#nmlsPG_accountantInformation .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_finStmt_accountantInfo.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_finStmt_attestAndSubmit.md:chunk-0",
      "title": "Attest and Submit {#nmlsPG_attestAndSubmit_3 .concept}",
      "content": "# Attest and Submit \n\nThe **Submit Filing** button will only appear if the Financial Statements Filing passes all completeness checks.\n\nWhen clicking the **Submit Filing** button, applicants and licensees are making a legal attestation to all states in which they are applying for or maintaining a license through NMLS.\n\nAfter clicking the **Submit Filing** button, the financial statement filing is submitted to the regulator\\(s\\)for review. If you are submitting a financial statement in conjunction with a new company license application, return to the Company Form \\(MU1\\) filing to complete this submission.\n\nCertain states may require designated individuals attest to and submit the financial statements. Please consult state licensing requirements to ensure the appropriate individual is performing this function.\n\n**Parent topic:**Chapter VII—Financial Statement and Net Worth Filing",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_finStmt_attestAndSubmit.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_finStmt_attestAndSubmit.md",
      "headings": [
        "Attest and Submit {#nmlsPG_attestAndSubmit_3 .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_finStmt_attestAndSubmit.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_finStmt_filings_manage.md:chunk-0",
      "title": "Manage Filings—Financial Statements {#nmlsPG_manageFilingsFinancialStatements .concept}",
      "content": "# Manage Filings—Financial Statements \n\nAs required by the license type for which you are applying, new applicants will not be able to submit a completed Company Form \\(MU1\\) unless the appropriate financial statement has been attached to their record.\n\nExisting licensees will have the ability to file financial statements in NMLS throughout the year. State regulators have set a policy that all licensees required to file an annual financial statement must do so within 90 days of their fiscal year end. The system will allow for quarterly updates, semi-annual, and year-to-date financial statements as required by some states.\n\nA separate filing must be created for each financial statement with the accurate Period Type indicator. Generally, only financial statements dated as of the company’s fiscal year end should be attached under the Annual / Initial Period Type. If a NEW APPLICANT does not have sufficient financial data to satisfy the new application financial statement requirement for a state and all states where the company is seeking licensure allow this, the company may attach a financial statement under the Annual / Initial Period Type with a period end date that does not correspond to the company’s fiscal year end.\n\n**Note:** Licensed companies required to submit financial statements other than 90 days from fiscal year end must submit these under another period not and not the Annual / Initial Period Type.\n\nNew application requirements may require a prior year financial statement and/or a year-to-date financial statement. The current year financial statement should be posted under Annual / Initial Period Type, while prior year financial statements should be posted with the appropriate classification and time period.\n\nIf your company prepares consolidated financial statements and the states in which you are applying or are currently licensed accept them to satisfy the financial statement requirement, you may submit those through the system.\n\n**Note:** Please note",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_finStmt_filings_manage.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_finStmt_filings_manage.md",
      "headings": [
        "Manage Filings—Financial Statements {#nmlsPG_manageFilingsFinancialStatements .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_finStmt_filings_manage.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_finStmt_filings_manage.md:chunk-1",
      "title": "Manage Filings—Financial Statements {#nmlsPG_manageFilingsFinancialStatements .concept}",
      "content": "tatements and the states in which you are applying or are currently licensed accept them to satisfy the financial statement requirement, you may submit those through the system.\n\n**Note:** Please note that most states ALSO require consolidated schedules reflecting the financial condition of the licensee itself.\n\n**Parent topic:**Chapter VII—Financial Statement and Net Worth Filing",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_finStmt_filings_manage.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_finStmt_filings_manage.md",
      "headings": [
        "Manage Filings—Financial Statements {#nmlsPG_manageFilingsFinancialStatements .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_finStmt_filings_manage.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_finStmt_finInfo.md:chunk-0",
      "title": "Financial Information {#nmlsPG_financialInformation .concept}",
      "content": "# Financial Information \n\nLicensees are required to submit a financial statement and meet the net worth requirement that satisfy the highest, or most stringent, standard among all NMLS states in which they are licensed or are applying for licensure.\n\nIf attaching an Annual / Initial financial statement with a Period End Date that does not correlate with your fiscal year end date, please explain the circumstances that prohibit your company from attaching an annual financial statement.\n\nKey Financial Data must correspond to the financial statement filed under the Annual / Initial filing and reflect the assets, liabilities, and owners’ equity values *of the licensee*. Whenever net worth values are changed from a prior submission, a financial statement reflecting these new values must be submitted with the net worth changes.\n\nSole proprietors should have a 12/31 fiscal year end which should be the same Month and Day as the Period End Date if you are submitting an Annual / Initial financial statement.\n\nIf you do not remember your company’s fiscal year end, reference the information you entered in the Legal Status page for fiscal year end.\n\n**Parent topic:**Chapter VII—Financial Statement and Net Worth Filing",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_finStmt_finInfo.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_finStmt_finInfo.md",
      "headings": [
        "Financial Information {#nmlsPG_financialInformation .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_finStmt_finInfo.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_finStmt_genInst.md:chunk-0",
      "title": "General Instructions {#xd_ce249bf7f1de6244--290e2ab-19990ca3186--7ffa .concept}",
      "content": "# General Instructions \n\nGeneral instructions for filing net worth and financial statements for companies.\n\n## A. General Instructions \n\nFiling\n:   Companies holding one or more license types in one or more states should consult the financial statement and net worth requirements for each license.\n\n    Companies are expected to meet the most stringent financial statement and net worth requirement for their licenses. Filing the financial statements and meeting the net worth requirement to satisfy the most stringent state requirement will satisfy all FS and NW requirements for states participating in NMLS.\n\nTerms Used\n:   For uniformity, terms used in Financial Statement & Net Worth Filing are defined in the Explanation of Terms.\n\n**Parent topic:**Chapter VII—Financial Statement and Net Worth Filing",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_finStmt_genInst.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_finStmt_genInst.md",
      "headings": [
        "General Instructions {#xd_ce249bf7f1de6244--290e2ab-19990ca3186--7ffa .concept}",
        "A. General Instructions {#section_vr2_ksw_5dc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_finStmt_genInst.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_finStmt_netWorthFiling_chapter.md:chunk-0",
      "title": "Chapter VII—Financial Statement and Net Worth Filing {#nmlsPG_financialStatementNetWorthFiling .concept}",
      "content": "# Chapter VII—Financial Statement and Net Worth Filing \n\nNMLS enables company account administrators and designated company users to file financial statements \\(FS\\) in a single PDF document \\(8MB file size limit\\) through the system. Companies are often required to file a financial statement prior to submitting a license application, on an annual basis, or at other designated times during the year.\n\nIn addition, companies holding licenses with a net worth \\(NW\\) requirement can also provide this information through NMLS.\n\n-   **General Instructions**  \nGeneral instructions for filing net worth and financial statements for companies.\n-   **Manage Filings—Financial Statements**  \nAs required by the license type for which you are applying, new applicants will not be able to submit a completed Company Form \\(MU1\\) unless the appropriate financial statement has been attached to their record.\n-   **Financial Information**  \nLicensees are required to submit a financial statement and meet the net worth requirement that satisfy the highest, or most stringent, standard among all NMLS states in which they are licensed or are applying for licensure.\n-   **Accountant Information**  \nCompanies must provide the information listed on this page if the financial statement was prepared by an accounting firm.\n-   **Financial Statement Attachment**  \nCompanies must attach the financial statement that corresponds to the **Period Type**, **Classification**, and **Period End Date** selected under MANAGE FILINGS – FINANCIAL STATEMENTS and FINANCIAL INFORMATION.\n-   **Attest and Submit**  \nThe **Submit Filing** button will only appear if the Financial Statements Filing passes all completeness checks.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_finStmt_netWorthFiling_chapter.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_finStmt_netWorthFiling_chapter.md",
      "headings": [
        "Chapter VII—Financial Statement and Net Worth Filing {#nmlsPG_financialStatementNetWorthFiling .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_finStmt_netWorthFiling_chapter.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_mloEd_PE_expirationPolicy-1.md:chunk-0",
      "title": "PE Expiration Policy {#xd_00cce92b871851eb-89552b4-19045cb1b75--7ffc .concept}",
      "content": "# PE Expiration Policy \n\nIn 2016, the NMLS Policy Committee approved a policy that addresses situations in which an individual either:\n\n1.  completes the Federal PE requirement and does not acquire a license within a reasonable amount of time, or\n2.  acquires a license, but then leaves the industry and returns after a long period and does not complete the education required to maintain an active license.\n\n## PE Expiration Policy: \n\nAn individual who completed 20 hours Pre-Licensure education pursuant to 12 U.S.C. 5104\\(c\\) must retake 20 hours of pre-licensure education in order to be eligible for state mortgage loan originator licensure if he or she:\n\n1.  fails to acquire a valid state license or federal registration as a mortgage loan originator within three years from the date of federal compliance with 12 U.S.C. 5104\\(c\\);or\n2.  fails to acquire a valid state license or federal registration as a mortgage loan originator within three years from the last date of licensure or registration as a mortgage loan originator.\n\n**Parent topic:**Professional Requirements",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_mloEd_PE_expirationPolicy-1.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_mloEd_PE_expirationPolicy-1.md",
      "headings": [
        "PE Expiration Policy {#xd_00cce92b871851eb-89552b4-19045cb1b75--7ffc .concept}",
        "PE Expiration Policy: {#section_g55_sth_wbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_mloEd_PE_expirationPolicy-1.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_mloEd_PE_expirationPolicy.md:chunk-0",
      "title": "PE Expiration Policy {#xd_00cce92b871851eb-89552b4-19045cb1b75--7ffc .concept}",
      "content": "# PE Expiration Policy \n\nIn 2016, the NMLS Policy Committee approved a policy that addresses situations in which an individual either:\n\n1.  completes the Federal PE requirement and does not acquire a license within a reasonable amount of time, or\n2.  acquires a license, but then leaves the industry and returns after a long period and does not complete the education required to maintain an active license.\n\n## PE Expiration Policy: \n\nAn individual who completed 20 hours Pre-Licensure education pursuant to 12 U.S.C. 5104\\(c\\) must retake 20 hours of pre-licensure education in order to be eligible for state mortgage loan originator licensure if he or she:\n\n1.  fails to acquire a valid state license or federal registration as a mortgage loan originator within three years from the date of federal compliance with 12 U.S.C. 5104\\(c\\);or\n2.  fails to acquire a valid state license or federal registration as a mortgage loan originator within three years from the last date of licensure or registration as a mortgage loan originator.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_mloEd_PE_expirationPolicy.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_mloEd_PE_expirationPolicy.md",
      "headings": [
        "PE Expiration Policy {#xd_00cce92b871851eb-89552b4-19045cb1b75--7ffc .concept}",
        "PE Expiration Policy: {#section_g55_sth_wbc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_mloEd_PE_expirationPolicy.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_mloEd_SAFE_SuccesiveYear-1.md:chunk-0",
      "title": "SAFE Act's Successive Year Rule {#xd_f3406d6d8c40c5b7--8040794-1911e21e763--7ff5 .concept}",
      "content": "# SAFE Act's Successive Year Rule \n\nThe SAFE Act stipulates that a state-licensed MLO “may not take the same approved course in the same or successive years to meet the annual requirements for continuing education.” NMLS has interpreted the term “successive years” to mean two years in a row.\n\n## Purpose \n\nThe Secure and Fair Enforcement for Mortgage Licensing Act of 2008 \\(SAFE Act\\) requires that state- licensed mortgage loan originators \\(MLOs\\) complete 8 hours of NMLS approved continuing education \\(CE\\) annually. The SAFE Act also stipulates that a state-licensed MLO “may not take the same approved course in the same or successive years to meet the annual requirements for continuing education.” NMLS has interpreted the term “successive years” to mean two years in a row.\n\nTo ensure compliance with this provision of the SAFE Act, courses that contain the same course content are considered the same course and cannot be taken two years in a row by an MLO.\n\n**Attention:** Taking the same course two years in a row will result in CE not being applied to your record which may result in your license being ineligible for renewal!\n\n## Action for MLO to be in Compliance with the SAFE Act “Successive Year” Rule: \n\nBefore registering for a course, check the following:\n\n-   Review your education record in NMLS to see which courses you completed last year. See Education Record for assistance. Do not register for the same courses you completed last year.\n-   Check the course description to see if the course uses licensed content or shares content with another course. If it does, you may not take a course using the same content two years in a row. Courses using licensed content or sharing content with another course use the same course title or specific key words which are stated at the beginning of the course description. Regulators do review course completion records so *do not take a course with the same title or title keywords two years in a row*.\n\n**Parent topic:**Professio",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_mloEd_SAFE_SuccesiveYear-1.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_mloEd_SAFE_SuccesiveYear-1.md",
      "headings": [
        "SAFE Act's Successive Year Rule {#xd_f3406d6d8c40c5b7--8040794-1911e21e763--7ff5 .concept}",
        "Purpose {#section_jzv_ygn_3cc .section}",
        "Action for MLO to be in Compliance with the SAFE Act “Successive Year” Rule: {#section_pb2_zgn_3cc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_mloEd_SAFE_SuccesiveYear-1.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_mloEd_SAFE_SuccesiveYear-1.md:chunk-1",
      "title": "SAFE Act's Successive Year Rule {#xd_f3406d6d8c40c5b7--8040794-1911e21e763--7ff5 .concept}",
      "content": " the beginning of the course description. Regulators do review course completion records so *do not take a course with the same title or title keywords two years in a row*.\n\n**Parent topic:**Professional Requirements",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_mloEd_SAFE_SuccesiveYear-1.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_mloEd_SAFE_SuccesiveYear-1.md",
      "headings": [
        "SAFE Act's Successive Year Rule {#xd_f3406d6d8c40c5b7--8040794-1911e21e763--7ff5 .concept}",
        "Purpose {#section_jzv_ygn_3cc .section}",
        "Action for MLO to be in Compliance with the SAFE Act “Successive Year” Rule: {#section_pb2_zgn_3cc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_mloEd_SAFE_SuccesiveYear-1.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_mloEd_SAFE_SuccesiveYear.md:chunk-0",
      "title": "SAFE Act's Successive Year Rule {#xd_f3406d6d8c40c5b7--8040794-1911e21e763--7ff5 .concept}",
      "content": "# SAFE Act's Successive Year Rule \n\nThe SAFE Act stipulates that a state-licensed MLO “may not take the same approved course in the same or successive years to meet the annual requirements for continuing education.” NMLS has interpreted the term “successive years” to mean two years in a row.\n\n## Purpose \n\nThe Secure and Fair Enforcement for Mortgage Licensing Act of 2008 \\(SAFE Act\\) requires that state- licensed mortgage loan originators \\(MLOs\\) complete 8 hours of NMLS approved continuing education \\(CE\\) annually. The SAFE Act also stipulates that a state-licensed MLO “may not take the same approved course in the same or successive years to meet the annual requirements for continuing education.” NMLS has interpreted the term “successive years” to mean two years in a row.\n\nTo ensure compliance with this provision of the SAFE Act, courses that contain the same course content are considered the same course and cannot be taken two years in a row by an MLO.\n\n**Attention:** Taking the same course two years in a row will result in CE not being applied to your record which may result in your license being ineligible for renewal!\n\n## Action for MLO to be in Compliance with the SAFE Act “Successive Year” Rule: \n\nBefore registering for a course, check the following:\n\n-   Review your education record in NMLS to see which courses you completed last year. See Education Record for assistance. Do not register for the same courses you completed last year.\n-   Check the course description to see if the course uses licensed content or shares content with another course. If it does, you may not take a course using the same content two years in a row. Courses using licensed content or sharing content with another course use the same course title or specific key words which are stated at the beginning of the course description. Regulators do review course completion records so *do not take a course with the same title or title keywords two years in a row*.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_mloEd_SAFE_SuccesiveYear.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_mloEd_SAFE_SuccesiveYear.md",
      "headings": [
        "SAFE Act's Successive Year Rule {#xd_f3406d6d8c40c5b7--8040794-1911e21e763--7ff5 .concept}",
        "Purpose {#section_jzv_ygn_3cc .section}",
        "Action for MLO to be in Compliance with the SAFE Act “Successive Year” Rule: {#section_pb2_zgn_3cc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_mloEd_SAFE_SuccesiveYear.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_mloEd_administrativeEd_applying.md:chunk-0",
      "title": "Applying Administrative Education {#xd_9b692078bb9d145d--47143557-1969b855798--7ff4 .concept}",
      "content": "# Applying Administrative Education \n\nTo accommodate instances where state requirements and/or NMLS policies creates exceptions to System business rules, NMLS has established a process referred to as Administrative PE or CE \\(Admin PE or CE\\).\n\nThe process enables the VP, Credentialling & Accreditation, or the Director of Mortgage Education Programs, in cooperation with a state agency, to apply Admin PE or CE to a record in cases where an MLO’s PE and/or CE requirement conflicts with System business rules.\n\n## Policy: \n\nTo address instances where NMLS Policy or a state agency’s PE and/or CE requirement conflicts with System business rules, the VP, Credentialling & Accreditation, or the Director of Mortgage Education Programs, may initiate or seek coordination with a state agency, to apply Admin PE or CE to a record. CSBS staff may also evaluate a state agency’s request to apply Admin PE or CE to validate the request is in compliance with the SAFE Act, state regulations, and/or NMLS policies.\n\nAgencies seeking to have Administrative Education applied to a record may contact the RUG team \\(800-699-0911 or rug@csbs.org\\) to make the request.\n\n**Parent topic:**Professional Requirements",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_mloEd_administrativeEd_applying.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_mloEd_administrativeEd_applying.md",
      "headings": [
        "Applying Administrative Education {#xd_9b692078bb9d145d--47143557-1969b855798--7ff4 .concept}",
        "Policy: {#section_od1_1kn_gfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_mloEd_administrativeEd_applying.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_mloEd_profReqs.md:chunk-0",
      "title": "Professional Requirements {#nmlsPG_professionalRequirements .concept}",
      "content": "# Professional Requirements \n\nNMLS enables individuals to select and pay for the National and State Components of the **SAFE Mortgage Loan Originator Test**.\n\nState licensed mortgage loan originators \\(MLOs\\) are the only individuals who have a requirement to take a test, complete pre-licensure education, or satisfy an annual continuing education requirement.\n\n## Education Requirements: \n\nDetailed information on pre-licensure and continuing education requirements for MLOs may be found in the MLO Education and Testing Guide. Licensees may review the status of their education requirements by clicking on **Composite View** and clicking the **View Education Information** link on the left of the screen. Annual compliance information \\(for PE and CE\\) will be displayed on this page. If the current or previous year is not displayed, then you are not yet compliant for pre-licensure education and/or annual continuing education. Licensees can review progress toward completing education requirements by clicking the **Compliance Type** drop-down menu and then choose a year from the drop down menu. After doing this the requested course completion record will be displayed. The course completion record lists the hours of education required by topic as required by the SAFE Act, the hours which have been completed, as well as current compliance status. If the required numbers of hours in a subject area have not yet been completed, the category will show as `Non-Compliant`.\n\nAt the bottom of the course completion record is a listing of every course which has been reported to NMLS as being completed for the year. Information such as the date the course was completed, the date the course completion was reported to NMLS, the number of hours of the course, as well as the course type.\n\n## A. General Instructions \n\nRequirements\n:   In order to select and pay for the **SAFE Mortgage Loan Originator Test**, an individual must have a NMLS Unique ID. Applicants and licensees should consult the",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_mloEd_profReqs.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_mloEd_profReqs.md",
      "headings": [
        "Professional Requirements {#nmlsPG_professionalRequirements .concept}",
        "Education Requirements: {#section_qqc_xlz_5dc .section}",
        "A. General Instructions {#section_iqs_slz_5dc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_mloEd_profReqs.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_mloEd_profReqs.md:chunk-1",
      "title": "Professional Requirements {#nmlsPG_professionalRequirements .concept}",
      "content": "General Instructions \n\nRequirements\n:   In order to select and pay for the **SAFE Mortgage Loan Originator Test**, an individual must have a NMLS Unique ID. Applicants and licensees should consult the MLO Education and Testing Guide on the NMLS Resource Center for detailed instructions.\n\n-   **PE Expiration Policy**  \nIn 2016, the NMLS Policy Committee approved a policy that addresses situations in which an individual either:\n-   **SAFE Act's Successive Year Rule**  \nThe SAFE Act stipulates that a state-licensed MLO “may not take the same approved course in the same or successive years to meet the annual requirements for continuing education.” NMLS has interpreted the term “successive years” to mean two years in a row.\n-   **Uniform CE Policy**  \nAs a condition for license renewal, an MLO is required to complete at least eight \\(8\\) hours of CE in the same year in which a state agency placed the license in an approved status with the following exception: \n-   **Applying Administrative Education**  \nTo accommodate instances where state requirements and/or NMLS policies creates exceptions to System business rules, NMLS has established a process referred to as Administrative PE or CE \\(Admin PE or CE\\).",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_mloEd_profReqs.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_mloEd_profReqs.md",
      "headings": [
        "Professional Requirements {#nmlsPG_professionalRequirements .concept}",
        "Education Requirements: {#section_qqc_xlz_5dc .section}",
        "A. General Instructions {#section_iqs_slz_5dc .section}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_mloEd_profReqs.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_mloEd_uniformCEpolicy.md:chunk-0",
      "title": "Uniform CE Policy {#xd_9b692078bb9d145d--47143557-1969b855798--7ff5 .concept}",
      "content": "# Uniform CE Policy \n\nAs a condition for license renewal, an MLO is required to complete at least eight \\(8\\) hours of CE in the same year in which a state agency placed the license in an approved status with the following exception: \n\nAn MLO who reached federal pre-licensure education \\(PE\\) compliance in the same year in which the license was approved is not required to complete CE.\n\n**Parent topic:**Professional Requirements",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_mloEd_uniformCEpolicy.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_mloEd_uniformCEpolicy.md",
      "headings": [
        "Uniform CE Policy {#xd_9b692078bb9d145d--47143557-1969b855798--7ff5 .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_mloEd_uniformCEpolicy.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_nonDisclosableEventsAndRegulatoryActions.md:chunk-0",
      "title": "Non-disclosable Events and Regulatory Actions {#nmlsPG_nonDisclosableEventsAndRegulatoryActions .concept}",
      "content": "# Non-disclosable Events and Regulatory Actions \n\nIf a Regulatory Action is posted in NMLS with the Privacy Level of `All Regulators`, and noted[^1] as a non-disclosable action, the non-posting state regulator shall not require the action to be disclosed in other parts of the system or included in their exam findings or reports or otherwise be made available to non-regulators through NMLS.\n\nIf a non-posting state regulator feels any Regulatory Action, with the Privacy Level of `All Regulators` should be reported in other parts of NMLS or included in exam findings or reports, they must contact the posting state regulator to discuss further. The non-posting state regulator shall defer and take no action contrary to the posting state regulator when it comes to requiring further disclosure of these events.\n\n[^1]: This could be noted in the **Description of Action** field, **Regulator Notes** field, **External Notes** field, or in the supporting documentation included with the Regulator Action.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_nonDisclosableEventsAndRegulatoryActions.md",
      "relative_path": "maps\\NMLS\\reference\\policyGuide\\maps\\topics\\nmlsPG_nonDisclosableEventsAndRegulatoryActions.md",
      "headings": [
        "Non-disclosable Events and Regulatory Actions {#nmlsPG_nonDisclosableEventsAndRegulatoryActions .concept}"
      ],
      "html_link": "/docs/maps/NMLS/reference/policyGuide/maps/topics/nmlsPG_nonDisclosableEventsAndRegulatoryActions.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/acctAdmin/topics/nmls_acctAdminInitialLogin.md:chunk-0",
      "title": "Account Administrator and Organization User Initial Log in {#nmls_acctAdminInitialLogin .task}",
      "content": "# Account Administrator and Organization User Initial Log in \n\nUpon the initial login to NMLS, Account Administrators and organization users are required to pay the NMLS subscription fee, register their two-factor credential, and reset their password. In addition, they will be required to create a Security Question and Security Answer.\n\nThe Security Question and Security Answer are used to verify the identity of the user when they have forgotten their password. To login to NMLS for the first time:\n\n1.  Navigate to the NMLS Login page.\n\n    -   State context.\n    -   Federal context.\n2.  Enter **User Name** and system generated **Password**.\n\n3.  Select **Log In**.\n\n    **Note:** It is best to copy and paste the temporary password into the password field from the email you received.\n\n    **Note:** NMLS users who will have access to personally identifying information in the system \\(including institutions\\) require a two-factor authentication process. Those users will require a numerical code from VeriSign which can be accessed by key fob, smart phone, or web browser in addition to their user name and password to log into NMLS. Users that require two-factor authentication must pay a subscription fee before their initial log in to the system. This is an annual fee. See NMLS Two-Factor Authentication for more information.\n\n4.  Review the Industry Terms of Use, then select **I Agree**.\n\n5.  Select **Pay Fee**.\n\n6.  Select **Pay Invoice**.\n\n7.  Review the Payment Terms and Conditions, then select **I Agree**.\n\n8.  Select a **Payment Type**:\n\n    -   **Credit Card**\n    -   **Bank Account**\n9.  Complete all required fields for Credit Card Information or Bank Account Information.\n\n    **Note:** Required fields are denoted with an asterisk \\*.\n\n10. Select **Next**.\n\n    The One Time Payment - Review Payment screen is displayed.\n\n11. Select **Confirm and Submit**.\n\n    The One Time Payment - Review Payment screen displays the Payment Confirmation information.\n\n12. Select **Pr",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\acctAdmin\\topics\\nmls_acctAdminInitialLogin.md",
      "relative_path": "maps\\NMLS\\software\\acctAdmin\\topics\\nmls_acctAdminInitialLogin.md",
      "headings": [
        "Account Administrator and Organization User Initial Log in {#nmls_acctAdminInitialLogin .task}"
      ],
      "html_link": "/docs/maps/NMLS/software/acctAdmin/topics/nmls_acctAdminInitialLogin.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/acctAdmin/topics/nmls_acctAdminInitialLogin.md:chunk-1",
      "title": "Account Administrator and Organization User Initial Log in {#nmls_acctAdminInitialLogin .task}",
      "content": "Time Payment - Review Payment screen is displayed.\n\n11. Select **Confirm and Submit**.\n\n    The One Time Payment - Review Payment screen displays the Payment Confirmation information.\n\n12. Select **Print** to retain a copy of the confirmation number.\n\n13. Select **Finish**.\n\n    The NMLS Login screen is displayed.\n\n14. Enter **User Name** and system generated **Password**.\n\n15. Select **Log In**.\n\n16. Review the Industry Terms of Use, then select **I Agree**.\n\n17. Select **Register** on the Register VIP Credential with NMLS screen.\n\n18. Enter the Credential ID in the **Step 1** text field.\n\n19. Enter the generated six digit security code in the **Step 2** text field.\n\n20. Enter the generated six digit security code in the **Step 3** text field.\n\n21. Select **Register**.\n\n    **Note:** A new security code is created every 30 seconds, so it may take up to thirty seconds to generate the second code. Click the links provided on the registration page for more information on where the Credential ID is located and/or how to generate the Security Codes.\n\n    The Change your Password screen is displayed.\n\n22. Enter the system generated password in the **Current Password** field.\n\n23. Enter a new password in the **New Password** field.\n\n24. Re-enter the new password in the **Confirm New Password** field.\n\n25. Select **Change Password**.\n\n    The Change Password Question and Answer screen is displayed.\n\n26. Enter password \\(the new password created on the previous page\\) in the **Password** field.\n\n27. Enter a question in the **Security Question** field.\n\n28. Enter the answer to your question in the **Security Answer** field.\n\n29. Select **Change Security Question and Answer**.\n\n    The Register VIP Credential with NMLS screen is displayed.\n\n30. Select **Continue**.\n\n    The NMLS Home Screen is diplayed.\n\n**Parent topic:**Account Administration",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\acctAdmin\\topics\\nmls_acctAdminInitialLogin.md",
      "relative_path": "maps\\NMLS\\software\\acctAdmin\\topics\\nmls_acctAdminInitialLogin.md",
      "headings": [
        "Account Administrator and Organization User Initial Log in {#nmls_acctAdminInitialLogin .task}"
      ],
      "html_link": "/docs/maps/NMLS/software/acctAdmin/topics/nmls_acctAdminInitialLogin.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/acctAdmin/topics/nmls_acctAdminInitialLogin.md:chunk-2",
      "title": "Account Administrator and Organization User Initial Log in {#nmls_acctAdminInitialLogin .task}",
      "content": "Home Screen is diplayed.\n\n**Parent topic:**Account Administration",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\acctAdmin\\topics\\nmls_acctAdminInitialLogin.md",
      "relative_path": "maps\\NMLS\\software\\acctAdmin\\topics\\nmls_acctAdminInitialLogin.md",
      "headings": [
        "Account Administrator and Organization User Initial Log in {#nmls_acctAdminInitialLogin .task}"
      ],
      "html_link": "/docs/maps/NMLS/software/acctAdmin/topics/nmls_acctAdminInitialLogin.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/acctAdmin/topics/nmls_acctAdminManagingUserInfo.md:chunk-0",
      "title": "Managing Organization User Information {#nmls_acctAdminManagingUserInfo .task}",
      "content": "# Managing Organization User Information \n\nHow Account Administrators can modify organization user information in NMLS.\n\nThe following information for any organization user \\(OU\\) can be modified by an Account Administrator \\(AA\\):\n\n-   First name\n-   Middle Name\n-   Last name\n-   Phone Number\n-   Email Address\n\n1.  Navigate to the NMLS Login page.\n\n    -   State context.\n    -   Federal context.\n2.  Log in to your NMLS account.\n\n3.  Select **Admin** > **Account Profiles**\n\n4.  Enter the individual’s UserName, First, or Last Name, or leave the search criteria blank to get a list of all users.\n\n5.  Select **Search**.\n\n6.  Select the desired username hyperlink\n\n7.  Select **Manage User Info** button to the right of the User Account Information section header.\n\n8.  Change the appropriate information for the selected user.\n\n9.  Select **Save** to save the updates or **Cancel** to return to the **User Account** profile.\n\n**Parent topic:**Account Administration",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\acctAdmin\\topics\\nmls_acctAdminManagingUserInfo.md",
      "relative_path": "maps\\NMLS\\software\\acctAdmin\\topics\\nmls_acctAdminManagingUserInfo.md",
      "headings": [
        "Managing Organization User Information {#nmls_acctAdminManagingUserInfo .task}"
      ],
      "html_link": "/docs/maps/NMLS/software/acctAdmin/topics/nmls_acctAdminManagingUserInfo.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/acctAdmin/topics/nmls_acctAdmin_userAcctDelete.md:chunk-0",
      "title": "Deleting a User Account {#nmls_acctAdmin_userAcctDelete .task}",
      "content": "# Deleting a User Account \n\nA deleted organization user account cannot be re-used. A new user account will have to be created by an account administrator in order for the user to log in to NMLS.\n\n1.  Navigate to the NMLS Login page.\n\n    -   State context.\n    -   Federal context.\n2.  Log in to your NMLS account.\n\n3.  Select **Admin** > **Account Profiles**\n\n4.  Enter the individual’s UserName, First, or Last Name, or leave the search criteria blank to get a list of all users.\n\n5.  Select **Search**.\n\n6.  Select the desired username hyperlink\n\n    The User Account Profile is displayed.\n\n7.  Select **Delete Account** under the User Account Information section.\n\n8.  Select **OK** to confirm the deletion of the user account.\n\n**Parent topic:**Account Administration",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\acctAdmin\\topics\\nmls_acctAdmin_userAcctDelete.md",
      "relative_path": "maps\\NMLS\\software\\acctAdmin\\topics\\nmls_acctAdmin_userAcctDelete.md",
      "headings": [
        "Deleting a User Account {#nmls_acctAdmin_userAcctDelete .task}"
      ],
      "html_link": "/docs/maps/NMLS/software/acctAdmin/topics/nmls_acctAdmin_userAcctDelete.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/acctAdmin/topics/nmls_acctAdmin_userAcctEnableDisable.md:chunk-0",
      "title": "Enabling or Disabling User Accounts {#nmls_acctAdmin_userAcctEnableDisable .task}",
      "content": "# Enabling or Disabling User Accounts \n\nAn organization user whose account has been disabled by an account administrator will not be able to log in to NMLS. The user will be able to log in to NMLS only after the account has been enabled by an account administrator.\n\nAs an example, an organization user who is out on extended leave could have their account disabled by an account administrator \\(AA\\) until they return.\n\n1.  Navigate to the NMLS Login page.\n\n    -   State context.\n    -   Federal context.\n2.  Log in to your NMLS account.\n\n3.  Select **Admin** > **Account Profiles**\n\n4.  Enter the individual’s UserName, First, or Last Name, or leave the search criteria blank to get a list of all users.\n\n5.  Select **Search**.\n\n6.  Select the desired username hyperlink\n\n    The User Account Profile is displayed.\n\n7.  Select **Disable** or **Enable** under the User Account Information section.\n\n    **Note:** Select **New Search** to return to the User Account Search screen.\n\n**Parent topic:**Account Administration",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\acctAdmin\\topics\\nmls_acctAdmin_userAcctEnableDisable.md",
      "relative_path": "maps\\NMLS\\software\\acctAdmin\\topics\\nmls_acctAdmin_userAcctEnableDisable.md",
      "headings": [
        "Enabling or Disabling User Accounts {#nmls_acctAdmin_userAcctEnableDisable .task}"
      ],
      "html_link": "/docs/maps/NMLS/software/acctAdmin/topics/nmls_acctAdmin_userAcctEnableDisable.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/acctAdmin/topics/nmls_acctAdmin_userRoleModify.md:chunk-0",
      "title": "Modifying Organization User Account Roles {#nmls_acctAdmin_userRoleModify .task}",
      "content": "# Modifying Organization User Account Roles \n\nAn Account Administrator can remove access or grant additional access to NMLS functionality by modifying the roles the organization user has.\n\nAccess to NMLS functionality is controlled by selecting or clearing the checkbox next to each role.\n\n**Note:** If an Account Administrator adds or removes a role from a user account that is currently logged into NMLS, any role changes will not take effect until the next time the user logs into the system.\n\n1.  Navigate to the NMLS Login page.\n\n    -   State context.\n    -   Federal context.\n2.  Log in to your NMLS account.\n\n3.  Select **Admin** > **Manage Roles**\n\n4.  Enter the individual’s UserName, First, or Last Name, or leave the search criteria blank to get a list of all users.\n\n5.  Select **Search**.\n\n6.  Select the desired username hyperlink\n\n    The User Account Profile is displayed.\n\n7.  Make updates to the user role\\(s\\) by selecting or clearing the role checkboxes.\n\n8.  Select **Apply** to save the updates.\n\n**Parent topic:**Account Administration",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\acctAdmin\\topics\\nmls_acctAdmin_userRoleModify.md",
      "relative_path": "maps\\NMLS\\software\\acctAdmin\\topics\\nmls_acctAdmin_userRoleModify.md",
      "headings": [
        "Modifying Organization User Account Roles {#nmls_acctAdmin_userRoleModify .task}"
      ],
      "html_link": "/docs/maps/NMLS/software/acctAdmin/topics/nmls_acctAdmin_userRoleModify.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/acctAdmin/topics/nmls_acctAdmin_userRoles.md:chunk-0",
      "title": "User Roles for Organization Users {#nmls_acctAdmin_userRoles .reference}",
      "content": "# User Roles for Organization Users \n\n## Notifications \n\nManage Notification Contacts\n:   this role allows an OU to designate a user or users to receive notices, determine which notices the user will receive, and stop notices from being sent.\n\n    **Note:** If no user is assigned to receive the notification, the notification is sent to the AAs.\n\n## State Filings \n\nCreate and Edit MU1/MU2 Filings\n:   this role allows the user to create and edit the complete MU1 \\(company application\\) and all associated MU2's \\(company control persons\\). This includes historical filings and those created by other individuals.\n\nCreate and Submit MU1/MU2 Filings\n:   this role allows the user to create, edit, and submit to the regulator the complete MU1 \\(company application\\) and all associated MU2's \\(company control persons\\). This includes historical filings and those created by other individuals.\n\nCreate and Edit MU3/MU2 Filings\n:   this role allows the user to create and edit the complete MU3 \\(branch application\\) and the associated MU2 for the branch manager. This includes historical filings and those created by other individuals.\n\nCreate and Submit MU3/MU2 Filings\n:   this role allows the user to create, edit, and submit to the regulator the complete MU3 \\(branch application\\) and the associated MU2 for the branch manager. This includes historical filings and those created by other individuals.\n\nCreate and Submit MU4 Filings\n:   this role allows the user to create, edit, and submit to the regulator the complete MU4 \\(licensed individual application\\) for any individual licensed or registered through your company. This includes historical filings and those created by other organization users.\n\nCreate and Submit Financial Statement Filings\n:   this role allows the user to create, edit, and submit to the regulator any financial statement filings, along with key financial data, as required.\n\nCreate and Submit Mortgage Call Report Filings\n:   this role allows the user to submit and ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\acctAdmin\\topics\\nmls_acctAdmin_userRoles.md",
      "relative_path": "maps\\NMLS\\software\\acctAdmin\\topics\\nmls_acctAdmin_userRoles.md",
      "headings": [
        "User Roles for Organization Users {#nmls_acctAdmin_userRoles .reference}",
        "Notifications {#section_lzw_x5x_jfc .section}",
        "State Filings {#section_qgv_bwk_mfc .section}",
        "MLO Testing and Education {#section_lj4_1xk_mfc .section}",
        "Tasks for State Licensees {#section_v32_pbs_mfc .section}",
        "Composite View for State Licensees {#section_ryv_5bs_mfc .section}",
        "Federal Filings {#section_mzw_x5x_jfc .section}",
        "Tasks for Federal Registrants {#section_hqt_z5x_jfc .section}",
        "Composite View for Federal Registrants {#section_azz_1vx_jfc .section}",
        "Accounting {#section_bwg_vvx_jfc .section}",
        "Reporting {#section_j4k_wvx_jfc .section}",
        "Renewals {#section_esk_fxx_jfc .section}",
        "Surety Bonds {#section_jmt_4cs_mfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/software/acctAdmin/topics/nmls_acctAdmin_userRoles.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/acctAdmin/topics/nmls_acctAdmin_userRoles.md:chunk-1",
      "title": "User Roles for Organization Users {#nmls_acctAdmin_userRoles .reference}",
      "content": "t, and submit to the regulator any financial statement filings, along with key financial data, as required.\n\nCreate and Submit Mortgage Call Report Filings\n:   this role allows the user to submit and manage Mortgage Call Reports.\n\nEdit Mortgage Call Report Financial Condition Filings\n:   this role allows the user to edit Mortgage Call Report Financial Condition Filings.\n\nView Mortgage Call Report Filings\n:   this role allows the user to view Mortgage Call Report Filings. Users with this role cannot edit or submit Mortgage Call Report Filings.\n\nCreate and Edit MSBCR Filings\n:   this role allows the user to view, create, and edit MSB Call Report filings. Users with this role cannot submit MSB Call Report Filings.\n\nCreate, Edit, and Submit MSBCR Filings\n:   this role allows the user to view, create, edit, and submit MSB Call Report filings.\n\nView MSBCR Filings\n:   this role allows the user to view MSB Call Report filings. Users with this role cannot create, edit, or submit MSB Call Report filings.\n\nManage Company Relationships\n:   this role allows the user to establish, terminate, and view relationships \\(which generally indicates employment\\) between individuals \\(MU2/4\\) and the company.\n\n## MLO Testing and Education \n\nManage Test Enrollments\n:   this role allows the user to create and submit test enrollment requests on behalf of an individual.\n\n## Tasks for State Licensees \n\nAccess License Item List\n:   this role allows the user to have full access to the company's work list to process any work associated with filings that have been submitted for the company, its branches, or sponsored individuals.\n\nPerform Authorized Agent Upload\n:   this role allows the user to upload a list of entities that conduct money transmissions on behalf of a company that is licensed in NMLS, but not directly licensed themselves \\(i.e. “authorized delegates” or “agents”\\).\n\n## Composite View for State Licensees \n\nView Individual Composite\n:   this role allows the user to view data associat",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\acctAdmin\\topics\\nmls_acctAdmin_userRoles.md",
      "relative_path": "maps\\NMLS\\software\\acctAdmin\\topics\\nmls_acctAdmin_userRoles.md",
      "headings": [
        "User Roles for Organization Users {#nmls_acctAdmin_userRoles .reference}",
        "Notifications {#section_lzw_x5x_jfc .section}",
        "State Filings {#section_qgv_bwk_mfc .section}",
        "MLO Testing and Education {#section_lj4_1xk_mfc .section}",
        "Tasks for State Licensees {#section_v32_pbs_mfc .section}",
        "Composite View for State Licensees {#section_ryv_5bs_mfc .section}",
        "Federal Filings {#section_mzw_x5x_jfc .section}",
        "Tasks for Federal Registrants {#section_hqt_z5x_jfc .section}",
        "Composite View for Federal Registrants {#section_azz_1vx_jfc .section}",
        "Accounting {#section_bwg_vvx_jfc .section}",
        "Reporting {#section_j4k_wvx_jfc .section}",
        "Renewals {#section_esk_fxx_jfc .section}",
        "Surety Bonds {#section_jmt_4cs_mfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/software/acctAdmin/topics/nmls_acctAdmin_userRoles.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/acctAdmin/topics/nmls_acctAdmin_userRoles.md:chunk-2",
      "title": "User Roles for Organization Users {#nmls_acctAdmin_userRoles .reference}",
      "content": "but not directly licensed themselves \\(i.e. “authorized delegates” or “agents”\\).\n\n## Composite View for State Licensees \n\nView Individual Composite\n:   this role allows the user to view data associated with an individual record to which the company has access. This includes any MU2 or MU4 filings, the history of their licenses, any requirements or deficiencies that have been associated with their license\\(s\\), test enrollments and results, and education information.\n\nView Company/Branch Composite\n:   this role allows the user to view ALL data associated with a company and its branches. This includes any Company \\(MU1\\), or Branch \\(MU3\\) filings, the history of their licenses and any requirements or deficiencies that have been associated with their license\\(s\\).\n\nView Confidential Information\n:   this role allows the user to view the full social security number and date of birth of an individual associated with their company and its branches. This includes any Historical filings, and Composite. This role also allows the user to view the EIN or Tax ID for the company.\n\nView Testing and Education\n:   this role allows the user to view a list of official test results for each unique national and/or state test an individual has taken, as well as a list of open enrollment windows for them. This role also allows the user to view an individual’s Course Completion Record, including all Pre-Licensure and Continuing Education.\n\n## Federal Filings \n\nCreate and Submit MU1R Filings\n:   this role allows the user to create, edit, view, and submit to the System the MU1R \\(institution\\) filing. This includes those created by other users within the institution.\n\nCreate and Submit MU4R Filings\n:   this role allows the user to create, edit, view, and submit to the System the MU4R \\(individual\\) filing for any individual associated with the institution. This includes those created by other users within the institution.\n\nPay MU4R Fees\n:   this role allows the user to pay fees associated ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\acctAdmin\\topics\\nmls_acctAdmin_userRoles.md",
      "relative_path": "maps\\NMLS\\software\\acctAdmin\\topics\\nmls_acctAdmin_userRoles.md",
      "headings": [
        "User Roles for Organization Users {#nmls_acctAdmin_userRoles .reference}",
        "Notifications {#section_lzw_x5x_jfc .section}",
        "State Filings {#section_qgv_bwk_mfc .section}",
        "MLO Testing and Education {#section_lj4_1xk_mfc .section}",
        "Tasks for State Licensees {#section_v32_pbs_mfc .section}",
        "Composite View for State Licensees {#section_ryv_5bs_mfc .section}",
        "Federal Filings {#section_mzw_x5x_jfc .section}",
        "Tasks for Federal Registrants {#section_hqt_z5x_jfc .section}",
        "Composite View for Federal Registrants {#section_azz_1vx_jfc .section}",
        "Accounting {#section_bwg_vvx_jfc .section}",
        "Reporting {#section_j4k_wvx_jfc .section}",
        "Renewals {#section_esk_fxx_jfc .section}",
        "Surety Bonds {#section_jmt_4cs_mfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/software/acctAdmin/topics/nmls_acctAdmin_userRoles.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/acctAdmin/topics/nmls_acctAdmin_userRoles.md:chunk-3",
      "title": "User Roles for Organization Users {#nmls_acctAdmin_userRoles .reference}",
      "content": "ual\\) filing for any individual associated with the institution. This includes those created by other users within the institution.\n\nPay MU4R Fees\n:   this role allows the user to pay fees associated with MU4R filings they submitted.\n\nView MLO Record Access\n:   this role gives the user the ability to view the list of mortgage loan originators \\(MLOs\\) to which the institution currently has access.\n\n## Tasks for Federal Registrants \n\nPerform MLO Batch Upload\n:   this role allows the user to initiate the registration process for multiple MLOs in bulk. This includes the creation of the MLO’s base record, individual user account, and pending MU4R filing. This role also allows users to view personal identification information provided in the Batch Upload .csv files. The Perform MLO Batch Upload role also allows users to perform Merger & Acquisition operations.\n\nManage Employment Records\n:   this role allows the user to confirm, reject, request corrections to, and terminate employment records associated with their institution.\n\nPay MU4R Fees\n:   this role allows the user to pay fees associated with MU4R filings submitted by other users within the institution\n\n## Composite View for Federal Registrants \n\nView Individual Composite\n:   this role allows the user to view data associated with an individual record to which the institution has access. This includes historical MU4R filings, registration status history, and criminal background check \\(CBC\\) information for the individual. It does not allow a user to see data requiring the View Confidential Information role.\n\nView Institution Composite\n:   this role allows the user to view ALL data associated with an institution. This includes any historical MU1R filings and their MU1R filing status history.\n\nView Confidential Information\n:   this role allows the user to view the full social security number and date of birth of any individual to which the institution has access.\n\nView CBC Result\n:   this role allows the user to view ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\acctAdmin\\topics\\nmls_acctAdmin_userRoles.md",
      "relative_path": "maps\\NMLS\\software\\acctAdmin\\topics\\nmls_acctAdmin_userRoles.md",
      "headings": [
        "User Roles for Organization Users {#nmls_acctAdmin_userRoles .reference}",
        "Notifications {#section_lzw_x5x_jfc .section}",
        "State Filings {#section_qgv_bwk_mfc .section}",
        "MLO Testing and Education {#section_lj4_1xk_mfc .section}",
        "Tasks for State Licensees {#section_v32_pbs_mfc .section}",
        "Composite View for State Licensees {#section_ryv_5bs_mfc .section}",
        "Federal Filings {#section_mzw_x5x_jfc .section}",
        "Tasks for Federal Registrants {#section_hqt_z5x_jfc .section}",
        "Composite View for Federal Registrants {#section_azz_1vx_jfc .section}",
        "Accounting {#section_bwg_vvx_jfc .section}",
        "Reporting {#section_j4k_wvx_jfc .section}",
        "Renewals {#section_esk_fxx_jfc .section}",
        "Surety Bonds {#section_jmt_4cs_mfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/software/acctAdmin/topics/nmls_acctAdmin_userRoles.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/acctAdmin/topics/nmls_acctAdmin_userRoles.md:chunk-4",
      "title": "User Roles for Organization Users {#nmls_acctAdmin_userRoles .reference}",
      "content": "n\n:   this role allows the user to view the full social security number and date of birth of any individual to which the institution has access.\n\nView CBC Result\n:   this role allows the user to view the information resulting from a CBC for MLOs that have a pending or active employment record with the institution.\n\nView RAP Sheet\n:   this role allows the user to view the Record of Arrest and Prosecution Sheet for MLOs that have a pending or active employment record with the institution.\n\n## Accounting \n\nFinancial Admin\n:   this role allows the user to view all payments made in NMLS for the institution. In addition, it allows the user to repay failed payments.\n\n## Reporting \n\nManage Reports\n:   this role allows the user to request and view reports\n\n    **Note:** Renewal reports are separate from the report function and are only accessible through the Renewals tab.\n\n## Renewals \n\nFederal Renewals\n:   this role allows the user to submit renewal requests for the institution and employed individual registrations\n\nRenewals \\(for state licensees only\\)\n:   this role allows the user to process and submit renewal requests for company, branch, and individual licenses/registrations. In addition, the submit renewal requests role allows the user to request Renewal Reports.\n\n## Surety Bonds \n\nSurety Bonds Management\n:   this role allows the user to create and manage bonds for a company to which they have access for a specific license. Bonds will be routed to the company for signature by the appropriate party, and then sent on to the relevant regulator.\n\n    **Note:** This role does not apply to individual Control Persons who are being designated as the signatory on a bond. Bond execution by Control Persons must be completed from the individual’s NMLS account.\n\n**Parent topic:**Creating an Organization User",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\acctAdmin\\topics\\nmls_acctAdmin_userRoles.md",
      "relative_path": "maps\\NMLS\\software\\acctAdmin\\topics\\nmls_acctAdmin_userRoles.md",
      "headings": [
        "User Roles for Organization Users {#nmls_acctAdmin_userRoles .reference}",
        "Notifications {#section_lzw_x5x_jfc .section}",
        "State Filings {#section_qgv_bwk_mfc .section}",
        "MLO Testing and Education {#section_lj4_1xk_mfc .section}",
        "Tasks for State Licensees {#section_v32_pbs_mfc .section}",
        "Composite View for State Licensees {#section_ryv_5bs_mfc .section}",
        "Federal Filings {#section_mzw_x5x_jfc .section}",
        "Tasks for Federal Registrants {#section_hqt_z5x_jfc .section}",
        "Composite View for Federal Registrants {#section_azz_1vx_jfc .section}",
        "Accounting {#section_bwg_vvx_jfc .section}",
        "Reporting {#section_j4k_wvx_jfc .section}",
        "Renewals {#section_esk_fxx_jfc .section}",
        "Surety Bonds {#section_jmt_4cs_mfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/software/acctAdmin/topics/nmls_acctAdmin_userRoles.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/acctAdmin/topics/nmls_acctAdmin_userRoles.md:chunk-5",
      "title": "User Roles for Organization Users {#nmls_acctAdmin_userRoles .reference}",
      "content": "ng an Organization User",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\acctAdmin\\topics\\nmls_acctAdmin_userRoles.md",
      "relative_path": "maps\\NMLS\\software\\acctAdmin\\topics\\nmls_acctAdmin_userRoles.md",
      "headings": [
        "User Roles for Organization Users {#nmls_acctAdmin_userRoles .reference}",
        "Notifications {#section_lzw_x5x_jfc .section}",
        "State Filings {#section_qgv_bwk_mfc .section}",
        "MLO Testing and Education {#section_lj4_1xk_mfc .section}",
        "Tasks for State Licensees {#section_v32_pbs_mfc .section}",
        "Composite View for State Licensees {#section_ryv_5bs_mfc .section}",
        "Federal Filings {#section_mzw_x5x_jfc .section}",
        "Tasks for Federal Registrants {#section_hqt_z5x_jfc .section}",
        "Composite View for Federal Registrants {#section_azz_1vx_jfc .section}",
        "Accounting {#section_bwg_vvx_jfc .section}",
        "Reporting {#section_j4k_wvx_jfc .section}",
        "Renewals {#section_esk_fxx_jfc .section}",
        "Surety Bonds {#section_jmt_4cs_mfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/software/acctAdmin/topics/nmls_acctAdmin_userRoles.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/acctAdmin/topics/nmls_companyAcctAdmins.md:chunk-0",
      "title": "Choosing your Account Administrators {#nmls_companyAcctAcmins .concept}",
      "content": "# Choosing your Account Administrators \n\nThe Account Administrators for your company are persons of your company’s choosing that will have full access to your company’s record on NMLS and will be able to fill out and submit a complete company record \\(Form MU1 or MU1R\\) to any participating state regulator or the Federal Registry.\n\nThe Account Administrators for your company record will also be able to view information about individuals and mortgage loan originator who have granted your company access to their NMLS record. This access carries important responsibilities under the Industry User Agreement for which your company will be liable.\n\nThe Account Administrators are also responsible for establishing and maintaining other system users for your company’s NMLS account.\n\nThe Account Administrators may be, but are not required to be, officers within your company.. Because Account Administrators have full rights and authorities within NMLS, the company must appoint individuals who are qualified to act on behalf of and in the best interest of the company.\n\nThe Account Administrators are the only persons permitted to request changes to your NMLS base record through the NMLS Call Center.\n\n## Companies seeking state licensure or registration: \n\nNMLS requires at least one Account Administrator but strongly recommends two. The Account Administrators may be, but are not required to be, employees of the company.\n\n## Institutions and subsidiaries seeking access to the NMLS Federal Registry: \n\nThe NMLS Federal Registry requires each federally chartered or insured institution to identify at least two Account Administrators. The Account Administrators must be employees of the federally chartered or insured parent company. Due to federal restrictions that prohibit employees of an institution’s subsidiary from receiving or viewing criminal history record information through NMLS, the Account Administrators identified for subsidiaries must be exactly the same as those identified f",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\acctAdmin\\topics\\nmls_companyAcctAdmins.md",
      "relative_path": "maps\\NMLS\\software\\acctAdmin\\topics\\nmls_companyAcctAdmins.md",
      "headings": [
        "Choosing your Account Administrators {#nmls_companyAcctAcmins .concept}",
        "Companies seeking state licensure or registration: {#section_avv_fwf_3fc .section}",
        "Institutions and subsidiaries seeking access to the NMLS Federal Registry: {#section_ull_jwf_3fc .section}"
      ],
      "html_link": "/docs/maps/NMLS/software/acctAdmin/topics/nmls_companyAcctAdmins.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/acctAdmin/topics/nmls_companyAcctAdmins.md:chunk-1",
      "title": "Choosing your Account Administrators {#nmls_companyAcctAcmins .concept}",
      "content": "stitution’s subsidiary from receiving or viewing criminal history record information through NMLS, the Account Administrators identified for subsidiaries must be exactly the same as those identified for their parent federally-chartered or insured institution.\n\n**Parent topic:**Account Administration",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\acctAdmin\\topics\\nmls_companyAcctAdmins.md",
      "relative_path": "maps\\NMLS\\software\\acctAdmin\\topics\\nmls_companyAcctAdmins.md",
      "headings": [
        "Choosing your Account Administrators {#nmls_companyAcctAcmins .concept}",
        "Companies seeking state licensure or registration: {#section_avv_fwf_3fc .section}",
        "Institutions and subsidiaries seeking access to the NMLS Federal Registry: {#section_ull_jwf_3fc .section}"
      ],
      "html_link": "/docs/maps/NMLS/software/acctAdmin/topics/nmls_companyAcctAdmins.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/acctAdmin/topics/nmls_companyInstitutionAcctForm_completing.md:chunk-0",
      "title": "Completing the Company/Institution Account Request Form {#nmls_companyInstitutionAcctForm_completing .concept}",
      "content": "# Completing the Company/Institution Account Request Form \n\nA state-licensed company, federally registered institution, or sole proprietor wishing to apply for a state license or federal registration through NMLS must first obtain a company account on NMLS.\n\nTo do this, a Company Account Request Form must be completed, requiring the following Company[^1] information:\n\nBasic corporate information including:\n\n-   Exact legal name\n\n    **Note:** Legal name in NMLS must match Secretary of State documentation, including punctuation.\n\n-   IRS Employer Identification Number\n-   Secretary of State documentation\n\n    **Note:** Legal name must be entered in NMLS exactly as listed on document, including punctuation.\n\n-   State and date of incorporation\n-   The main corporate headquarters street address\n-   Contact Employee information\n-   NMLS Account Administrators\n\nFederal Agency-Regulated Institutions only:\n\n-   RSSD ID \\(federal agency-regulated institutions only\\)\n-   Primary Federal Regulator \\(federal agency-regulated institutions only\\)\n-   RSSD ID of the parent institution if a subsidiary of a federally-chartered institution\n\n## Legal Name \n\nCompanies seeking state licensure or registration should use the exact legal name as it appears on their Articles of Incorporation, Articles/Certificate of Organization, Partnership Agreement, or other legal document. It is important that each company is set up by their legal name and not by any trade name or \"doing business as\" name they may use. Using the legal name will ensure that only a single record is established for each distinct company in the system.\n\n## Note to Sole Proprietors \n\nSole proprietors should use their full legal name \\(last, first, full middle\\) as the company legal name. Trade names, other business names, doing business as \\(DBA\\), etc., can be added later and should not be entered as the legal name for sole proprietor account requests. If the sole proprietor does not have an IRS Employer Identification Num",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\acctAdmin\\topics\\nmls_companyInstitutionAcctForm_completing.md",
      "relative_path": "maps\\NMLS\\software\\acctAdmin\\topics\\nmls_companyInstitutionAcctForm_completing.md",
      "headings": [
        "Completing the Company/Institution Account Request Form {#nmls_companyInstitutionAcctForm_completing .concept}",
        "Legal Name {#section_ymt_gvp_jfc .section}",
        "Note to Sole Proprietors {#section_ald_lvp_jfc .section}",
        "Federal Agency-Regulated Institutions {#section_kkl_lvp_jfc .section}",
        "Identify a Company Contact Person {#section_aw5_qvp_jfc .section}",
        "Identifying Account Administrators {#section_d3f_wvp_jfc .section}",
        "Supporting File \\(state account requests only\\) {#section_cnl_1wp_jfc .section}",
        "Attestation {#section_d21_2wp_jfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/software/acctAdmin/topics/nmls_companyInstitutionAcctForm_completing.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/acctAdmin/topics/nmls_companyInstitutionAcctForm_completing.md:chunk-1",
      "title": "Completing the Company/Institution Account Request Form {#nmls_companyInstitutionAcctForm_completing .concept}",
      "content": " business as \\(DBA\\), etc., can be added later and should not be entered as the legal name for sole proprietor account requests. If the sole proprietor does not have an IRS Employer Identification Number and uses his or her social security number \\(SSN\\) instead, the sole proprietor should enter the SSN into the Company Account Request Form. If you have questions, contact the NMLS Call Center at 855-665-7123.\n\n## Federal Agency-Regulated Institutions \n\nData such as exact legal system, corporate headquarters address, RSSD ID, Employer Identification Number and primary federal regulator, will be validated against information contained in the Federal Reserve System’s National Information Center \\(NIC\\) Database. If you believe the information in the NIC Database is incorrect, please contact the Federal Reserve Bank for your district. If information submitted by your institution does not match information provided to the NIC database, your institution’s Company Account Request will not be approved.\n\n**Note:** Company Account Requests for subsidiaries of federal agency-regulated institutions will not be approved until a Company Account Request Form has been approved for their parent institution. Therefore, please wait for approval of the parent institution’s Company Account Request Form before submitting requests for the subsidiaries.\n\nIf you have questions about where to obtain information for your company or the correct information to use, you should consult your company’s legal counsel before attempting to complete a Company Account Request Form.\n\n## Identify a Company Contact Person \n\nThe **Company Contact Person** is a person within your company that is authorized to answer questions regarding the company’s NMLS record. This person may be contacted by a state or federal regulator or NMLS with any questions about the Company Account Request Form you submit. If you are unsure who in your company has the authority to answer questions regarding the NMLS record, you shou",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\acctAdmin\\topics\\nmls_companyInstitutionAcctForm_completing.md",
      "relative_path": "maps\\NMLS\\software\\acctAdmin\\topics\\nmls_companyInstitutionAcctForm_completing.md",
      "headings": [
        "Completing the Company/Institution Account Request Form {#nmls_companyInstitutionAcctForm_completing .concept}",
        "Legal Name {#section_ymt_gvp_jfc .section}",
        "Note to Sole Proprietors {#section_ald_lvp_jfc .section}",
        "Federal Agency-Regulated Institutions {#section_kkl_lvp_jfc .section}",
        "Identify a Company Contact Person {#section_aw5_qvp_jfc .section}",
        "Identifying Account Administrators {#section_d3f_wvp_jfc .section}",
        "Supporting File \\(state account requests only\\) {#section_cnl_1wp_jfc .section}",
        "Attestation {#section_d21_2wp_jfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/software/acctAdmin/topics/nmls_companyInstitutionAcctForm_completing.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/acctAdmin/topics/nmls_companyInstitutionAcctForm_completing.md:chunk-2",
      "title": "Completing the Company/Institution Account Request Form {#nmls_companyInstitutionAcctForm_completing .concept}",
      "content": " regulator or NMLS with any questions about the Company Account Request Form you submit. If you are unsure who in your company has the authority to answer questions regarding the NMLS record, you should consult your company’s legal counsel.\n\n## Identifying Account Administrators \n\nThe Account Administrators for your company are the persons of your company’s choosing that will have full access to your company’s record on NMLS and will be able to fill out and submit a complete company record \\(Form MU1 or MU1R\\) to any participating state regulator or the federal registry. The Account Administrators for your company record will also be able to view information about individuals and mortgage loan originators who have granted your company access to their NMLS record. This access carries important responsibilities under the \\[Industry User Agreement\\] for which your company will be liable. Account Administrators must be employees of your company.\n\n**Note:** Institutions requesting access to the Federal Registry are subject to federal restrictions regarding who is allowed to access and view criminal background check information. To ensure compliance with these restrictions, only employees of a federally chartered or insured institution can act as Account Administrators and only Account Administrators for the federal agency-regulated parent institution can be identified as Account Administrators for a subsidiary of that institution.\n\nFor additional instructions and requirements see Choosing your Account Administrators.\n\n## Supporting File \\(state account requests only\\) \n\nIn the Supporting File section of the Company Account Request Form you must provide a copy of the IRS documentation that identifies the employer identification number \\(EIN\\) for your business and the Secretary of State \\(SOS\\) documentation that identifies the state where you registered as a business. For sole proprietors using their SSN as the EIN, they will need to provide the SSN card for the owner bu",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\acctAdmin\\topics\\nmls_companyInstitutionAcctForm_completing.md",
      "relative_path": "maps\\NMLS\\software\\acctAdmin\\topics\\nmls_companyInstitutionAcctForm_completing.md",
      "headings": [
        "Completing the Company/Institution Account Request Form {#nmls_companyInstitutionAcctForm_completing .concept}",
        "Legal Name {#section_ymt_gvp_jfc .section}",
        "Note to Sole Proprietors {#section_ald_lvp_jfc .section}",
        "Federal Agency-Regulated Institutions {#section_kkl_lvp_jfc .section}",
        "Identify a Company Contact Person {#section_aw5_qvp_jfc .section}",
        "Identifying Account Administrators {#section_d3f_wvp_jfc .section}",
        "Supporting File \\(state account requests only\\) {#section_cnl_1wp_jfc .section}",
        "Attestation {#section_d21_2wp_jfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/software/acctAdmin/topics/nmls_companyInstitutionAcctForm_completing.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/acctAdmin/topics/nmls_companyInstitutionAcctForm_completing.md:chunk-3",
      "title": "Completing the Company/Institution Account Request Form {#nmls_companyInstitutionAcctForm_completing .concept}",
      "content": "ry of State \\(SOS\\) documentation that identifies the state where you registered as a business. For sole proprietors using their SSN as the EIN, they will need to provide the SSN card for the owner but do not need to include SOS documentation as that is not applicable.\n\nThere are only two documents that we accept from the IRS, the SS-4 Letter or the 147C letter. The SS-4 letter is only issued to you once when your EIN is first established by the IRS and the 147C letter acts as a replacement if you do not have your SS-4 letter. If you need the 147C letter, please contact the IRS’ Business & Specialty Tax Line \\(800-829-4933\\) for assistance. The SOS documentation can also be referred to as certificate of existence and it identifies the structure of your business as well as the legal name. Examples of acceptable SOS documents include, but are not limited to, articles of organization, certificate of existence, certificate of filing, articles of incorporation, or certificate of good standing.\n\nThe legal name of your business entered in NMLS must match the SOS documentation exactly, including punctuation. The SOS documentation must match the legal name that is listed on the IRS documentation with the only exceptions being the IRS documentation does not have to have exact punctuation marks such as periods and commas. Your request may be rejected if the names do not match and then you would need to make the request again with the proper information.\n\nThe supporting documentation file must be in a PDF format and cannot exceed 8 MB. If you have multiple documents, they must be combined in a single file.\n\n## Attestation \n\nThe person completing the Company Account Request Form must be someone from your company with the legal authority to act on behalf of your company. At the end of the form, they will be asked to attest that the information submitted is correct and that they have the authority to submit this form for their company. If you are unsure who should fill out the Com",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\acctAdmin\\topics\\nmls_companyInstitutionAcctForm_completing.md",
      "relative_path": "maps\\NMLS\\software\\acctAdmin\\topics\\nmls_companyInstitutionAcctForm_completing.md",
      "headings": [
        "Completing the Company/Institution Account Request Form {#nmls_companyInstitutionAcctForm_completing .concept}",
        "Legal Name {#section_ymt_gvp_jfc .section}",
        "Note to Sole Proprietors {#section_ald_lvp_jfc .section}",
        "Federal Agency-Regulated Institutions {#section_kkl_lvp_jfc .section}",
        "Identify a Company Contact Person {#section_aw5_qvp_jfc .section}",
        "Identifying Account Administrators {#section_d3f_wvp_jfc .section}",
        "Supporting File \\(state account requests only\\) {#section_cnl_1wp_jfc .section}",
        "Attestation {#section_d21_2wp_jfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/software/acctAdmin/topics/nmls_companyInstitutionAcctForm_completing.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/acctAdmin/topics/nmls_companyInstitutionAcctForm_completing.md:chunk-4",
      "title": "Completing the Company/Institution Account Request Form {#nmls_companyInstitutionAcctForm_completing .concept}",
      "content": "f the form, they will be asked to attest that the information submitted is correct and that they have the authority to submit this form for their company. If you are unsure who should fill out the Company Account Request Form for your company, consult your company's leadership and/or your company’s legal counsel.\n\n**Parent topic:**Request a Company or Institution Account\n\n[^1]:  For purposes of the Company Account Request Form and these instructions, Company refers to state licensed or registered companies and federal agency-regulated institutions or their subsidiaries.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\acctAdmin\\topics\\nmls_companyInstitutionAcctForm_completing.md",
      "relative_path": "maps\\NMLS\\software\\acctAdmin\\topics\\nmls_companyInstitutionAcctForm_completing.md",
      "headings": [
        "Completing the Company/Institution Account Request Form {#nmls_companyInstitutionAcctForm_completing .concept}",
        "Legal Name {#section_ymt_gvp_jfc .section}",
        "Note to Sole Proprietors {#section_ald_lvp_jfc .section}",
        "Federal Agency-Regulated Institutions {#section_kkl_lvp_jfc .section}",
        "Identify a Company Contact Person {#section_aw5_qvp_jfc .section}",
        "Identifying Account Administrators {#section_d3f_wvp_jfc .section}",
        "Supporting File \\(state account requests only\\) {#section_cnl_1wp_jfc .section}",
        "Attestation {#section_d21_2wp_jfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/software/acctAdmin/topics/nmls_companyInstitutionAcctForm_completing.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/acctAdmin/topics/nmls_createOrganizatonUser.md:chunk-0",
      "title": "Creating an Organization User {#nmls_createOrganizatonUser .task}",
      "content": "# Creating an Organization User \n\nThe Primary or Secondary Account Administrators \\(AAs\\) are the only individuals that can create and manage other Organization Users \\(OUs\\) to assist with performing tasks in NMLS. Each OU is assigned specific roles by an AA, which determines the tasks that can be performed.\n\n1.  Navigate to the NMLS Login page.\n\n    -   State context.\n    -   Federal context.\n2.  Log in to your NMLS account.\n\n3.  Select **Admin** > **User Account Profiles**.\n\n4.  Enter values for the **First Name**, **Middle Name**, **Last Name**, **Phone Number**, **Email Address**, and **Confirm Email Address** fields.\n\n    **Note:** The **Email Address** must be correct as it will be used by the System to deliver account information.\n\n5.  Select **Next**.\n\n6.  Select the checkbox to the left of each of the desired user role\\(s\\)/permission\\(s\\).\n\n    See User Roles for Organization Users.\n\n7.  Select **Next**.\n\n8.  Select **Finish**.\n\n    A confirmation message is displayed.\n\nThe user name and password information is sent to the email address provided.\n\n-   **User Roles for Organization Users**  \n\n**Parent topic:**Account Administration",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\acctAdmin\\topics\\nmls_createOrganizatonUser.md",
      "relative_path": "maps\\NMLS\\software\\acctAdmin\\topics\\nmls_createOrganizatonUser.md",
      "headings": [
        "Creating an Organization User {#nmls_createOrganizatonUser .task}"
      ],
      "html_link": "/docs/maps/NMLS/software/acctAdmin/topics/nmls_createOrganizatonUser.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/acctAdmin/topics/redFedCompany_requestAcct.md:chunk-0",
      "title": "Request a Company or Institution Account {#redFedCompany_requestAcct .task}",
      "content": "# Request a Company or Institution Account \n\nA state-licensed company for federally registered institution must submit the Company Account Request Form to gain access to NMLS for the first time.\n\nUpon completion of theCompany Account Request Form, the Entitlement Group reviews the request. If approved, new User Names and Passwords are sent, via email, to the Account Administrators identified on the form. The process detailed below is to create an institution account for an institution that has not created a record in NMLS. If the institution has already created a record in NMLS and needs to set up additional Account Administrators please contact the NMLS Entitlement Group. To access the Company Account Request Form:\n\n1.  Navigate to the NMLS Login page.\n\n    -   State context.\n    -   Federal context.\n2.  Log in to your NMLS account.\n\n3.  Select the **Need an Account?** link.\n\n4.  Select **Company / Institution**.\n\n5.  Select the **No** option, in answer to **Does your company currently have a record in NMLS?**\n\n    **Note:** If **Yes** is selected the following message is displayed: `You indicated your company already has a record in NMLS. To request the ability to create and/or submit filings under another filing authority (e.g. State: Non-Depository or Federal) an active Account Administrator for your company must login to NMLS and select the Request Filing Authority option on the left-hand Navigation Panel under the Admin tab. If you are attempting make other changes to your company account or to request changes or additions to your Account Administrators please call the NMLS Call Center at 1-855-665-7123.`\n\n6.  Select **Next**.\n\n7.  Complete the Captcha authentication.\n\n8.  Select **Next**.\n\n    A message is displayed directing you to choose whether your business will conduct activities that are state-regulated, federally-reguated, or both.\n\n9.  Select the appropriate choice\\(s\\):\n\n    -   **State: Non-Depository**\n    -   **Federal**\n10. Select **Next**.\n\n11. ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\acctAdmin\\topics\\redFedCompany_requestAcct.md",
      "relative_path": "maps\\NMLS\\software\\acctAdmin\\topics\\redFedCompany_requestAcct.md",
      "headings": [
        "Request a Company or Institution Account {#redFedCompany_requestAcct .task}"
      ],
      "html_link": "/docs/maps/NMLS/software/acctAdmin/topics/redFedCompany_requestAcct.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/acctAdmin/topics/redFedCompany_requestAcct.md:chunk-1",
      "title": "Request a Company or Institution Account {#redFedCompany_requestAcct .task}",
      "content": "ill conduct activities that are state-regulated, federally-reguated, or both.\n\n9.  Select the appropriate choice\\(s\\):\n\n    -   **State: Non-Depository**\n    -   **Federal**\n10. Select **Next**.\n\n11. Complete the Company Information and Company Headquarters Location sections.\n\n12. Select **Next**.\n\n13. Complete the Contact Employee Information section.\n\n14. Select **Next**.\n\n15. Complete the Information for Federal Agency-Regulated Institutions section.\n\n16. Select **Next**.\n\n17. Complete the Account Administrator \\#1 and \\#2 sections.\n\n18. Select **Next**.\n\n19. Complete the Submitter section.\n\n20. Select **Accept**.\n\n    The Company Account Request Form displays a summary of the Information entered on previous screens.\n\n21. Review the information for accuracy and completeness.\n\n22. Make any needed changes. When complete, select **Submit**.\n\n    The confirmation screen appears. The Account Administrators designated while completing the form will receive two emails \\(one containing the User Name, the other containing the temporary password\\) after the institution request is approved. The approval process may take 24-48 hours.\n\n-   **Completing the Company/Institution Account Request Form**  \nA state-licensed company, federally registered institution, or sole proprietor wishing to apply for a state license or federal registration through NMLS must first obtain a company account on NMLS.\n\n**Parent topic:**Account Administration",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\acctAdmin\\topics\\redFedCompany_requestAcct.md",
      "relative_path": "maps\\NMLS\\software\\acctAdmin\\topics\\redFedCompany_requestAcct.md",
      "headings": [
        "Request a Company or Institution Account {#redFedCompany_requestAcct .task}"
      ],
      "html_link": "/docs/maps/NMLS/software/acctAdmin/topics/redFedCompany_requestAcct.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/acctAdmin/topics/regFedCompany_acctAdmin.md:chunk-0",
      "title": "Account Administration {#regFedCompany_acctAdmin .concept}",
      "content": "# Account Administration \n\nOverview of the account administration process for company and institution Account Administrators.\n\nAccount Administration refers to the management of user accounts. NMLS Entitlement Group and Account Administrators for state-licensed companies and federally registered institutions share responsibility for maintaining user accounts in NMLS.\n\n## Account Administrator \\(Institution\\) \n\nAccount Administrators are identified through the entitlement process and are the only persons inside an institution that can set up access and rights for additional users in NMLS. Since Account Administrators are the only parties that can create and manage users for an institution, it is strongly suggested that at least two Account Administrators are assigned \\(see Choosing your Account Administrators\\). Institutions are allowed up to six Account Administrators, the first two of which can be identified in the Company Account Request Form. Additional Account Administrators can be established by contacting the NMLS call center.\n\n## An Account Administrator can: \n\n-   Create accounts for users in an institution who will be using NMLS. This process systematically creates a user name and password for the user\n-   Manage roles for organization user accounts\n-   Manage system generated notifications\n-   Modify an account admin and/or organization user’s account information \\(First and Last Name, Phone Number and Email Address\\)\n-   Enable or disable an account admin and/or organization user’s accounts\n-   Delete an account admin and /or organization user’s accounts\n-   De-register an organization user’s VIP subscription credential\n\n## An Account Administrator cannot: \n\n-   Manage roles for their own account or the account of another account admin\n-   Create another account administer account\n-   Reset the user name and password for an individual user account\n\n-   **Request a Company or Institution Account**  \nA state-licensed company for federally registered institu",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\acctAdmin\\topics\\regFedCompany_acctAdmin.md",
      "relative_path": "maps\\NMLS\\software\\acctAdmin\\topics\\regFedCompany_acctAdmin.md",
      "headings": [
        "Account Administration {#regFedCompany_acctAdmin .concept}",
        "Account Administrator \\(Institution\\) {#section_mxw_zg5_3fc .section}",
        "An Account Administrator can: {#section_jyw_bh5_3fc .section}",
        "An Account Administrator cannot: {#section_n3c_gh5_3fc .section}"
      ],
      "html_link": "/docs/maps/NMLS/software/acctAdmin/topics/regFedCompany_acctAdmin.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/acctAdmin/topics/regFedCompany_acctAdmin.md:chunk-1",
      "title": "Account Administration {#regFedCompany_acctAdmin .concept}",
      "content": "unt administer account\n-   Reset the user name and password for an individual user account\n\n-   **Request a Company or Institution Account**  \nA state-licensed company for federally registered institution must submit the Company Account Request Form to gain access to NMLS for the first time.\n-   **Choosing your Account Administrators**  \nThe Account Administrators for your company are persons of your company’s choosing that will have full access to your company’s record on NMLS and will be able to fill out and submit a complete company record \\(Form MU1 or MU1R\\) to any participating state regulator or the Federal Registry.\n-   **Creating an Organization User**  \nThe Primary or Secondary Account Administrators \\(AAs\\) are the only individuals that can create and manage other Organization Users \\(OUs\\) to assist with performing tasks in NMLS. Each OU is assigned specific roles by an AA, which determines the tasks that can be performed.\n-   **Managing Organization User Information**  \nHow Account Administrators can modify organization user information in NMLS.\n-   **Modifying Organization User Account Roles**  \nAn Account Administrator can remove access or grant additional access to NMLS functionality by modifying the roles the organization user has.\n-   **Enabling or Disabling User Accounts**  \nAn organization user whose account has been disabled by an account administrator will not be able to log in to NMLS. The user will be able to log in to NMLS only after the account has been enabled by an account administrator.\n-   **Deleting a User Account**  \nA deleted organization user account cannot be re-used. A new user account will have to be created by an account administrator in order for the user to log in to NMLS.\n-   **Account Administrator and Organization User Initial Log in**  \nUpon the initial login to NMLS, Account Administrators and organization users are required to pay the NMLS subscription fee, register their two-factor credential, and reset their password. ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\acctAdmin\\topics\\regFedCompany_acctAdmin.md",
      "relative_path": "maps\\NMLS\\software\\acctAdmin\\topics\\regFedCompany_acctAdmin.md",
      "headings": [
        "Account Administration {#regFedCompany_acctAdmin .concept}",
        "Account Administrator \\(Institution\\) {#section_mxw_zg5_3fc .section}",
        "An Account Administrator can: {#section_jyw_bh5_3fc .section}",
        "An Account Administrator cannot: {#section_n3c_gh5_3fc .section}"
      ],
      "html_link": "/docs/maps/NMLS/software/acctAdmin/topics/regFedCompany_acctAdmin.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/acctAdmin/topics/regFedCompany_acctAdmin.md:chunk-2",
      "title": "Account Administration {#regFedCompany_acctAdmin .concept}",
      "content": "Log in**  \nUpon the initial login to NMLS, Account Administrators and organization users are required to pay the NMLS subscription fee, register their two-factor credential, and reset their password. In addition, they will be required to create a Security Question and Security Answer.\n-   **NMLS Two-Factor Authentication**  \nAn overview of how to obtain a two-factor authentication for NMLS if it is required for your account. Also includes security credential options..\n-   **Managing Notifications**  \nAn Account Administrator or Institution User with the **Manage Notification Contacts** role can manage notifications for an institution.\n\n**Parent topic:**Chapter I—Getting Started on the System",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\acctAdmin\\topics\\regFedCompany_acctAdmin.md",
      "relative_path": "maps\\NMLS\\software\\acctAdmin\\topics\\regFedCompany_acctAdmin.md",
      "headings": [
        "Account Administration {#regFedCompany_acctAdmin .concept}",
        "Account Administrator \\(Institution\\) {#section_mxw_zg5_3fc .section}",
        "An Account Administrator can: {#section_jyw_bh5_3fc .section}",
        "An Account Administrator cannot: {#section_n3c_gh5_3fc .section}"
      ],
      "html_link": "/docs/maps/NMLS/software/acctAdmin/topics/regFedCompany_acctAdmin.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/help/topics/nmlsTermsOfUse.md:chunk-0",
      "title": "NMLS Terms of Use {#xd_0619522dfd5db0be--2eeb9d7e-19707f406a7--7feb .task}",
      "content": "# NMLS Terms of Use \n\nUsers must read and accept the Industry Terms of Use by clicking the **I Agree to the Terms of Use** button after logging in.\n\nBy accessing and using the System, the user acknowledges that they have read, understood and agree to be bound by, and comply with, the terms and conditions stated within the Industry Terms of Use. The State Regulatory Registry LLC reserves the right to change the Terms of Use periodically at its sole discretion.\n\n1.  Scroll through the **Terms of Use** to read them.\n\n2.  Select the**I Agree to the Terms of Use** button.\n\n**Parent topic:**Chapter I—Getting Started on the System",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\help\\topics\\nmlsTermsOfUse.md",
      "relative_path": "maps\\NMLS\\software\\help\\topics\\nmlsTermsOfUse.md",
      "headings": [
        "NMLS Terms of Use {#xd_0619522dfd5db0be--2eeb9d7e-19707f406a7--7feb .task}"
      ],
      "html_link": "/docs/maps/NMLS/software/help/topics/nmlsTermsOfUse.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/help/topics/nmls_viewNMLS_ID.md:chunk-0",
      "title": "Viewing Your NMLS ID {#xd_ff2a55875a5fd4fd--73b64248-1959f08bd95--7ffd .task}",
      "content": "# Viewing Your NMLS ID \n\nFor Individuals with an existing NMLS account, follow these steps to view your NMLS ID.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Your NMLS ID number is displayed next to your name in the upper-left corner of the screen in NMLS Connect.\n\n**Parent topic:**2.0 Test Enrollment Procedures \\(NMLS\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\help\\topics\\nmls_viewNMLS_ID.md",
      "relative_path": "maps\\NMLS\\software\\help\\topics\\nmls_viewNMLS_ID.md",
      "headings": [
        "Viewing Your NMLS ID {#xd_ff2a55875a5fd4fd--73b64248-1959f08bd95--7ffd .task}"
      ],
      "html_link": "/docs/maps/NMLS/software/help/topics/nmls_viewNMLS_ID.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/mu-guides/individualDisclosure/nmls-mu-ind-disclosure_edits_Undoing.md:chunk-0",
      "title": "Undo Changes to an Existing Explanation {#xd_a45a0c95364b0042-37980a01-197bc03c192--7ffd .task}",
      "content": "# Undo Changes to an Existing Explanation \n\nYou can undo changes to a disclosure explanation from the Disclosure Explanations screen.\n\n1.  From the Disclosure Explanations screen, click the **Undo** icon to the left of the explanation.\n\n2.  Select **OK** to confirm you want to undo changes.\n\n**Parent topic:**Providing Disclosure Explanations\n\n**Related information**  \n\nExample One – One Yes Response, One Event\n\nExample Two – One Yes Response, Two Events\n\nExample Three – Two Yes Responses, One Event\n\nExample Four – Adding an Explanation for a No Response\n\nAmending or Deleting an Explanation",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\mu-guides\\individualDisclosure\\nmls-mu-ind-disclosure_edits_Undoing.md",
      "relative_path": "maps\\NMLS\\software\\mu-guides\\individualDisclosure\\nmls-mu-ind-disclosure_edits_Undoing.md",
      "headings": [
        "Undo Changes to an Existing Explanation {#xd_a45a0c95364b0042-37980a01-197bc03c192--7ffd .task}"
      ],
      "html_link": "/docs/maps/NMLS/software/mu-guides/individualDisclosure/nmls-mu-ind-disclosure_edits_Undoing.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/mu-guides/individualDisclosure/nmls-mu-ind-disclosure_edits_Undoing_2.md:chunk-0",
      "title": "Undo Changes to an Existing Explanation {#xd_a45a0c95364b0042-37980a01-197bc03c192--7ffd .task}",
      "content": "# Undo Changes to an Existing Explanation \n\nYou can undo changes to a disclosure explanation from the Disclosure Explanations screen.\n\n1.  From the Disclosure Explanations screen, click the **Undo** icon to the left of the explanation.\n\n2.  Select **OK** to confirm you want to undo changes.\n\n**Parent topic:**Providing Disclosure Explanations\n\n**Related information**  \n\nExample One – One Yes Response, One Event\n\nExample Two – One Yes Response, Two Events\n\nExample Three – Two Yes Responses, One Event\n\nExample Four – Adding an Explanation for a No Response\n\nAmending or Deleting an Explanation",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\mu-guides\\individualDisclosure\\nmls-mu-ind-disclosure_edits_Undoing_2.md",
      "relative_path": "maps\\NMLS\\software\\mu-guides\\individualDisclosure\\nmls-mu-ind-disclosure_edits_Undoing_2.md",
      "headings": [
        "Undo Changes to an Existing Explanation {#xd_a45a0c95364b0042-37980a01-197bc03c192--7ffd .task}"
      ],
      "html_link": "/docs/maps/NMLS/software/mu-guides/individualDisclosure/nmls-mu-ind-disclosure_edits_Undoing_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/mu-guides/individualDisclosure/nmls-mu-indDisc-example_five_amending_or_deleting_an_explanation.md:chunk-0",
      "title": "Amending or Deleting an Explanation {#nmls_mu_indDisc_example_five_amending_or_deleting_an_explanation .task}",
      "content": "# Amending or Deleting an Explanation \n\nAn Explanation may be updated or deleted by clicking the **edit** icon next to the Explanation. However, previously submitted versions of the Explanation will be viewable in Historical Filings even after the Explanation is updated or deleted.\n\n1.  On the Disclosure Explanations screen, click the **Edit**  icon to the left of the explanation.\n\n2.  Select either **Amend** or **Delete**.\n\n    1.  If amending, enter the updated information and an **Amendment Reason**.\n\n    2.  If deleting, enter a **Reason for Deleting the Explanation** \\(required\\).\n\n3.  Select **Save**.\n\n**Parent topic:**Providing Disclosure Explanations\n\n**Related information**  \n\nExample One – One Yes Response, One Event\n\nExample Two – One Yes Response, Two Events\n\nExample Three – Two Yes Responses, One Event\n\nExample Four – Adding an Explanation for a No Response\n\nUndo Changes to an Existing Explanation",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\mu-guides\\individualDisclosure\\nmls-mu-indDisc-example_five_amending_or_deleting_an_explanation.md",
      "relative_path": "maps\\NMLS\\software\\mu-guides\\individualDisclosure\\nmls-mu-indDisc-example_five_amending_or_deleting_an_explanation.md",
      "headings": [
        "Amending or Deleting an Explanation {#nmls_mu_indDisc_example_five_amending_or_deleting_an_explanation .task}"
      ],
      "html_link": "/docs/maps/NMLS/software/mu-guides/individualDisclosure/nmls-mu-indDisc-example_five_amending_or_deleting_an_explanation.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/mu-guides/individualDisclosure/nmls-mu-indDisc-example_five_amending_or_deleting_an_explanation_2.md:chunk-0",
      "title": "Amending or Deleting an Explanation {#nmls_mu_indDisc_example_five_amending_or_deleting_an_explanation .task}",
      "content": "# Amending or Deleting an Explanation \n\nAn Explanation may be updated or deleted by clicking the **edit** icon next to the Explanation. However, previously submitted versions of the Explanation will be viewable in Historical Filings even after the Explanation is updated or deleted.\n\n1.  On the Disclosure Explanations screen, click the **Edit**  icon to the left of the explanation.\n\n2.  Select either **Amend** or **Delete**.\n\n    1.  If amending, enter the updated information and an **Amendment Reason**.\n\n    2.  If deleting, enter a **Reason for Deleting the Explanation** \\(required\\).\n\n3.  Select **Save**.\n\n**Parent topic:**Providing Disclosure Explanations\n\n**Related information**  \n\nExample One – One Yes Response, One Event\n\nExample Two – One Yes Response, Two Events\n\nExample Three – Two Yes Responses, One Event\n\nExample Four – Adding an Explanation for a No Response\n\nUndo Changes to an Existing Explanation",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\mu-guides\\individualDisclosure\\nmls-mu-indDisc-example_five_amending_or_deleting_an_explanation_2.md",
      "relative_path": "maps\\NMLS\\software\\mu-guides\\individualDisclosure\\nmls-mu-indDisc-example_five_amending_or_deleting_an_explanation_2.md",
      "headings": [
        "Amending or Deleting an Explanation {#nmls_mu_indDisc_example_five_amending_or_deleting_an_explanation .task}"
      ],
      "html_link": "/docs/maps/NMLS/software/mu-guides/individualDisclosure/nmls-mu-indDisc-example_five_amending_or_deleting_an_explanation_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/mu-guides/individualDisclosure/nmls-mu-indDisc-example_four_adding_an_explanation_for_a_no_response.md:chunk-0",
      "title": "Example Four – Adding an Explanation for a **No** Response {#nmls_mu_indDisc_example_four_adding_an_explanation_for_a_no_response .task}",
      "content": "# Example Four – Adding an Explanation for a **No** Response \n\n1.  Click **Add Explanation for “No” Responses** on Disclosure Explanations page.\n\n2.  Complete all required fields.\n\n3.  Select all **Applicable Disclosure Questions Category** choices.\n\n4.  Select **Browse** to locate the supporting file in PDF, then select **Open**.\n\n5.  Select **Save**.\n\n    **Note:** Text for the **Event Explanation Detail** may be proofed by selecting the **Spell Check** icon below the text box.\n\n6.  Repeat these steps to add additional explanations.\n\n**Parent topic:**Providing Disclosure Explanations\n\n**Related information**  \n\nExample One – One Yes Response, One Event\n\nExample Two – One Yes Response, Two Events\n\nExample Three – Two Yes Responses, One Event\n\nAmending or Deleting an Explanation\n\nUndo Changes to an Existing Explanation",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\mu-guides\\individualDisclosure\\nmls-mu-indDisc-example_four_adding_an_explanation_for_a_no_response.md",
      "relative_path": "maps\\NMLS\\software\\mu-guides\\individualDisclosure\\nmls-mu-indDisc-example_four_adding_an_explanation_for_a_no_response.md",
      "headings": [
        "Example Four – Adding an Explanation for a **No** Response {#nmls_mu_indDisc_example_four_adding_an_explanation_for_a_no_response .task}"
      ],
      "html_link": "/docs/maps/NMLS/software/mu-guides/individualDisclosure/nmls-mu-indDisc-example_four_adding_an_explanation_for_a_no_response.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/mu-guides/individualDisclosure/nmls-mu-indDisc-example_four_adding_an_explanation_for_a_no_response_2.md:chunk-0",
      "title": "Example Four – Adding an Explanation for a **No** Response {#nmls_mu_indDisc_example_four_adding_an_explanation_for_a_no_response .task}",
      "content": "# Example Four – Adding an Explanation for a **No** Response \n\n1.  Click **Add Explanation for “No” Responses** on Disclosure Explanations page.\n\n2.  Complete all required fields.\n\n3.  Select all **Applicable Disclosure Questions Category** choices.\n\n4.  Select **Browse** to locate the supporting file in PDF, then select **Open**.\n\n5.  Select **Save**.\n\n    **Note:** Text for the **Event Explanation Detail** may be proofed by selecting the **Spell Check** icon below the text box.\n\n6.  Repeat these steps to add additional explanations.\n\n**Parent topic:**Providing Disclosure Explanations\n\n**Related information**  \n\nExample One – One Yes Response, One Event\n\nExample Two – One Yes Response, Two Events\n\nExample Three – Two Yes Responses, One Event\n\nAmending or Deleting an Explanation\n\nUndo Changes to an Existing Explanation",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\mu-guides\\individualDisclosure\\nmls-mu-indDisc-example_four_adding_an_explanation_for_a_no_response_2.md",
      "relative_path": "maps\\NMLS\\software\\mu-guides\\individualDisclosure\\nmls-mu-indDisc-example_four_adding_an_explanation_for_a_no_response_2.md",
      "headings": [
        "Example Four – Adding an Explanation for a **No** Response {#nmls_mu_indDisc_example_four_adding_an_explanation_for_a_no_response .task}"
      ],
      "html_link": "/docs/maps/NMLS/software/mu-guides/individualDisclosure/nmls-mu-indDisc-example_four_adding_an_explanation_for_a_no_response_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/mu-guides/individualDisclosure/nmls-mu-indDisc-example_one_one_yes_response_one_event.md:chunk-0",
      "title": "Example One – One **Yes** Response, One Event {#nmls_mu_indDisc_example_one_one_yes_response_one_event .task}",
      "content": "# Example One – One **Yes** Response, One Event \n\nAn individual has been named in financial services-related consumer-initiated civil litigation \\(Event\\).\n\nThe lawsuit was settled for some amount. In NMLS, the Individual would need to answer Question \\(P\\)\\(3\\), related to certain civil litigation, **Yes**. If the Individual chooses to explain this response in NMLS, he or she would complete an Explanation for the event as follows:\n\n1.  Select **Add Explanation for “Yes” Responses** on the Disclosure Explanations page.\n\n2.  Provide a **Brief Description of Explanation**.\n\n3.  Provide a **Disposition**. If **Other**, also provide **Disposition Description**.\n\n4.  Provide an **Explanation Detail**.\n\n5.  Select the box next to Question \\(P\\)\\(3\\)..\n\n6.  Select **Browse** and choose the supporting file from your computer.\n\n    **Note:** A supporting file should be provided only if applicable.\n\n7.  Select **Save**.\n\nThe Explanation is listed on the Disclosure Explanations list page for the event.\n\n**Parent topic:**Providing Disclosure Explanations\n\n**Related information**  \n\nExample Two – One Yes Response, Two Events\n\nExample Three – Two Yes Responses, One Event\n\nExample Four – Adding an Explanation for a No Response\n\nAmending or Deleting an Explanation\n\nUndo Changes to an Existing Explanation",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\mu-guides\\individualDisclosure\\nmls-mu-indDisc-example_one_one_yes_response_one_event.md",
      "relative_path": "maps\\NMLS\\software\\mu-guides\\individualDisclosure\\nmls-mu-indDisc-example_one_one_yes_response_one_event.md",
      "headings": [
        "Example One – One **Yes** Response, One Event {#nmls_mu_indDisc_example_one_one_yes_response_one_event .task}"
      ],
      "html_link": "/docs/maps/NMLS/software/mu-guides/individualDisclosure/nmls-mu-indDisc-example_one_one_yes_response_one_event.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/mu-guides/individualDisclosure/nmls-mu-indDisc-example_one_one_yes_response_one_event_2.md:chunk-0",
      "title": "Example One – One **Yes** Response, One Event {#nmls_mu_indDisc_example_one_one_yes_response_one_event .task}",
      "content": "# Example One – One **Yes** Response, One Event \n\nAn individual has been named in financial services-related consumer-initiated civil litigation \\(Event\\).\n\nThe lawsuit was settled for some amount. In NMLS, the Individual would need to answer Question \\(P\\)\\(3\\), related to certain civil litigation, **Yes**. If the Individual chooses to explain this response in NMLS, he or she would complete an Explanation for the event as follows:\n\n1.  Select **Add Explanation for “Yes” Responses** on the Disclosure Explanations page.\n\n2.  Provide a **Brief Description of Explanation**.\n\n3.  Provide a **Disposition**. If **Other**, also provide **Disposition Description**.\n\n4.  Provide an **Explanation Detail**.\n\n5.  Select the box next to Question \\(P\\)\\(3\\)..\n\n6.  Select **Browse** and choose the supporting file from your computer.\n\n    **Note:** A supporting file should be provided only if applicable.\n\n7.  Select **Save**.\n\nThe Explanation is listed on the Disclosure Explanations list page for the event.\n\n**Parent topic:**Providing Disclosure Explanations\n\n**Related information**  \n\nExample Two – One Yes Response, Two Events\n\nExample Three – Two Yes Responses, One Event\n\nExample Four – Adding an Explanation for a No Response\n\nAmending or Deleting an Explanation\n\nUndo Changes to an Existing Explanation",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\mu-guides\\individualDisclosure\\nmls-mu-indDisc-example_one_one_yes_response_one_event_2.md",
      "relative_path": "maps\\NMLS\\software\\mu-guides\\individualDisclosure\\nmls-mu-indDisc-example_one_one_yes_response_one_event_2.md",
      "headings": [
        "Example One – One **Yes** Response, One Event {#nmls_mu_indDisc_example_one_one_yes_response_one_event .task}"
      ],
      "html_link": "/docs/maps/NMLS/software/mu-guides/individualDisclosure/nmls-mu-indDisc-example_one_one_yes_response_one_event_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/mu-guides/individualDisclosure/nmls-mu-indDisc-example_three_two_yes_responses_one_event.md:chunk-0",
      "title": "Example Three – Two **Yes** Responses, One Event {#nmls_mu_indDisc_example_three_two_yes_responses_one_event .task}",
      "content": "# Example Three – Two **Yes** Responses, One Event \n\nAn individual was found by a State regulator to have been dishonest, unfair or unethical \\(Regulatory Finding\\). In NMLS, he or she may need to answer questions \\(K\\)\\(1\\) and \\(K\\)\\(8\\), both related to dishonest or deceptive conduct, **Yes**.\n\nIf the individual chooses to explain these responses in NMLS, he or she would complete an Explanation for the Regulatory Finding event as follows:\n\n1.  Select **Add Explanation for “Yes” Responses** on the Disclosure Explanations page.\n\n2.  Provide a **Brief Description of Explanation**.\n\n3.  Provide a **Disposition**. If **Other**, also provide **Disposition Description**.\n\n4.  Provide an **Explanation Detail**.\n\n5.  Select the box next to Questions \\(K\\)\\(1\\) and \\(K\\)\\(8\\) for the Regulatory Finding.\n\n6.  Select **Browse** and choose the supporting file from your computer.\n\n    **Note:** A supporting file should be provided only if applicable.\n\n7.  Select **Save**.\n\nThe Explanation is listed on the Disclosure Explanations list page for the Regulatory Finding.\n\n**Parent topic:**Providing Disclosure Explanations\n\n**Related information**  \n\nExample One – One Yes Response, One Event\n\nExample Two – One Yes Response, Two Events\n\nExample Four – Adding an Explanation for a No Response\n\nAmending or Deleting an Explanation\n\nUndo Changes to an Existing Explanation",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\mu-guides\\individualDisclosure\\nmls-mu-indDisc-example_three_two_yes_responses_one_event.md",
      "relative_path": "maps\\NMLS\\software\\mu-guides\\individualDisclosure\\nmls-mu-indDisc-example_three_two_yes_responses_one_event.md",
      "headings": [
        "Example Three – Two **Yes** Responses, One Event {#nmls_mu_indDisc_example_three_two_yes_responses_one_event .task}"
      ],
      "html_link": "/docs/maps/NMLS/software/mu-guides/individualDisclosure/nmls-mu-indDisc-example_three_two_yes_responses_one_event.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/mu-guides/individualDisclosure/nmls-mu-indDisc-example_three_two_yes_responses_one_event_2.md:chunk-0",
      "title": "Example Three – Two **Yes** Responses, One Event {#nmls_mu_indDisc_example_three_two_yes_responses_one_event .task}",
      "content": "# Example Three – Two **Yes** Responses, One Event \n\nAn individual was found by a State regulator to have been dishonest, unfair or unethical \\(Regulatory Finding\\). In NMLS, he or she may need to answer questions \\(K\\)\\(1\\) and \\(K\\)\\(8\\), both related to dishonest or deceptive conduct, **Yes**.\n\nIf the individual chooses to explain these responses in NMLS, he or she would complete an Explanation for the Regulatory Finding event as follows:\n\n1.  Select **Add Explanation for “Yes” Responses** on the Disclosure Explanations page.\n\n2.  Provide a **Brief Description of Explanation**.\n\n3.  Provide a **Disposition**. If **Other**, also provide **Disposition Description**.\n\n4.  Provide an **Explanation Detail**.\n\n5.  Select the box next to Questions \\(K\\)\\(1\\) and \\(K\\)\\(8\\) for the Regulatory Finding.\n\n6.  Select **Browse** and choose the supporting file from your computer.\n\n    **Note:** A supporting file should be provided only if applicable.\n\n7.  Select **Save**.\n\nThe Explanation is listed on the Disclosure Explanations list page for the Regulatory Finding.\n\n**Parent topic:**Providing Disclosure Explanations\n\n**Related information**  \n\nExample One – One Yes Response, One Event\n\nExample Two – One Yes Response, Two Events\n\nExample Four – Adding an Explanation for a No Response\n\nAmending or Deleting an Explanation\n\nUndo Changes to an Existing Explanation",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\mu-guides\\individualDisclosure\\nmls-mu-indDisc-example_three_two_yes_responses_one_event_2.md",
      "relative_path": "maps\\NMLS\\software\\mu-guides\\individualDisclosure\\nmls-mu-indDisc-example_three_two_yes_responses_one_event_2.md",
      "headings": [
        "Example Three – Two **Yes** Responses, One Event {#nmls_mu_indDisc_example_three_two_yes_responses_one_event .task}"
      ],
      "html_link": "/docs/maps/NMLS/software/mu-guides/individualDisclosure/nmls-mu-indDisc-example_three_two_yes_responses_one_event_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/mu-guides/individualDisclosure/nmls-mu-indDisc-example_two_one_yes_response_two_events.md:chunk-0",
      "title": "Example Two – One **Yes** Response, Two Events {#nmls_mu_indDisc_example_two_one_yes_response_two_events .task}",
      "content": "# Example Two – One **Yes** Response, Two Events \n\nAn individual has twice previously been named in financial services-related consumer-initiated civil litigation \\(Event 1 and Event 2\\). Both lawsuits were settled for some amount.\n\nIn NMLS, the Individual would need to answer Question \\(P\\)\\(3\\), related to certain civil litigation, **Yes**. If the Individual chooses to explain this response in NMLS, he or she would complete a separate Explanation for each event as follows:\n\n**Important:** Repeat the steps below for each event.\n\n1.  Select **Add Explanation for “Yes” Responses** on the Disclosure Explanations page.\n\n2.  Provide a **Brief Description of Explanation**.\n\n3.  Provide a **Disposition**. If **Other**, also provide **Disposition Description**.\n\n4.  Provide an **Explanation Detail**.\n\n5.  Select the box next to Question \\(P\\)\\(3\\)..\n\n6.  Select **Browse** and choose the supporting file from your computer.\n\n    **Note:** A supporting file should be provided only if applicable.\n\n7.  Select **Save**.\n\nA separate Explanation is listed on the Disclosure Explanations list page for each event.\n\n**Parent topic:**Providing Disclosure Explanations\n\n**Related information**  \n\nExample One – One Yes Response, One Event\n\nExample Three – Two Yes Responses, One Event\n\nExample Four – Adding an Explanation for a No Response\n\nAmending or Deleting an Explanation\n\nUndo Changes to an Existing Explanation",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\mu-guides\\individualDisclosure\\nmls-mu-indDisc-example_two_one_yes_response_two_events.md",
      "relative_path": "maps\\NMLS\\software\\mu-guides\\individualDisclosure\\nmls-mu-indDisc-example_two_one_yes_response_two_events.md",
      "headings": [
        "Example Two – One **Yes** Response, Two Events {#nmls_mu_indDisc_example_two_one_yes_response_two_events .task}"
      ],
      "html_link": "/docs/maps/NMLS/software/mu-guides/individualDisclosure/nmls-mu-indDisc-example_two_one_yes_response_two_events.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/mu-guides/individualDisclosure/nmls-mu-indDisc-example_two_one_yes_response_two_events_2.md:chunk-0",
      "title": "Example Two – One **Yes** Response, Two Events {#nmls_mu_indDisc_example_two_one_yes_response_two_events .task}",
      "content": "# Example Two – One **Yes** Response, Two Events \n\nAn individual has twice previously been named in financial services-related consumer-initiated civil litigation \\(Event 1 and Event 2\\). Both lawsuits were settled for some amount.\n\nIn NMLS, the Individual would need to answer Question \\(P\\)\\(3\\), related to certain civil litigation, **Yes**. If the Individual chooses to explain this response in NMLS, he or she would complete a separate Explanation for each event as follows:\n\n**Important:** Repeat the steps below for each event.\n\n1.  Select **Add Explanation for “Yes” Responses** on the Disclosure Explanations page.\n\n2.  Provide a **Brief Description of Explanation**.\n\n3.  Provide a **Disposition**. If **Other**, also provide **Disposition Description**.\n\n4.  Provide an **Explanation Detail**.\n\n5.  Select the box next to Question \\(P\\)\\(3\\)..\n\n6.  Select **Browse** and choose the supporting file from your computer.\n\n    **Note:** A supporting file should be provided only if applicable.\n\n7.  Select **Save**.\n\nA separate Explanation is listed on the Disclosure Explanations list page for each event.\n\n**Parent topic:**Providing Disclosure Explanations\n\n**Related information**  \n\nExample One – One Yes Response, One Event\n\nExample Three – Two Yes Responses, One Event\n\nExample Four – Adding an Explanation for a No Response\n\nAmending or Deleting an Explanation\n\nUndo Changes to an Existing Explanation",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\mu-guides\\individualDisclosure\\nmls-mu-indDisc-example_two_one_yes_response_two_events_2.md",
      "relative_path": "maps\\NMLS\\software\\mu-guides\\individualDisclosure\\nmls-mu-indDisc-example_two_one_yes_response_two_events_2.md",
      "headings": [
        "Example Two – One **Yes** Response, Two Events {#nmls_mu_indDisc_example_two_one_yes_response_two_events .task}"
      ],
      "html_link": "/docs/maps/NMLS/software/mu-guides/individualDisclosure/nmls-mu-indDisc-example_two_one_yes_response_two_events_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/mu-guides/individualDisclosure/nmls_mu_indivdisclosureexp.md:chunk-0",
      "title": "Providing Disclosure Explanations {#nmls_mu_indivdisclosureexp .concept}",
      "content": "# Providing Disclosure Explanations \n\nHow to provide disclosure explanations in NMLS.\n\nUsers of NMLS must provide Disclosure Explanations for any Disclosure Question with a **Yes** response, and may provide explanations for **No** responses. An explanation is intended to provide regulators with additional information necessary for the proper evaluation of a license application.\n\nAn explanation can only be used to provide information for a single event \\(e.g., court order, regulatory action, civil settlement\\). If users have multiple events that require disclosure, they should complete multiple explanations.\n\n**Attention:** Any Explanation and related material, once attested to and submitted, can be amended or replaced, but the original submission will always remain part of the company or individual’s historical record in NMLS. It cannot be completely removed from the company or individual record in NMLS. Please carefully review any Explanation prior to attestation and submission.\n\nEach Explanation is comprised of the following information:\n\nBrief Description of Explanation\n:   A brief statement describing what event the Explanation relates to \\(e.g. `Felony`,`Cease and Desist Order`\\).\n\nDisposition\n:   The current status of the event for which the Explanation is being provided. You can choose from a drop down menu including the following options:\n\n    -   **Pending**\n    -   **On Appeal**\n    -   **Final**\n    -   **Open**\n    -   **Closed**\n    -   **Other**\n\n    If you select **Other**, a **Disposition Description** must be provided.\n\nEvent Explanation Detail \\(4,000 character limit\\)\n:   Provide a detailed description of the event including the date. This field must be completed in order to submit an Explanation. If you chose to provide a supporting document that contains all relevant details, you will need to upload that document as a PDF \\(see Supporting Document below\\) and provide some form of an explanation in this field. The explanation provided should be s",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\mu-guides\\individualDisclosure\\nmls_mu_indivdisclosureexp.md",
      "relative_path": "maps\\NMLS\\software\\mu-guides\\individualDisclosure\\nmls_mu_indivdisclosureexp.md",
      "headings": [
        "Providing Disclosure Explanations {#nmls_mu_indivdisclosureexp .concept}"
      ],
      "html_link": "/docs/maps/NMLS/software/mu-guides/individualDisclosure/nmls_mu_indivdisclosureexp.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/mu-guides/individualDisclosure/nmls_mu_indivdisclosureexp.md:chunk-1",
      "title": "Providing Disclosure Explanations {#nmls_mu_indivdisclosureexp .concept}",
      "content": "tains all relevant details, you will need to upload that document as a PDF \\(see Supporting Document below\\) and provide some form of an explanation in this field. The explanation provided should be specific to the event you are describing related to the disclosure question. The explanation should provide regulators with enough information regarding the event in order for them to complete their review.\n\nApplicable Questions\n:   Select the checkbox next to the disclosure question\\(s\\) with **Yes** responses related to the Explanation you have provided. A single Explanation can be associated to one or more questions and multiple Explanations can be associated to a single question.\n\nSupporting Document\n:   -   You may upload any applicable supporting documentation by browsing for the document on your computer.\n-   Supporting documentation should include official documents that relate to an event, \\(i.e. court order, disposition, administrative action.\\)\n-   Do not combine documents related to multiple events into a single Supporting Document.\n-   Only a single PDF can be uploaded for an event. If you have multiple documents for a single event, you should combine them into a single PDF file.\n-   A PDF file is not required by the system in order to submit an Explanation, though your regulator may subsequently require provision of some form of documentation. Examples of documents may include: Criminal or Civil Court Documents, Administrative Orders, and other public documents. Please contact your regulator if you have specific questions regarding what documents should be provided.\n\nA separate Explanation should be provided for each event resulting in a **Yes** response to a disclosure question. In addition, a single Explanation can be associated to one or more disclosure questions.\n\n**Important:** Once you have completed the remainder of the filing or are ready to submit be sure to do so through the Attest and Submit section.\n\nSee the following examples below regarding ho",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\mu-guides\\individualDisclosure\\nmls_mu_indivdisclosureexp.md",
      "relative_path": "maps\\NMLS\\software\\mu-guides\\individualDisclosure\\nmls_mu_indivdisclosureexp.md",
      "headings": [
        "Providing Disclosure Explanations {#nmls_mu_indivdisclosureexp .concept}"
      ],
      "html_link": "/docs/maps/NMLS/software/mu-guides/individualDisclosure/nmls_mu_indivdisclosureexp.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/mu-guides/individualDisclosure/nmls_mu_indivdisclosureexp.md:chunk-2",
      "title": "Providing Disclosure Explanations {#nmls_mu_indivdisclosureexp .concept}",
      "content": "tions.\n\n**Important:** Once you have completed the remainder of the filing or are ready to submit be sure to do so through the Attest and Submit section.\n\nSee the following examples below regarding how explanations can be entered in NMLS:\n\n-   Example One – One Yes Response, One Event\n-   Example Two – One Yes Response, Two Events\n-   Example Three – Two Yes Responses, One Event\n-   Example Four – Adding an Explanation for a No Response\n-   Amending or Deleting an Explanation\n-   Undo Changes to an Existing Explanation\n\n-   **Example One – One Yes Response, One Event**  \n An individual has been named in financial services-related consumer-initiated civil litigation \\(Event\\).\n-   **Example Two – One Yes Response, Two Events**  \nAn individual has twice previously been named in financial services-related consumer-initiated civil litigation \\(Event 1 and Event 2\\). Both lawsuits were settled for some amount.\n-   **Example Three – Two Yes Responses, One Event**  \nAn individual was found by a State regulator to have been dishonest, unfair or unethical \\(Regulatory Finding\\). In NMLS, he or she may need to answer questions \\(K\\)\\(1\\) and \\(K\\)\\(8\\), both related to dishonest or deceptive conduct, **Yes**.\n-   **Example Four – Adding an Explanation for a No Response**  \n\n-   **Amending or Deleting an Explanation**  \nAn Explanation may be updated or deleted by clicking the **edit** icon next to the Explanation. However, previously submitted versions of the Explanation will be viewable in Historical Filings even after the Explanation is updated or deleted.\n-   **Undo Changes to an Existing Explanation**  \nYou can undo changes to a disclosure explanation from the Disclosure Explanations screen.\n\n**Parent topic:**Providing Disclosure Explanations",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\mu-guides\\individualDisclosure\\nmls_mu_indivdisclosureexp.md",
      "relative_path": "maps\\NMLS\\software\\mu-guides\\individualDisclosure\\nmls_mu_indivdisclosureexp.md",
      "headings": [
        "Providing Disclosure Explanations {#nmls_mu_indivdisclosureexp .concept}"
      ],
      "html_link": "/docs/maps/NMLS/software/mu-guides/individualDisclosure/nmls_mu_indivdisclosureexp.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/mu-guides/individualDisclosure/nmls_mu_indivdisclosureexp_2.md:chunk-0",
      "title": "Providing Disclosure Explanations {#nmls_mu_indivdisclosureexp .concept}",
      "content": "# Providing Disclosure Explanations \n\nHow to provide disclosure explanations in NMLS.\n\nUsers of NMLS must provide Disclosure Explanations for any Disclosure Question with a **Yes** response, and may provide explanations for **No** responses. An explanation is intended to provide regulators with additional information necessary for the proper evaluation of a license application.\n\nAn explanation can only be used to provide information for a single event \\(e.g., court order, regulatory action, civil settlement\\). If users have multiple events that require disclosure, they should complete multiple explanations.\n\n**Attention:** Any Explanation and related material, once attested to and submitted, can be amended or replaced, but the original submission will always remain part of the company or individual’s historical record in NMLS. It cannot be completely removed from the company or individual record in NMLS. Please carefully review any Explanation prior to attestation and submission.\n\nEach Explanation is comprised of the following information:\n\nBrief Description of Explanation\n:   A brief statement describing what event the Explanation relates to \\(e.g. `Felony`,`Cease and Desist Order`\\).\n\nDisposition\n:   The current status of the event for which the Explanation is being provided. You can choose from a drop down menu including the following options:\n\n    -   **Pending**\n    -   **On Appeal**\n    -   **Final**\n    -   **Open**\n    -   **Closed**\n    -   **Other**\n\n    If you select **Other**, a **Disposition Description** must be provided.\n\nEvent Explanation Detail \\(4,000 character limit\\)\n:   Provide a detailed description of the event including the date. This field must be completed in order to submit an Explanation. If you chose to provide a supporting document that contains all relevant details, you will need to upload that document as a PDF \\(see Supporting Document below\\) and provide some form of an explanation in this field. The explanation provided should be s",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\mu-guides\\individualDisclosure\\nmls_mu_indivdisclosureexp_2.md",
      "relative_path": "maps\\NMLS\\software\\mu-guides\\individualDisclosure\\nmls_mu_indivdisclosureexp_2.md",
      "headings": [
        "Providing Disclosure Explanations {#nmls_mu_indivdisclosureexp .concept}"
      ],
      "html_link": "/docs/maps/NMLS/software/mu-guides/individualDisclosure/nmls_mu_indivdisclosureexp_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/mu-guides/individualDisclosure/nmls_mu_indivdisclosureexp_2.md:chunk-1",
      "title": "Providing Disclosure Explanations {#nmls_mu_indivdisclosureexp .concept}",
      "content": "tains all relevant details, you will need to upload that document as a PDF \\(see Supporting Document below\\) and provide some form of an explanation in this field. The explanation provided should be specific to the event you are describing related to the disclosure question. The explanation should provide regulators with enough information regarding the event in order for them to complete their review.\n\nApplicable Questions\n:   Select the checkbox next to the disclosure question\\(s\\) with **Yes** responses related to the Explanation you have provided. A single Explanation can be associated to one or more questions and multiple Explanations can be associated to a single question.\n\nSupporting Document\n:   -   You may upload any applicable supporting documentation by browsing for the document on your computer.\n-   Supporting documentation should include official documents that relate to an event, \\(i.e. court order, disposition, administrative action.\\)\n-   Do not combine documents related to multiple events into a single Supporting Document.\n-   Only a single PDF can be uploaded for an event. If you have multiple documents for a single event, you should combine them into a single PDF file.\n-   A PDF file is not required by the system in order to submit an Explanation, though your regulator may subsequently require provision of some form of documentation. Examples of documents may include: Criminal or Civil Court Documents, Administrative Orders, and other public documents. Please contact your regulator if you have specific questions regarding what documents should be provided.\n\nA separate Explanation should be provided for each event resulting in a **Yes** response to a disclosure question. In addition, a single Explanation can be associated to one or more disclosure questions.\n\n**Important:** Once you have completed the remainder of the filing or are ready to submit be sure to do so through the Attest and Submit section.\n\nSee the following examples below regarding ho",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\mu-guides\\individualDisclosure\\nmls_mu_indivdisclosureexp_2.md",
      "relative_path": "maps\\NMLS\\software\\mu-guides\\individualDisclosure\\nmls_mu_indivdisclosureexp_2.md",
      "headings": [
        "Providing Disclosure Explanations {#nmls_mu_indivdisclosureexp .concept}"
      ],
      "html_link": "/docs/maps/NMLS/software/mu-guides/individualDisclosure/nmls_mu_indivdisclosureexp_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/mu-guides/individualDisclosure/nmls_mu_indivdisclosureexp_2.md:chunk-2",
      "title": "Providing Disclosure Explanations {#nmls_mu_indivdisclosureexp .concept}",
      "content": "tions.\n\n**Important:** Once you have completed the remainder of the filing or are ready to submit be sure to do so through the Attest and Submit section.\n\nSee the following examples below regarding how explanations can be entered in NMLS:\n\n-   Example One – One Yes Response, One Event\n-   Example Two – One Yes Response, Two Events\n-   Example Three – Two Yes Responses, One Event\n-   Example Four – Adding an Explanation for a No Response\n-   Amending or Deleting an Explanation\n-   Undo Changes to an Existing Explanation\n\n-   **Example One – One Yes Response, One Event**  \n An individual has been named in financial services-related consumer-initiated civil litigation \\(Event\\).\n-   **Example Two – One Yes Response, Two Events**  \nAn individual has twice previously been named in financial services-related consumer-initiated civil litigation \\(Event 1 and Event 2\\). Both lawsuits were settled for some amount.\n-   **Example Three – Two Yes Responses, One Event**  \nAn individual was found by a State regulator to have been dishonest, unfair or unethical \\(Regulatory Finding\\). In NMLS, he or she may need to answer questions \\(K\\)\\(1\\) and \\(K\\)\\(8\\), both related to dishonest or deceptive conduct, **Yes**.\n-   **Example Four – Adding an Explanation for a No Response**  \n\n-   **Amending or Deleting an Explanation**  \nAn Explanation may be updated or deleted by clicking the **edit** icon next to the Explanation. However, previously submitted versions of the Explanation will be viewable in Historical Filings even after the Explanation is updated or deleted.\n-   **Undo Changes to an Existing Explanation**  \nYou can undo changes to a disclosure explanation from the Disclosure Explanations screen.\n\n**Parent topic:**Appendices",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\mu-guides\\individualDisclosure\\nmls_mu_indivdisclosureexp_2.md",
      "relative_path": "maps\\NMLS\\software\\mu-guides\\individualDisclosure\\nmls_mu_indivdisclosureexp_2.md",
      "headings": [
        "Providing Disclosure Explanations {#nmls_mu_indivdisclosureexp .concept}"
      ],
      "html_link": "/docs/maps/NMLS/software/mu-guides/individualDisclosure/nmls_mu_indivdisclosureexp_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/mu-guides/mu2-4/mu-ind/nmls-mu-2-4-requestingCBC.md:chunk-0",
      "title": "Authorizing a Criminal Background Check {#nmls_mu_2_4_requestingCBC .task}",
      "content": "# Authorizing a Criminal Background Check \n\nHow to authorize a criminal background check in NMLS.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Navigate to your MU4 Filing.\n\n    -   If you already have a license and need to make an update, select **Update Record** from the Actions section.\n    -   If you already have a filing in progress, select the **MU4 Filing** link under My Tasks.\n    -   If you are completing a new license application, select the **Add New License** button.\n    An MU4 Form is opened.\n\n4.  Select the **Criminal Background Check** link in the left navigation panel.\n\n5.  Select **I am requesting a Federal Criminal Background Check**.\n\n6.  Confirm one of the following background check methods:\n\n    \\(Only methods available to you will be displayed.\\)\n\n    -   **Submit New Prints**\n    -   **Use Existing Prints**\n7.  Complete the Demographic Information section.\n\n8.  Select **Save**.\n\n1.  Attesting to Your Individual MU4 Filing\n2.  Paying for an Individual MU4 Filing\n3.  Scheduling Your Fingerprinting Appointment\n\n**Parent topic:**Completing the Criminal Background Check Process",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\mu-guides\\mu2-4\\mu-ind\\nmls-mu-2-4-requestingCBC.md",
      "relative_path": "maps\\NMLS\\software\\mu-guides\\mu2-4\\mu-ind\\nmls-mu-2-4-requestingCBC.md",
      "headings": [
        "Authorizing a Criminal Background Check {#nmls_mu_2_4_requestingCBC .task}"
      ],
      "html_link": "/docs/maps/NMLS/software/mu-guides/mu2-4/mu-ind/nmls-mu-2-4-requestingCBC.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/mu-guides/mu2-4/mu-ind/nmls-mu-2-4-schedFingerprints.md:chunk-0",
      "title": "Scheduling Your Fingerprinting Appointment {#nmls_mu_2_4_schedFingerprints .task}",
      "content": "# Scheduling Your Fingerprinting Appointment \n\nHow to schedule a fingerprinting appointment with Fieldprint after submitting your Individual MU Form.\n\nAfter you attest and submit your individual MU form, payment is made. Once payment has been submitted, a fingerprinting appointment must be completed if **Submit New Prints** was the CBC method selected in the MU Form. If you have any questions, about this process, contact Fieldprint at \\(877\\) 614-4361.\n\n1.  Navigate to the NMLS Login page.\n\n    -   State context.\n    -   Federal context.\n2.  Log in to your NMLS account.\n\n3.  Go to the fingerprint scheduling section of NMLS.\n\n    -   If you are a state-licensed individual, select **Schedule Fingerprints** in the Quick Links section.\n    -   If you are a federally registered MLO, select **Composite View** > **View Individual** > **View Criminal Background Check Requests** > **Schedule Your Fingerprinting Appointment**\n    The Fieldprint website opens in a new tab.\n\n    **Note:** Fieldprint is the NMLS approved fingerprint vendor. From the Fieldprint website, a user can set a fingerprint appointment or reschedule an existing appointment.\n\n4.  **On the Fieldprint website:**\n5.  Click **Sign Up**.\n\n6.  Read the E-Sign Act Closure and Consent Agreement and click **I Agree** at the bottom of the page.\n\n    The Create Account page is displayed.\n\n7.  Enter the required information to create an account and click **Continue**.\n\n    The Verify Account page is displayed.\n\n8.  Check your email for a verification code sent from `auth@fieldprint.com`.\n\n    **Note:** You may need to check you Junk or Spam folder.\n\n9.  Enter your verification code and click **Complete Registration**.\n\n10. Enter your **Username** and **Password** and click **Login**.\n\n11. Select the relevant choice on the Additional Licenses and Processing page:\n\n    -   **State** for Florida and/or Hawaii.\n    -   **Federal Registrants**\n    -   **Nothing above is my case**\n12. Complete the required fields on the Per",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\mu-guides\\mu2-4\\mu-ind\\nmls-mu-2-4-schedFingerprints.md",
      "relative_path": "maps\\NMLS\\software\\mu-guides\\mu2-4\\mu-ind\\nmls-mu-2-4-schedFingerprints.md",
      "headings": [
        "Scheduling Your Fingerprinting Appointment {#nmls_mu_2_4_schedFingerprints .task}"
      ],
      "html_link": "/docs/maps/NMLS/software/mu-guides/mu2-4/mu-ind/nmls-mu-2-4-schedFingerprints.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/mu-guides/mu2-4/mu-ind/nmls-mu-2-4-schedFingerprints.md:chunk-1",
      "title": "Scheduling Your Fingerprinting Appointment {#nmls_mu_2_4_schedFingerprints .task}",
      "content": " Additional Licenses and Processing page:\n\n    -   **State** for Florida and/or Hawaii.\n    -   **Federal Registrants**\n    -   **Nothing above is my case**\n12. Complete the required fields on the Personal Information page and click **Continue**.\n\n13. Use the Schedule Appointment page to find a location and schedule an appointment.\n\n14. Click **Continue**.\n\n15. Review your appointment details and click **Finish Scheduling**.\n\nComplete the scheduled fingerprinting appointment at the Fieldprint location you chose.\n\n**Parent topic:**Criminal Background Check\n\n**Related information**  \n\nPrivacy Act Statement\n\nBenefits of Electronic \\(Live Scan\\) vs. Paper Card Fingerprint Capture",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\mu-guides\\mu2-4\\mu-ind\\nmls-mu-2-4-schedFingerprints.md",
      "relative_path": "maps\\NMLS\\software\\mu-guides\\mu2-4\\mu-ind\\nmls-mu-2-4-schedFingerprints.md",
      "headings": [
        "Scheduling Your Fingerprinting Appointment {#nmls_mu_2_4_schedFingerprints .task}"
      ],
      "html_link": "/docs/maps/NMLS/software/mu-guides/mu2-4/mu-ind/nmls-mu-2-4-schedFingerprints.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/mu-guides/mu2-4/mu-ind/nmls-mu-2-4-schedFingerprints_2.md:chunk-0",
      "title": "Scheduling Your Fingerprinting Appointment {#nmls_mu_2_4_schedFingerprints .task}",
      "content": "# Scheduling Your Fingerprinting Appointment \n\nHow to schedule a fingerprinting appointment with Fieldprint after submitting your Individual MU Form.\n\nAfter you attest and submit your individual MU form, payment is made. Once payment has been submitted, a fingerprinting appointment must be completed if **Submit New Prints** was the CBC method selected in the MU Form. If you have any questions, about this process, contact Fieldprint at \\(877\\) 614-4361.\n\n1.  Navigate to the NMLS Login page.\n\n    -   State context.\n    -   Federal context.\n2.  Log in to your NMLS account.\n\n3.  Go to the fingerprint scheduling section of NMLS.\n\n    -   If you are a state-licensed individual, select **Schedule Fingerprints** in the Quick Links section.\n    -   If you are a federally registered MLO, select **Composite View** > **View Individual** > **View Criminal Background Check Requests** > **Schedule Your Fingerprinting Appointment**\n    The Fieldprint website opens in a new tab.\n\n    **Note:** Fieldprint is the NMLS approved fingerprint vendor. From the Fieldprint website, a user can set a fingerprint appointment or reschedule an existing appointment.\n\n4.  **On the Fieldprint website:**\n5.  Click **Sign Up**.\n\n6.  Read the E-Sign Act Closure and Consent Agreement and click **I Agree** at the bottom of the page.\n\n    The Create Account page is displayed.\n\n7.  Enter the required information to create an account and click **Continue**.\n\n    The Verify Account page is displayed.\n\n8.  Check your email for a verification code sent from `auth@fieldprint.com`.\n\n    **Note:** You may need to check you Junk or Spam folder.\n\n9.  Enter your verification code and click **Complete Registration**.\n\n10. Enter your **Username** and **Password** and click **Login**.\n\n11. Select the relevant choice on the Additional Licenses and Processing page:\n\n    -   **State** for Florida and/or Hawaii.\n    -   **Federal Registrants**\n    -   **Nothing above is my case**\n12. Complete the required fields on the Per",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\mu-guides\\mu2-4\\mu-ind\\nmls-mu-2-4-schedFingerprints_2.md",
      "relative_path": "maps\\NMLS\\software\\mu-guides\\mu2-4\\mu-ind\\nmls-mu-2-4-schedFingerprints_2.md",
      "headings": [
        "Scheduling Your Fingerprinting Appointment {#nmls_mu_2_4_schedFingerprints .task}"
      ],
      "html_link": "/docs/maps/NMLS/software/mu-guides/mu2-4/mu-ind/nmls-mu-2-4-schedFingerprints_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/mu-guides/mu2-4/mu-ind/nmls-mu-2-4-schedFingerprints_2.md:chunk-1",
      "title": "Scheduling Your Fingerprinting Appointment {#nmls_mu_2_4_schedFingerprints .task}",
      "content": " Additional Licenses and Processing page:\n\n    -   **State** for Florida and/or Hawaii.\n    -   **Federal Registrants**\n    -   **Nothing above is my case**\n12. Complete the required fields on the Personal Information page and click **Continue**.\n\n13. Use the Schedule Appointment page to find a location and schedule an appointment.\n\n14. Click **Continue**.\n\n15. Review your appointment details and click **Finish Scheduling**.\n\nComplete the scheduled fingerprinting appointment at the Fieldprint location you chose.\n\n**Parent topic:**Completing the Criminal Background Check Process",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\mu-guides\\mu2-4\\mu-ind\\nmls-mu-2-4-schedFingerprints_2.md",
      "relative_path": "maps\\NMLS\\software\\mu-guides\\mu2-4\\mu-ind\\nmls-mu-2-4-schedFingerprints_2.md",
      "headings": [
        "Scheduling Your Fingerprinting Appointment {#nmls_mu_2_4_schedFingerprints .task}"
      ],
      "html_link": "/docs/maps/NMLS/software/mu-guides/mu2-4/mu-ind/nmls-mu-2-4-schedFingerprints_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/mu-guides/mu2-4/mu-ind/nmls-mu-del_amend_docs_individualFiling.md:chunk-0",
      "title": "Deleting and Amending Uploaded Documentation {#nmls_mu_del_amend_docs_individualFiling .task}",
      "content": "# Deleting and Amending Uploaded Documentation \n\nHow to delete or amend documents uploaded to the Individual MU4 Form.\n\nNMLS stores all documents that have been uploaded on your record after you attest and submit. If you need to delete or amend a document for any reason, you can do so; however the system will still store your previously uploaded filings historically.\n\n**Note:** See About the Document Library for more information on what regulators and company users can view in NMLS.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Select **Update Record** in the Quick Links section.\n\n    The MU4 Form is opened.\n\n4.  Select the **Document Library** link on the left navigation panel.\n\n5.  Click the **Delete** or **Edit** icon for the desired document.\n\n    **Note:** When amending an existing document, you must provide an amendment explanation. When deleting an existing document, you must provide a reason for deletion.\n\n**Parent topic:**Completing an Individual MU4 Amendment Filing\n\n**Related information**  \n\nDocument Upload Descriptions and Examples",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\mu-guides\\mu2-4\\mu-ind\\nmls-mu-del_amend_docs_individualFiling.md",
      "relative_path": "maps\\NMLS\\software\\mu-guides\\mu2-4\\mu-ind\\nmls-mu-del_amend_docs_individualFiling.md",
      "headings": [
        "Deleting and Amending Uploaded Documentation {#nmls_mu_del_amend_docs_individualFiling .task}"
      ],
      "html_link": "/docs/maps/NMLS/software/mu-guides/mu2-4/mu-ind/nmls-mu-del_amend_docs_individualFiling.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/mu-guides/mu2-4/mu-ind/nmls-mu-upload_docs_individualFiling.md:chunk-0",
      "title": "Upload Documents for Individual Filings {#nmls_mu_upload_docs_individualFiling .concept}",
      "content": "# Upload Documents for Individual Filings \n\nNMLS includes functionality that allows an individual to upload documentation required for Individual Forms \\(MU2/MU4\\) as required by your state regulator.\n\nWhen uploading a document in NMLS:\n\n-   Only upload documents that are applicable to the type of document selected from the **Document Type** drop-down menu.\n-   If you need to upload a document for an explanation regarding bankruptcy, foreclosure actions, outstanding judgments or liens, or delinquent child support payments, these should be addressed in the Disclosure Explanation section of your Individual \\(MU2/MU4\\) filing and not in the Document Upload section.\n-   If you have multiple documents for one document type, combine them into one PDF and upload as one document.\n-   File names must adhere to the specifications provided in the Document Upload Descriptions and Examples.\n-   See About the Document Library for more information on what regulators and company users can view in NMLS.\n\n    **Note:** NMLS does not provide the ability to upload all documents a state agency may require. **Do not upload documentation into NMLS that is not available for selection.**.\n\n**Related information**  \n\nDocument Upload Descriptions and Examples",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\mu-guides\\mu2-4\\mu-ind\\nmls-mu-upload_docs_individualFiling.md",
      "relative_path": "maps\\NMLS\\software\\mu-guides\\mu2-4\\mu-ind\\nmls-mu-upload_docs_individualFiling.md",
      "headings": [
        "Upload Documents for Individual Filings {#nmls_mu_upload_docs_individualFiling .concept}"
      ],
      "html_link": "/docs/maps/NMLS/software/mu-guides/mu2-4/mu-ind/nmls-mu-upload_docs_individualFiling.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/mu-guides/mu2-4/mu-ind/nmls-mu4-enrolling_in_a_test.md:chunk-0",
      "title": "Enrolling in the SAFE MLO Test {#nmls_mu4_enrolling_in_a_test .task}",
      "content": "# Enrolling in the SAFE MLO Test \n\nMany state agencies require a passing score on the National Component with Uniform State Content and/or State Components of the SAFE MLO Test and completion of pre-licensure education prior to submitting the Individual \\(MU4\\) Form application for licensure.\n\nThe next steps will walk you through enrolling in a test. For more information, see the MLO Education and Testing Guide.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Click the **Testing Home** tile in the Quick Links section.\n\n4.  Click the **Pay for Test** button.\n\n5.  Click **National Test with UST**.\n\n    **Note:** Click the **Pay for Tests in Cart** link on the left navigation panel to pay for SAFE tests that may already exist in your Test Cart.\n\n6.  Click the **Add to Cart** button.\n\n    **Note:** If applicable, click the **Remove** button to delete SAFE tests from your Test Cart.\n\n7.  Click the **Proceed to Candidate Agreement** button.\n\n8.  Review the agreement and click the **I Accept** button.\n\n9.  Click the **Pay Invoice** button to continue to the payment screens and remit payment.\n\nYou have successfully enrolled in a test.\n\nYou should receive an email confirmation instructing you to schedule your test.\n\nClick the **Testing Home** tile in the Quick Links section, and click the **Schedule - Test Center** button. You will be directed to the Prometric website to schedule an appointment to take the test.\n\n**Parent topic:**Passing the SAFE MLO Test",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\mu-guides\\mu2-4\\mu-ind\\nmls-mu4-enrolling_in_a_test.md",
      "relative_path": "maps\\NMLS\\software\\mu-guides\\mu2-4\\mu-ind\\nmls-mu4-enrolling_in_a_test.md",
      "headings": [
        "Enrolling in the SAFE MLO Test {#nmls_mu4_enrolling_in_a_test .task}"
      ],
      "html_link": "/docs/maps/NMLS/software/mu-guides/mu2-4/mu-ind/nmls-mu4-enrolling_in_a_test.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/mu-guides/mu2-4/mu-ind/nmls-mu4-granting_access_to_your_company.md:chunk-0",
      "title": "Granting Access to Your Company {#nmls_mu4_granting_access_to_your_company .task}",
      "content": "# Granting Access to Your Company \n\nProvide your company access to your NMLS record so that they can sponsor your license \\(if their license is managed through NMLS\\).\n\nIf an individual already exists in the system and this individual wishes to have a license sponsored by their employer, the individual must provide company access to their record before a company can view the individual’s record and establish a relationship with the individual.\n\nThrough this process, individuals always stay in control of their record in NMLS.\n\nIf an individual no longer wishes for a company to have access to their record, they must remove company access. Removing company access to an individual’s record is separate from ending a relationship with a company. An individual must do both if they wish to prevent a company from viewing their record.\n\nThe system prohibits Company Access from being removed by an individual if an active Relationship or Sponsorship with the company exists.\n\nCompany Access\n\nCompany Relationship\n\nSponsoring a License\n\n1.  Obtain your company's NMLS ID.\n\n2.  Navigate to the NMLS Login page \\(State Context\\).\n\n3.  Log in to your NMLS account.\n\n4.  Select the **Company Access** tab on the My NMLS screen in NMLS Connect.\n\n5.  Search for the company NMLS ID number or the exact name of the company and click the **Search Icon**.\n\n6.  Click the **Grant Access** link for the desired company.\n\n    The selected company now has access to your NMLS record.\n\n7.  Notify your company that access has been granted so they can sponsor your license. See Getting Sponsored by Your Employer for more information.\n\n**Parent topic:**Working with Your Employer for License or Registration Applications\n\n**NMLS Policy Guide**  \n\nCompany Access\n\n**Company Licensing Guide**  \n\nMLO Access, Relationship, and Sponsorship",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\mu-guides\\mu2-4\\mu-ind\\nmls-mu4-granting_access_to_your_company.md",
      "relative_path": "maps\\NMLS\\software\\mu-guides\\mu2-4\\mu-ind\\nmls-mu4-granting_access_to_your_company.md",
      "headings": [
        "Granting Access to Your Company {#nmls_mu4_granting_access_to_your_company .task}"
      ],
      "html_link": "/docs/maps/NMLS/software/mu-guides/mu2-4/mu-ind/nmls-mu4-granting_access_to_your_company.html",
      "snippet": null
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    {
      "id": "maps/NMLS/software/mu-guides/mu2-4/mu-ind/nmls-mu4-request_an_individual_nmls_account.md:chunk-0",
      "title": "Request an Individual NMLS Account {#nmls_mu4_request_an_individual_nmls_account .task}",
      "content": "# Request an Individual NMLS Account \n\nIf you are a Mortgage Loan Originator, Control Person, Qualifying Individual, or Branch Manager, you need an NMLS Account to create and attest to your record in NMLS.\n\n**Important:** Maintain your User Name, Password, and unique individual NMLS ID number in a safe location.\n\nYour User Name and Password are used to:\n\n-   access your NMLS record\n-   attest to your record\n-   grant a company access to your record\n-   terminate your relationship with a company\n-   renewing your license \\(mortgage loan originators\\)\n\n**Important:** Creating an individual account establishes a permanent record in NMLS. Individual records are NOT to be created for training purposes.\n\nUse the Log in screen to request your individual NMLS account.\n\n1.  Navigate to the NMLS Login page.\n\n    -   State context.\n    -   Federal context.\n2.  Click the **Request an Account** link.\n\n3.  Enter the CAPTCHA information and click **Next**.\n\n4.  Provide the information requested on the Create Individual User Account page.\n\n    **Note:** Use your `FULL LEGAL NAME` \\(as it shows on a government issued ID\\) and an `EMAIL ADDRESS` that is readily accessible.\n\n5.  Click **Finish** to confirm.\n\n    A confirmation message containing your `User Name` and `Individual NMLS ID number` will be displayed.\n\n    An email notification is sent to your provided email address containing your user name and password.\n\nYou have created an individual NMLS User Account, and can proceed to use the system.\n\n**Parent topic:**Individual MU4R Registration",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\mu-guides\\mu2-4\\mu-ind\\nmls-mu4-request_an_individual_nmls_account.md",
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      "headings": [
        "Request an Individual NMLS Account {#nmls_mu4_request_an_individual_nmls_account .task}"
      ],
      "html_link": "/docs/maps/NMLS/software/mu-guides/mu2-4/mu-ind/nmls-mu4-request_an_individual_nmls_account.html",
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    {
      "id": "maps/NMLS/software/mu-guides/mu2-4/mu-ind/nmls-mu4-request_an_individual_nmls_account_2.md:chunk-0",
      "title": "Request an Individual NMLS Account {#nmls_mu4_request_an_individual_nmls_account .task}",
      "content": "# Request an Individual NMLS Account \n\nIf you are a Mortgage Loan Originator, Control Person, Qualifying Individual, or Branch Manager, you need an NMLS Account to create and attest to your record in NMLS.\n\n**Important:** Maintain your User Name, Password, and unique individual NMLS ID number in a safe location.\n\nYour User Name and Password are used to:\n\n-   access your NMLS record\n-   attest to your record\n-   grant a company access to your record\n-   terminate your relationship with a company\n-   renewing your license \\(mortgage loan originators\\)\n\n**Important:** Creating an individual account establishes a permanent record in NMLS. Individual records are NOT to be created for training purposes.\n\nUse the Log in screen to request your individual NMLS account.\n\n1.  Navigate to the NMLS Login page.\n\n    -   State context.\n    -   Federal context.\n2.  Click the **Request an Account** link.\n\n3.  Enter the CAPTCHA information and click **Next**.\n\n4.  Provide the information requested on the Create Individual User Account page.\n\n    **Note:** Use your `FULL LEGAL NAME` \\(as it shows on a government issued ID\\) and an `EMAIL ADDRESS` that is readily accessible.\n\n5.  Click **Finish** to confirm.\n\n    A confirmation message containing your `User Name` and `Individual NMLS ID number` will be displayed.\n\n    An email notification is sent to your provided email address containing your user name and password.\n\nYou have created an individual NMLS User Account, and can proceed to use the system.\n\n**Parent topic:**User Accounts and Profiles",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\mu-guides\\mu2-4\\mu-ind\\nmls-mu4-request_an_individual_nmls_account_2.md",
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      "headings": [
        "Request an Individual NMLS Account {#nmls_mu4_request_an_individual_nmls_account .task}"
      ],
      "html_link": "/docs/maps/NMLS/software/mu-guides/mu2-4/mu-ind/nmls-mu4-request_an_individual_nmls_account_2.html",
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      "id": "maps/NMLS/software/mu-guides/mu2-4/mu-ind/nmls-mu4-request_an_individual_nmls_account_3.md:chunk-0",
      "title": "Request an Individual NMLS Account {#nmls_mu4_request_an_individual_nmls_account .task}",
      "content": "# Request an Individual NMLS Account \n\nIf you are a Mortgage Loan Originator, Control Person, Qualifying Individual, or Branch Manager, you need an NMLS Account to create and attest to your record in NMLS.\n\n**Important:** Maintain your User Name, Password, and unique individual NMLS ID number in a safe location.\n\nYour User Name and Password are used to:\n\n-   access your NMLS record\n-   attest to your record\n-   grant a company access to your record\n-   terminate your relationship with a company\n-   renewing your license \\(mortgage loan originators\\)\n\n**Important:** Creating an individual account establishes a permanent record in NMLS. Individual records are NOT to be created for training purposes.\n\nUse the Log in screen to request your individual NMLS account.\n\n1.  Navigate to the NMLS Login page.\n\n    -   State context.\n    -   Federal context.\n2.  Click the **Request an Account** link.\n\n3.  Enter the CAPTCHA information and click **Next**.\n\n4.  Provide the information requested on the Create Individual User Account page.\n\n    **Note:** Use your `FULL LEGAL NAME` \\(as it shows on a government issued ID\\) and an `EMAIL ADDRESS` that is readily accessible.\n\n5.  Click **Finish** to confirm.\n\n    A confirmation message containing your `User Name` and `Individual NMLS ID number` will be displayed.\n\n    An email notification is sent to your provided email address containing your user name and password.\n\nYou have created an individual NMLS User Account, and can proceed to use the system.\n\n**Parent topic:**2.0 Test Enrollment Procedures \\(NMLS\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\mu-guides\\mu2-4\\mu-ind\\nmls-mu4-request_an_individual_nmls_account_3.md",
      "relative_path": "maps\\NMLS\\software\\mu-guides\\mu2-4\\mu-ind\\nmls-mu4-request_an_individual_nmls_account_3.md",
      "headings": [
        "Request an Individual NMLS Account {#nmls_mu4_request_an_individual_nmls_account .task}"
      ],
      "html_link": "/docs/maps/NMLS/software/mu-guides/mu2-4/mu-ind/nmls-mu4-request_an_individual_nmls_account_3.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/mu-guides/mu2-4/mu-ind/nmls-mu4-requestingCreditRpt.md:chunk-0",
      "title": "Requesting a Credit Check in NMLS {#nmls_mu4_requestingCreditRpt .task}",
      "content": "# Requesting a Credit Check in NMLS \n\nHow to request a credit report as part of the Individual MU4 form in NMLS.\n\nThese instructions explain the process of submitting a credit report request in NMLS. Upon requesting a credit report for the first time, individuals are required to complete an identity verification \\(IDV\\) process in which a series of questions will be asked regarding to the individuals credit history.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Navigate to your MU4 Filing.\n\n    -   If you already have a license and need to make an update, select **Update Record** from the Actions section.\n    -   If you already have a filing in progress, select the **MU4 Filing** link under My Tasks.\n    -   If you are completing a new license application, select the **Add New License** button.\n    An MU4 Form is opened.\n\n4.  Select the **Credit Check** link in the left navigation panel.\n\n5.  Select **I want to request a credit report**.\n\n    **Note:** If you have a security freeze on your TransUnion® credit profile and this is not lifted at the time of the credit report request, the MU4 Filing and payment made will be voided and you will need to resubmit the filing once the security freeze has been lifted. Access TransUnion’s Security Freeze Page for information on how to lift security freeze. Two options are provided, a global lift or a specific third-party lift, you must select global lift.\n\n6.  Select **I agree to the TransUnion Smartmove Service Agreement**.\n\n7.  Select the **Proceed to IDV** button.\n\n    **Note:** The IDV process is only required for the initial submission of a credit report. Once the IDV process is completed, it is not required to be completed for each credit report submission.\n\n8.  Select the **Next** button.\n\n9.  Answer the questions on the Identity Verification screen.\n\n    **Note:** The questions will be generated from your TransUnion® credit report and/or past demographic information \\(e.g",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\mu-guides\\mu2-4\\mu-ind\\nmls-mu4-requestingCreditRpt.md",
      "relative_path": "maps\\NMLS\\software\\mu-guides\\mu2-4\\mu-ind\\nmls-mu4-requestingCreditRpt.md",
      "headings": [
        "Requesting a Credit Check in NMLS {#nmls_mu4_requestingCreditRpt .task}"
      ],
      "html_link": "/docs/maps/NMLS/software/mu-guides/mu2-4/mu-ind/nmls-mu4-requestingCreditRpt.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/mu-guides/mu2-4/mu-ind/nmls-mu4-requestingCreditRpt.md:chunk-1",
      "title": "Requesting a Credit Check in NMLS {#nmls_mu4_requestingCreditRpt .task}",
      "content": "xt** button.\n\n9.  Answer the questions on the Identity Verification screen.\n\n    **Note:** The questions will be generated from your TransUnion® credit report and/or past demographic information \\(e.g., your most recent auto loan, mortgage, previous address.\\)\n\n10. Select the **Next** button.\n\n11. Click the **Close** button.\n\nAttesting to Your Individual MU4 Filing\n\n**Parent topic:**Credit Report\n\n**NMLS Policy Guide**  \n\nCredit Report",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\mu-guides\\mu2-4\\mu-ind\\nmls-mu4-requestingCreditRpt.md",
      "relative_path": "maps\\NMLS\\software\\mu-guides\\mu2-4\\mu-ind\\nmls-mu4-requestingCreditRpt.md",
      "headings": [
        "Requesting a Credit Check in NMLS {#nmls_mu4_requestingCreditRpt .task}"
      ],
      "html_link": "/docs/maps/NMLS/software/mu-guides/mu2-4/mu-ind/nmls-mu4-requestingCreditRpt.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/mu-guides/mu2-4/mu-ind/nmls-mu4-uploading_individual_documents.md:chunk-0",
      "title": "Uploading Documents on the Individual MU4 Form {#nmls_mu4_uploading_individual_documents .task}",
      "content": "# Uploading Documents on the Individual MU4 Form \n\nHow to upload documents to the Individual MU4 Form.\n\nTo ensure you are uploading the correct document types, refer to the Agency Guidance section of the Individual MU4 Form and Document Upload Descriptions and Examples.\n\n**Note:** NMLS does not provide the ability to upload all documents a state agency may require. **Do not upload documentation into NMLS that is not available for selection.**.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Navigate to your MU4 Filing.\n\n    -   If you already have a license and need to make an update, select **Update Record** from the Actions section.\n    -   If you already have a filing in progress, select the **MU4 Filing** link under My Tasks.\n    -   If you are completing a new license application, select the **Add New License** button.\n    An MU4 Form is opened.\n\n4.  Select the **Agency Guidance** link on the left navigation panel.\n\n5.  Review the agency guidance provided for the licenses that are a part of your Individual MU4 Filing.\n\n6.  For the requirements that are submitted by \"NMLS Upload,\" click **Add New Document**.\n\n7.  Provide a short description and upload the relevant file.\n\n    **Note:** Only documents permitted by state agencies relevant to your license\\(s\\) can be uploaded. Document must be a PDF file that does not exceed 15 MB.\n\n8.  Select **Save**.\n\n    **Note:** NMLS scans uploaded files for viruses. This process can take up to 10 minutes to complete. You cannot submit the filing until the virus scan is complete. If a virus is detected, remove the document and re-upload a virus-free version of the file.\n\nThe document is added to your filing. You can manage uploaded documents in the **Document Library** section of the Individual MU4 Form.\n\n**Note:** See About the Document Library for more information on what regulators and company users can view in NMLS.\n\nCompleting Residential and Employment History\n\n**Parent topi",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\mu-guides\\mu2-4\\mu-ind\\nmls-mu4-uploading_individual_documents.md",
      "relative_path": "maps\\NMLS\\software\\mu-guides\\mu2-4\\mu-ind\\nmls-mu4-uploading_individual_documents.md",
      "headings": [
        "Uploading Documents on the Individual MU4 Form {#nmls_mu4_uploading_individual_documents .task}"
      ],
      "html_link": "/docs/maps/NMLS/software/mu-guides/mu2-4/mu-ind/nmls-mu4-uploading_individual_documents.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/mu-guides/mu2-4/mu-ind/nmls-mu4-uploading_individual_documents.md:chunk-1",
      "title": "Uploading Documents on the Individual MU4 Form {#nmls_mu4_uploading_individual_documents .task}",
      "content": "Individual MU4 Form.\n\n**Note:** See About the Document Library for more information on what regulators and company users can view in NMLS.\n\nCompleting Residential and Employment History\n\n**Parent topic:**Managing Document Uploads\n\n**Related information**  \n\nDocument Upload Descriptions and Examples",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\mu-guides\\mu2-4\\mu-ind\\nmls-mu4-uploading_individual_documents.md",
      "relative_path": "maps\\NMLS\\software\\mu-guides\\mu2-4\\mu-ind\\nmls-mu4-uploading_individual_documents.md",
      "headings": [
        "Uploading Documents on the Individual MU4 Form {#nmls_mu4_uploading_individual_documents .task}"
      ],
      "html_link": "/docs/maps/NMLS/software/mu-guides/mu2-4/mu-ind/nmls-mu4-uploading_individual_documents.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/mu-guides/mu2-4/mu-ind/nmls-mu4-viewing_your_license_status_in_nmls.md:chunk-0",
      "title": "Viewing Your MU4 Filing Status in NMLS Connect {#nmls_mu4_viewing_your_license_status_in_nmls .task}",
      "content": "# Viewing Your MU4 Filing Status in NMLS Connect \n\nHow to check your MU4 filing status in NMLS Connect.\n\nFor details on the meaning of each status, see License Status Definitions.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Review the information in the My Licenses section.\n\n4.  Click **Requests & Filings** \\(checklist icon\\) on the left navigation panel to review information on open and completed filings.\n\n    **Note:** You can filter the information you see by selecting the **Open** or **Completed** tabs and using the Filters available on the left side of the screen.\n\n**Parent topic:**Determining MU4 Filing Status\n\n**See Also:**  \n\nLicense Status Definitions",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\mu-guides\\mu2-4\\mu-ind\\nmls-mu4-viewing_your_license_status_in_nmls.md",
      "relative_path": "maps\\NMLS\\software\\mu-guides\\mu2-4\\mu-ind\\nmls-mu4-viewing_your_license_status_in_nmls.md",
      "headings": [
        "Viewing Your MU4 Filing Status in NMLS Connect {#nmls_mu4_viewing_your_license_status_in_nmls .task}"
      ],
      "html_link": "/docs/maps/NMLS/software/mu-guides/mu2-4/mu-ind/nmls-mu4-viewing_your_license_status_in_nmls.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/mu-guides/mu2-4/mu-ind/nmls-mu4-viewing_your_license_status_in_nmls_2.md:chunk-0",
      "title": "Viewing Your MU4 Filing Status in NMLS Connect {#nmls_mu4_viewing_your_license_status_in_nmls .task}",
      "content": "# Viewing Your MU4 Filing Status in NMLS Connect \n\nHow to check your MU4 filing status in NMLS Connect.\n\nFor details on the meaning of each status, see License Status Definitions.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Review the information in the My Licenses section.\n\n4.  Click **Requests & Filings** \\(checklist icon\\) on the left navigation panel to review information on open and completed filings.\n\n    **Note:** You can filter the information you see by selecting the **Open** or **Completed** tabs and using the Filters available on the left side of the screen.\n\n**Parent topic:**Determining MU4 Filing Status",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\mu-guides\\mu2-4\\mu-ind\\nmls-mu4-viewing_your_license_status_in_nmls_2.md",
      "relative_path": "maps\\NMLS\\software\\mu-guides\\mu2-4\\mu-ind\\nmls-mu4-viewing_your_license_status_in_nmls_2.md",
      "headings": [
        "Viewing Your MU4 Filing Status in NMLS Connect {#nmls_mu4_viewing_your_license_status_in_nmls .task}"
      ],
      "html_link": "/docs/maps/NMLS/software/mu-guides/mu2-4/mu-ind/nmls-mu4-viewing_your_license_status_in_nmls_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/mu-guides/mu2-4/mu-ind/nmls_docuploadviewingrestrictions.md:chunk-0",
      "title": "About the Document Library {#nmls_docuploadviewingrestrictions .concept}",
      "content": "# About the Document Library \n\nDocument requirements are determined by the specific license requirements outlined in theAgency Guidance section of your MU4 filing. There are no standard documents required for every application; required uploads vary depending on your agency’s licensing guidance.\n\n## Document security \n\nAll your documents uploaded to NMLS are encrypted for protection\n\n## Who can view uploads in the Document Library \n\n-   **Individual applicant:** You have full access to view your own uploaded documents without restrictions.\n-   **Company user:** After the MU4 submission, a company user whom you have granted access will have access depending on the document type and user role:\n\n|Document Type|Company User Access|\n|-------------|-------------------|\n|Verification of Experience|Full access \\(no special role needed\\)|\n|Servicemember or Veteran Documentation|Must have \"View Confidential Information\" role|\n|Legal Name/Status Documentation|Must have \"View Confidential Information\" role|\n|Memorandum of Tax Certification|Must have \"View Confidential Information\" role|\n|Credit Report Explanations|Can **see** the document exists, but **cannot open** it after submission|\n|Additional Requirement|Can **see** the document exists, but **cannot open** it after submission|\n|Personal Financial Statement \\(MU2 Only\\)|Can **see** the document exists, but **cannot open** it after submission|\n|State Background Check Authorization \\(MU2 Only\\)|Must have \"View Confidential Information\" role|\n\n## Regulator user \n\nCan view documents only if the filing relevance [^1]exists. Additionally, their access depends on document type and user role:\n\n|Document Type|Regulator User Access|\n|-------------|---------------------|\n|Verification of Experience|Full access \\(no special role needed\\)|\n|Credit Report Explanations|Must have \"View Credit Report Information\" role|\n|Legal Name/Status Documentation|Must have \"View Confidential Information\" role|\n|Memorandum of Tax Certification|Must hav",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\mu-guides\\mu2-4\\mu-ind\\nmls_docuploadviewingrestrictions.md",
      "relative_path": "maps\\NMLS\\software\\mu-guides\\mu2-4\\mu-ind\\nmls_docuploadviewingrestrictions.md",
      "headings": [
        "About the Document Library {#nmls_docuploadviewingrestrictions .concept}",
        "Document security {#section_tds_qqg_nfc .section}",
        "Who can view uploads in the Document Library {#section_txq_tqg_nfc .section}",
        "Regulator user {#section_y3h_rqg_nfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/software/mu-guides/mu2-4/mu-ind/nmls_docuploadviewingrestrictions.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/mu-guides/mu2-4/mu-ind/nmls_docuploadviewingrestrictions.md:chunk-1",
      "title": "About the Document Library {#nmls_docuploadviewingrestrictions .concept}",
      "content": "\n|Credit Report Explanations|Must have \"View Credit Report Information\" role|\n|Legal Name/Status Documentation|Must have \"View Confidential Information\" role|\n|Memorandum of Tax Certification|Must have \"View Confidential Information\" role|\n|Additional Requirement|Must have \"View Confidential Information\" role in identified state|\n|Servicemember or Veteran Documentation|Must have \"View Confidential Information\" role in identified state|\n|Personal Financial Statement \\(MU2 Only\\)|Must have \"View Confidential Information\" role in identified state|\n|State Background Check Authorization \\(MU2 Only\\)|Must have \"View Confidential Information\" role in identified state|\n\n**Parent topic:**Managing Document Uploads\n\n**Parent topic:**Managing Document Uploads\n\n**Parent topic:**Appendices\n\n**Related information**  \n\nDocument Upload Descriptions and Examples\n\n[^1]: Filing Relevance: A regulator has filing relevance if: -   The individual branch is submitting a license or transition request to the regulator's agency.​\n-   The individual or their associated company/branch currently holds an active license with the regulator's agency.​",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\mu-guides\\mu2-4\\mu-ind\\nmls_docuploadviewingrestrictions.md",
      "relative_path": "maps\\NMLS\\software\\mu-guides\\mu2-4\\mu-ind\\nmls_docuploadviewingrestrictions.md",
      "headings": [
        "About the Document Library {#nmls_docuploadviewingrestrictions .concept}",
        "Document security {#section_tds_qqg_nfc .section}",
        "Who can view uploads in the Document Library {#section_txq_tqg_nfc .section}",
        "Regulator user {#section_y3h_rqg_nfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/software/mu-guides/mu2-4/mu-ind/nmls_docuploadviewingrestrictions.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/mu-guides/mu2-4/mu-ind/nmls_docuploadviewingrestrictions_2.md:chunk-0",
      "title": "About the Document Library {#nmls_docuploadviewingrestrictions .concept}",
      "content": "# About the Document Library \n\nDocument requirements are determined by the specific license requirements outlined in theAgency Guidance section of your MU4 filing. There are no standard documents required for every application; required uploads vary depending on your agency’s licensing guidance.\n\n## Document security \n\nAll your documents uploaded to NMLS are encrypted for protection\n\n## Who can view uploads in the Document Library \n\n-   **Individual applicant:** You have full access to view your own uploaded documents without restrictions.\n-   **Company user:** After the MU4 submission, a company user whom you have granted access will have access depending on the document type and user role:\n\n|Document Type|Company User Access|\n|-------------|-------------------|\n|Verification of Experience|Full access \\(no special role needed\\)|\n|Servicemember or Veteran Documentation|Must have \"View Confidential Information\" role|\n|Legal Name/Status Documentation|Must have \"View Confidential Information\" role|\n|Memorandum of Tax Certification|Must have \"View Confidential Information\" role|\n|Credit Report Explanations|Can **see** the document exists, but **cannot open** it after submission|\n|Additional Requirement|Can **see** the document exists, but **cannot open** it after submission|\n|Personal Financial Statement \\(MU2 Only\\)|Can **see** the document exists, but **cannot open** it after submission|\n|State Background Check Authorization \\(MU2 Only\\)|Must have \"View Confidential Information\" role|\n\n## Regulator user \n\nCan view documents only if the filing relevance [^1]exists. Additionally, their access depends on document type and user role:\n\n|Document Type|Regulator User Access|\n|-------------|---------------------|\n|Verification of Experience|Full access \\(no special role needed\\)|\n|Credit Report Explanations|Must have \"View Credit Report Information\" role|\n|Legal Name/Status Documentation|Must have \"View Confidential Information\" role|\n|Memorandum of Tax Certification|Must hav",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\mu-guides\\mu2-4\\mu-ind\\nmls_docuploadviewingrestrictions_2.md",
      "relative_path": "maps\\NMLS\\software\\mu-guides\\mu2-4\\mu-ind\\nmls_docuploadviewingrestrictions_2.md",
      "headings": [
        "About the Document Library {#nmls_docuploadviewingrestrictions .concept}",
        "Document security {#section_tds_qqg_nfc .section}",
        "Who can view uploads in the Document Library {#section_txq_tqg_nfc .section}",
        "Regulator user {#section_y3h_rqg_nfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/software/mu-guides/mu2-4/mu-ind/nmls_docuploadviewingrestrictions_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/mu-guides/mu2-4/mu-ind/nmls_docuploadviewingrestrictions_2.md:chunk-1",
      "title": "About the Document Library {#nmls_docuploadviewingrestrictions .concept}",
      "content": "\n|Credit Report Explanations|Must have \"View Credit Report Information\" role|\n|Legal Name/Status Documentation|Must have \"View Confidential Information\" role|\n|Memorandum of Tax Certification|Must have \"View Confidential Information\" role|\n|Additional Requirement|Must have \"View Confidential Information\" role in identified state|\n|Servicemember or Veteran Documentation|Must have \"View Confidential Information\" role in identified state|\n|Personal Financial Statement \\(MU2 Only\\)|Must have \"View Confidential Information\" role in identified state|\n|State Background Check Authorization \\(MU2 Only\\)|Must have \"View Confidential Information\" role in identified state|\n\n**Parent topic:**Managing Document Uploads\n\n[^1]: Filing Relevance: A regulator has filing relevance if: -   The individual branch is submitting a license or transition request to the regulator's agency.​\n-   The individual or their associated company/branch currently holds an active license with the regulator's agency.​",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\mu-guides\\mu2-4\\mu-ind\\nmls_docuploadviewingrestrictions_2.md",
      "relative_path": "maps\\NMLS\\software\\mu-guides\\mu2-4\\mu-ind\\nmls_docuploadviewingrestrictions_2.md",
      "headings": [
        "About the Document Library {#nmls_docuploadviewingrestrictions .concept}",
        "Document security {#section_tds_qqg_nfc .section}",
        "Who can view uploads in the Document Library {#section_txq_tqg_nfc .section}",
        "Regulator user {#section_y3h_rqg_nfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/software/mu-guides/mu2-4/mu-ind/nmls_docuploadviewingrestrictions_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/mu-guides/mu2-4/mu-ind/nmls_docuploadviewingrestrictions_3.md:chunk-0",
      "title": "About the Document Library {#nmls_docuploadviewingrestrictions .concept}",
      "content": "# About the Document Library \n\nDocument requirements are determined by the specific license requirements outlined in theAgency Guidance section of your MU4 filing. There are no standard documents required for every application; required uploads vary depending on your agency’s licensing guidance.\n\n## Document security \n\nAll your documents uploaded to NMLS are encrypted for protection\n\n## Who can view uploads in the Document Library \n\n-   **Individual applicant:** You have full access to view your own uploaded documents without restrictions.\n-   **Company user:** After the MU4 submission, a company user whom you have granted access will have access depending on the document type and user role:\n\n|Document Type|Company User Access|\n|-------------|-------------------|\n|Verification of Experience|Full access \\(no special role needed\\)|\n|Servicemember or Veteran Documentation|Must have \"View Confidential Information\" role|\n|Legal Name/Status Documentation|Must have \"View Confidential Information\" role|\n|Memorandum of Tax Certification|Must have \"View Confidential Information\" role|\n|Credit Report Explanations|Can **see** the document exists, but **cannot open** it after submission|\n|Additional Requirement|Can **see** the document exists, but **cannot open** it after submission|\n|Personal Financial Statement \\(MU2 Only\\)|Can **see** the document exists, but **cannot open** it after submission|\n|State Background Check Authorization \\(MU2 Only\\)|Must have \"View Confidential Information\" role|\n\n## Regulator user \n\nCan view documents only if the filing relevance [^1]exists. Additionally, their access depends on document type and user role:\n\n|Document Type|Regulator User Access|\n|-------------|---------------------|\n|Verification of Experience|Full access \\(no special role needed\\)|\n|Credit Report Explanations|Must have \"View Credit Report Information\" role|\n|Legal Name/Status Documentation|Must have \"View Confidential Information\" role|\n|Memorandum of Tax Certification|Must hav",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\mu-guides\\mu2-4\\mu-ind\\nmls_docuploadviewingrestrictions_3.md",
      "relative_path": "maps\\NMLS\\software\\mu-guides\\mu2-4\\mu-ind\\nmls_docuploadviewingrestrictions_3.md",
      "headings": [
        "About the Document Library {#nmls_docuploadviewingrestrictions .concept}",
        "Document security {#section_tds_qqg_nfc .section}",
        "Who can view uploads in the Document Library {#section_txq_tqg_nfc .section}",
        "Regulator user {#section_y3h_rqg_nfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/software/mu-guides/mu2-4/mu-ind/nmls_docuploadviewingrestrictions_3.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/mu-guides/mu2-4/mu-ind/nmls_docuploadviewingrestrictions_3.md:chunk-1",
      "title": "About the Document Library {#nmls_docuploadviewingrestrictions .concept}",
      "content": "\n|Credit Report Explanations|Must have \"View Credit Report Information\" role|\n|Legal Name/Status Documentation|Must have \"View Confidential Information\" role|\n|Memorandum of Tax Certification|Must have \"View Confidential Information\" role|\n|Additional Requirement|Must have \"View Confidential Information\" role in identified state|\n|Servicemember or Veteran Documentation|Must have \"View Confidential Information\" role in identified state|\n|Personal Financial Statement \\(MU2 Only\\)|Must have \"View Confidential Information\" role in identified state|\n|State Background Check Authorization \\(MU2 Only\\)|Must have \"View Confidential Information\" role in identified state|\n\n**Parent topic:**Appendices\n\n[^1]: Filing Relevance: A regulator has filing relevance if: -   The individual branch is submitting a license or transition request to the regulator's agency.​\n-   The individual or their associated company/branch currently holds an active license with the regulator's agency.​",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\mu-guides\\mu2-4\\mu-ind\\nmls_docuploadviewingrestrictions_3.md",
      "relative_path": "maps\\NMLS\\software\\mu-guides\\mu2-4\\mu-ind\\nmls_docuploadviewingrestrictions_3.md",
      "headings": [
        "About the Document Library {#nmls_docuploadviewingrestrictions .concept}",
        "Document security {#section_tds_qqg_nfc .section}",
        "Who can view uploads in the Document Library {#section_txq_tqg_nfc .section}",
        "Regulator user {#section_y3h_rqg_nfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/software/mu-guides/mu2-4/mu-ind/nmls_docuploadviewingrestrictions_3.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/mu-guides/mu2-4/mu-ind/nmls_docuploadviewingrestrictions_4.md:chunk-0",
      "title": "About the Document Library {#nmls_docuploadviewingrestrictions .concept}",
      "content": "# About the Document Library \n\nDocument requirements are determined by the specific license requirements outlined in theAgency Guidance section of your MU4 filing. There are no standard documents required for every application; required uploads vary depending on your agency’s licensing guidance.\n\n## Document security \n\nAll your documents uploaded to NMLS are encrypted for protection\n\n## Who can view uploads in the Document Library \n\n-   **Individual applicant:** You have full access to view your own uploaded documents without restrictions.\n-   **Company user:** After the MU4 submission, a company user whom you have granted access will have access depending on the document type and user role:\n\n|Document Type|Company User Access|\n|-------------|-------------------|\n|Verification of Experience|Full access \\(no special role needed\\)|\n|Servicemember or Veteran Documentation|Must have \"View Confidential Information\" role|\n|Legal Name/Status Documentation|Must have \"View Confidential Information\" role|\n|Memorandum of Tax Certification|Must have \"View Confidential Information\" role|\n|Credit Report Explanations|Can **see** the document exists, but **cannot open** it after submission|\n|Additional Requirement|Can **see** the document exists, but **cannot open** it after submission|\n|Personal Financial Statement \\(MU2 Only\\)|Can **see** the document exists, but **cannot open** it after submission|\n|State Background Check Authorization \\(MU2 Only\\)|Must have \"View Confidential Information\" role|\n\n## Regulator user \n\nCan view documents only if the filing relevance [^1]exists. Additionally, their access depends on document type and user role:\n\n|Document Type|Regulator User Access|\n|-------------|---------------------|\n|Verification of Experience|Full access \\(no special role needed\\)|\n|Credit Report Explanations|Must have \"View Credit Report Information\" role|\n|Legal Name/Status Documentation|Must have \"View Confidential Information\" role|\n|Memorandum of Tax Certification|Must hav",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\mu-guides\\mu2-4\\mu-ind\\nmls_docuploadviewingrestrictions_4.md",
      "relative_path": "maps\\NMLS\\software\\mu-guides\\mu2-4\\mu-ind\\nmls_docuploadviewingrestrictions_4.md",
      "headings": [
        "About the Document Library {#nmls_docuploadviewingrestrictions .concept}",
        "Document security {#section_tds_qqg_nfc .section}",
        "Who can view uploads in the Document Library {#section_txq_tqg_nfc .section}",
        "Regulator user {#section_y3h_rqg_nfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/software/mu-guides/mu2-4/mu-ind/nmls_docuploadviewingrestrictions_4.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/mu-guides/mu2-4/mu-ind/nmls_docuploadviewingrestrictions_4.md:chunk-1",
      "title": "About the Document Library {#nmls_docuploadviewingrestrictions .concept}",
      "content": "\n|Credit Report Explanations|Must have \"View Credit Report Information\" role|\n|Legal Name/Status Documentation|Must have \"View Confidential Information\" role|\n|Memorandum of Tax Certification|Must have \"View Confidential Information\" role|\n|Additional Requirement|Must have \"View Confidential Information\" role in identified state|\n|Servicemember or Veteran Documentation|Must have \"View Confidential Information\" role in identified state|\n|Personal Financial Statement \\(MU2 Only\\)|Must have \"View Confidential Information\" role in identified state|\n|State Background Check Authorization \\(MU2 Only\\)|Must have \"View Confidential Information\" role in identified state|\n\n[^1]: Filing Relevance: A regulator has filing relevance if: -   The individual branch is submitting a license or transition request to the regulator's agency.​\n-   The individual or their associated company/branch currently holds an active license with the regulator's agency.​",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\mu-guides\\mu2-4\\mu-ind\\nmls_docuploadviewingrestrictions_4.md",
      "relative_path": "maps\\NMLS\\software\\mu-guides\\mu2-4\\mu-ind\\nmls_docuploadviewingrestrictions_4.md",
      "headings": [
        "About the Document Library {#nmls_docuploadviewingrestrictions .concept}",
        "Document security {#section_tds_qqg_nfc .section}",
        "Who can view uploads in the Document Library {#section_txq_tqg_nfc .section}",
        "Regulator user {#section_y3h_rqg_nfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/software/mu-guides/mu2-4/mu-ind/nmls_docuploadviewingrestrictions_4.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/mu-guides/mu2-4/mu-ind/nmls_mu4_attestation.md:chunk-0",
      "title": "Attesting to Your Individual MU4 Filing {#nmls_mu4_attestation .task}",
      "content": "# Attesting to Your Individual MU4 Filing \n\nHow to attest to an Individual MU4 Filing in NMLS.\n\nAfter completing all sections of the MU4 Form and satisfying all requirements listed in the Agency Guidance section, you are ready to attest and submit your filing.\n\n1.  Navigate to the NMLS Login page \\(State Context\\).\n\n2.  Log in to your NMLS account.\n\n3.  Navigate to your MU4 Filing.\n\n    -   If you already have a license and need to make an update, select **Update Record** from the Actions section.\n    -   If you already have a filing in progress, select the **MU4 Filing** link under My Tasks.\n    -   If you are completing a new license application, select the **Add New License** button.\n    An MU4 Form is opened.\n\n4.  Select the **Attest and Submit** link in the left navigation panel.\n\n5.  Review the errors and warnings in the Completeness Check section.\n\n    **Note:** If there are any outstanding items, satisfy each item before attesting to the form.\n\n6.  Select **I verify that I am the named person above and agree to the language as stated**.\n\n7.  Select the **Submit Filing** button.\n\n-   Paying for an Individual MU4 Filing\n-   Completing Application Requirements Submitted Outside of NMLS\n\n**Parent topic:**Attest and Submit",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\mu-guides\\mu2-4\\mu-ind\\nmls_mu4_attestation.md",
      "relative_path": "maps\\NMLS\\software\\mu-guides\\mu2-4\\mu-ind\\nmls_mu4_attestation.md",
      "headings": [
        "Attesting to Your Individual MU4 Filing {#nmls_mu4_attestation .task}"
      ],
      "html_link": "/docs/maps/NMLS/software/mu-guides/mu2-4/mu-ind/nmls_mu4_attestation.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/notifications/topics/nmls_notificationIndividualFederal.md:chunk-0",
      "title": "Individual Notifications for Federally-registered MLOs {#nmls_notificationIndividualFederal .reference}",
      "content": "# Individual Notifications for Federally-registered MLOs \n\nNotifications are automatically sent to MLOs who have an individual account in NMLS. MLOs do not have the option to select which notifications they would like to receive.\n\n**Important:** Notifications are sent to the email address provided when the individual account is created, therefore, it is important to provide a valid email address to ensure the notifications are received.\n\n\n\nNotification Name\n\n\n\nNotification sent when:\n\n\n\nMU4R Processed\n\n\n\nAn MU4R filing has been submitted and paid for by an institution or the MLO and was successfully processed. This notification is sent nightly.\n\n\n\nMLO Registration Status Change\n\n\n\nThe registration status of an MLO has been updated.\n\n\n\nEmployment Correction Requested\n\n\n\nAn institution has requested a correction to employment information for a pending employment.\n\n\n\nEmployment Rejected\n\n\n\nAn institution has rejected a pending employment filed by an MLO.\n\n\n\nEmployment Ended or Withdrawn\n\n\n\nAn institution or MLO has terminated an employment or removed the employment before it was confirmed.\n\n\n\nEmployment Transfer Request\n\n\n\nAn institution has requested the MLO accept or deny an employment transfer as part of the Merger and Acquisition process.\n\n\n\nInvoice Status Change\n\n\n\nA change in invoice status has occurred \\(for example, an invoice has a pending status following a failed payment\\).\n\n\n\nFingerprint Record Returned as Illegible or Rejected\n\n\n\nThe fingerprint status is Illegible or Rejected.\n\n\n\nRenewal Attestation is Required\n\n\n\nThe MLO’s registration has been submitted for renewal by an institution.\n\n\n\nIndividual added as a Respondent to a Public SRA\n\n\n\nAn individual is identified as a respondent to a public State Regulatory Action.\n\n\n\nPublic SRA with Individual Respondent Updated\n\n\n\nAn individual is a respondent to one or more State Regulatory Actions that have been updated. This notification is sent nightly.\n\n\n\nRegulatory Action Removed\n\n\n\nAn individual has been remo",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\notifications\\topics\\nmls_notificationIndividualFederal.md",
      "relative_path": "maps\\NMLS\\software\\notifications\\topics\\nmls_notificationIndividualFederal.md",
      "headings": [
        "Individual Notifications for Federally-registered MLOs {#nmls_notificationIndividualFederal .reference}"
      ],
      "html_link": "/docs/maps/NMLS/software/notifications/topics/nmls_notificationIndividualFederal.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/notifications/topics/nmls_notificationIndividualFederal.md:chunk-1",
      "title": "Individual Notifications for Federally-registered MLOs {#nmls_notificationIndividualFederal .reference}",
      "content": " Updated\n\n\n\nAn individual is a respondent to one or more State Regulatory Actions that have been updated. This notification is sent nightly.\n\n\n\nRegulatory Action Removed\n\n\n\nAn individual has been removed as a respondent from a public State Regulatory Action for one of the following reasons:-   Regulatory Action is deleted\n-   Regulator Action privacy level changed from public to a non-public level\n-   Respondent removed from Regulatory Action\n\n\n\n\n**Parent topic:**Managing Notifications",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\notifications\\topics\\nmls_notificationIndividualFederal.md",
      "relative_path": "maps\\NMLS\\software\\notifications\\topics\\nmls_notificationIndividualFederal.md",
      "headings": [
        "Individual Notifications for Federally-registered MLOs {#nmls_notificationIndividualFederal .reference}"
      ],
      "html_link": "/docs/maps/NMLS/software/notifications/topics/nmls_notificationIndividualFederal.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/notifications/topics/nmls_notificationInstitutionTypes.md:chunk-0",
      "title": "Institution Notifications {#nmls_notificationInstitutionTypes .reference}",
      "content": "# Institution Notifications \n\nAn institution can receive notifications related to the institution as well as MLOs employed by the institution.\n\nNotifications are sent to the email address provided when the user’s account is created, therefore, it is important to provide a working email address, to ensure the notifications are received.\n\n**Note:** The Institution’s Account Administrator\\(s\\) will automatically receive all notifications for which no contact has been designated.\n\n\n\nNotification Name\n\n\n\nNotification sent when:\n\n\n\nIndividual Access Granted\n\n\n\nAn institution has been given access rights by an individual. This notification is sent nightly.\n\n\n\nIndividual Access Revoked\n\n\n\nAn institution’s access rights to an individual have been removed.\n\n\n\nMU1R Filing Activity\n\n\n\nAn MU1R filing for the institution has been successfully processed by NMLS or the MU1R filing status becomes Active.\n\n\n\nEmployment Record\\(s\\) Ended or Withdrawn\n\n\n\nAn institution or individual has terminated employment or removed the employment before it was confirmed. This notification is sent nightly.\n\n\n\nEmployment Records Pending Confirmation\n\n\n\nAt least one employment pending confirmation by the institution was created that day. This notification is sent nightly.\n\n\n\nMU4R Filing Processed\n\n\n\nAn MU4R has been submitted by an institution user \\(or has been submitted by an individual or another institution\\). This notification is sent nightly.\n\n\n\nMU4R Cart Requires Payment\n\n\n\nOne or more institution users have an MU4R invoice for which payment has not been submitted. This notification triggers after five days of non-payment and is sent nightly.\n\n\n\nRegulatory Action Removed\n\n\n\nAn individual has been removed as a respondent from a public State Regulatory Action for one of the following reasons:\n\n -   Regulatory Action is deleted\n-   Regulator Action privacy level changed from public to a non-public level\n-   Respondent removed from Regulatory Action\n\n\n\nMU4R Disciplinary Actions Update\n\n\n\nOne or mor",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\notifications\\topics\\nmls_notificationInstitutionTypes.md",
      "relative_path": "maps\\NMLS\\software\\notifications\\topics\\nmls_notificationInstitutionTypes.md",
      "headings": [
        "Institution Notifications {#nmls_notificationInstitutionTypes .reference}"
      ],
      "html_link": "/docs/maps/NMLS/software/notifications/topics/nmls_notificationInstitutionTypes.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/notifications/topics/nmls_notificationInstitutionTypes.md:chunk-1",
      "title": "Institution Notifications {#nmls_notificationInstitutionTypes .reference}",
      "content": "egulatory Action is deleted\n-   Regulator Action privacy level changed from public to a non-public level\n-   Respondent removed from Regulatory Action\n\n\n\nMU4R Disciplinary Actions Update\n\n\n\nOne or more Disciplinary Actions have been added, deleted or updated by an individual associated with the institution.\n\n\n\nFederal MLO Registration Status Change\n\n\n\nAn individual’s registration status has changed. Institutions with a pending or confirmed current employment with the individual will receive this notification.\n\n\n\nFingerprint Record Returned as Illegible or Rejected\n\n\n\nThe fingerprint status is Illegible or Rejected.\n\n\n\nInvoice Status Change\n\n\n\nA change in invoice status has occurred \\(for example, an invoice has a pending status following a failed payment\\).\n\n\n\nCredential Subscription Will Expire for One or More Users\n\n\n\nThe NMLS Credential Subscription for a user account associated to the institution will expire in 30 days. An invoice has been created for payment of the renewal fee.\n\n\n\nIndividual Added as a Respondent to a Public SRA\n\n\n\nAn individual is identified as a respondent to a public State Regulatory Action.\n\n\n\nPublic SRA with Individual Respondent Updated\n\n\n\nAn individual is a respondent to one or more State Regulatory Actions that have been updated. This notification is sent nightly.\n\n\n**Parent topic:**Managing Notifications",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\notifications\\topics\\nmls_notificationInstitutionTypes.md",
      "relative_path": "maps\\NMLS\\software\\notifications\\topics\\nmls_notificationInstitutionTypes.md",
      "headings": [
        "Institution Notifications {#nmls_notificationInstitutionTypes .reference}"
      ],
      "html_link": "/docs/maps/NMLS/software/notifications/topics/nmls_notificationInstitutionTypes.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/notifications/topics/nmls_notificationsContactAdd.md:chunk-0",
      "title": "Adding a Notfication Contact {#nmls_notificationsContactAdd .task}",
      "content": "# Adding a Notfication Contact \n\nHow to assign notifications to users in your organization. If no user is assigned to receive a notification, it will be sent to the company or institution Account Administrators.\n\n**Note:** The blue information message at the top of the Manage Notifications screen displays the notifications for which a contact has not been assigned. Once each notification has one or more assigned contact\\(s\\) the blue information message will not display. If any notifications remain unassigned, all Account Administrators will receive the unassigned notifications.\n\n1.  Login to NMLS.\n\n    -   State login\n    -   Federal login\n2.  Select **Admin** > **Manage Notifications**.\n\n3.  Click **Add New Contact**.\n\n4.  Enter the **individual’s Username**, **First** and**Last Name**, or leave the search criteria blank to get a list of all users.\n\n5.  Click **Search**.\n\n6.  Select the desired username hyperlink.\n\n7.  Select the email notification for the individual to receive.\n\n8.  Click **Save**.\n\n**Parent topic:**Managing Notifications",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\notifications\\topics\\nmls_notificationsContactAdd.md",
      "relative_path": "maps\\NMLS\\software\\notifications\\topics\\nmls_notificationsContactAdd.md",
      "headings": [
        "Adding a Notfication Contact {#nmls_notificationsContactAdd .task}"
      ],
      "html_link": "/docs/maps/NMLS/software/notifications/topics/nmls_notificationsContactAdd.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/notifications/topics/nmls_notificationsContactDelete.md:chunk-0",
      "title": "Deleting a Notification Contact {#nmls_notificationsContactDelete .task}",
      "content": "# Deleting a Notification Contact \n\nAn individual can be removed as a contact for NMLS notification emails.\n\nThis does not affect the user's NMLS account.\n\n1.  Login to NMLS.\n\n    -   State login\n    -   Federal login\n2.  Select **Admin** > **Manage Notifications**.\n\n3.  Select the delete icon next to the desired individual’s name.\n\n    A confirmation window is displayed.\n\n4.  Select **OK**.\n\n    The selected individual is removed as a notification contact.\n\n**Parent topic:**Managing Notifications",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\notifications\\topics\\nmls_notificationsContactDelete.md",
      "relative_path": "maps\\NMLS\\software\\notifications\\topics\\nmls_notificationsContactDelete.md",
      "headings": [
        "Deleting a Notification Contact {#nmls_notificationsContactDelete .task}"
      ],
      "html_link": "/docs/maps/NMLS/software/notifications/topics/nmls_notificationsContactDelete.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/notifications/topics/nmls_notifications_ContactModify.md:chunk-0",
      "title": "Modifying the Notification Assignments for an Individual {#nmls_notifications_ContactModify .task}",
      "content": "# Modifying the Notification Assignments for an Individual \n\nIndividuals will receive email notifactions for each selected notification type.\n\n**Note:** The blue information message at the top of the Manage Notifications screen displays the notifications for which a contact has not been assigned. Once each notification has one or more assigned contact\\(s\\) the blue information message will not display. If any notifications remain unassigned, all Account Administrators will receive the unassigned notifications.\n\n1.  Login to NMLS.\n\n    -   State login\n    -   Federal login\n2.  Select **Admin** > **Manage Notifications**.\n\n3.  Select the edit icon next to the desired individual’s name.\n\n4.  Select or clear the checkbox next to the notification to add or remove assigned notifications for that individual.\n\n5.  Select **Save**.\n\n**Parent topic:**Managing Notifications",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\notifications\\topics\\nmls_notifications_ContactModify.md",
      "relative_path": "maps\\NMLS\\software\\notifications\\topics\\nmls_notifications_ContactModify.md",
      "headings": [
        "Modifying the Notification Assignments for an Individual {#nmls_notifications_ContactModify .task}"
      ],
      "html_link": "/docs/maps/NMLS/software/notifications/topics/nmls_notifications_ContactModify.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/notifications/topics/nmls_notificatiosnManaging.md:chunk-0",
      "title": "Managing Notifications {#nmls_notificatiosnManaging .concept}",
      "content": "# Managing Notifications \n\nAn Account Administrator or Institution User with the **Manage Notification Contacts** role can manage notifications for an institution.\n\nUsers with this role have the ability to:\n\n-   add contacts\n-   update the list of notifications that a contact is receiving\n-   disable a contact\n-   delete a contact\n\nContacts are managed from the Manage Notifications screen under the Admin tab.\n\nNotifications are informational messages that are systematically-generated and sent when a certain event occurs in NMLS. Institutions must specify which notifications users will receive when such events occur within the institution or MLO records.\n\nEach user receiving emails is considered to be a Notification Contact. Notification Contacts can be added or removed at any time. Additionally, Notification Contacts can be disabled. If one is disabled, that user will not receive notifications until they are enabled as a contact.\n\n**Note:** Disabling a Notification Contact does not disable the user’s account.\n\nAccount Administrators or users with the **Manage Notification Contacts** role can designate one user to receive all notifications, or designate multiple users to receive a notification. There is no limit to the number of users that can receive a specific notification.\n\n**Note:** Account Administrators will automatically receive all notifications for which no enabled contact has been assigned. For example, if a notification contact is only designated for three of the available notifications, each Account Administrator will receive all other notifications.\n\nRegistered MLOs who have created an individual user account will receive all notifications for events affecting their record. They will not have the option to specify which notifications they would like to receive.\n\nNotifications will be sent to the Company or Institution and/or MLO from the following email address:`NMLS_Notifications@NMLSNotifications.com`.\n\n-   **Adding a Notfication Contact**  \nHow to ass",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\notifications\\topics\\nmls_notificatiosnManaging.md",
      "relative_path": "maps\\NMLS\\software\\notifications\\topics\\nmls_notificatiosnManaging.md",
      "headings": [
        "Managing Notifications {#nmls_notificatiosnManaging .concept}"
      ],
      "html_link": "/docs/maps/NMLS/software/notifications/topics/nmls_notificatiosnManaging.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/notifications/topics/nmls_notificatiosnManaging.md:chunk-1",
      "title": "Managing Notifications {#nmls_notificatiosnManaging .concept}",
      "content": "ve.\n\nNotifications will be sent to the Company or Institution and/or MLO from the following email address:`NMLS_Notifications@NMLSNotifications.com`.\n\n-   **Adding a Notfication Contact**  \nHow to assign notifications to users in your organization. If no user is assigned to receive a notification, it will be sent to the company or institution Account Administrators.\n-   **Modifying the Notification Assignments for an Individual**  \nIndividuals will receive email notifactions for each selected notification type.\n-   **Deleting a Notification Contact**  \nAn individual can be removed as a contact for NMLS notification emails.\n-   **Institution Notifications**  \n An institution can receive notifications related to the institution as well as MLOs employed by the institution.\n-   **Individual Notifications for Federally-registered MLOs**  \nNotifications are automatically sent to MLOs who have an individual account in NMLS. MLOs do not have the option to select which notifications they would like to receive.\n\n**Parent topic:**Account Administration",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\notifications\\topics\\nmls_notificatiosnManaging.md",
      "relative_path": "maps\\NMLS\\software\\notifications\\topics\\nmls_notificatiosnManaging.md",
      "headings": [
        "Managing Notifications {#nmls_notificatiosnManaging .concept}"
      ],
      "html_link": "/docs/maps/NMLS/software/notifications/topics/nmls_notificatiosnManaging.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/twoFactorAuthentication/topics/nmls_2FactorAnnualFee.md:chunk-0",
      "title": "Annual Security Credential Subscription Fees {#nmls_2FactorAnnualFee .concept}",
      "content": "# Annual Security Credential Subscription Fees \n\nNMLS Account Administrators and organization users must pay a $55 annual subscription fee for each NMLS user account that requires two-factor authentication.\n\nThe subscription is good for one calendar year beginning the day the security credential is registered in NMLS. NMLS users assigned the Financial Admin role can pay the security credential subscription fee \\(including renewal fees\\) for the Organizational Users.\n\n## Security Credential Subscription Renewal \n\nNMLS requires each user to renew the subscription of their security credential every year on or before the subscription expiration date to avoid an interruption in the user’s ability to log in to NMLS.\n\n**Parent topic:**NMLS Two-Factor Authentication",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\twoFactorAuthentication\\topics\\nmls_2FactorAnnualFee.md",
      "relative_path": "maps\\NMLS\\software\\twoFactorAuthentication\\topics\\nmls_2FactorAnnualFee.md",
      "headings": [
        "Annual Security Credential Subscription Fees {#nmls_2FactorAnnualFee .concept}",
        "Security Credential Subscription Renewal {#section_ksg_4lx_jfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/software/twoFactorAuthentication/topics/nmls_2FactorAnnualFee.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/twoFactorAuthentication/topics/nmls_2FactorCreddentialDereg.md:chunk-0",
      "title": "De-Registering a Credential {#nmls_2FactorCreddentialDereg .task}",
      "content": "# De-Registering a Credential \n\nNMLS Account Administrators can de-register an organization user’s VIP Subscription credential.\n\n1.  Navigate to the NMLS Login page.\n\n    -   State context.\n    -   Federal context.\n2.  Log in to your NMLS account.\n\n3.  Select **Admin** > **User Account Profiles**.\n\n4.  Enter the individual’s username, first, or last name, or leave the search criteria blank to get a list of all users.\n\n5.  Select the **Search** button.\n\n6.  Select the desired username hyperlink.\n\n7.  Select the **Delete** button under the VIP Subscription section.\n\nThe next time the user logs in to NMLS, they are prompted to register a new credential.\n\n**Parent topic:**NMLS Two-Factor Authentication",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\twoFactorAuthentication\\topics\\nmls_2FactorCreddentialDereg.md",
      "relative_path": "maps\\NMLS\\software\\twoFactorAuthentication\\topics\\nmls_2FactorCreddentialDereg.md",
      "headings": [
        "De-Registering a Credential {#nmls_2FactorCreddentialDereg .task}"
      ],
      "html_link": "/docs/maps/NMLS/software/twoFactorAuthentication/topics/nmls_2FactorCreddentialDereg.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/twoFactorAuthentication/topics/nmls_2FactorCredentialMigrateNewDev.md:chunk-0",
      "title": "Migrating Your Credential to a New Mobile Device {#nmls_2FactorCredentialMigrateNewDev .task}",
      "content": "# Migrating Your Credential to a New Mobile Device \n\nHow to migrate a two-factor credential to a new mobile device.\n\n1.  Open Symantec VIP on mobile app.\n\n2.  Select **Migrate Credential** from the menu.\n\n3.  Select the **Generate Code** button to generate a migration code on your current device.\n\n4.  Download Symantec VIP on your new device.\n\n5.  Use the Symantec VIP app on your new device to scan the code generated on your current device.\n\n**Parent topic:**NMLS Two-Factor Authentication",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\twoFactorAuthentication\\topics\\nmls_2FactorCredentialMigrateNewDev.md",
      "relative_path": "maps\\NMLS\\software\\twoFactorAuthentication\\topics\\nmls_2FactorCredentialMigrateNewDev.md",
      "headings": [
        "Migrating Your Credential to a New Mobile Device {#nmls_2FactorCredentialMigrateNewDev .task}"
      ],
      "html_link": "/docs/maps/NMLS/software/twoFactorAuthentication/topics/nmls_2FactorCredentialMigrateNewDev.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/twoFactorAuthentication/topics/nmls_2FactorMFA.md:chunk-0",
      "title": "NMLS Two-Factor Authentication {#nmls_2FactorMFA .concept}",
      "content": "# NMLS Two-Factor Authentication \n\nAn overview of how to obtain a two-factor authentication for NMLS if it is required for your account. Also includes security credential options..\n\n## Obtaining a Security Credential \n\nElectronic security credentials may be acquired directly from the NMLS-approved two-factor authentication vendor, Symantec. Physical security tokens may be acquired through third-party retailers.\n\n## Security Credential Options \n\nWhen choosing a credential, keep in mind that each user can have only one security credential registered to their account, and that specific security credential must be used when logging in to NMLS. Security credentials cannot be shared by multiple users.\n\n|Type|How does it work?|Timeframe to Receive Credential|Unit Cost|Annual Subscription Cost[^1]|\n|----|-----------------|-------------------------------|---------|----------------------------|\n|Phone Credential|An app on your phone displays your credential|Immediate Download|Free|$55|\n|Desktop Credential|A desktop application on your computer displays your credential|Immediate Download|Free|$55|\n|Security Token|A key fob displays your credential|Dependent on retailer|$55|\n\n-   **Two-Factor Authentication Policy Information**  \n Two-factor authentication is a process by which two independent authentication methods \\(such as a security code produced by a physical token in addition to a username and password\\) are utilized to increase confidence that an individual attempting to access a secure system is authorized to do so.\n-   **Annual Security Credential Subscription Fees**  \nNMLS Account Administrators and organization users must pay a $55 annual subscription fee for each NMLS user account that requires two-factor authentication.\n-   **Paying the Security Credential Subscription Fee in NMLS**  \nAn annual Credential Subscription fee will be assessed thirty days prior to the expiration of the Credential Subscription, to each NMLS account that uses two-factor authentication. Ad",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\twoFactorAuthentication\\topics\\nmls_2FactorMFA.md",
      "relative_path": "maps\\NMLS\\software\\twoFactorAuthentication\\topics\\nmls_2FactorMFA.md",
      "headings": [
        "NMLS Two-Factor Authentication {#nmls_2FactorMFA .concept}",
        "Obtaining a Security Credential {#section_dkx_ycx_jfc .section}",
        "Security Credential Options {#section_jhh_ddx_jfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/software/twoFactorAuthentication/topics/nmls_2FactorMFA.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/twoFactorAuthentication/topics/nmls_2FactorMFA.md:chunk-1",
      "title": "NMLS Two-Factor Authentication {#nmls_2FactorMFA .concept}",
      "content": " Fee in NMLS**  \nAn annual Credential Subscription fee will be assessed thirty days prior to the expiration of the Credential Subscription, to each NMLS account that uses two-factor authentication. Additionally, NMLS will generate an invoice and an email notification containing the current subscription expiration date.\n-   **Registering a Credential**  \nHow to register a two-factor credential with NMLS.\n-   **De-Registering a Credential**  \nNMLS Account Administrators can de-register an organization user’s VIP Subscription credential.\n-   **Migrating Your Credential to a New Mobile Device**  \nHow to migrate a two-factor credential to a new mobile device.\n\n**Parent topic:**Account Administration\n\n[^1]: NMLS regulators do not have an annual subscription cost for their security credential.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\twoFactorAuthentication\\topics\\nmls_2FactorMFA.md",
      "relative_path": "maps\\NMLS\\software\\twoFactorAuthentication\\topics\\nmls_2FactorMFA.md",
      "headings": [
        "NMLS Two-Factor Authentication {#nmls_2FactorMFA .concept}",
        "Obtaining a Security Credential {#section_dkx_ycx_jfc .section}",
        "Security Credential Options {#section_jhh_ddx_jfc .section}"
      ],
      "html_link": "/docs/maps/NMLS/software/twoFactorAuthentication/topics/nmls_2FactorMFA.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/twoFactorAuthentication/topics/nmls_2FactorPayAnnualFee.md:chunk-0",
      "title": "Paying the Security Credential Subscription Fee in NMLS {#nmls_2FactorPayAnnualFee .task}",
      "content": "# Paying the Security Credential Subscription Fee in NMLS \n\nAn annual Credential Subscription fee will be assessed thirty days prior to the expiration of the Credential Subscription, to each NMLS account that uses two-factor authentication. Additionally, NMLS will generate an invoice and an email notification containing the current subscription expiration date.\n\nThe notification will be sent to the organization user and Account Administrators. Once an invoice is created, the organization user will be given the option to submit payment for the invoice and renew the credential before the next log in to the system.\n\nThe option to renew a credential will display and continue to display on the Login screen each time the user accesses NMLS until payment for the invoice is submitted.\n\n**Important:** Failure to renew a Credential Subscription prior to the expiration date will result in the credential becoming de-registered. Once a credential is de-registered, NMLS will not be accessible to the user until the invoice is paid and the credential is registered with NMLS again.\n\n1.  Navigate to the NMLS Login page.\n\n    -   State context.\n    -   Federal context.\n2.  Log in to your NMLS account.\n\n3.  Select **Invoice**.\n\n4.  Select **Unpaid** from the **Invoice Type** drop-down menu.\n\n5.  Select **Search**.\n\n6.  Select the **View/Pay Invoice** icon to the left of Credential Subscription invoice.\n\n7.  Select **Pay Invoice**.\n\n8.  Follow the prompts to complete payment.\n\n**Parent topic:**NMLS Two-Factor Authentication",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\twoFactorAuthentication\\topics\\nmls_2FactorPayAnnualFee.md",
      "relative_path": "maps\\NMLS\\software\\twoFactorAuthentication\\topics\\nmls_2FactorPayAnnualFee.md",
      "headings": [
        "Paying the Security Credential Subscription Fee in NMLS {#nmls_2FactorPayAnnualFee .task}"
      ],
      "html_link": "/docs/maps/NMLS/software/twoFactorAuthentication/topics/nmls_2FactorPayAnnualFee.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/twoFactorAuthentication/topics/nmls_2FactorPolicy.md:chunk-0",
      "title": "Two-Factor Authentication Policy Information {#nmls_2FactorPolicy .concept}",
      "content": "# Two-Factor Authentication Policy Information \n\nTwo-factor authentication is a process by which two independent authentication methods \\(such as a security code produced by a physical token in addition to a username and password\\) are utilized to increase confidence that an individual attempting to access a secure system is authorized to do so.\n\nTo satisfy federal data security standards, NMLS requires any user who has access to more than one individual’s personally identifying information \\(i.e., information that is not his or her own\\) to use two factors of authentication to access NMLS.\n\n**Parent topic:**NMLS Two-Factor Authentication",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\twoFactorAuthentication\\topics\\nmls_2FactorPolicy.md",
      "relative_path": "maps\\NMLS\\software\\twoFactorAuthentication\\topics\\nmls_2FactorPolicy.md",
      "headings": [
        "Two-Factor Authentication Policy Information {#nmls_2FactorPolicy .concept}"
      ],
      "html_link": "/docs/maps/NMLS/software/twoFactorAuthentication/topics/nmls_2FactorPolicy.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/twoFactorAuthentication/topics/nmls_2Factor_credientialRegistering.md:chunk-0",
      "title": "Registering a Credential {#nmls_2Factor_credientialRegistering .task}",
      "content": "# Registering a Credential \n\nHow to register a two-factor credential with NMLS.\n\nInstall Symantec VIP, or purchase a physical security token from a third-party vendor.\n\n1.  Open Symantec VIP on your computer or mobile app.\n\n2.  Type the **Credential ID** and two sequential **Security Codes**.\n\n3.  Select **Finish**.\n\n**Parent topic:**NMLS Two-Factor Authentication",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\twoFactorAuthentication\\topics\\nmls_2Factor_credientialRegistering.md",
      "relative_path": "maps\\NMLS\\software\\twoFactorAuthentication\\topics\\nmls_2Factor_credientialRegistering.md",
      "headings": [
        "Registering a Credential {#nmls_2Factor_credientialRegistering .task}"
      ],
      "html_link": "/docs/maps/NMLS/software/twoFactorAuthentication/topics/nmls_2Factor_credientialRegistering.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/userAccts/maps/topics/nmlsUserAcctAndProfileChapterStart.md:chunk-0",
      "title": "User Accounts and Profiles {#nmlsUserAcctAndProfileChapterStart .concept}",
      "content": "# User Accounts and Profiles \n\nThis section introduces individual user accounts and profiles in NMLS, including how accounts are created, managed, and updated. It provides an overview of related tasks and explains where users can find detailed instructions for completing common account and profile activities.\n\nIndividual user accounts and profiles are required for anyone who needs to access the Nationwide Multistate Licensing System \\(NMLS\\). Each account contains personal details, login credentials, and role-specific information necessary for completing licensing activities. Profiles can be updated as information changes and must remain accurate to ensure compliance with system and regulatory requirements.\n\nThe following topics provide step-by-step instructions for working with user accounts and profiles:\n\n-   Request an Individual NMLS Account\n-   NMLS Account Update and Account Recovery\n-   Managing NMLS User Profiles\n-   Consolidating and Switching NMLS Accounts\n\n-   **Request an Individual NMLS Account**  \nIf you are a Mortgage Loan Originator, Control Person, Qualifying Individual, or Branch Manager, you need an NMLS Account to create and attest to your record in NMLS.\n-   **NMLS Account Update and Account Recovery**  \nUnderstand how to update your NMLS account and recover your username and password.\n-   **Consolidating and Switching NMLS Accounts**  \nThis guide explains the account consolidation process, allowing users with multiple NMLS accounts to use a single login to access all their accounts. Users are encouraged to consolidate their accounts.\n-   **Managing NMLS User Profiles**  \nUnderstand the different capabilities available in NMLS for managing your user profile.\n\n**Parent topic:**Chapter I—Getting Started on the System",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\userAccts\\maps\\topics\\nmlsUserAcctAndProfileChapterStart.md",
      "relative_path": "maps\\NMLS\\software\\userAccts\\maps\\topics\\nmlsUserAcctAndProfileChapterStart.md",
      "headings": [
        "User Accounts and Profiles {#nmlsUserAcctAndProfileChapterStart .concept}"
      ],
      "html_link": "/docs/maps/NMLS/software/userAccts/maps/topics/nmlsUserAcctAndProfileChapterStart.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/userAccts/maps/topics/nmls_MLOAccountRecovery.md:chunk-0",
      "title": "NMLS Account Recovery {#nmls_MLOAccountRecovery .concept}",
      "content": "# NMLS Account Recovery \n\nNMLS allows you to recover your username or password in case you have forgotten them, your account has been locked due to too many failed login attempts, or your account has been disabled after an extended period of inactivity.\n\nSee the following topics for more information:\n\n-   Resetting Your Password\n-   Retrieving Your Username\n-   NMLS Account Recovery for Accounts without a Recovery Email Addresses\n\n-   **Resetting Your Password**  \nReset your password by having a one-time passcode sent to your recovery email address.\n-   **Retrieving Your Username**  \nIf you have forgotten your username, you can have it sent to your recovery email address.\n-   **NMLS Account Recovery for Accounts without a Recovery Email Addresses**  \nAccount recovery processes are different for accounts that have not yet been updated to include a recovery email address.\n\n**Parent topic:**NMLS Account Update and Account Recovery",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\userAccts\\maps\\topics\\nmls_MLOAccountRecovery.md",
      "relative_path": "maps\\NMLS\\software\\userAccts\\maps\\topics\\nmls_MLOAccountRecovery.md",
      "headings": [
        "NMLS Account Recovery {#nmls_MLOAccountRecovery .concept}"
      ],
      "html_link": "/docs/maps/NMLS/software/userAccts/maps/topics/nmls_MLOAccountRecovery.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/userAccts/maps/topics/nmls_MLOaccountRecoverySansEmail.md:chunk-0",
      "title": "NMLS Account Recovery for Accounts without a Recovery Email Addresses {#nmls_MLOaccountRecoverySansEmail .task}",
      "content": "# NMLS Account Recovery for Accounts without a Recovery Email Addresses \n\nAccount recovery processes are different for accounts that have not yet been updated to include a recovery email address.\n\nSee Logging in and Updating Your NMLS Account for more information about providing a recovery email address.\n\n1.  **Resetting your Password for an Account without a Recovery Email Address**\n2.  Navigate to the NMLS Login page.\n\n    -   State context.\n    -   Federal context.\n3.  Select the **Forgot Password?** link on the NMLS Login page.\n\n4.  Enter your NMLS username.\n\n5.  Select the **Next** button.\n\n6.  Enter the answer to your security question.\n\n7.  Select the **Submit** button.\n\n    A temporary password is sent to your email.\n\n8.  Log in with the temporary password and change your password.\n\n9.  **Retrieving Your Username for an Account without a Recovery Email Address**\n10. Navigate to the NMLS Login page.\n\n    -   State context.\n    -   Federal context.\n11. Select the **Forgot username?** link on the NMLS Login page.\n\n12. Enter the email address associated with your NMLS account.\n\n13. Select the **Submit** button.\n\n    **Note:** If there is more than one NMLS account associated with your email address, you are prompted to enter your NMLS ID.\n\nYour username is sent to your email.\n\n**Parent topic:**NMLS Account Recovery",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\userAccts\\maps\\topics\\nmls_MLOaccountRecoverySansEmail.md",
      "relative_path": "maps\\NMLS\\software\\userAccts\\maps\\topics\\nmls_MLOaccountRecoverySansEmail.md",
      "headings": [
        "NMLS Account Recovery for Accounts without a Recovery Email Addresses {#nmls_MLOaccountRecoverySansEmail .task}"
      ],
      "html_link": "/docs/maps/NMLS/software/userAccts/maps/topics/nmls_MLOaccountRecoverySansEmail.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/userAccts/maps/topics/nmls_MLOconsoldiateAcctsPrimaryLogin.md:chunk-0",
      "title": "Consolidating Accounts by Adding Them to Your Primary Login {#nmls_MLOconsoldiateAcctsPrimaryLogin .task}",
      "content": "# Consolidating Accounts by Adding Them to Your Primary Login \n\nOnce you have logged in and updated your primary NMLS account, you can add your other accounts to that login.\n\nSee Logging in and Updating Your NMLS Account for more information.\n\n1.  Navigate to the NMLS Login page.\n\n    -   State context.\n    -   Federal context.\n2.  Log in to your NMLS account.\n\n3.  Select **My Accounts** in the upper-right corner of the screen.\n\n4.  Select **Add Another Account**.\n\n5.  Enter the username and password of the NMLS account you want to add.\n\n6.  Select **Add Account**.\n\n    **Note:** If you are adding an individual account, enter your Social Security number and date of birth.\n\n    The added accounts appear in the list of available accounts on the My Accounts screen.\n\n**Parent topic:**Consolidating and Switching NMLS Accounts\n\n**Related information**  \n\nSwitching NMLS Accounts",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\userAccts\\maps\\topics\\nmls_MLOconsoldiateAcctsPrimaryLogin.md",
      "relative_path": "maps\\NMLS\\software\\userAccts\\maps\\topics\\nmls_MLOconsoldiateAcctsPrimaryLogin.md",
      "headings": [
        "Consolidating Accounts by Adding Them to Your Primary Login {#nmls_MLOconsoldiateAcctsPrimaryLogin .task}"
      ],
      "html_link": "/docs/maps/NMLS/software/userAccts/maps/topics/nmls_MLOconsoldiateAcctsPrimaryLogin.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/userAccts/maps/topics/nmls_MLOconsolidateAccts.md:chunk-0",
      "title": "Consolidating and Switching NMLS Accounts {#nmls_MLOconsolidateAccts .concept}",
      "content": "# Consolidating and Switching NMLS Accounts \n\nThis guide explains the account consolidation process, allowing users with multiple NMLS accounts to use a single login to access all their accounts. Users are encouraged to consolidate their accounts.\n\nIf you do not consolidate all your accounts and choose to update them separately, you cannot consolidate your accounts later, and you will continue to use multiple logins.\n\nSee the following topics for more information:\n\n-   Consolidating Accounts by Adding Them to Your Primary Login\n-   Switching NMLS Accounts\n\n-   **Consolidating Accounts by Adding Them to Your Primary Login**  \nOnce you have logged in and updated your primary NMLS account, you can add your other accounts to that login.\n-   **Switching NMLS Accounts**  \nHow to switch between different accounts \\(e.g., company and individual\\) in NMLS.\n\n**Parent topic:**User Accounts and Profiles",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\userAccts\\maps\\topics\\nmls_MLOconsolidateAccts.md",
      "relative_path": "maps\\NMLS\\software\\userAccts\\maps\\topics\\nmls_MLOconsolidateAccts.md",
      "headings": [
        "Consolidating and Switching NMLS Accounts {#nmls_MLOconsolidateAccts .concept}"
      ],
      "html_link": "/docs/maps/NMLS/software/userAccts/maps/topics/nmls_MLOconsolidateAccts.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/userAccts/maps/topics/nmls_MLOmergerAcquisition.md:chunk-0",
      "title": "MLO Mergers and Acquisitions {#nmls_MLOmergerAcquisition .task}",
      "content": "# MLO Mergers and Acquisitions \n\nOnce your institution has gone through the Mergers & Acquisition process in NMLS and has indicated your transfer of employment, you will receive a system generated email instructing you to log into your individual NMLS account and accept or deny the transfer.\n\nThe mergers and acquisitions functionality in NMLS allows an institution to easily transfer the employment records of registered mortgage loan originators that have come to work for that institution as the result of a merger, acquisition or corporate reorganization.\n\n**Note:** If you have changed employers as due to a merger, acquisition or corporate reorganization, you should await instructions from your new employer before making any amendments to your NMLS record.\n\n1.  Navigate to the NMLS Login page \\(Federal Context\\).\n\n2.  Log in to your NMLS account.\n\n    **Note:** If you are landed on the NMLS Connect screen, select **NMLS Federal Registry** in the Quick Links section.\n\n    \n\n3.  Select the **Federal** context, if the Context screen is displayed.\n\n    **Note:** Be sure you are in the Federal context by selecting **Federal** from the **You are currently** drop down list. Your screen should display the Federal Registry watermark.\n\n    \n\n4.  Select **Filing** > **M&A Transfers**\n\n5.  Select the edit icon next to the Institution name.\n\n6.  You will be prompted to **Accept** or **Deny** the transfer of employment.\n\n    **Note:** If you Deny the transfer, you will not be associated with the acquiring institution unless further action is taken by the company.\n\n7.  If you Accept the Transfer, select **Accept**.\n\n8.  Check the verification box and select **Attest**.\n\nUpon accepting the transfer, your NMLS record will be updated to reflect the end date with the former institution and a new employment record will be created for your new employer \\(purchasing institution\\). For additional assistance, please contact your employer.\n\n**Parent topic:**Individual MU4R Registration",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\userAccts\\maps\\topics\\nmls_MLOmergerAcquisition.md",
      "relative_path": "maps\\NMLS\\software\\userAccts\\maps\\topics\\nmls_MLOmergerAcquisition.md",
      "headings": [
        "MLO Mergers and Acquisitions {#nmls_MLOmergerAcquisition .task}"
      ],
      "html_link": "/docs/maps/NMLS/software/userAccts/maps/topics/nmls_MLOmergerAcquisition.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/userAccts/maps/topics/nmls_MLOupdatingUserAccount.md:chunk-0",
      "title": "Logging in and Updating Your NMLS Account {#nmls_MLOupdatingUserAccount .task}",
      "content": "# Logging in and Updating Your NMLS Account \n\nThis task explains how to log in and update your NMLS account, a process that all industry companies and individual users must complete. NMLS has updated how you log in, and you must provide an e-mail address that is used for account recovery and can be used to log into NMLS\n\n1.  **Logging In**\n2.  Navigate to the NMLS Login page.\n\n    -   State context.\n    -   Federal context.\n3.  Enter your NMLS username and password.\n\n    **Note:** If you have more than one NMLS account, select the one you are most familiar with first. This account becomes your primary NMLS login.\n\n4.  Accept the Terms of Use.\n\n5.  **Updating Your NMLS Account**\n6.  Provide an e-mail address.\n\n    **Note:** You can use this email address as your username when logging in to NMLS. It is strongly recommended that you use a personal email address that you will always have access to regardless of your employer. However, regulator users should continue to use their assigned state agency email. NMLS uses this email address to help you retrieve your username and reset your password.\n\n7.  Select the **Submit** button.\n\n    **Note:** If you enter a login and account recovery email address that has already been associated to an account, NMLS guides you through the account consolidation process. Simply enter the password of the account associated to the recovery email you provided. See Consolidating and Switching NMLS Accounts for more information.\n\n8.  Verify the email address to confirm the account belongs to you by copying the one-time verification code sent to the email address you provided.\n\n    **Tip:** If you haven’t received your code after a few minutes, check your spam folder or select the **Resend Code** link on the confirmation page.\n\n9.  Select **Additional Recovery Methods** to provide additional recovery methods like a different email address or mobile phone number.\n\n    **Note:** It is strongly recommended that you provide at least two recovery m",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\userAccts\\maps\\topics\\nmls_MLOupdatingUserAccount.md",
      "relative_path": "maps\\NMLS\\software\\userAccts\\maps\\topics\\nmls_MLOupdatingUserAccount.md",
      "headings": [
        "Logging in and Updating Your NMLS Account {#nmls_MLOupdatingUserAccount .task}"
      ],
      "html_link": "/docs/maps/NMLS/software/userAccts/maps/topics/nmls_MLOupdatingUserAccount.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/userAccts/maps/topics/nmls_MLOupdatingUserAccount.md:chunk-1",
      "title": "Logging in and Updating Your NMLS Account {#nmls_MLOupdatingUserAccount .task}",
      "content": "onal Recovery Methods** to provide additional recovery methods like a different email address or mobile phone number.\n\n    **Note:** It is strongly recommended that you provide at least two recovery methods.\n\n10. Select the **Continue to NMLS** link.\n\n    **Note:** When accessing a newly added NMLS Individual account, you are prompted to verify your Social Security number and date of birth.\n\n**Parent topic:**NMLS Account Update and Account Recovery",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\userAccts\\maps\\topics\\nmls_MLOupdatingUserAccount.md",
      "relative_path": "maps\\NMLS\\software\\userAccts\\maps\\topics\\nmls_MLOupdatingUserAccount.md",
      "headings": [
        "Logging in and Updating Your NMLS Account {#nmls_MLOupdatingUserAccount .task}"
      ],
      "html_link": "/docs/maps/NMLS/software/userAccts/maps/topics/nmls_MLOupdatingUserAccount.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/userAccts/maps/topics/nmls_userProfileMgt_accessing.md:chunk-0",
      "title": "Accessing Your User Profile {#nmls_userProfileMgt_accessing .task}",
      "content": "# Accessing Your User Profile \n\nHow to access your user profile in NMLS.\n\n1.  Navigate to the NMLS Login page.\n\n    -   State context.\n    -   Federal context.\n2.  Log in to your NMLS account.\n\n3.  Select your **User Icon Initials** in the upper-right corner of the NMLS Connect.\n\n    **Note:** You can also select the **User Profile** link on the Home tab in NMLS Classic.\n\n4.  Select **User Profile**.\n\n    **Note:** Your primary NMLS account username is available at the top of the User Profile screen, as well as your login and recovery email, which can also be used as your NMLS username.\n\n**Parent topic:**Managing NMLS User Profiles\n\n**Related information**  \n\nEditing Account Information\n\nChanging Your Password\n\nAdding or Editing Your Account Recovery Details\n\nAdding Accounts to Your Primary NMLS Login\n\nAccessing the NMLS Classic Home Screen",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\userAccts\\maps\\topics\\nmls_userProfileMgt_accessing.md",
      "relative_path": "maps\\NMLS\\software\\userAccts\\maps\\topics\\nmls_userProfileMgt_accessing.md",
      "headings": [
        "Accessing Your User Profile {#nmls_userProfileMgt_accessing .task}"
      ],
      "html_link": "/docs/maps/NMLS/software/userAccts/maps/topics/nmls_userProfileMgt_accessing.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/userAccts/maps/topics/nmls_userProfileMgt_acctinfoEdit.md:chunk-0",
      "title": "Editing Account Information {#nmls_userProfileMgt_acctinfoEdit .task}",
      "content": "# Editing Account Information \n\nHow to edit your NMLS user profile information, including contact information and notification email address.\n\n1.  Navigate to the NMLS Login page.\n\n    -   State context.\n    -   Federal context.\n2.  Log in to your NMLS account.\n\n3.  Access your user profile. See Accessing Your User Profile for steps.\n\n4.  Select the Edit Info button for the desired account from the User Profile screen.\n\n5.  Make the desired edits.\n\n6.  Select the **Save Changes** button.\n\n    **Note:** You cannot update the name for an individual NMLS account from the User Profile. You must submit a filing for that change. If you are a state-licensed MLO, see Filing Amendments to the Individual MU4 Form for more information. If you are a federally regulated MLO, see Registration Guide for Federally-Regulated MLOs for more information.\n\n**Parent topic:**Managing NMLS User Profiles\n\n**Related information**  \n\nAccessing Your User Profile\n\nChanging Your Password\n\nAdding or Editing Your Account Recovery Details\n\nAdding Accounts to Your Primary NMLS Login\n\nAccessing the NMLS Classic Home Screen",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\userAccts\\maps\\topics\\nmls_userProfileMgt_acctinfoEdit.md",
      "relative_path": "maps\\NMLS\\software\\userAccts\\maps\\topics\\nmls_userProfileMgt_acctinfoEdit.md",
      "headings": [
        "Editing Account Information {#nmls_userProfileMgt_acctinfoEdit .task}"
      ],
      "html_link": "/docs/maps/NMLS/software/userAccts/maps/topics/nmls_userProfileMgt_acctinfoEdit.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/userAccts/maps/topics/nmls_userProfileMgt_acctrecoveryAddoredit.md:chunk-0",
      "title": "Adding or Editing Your Account Recovery Details {#nmls_userProfileMgt_acctrecoveryAddoredit .task}",
      "content": "# Adding or Editing Your Account Recovery Details \n\nHow to add or edit your account recovery details in NMLS.\n\n1.  Navigate to the NMLS Login page.\n\n    -   State context.\n    -   Federal context.\n2.  Log in to your NMLS account.\n\n3.  Access your user profile. See Accessing Your User Profile for steps.\n\n4.  Select the Recovery Details tab.\n\n5.  Select the **Add/Edit** button.\n\n6.  Enter your password.\n\n7.  Select the desired recovery method from the **Recovery Method** drop-down menu.\n\n8.  Enter the recovery method information.\n\n9.  Select the **Submit** button.\n\n10. Verify the account recovery method by copying the one-time verification code that is sent to the email address or phone number you provided.\n\n    **Note:** If you haven’t received your code after a few minutes, check your spam folder or select the **Resend Code** link on the confirmation page.\n\n11. Select the **Verify** button.\n\n**Parent topic:**Managing NMLS User Profiles\n\n**Related information**  \n\nAccessing Your User Profile\n\nEditing Account Information\n\nChanging Your Password\n\nAdding Accounts to Your Primary NMLS Login\n\nAccessing the NMLS Classic Home Screen",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\userAccts\\maps\\topics\\nmls_userProfileMgt_acctrecoveryAddoredit.md",
      "relative_path": "maps\\NMLS\\software\\userAccts\\maps\\topics\\nmls_userProfileMgt_acctrecoveryAddoredit.md",
      "headings": [
        "Adding or Editing Your Account Recovery Details {#nmls_userProfileMgt_acctrecoveryAddoredit .task}"
      ],
      "html_link": "/docs/maps/NMLS/software/userAccts/maps/topics/nmls_userProfileMgt_acctrecoveryAddoredit.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/userAccts/maps/topics/nmls_userProfileMgt_acctsAdd.md:chunk-0",
      "title": "Adding Accounts to Your Primary NMLS Login {#nmls_userProfileMgt_acctsAdd .task}",
      "content": "# Adding Accounts to Your Primary NMLS Login \n\nHow to add accounts to your primary NMLS login.\n\nNMLS allows you to access multiple accounts through a single login. These steps explain how to add an account under your primary NMLS login.\n\n1.  Navigate to the NMLS Login page.\n\n    -   State context.\n    -   Federal context.\n2.  Log in to your NMLS account.\n\n3.  Select **My Accounts** in the upper-right corner of the screen.\n\n4.  Select **Add Another Account**.\n\n5.  Enter the username and password of the NMLS account you want to add.\n\n6.  Select **Add Account**.\n\n    **Note:** If you are adding an individual account, enter your Social Security number and date of birth.\n\n    The added accounts appear in the list of available accounts on the My Accounts screen.\n\n**Parent topic:**Managing NMLS User Profiles\n\n**Related information**  \n\nAccessing Your User Profile\n\nEditing Account Information\n\nChanging Your Password\n\nAdding or Editing Your Account Recovery Details\n\nAccessing the NMLS Classic Home Screen",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\userAccts\\maps\\topics\\nmls_userProfileMgt_acctsAdd.md",
      "relative_path": "maps\\NMLS\\software\\userAccts\\maps\\topics\\nmls_userProfileMgt_acctsAdd.md",
      "headings": [
        "Adding Accounts to Your Primary NMLS Login {#nmls_userProfileMgt_acctsAdd .task}"
      ],
      "html_link": "/docs/maps/NMLS/software/userAccts/maps/topics/nmls_userProfileMgt_acctsAdd.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/userAccts/maps/topics/nmls_userProfileMgt_acctsSwitch.md:chunk-0",
      "title": "Switching NMLS Accounts {#nmls_userProfileMgt_acctsSwitch .task}",
      "content": "# Switching NMLS Accounts \n\nHow to switch between different accounts \\(e.g., company and individual\\) in NMLS.\n\nNMLS provides functionality that allows you to consolidate multiple accounts under a single login. These are the steps to switch between the accounts you have consolidated. See Consolidating Accounts by Adding Them to Your Primary Login for more information.\n\n1.  Navigate to the NMLS Login page.\n\n    -   State context.\n    -   Federal context.\n2.  Log in to your NMLS account.\n\n3.  Select **My Accounts** in the upper-right corner of the screen.\n\n4.  Select the desired account.\n\n    **Note:** If you have several accounts, it is recommended to use the **CTRL**+**F** feature of your web browser to search for accounts on the Switch Accounts screen.\n\n5.  Select **Log In**.\n\n**Parent topic:**Consolidating and Switching NMLS Accounts\n\n**Related information**  \n\nConsolidating Accounts by Adding Them to Your Primary Login",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\userAccts\\maps\\topics\\nmls_userProfileMgt_acctsSwitch.md",
      "relative_path": "maps\\NMLS\\software\\userAccts\\maps\\topics\\nmls_userProfileMgt_acctsSwitch.md",
      "headings": [
        "Switching NMLS Accounts {#nmls_userProfileMgt_acctsSwitch .task}"
      ],
      "html_link": "/docs/maps/NMLS/software/userAccts/maps/topics/nmls_userProfileMgt_acctsSwitch.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/userAccts/maps/topics/nmls_userProfileMgt_homepageAccess.md:chunk-0",
      "title": "Accessing the NMLS Classic Home Screen {#nmls_userProfileMgt_homepageAccess .task}",
      "content": "# Accessing the NMLS Classic Home Screen \n\nHow to get to NMLS Classic from the NMLS Connect screen.\n\nNMLS has two views for state-licensed entities: NMLS Classic and NMLS Connect. This topic explains how to navigate from NMLS Connect to NMLS Classic.\n\n-   Click the **NMLS Classic** icon \\(blue square with arrow\\) on the left navigation panel.\n\n    \n\n    **Note:** To return to NMLS Connect, click the **NMLS Connect** tab.\n\n**Parent topic:**Managing NMLS User Profiles\n\n**Related information**  \n\nAccessing Your User Profile\n\nEditing Account Information\n\nChanging Your Password\n\nAdding or Editing Your Account Recovery Details\n\nAdding Accounts to Your Primary NMLS Login",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\userAccts\\maps\\topics\\nmls_userProfileMgt_homepageAccess.md",
      "relative_path": "maps\\NMLS\\software\\userAccts\\maps\\topics\\nmls_userProfileMgt_homepageAccess.md",
      "headings": [
        "Accessing the NMLS Classic Home Screen {#nmls_userProfileMgt_homepageAccess .task}"
      ],
      "html_link": "/docs/maps/NMLS/software/userAccts/maps/topics/nmls_userProfileMgt_homepageAccess.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/userAccts/maps/topics/nmls_userProfileMgt_intro.md:chunk-0",
      "title": "Managing NMLS User Profiles {#nmls_userProfileMgt_intro .concept}",
      "content": "# Managing NMLS User Profiles \n\nUnderstand the different capabilities available in NMLS for managing your user profile.\n\nNMLS has several options when it comes to managing your user profile:\n\n-   Accessing Your User Profile\n-   Editing Account Information\n-   Changing Your Password\n-   Adding or Editing Your Account Recovery Details\n-   Adding Accounts to Your Primary NMLS Login\n-   Accessing the NMLS Classic Home Screen\n\n-   **Accessing Your User Profile**  \nHow to access your user profile in NMLS.\n-   **Editing Account Information**  \nHow to edit your NMLS user profile information, including contact information and notification email address.\n-   **Changing Your Password**  \nHow to change your password in NMLS.\n-   **Adding or Editing Your Account Recovery Details**  \nHow to add or edit your account recovery details in NMLS.\n-   **Adding Accounts to Your Primary NMLS Login**  \nHow to add accounts to your primary NMLS login.\n-   **Accessing the NMLS Classic Home Screen**  \nHow to get to NMLS Classic from the NMLS Connect screen.\n\n**Parent topic:**User Accounts and Profiles",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\userAccts\\maps\\topics\\nmls_userProfileMgt_intro.md",
      "relative_path": "maps\\NMLS\\software\\userAccts\\maps\\topics\\nmls_userProfileMgt_intro.md",
      "headings": [
        "Managing NMLS User Profiles {#nmls_userProfileMgt_intro .concept}"
      ],
      "html_link": "/docs/maps/NMLS/software/userAccts/maps/topics/nmls_userProfileMgt_intro.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/userAccts/maps/topics/nmls_userProfileMgt_passwordChainge.md:chunk-0",
      "title": "Changing Your Password {#nmls_userProfileMgt_passwordChainge .task}",
      "content": "# Changing Your Password \n\nHow to change your password in NMLS.\n\n1.  Navigate to the NMLS Login page.\n\n    -   State context.\n    -   Federal context.\n2.  Log in to your NMLS account.\n\n3.  Access your user profile. See Accessing Your User Profile for steps.\n\n4.  Select the Recovery Details tab.\n\n5.  Select the **Change Password** button.\n\n6.  Change your password.\n\n7.  Select the **Change Password** button.\n\nA notification appears indicating that your password has been changed.\n\n**Parent topic:**Managing NMLS User Profiles\n\n**Related information**  \n\nAccessing Your User Profile\n\nEditing Account Information\n\nAdding or Editing Your Account Recovery Details\n\nAdding Accounts to Your Primary NMLS Login\n\nAccessing the NMLS Classic Home Screen",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\userAccts\\maps\\topics\\nmls_userProfileMgt_passwordChainge.md",
      "relative_path": "maps\\NMLS\\software\\userAccts\\maps\\topics\\nmls_userProfileMgt_passwordChainge.md",
      "headings": [
        "Changing Your Password {#nmls_userProfileMgt_passwordChainge .task}"
      ],
      "html_link": "/docs/maps/NMLS/software/userAccts/maps/topics/nmls_userProfileMgt_passwordChainge.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/userAccts/maps/topics/nmls_usrAcct_pw_resetting.md:chunk-0",
      "title": "Resetting Your Password {#xd_0619522dfd5db0be--2eeb9d7e-19707f406a7--7fe4 .task}",
      "content": "# Resetting Your Password \n\nReset your password by having a one-time passcode sent to your recovery email address.\n\n1.  Navigate to the NMLS Login page.\n\n    -   State context.\n    -   Federal context.\n2.  Select the **Forgot Password?** link on the NMLS Login page.\n\n3.  Enter your username or recovery email.\n\n4.  Select the **Next** button.\n\n5.  Select the recovery method where you want to receive your one-time passcode.\n\n6.  Select the **Submit** button.\n\n    A one-time passcode is sent to your selected recovery method.\n\n7.  Enter your one-time passcode.\n\n8.  Select the **Submit** button.\n\n9.  Change your password.\n\n10. Select the **Change Password** button.\n\n**Parent topic:**NMLS Account Recovery",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\userAccts\\maps\\topics\\nmls_usrAcct_pw_resetting.md",
      "relative_path": "maps\\NMLS\\software\\userAccts\\maps\\topics\\nmls_usrAcct_pw_resetting.md",
      "headings": [
        "Resetting Your Password {#xd_0619522dfd5db0be--2eeb9d7e-19707f406a7--7fe4 .task}"
      ],
      "html_link": "/docs/maps/NMLS/software/userAccts/maps/topics/nmls_usrAcct_pw_resetting.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/userAccts/maps/topics/nmls_usrAcct_usrNm_recovering.md:chunk-0",
      "title": "Retrieving Your Username {#xd_0619522dfd5db0be--2eeb9d7e-19707f406a7--7fe3 .task}",
      "content": "# Retrieving Your Username \n\nIf you have forgotten your username, you can have it sent to your recovery email address.\n\n1.  Navigate to the NMLS Login page.\n\n    -   State context.\n    -   Federal context.\n2.  Select the **Forgot username?** link on the NMLS Login page.\n\n3.  Enter the email address associated with your NMLS account.\n\n4.  Select the **Submit** button.\n\nYour username is sent to your email.\n\n**Parent topic:**NMLS Account Recovery",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\userAccts\\maps\\topics\\nmls_usrAcct_usrNm_recovering.md",
      "relative_path": "maps\\NMLS\\software\\userAccts\\maps\\topics\\nmls_usrAcct_usrNm_recovering.md",
      "headings": [
        "Retrieving Your Username {#xd_0619522dfd5db0be--2eeb9d7e-19707f406a7--7fe3 .task}"
      ],
      "html_link": "/docs/maps/NMLS/software/userAccts/maps/topics/nmls_usrAcct_usrNm_recovering.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/software/userAccts/maps/topics/updateRecoverChapterStart.md:chunk-0",
      "title": "NMLS Account Update and Account Recovery {#updateRecoverChapterStart .concept}",
      "content": "# NMLS Account Update and Account Recovery \n\nUnderstand how to update your NMLS account and recover your username and password.\n\nNMLS has features that allow you to manage your account and recover your login information if you have forgotten it.\n\nSee the following topics for more information:\n\n-   Logging in and Updating Your NMLS Account\n-   Consolidating and Switching NMLS Accounts\n-   Managing NMLS User Profiles\n-   NMLS Account Recovery\n\n-   **Logging in and Updating Your NMLS Account**  \nThis task explains how to log in and update your NMLS account, a process that all industry companies and individual users must complete. NMLS has updated how you log in, and you must provide an e-mail address that is used for account recovery and can be used to log into NMLS\n-   **NMLS Account Recovery**  \nNMLS allows you to recover your username or password in case you have forgotten them, your account has been locked due to too many failed login attempts, or your account has been disabled after an extended period of inactivity.\n\n**Parent topic:**User Accounts and Profiles",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\software\\userAccts\\maps\\topics\\updateRecoverChapterStart.md",
      "relative_path": "maps\\NMLS\\software\\userAccts\\maps\\topics\\updateRecoverChapterStart.md",
      "headings": [
        "NMLS Account Update and Account Recovery {#updateRecoverChapterStart .concept}"
      ],
      "html_link": "/docs/maps/NMLS/software/userAccts/maps/topics/updateRecoverChapterStart.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/00_common/maps/topics/surety_entityNotifications.md:chunk-0",
      "title": "ESB Entity Notifications {#xd_6398752935c24d41-5c7a429b-19a2087ca5a--7fe9 .reference}",
      "content": "# ESB Entity Notifications \n\nA brief summary of each type of notification you may receive as a Surety Company, Surety Bond Producer, or Principal.\n\n\n\nSubject\n\n\n\nRecipient\n\n\n\nDescription\n\n\n\nCompany Surety Bond Signed\n\n\n\nLicensee \\(Principal\\)\n\n\n\nA bond written for the licensee is ready to be reviewed and signed.\n\n\n\nSurety Entity Company Access Granted\n\n\n\nSurety Bond Producer\n\n Surety Company\n\n\n\nAuthority is granted to issue bonds.\n\n\n\nSurety Bond Cancelled\n\n\n\nLicensee \\(Principal\\)\n\n\n\nA Surety Company has set a cancellation date on a bond.\n\n\n\nSurety Bond Rescinded\n\n\n\nLicensee \\(Principal\\)\n\n\n\nA bond cancellation was rescinded.\n\n\n\nSurety Bond Reinstated\n\n\n\nLicensee \\(Principal\\)\n\n\n\nA cancelled bond was reinstated.\n\n\n\nBroker of Record Change Pending\n\n\n\nLicensee \\(Principal\\)\n\n\n\nSent on the Effective Date of a Broker of Record Change to notify the licensee that it is pending.\n\n\n\nAuthority to Issue Bonds Withdrawn\n\n\n\nSurety Bond Producer\n\n Surety Company\n\n\n\nThe licensee \\(principle\\) has removed the authority to issue bonds from the surety company or surety bond producer.\n\n\n\nAuthority to Issue Bonds Withdrawn\n\n\n\nLicensee \\(Principle\\)\n\n\n\nThe surety company or surety bond producer has removed its authority to issue and manage bonds on behalf of the licensee \\(principle\\).\n\n\n\nCompany Broker of Record State Authorizations Required\n\n\n\nSurety Bond Producer\n\n Surety Company\n\n\n\nA broker of record change has been processed and now, one or more bonds associated to the change are in states where your entity does not currently have authority to issue bonds.\n\n\n\nCompany Broker of Record Change Rejection\n\n\n\nSurety Bond Producer\n\n Surety Company\n\n\n\nA broker of record change was declined.\n\n\n\nSurety Bond Declined\n\n\n\nSurety Bond Producer\n\n Surety Company\n\n\n\nA licensee has declined a bond.\n\n\n\nSurety Bond Request for Correction\n\n\n\nSurety Bond Producer\n\n Surety Company\n\n\n\nA licensee has requested a correction on a bond.\n\n\n\nSignatory Designation\n\n\n\nIndividual \\(Control Person\\)\n\n\n\nThe individu",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\00_common\\maps\\topics\\surety_entityNotifications.md",
      "relative_path": "maps\\NMLS\\surety\\00_common\\maps\\topics\\surety_entityNotifications.md",
      "headings": [
        "ESB Entity Notifications {#xd_6398752935c24d41-5c7a429b-19a2087ca5a--7fe9 .reference}"
      ],
      "html_link": "/docs/maps/NMLS/surety/00_common/maps/topics/surety_entityNotifications.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/00_common/maps/topics/surety_entityNotifications.md:chunk-1",
      "title": "ESB Entity Notifications {#xd_6398752935c24d41-5c7a429b-19a2087ca5a--7fe9 .reference}",
      "content": "urety Bond Request for Correction\n\n\n\nSurety Bond Producer\n\n Surety Company\n\n\n\nA licensee has requested a correction on a bond.\n\n\n\nSignatory Designation\n\n\n\nIndividual \\(Control Person\\)\n\n\n\nThe individual receiving this email has been designated as the signatory on a bond.\n\n\n\nSurety Bond Signed by Designated Individual\n\n\n\nSurety Company\n\n\n\nThe details of the surety bond signed for the company by the designated MU2 individual.\n\n\n\nSignatory Removal\n\n\n\nIndividual \\(Control Person\\)\n\n\n\nThe individual receiving this email was removed as the signatory on a bond.\n\n\n\nSurety Bond Returned to Surety \\(Bond Version Change\\)\n\n\n\nSurety Bond Producer\n\n Surety Company\n\n\n\nUndelivered bond\\(s\\) were returned to the surety for upgrade and signature due to a new bond form version introduced by the state regulator.\n\n\n\nSurety Bond Returned to Surety \\(Bond Version Change\\)\n\n\n\nLicensee \\(Principle\\)\n\n\n\nUndelivered bond\\(s\\) were returned to the surety for upgrade and signature due to a new bond form version introduced by the state regulator.\n\n\n\nCompany Returns Bond/Rider to Surety \\(Bond Version Change\\)\n\n\n\nIndividual \\(Control Person\\)\n\n\n\nThe individual receiving this email is alerted that the bond was returned and requires re-signature prior to delivery to the regulator.\n\n\n\nSurety Bond Returned to Surety \\(Regulator Return\\)\n\n\n\nSurety Bond Producer\n\n Surety Company\n\n\n\nDelivered bond\\(s\\) were returned to the surety by the state regulator for reasons specified by the regulator.\n\n\n\nSurety Bond Returned to Surety \\(Regulator Return\\)\n\n\n\nLicensee \\(Principle\\)\n\n\n\nDelivered bond\\(s\\) were returned to the surety by the state regulator for reasons specified by the regulator.\n\n\n\nAnnual Surety Attestation\n\n\n\nSurety Company\n\n Surety Bond Producer\n\n\n\nAutomatic reminder sent to subscribed users on November 1, December 1, and January 1 to surety entities that have not yet completed annual attestation of the accuracy of their profile, state authorization, and active association information in NMLS. De",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\00_common\\maps\\topics\\surety_entityNotifications.md",
      "relative_path": "maps\\NMLS\\surety\\00_common\\maps\\topics\\surety_entityNotifications.md",
      "headings": [
        "ESB Entity Notifications {#xd_6398752935c24d41-5c7a429b-19a2087ca5a--7fe9 .reference}"
      ],
      "html_link": "/docs/maps/NMLS/surety/00_common/maps/topics/surety_entityNotifications.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/00_common/maps/topics/surety_entityNotifications.md:chunk-2",
      "title": "ESB Entity Notifications {#xd_6398752935c24d41-5c7a429b-19a2087ca5a--7fe9 .reference}",
      "content": "ber 1, December 1, and January 1 to surety entities that have not yet completed annual attestation of the accuracy of their profile, state authorization, and active association information in NMLS. Defaults to AA users if no other users subscribed.\n\n\n\nProducer Signed Bond\n\n\n\nSurety Company\n\n\n\nA subscription-based notification sent to the assigned and subscribed underwriter user when a surety bond producer signs a bond or rider. This notification will not default to Account Administrators if another user is not subscribed.\n\n\n",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\00_common\\maps\\topics\\surety_entityNotifications.md",
      "relative_path": "maps\\NMLS\\surety\\00_common\\maps\\topics\\surety_entityNotifications.md",
      "headings": [
        "ESB Entity Notifications {#xd_6398752935c24d41-5c7a429b-19a2087ca5a--7fe9 .reference}"
      ],
      "html_link": "/docs/maps/NMLS/surety/00_common/maps/topics/surety_entityNotifications.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_BOR_change.md:chunk-0",
      "title": "Changing the Broker of Record for an Electronic Surety Bond \\(ESB\\) {#esb_brokerOfRecord_shared .task}",
      "content": "# Changing the Broker of Record for an Electronic Surety Bond \\(ESB\\) \n\nThe Broker of Record \\(BOR\\) change process in NMLS allows a bond to be transferred from one surety bond producer to another while maintaining its active status and association with the surety company and regulator.\n\nThe Broker of Record \\(BOR\\) identifies the surety bond producer responsible for managing an Electronic Surety Bond \\(ESB\\) on behalf of the surety company. When a licensee changes the producer that represents its bond, a BOR change must be completed in NMLS. This ensures that all active bonds continue to be managed under the correct producer’s authority without interruption of coverage.\n\n**Note:** Only one active producer can be assigned to a bond at a time. When a BOR change is approved, the previous producer’s authority over that bond automatically ends.\n\nThe BOR change process involves all three parties associated with the bond: the licensee, the outgoing producer, and the incoming producer. The surety company reviews and approves the change before it takes effect.\n\n1.  Sign in to NMLS using an account with **Manage Bonds** or **Manage and Sign Bonds** permissions.\n\n2.  From the Tasks tab, select **Electronic Surety Bonds**, then choose **Broker of Record Changes**.\n\n3.  Review the list of pending BOR requests displayed on the View BOR Changes page.\n\n    **Note:** Each entry lists the bond number, licensee name, current producer, and proposed producer. The surety company must review each request individually before approval.\n\n4.  Open a BOR request to view details, including the bond type, state, and effective date of the requested transfer.\n\n5.  Choose one of the following actions:\n\n    1.  **Approve** — Confirms the new producer’s appointment as the Broker of Record and automatically deactivates the previous producer’s bond access.\n\n    2.  **Reject** — Declines the request, maintaining the current producer’s status as Broker of Record.\n\n    **Note:** When approved, NMLS autom",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_BOR_change.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_BOR_change.md",
      "headings": [
        "Changing the Broker of Record for an Electronic Surety Bond \\(ESB\\) {#esb_brokerOfRecord_shared .task}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_BOR_change.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_BOR_change.md:chunk-1",
      "title": "Changing the Broker of Record for an Electronic Surety Bond \\(ESB\\) {#esb_brokerOfRecord_shared .task}",
      "content": "lly deactivates the previous producer’s bond access.\n\n    2.  **Reject** — Declines the request, maintaining the current producer’s status as Broker of Record.\n\n    **Note:** When approved, NMLS automatically updates the bond record to reflect the new producer and notifies all parties of the completed change. If rejected, the requesting producer and licensee receive a notification explaining the reason for rejection.\n\n6.  Select **Submit** to confirm your decision.\n\n    **Note:** Once the BOR change is submitted, the system generates a new audit entry in the bond record showing the transfer date, new producer name, and user who approved the change.\n\n**Tips for managing Broker of Record changes**\n\n-   Ensure the new producer has an active association with the surety company before approving a BOR change.\n-   Review the bond’s state and license type to verify that the regulator allows mid-term BOR transfers.\n-   Communicate with both producers and the licensee to confirm effective dates and coverage expectations.\n-   Monitor the View BOR Changes page regularly to ensure pending requests are processed promptly.\n\n**Note:** Regulators are automatically notified when a BOR change is completed. No additional submission or documentation is required outside of NMLS.\n\n**Parent topic:**Bond Management for Surety Bond Producers",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_BOR_change.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_BOR_change.md",
      "headings": [
        "Changing the Broker of Record for an Electronic Surety Bond \\(ESB\\) {#esb_brokerOfRecord_shared .task}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_BOR_change.html",
      "snippet": null
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    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_BOR_change_2.md:chunk-0",
      "title": "Changing the Broker of Record for an Electronic Surety Bond \\(ESB\\) {#esb_brokerOfRecord_shared .task}",
      "content": "# Changing the Broker of Record for an Electronic Surety Bond \\(ESB\\) \n\nThe Broker of Record \\(BOR\\) change process in NMLS allows a bond to be transferred from one surety bond producer to another while maintaining its active status and association with the surety company and regulator.\n\nThe Broker of Record \\(BOR\\) identifies the surety bond producer responsible for managing an Electronic Surety Bond \\(ESB\\) on behalf of the surety company. When a licensee changes the producer that represents its bond, a BOR change must be completed in NMLS. This ensures that all active bonds continue to be managed under the correct producer’s authority without interruption of coverage.\n\n**Note:** Only one active producer can be assigned to a bond at a time. When a BOR change is approved, the previous producer’s authority over that bond automatically ends.\n\nThe BOR change process involves all three parties associated with the bond: the licensee, the outgoing producer, and the incoming producer. The surety company reviews and approves the change before it takes effect.\n\n1.  Sign in to NMLS using an account with **Manage Bonds** or **Manage and Sign Bonds** permissions.\n\n2.  From the Tasks tab, select **Electronic Surety Bonds**, then choose **Broker of Record Changes**.\n\n3.  Review the list of pending BOR requests displayed on the View BOR Changes page.\n\n    **Note:** Each entry lists the bond number, licensee name, current producer, and proposed producer. The surety company must review each request individually before approval.\n\n4.  Open a BOR request to view details, including the bond type, state, and effective date of the requested transfer.\n\n5.  Choose one of the following actions:\n\n    1.  **Approve** — Confirms the new producer’s appointment as the Broker of Record and automatically deactivates the previous producer’s bond access.\n\n    2.  **Reject** — Declines the request, maintaining the current producer’s status as Broker of Record.\n\n    **Note:** When approved, NMLS autom",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_BOR_change_2.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_BOR_change_2.md",
      "headings": [
        "Changing the Broker of Record for an Electronic Surety Bond \\(ESB\\) {#esb_brokerOfRecord_shared .task}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_BOR_change_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_BOR_change_2.md:chunk-1",
      "title": "Changing the Broker of Record for an Electronic Surety Bond \\(ESB\\) {#esb_brokerOfRecord_shared .task}",
      "content": "lly deactivates the previous producer’s bond access.\n\n    2.  **Reject** — Declines the request, maintaining the current producer’s status as Broker of Record.\n\n    **Note:** When approved, NMLS automatically updates the bond record to reflect the new producer and notifies all parties of the completed change. If rejected, the requesting producer and licensee receive a notification explaining the reason for rejection.\n\n6.  Select **Submit** to confirm your decision.\n\n    **Note:** Once the BOR change is submitted, the system generates a new audit entry in the bond record showing the transfer date, new producer name, and user who approved the change.\n\n**Tips for managing Broker of Record changes**\n\n-   Ensure the new producer has an active association with the surety company before approving a BOR change.\n-   Review the bond’s state and license type to verify that the regulator allows mid-term BOR transfers.\n-   Communicate with both producers and the licensee to confirm effective dates and coverage expectations.\n-   Monitor the View BOR Changes page regularly to ensure pending requests are processed promptly.\n\n**Note:** Regulators are automatically notified when a BOR change is completed. No additional submission or documentation is required outside of NMLS.\n\n**Parent topic:**Bond Management for Surety Companies",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_BOR_change_2.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_BOR_change_2.md",
      "headings": [
        "Changing the Broker of Record for an Electronic Surety Bond \\(ESB\\) {#esb_brokerOfRecord_shared .task}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_BOR_change_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_ESBinNMLS.md:chunk-0",
      "title": "Electronic Surety Bonds \\(ESB\\) in NMLS {#surety_esb_overview .concept}",
      "content": "# Electronic Surety Bonds \\(ESB\\) in NMLS \n\nElectronic Surety Bonds are managed in NMLS so that surety bond requirements and records can be tracked and maintained by authorized surety companies and surety bond producers as part of the System of Record for state licensing.\n\nNMLS supports Electronic Surety Bond \\(ESB\\) tracking so state regulators, surety companies, and surety bond producers can work from the same authoritative data set for company surety bonds. ESB functionality enables licensees to grant authority to their selected surety entities, and enables those surety entities to create, execute, deliver, and maintain bond records within NMLS.\n\n**Scope:** ESB currently applies to *company* bonds that states have adopted for electronic processing in NMLS. Branch and individual bonds are not in scope at this time.\n\n**Participants and responsibilities**\n\n-   **Licensee \\(company\\):** Grants authority in NMLS to the surety company and/or surety bond producer so they can act on the company’s behalf for ESB activities.\n-   **Surety Bond Producer \\(SBP\\)/Agent:** Creates and manages bond records for the licensee once authority is granted; has full execution authority when associated to a surety company.\n-   **Surety Company \\(SC\\):** Underwrites and executes bonds; can review and edit certain details prior to representative signature; manages bond lifecycle actions and reporting.\n-   **State Regulator:** Reviews delivered bonds and may accept them or return them for correction; regulator actions drive certain lifecycle outcomes in NMLS.\n\n**High-level ESB process in NMLS**\n\n1.  **Authority granted:** The licensee searches for and selects the surety company and/or SBP in NMLS and grants authority so the surety entity can act on the licensee’s behalf.\n2.  **Bond record created:** The SBP or SC creates a bond record in NMLS \\(for a new bond or to convert an eligible paper bond listed on the state adoption table\\).\n3.  **Execution by surety entity:** The responsible surety",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_ESBinNMLS.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_ESBinNMLS.md",
      "headings": [
        "Electronic Surety Bonds \\(ESB\\) in NMLS {#surety_esb_overview .concept}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_ESBinNMLS.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_ESBinNMLS.md:chunk-1",
      "title": "Electronic Surety Bonds \\(ESB\\) in NMLS {#surety_esb_overview .concept}",
      "content": "ed:** The SBP or SC creates a bond record in NMLS \\(for a new bond or to convert an eligible paper bond listed on the state adoption table\\).\n3.  **Execution by surety entity:** The responsible surety representative executes/signs the bond. \\(Bond numbers continue to follow the underwriting company’s numbering practices.\\)\n4.  **Delivery to regulator:** The executed bond is delivered in NMLS to the appropriate state regulator for review.\n5.  **Regulator review:** The regulator accepts the bond or returns it. If returned, NMLS notifies surety entities with a reason code and explanation.\n6.  **Lifecycle maintenance:** Authorized surety entities manage updates over time, which can include riders/endorsements \\(one rider at a time per bond\\), renewals/updates, cancellations, or other corrections per regulator guidance.\n7.  **Tracking and reporting:** Surety entities monitor activity using their bond management views and available transaction reports.\n\n**Key operating notes**\n\n-   **Bond numbering:** Bond numbers are assigned per underwriting company practices. Because this is a free-form field, enter values consistently and follow any company-specific rules for special characters.\n-   **Returned bonds and notifications:** If a regulator returns a bond, NMLS notifies the surety entities and includes a reason code and explanation.\n-   **Impact on riders:** Delivered riders tied to a returned bond are automatically voided and captured in the returned-bond snapshot; pending riders are voided and not captured.\n-   **Cancel vs. return vs. void:** A *cancelled* bond was in effect and then cancelled by the surety; a *returned* bond is sent back by the regulator; a *voided* bond is returned by and then voided by the surety.\n-   **Reusing bond numbers:** A bond number can be reused if a pending bond is deleted or if a regulator-returned bond is subsequently voided by the surety company.\n-   **Voiding returned bonds:** Only the surety company identified on the bond can void a retu",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_ESBinNMLS.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_ESBinNMLS.md",
      "headings": [
        "Electronic Surety Bonds \\(ESB\\) in NMLS {#surety_esb_overview .concept}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_ESBinNMLS.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_ESBinNMLS.md:chunk-2",
      "title": "Electronic Surety Bonds \\(ESB\\) in NMLS {#surety_esb_overview .concept}",
      "content": "f a pending bond is deleted or if a regulator-returned bond is subsequently voided by the surety company.\n-   **Voiding returned bonds:** Only the surety company identified on the bond can void a returned bond \\(which also enables bond number reuse\\).\n-   **Form version changes:** When bond form upgrades/revisions are required, SBPs/agents can complete the upgrade in NMLS; the surety company and agent should coordinate approvals outside NMLS as needed.\n\n**Tip:** Subsequent topics in this guide cover account setup, association management, navigation, bond creation and execution, lifecycle updates \\(riders, renewals, and replacements\\), regulator returns, troubleshooting, and reporting.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_ESBinNMLS.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_ESBinNMLS.md",
      "headings": [
        "Electronic Surety Bonds \\(ESB\\) in NMLS {#surety_esb_overview .concept}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_ESBinNMLS.html",
      "snippet": null
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    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_ESBinNMLS_2.md:chunk-0",
      "title": "Electronic Surety Bonds \\(ESB\\) in NMLS {#surety_esb_overview .concept}",
      "content": "# Electronic Surety Bonds \\(ESB\\) in NMLS \n\nElectronic Surety Bonds are managed in NMLS so that surety bond requirements and records can be tracked and maintained by authorized surety companies and surety bond producers as part of the System of Record for state licensing.\n\nNMLS supports Electronic Surety Bond \\(ESB\\) tracking so state regulators, surety companies, and surety bond producers can work from the same authoritative data set for company surety bonds. ESB functionality enables licensees to grant authority to their selected surety entities, and enables those surety entities to create, execute, deliver, and maintain bond records within NMLS.\n\n**Scope:** ESB currently applies to *company* bonds that states have adopted for electronic processing in NMLS. Branch and individual bonds are not in scope at this time.\n\n**Participants and responsibilities**\n\n-   **Licensee \\(company\\):** Grants authority in NMLS to the surety company and/or surety bond producer so they can act on the company’s behalf for ESB activities.\n-   **Surety Bond Producer \\(SBP\\)/Agent:** Creates and manages bond records for the licensee once authority is granted; has full execution authority when associated to a surety company.\n-   **Surety Company \\(SC\\):** Underwrites and executes bonds; can review and edit certain details prior to representative signature; manages bond lifecycle actions and reporting.\n-   **State Regulator:** Reviews delivered bonds and may accept them or return them for correction; regulator actions drive certain lifecycle outcomes in NMLS.\n\n**High-level ESB process in NMLS**\n\n1.  **Authority granted:** The licensee searches for and selects the surety company and/or SBP in NMLS and grants authority so the surety entity can act on the licensee’s behalf.\n2.  **Bond record created:** The SBP or SC creates a bond record in NMLS \\(for a new bond or to convert an eligible paper bond listed on the state adoption table\\).\n3.  **Execution by surety entity:** The responsible surety",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_ESBinNMLS_2.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_ESBinNMLS_2.md",
      "headings": [
        "Electronic Surety Bonds \\(ESB\\) in NMLS {#surety_esb_overview .concept}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_ESBinNMLS_2.html",
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      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_ESBinNMLS_2.md:chunk-1",
      "title": "Electronic Surety Bonds \\(ESB\\) in NMLS {#surety_esb_overview .concept}",
      "content": "ed:** The SBP or SC creates a bond record in NMLS \\(for a new bond or to convert an eligible paper bond listed on the state adoption table\\).\n3.  **Execution by surety entity:** The responsible surety representative executes/signs the bond. \\(Bond numbers continue to follow the underwriting company’s numbering practices.\\)\n4.  **Delivery to regulator:** The executed bond is delivered in NMLS to the appropriate state regulator for review.\n5.  **Regulator review:** The regulator accepts the bond or returns it. If returned, NMLS notifies surety entities with a reason code and explanation.\n6.  **Lifecycle maintenance:** Authorized surety entities manage updates over time, which can include riders/endorsements \\(one rider at a time per bond\\), renewals/updates, cancellations, or other corrections per regulator guidance.\n7.  **Tracking and reporting:** Surety entities monitor activity using their bond management views and available transaction reports.\n\n**Key operating notes**\n\n-   **Bond numbering:** Bond numbers are assigned per underwriting company practices. Because this is a free-form field, enter values consistently and follow any company-specific rules for special characters.\n-   **Returned bonds and notifications:** If a regulator returns a bond, NMLS notifies the surety entities and includes a reason code and explanation.\n-   **Impact on riders:** Delivered riders tied to a returned bond are automatically voided and captured in the returned-bond snapshot; pending riders are voided and not captured.\n-   **Cancel vs. return vs. void:** A *cancelled* bond was in effect and then cancelled by the surety; a *returned* bond is sent back by the regulator; a *voided* bond is returned by and then voided by the surety.\n-   **Reusing bond numbers:** A bond number can be reused if a pending bond is deleted or if a regulator-returned bond is subsequently voided by the surety company.\n-   **Voiding returned bonds:** Only the surety company identified on the bond can void a retu",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_ESBinNMLS_2.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_ESBinNMLS_2.md",
      "headings": [
        "Electronic Surety Bonds \\(ESB\\) in NMLS {#surety_esb_overview .concept}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_ESBinNMLS_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_ESBinNMLS_2.md:chunk-2",
      "title": "Electronic Surety Bonds \\(ESB\\) in NMLS {#surety_esb_overview .concept}",
      "content": "f a pending bond is deleted or if a regulator-returned bond is subsequently voided by the surety company.\n-   **Voiding returned bonds:** Only the surety company identified on the bond can void a returned bond \\(which also enables bond number reuse\\).\n-   **Form version changes:** When bond form upgrades/revisions are required, SBPs/agents can complete the upgrade in NMLS; the surety company and agent should coordinate approvals outside NMLS as needed.\n\n**Tip:** Subsequent topics in this guide cover account setup, association management, navigation, bond creation and execution, lifecycle updates \\(riders, renewals, and replacements\\), regulator returns, troubleshooting, and reporting.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_ESBinNMLS_2.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_ESBinNMLS_2.md",
      "headings": [
        "Electronic Surety Bonds \\(ESB\\) in NMLS {#surety_esb_overview .concept}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_ESBinNMLS_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_ESBrolesAndResponsibilities.md:chunk-0",
      "title": "Roles and Responsibilities with NMLS Electronic Surety Bonds {#surety_roles_responsibilities .concept}",
      "content": "# Roles and Responsibilities with NMLS Electronic Surety Bonds \n\nSurety companies and surety bond producers each have specific responsibilities and user roles in NMLS that define how they manage Electronic Surety Bond \\(ESB\\) activities. This topic explains those responsibilities and summarizes the system roles available to each entity type.\n\n## Overview of responsibilities { .section}\n\nNMLS defines specific responsibilities for each participant involved in Electronic Surety Bond \\(ESB\\) processing:\n\n-   **Surety Company \\(SC\\):** Underwrites and executes bonds, manages associations with bond producers, and maintains the company’s profile and underwriting company data in NMLS. Surety companies may also sign bonds or riders when designated to do so.\n-   **Surety Bond Producer \\(SBP\\):** Acts as an intermediary between licensees and surety companies. SBPs prepare and manage bond records on behalf of licensees and may execute bonds if designated as representatives within an active association.\n-   **Licensee \\(Principal\\):** Grants authority to surety entities through NMLS, initiating bond creation or conversion and maintaining compliance with regulator instructions.\n-   **Regulator:** Reviews delivered bonds, accepts or returns them for correction, and enforces license-specific bonding requirements.\n\n## User types within surety entities { .section}\n\nEach surety company or surety bond producer account in NMLS includes two user types that determine access and administrative scope:\n\n-   **Account Administrator:** Holds full access to the entity’s NMLS account. Can create organization users, assign roles, manage associations, sign bonds if applicable, and update entity profile information.\n-   **Organization User:** Created by an Account Administrator. Can view the entity’s profile and perform tasks associated with any roles assigned during account creation or later updates. Multiple roles may be assigned to the same organization user.\n\n## Available system roles { .sectio",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_ESBrolesAndResponsibilities.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_ESBrolesAndResponsibilities.md",
      "headings": [
        "Roles and Responsibilities with NMLS Electronic Surety Bonds {#surety_roles_responsibilities .concept}",
        "Overview of responsibilities { .section}",
        "User types within surety entities { .section}",
        "Available system roles { .section}",
        "Representative designation { .section}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_ESBrolesAndResponsibilities.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_ESBrolesAndResponsibilities.md:chunk-1",
      "title": "Roles and Responsibilities with NMLS Electronic Surety Bonds {#surety_roles_responsibilities .concept}",
      "content": "rofile and perform tasks associated with any roles assigned during account creation or later updates. Multiple roles may be assigned to the same organization user.\n\n## Available system roles { .section}\n\nThe following table summarizes the roles available to organization users for both surety companies and surety bond producers:\n\n|Role|Surety Company|Surety Bond Producer|\n|----|--------------|--------------------|\n|Manage Associations|Create and manage associations and representatives \\(Attorney-in-Fact\\) within associations.|Manage representatives and view/manage associations. Can accept, reject, or request corrections for association requests.|\n|Manage Bonds|Create, view, and manage bonds and riders; initiate broker of record changes.|Create and view bonds and bond riders when associated with a surety company.|\n|Manage and Sign Bonds|Includes all Manage Bonds functions plus ability to sign bonds and riders.|Not a separate role; signature authority is granted through representative designation.|\n|Manage Profile|Maintain entity profile, contact information, state authorizations, and underwriting companies.|Maintain producer profile, contact information, and state authorizations.|\n|View Confidential Information|View the entity’s EIN.|View the entity’s EIN.|\n|Manage Reports|Request and view reports on bonds and associations.|Request and view reports on bonds and associations.|\n\n## Representative designation { .section}\n\nTo sign bonds or bond riders in NMLS, an organization user must be designated as a representative:\n\n-   Surety companies assign representative authority within the association record connecting them to a surety bond producer.\n-   Surety bond producers can sign bonds only when both the **Manage Bonds** role is assigned and they are identified as a representative on an active association.\n-   Representative assignments are maintained on the Surety Company Associations page under the Tasks tab in NMLS.\n\n**Note:** Representative authority enables legally bi",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_ESBrolesAndResponsibilities.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_ESBrolesAndResponsibilities.md",
      "headings": [
        "Roles and Responsibilities with NMLS Electronic Surety Bonds {#surety_roles_responsibilities .concept}",
        "Overview of responsibilities { .section}",
        "User types within surety entities { .section}",
        "Available system roles { .section}",
        "Representative designation { .section}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_ESBrolesAndResponsibilities.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_ESBrolesAndResponsibilities.md:chunk-2",
      "title": "Roles and Responsibilities with NMLS Electronic Surety Bonds {#surety_roles_responsibilities .concept}",
      "content": "tive on an active association.\n-   Representative assignments are maintained on the Surety Company Associations page under the Tasks tab in NMLS.\n\n**Note:** Representative authority enables legally binding execution of bonds on behalf of the associated surety entity.\n\n**Parent topic:**Surety Bond Producer Account Administration",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_ESBrolesAndResponsibilities.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_ESBrolesAndResponsibilities.md",
      "headings": [
        "Roles and Responsibilities with NMLS Electronic Surety Bonds {#surety_roles_responsibilities .concept}",
        "Overview of responsibilities { .section}",
        "User types within surety entities { .section}",
        "Available system roles { .section}",
        "Representative designation { .section}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_ESBrolesAndResponsibilities.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_ESBrolesAndResponsibilities_2.md:chunk-0",
      "title": "Roles and Responsibilities with NMLS Electronic Surety Bonds {#surety_roles_responsibilities .concept}",
      "content": "# Roles and Responsibilities with NMLS Electronic Surety Bonds \n\nSurety companies and surety bond producers each have specific responsibilities and user roles in NMLS that define how they manage Electronic Surety Bond \\(ESB\\) activities. This topic explains those responsibilities and summarizes the system roles available to each entity type.\n\n## Overview of responsibilities { .section}\n\nNMLS defines specific responsibilities for each participant involved in Electronic Surety Bond \\(ESB\\) processing:\n\n-   **Surety Company \\(SC\\):** Underwrites and executes bonds, manages associations with bond producers, and maintains the company’s profile and underwriting company data in NMLS. Surety companies may also sign bonds or riders when designated to do so.\n-   **Surety Bond Producer \\(SBP\\):** Acts as an intermediary between licensees and surety companies. SBPs prepare and manage bond records on behalf of licensees and may execute bonds if designated as representatives within an active association.\n-   **Licensee \\(Principal\\):** Grants authority to surety entities through NMLS, initiating bond creation or conversion and maintaining compliance with regulator instructions.\n-   **Regulator:** Reviews delivered bonds, accepts or returns them for correction, and enforces license-specific bonding requirements.\n\n## User types within surety entities { .section}\n\nEach surety company or surety bond producer account in NMLS includes two user types that determine access and administrative scope:\n\n-   **Account Administrator:** Holds full access to the entity’s NMLS account. Can create organization users, assign roles, manage associations, sign bonds if applicable, and update entity profile information.\n-   **Organization User:** Created by an Account Administrator. Can view the entity’s profile and perform tasks associated with any roles assigned during account creation or later updates. Multiple roles may be assigned to the same organization user.\n\n## Available system roles { .sectio",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_ESBrolesAndResponsibilities_2.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_ESBrolesAndResponsibilities_2.md",
      "headings": [
        "Roles and Responsibilities with NMLS Electronic Surety Bonds {#surety_roles_responsibilities .concept}",
        "Overview of responsibilities { .section}",
        "User types within surety entities { .section}",
        "Available system roles { .section}",
        "Representative designation { .section}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_ESBrolesAndResponsibilities_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_ESBrolesAndResponsibilities_2.md:chunk-1",
      "title": "Roles and Responsibilities with NMLS Electronic Surety Bonds {#surety_roles_responsibilities .concept}",
      "content": "rofile and perform tasks associated with any roles assigned during account creation or later updates. Multiple roles may be assigned to the same organization user.\n\n## Available system roles { .section}\n\nThe following table summarizes the roles available to organization users for both surety companies and surety bond producers:\n\n|Role|Surety Company|Surety Bond Producer|\n|----|--------------|--------------------|\n|Manage Associations|Create and manage associations and representatives \\(Attorney-in-Fact\\) within associations.|Manage representatives and view/manage associations. Can accept, reject, or request corrections for association requests.|\n|Manage Bonds|Create, view, and manage bonds and riders; initiate broker of record changes.|Create and view bonds and bond riders when associated with a surety company.|\n|Manage and Sign Bonds|Includes all Manage Bonds functions plus ability to sign bonds and riders.|Not a separate role; signature authority is granted through representative designation.|\n|Manage Profile|Maintain entity profile, contact information, state authorizations, and underwriting companies.|Maintain producer profile, contact information, and state authorizations.|\n|View Confidential Information|View the entity’s EIN.|View the entity’s EIN.|\n|Manage Reports|Request and view reports on bonds and associations.|Request and view reports on bonds and associations.|\n\n## Representative designation { .section}\n\nTo sign bonds or bond riders in NMLS, an organization user must be designated as a representative:\n\n-   Surety companies assign representative authority within the association record connecting them to a surety bond producer.\n-   Surety bond producers can sign bonds only when both the **Manage Bonds** role is assigned and they are identified as a representative on an active association.\n-   Representative assignments are maintained on the Surety Company Associations page under the Tasks tab in NMLS.\n\n**Note:** Representative authority enables legally bi",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_ESBrolesAndResponsibilities_2.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_ESBrolesAndResponsibilities_2.md",
      "headings": [
        "Roles and Responsibilities with NMLS Electronic Surety Bonds {#surety_roles_responsibilities .concept}",
        "Overview of responsibilities { .section}",
        "User types within surety entities { .section}",
        "Available system roles { .section}",
        "Representative designation { .section}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_ESBrolesAndResponsibilities_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_ESBrolesAndResponsibilities_2.md:chunk-2",
      "title": "Roles and Responsibilities with NMLS Electronic Surety Bonds {#surety_roles_responsibilities .concept}",
      "content": "tive on an active association.\n-   Representative assignments are maintained on the Surety Company Associations page under the Tasks tab in NMLS.\n\n**Note:** Representative authority enables legally binding execution of bonds on behalf of the associated surety entity.\n\n**Parent topic:**Surety Company Account Administration",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_ESBrolesAndResponsibilities_2.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_ESBrolesAndResponsibilities_2.md",
      "headings": [
        "Roles and Responsibilities with NMLS Electronic Surety Bonds {#surety_roles_responsibilities .concept}",
        "Overview of responsibilities { .section}",
        "User types within surety entities { .section}",
        "Available system roles { .section}",
        "Representative designation { .section}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_ESBrolesAndResponsibilities_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_NMLSuserRoles.md:chunk-0",
      "title": "NMLS User Roles for Surety Companies {#surety_sc_userRoles_manage .task}",
      "content": "# NMLS User Roles for Surety Companies \n\nAccount Administrators assign and maintain user roles for their surety company’s Organization Users in NMLS. Users may hold multiple roles. Changes take effect immediately.\n\nSurety company user access is controlled by roles assigned to **Organization Users** by an **Account Administrator**. Available roles include:\n\n-   **Manage Associations:** Create and manage associations and *representatives \\(Attorney-in-Fact\\)* within associations.\n-   **Manage Bonds:** Create and view bonds and riders; create and view broker of record changes.\n-   **Manage and Sign Bonds:** All *Manage Bonds* capabilities plus the ability to sign bonds and riders.\n-   **Manage Surety Company Profile:** Manage entity profile, contact information, state authorizations, and underwriting companies.\n-   **View Confidential Information:** View the entity’s EIN.\n-   **Manage Reports:** Request and view report\\(s\\).\n\n**Tip:** Assign only the roles required for a user’s job duties \\(least-privilege\\). Review role assignments periodically and whenever responsibilities change.\n\n1.  Sign in to NMLS as an **Account Administrator**.\n\n2.  Open the Organization Users area.\n\n    From your entity record, use the user administration/management option to access the list of Organization Users.\n\n3.  To add a new user, select **New User** and enter required user details; to change an existing user, select the user and choose **Edit**.\n\n4.  In the roles section, select the check boxes for the roles the user should have.\n\n    -   Choose **Manage and Sign Bonds** for users who must execute/sign bonds or riders.\n    -   Choose **Manage Associations** for users who create or maintain associations and designate representatives.\n    -   Choose **Manage Surety Company Profile** for users who maintain company profile details and underwriting company data.\n5.  Select **Save** to apply role changes.\n\n6.  \\(If applicable\\) Manage representative designation within the relevant associatio",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_NMLSuserRoles.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_NMLSuserRoles.md",
      "headings": [
        "NMLS User Roles for Surety Companies {#surety_sc_userRoles_manage .task}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_NMLSuserRoles.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_NMLSuserRoles.md:chunk-1",
      "title": "NMLS User Roles for Surety Companies {#surety_sc_userRoles_manage .task}",
      "content": "s who maintain company profile details and underwriting company data.\n5.  Select **Save** to apply role changes.\n\n6.  \\(If applicable\\) Manage representative designation within the relevant association.\n\n    Representative authority \\(Attorney-in-Fact\\) is set on the association record and is required for users who will sign bonds or riders. This is managed from the association screens, not the user profile.\n\n-   Update or revoke roles promptly when users’ responsibilities change.\n-   Deactivate user accounts that are no longer needed.\n-   Use reports to review activity associated with specific users or roles, as appropriate.\n\n**Parent topic:**Surety Company Account Administration",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_NMLSuserRoles.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_NMLSuserRoles.md",
      "headings": [
        "NMLS User Roles for Surety Companies {#surety_sc_userRoles_manage .task}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_NMLSuserRoles.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_accountCreation.md:chunk-0",
      "title": "NMLS Account Creation for Surety Companies {#surety_sc_accountCreation .task}",
      "content": "# NMLS Account Creation for Surety Companies \n\nEstablishing an NMLS account for a surety company involves completing a two-part request process: the Surety Company Limited Account Request and the Surety Company Full Entity Request.\n\nSurety company accounts in NMLS are created through a two-stage submission process reviewed and verified by the NMLS Operations team. Both stages rely on matching information from the National Association of Insurance Commissioners \\(NAIC\\) database, so it is critical that all identifying data is entered exactly as it appears in NAIC records.\n\nThe person identified as the **Primary Contact** must have legal authority to act on behalf of the company and must attest that all information submitted is correct. If unsure who should complete the request, coordinate internally with company leadership or legal counsel.\n\n1.  Complete the Surety Company Limited Account Request form.\n\n    1.  Navigate to the Surety Company Limited Account Request page.\n\n    2.  Enter the displayed security letters and numbers, then select **Next**.\n\n    3.  Complete all required fields, including your company’s legal name, **NAIC number** and/or **EIN**, and a valid email address for the Primary Contact.\n\n    4.  Review your entries, then select **Finish** if accurate. Use **Previous** to make corrections.\n\n    5.  Monitor email for an approval or rejection notice from **NMLS\\_Notifications@NMLSNotifications.com** within two to three business days.\n\n        **Note:** Rejections may occur if data does not match NAIC records, identifiers already exist in NMLS, or fields are incomplete.\n\n2.  After Limited Account approval, complete the Surety Company Full Entity Request.\n\n    1.  Log in to NMLS using the credentials provided in the approval emails.\n\n        Maintain your username and password securely; you will use these credentials for future NMLS access.\n\n    2.  From the NMLS landing page, navigate to the Surety Company Full Entity Request.\n\n    3.  Complete all se",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_accountCreation.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_accountCreation.md",
      "headings": [
        "NMLS Account Creation for Surety Companies {#surety_sc_accountCreation .task}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_accountCreation.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_accountCreation.md:chunk-1",
      "title": "NMLS Account Creation for Surety Companies {#surety_sc_accountCreation .task}",
      "content": "username and password securely; you will use these credentials for future NMLS access.\n\n    2.  From the NMLS landing page, navigate to the Surety Company Full Entity Request.\n\n    3.  Complete all sections in the left navigation panel.\n\n        **Note:** After entering information on each page, select **Save** and then **Next** to proceed.\n\n    4.  In the Contact Information section, use the **Copy** button if the Secondary Contact is the same as Account Administrator \\#2.\n\n    5.  In the Underwriting Companies section, select **New Underwriting Company** and enter information for each related underwriting entity.\n\n        Attach required formation documents in PDF format \\(merged into a single file, not password-protected, maximum 8 MB\\).\n\n    6.  In the File Attachment section, use **Choose File** and **Attach File** to upload any required formation or authorization documents. See Surety Company Account Request and Styate Authorization Form for a list of required documentation.\n\n    7.  Review the attestation, select the confirmation check box, and select **Submit Request**.\n\n        **Note:** If required fields are missing, an error message will identify which sections need completion before submission.\n\n    8.  Wait for NMLS verification of submitted data against NAIC records.\n\n        Account Administrators will receive an email within five to seven business days indicating approval, a request for correction, or rejection.\n\n        **Note:** **Tips for a successful account setup:**\n\n        -   Ensure all company information exactly matches NAIC records before submitting.\n        -   Merge multi-file document uploads into a single PDF under 8 MB; do not password-protect the file.\n        -   Retain a copy of your attestation and account approval emails for reference.\n\n**Parent topic:**Surety Company Account Administration",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_accountCreation.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_accountCreation.md",
      "headings": [
        "NMLS Account Creation for Surety Companies {#surety_sc_accountCreation .task}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_accountCreation.html",
      "snippet": null
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    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_accountCreation.md:chunk-2",
      "title": "NMLS Account Creation for Surety Companies {#surety_sc_accountCreation .task}",
      "content": "ce.\n\n**Parent topic:**Surety Company Account Administration",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_accountCreation.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_accountCreation.md",
      "headings": [
        "NMLS Account Creation for Surety Companies {#surety_sc_accountCreation .task}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_accountCreation.html",
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    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_associationRequest_create.md:chunk-0",
      "title": "Creating an Association Request \\(Surety Company Perspective\\) {#surety_sc_associations_create .task}",
      "content": "# Creating an Association Request \\(Surety Company Perspective\\) \n\nSurety companies initiate association requests in NMLS to establish formal relationships with surety bond producers. An approved association allows the producer to execute Electronic Surety Bonds \\(ESBs\\) on behalf of the surety company.\n\nBefore initiating an association, verify that both your surety company and the surety bond producer are authorized to conduct ESB transactions in the same states. Associations define the producer’s execution authority and the representatives authorized to sign bonds on the surety company’s behalf.\n\n**Tip:** Only surety companies can initiate association requests. Surety bond producers can view, accept, reject, or request corrections once the request has been submitted.\n\n1.  Sign in to NMLS as a user with **Manage Associations** permissions.\n\n2.  Go to the Tasks tab and select **Company Associations** from the submenu.\n\n3.  Enter the **NPN** or **Name** of the surety bond producer to locate their company record.\n\n    **Note:** Use the search filters to narrow results by approved state authorizations if needed.\n\n4.  Select the radio button beside the appropriate surety bond producer, then click **Next**.\n\n5.  Indicate whether the surety bond producer will have execution authority by selecting **Yes** or **No**, then click **Next**.\n\n    **Important:** Currently, NMLS supports only associations *with* execution authority. An association without execution authority cannot be created in the system.\n\n6.  Select the applicable underwriting company from the list, then click **Next**.\n\n    **Note:** If your surety company has multiple underwriting entities, choose the one under which the association will be established.\n\n7.  Select the states where the producer will be authorized to execute bonds on behalf of your company or underwriting company.\n\n    **Note:** Provide a bond limit for each selected state, then click **Next**.\n\n    **Tip:** Only states where both entities ho",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_associationRequest_create.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_associationRequest_create.md",
      "headings": [
        "Creating an Association Request \\(Surety Company Perspective\\) {#surety_sc_associations_create .task}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_associationRequest_create.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_associationRequest_create.md:chunk-1",
      "title": "Creating an Association Request \\(Surety Company Perspective\\) {#surety_sc_associations_create .task}",
      "content": "d to execute bonds on behalf of your company or underwriting company.\n\n    **Note:** Provide a bond limit for each selected state, then click **Next**.\n\n    **Tip:** Only states where both entities hold regulator-approved authority will appear as available selections.\n\n8.  Select the representatives who will have execution authority for the chosen states, and specify each representative’s bond limit.\n\n    **Note:** Representatives must be active under the producer’s organization and validly associated to the producer in NMLS.\n\n    **CAUTION:**\n\n    Ensure bond limits are accurate and consistent with company policy before submitting.\n\n9.  Review the association details and attestation statement.\n\n    **Note:** Confirm that all information is correct and that the attestation check box is selected.\n\n10. Select **Request Association** to submit the association request.\n\n    **Note:** The producer will be notified of the new request and can accept, reject, or request corrections.\n\n    **Note:** To create multiple associations at once, surety companies can use the XML batch upload feature described in the Batch Uploading Associations Using XML topic.\n\n-   The association status appears as *Requested* until the producer responds.\n-   While the request is pending, the surety company may cancel it but cannot edit the information.\n-   Once accepted by the producer, the association becomes active and visible to both entities under Current Associations.\n\n**Parent topic:**Managing Associations for Surety Companies",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_associationRequest_create.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_associationRequest_create.md",
      "headings": [
        "Creating an Association Request \\(Surety Company Perspective\\) {#surety_sc_associations_create .task}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_associationRequest_create.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_association_purpose.md:chunk-0",
      "title": "Purpose of Associations in NMLS Electronic Surety Bonds {#surety_associations_purpose .concept}",
      "content": "# Purpose of Associations in NMLS Electronic Surety Bonds \n\nAssociations in NMLS establish the formal relationship between a surety company and a surety bond producer, authorizing the producer to create and execute Electronic Surety Bonds \\(ESBs\\) on behalf of the surety company.\n\nBefore an Electronic Surety Bond \\(ESB\\) can be created in NMLS, a surety company and a surety bond producer must be connected through an **association**. The association defines the business relationship that authorizes the producer to execute bonds on behalf of the company and determines the scope of that authorization by state, bond limit, and representative.\n\n## Relationship between surety companies and bond producers { .section}\n\nAn association represents a formal, regulator-recognized link between two NMLS entities:\n\n-   **Surety Company:** Initiates the association request, defines execution authority, and identifies the states and representatives included in the relationship.\n-   **Surety Bond Producer:** Reviews and accepts, rejects, or requests correction of the association request initiated by the surety company.\n\nOnce accepted, the association enables both entities to collaborate on the creation and execution of ESBs for licensees authorized in common states.\n\n## Execution authority { .section}\n\nExecution authority determines whether a surety bond producer may legally execute and deliver bonds on behalf of the surety company or its underwriting companies. This authority is set when the surety company initiates the association request and is confirmed by the surety bond producer during acceptance.\n\nEach association includes:\n\n-   The **surety company** or its **underwriting company** identified by NAIC ID.\n-   The **surety bond producer** identified by NPN.\n-   One or more **states** with authorized bond limits.\n\nExecution authority must exist for each state where both entities are authorized to issue bonds.\n\n## Representatives and bond execution { .section}\n\nWithin an associati",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_association_purpose.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_association_purpose.md",
      "headings": [
        "Purpose of Associations in NMLS Electronic Surety Bonds {#surety_associations_purpose .concept}",
        "Relationship between surety companies and bond producers { .section}",
        "Execution authority { .section}",
        "Representatives and bond execution { .section}",
        "Shared responsibilities in the association process { .section}",
        "Batch upload capability for surety companies { .section}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_association_purpose.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_association_purpose.md:chunk-1",
      "title": "Purpose of Associations in NMLS Electronic Surety Bonds {#surety_associations_purpose .concept}",
      "content": "* with authorized bond limits.\n\nExecution authority must exist for each state where both entities are authorized to issue bonds.\n\n## Representatives and bond execution { .section}\n\nWithin an association, representatives \\(sometimes referred to as Attorneys-in-Fact\\) are users of the surety bond producer who have signing authority for bonds or bond riders. The surety company identifies these representatives as part of the association request, and their authority is confirmed upon association acceptance.\n\nRepresentative assignments can include individual bond limits and are managed in the association record. A representative must be both:\n\n-   Active in the surety bond producer’s organization, and\n-   Listed in the **Representative List** of the association to execute ESBs for that company.\n\n## Shared responsibilities in the association process { .section}\n\nThe association process involves coordinated actions by both surety entities:\n\n1.  The **surety company** initiates an association request specifying execution authority, states, bond limits, and representatives.\n2.  The **surety bond producer** receives the request, reviews details, and either accepts, requests correction, or rejects it.\n3.  Once accepted, both entities receive confirmation notifications in NMLS and can begin managing ESBs together.\n\nIf changes are required later, either party can request corrections or initiate removal of the association. NMLS tracks each association’s current status and history for regulatory review.\n\n## Batch upload capability for surety companies { .section}\n\nSurety companies may create associations individually within NMLS or in bulk by uploading an XML file that conforms to the **Surety Company Association Upload Specification**. The batch upload method enables companies to generate multiple associations simultaneously using data from internal systems.\n\n**Note:** Surety bond producers cannot initiate associations or perform batch uploads; they respond to requests initiated b",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_association_purpose.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_association_purpose.md",
      "headings": [
        "Purpose of Associations in NMLS Electronic Surety Bonds {#surety_associations_purpose .concept}",
        "Relationship between surety companies and bond producers { .section}",
        "Execution authority { .section}",
        "Representatives and bond execution { .section}",
        "Shared responsibilities in the association process { .section}",
        "Batch upload capability for surety companies { .section}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_association_purpose.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_association_purpose.md:chunk-2",
      "title": "Purpose of Associations in NMLS Electronic Surety Bonds {#surety_associations_purpose .concept}",
      "content": "rate multiple associations simultaneously using data from internal systems.\n\n**Note:** Surety bond producers cannot initiate associations or perform batch uploads; they respond to requests initiated by surety companies.\n\n**Tip:** For both surety companies and bond producers, maintaining accurate association data ensures that ESB execution authority aligns with regulator-approved authorizations and that representatives’ signing authority remains current.\n\n**Parent topic:**Managing Associations for Surety Bond Producers",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_association_purpose.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_association_purpose.md",
      "headings": [
        "Purpose of Associations in NMLS Electronic Surety Bonds {#surety_associations_purpose .concept}",
        "Relationship between surety companies and bond producers { .section}",
        "Execution authority { .section}",
        "Representatives and bond execution { .section}",
        "Shared responsibilities in the association process { .section}",
        "Batch upload capability for surety companies { .section}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_association_purpose.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_association_purpose_2.md:chunk-0",
      "title": "Purpose of Associations in NMLS Electronic Surety Bonds {#surety_associations_purpose .concept}",
      "content": "# Purpose of Associations in NMLS Electronic Surety Bonds \n\nAssociations in NMLS establish the formal relationship between a surety company and a surety bond producer, authorizing the producer to create and execute Electronic Surety Bonds \\(ESBs\\) on behalf of the surety company.\n\nBefore an Electronic Surety Bond \\(ESB\\) can be created in NMLS, a surety company and a surety bond producer must be connected through an **association**. The association defines the business relationship that authorizes the producer to execute bonds on behalf of the company and determines the scope of that authorization by state, bond limit, and representative.\n\n## Relationship between surety companies and bond producers { .section}\n\nAn association represents a formal, regulator-recognized link between two NMLS entities:\n\n-   **Surety Company:** Initiates the association request, defines execution authority, and identifies the states and representatives included in the relationship.\n-   **Surety Bond Producer:** Reviews and accepts, rejects, or requests correction of the association request initiated by the surety company.\n\nOnce accepted, the association enables both entities to collaborate on the creation and execution of ESBs for licensees authorized in common states.\n\n## Execution authority { .section}\n\nExecution authority determines whether a surety bond producer may legally execute and deliver bonds on behalf of the surety company or its underwriting companies. This authority is set when the surety company initiates the association request and is confirmed by the surety bond producer during acceptance.\n\nEach association includes:\n\n-   The **surety company** or its **underwriting company** identified by NAIC ID.\n-   The **surety bond producer** identified by NPN.\n-   One or more **states** with authorized bond limits.\n\nExecution authority must exist for each state where both entities are authorized to issue bonds.\n\n## Representatives and bond execution { .section}\n\nWithin an associati",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_association_purpose_2.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_association_purpose_2.md",
      "headings": [
        "Purpose of Associations in NMLS Electronic Surety Bonds {#surety_associations_purpose .concept}",
        "Relationship between surety companies and bond producers { .section}",
        "Execution authority { .section}",
        "Representatives and bond execution { .section}",
        "Shared responsibilities in the association process { .section}",
        "Batch upload capability for surety companies { .section}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_association_purpose_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_association_purpose_2.md:chunk-1",
      "title": "Purpose of Associations in NMLS Electronic Surety Bonds {#surety_associations_purpose .concept}",
      "content": "* with authorized bond limits.\n\nExecution authority must exist for each state where both entities are authorized to issue bonds.\n\n## Representatives and bond execution { .section}\n\nWithin an association, representatives \\(sometimes referred to as Attorneys-in-Fact\\) are users of the surety bond producer who have signing authority for bonds or bond riders. The surety company identifies these representatives as part of the association request, and their authority is confirmed upon association acceptance.\n\nRepresentative assignments can include individual bond limits and are managed in the association record. A representative must be both:\n\n-   Active in the surety bond producer’s organization, and\n-   Listed in the **Representative List** of the association to execute ESBs for that company.\n\n## Shared responsibilities in the association process { .section}\n\nThe association process involves coordinated actions by both surety entities:\n\n1.  The **surety company** initiates an association request specifying execution authority, states, bond limits, and representatives.\n2.  The **surety bond producer** receives the request, reviews details, and either accepts, requests correction, or rejects it.\n3.  Once accepted, both entities receive confirmation notifications in NMLS and can begin managing ESBs together.\n\nIf changes are required later, either party can request corrections or initiate removal of the association. NMLS tracks each association’s current status and history for regulatory review.\n\n## Batch upload capability for surety companies { .section}\n\nSurety companies may create associations individually within NMLS or in bulk by uploading an XML file that conforms to the **Surety Company Association Upload Specification**. The batch upload method enables companies to generate multiple associations simultaneously using data from internal systems.\n\n**Note:** Surety bond producers cannot initiate associations or perform batch uploads; they respond to requests initiated b",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_association_purpose_2.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_association_purpose_2.md",
      "headings": [
        "Purpose of Associations in NMLS Electronic Surety Bonds {#surety_associations_purpose .concept}",
        "Relationship between surety companies and bond producers { .section}",
        "Execution authority { .section}",
        "Representatives and bond execution { .section}",
        "Shared responsibilities in the association process { .section}",
        "Batch upload capability for surety companies { .section}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_association_purpose_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_association_purpose_2.md:chunk-2",
      "title": "Purpose of Associations in NMLS Electronic Surety Bonds {#surety_associations_purpose .concept}",
      "content": "rate multiple associations simultaneously using data from internal systems.\n\n**Note:** Surety bond producers cannot initiate associations or perform batch uploads; they respond to requests initiated by surety companies.\n\n**Tip:** For both surety companies and bond producers, maintaining accurate association data ensures that ESB execution authority aligns with regulator-approved authorizations and that representatives’ signing authority remains current.\n\n**Parent topic:**Managing Associations for Surety Companies",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_association_purpose_2.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_association_purpose_2.md",
      "headings": [
        "Purpose of Associations in NMLS Electronic Surety Bonds {#surety_associations_purpose .concept}",
        "Relationship between surety companies and bond producers { .section}",
        "Execution authority { .section}",
        "Representatives and bond execution { .section}",
        "Shared responsibilities in the association process { .section}",
        "Batch upload capability for surety companies { .section}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_association_purpose_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_association_upload.md:chunk-0",
      "title": "Batch Uploading Associations Using XML {#surety_sc_associations_batchUpload .task}",
      "content": "# Batch Uploading Associations Using XML \n\nSurety companies can create multiple association requests simultaneously by uploading a properly formatted XML file that conforms to the Surety Company Association Upload Specification.\n\nDownload the Surety Association XML Template.zip folder and the Surety Association Upload Specification document. Populate the XML upload template with the associations you want to upload to NMLS.\n\nThe **Association Upload** feature enables surety companies to create multiple association requests in a single batch using an XML file \\(see the Surety Association XML Template.zip folder\\). The file must follow the required schema defined in the Surety Association Upload Specification and may include execution authority, state authorizations, bond limits, and representative details for each association.\n\nUploaded files are processed in NMLS, validated against schema rules, and either accepted or returned with error messages identifying issues that need correction. Surety bond producers cannot use this feature.\n\n1.  Sign in to NMLS with a user account that has **Manage Associations** permissions.\n\n2.  Select the Tasks tab, then choose **Company Associations** from the submenu.\n\n3.  In the left navigation panel, select **Association Upload**.\n\n4.  Click **Choose File**, then locate and select the XML file to upload.\n\n    **Important:** The XML file must have a .xml extension, cannot exceed 8 MB, and must contain fewer than 50 characters in its filename. Files must be virus-free and conform to the upload schema.\n\n5.  Review the attestation statement and confirm it by selecting the acknowledgment check box.\n\n6.  Click **Upload** to submit the batch file to NMLS.\n\n    **Tip:** If the file fails schema validation, a red error message displays indicating the issue. Errors must be corrected before the file can be re-uploaded.\n\n7.  After upload, open the Association Upload History page to review processing results.\n\n    **Note:** The system displays eac",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_association_upload.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_association_upload.md",
      "headings": [
        "Batch Uploading Associations Using XML {#surety_sc_associations_batchUpload .task}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_association_upload.html",
      "snippet": null
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    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_association_upload.md:chunk-1",
      "title": "Batch Uploading Associations Using XML {#surety_sc_associations_batchUpload .task}",
      "content": "the issue. Errors must be corrected before the file can be re-uploaded.\n\n7.  After upload, open the Association Upload History page to review processing results.\n\n    **Note:** The system displays each batch file and its processing status. Hyperlinks in the results table show counts of successfully created and rejected records.\n\n8.  Click the hyperlink for rejected records to review specific validation messages.\n\n    **CAUTION:**\n\n    Each error message corresponds to an association record within the XML file. Review these messages carefully to identify and correct the affected entries before resubmitting.\n\n9.  Correct any rejected records in your source system or XML file, then upload the revised file to NMLS.\n\n    **Important:** Second-level validations \\(Level 2\\) are performed after processing. If a record fails due to invalid data—such as a mismatched NAIC or NPN, invalid state code, or duplicate association—it will appear in the upload results with an error listed.\n\n**Tips for successful association uploads**\n\n-   Ensure NAIC IDs and NPNs correspond to active entities already registered in NMLS.\n-   Confirm that each state listed in the XML file is approved for both the surety company \\(or underwriting company\\) and the surety bond producer.\n-   Provide a unique bond limit value for every state and representative listed in the association.\n-   Retain the XML upload confirmation and results file for your company’s records.\n-   Use descriptive but concise filenames \\(under 50 characters\\) for upload tracking.\n\n**Tip:** After a successful upload, newly created association requests follow the same review and acceptance workflow as manually created requests and must still be accepted by the surety bond producer before becoming active.\n\n**Parent topic:**Managing Associations for Surety Companies",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_association_upload.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_association_upload.md",
      "headings": [
        "Batch Uploading Associations Using XML {#surety_sc_associations_batchUpload .task}"
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      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_association_upload.html",
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      "title": "Batch Uploading Associations Using XML {#surety_sc_associations_batchUpload .task}",
      "content": "tions for Surety Companies",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_association_upload.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_association_upload.md",
      "headings": [
        "Batch Uploading Associations Using XML {#surety_sc_associations_batchUpload .task}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_association_upload.html",
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    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_associations_errorHandling.md:chunk-0",
      "title": "Handling Errors with Associations {#surety_associations_errors_shared .concept}",
      "content": "# Handling Errors with Associations \n\nDuring association creation, revision, or XML batch upload, validation or processing errors may occur. This topic lists common error messages, explains why they appear, and describes how surety companies and surety bond producers can resolve them.\n\nBoth surety companies and surety bond producers can encounter errors during association processing in NMLS. Surety companies typically see these messages after uploading or submitting associations, while producers see them when reviewing or responding to association requests. These errors are often validation-related—arising from missing, mismatched, or unauthorized data.\n\n**Tip:** Always review the **Association Upload History** or **Current Associations** page to identify rejected or invalid records. The error description helps pinpoint which field or value caused the failure.\n\n**Common association errors**\n\n|Error message or condition|Applies to|Reason|Resolution|\n|--------------------------|----------|------|----------|\n|Invalid or missing NAIC ID/NPN|Surety Company and Bond Producer|The uploaded XML or manual request references an entity identifier not registered in NMLS or containing invalid characters.|Confirm the NAIC or NPN values against NMLS records. Correct the identifier in your source system or XML file and resubmit.|\n|Duplicate Association Record|Surety Company|An association already exists between the same surety company \\(or underwriting company\\) and producer for the same states.|Check Current Associations for an active record. Remove duplicates or revise the existing association rather than creating a new one.|\n|Unauthorized or inactive state|Surety Company|The XML upload or manual request includes a state in which either the surety company or the bond producer is not authorized to issue bonds.|Review each state’s authorization in NMLS. Remove unauthorized states or update state authorizations before re-uploading.|\n|Invalid Representative ID|Surety Company|A represe",
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      "headings": [
        "Handling Errors with Associations {#surety_associations_errors_shared .concept}"
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      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_associations_errorHandling.md:chunk-1",
      "title": "Handling Errors with Associations {#surety_associations_errors_shared .concept}",
      "content": "uthorized to issue bonds.|Review each state’s authorization in NMLS. Remove unauthorized states or update state authorizations before re-uploading.|\n|Invalid Representative ID|Surety Company|A representative listed in the upload file is not an active user under the associated producer’s organization or lacks valid authorization.|Confirm that each representative exists in the producer’s profile and holds an active role. Update the record or remove invalid representatives.|\n|Schema validation failed \\(XML\\)|Surety Company|The XML file does not conform to the *Surety Company Association Upload Specification*—for example, missing required tags or improper hierarchy.|Validate the XML against the published schema before upload. Correct any format issues such as missing closing tags or incorrect nesting.|\n|Rejected association request|Surety Company and Bond Producer|The receiving party rejected the request because information was incomplete or inaccurate.|Review rejection notes provided in NMLS. Edit and resubmit the corrected request or contact the other entity for clarification.|\n|Returned for correction|Surety Company and Bond Producer|The request was reviewed but requires updates \\(for example, incorrect bond limits, missing representative, or mismatched authority\\).|Open the record from Tasks > Company Associations, select **Manage**, make corrections, and resubmit the association.|\n|Timeout or system validation failure|Surety Company|The NMLS system failed to process the upload due to timeout or connection issues.|Check your internet connection and resubmit the XML file. If the problem persists, contact the NMLS Call Center at **1-855-NMLS-123 \\(1-855-665-7123\\)**.|\n\n**Viewing and resolving upload errors**\n\nWhen uploading associations in XML format, surety companies can review error results through the Association Upload History page. Each batch lists:\n\n-   **File name** — the XML file submitted.\n-   **Uploaded by** — the user who performed the upload.\n-   **Status*",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_associations_errorHandling.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_associations_errorHandling.md",
      "headings": [
        "Handling Errors with Associations {#surety_associations_errors_shared .concept}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_associations_errorHandling.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_associations_errorHandling.md:chunk-2",
      "title": "Handling Errors with Associations {#surety_associations_errors_shared .concept}",
      "content": " review error results through the Association Upload History page. Each batch lists:\n\n-   **File name** — the XML file submitted.\n-   **Uploaded by** — the user who performed the upload.\n-   **Status** — processing state \\(*Completed*, *Processing*, *Rejected*\\).\n-   **Successful records** — associations created successfully.\n-   **Rejected records** — associations that failed validation, with details and line numbers.\n\n**Note:** Click the rejected record count hyperlink to view the specific validation error beside each record in XML format. This enables quick identification of errors to correct and re-upload.\n\n**Tips for avoiding association errors**\n\n-   Validate XML files against the upload schema before submission.\n-   Confirm NAIC and NPN identifiers for both entities are current in NMLS.\n-   Review active state authorizations and ensure they overlap for both entities.\n-   Verify representative details and limits before associating them to a surety bond producer.\n-   Retain upload confirmation and error logs for compliance and internal tracking.\n\n**Tip:** If an association error cannot be resolved through correction and resubmission, contact the NMLS Call Center for assistance, referencing the file name and batch upload ID.\n\n**Parent topic:**Managing Associations for Surety Bond Producers",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_associations_errorHandling.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_associations_errorHandling.md",
      "headings": [
        "Handling Errors with Associations {#surety_associations_errors_shared .concept}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_associations_errorHandling.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_associations_errorHandling_2.md:chunk-0",
      "title": "Handling Errors with Associations {#surety_associations_errors_shared .concept}",
      "content": "# Handling Errors with Associations \n\nDuring association creation, revision, or XML batch upload, validation or processing errors may occur. This topic lists common error messages, explains why they appear, and describes how surety companies and surety bond producers can resolve them.\n\nBoth surety companies and surety bond producers can encounter errors during association processing in NMLS. Surety companies typically see these messages after uploading or submitting associations, while producers see them when reviewing or responding to association requests. These errors are often validation-related—arising from missing, mismatched, or unauthorized data.\n\n**Tip:** Always review the **Association Upload History** or **Current Associations** page to identify rejected or invalid records. The error description helps pinpoint which field or value caused the failure.\n\n**Common association errors**\n\n|Error message or condition|Applies to|Reason|Resolution|\n|--------------------------|----------|------|----------|\n|Invalid or missing NAIC ID/NPN|Surety Company and Bond Producer|The uploaded XML or manual request references an entity identifier not registered in NMLS or containing invalid characters.|Confirm the NAIC or NPN values against NMLS records. Correct the identifier in your source system or XML file and resubmit.|\n|Duplicate Association Record|Surety Company|An association already exists between the same surety company \\(or underwriting company\\) and producer for the same states.|Check Current Associations for an active record. Remove duplicates or revise the existing association rather than creating a new one.|\n|Unauthorized or inactive state|Surety Company|The XML upload or manual request includes a state in which either the surety company or the bond producer is not authorized to issue bonds.|Review each state’s authorization in NMLS. Remove unauthorized states or update state authorizations before re-uploading.|\n|Invalid Representative ID|Surety Company|A represe",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_associations_errorHandling_2.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_associations_errorHandling_2.md",
      "headings": [
        "Handling Errors with Associations {#surety_associations_errors_shared .concept}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_associations_errorHandling_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_associations_errorHandling_2.md:chunk-1",
      "title": "Handling Errors with Associations {#surety_associations_errors_shared .concept}",
      "content": "uthorized to issue bonds.|Review each state’s authorization in NMLS. Remove unauthorized states or update state authorizations before re-uploading.|\n|Invalid Representative ID|Surety Company|A representative listed in the upload file is not an active user under the associated producer’s organization or lacks valid authorization.|Confirm that each representative exists in the producer’s profile and holds an active role. Update the record or remove invalid representatives.|\n|Schema validation failed \\(XML\\)|Surety Company|The XML file does not conform to the *Surety Company Association Upload Specification*—for example, missing required tags or improper hierarchy.|Validate the XML against the published schema before upload. Correct any format issues such as missing closing tags or incorrect nesting.|\n|Rejected association request|Surety Company and Bond Producer|The receiving party rejected the request because information was incomplete or inaccurate.|Review rejection notes provided in NMLS. Edit and resubmit the corrected request or contact the other entity for clarification.|\n|Returned for correction|Surety Company and Bond Producer|The request was reviewed but requires updates \\(for example, incorrect bond limits, missing representative, or mismatched authority\\).|Open the record from Tasks > Company Associations, select **Manage**, make corrections, and resubmit the association.|\n|Timeout or system validation failure|Surety Company|The NMLS system failed to process the upload due to timeout or connection issues.|Check your internet connection and resubmit the XML file. If the problem persists, contact the NMLS Call Center at **1-855-NMLS-123 \\(1-855-665-7123\\)**.|\n\n**Viewing and resolving upload errors**\n\nWhen uploading associations in XML format, surety companies can review error results through the Association Upload History page. Each batch lists:\n\n-   **File name** — the XML file submitted.\n-   **Uploaded by** — the user who performed the upload.\n-   **Status*",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_associations_errorHandling_2.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_associations_errorHandling_2.md",
      "headings": [
        "Handling Errors with Associations {#surety_associations_errors_shared .concept}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_associations_errorHandling_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_associations_errorHandling_2.md:chunk-2",
      "title": "Handling Errors with Associations {#surety_associations_errors_shared .concept}",
      "content": " review error results through the Association Upload History page. Each batch lists:\n\n-   **File name** — the XML file submitted.\n-   **Uploaded by** — the user who performed the upload.\n-   **Status** — processing state \\(*Completed*, *Processing*, *Rejected*\\).\n-   **Successful records** — associations created successfully.\n-   **Rejected records** — associations that failed validation, with details and line numbers.\n\n**Note:** Click the rejected record count hyperlink to view the specific validation error beside each record in XML format. This enables quick identification of errors to correct and re-upload.\n\n**Tips for avoiding association errors**\n\n-   Validate XML files against the upload schema before submission.\n-   Confirm NAIC and NPN identifiers for both entities are current in NMLS.\n-   Review active state authorizations and ensure they overlap for both entities.\n-   Verify representative details and limits before associating them to a surety bond producer.\n-   Retain upload confirmation and error logs for compliance and internal tracking.\n\n**Tip:** If an association error cannot be resolved through correction and resubmission, contact the NMLS Call Center for assistance, referencing the file name and batch upload ID.\n\n**Parent topic:**Managing Associations for Surety Companies",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_associations_errorHandling_2.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_associations_errorHandling_2.md",
      "headings": [
        "Handling Errors with Associations {#surety_associations_errors_shared .concept}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_associations_errorHandling_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_associations_removeOrRevise.md:chunk-0",
      "title": "Removing or Revising Associations {#surety_associations_removeRevise_shared .task}",
      "content": "# Removing or Revising Associations \n\nSurety companies and surety bond producers can revise or remove existing associations in NMLS when business relationships, execution authority, or authorized states and representatives change.\n\nAn **association** links a surety company and a surety bond producer, enabling bond creation and execution within NMLS. When changes occur to business relationships, authorized states, bond limits, or representatives, either entity can request a revision or removal of the association. The request is processed through mutual review and acceptance within NMLS.\n\n**Tip:** While terminology and navigation options differ slightly between surety companies and producers, the actions described here apply to both entities unless otherwise noted.\n\n1.  Sign in to NMLS and open the Tasks tab.\n\n2.  Select **Company Associations** from the submenu, then open the Current Associations view.\n\n    This page lists all active associations available to your organization.\n\n3.  Locate the association you want to change and select **Manage**.\n\n    You can view current state authorizations, bond limits, and representative assignments before making changes.\n\n4.  To revise an association, select **Request Correction** or **Update** \\(if available\\).\n\n    1.  Describe the reason for the revision in the provided comment field.\n\n    2.  Adjust applicable data:\n\n        **Note:**\n\n        -   **Execution authority:** Indicate if it should be changed.\n        -   **States:** Add, remove, or revise bond limits for specific states.\n        -   **Representatives:** Add, remove, or revise bond limits for representatives associated with this relationship.\n    3.  Select **Submit Update** to send the correction request to the other entity for review.\n\n    **Important:** Revisions cannot be submitted while an association is pending initial approval. The request must first be accepted or rejected before updates are possible.\n\n5.  To remove an association, select **Remove** in th",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_associations_removeOrRevise.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_associations_removeOrRevise.md",
      "headings": [
        "Removing or Revising Associations {#surety_associations_removeRevise_shared .task}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_associations_removeOrRevise.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_associations_removeOrRevise.md:chunk-1",
      "title": "Removing or Revising Associations {#surety_associations_removeRevise_shared .task}",
      "content": "cannot be submitted while an association is pending initial approval. The request must first be accepted or rejected before updates are possible.\n\n5.  To remove an association, select **Remove** in the Manage Association page.\n\n    1.  Enter a required explanation or note describing the reason for removal.\n\n    2.  Select **Remove Association** to confirm.\n\n    **Note:** Once removed, the association status changes to *Inactive*. The associated entity can no longer issue or manage bonds on behalf of the other party in affected states.\n\n6.  Monitor association status updates.\n\n    **Note:** Both entities receive notifications when revisions or removals are completed or if corrections are requested. Updated association records appear in the Current Associations or Inactive Associations list depending on status.\n\n-   Regularly review bond limits and representative lists to ensure all data reflects current authorization levels.\n-   Remove associations promptly when business relationships end or when producers no longer act under your authority.\n-   For surety companies, verify that state authorizations remain current and consistent with regulatory approvals before updating associations.\n\n**Note:** The association revision and removal workflow is the same for surety companies and surety bond producers; each action requires acknowledgment and confirmation by the other party before becoming final.\n\n**Parent topic:**Managing Associations for Surety Bond Producers",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_associations_removeOrRevise.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_associations_removeOrRevise.md",
      "headings": [
        "Removing or Revising Associations {#surety_associations_removeRevise_shared .task}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_associations_removeOrRevise.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_associations_removeOrRevise_2.md:chunk-0",
      "title": "Removing or Revising Associations {#surety_associations_removeRevise_shared .task}",
      "content": "# Removing or Revising Associations \n\nSurety companies and surety bond producers can revise or remove existing associations in NMLS when business relationships, execution authority, or authorized states and representatives change.\n\nAn **association** links a surety company and a surety bond producer, enabling bond creation and execution within NMLS. When changes occur to business relationships, authorized states, bond limits, or representatives, either entity can request a revision or removal of the association. The request is processed through mutual review and acceptance within NMLS.\n\n**Tip:** While terminology and navigation options differ slightly between surety companies and producers, the actions described here apply to both entities unless otherwise noted.\n\n1.  Sign in to NMLS and open the Tasks tab.\n\n2.  Select **Company Associations** from the submenu, then open the Current Associations view.\n\n    This page lists all active associations available to your organization.\n\n3.  Locate the association you want to change and select **Manage**.\n\n    You can view current state authorizations, bond limits, and representative assignments before making changes.\n\n4.  To revise an association, select **Request Correction** or **Update** \\(if available\\).\n\n    1.  Describe the reason for the revision in the provided comment field.\n\n    2.  Adjust applicable data:\n\n        **Note:**\n\n        -   **Execution authority:** Indicate if it should be changed.\n        -   **States:** Add, remove, or revise bond limits for specific states.\n        -   **Representatives:** Add, remove, or revise bond limits for representatives associated with this relationship.\n    3.  Select **Submit Update** to send the correction request to the other entity for review.\n\n    **Important:** Revisions cannot be submitted while an association is pending initial approval. The request must first be accepted or rejected before updates are possible.\n\n5.  To remove an association, select **Remove** in th",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_associations_removeOrRevise_2.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_associations_removeOrRevise_2.md",
      "headings": [
        "Removing or Revising Associations {#surety_associations_removeRevise_shared .task}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_associations_removeOrRevise_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_associations_removeOrRevise_2.md:chunk-1",
      "title": "Removing or Revising Associations {#surety_associations_removeRevise_shared .task}",
      "content": "cannot be submitted while an association is pending initial approval. The request must first be accepted or rejected before updates are possible.\n\n5.  To remove an association, select **Remove** in the Manage Association page.\n\n    1.  Enter a required explanation or note describing the reason for removal.\n\n    2.  Select **Remove Association** to confirm.\n\n    **Note:** Once removed, the association status changes to *Inactive*. The associated entity can no longer issue or manage bonds on behalf of the other party in affected states.\n\n6.  Monitor association status updates.\n\n    **Note:** Both entities receive notifications when revisions or removals are completed or if corrections are requested. Updated association records appear in the Current Associations or Inactive Associations list depending on status.\n\n-   Regularly review bond limits and representative lists to ensure all data reflects current authorization levels.\n-   Remove associations promptly when business relationships end or when producers no longer act under your authority.\n-   For surety companies, verify that state authorizations remain current and consistent with regulatory approvals before updating associations.\n\n**Note:** The association revision and removal workflow is the same for surety companies and surety bond producers; each action requires acknowledgment and confirmation by the other party before becoming final.\n\n**Parent topic:**Managing Associations for Surety Companies",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_associations_removeOrRevise_2.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_associations_removeOrRevise_2.md",
      "headings": [
        "Removing or Revising Associations {#surety_associations_removeRevise_shared .task}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_associations_removeOrRevise_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_bondCreationAndExecution.md:chunk-0",
      "title": "Bond Creation and Execution for Surety Companies {#surety_sc_bondCreationExecution .concept}",
      "content": "# Bond Creation and Execution for Surety Companies \n\nSurety companies create and execute Electronic Surety Bonds \\(ESBs\\) in NMLS to satisfy regulator bonding requirements for licensees. This topic provides an overview of the bond creation and execution process from the surety company perspective.\n\nIn NMLS, surety companies are responsible for creating new Electronic Surety Bonds \\(ESBs\\) when a licensee requires coverage to meet state regulatory requirements. Bond creation and execution represent the first stages in the ESB lifecycle and define the electronic record that links the licensee, surety bond producer, and regulator.\n\n**Overview of bond creation**\n\nA surety company user with the appropriate role permissions can initiate a new bond from the Tasks tab. During bond creation, the company identifies the licensee, selects the appropriate underwriting company, and establishes key details such as the bond amount, effective date, and state authorization. After saving the bond, it appears as a draft that can be edited or assigned to a representative for execution.\n\n**Bond execution**\n\nOnce bond information is complete, the surety company executes the bond by electronically signing it in NMLS. The execution step represents the company’s formal authorization that the bond has been underwritten and issued to the licensee under the company’s authority. Only users with the **Manage and Sign Bonds** role and active representative designation can execute ESBs on behalf of the company.\n\n**Note:** Each ESB is associated with a unique bond number and remains in “Pending Execution” status until all required signatures are completed.\n\n**Collaboration with the surety bond producer**\n\nThe surety company and surety bond producer work jointly to complete the bond. A bond producer may prepare a draft bond that the company reviews and executes, or the company may create the bond directly in NMLS if it manages the producer’s data entry internally. In either case, both entities must h",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_bondCreationAndExecution.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_bondCreationAndExecution.md",
      "headings": [
        "Bond Creation and Execution for Surety Companies {#surety_sc_bondCreationExecution .concept}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_bondCreationAndExecution.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_bondCreationAndExecution.md:chunk-1",
      "title": "Bond Creation and Execution for Surety Companies {#surety_sc_bondCreationExecution .concept}",
      "content": "prepare a draft bond that the company reviews and executes, or the company may create the bond directly in NMLS if it manages the producer’s data entry internally. In either case, both entities must have an active association in NMLS before a bond can be created or executed.\n\n**Delivery to the regulator**\n\nAfter execution, the ESB is automatically transmitted to the regulator for review and acceptance. The regulator’s acknowledgment or return determines the next step in the bond lifecycle. Returned bonds can be corrected and resubmitted directly from NMLS without requiring a new record.\n\n**Bond lifecycle summary**\n\nThe following stages represent the typical bond progression from creation through regulator acknowledgment:\n\n1.  Create new ESB record in NMLS\n2.  Complete bond details and assign representative\\(s\\)\n3.  Execute and electronically sign the bond\n4.  Deliver the bond to the regulator for review\n5.  Monitor regulator acknowledgment or returned status\n\n**Note:** Procedures for executing a bond, managing returned bonds, and delivering executed bonds to the regulator are described in the child topics under this section.\n\n**Roles and permissions involved in bond creation**\n\n-   **Account Administrator:** Can assign roles and create organization users who perform bond management tasks.\n-   **Manage Bonds:** Allows users to create and view bond drafts.\n-   **Manage and Sign Bonds:** Allows users to execute and sign bonds as a designated representative.\n-   **Manage Reports:** Allows users to track submitted bonds, pending actions, and regulator returns.\n\n**Note:** Ensure that each user performing bond execution is listed as a representative within the company’s active association record. Only authorized representatives can sign and submit ESBs.\n\n**Parent topic:**Bond Management for Surety Companies",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_bondCreationAndExecution.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_bondCreationAndExecution.md",
      "headings": [
        "Bond Creation and Execution for Surety Companies {#surety_sc_bondCreationExecution .concept}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_bondCreationAndExecution.html",
      "snippet": null
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    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_bondCreationAndExecution.md:chunk-2",
      "title": "Bond Creation and Execution for Surety Companies {#surety_sc_bondCreationExecution .concept}",
      "content": "Management for Surety Companies",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_bondCreationAndExecution.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_bondCreationAndExecution.md",
      "headings": [
        "Bond Creation and Execution for Surety Companies {#surety_sc_bondCreationExecution .concept}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_bondCreationAndExecution.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_bonds_cancelReturnVoid.md:chunk-0",
      "title": "Canceling, Returning, or Voiding an Electronic Surety Bond \\(ESB\\) {#esb_cancelReturnVoid_shared .task}",
      "content": "# Canceling, Returning, or Voiding an Electronic Surety Bond \\(ESB\\) \n\nSurety companies and surety bond producers can cancel, return, or void Electronic Surety Bonds \\(ESBs\\) in NMLS when a bond is no longer valid, requires correction, or must be withdrawn from regulatory consideration.\n\nBond cancellations and voids are common events in the Electronic Surety Bond \\(ESB\\) lifecycle. A cancellation terminates the bond’s active status and notifies the regulator that the licensee’s coverage will end on a specified date. A return occurs when a regulator or licensee requests changes or corrections before the bond becomes effective. A void permanently removes the bond record when it was created in error or superseded by another bond.\n\nBoth surety companies and surety bond producers can initiate cancellations or respond to regulator returns, depending on their assigned NMLS roles and the terms of the bond association. Regulators may also initiate returns to request corrections or clarifications.\n\n**Note:** Voids can only be performed by the surety company that executed the bond. Once voided, the bond cannot be reactivated and is permanently archived in NMLS.\n\n1.  Sign in to NMLS using an account with **Manage Bonds** or **Manage and Sign Bonds** permissions.\n\n2.  From the Tasks tab, select **Electronic Surety Bonds**, then choose **Managed Bonds**.\n\n3.  Search for the bond you want to cancel, return, or void by bond number or licensee name.\n\n    **Note:** Only bonds in *Active*, *Pending Execution*, or *Delivered to Regulator* status can be canceled or returned. Voiding is available only for bonds created in error that have not yet been accepted by the regulator.\n\n4.  Open the bond record and select the appropriate action:\n\n    1.  **Cancel Bond** — Ends coverage effective on a future date specified by the surety company or producer.\n\n    2.  **Return Bond** — Allows you to send the bond back for correction before it becomes active.\n\n    3.  **Void Bond** — Removes the bond",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_bonds_cancelReturnVoid.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_bonds_cancelReturnVoid.md",
      "headings": [
        "Canceling, Returning, or Voiding an Electronic Surety Bond \\(ESB\\) {#esb_cancelReturnVoid_shared .task}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_bonds_cancelReturnVoid.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_bonds_cancelReturnVoid.md:chunk-1",
      "title": "Canceling, Returning, or Voiding an Electronic Surety Bond \\(ESB\\) {#esb_cancelReturnVoid_shared .task}",
      "content": " future date specified by the surety company or producer.\n\n    2.  **Return Bond** — Allows you to send the bond back for correction before it becomes active.\n\n    3.  **Void Bond** — Removes the bond record when created in error or replaced by another bond.\n\n5.  Enter the required details for the selected action, such as effective date, reason for cancellation or return, and comments for the regulator.\n\n    **Note:** Comments entered in this field appear to the regulator and the associated licensee and should clearly describe the reason for the action.\n\n6.  Select **Submit** to finalize the action.\n\n    **Note:** Once submitted, the bond status immediately updates in NMLS. For cancellations, the bond remains visible until the effective date passes; for voids, the bond is immediately archived.\n\n**Tips for managing bond cancellations and returns**\n\n-   Use cancellation only when the licensee’s obligation is ending or transferring to another bond.\n-   Ensure effective dates are accurate and meet regulator-required notice periods.\n-   Provide clear, detailed comments for regulators to minimize follow-up requests.\n-   Do not use **Void** for regulator-directed returns or revisions. Those should be managed through the return process.\n-   Once a bond is canceled or voided, a new bond must be created to restore coverage for the licensee.\n\n**Note:** Returned bonds can be corrected and resubmitted in NMLS. Regulators review updated information and either accept or return the bond again for further clarification.\n\n**Parent topic:**Bond Management for Surety Bond Producers",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_bonds_cancelReturnVoid.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_bonds_cancelReturnVoid.md",
      "headings": [
        "Canceling, Returning, or Voiding an Electronic Surety Bond \\(ESB\\) {#esb_cancelReturnVoid_shared .task}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_bonds_cancelReturnVoid.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_bonds_cancelReturnVoid_2.md:chunk-0",
      "title": "Canceling, Returning, or Voiding an Electronic Surety Bond \\(ESB\\) {#esb_cancelReturnVoid_shared .task}",
      "content": "# Canceling, Returning, or Voiding an Electronic Surety Bond \\(ESB\\) \n\nSurety companies and surety bond producers can cancel, return, or void Electronic Surety Bonds \\(ESBs\\) in NMLS when a bond is no longer valid, requires correction, or must be withdrawn from regulatory consideration.\n\nBond cancellations and voids are common events in the Electronic Surety Bond \\(ESB\\) lifecycle. A cancellation terminates the bond’s active status and notifies the regulator that the licensee’s coverage will end on a specified date. A return occurs when a regulator or licensee requests changes or corrections before the bond becomes effective. A void permanently removes the bond record when it was created in error or superseded by another bond.\n\nBoth surety companies and surety bond producers can initiate cancellations or respond to regulator returns, depending on their assigned NMLS roles and the terms of the bond association. Regulators may also initiate returns to request corrections or clarifications.\n\n**Note:** Voids can only be performed by the surety company that executed the bond. Once voided, the bond cannot be reactivated and is permanently archived in NMLS.\n\n1.  Sign in to NMLS using an account with **Manage Bonds** or **Manage and Sign Bonds** permissions.\n\n2.  From the Tasks tab, select **Electronic Surety Bonds**, then choose **Managed Bonds**.\n\n3.  Search for the bond you want to cancel, return, or void by bond number or licensee name.\n\n    **Note:** Only bonds in *Active*, *Pending Execution*, or *Delivered to Regulator* status can be canceled or returned. Voiding is available only for bonds created in error that have not yet been accepted by the regulator.\n\n4.  Open the bond record and select the appropriate action:\n\n    1.  **Cancel Bond** — Ends coverage effective on a future date specified by the surety company or producer.\n\n    2.  **Return Bond** — Allows you to send the bond back for correction before it becomes active.\n\n    3.  **Void Bond** — Removes the bond",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_bonds_cancelReturnVoid_2.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_bonds_cancelReturnVoid_2.md",
      "headings": [
        "Canceling, Returning, or Voiding an Electronic Surety Bond \\(ESB\\) {#esb_cancelReturnVoid_shared .task}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_bonds_cancelReturnVoid_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_bonds_cancelReturnVoid_2.md:chunk-1",
      "title": "Canceling, Returning, or Voiding an Electronic Surety Bond \\(ESB\\) {#esb_cancelReturnVoid_shared .task}",
      "content": " future date specified by the surety company or producer.\n\n    2.  **Return Bond** — Allows you to send the bond back for correction before it becomes active.\n\n    3.  **Void Bond** — Removes the bond record when created in error or replaced by another bond.\n\n5.  Enter the required details for the selected action, such as effective date, reason for cancellation or return, and comments for the regulator.\n\n    **Note:** Comments entered in this field appear to the regulator and the associated licensee and should clearly describe the reason for the action.\n\n6.  Select **Submit** to finalize the action.\n\n    **Note:** Once submitted, the bond status immediately updates in NMLS. For cancellations, the bond remains visible until the effective date passes; for voids, the bond is immediately archived.\n\n**Tips for managing bond cancellations and returns**\n\n-   Use cancellation only when the licensee’s obligation is ending or transferring to another bond.\n-   Ensure effective dates are accurate and meet regulator-required notice periods.\n-   Provide clear, detailed comments for regulators to minimize follow-up requests.\n-   Do not use **Void** for regulator-directed returns or revisions. Those should be managed through the return process.\n-   Once a bond is canceled or voided, a new bond must be created to restore coverage for the licensee.\n\n**Note:** Returned bonds can be corrected and resubmitted in NMLS. Regulators review updated information and either accept or return the bond again for further clarification.\n\n**Parent topic:**Bond Management for Surety Companies",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_bonds_cancelReturnVoid_2.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_bonds_cancelReturnVoid_2.md",
      "headings": [
        "Canceling, Returning, or Voiding an Electronic Surety Bond \\(ESB\\) {#esb_cancelReturnVoid_shared .task}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_bonds_cancelReturnVoid_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_bonds_editingPending.md:chunk-0",
      "title": "Editing Pending Electronic Surety Bonds \\(ESBs\\) {#esb_editPendingBond .task}",
      "content": "# Editing Pending Electronic Surety Bonds \\(ESBs\\) \n\nDescribes how a Surety Company or Surety Bond Producer can edit a bond in a pending or returned status before resubmitting it for execution in NMLS.\n\nPending and returned bonds can be edited by authorized Surety users to correct details identified by a regulator or internal review. This includes bonds in Returned to Surety status or those not yet delivered to a regulator.\n\nAfter corrections are saved, the bond must be re-signed and resubmitted following the standard execution process.\n\n1.  Log in to NMLS.\n\n2.  From the Home screen, click the **Tasks** tab.\n\n3.  Within the **Tasks** tab, click **Surety Bond Management** either in the top menu bar or in the main description panel.\n\n4.  Click **Manage Bonds**.\n\n5.  Use the filtering options to locate the bond that is pending or returned. Click the **Manage** button next to it.\n\n6.  Click the **Edit** button at the bottom of the page.\n\n    The **Edit** option is available only for bonds in Returned to Surety or other editable statuses.\n\n7.  Correct the bond details as needed, then click **Save & Proceed**.\n\n8.  Select the attestation checkbox, then click **Sign** to submit the corrected bond to the licensee for review and signature.\n\nOnce the licensee signs the recreated bond and completes the **Mark Ready** process, the bond is redelivered to the regulator.\n\n**Note:** All previous riders associated with a returned bond are voided automatically. If applicable, recreate riders after resubmission.\n\n**Parent topic:**Bond Management for Surety Bond Producers",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_bonds_editingPending.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_bonds_editingPending.md",
      "headings": [
        "Editing Pending Electronic Surety Bonds \\(ESBs\\) {#esb_editPendingBond .task}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_bonds_editingPending.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_bonds_editingPending_2.md:chunk-0",
      "title": "Editing Pending Electronic Surety Bonds \\(ESBs\\) {#esb_editPendingBond .task}",
      "content": "# Editing Pending Electronic Surety Bonds \\(ESBs\\) \n\nDescribes how a Surety Company or Surety Bond Producer can edit a bond in a pending or returned status before resubmitting it for execution in NMLS.\n\nPending and returned bonds can be edited by authorized Surety users to correct details identified by a regulator or internal review. This includes bonds in Returned to Surety status or those not yet delivered to a regulator.\n\nAfter corrections are saved, the bond must be re-signed and resubmitted following the standard execution process.\n\n1.  Log in to NMLS.\n\n2.  From the Home screen, click the **Tasks** tab.\n\n3.  Within the **Tasks** tab, click **Surety Bond Management** either in the top menu bar or in the main description panel.\n\n4.  Click **Manage Bonds**.\n\n5.  Use the filtering options to locate the bond that is pending or returned. Click the **Manage** button next to it.\n\n6.  Click the **Edit** button at the bottom of the page.\n\n    The **Edit** option is available only for bonds in Returned to Surety or other editable statuses.\n\n7.  Correct the bond details as needed, then click **Save & Proceed**.\n\n8.  Select the attestation checkbox, then click **Sign** to submit the corrected bond to the licensee for review and signature.\n\nOnce the licensee signs the recreated bond and completes the **Mark Ready** process, the bond is redelivered to the regulator.\n\n**Note:** All previous riders associated with a returned bond are voided automatically. If applicable, recreate riders after resubmission.\n\n**Parent topic:**Bond Management for Surety Companies",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_bonds_editingPending_2.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_bonds_editingPending_2.md",
      "headings": [
        "Editing Pending Electronic Surety Bonds \\(ESBs\\) {#esb_editPendingBond .task}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_bonds_editingPending_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_bonds_numberReuse.md:chunk-0",
      "title": "Reusing Electronic Surety Bond \\(ESB\\) Numbers in NMLS {#esb_reuseBondNumbers .concept}",
      "content": "# Reusing Electronic Surety Bond \\(ESB\\) Numbers in NMLS \n\nExplains when and how a previously used bond number can be reused in NMLS after a returned bond has been voided.\n\nWhen a bond is returned by a regulator and later voided by the surety company, NMLS releases the associated bond number for reuse. This process prevents duplicate numbering conflicts and allows the surety to issue a corrected bond using the same bond number.\n\nThe ability to reuse a bond number is limited to the organization that voided the returned bond. Surety Companies can void a returned bond and reuse its bond number. Surety Bond Producers cannot perform this action, but they can view the voided bond within their Manage Bonds list.\n\n**Note:** After a bond is voided, its record remains available in NMLS with a Voided status for reference and reporting purposes. Both Surety Companies and Surety Bond Producers can view voided bond records but only the Surety Company can reuse the number on a new bond.\n\n**Parent topic:**Bond Management for Surety Bond Producers",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_bonds_numberReuse.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_bonds_numberReuse.md",
      "headings": [
        "Reusing Electronic Surety Bond \\(ESB\\) Numbers in NMLS {#esb_reuseBondNumbers .concept}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_bonds_numberReuse.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_bonds_numberReuse_2.md:chunk-0",
      "title": "Reusing Electronic Surety Bond \\(ESB\\) Numbers in NMLS {#esb_reuseBondNumbers .concept}",
      "content": "# Reusing Electronic Surety Bond \\(ESB\\) Numbers in NMLS \n\nExplains when and how a previously used bond number can be reused in NMLS after a returned bond has been voided.\n\nWhen a bond is returned by a regulator and later voided by the surety company, NMLS releases the associated bond number for reuse. This process prevents duplicate numbering conflicts and allows the surety to issue a corrected bond using the same bond number.\n\nThe ability to reuse a bond number is limited to the organization that voided the returned bond. Surety Companies can void a returned bond and reuse its bond number. Surety Bond Producers cannot perform this action, but they can view the voided bond within their Manage Bonds list.\n\n**Note:** After a bond is voided, its record remains available in NMLS with a Voided status for reference and reporting purposes. Both Surety Companies and Surety Bond Producers can view voided bond records but only the Surety Company can reuse the number on a new bond.\n\n**Parent topic:**Bond Management for Surety Companies",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_bonds_numberReuse_2.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_bonds_numberReuse_2.md",
      "headings": [
        "Reusing Electronic Surety Bond \\(ESB\\) Numbers in NMLS {#esb_reuseBondNumbers .concept}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_bonds_numberReuse_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_bonds_regulatorReturns.md:chunk-0",
      "title": "Handling Regulator Returns for Electronic Surety Bonds \\(ESBs\\) {#esb_handlingRegulatorReturns .task}",
      "content": "# Handling Regulator Returns for Electronic Surety Bonds \\(ESBs\\) \n\nExplains how Surety Companies and Surety Bond Producers review, correct, and resubmit a bond that a regulator has returned to surety in NMLS.\n\nRegulators can return a bond to the surety when information on the bond or its riders is incomplete or incorrect. Returned bonds appear in NMLS with a Returned to Surety status and include a regulator note describing the reason for return. Surety users can amend and resubmit the bond or, if necessary, void the bond and create a replacement.\n\n**Note:** All riders associated with a returned bond are automatically voided by the system. Delivered riders are captured in the returned bond snapshot; pending riders are not.\n\n1.  Log in to NMLS.\n\n2.  From the Home screen, click the **Tasks** tab.\n\n3.  Within the **Tasks** tab, click **Surety Bond Management** either in the top menu bar or in the main description panel.\n\n4.  Click **Manage Bonds**.\n\n5.  Use the filtering options to locate bonds with a **Returned to Surety** status. Click the **Manage** button next to the applicable bond.\n\n    The regulator’s note and the return reason appear on the Manage Bond page.\n\n6.  To view the returned bond details, click **View Bond Status Transactions** and then **View Detail** in the Returned to Surety by Regulator row.\n\n7.  Click **Edit** at the bottom of the page to amend the bond. Make the required corrections, then click **Save & Proceed**.\n\n8.  Select the attestation checkbox, then click **Sign** to send the corrected bond to the licensee for review and signature.\n\n9.  If the bond must be voided instead of amended, click **Void Bond**, enter a brief note, and complete the attestation.\n\n    Only Surety Company users can void a returned bond. The bond number becomes available for reuse after voiding.\n\nAfter the licensee signs the recreated bond and completes the **Mark Ready** process, NMLS redelivers the bond to the regulator for review.\n\n**Note:** Returned, amended, and v",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_bonds_regulatorReturns.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_bonds_regulatorReturns.md",
      "headings": [
        "Handling Regulator Returns for Electronic Surety Bonds \\(ESBs\\) {#esb_handlingRegulatorReturns .task}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_bonds_regulatorReturns.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_bonds_regulatorReturns.md:chunk-1",
      "title": "Handling Regulator Returns for Electronic Surety Bonds \\(ESBs\\) {#esb_handlingRegulatorReturns .task}",
      "content": "or reuse after voiding.\n\nAfter the licensee signs the recreated bond and completes the **Mark Ready** process, NMLS redelivers the bond to the regulator for review.\n\n**Note:** Returned, amended, and voided bonds appear in the Surety Bond Transaction Report for tracking and audit purposes.\n\n**Parent topic:**Bond Management for Surety Bond Producers",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_bonds_regulatorReturns.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_bonds_regulatorReturns.md",
      "headings": [
        "Handling Regulator Returns for Electronic Surety Bonds \\(ESBs\\) {#esb_handlingRegulatorReturns .task}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_bonds_regulatorReturns.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_bonds_regulatorReturns_2.md:chunk-0",
      "title": "Handling Regulator Returns for Electronic Surety Bonds \\(ESBs\\) {#esb_handlingRegulatorReturns .task}",
      "content": "# Handling Regulator Returns for Electronic Surety Bonds \\(ESBs\\) \n\nExplains how Surety Companies and Surety Bond Producers review, correct, and resubmit a bond that a regulator has returned to surety in NMLS.\n\nRegulators can return a bond to the surety when information on the bond or its riders is incomplete or incorrect. Returned bonds appear in NMLS with a Returned to Surety status and include a regulator note describing the reason for return. Surety users can amend and resubmit the bond or, if necessary, void the bond and create a replacement.\n\n**Note:** All riders associated with a returned bond are automatically voided by the system. Delivered riders are captured in the returned bond snapshot; pending riders are not.\n\n1.  Log in to NMLS.\n\n2.  From the Home screen, click the **Tasks** tab.\n\n3.  Within the **Tasks** tab, click **Surety Bond Management** either in the top menu bar or in the main description panel.\n\n4.  Click **Manage Bonds**.\n\n5.  Use the filtering options to locate bonds with a **Returned to Surety** status. Click the **Manage** button next to the applicable bond.\n\n    The regulator’s note and the return reason appear on the Manage Bond page.\n\n6.  To view the returned bond details, click **View Bond Status Transactions** and then **View Detail** in the Returned to Surety by Regulator row.\n\n7.  Click **Edit** at the bottom of the page to amend the bond. Make the required corrections, then click **Save & Proceed**.\n\n8.  Select the attestation checkbox, then click **Sign** to send the corrected bond to the licensee for review and signature.\n\n9.  If the bond must be voided instead of amended, click **Void Bond**, enter a brief note, and complete the attestation.\n\n    Only Surety Company users can void a returned bond. The bond number becomes available for reuse after voiding.\n\nAfter the licensee signs the recreated bond and completes the **Mark Ready** process, NMLS redelivers the bond to the regulator for review.\n\n**Note:** Returned, amended, and v",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_bonds_regulatorReturns_2.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_bonds_regulatorReturns_2.md",
      "headings": [
        "Handling Regulator Returns for Electronic Surety Bonds \\(ESBs\\) {#esb_handlingRegulatorReturns .task}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_bonds_regulatorReturns_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_bonds_regulatorReturns_2.md:chunk-1",
      "title": "Handling Regulator Returns for Electronic Surety Bonds \\(ESBs\\) {#esb_handlingRegulatorReturns .task}",
      "content": "or reuse after voiding.\n\nAfter the licensee signs the recreated bond and completes the **Mark Ready** process, NMLS redelivers the bond to the regulator for review.\n\n**Note:** Returned, amended, and voided bonds appear in the Surety Bond Transaction Report for tracking and audit purposes.\n\n**Parent topic:**Bond Management for Surety Companies",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_bonds_regulatorReturns_2.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_bonds_regulatorReturns_2.md",
      "headings": [
        "Handling Regulator Returns for Electronic Surety Bonds \\(ESBs\\) {#esb_handlingRegulatorReturns .task}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_bonds_regulatorReturns_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_bonds_renewalsAndUpdates.md:chunk-0",
      "title": "Attesting to Surety Entity Information During the Annual Renewals Period {#esb_suretyRenewalAttestation .task}",
      "content": "# Attesting to Surety Entity Information During the Annual Renewals Period \n\nExplains how a Surety Company or other surety entity completes the annual NMLS attestation confirming that its organization information is accurate during the renewals period from November 1 through December 31.\n\nEach year during the renewals period, surety entities must review their information in NMLS and attest that it is correct. This attestation confirms that the organization profile, contact details, and any linked surety relationships remain accurate before the new year.\n\n**Note:** The annual renewals attestation window runs from **November 1 through December 31**. The attestation must be submitted by an authorized surety representative.\n\n1.  Log in to NMLS.\n\n2.  On the Home screen, click the **Attestation** link.\n\n3.  In the Attestation page, type your job title in the **Attestor Title** box.\n\n4.  Select the checkbox agreeing to the attestation statement.\n\n5.  Click **Attest** to complete the submission.\n\nA confirmation message appears indicating that the attestation has been successfully submitted. The surety entity’s attestation status updates automatically for the current renewals period.\n\n**Parent topic:**Bond Management for Surety Bond Producers",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_bonds_renewalsAndUpdates.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_bonds_renewalsAndUpdates.md",
      "headings": [
        "Attesting to Surety Entity Information During the Annual Renewals Period {#esb_suretyRenewalAttestation .task}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_bonds_renewalsAndUpdates.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_bonds_renewalsAndUpdates_2.md:chunk-0",
      "title": "Attesting to Surety Entity Information During the Annual Renewals Period {#esb_suretyRenewalAttestation .task}",
      "content": "# Attesting to Surety Entity Information During the Annual Renewals Period \n\nExplains how a Surety Company or other surety entity completes the annual NMLS attestation confirming that its organization information is accurate during the renewals period from November 1 through December 31.\n\nEach year during the renewals period, surety entities must review their information in NMLS and attest that it is correct. This attestation confirms that the organization profile, contact details, and any linked surety relationships remain accurate before the new year.\n\n**Note:** The annual renewals attestation window runs from **November 1 through December 31**. The attestation must be submitted by an authorized surety representative.\n\n1.  Log in to NMLS.\n\n2.  On the Home screen, click the **Attestation** link.\n\n3.  In the Attestation page, type your job title in the **Attestor Title** box.\n\n4.  Select the checkbox agreeing to the attestation statement.\n\n5.  Click **Attest** to complete the submission.\n\nA confirmation message appears indicating that the attestation has been successfully submitted. The surety entity’s attestation status updates automatically for the current renewals period.\n\n**Parent topic:**Bond Management for Surety Companies",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_bonds_renewalsAndUpdates_2.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_bonds_renewalsAndUpdates_2.md",
      "headings": [
        "Attesting to Surety Entity Information During the Annual Renewals Period {#esb_suretyRenewalAttestation .task}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_bonds_renewalsAndUpdates_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_bonds_specialCases.md:chunk-0",
      "title": "Special Cases for Electronic Surety Bonds \\(ESBs\\) in NMLS {#esb_specialCases .concept}",
      "content": "# Special Cases for Electronic Surety Bonds \\(ESBs\\) in NMLS \n\nOverview of exceptions to the standard ESB workflow in NMLS, including returned bonds, bond form version upgrades, and Revised Form Bond requirements. Applies to both Surety Companies and Surety Bond Producers.\n\nThis topic explains how NMLS handles situations that are not part of routine bond creation and maintenance. These special cases are initiated by regulators or by system rules that require additional actions before a bond can proceed.\n\n## Returned to Surety by Regulator \n\nA regulator can return a bond to the surety with a stated reason. The returned bond is captured as a snapshot with a “Returned to Surety” watermark. Common return reasons include, but are not limited to:\n\n-   Incorrect license type or licensee name\n-   Incorrect bond amount, bond number, or effective date\n-   Incorrect signatory\n-   Incorrectly listed underwriting surety company\n-   Incorrect converted bond information or indicator\n-   Duplicate or unnecessary bond\n\nAfter a return, the surety can amend and resubmit the bond through the normal signing process or void the bond. If a returned bond is voided, the bond number can be reused.\n\n## Riders on Returned Bonds \n\nAll riders associated with a returned bond are automatically voided by the system. Delivered riders appear in the returned snapshot. Pending riders do not. Changes from prior riders can be incorporated into the resubmitted bond or recreated through new riders after resubmission.\n\n## Bond Form Version Upgrades \n\nWhen a regulator requires an updated bond form version, undelivered bonds must be upgraded to the latest version before delivery. NMLS displays an upgrade message on the bond’s manage page and provides a guided action to complete the upgrade, after which the bond must be re-signed and proceed through the standard execution steps.\n\n**Note:** Regulators can also require delivered bonds to be revised to a new form version. If required, surety entities are notified",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_bonds_specialCases.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_bonds_specialCases.md",
      "headings": [
        "Special Cases for Electronic Surety Bonds \\(ESBs\\) in NMLS {#esb_specialCases .concept}",
        "Returned to Surety by Regulator {#returned_to_surety .section}",
        "Riders on Returned Bonds {#rider_behavior_on_return .section}",
        "Bond Form Version Upgrades {#bond_form_versioning .section}",
        "Revised Form Bond Requirement {#revised_form_bond .section}",
        "Notifications and Reporting {#notifications_reporting .section}",
        "Scope and Roles {#roles_scope .section}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_bonds_specialCases.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_bonds_specialCases.md:chunk-1",
      "title": "Special Cases for Electronic Surety Bonds \\(ESBs\\) in NMLS {#esb_specialCases .concept}",
      "content": "ust be re-signed and proceed through the standard execution steps.\n\n**Note:** Regulators can also require delivered bonds to be revised to a new form version. If required, surety entities are notified in advance and may receive license items to track completion.\n\n## Revised Form Bond Requirement \n\nSome changes require issuing a Revised Form Bond. NMLS notifies impacted organizations and provides filtering to locate bonds that require revision. Users initiate the revision from the bond’s manage page, confirm the term acceptance date, complete attestation, and re-sign. The process completes when both parties have signed the revised form.\n\n## Notifications and Reporting \n\nNotifications are sent to the appropriate organizations based on who created the bond. Returned bonds, rider voiding due to return, and voided returned bonds appear in the Surety Bond Transaction Report so users can audit activity.\n\n## Scope and Roles \n\nSurety Companies and Surety Bond Producers see similar prompts and actions during these special cases. Certain actions, such as voiding a returned bond, are available to Surety Companies and not to Surety Bond Producers.\n\n**Parent topic:**Bond Management for Surety Bond Producers",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_bonds_specialCases.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_bonds_specialCases.md",
      "headings": [
        "Special Cases for Electronic Surety Bonds \\(ESBs\\) in NMLS {#esb_specialCases .concept}",
        "Returned to Surety by Regulator {#returned_to_surety .section}",
        "Riders on Returned Bonds {#rider_behavior_on_return .section}",
        "Bond Form Version Upgrades {#bond_form_versioning .section}",
        "Revised Form Bond Requirement {#revised_form_bond .section}",
        "Notifications and Reporting {#notifications_reporting .section}",
        "Scope and Roles {#roles_scope .section}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_bonds_specialCases.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_bonds_specialCases_2.md:chunk-0",
      "title": "Special Cases for Electronic Surety Bonds \\(ESBs\\) in NMLS {#esb_specialCases .concept}",
      "content": "# Special Cases for Electronic Surety Bonds \\(ESBs\\) in NMLS \n\nOverview of exceptions to the standard ESB workflow in NMLS, including returned bonds, bond form version upgrades, and Revised Form Bond requirements. Applies to both Surety Companies and Surety Bond Producers.\n\nThis topic explains how NMLS handles situations that are not part of routine bond creation and maintenance. These special cases are initiated by regulators or by system rules that require additional actions before a bond can proceed.\n\n## Returned to Surety by Regulator \n\nA regulator can return a bond to the surety with a stated reason. The returned bond is captured as a snapshot with a “Returned to Surety” watermark. Common return reasons include, but are not limited to:\n\n-   Incorrect license type or licensee name\n-   Incorrect bond amount, bond number, or effective date\n-   Incorrect signatory\n-   Incorrectly listed underwriting surety company\n-   Incorrect converted bond information or indicator\n-   Duplicate or unnecessary bond\n\nAfter a return, the surety can amend and resubmit the bond through the normal signing process or void the bond. If a returned bond is voided, the bond number can be reused.\n\n## Riders on Returned Bonds \n\nAll riders associated with a returned bond are automatically voided by the system. Delivered riders appear in the returned snapshot. Pending riders do not. Changes from prior riders can be incorporated into the resubmitted bond or recreated through new riders after resubmission.\n\n## Bond Form Version Upgrades \n\nWhen a regulator requires an updated bond form version, undelivered bonds must be upgraded to the latest version before delivery. NMLS displays an upgrade message on the bond’s manage page and provides a guided action to complete the upgrade, after which the bond must be re-signed and proceed through the standard execution steps.\n\n**Note:** Regulators can also require delivered bonds to be revised to a new form version. If required, surety entities are notified",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_bonds_specialCases_2.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_bonds_specialCases_2.md",
      "headings": [
        "Special Cases for Electronic Surety Bonds \\(ESBs\\) in NMLS {#esb_specialCases .concept}",
        "Returned to Surety by Regulator {#returned_to_surety .section}",
        "Riders on Returned Bonds {#rider_behavior_on_return .section}",
        "Bond Form Version Upgrades {#bond_form_versioning .section}",
        "Revised Form Bond Requirement {#revised_form_bond .section}",
        "Notifications and Reporting {#notifications_reporting .section}",
        "Scope and Roles {#roles_scope .section}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_bonds_specialCases_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_bonds_specialCases_2.md:chunk-1",
      "title": "Special Cases for Electronic Surety Bonds \\(ESBs\\) in NMLS {#esb_specialCases .concept}",
      "content": "ust be re-signed and proceed through the standard execution steps.\n\n**Note:** Regulators can also require delivered bonds to be revised to a new form version. If required, surety entities are notified in advance and may receive license items to track completion.\n\n## Revised Form Bond Requirement \n\nSome changes require issuing a Revised Form Bond. NMLS notifies impacted organizations and provides filtering to locate bonds that require revision. Users initiate the revision from the bond’s manage page, confirm the term acceptance date, complete attestation, and re-sign. The process completes when both parties have signed the revised form.\n\n## Notifications and Reporting \n\nNotifications are sent to the appropriate organizations based on who created the bond. Returned bonds, rider voiding due to return, and voided returned bonds appear in the Surety Bond Transaction Report so users can audit activity.\n\n## Scope and Roles \n\nSurety Companies and Surety Bond Producers see similar prompts and actions during these special cases. Certain actions, such as voiding a returned bond, are available to Surety Companies and not to Surety Bond Producers.\n\n**Parent topic:**Bond Management for Surety Companies",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_bonds_specialCases_2.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_bonds_specialCases_2.md",
      "headings": [
        "Special Cases for Electronic Surety Bonds \\(ESBs\\) in NMLS {#esb_specialCases .concept}",
        "Returned to Surety by Regulator {#returned_to_surety .section}",
        "Riders on Returned Bonds {#rider_behavior_on_return .section}",
        "Bond Form Version Upgrades {#bond_form_versioning .section}",
        "Revised Form Bond Requirement {#revised_form_bond .section}",
        "Notifications and Reporting {#notifications_reporting .section}",
        "Scope and Roles {#roles_scope .section}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_bonds_specialCases_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_dashboard.md:chunk-0",
      "title": "Surety Company Dashboard {#surety_sc_dashboard .concept}",
      "content": "# Surety Company Dashboard \n\nThe Surety Company Dashboard summarizes Electronic Surety Bond \\(ESB\\) activity for all underwriting companies within the surety company. Each section displays live bond counts and links to detailed bond records in NMLS.\n\nThe **Surety Company Dashboard** appears under the Home tab and provides a consolidated overview of ESB-related activity across the surety company and its underwriting entities. Each section lists summary counts and allows users to drill down to view details by selecting the linked count. The dashboard refreshes automatically as bond statuses change in NMLS.\n\n**Dashboard layout and sections**\n\nThe dashboard is organized into the following main sections:\n\n-   **Active Bonds \\(Across Surety Company\\)** — Displays counts of active bonds associated with the surety company and all underwriting companies. Rows include:\n    -   **All Bonds:** Total number of active bonds across all underwriting companies. Selecting the count opens the Managed Bonds page filtered by active status.\n    -   **By Underwriting Company:** Shows a separate count for each underwriting company, allowing users to review bonds by specific underwriting entity.\n    -   **Notice of Cancellation Bonds:** Displays the number of bonds currently in “Notice of Cancellation” status. Links open the same Managed Bonds page filtered by that status.\n    -   **Pending Broker of Record \\(BOR\\) Changes:** Shows the number of BOR changes awaiting completion. The row only appears when one or more pending changes exist, and links to the View BOR Changes page.\n-   **Active Bonds \\(Underwriter User\\)** — Available when an underwriter is logged in. Displays the counts of active bonds assigned to that underwriter.\n\n    -   **All Bonds:** Total active bonds assigned to the selected underwriter.\n    -   **Notice of Cancellation Bonds:** Bonds in “Notice of Cancellation” status assigned to the selected underwriter.\n    **Note:** Users can change the displayed underwriter using th",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_dashboard.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_dashboard.md",
      "headings": [
        "Surety Company Dashboard {#surety_sc_dashboard .concept}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_dashboard.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_dashboard.md:chunk-1",
      "title": "Surety Company Dashboard {#surety_sc_dashboard .concept}",
      "content": " underwriter.\n    -   **Notice of Cancellation Bonds:** Bonds in “Notice of Cancellation” status assigned to the selected underwriter.\n    **Note:** Users can change the displayed underwriter using the **Underwriter** dropdown to view counts for other assigned underwriters.\n\n-   **Current Action Items \\(Bonds Pending Action\\)** — Highlights bonds that require attention by the current user.\n\n    -   **Requires Representative Signature:** Bonds created by the user that are awaiting representative signature.\n    -   **Returned Bonds:** Bonds returned to the surety company for correction or review.\n    **Note:** Selecting any count opens the Managed Bonds page filtered to show only the relevant bonds.\n\n-   **Revisions Pending Action** — Displays riders or revised-form bonds that require attention.\n    -   **Requires Representative Signature:** Riders or revised bonds created by the user that still require signature if no producer is associated to the bond.\n    -   **Returned Revisions:** Riders or revised bonds in “Returned to Surety” status requiring surety company action.\n-   **Bonds Requiring Form Updates** — Lists bonds that require an upgrade or replacement form.\n\n    -   **Upgraded Bond Required:** Bonds in “Requires Representative Signature” or “Returned to Surety” status that must be upgraded to a newer form version.\n    -   **Revised Form Bond Required:** Bonds that require surety action for issuance of a revised form bond.\n    **Note:** This section is hidden if the counts for both rows are zero.\n\n**How to use the Dashboard**\n\n-   Use the linked bond counts to navigate directly to filtered bond lists in NMLS.\n-   Review “Pending Action” areas regularly to address required signatures, returned bonds, or revisions.\n-   Monitor “Bonds Requiring Form Updates” to ensure compliance with current form requirements.\n-   Administrators can use the underwriter dropdown to switch context and review workload distribution among assigned underwriters.\n\n**Note:** The dashboar",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_dashboard.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_dashboard.md",
      "headings": [
        "Surety Company Dashboard {#surety_sc_dashboard .concept}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_dashboard.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_dashboard.md:chunk-2",
      "title": "Surety Company Dashboard {#surety_sc_dashboard .concept}",
      "content": "e compliance with current form requirements.\n-   Administrators can use the underwriter dropdown to switch context and review workload distribution among assigned underwriters.\n\n**Note:** The dashboard automatically reflects live bond counts and does not require manual refresh. Values update as bond statuses change or when actions are taken by representatives, producers, or regulators.\n\n**Navigation destinations**\n\nEach linked count on the dashboard opens a specific NMLS page depending on the bond type or action required:\n\n-   Managed Bonds — Displays detailed bond listings filtered by the corresponding dashboard category \\(Active, Returned, Notice of Cancellation, etc.\\).\n-   View BOR Changes — Displays details for pending Broker of Record change requests.\n\n**Parent topic:**NMLS Navigation for Surety Companies",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_dashboard.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_dashboard.md",
      "headings": [
        "Surety Company Dashboard {#surety_sc_dashboard .concept}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_dashboard.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_notificationsSubscriptions.md:chunk-0",
      "title": "Surety Entity Notifications and Subscriptions {#esb_notificationsAndSubscriptions .reference}",
      "content": "# Surety Entity Notifications and Subscriptions \n\nLists automated NMLS notifications and email alerts distributed to Surety Companies, Surety Bond Producers, Principals, and designated individuals when electronic surety bond \\(ESB\\) events occur.\n\nNotifications in NMLS alert surety entities and related participants when key electronic surety bond \\(ESB\\) actions occur, such as signatures, cancellations, returns, or form revisions. These messages are automatically generated by the system and are sent to the designated user roles or subscribed contacts associated with the surety entity.\n\n**Note:** Notifications are sent to subscribed users according to their assigned roles. If no other user is subscribed, messages default to Account Administrator \\(AA\\) users.\n\n## Notification Summary \n\n|Subject|Recipient|Description|\n|-------|---------|-----------|\n|Company Surety Bond Signed|Licensee \\(Principal\\)|Notifies the licensee that a bond written on their behalf is ready for review and signature.|\n|Surety Entity Company Access Granted|Surety Bond Producer, Surety Company|Indicates that authority has been granted to issue bonds for the relevant entities.|\n|Surety Bond Cancelled|Licensee \\(Principal\\)|Sent when a Surety Company sets a cancellation date on a bond.|\n|Surety Bond Rescinded|Licensee \\(Principal\\)|Advises that a previously scheduled bond cancellation has been rescinded.|\n|Surety Bond Reinstated|Licensee \\(Principal\\)|Notifies the licensee that a cancelled bond has been reinstated.|\n|Broker of Record Change Pending|Licensee \\(Principal\\)|Sent on the effective date of a broker of record change to inform the licensee that the change is pending.|\n|Authority to Issue Bonds Withdrawn|Surety Bond Producer, Surety Company|Informs the entities that the licensee has removed authority to issue bonds.|\n|Authority to Issue Bonds Withdrawn|Licensee \\(Principal\\)|Indicates that the Surety Company or Surety Bond Producer has withdrawn its authority to issue or manage bonds for th",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_notificationsSubscriptions.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_notificationsSubscriptions.md",
      "headings": [
        "Surety Entity Notifications and Subscriptions {#esb_notificationsAndSubscriptions .reference}",
        "Notification Summary {#notificationTable .section}",
        "Managing Notification Subscriptions {#subscriptionDetails .section}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_notificationsSubscriptions.html",
      "snippet": null
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    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_notificationsSubscriptions.md:chunk-1",
      "title": "Surety Entity Notifications and Subscriptions {#esb_notificationsAndSubscriptions .reference}",
      "content": "hority to issue bonds.|\n|Authority to Issue Bonds Withdrawn|Licensee \\(Principal\\)|Indicates that the Surety Company or Surety Bond Producer has withdrawn its authority to issue or manage bonds for the licensee.|\n|Company Broker of Record State Authorizations Required|Surety Bond Producer, Surety Company|Alerts that a broker of record change created bonds in states where the entity lacks authorization to issue bonds.|\n|Company Broker of Record Change Rejection|Surety Bond Producer, Surety Company|Indicates that a broker of record change request has been declined.|\n|Surety Bond Declined|Surety Bond Producer, Surety Company|Notifies that the licensee declined the bond.|\n|Surety Bond Request for Correction|Surety Bond Producer, Surety Company|Advises that the licensee has requested a correction on a bond.|\n|Signatory Designation|Individual \\(Control Person\\)|Sent to an MU2 individual who has been designated as a signatory on a bond.|\n|Surety Bond Signed by Designated Individual|Surety Company|Confirms that the MU2 individual designated as signatory has completed the signature on the bond.|\n|Signatory Removal|Individual \\(Control Person\\)|Advises that the individual has been removed as a bond signatory.|\n|Surety Bond Returned to Surety \\(Bond Version Change\\)|Surety Bond Producer, Surety Company|Indicates that undelivered bonds were returned to the surety for upgrade and re-signature due to a new form version issued by the state regulator.|\n|Surety Bond Returned to Surety \\(Bond Version Change\\)|Licensee \\(Principal\\)|Alerts the licensee that undelivered bonds were returned to the surety for upgrade and re-signature because of a new form version.|\n|Company Returns Bond/Rider to Surety \\(Bond Version Change\\)|Individual \\(Control Person\\)|Informs the control person that the bond was returned and requires re-signature before delivery to the regulator.|\n|Surety Bond Returned to Surety \\(Regulator Return\\)|Surety Bond Producer, Surety Company|Notifies that a delivered bond ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_notificationsSubscriptions.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_notificationsSubscriptions.md",
      "headings": [
        "Surety Entity Notifications and Subscriptions {#esb_notificationsAndSubscriptions .reference}",
        "Notification Summary {#notificationTable .section}",
        "Managing Notification Subscriptions {#subscriptionDetails .section}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_notificationsSubscriptions.html",
      "snippet": null
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    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_notificationsSubscriptions.md:chunk-2",
      "title": "Surety Entity Notifications and Subscriptions {#esb_notificationsAndSubscriptions .reference}",
      "content": "bond was returned and requires re-signature before delivery to the regulator.|\n|Surety Bond Returned to Surety \\(Regulator Return\\)|Surety Bond Producer, Surety Company|Notifies that a delivered bond has been returned to the surety by the state regulator for correction.|\n|Surety Bond Returned to Surety \\(Regulator Return\\)|Licensee \\(Principal\\)|Indicates that a delivered bond has been returned to the surety by the regulator for correction.|\n|Annual Surety Attestation|Surety Company, Surety Bond Producer|Automatic reminder sent on November 1, December 1, and January 1 to entities that have not yet completed annual attestation of profile and authorization accuracy.|\n|Producer Signed Bond|Surety Company|Subscription-based notification sent to the assigned underwriter when a producer signs a bond or rider. Does not default to Account Administrators if no subscriber exists.|\n\n## Managing Notification Subscriptions \n\nUsers with administrative roles in a Surety Company or Surety Bond Producer account can manage which users receive automated notifications. Subscription options are available within the Organization Profile area of NMLS under **Manage Subscriptions**.\n\nEach notification type can be enabled or disabled per user, allowing customization for underwriters, compliance staff, or executive contacts.\n\n**Note:** Ensure that at least one active user remains subscribed to each notification type to avoid missed regulatory or workflow alerts.\n\n**Parent topic:**Reporting and Oversight for Surety Bond Producers",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_notificationsSubscriptions.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_notificationsSubscriptions.md",
      "headings": [
        "Surety Entity Notifications and Subscriptions {#esb_notificationsAndSubscriptions .reference}",
        "Notification Summary {#notificationTable .section}",
        "Managing Notification Subscriptions {#subscriptionDetails .section}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_notificationsSubscriptions.html",
      "snippet": null
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    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_notificationsSubscriptions_2.md:chunk-0",
      "title": "Surety Entity Notifications and Subscriptions {#esb_notificationsAndSubscriptions .reference}",
      "content": "# Surety Entity Notifications and Subscriptions \n\nLists automated NMLS notifications and email alerts distributed to Surety Companies, Surety Bond Producers, Principals, and designated individuals when electronic surety bond \\(ESB\\) events occur.\n\nNotifications in NMLS alert surety entities and related participants when key electronic surety bond \\(ESB\\) actions occur, such as signatures, cancellations, returns, or form revisions. These messages are automatically generated by the system and are sent to the designated user roles or subscribed contacts associated with the surety entity.\n\n**Note:** Notifications are sent to subscribed users according to their assigned roles. If no other user is subscribed, messages default to Account Administrator \\(AA\\) users.\n\n## Notification Summary \n\n|Subject|Recipient|Description|\n|-------|---------|-----------|\n|Company Surety Bond Signed|Licensee \\(Principal\\)|Notifies the licensee that a bond written on their behalf is ready for review and signature.|\n|Surety Entity Company Access Granted|Surety Bond Producer, Surety Company|Indicates that authority has been granted to issue bonds for the relevant entities.|\n|Surety Bond Cancelled|Licensee \\(Principal\\)|Sent when a Surety Company sets a cancellation date on a bond.|\n|Surety Bond Rescinded|Licensee \\(Principal\\)|Advises that a previously scheduled bond cancellation has been rescinded.|\n|Surety Bond Reinstated|Licensee \\(Principal\\)|Notifies the licensee that a cancelled bond has been reinstated.|\n|Broker of Record Change Pending|Licensee \\(Principal\\)|Sent on the effective date of a broker of record change to inform the licensee that the change is pending.|\n|Authority to Issue Bonds Withdrawn|Surety Bond Producer, Surety Company|Informs the entities that the licensee has removed authority to issue bonds.|\n|Authority to Issue Bonds Withdrawn|Licensee \\(Principal\\)|Indicates that the Surety Company or Surety Bond Producer has withdrawn its authority to issue or manage bonds for th",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_notificationsSubscriptions_2.md",
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      "headings": [
        "Surety Entity Notifications and Subscriptions {#esb_notificationsAndSubscriptions .reference}",
        "Notification Summary {#notificationTable .section}",
        "Managing Notification Subscriptions {#subscriptionDetails .section}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_notificationsSubscriptions_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_notificationsSubscriptions_2.md:chunk-1",
      "title": "Surety Entity Notifications and Subscriptions {#esb_notificationsAndSubscriptions .reference}",
      "content": "hority to issue bonds.|\n|Authority to Issue Bonds Withdrawn|Licensee \\(Principal\\)|Indicates that the Surety Company or Surety Bond Producer has withdrawn its authority to issue or manage bonds for the licensee.|\n|Company Broker of Record State Authorizations Required|Surety Bond Producer, Surety Company|Alerts that a broker of record change created bonds in states where the entity lacks authorization to issue bonds.|\n|Company Broker of Record Change Rejection|Surety Bond Producer, Surety Company|Indicates that a broker of record change request has been declined.|\n|Surety Bond Declined|Surety Bond Producer, Surety Company|Notifies that the licensee declined the bond.|\n|Surety Bond Request for Correction|Surety Bond Producer, Surety Company|Advises that the licensee has requested a correction on a bond.|\n|Signatory Designation|Individual \\(Control Person\\)|Sent to an MU2 individual who has been designated as a signatory on a bond.|\n|Surety Bond Signed by Designated Individual|Surety Company|Confirms that the MU2 individual designated as signatory has completed the signature on the bond.|\n|Signatory Removal|Individual \\(Control Person\\)|Advises that the individual has been removed as a bond signatory.|\n|Surety Bond Returned to Surety \\(Bond Version Change\\)|Surety Bond Producer, Surety Company|Indicates that undelivered bonds were returned to the surety for upgrade and re-signature due to a new form version issued by the state regulator.|\n|Surety Bond Returned to Surety \\(Bond Version Change\\)|Licensee \\(Principal\\)|Alerts the licensee that undelivered bonds were returned to the surety for upgrade and re-signature because of a new form version.|\n|Company Returns Bond/Rider to Surety \\(Bond Version Change\\)|Individual \\(Control Person\\)|Informs the control person that the bond was returned and requires re-signature before delivery to the regulator.|\n|Surety Bond Returned to Surety \\(Regulator Return\\)|Surety Bond Producer, Surety Company|Notifies that a delivered bond ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_notificationsSubscriptions_2.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_notificationsSubscriptions_2.md",
      "headings": [
        "Surety Entity Notifications and Subscriptions {#esb_notificationsAndSubscriptions .reference}",
        "Notification Summary {#notificationTable .section}",
        "Managing Notification Subscriptions {#subscriptionDetails .section}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_notificationsSubscriptions_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_notificationsSubscriptions_2.md:chunk-2",
      "title": "Surety Entity Notifications and Subscriptions {#esb_notificationsAndSubscriptions .reference}",
      "content": "bond was returned and requires re-signature before delivery to the regulator.|\n|Surety Bond Returned to Surety \\(Regulator Return\\)|Surety Bond Producer, Surety Company|Notifies that a delivered bond has been returned to the surety by the state regulator for correction.|\n|Surety Bond Returned to Surety \\(Regulator Return\\)|Licensee \\(Principal\\)|Indicates that a delivered bond has been returned to the surety by the regulator for correction.|\n|Annual Surety Attestation|Surety Company, Surety Bond Producer|Automatic reminder sent on November 1, December 1, and January 1 to entities that have not yet completed annual attestation of profile and authorization accuracy.|\n|Producer Signed Bond|Surety Company|Subscription-based notification sent to the assigned underwriter when a producer signs a bond or rider. Does not default to Account Administrators if no subscriber exists.|\n\n## Managing Notification Subscriptions \n\nUsers with administrative roles in a Surety Company or Surety Bond Producer account can manage which users receive automated notifications. Subscription options are available within the Organization Profile area of NMLS under **Manage Subscriptions**.\n\nEach notification type can be enabled or disabled per user, allowing customization for underwriters, compliance staff, or executive contacts.\n\n**Note:** Ensure that at least one active user remains subscribed to each notification type to avoid missed regulatory or workflow alerts.\n\n**Parent topic:**Reporting and Oversight for Surety Companies",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_notificationsSubscriptions_2.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_notificationsSubscriptions_2.md",
      "headings": [
        "Surety Entity Notifications and Subscriptions {#esb_notificationsAndSubscriptions .reference}",
        "Notification Summary {#notificationTable .section}",
        "Managing Notification Subscriptions {#subscriptionDetails .section}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_notificationsSubscriptions_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_paperBonds_convert.md:chunk-0",
      "title": "Converting Paper Bonds to Electronic Surety Bonds \\(ESBs\\) {#esb_convertPaperBonds_shared .task}",
      "content": "# Converting Paper Bonds to Electronic Surety Bonds \\(ESBs\\) \n\nSurety companies and surety bond producers can convert paper-issued bonds into Electronic Surety Bonds \\(ESBs\\) in NMLS so that existing obligations appear in the regulator’s electronic bond inventory.\n\nConverting a paper bond allows surety companies and bond producers to electronically reissue an existing paper bond so that it can be tracked, maintained, and reported through NMLS. The conversion creates an electronic version of the bond that includes the original bond number, amount, and effective date, linking it to the licensee’s record within NMLS for regulator visibility.\n\nNMLS supports the conversion process by providing information from participating states in the **Rendered State Bond Forms library** on the Electronic Surety Bonds page of the NMLS Resource Center and, and agencies place a license item informing licensees of their need to convert their bond using the electronic method. Also, the state regulators participating in the ESB functionality may be sending communication to their licensees impacted to alert them to the expectations regarding deadlines and requirements.\n\n**Note:** Both the surety company and the surety bond producer must have an active association in NMLS before converting any existing bond. The conversion process cannot be completed if the association has not been established and accepted by both entities.\n\n1.  Sign in to NMLS using an account with **Manage Bonds** or **Manage and Sign Bonds** permissions.\n\n2.  From the Tasks tab, select **Electronic Surety Bonds**, then choose **Convert Paper Bond**.\n\n3.  Search for and select the licensee that the original paper bond covers.\n\n    **Note:** Only licensees authorized in states that have adopted ESB functionality appear in search results.\n\n4.  Enter the details from the paper bond, including bond number, amount, effective date, and any applicable underwriting company information.\n\n    **Note:** These details must exactly ma",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_paperBonds_convert.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_paperBonds_convert.md",
      "headings": [
        "Converting Paper Bonds to Electronic Surety Bonds \\(ESBs\\) {#esb_convertPaperBonds_shared .task}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_paperBonds_convert.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_paperBonds_convert.md:chunk-1",
      "title": "Converting Paper Bonds to Electronic Surety Bonds \\(ESBs\\) {#esb_convertPaperBonds_shared .task}",
      "content": "ch results.\n\n4.  Enter the details from the paper bond, including bond number, amount, effective date, and any applicable underwriting company information.\n\n    **Note:** These details must exactly match the data provided on the original paper bond to ensure successful linkage in NMLS.\n\n5.  Review and confirm the bond information displayed on the confirmation page.\n\n6.  Submit the bond for execution.\n\n    **Note:** Once submitted, the bond’s status changes to *Pending Execution* until the authorized representative electronically signs it. The execution step is completed by the surety company before the bond is delivered to the regulator.\n\n7.  After execution, verify that the bond appears under the Managed Bonds list with a status of *Active*.\n\n    **Note:** Converted bonds display both the original paper bond number and the new NMLS electronic bond reference number for traceability.\n\n**Tips for successful conversions**\n\n-   Confirm that all bond data matches the original paper bond exactly, including licensee name, bond number, and effective date.\n-   Ensure the association between the surety company and surety bond producer is active and current before conversion.\n-   Review the **Rendered State Bond Forms library** on the NMLS Resource Center to verify that the state participates in ESB conversions.\n-   Monitor state regulator communications for updates on conversion deadlines and requirements.\n\n**Note:** Converted bonds follow the same lifecycle as newly created ESBs and can later be amended, renewed, or canceled within NMLS as required by state regulation.\n\n**Parent topic:**Bond Management for Surety Bond Producers",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_paperBonds_convert.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_paperBonds_convert.md",
      "headings": [
        "Converting Paper Bonds to Electronic Surety Bonds \\(ESBs\\) {#esb_convertPaperBonds_shared .task}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_paperBonds_convert.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_paperBonds_convert_2.md:chunk-0",
      "title": "Converting Paper Bonds to Electronic Surety Bonds \\(ESBs\\) {#esb_convertPaperBonds_shared .task}",
      "content": "# Converting Paper Bonds to Electronic Surety Bonds \\(ESBs\\) \n\nSurety companies and surety bond producers can convert paper-issued bonds into Electronic Surety Bonds \\(ESBs\\) in NMLS so that existing obligations appear in the regulator’s electronic bond inventory.\n\nConverting a paper bond allows surety companies and bond producers to electronically reissue an existing paper bond so that it can be tracked, maintained, and reported through NMLS. The conversion creates an electronic version of the bond that includes the original bond number, amount, and effective date, linking it to the licensee’s record within NMLS for regulator visibility.\n\nNMLS supports the conversion process by providing information from participating states in the **Rendered State Bond Forms library** on the Electronic Surety Bonds page of the NMLS Resource Center and, and agencies place a license item informing licensees of their need to convert their bond using the electronic method. Also, the state regulators participating in the ESB functionality may be sending communication to their licensees impacted to alert them to the expectations regarding deadlines and requirements.\n\n**Note:** Both the surety company and the surety bond producer must have an active association in NMLS before converting any existing bond. The conversion process cannot be completed if the association has not been established and accepted by both entities.\n\n1.  Sign in to NMLS using an account with **Manage Bonds** or **Manage and Sign Bonds** permissions.\n\n2.  From the Tasks tab, select **Electronic Surety Bonds**, then choose **Convert Paper Bond**.\n\n3.  Search for and select the licensee that the original paper bond covers.\n\n    **Note:** Only licensees authorized in states that have adopted ESB functionality appear in search results.\n\n4.  Enter the details from the paper bond, including bond number, amount, effective date, and any applicable underwriting company information.\n\n    **Note:** These details must exactly ma",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_paperBonds_convert_2.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_paperBonds_convert_2.md",
      "headings": [
        "Converting Paper Bonds to Electronic Surety Bonds \\(ESBs\\) {#esb_convertPaperBonds_shared .task}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_paperBonds_convert_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_paperBonds_convert_2.md:chunk-1",
      "title": "Converting Paper Bonds to Electronic Surety Bonds \\(ESBs\\) {#esb_convertPaperBonds_shared .task}",
      "content": "ch results.\n\n4.  Enter the details from the paper bond, including bond number, amount, effective date, and any applicable underwriting company information.\n\n    **Note:** These details must exactly match the data provided on the original paper bond to ensure successful linkage in NMLS.\n\n5.  Review and confirm the bond information displayed on the confirmation page.\n\n6.  Submit the bond for execution.\n\n    **Note:** Once submitted, the bond’s status changes to *Pending Execution* until the authorized representative electronically signs it. The execution step is completed by the surety company before the bond is delivered to the regulator.\n\n7.  After execution, verify that the bond appears under the Managed Bonds list with a status of *Active*.\n\n    **Note:** Converted bonds display both the original paper bond number and the new NMLS electronic bond reference number for traceability.\n\n**Tips for successful conversions**\n\n-   Confirm that all bond data matches the original paper bond exactly, including licensee name, bond number, and effective date.\n-   Ensure the association between the surety company and surety bond producer is active and current before conversion.\n-   Review the **Rendered State Bond Forms library** on the NMLS Resource Center to verify that the state participates in ESB conversions.\n-   Monitor state regulator communications for updates on conversion deadlines and requirements.\n\n**Note:** Converted bonds follow the same lifecycle as newly created ESBs and can later be amended, renewed, or canceled within NMLS as required by state regulation.\n\n**Parent topic:**Bond Management for Surety Companies",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_paperBonds_convert_2.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_paperBonds_convert_2.md",
      "headings": [
        "Converting Paper Bonds to Electronic Surety Bonds \\(ESBs\\) {#esb_convertPaperBonds_shared .task}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_paperBonds_convert_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_reconcilingData.md:chunk-0",
      "title": "Reconciling ESB Data with Internal Systems {#esb_reconcilingEsbData .concept}",
      "content": "# Reconciling ESB Data with Internal Systems \n\nExplains how Surety Companies can use NMLS reports and data exports to align electronic surety bond \\(ESB\\) information with their internal policy, accounting, or compliance systems.\n\nThe Surety Bond Roster and Surety Bond Transaction Report provide the primary data sources for reconciling NMLS bond records with internal surety systems. These reports contain bond identifiers, licensee information, effective dates, and transaction history for all bonds underwritten by the Surety Company or its related underwriting companies.\n\nUse the following references when mapping or validating fields during reconciliation:\n\n-   Surety Company Report Field Definitions — defines all data elements returned in the Surety Bond Roster and Transaction Report.\n-   Surety Bond Transaction Report for Surety Companies — provides the exported report structure and sample field layout for cross-checking values.\n\n## Data Alignment Overview \n\nThe Surety Bond Roster lists all active and historical bonds and includes key identifiers needed for reconciliation:\n\n-   **Bond Number** — matches the unique identifier used in the Surety Company’s internal system.\n-   **Principal NMLS ID** — aligns NMLS-issued entity IDs to internal client or policy numbers.\n-   **Bond Status and Bond Status Date** — support comparison of current status values across systems.\n-   **Bond Form Version** and **Revised Form Bond Required** — confirm whether any active bond requires a new version to remain compliant.\n-   **Cancellation Effective Date** and **Reinstatement Data** \\(from Transaction Report\\) — verify termination and reinstatement events recorded internally.\n\n**Note:** The roster and transaction data may contain time-sensitive events. Always verify that date and time fields match your organization’s internal reporting period when reconciling.\n\n## Best Practices for Reconciliation \n\n-   Run both the Surety Bond Transaction Report and the Surety Bond Roster on the same",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_reconcilingData.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_reconcilingData.md",
      "headings": [
        "Reconciling ESB Data with Internal Systems {#esb_reconcilingEsbData .concept}",
        "Data Alignment Overview {#dataAlignment .section}",
        "Best Practices for Reconciliation {#bestPractices .section}",
        "Validation and Error Checks {#validation .section}",
        "Record Retention {#recordRetention .section}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_reconcilingData.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_reconcilingData.md:chunk-1",
      "title": "Reconciling ESB Data with Internal Systems {#esb_reconcilingEsbData .concept}",
      "content": "lds match your organization’s internal reporting period when reconciling.\n\n## Best Practices for Reconciliation \n\n-   Run both the Surety Bond Transaction Report and the Surety Bond Roster on the same date to ensure alignment of data snapshots.\n-   Filter reports by **Company ID** and **Date Range** to reduce unnecessary volume.\n-   Compare Bond Number, Principal NMLS ID, and Bond Effective Date as the core matching keys between NMLS and internal systems.\n-   Use the Revised Form Bond Required flag to identify bonds that must be re-executed due to regulator-mandated form changes.\n-   Retain downloaded report files as part of the Surety Company’s compliance records for the applicable period.\n\n## Validation and Error Checks \n\nDuring reconciliation, review the following to detect potential data discrepancies:\n\n-   Missing or mismatched bond numbers between internal and NMLS datasets\n-   Bonds marked as Voided or Returned to Surety in NMLS but still listed as active internally\n-   Incorrect license type or regulator assignment for a principal\n-   Differences in bond amounts or effective dates between systems\n\n**Note:** If discrepancies persist after validation, regenerate the NMLS reports and confirm that all filters were applied correctly before escalating for review.\n\n## Record Retention \n\nExported NMLS reports serve as an auditable record of surety bond transactions and should be retained in accordance with the Surety Company’s internal recordkeeping policies. Report contents and field structures are periodically updated by NMLS; always verify you are using the latest version of the field definition documentation.\n\n**Parent topic:**Reporting and Oversight for Surety Bond Producers",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_reconcilingData.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_reconcilingData.md",
      "headings": [
        "Reconciling ESB Data with Internal Systems {#esb_reconcilingEsbData .concept}",
        "Data Alignment Overview {#dataAlignment .section}",
        "Best Practices for Reconciliation {#bestPractices .section}",
        "Validation and Error Checks {#validation .section}",
        "Record Retention {#recordRetention .section}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_reconcilingData.html",
      "snippet": null
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    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_reconcilingData_2.md:chunk-0",
      "title": "Reconciling ESB Data with Internal Systems {#esb_reconcilingEsbData .concept}",
      "content": "# Reconciling ESB Data with Internal Systems \n\nExplains how Surety Companies can use NMLS reports and data exports to align electronic surety bond \\(ESB\\) information with their internal policy, accounting, or compliance systems.\n\nThe Surety Bond Roster and Surety Bond Transaction Report provide the primary data sources for reconciling NMLS bond records with internal surety systems. These reports contain bond identifiers, licensee information, effective dates, and transaction history for all bonds underwritten by the Surety Company or its related underwriting companies.\n\nUse the following references when mapping or validating fields during reconciliation:\n\n-   Surety Company Report Field Definitions — defines all data elements returned in the Surety Bond Roster and Transaction Report.\n-   Surety Bond Transaction Report for Surety Companies — provides the exported report structure and sample field layout for cross-checking values.\n\n## Data Alignment Overview \n\nThe Surety Bond Roster lists all active and historical bonds and includes key identifiers needed for reconciliation:\n\n-   **Bond Number** — matches the unique identifier used in the Surety Company’s internal system.\n-   **Principal NMLS ID** — aligns NMLS-issued entity IDs to internal client or policy numbers.\n-   **Bond Status and Bond Status Date** — support comparison of current status values across systems.\n-   **Bond Form Version** and **Revised Form Bond Required** — confirm whether any active bond requires a new version to remain compliant.\n-   **Cancellation Effective Date** and **Reinstatement Data** \\(from Transaction Report\\) — verify termination and reinstatement events recorded internally.\n\n**Note:** The roster and transaction data may contain time-sensitive events. Always verify that date and time fields match your organization’s internal reporting period when reconciling.\n\n## Best Practices for Reconciliation \n\n-   Run both the Surety Bond Transaction Report and the Surety Bond Roster on the same",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_reconcilingData_2.md",
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      "headings": [
        "Reconciling ESB Data with Internal Systems {#esb_reconcilingEsbData .concept}",
        "Data Alignment Overview {#dataAlignment .section}",
        "Best Practices for Reconciliation {#bestPractices .section}",
        "Validation and Error Checks {#validation .section}",
        "Record Retention {#recordRetention .section}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_reconcilingData_2.html",
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      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_reconcilingData_2.md:chunk-1",
      "title": "Reconciling ESB Data with Internal Systems {#esb_reconcilingEsbData .concept}",
      "content": "lds match your organization’s internal reporting period when reconciling.\n\n## Best Practices for Reconciliation \n\n-   Run both the Surety Bond Transaction Report and the Surety Bond Roster on the same date to ensure alignment of data snapshots.\n-   Filter reports by **Company ID** and **Date Range** to reduce unnecessary volume.\n-   Compare Bond Number, Principal NMLS ID, and Bond Effective Date as the core matching keys between NMLS and internal systems.\n-   Use the Revised Form Bond Required flag to identify bonds that must be re-executed due to regulator-mandated form changes.\n-   Retain downloaded report files as part of the Surety Company’s compliance records for the applicable period.\n\n## Validation and Error Checks \n\nDuring reconciliation, review the following to detect potential data discrepancies:\n\n-   Missing or mismatched bond numbers between internal and NMLS datasets\n-   Bonds marked as Voided or Returned to Surety in NMLS but still listed as active internally\n-   Incorrect license type or regulator assignment for a principal\n-   Differences in bond amounts or effective dates between systems\n\n**Note:** If discrepancies persist after validation, regenerate the NMLS reports and confirm that all filters were applied correctly before escalating for review.\n\n## Record Retention \n\nExported NMLS reports serve as an auditable record of surety bond transactions and should be retained in accordance with the Surety Company’s internal recordkeeping policies. Report contents and field structures are periodically updated by NMLS; always verify you are using the latest version of the field definition documentation.\n\n**Parent topic:**Reporting and Oversight for Surety Companies",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_reconcilingData_2.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_reconcilingData_2.md",
      "headings": [
        "Reconciling ESB Data with Internal Systems {#esb_reconcilingEsbData .concept}",
        "Data Alignment Overview {#dataAlignment .section}",
        "Best Practices for Reconciliation {#bestPractices .section}",
        "Validation and Error Checks {#validation .section}",
        "Record Retention {#recordRetention .section}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_reconcilingData_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_resolutions.md:chunk-0",
      "title": "Resolutions for Common ESB Errors and Warnings {#esb_commonResolutions .reference}",
      "content": "# Resolutions for Common ESB Errors and Warnings \n\nProvides corrective actions for common electronic surety bond \\(ESB\\) error and warning messages encountered by Surety Companies, Surety Bond Producers, and State Licensees in NMLS.\n\nThis table lists the recommended user actions to resolve electronic surety bond \\(ESB\\) signature errors and warnings in NMLS. The information applies to Surety Companies, Surety Bond Producers, and State Licensees as noted.\n\n**Note:** If a listed resolution does not clear the message, verify that all authorizations, associations, and role permissions are current, then contact the NMLS Call Center for additional support at 1-855-NMLS-123 \\(1-855-665-7123\\).\n\n|User type|Message|Resolution|\n|---------|-------|----------|\n|Surety Company|The designated Surety/Underwriting Company is not authorized to do business in this state.|Return to the Surety Company Profile page and update the company’s state authorizations before attempting to sign the bond again.|\n|Surety Bond Producer|You must be an active representative for the Surety/Underwriting Company on the bond to sign.|Contact the Surety Company to update the producer representative status and confirm authorization.|\n|Surety Bond Producer|The Bond Amount exceeds your authorized limit.|Have a representative with a higher limit sign the bond, or contact the Surety Company to adjust the bond limit.|\n|Surety Bond Producer|The association with the Surety/Underwriting Company on the bond is no longer valid.|Contact the Surety Company to reestablish the association or confirm that the Surety Company’s state authorization is active. Administrator users can verify these details in Composite View.|\n|State Licensee|This bond requires the signature of an MU2 individual.|Click **Designate Individual** to assign the MU2 signatory for the bond.|\n|State Licensee|\\[MU2 Individual\\] has been selected as the signatory on the bond or rider.|Click **Confirm** to finalize the designation and notify the MU2 indi",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_resolutions.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_resolutions.md",
      "headings": [
        "Resolutions for Common ESB Errors and Warnings {#esb_commonResolutions .reference}",
        "After Completing the Resolution {#afterResolution .section}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_resolutions.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_resolutions.md:chunk-1",
      "title": "Resolutions for Common ESB Errors and Warnings {#esb_commonResolutions .reference}",
      "content": "ssign the MU2 signatory for the bond.|\n|State Licensee|\\[MU2 Individual\\] has been selected as the signatory on the bond or rider.|Click **Confirm** to finalize the designation and notify the MU2 individual for signature, or click **Return to Detail** to modify the selection.|\n\n## After Completing the Resolution \n\nOnce the required corrections are made, repeat the signing process. The system will allow the bond or rider to be signed when all authorizations, associations, and designations are valid.\n\n**Parent topic:**Troubleshooting and Error Handling for Electronic Surety Bonds \\(ESBs\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_resolutions.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_resolutions.md",
      "headings": [
        "Resolutions for Common ESB Errors and Warnings {#esb_commonResolutions .reference}",
        "After Completing the Resolution {#afterResolution .section}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_resolutions.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_resolutions_2.md:chunk-0",
      "title": "Resolutions for Common ESB Errors and Warnings {#esb_commonResolutions .reference}",
      "content": "# Resolutions for Common ESB Errors and Warnings \n\nProvides corrective actions for common electronic surety bond \\(ESB\\) error and warning messages encountered by Surety Companies, Surety Bond Producers, and State Licensees in NMLS.\n\nThis table lists the recommended user actions to resolve electronic surety bond \\(ESB\\) signature errors and warnings in NMLS. The information applies to Surety Companies, Surety Bond Producers, and State Licensees as noted.\n\n**Note:** If a listed resolution does not clear the message, verify that all authorizations, associations, and role permissions are current, then contact the NMLS Call Center for additional support at 1-855-NMLS-123 \\(1-855-665-7123\\).\n\n|User type|Message|Resolution|\n|---------|-------|----------|\n|Surety Company|The designated Surety/Underwriting Company is not authorized to do business in this state.|Return to the Surety Company Profile page and update the company’s state authorizations before attempting to sign the bond again.|\n|Surety Bond Producer|You must be an active representative for the Surety/Underwriting Company on the bond to sign.|Contact the Surety Company to update the producer representative status and confirm authorization.|\n|Surety Bond Producer|The Bond Amount exceeds your authorized limit.|Have a representative with a higher limit sign the bond, or contact the Surety Company to adjust the bond limit.|\n|Surety Bond Producer|The association with the Surety/Underwriting Company on the bond is no longer valid.|Contact the Surety Company to reestablish the association or confirm that the Surety Company’s state authorization is active. Administrator users can verify these details in Composite View.|\n|State Licensee|This bond requires the signature of an MU2 individual.|Click **Designate Individual** to assign the MU2 signatory for the bond.|\n|State Licensee|\\[MU2 Individual\\] has been selected as the signatory on the bond or rider.|Click **Confirm** to finalize the designation and notify the MU2 indi",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_resolutions_2.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_resolutions_2.md",
      "headings": [
        "Resolutions for Common ESB Errors and Warnings {#esb_commonResolutions .reference}",
        "After Completing the Resolution {#afterResolution .section}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_resolutions_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_resolutions_2.md:chunk-1",
      "title": "Resolutions for Common ESB Errors and Warnings {#esb_commonResolutions .reference}",
      "content": "ssign the MU2 signatory for the bond.|\n|State Licensee|\\[MU2 Individual\\] has been selected as the signatory on the bond or rider.|Click **Confirm** to finalize the designation and notify the MU2 individual for signature, or click **Return to Detail** to modify the selection.|\n\n## After Completing the Resolution \n\nOnce the required corrections are made, repeat the signing process. The system will allow the bond or rider to be signed when all authorizations, associations, and designations are valid.\n\n**Parent topic:**Troubleshooting and Error Handling for Electronic Surety Bonds \\(ESBs\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_resolutions_2.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_resolutions_2.md",
      "headings": [
        "Resolutions for Common ESB Errors and Warnings {#esb_commonResolutions .reference}",
        "After Completing the Resolution {#afterResolution .section}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_resolutions_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_ridersAndendorsements.md:chunk-0",
      "title": "Riders and Endorsements for Electronic Surety Bonds \\(ESBs\\) {#esb_ridersEndorsements_shared .task}",
      "content": "# Riders and Endorsements for Electronic Surety Bonds \\(ESBs\\) \n\nRiders and endorsements modify existing Electronic Surety Bonds \\(ESBs\\) in NMLS. They are used to update, extend, or clarify bond terms without replacing the original bond.\n\nIn NMLS, a **rider** or **endorsement** is an amendment to an existing Electronic Surety Bond \\(ESB\\). Riders are typically issued to change a bond amount, modify license coverage, update names, or reflect other material adjustments that do not require a new bond record. Both surety companies and surety bond producers can create and manage riders, depending on their assigned NMLS roles and the terms of their association.\n\n**Note:** Each rider is linked directly to a parent bond record. When a rider is created, it inherits the same licensee, bond number, and regulator association as the original bond.\n\n1.  Sign in to NMLS using an account with **Manage Bonds** or **Manage and Sign Bonds** permissions.\n\n2.  Open the Tasks tab and select **Electronic Surety Bonds**, then choose **Create Rider**.\n\n3.  Search for the bond you want to modify by entering the bond number or licensee name, then select **Next**.\n\n    **Note:** Only bonds that are active or pending execution appear in the search results. Bonds already canceled or voided cannot have riders created.\n\n4.  Select the rider type from the drop-down list \\(for example, **Increase Bond Amount**, **Change Name**, **Extend Expiration**\\).\n\n    **Note:** The list of available rider types is determined by the bond’s regulator and may vary by state or license type.\n\n5.  Enter all required rider details, including the effective date and revised bond information, then click **Save**.\n\n    **Note:** Each rider automatically references the original bond number. The system records both the prior and updated values for audit purposes.\n\n6.  Submit the rider for execution and representative signature, if required.\n\n    **Note:** Once the rider is executed, it is delivered electronically to the r",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_ridersAndendorsements.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_ridersAndendorsements.md",
      "headings": [
        "Riders and Endorsements for Electronic Surety Bonds \\(ESBs\\) {#esb_ridersEndorsements_shared .task}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_ridersAndendorsements.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_ridersAndendorsements.md:chunk-1",
      "title": "Riders and Endorsements for Electronic Surety Bonds \\(ESBs\\) {#esb_ridersEndorsements_shared .task}",
      "content": "and updated values for audit purposes.\n\n6.  Submit the rider for execution and representative signature, if required.\n\n    **Note:** Once the rider is executed, it is delivered electronically to the regulator for review. The parent bond record remains active and is updated to reflect the rider’s changes.\n\n7.  Confirm the rider’s status from the Managed Bonds list.\n\n    **Note:** Riders appear as individual line items beneath their associated bond record, with a status of *Pending Execution*, *Delivered to Regulator*, or *Active*.\n\n**Tips for creating and managing riders**\n\n-   Verify that the requested rider type is permitted by the regulator before submission.\n-   Ensure bond values and effective dates entered in the rider align with the regulator’s requirements and the licensee’s coverage needs.\n-   Only one active rider can be pending for a bond at a time. Complete or withdraw any existing rider before submitting another.\n-   After regulator acceptance, confirm that the updated information appears on the licensee’s record and the Managed Bonds page.\n\n**Note:** Riders and endorsements are permanent amendments to an existing bond record and cannot be deleted. Any corrections must be performed by submitting a new rider or regulator-directed revision.\n\n**Parent topic:**Bond Management for Surety Bond Producers",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_ridersAndendorsements.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_ridersAndendorsements.md",
      "headings": [
        "Riders and Endorsements for Electronic Surety Bonds \\(ESBs\\) {#esb_ridersEndorsements_shared .task}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_ridersAndendorsements.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_ridersAndendorsements_2.md:chunk-0",
      "title": "Riders and Endorsements for Electronic Surety Bonds \\(ESBs\\) {#esb_ridersEndorsements_shared .task}",
      "content": "# Riders and Endorsements for Electronic Surety Bonds \\(ESBs\\) \n\nRiders and endorsements modify existing Electronic Surety Bonds \\(ESBs\\) in NMLS. They are used to update, extend, or clarify bond terms without replacing the original bond.\n\nIn NMLS, a **rider** or **endorsement** is an amendment to an existing Electronic Surety Bond \\(ESB\\). Riders are typically issued to change a bond amount, modify license coverage, update names, or reflect other material adjustments that do not require a new bond record. Both surety companies and surety bond producers can create and manage riders, depending on their assigned NMLS roles and the terms of their association.\n\n**Note:** Each rider is linked directly to a parent bond record. When a rider is created, it inherits the same licensee, bond number, and regulator association as the original bond.\n\n1.  Sign in to NMLS using an account with **Manage Bonds** or **Manage and Sign Bonds** permissions.\n\n2.  Open the Tasks tab and select **Electronic Surety Bonds**, then choose **Create Rider**.\n\n3.  Search for the bond you want to modify by entering the bond number or licensee name, then select **Next**.\n\n    **Note:** Only bonds that are active or pending execution appear in the search results. Bonds already canceled or voided cannot have riders created.\n\n4.  Select the rider type from the drop-down list \\(for example, **Increase Bond Amount**, **Change Name**, **Extend Expiration**\\).\n\n    **Note:** The list of available rider types is determined by the bond’s regulator and may vary by state or license type.\n\n5.  Enter all required rider details, including the effective date and revised bond information, then click **Save**.\n\n    **Note:** Each rider automatically references the original bond number. The system records both the prior and updated values for audit purposes.\n\n6.  Submit the rider for execution and representative signature, if required.\n\n    **Note:** Once the rider is executed, it is delivered electronically to the r",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_ridersAndendorsements_2.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_ridersAndendorsements_2.md",
      "headings": [
        "Riders and Endorsements for Electronic Surety Bonds \\(ESBs\\) {#esb_ridersEndorsements_shared .task}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_ridersAndendorsements_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_ridersAndendorsements_2.md:chunk-1",
      "title": "Riders and Endorsements for Electronic Surety Bonds \\(ESBs\\) {#esb_ridersEndorsements_shared .task}",
      "content": "and updated values for audit purposes.\n\n6.  Submit the rider for execution and representative signature, if required.\n\n    **Note:** Once the rider is executed, it is delivered electronically to the regulator for review. The parent bond record remains active and is updated to reflect the rider’s changes.\n\n7.  Confirm the rider’s status from the Managed Bonds list.\n\n    **Note:** Riders appear as individual line items beneath their associated bond record, with a status of *Pending Execution*, *Delivered to Regulator*, or *Active*.\n\n**Tips for creating and managing riders**\n\n-   Verify that the requested rider type is permitted by the regulator before submission.\n-   Ensure bond values and effective dates entered in the rider align with the regulator’s requirements and the licensee’s coverage needs.\n-   Only one active rider can be pending for a bond at a time. Complete or withdraw any existing rider before submitting another.\n-   After regulator acceptance, confirm that the updated information appears on the licensee’s record and the Managed Bonds page.\n\n**Note:** Riders and endorsements are permanent amendments to an existing bond record and cannot be deleted. Any corrections must be performed by submitting a new rider or regulator-directed revision.\n\n**Parent topic:**Bond Management for Surety Companies",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_ridersAndendorsements_2.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_ridersAndendorsements_2.md",
      "headings": [
        "Riders and Endorsements for Electronic Surety Bonds \\(ESBs\\) {#esb_ridersEndorsements_shared .task}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_ridersAndendorsements_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_signatureErrors.md:chunk-0",
      "title": "Bond Signature Errors {#esb_bondSignatureErrors .reference}",
      "content": "# Bond Signature Errors \n\nLists and explains system error messages that may appear when Surety Companies or Surety Bond Producers attempt to sign an electronic surety bond \\(ESB\\) in NMLS, along with their reasons and resolutions.\n\nWhen signing an electronic surety bond in NMLS, users may encounter validation errors that prevent completion of the signature step. The tables below identify each message, its cause, and the resolution required to proceed.\n\n**Note:** If an error message persists after corrections are made, contact the NMLS Call Center for assistance at 1-855-NMLS-123 \\(1-855-665-7123\\).\n\n## Surety Company Error Message \n\n|Error|Reason|Resolution|\n|-----|------|----------|\n|The designated Surety/Underwriting Company is not authorized to do business in this state. Click Return to Surety and include a note to the surety entity to resolve this issue.|Displayed when a user with the Manage and Sign Bonds role attempts to sign a bond that was created while the Surety Company had state authorization but has since lost that authorization.|Return to the Surety Company Profile page and update the company’s state authorizations before attempting to sign the bond again.|\n\n## Surety Bond Producer Error Messages \n\n|Error|Reason|Resolution|\n|-----|------|----------|\n|You must be an active representative for the Surety/Underwriting Company on the bond to sign.|Appears when a user with the Manage Bonds role attempts to sign but is not an active Surety Bond Producer Representative or is not authorized by the selected Surety/Underwriting Company.|Contact the Surety Company to update the producer representative status and confirm authorization.|\n|The Bond Amount exceeds your authorized limit.|Displayed when an authorized Surety Bond Producer Representative tries to sign a bond with an amount greater than their authorized signing limit.|Have a representative with a higher limit sign the bond, or contact the Surety Company to adjust the bond limit.|\n|The association with the S",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_signatureErrors.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_signatureErrors.md",
      "headings": [
        "Bond Signature Errors {#esb_bondSignatureErrors .reference}",
        "Surety Company Error Message {#suretyCompanyErrors .section}",
        "Surety Bond Producer Error Messages {#suretyBondProducerErrors .section}",
        "After Correcting Errors {#successfulResolution .section}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_signatureErrors.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_signatureErrors.md:chunk-1",
      "title": "Bond Signature Errors {#esb_bondSignatureErrors .reference}",
      "content": "ith an amount greater than their authorized signing limit.|Have a representative with a higher limit sign the bond, or contact the Surety Company to adjust the bond limit.|\n|The association with the Surety/Underwriting Company on the bond is no longer valid.|Occurs when a bond was created while a Surety Bond Producer had a valid association with a Surety Company, but that association has since been removed or the Surety Company no longer holds the necessary state authorization.|Contact the Surety Company to reestablish the association or confirm that the Surety Company’s state authorization is active. Administrator users can verify these details in Composite View.|\n\n## After Correcting Errors \n\nOnce the authorization, association, or bond amount issue is corrected, repeat the signing process. When all criteria are met, NMLS allows the bond to be signed successfully.\n\n**Parent topic:**Troubleshooting and Error Handling for Electronic Surety Bonds \\(ESBs\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_signatureErrors.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_signatureErrors.md",
      "headings": [
        "Bond Signature Errors {#esb_bondSignatureErrors .reference}",
        "Surety Company Error Message {#suretyCompanyErrors .section}",
        "Surety Bond Producer Error Messages {#suretyBondProducerErrors .section}",
        "After Correcting Errors {#successfulResolution .section}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_signatureErrors.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_signatureErrors_2.md:chunk-0",
      "title": "Bond Signature Errors {#esb_bondSignatureErrors .reference}",
      "content": "# Bond Signature Errors \n\nLists and explains system error messages that may appear when Surety Companies or Surety Bond Producers attempt to sign an electronic surety bond \\(ESB\\) in NMLS, along with their reasons and resolutions.\n\nWhen signing an electronic surety bond in NMLS, users may encounter validation errors that prevent completion of the signature step. The tables below identify each message, its cause, and the resolution required to proceed.\n\n**Note:** If an error message persists after corrections are made, contact the NMLS Call Center for assistance at 1-855-NMLS-123 \\(1-855-665-7123\\).\n\n## Surety Company Error Message \n\n|Error|Reason|Resolution|\n|-----|------|----------|\n|The designated Surety/Underwriting Company is not authorized to do business in this state. Click Return to Surety and include a note to the surety entity to resolve this issue.|Displayed when a user with the Manage and Sign Bonds role attempts to sign a bond that was created while the Surety Company had state authorization but has since lost that authorization.|Return to the Surety Company Profile page and update the company’s state authorizations before attempting to sign the bond again.|\n\n## Surety Bond Producer Error Messages \n\n|Error|Reason|Resolution|\n|-----|------|----------|\n|You must be an active representative for the Surety/Underwriting Company on the bond to sign.|Appears when a user with the Manage Bonds role attempts to sign but is not an active Surety Bond Producer Representative or is not authorized by the selected Surety/Underwriting Company.|Contact the Surety Company to update the producer representative status and confirm authorization.|\n|The Bond Amount exceeds your authorized limit.|Displayed when an authorized Surety Bond Producer Representative tries to sign a bond with an amount greater than their authorized signing limit.|Have a representative with a higher limit sign the bond, or contact the Surety Company to adjust the bond limit.|\n|The association with the S",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_signatureErrors_2.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_signatureErrors_2.md",
      "headings": [
        "Bond Signature Errors {#esb_bondSignatureErrors .reference}",
        "Surety Company Error Message {#suretyCompanyErrors .section}",
        "Surety Bond Producer Error Messages {#suretyBondProducerErrors .section}",
        "After Correcting Errors {#successfulResolution .section}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_signatureErrors_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_signatureErrors_2.md:chunk-1",
      "title": "Bond Signature Errors {#esb_bondSignatureErrors .reference}",
      "content": "ith an amount greater than their authorized signing limit.|Have a representative with a higher limit sign the bond, or contact the Surety Company to adjust the bond limit.|\n|The association with the Surety/Underwriting Company on the bond is no longer valid.|Occurs when a bond was created while a Surety Bond Producer had a valid association with a Surety Company, but that association has since been removed or the Surety Company no longer holds the necessary state authorization.|Contact the Surety Company to reestablish the association or confirm that the Surety Company’s state authorization is active. Administrator users can verify these details in Composite View.|\n\n## After Correcting Errors \n\nOnce the authorization, association, or bond amount issue is corrected, repeat the signing process. When all criteria are met, NMLS allows the bond to be signed successfully.\n\n**Parent topic:**Troubleshooting and Error Handling for Electronic Surety Bonds \\(ESBs\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_signatureErrors_2.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_signatureErrors_2.md",
      "headings": [
        "Bond Signature Errors {#esb_bondSignatureErrors .reference}",
        "Surety Company Error Message {#suretyCompanyErrors .section}",
        "Surety Bond Producer Error Messages {#suretyBondProducerErrors .section}",
        "After Correcting Errors {#successfulResolution .section}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_signatureErrors_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_stateLicenseeWarnings.md:chunk-0",
      "title": "State Licensee Warning Messages {#esb_stateLicenseeWarnings .reference}",
      "content": "# State Licensee Warning Messages \n\nLists and explains system warning messages that may appear when a state licensee manages or signs an electronic surety bond \\(ESB\\) in NMLS.\n\nState licensees may encounter system warnings when designating or confirming a required MU2 control person as the bond signatory in NMLS. These warnings appear on the Bonds Pending Action page and guide users through completing the necessary signatory steps.\n\n**Note:** Warnings do not prevent submission but require confirmation or designation before proceeding with the signing process.\n\n|Warning|Reason|Resolution|\n|-------|------|----------|\n|This bond requires the signature of an MU2 individual. Click Designate Individual to designate the MU2 signatory on the bond.|Displayed when a user with the Surety Bonds Management role accesses a bond that requires a control person signature. The user cannot sign directly until an MU2 individual is designated.|Click **Designate Individual** to assign the MU2 signatory for the bond.|\n|\\[MU2 Individual\\] has been selected as the signatory on the bond or rider. Click Confirm to complete this step and notify the individual as the signatory, or click Return to Detail to return to the Manage Bond or Rider Page.|Displayed when a company user has selected an MU2 individual as signatory but has not yet confirmed the designation. The warning prompts the user to complete the confirmation so the system can notify the individual for signature.|Click **Confirm** to finalize the signatory designation and send the notification to the individual, or click **Return to Detail** to modify the selection.|\n\n## After Correcting Warnings \n\nOnce the MU2 signatory is designated and confirmed, NMLS routes the bond or rider to that individual for signature. The warning message will no longer appear on the Bonds Pending Action page.\n\n**Parent topic:**Troubleshooting and Error Handling for Electronic Surety Bonds \\(ESBs\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_stateLicenseeWarnings.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_stateLicenseeWarnings.md",
      "headings": [
        "State Licensee Warning Messages {#esb_stateLicenseeWarnings .reference}",
        "After Correcting Warnings {#afterWarnings .section}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_stateLicenseeWarnings.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_stateLicenseeWarnings_2.md:chunk-0",
      "title": "State Licensee Warning Messages {#esb_stateLicenseeWarnings .reference}",
      "content": "# State Licensee Warning Messages \n\nLists and explains system warning messages that may appear when a state licensee manages or signs an electronic surety bond \\(ESB\\) in NMLS.\n\nState licensees may encounter system warnings when designating or confirming a required MU2 control person as the bond signatory in NMLS. These warnings appear on the Bonds Pending Action page and guide users through completing the necessary signatory steps.\n\n**Note:** Warnings do not prevent submission but require confirmation or designation before proceeding with the signing process.\n\n|Warning|Reason|Resolution|\n|-------|------|----------|\n|This bond requires the signature of an MU2 individual. Click Designate Individual to designate the MU2 signatory on the bond.|Displayed when a user with the Surety Bonds Management role accesses a bond that requires a control person signature. The user cannot sign directly until an MU2 individual is designated.|Click **Designate Individual** to assign the MU2 signatory for the bond.|\n|\\[MU2 Individual\\] has been selected as the signatory on the bond or rider. Click Confirm to complete this step and notify the individual as the signatory, or click Return to Detail to return to the Manage Bond or Rider Page.|Displayed when a company user has selected an MU2 individual as signatory but has not yet confirmed the designation. The warning prompts the user to complete the confirmation so the system can notify the individual for signature.|Click **Confirm** to finalize the signatory designation and send the notification to the individual, or click **Return to Detail** to modify the selection.|\n\n## After Correcting Warnings \n\nOnce the MU2 signatory is designated and confirmed, NMLS routes the bond or rider to that individual for signature. The warning message will no longer appear on the Bonds Pending Action page.\n\n**Parent topic:**Troubleshooting and Error Handling for Electronic Surety Bonds \\(ESBs\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_stateLicenseeWarnings_2.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_stateLicenseeWarnings_2.md",
      "headings": [
        "State Licensee Warning Messages {#esb_stateLicenseeWarnings .reference}",
        "After Correcting Warnings {#afterWarnings .section}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_stateLicenseeWarnings_2.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_transactionReports.md:chunk-0",
      "title": "Surety Company Transaction Reports {#esb_suretyTransactionReports .reference}",
      "content": "# Surety Company Transaction Reports \n\nDescribes the Surety Bond Transaction Report available to Surety Companies in NMLS, including the filter criteria, event types, and field definitions contained in the report.\n\nThe Surety Bond Transaction Report lists events that occur for bonds insured by a Surety Company or one of its underwriting subsidiaries. Each transaction record shows the bond’s current values at the time the event occurred and always reflects the latest revision of the bond.\n\nThe report can be accessed from the Reports tab in NMLS and downloaded for analysis or reconciliation. Complete field definitions appear in Surety Company Report Field Definitions.\n\n## Report Availability \n\nReport data is available according to the following system rules:\n\n-   **“As of Date” Reports:** Requests made Monday–Thursday include data current as of the previous day. Requests made Friday–Sunday include data current as of the preceding Thursday.\n-   **“Since Date” Reports:** Requests made Monday–Thursday include data through the previous day. Requests made Friday–Sunday include data through the preceding Thursday.\n\n## Filter Criteria \n\nThe report can be filtered by the following options in the Reports tab:\n\n-   Company ID\n-   Date Range \\(up to 30 days; future dates not allowed\\)\n-   Underwriter / Underwriting Company\n-   Surety Bond Transaction Type\n-   Include Rider Transactions\n\n## Transaction Events Captured \n\nThe report returns the following surety bond transaction types:\n\n-   Signed by Surety / Rider Signed by Surety\n-   Signed by Licensee / Rider Signed by Licensee\n-   Delivered to Regulator / Rider Delivered to Regulator\n-   Broker of Record Change\n-   Notice of Cancellation\n-   Cancellation Notice Rescinded\n-   Cancelled\n-   Reinstated\n-   Returned to Surety\n-   Returned to Surety by Regulator\n-   Declined by Licensee\n-   Revised Form Bond Issued\n-   Voided\n\n## Key Report Fields \n\nThe table below summarizes representative fields from the Surety Bond Transaction Rep",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_transactionReports.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_transactionReports.md",
      "headings": [
        "Surety Company Transaction Reports {#esb_suretyTransactionReports .reference}",
        "Report Availability {#availabilityRules .section}",
        "Filter Criteria {#criteria .section}",
        "Transaction Events Captured {#transactionEvents .section}",
        "Key Report Fields {#fieldDefinitions .section}",
        "Usage Notes {#usageNotes .section}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_transactionReports.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_transactionReports.md:chunk-1",
      "title": "Surety Company Transaction Reports {#esb_suretyTransactionReports .reference}",
      "content": "ed to Surety by Regulator\n-   Declined by Licensee\n-   Revised Form Bond Issued\n-   Voided\n\n## Key Report Fields \n\nThe table below summarizes representative fields from the Surety Bond Transaction Report. For the complete set, see Surety Bond Transaction Report for Surety Companies.\n\n|Field Name|Description|\n|----------|-----------|\n|Bond Transaction Type|Indicates the type of surety bond transaction returned based on the selected filters.|\n|Transaction Date|Date the event occurred.|\n|Action Taken By|Full name of the user who initiated the event.|\n|Bond Number|The number entered by the surety entity that created the bond in NMLS.|\n|Bond Effective Date|The effective date stated on the bond.|\n|Bond Amount|Bond amount as reported on the surety bond.|\n|Underwriting Company / Underwriter|Name of the surety or underwriting company and the underwriter responsible for the bond.|\n|Surety Bond Producer|Name of the agent or broker acting on behalf of the surety company.|\n|Principal Name and NMLS ID|Identifies the licensed entity covered by the bond and its NMLS identifier.|\n|Regulator \\(Obligee\\)|The state agency that licenses the principal and is the beneficiary of claims against the bond.|\n|Rider Change Category / Revision Effective Date|Specifies the type of amendment and the effective date of the revision or rider.|\n|Report Current As Of / Generated Time|Indicates the system date and time when the report was run.|\n\n## Usage Notes \n\nUse this report to track bond signing and status changes over time and to verify that events have been recorded properly in NMLS. Data can be exported for reconciliation with internal bond management systems or regulatory reporting records.\n\n**Note:** The report data is limited to bonds insured by the requesting Surety Company and its subsidiaries. Do not share exported data outside authorized organizational use.\n\n**Parent topic:**Reporting and Oversight for Surety Companies",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_transactionReports.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_transactionReports.md",
      "headings": [
        "Surety Company Transaction Reports {#esb_suretyTransactionReports .reference}",
        "Report Availability {#availabilityRules .section}",
        "Filter Criteria {#criteria .section}",
        "Transaction Events Captured {#transactionEvents .section}",
        "Key Report Fields {#fieldDefinitions .section}",
        "Usage Notes {#usageNotes .section}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_transactionReports.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_transactionReports.md:chunk-2",
      "title": "Surety Company Transaction Reports {#esb_suretyTransactionReports .reference}",
      "content": "Do not share exported data outside authorized organizational use.\n\n**Parent topic:**Reporting and Oversight for Surety Companies",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_transactionReports.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_transactionReports.md",
      "headings": [
        "Surety Company Transaction Reports {#esb_suretyTransactionReports .reference}",
        "Report Availability {#availabilityRules .section}",
        "Filter Criteria {#criteria .section}",
        "Transaction Events Captured {#transactionEvents .section}",
        "Key Report Fields {#fieldDefinitions .section}",
        "Usage Notes {#usageNotes .section}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_transactionReports.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_userRoles_assign.md:chunk-0",
      "title": "Managing User Roles for Surety Companies {#surety_sc_userRoles_maintain .task}",
      "content": "# Managing User Roles for Surety Companies \n\nAccount Administrators maintain Organization Users’ roles over time to keep access aligned with job duties. This task shows how to review, update, and revoke role assignments in NMLS.\n\nSurety company users can hold multiple roles \\(for example, **Manage Associations**, **Manage Bonds**, **Manage and Sign Bonds**, **Manage Surety Company Profile**, **View Confidential Information**, and **Manage Reports**\\). Periodically review assignments to uphold least-privilege access and regulatory expectations.\n\n**Tip:** Signature authority derives from role assignment \\(**Manage and Sign Bonds**\\) and, when relevant, representative designation within an association. Representative settings are maintained on association screens.\n\n1.  Sign in to NMLS as an **Account Administrator**.\n\n2.  Open the Organization Users area to view your company’s user list.\n\n    **Note:** Use available list controls \\(for example, filters or search\\) to locate the user you need to update.\n\n3.  Select a user and choose **Edit** to review current role assignments.\n\n4.  Adjust role check boxes to reflect the user’s current responsibilities.\n\n    -   Grant **Manage and Sign Bonds** only to staff who must execute bonds or riders.\n    -   Use **Manage Associations** for staff who maintain associations and designate representatives.\n    -   Limit **View Confidential Information** \\(EIN visibility\\) to staff with a business need.\n5.  Select **Save** to apply updates.\n\n    **Note:** Role changes take effect immediately for the user’s next action in NMLS.\n\n6.  Revoke access when needed.\n\n    1.  To remove a specific permission, clear the corresponding role check box and select **Save**.\n\n    2.  To suspend a user’s access, use the available user status control \\(for example, **Deactivate**\\) in the Organization Users area.\n\n        **Note:** Use the corresponding control \\(for example, **Reactivate**\\) if access should be restored later.\n\n7.  Update representative ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_userRoles_assign.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_userRoles_assign.md",
      "headings": [
        "Managing User Roles for Surety Companies {#surety_sc_userRoles_maintain .task}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_userRoles_assign.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_userRoles_assign.md:chunk-1",
      "title": "Managing User Roles for Surety Companies {#surety_sc_userRoles_maintain .task}",
      "content": "ample, **Deactivate**\\) in the Organization Users area.\n\n        **Note:** Use the corresponding control \\(for example, **Reactivate**\\) if access should be restored later.\n\n7.  Update representative settings, if applicable, from the association screens.\n\n    **Note:** Representative designation \\(Attorney-in-Fact\\) is maintained within the association record and is required for signing where an association is involved.\n\n-   Review users with **Manage and Sign Bonds** monthly or whenever staffing changes occur.\n-   Confirm that users performing association maintenance retain **Manage Associations** only while needed.\n-   Use available reporting to review activity by user and role as appropriate for your company’s internal controls.\n\n**Parent topic:**Surety Company Account Administration",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_userRoles_assign.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyComp_userRoles_assign.md",
      "headings": [
        "Managing User Roles for Surety Companies {#surety_sc_userRoles_maintain .task}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyComp_userRoles_assign.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyCompany_NMLSnavigation.md:chunk-0",
      "title": "NMLS Navigation for Surety Companies {#surety_sc_navigation_overview .concept}",
      "content": "# NMLS Navigation for Surety Companies \n\nSurety companies access Electronic Surety Bond \\(ESB\\) functions and related reporting through key areas of the NMLS interface, including the Home tab, Dashboard, Tasks tab, and Composite View.\n\nSurety company users interact with NMLS primarily through a set of interface areas that organize ESB data, tasks, and administrative functions. The **Surety Company Dashboard** summarizes bond activity and pending actions specific to the user’s company and underwriting entities.\n\n**Main navigation areas**\n\n-   **Home tab:** Landing area that displays the Surety Company Dashboard and other system announcements or notices. Users can navigate from here to key ESB work areas.\n-   **Dashboard:** Provides a consolidated summary of active bonds, pending actions, and form updates. From each section, users can select linked counts to open detailed bond records in the Managed Bonds page.\n-   **Tasks tab:** Contains operational menus for creating, managing, and revising associations and bonds. Most ESB workflow actions originate from this tab.\n-   **Composite View:** Displays detailed information about surety bond producers, underwriting companies, and active associations. Users can verify entity authorizations and representative details here.\n-   **Reports tab:** Allows authorized users to generate or view standard NMLS reports related to ESB activity, such as bond volume and status summaries.\n\n**Accessing ESB functions**\n\nFrom the Dashboard or Tasks tab, users can perform core ESB activities, including:\n\n-   Creating and managing associations with surety bond producers\n-   Initiating and managing Electronic Surety Bonds \\(ESBs\\)\n-   Viewing bonds pending representative signature or revision\n-   Reviewing returned bonds and riders\n-   Tracking bond statuses, cancellations, and renewals\n\n**Note:** Role permissions determine which navigation options appear in each user’s interface. For example, users assigned the **Manage Bonds** or **Manage and ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyCompany_NMLSnavigation.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyCompany_NMLSnavigation.md",
      "headings": [
        "NMLS Navigation for Surety Companies {#surety_sc_navigation_overview .concept}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyCompany_NMLSnavigation.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyCompany_NMLSnavigation.md:chunk-1",
      "title": "NMLS Navigation for Surety Companies {#surety_sc_navigation_overview .concept}",
      "content": " statuses, cancellations, and renewals\n\n**Note:** Role permissions determine which navigation options appear in each user’s interface. For example, users assigned the **Manage Bonds** or **Manage and Sign Bonds** roles can access bond-level actions that may not be visible to other user types.\n\n**Surety Company Dashboard**\n\nThe Surety Company Dashboard is the primary workspace for users to monitor ESB-related activity. It displays live bond counts and provides direct links to detail pages for active bonds, pending actions, and revisions. For a detailed description of each dashboard section, see Surety Company Dashboard.\n\n-   **Surety Company Dashboard**  \nThe Surety Company Dashboard summarizes Electronic Surety Bond \\(ESB\\) activity for all underwriting companies within the surety company. Each section displays live bond counts and links to detailed bond records in NMLS.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyCompany_NMLSnavigation.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyCompany_NMLSnavigation.md",
      "headings": [
        "NMLS Navigation for Surety Companies {#surety_sc_navigation_overview .concept}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyCompany_NMLSnavigation.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyCompany_acctAdmin.md:chunk-0",
      "title": "Surety Company Account Administration {#surety_sc_accountAdmin_overview .concept}",
      "content": "# Surety Company Account Administration \n\nThis section provides a high-level orientation to how surety companies manage NMLS access for their organization, including account creation, user roles, and ongoing role administration.\n\nAccount administration for surety companies in NMLS focuses on establishing your company’s presence in the System, assigning appropriate user access, and maintaining those permissions as people and responsibilities change. These activities enable your organization to support Electronic Surety Bond \\(ESB\\) work while protecting data integrity and meeting regulator expectations.\n\n## Who should use this section { .section}\n\nCompany administrators and operations leads at surety companies who are responsible for setting up the company in NMLS, creating users, and assigning or updating user roles that support ESB activities.\n\n## What this section covers { .section}\n\n-   **NMLS account creation for surety companies:** Establishing the company profile and initial administrator access so your organization can operate in NMLS.\n-   **User roles for surety companies:** Understanding the available role types for ESB work and how they relate to day-to-day responsibilities.\n-   **Managing user roles:** Adding users, assigning roles, updating or revoking access, and maintaining least-privilege practices over time.\n-   **Roles and responsibilities:** A shared overview with the Surety Bond Producer guide that clarifies responsibilities among licensees, surety companies, bond producers, and regulators for ESB processes.\n\n## Prerequisites and related context { .section}\n\n-   The licensee must grant authority in NMLS to the surety entity \\(surety company and/or surety bond producer\\) before ESB actions can be performed on the licensee’s behalf.\n-   ESB currently applies to company bonds adopted by states for electronic processing in NMLS. See the Electronic Surety Bonds page on the NMLS State Resource Center for more information.\n\n## Good practices for administ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyCompany_acctAdmin.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyCompany_acctAdmin.md",
      "headings": [
        "Surety Company Account Administration {#surety_sc_accountAdmin_overview .concept}",
        "Who should use this section { .section}",
        "What this section covers { .section}",
        "Prerequisites and related context { .section}",
        "Good practices for administrators { .section}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyCompany_acctAdmin.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyCompany_acctAdmin.md:chunk-1",
      "title": "Surety Company Account Administration {#surety_sc_accountAdmin_overview .concept}",
      "content": "plies to company bonds adopted by states for electronic processing in NMLS. See the Electronic Surety Bonds page on the NMLS State Resource Center for more information.\n\n## Good practices for administrators { .section}\n\n-   Use least-privilege role assignments aligned to staff duties; review role assignments on a regular cadence.\n-   Deactivate or update user access promptly when personnel or responsibilities change.\n-   Coordinate internally with any associated surety bond producers to ensure appropriate execution authority and visibility for ESB work.\n\n-   **NMLS Account Creation for Surety Companies**  \nEstablishing an NMLS account for a surety company involves completing a two-part request process: the Surety Company Limited Account Request and the Surety Company Full Entity Request.\n-   **Roles and Responsibilities with NMLS Electronic Surety Bonds**  \nSurety companies and surety bond producers each have specific responsibilities and user roles in NMLS that define how they manage Electronic Surety Bond \\(ESB\\) activities. This topic explains those responsibilities and summarizes the system roles available to each entity type.\n-   **NMLS User Roles for Surety Companies**  \nAccount Administrators assign and maintain user roles for their surety company’s Organization Users in NMLS. Users may hold multiple roles. Changes take effect immediately.\n-   **Managing User Roles for Surety Companies**  \nAccount Administrators maintain Organization Users’ roles over time to keep access aligned with job duties. This task shows how to review, update, and revoke role assignments in NMLS.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyCompany_acctAdmin.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyCompany_acctAdmin.md",
      "headings": [
        "Surety Company Account Administration {#surety_sc_accountAdmin_overview .concept}",
        "Who should use this section { .section}",
        "What this section covers { .section}",
        "Prerequisites and related context { .section}",
        "Good practices for administrators { .section}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyCompany_acctAdmin.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyCompany_associations_manage.md:chunk-0",
      "title": "Managing Associations for Surety Companies {#surety_sc_manageAssociations_overview .concept}",
      "content": "# Managing Associations for Surety Companies \n\nSurety companies use NMLS to manage associations with surety bond producers. These associations define execution authority and representative relationships that allow producers to create and execute Electronic Surety Bonds \\(ESBs\\) on behalf of the surety company.\n\nManaging associations is a core function for surety companies participating in the Electronic Surety Bond \\(ESB\\) process. An association links a surety company or its underwriting company with a surety bond producer, establishing who is authorized to execute and deliver ESBs on the company’s behalf. Accurate association data ensures that bond execution aligns with regulator-approved authorities and limits.\n\n## Purpose of association management { .section}\n\nEach association in NMLS identifies the parties authorized to create and execute bonds, the states in which they are permitted to operate, and any bond limits that apply. Associations also specify which representatives \\(Attorneys-in-Fact\\) have authority to sign bonds for the surety company. These relationships form the foundation for all ESB activity between surety companies and bond producers.\n\nThe shared topic *Purpose of Associations in NMLS Electronic Surety Bonds* provides more information about how associations support ESB operations for both surety companies and surety bond producers.\n\n## Responsibilities of surety companies { .section}\n\n-   Initiate association requests with surety bond producers.\n-   Define execution authority, authorized states, bond limits, and representatives during the request process.\n-   Revise or remove associations as business relationships or authorizations change.\n-   Maintain representative information and limits within the association record.\n-   Use XML batch upload functionality to create multiple associations simultaneously when supported by internal systems.\n-   Review and correct validation errors identified during association upload or processing.\n\n## What this",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyCompany_associations_manage.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyCompany_associations_manage.md",
      "headings": [
        "Managing Associations for Surety Companies {#surety_sc_manageAssociations_overview .concept}",
        "Purpose of association management { .section}",
        "Responsibilities of surety companies { .section}",
        "What this section covers { .section}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyCompany_associations_manage.html",
      "snippet": null
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    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyCompany_associations_manage.md:chunk-1",
      "title": "Managing Associations for Surety Companies {#surety_sc_manageAssociations_overview .concept}",
      "content": "ctionality to create multiple associations simultaneously when supported by internal systems.\n-   Review and correct validation errors identified during association upload or processing.\n\n## What this section covers { .section}\n\n-   **Purpose of Associations in NMLS Electronic Surety Bonds** — shared concept explaining why associations exist and how they enable ESB execution.\n-   **Creating an Association Request \\(Surety Company Perspective\\)** — steps to initiate and submit association requests in NMLS.\n-   **Removing or Revising Associations** — how to update or end existing associations.\n-   **Batch Uploading Associations Using XML** — how to upload and validate multiple association requests using an XML file.\n-   **Handling Errors with Associations** — how to review and resolve validation or processing errors.\n\n**Tip:** Keep association data synchronized with the company’s internal records and regulatory authorizations. Accurate, current associations ensure only authorized producers and representatives can execute ESBs on the company’s behalf.\n\n-   **Purpose of Associations in NMLS Electronic Surety Bonds**  \nAssociations in NMLS establish the formal relationship between a surety company and a surety bond producer, authorizing the producer to create and execute Electronic Surety Bonds \\(ESBs\\) on behalf of the surety company.\n-   **Creating an Association Request \\(Surety Company Perspective\\)**  \nSurety companies initiate association requests in NMLS to establish formal relationships with surety bond producers. An approved association allows the producer to execute Electronic Surety Bonds \\(ESBs\\) on behalf of the surety company.\n-   **Removing or Revising Associations**  \nSurety companies and surety bond producers can revise or remove existing associations in NMLS when business relationships, execution authority, or authorized states and representatives change.\n-   **Batch Uploading Associations Using XML**  \nSurety companies can create multiple association r",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyCompany_associations_manage.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyCompany_associations_manage.md",
      "headings": [
        "Managing Associations for Surety Companies {#surety_sc_manageAssociations_overview .concept}",
        "Purpose of association management { .section}",
        "Responsibilities of surety companies { .section}",
        "What this section covers { .section}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyCompany_associations_manage.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyCompany_associations_manage.md:chunk-2",
      "title": "Managing Associations for Surety Companies {#surety_sc_manageAssociations_overview .concept}",
      "content": "S when business relationships, execution authority, or authorized states and representatives change.\n-   **Batch Uploading Associations Using XML**  \nSurety companies can create multiple association requests simultaneously by uploading a properly formatted XML file that conforms to the Surety Company Association Upload Specification.\n-   **Handling Errors with Associations**  \nDuring association creation, revision, or XML batch upload, validation or processing errors may occur. This topic lists common error messages, explains why they appear, and describes how surety companies and surety bond producers can resolve them.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyCompany_associations_manage.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyCompany_associations_manage.md",
      "headings": [
        "Managing Associations for Surety Companies {#surety_sc_manageAssociations_overview .concept}",
        "Purpose of association management { .section}",
        "Responsibilities of surety companies { .section}",
        "What this section covers { .section}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyCompany_associations_manage.html",
      "snippet": null
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    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyCompany_bondManagement.md:chunk-0",
      "title": "Bond Management for Surety Companies {#surety_sc_bondManagement_overview .concept}",
      "content": "# Bond Management for Surety Companies \n\nSurety companies use NMLS to create, execute, manage, and maintain Electronic Surety Bonds \\(ESBs\\) throughout their lifecycle. This section describes the actions and responsibilities involved in managing bonds electronically within NMLS.\n\nBond management in NMLS encompasses all activities a surety company performs to support the Electronic Surety Bond \\(ESB\\) lifecycle. These activities include bond creation and execution, conversion of paper bonds, issuing riders or endorsements, managing cancellations, responding to regulator returns, and completing renewals and updates. Each action ensures that bond data within NMLS remains current and accurately reflects active regulatory obligations.\n\n**Overview of surety company bond responsibilities**\n\n-   Create new ESBs in collaboration with the associated surety bond producer.\n-   Execute and deliver ESBs to the appropriate regulator once all required signatures are complete.\n-   Manage riders, cancellations, and revisions throughout the life of the bond.\n-   Respond promptly to regulator returns or corrections.\n-   Maintain data integrity for bond numbering, active status, and renewal tracking.\n\n**Surety company and bond producer collaboration**\n\nMost ESB actions in NMLS require coordinated activity between a surety company and a surety bond producer. For example, a producer may draft or edit a bond that the surety company must review and execute before submission to the regulator. Similarly, both parties are notified when a bond is returned, canceled, or renewed.\n\n**Note:** Because ESB records are shared between the surety company, surety bond producer, and regulator, all parties see status changes in real time. This transparency helps prevent duplicate submissions and ensures data consistency across entities.\n\nUse the links in the left Table of Contents to find the topics related to bond management in this guide.\n\n**Note:** Only surety company users have access to administrative",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyCompany_bondManagement.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyCompany_bondManagement.md",
      "headings": [
        "Bond Management for Surety Companies {#surety_sc_bondManagement_overview .concept}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyCompany_bondManagement.html",
      "snippet": null
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    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyCompany_bondManagement.md:chunk-1",
      "title": "Bond Management for Surety Companies {#surety_sc_bondManagement_overview .concept}",
      "content": "onsistency across entities.\n\nUse the links in the left Table of Contents to find the topics related to bond management in this guide.\n\n**Note:** Only surety company users have access to administrative processes such as handling special bond cases and managing bond number reuse. These topics appear exclusively in the Surety Company Guide.\n\n-   **Bond Creation and Execution for Surety Companies**  \nSurety companies create and execute Electronic Surety Bonds \\(ESBs\\) in NMLS to satisfy regulator bonding requirements for licensees. This topic provides an overview of the bond creation and execution process from the surety company perspective.\n-   **Converting Paper Bonds to Electronic Surety Bonds \\(ESBs\\)**  \nSurety companies and surety bond producers can convert paper-issued bonds into Electronic Surety Bonds \\(ESBs\\) in NMLS so that existing obligations appear in the regulator’s electronic bond inventory.\n-   **Riders and Endorsements for Electronic Surety Bonds \\(ESBs\\)**  \nRiders and endorsements modify existing Electronic Surety Bonds \\(ESBs\\) in NMLS. They are used to update, extend, or clarify bond terms without replacing the original bond.\n-   **Canceling, Returning, or Voiding an Electronic Surety Bond \\(ESB\\)**  \nSurety companies and surety bond producers can cancel, return, or void Electronic Surety Bonds \\(ESBs\\) in NMLS when a bond is no longer valid, requires correction, or must be withdrawn from regulatory consideration.\n-   **Changing the Broker of Record for an Electronic Surety Bond \\(ESB\\)**  \nThe Broker of Record \\(BOR\\) change process in NMLS allows a bond to be transferred from one surety bond producer to another while maintaining its active status and association with the surety company and regulator.\n-   **Special Cases for Electronic Surety Bonds \\(ESBs\\) in NMLS**  \nOverview of exceptions to the standard ESB workflow in NMLS, including returned bonds, bond form version upgrades, and Revised Form Bond requirements. Applies to both Surety Compani",
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      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyCompany_bondManagement.md",
      "headings": [
        "Bond Management for Surety Companies {#surety_sc_bondManagement_overview .concept}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyCompany_bondManagement.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyCompany_bondManagement.md:chunk-2",
      "title": "Bond Management for Surety Companies {#surety_sc_bondManagement_overview .concept}",
      "content": "ESBs\\) in NMLS**  \nOverview of exceptions to the standard ESB workflow in NMLS, including returned bonds, bond form version upgrades, and Revised Form Bond requirements. Applies to both Surety Companies and Surety Bond Producers.\n-   **Editing Pending Electronic Surety Bonds \\(ESBs\\)**  \nDescribes how a Surety Company or Surety Bond Producer can edit a bond in a pending or returned status before resubmitting it for execution in NMLS.\n-   **Attesting to Surety Entity Information During the Annual Renewals Period**  \nExplains how a Surety Company or other surety entity completes the annual NMLS attestation confirming that its organization information is accurate during the renewals period from November 1 through December 31.\n-   **Handling Regulator Returns for Electronic Surety Bonds \\(ESBs\\)**  \nExplains how Surety Companies and Surety Bond Producers review, correct, and resubmit a bond that a regulator has returned to surety in NMLS.\n-   **Reusing Electronic Surety Bond \\(ESB\\) Numbers in NMLS**  \nExplains when and how a previously used bond number can be reused in NMLS after a returned bond has been voided.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyCompany_bondManagement.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyCompany_bondManagement.md",
      "headings": [
        "Bond Management for Surety Companies {#surety_sc_bondManagement_overview .concept}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyCompany_bondManagement.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyCompany_reportingOversight.md:chunk-0",
      "title": "Reporting and Oversight for Surety Companies {#esb_reportingOversightOverview .concept}",
      "content": "# Reporting and Oversight for Surety Companies \n\nIntroduces reporting and notification tools that allow Surety Companies to monitor electronic surety bond \\(ESB\\) activity, reconcile data with internal systems, and stay informed about NMLS events.\n\nSurety Companies can access several NMLS tools that support oversight and recordkeeping for their electronic surety bond \\(ESB\\) activity. These include downloadable reports containing detailed bond data and automated notifications that alert users when key events occur. Together, these resources provide transparency and ensure consistency between NMLS and the organization’s internal surety management systems.\n\nThe reports available through the Reports tab in NMLS allow Surety Companies to view transaction history, confirm bond statuses, and export data for reconciliation. Standard report definitions and field details are documented in the following references:\n\n-   Surety Bond Transaction Report for Surety Companies\n-   Surety Company Report Field Definitions\n\nAutomated notifications are also distributed to Surety Companies and other authorized entities when bond status changes occur. These notifications help organizations respond promptly to regulatory returns, cancellations, and other updates.\n\nThe topics in this section describe how these oversight tools work and how Surety Companies can use them effectively.\n\n-   Surety Company Transaction Reports — defines the Surety Bond Transaction Report and its filters, fields, and event types.\n-   Reconciling ESB Data with Internal Systems — explains how to use the Surety Bond Roster and field definitions to match NMLS data to internal surety records.\n-   Surety Entity Notifications and Subscriptions — lists automated system messages shared with Surety Bond Producers and Surety Companies.\n\n**Note:** Report formats and field names may change with future NMLS releases. Always consult the latest version of the report field definitions and specifications for accurate data mapping.\n",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyCompany_reportingOversight.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyCompany_reportingOversight.md",
      "headings": [
        "Reporting and Oversight for Surety Companies {#esb_reportingOversightOverview .concept}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyCompany_reportingOversight.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyCompany_reportingOversight.md:chunk-1",
      "title": "Reporting and Oversight for Surety Companies {#esb_reportingOversightOverview .concept}",
      "content": "panies.\n\n**Note:** Report formats and field names may change with future NMLS releases. Always consult the latest version of the report field definitions and specifications for accurate data mapping.\n\n-   **Surety Company Transaction Reports**  \nDescribes the Surety Bond Transaction Report available to Surety Companies in NMLS, including the filter criteria, event types, and field definitions contained in the report.\n-   **Reconciling ESB Data with Internal Systems**  \nExplains how Surety Companies can use NMLS reports and data exports to align electronic surety bond \\(ESB\\) information with their internal policy, accounting, or compliance systems.\n-   **Surety Entity Notifications and Subscriptions**  \nLists automated NMLS notifications and email alerts distributed to Surety Companies, Surety Bond Producers, Principals, and designated individuals when electronic surety bond \\(ESB\\) events occur.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyCompany_reportingOversight.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyCompany_reportingOversight.md",
      "headings": [
        "Reporting and Oversight for Surety Companies {#esb_reportingOversightOverview .concept}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyCompany_reportingOversight.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyCompany_troubleshootingErrorHandling.md:chunk-0",
      "title": "Troubleshooting and Error Handling for Electronic Surety Bonds \\(ESBs\\) {#esb_troubleshootingOverview .concept}",
      "content": "# Troubleshooting and Error Handling for Electronic Surety Bonds \\(ESBs\\) \n\nIntroduces the error and warning messages that may occur during electronic surety bond \\(ESB\\) activities in NMLS and describes where to find related resolutions.\n\nElectronic surety bond \\(ESB\\) signing and management actions in NMLS include system validations that may produce error or warning messages. These messages help users identify missing information, authorization issues, or incorrect configurations that prevent a bond or rider from being signed or submitted.\n\nThe topics in this section describe the most common issues that Surety Companies, Surety Bond Producers, and State Licensees may encounter, and provide the exact resolutions needed to proceed with ESB transactions.\n\n-   Bond Signature Errors — identifies and explains system error messages that appear during bond signing.\n-   State Licensee Warning Messages — lists warnings related to MU2 control person signatories.\n-   Resolutions for Common ESB Errors and Warnings— summarizes corrective actions for resolving each issue.\n\n**Note:** For issues not covered in these topics or for persistent system errors, contact the NMLS Call Center at 1-855-NMLS-123 \\(1-855-665-7123\\).\n\n-   **Bond Signature Errors**  \nLists and explains system error messages that may appear when Surety Companies or Surety Bond Producers attempt to sign an electronic surety bond \\(ESB\\) in NMLS, along with their reasons and resolutions.\n-   **State Licensee Warning Messages**  \nLists and explains system warning messages that may appear when a state licensee manages or signs an electronic surety bond \\(ESB\\) in NMLS.\n-   **Resolutions for Common ESB Errors and Warnings**  \nProvides corrective actions for common electronic surety bond \\(ESB\\) error and warning messages encountered by Surety Companies, Surety Bond Producers, and State Licensees in NMLS.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyCompany_troubleshootingErrorHandling.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyCompany_troubleshootingErrorHandling.md",
      "headings": [
        "Troubleshooting and Error Handling for Electronic Surety Bonds \\(ESBs\\) {#esb_troubleshootingOverview .concept}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyCompany_troubleshootingErrorHandling.html",
      "snippet": null
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    {
      "id": "maps/NMLS/surety/suretyCompany/maps/topics/suretyCompany_troubleshootingErrorHandling_2.md:chunk-0",
      "title": "Troubleshooting and Error Handling for Electronic Surety Bonds \\(ESBs\\) {#esb_troubleshootingOverview .concept}",
      "content": "# Troubleshooting and Error Handling for Electronic Surety Bonds \\(ESBs\\) \n\nIntroduces the error and warning messages that may occur during electronic surety bond \\(ESB\\) activities in NMLS and describes where to find related resolutions.\n\nElectronic surety bond \\(ESB\\) signing and management actions in NMLS include system validations that may produce error or warning messages. These messages help users identify missing information, authorization issues, or incorrect configurations that prevent a bond or rider from being signed or submitted.\n\nThe topics in this section describe the most common issues that Surety Companies, Surety Bond Producers, and State Licensees may encounter, and provide the exact resolutions needed to proceed with ESB transactions.\n\n-   Bond Signature Errors — identifies and explains system error messages that appear during bond signing.\n-   State Licensee Warning Messages — lists warnings related to MU2 control person signatories.\n-   Resolutions for Common ESB Errors and Warnings— summarizes corrective actions for resolving each issue.\n\n**Note:** For issues not covered in these topics or for persistent system errors, contact the NMLS Call Center at 1-855-NMLS-123 \\(1-855-665-7123\\).\n\n-   **Bond Signature Errors**  \nLists and explains system error messages that may appear when Surety Companies or Surety Bond Producers attempt to sign an electronic surety bond \\(ESB\\) in NMLS, along with their reasons and resolutions.\n-   **State Licensee Warning Messages**  \nLists and explains system warning messages that may appear when a state licensee manages or signs an electronic surety bond \\(ESB\\) in NMLS.\n-   **Resolutions for Common ESB Errors and Warnings**  \nProvides corrective actions for common electronic surety bond \\(ESB\\) error and warning messages encountered by Surety Companies, Surety Bond Producers, and State Licensees in NMLS.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyCompany_troubleshootingErrorHandling_2.md",
      "relative_path": "maps\\NMLS\\surety\\suretyCompany\\maps\\topics\\suretyCompany_troubleshootingErrorHandling_2.md",
      "headings": [
        "Troubleshooting and Error Handling for Electronic Surety Bonds \\(ESBs\\) {#esb_troubleshootingOverview .concept}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyCompany/maps/topics/suretyCompany_troubleshootingErrorHandling_2.html",
      "snippet": null
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    {
      "id": "maps/NMLS/surety/suretyProducer/maps/topics/suretyProducer_NMLSaccountCreation.md:chunk-0",
      "title": "NMLS Account Creation for Surety Bond Producers {#surety_sbp_accountCreation .task}",
      "content": "# NMLS Account Creation for Surety Bond Producers \n\nEstablishing an NMLS account for a surety bond producer involves completing and submitting the online Surety Bond Producer Account Request Form, including contact information, administrator assignments, and required documentation.\n\nSurety bond producer accounts in NMLS are created through submission of the Surety Bond Producer Account Request Form, which is reviewed and validated by the NMLS Operations team. The form collects identifying company information, contact details, account administrators, and documentation to confirm the entity’s authority to conduct surety business.\n\nThe person completing the request must have legal authority to act on behalf of the company and must attest that all information provided is accurate. If unsure who should complete the form, coordinate internally with your company’s leadership or legal counsel.\n\n1.  Access the Surety Bond Producer Account Request form.\n\n    1.  Enter the displayed security letters and numbers, then select **Next**.\n\n    2.  Complete all required fields, including your company’s **Full Legal Name**, **National Producer Number \\(NPN\\)**, **Employer Identification Number \\(EIN\\)**, and headquarters address.\n\n    3.  Provide contact details for both the **Primary Contact** and **Secondary Contact**, who must be authorized to receive and distribute all communications regarding the company and its representatives.\n\n    4.  Identify two **Account Administrators** responsible for maintaining the organization’s NMLS record and managing user access.\n\n    5.  Select each state in which your company is authorized to issue bonds under State Authorizations.\n\n2.  Attach required formation and authorization documents.\n\n    1.  Click **Choose File** to upload documentation as a single merged PDF \\(not password protected, maximum 8 MB\\).\n\n    2.  Include the following in your submission:\n\n        -   Corporate Charter, Articles of Incorporation, or Partnership Agreement\n     ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyProducer\\maps\\topics\\suretyProducer_NMLSaccountCreation.md",
      "relative_path": "maps\\NMLS\\surety\\suretyProducer\\maps\\topics\\suretyProducer_NMLSaccountCreation.md",
      "headings": [
        "NMLS Account Creation for Surety Bond Producers {#surety_sbp_accountCreation .task}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyProducer/maps/topics/suretyProducer_NMLSaccountCreation.html",
      "snippet": null
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    {
      "id": "maps/NMLS/surety/suretyProducer/maps/topics/suretyProducer_NMLSaccountCreation.md:chunk-1",
      "title": "NMLS Account Creation for Surety Bond Producers {#surety_sbp_accountCreation .task}",
      "content": "single merged PDF \\(not password protected, maximum 8 MB\\).\n\n    2.  Include the following in your submission:\n\n        -   Corporate Charter, Articles of Incorporation, or Partnership Agreement\n        -   Certificate of Authority or Good Standing issued by the Secretary of State \\(within 60 days\\)\n        -   IRS EIN Verification Letter \\(Form SS-4 or 147C\\)\n    3.  Refer to the Surety Bond Producer Account Request and State Authorizations Form for detailed document requirements.\n\n3.  Review and submit the completed form.\n\n    1.  Verify all entries, ensuring the NPN and EIN are correct. These fields cannot be edited once the record is created.\n\n    2.  Review the attestation, confirm authorization, and select the check box acknowledging that all information is true and accurate.\n\n    3.  Select **Submit** to send your request to NMLS for validation.\n\n        **Note:** Submission errors will display in red and must be resolved before the form can be submitted.\n\n4.  Monitor for confirmation from NMLS.\n\n    1.  Within five to seven business days, Account Administrators will receive an email from **NMLS\\_Notifications@NMLSNotifications.com** confirming approval, a request for correction, or rejection.\n\n    2.  Upon approval, Account Administrators will receive separate emails containing their **username** and **temporary password**.\n\n    3.  Log in to NMLS using these credentials to complete setup and designate company representatives as needed.\n\n        **Note:** Maintain usernames and passwords in a secure location for future NMLS access.\n\n**Parent topic:**Surety Bond Producer Account Administration",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyProducer\\maps\\topics\\suretyProducer_NMLSaccountCreation.md",
      "relative_path": "maps\\NMLS\\surety\\suretyProducer\\maps\\topics\\suretyProducer_NMLSaccountCreation.md",
      "headings": [
        "NMLS Account Creation for Surety Bond Producers {#surety_sbp_accountCreation .task}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyProducer/maps/topics/suretyProducer_NMLSaccountCreation.html",
      "snippet": null
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    {
      "id": "maps/NMLS/surety/suretyProducer/maps/topics/suretyProducer_NMLSforms.md:chunk-0",
      "title": "NMLS Forms for Surety Bond Producers {#xd_968510875a2fbf0d-1eb84c62-199fcebe86f--7fe2 .concept}",
      "content": "# NMLS Forms for Surety Bond Producers",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyProducer\\maps\\topics\\suretyProducer_NMLSforms.md",
      "relative_path": "maps\\NMLS\\surety\\suretyProducer\\maps\\topics\\suretyProducer_NMLSforms.md",
      "headings": [
        "NMLS Forms for Surety Bond Producers {#xd_968510875a2fbf0d-1eb84c62-199fcebe86f--7fe2 .concept}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyProducer/maps/topics/suretyProducer_NMLSforms.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyProducer/maps/topics/suretyProducer_acceptingAssociations.md:chunk-0",
      "title": "Accepting an Association Request \\(Surety Bond Producer Perspective\\) {#surety_sbp_association_accept .task}",
      "content": "# Accepting an Association Request \\(Surety Bond Producer Perspective\\) \n\nSurety bond producers use NMLS to review and act on association requests initiated by surety companies. This task explains how to approve, reject, or request corrections for association requests.\n\nWhen a surety company initiates an association request, the surety bond producer must review the details and take one of three actions: approve, reject, or request a correction. An approved association allows the producer to begin managing bonds for that company in NMLS, while rejection or correction requests are returned to the company for follow-up.\n\n**Note:** Only users with the **Manage Associations and Representatives** role can act on association requests.\n\n1.  Sign in to NMLS as an **Account Administrator** or **Organization User** with appropriate access.\n\n2.  From the NMLS Home page, select the Tasks tab.\n\n3.  Select Company Associations from the submenu.\n\n4.  In the left navigation panel, select Association Requests.\n\n5.  Click the **Manage** button next to the surety company whose request you want to review.\n\n    **Note:** The Manage Existing Association page displays the surety company’s information, authorized states, bond limits, representative details, and any additional comments provided with the request.\n\n6.  Review all association request details carefully.\n\n    -   Confirm the surety company name, NAIC ID, and authorized states.\n    -   Review proposed bond limits and representative information.\n    -   Read any comments provided by the surety company before making a decision.\n7.  Take one of the following actions:\n\n    1.  **Approve** — Select the **Approve** button to accept the association.\n\n        **Note:** You may enter an optional approval comment before confirming. Review the attestation, check the confirmation box, and select **Approve** again to complete the process.\n\n    2.  **Request Correction** — Select **Request Correction** to return the request to the surety compan",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyProducer\\maps\\topics\\suretyProducer_acceptingAssociations.md",
      "relative_path": "maps\\NMLS\\surety\\suretyProducer\\maps\\topics\\suretyProducer_acceptingAssociations.md",
      "headings": [
        "Accepting an Association Request \\(Surety Bond Producer Perspective\\) {#surety_sbp_association_accept .task}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyProducer/maps/topics/suretyProducer_acceptingAssociations.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyProducer/maps/topics/suretyProducer_acceptingAssociations.md:chunk-1",
      "title": "Accepting an Association Request \\(Surety Bond Producer Perspective\\) {#surety_sbp_association_accept .task}",
      "content": "ttestation, check the confirmation box, and select **Approve** again to complete the process.\n\n    2.  **Request Correction** — Select **Request Correction** to return the request to the surety company for updates.\n\n        **Note:** Enter a clear reason for the correction in the Reason for Correction comment field and select **Request Correction** again to submit.\n\n    3.  **Reject** — Select **Reject** if the association request is invalid or not accepted.\n\n        **Note:** Provide a reason for rejection in the Reason for Rejection comment field, then select **Reject** to finalize the response.\n\n8.  Verify the association status.\n\n    **Note:** Approved associations appear under Current Associations in the Company Associations menu. Rejected or correction-requested associations remain listed under Association Requests until addressed by the surety company.\n\n-   Confirm that the newly approved association appears under Current Associations with the correct details.\n-   Notify relevant users or representatives within your organization once a new association is active.\n-   Review and update representative assignments for any new association as needed.\n\n**Parent topic:**Managing Associations for Surety Bond Producers",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyProducer\\maps\\topics\\suretyProducer_acceptingAssociations.md",
      "relative_path": "maps\\NMLS\\surety\\suretyProducer\\maps\\topics\\suretyProducer_acceptingAssociations.md",
      "headings": [
        "Accepting an Association Request \\(Surety Bond Producer Perspective\\) {#surety_sbp_association_accept .task}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyProducer/maps/topics/suretyProducer_acceptingAssociations.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyProducer/maps/topics/suretyProducer_accountAdmin.md:chunk-0",
      "title": "Surety Bond Producer Account Administration {#surety_sbp_accountAdmin_overview .concept}",
      "content": "# Surety Bond Producer Account Administration \n\nThis section provides a high-level orientation to how surety bond producers manage NMLS access for their organization, including account creation, user roles, and ongoing role administration.\n\nAccount administration for surety bond producers in NMLS focuses on establishing your organization’s user access, assigning appropriate roles, and maintaining those permissions as personnel and responsibilities change. These activities allow your organization to support Electronic Surety Bond \\(ESB\\) work while protecting data integrity and maintaining appropriate access for representatives and support staff.\n\n## Who should use this section { .section}\n\nAccount administrators and operations leads at surety bond producer organizations who are responsible for creating and managing user accounts, assigning user roles, and maintaining access related to ESB functionality in NMLS.\n\n## What this section covers { .section}\n\n-   **User account creation:** Establishing user logins and credentials for employees who will perform NMLS activities.\n-   **Roles and responsibilities:** A shared overview with the Surety Company Guide clarifying responsibilities among licensees, surety companies, bond producers, and regulators for ESB processes.\n-   **NMLS user roles:** Understanding and assigning appropriate NMLS roles to enable access to ESB functions.\n-   **Managing user roles:** Adding, updating, disabling, or deleting accounts and maintaining least-privilege access practices.\n\n## Prerequisites and related context { .section}\n\n-   The licensee must grant authority in NMLS to the surety entity \\(surety bond producer and/or surety company\\) before ESB actions can be performed on the licensee’s behalf.\n-   Account administrators must hold either the primary or secondary **Account Administrator** role within their organization to manage user access.\n-   Additional user and role details are described in the Surety Bond Producer User Types and Roles ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyProducer\\maps\\topics\\suretyProducer_accountAdmin.md",
      "relative_path": "maps\\NMLS\\surety\\suretyProducer\\maps\\topics\\suretyProducer_accountAdmin.md",
      "headings": [
        "Surety Bond Producer Account Administration {#surety_sbp_accountAdmin_overview .concept}",
        "Who should use this section { .section}",
        "What this section covers { .section}",
        "Prerequisites and related context { .section}",
        "Good practices for administrators { .section}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyProducer/maps/topics/suretyProducer_accountAdmin.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyProducer/maps/topics/suretyProducer_accountAdmin.md:chunk-1",
      "title": "Surety Bond Producer Account Administration {#surety_sbp_accountAdmin_overview .concept}",
      "content": "rimary or secondary **Account Administrator** role within their organization to manage user access.\n-   Additional user and role details are described in the Surety Bond Producer User Types and Roles documentation available on the NMLS Resource Center.\n-   ESB functionality applies only to company bonds adopted by state regulators for electronic processing in NMLS. See the Electronic Surety Bonds page on the NMLS Resource Center for more information.\n\n## Good practices for administrators { .section}\n\n-   Maintain two active Account Administrators \\(primary and secondary\\) to ensure continuity of access management responsibilities.\n-   Review user roles regularly and remove unnecessary access in accordance with least-privilege principles.\n-   Disable or delete user accounts promptly when personnel leave or no longer require access.\n-   Coordinate with associated surety companies to ensure proper visibility and signing authority for bond creation and management.\n-   Subscribe to applicable NMLS system notifications for account changes and ESB updates to stay informed of administrative actions or bond-related events.\n\n-   **NMLS Account Creation for Surety Bond Producers**  \nEstablishing an NMLS account for a surety bond producer involves completing and submitting the online Surety Bond Producer Account Request Form, including contact information, administrator assignments, and required documentation.\n-   **Roles and Responsibilities with NMLS Electronic Surety Bonds**  \nSurety companies and surety bond producers each have specific responsibilities and user roles in NMLS that define how they manage Electronic Surety Bond \\(ESB\\) activities. This topic explains those responsibilities and summarizes the system roles available to each entity type.\n-   **NMLS User Roles for Surety Bond Producers**  \nThis topic describes the NMLS user roles available to surety bond producers, including the responsibilities of Account Administrators, Organization Users, and Representatives.\n",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyProducer\\maps\\topics\\suretyProducer_accountAdmin.md",
      "relative_path": "maps\\NMLS\\surety\\suretyProducer\\maps\\topics\\suretyProducer_accountAdmin.md",
      "headings": [
        "Surety Bond Producer Account Administration {#surety_sbp_accountAdmin_overview .concept}",
        "Who should use this section { .section}",
        "What this section covers { .section}",
        "Prerequisites and related context { .section}",
        "Good practices for administrators { .section}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyProducer/maps/topics/suretyProducer_accountAdmin.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyProducer/maps/topics/suretyProducer_accountAdmin.md:chunk-2",
      "title": "Surety Bond Producer Account Administration {#surety_sbp_accountAdmin_overview .concept}",
      "content": "rety Bond Producers**  \nThis topic describes the NMLS user roles available to surety bond producers, including the responsibilities of Account Administrators, Organization Users, and Representatives.\n-   **Managing User Roles for Surety Bond Producers**  \nAccount Administrators maintain Organization Users’ roles to ensure access aligns with job responsibilities. This task explains how to review, update, and revoke role assignments in NMLS for surety bond producers.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyProducer\\maps\\topics\\suretyProducer_accountAdmin.md",
      "relative_path": "maps\\NMLS\\surety\\suretyProducer\\maps\\topics\\suretyProducer_accountAdmin.md",
      "headings": [
        "Surety Bond Producer Account Administration {#surety_sbp_accountAdmin_overview .concept}",
        "Who should use this section { .section}",
        "What this section covers { .section}",
        "Prerequisites and related context { .section}",
        "Good practices for administrators { .section}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyProducer/maps/topics/suretyProducer_accountAdmin.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyProducer/maps/topics/suretyProducer_associations_manage.md:chunk-0",
      "title": "Managing Associations for Surety Bond Producers {#surety_sbp_manageAssociations_overview .concept}",
      "content": "# Managing Associations for Surety Bond Producers \n\nSurety bond producers use NMLS to manage associations with surety companies. These associations define the producer’s authority to create and execute Electronic Surety Bonds \\(ESBs\\) on behalf of the surety company and maintain representative relationships required for bond execution.\n\nManaging associations is a key function for surety bond producers participating in the Electronic Surety Bond \\(ESB\\) process. An association links a surety bond producer with a surety company, establishing the relationship through which the producer can create and manage ESBs in NMLS. Producers are responsible for reviewing, maintaining, and responding to association requests initiated by surety companies.\n\n## Purpose of association management { .section}\n\nEach association identifies the relationship between a surety company and a surety bond producer, including which states are authorized for bonding, applicable bond limits, and the representatives \\(Attorneys-in-Fact\\) who can sign on behalf of the company. These associations ensure that only properly authorized producers and representatives can conduct ESB transactions in NMLS.\n\nThe shared topic *Purpose of Associations in NMLS Electronic Surety Bonds* provides more information about how associations support ESB operations for both surety companies and surety bond producers.\n\n## Responsibilities of surety bond producers { .section}\n\n-   Search for and view existing surety company associations using the Composite View tab.\n-   Review and act on association requests submitted by surety companies, including approving, rejecting, or requesting corrections.\n-   Request corrections to current association records when changes to execution authority, authorized states, or bond limits are required.\n-   Remove associations that are no longer active or valid.\n-   Maintain representative designations within association records to ensure proper bond-signing authority.\n\n**Note:** Producers mus",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyProducer\\maps\\topics\\suretyProducer_associations_manage.md",
      "relative_path": "maps\\NMLS\\surety\\suretyProducer\\maps\\topics\\suretyProducer_associations_manage.md",
      "headings": [
        "Managing Associations for Surety Bond Producers {#surety_sbp_manageAssociations_overview .concept}",
        "Purpose of association management { .section}",
        "Responsibilities of surety bond producers { .section}",
        "What this section covers { .section}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyProducer/maps/topics/suretyProducer_associations_manage.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyProducer/maps/topics/suretyProducer_associations_manage.md:chunk-1",
      "title": "Managing Associations for Surety Bond Producers {#surety_sbp_manageAssociations_overview .concept}",
      "content": "uired.\n-   Remove associations that are no longer active or valid.\n-   Maintain representative designations within association records to ensure proper bond-signing authority.\n\n**Note:** Producers must have an active association with a surety company to access that company’s NMLS record and participate in ESB activities.\n\n## What this section covers { .section}\n\n-   **Purpose of Associations in NMLS Electronic Surety Bonds** — shared concept explaining how associations enable ESB execution.\n-   **Accepting an Association Request \\(Surety Bond Producer Perspective\\)** — how to review and respond to association requests initiated by surety companies.\n-   **Requesting Corrections or Removing Associations** — how to revise or end associations as business relationships or authorizations change.\n-   **Viewing Associated Surety Companies** — how to search for and view surety company details and active associations in NMLS.\n\n**Tip:** Keep association data synchronized with the producer’s internal business records. Accurate, current association information ensures that only authorized relationships are reflected in NMLS and prevents errors during ESB creation or execution.\n\n-   **Purpose of Associations in NMLS Electronic Surety Bonds**  \nAssociations in NMLS establish the formal relationship between a surety company and a surety bond producer, authorizing the producer to create and execute Electronic Surety Bonds \\(ESBs\\) on behalf of the surety company.\n-   **Accepting an Association Request \\(Surety Bond Producer Perspective\\)**  \nSurety bond producers use NMLS to review and act on association requests initiated by surety companies. This task explains how to approve, reject, or request corrections for association requests.\n-   **Removing or Revising Associations**  \nSurety companies and surety bond producers can revise or remove existing associations in NMLS when business relationships, execution authority, or authorized states and representatives change.\n-   **Handling E",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyProducer\\maps\\topics\\suretyProducer_associations_manage.md",
      "relative_path": "maps\\NMLS\\surety\\suretyProducer\\maps\\topics\\suretyProducer_associations_manage.md",
      "headings": [
        "Managing Associations for Surety Bond Producers {#surety_sbp_manageAssociations_overview .concept}",
        "Purpose of association management { .section}",
        "Responsibilities of surety bond producers { .section}",
        "What this section covers { .section}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyProducer/maps/topics/suretyProducer_associations_manage.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyProducer/maps/topics/suretyProducer_associations_manage.md:chunk-2",
      "title": "Managing Associations for Surety Bond Producers {#surety_sbp_manageAssociations_overview .concept}",
      "content": "mpanies and surety bond producers can revise or remove existing associations in NMLS when business relationships, execution authority, or authorized states and representatives change.\n-   **Handling Errors with Associations**  \nDuring association creation, revision, or XML batch upload, validation or processing errors may occur. This topic lists common error messages, explains why they appear, and describes how surety companies and surety bond producers can resolve them.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyProducer\\maps\\topics\\suretyProducer_associations_manage.md",
      "relative_path": "maps\\NMLS\\surety\\suretyProducer\\maps\\topics\\suretyProducer_associations_manage.md",
      "headings": [
        "Managing Associations for Surety Bond Producers {#surety_sbp_manageAssociations_overview .concept}",
        "Purpose of association management { .section}",
        "Responsibilities of surety bond producers { .section}",
        "What this section covers { .section}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyProducer/maps/topics/suretyProducer_associations_manage.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyProducer/maps/topics/suretyProducer_bondManagement.md:chunk-0",
      "title": "Bond Management for Surety Bond Producers {#suretyProducer_bondManagement_overview .concept}",
      "content": "# Bond Management for Surety Bond Producers \n\nSurety bond producers use NMLS to create, manage, and maintain Electronic Surety Bonds \\(ESBs\\) in coordination with surety companies and licensees. This section describes the producer’s responsibilities and available tools for managing bonds electronically within NMLS.\n\nBond management in NMLS encompasses all activities a surety bond producer performs to support the Electronic Surety Bond \\(ESB\\) lifecycle on behalf of licensed companies. These activities include creating new bonds, issuing riders or endorsements, managing returned or revised bonds, and maintaining accurate bond data during annual renewals. Each action helps ensure that information shared among the licensee, surety company, and regulator remains consistent and up to date.\n\n**Overview of surety bond producer responsibilities**\n\n-   Create new ESBs for licensees that have granted the producer authority in NMLS.\n-   Submit riders to update existing bond information such as amounts, effective dates, or licensee details.\n-   Remove authority for a licensee when no active or pending bonds exist.\n-   Respond to regulator returns by correcting or recreating bonds as needed.\n-   Issue revised form bonds when required by state regulators.\n-   Maintain awareness of bond form versioning and upgrade requirements communicated through NMLS notifications.\n\n**Collaboration with surety companies**\n\nMost ESB actions in NMLS require coordination between the surety bond producer and the surety company underwriting the bond. For example, a producer may initiate a bond or rider that must then be signed by the surety company before submission to the regulator. Both entities receive system notifications for returned, revised, or upgraded bonds to ensure timely action.\n\n**Note:** Because ESB records are shared among the licensee, surety bond producer, surety company, and regulator, all parties can view bond statuses in real time. This transparency helps reduce errors and prevent",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyProducer\\maps\\topics\\suretyProducer_bondManagement.md",
      "relative_path": "maps\\NMLS\\surety\\suretyProducer\\maps\\topics\\suretyProducer_bondManagement.md",
      "headings": [
        "Bond Management for Surety Bond Producers {#suretyProducer_bondManagement_overview .concept}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyProducer/maps/topics/suretyProducer_bondManagement.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyProducer/maps/topics/suretyProducer_bondManagement.md:chunk-1",
      "title": "Bond Management for Surety Bond Producers {#suretyProducer_bondManagement_overview .concept}",
      "content": "cause ESB records are shared among the licensee, surety bond producer, surety company, and regulator, all parties can view bond statuses in real time. This transparency helps reduce errors and prevents duplicate submissions.\n\nUse the links in the left Table of Contents to access detailed procedures for managing bonds in NMLS as a surety bond producer.\n\n**Note:** Only surety bond producers have access to tools such as licensee authority management. Surety company users perform administrative actions such as signing, deleting, or voiding bonds, which are covered in the Surety Company Guide.\n\n-   **Converting Paper Bonds to Electronic Surety Bonds \\(ESBs\\)**  \nSurety companies and surety bond producers can convert paper-issued bonds into Electronic Surety Bonds \\(ESBs\\) in NMLS so that existing obligations appear in the regulator’s electronic bond inventory.\n-   **Riders and Endorsements for Electronic Surety Bonds \\(ESBs\\)**  \nRiders and endorsements modify existing Electronic Surety Bonds \\(ESBs\\) in NMLS. They are used to update, extend, or clarify bond terms without replacing the original bond.\n-   **Canceling, Returning, or Voiding an Electronic Surety Bond \\(ESB\\)**  \nSurety companies and surety bond producers can cancel, return, or void Electronic Surety Bonds \\(ESBs\\) in NMLS when a bond is no longer valid, requires correction, or must be withdrawn from regulatory consideration.\n-   **Changing the Broker of Record for an Electronic Surety Bond \\(ESB\\)**  \nThe Broker of Record \\(BOR\\) change process in NMLS allows a bond to be transferred from one surety bond producer to another while maintaining its active status and association with the surety company and regulator.\n-   **Special Cases for Electronic Surety Bonds \\(ESBs\\) in NMLS**  \nOverview of exceptions to the standard ESB workflow in NMLS, including returned bonds, bond form version upgrades, and Revised Form Bond requirements. Applies to both Surety Companies and Surety Bond Producers.\n-   **Editing Pendi",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyProducer\\maps\\topics\\suretyProducer_bondManagement.md",
      "relative_path": "maps\\NMLS\\surety\\suretyProducer\\maps\\topics\\suretyProducer_bondManagement.md",
      "headings": [
        "Bond Management for Surety Bond Producers {#suretyProducer_bondManagement_overview .concept}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyProducer/maps/topics/suretyProducer_bondManagement.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyProducer/maps/topics/suretyProducer_bondManagement.md:chunk-2",
      "title": "Bond Management for Surety Bond Producers {#suretyProducer_bondManagement_overview .concept}",
      "content": "standard ESB workflow in NMLS, including returned bonds, bond form version upgrades, and Revised Form Bond requirements. Applies to both Surety Companies and Surety Bond Producers.\n-   **Editing Pending Electronic Surety Bonds \\(ESBs\\)**  \nDescribes how a Surety Company or Surety Bond Producer can edit a bond in a pending or returned status before resubmitting it for execution in NMLS.\n-   **Attesting to Surety Entity Information During the Annual Renewals Period**  \nExplains how a Surety Company or other surety entity completes the annual NMLS attestation confirming that its organization information is accurate during the renewals period from November 1 through December 31.\n-   **Handling Regulator Returns for Electronic Surety Bonds \\(ESBs\\)**  \nExplains how Surety Companies and Surety Bond Producers review, correct, and resubmit a bond that a regulator has returned to surety in NMLS.\n-   **Reusing Electronic Surety Bond \\(ESB\\) Numbers in NMLS**  \nExplains when and how a previously used bond number can be reused in NMLS after a returned bond has been voided.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyProducer\\maps\\topics\\suretyProducer_bondManagement.md",
      "relative_path": "maps\\NMLS\\surety\\suretyProducer\\maps\\topics\\suretyProducer_bondManagement.md",
      "headings": [
        "Bond Management for Surety Bond Producers {#suretyProducer_bondManagement_overview .concept}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyProducer/maps/topics/suretyProducer_bondManagement.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyProducer/maps/topics/suretyProducer_dashboard.md:chunk-0",
      "title": "Surety Bond Producer Dashboard {#surety_sbp_dashboard .concept}",
      "content": "# Surety Bond Producer Dashboard \n\nThe Surety Bond Producer Dashboard summarizes Electronic Surety Bond \\(ESB\\) activity for all bonds where the producer is identified as the active producer. Each section displays live bond counts and links to detailed bond records in NMLS.\n\nThe **Surety Bond Producer Dashboard** appears under the Home tab and provides a consolidated overview of ESB-related activity across all bonds where the producer is listed as the active producer. Each section lists summary counts and allows users to drill down to bond details by selecting the linked count. The dashboard refreshes automatically as bond statuses update in NMLS.\n\n**Dashboard layout and sections**\n\nThe dashboard is organized into the following main sections:\n\n-   **Active Bonds \\(Across Surety Bond Producer\\)** — Displays counts of active bonds associated with the producer’s organization.\n    -   **All Bonds:** Total number of active bonds. Selecting the count opens the Manage Bonds page filtered by active status.\n    -   **Notice of Cancellation Bonds:** Displays the number of bonds currently in “Notice of Cancellation” status. Links open the same Manage Bonds page filtered by that status.\n-   **Current Action Items \\(Across Surety Bond Producer\\)** — Highlights bonds that require immediate attention across the producer organization.\n\n    -   **Requires Representative Signature:** Bonds in “Requires Rep Signature” status awaiting signature by a designated representative.\n    -   **Returned Bonds:** Bonds in “Returned to Surety” status requiring review or correction before resubmission.\n    **Note:** Selecting any count opens the Manage Bonds page filtered by the selected status.\n\n-   **Revisions Pending Action \\(Across Surety Bond Producer\\)** — Displays riders or revised form bonds that require producer action.\n    -   **Requires Representative Signature:** Riders or revised form bonds that are awaiting representative signature.\n    -   **Returned Revisions:** Riders or revised b",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyProducer\\maps\\topics\\suretyProducer_dashboard.md",
      "relative_path": "maps\\NMLS\\surety\\suretyProducer\\maps\\topics\\suretyProducer_dashboard.md",
      "headings": [
        "Surety Bond Producer Dashboard {#surety_sbp_dashboard .concept}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyProducer/maps/topics/suretyProducer_dashboard.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyProducer/maps/topics/suretyProducer_dashboard.md:chunk-1",
      "title": "Surety Bond Producer Dashboard {#surety_sbp_dashboard .concept}",
      "content": "hat require producer action.\n    -   **Requires Representative Signature:** Riders or revised form bonds that are awaiting representative signature.\n    -   **Returned Revisions:** Riders or revised bonds returned to the producer for correction.\n-   **Bonds Requiring Form Updates \\(Across Surety Bond Producer\\)** — Lists bonds that require form upgrades or issuance of a revised form bond.\n\n    -   **Upgraded Bond Required:** Bonds in “Requires Rep Signature” or “Returned to Surety” status that must be upgraded to a new form version.\n    -   **Revised Form Bond Required:** Bonds requiring producer action for issuance of a revised form bond that does not yet exist in Pending Principal Signature or Executed status.\n    **Note:** This section displays only if at least one of the listed bond counts is greater than zero.\n\n-   **Current Action Items \\(For Creator User\\)** — Highlights bonds created by the logged-in user that require attention.\n    -   **Requires Representative Signature:** Bonds created by the user that are awaiting representative signature.\n    -   **Returned Bonds:** Bonds created by the user that have been returned to the producer for correction.\n-   **Revisions Pending Action \\(For Creator User\\)** — Displays riders or revised form bonds created by the logged-in user that require attention.\n    -   **Requires Representative Signature:** Riders or revised form bonds created by the user that require representative signature.\n    -   **Returned Bonds:** Riders or revised form bonds created by the user that have been returned to the producer for review.\n-   **Bonds Requiring Form Updates \\(For Creator User\\)** — Lists bonds created by the user that require upgrade or revised form bond issuance.\n    -   **Upgraded Bond Required:** Bonds requiring form upgrade due to new version requirements.\n    -   **Revised Form Bond Required:** Bonds that need issuance of a revised form bond and are not already pending signature or executed in undelivered status.\n\n**How ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyProducer\\maps\\topics\\suretyProducer_dashboard.md",
      "relative_path": "maps\\NMLS\\surety\\suretyProducer\\maps\\topics\\suretyProducer_dashboard.md",
      "headings": [
        "Surety Bond Producer Dashboard {#surety_sbp_dashboard .concept}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyProducer/maps/topics/suretyProducer_dashboard.html",
      "snippet": null
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    {
      "id": "maps/NMLS/surety/suretyProducer/maps/topics/suretyProducer_dashboard.md:chunk-2",
      "title": "Surety Bond Producer Dashboard {#surety_sbp_dashboard .concept}",
      "content": "ue to new version requirements.\n    -   **Revised Form Bond Required:** Bonds that need issuance of a revised form bond and are not already pending signature or executed in undelivered status.\n\n**How to use the Dashboard**\n\n-   Use linked bond counts to navigate directly to filtered bond lists in NMLS.\n-   Check the “Pending Action” and “Revisions Pending Action” areas regularly to address signatures, returns, and required corrections.\n-   Monitor “Bonds Requiring Form Updates” to ensure timely completion of revised or upgraded form requirements.\n-   For collaborative producers, ensure each user monitors both organization-wide and personal action items.\n\n**Note:** The dashboard displays live bond counts and automatically refreshes as bond statuses change or when actions are completed by producers, surety companies, or regulators.\n\n**Navigation destinations**\n\nEach linked count on the dashboard opens a specific NMLS page depending on the bond type or action required:\n\n-   Manage Bonds — Displays detailed bond listings filtered by the selected dashboard category \\(Active, Returned, Requires Signature, etc.\\).\n\n**Parent topic:**NMLS Navigation for Surety Bond Producers",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyProducer\\maps\\topics\\suretyProducer_dashboard.md",
      "relative_path": "maps\\NMLS\\surety\\suretyProducer\\maps\\topics\\suretyProducer_dashboard.md",
      "headings": [
        "Surety Bond Producer Dashboard {#surety_sbp_dashboard .concept}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyProducer/maps/topics/suretyProducer_dashboard.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyProducer/maps/topics/suretyProducer_managingRoles.md:chunk-0",
      "title": "Managing User Roles for Surety Bond Producers {#surety_sbp_userRoles_maintain .task}",
      "content": "# Managing User Roles for Surety Bond Producers \n\nAccount Administrators maintain Organization Users’ roles to ensure access aligns with job responsibilities. This task explains how to review, update, and revoke role assignments in NMLS for surety bond producers.\n\nSurety bond producer Organization Users can hold multiple roles, such as **Manage Associations and Representatives**, **Manage Bonds**, **Manage Surety Bond Producer Profile**, **View Confidential Information**, and **Manage Reports**. Periodic review of these roles ensures least-privilege access and compliance with company policy and NMLS requirements.\n\n**Tip:** Authority to sign bonds derives from both role assignment \\(**Manage Bonds**\\) and representative designation within a surety company association. Representative status is managed from the association screens.\n\n1.  Sign in to NMLS as an **Account Administrator**.\n\n2.  Open the Organization Users area to view your company’s list of users.\n\n    **Note:** Use filters or search options to quickly locate the user whose roles you need to modify.\n\n3.  Select the user and choose **Edit** to view current role assignments.\n\n4.  Adjust the role check boxes to reflect the user’s current responsibilities.\n\n    -   Assign **Manage Bonds** only to users who create or sign bonds or riders.\n    -   Assign **Manage Associations and Representatives** to users responsible for maintaining associations and managing representative status.\n    -   Limit **View Confidential Information** \\(EIN visibility\\) to personnel with a legitimate business need.\n    -   Use **Manage Surety Bond Producer Profile** for staff responsible for maintaining company contact details and state authorizations.\n    -   Provide **Manage Reports** only to users who require access to bond or activity reports.\n5.  Select **Save** to apply updates.\n\n    **Note:** Role changes take effect immediately after saving. Users may need to log out and back in for updates to display in their session.\n\n6.  Rev",
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      "headings": [
        "Managing User Roles for Surety Bond Producers {#surety_sbp_userRoles_maintain .task}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyProducer/maps/topics/suretyProducer_managingRoles.html",
      "snippet": null
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    {
      "id": "maps/NMLS/surety/suretyProducer/maps/topics/suretyProducer_managingRoles.md:chunk-1",
      "title": "Managing User Roles for Surety Bond Producers {#surety_sbp_userRoles_maintain .task}",
      "content": "reports.\n5.  Select **Save** to apply updates.\n\n    **Note:** Role changes take effect immediately after saving. Users may need to log out and back in for updates to display in their session.\n\n6.  Revoke or suspend access when necessary.\n\n    1.  To remove a specific permission, clear the corresponding role check box and select **Save**.\n\n    2.  To temporarily disable a user’s login, select **Disable** in the User Account Profile area.\n\n        **Note:** To restore access, select **Enable** for the same user record.\n\n    3.  To permanently remove access, select **Delete**. A new account must be created if future access is needed.\n\n7.  Update representative status as needed within association records.\n\n    **Note:** Representative designation is maintained on the Surety Company Associations page within the Tasks tab. Users must hold the **Manage Bonds** role and be designated as representatives to sign bonds and riders.\n\n-   Review all users with **Manage Bonds** privileges at least monthly or when staffing changes occur.\n-   Confirm that users responsible for association maintenance retain **Manage Associations and Representatives** only as long as necessary.\n-   Run periodic activity and role reports to confirm access remains appropriate to each user’s job function.\n-   Ensure that at least one Account Administrator remains active at all times to prevent loss of administrative access.\n\n**Parent topic:**Surety Bond Producer Account Administration",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyProducer\\maps\\topics\\suretyProducer_managingRoles.md",
      "relative_path": "maps\\NMLS\\surety\\suretyProducer\\maps\\topics\\suretyProducer_managingRoles.md",
      "headings": [
        "Managing User Roles for Surety Bond Producers {#surety_sbp_userRoles_maintain .task}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyProducer/maps/topics/suretyProducer_managingRoles.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyProducer/maps/topics/suretyProducer_nmlsNavigation.md:chunk-0",
      "title": "NMLS Navigation for Surety Bond Producers {#surety_sbp_navigation_overview .concept}",
      "content": "# NMLS Navigation for Surety Bond Producers \n\nSurety bond producers access Electronic Surety Bond \\(ESB\\) functions and related reporting through key areas of the NMLS interface, including the Home tab, Dashboard, Tasks tab, and Composite View.\n\nSurety bond producer users interact with NMLS primarily through a set of interface areas that organize ESB data, tasks, and administrative functions. The **Surety Bond Producer Dashboard** displays bond activity and pending actions related to all bonds where the producer is identified as the active producer.\n\n**Main navigation areas**\n\n-   **Home tab:** Landing area displaying the Surety Bond Producer Dashboard, which summarizes bond activity and pending actions specific to the producer’s organization.\n-   **Dashboard:** Provides a live view of active bonds, pending items, and form updates. Users can click linked counts to access detailed records in the Manage Bonds page.\n-   **Tasks tab:** Contains menus for operational activities such as responding to association requests, creating and managing bonds, and maintaining representative designations. Most ESB workflow actions begin here.\n-   **Composite View:** Displays detailed information about associated surety companies, including authorizations, underwriting entities, and active association data.\n-   **Reports tab:** Enables authorized users to generate or view reports summarizing ESB activity, including bond counts, cancellations, and revisions.\n\n**Accessing ESB functions**\n\nFrom the Dashboard or Tasks tab, users can perform common ESB activities, including:\n\n-   Viewing and managing bonds where the producer is the active producer\n-   Approving or correcting association requests from surety companies\n-   Reviewing returned or pending bonds and riders\n-   Monitoring revisions, cancellations, and bonds requiring form updates\n-   Accessing bonds requiring representative signatures\n\n**Note:** Displayed navigation options depend on each user’s assigned roles. For example, user",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyProducer\\maps\\topics\\suretyProducer_nmlsNavigation.md",
      "relative_path": "maps\\NMLS\\surety\\suretyProducer\\maps\\topics\\suretyProducer_nmlsNavigation.md",
      "headings": [
        "NMLS Navigation for Surety Bond Producers {#surety_sbp_navigation_overview .concept}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyProducer/maps/topics/suretyProducer_nmlsNavigation.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyProducer/maps/topics/suretyProducer_nmlsNavigation.md:chunk-1",
      "title": "NMLS Navigation for Surety Bond Producers {#surety_sbp_navigation_overview .concept}",
      "content": " cancellations, and bonds requiring form updates\n-   Accessing bonds requiring representative signatures\n\n**Note:** Displayed navigation options depend on each user’s assigned roles. For example, users with the **Manage Bonds** or **Manage Associations and Representatives** roles can access additional ESB management functions that may not appear for other users.\n\n**Surety Bond Producer Dashboard**\n\nThe Surety Bond Producer Dashboard serves as the central workspace for monitoring ESB activity. It provides bond counts and direct links to manage active, pending, or returned bonds, riders, and form updates. For detailed descriptions of each dashboard section, see Surety Bond Producer Dashboard.\n\n-   **Surety Bond Producer Dashboard**  \nThe Surety Bond Producer Dashboard summarizes Electronic Surety Bond \\(ESB\\) activity for all bonds where the producer is identified as the active producer. Each section displays live bond counts and links to detailed bond records in NMLS.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyProducer\\maps\\topics\\suretyProducer_nmlsNavigation.md",
      "relative_path": "maps\\NMLS\\surety\\suretyProducer\\maps\\topics\\suretyProducer_nmlsNavigation.md",
      "headings": [
        "NMLS Navigation for Surety Bond Producers {#surety_sbp_navigation_overview .concept}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyProducer/maps/topics/suretyProducer_nmlsNavigation.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyProducer/maps/topics/suretyProducer_reportingOversight.md:chunk-0",
      "title": "Reporting and Oversight for Surety Bond Producers {#esb_reportingOversightOverview_sbp .concept}",
      "content": "# Reporting and Oversight for Surety Bond Producers \n\nIntroduces reporting and notification tools that allow Surety Bond Producers to monitor electronic surety bond \\(ESB\\) activity, reconcile data with internal systems, and stay informed about NMLS events.\n\nSurety Bond Producers can access several NMLS tools that support oversight and recordkeeping for their electronic surety bond \\(ESB\\) activity. These include downloadable reports containing detailed bond data and automated notifications that alert users when key events occur. Together, these tools provide transparency and help ensure data consistency between NMLS and the producer’s internal surety management systems.\n\nThe reports available through the Reports tab in NMLS allow Surety Bond Producers to view transaction history, verify bond statuses, and export bond-level data for reconciliation. Standard report definitions and field descriptions are available in the following reference files:\n\n-   Surety Bond Producer Transaction Report Sample\n-   Surety Bond Producer Reports Field Definitions\n\n## Available report types { .section}\n\nSurety Bond Producers have access to two primary reports in NMLS:\n\n-   **Surety Bond Transaction Report:** Returns all transaction events for bonds where the producer was the broker of record at the time of the event. Events include signatures, deliveries, cancellations, reinstatements, bond returns, revised form bond issuance, and other lifecycle actions. The report can be filtered by company, date range, or event type.\n-   **Surety Bond Producer Roster:** Lists all active and historical bonds where the producer is identified as the broker of record. Includes bond details such as licensee name, NMLS ID, bond amount, effective date, status, underwriter, form version, and indicators for conversion or revision requirements.\n\n**Note:** Reports can be filtered by date range, regulator, license type, surety company, or bond status. The maximum date range for transaction reports is 30 days ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyProducer\\maps\\topics\\suretyProducer_reportingOversight.md",
      "relative_path": "maps\\NMLS\\surety\\suretyProducer\\maps\\topics\\suretyProducer_reportingOversight.md",
      "headings": [
        "Reporting and Oversight for Surety Bond Producers {#esb_reportingOversightOverview_sbp .concept}",
        "Available report types { .section}",
        "Report content and usage { .section}",
        "Notifications and oversight { .section}",
        "What this section covers { .section}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyProducer/maps/topics/suretyProducer_reportingOversight.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyProducer/maps/topics/suretyProducer_reportingOversight.md:chunk-1",
      "title": "Reporting and Oversight for Surety Bond Producers {#esb_reportingOversightOverview_sbp .concept}",
      "content": "nversion or revision requirements.\n\n**Note:** Reports can be filtered by date range, regulator, license type, surety company, or bond status. The maximum date range for transaction reports is 30 days and cannot include future dates.\n\n## Report content and usage { .section}\n\n-   Use the **Surety Bond Transaction Report** to monitor lifecycle events such as delivery, cancellation, reinstatement, or regulator returns for bonds where your organization served as broker of record.\n-   Use the **Surety Bond Producer Roster** to maintain a complete listing of active and historical bonds, including any requiring revised form issuance.\n-   Export both reports to Excel for offline sorting, filtering, and integration into your organization’s internal tracking systems.\n-   Review *Converted* and *Revised Form Bond Required* indicators to identify bonds that were converted from paper or require updated bond forms under new regulatory versions.\n\n## Notifications and oversight { .section}\n\nAutomated notifications are distributed to Surety Bond Producers and other authorized users when bond status changes occur. These messages help producers respond quickly to regulator returns, rider requirements, and revised form bond obligations.\n\n**Note:** Notifications are automatically sent to Account Administrators. Organization Users can also subscribe to applicable system notifications under the Admin tab.\n\n## What this section covers { .section}\n\n-   Surety Bond Producer Transaction Reports — defines the Surety Bond Transaction Report and its filters, fields, and event types.\n-   Reconciling ESB Data with Internal Systems — explains how to use the Surety Bond Producer Roster and field definitions to match NMLS data to internal records.\n-   Surety Entity Notifications and Subscriptions — lists automated system messages shared with Surety Bond Producers and Surety Companies.\n\n**Tip:** Regularly download the Surety Bond Producer reports to maintain internal data alignment and to monitor any r",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyProducer\\maps\\topics\\suretyProducer_reportingOversight.md",
      "relative_path": "maps\\NMLS\\surety\\suretyProducer\\maps\\topics\\suretyProducer_reportingOversight.md",
      "headings": [
        "Reporting and Oversight for Surety Bond Producers {#esb_reportingOversightOverview_sbp .concept}",
        "Available report types { .section}",
        "Report content and usage { .section}",
        "Notifications and oversight { .section}",
        "What this section covers { .section}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyProducer/maps/topics/suretyProducer_reportingOversight.html",
      "snippet": null
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    {
      "id": "maps/NMLS/surety/suretyProducer/maps/topics/suretyProducer_reportingOversight.md:chunk-2",
      "title": "Reporting and Oversight for Surety Bond Producers {#esb_reportingOversightOverview_sbp .concept}",
      "content": "automated system messages shared with Surety Bond Producers and Surety Companies.\n\n**Tip:** Regularly download the Surety Bond Producer reports to maintain internal data alignment and to monitor any regulator or system-driven bond updates.\n\n**Note:** Report formats and field names may change with future NMLS releases. Always consult the most recent report field definitions for accurate data mapping.\n\n-   **Surety Bond Producer Transaction Reports**  \nDescribes the Surety Bond Transaction Report available to Surety Bond Producers in NMLS, including the filter criteria, event types, and field definitions contained in the report.\n-   **Reconciling ESB Data with Internal Systems**  \nExplains how Surety Companies can use NMLS reports and data exports to align electronic surety bond \\(ESB\\) information with their internal policy, accounting, or compliance systems.\n-   **Surety Entity Notifications and Subscriptions**  \nLists automated NMLS notifications and email alerts distributed to Surety Companies, Surety Bond Producers, Principals, and designated individuals when electronic surety bond \\(ESB\\) events occur.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyProducer\\maps\\topics\\suretyProducer_reportingOversight.md",
      "relative_path": "maps\\NMLS\\surety\\suretyProducer\\maps\\topics\\suretyProducer_reportingOversight.md",
      "headings": [
        "Reporting and Oversight for Surety Bond Producers {#esb_reportingOversightOverview_sbp .concept}",
        "Available report types { .section}",
        "Report content and usage { .section}",
        "Notifications and oversight { .section}",
        "What this section covers { .section}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyProducer/maps/topics/suretyProducer_reportingOversight.html",
      "snippet": null
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    {
      "id": "maps/NMLS/surety/suretyProducer/maps/topics/suretyProducer_transactionReports.md:chunk-0",
      "title": "Surety Bond Producer Transaction Reports {#esb_suretyProdTransactionReports .reference}",
      "content": "# Surety Bond Producer Transaction Reports \n\nDescribes the Surety Bond Transaction Report available to Surety Bond Producers in NMLS, including the filter criteria, event types, and field definitions contained in the report.\n\nThe Surety Bond Transaction Report lists events that occur for bonds in which the Surety Bond Producer served as the broker of record at the time of, or subsequent to, each event. Each transaction record reflects the bond’s details as they existed when the event occurred, including the most recent revision information available in NMLS.\n\nThe report can be accessed from the Reports tab in NMLS and downloaded for reconciliation or recordkeeping. Complete field definitions appear in Surety Bond Producer Report Field Definitions.\n\n## Report Availability \n\nReport data is generated according to the following NMLS system rules:\n\n-   **“As of Date” Reports:** Requests made Monday–Thursday include data current as of the previous day. Requests made Friday–Sunday include data current as of the preceding Thursday.\n-   **“Since Date” Reports:** Requests made Monday–Thursday include data through the previous day. Requests made Friday–Sunday include data through the preceding Thursday.\n\n## Filter Criteria \n\nThe report can be filtered by the following criteria in the Reports tab:\n\n-   Company ID\n-   Date Range \\(up to 30 days; future dates not allowed\\)\n-   Surety Bond Transaction Type\n-   Include Rider Transactions\n\n**Note:** Filters allow users to refine results by company or date range to capture only those bonds for which the producer acted as broker of record during the reporting period.\n\n## Transaction Events Captured \n\nThe report returns the following surety bond transaction types for all bonds associated with the producer:\n\n-   Signed by Surety / Rider Signed by Surety\n-   Signed by Licensee / Rider Signed by Licensee\n-   Delivered to Regulator / Rider Delivered to Regulator\n-   Broker of Record Change\n-   Notice of Cancellation\n-   Cancellation Notice",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyProducer\\maps\\topics\\suretyProducer_transactionReports.md",
      "relative_path": "maps\\NMLS\\surety\\suretyProducer\\maps\\topics\\suretyProducer_transactionReports.md",
      "headings": [
        "Surety Bond Producer Transaction Reports {#esb_suretyProdTransactionReports .reference}",
        "Report Availability {#availabilityRules .section}",
        "Filter Criteria {#criteria .section}",
        "Transaction Events Captured {#transactionEvents .section}",
        "Key Report Fields {#fieldDefinitions .section}",
        "Usage Notes {#usageNotes .section}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyProducer/maps/topics/suretyProducer_transactionReports.html",
      "snippet": null
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    {
      "id": "maps/NMLS/surety/suretyProducer/maps/topics/suretyProducer_transactionReports.md:chunk-1",
      "title": "Surety Bond Producer Transaction Reports {#esb_suretyProdTransactionReports .reference}",
      "content": "ned by Surety\n-   Signed by Licensee / Rider Signed by Licensee\n-   Delivered to Regulator / Rider Delivered to Regulator\n-   Broker of Record Change\n-   Notice of Cancellation\n-   Cancellation Notice Rescinded\n-   Cancelled\n-   Reinstated\n-   Returned to Surety\n-   Returned to Surety by Regulator\n-   Declined by Licensee\n-   Revised Form Bond Issued\n-   Voided\n\n## Key Report Fields \n\n|Field Name|Description|\n|----------|-----------|\n|Bond Transaction Type|Indicates the type of surety bond transaction returned based on the selected filters.|\n|Transaction Date|Date the event occurred.|\n|Action Taken By \\(User\\)|Full name of the user who initiated the transaction.|\n|Action Taken By \\(Entity Type / Name\\)|Specifies whether the action was taken by a Surety Company, Surety Bond Producer, Licensee, or the system, and provides the entity name.|\n|Bond Number|The bond number entered by the surety entity when the bond was created in NMLS.|\n|Bond Effective Date|The effective date of the bond as recorded in NMLS.|\n|Bond Amount|The bond amount as reported in the surety bond record.|\n|Underwriting Company / NAIC ID|The name and NAIC identifier of the surety company underwriting the bond.|\n|Principal Name and NMLS ID|The licensed company or individual covered by the bond and their NMLS identifier.|\n|Regulator \\(Obligee\\)|The state agency that licenses the principal and is the beneficiary of the bond.|\n|Rider Change Category / Revision Effective Date|Identifies the type of amendment made and the date the change became effective.|\n|Converted / Revised Form Bond Required|Indicates whether the bond was converted from a paper version or requires issuance of a revised form bond.|\n|Report Current As Of / Generated Time|Displays the system date and time when the report was generated.|\n\n## Usage Notes \n\nUse this report to monitor bond activity, confirm the timing and status of events, and verify that transactions involving your organization as broker of record are accurately recorded in NM",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyProducer\\maps\\topics\\suretyProducer_transactionReports.md",
      "relative_path": "maps\\NMLS\\surety\\suretyProducer\\maps\\topics\\suretyProducer_transactionReports.md",
      "headings": [
        "Surety Bond Producer Transaction Reports {#esb_suretyProdTransactionReports .reference}",
        "Report Availability {#availabilityRules .section}",
        "Filter Criteria {#criteria .section}",
        "Transaction Events Captured {#transactionEvents .section}",
        "Key Report Fields {#fieldDefinitions .section}",
        "Usage Notes {#usageNotes .section}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyProducer/maps/topics/suretyProducer_transactionReports.html",
      "snippet": null
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    {
      "id": "maps/NMLS/surety/suretyProducer/maps/topics/suretyProducer_transactionReports.md:chunk-2",
      "title": "Surety Bond Producer Transaction Reports {#esb_suretyProdTransactionReports .reference}",
      "content": "ge Notes \n\nUse this report to monitor bond activity, confirm the timing and status of events, and verify that transactions involving your organization as broker of record are accurately recorded in NMLS. Data can be exported for reconciliation with your internal tracking or regulatory reporting systems.\n\n**Note:** The report data is limited to bonds associated with the requesting Surety Bond Producer. Do not distribute exported report data beyond authorized internal users.\n\n**Parent topic:**Reporting and Oversight for Surety Bond Producers",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyProducer\\maps\\topics\\suretyProducer_transactionReports.md",
      "relative_path": "maps\\NMLS\\surety\\suretyProducer\\maps\\topics\\suretyProducer_transactionReports.md",
      "headings": [
        "Surety Bond Producer Transaction Reports {#esb_suretyProdTransactionReports .reference}",
        "Report Availability {#availabilityRules .section}",
        "Filter Criteria {#criteria .section}",
        "Transaction Events Captured {#transactionEvents .section}",
        "Key Report Fields {#fieldDefinitions .section}",
        "Usage Notes {#usageNotes .section}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyProducer/maps/topics/suretyProducer_transactionReports.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyProducer/maps/topics/suretyProducer_userRoles.md:chunk-0",
      "title": "NMLS User Roles for Surety Bond Producers {#surety_sbp_userRoles .concept}",
      "content": "# NMLS User Roles for Surety Bond Producers \n\nThis topic describes the NMLS user roles available to surety bond producers, including the responsibilities of Account Administrators, Organization Users, and Representatives.\n\nSurety bond producer user access in NMLS is managed through two main user types: **Account Administrators \\(AAs\\)** and **Organization Users \\(OUs\\)**. Account Administrators are established during account creation and have full access to manage the organization’s record, users, and roles. Organization Users are created and managed by Account Administrators, and their permissions are determined by assigned roles.\n\n## Account Administrator access { .section}\n\nAccount Administrators have full access to all functionality available to the surety bond producer organization, including all actions listed under Organization User roles. AAs can:\n\n-   Create, modify, enable, disable, and delete Organization User accounts.\n-   Assign or remove user roles for Organization Users.\n-   Manage notification subscriptions for the organization.\n-   Maintain and update company profile and contact information.\n\n**Note:** Each surety bond producer must maintain at least two Account Administrators. Changes to Account Administrators can only be made by contacting the NMLS Call Center at 1-855-NMLS-123 \\(1-855-665-7123\\).\n\n## Organization User roles { .section}\n\nOrganization Users are created by Account Administrators and can be granted one or more of the following roles, depending on their responsibilities. There is no limit to the number of roles that can be assigned to a single user.\n\n**Manage Associations and Representatives**\n\n-   Manage representatives for the entity.\n-   View and manage associations with surety companies.\n-   For Requested Associations: accept, reject, or request corrections.\n-   For Active Associations: request corrections or remove associations.\n\n**Note:** Surety companies must initiate the association request with a surety bond producer before t",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyProducer\\maps\\topics\\suretyProducer_userRoles.md",
      "relative_path": "maps\\NMLS\\surety\\suretyProducer\\maps\\topics\\suretyProducer_userRoles.md",
      "headings": [
        "NMLS User Roles for Surety Bond Producers {#surety_sbp_userRoles .concept}",
        "Account Administrator access { .section}",
        "Organization User roles { .section}",
        "Representative designation { .section}",
        "Good practices for role management { .section}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyProducer/maps/topics/suretyProducer_userRoles.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyProducer/maps/topics/suretyProducer_userRoles.md:chunk-1",
      "title": "NMLS User Roles for Surety Bond Producers {#surety_sbp_userRoles .concept}",
      "content": " or request corrections.\n-   For Active Associations: request corrections or remove associations.\n\n**Note:** Surety companies must initiate the association request with a surety bond producer before the producer can accept the association.\n\n**Manage Bonds**\n\n-   Create and view bonds and bond riders.\n-   Sign bonds and bond riders if the user is assigned as a Representative and associated with a surety company or producer through an active association.\n\n**Manage Surety Bond Producer Profile**\n\n-   Manage the producer entity’s profile, including contact information and state authorizations.\n-   Update profile data as needed to maintain current company records in NMLS.\n\n**View Confidential Information**\n\n-   View confidential company data, including the Employer Identification Number \\(EIN\\) listed in the producer’s profile.\n\n**Manage Reports**\n\n-   Request and view bond-related reports.\n\n## Representative designation { .section}\n\nRepresentatives are individuals authorized to sign bonds and riders on behalf of the surety bond producer. To be eligible, the user must:\n\n-   Be assigned the **Manage Bonds** role; and\n-   Be designated as a **Representative** under the Surety Company Associations page within the Tasks tab.\n\nOnce designated, representatives can sign bonds and bond riders on behalf of a surety company after being identified on an active association for the surety bond producer entity.\n\n**Note:** Creating a Representative with no assigned roles prevents that individual from editing company information or viewing confidential data.\n\n## Good practices for role management { .section}\n\n-   Assign only the roles necessary for each user’s job duties to maintain least-privilege access.\n-   Review role assignments regularly to ensure they remain accurate and aligned with user responsibilities.\n-   Disable or delete user accounts promptly when personnel leave or no longer require access.\n-   Ensure at least one Account Administrator remains active at all times to prev",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyProducer\\maps\\topics\\suretyProducer_userRoles.md",
      "relative_path": "maps\\NMLS\\surety\\suretyProducer\\maps\\topics\\suretyProducer_userRoles.md",
      "headings": [
        "NMLS User Roles for Surety Bond Producers {#surety_sbp_userRoles .concept}",
        "Account Administrator access { .section}",
        "Organization User roles { .section}",
        "Representative designation { .section}",
        "Good practices for role management { .section}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyProducer/maps/topics/suretyProducer_userRoles.html",
      "snippet": null
    },
    {
      "id": "maps/NMLS/surety/suretyProducer/maps/topics/suretyProducer_userRoles.md:chunk-2",
      "title": "NMLS User Roles for Surety Bond Producers {#surety_sbp_userRoles .concept}",
      "content": " user responsibilities.\n-   Disable or delete user accounts promptly when personnel leave or no longer require access.\n-   Ensure at least one Account Administrator remains active at all times to prevent access interruptions.\n-   Coordinate with surety companies to confirm representative assignments for signing privileges are current and accurate.\n\n**Parent topic:**Surety Bond Producer Account Administration",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\NMLS\\surety\\suretyProducer\\maps\\topics\\suretyProducer_userRoles.md",
      "relative_path": "maps\\NMLS\\surety\\suretyProducer\\maps\\topics\\suretyProducer_userRoles.md",
      "headings": [
        "NMLS User Roles for Surety Bond Producers {#surety_sbp_userRoles .concept}",
        "Account Administrator access { .section}",
        "Organization User roles { .section}",
        "Representative designation { .section}",
        "Good practices for role management { .section}"
      ],
      "html_link": "/docs/maps/NMLS/surety/suretyProducer/maps/topics/suretyProducer_userRoles.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/00_SESCommon/topics/c_SES_uploadingDocuments-1.md:chunk-0",
      "title": "Uploading Documents {#xd_8263018a37aa41f1-16a718b8-1868f051c4c--7ffd .task}",
      "content": "# Uploading Documents \n\nHow to upload documents in SES.\n\nSES allows you to upload documents in various places throughout a supervisory activity. Use these steps to manually upload documents.\n\nYou do not need to use identifiers when naming a file. The system adds identifying attributes to the name of the document when it is uploaded to the system \\(e.g., the relevant AFR and information request, loan request, or matter requiring attention ID number\\).\n\nPlease note the following restrictions with regard to file uploads in SES. It is recommended to use a ZIP folder or File Sharing Links when uploading large files or more than 25 files at a time.\n\n-   **File formats supported**: SES will accept all file formats, but the following commonly supported file types are recommended: PDF, Word®, Excel®, CSV, ZIP\n-   **Max file size**: 1 GB\n-   **For files larger than 1 GB[^1]:**\n    -   Use ZIP compression to reduce file to less than 1 GB[^1]\n    -   Split the file into multiple smaller files\n    -   Use File Sharing Links.\n-   **Max no. characters per file name:** 200\n-   **Max no. files per upload**: 25, for uploads larger than 25 total files:\n    1.  Upload first 25.\n    2.  Select the **Save Draft** option in Available Next Actions then click the **Save Draft** button.\n\n        **Note:** You may need to refresh the screen to see that the files have uploaded to the system.\n\n    3.  Return to the response screen to upload the next 25 files and repeat.\n-   **Total no. files**: unlimited\n\n1.  Click the **Upload** button.\n\n    \n\n2.  Search for and select your desired files for upload.\n\n    The documents queue up while pending upload.\n\n    \n\n3.  Click **Save Draft** or other relevant action in the Available Next Actions to save the form where the documents are being upladed.\n\n    \n\n4.  Return to the form where you were uploading the documents.\n\n5.  Click the **Refresh** icon to see if the uploaded documents have been processed.\n\n    \n\n    The documents display in a list, availabl",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\00_SESCommon\\topics\\c_SES_uploadingDocuments-1.md",
      "relative_path": "maps\\SES\\chapter\\00_SESCommon\\topics\\c_SES_uploadingDocuments-1.md",
      "headings": [
        "Uploading Documents {#xd_8263018a37aa41f1-16a718b8-1868f051c4c--7ffd .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/00_SESCommon/topics/c_SES_uploadingDocuments-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/00_SESCommon/topics/c_SES_uploadingDocuments-1.md:chunk-1",
      "title": "Uploading Documents {#xd_8263018a37aa41f1-16a718b8-1868f051c4c--7ffd .task}",
      "content": ".  Return to the form where you were uploading the documents.\n\n5.  Click the **Refresh** icon to see if the uploaded documents have been processed.\n\n    \n\n    The documents display in a list, available for preview, download, or deletion once they have been processed.\n\n    \n\n**Parent topic:**Information Requests\n\n[^1]: For documents uploaded to the Interactions tab, the maximum file size is 25 MB.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\00_SESCommon\\topics\\c_SES_uploadingDocuments-1.md",
      "relative_path": "maps\\SES\\chapter\\00_SESCommon\\topics\\c_SES_uploadingDocuments-1.md",
      "headings": [
        "Uploading Documents {#xd_8263018a37aa41f1-16a718b8-1868f051c4c--7ffd .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/00_SESCommon/topics/c_SES_uploadingDocuments-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/00_SESCommon/topics/c_SES_uploadingDocuments.md:chunk-0",
      "title": "Uploading Documents {#xd_8263018a37aa41f1-16a718b8-1868f051c4c--7ffd .task}",
      "content": "# Uploading Documents \n\nHow to upload documents in SES.\n\nSES allows you to upload documents in various places throughout a supervisory activity. Use these steps to manually upload documents.\n\nYou do not need to use identifiers when naming a file. The system adds identifying attributes to the name of the document when it is uploaded to the system \\(e.g., the relevant AFR and information request, loan request, or matter requiring attention ID number\\).\n\nPlease note the following restrictions with regard to file uploads in SES. It is recommended to use a ZIP folder or File Sharing Links when uploading large files or more than 25 files at a time.\n\n-   **File formats supported**: SES will accept all file formats, but the following commonly supported file types are recommended: PDF, Word®, Excel®, CSV, ZIP\n-   **Max file size**: 1 GB\n-   **For files larger than 1 GB[^1]:**\n    -   Use ZIP compression to reduce file to less than 1 GB[^1]\n    -   Split the file into multiple smaller files\n    -   Use File Sharing Links.\n-   **Max no. characters per file name:** 200\n-   **Max no. files per upload**: 25, for uploads larger than 25 total files:\n    1.  Upload first 25.\n    2.  Select the **Save Draft** option in Available Next Actions then click the **Save Draft** button.\n\n        **Note:** You may need to refresh the screen to see that the files have uploaded to the system.\n\n    3.  Return to the response screen to upload the next 25 files and repeat.\n-   **Total no. files**: unlimited\n\n1.  Click the **Upload** button.\n\n    \n\n2.  Search for and select your desired files for upload.\n\n    The documents queue up while pending upload.\n\n    \n\n3.  Click **Save Draft** or other relevant action in the Available Next Actions to save the form where the documents are being upladed.\n\n    \n\n4.  Return to the form where you were uploading the documents.\n\n5.  Click the **Refresh** icon to see if the uploaded documents have been processed.\n\n    \n\n    The documents display in a list, availabl",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\00_SESCommon\\topics\\c_SES_uploadingDocuments.md",
      "relative_path": "maps\\SES\\chapter\\00_SESCommon\\topics\\c_SES_uploadingDocuments.md",
      "headings": [
        "Uploading Documents {#xd_8263018a37aa41f1-16a718b8-1868f051c4c--7ffd .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/00_SESCommon/topics/c_SES_uploadingDocuments.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/00_SESCommon/topics/c_SES_uploadingDocuments.md:chunk-1",
      "title": "Uploading Documents {#xd_8263018a37aa41f1-16a718b8-1868f051c4c--7ffd .task}",
      "content": ".  Return to the form where you were uploading the documents.\n\n5.  Click the **Refresh** icon to see if the uploaded documents have been processed.\n\n    \n\n    The documents display in a list, available for preview, download, or deletion once they have been processed.\n\n    \n\n[^1]: For documents uploaded to the Interactions tab, the maximum file size is 25 MB.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\00_SESCommon\\topics\\c_SES_uploadingDocuments.md",
      "relative_path": "maps\\SES\\chapter\\00_SESCommon\\topics\\c_SES_uploadingDocuments.md",
      "headings": [
        "Uploading Documents {#xd_8263018a37aa41f1-16a718b8-1868f051c4c--7ffd .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/00_SESCommon/topics/c_SES_uploadingDocuments.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/Analytics/topics/SA_Analytics_Helpful_Notes_and_Tips.md:chunk-0",
      "title": "SA Analytics Helpful Notes and Tips {#xd_603f98912ed0dd72-5458a009-1829c666dae--7ff6 .reference}",
      "content": "# SA Analytics Helpful Notes and Tips \n\nHelpful information on how to use the SES SA Analytics tool in QlikView.\n\n## View Reports in Excel® \n\nTo view a report in Excel®, click the **XL** icon and the data will download as an Excel® file immediately.\n\n## Filters \n\nSA Analytics automatically filters for companies scheduled or examined by **your agency**. The bottom panel can be used to filter the data further.\n\n## SAs by Business Type Report \n\nUse the **+** icon to expand this report to show SAs by milestone.\n\n## Scheduled SAs \n\nThe report flags SAs that have a Recent Exam. A Recent Exam is “Yes” if exam has been conducted on the company in the last 180 days. The exam closed date, SA ID and Scope are available for that SA.\n\n## In Progress SAs \n\nThe **Start Date** field is determined by the day the first information request is sent to a company for the SA. If no information requests are sent, the date is determined by the first day the SA entered the “In-Flight” milestone.\n\nIn the report In Progress SAs, agency milestone averages are calculated for Planning, In-flight, Drafting, and Closing milestones.\n\nThe column Average Days in Milestone is based on each agency’s past exam timelines. For example, if the average time spent in Close Out is 14 days, it took on average 14 days for all that agency’s past exams to move from Close Out to Closed. Any SA exceeding that timeline is highlighted in red – as shown below.\n\n## Library Tab \n\nThis tab contains information about your agency’s information requests and procedures in the SES Library.\n\nThe standards usage dashboard shows your agency’s standards usage against the national average. The business type average is calculated by evaluating each exam’s ratio of state-specific to standard IRs and calculating the average for the entire agency for the selected business type.\n\n**Parent topic:**SES SA Analytics User Guide",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\Analytics\\topics\\SA_Analytics_Helpful_Notes_and_Tips.md",
      "relative_path": "maps\\SES\\chapter\\Analytics\\topics\\SA_Analytics_Helpful_Notes_and_Tips.md",
      "headings": [
        "SA Analytics Helpful Notes and Tips {#xd_603f98912ed0dd72-5458a009-1829c666dae--7ff6 .reference}",
        "View Reports in Excel® {#section_sjh_23s_gtb .section}",
        "Filters {#section_ssn_fbh_45b .section}",
        "SAs by Business Type Report {#section_n4p_jbh_45b .section}",
        "Scheduled SAs {#section_tw2_mbh_45b .section}",
        "In Progress SAs {#section_aqp_4bh_45b .section}",
        "Library Tab {#section_esp_kdh_45b .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/Analytics/topics/SA_Analytics_Helpful_Notes_and_Tips.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/Analytics/topics/SES_SA_Analytics_userGuide.md:chunk-0",
      "title": "SES SA Analytics User Guide {#xd_603f98912ed0dd72-5458a009-1829c666dae--7ff9 .concept}",
      "content": "# SES SA Analytics User Guide \n\nHow to use the SA Analytics tool for SES.\n\nThe CSBS Research & Analytics and State Examination System \\(SES\\) Teams are excited to announce a new reporting tool for SES Supervisory Activity \\(SA\\) data. The tool provides agency-specific data for scheduled, in-progress, and closed exams, and is intended to be used for regular exam monitoring and periodic reporting. It also shows information about your agency’s use of the SES Library.\n\nThe SA Analytics tool is meant to supplement the existing reports built in SES. We hope these two reporting offerings combined meet the majority of your examination and investigation reporting needs.\n\nAs you explore reports within SES or through NMLS Data Analytics, please submit any feedback you may have to SESfeedback@csbs.org. Please direct questions about how to interact with these reporting tools to the Regulatory Users Group \\(RUG\\) of the NMLS Call Center at the phone number or email provided on our secure portal. Secure Portal \\(requires agency login\\)\n\n-   **Single Sign-on through NMLS**  \nHow to access SES SA Analytics via single-sign on with NMLS.\n-   **SA Analytics Helpful Notes and Tips**  \nHelpful information on how to use the SES SA Analytics tool in QlikView.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\Analytics\\topics\\SES_SA_Analytics_userGuide.md",
      "relative_path": "maps\\SES\\chapter\\Analytics\\topics\\SES_SA_Analytics_userGuide.md",
      "headings": [
        "SES SA Analytics User Guide {#xd_603f98912ed0dd72-5458a009-1829c666dae--7ff9 .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/Analytics/topics/SES_SA_Analytics_userGuide.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/Analytics/topics/Single_Sign_on_through_NMLS.md:chunk-0",
      "title": "Single Sign-on through NMLS {#xd_603f98912ed0dd72-5458a009-1829c666dae--7ff8 .task}",
      "content": "# Single Sign-on through NMLS \n\nHow to access SES SA Analytics via single-sign on with NMLS.\n\nUsers that are assigned the Analytics role in NMLS will automatically be authorized to access the Data Analytics tool via NMLS. Once the user is logged in to NMLS, they will be able to navigate to the Data Analytics tool without logging in again.\n\n1.  >Click the **Analytics** link from the NMLS submenu.\n\n    \n\n    The Analytics page opens in a new window or tab.\n\n2.  Click the **Data Anlytics** button.\n\n     ![]()\n\n    The QlikView application opens in a new window or tab.\n\n3.  Click the **SES SA Analytics** thumbnail.\n\n    \n\n    TheSES SA Analytics tool opens.\n\n**Parent topic:**SES SA Analytics User Guide",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\Analytics\\topics\\Single_Sign_on_through_NMLS.md",
      "relative_path": "maps\\SES\\chapter\\Analytics\\topics\\Single_Sign_on_through_NMLS.md",
      "headings": [
        "Single Sign-on through NMLS {#xd_603f98912ed0dd72-5458a009-1829c666dae--7ff8 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/Analytics/topics/Single_Sign_on_through_NMLS.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/IR/topics/c_agency_IR_AddRemove-1.md:chunk-0",
      "title": "Add and Remove Information Requests {#c_AddRemove_IR .concept}",
      "content": "# Add and Remove Information Requests \n\nOnce the scope is marked complete, agency and standard core information requests \\(IRs\\) that match the scope type of the supervisory activity \\(SA\\) are automatically added to the SA by the system for single-state exams.\n\nInformation requests are managed in the SES Library. See Managing the Library for more information.\n\n**Note:** For multi-state SAs, only the standard core IRs that match the scope type of the SA are added.\n\nBefore an IR is sent to the company, it can be updated or removed. However, after an IR is sent to the company, it cannot be removed.\n\n**Note:** Any active agency participant on a supervisory activity can add or remove an information request. If you are conducting an investigation, the core and non-core designation for IRs is not automatically added.\n\n-   **Adding Information Requests**  \nUse this procedure to add Non-core IRs to the SA.\n-   **Adding Custom Information Requests**  \nCustom IRs are only available within the exam that they were created in \\(i.e., this custom IR will not appear in any other exam\\).\n-   **Adding Internal Agency Notes to an Information Request**  \nYou can add notes to an information request that are only viewable by active agency participants on a supervisory activity.\n-   **Adding General Information Request Documents and Comments**  \nThe Staff Director and EIC can add general documents and comments to the Supervisory Activity Information Requests before the SA enters the Close Out milestone.\n-   **Removing Information Requests**  \nYou can remove information requests from a supervisory activity.\n-   **Canceling Information Requests for a Supervisory Activity**  \nYou can cancel information requests for a supervisory activity \\(SA\\) that have been sent to the company prior to the company sending a response.\n-   **Exporting Information Requests**  \nYou can export the information requests from your agency.\n\n**Parent topic:**Information Requests",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\IR\\topics\\c_agency_IR_AddRemove-1.md",
      "relative_path": "maps\\SES\\chapter\\IR\\topics\\c_agency_IR_AddRemove-1.md",
      "headings": [
        "Add and Remove Information Requests {#c_AddRemove_IR .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/IR/topics/c_agency_IR_AddRemove-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/IR/topics/c_agency_IR_AddRemove.md:chunk-0",
      "title": "Add and Remove Information Requests {#c_AddRemove_IR .concept}",
      "content": "# Add and Remove Information Requests \n\nOnce the scope is marked complete, agency and standard core information requests \\(IRs\\) that match the scope type of the supervisory activity \\(SA\\) are automatically added to the SA by the system for single-state exams.\n\nInformation requests are managed in the SES Library. See Managing the Library for more information.\n\n**Note:** For multi-state SAs, only the standard core IRs that match the scope type of the SA are added.\n\nBefore an IR is sent to the company, it can be updated or removed. However, after an IR is sent to the company, it cannot be removed.\n\n**Note:** Any active agency participant on a supervisory activity can add or remove an information request. If you are conducting an investigation, the core and non-core designation for IRs is not automatically added.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\IR\\topics\\c_agency_IR_AddRemove.md",
      "relative_path": "maps\\SES\\chapter\\IR\\topics\\c_agency_IR_AddRemove.md",
      "headings": [
        "Add and Remove Information Requests {#c_AddRemove_IR .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/IR/topics/c_agency_IR_AddRemove.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/IR/topics/c_agency_IR_responseReview.md:chunk-0",
      "title": "Reviewing Information Request Responses {#c_ReviewingInformaitonRequestResponses .concept}",
      "content": "# Reviewing Information Request Responses \n\nOnce a company responds to your information requests \\(IRs\\), your exam team can begin reviewing IR responses.\n\n-   **Moving to In-Flight**  \nIn-Flight is a Supervisory Activity workflow Milestone. It is recommended to move an SA to In-Flight when IR responses are being reviewed.\n-   **Reviewing SA Information Request Responses for Agency Users**  \nThese instructions describe how to review IR responses sent by a company from the Information Requests tab.\n-   **Reviewing QuickIR Responses Sent by a Company**  \nHow to review information request responses sent by a company that were completed using the QuickIR feature. See QuickIR for more information.\n-   **Searching IR Responses**  \nAfter a company has sent IR responses to the requesting agency, you can search through the responses by filename, keyword, response text, and QuickIR status.\n-   **Marking an IR Response Quick Look Complete**  \nMarking an IR response **Quick Look Complete** informs other participants that the IR response has been looked at. The company does not get notified about this selection.\n-   **Sending an IR Response back to the Company**  \nIn the case of an insufficient Information Requests Response from a company, you can return the response.\n-   **Responding to a Company's Request to Send Back an IR**  \nAfter a company sends an IR response, the company can request the examining agency to send back the IR for updates.\n\n**Parent topic:**Information Requests",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\IR\\topics\\c_agency_IR_responseReview.md",
      "relative_path": "maps\\SES\\chapter\\IR\\topics\\c_agency_IR_responseReview.md",
      "headings": [
        "Reviewing Information Request Responses {#c_ReviewingInformaitonRequestResponses .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/IR/topics/c_agency_IR_responseReview.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/IR/topics/c_agency_IR_sendToCompany-1.md:chunk-0",
      "title": "Sending Information Requests to the Company {#c_agency_IR_sendToCompany .concept}",
      "content": "# Sending Information Requests to the Company \n\nOnce the scope is marked complete, the Plan and Information Requests submenus appear. Additionally, the agency and standard core information requests \\(IRs\\) from the library are added to the supervisory activity and can be sent to the company.\n\nAfter adding any custom IRs, you can select the IRs you want to send to the company.\n\n**Note:** While examiners can add information requests to the SA, only staff users from the lead agency assigned as a participant on the SA and the examiner in charge \\(EIC\\) can send them to the company.\n\nIf you are conducting an investigation, the core and non-core designation for IRs is not automatically added.\n\n-   **Sending SA Information Requests**  \nAfter information requests have been added to the SA, the EIC or a staff user can send them to the company. IRs can be sent individually or all at once, and if this is the first time working with the company, you can send reminders to complete enrollment.\n-   **Sending Supplemental Information Requests**  \nLearn how to send supplemental information requests \\(IRs\\) to the company before they have responded to IRs you have already sent.\n-   **Updating Information Request Due Dates**  \nYou can update the due date for information requests that have already been sent to the company.\n-   **Auto-Sending Information Requests**  \nAfter marking the scope complete and before sending the report of examination, you can use the Auto Send IRs feature to send all IRs on a specific date, and assign the same company response due date to all.\n\n**Parent topic:**Information Requests",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\IR\\topics\\c_agency_IR_sendToCompany-1.md",
      "relative_path": "maps\\SES\\chapter\\IR\\topics\\c_agency_IR_sendToCompany-1.md",
      "headings": [
        "Sending Information Requests to the Company {#c_agency_IR_sendToCompany .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/IR/topics/c_agency_IR_sendToCompany-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/IR/topics/c_agency_IR_sendToCompany.md:chunk-0",
      "title": "Sending Information Requests to the Company {#c_agency_IR_sendToCompany .concept}",
      "content": "# Sending Information Requests to the Company \n\nOnce the scope is marked complete, the Plan and Information Requests submenus appear. Additionally, the agency and standard core information requests \\(IRs\\) from the library are added to the supervisory activity and can be sent to the company.\n\nAfter adding any custom IRs, you can select the IRs you want to send to the company.\n\n**Note:** While examiners can add information requests to the SA, only staff users from the lead agency assigned as a participant on the SA and the examiner in charge \\(EIC\\) can send them to the company.\n\nIf you are conducting an investigation, the core and non-core designation for IRs is not automatically added.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\IR\\topics\\c_agency_IR_sendToCompany.md",
      "relative_path": "maps\\SES\\chapter\\IR\\topics\\c_agency_IR_sendToCompany.md",
      "headings": [
        "Sending Information Requests to the Company {#c_agency_IR_sendToCompany .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/IR/topics/c_agency_IR_sendToCompany.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/IR/topics/c_company_IR_FileSharingLink-1.md:chunk-0",
      "title": "File Sharing Links {#xd_3daaf0d126289c2f-936c3ba-1866aa53950--7fee .concept}",
      "content": "# File Sharing Links \n\nSES allows you to use file sharing links when sending documents to the agency as part of a supervisory activity.\n\n## Introduction \n\nAs part of a supervisory activity, agencies request that companies send them documents, typically for information requests or loan requests.\n\nSES has limitations with regard to the number and size of files that can be manually uploaded. To make the process of sharing multiple files easier, SES allows for the use of an external file sharing platform \\(i.e., File Sharing Link\\).\n\nFile sharing links can be generated by using services like Dropbox, WeTransfer, or Box.\n\nFile Sharing Links can be used when Adding Information Request Responses in Bulk or Responding to Loan Requests.\n\n## When To Use File Sharing Links \n\nIt is recommended to use file sharing links instead of manually uploading documents when the following applies:\n\n-   File size is larger than 1 GB. The system does not allow for uploads larger than 1 GB.\n-   You are trying to upload more than 25 files at once. You may upload as many files as you want manually, but using a file sharing platform will make the process easier.\n\n## File Sharing Link Locations in SES \n\nYou can find the File Sharing Link form in the Add Information Request Response page:\n\nYou can also find the File Sharing Link form in the Add Loan Request Response page:\n\n**Note:** If the agency has provided a file sharing link, the New Response screen will display the link, with instructions to Notify Agency of Loan Requests Shared Externally.\n\n## File Upload Restrictions for Manual Uploads \n\nPlease note the following restrictions with regard to file uploads in SES. It is recommended to use a ZIP folder or File Sharing Links when uploading large files or more than 25 files at a time.\n\n-   **File formats supported**: SES will accept all file formats, but the following commonly supported file types are recommended: PDF, Word®, Excel®, CSV, ZIP\n-   **Max file size**: 1 GB\n-   **For files larger tha",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\IR\\topics\\c_company_IR_FileSharingLink-1.md",
      "relative_path": "maps\\SES\\chapter\\IR\\topics\\c_company_IR_FileSharingLink-1.md",
      "headings": [
        "File Sharing Links {#xd_3daaf0d126289c2f-936c3ba-1866aa53950--7fee .concept}",
        "Introduction {#section_irq_bbg_qwb .section}",
        "When To Use File Sharing Links {#section_cwz_sbg_qwb .section}",
        "File Sharing Link Locations in SES {#section_uwg_jbg_qwb .section}",
        "File Upload Restrictions for Manual Uploads {#section_r1l_gbg_qwb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/IR/topics/c_company_IR_FileSharingLink-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/IR/topics/c_company_IR_FileSharingLink-1.md:chunk-1",
      "title": "File Sharing Links {#xd_3daaf0d126289c2f-936c3ba-1866aa53950--7fee .concept}",
      "content": "mats supported**: SES will accept all file formats, but the following commonly supported file types are recommended: PDF, Word®, Excel®, CSV, ZIP\n-   **Max file size**: 1 GB\n-   **For files larger than 1 GB[^1]:**\n    -   Use ZIP compression to reduce file to less than 1 GB[^1]\n    -   Split the file into multiple smaller files\n    -   Use File Sharing Links.\n-   **Max no. characters per file name:** 200\n-   **Max no. files per upload**: 25, for uploads larger than 25 total files:\n    1.  Upload first 25.\n    2.  Select the **Save Draft** option in Available Next Actions then click the **Save Draft** button.\n\n        **Note:** You may need to refresh the screen to see that the files have uploaded to the system.\n\n    3.  Return to the response screen to upload the next 25 files and repeat.\n-   **Total no. files**: unlimited\n\n**Parent topic:**Information Requests\n\n[^1]: For documents uploaded to the Interactions tab, the maximum file size is 25 MB.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\IR\\topics\\c_company_IR_FileSharingLink-1.md",
      "relative_path": "maps\\SES\\chapter\\IR\\topics\\c_company_IR_FileSharingLink-1.md",
      "headings": [
        "File Sharing Links {#xd_3daaf0d126289c2f-936c3ba-1866aa53950--7fee .concept}",
        "Introduction {#section_irq_bbg_qwb .section}",
        "When To Use File Sharing Links {#section_cwz_sbg_qwb .section}",
        "File Sharing Link Locations in SES {#section_uwg_jbg_qwb .section}",
        "File Upload Restrictions for Manual Uploads {#section_r1l_gbg_qwb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/IR/topics/c_company_IR_FileSharingLink-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/IR/topics/c_company_IR_FileSharingLink.md:chunk-0",
      "title": "File Sharing Links {#xd_3daaf0d126289c2f-936c3ba-1866aa53950--7fee .concept}",
      "content": "# File Sharing Links \n\nSES allows you to use file sharing links when sending documents to the agency as part of a supervisory activity.\n\n## Introduction \n\nAs part of a supervisory activity, agencies request that companies send them documents, typically for information requests or loan requests.\n\nSES has limitations with regard to the number and size of files that can be manually uploaded. To make the process of sharing multiple files easier, SES allows for the use of an external file sharing platform \\(i.e., File Sharing Link\\).\n\nFile sharing links can be generated by using services like Dropbox, WeTransfer, or Box.\n\nFile Sharing Links can be used when Adding Information Request Responses in Bulk or Responding to Loan Requests.\n\n## When To Use File Sharing Links \n\nIt is recommended to use file sharing links instead of manually uploading documents when the following applies:\n\n-   File size is larger than 1 GB. The system does not allow for uploads larger than 1 GB.\n-   You are trying to upload more than 25 files at once. You may upload as many files as you want manually, but using a file sharing platform will make the process easier.\n\n## File Sharing Link Locations in SES \n\nYou can find the File Sharing Link form in the Add Information Request Response page:\n\nYou can also find the File Sharing Link form in the Add Loan Request Response page:\n\n**Note:** If the agency has provided a file sharing link, the New Response screen will display the link, with instructions to Notify Agency of Loan Requests Shared Externally.\n\n## File Upload Restrictions for Manual Uploads \n\nPlease note the following restrictions with regard to file uploads in SES. It is recommended to use a ZIP folder or File Sharing Links when uploading large files or more than 25 files at a time.\n\n-   **File formats supported**: SES will accept all file formats, but the following commonly supported file types are recommended: PDF, Word®, Excel®, CSV, ZIP\n-   **Max file size**: 1 GB\n-   **For files larger tha",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\IR\\topics\\c_company_IR_FileSharingLink.md",
      "relative_path": "maps\\SES\\chapter\\IR\\topics\\c_company_IR_FileSharingLink.md",
      "headings": [
        "File Sharing Links {#xd_3daaf0d126289c2f-936c3ba-1866aa53950--7fee .concept}",
        "Introduction {#section_irq_bbg_qwb .section}",
        "When To Use File Sharing Links {#section_cwz_sbg_qwb .section}",
        "File Sharing Link Locations in SES {#section_uwg_jbg_qwb .section}",
        "File Upload Restrictions for Manual Uploads {#section_r1l_gbg_qwb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/IR/topics/c_company_IR_FileSharingLink.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/IR/topics/c_company_IR_FileSharingLink.md:chunk-1",
      "title": "File Sharing Links {#xd_3daaf0d126289c2f-936c3ba-1866aa53950--7fee .concept}",
      "content": "mats supported**: SES will accept all file formats, but the following commonly supported file types are recommended: PDF, Word®, Excel®, CSV, ZIP\n-   **Max file size**: 1 GB\n-   **For files larger than 1 GB[^1]:**\n    -   Use ZIP compression to reduce file to less than 1 GB[^1]\n    -   Split the file into multiple smaller files\n    -   Use File Sharing Links.\n-   **Max no. characters per file name:** 200\n-   **Max no. files per upload**: 25, for uploads larger than 25 total files:\n    1.  Upload first 25.\n    2.  Select the **Save Draft** option in Available Next Actions then click the **Save Draft** button.\n\n        **Note:** You may need to refresh the screen to see that the files have uploaded to the system.\n\n    3.  Return to the response screen to upload the next 25 files and repeat.\n-   **Total no. files**: unlimited\n\n[^1]: For documents uploaded to the Interactions tab, the maximum file size is 25 MB.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\IR\\topics\\c_company_IR_FileSharingLink.md",
      "relative_path": "maps\\SES\\chapter\\IR\\topics\\c_company_IR_FileSharingLink.md",
      "headings": [
        "File Sharing Links {#xd_3daaf0d126289c2f-936c3ba-1866aa53950--7fee .concept}",
        "Introduction {#section_irq_bbg_qwb .section}",
        "When To Use File Sharing Links {#section_cwz_sbg_qwb .section}",
        "File Sharing Link Locations in SES {#section_uwg_jbg_qwb .section}",
        "File Upload Restrictions for Manual Uploads {#section_r1l_gbg_qwb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/IR/topics/c_company_IR_FileSharingLink.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/IR/topics/c_company_IR_chapter.md:chunk-0",
      "title": "Information Requests {#c_company_IR_chapter .concept}",
      "content": "# Information Requests \n\nInformation Requests are used by the examining or investigating agency to obtain information relevant to the supervisory activity. Your company lead can respond to these information requests directly or assign them to other participants at your company.\n\n-   **File Sharing Links**  \nSES allows you to use file sharing links when sending documents to the agency as part of a supervisory activity.\n-   **Uploading Documents**  \nHow to upload documents in SES.\n-   **Assigning Information Requests \\(IRs\\)**  \nThe task of responding to information requests \\(IRs\\) can be delegated to participants on an exam.\n-   **Assigning IRs by Area for Review**  \nThe task of responding to information requests \\(IRs\\) can be delegated to participants on an exam. Assigning IRs by AFRs allows for bulk assignment.\n-   **Responding to Supervisory Activity Information Requests**  \nThe initial set of IRs accompany the SA when it is first sent to the company. The Company Lead can respond to the IRs or assign the IRs to company SA participants.\n\n**Parent topic:**SES Examinations and Investigations Resources for Companies",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\IR\\topics\\c_company_IR_chapter.md",
      "relative_path": "maps\\SES\\chapter\\IR\\topics\\c_company_IR_chapter.md",
      "headings": [
        "Information Requests {#c_company_IR_chapter .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/IR/topics/c_company_IR_chapter.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/IR/topics/c_company_IR_respond-1.md:chunk-0",
      "title": "Responding to Supervisory Activity Information Requests {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7ffd .concept}",
      "content": "# Responding to Supervisory Activity Information Requests \n\nThe initial set of IRs accompany the SA when it is first sent to the company. The Company Lead can respond to the IRs or assign the IRs to company SA participants.\n\nOutstanding information requests can be found on the homepage by clicking on the **IRs quick filter** in the middle.\n\nYou cannot view the details of an IR or submit responses until you assign your company contacts. See Assigning Company Contacts for more information.\n\nSee Adding Information Request Responses in Bulk for information on how to add responses to many information requests at one time, queuing them up to be sent to the agency at a later time.\n\nSee Sending an IR Response to the Agency for information on how to add a response to a single information request as the Company Lead, getting it ready to send to the agency right away.\n\n-   **Adding Information Request Responses in Bulk**  \nHow to add responses to many information requests at one time, queuing them up to be sent to the agency at a later time.\n-   **Reviewing SA Information Request Responses as Company Lead**  \nSA participants, other than the company lead, must send the drafted response for review. Once an IR is sent for review, it is removed from the list of IRs.\n-   **Sending an IR Response to the Agency**  \nOnce the company lead has conducted the review or completed the initial draft response, the IR response can be sent immediately upon completion and need not wait until a set of responses is available.\n-   **Sending IR Responses to the Agency in Bulk**  \nRather than responding to individual IRs, you can send IR responses that are in “In Review” or “Ready to Send” status to the agency in bulk.\n-   **Requesting the Agency to Send Back an Information Request**  \nThe Company Lead on an SA can request that the examining agency send back an information request for updates. The company contributor assigned to the IR can also request the agency to send back the IR.\n-   **Searching ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\IR\\topics\\c_company_IR_respond-1.md",
      "relative_path": "maps\\SES\\chapter\\IR\\topics\\c_company_IR_respond-1.md",
      "headings": [
        "Responding to Supervisory Activity Information Requests {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7ffd .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/IR/topics/c_company_IR_respond-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/IR/topics/c_company_IR_respond-1.md:chunk-1",
      "title": "Responding to Supervisory Activity Information Requests {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7ffd .concept}",
      "content": "n an SA can request that the examining agency send back an information request for updates. The company contributor assigned to the IR can also request the agency to send back the IR.\n-   **Searching IR Responses**  \nAfter a company has sent IR responses to the requesting agency, you can search through the responses by filename, keyword, response text, and QuickIR status.\n-   **Exporting a List of Information Requests**  \nYou can export the list of information requests sent to your company to an Excel® spreadsheet.\n-   **Reviewing QuickIR Responses Sent to the Agency**  \nHow to review information request responses sent by your company that were completed using the QuickIR feature. See QuickIR for more information.\n\n**Parent topic:**Information Requests",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\IR\\topics\\c_company_IR_respond-1.md",
      "relative_path": "maps\\SES\\chapter\\IR\\topics\\c_company_IR_respond-1.md",
      "headings": [
        "Responding to Supervisory Activity Information Requests {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7ffd .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/IR/topics/c_company_IR_respond-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/IR/topics/c_company_IR_respond.md:chunk-0",
      "title": "Responding to Supervisory Activity Information Requests {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7ffd .concept}",
      "content": "# Responding to Supervisory Activity Information Requests \n\nThe initial set of IRs accompany the SA when it is first sent to the company. The Company Lead can respond to the IRs or assign the IRs to company SA participants.\n\nOutstanding information requests can be found on the homepage by clicking on the **IRs quick filter** in the middle.\n\nYou cannot view the details of an IR or submit responses until you assign your company contacts. See Assigning Company Contacts for more information.\n\nSee Adding Information Request Responses in Bulk for information on how to add responses to many information requests at one time, queuing them up to be sent to the agency at a later time.\n\nSee Sending an IR Response to the Agency for information on how to add a response to a single information request as the Company Lead, getting it ready to send to the agency right away.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\IR\\topics\\c_company_IR_respond.md",
      "relative_path": "maps\\SES\\chapter\\IR\\topics\\c_company_IR_respond.md",
      "headings": [
        "Responding to Supervisory Activity Information Requests {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7ffd .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/IR/topics/c_company_IR_respond.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/IR/topics/t_agency_IR_Adding.md:chunk-0",
      "title": "Adding Information Requests {#t_AddingIRs .task}",
      "content": "# Adding Information Requests \n\nUse this procedure to add Non-core IRs to the SA.\n\nWhen the supervisory activity Scope is marked complete, the Core information requests associated with the Area for Review added to the scope are automatically added to the supervisory activity.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Information Requests** > **Add Information Requests**.\n\n    \n\n    \n\n3.  Select the desired **Area for Review \\(AFR\\)** from the **Area for Review** drop-down menu.\n\n    \n\n    **Note:** This drop-down menu only contains AFRs that were added while Defining the Scope by Creating a New Scope\n\n4.  Click the **+** icon to add additional non-core information requests to the queue.\n\n    \n\n    **Note:** Only non-core and those IRs that do not have the same scope type appear in this list with the ability to add to the SA. You can edit standard IR text before sending to the company.\n\n5.  Click **View Queue** in the bottom right.\n\n    \n\n6.  Select **Save Information Requests**.\n\n7.  Click **Save Information Requests**.\n\n    \n\n**Parent topic:**Add and Remove Information Requests",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\IR\\topics\\t_agency_IR_Adding.md",
      "relative_path": "maps\\SES\\chapter\\IR\\topics\\t_agency_IR_Adding.md",
      "headings": [
        "Adding Information Requests {#t_AddingIRs .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/IR/topics/t_agency_IR_Adding.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/IR/topics/t_agency_IR_Removing.md:chunk-0",
      "title": "Removing Information Requests {#t_removingIRs .task}",
      "content": "# Removing Information Requests \n\nYou can remove information requests from a supervisory activity.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Information Requests** > **Remove Information Requests**.\n\n    \n\n    \n\n    **Note:** You can remove an individual IR that has not been sent to the company by clicking the **Action** menu and selecting **Remove Information Request**.\n\n    \n\n3.  Click the **X** icon next to the IRs you want to remove.\n\n    \n\n    **Note:** The  icon changes to a clock icon  indicating that it is pending removal\n\n4.  Add any comments regarding the removal of the IR that you want displayed on the Summary tab of the supervisory activity.\n\n5.  Click **Remove Information Requests**.\n\n    \n\n6.  Click **Confirm**.\n\n**Parent topic:**Add and Remove Information Requests",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\IR\\topics\\t_agency_IR_Removing.md",
      "relative_path": "maps\\SES\\chapter\\IR\\topics\\t_agency_IR_Removing.md",
      "headings": [
        "Removing Information Requests {#t_removingIRs .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/IR/topics/t_agency_IR_Removing.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/IR/topics/t_agency_IR_Response_quickLookComplete.md:chunk-0",
      "title": "Marking an IR Response Quick Look Complete {#t_markingAnIrResponseQuickLookComplete .task}",
      "content": "# Marking an IR Response Quick Look Complete \n\nMarking an IR response **Quick Look Complete** informs other participants that the IR response has been looked at. The company does not get notified about this selection.\n\n1.  Click **Quick Look Compete**.\n\n    \n\n2.  Click **Remove Quick Look** to revert the IR response to an unreviewed status.\n\n    \n\n**Parent topic:**Reviewing Information Request Responses\n\n**Related information**  \n\nMoving to In-Flight\n\nReviewing SA Information Request Responses for Agency Users\n\nReviewing QuickIR Responses Sent by a Company\n\nSearching IR Responses\n\nSending an IR Response back to the Company\n\nResponding to a Company's Request to Send Back an IR",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\IR\\topics\\t_agency_IR_Response_quickLookComplete.md",
      "relative_path": "maps\\SES\\chapter\\IR\\topics\\t_agency_IR_Response_quickLookComplete.md",
      "headings": [
        "Marking an IR Response Quick Look Complete {#t_markingAnIrResponseQuickLookComplete .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/IR/topics/t_agency_IR_Response_quickLookComplete.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/IR/topics/t_agency_IR_Response_quickLookComplete_2.md:chunk-0",
      "title": "Marking an IR Response Quick Look Complete {#t_markingAnIrResponseQuickLookComplete .task}",
      "content": "# Marking an IR Response Quick Look Complete \n\nMarking an IR response **Quick Look Complete** informs other participants that the IR response has been looked at. The company does not get notified about this selection.\n\n1.  Click **Quick Look Compete**.\n\n    \n\n2.  Click **Remove Quick Look** to revert the IR response to an unreviewed status.\n\n    \n\n**Parent topic:**Conducting the Exam: Reviewing Information Request Responses",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\IR\\topics\\t_agency_IR_Response_quickLookComplete_2.md",
      "relative_path": "maps\\SES\\chapter\\IR\\topics\\t_agency_IR_Response_quickLookComplete_2.md",
      "headings": [
        "Marking an IR Response Quick Look Complete {#t_markingAnIrResponseQuickLookComplete .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/IR/topics/t_agency_IR_Response_quickLookComplete_2.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/IR/topics/t_agency_IR_Review_sendResponseBackToCompany.md:chunk-0",
      "title": "Sending an IR Response back to the Company {#t_sendingAnIrResponseBackToCompany .task}",
      "content": "# Sending an IR Response back to the Company \n\nIn the case of an insufficient Information Requests Response from a company, you can return the response.\n\nPlease note the following restrictions with regard to file uploads in SES. It is recommended to use a ZIP folder or File Sharing Links when uploading large files or more than 25 files at a time.\n\n-   **File formats supported**: SES will accept all file formats, but the following commonly supported file types are recommended: PDF, Word®, Excel®, CSV, ZIP\n-   **Max file size**: 1 GB\n-   **For files larger than 1 GB[^1]:**\n    -   Use ZIP compression to reduce file to less than 1 GB[^1]\n    -   Split the file into multiple smaller files\n    -   Use File Sharing Links.\n-   **Max no. characters per file name:** 200\n-   **Max no. files per upload**: 25, for uploads larger than 25 total files:\n    1.  Upload first 25.\n    2.  Select the **Save Draft** option in Available Next Actions then click the **Save Draft** button.\n\n        **Note:** You may need to refresh the screen to see that the files have uploaded to the system.\n\n    3.  Return to the response screen to upload the next 25 files and repeat.\n-   **Total no. files**: unlimited\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Search for and select the **SA ID** you would like to access.\n\n    \n\n3.  Click **Information Requests**.\n\n    \n\n4.  Click the IR Details tab.\n\n    \n\n5.  To send the IR back without viewing the details:\n\n    1.  Select **Send Back to Company** from the **Action** menu.\n\n        \n\n    2.  Proceed to Step 7.\n\n6.  To view the IR details before sending the IR back:\n\n    1.  Click the **IR ID**.\n\n    2.  Click **Remove Quick Look** to revert the IR response to an unreviewed status.\n\n        \n\n    3.  Click **Send Back to Company**.\n\n        \n\n7.  Select a **Due Date**.\n\n8.  Provide a **Response** explaining why the Information Requests response is being sent back, uploading any necessary documents.\n\n9.  Click **Send Back to Company**.\n\n    \n\n",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\IR\\topics\\t_agency_IR_Review_sendResponseBackToCompany.md",
      "relative_path": "maps\\SES\\chapter\\IR\\topics\\t_agency_IR_Review_sendResponseBackToCompany.md",
      "headings": [
        "Sending an IR Response back to the Company {#t_sendingAnIrResponseBackToCompany .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/IR/topics/t_agency_IR_Review_sendResponseBackToCompany.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/IR/topics/t_agency_IR_Review_sendResponseBackToCompany.md:chunk-1",
      "title": "Sending an IR Response back to the Company {#t_sendingAnIrResponseBackToCompany .task}",
      "content": " Select a **Due Date**.\n\n8.  Provide a **Response** explaining why the Information Requests response is being sent back, uploading any necessary documents.\n\n9.  Click **Send Back to Company**.\n\n    \n\n**Parent topic:**Reviewing Information Request Responses\n\n**Related information**  \n\nMoving to In-Flight\n\nReviewing SA Information Request Responses for Agency Users\n\nReviewing QuickIR Responses Sent by a Company\n\nSearching IR Responses\n\nMarking an IR Response Quick Look Complete\n\nResponding to a Company's Request to Send Back an IR\n\n[^1]: For documents uploaded to the Interactions tab, the maximum file size is 25 MB.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\IR\\topics\\t_agency_IR_Review_sendResponseBackToCompany.md",
      "relative_path": "maps\\SES\\chapter\\IR\\topics\\t_agency_IR_Review_sendResponseBackToCompany.md",
      "headings": [
        "Sending an IR Response back to the Company {#t_sendingAnIrResponseBackToCompany .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/IR/topics/t_agency_IR_Review_sendResponseBackToCompany.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/IR/topics/t_agency_IR_Review_sendResponseBackToCompany_2.md:chunk-0",
      "title": "Sending an IR Response back to the Company {#t_sendingAnIrResponseBackToCompany .task}",
      "content": "# Sending an IR Response back to the Company \n\nIn the case of an insufficient Information Requests Response from a company, you can return the response.\n\nPlease note the following restrictions with regard to file uploads in SES. It is recommended to use a ZIP folder or File Sharing Links when uploading large files or more than 25 files at a time.\n\n-   **File formats supported**: SES will accept all file formats, but the following commonly supported file types are recommended: PDF, Word®, Excel®, CSV, ZIP\n-   **Max file size**: 1 GB\n-   **For files larger than 1 GB[^1]:**\n    -   Use ZIP compression to reduce file to less than 1 GB[^1]\n    -   Split the file into multiple smaller files\n    -   Use File Sharing Links.\n-   **Max no. characters per file name:** 200\n-   **Max no. files per upload**: 25, for uploads larger than 25 total files:\n    1.  Upload first 25.\n    2.  Select the **Save Draft** option in Available Next Actions then click the **Save Draft** button.\n\n        **Note:** You may need to refresh the screen to see that the files have uploaded to the system.\n\n    3.  Return to the response screen to upload the next 25 files and repeat.\n-   **Total no. files**: unlimited\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Search for and select the **SA ID** you would like to access.\n\n    \n\n3.  Click **Information Requests**.\n\n    \n\n4.  Click the IR Details tab.\n\n    \n\n5.  To send the IR back without viewing the details:\n\n    1.  Select **Send Back to Company** from the **Action** menu.\n\n        \n\n    2.  Proceed to Step 7.\n\n6.  To view the IR details before sending the IR back:\n\n    1.  Click the **IR ID**.\n\n    2.  Click **Remove Quick Look** to revert the IR response to an unreviewed status.\n\n        \n\n    3.  Click **Send Back to Company**.\n\n        \n\n7.  Select a **Due Date**.\n\n8.  Provide a **Response** explaining why the Information Requests response is being sent back, uploading any necessary documents.\n\n9.  Click **Send Back to Company**.\n\n    \n\n",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\IR\\topics\\t_agency_IR_Review_sendResponseBackToCompany_2.md",
      "relative_path": "maps\\SES\\chapter\\IR\\topics\\t_agency_IR_Review_sendResponseBackToCompany_2.md",
      "headings": [
        "Sending an IR Response back to the Company {#t_sendingAnIrResponseBackToCompany .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/IR/topics/t_agency_IR_Review_sendResponseBackToCompany_2.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/IR/topics/t_agency_IR_Review_sendResponseBackToCompany_2.md:chunk-1",
      "title": "Sending an IR Response back to the Company {#t_sendingAnIrResponseBackToCompany .task}",
      "content": " Select a **Due Date**.\n\n8.  Provide a **Response** explaining why the Information Requests response is being sent back, uploading any necessary documents.\n\n9.  Click **Send Back to Company**.\n\n    \n\n**Parent topic:**Conducting the Exam: Reviewing Information Request Responses\n\n[^1]: For documents uploaded to the Interactions tab, the maximum file size is 25 MB.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\IR\\topics\\t_agency_IR_Review_sendResponseBackToCompany_2.md",
      "relative_path": "maps\\SES\\chapter\\IR\\topics\\t_agency_IR_Review_sendResponseBackToCompany_2.md",
      "headings": [
        "Sending an IR Response back to the Company {#t_sendingAnIrResponseBackToCompany .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/IR/topics/t_agency_IR_Review_sendResponseBackToCompany_2.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/IR/topics/t_agency_IR_SA_updatingDueDate.md:chunk-0",
      "title": "Updating Information Request Due Dates {#t_agency_IR_SA_updatingDueDate .task}",
      "content": "# Updating Information Request Due Dates \n\nYou can update the due date for information requests that have already been sent to the company.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Search for and select the **SA ID** you would like to access.\n\n    \n\n3.  Click **Information Requests** > **…** > **Update Due Dates**.\n\n    \n\n    **Note:** To update the Due Date for an individual IR, click the Action menu and select **Update Due Date**.\n\n    \n\n4.  Select the **New Due Date**.\n\n5.  Select the information requests that you wish to update due dates for by clicking anywhere on the row.\n\n6.  Click **Update Due Dates**.\n\n    \n\n**Parent topic:**Sending Information Requests to the Company",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\IR\\topics\\t_agency_IR_SA_updatingDueDate.md",
      "relative_path": "maps\\SES\\chapter\\IR\\topics\\t_agency_IR_SA_updatingDueDate.md",
      "headings": [
        "Updating Information Request Due Dates {#t_agency_IR_SA_updatingDueDate .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/IR/topics/t_agency_IR_SA_updatingDueDate.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/IR/topics/t_agency_IR_addingInternalAgencyComments.md:chunk-0",
      "title": "Adding Internal Agency Notes to an Information Request {#xd_2b3305af4d4567d9-5d5818f3-19286bc1ee2--7ff6 .task}",
      "content": "# Adding Internal Agency Notes to an Information Request \n\nYou can add notes to an information request that are only viewable by active agency participants on a supervisory activity.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Search for and select the **SA ID** you would like to access.\n\n    \n\n3.  Click **Information Requests**.\n\n    \n\n4.  Click the **Action** menu for the desired IR.\n\n5.  Select **Add Internal Agency Notes**.\n\n    \n\n6.  Add your notes.\n\n7.  Click **Add Internal Agency Notes**.\n\n**Parent topic:**Add and Remove Information Requests",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\IR\\topics\\t_agency_IR_addingInternalAgencyComments.md",
      "relative_path": "maps\\SES\\chapter\\IR\\topics\\t_agency_IR_addingInternalAgencyComments.md",
      "headings": [
        "Adding Internal Agency Notes to an Information Request {#xd_2b3305af4d4567d9-5d5818f3-19286bc1ee2--7ff6 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/IR/topics/t_agency_IR_addingInternalAgencyComments.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/IR/topics/t_agency_IR_autosend.md:chunk-0",
      "title": "Auto-Sending Information Requests {#xd_90f2bef5a79901d9--3711426d-1926289d8fe--7ffa .task}",
      "content": "# Auto-Sending Information Requests \n\nAfter marking the scope complete and before sending the report of examination, you can use the Auto Send IRs feature to send all IRs on a specific date, and assign the same company response due date to all.\n\n**Note:** You can only automatically send IRs to the company once per supervisory activity. After you have automatically sent IRs to the company, you must manually send all subsequent IRs.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Search for and select the **SA ID** you would like to access.\n\n    \n\n3.  Click **Information Requests**.\n\n    \n\n4.  Click **Auto Send IRs**.\n\n    \n\n    The Auto Send Information Requests page is displayed.\n\n    \n\n5.  Select **Yes**.\n\n6.  Select the **Send IRs On** date.\n\n7.  Select the **Company Response Due Date**.\n\n8.  Click **Auto Send IRs**.\n\n    **Note:** You cannot send documents along with IRs that are sent using the Auto Send IRs feature.\n\n**Parent topic:**Sending Information Requests to the Company",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\IR\\topics\\t_agency_IR_autosend.md",
      "relative_path": "maps\\SES\\chapter\\IR\\topics\\t_agency_IR_autosend.md",
      "headings": [
        "Auto-Sending Information Requests {#xd_90f2bef5a79901d9--3711426d-1926289d8fe--7ffa .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/IR/topics/t_agency_IR_autosend.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/IR/topics/t_agency_IR_canceling.md:chunk-0",
      "title": "Canceling Information Requests for a Supervisory Activity {#xd_3d2360eb0ff912f3--7c5d8f31-184958e9781--7ffd .task}",
      "content": "# Canceling Information Requests for a Supervisory Activity \n\nYou can cancel information requests for a supervisory activity \\(SA\\) that have been sent to the company prior to the company sending a response.\n\nStaff users that are a participant on a supervisory activity and the EIC can cancel information requests.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Information Requests**.\n\n    \n\n3.  Click the IR Insights tab.\n\n    \n\n4.  Click the **Sent to Company** filter icon.\n\n    \n\n5.  Click the **IR ID** hyperlink for the desired IR in a “Sent to Company” status.\n\n    \n\n6.  Click **Cancel Information Request**.\n\n    \n\n7.  Click **Cancel Information Request**.\n\n    \n\n    **Note:** The company will no longer be able to respond to the information request.\n\n    The company is sent a notification that the information request was canceled.\n\n**Parent topic:**Add and Remove Information Requests",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\IR\\topics\\t_agency_IR_canceling.md",
      "relative_path": "maps\\SES\\chapter\\IR\\topics\\t_agency_IR_canceling.md",
      "headings": [
        "Canceling Information Requests for a Supervisory Activity {#xd_3d2360eb0ff912f3--7c5d8f31-184958e9781--7ffd .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/IR/topics/t_agency_IR_canceling.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/IR/topics/t_agency_IR_customAdding-1.md:chunk-0",
      "title": "Adding Custom Information Requests {#t_addingCustomIRs .task}",
      "content": "# Adding Custom Information Requests \n\nCustom IRs are only available within the exam that they were created in \\(i.e., this custom IR will not appear in any other exam\\).\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Information Requests** > **Add Information Requests**.\n\n    \n\n    \n\n3.  Click **Custom Information Request**.\n\n    \n\n4.  Enter the required information.\n\n5.  Click **Add to Queue** in the bottom right.\n\n    \n\n6.  Click **View Queue** in the bottom right.\n\n    \n\n7.  Select **Save Information Requests**.\n\n8.  Click **Save Information Requests**.\n\n    \n\n**Parent topic:**Add and Remove Information Requests",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\IR\\topics\\t_agency_IR_customAdding-1.md",
      "relative_path": "maps\\SES\\chapter\\IR\\topics\\t_agency_IR_customAdding-1.md",
      "headings": [
        "Adding Custom Information Requests {#t_addingCustomIRs .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/IR/topics/t_agency_IR_customAdding-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/IR/topics/t_agency_IR_customAdding.md:chunk-0",
      "title": "Adding Custom Information Requests {#t_addingCustomIRs .task}",
      "content": "# Adding Custom Information Requests \n\nCustom IRs are only available within the exam that they were created in \\(i.e., this custom IR will not appear in any other exam\\).\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Information Requests** > **Add Information Requests**.\n\n    \n\n    \n\n3.  Click **Custom Information Request**.\n\n    \n\n4.  Enter the required information.\n\n5.  Click **Add to Queue** in the bottom right.\n\n    \n\n6.  Click **View Queue** in the bottom right.\n\n    \n\n7.  Select **Save Information Requests**.\n\n8.  Click **Save Information Requests**.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\IR\\topics\\t_agency_IR_customAdding.md",
      "relative_path": "maps\\SES\\chapter\\IR\\topics\\t_agency_IR_customAdding.md",
      "headings": [
        "Adding Custom Information Requests {#t_addingCustomIRs .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/IR/topics/t_agency_IR_customAdding.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/IR/topics/t_agency_IR_export.dtia.md:chunk-0",
      "title": "Exporting Information Requests {#xd_7aef594cfa229fb0--3b91c214-1805bd2a8b5--7ff1 .task}",
      "content": "# Exporting Information Requests \n\nYou can export the information requests from your agency.\n\n**Note:** The export does not include responses made by the company.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Information Requests**.\n\n    \n\n3.  Click the IR Details tab.\n\n    \n\n4.  Click **Export to Excel** at the bottom of the grid.\n\n    \n\n    The exported data is emailed to you as an attachment.\n\n**Note:** The export is configured based on the way you have filtered the data in the system.\n\n**Parent topic:**Add and Remove Information Requests",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\IR\\topics\\t_agency_IR_export.dtia.md",
      "relative_path": "maps\\SES\\chapter\\IR\\topics\\t_agency_IR_export.dtia.md",
      "headings": [
        "Exporting Information Requests {#xd_7aef594cfa229fb0--3b91c214-1805bd2a8b5--7ff1 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/IR/topics/t_agency_IR_export.dtia.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/IR/topics/t_agency_IR_generalDocsComments_adding.md:chunk-0",
      "title": "Adding General Information Request Documents and Comments {#xd_2b3305af4d4567d9-5d5818f3-19286bc1ee2--7ff8 .task}",
      "content": "# Adding General Information Request Documents and Comments \n\nThe Staff Director and EIC can add general documents and comments to the Supervisory Activity Information Requests before the SA enters the Close Out milestone.\n\nFollow these steps to add comments or upload documents that apply to all IRs for an SA rather than uploading the same document to each IR.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Search for and select the **SA ID** you would like to access.\n\n    \n\n3.  Click **Information Requests**.\n\n    \n\n4.  Click **Add General IR Comment and Documents**.\n\n    \n\n5.  Type a **Comment**.\n\n    \n\n6.  Click **Upload** and select the document\\(s\\) to add, or drag and drop the documents in **Drop Files Here**.\n\n7.  Click **Add Documents**.\n\n**Parent topic:**Add and Remove Information Requests",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\IR\\topics\\t_agency_IR_generalDocsComments_adding.md",
      "relative_path": "maps\\SES\\chapter\\IR\\topics\\t_agency_IR_generalDocsComments_adding.md",
      "headings": [
        "Adding General Information Request Documents and Comments {#xd_2b3305af4d4567d9-5d5818f3-19286bc1ee2--7ff8 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/IR/topics/t_agency_IR_generalDocsComments_adding.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/IR/topics/t_agency_IR_moveInFlight.md:chunk-0",
      "title": "Moving to In-Flight {#t_MovingToInflight .task}",
      "content": "# Moving to In-Flight \n\nIn-Flight is a Supervisory Activity workflow Milestone. It is recommended to move an SA to In-Flight when IR responses are being reviewed.\n\n**Note:** All participants on a Supervisory Activity can move it to the In-Flight milestone.\n\n1.  Click **Move to In-Flight** in the top right.\n\n    \n\n2.  Click **Move to In-Flight** in the bottom right.\n\n    \n\n    Moving to In-Flight automatically adds standard and agency core Procedures for the selected Areas for Review \\(AFRs\\) and Scope type.\n\n    **Note:** If you are conducting an investigation, the core and non-core designation for procedures and IRs is not automatically added.\n\n3.  Click **Confirm**.\n\n    On the Summary page, we are now in the In-Flight milestone.\n\n    \n\n**Parent topic:**Reviewing Information Request Responses\n\n**Related information**  \n\nReviewing SA Information Request Responses for Agency Users\n\nReviewing QuickIR Responses Sent by a Company\n\nSearching IR Responses\n\nMarking an IR Response Quick Look Complete\n\nSending an IR Response back to the Company\n\nResponding to a Company's Request to Send Back an IR",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\IR\\topics\\t_agency_IR_moveInFlight.md",
      "relative_path": "maps\\SES\\chapter\\IR\\topics\\t_agency_IR_moveInFlight.md",
      "headings": [
        "Moving to In-Flight {#t_MovingToInflight .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/IR/topics/t_agency_IR_moveInFlight.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/IR/topics/t_agency_IR_moveInFlight_2.md:chunk-0",
      "title": "Moving to In-Flight {#t_MovingToInflight .task}",
      "content": "# Moving to In-Flight \n\nIn-Flight is a Supervisory Activity workflow Milestone. It is recommended to move an SA to In-Flight when IR responses are being reviewed.\n\n**Note:** All participants on a Supervisory Activity can move it to the In-Flight milestone.\n\n1.  Click **Move to In-Flight** in the top right.\n\n    \n\n2.  Click **Move to In-Flight** in the bottom right.\n\n    \n\n    Moving to In-Flight automatically adds standard and agency core Procedures for the selected Areas for Review \\(AFRs\\) and Scope type.\n\n    **Note:** If you are conducting an investigation, the core and non-core designation for procedures and IRs is not automatically added.\n\n3.  Click **Confirm**.\n\n    On the Summary page, we are now in the In-Flight milestone.\n\n    \n\n**Parent topic:**Conducting the Exam: Reviewing Information Request Responses",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\IR\\topics\\t_agency_IR_moveInFlight_2.md",
      "relative_path": "maps\\SES\\chapter\\IR\\topics\\t_agency_IR_moveInFlight_2.md",
      "headings": [
        "Moving to In-Flight {#t_MovingToInflight .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/IR/topics/t_agency_IR_moveInFlight_2.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/IR/topics/t_agency_IR_responsesReviewing.md:chunk-0",
      "title": "Reviewing SA Information Request Responses for Agency Users {#t_reviewingIrResponses .task}",
      "content": "# Reviewing SA Information Request Responses for Agency Users \n\nThese instructions describe how to review IR responses sent by a company from the Information Requests tab.\n\n**Note:** For information on how to review IR responses from the Examination tab, see the Conducting the Exam: Reviewing Information Request Responses article.\n\n1.  Click **Information Requests**.\n\n    \n\n2.  Click the IR Insights tab.\n\n    \n\n3.  Click the **Response Received** icon to filter your list of information requests to those that require review.\n\n    \n\n    **Note:** If you were anticipating more responses, look for the indicators that IRs are being worked on by the company:\n\n    -   IRs Being Worked on by Company Quick Filter\n\n        \n\n    -   IRs Being Worked on by Company Icon\n\n        \n\n4.  The Information Request Details quick filter opens, displaying the **IR responses**.\n\n5.  Click the **SA IR ID** hyperlink of the desired Information Request.\n\n    \n\n6.  From this screen, you can select:\n\n    -   **Quick Look Complete**\n    -   **Send Back to Company**\n    -   **Add Internal Agency Notes**\n    \n\n    For more information, see Marking an IR Response Quick Look Complete or Sending an IR Response back to the Company\n\n**Parent topic:**Reviewing Information Request Responses\n\n**Related information**  \n\nMoving to In-Flight\n\nReviewing QuickIR Responses Sent by a Company\n\nSearching IR Responses\n\nMarking an IR Response Quick Look Complete\n\nSending an IR Response back to the Company\n\nResponding to a Company's Request to Send Back an IR",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\IR\\topics\\t_agency_IR_responsesReviewing.md",
      "relative_path": "maps\\SES\\chapter\\IR\\topics\\t_agency_IR_responsesReviewing.md",
      "headings": [
        "Reviewing SA Information Request Responses for Agency Users {#t_reviewingIrResponses .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/IR/topics/t_agency_IR_responsesReviewing.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/IR/topics/t_agency_IR_sendBackReq_respond.md:chunk-0",
      "title": "Responding to a Company's Request to Send Back an IR {#xd_90f2bef5a79901d9--3711426d-1926289d8fe--7ffd .task}",
      "content": "# Responding to a Company's Request to Send Back an IR \n\nAfter a company sends an IR response, the company can request the examining agency to send back the IR for updates.\n\nThese requests are visible under **Send Back Requested** on the IR Insights tab.\n\nYou will also receive an email notification:\n\nPlease note the following restrictions with regard to file uploads in SES. It is recommended to use a ZIP folder or File Sharing Links when uploading large files or more than 25 files at a time.\n\n-   **File formats supported**: SES will accept all file formats, but the following commonly supported file types are recommended: PDF, Word®, Excel®, CSV, ZIP\n-   **Max file size**: 1 GB\n-   **For files larger than 1 GB[^1]:**\n    -   Use ZIP compression to reduce file to less than 1 GB[^1]\n    -   Split the file into multiple smaller files\n    -   Use File Sharing Links.\n-   **Max no. characters per file name:** 200\n-   **Max no. files per upload**: 25, for uploads larger than 25 total files:\n    1.  Upload first 25.\n    2.  Select the **Save Draft** option in Available Next Actions then click the **Save Draft** button.\n\n        **Note:** You may need to refresh the screen to see that the files have uploaded to the system.\n\n    3.  Return to the response screen to upload the next 25 files and repeat.\n-   **Total no. files**: unlimited\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Search for and select the **SA ID** you would like to access.\n\n    \n\n3.  Click **Information Requests**.\n\n    \n\n4.  Click the IR Details tab.\n\n    \n\n5.  You can filter the list to show only those items with send back requested.\n\n    1.  Click **Show Filters**.\n\n        \n\n    2.  Under **Has Send Back Requests?** select **Yes**.\n\n        \n\n6.  To send the IR back without viewing the details:\n\n    1.  Select **Send Back to Company** from the **Action** menu.\n\n        \n\n    2.  Proceed to Step 8.\n\n7.  To view the IR details before sending the IR back:\n\n    1.  Click the **IR ID**.\n\n    2.  Clic",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\IR\\topics\\t_agency_IR_sendBackReq_respond.md",
      "relative_path": "maps\\SES\\chapter\\IR\\topics\\t_agency_IR_sendBackReq_respond.md",
      "headings": [
        "Responding to a Company's Request to Send Back an IR {#xd_90f2bef5a79901d9--3711426d-1926289d8fe--7ffd .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/IR/topics/t_agency_IR_sendBackReq_respond.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/IR/topics/t_agency_IR_sendBackReq_respond.md:chunk-1",
      "title": "Responding to a Company's Request to Send Back an IR {#xd_90f2bef5a79901d9--3711426d-1926289d8fe--7ffd .task}",
      "content": " 1.  Select **Send Back to Company** from the **Action** menu.\n\n        \n\n    2.  Proceed to Step 8.\n\n7.  To view the IR details before sending the IR back:\n\n    1.  Click the **IR ID**.\n\n    2.  Click **Remove Quick Look** to revert the IR response to an unreviewed status.\n\n        \n\n    3.  Click **Send Back to Company**.\n\n        \n\n8.  Select a **Due Date**.\n\n9.  Provide a **Response** explaining why the Information Requests response is being sent back, uploading any necessary documents.\n\n10. Click **Send Back to Company**.\n\n    \n\n**Parent topic:**Reviewing Information Request Responses\n\n**Related information**  \n\nMoving to In-Flight\n\nReviewing SA Information Request Responses for Agency Users\n\nReviewing QuickIR Responses Sent by a Company\n\nSearching IR Responses\n\nMarking an IR Response Quick Look Complete\n\nSending an IR Response back to the Company\n\n[^1]: For documents uploaded to the Interactions tab, the maximum file size is 25 MB.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\IR\\topics\\t_agency_IR_sendBackReq_respond.md",
      "relative_path": "maps\\SES\\chapter\\IR\\topics\\t_agency_IR_sendBackReq_respond.md",
      "headings": [
        "Responding to a Company's Request to Send Back an IR {#xd_90f2bef5a79901d9--3711426d-1926289d8fe--7ffd .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/IR/topics/t_agency_IR_sendBackReq_respond.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/IR/topics/t_agency_IR_sendSupplemental.md:chunk-0",
      "title": "Sending Supplemental Information Requests {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7fb0 .task}",
      "content": "# Sending Supplemental Information Requests \n\nLearn how to send supplemental information requests \\(IRs\\) to the company before they have responded to IRs you have already sent.\n\nSending SA Information Requests\n\nSES allows you to send a supplemental IR to the company after an IR has been sent, but before they have responded. You can use this feature to provide clarification or request additional information related to the initial IR that was sent to the company.\n\n**Note:** While examiners can add information requests to the SA, only staff users from the lead agency assigned as a participant on the SA and the examiner in charge \\(EIC\\) can send them to the company.\n\nIf you are conducting an investigation, the core and non-core designation for IRs is not automatically added.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Information Requests**.\n\n    \n\n3.  Click the hyperlinked number in the Sent to Company column on the Area for Review Summary.\n\n4.  In the IR Details table, under the Actions column, select **⋮** for the desired information request to show the list of available actions.\n\n5.  Select **Add Supplemental IR**.\n\n6.  Complete the Supplemental IR field and upload any relevant documents.\n\n7.  Click the **Add Supplemental IR** button.\n\nThe previously sent IR is highlighted with a supplemental IR icon for the company and the information you entered in the Supplemental IR field is displayed when the company reviews the IR.\n\n**Parent topic:**Sending Information Requests to the Company",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\IR\\topics\\t_agency_IR_sendSupplemental.md",
      "relative_path": "maps\\SES\\chapter\\IR\\topics\\t_agency_IR_sendSupplemental.md",
      "headings": [
        "Sending Supplemental Information Requests {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7fb0 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/IR/topics/t_agency_IR_sendSupplemental.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/IR/topics/t_agency_IR_sending.md:chunk-0",
      "title": "Sending SA Information Requests {#t_agency_IR_sending .task}",
      "content": "# Sending SA Information Requests \n\nAfter information requests have been added to the SA, the EIC or a staff user can send them to the company. IRs can be sent individually or all at once, and if this is the first time working with the company, you can send reminders to complete enrollment.\n\n**Note:** While examiners can add information requests to the SA, only staff users from the lead agency assigned as a participant on the SA and the examiner in charge \\(EIC\\) can send them to the company.\n\nIf you are conducting an investigation, the core and non-core designation for IRs is not automatically added.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Information Requests**.\n\n    \n\n3.  Select **Send Information Requests**.\n\n    \n\n4.  Enter a **Bulk Due Date**.\n\n    \n\n    **Note:** All information requests are selected by default. Deselect an information request by clicking anywhere on the row. The bulk due date will be applied to all information requests that do not have a due date set. Update an individual due date by clicking on the due date link.\n\n5.  Click **Click here to Validate the selected Requests**.\n\n    \n\n    **Note:** This step validates the due dates entered for the requests you selected to send to the company are in the future.\n\n6.  Enter comments to the company \\(if applicable\\), upload necessary documents, and confirm your notification preferences when the company responds to the IRs.\n\n    **Note:** After sending at least one IR, you can send a comment or document to the company without sending any IRs by scrolling to the bottom of the screen, entering your comment in the Commentary field, and clicking **Send Information Requests**.\n\n    \n\n    The company lead receives an email notification showing the comment and any accompanying document attachments.\n\n    Please note the following restrictions with regard to file uploads in SES. It is recommended to use a ZIP folder or File Sharing Links when uploading large files or more than 25 files ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\IR\\topics\\t_agency_IR_sending.md",
      "relative_path": "maps\\SES\\chapter\\IR\\topics\\t_agency_IR_sending.md",
      "headings": [
        "Sending SA Information Requests {#t_agency_IR_sending .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/IR/topics/t_agency_IR_sending.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/IR/topics/t_agency_IR_sending.md:chunk-1",
      "title": "Sending SA Information Requests {#t_agency_IR_sending .task}",
      "content": "tachments.\n\n    Please note the following restrictions with regard to file uploads in SES. It is recommended to use a ZIP folder or File Sharing Links when uploading large files or more than 25 files at a time.\n\n    -   **File formats supported**: SES will accept all file formats, but the following commonly supported file types are recommended: PDF, Word®, Excel®, CSV, ZIP\n    -   **Max file size**: 1 GB\n    -   **For files larger than 1 GB[^1]:**\n        -   Use ZIP compression to reduce file to less than 1 GB[^1]\n        -   Split the file into multiple smaller files\n        -   Use File Sharing Links.\n    -   **Max no. characters per file name:** 200\n    -   **Max no. files per upload**: 25, for uploads larger than 25 total files:\n        1.  Upload first 25.\n        2.  Select the **Save Draft** option in Available Next Actions then click the **Save Draft** button.\n\n            **Note:** You may need to refresh the screen to see that the files have uploaded to the system.\n\n        3.  Return to the response screen to upload the next 25 files and repeat.\n    -   **Total no. files**: unlimited\n    \n\n7.  Click **Send Information Requests**.\n\n    \n\n    **Note:** If you have not previously communicated with the company about the supervisory activity \\(SA\\), this action triggers a task in SES for the company to assign a company lead for the SA.\n\n    **Note:** The IRs added to a complaint or a supervisory activity can be sent to the company even if the company has not yet completed enrollment in SES. When you send the information requests, you can click **Company User Enrollment** to create a new user account or send a reminder for the company to finish enrollment. The company is not able to view the details of an IR or submit responses until company enrollment is complete.\n\n    \n\n8.  Click **Confirm**.\n\n    **Note:** Only when all IRs are sent to the company does the status change to Sent to Company. Sending all IRs is not required.\n\n    \n\n    **Note:** You can send a",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\IR\\topics\\t_agency_IR_sending.md",
      "relative_path": "maps\\SES\\chapter\\IR\\topics\\t_agency_IR_sending.md",
      "headings": [
        "Sending SA Information Requests {#t_agency_IR_sending .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/IR/topics/t_agency_IR_sending.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/IR/topics/t_agency_IR_sending.md:chunk-2",
      "title": "Sending SA Information Requests {#t_agency_IR_sending .task}",
      "content": ".\n\n    \n\n8.  Click **Confirm**.\n\n    **Note:** Only when all IRs are sent to the company does the status change to Sent to Company. Sending all IRs is not required.\n\n    \n\n    **Note:** You can send a reminder to all company participants for all outstanding information requests in the Information Request Reminders section on the Information Requests page.\n\n    \n\n**Parent topic:**Sending Information Requests to the Company\n\n[^1]: For documents uploaded to the Interactions tab, the maximum file size is 25 MB.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\IR\\topics\\t_agency_IR_sending.md",
      "relative_path": "maps\\SES\\chapter\\IR\\topics\\t_agency_IR_sending.md",
      "headings": [
        "Sending SA Information Requests {#t_agency_IR_sending .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/IR/topics/t_agency_IR_sending.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/IR/topics/t_agency_reviewingQuickIRresponses.md:chunk-0",
      "title": "Reviewing QuickIR Responses Sent by a Company {#xd_763edc2ce7d797e2--7010be9d-184b9f8efc6--7ff7 .task}",
      "content": "# Reviewing QuickIR Responses Sent by a Company \n\nHow to review information request responses sent by a company that were completed using the QuickIR feature. See QuickIR for more information.\n\nUsers with access to the IR Insights tab can view how many information requests the company has responded to using QuickIR. They can also view the attestation audit for the QuickIR response.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Information Requests**.\n\n    \n\n3.  Click the IR Insights tab.\n\n    \n\n4.  Click the **Response via QuickIR** icon.\n\n    \n\n5.  Click the **IR ID** hyperlink for the desired information request.\n\n    \n\n6.  Review the information request.\n\n    **Note:** You can review the audit for the QuickIR response within the Company Response section.\n\n    \n\n**Parent topic:**Reviewing Information Request Responses\n\n**Related information**  \n\nMoving to In-Flight\n\nReviewing SA Information Request Responses for Agency Users\n\nSearching IR Responses\n\nMarking an IR Response Quick Look Complete\n\nSending an IR Response back to the Company\n\nResponding to a Company's Request to Send Back an IR",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\IR\\topics\\t_agency_reviewingQuickIRresponses.md",
      "relative_path": "maps\\SES\\chapter\\IR\\topics\\t_agency_reviewingQuickIRresponses.md",
      "headings": [
        "Reviewing QuickIR Responses Sent by a Company {#xd_763edc2ce7d797e2--7010be9d-184b9f8efc6--7ff7 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/IR/topics/t_agency_reviewingQuickIRresponses.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/IR/topics/t_company_IR_assign-1.md:chunk-0",
      "title": "Assigning Information Requests \\(IRs\\) {#xd_73a64c6f8591aea0--8f1af35-180c8bc4e24--7ff3 .task}",
      "content": "# Assigning Information Requests \\(IRs\\) \n\nThe task of responding to information requests \\(IRs\\) can be delegated to participants on an exam.\n\nEnsure that all the necessary participants have been added before beginning this process.\n\n**Note:** Only the company lead can assign IRs. You cannot view or assign IRs until you assign your company contacts. See Assigning Company Contacts for more information.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Search for and select the **SA ID** you would like to access.\n\n    \n\n3.  Click **Information Requests**.\n\n    \n\n4.  Click **IR Details**.\n\n    \n\n5.  Click the **SA IR ID** hyperlink of the desired Information Request.\n\n    \n\n6.  Click **Manage Assignment**.\n\n    \n\n    **Note:** You can also assign or reassign individual IRs by clicking the **Action** menu and selecting **Manage Assignment**.\n\n    \n\n7.  Select the **Assignee** from the dropdown list.\n\n    \n\n8.  Click **Update Assignment**.\n\n**Parent topic:**Information Requests",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\IR\\topics\\t_company_IR_assign-1.md",
      "relative_path": "maps\\SES\\chapter\\IR\\topics\\t_company_IR_assign-1.md",
      "headings": [
        "Assigning Information Requests \\(IRs\\) {#xd_73a64c6f8591aea0--8f1af35-180c8bc4e24--7ff3 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/IR/topics/t_company_IR_assign-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/IR/topics/t_company_IR_assign.md:chunk-0",
      "title": "Assigning Information Requests \\(IRs\\) {#xd_73a64c6f8591aea0--8f1af35-180c8bc4e24--7ff3 .task}",
      "content": "# Assigning Information Requests \\(IRs\\) \n\nThe task of responding to information requests \\(IRs\\) can be delegated to participants on an exam.\n\nEnsure that all the necessary participants have been added before beginning this process.\n\n**Note:** Only the company lead can assign IRs. You cannot view or assign IRs until you assign your company contacts. See Assigning Company Contacts for more information.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Search for and select the **SA ID** you would like to access.\n\n    \n\n3.  Click **Information Requests**.\n\n    \n\n4.  Click **IR Details**.\n\n    \n\n5.  Click the **SA IR ID** hyperlink of the desired Information Request.\n\n    \n\n6.  Click **Manage Assignment**.\n\n    \n\n    **Note:** You can also assign or reassign individual IRs by clicking the **Action** menu and selecting **Manage Assignment**.\n\n    \n\n7.  Select the **Assignee** from the dropdown list.\n\n    \n\n8.  Click **Update Assignment**.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\IR\\topics\\t_company_IR_assign.md",
      "relative_path": "maps\\SES\\chapter\\IR\\topics\\t_company_IR_assign.md",
      "headings": [
        "Assigning Information Requests \\(IRs\\) {#xd_73a64c6f8591aea0--8f1af35-180c8bc4e24--7ff3 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/IR/topics/t_company_IR_assign.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/IR/topics/t_company_IR_assign_byAFR.md:chunk-0",
      "title": "Assigning IRs by Area for Review {#xd_73a64c6f8591aea0--8f1af35-180c8bc4e24--7ff2 .task}",
      "content": "# Assigning IRs by Area for Review \n\nThe task of responding to information requests \\(IRs\\) can be delegated to participants on an exam. Assigning IRs by AFRs allows for bulk assignment.\n\nEnsure that all the necessary participants have been added before beginning this process.\n\n**Note:** Only the company lead can assign IRs. You cannot view or assign IRs until you assign your company contacts. See Assigning Company Contacts for more information.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Information Requests**.\n\n    \n\n3.  Click **Assign Information Requests** in the top right.\n\n    \n\n4.  Select an assignee from **Update Assignee** and an **internal Due Date** for each AFR.\n\n    \n\n5.  Click **Assign Information Requests**.\n\n    \n\nA notification is sent to participants assigned to IR\\(s\\).\n\n**Parent topic:**Information Requests",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\IR\\topics\\t_company_IR_assign_byAFR.md",
      "relative_path": "maps\\SES\\chapter\\IR\\topics\\t_company_IR_assign_byAFR.md",
      "headings": [
        "Assigning IRs by Area for Review {#xd_73a64c6f8591aea0--8f1af35-180c8bc4e24--7ff2 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/IR/topics/t_company_IR_assign_byAFR.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/IR/topics/t_company_IR_reqSendBack.md:chunk-0",
      "title": "Requesting the Agency to Send Back an Information Request {#xd_cb6b6e52d93a6d09--344b24f0-1923e066c73--7ffd .task}",
      "content": "# Requesting the Agency to Send Back an Information Request \n\nThe Company Lead on an SA can request that the examining agency send back an information request for updates. The company contributor assigned to the IR can also request the agency to send back the IR.\n\nAfter an IR response has been sent to the agency and before the Report of Examination has been sent to the company, the Company Lead or the assigned Contributor can request the agency to return the IR for modification. An IR with a green check mark in the status column has been sent to the examining agency. You can click on the **IR ID** to view the details and request it to be sent back, or you can click the **Action** menu in the left column and select **Request IR to be Sent Back**.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Search for and select the **SA ID** you would like to access.\n\n    \n\n3.  Click **Information Requests**.\n\n    \n\n4.  Click the **IR Details** tab.\n\n    \n\n5.  For any IR with a green check mark in the Status column you can:\n\n    1.  Click the **IR ID** to view the details of the IR and click the **Request IR to be Sent Back** button.\n\n        \n\n    2.  Click the **Action** menu in the left column and select **Request IR to be Sent Back**.\n\n        \n\n    The Request Information Request to be Sent Back page is displayed.\n\n6.  Type a **Reason for Request**.\n\n7.  Click **Submit Request**.\n\n    \n\nAn email is sent to the agency notifying them of your request.\n\nIf the agency sends the information request back:\n\n-   The **IR ID** on the IR Details tab is displayed in red with a circular arrow beneath, indicating it has been returned.\n\n    \n\n-   The Status is changed from a green check mark to a clock icon, indicating the IR is in progress.\n-   The IR Insights tab Status Summary is updated to show the new number of IRs in progress to include the IR\\(s\\) returned to you.\n\n    \n\n**Parent topic:**Responding to Supervisory Activity Information Requests",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\IR\\topics\\t_company_IR_reqSendBack.md",
      "relative_path": "maps\\SES\\chapter\\IR\\topics\\t_company_IR_reqSendBack.md",
      "headings": [
        "Requesting the Agency to Send Back an Information Request {#xd_cb6b6e52d93a6d09--344b24f0-1923e066c73--7ffd .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/IR/topics/t_company_IR_reqSendBack.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/IR/topics/t_company_IR_respoind_sendAgencyBulk.md:chunk-0",
      "title": "Sending IR Responses to the Agency in Bulk {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7ff9 .task}",
      "content": "# Sending IR Responses to the Agency in Bulk \n\nRather than responding to individual IRs, you can send IR responses that are in “In Review” or “Ready to Send” status to the agency in bulk.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Information Requests**.\n\n    \n\n3.  Click **Send Responses**.\n\n    \n\n4.  Select the rows for the IRs to send to the agency and click **Send Responses**.\n\n    \n\n5.  Click **Confirm**.\n\n**Parent topic:**Responding to Supervisory Activity Information Requests",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\IR\\topics\\t_company_IR_respoind_sendAgencyBulk.md",
      "relative_path": "maps\\SES\\chapter\\IR\\topics\\t_company_IR_respoind_sendAgencyBulk.md",
      "headings": [
        "Sending IR Responses to the Agency in Bulk {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7ff9 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/IR/topics/t_company_IR_respoind_sendAgencyBulk.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/IR/topics/t_company_IR_respond-1.md:chunk-0",
      "title": "Adding Information Request Responses in Bulk {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7ffc .task}",
      "content": "# Adding Information Request Responses in Bulk \n\nHow to add responses to many information requests at one time, queuing them up to be sent to the agency at a later time.\n\n**Note:** Only the company lead can assign IRs. You cannot view or assign IRs until you assign your company contacts. See Assigning Company Contacts for more information.\n\n**Note:** SA participants, other than the company lead, must send the drafted response for review. Once an IR is sent for review, it is removed from the list of IRs.\n\n**Note:** Only the Company Lead can review and send IR responses to the agency.\n\nOnce the company lead has conducted the review or completed the initial draft response, the IR response can be sent immediately upon completion and need not wait until a set of responses is available.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Information Requests**.\n\n    \n\n3.  Search through the full list of information requests and request text using the **IR Details** tab.\n\n    \n\n    **Note:** You can search for the desired information request by using keywords within the information request, response, or file name.\n\n    **Tip:** After you have sent responses to the agency, the IR Response Search tab becomes available. You can use this to search through keywords, file names, and response text, including responses saved as QuickIR responses.\n\n    \n\n4.  Click **Add IR Responses** in the top right.\n\n    \n\n5.  Click **Show Filters**, and select the appropriate filters to limit the list, click **Search**, then scroll and navigate through the pages until you find the desired item.\n\n    \n\n6.  Click **Add Response** for the desired IR.\n\n    \n\n7.  Provide a response, upload any associated documents, select whether to restrict view from other participants other than the Company Lead and provide any internal comments. See Uploading Documents for details on uploading documents.\n\n    \n\n    **Tip:** When providing responses to IRs via the **Upload Documents** section, it is rec",
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      "relative_path": "maps\\SES\\chapter\\IR\\topics\\t_company_IR_respond-1.md",
      "headings": [
        "Adding Information Request Responses in Bulk {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7ffc .task}"
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      "html_link": "/docs/maps/SES/chapter/IR/topics/t_company_IR_respond-1.html",
      "snippet": null
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    {
      "id": "maps/SES/chapter/IR/topics/t_company_IR_respond-1.md:chunk-1",
      "title": "Adding Information Request Responses in Bulk {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7ffc .task}",
      "content": " Lead and provide any internal comments. See Uploading Documents for details on uploading documents.\n\n    \n\n    **Tip:** When providing responses to IRs via the **Upload Documents** section, it is recommended to type `Please see attached documents` in the **Response** text box.\n\n    **Note:** You can select **Not Applicable** to indicate to the agency that information request does not apply. You cannot upload documents, include a file sharing link, or restrict view; however, you may still add a response or comments.\n\n    \n\n8.  Select the **Save as QuickIR Response** option.\n\n    \n\n    **Note:** Ensure that you refer to the Library ID in your IR response so that you can use this response from QuickIR on future supervisory activities. Do not refer to the IR ID in your IR response. The IR ID changes with each supervisory activity. The Library ID is the permanent unique identifier for an information request that remains the same across all supervisory activities.\n\n9.  Select the appropriate **Next Action**.\n\n    -   **Save Draft**: Saves the response in progress allowing additional updates later.\n    -   **Send to Company Lead**: Sends the response to the Company Lead for review.\n    \n\n    **Note:** SA participants, other than the company lead, must send the drafted response for review. Once an IR is sent for review, it is removed from the list of IRs.\n\n    You are returned to the list of IRs.\n\n10. Continue to add IR responses.\n\n11. Once done, click **I’m Done for Now** in the bottom left.\n\n    \n\n**Parent topic:**Responding to Supervisory Activity Information Requests\n\n**Related information**  \n\nSaving an Information Request Response as a QuickIR Response During a Supervisory Activity",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\IR\\topics\\t_company_IR_respond-1.md",
      "relative_path": "maps\\SES\\chapter\\IR\\topics\\t_company_IR_respond-1.md",
      "headings": [
        "Adding Information Request Responses in Bulk {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7ffc .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/IR/topics/t_company_IR_respond-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/IR/topics/t_company_IR_respond.md:chunk-0",
      "title": "Adding Information Request Responses in Bulk {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7ffc .task}",
      "content": "# Adding Information Request Responses in Bulk \n\nHow to add responses to many information requests at one time, queuing them up to be sent to the agency at a later time.\n\n**Note:** Only the company lead can assign IRs. You cannot view or assign IRs until you assign your company contacts. See Assigning Company Contacts for more information.\n\n**Note:** SA participants, other than the company lead, must send the drafted response for review. Once an IR is sent for review, it is removed from the list of IRs.\n\n**Note:** Only the Company Lead can review and send IR responses to the agency.\n\nOnce the company lead has conducted the review or completed the initial draft response, the IR response can be sent immediately upon completion and need not wait until a set of responses is available.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Information Requests**.\n\n    \n\n3.  Search through the full list of information requests and request text using the **IR Details** tab.\n\n    \n\n    **Note:** You can search for the desired information request by using keywords within the information request, response, or file name.\n\n    **Tip:** After you have sent responses to the agency, the IR Response Search tab becomes available. You can use this to search through keywords, file names, and response text, including responses saved as QuickIR responses.\n\n    \n\n4.  Click **Add IR Responses** in the top right.\n\n    \n\n5.  Click **Show Filters**, and select the appropriate filters to limit the list, click **Search**, then scroll and navigate through the pages until you find the desired item.\n\n    \n\n6.  Click **Add Response** for the desired IR.\n\n    \n\n7.  Provide a response, upload any associated documents, select whether to restrict view from other participants other than the Company Lead and provide any internal comments. See Uploading Documents for details on uploading documents.\n\n    \n\n    **Tip:** When providing responses to IRs via the **Upload Documents** section, it is rec",
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      "headings": [
        "Adding Information Request Responses in Bulk {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7ffc .task}"
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      "html_link": "/docs/maps/SES/chapter/IR/topics/t_company_IR_respond.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/IR/topics/t_company_IR_respond.md:chunk-1",
      "title": "Adding Information Request Responses in Bulk {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7ffc .task}",
      "content": " Lead and provide any internal comments. See Uploading Documents for details on uploading documents.\n\n    \n\n    **Tip:** When providing responses to IRs via the **Upload Documents** section, it is recommended to type `Please see attached documents` in the **Response** text box.\n\n    **Note:** You can select **Not Applicable** to indicate to the agency that information request does not apply. You cannot upload documents, include a file sharing link, or restrict view; however, you may still add a response or comments.\n\n    \n\n8.  Select the **Save as QuickIR Response** option.\n\n    \n\n    **Note:** Ensure that you refer to the Library ID in your IR response so that you can use this response from QuickIR on future supervisory activities. Do not refer to the IR ID in your IR response. The IR ID changes with each supervisory activity. The Library ID is the permanent unique identifier for an information request that remains the same across all supervisory activities.\n\n9.  Select the appropriate **Next Action**.\n\n    -   **Save Draft**: Saves the response in progress allowing additional updates later.\n    -   **Send to Company Lead**: Sends the response to the Company Lead for review.\n    \n\n    **Note:** SA participants, other than the company lead, must send the drafted response for review. Once an IR is sent for review, it is removed from the list of IRs.\n\n    You are returned to the list of IRs.\n\n10. Continue to add IR responses.\n\n11. Once done, click **I’m Done for Now** in the bottom left.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\IR\\topics\\t_company_IR_respond.md",
      "relative_path": "maps\\SES\\chapter\\IR\\topics\\t_company_IR_respond.md",
      "headings": [
        "Adding Information Request Responses in Bulk {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7ffc .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/IR/topics/t_company_IR_respond.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/IR/topics/t_company_IR_respond_exportList.md:chunk-0",
      "title": "Exporting a List of Information Requests {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7ff8 .task}",
      "content": "# Exporting a List of Information Requests \n\nYou can export the list of information requests sent to your company to an Excel® spreadsheet.\n\nAll active company participants on a supervisory activity can export a list of information requests.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Information Requests**.\n\n    \n\n3.  Click the **IR Details** tab.\n\n    \n\n4.  Scroll to the bottom of the list and click **Export to Excel**.\n\n    \n\n**Parent topic:**Responding to Supervisory Activity Information Requests",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\IR\\topics\\t_company_IR_respond_exportList.md",
      "relative_path": "maps\\SES\\chapter\\IR\\topics\\t_company_IR_respond_exportList.md",
      "headings": [
        "Exporting a List of Information Requests {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7ff8 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/IR/topics/t_company_IR_respond_exportList.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/IR/topics/t_company_IR_respond_review.md:chunk-0",
      "title": "Reviewing SA Information Request Responses as Company Lead {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7ffb .task}",
      "content": "# Reviewing SA Information Request Responses as Company Lead \n\nSA participants, other than the company lead, must send the drafted response for review. Once an IR is sent for review, it is removed from the list of IRs.\n\n**Note:** Only the Company Lead can review and send IR responses to the agency.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Information Requests**.\n\n    \n\n3.  Click the IR Insights tab.\n\n    \n\n4.  Click the **In Review** icon to filter your list of information requests to those that require review from the Company Lead before sending to the agency.\n\n    \n\n5.  Click the **SA IR ID** hyperlink of the desired Information Request.\n\n    \n\n6.  Click the**Review Response** button.\n\n    \n\n7.  Review the response.\n\n8.  Make any necessary updates.\n\n9.  Select **Mark Response as Complete**.\n\n10. Click **Complete Response**.\n\n    \n\nIf an update needs to be made after completing your response and sending it to the agency, the agency will need to release the IR back to the company. That process can be initiated by reaching out to the agency outside of SES.\n\nThe Company Lead can draft IR responses for any participant. Once the company lead has conducted the review or completed the initial draft response, the IR response can be sent immediately upon completion and need not wait until a set of responses is available.\n\n**Tip:** After you have sent responses to the agency, the IR Response Search tab becomes available. You can use this to search through keywords, file names, and response text, including responses saved as QuickIR responses.\n\n**Parent topic:**Responding to Supervisory Activity Information Requests",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\IR\\topics\\t_company_IR_respond_review.md",
      "relative_path": "maps\\SES\\chapter\\IR\\topics\\t_company_IR_respond_review.md",
      "headings": [
        "Reviewing SA Information Request Responses as Company Lead {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7ffb .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/IR/topics/t_company_IR_respond_review.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/IR/topics/t_company_IR_responde_sendAgency-1.md:chunk-0",
      "title": "Sending an IR Response to the Agency {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7ffa .task}",
      "content": "# Sending an IR Response to the Agency \n\nOnce the company lead has conducted the review or completed the initial draft response, the IR response can be sent immediately upon completion and need not wait until a set of responses is available.\n\n**Note:** Only the company lead can assign IRs. You cannot view or assign IRs until you assign your company contacts. See Assigning Company Contacts for more information.\n\n**Note:** SA participants, other than the company lead, must send the drafted response for review. Once an IR is sent for review, it is removed from the list of IRs.\n\n**Note:** Only the Company Lead can review and send IR responses to the agency.\n\nOnce the company lead has conducted the review or completed the initial draft response, the IR response can be sent immediately upon completion and need not wait until a set of responses is available.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Information Requests**.\n\n    \n\n3.  Click the **IR Details** tab.\n\n    \n\n4.  Click the **SA IR ID** hyperlink of the desired Information Request.\n\n    \n\n5.  Click **Respond to Information Request**.\n\n    \n\n6.  Provide a response, upload any associated documents, select whether to restrict view from other participants other than the Company Lead and provide any internal comments. See Uploading Documents for details on uploading documents.\n\n    \n\n    **Tip:** When providing responses to IRs via the **Upload Documents** section, it is recommended to type `Please see attached documents` in the **Response** text box.\n\n    **Note:** You can select **Not Applicable** to indicate to the agency that information request does not apply. You cannot upload documents, include a file sharing link, or restrict view; however, you may still add a response or comments.\n\n    \n\n7.  Select the **Save as QuickIR Response** option.\n\n    \n\n    **Note:** Ensure that you refer to the Library ID in your IR response so that you can use this response from QuickIR on future supervisory ac",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\IR\\topics\\t_company_IR_responde_sendAgency-1.md",
      "relative_path": "maps\\SES\\chapter\\IR\\topics\\t_company_IR_responde_sendAgency-1.md",
      "headings": [
        "Sending an IR Response to the Agency {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7ffa .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/IR/topics/t_company_IR_responde_sendAgency-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/IR/topics/t_company_IR_responde_sendAgency-1.md:chunk-1",
      "title": "Sending an IR Response to the Agency {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7ffa .task}",
      "content": "Select the **Save as QuickIR Response** option.\n\n    \n\n    **Note:** Ensure that you refer to the Library ID in your IR response so that you can use this response from QuickIR on future supervisory activities. Do not refer to the IR ID in your IR response. The IR ID changes with each supervisory activity. The Library ID is the permanent unique identifier for an information request that remains the same across all supervisory activities.\n\n8.  Fill in the required information.\n\n    **Note:** You can select **Not Applicable** to indicate to the agency that information request does not apply. You cannot upload documents, include a file sharing link, or restrict view; however, you may still add a response or comments.\n\n    \n\n9.  Select the **Send to agency now** option, then click the **Send to Agency Now** button.\n\n    \n\n    **Note:** If you want to return the IR back to the contributor who added the response for additional work or edits, select **Send back to assignee** and choose an assignee.\n\n**Parent topic:**Responding to Supervisory Activity Information Requests",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\IR\\topics\\t_company_IR_responde_sendAgency-1.md",
      "relative_path": "maps\\SES\\chapter\\IR\\topics\\t_company_IR_responde_sendAgency-1.md",
      "headings": [
        "Sending an IR Response to the Agency {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7ffa .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/IR/topics/t_company_IR_responde_sendAgency-1.html",
      "snippet": null
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    {
      "id": "maps/SES/chapter/IR/topics/t_company_IR_responde_sendAgency.md:chunk-0",
      "title": "Sending an IR Response to the Agency {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7ffa .task}",
      "content": "# Sending an IR Response to the Agency \n\nOnce the company lead has conducted the review or completed the initial draft response, the IR response can be sent immediately upon completion and need not wait until a set of responses is available.\n\n**Note:** Only the company lead can assign IRs. You cannot view or assign IRs until you assign your company contacts. See Assigning Company Contacts for more information.\n\n**Note:** SA participants, other than the company lead, must send the drafted response for review. Once an IR is sent for review, it is removed from the list of IRs.\n\n**Note:** Only the Company Lead can review and send IR responses to the agency.\n\nOnce the company lead has conducted the review or completed the initial draft response, the IR response can be sent immediately upon completion and need not wait until a set of responses is available.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Information Requests**.\n\n    \n\n3.  Click the **IR Details** tab.\n\n    \n\n4.  Click the **SA IR ID** hyperlink of the desired Information Request.\n\n    \n\n5.  Click **Respond to Information Request**.\n\n    \n\n6.  Provide a response, upload any associated documents, select whether to restrict view from other participants other than the Company Lead and provide any internal comments. See Uploading Documents for details on uploading documents.\n\n    \n\n    **Tip:** When providing responses to IRs via the **Upload Documents** section, it is recommended to type `Please see attached documents` in the **Response** text box.\n\n    **Note:** You can select **Not Applicable** to indicate to the agency that information request does not apply. You cannot upload documents, include a file sharing link, or restrict view; however, you may still add a response or comments.\n\n    \n\n7.  Select the **Save as QuickIR Response** option.\n\n    \n\n    **Note:** Ensure that you refer to the Library ID in your IR response so that you can use this response from QuickIR on future supervisory ac",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\IR\\topics\\t_company_IR_responde_sendAgency.md",
      "relative_path": "maps\\SES\\chapter\\IR\\topics\\t_company_IR_responde_sendAgency.md",
      "headings": [
        "Sending an IR Response to the Agency {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7ffa .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/IR/topics/t_company_IR_responde_sendAgency.html",
      "snippet": null
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    {
      "id": "maps/SES/chapter/IR/topics/t_company_IR_responde_sendAgency.md:chunk-1",
      "title": "Sending an IR Response to the Agency {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7ffa .task}",
      "content": "Select the **Save as QuickIR Response** option.\n\n    \n\n    **Note:** Ensure that you refer to the Library ID in your IR response so that you can use this response from QuickIR on future supervisory activities. Do not refer to the IR ID in your IR response. The IR ID changes with each supervisory activity. The Library ID is the permanent unique identifier for an information request that remains the same across all supervisory activities.\n\n8.  Fill in the required information.\n\n    **Note:** You can select **Not Applicable** to indicate to the agency that information request does not apply. You cannot upload documents, include a file sharing link, or restrict view; however, you may still add a response or comments.\n\n    \n\n9.  Select the **Send to agency now** option, then click the **Send to Agency Now** button.\n\n    \n\n    **Note:** If you want to return the IR back to the contributor who added the response for additional work or edits, select **Send back to assignee** and choose an assignee.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\IR\\topics\\t_company_IR_responde_sendAgency.md",
      "relative_path": "maps\\SES\\chapter\\IR\\topics\\t_company_IR_responde_sendAgency.md",
      "headings": [
        "Sending an IR Response to the Agency {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7ffa .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/IR/topics/t_company_IR_responde_sendAgency.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/IR/topics/t_company_IR_responseSearch.md:chunk-0",
      "title": "Searching IR Responses {#xd_8f92f856f53beddb-2e30cde5-182e4df46e1--7ffd .task}",
      "content": "# Searching IR Responses \n\nAfter a company has sent IR responses to the requesting agency, you can search through the responses by filename, keyword, response text, and QuickIR status.\n\nThe IR Response Search tab is displayed on the Information Requests tab for a supervisory activity after a company has sent IR responses to an agency. You can only view the IR Response Search tab for Supervisory Activities that are assigned to you.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Information Requests**.\n\n    \n\n3.  Click **IR Response Search**.\n\n    **Note:** If the IR Response Search tab is not visible, then either there are no IRs that have been responded to or you are not assigned to the supervisory activity.\n\n4.  Search or filter your IR responses using the following options:\n\n    -   **Request**: Search the text of information requests to find associated responses.\n    -   **Response**: Search the text of IRs sent to an agency.\n    -   **Area For Review**: Filter the IR responses according to the Area for Review.\n    -   **File Name**: Search for IR responses with file attachments matching the specified name.\n    -   **Has Attachments**: Filter IR responses according to whether they have documents attached.\n    -   **Show Agency Responses**: Show or hide agency responses to a company's IR responses. This is helpful for finding IR responses that may require additional information.\n    -   **Show QuickIR Responses**: Show or hide IR responses saved as QuickIR responses.\n\n**Parent topic:**Reviewing Information Request Responses\n\n**Related information**  \n\nMoving to In-Flight\n\nReviewing SA Information Request Responses for Agency Users\n\nReviewing QuickIR Responses Sent by a Company\n\nMarking an IR Response Quick Look Complete\n\nSending an IR Response back to the Company\n\nResponding to a Company's Request to Send Back an IR",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\IR\\topics\\t_company_IR_responseSearch.md",
      "relative_path": "maps\\SES\\chapter\\IR\\topics\\t_company_IR_responseSearch.md",
      "headings": [
        "Searching IR Responses {#xd_8f92f856f53beddb-2e30cde5-182e4df46e1--7ffd .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/IR/topics/t_company_IR_responseSearch.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/IR/topics/t_company_IR_responseSearch_2.md:chunk-0",
      "title": "Searching IR Responses {#xd_8f92f856f53beddb-2e30cde5-182e4df46e1--7ffd .task}",
      "content": "# Searching IR Responses \n\nAfter a company has sent IR responses to the requesting agency, you can search through the responses by filename, keyword, response text, and QuickIR status.\n\nThe IR Response Search tab is displayed on the Information Requests tab for a supervisory activity after a company has sent IR responses to an agency. You can only view the IR Response Search tab for Supervisory Activities that are assigned to you.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Information Requests**.\n\n    \n\n3.  Click **IR Response Search**.\n\n    **Note:** If the IR Response Search tab is not visible, then either there are no IRs that have been responded to or you are not assigned to the supervisory activity.\n\n4.  Search or filter your IR responses using the following options:\n\n    -   **Request**: Search the text of information requests to find associated responses.\n    -   **Response**: Search the text of IRs sent to an agency.\n    -   **Area For Review**: Filter the IR responses according to the Area for Review.\n    -   **File Name**: Search for IR responses with file attachments matching the specified name.\n    -   **Has Attachments**: Filter IR responses according to whether they have documents attached.\n    -   **Show Agency Responses**: Show or hide agency responses to a company's IR responses. This is helpful for finding IR responses that may require additional information.\n    -   **Show QuickIR Responses**: Show or hide IR responses saved as QuickIR responses.\n\n**Parent topic:**Responding to Supervisory Activity Information Requests",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\IR\\topics\\t_company_IR_responseSearch_2.md",
      "relative_path": "maps\\SES\\chapter\\IR\\topics\\t_company_IR_responseSearch_2.md",
      "headings": [
        "Searching IR Responses {#xd_8f92f856f53beddb-2e30cde5-182e4df46e1--7ffd .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/IR/topics/t_company_IR_responseSearch_2.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/IR/topics/t_company_IR_reviewingQuickIRresponses.md:chunk-0",
      "title": "Reviewing QuickIR Responses Sent to the Agency {#xd_763edc2ce7d797e2--7010be9d-184b9f8efc6--7feb .task}",
      "content": "# Reviewing QuickIR Responses Sent to the Agency \n\nHow to review information request responses sent by your company that were completed using the QuickIR feature. See QuickIR for more information.\n\nUsers with access to the IR Insights tab can view how many information requests your company has responded to using QuickIR. They can also view the attestation audit for the QuickIR response.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Information Requests**.\n\n    \n\n3.  Click the IR Insights tab.\n\n    \n\n4.  Click the **Response via QuickIR** icon.\n\n    \n\n5.  Click the **IR ID** hyperlink for the desired information request.\n\n    \n\n6.  Review the information request.\n\n    **Note:** You can review the audit for the QuickIR response within the Company Response section.\n\n    \n\n**Parent topic:**Responding to Supervisory Activity Information Requests",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\IR\\topics\\t_company_IR_reviewingQuickIRresponses.md",
      "relative_path": "maps\\SES\\chapter\\IR\\topics\\t_company_IR_reviewingQuickIRresponses.md",
      "headings": [
        "Reviewing QuickIR Responses Sent to the Agency {#xd_763edc2ce7d797e2--7010be9d-184b9f8efc6--7feb .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/IR/topics/t_company_IR_reviewingQuickIRresponses.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/LR/topics/c_agency_LR_fileReqManaging-1.md:chunk-0",
      "title": "Managing Loan File Requests {#c_LoanFileReq_Managing .concept}",
      "content": "# Managing Loan File Requests \n\nWhen conducting an exam with a Loan File Review area for review \\(AFR\\), you can send an information request \\(IR\\) to the company asking for a full list of their loan information. The company typically responds with a spreadsheet in the requested format with a full list of loans.\n\nAt this point you would use the process that you have always used to narrow this list down to include only those loans you want to review documentation. The narrowed down list is the one you will upload onto SES to transmit to the company.\n\nSES allows you to upload loan requests in bulk or you can add, remove, and update single loan requests.\n\n**Note:** The Loan Requests page appears once the Scope is marked complete for the supervisory activity.[^1]\n\nStaff users from the lead agency assigned as a participant on the SA and the EIC can perform all actions related to loan requests.\n\nExaminers and examiner reviewers can only add or upload loan requests and review loan request responses.\n\n-   **Uploading Loan Requests \\(in Bulk\\)**  \nUse this procedure to upload a batch of loan requests in a Microsoft® Excel® file.\n-   **Removing Loan Requests \\(in Bulk\\)**  \nYou can remove multiple loan requests in bulk that you have added to an SA before the report is sent to the company.\n-   **Adding a Single Loan Request**  \nLoan requests can be added to a supervisory activity either singly or in bulk. Use this task to add a single loan file request to your examination.\n-   **Updating a Loan Request**  \nYou can add or update the information on a loan request by opening the SA, making the necessary changes, and saving the updated loan request.\n-   **Deleting a Loan Request**  \nIf a loan file request is no longer necessary for the supervisory activity, you can delete it from the SA.\n-   **Sending Loan Requests**  \nWhen your loan requests are ready, send them to the company for response. You can assign a due date for response, a file-sharing link to facilitate transer, and rem",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\LR\\topics\\c_agency_LR_fileReqManaging-1.md",
      "relative_path": "maps\\SES\\chapter\\LR\\topics\\c_agency_LR_fileReqManaging-1.md",
      "headings": [
        "Managing Loan File Requests {#c_LoanFileReq_Managing .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/LR/topics/c_agency_LR_fileReqManaging-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/LR/topics/c_agency_LR_fileReqManaging-1.md:chunk-1",
      "title": "Managing Loan File Requests {#c_LoanFileReq_Managing .concept}",
      "content": "SA.\n-   **Sending Loan Requests**  \nWhen your loan requests are ready, send them to the company for response. You can assign a due date for response, a file-sharing link to facilitate transer, and reminders for loan requests awaiting response.\n-   **Updating the Due Date for a Single Loan Request**  \nYou can update the due date for a single loan request \\(LR\\).\n-   **Updating Due Dates for Multiple Loan Requests**  \nYou can update the due dates for multiple loan requests in bulk.\n-   **Canceling a Loan Request**  \nThe Examiner in Charge or a staff user can cancel a loan request, removing it from the examination, while the loan request is still in the \"Sent to Company\" state.\n-   **Managing Loan Requests on a Multi-state Examination**  \nStaff users who are participants from a Participating Agency on Multi-state Examinations can manage loan requests by assigning loan requests to participants from their agency.\n\n**Parent topic:**Loan Requests\n\n[^1]:  See Managing the Scope for information on how to add an AFR to an exam.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\LR\\topics\\c_agency_LR_fileReqManaging-1.md",
      "relative_path": "maps\\SES\\chapter\\LR\\topics\\c_agency_LR_fileReqManaging-1.md",
      "headings": [
        "Managing Loan File Requests {#c_LoanFileReq_Managing .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/LR/topics/c_agency_LR_fileReqManaging-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/LR/topics/c_agency_LR_fileReqManaging.md:chunk-0",
      "title": "Managing Loan File Requests {#c_LoanFileReq_Managing .concept}",
      "content": "# Managing Loan File Requests \n\nWhen conducting an exam with a Loan File Review area for review \\(AFR\\), you can send an information request \\(IR\\) to the company asking for a full list of their loan information. The company typically responds with a spreadsheet in the requested format with a full list of loans.\n\nAt this point you would use the process that you have always used to narrow this list down to include only those loans you want to review documentation. The narrowed down list is the one you will upload onto SES to transmit to the company.\n\nSES allows you to upload loan requests in bulk or you can add, remove, and update single loan requests.\n\n**Note:** The Loan Requests page appears once the Scope is marked complete for the supervisory activity.[^1]\n\nStaff users from the lead agency assigned as a participant on the SA and the EIC can perform all actions related to loan requests.\n\nExaminers and examiner reviewers can only add or upload loan requests and review loan request responses.\n\n[^1]:  See Managing the Scope for information on how to add an AFR to an exam.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\LR\\topics\\c_agency_LR_fileReqManaging.md",
      "relative_path": "maps\\SES\\chapter\\LR\\topics\\c_agency_LR_fileReqManaging.md",
      "headings": [
        "Managing Loan File Requests {#c_LoanFileReq_Managing .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/LR/topics/c_agency_LR_fileReqManaging.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/LR/topics/c_agency_ReviewLoanReqResponse.md:chunk-0",
      "title": "Reviewing Loan Request Responses {#c_agency_ReviewLoanReqResponse .concept}",
      "content": "# Reviewing Loan Request Responses \n\nAfter the company has worked through the loan requests you have sent them, they send a response either by attaching documents and/or by including a link to a file sharing site.\n\nFile sharing sites may be preferred by some, whereas uploaded documents may be more appropriate for others. You can then review the loan request responses by documenting findings and adding observations, similar to the way procedures are handled for a supervisory activity. You can also bulk assign loan requests to other participants on the supervisory activity.\n\n**Note:** The staff director, staff user, examiner, EIC, and examiner reviewer can all review loan request responses.\n\n-   **Searching Agency Loan Request Responses**  \nAfter a company has sent loan request \\(LR\\) responses to your agency, you can search through the responses by borrower name, property state, response text, and file name.\n-   **Working a Single Loan Request Response**  \nWhen the company responds to a loan request, you can add notes, upload documents, associate findings, choose a retention period, and mark the response complete.\n-   **Bulk Working Loan Requests**  \nWhen the company responds to loan requests, you can add notes, upload documents, associate findings, choose a retention period, and mark the response complete in bulk.\n-   **Uploading General Loan Request Documents**  \nActive agency participants on a supervisory activity \\(SA\\) can upload general loan request documents to an SA.\n-   **Undo Completion of Loan Request**  \nYou can undo the completion of a loan request before the report is sent to the company.\n-   **Reworking a Completed Loan Request**  \nYou can re-work a completed loan request response sent by the company if you do it before the report is sent.\n-   **Quickly Adding a Finding**  \nYou have the option to Findings or Adding Matters Requiring Attention and commentary while entering observations to a loan request.\n-   **Managing Associated Findings for Loan Reque",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\LR\\topics\\c_agency_ReviewLoanReqResponse.md",
      "relative_path": "maps\\SES\\chapter\\LR\\topics\\c_agency_ReviewLoanReqResponse.md",
      "headings": [
        "Reviewing Loan Request Responses {#c_agency_ReviewLoanReqResponse .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/LR/topics/c_agency_ReviewLoanReqResponse.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/LR/topics/c_agency_ReviewLoanReqResponse.md:chunk-1",
      "title": "Reviewing Loan Request Responses {#c_agency_ReviewLoanReqResponse .concept}",
      "content": "ding a Finding**  \nYou have the option to Findings or Adding Matters Requiring Attention and commentary while entering observations to a loan request.\n-   **Managing Associated Findings for Loan Requests**  \nYou can associate findings to loan requests that have been sent to the company.\n-   **Assigning a Single Loan Request**  \nYou can assign a loan request to SA participants for review.\n-   **Bulk Assigning Loan Requests**  \nYou can assign loan requests in bulk to one or more participants for review.\n-   **Sending Back a Loan Request to the Company**  \nHow to send a single loan request back after receiving a response.\n-   **Bulk Sending Back Loan Requests to the Company**  \nHow to send loan requests back in bulk after receiving responses.\n-   **Recalling a Loan Request Sent to the Company**  \nBefore the company responds to a loan request \\(LR\\) or the report has been sent, you can recall an LR that has been sent \\(or sent back\\) to the company.\n\n**Parent topic:**Loan Requests",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\LR\\topics\\c_agency_ReviewLoanReqResponse.md",
      "relative_path": "maps\\SES\\chapter\\LR\\topics\\c_agency_ReviewLoanReqResponse.md",
      "headings": [
        "Reviewing Loan Request Responses {#c_agency_ReviewLoanReqResponse .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/LR/topics/c_agency_ReviewLoanReqResponse.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/LR/topics/c_chapter_agencyLR.md:chunk-0",
      "title": "Loan Requests {#c_chapter_agencyLR .concept}",
      "content": "# Loan Requests \n\nWhen conducting an Examination with a Loan File Review Area for Review, you can send an Information Request \\(IR\\) to the company asking for a full list of their loan information.\n\nThe company typically responds with a spreadsheet in the requested format with a full list of loans.\n\n-   **Managing Loan File Requests**  \nWhen conducting an exam with a Loan File Review area for review \\(AFR\\), you can send an information request \\(IR\\) to the company asking for a full list of their loan information. The company typically responds with a spreadsheet in the requested format with a full list of loans.\n-   **Reviewing Loan Request Responses**  \nAfter the company has worked through the loan requests you have sent them, they send a response either by attaching documents and/or by including a link to a file sharing site.\n\n**Parent topic:**Conducting a Supervisory Activity\n\n**Previous topic:**Responding to a Company's Request to Send Back an IR\n\n**Next topic:**Managing Loan File Requests",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\LR\\topics\\c_chapter_agencyLR.md",
      "relative_path": "maps\\SES\\chapter\\LR\\topics\\c_chapter_agencyLR.md",
      "headings": [
        "Loan Requests {#c_chapter_agencyLR .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/LR/topics/c_chapter_agencyLR.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/LR/topics/c_company_LR_FileReq_Respond.md:chunk-0",
      "title": "Responding to Loan Requests {#c_RespondLoanFileReq_Intro .concept}",
      "content": "# Responding to Loan Requests \n\nAfter an agency sends you loan requests, you can add responses to those loan request and assign those loan requests to other participants on your supervisory activity.\n\n-   **Adding Loan Request Responses**  \nHow to add a response to an individual loan request.\n-   **Notify Agency of Loan Requests Shared Externally**  \nIf you have provided responses to loan requests outside of the system externally \\(e.g., through email or a file sharing link provided by the agency\\), you can mark notify the agency of loan requests as completed shared externally in bulk.\n-   **Bulk Assigning Loan Requests**  \nThe bulk assignment feature allows you to assign several loan requests to a member of your response team with a single action.\n-   **Sending LR Responses to the Agency in Bulk**  \nRather than responding to individual Loan Requests, you can send LR responses that are in “In Review” or “Ready to Send” statuses to the agency in bulk.\n-   **Searching Company Loan Request Responses**  \nAfter your company has sent loan request \\(LR\\) responses to the agency, you can search through the responses by borrower name, property state, response text, and file name.\n-   **Exporting Loan Requests**  \nYou can export a list of loan requests at any time for a supervisory activity that you are a company lead for.\n\n**Parent topic:**SES Examinations and Investigations Resources for Companies",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\LR\\topics\\c_company_LR_FileReq_Respond.md",
      "relative_path": "maps\\SES\\chapter\\LR\\topics\\c_company_LR_FileReq_Respond.md",
      "headings": [
        "Responding to Loan Requests {#c_RespondLoanFileReq_Intro .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/LR/topics/c_company_LR_FileReq_Respond.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/LR/topics/t_agency_LR_MSE_fileReqManaging.md:chunk-0",
      "title": "Managing Loan Requests on a Multi-state Examination {#t_managingLoanRequestsOnAMultiStateExamination .task}",
      "content": "# Managing Loan Requests on a Multi-state Examination \n\nStaff users who are participants from a Participating Agency on Multi-state Examinations can manage loan requests by assigning loan requests to participants from their agency.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Loan Requests**.\n\n    \n\n3.  Click **Bulk Assign Loan Requests**.\n\n    A list of all loan requests that have not been assigned appears.\n\n4.  Select the desired assignee from your agency.\n\n5.  Select the loan requests you want to assign to them.\n\n6.  Click **Assign Loan Requests**.\n\n    \n\n    **Note:** You can also select the **Loan Request ID** for any loan request to assign it individually.\n\n    1.  Select the desired **Loan Request ID** hyperlink.\n\n        \n\n    2.  Click **Assign Loan Request**.\n\n        \n\n    3.  Select the desired assignee from your agency.\n\n    4.  Click **Assign Loan Request**.\n\n        \n\n**Parent topic:**Managing Loan File Requests\n\n**Related information**  \n\nUploading Loan Requests \\(in Bulk\\)\n\nRemoving Loan Requests \\(in Bulk\\)\n\nAdding a Single Loan Request\n\nUpdating a Loan Request\n\nDeleting a Loan Request\n\nSending Loan Requests\n\nUpdating the Due Date for a Single Loan Request\n\nUpdating Due Dates for Multiple Loan Requests\n\nCanceling a Loan Request",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\LR\\topics\\t_agency_LR_MSE_fileReqManaging.md",
      "relative_path": "maps\\SES\\chapter\\LR\\topics\\t_agency_LR_MSE_fileReqManaging.md",
      "headings": [
        "Managing Loan Requests on a Multi-state Examination {#t_managingLoanRequestsOnAMultiStateExamination .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/LR/topics/t_agency_LR_MSE_fileReqManaging.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/LR/topics/t_agency_LR_addingSingle.md:chunk-0",
      "title": "Adding a Single Loan Request {#t_loanReqadding_a_single_loan_request .task}",
      "content": "# Adding a Single Loan Request \n\nLoan requests can be added to a supervisory activity either singly or in bulk. Use this task to add a single loan file request to your examination.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Loan Requests** > **Add Loan Request**.\n\n    \n\n3.  Fill out the required fields.\n\n4.  Click **Add Loan Request**.\n\n    \n\n**Parent topic:**Managing Loan File Requests\n\n**Related information**  \n\nUploading Loan Requests \\(in Bulk\\)\n\nRemoving Loan Requests \\(in Bulk\\)\n\nUpdating a Loan Request\n\nDeleting a Loan Request\n\nSending Loan Requests\n\nUpdating the Due Date for a Single Loan Request\n\nUpdating Due Dates for Multiple Loan Requests\n\nCanceling a Loan Request\n\nManaging Loan Requests on a Multi-state Examination",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\LR\\topics\\t_agency_LR_addingSingle.md",
      "relative_path": "maps\\SES\\chapter\\LR\\topics\\t_agency_LR_addingSingle.md",
      "headings": [
        "Adding a Single Loan Request {#t_loanReqadding_a_single_loan_request .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/LR/topics/t_agency_LR_addingSingle.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/LR/topics/t_agency_LR_assigningSingle.md:chunk-0",
      "title": "Assigning a Single Loan Request {#xd_90f2bef5a79901d9--3711426d-1926289d8fe--7ffc .task}",
      "content": "# Assigning a Single Loan Request \n\nYou can assign a loan request to SA participants for review.\n\nAll participants on an SA can assign loan requests to other participants from their agency.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Loan Requests** > **Loan Details**.\n\n    \n\n3.  Click the **Actions** ellipsis for the desired loan request.\n\n    \n\n    ![Actions ellipsis on Loan Request Details grid.]()\n\n4.  Select **Assign Loan Request**.\n\n5.  Select the desired assignee from the Assignee drop-down menu.\n\n6.  Click **Assign Loan Request**.\n\n**Parent topic:**Reviewing Loan Request Responses\n\n**Related information**  \n\nSearching Agency Loan Request Responses\n\nWorking a Single Loan Request Response\n\nBulk Working Loan Requests\n\nUploading General Loan Request Documents\n\nUndo Completion of Loan Request\n\nReworking a Completed Loan Request\n\nQuickly Adding a Finding\n\nManaging Associated Findings for Loan Requests\n\nBulk Assigning Loan Requests\n\nSending Back a Loan Request to the Company\n\nBulk Sending Back Loan Requests to the Company\n\nRecalling a Loan Request Sent to the Company",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\LR\\topics\\t_agency_LR_assigningSingle.md",
      "relative_path": "maps\\SES\\chapter\\LR\\topics\\t_agency_LR_assigningSingle.md",
      "headings": [
        "Assigning a Single Loan Request {#xd_90f2bef5a79901d9--3711426d-1926289d8fe--7ffc .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/LR/topics/t_agency_LR_assigningSingle.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/LR/topics/t_agency_LR_bulkSendback.md:chunk-0",
      "title": "Bulk Sending Back Loan Requests to the Company {#xd_747e8b14372f1a8c-a372523-1827838992c--7ff7 .task}",
      "content": "# Bulk Sending Back Loan Requests to the Company \n\nHow to send loan requests back in bulk after receiving responses.\n\nAfter receiving responses to loan requests from the company, you can send loan requests back to the company in bulk as many times as needed until their response is satisfactory. Use this functionality to send back loan requests that all have the same issue.\n\nPlease note the following restrictions with regard to file uploads in SES. It is recommended to use a ZIP folder or File Sharing Links when uploading large files or more than 25 files at a time.\n\n-   **File formats supported**: SES will accept all file formats, but the following commonly supported file types are recommended: PDF, Word®, Excel®, CSV, ZIP\n-   **Max file size**: 1 GB\n-   **For files larger than 1 GB[^1]:**\n    -   Use ZIP compression to reduce file to less than 1 GB[^1]\n    -   Split the file into multiple smaller files\n    -   Use File Sharing Links.\n-   **Max no. characters per file name:** 200\n-   **Max no. files per upload**: 25, for uploads larger than 25 total files:\n    1.  Upload first 25.\n    2.  Select the **Save Draft** option in Available Next Actions then click the **Save Draft** button.\n\n        **Note:** You may need to refresh the screen to see that the files have uploaded to the system.\n\n    3.  Return to the response screen to upload the next 25 files and repeat.\n-   **Total no. files**: unlimited\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Loan Requests**.\n\n    \n\n3.  Click **…** > **Bulk Send Back Loan Requests**.\n\n    \n\n4.  Select the desired loan requests from the grid.\n\n5.  Enter a file sharing link, comment, or upload a document.\n\n6.  Enter a new due date if the current date is in the past.\n\n7.  Select company response notification preferences.\n\n8.  Click **Send Back Loan Requests**.\n\n    \n\nA notification is sent to the company including the comments you entered.\n\n**Parent topic:**Reviewing Loan Request Responses\n\n**Related information**  \n\n",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\LR\\topics\\t_agency_LR_bulkSendback.md",
      "relative_path": "maps\\SES\\chapter\\LR\\topics\\t_agency_LR_bulkSendback.md",
      "headings": [
        "Bulk Sending Back Loan Requests to the Company {#xd_747e8b14372f1a8c-a372523-1827838992c--7ff7 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/LR/topics/t_agency_LR_bulkSendback.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/LR/topics/t_agency_LR_bulkSendback.md:chunk-1",
      "title": "Bulk Sending Back Loan Requests to the Company {#xd_747e8b14372f1a8c-a372523-1827838992c--7ff7 .task}",
      "content": "\n8.  Click **Send Back Loan Requests**.\n\n    \n\nA notification is sent to the company including the comments you entered.\n\n**Parent topic:**Reviewing Loan Request Responses\n\n**Related information**  \n\nSearching Agency Loan Request Responses\n\nWorking a Single Loan Request Response\n\nBulk Working Loan Requests\n\nUploading General Loan Request Documents\n\nUndo Completion of Loan Request\n\nReworking a Completed Loan Request\n\nQuickly Adding a Finding\n\nManaging Associated Findings for Loan Requests\n\nAssigning a Single Loan Request\n\nBulk Assigning Loan Requests\n\nSending Back a Loan Request to the Company\n\nRecalling a Loan Request Sent to the Company\n\n[^1]: For documents uploaded to the Interactions tab, the maximum file size is 25 MB.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\LR\\topics\\t_agency_LR_bulkSendback.md",
      "relative_path": "maps\\SES\\chapter\\LR\\topics\\t_agency_LR_bulkSendback.md",
      "headings": [
        "Bulk Sending Back Loan Requests to the Company {#xd_747e8b14372f1a8c-a372523-1827838992c--7ff7 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/LR/topics/t_agency_LR_bulkSendback.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/LR/topics/t_agency_LR_bulkWorking.md:chunk-0",
      "title": "Bulk Working Loan Requests {#xd_3daaf0d126289c2f-936c3ba-1866aa53950--7ff5 .task}",
      "content": "# Bulk Working Loan Requests \n\nWhen the company responds to loan requests, you can add notes, upload documents, associate findings, choose a retention period, and mark the response complete in bulk.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Loan Requests**.\n\n    \n\n3.  Click **Bulk Work Loan Requests.**\n\n    \n\n    **Note:** The Bulk Work Loan Requests screen opens in a new tab in your browser.\n\n4.  Click **Show Filters**, and select the appropriate filters to limit the list, click **Search**, then scroll and navigate through the pages until you find the desired Library item.\n\n    \n\n5.  Click **Work Loan Request**.\n\n    \n\n6.  Add any notes, upload the necessary documents, and determine whether there are any findings or violations associated with this loan request.\n\n    1.  Click **Quick Add a Finding**. This creates an association between the finding and the procedure in the system, and the association is displayed everywhere the finding and the procedure are displayed in the system.\n\n        \n\n    2.  To search through the full list of findings, click **Finding Search**.\n\n        \n\n    3.  You can also add and Matters Requiring Attention to the finding by clicking **Quick Add a MRA**.\n\n        \n\n        See Adding Matters Requiring Attention.\n\n        Adding an Matters Requiring Attention automatically associates the MRA to this finding. The MRA automatically moves to the Complete status.\n\n7.  Select the appropriate retention timeframe.\n\n8.  Select **Complete Review**.\n\n9.  Click **Complete Review** in the bottom right.\n\n    \n\n10. Continue to add loan request responses.\n\n11. Once done, click **I’m Done for Now** in the bottom left.\n\n    \n\n12. Close the Bulk Work Loan Requests tab and return to the SA record on the Loan Requests tab.\n\n**Parent topic:**Reviewing Loan Request Responses\n\n**Related information**  \n\nSearching Agency Loan Request Responses\n\nWorking a Single Loan Request Response\n\nUploading General Loan Request Documents\n\nUndo Completion",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\LR\\topics\\t_agency_LR_bulkWorking.md",
      "relative_path": "maps\\SES\\chapter\\LR\\topics\\t_agency_LR_bulkWorking.md",
      "headings": [
        "Bulk Working Loan Requests {#xd_3daaf0d126289c2f-936c3ba-1866aa53950--7ff5 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/LR/topics/t_agency_LR_bulkWorking.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/LR/topics/t_agency_LR_bulkWorking.md:chunk-1",
      "title": "Bulk Working Loan Requests {#xd_3daaf0d126289c2f-936c3ba-1866aa53950--7ff5 .task}",
      "content": "*Reviewing Loan Request Responses\n\n**Related information**  \n\nSearching Agency Loan Request Responses\n\nWorking a Single Loan Request Response\n\nUploading General Loan Request Documents\n\nUndo Completion of Loan Request\n\nReworking a Completed Loan Request\n\nQuickly Adding a Finding\n\nManaging Associated Findings for Loan Requests\n\nAssigning a Single Loan Request\n\nBulk Assigning Loan Requests\n\nSending Back a Loan Request to the Company\n\nBulk Sending Back Loan Requests to the Company\n\nRecalling a Loan Request Sent to the Company",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\LR\\topics\\t_agency_LR_bulkWorking.md",
      "relative_path": "maps\\SES\\chapter\\LR\\topics\\t_agency_LR_bulkWorking.md",
      "headings": [
        "Bulk Working Loan Requests {#xd_3daaf0d126289c2f-936c3ba-1866aa53950--7ff5 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/LR/topics/t_agency_LR_bulkWorking.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/LR/topics/t_agency_LR_fileReqCanceling.md:chunk-0",
      "title": "Canceling a Loan Request {#t_agency_LR_fileReqCanceling .task}",
      "content": "# Canceling a Loan Request \n\nThe Examiner in Charge or a staff user can cancel a loan request, removing it from the examination, while the loan request is still in the \"Sent to Company\" state.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Loan Requests**.\n\n    \n\n3.  Click the **Sent to Company** icon.\n\n    \n\n4.  Click the **Actions** ellipsis for the desired loan request.\n\n    \n\n    ![Actions ellipsis on Loan Request Details grid.]()\n\n5.  Select **Cancel Loan Request**.\n\n6.  Click **Cancel Loan Request**.\n\n    \n\n**Parent topic:**Managing Loan File Requests\n\n**Related information**  \n\nUploading Loan Requests \\(in Bulk\\)\n\nRemoving Loan Requests \\(in Bulk\\)\n\nAdding a Single Loan Request\n\nUpdating a Loan Request\n\nDeleting a Loan Request\n\nSending Loan Requests\n\nUpdating the Due Date for a Single Loan Request\n\nUpdating Due Dates for Multiple Loan Requests\n\nManaging Loan Requests on a Multi-state Examination",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\LR\\topics\\t_agency_LR_fileReqCanceling.md",
      "relative_path": "maps\\SES\\chapter\\LR\\topics\\t_agency_LR_fileReqCanceling.md",
      "headings": [
        "Canceling a Loan Request {#t_agency_LR_fileReqCanceling .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/LR/topics/t_agency_LR_fileReqCanceling.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/LR/topics/t_agency_LR_fileReqDeleting.md:chunk-0",
      "title": "Deleting a Loan Request {#t_loanReqdeleting_a_loan_request .task}",
      "content": "# Deleting a Loan Request \n\nIf a loan file request is no longer necessary for the supervisory activity, you can delete it from the SA.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Loan Requests**.\n\n    \n\n3.  Click the **Ready to Send** icon.\n\n    \n\n4.  Click the **Actions** ellipsis for the desired loan request.\n\n    \n\n    ![Actions ellipsis on Loan Request Details grid.]()\n\n5.  Select **Delete Loan Request**.\n\n6.  Click **Delete Loan Request**.\n\n    \n\n**Parent topic:**Managing Loan File Requests\n\n**Related information**  \n\nUploading Loan Requests \\(in Bulk\\)\n\nRemoving Loan Requests \\(in Bulk\\)\n\nAdding a Single Loan Request\n\nUpdating a Loan Request\n\nSending Loan Requests\n\nUpdating the Due Date for a Single Loan Request\n\nUpdating Due Dates for Multiple Loan Requests\n\nCanceling a Loan Request\n\nManaging Loan Requests on a Multi-state Examination",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\LR\\topics\\t_agency_LR_fileReqDeleting.md",
      "relative_path": "maps\\SES\\chapter\\LR\\topics\\t_agency_LR_fileReqDeleting.md",
      "headings": [
        "Deleting a Loan Request {#t_loanReqdeleting_a_loan_request .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/LR/topics/t_agency_LR_fileReqDeleting.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/LR/topics/t_agency_LR_fileReqDueDateUpdating.md:chunk-0",
      "title": "Updating Due Dates for Multiple Loan Requests {#t_loanRequpdating_the_due_date_for_a_loan_request .task}",
      "content": "# Updating Due Dates for Multiple Loan Requests \n\nYou can update the due dates for multiple loan requests in bulk.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Loan Requests**.\n\n    \n\n3.  Click **Update Loan Request Due Date.**\n\n    \n\n4.  Enter **New Due Date.**\n\n    \n\n5.  Click **Select All** to update multiple loan requests.\n\n    **Note:** You can deselect any loan requests you do not want to update.\n\n6.  Click **Update Due Dates**\n\n    \n\n    All active participants on the SA receive a notification with the new due date.\n\n**Parent topic:**Managing Loan File Requests\n\n**Related information**  \n\nUploading Loan Requests \\(in Bulk\\)\n\nRemoving Loan Requests \\(in Bulk\\)\n\nAdding a Single Loan Request\n\nUpdating a Loan Request\n\nDeleting a Loan Request\n\nSending Loan Requests\n\nUpdating the Due Date for a Single Loan Request\n\nCanceling a Loan Request\n\nManaging Loan Requests on a Multi-state Examination",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\LR\\topics\\t_agency_LR_fileReqDueDateUpdating.md",
      "relative_path": "maps\\SES\\chapter\\LR\\topics\\t_agency_LR_fileReqDueDateUpdating.md",
      "headings": [
        "Updating Due Dates for Multiple Loan Requests {#t_loanRequpdating_the_due_date_for_a_loan_request .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/LR/topics/t_agency_LR_fileReqDueDateUpdating.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/LR/topics/t_agency_LR_fileReqRemovingBulk.md:chunk-0",
      "title": "Removing Loan Requests \\(in Bulk\\) {#concept_rdb_gxh_fsb .task}",
      "content": "# Removing Loan Requests \\(in Bulk\\) \n\nYou can remove multiple loan requests in bulk that you have added to an SA before the report is sent to the company.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Loan Requests** > **…** > **Remove Loan Requests**.\n\n    \n\n    You are presented with a list of all loan requests that have not been sent to the company and are in a “Ready to Send” status.\n\n3.  Select the red **X** for the loan requests you want to remove.\n\n    \n\n4.  Click **Remove Loan Requests**.\n\n    \n\n**Parent topic:**Managing Loan File Requests\n\n**Related information**  \n\nUploading Loan Requests \\(in Bulk\\)\n\nAdding a Single Loan Request\n\nUpdating a Loan Request\n\nDeleting a Loan Request\n\nSending Loan Requests\n\nUpdating the Due Date for a Single Loan Request\n\nUpdating Due Dates for Multiple Loan Requests\n\nCanceling a Loan Request\n\nManaging Loan Requests on a Multi-state Examination",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\LR\\topics\\t_agency_LR_fileReqRemovingBulk.md",
      "relative_path": "maps\\SES\\chapter\\LR\\topics\\t_agency_LR_fileReqRemovingBulk.md",
      "headings": [
        "Removing Loan Requests \\(in Bulk\\) {#concept_rdb_gxh_fsb .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/LR/topics/t_agency_LR_fileReqRemovingBulk.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/LR/topics/t_agency_LR_fileReqSending.md:chunk-0",
      "title": "Sending Loan Requests {#t_loanReqsending_loan_requests .task}",
      "content": "# Sending Loan Requests \n\nWhen your loan requests are ready, send them to the company for response. You can assign a due date for response, a file-sharing link to facilitate transer, and reminders for loan requests awaiting response.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Loan Requests**.\n\n    \n\n3.  Make sure you have loan requests that are **Ready to Send.**\n\n    \n\n4.  Click **Send Loan Requests**.\n\n    \n\n5.  Enter a **Bulk Due Date**.\n\n    **Note:** All loan requests are selected by default. **Deselect a loan request by clicking anywhere on the row.** The bulk due date will be applied to all loan requests that do not have a due date set. Update an individual due date by clicking on the due date link.\n\n    \n\n6.  Click **Click here to Validate the selected Information Requests**.\n\n    \n\n    **Note:** This step validates the due dates entered for the loan requests you selected to send to the company.\n\n7.  Add a response file sharing link, if applicable.\n\n    \n\n    **Note:** If multiple file sharing links are used throughout the loan request review process, they are captured on the summary page.\n\n    \n\n8.  Enter comments to company \\(if applicable\\), upload necessary documents, and select whether you would like to be notified when the company responds to the loan requests.\n\n    **Note:** You can send a reminder to all company participants for all outstanding loan requests in the Loan Request Reminders section on the Loan Requests page.\n\n    \n\n**Parent topic:**Managing Loan File Requests\n\n**Related information**  \n\nUploading Loan Requests \\(in Bulk\\)\n\nRemoving Loan Requests \\(in Bulk\\)\n\nAdding a Single Loan Request\n\nUpdating a Loan Request\n\nDeleting a Loan Request\n\nUpdating the Due Date for a Single Loan Request\n\nUpdating Due Dates for Multiple Loan Requests\n\nCanceling a Loan Request\n\nManaging Loan Requests on a Multi-state Examination",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\LR\\topics\\t_agency_LR_fileReqSending.md",
      "relative_path": "maps\\SES\\chapter\\LR\\topics\\t_agency_LR_fileReqSending.md",
      "headings": [
        "Sending Loan Requests {#t_loanReqsending_loan_requests .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/LR/topics/t_agency_LR_fileReqSending.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/LR/topics/t_agency_LR_fileReqUpdating.md:chunk-0",
      "title": "Updating a Loan Request {#t_loanRequpdating_a_loan_request .task}",
      "content": "# Updating a Loan Request \n\nYou can add or update the information on a loan request by opening the SA, making the necessary changes, and saving the updated loan request.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Loan Requests**.\n\n    \n\n3.  Click the **Ready to Send** icon.\n\n    \n\n4.  Click the **Actions** ellipsis for the desired loan request.\n\n    \n\n    ![Actions ellipsis on Loan Request Details grid.]()\n\n5.  Select **Update Loan Request**.\n\n6.  Update the necessary fields.\n\n7.  Click **Update Loan Request**.\n\n    \n\n**Parent topic:**Managing Loan File Requests\n\n**Related information**  \n\nUploading Loan Requests \\(in Bulk\\)\n\nRemoving Loan Requests \\(in Bulk\\)\n\nAdding a Single Loan Request\n\nDeleting a Loan Request\n\nSending Loan Requests\n\nUpdating the Due Date for a Single Loan Request\n\nUpdating Due Dates for Multiple Loan Requests\n\nCanceling a Loan Request\n\nManaging Loan Requests on a Multi-state Examination",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\LR\\topics\\t_agency_LR_fileReqUpdating.md",
      "relative_path": "maps\\SES\\chapter\\LR\\topics\\t_agency_LR_fileReqUpdating.md",
      "headings": [
        "Updating a Loan Request {#t_loanRequpdating_a_loan_request .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/LR/topics/t_agency_LR_fileReqUpdating.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/LR/topics/t_agency_LR_fileReqUploadingBulk.md:chunk-0",
      "title": "Uploading Loan Requests \\(in Bulk\\) {#t_loanRequploading_loan_requests .task}",
      "content": "# Uploading Loan Requests \\(in Bulk\\) \n\nUse this procedure to upload a batch of loan requests in a Microsoft® Excel® file.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Loan Requests** > **…** > **Upload Loan Requests**.\n\n    \n\n3.  Click **Download Template** for the latest version of the loan request upload file.\n\n    **Note:** The template is in a .xlsx format \\(no longer CSV\\) to allow for a drop-down selection for the **Loan Type**column. Provide the necessary details in the template. The only required fields on the template are the **Loan Number** or **Account Number** and the **Borrower Last Name**.\n\n4.  Complete the template and save it to your computer.\n\n    **Note:** Use the **Assignee** column to assign a loan request to another participant on the SA. You must include the **Loan Request Assignee ID** found on the Participants tab.\n\n    \n\n    **Note:** Use the **Comments** column to indicate the Loan Type if it is not available for selection in the **Loan Type** drop-down menu.\n\n5.  Click **Upload** to upload the populated template \\(Microsoft® Excel® file\\) containing the loan request file data.\n\n6.  Click **Upload Loan Requests**.\n\n    \n\n    If there are any mistakes the following page will display:\n\n    \n\n    Fix any errors using the edit and save icons.\n\n7.  Click **Add Loan Requests**.\n\n    \n\n    The number of loan requests is updated in the dashboard.\n\n**Parent topic:**Managing Loan File Requests\n\n**Related information**  \n\nRemoving Loan Requests \\(in Bulk\\)\n\nAdding a Single Loan Request\n\nUpdating a Loan Request\n\nDeleting a Loan Request\n\nSending Loan Requests\n\nUpdating the Due Date for a Single Loan Request\n\nUpdating Due Dates for Multiple Loan Requests\n\nCanceling a Loan Request\n\nManaging Loan Requests on a Multi-state Examination",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\LR\\topics\\t_agency_LR_fileReqUploadingBulk.md",
      "relative_path": "maps\\SES\\chapter\\LR\\topics\\t_agency_LR_fileReqUploadingBulk.md",
      "headings": [
        "Uploading Loan Requests \\(in Bulk\\) {#t_loanRequploading_loan_requests .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/LR/topics/t_agency_LR_fileReqUploadingBulk.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/LR/topics/t_agency_LR_generalDocumentUpload.md:chunk-0",
      "title": "Uploading General Loan Request Documents {#xd_19818fa6c2797726-ec28950-18f49239a68--7ffb .task}",
      "content": "# Uploading General Loan Request Documents \n\nActive agency participants on a supervisory activity \\(SA\\) can upload general loan request documents to an SA.\n\nFollow these steps to upload a document that applies to all loan requests for an SA rather than uploading the same document to each loan request.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Loan Requests**.\n\n    \n\n3.  Click **Add General Loan Request Documents**.\n\n    \n\n4.  Upload any necessary documents.\n\n    **Note:** See Uploading Documents for details on uploading documents.\n\n5.  Click **Add Documents**.\n\n    \n\n    **Note:** General documents are not shared with the company. They are internal documents that are only shared within your agency.\n\nGeneral loan request documents are displayed at the bottom of the Loan Summary tab by clicking the**+ Show General Loan Request Documents** link.\n\n**Parent topic:**Reviewing Loan Request Responses\n\n**Related information**  \n\nSearching Agency Loan Request Responses\n\nWorking a Single Loan Request Response\n\nBulk Working Loan Requests\n\nUndo Completion of Loan Request\n\nReworking a Completed Loan Request\n\nQuickly Adding a Finding\n\nManaging Associated Findings for Loan Requests\n\nAssigning a Single Loan Request\n\nBulk Assigning Loan Requests\n\nSending Back a Loan Request to the Company\n\nBulk Sending Back Loan Requests to the Company\n\nRecalling a Loan Request Sent to the Company",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\LR\\topics\\t_agency_LR_generalDocumentUpload.md",
      "relative_path": "maps\\SES\\chapter\\LR\\topics\\t_agency_LR_generalDocumentUpload.md",
      "headings": [
        "Uploading General Loan Request Documents {#xd_19818fa6c2797726-ec28950-18f49239a68--7ffb .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/LR/topics/t_agency_LR_generalDocumentUpload.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/LR/topics/t_agency_LR_recall.md:chunk-0",
      "title": "Recalling a Loan Request Sent to the Company {#xd_2b3305af4d4567d9-5d5818f3-19286bc1ee2--7ffb .task}",
      "content": "# Recalling a Loan Request Sent to the Company \n\nBefore the company responds to a loan request \\(LR\\) or the report has been sent, you can recall an LR that has been sent \\(or sent back\\) to the company.\n\nAll active agency participants with the ability to work a loan request can recall an LR.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Loan Requests**.\n\n    \n\n3.  Click the **Sent to Company**icon.\n\n    \n\n4.  Click the **Actions** ellipsis for the desired loan request.\n\n    \n\n    ![Actions ellipsis on Loan Request Details grid.]()\n\n5.  Select **Recall Loan Request**.\n\n6.  Click **Recall Loan Request**.\n\n    The LR returns to a \"Ready to Send\" status and is able to updated, as needed.\n\n    If the LR was already responded to by the company and it was sent back, it returns to a \"Response Received\" status and is able to be re-worked. All previous work papers and notes are maintained.\n\n**Parent topic:**Reviewing Loan Request Responses\n\n**Related information**  \n\nSearching Agency Loan Request Responses\n\nWorking a Single Loan Request Response\n\nBulk Working Loan Requests\n\nUploading General Loan Request Documents\n\nUndo Completion of Loan Request\n\nReworking a Completed Loan Request\n\nQuickly Adding a Finding\n\nManaging Associated Findings for Loan Requests\n\nAssigning a Single Loan Request\n\nBulk Assigning Loan Requests\n\nSending Back a Loan Request to the Company\n\nBulk Sending Back Loan Requests to the Company",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\LR\\topics\\t_agency_LR_recall.md",
      "relative_path": "maps\\SES\\chapter\\LR\\topics\\t_agency_LR_recall.md",
      "headings": [
        "Recalling a Loan Request Sent to the Company {#xd_2b3305af4d4567d9-5d5818f3-19286bc1ee2--7ffb .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/LR/topics/t_agency_LR_recall.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/LR/topics/t_agency_LR_responseSearch.md:chunk-0",
      "title": "Searching Agency Loan Request Responses {#xd_e7258dbb5054f634-3c754ecb-18a7f8a4bed--7ffb .task}",
      "content": "# Searching Agency Loan Request Responses \n\nAfter a company has sent loan request \\(LR\\) responses to your agency, you can search through the responses by borrower name, property state, response text, and file name.\n\nThe Loan Request Response Search tab is displayed on the Loan Requests tab for a supervisory activity after a company has sent LR responses to an agency. You can only view the Loan Request Response Search tab for Supervisory Activities that are assigned to you.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Loan Requests**.\n\n    \n\n3.  Click **Loan Request Response Search**.\n\n    **Note:** If the Loan Request Response Search tab is not visible, then either there are no LRs that have been responded to or you are not assigned to the supervisory activity.\n\n4.  Search or filter your LR responses using the following options:\n\n    -   **Loan Request ID**: Search for the loan request ID number.\n    -   **Borrower First/Last Name**: Search the text of borrower names to find associated responses.\n    -   **Response**: Search the text of LRs sent to an agency.\n    -   **Loan Number**: Search for the loan request number.\n    -   **Property State**: Filter the LR responses according to the state in which the property for the loan is located.\n    -   **File Name**: Search for LR responses with file attachments matching the specified name.\n    -   **Account Number**: Search for the account number.\n    -   **Has Attachments**: Filter LR responses according to whether they have documents attached.\n    -   **Show Agency Responses**: Show or hide agency responses to a company's LR responses. This is helpful for finding LR responses that may require additional information.\n5.  Depending on the status of the loan request, you can send the LR back to the company, update the due date, or work the LR.\n\n6.  You can scroll to the bottom of the list and click **Export to Excel**.\n\n    \n\n    The filtered Loan Request Response search list is emailed to you in an att",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\LR\\topics\\t_agency_LR_responseSearch.md",
      "relative_path": "maps\\SES\\chapter\\LR\\topics\\t_agency_LR_responseSearch.md",
      "headings": [
        "Searching Agency Loan Request Responses {#xd_e7258dbb5054f634-3c754ecb-18a7f8a4bed--7ffb .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/LR/topics/t_agency_LR_responseSearch.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/LR/topics/t_agency_LR_responseSearch.md:chunk-1",
      "title": "Searching Agency Loan Request Responses {#xd_e7258dbb5054f634-3c754ecb-18a7f8a4bed--7ffb .task}",
      "content": " update the due date, or work the LR.\n\n6.  You can scroll to the bottom of the list and click **Export to Excel**.\n\n    \n\n    The filtered Loan Request Response search list is emailed to you in an attached Excel spreadsheet.\n\n**Parent topic:**Reviewing Loan Request Responses\n\n**Related information**  \n\nWorking a Single Loan Request Response\n\nBulk Working Loan Requests\n\nUploading General Loan Request Documents\n\nUndo Completion of Loan Request\n\nReworking a Completed Loan Request\n\nQuickly Adding a Finding\n\nManaging Associated Findings for Loan Requests\n\nAssigning a Single Loan Request\n\nBulk Assigning Loan Requests\n\nSending Back a Loan Request to the Company\n\nBulk Sending Back Loan Requests to the Company\n\nRecalling a Loan Request Sent to the Company",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\LR\\topics\\t_agency_LR_responseSearch.md",
      "relative_path": "maps\\SES\\chapter\\LR\\topics\\t_agency_LR_responseSearch.md",
      "headings": [
        "Searching Agency Loan Request Responses {#xd_e7258dbb5054f634-3c754ecb-18a7f8a4bed--7ffb .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/LR/topics/t_agency_LR_responseSearch.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/LR/topics/t_agency_LR_sendBack.md:chunk-0",
      "title": "Sending Back a Loan Request to the Company {#xd_747e8b14372f1a8c-a372523-1827838992c--7ffb .task}",
      "content": "# Sending Back a Loan Request to the Company \n\nHow to send a single loan request back after receiving a response.\n\nAfter receiving a response to a loan request from the company, you can send the loan request back to the company as many times as needed until their response is satisfactory.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Loan Requests**.\n\n    \n\n3.  Click the **Response Received** icon.\n\n    \n\n4.  Click the **Actions** ellipsis for the desired loan request.\n\n    \n\n    ![Actions ellipsis on Loan Request Details grid.]()\n\n5.  Select **Send Back to Company**.\n\n6.  Enter a due date.\n\n7.  Enter a comment in the **Response** field or upload a document.\n\n    Please note the following restrictions with regard to file uploads in SES. It is recommended to use a ZIP folder or File Sharing Links when uploading large files or more than 25 files at a time.\n\n    -   **File formats supported**: SES will accept all file formats, but the following commonly supported file types are recommended: PDF, Word®, Excel®, CSV, ZIP\n    -   **Max file size**: 1 GB\n    -   **For files larger than 1 GB[^1]:**\n        -   Use ZIP compression to reduce file to less than 1 GB[^1]\n        -   Split the file into multiple smaller files\n        -   Use File Sharing Links.\n    -   **Max no. characters per file name:** 200\n    -   **Max no. files per upload**: 25, for uploads larger than 25 total files:\n        1.  Upload first 25.\n        2.  Select the **Save Draft** option in Available Next Actions then click the **Save Draft** button.\n\n            **Note:** You may need to refresh the screen to see that the files have uploaded to the system.\n\n        3.  Return to the response screen to upload the next 25 files and repeat.\n    -   **Total no. files**: unlimited\n8.  Select company response notification preferences.\n\n9.  Click **Send Back to Company**.\n\n    \n\n**Parent topic:**Reviewing Loan Request Responses\n\n**Related information**  \n\nSearching Agency Loan Request Response",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\LR\\topics\\t_agency_LR_sendBack.md",
      "relative_path": "maps\\SES\\chapter\\LR\\topics\\t_agency_LR_sendBack.md",
      "headings": [
        "Sending Back a Loan Request to the Company {#xd_747e8b14372f1a8c-a372523-1827838992c--7ffb .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/LR/topics/t_agency_LR_sendBack.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/LR/topics/t_agency_LR_sendBack.md:chunk-1",
      "title": "Sending Back a Loan Request to the Company {#xd_747e8b14372f1a8c-a372523-1827838992c--7ffb .task}",
      "content": "pany response notification preferences.\n\n9.  Click **Send Back to Company**.\n\n    \n\n**Parent topic:**Reviewing Loan Request Responses\n\n**Related information**  \n\nSearching Agency Loan Request Responses\n\nWorking a Single Loan Request Response\n\nBulk Working Loan Requests\n\nUploading General Loan Request Documents\n\nUndo Completion of Loan Request\n\nReworking a Completed Loan Request\n\nQuickly Adding a Finding\n\nManaging Associated Findings for Loan Requests\n\nAssigning a Single Loan Request\n\nBulk Assigning Loan Requests\n\nBulk Sending Back Loan Requests to the Company\n\nRecalling a Loan Request Sent to the Company\n\n[^1]: For documents uploaded to the Interactions tab, the maximum file size is 25 MB.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\LR\\topics\\t_agency_LR_sendBack.md",
      "relative_path": "maps\\SES\\chapter\\LR\\topics\\t_agency_LR_sendBack.md",
      "headings": [
        "Sending Back a Loan Request to the Company {#xd_747e8b14372f1a8c-a372523-1827838992c--7ffb .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/LR/topics/t_agency_LR_sendBack.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/LR/topics/t_agency_LR_undoCompletion.md:chunk-0",
      "title": "Undo Completion of Loan Request {#xd_2b3305af4d4567d9-5d5818f3-19286bc1ee2--7ffc .task}",
      "content": "# Undo Completion of Loan Request \n\nYou can undo the completion of a loan request before the report is sent to the company.\n\nAll active agency participants with the ability to work a loan request can undo the completion of a loan request.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Loan Requests**.\n\n    \n\n3.  Click the **Complete** icon.\n\n    \n\n4.  Click the **Actions** ellipsis for the desired loan request.\n\n    \n\n    ![Actions ellipsis on Loan Request Details grid.]()\n\n5.  Select **Undo Completion of Loan Request**.\n\n6.  Click **Recall Loan Request**.\n\n    The loan request returns to a \"Response Received\" status and is able to be re-worked. All previous work papers and notes are maintained.\n\n**Parent topic:**Reviewing Loan Request Responses\n\n**Related information**  \n\nSearching Agency Loan Request Responses\n\nWorking a Single Loan Request Response\n\nBulk Working Loan Requests\n\nUploading General Loan Request Documents\n\nReworking a Completed Loan Request\n\nQuickly Adding a Finding\n\nManaging Associated Findings for Loan Requests\n\nAssigning a Single Loan Request\n\nBulk Assigning Loan Requests\n\nSending Back a Loan Request to the Company\n\nBulk Sending Back Loan Requests to the Company\n\nRecalling a Loan Request Sent to the Company",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\LR\\topics\\t_agency_LR_undoCompletion.md",
      "relative_path": "maps\\SES\\chapter\\LR\\topics\\t_agency_LR_undoCompletion.md",
      "headings": [
        "Undo Completion of Loan Request {#xd_2b3305af4d4567d9-5d5818f3-19286bc1ee2--7ffc .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/LR/topics/t_agency_LR_undoCompletion.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/LR/topics/t_agency_LR_updatingDueDateSingleLR.md:chunk-0",
      "title": "Updating the Due Date for a Single Loan Request {#xd_2b3305af4d4567d9-5d5818f3-19286bc1ee2--7ffa .task}",
      "content": "# Updating the Due Date for a Single Loan Request \n\nYou can update the due date for a single loan request \\(LR\\).\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Loan Requests**.\n\n    \n\n3.  Click the **Sent to Company** icon.\n\n    \n\n4.  Click the **Actions** ellipsis for the desired loan request.\n\n    \n\n    ![Actions ellipsis on Loan Request Details grid.]()\n\n5.  Select **Update Due Date**.\n\n6.  Enter a new **Response Due Date**.\n\n7.  Click **Update Due Date**.\n\n**Parent topic:**Managing Loan File Requests\n\n**Related information**  \n\nUploading Loan Requests \\(in Bulk\\)\n\nRemoving Loan Requests \\(in Bulk\\)\n\nAdding a Single Loan Request\n\nUpdating a Loan Request\n\nDeleting a Loan Request\n\nSending Loan Requests\n\nUpdating Due Dates for Multiple Loan Requests\n\nCanceling a Loan Request\n\nManaging Loan Requests on a Multi-state Examination",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\LR\\topics\\t_agency_LR_updatingDueDateSingleLR.md",
      "relative_path": "maps\\SES\\chapter\\LR\\topics\\t_agency_LR_updatingDueDateSingleLR.md",
      "headings": [
        "Updating the Due Date for a Single Loan Request {#xd_2b3305af4d4567d9-5d5818f3-19286bc1ee2--7ffa .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/LR/topics/t_agency_LR_updatingDueDateSingleLR.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/LR/topics/t_agency_agentLocationRequests_updating.md:chunk-0",
      "title": "Updating Agent Location Requests {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7fbc .task}",
      "content": "# Updating Agent Location Requests \n\nLearn how to update the details of an agent location request on an SA in SES as part of an MSB examination.\n\nUpdate the details of an agent location request before sending it to the company.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Agent Location Requests**.\n\n3.  Click the **Ready to Send** icon on the Agent Location Request Summary.\n\n4.  In the Agent Location Request Details table, under the Actions column, select **⋮** for the desired agent location request to show the list of available actions.\n\n5.  Select **Update Agent Location Request**.\n\n6.  Make the desired changes.\n\n7.  Click the **Update Agent Location Request** button.\n\n**Parent topic:**Agent Location Requests",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\LR\\topics\\t_agency_agentLocationRequests_updating.md",
      "relative_path": "maps\\SES\\chapter\\LR\\topics\\t_agency_agentLocationRequests_updating.md",
      "headings": [
        "Updating Agent Location Requests {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7fbc .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/LR/topics/t_agency_agentLocationRequests_updating.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/LR/topics/t_agency_reworkingCompletedLoanReq.md:chunk-0",
      "title": "Reworking a Completed Loan Request {#t_agency_reworkingCompletedLoanReq .task}",
      "content": "# Reworking a Completed Loan Request \n\nYou can re-work a completed loan request response sent by the company if you do it before the report is sent.\n\nTo find your completed loan requests:\n\n1.  Click **Loan Requests**.\n\n    \n\n2.  Click the **Complete** icon.\n\n    \n\n3.  Follow the usual steps for working a loan request described in Working a Single Loan Request Response.\n\n**Parent topic:**Reviewing Loan Request Responses\n\n**Related information**  \n\nSearching Agency Loan Request Responses\n\nWorking a Single Loan Request Response\n\nBulk Working Loan Requests\n\nUploading General Loan Request Documents\n\nUndo Completion of Loan Request\n\nQuickly Adding a Finding\n\nManaging Associated Findings for Loan Requests\n\nAssigning a Single Loan Request\n\nBulk Assigning Loan Requests\n\nSending Back a Loan Request to the Company\n\nBulk Sending Back Loan Requests to the Company\n\nRecalling a Loan Request Sent to the Company",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\LR\\topics\\t_agency_reworkingCompletedLoanReq.md",
      "relative_path": "maps\\SES\\chapter\\LR\\topics\\t_agency_reworkingCompletedLoanReq.md",
      "headings": [
        "Reworking a Completed Loan Request {#t_agency_reworkingCompletedLoanReq .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/LR/topics/t_agency_reworkingCompletedLoanReq.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/LR/topics/t_agencyassociatingLoanRequestsToFindings.md:chunk-0",
      "title": "Managing Associated Findings for Loan Requests {#t_agencyassociatingLoanRequestsToFindings .task}",
      "content": "# Managing Associated Findings for Loan Requests \n\nYou can associate findings to loan requests that have been sent to the company.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Loan Requests** > **Loan Details**.\n\n    \n\n3.  Click the **Actions** ellipsis for the desired loan request.\n\n    \n\n    ![Actions ellipsis on Loan Request Details grid.]()\n\n4.  Select **Manage Finding Association**.\n\n5.  Search for the relevant findings.\n\n6.  Select the desired findings from the grid.\n\n7.  Click **Confirm Associations**.\n\n    \n\nThe request is now associated to specific findings and is displayed on the Loan Request Details page in the Associated Findings section.\n\n**Parent topic:**Reviewing Loan Request Responses\n\n**Related information**  \n\nSearching Agency Loan Request Responses\n\nWorking a Single Loan Request Response\n\nBulk Working Loan Requests\n\nUploading General Loan Request Documents\n\nUndo Completion of Loan Request\n\nReworking a Completed Loan Request\n\nQuickly Adding a Finding\n\nAssigning a Single Loan Request\n\nBulk Assigning Loan Requests\n\nSending Back a Loan Request to the Company\n\nBulk Sending Back Loan Requests to the Company\n\nRecalling a Loan Request Sent to the Company",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\LR\\topics\\t_agencyassociatingLoanRequestsToFindings.md",
      "relative_path": "maps\\SES\\chapter\\LR\\topics\\t_agencyassociatingLoanRequestsToFindings.md",
      "headings": [
        "Managing Associated Findings for Loan Requests {#t_agencyassociatingLoanRequestsToFindings .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/LR/topics/t_agencyassociatingLoanRequestsToFindings.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/LR/topics/t_agencybulkAssigningLoanRequests.md:chunk-0",
      "title": "Bulk Assigning Loan Requests {#t_agencybulkAssigningLoanRequests .task}",
      "content": "# Bulk Assigning Loan Requests \n\nYou can assign loan requests in bulk to one or more participants for review.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click the **Loan Requests** > **Bulk Assign Loan Requests**.\n\n    \n\n3.  Select a participant from the **Assignee** list.\n\n4.  Select each row to highlight the Loan Requests you wish to assign to the assignee.\n\n5.  Click **Assign \\# Loan Requests**.\n\n    \n\n    **Note:** You also have the option of assigning the selected loan requests to the assignee, then remaining on the page to assign more loan requests to other assignees.\n\n    \n\n**Parent topic:**Reviewing Loan Request Responses\n\n**Related information**  \n\nSearching Agency Loan Request Responses\n\nWorking a Single Loan Request Response\n\nBulk Working Loan Requests\n\nUploading General Loan Request Documents\n\nUndo Completion of Loan Request\n\nReworking a Completed Loan Request\n\nQuickly Adding a Finding\n\nManaging Associated Findings for Loan Requests\n\nAssigning a Single Loan Request\n\nSending Back a Loan Request to the Company\n\nBulk Sending Back Loan Requests to the Company\n\nRecalling a Loan Request Sent to the Company",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\LR\\topics\\t_agencybulkAssigningLoanRequests.md",
      "relative_path": "maps\\SES\\chapter\\LR\\topics\\t_agencybulkAssigningLoanRequests.md",
      "headings": [
        "Bulk Assigning Loan Requests {#t_agencybulkAssigningLoanRequests .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/LR/topics/t_agencybulkAssigningLoanRequests.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/LR/topics/t_agencyquicklyAddingAFinding.md:chunk-0",
      "title": "Quickly Adding a Finding {#t_agencyquicklyAddingAFinding .task}",
      "content": "# Quickly Adding a Finding \n\nYou have the option to Findings or Adding Matters Requiring Attention and commentary while entering observations to a loan request.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Loan Requests** > **Loan Details**.\n\n    \n\n3.  Click the **Response Received** icon.\n\n    \n\n4.  Click the **Actions** ellipsis for the desired loan request.\n\n    \n\n    ![Actions ellipsis on Loan Request Details grid.]()\n\n5.  Select **Work Loan Request**.\n\n6.  Click **Quick Add a Finding**. This creates an association between the finding and the loan request in the system, and the association is displayed everywhere the finding and the loan request are displayed in the system.\n\n    \n\n7.  You can also add and Matters Requiring Attention to the finding by clicking **Quick Add a MRA**.\n\n    \n\n    See Adding Matters Requiring Attention.\n\n    Adding an Matters Requiring Attention automatically associates the MRA to this finding. The MRA automatically moves to the Complete status.\n\n**Parent topic:**Reviewing Loan Request Responses\n\n**Related information**  \n\nSearching Agency Loan Request Responses\n\nWorking a Single Loan Request Response\n\nBulk Working Loan Requests\n\nUploading General Loan Request Documents\n\nUndo Completion of Loan Request\n\nReworking a Completed Loan Request\n\nManaging Associated Findings for Loan Requests\n\nAssigning a Single Loan Request\n\nBulk Assigning Loan Requests\n\nSending Back a Loan Request to the Company\n\nBulk Sending Back Loan Requests to the Company\n\nRecalling a Loan Request Sent to the Company",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\LR\\topics\\t_agencyquicklyAddingAFinding.md",
      "relative_path": "maps\\SES\\chapter\\LR\\topics\\t_agencyquicklyAddingAFinding.md",
      "headings": [
        "Quickly Adding a Finding {#t_agencyquicklyAddingAFinding .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/LR/topics/t_agencyquicklyAddingAFinding.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/LR/topics/t_agencyworkingALoanRequestResponse.md:chunk-0",
      "title": "Working a Single Loan Request Response {#t_agencyworkingALoanRequestResponse .task}",
      "content": "# Working a Single Loan Request Response \n\nWhen the company responds to a loan request, you can add notes, upload documents, associate findings, choose a retention period, and mark the response complete.\n\nSee Bulk Working Loan Requests for more information on how to work more than one loan request at a time.\n\n**Note:** If the company responded to a loan request via an external source like email or a file sharing link, it is indicated in the Responses section of the Loan Details pane.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Loan Requests** > **Loan Details**.\n\n    \n\n3.  Click the **Actions** ellipsis for the desired loan request.\n\n    \n\n    ![Actions ellipsis on Loan Request Details grid.]()\n\n4.  Select **Work Loan Request**.\n\n5.  Select the appropriate retention policy.\n\n6.  Select **Complete Review**.\n\n7.  Click **Complete Review** in the bottom right.\n\n    \n\n8.  Click **Confirm**.\n\n**Parent topic:**Reviewing Loan Request Responses\n\n**Related information**  \n\nSearching Agency Loan Request Responses\n\nBulk Working Loan Requests\n\nUploading General Loan Request Documents\n\nUndo Completion of Loan Request\n\nReworking a Completed Loan Request\n\nQuickly Adding a Finding\n\nManaging Associated Findings for Loan Requests\n\nAssigning a Single Loan Request\n\nBulk Assigning Loan Requests\n\nSending Back a Loan Request to the Company\n\nBulk Sending Back Loan Requests to the Company\n\nRecalling a Loan Request Sent to the Company",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\LR\\topics\\t_agencyworkingALoanRequestResponse.md",
      "relative_path": "maps\\SES\\chapter\\LR\\topics\\t_agencyworkingALoanRequestResponse.md",
      "headings": [
        "Working a Single Loan Request Response {#t_agencyworkingALoanRequestResponse .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/LR/topics/t_agencyworkingALoanRequestResponse.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/LR/topics/t_company_LR_FIleReq_assigningBulk.md:chunk-0",
      "title": "Bulk Assigning Loan Requests {#tBulkassigningloanreqs .task}",
      "content": "# Bulk Assigning Loan Requests \n\nThe bulk assignment feature allows you to assign several loan requests to a member of your response team with a single action.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Loan Requests** > **Bulk Assign Loan Requests**.\n\n    \n\n3.  Select a participant from the **Assignee** dropdown.\n\n4.  Select each row to highlight the Loan Requests you wish to assign to the assignee.\n\n5.  Click **Assign \\# Loan Requests**.\n\n    \n\n    **Note:** You also have the option of assigning the selected loan requests to the assignee, then remaining on the page to assign more loan requests to other assignees.\n\n    \n\n**Parent topic:**Responding to Loan Requests",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\LR\\topics\\t_company_LR_FIleReq_assigningBulk.md",
      "relative_path": "maps\\SES\\chapter\\LR\\topics\\t_company_LR_FIleReq_assigningBulk.md",
      "headings": [
        "Bulk Assigning Loan Requests {#tBulkassigningloanreqs .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/LR/topics/t_company_LR_FIleReq_assigningBulk.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/LR/topics/t_company_LR_FileReqSharedExternal_NotifyAgency-1.md:chunk-0",
      "title": "Notify Agency of Loan Requests Shared Externally {#tMarkingloanreqcompleteexternally .task}",
      "content": "# Notify Agency of Loan Requests Shared Externally \n\nIf you have provided responses to loan requests outside of the system externally \\(e.g., through email or a file sharing link provided by the agency\\), you can mark notify the agency of loan requests as completed shared externally in bulk.\n\n**Note:** Any participant on the supervisory activity can notify the agency of loan requests shared externally.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Loan Requests** > **…** > **Notify Agency of Loan Requests Shared Externally**.\n\n    \n\n3.  Multi-select the loan requests that you have responded to outside the system.\n\n4.  Select the method by which the loan requests were sent outside the system.\n\n5.  Add any **Commentary** that you want the agency to view, including a link to an external file sharing site if one was used.\n\n    \n\n6.  Click **Notify Agency**.\n\nThe status changes to “Sent to Agency” on the Loan Details page. In the Responses section of the Loan Details for a loan response, there is also an indicator that the response was shared externally.\n\nIf multiple file sharing links are used throughout the loan request review process, they are captured on the summary page.\n\nAny comments entered are captured in the details of the loan request and the loan request dashboard,\n\n**Parent topic:**Responding to Loan Requests",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\LR\\topics\\t_company_LR_FileReqSharedExternal_NotifyAgency-1.md",
      "relative_path": "maps\\SES\\chapter\\LR\\topics\\t_company_LR_FileReqSharedExternal_NotifyAgency-1.md",
      "headings": [
        "Notify Agency of Loan Requests Shared Externally {#tMarkingloanreqcompleteexternally .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/LR/topics/t_company_LR_FileReqSharedExternal_NotifyAgency-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/LR/topics/t_company_LR_FileReqSharedExternal_NotifyAgency.md:chunk-0",
      "title": "Notify Agency of Loan Requests Shared Externally {#tMarkingloanreqcompleteexternally .task}",
      "content": "# Notify Agency of Loan Requests Shared Externally \n\nIf you have provided responses to loan requests outside of the system externally \\(e.g., through email or a file sharing link provided by the agency\\), you can mark notify the agency of loan requests as completed shared externally in bulk.\n\n**Note:** Any participant on the supervisory activity can notify the agency of loan requests shared externally.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Loan Requests** > **…** > **Notify Agency of Loan Requests Shared Externally**.\n\n    \n\n3.  Multi-select the loan requests that you have responded to outside the system.\n\n4.  Select the method by which the loan requests were sent outside the system.\n\n5.  Add any **Commentary** that you want the agency to view, including a link to an external file sharing site if one was used.\n\n    \n\n6.  Click **Notify Agency**.\n\nThe status changes to “Sent to Agency” on the Loan Details page. In the Responses section of the Loan Details for a loan response, there is also an indicator that the response was shared externally.\n\nIf multiple file sharing links are used throughout the loan request review process, they are captured on the summary page.\n\nAny comments entered are captured in the details of the loan request and the loan request dashboard,",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\LR\\topics\\t_company_LR_FileReqSharedExternal_NotifyAgency.md",
      "relative_path": "maps\\SES\\chapter\\LR\\topics\\t_company_LR_FileReqSharedExternal_NotifyAgency.md",
      "headings": [
        "Notify Agency of Loan Requests Shared Externally {#tMarkingloanreqcompleteexternally .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/LR/topics/t_company_LR_FileReqSharedExternal_NotifyAgency.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/LR/topics/t_company_LR_FileReq_ResponseAdding.md:chunk-0",
      "title": "Adding Loan Request Responses {#tAddingloanreqresponses .task}",
      "content": "# Adding Loan Request Responses \n\nHow to add a response to an individual loan request.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Loan Requests** > **Add Loan Request Responses**.\n\n    \n\n3.  Select the desired loan request.\n\n4.  Click **Add Response**.\n\n    \n\n5.  Complete the form.\n\n    **Note:** You can assign the loan request to another participant here.\n\n6.  Upload any necessary documents.\n\n    **Note:** See Uploading Documents for details on uploading documents.\n\n7.  Select **Save and Send Later**.\n\n8.  Click **Save and Send Later**.\n\n    \n\n    The status changes to “Ready to Send” on the Add Loan Request Responses grid.\n\n    \n\n9.  Repeat for loan requests you are responding to and click **I’m Done For Now**.\n\n    \n\n10. Proceed to Sending LR Responses to the Agency in Bulk when ready.\n\n**Parent topic:**Responding to Loan Requests",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\LR\\topics\\t_company_LR_FileReq_ResponseAdding.md",
      "relative_path": "maps\\SES\\chapter\\LR\\topics\\t_company_LR_FileReq_ResponseAdding.md",
      "headings": [
        "Adding Loan Request Responses {#tAddingloanreqresponses .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/LR/topics/t_company_LR_FileReq_ResponseAdding.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/LR/topics/t_company_LR_FileReq_SendingBulk-1.md:chunk-0",
      "title": "Sending LR Responses to the Agency in Bulk {#t_company_sendingLoanReqResponseBulk .task}",
      "content": "# Sending LR Responses to the Agency in Bulk \n\nRather than responding to individual Loan Requests, you can send LR responses that are in “In Review” or “Ready to Send” statuses to the agency in bulk.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Loan Requests** > **Send Responses**.\n\n    \n\n3.  Select the rows for the LRs to send to the agency and click **Send Responses**.\n\n    \n\n**Parent topic:**Responding to Loan Requests",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\LR\\topics\\t_company_LR_FileReq_SendingBulk-1.md",
      "relative_path": "maps\\SES\\chapter\\LR\\topics\\t_company_LR_FileReq_SendingBulk-1.md",
      "headings": [
        "Sending LR Responses to the Agency in Bulk {#t_company_sendingLoanReqResponseBulk .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/LR/topics/t_company_LR_FileReq_SendingBulk-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/LR/topics/t_company_LR_FileReq_SendingBulk.md:chunk-0",
      "title": "Sending LR Responses to the Agency in Bulk {#t_company_sendingLoanReqResponseBulk .task}",
      "content": "# Sending LR Responses to the Agency in Bulk \n\nRather than responding to individual Loan Requests, you can send LR responses that are in “In Review” or “Ready to Send” statuses to the agency in bulk.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Loan Requests** > **Send Responses**.\n\n    \n\n3.  Select the rows for the LRs to send to the agency and click **Send Responses**.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\LR\\topics\\t_company_LR_FileReq_SendingBulk.md",
      "relative_path": "maps\\SES\\chapter\\LR\\topics\\t_company_LR_FileReq_SendingBulk.md",
      "headings": [
        "Sending LR Responses to the Agency in Bulk {#t_company_sendingLoanReqResponseBulk .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/LR/topics/t_company_LR_FileReq_SendingBulk.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/LR/topics/t_company_LR_FileReq_exporting.md:chunk-0",
      "title": "Exporting Loan Requests {#tExportingloanreqs .task}",
      "content": "# Exporting Loan Requests \n\nYou can export a list of loan requests at any time for a supervisory activity that you are a company lead for.\n\nAll active company participants on a supervisory activity can export a list of loan requests.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Loan Requests**.\n\n    \n\n3.  Click the **Loan Details** quick filter.\n\n    \n\n4.  Scroll down and click **Export to Excel**.\n\n    \n\nThe exported data is emailed to you as an attachment.\n\nThe Excel document has three sheets \\(tabs\\):\n\n-   Loan Requests: An export of loan request details including comments pertaining to each individual loan request.\n-   Loan Requests Overall Comments: The general agency comments added when the loan requests were initially added to the supervisory activity and sent to the company.\n-   Loan Request Responses: An export of loan request responses that includes both company responses and agency responses if the LR was sent back to the company.\n\n**Parent topic:**Responding to Loan Requests",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\LR\\topics\\t_company_LR_FileReq_exporting.md",
      "relative_path": "maps\\SES\\chapter\\LR\\topics\\t_company_LR_FileReq_exporting.md",
      "headings": [
        "Exporting Loan Requests {#tExportingloanreqs .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/LR/topics/t_company_LR_FileReq_exporting.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/LR/topics/t_company_LR_responseSearch.md:chunk-0",
      "title": "Searching Company Loan Request Responses {#xd_b40566802dfa2d04--188d3b05-18aa3b201e3--7ffd .task}",
      "content": "# Searching Company Loan Request Responses \n\nAfter your company has sent loan request \\(LR\\) responses to the agency, you can search through the responses by borrower name, property state, response text, and file name.\n\nThe Loan Request Response Search tab is displayed on the Loan Requests tab for a supervisory activity after a company has sent LR responses to an agency. You can only view the Loan Request Response Search tab for Supervisory Activities that are assigned to you.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Loan Requests**.\n\n    \n\n3.  Click **Loan Request Response Search**.\n\n    **Note:** If the Loan Request Response Search tab is not visible, then either there are no LRs that have been responded to or you are not assigned to the supervisory activity.\n\n4.  Search or filter your LR responses using the following options:\n\n    -   **Loan Request ID**: Search for the loan request ID number.\n    -   **Borrower First/Last Name**: Search the text of borrower names to find associated responses.\n    -   **Response**: Search the text of LRs sent to an agency.\n    -   **Loan Number**: Search for the loan request number.\n    -   **Property State**: Filter the LR responses according to the state in which the property for the loan is located.\n    -   **File Name**: Search for LR responses with file attachments matching the specified name.\n    -   **Account Number**: Search for the account number.\n    -   **Has Attachments**: Filter LR responses according to whether they have documents attached.\n    -   **Show Agency Responses**: Show or hide agency responses to a company's LR responses. This is helpful for finding LR responses that may require additional information.\n5.  You can scroll to the bottom of the list and click **Export to Excel**.\n\n    \n\n    The filtered Loan Request Response search list is emailed to you in an attached Excel spreadsheet.\n\n**Parent topic:**Responding to Loan Requests",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\LR\\topics\\t_company_LR_responseSearch.md",
      "relative_path": "maps\\SES\\chapter\\LR\\topics\\t_company_LR_responseSearch.md",
      "headings": [
        "Searching Company Loan Request Responses {#xd_b40566802dfa2d04--188d3b05-18aa3b201e3--7ffd .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/LR/topics/t_company_LR_responseSearch.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/MRA/topics/c_agency_ManagingMRA.md:chunk-0",
      "title": "Managing Matters Requiring Attention {#c_agency_ManagingMRA .concept}",
      "content": "# Managing Matters Requiring Attention \n\nA matter requiring attention \\(MRA\\) might be added to an SA to ensure that a particular issue is being followed and addressed.\n\nFor example, if an agency wants to ensure that a finding is resolved, that finding might be added as an MRA. An MRA allows the back and forth communication with the company to track a particular issue.\n\nUse of the MRA feature is optional but recommended as it promotes transparency and clarity to both the regulator\\(s\\) and company on an SA.\n\n**Note:** The MRA tab becomes available once an SA is moved to In-Flight.\n\n-   **Adding Matters Requiring Attention**  \nHow to add a Matter Requiring Attention \\(MRA\\) to a Supervisory Activity.\n-   **Sending MRAs to the Company**  \nHow to send MRAs to the company via the report of examination.\n-   **Sending MRAs to the Company after the Report is Sent**  \nMRAs are first sent to the company via the report of examination. This describes how to send MRAs to the company after the report is sent to the company.\n-   **Sending Reminders for MRAs**  \nYou can send a reminder to the company for any MRAs that have not been responded to.\n-   **Reviewing an MRA**  \nIf you have been assigned an MRA to review, you can edit or append information to the MRA before it is sent to the company.\n-   **Sending Back an MRA to the Company**  \nIn the case of an insufficient MRA response, you can return the response. After the company submits a response, the company can request you to send the MRA back.\n-   **Closing an MRA**  \nYou should cancel an MRA if it is no longer applicable. However, if the company replies to an MRA outside of the system, you should close the MRA and upload the email response.\n-   **Classifying MRAs to an Agency in a Multi-State Exam**  \nWhen conducting Multi-state Examinations the Examiner in Chargefor the Lead Agency can determine whether all company responses to Matters Requiring Attention will be sent to the lead agency or to a specific agency participating i",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\MRA\\topics\\c_agency_ManagingMRA.md",
      "relative_path": "maps\\SES\\chapter\\MRA\\topics\\c_agency_ManagingMRA.md",
      "headings": [
        "Managing Matters Requiring Attention {#c_agency_ManagingMRA .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/MRA/topics/c_agency_ManagingMRA.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/MRA/topics/c_agency_ManagingMRA.md:chunk-1",
      "title": "Managing Matters Requiring Attention {#c_agency_ManagingMRA .concept}",
      "content": "xaminations the Examiner in Chargefor the Lead Agency can determine whether all company responses to Matters Requiring Attention will be sent to the lead agency or to a specific agency participating in the examination.\n-   **Managing Associated Findings for an MRA**  \nHow to associate exam findings with a specific matter requiring attenion \\(MRA\\)\n\n**Parent topic:**Matters Requiring Attention",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\MRA\\topics\\c_agency_ManagingMRA.md",
      "relative_path": "maps\\SES\\chapter\\MRA\\topics\\c_agency_ManagingMRA.md",
      "headings": [
        "Managing Matters Requiring Attention {#c_agency_ManagingMRA .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/MRA/topics/c_agency_ManagingMRA.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/MRA/topics/c_agency_chapStart_MRA.md:chunk-0",
      "title": "Matters Requiring Attention {#c_agency_chapStart_MRA .concept}",
      "content": "# Matters Requiring Attention \n\nMatters Requiring Attention are optional tools to enable communications between agency and company regarding the resolution of findings from the exam.\n\nUse of the MRA feature is optional but recommended as it promotes transparency and clarity to both the regulator\\(s\\) and company on an SA.\n\n**Note:** The MRA tab becomes available once an SA is moved to In-Flight.\n\n-   **Managing Matters Requiring Attention**  \nA matter requiring attention \\(MRA\\) might be added to an SA to ensure that a particular issue is being followed and addressed.\n-   **Responding to an MRA Due Date Extension Request**  \nCompanies can request an extension for the due dates of matters requiring attention \\(MRAs\\). You can choose to accept or reject their requested due date.\n\n**Parent topic:**Conducting a Supervisory Activity\n\n**Previous topic:**Sending Back the Report Package to the Company\n\n**Next topic:**Managing Matters Requiring Attention",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\MRA\\topics\\c_agency_chapStart_MRA.md",
      "relative_path": "maps\\SES\\chapter\\MRA\\topics\\c_agency_chapStart_MRA.md",
      "headings": [
        "Matters Requiring Attention {#c_agency_chapStart_MRA .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/MRA/topics/c_agency_chapStart_MRA.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/MRA/topics/c_company_MRA.md:chunk-0",
      "title": "Matters Requiring Attention {#c_company_MRA .concept}",
      "content": "# Matters Requiring Attention \n\nMatters Requiring Attention are areas of concern which the examining or investigating agency expects to be addressed at the close of the Supervisory Activity. This section describes how to repsond to MRAs and, if you require more time, to request an extension of the due date.\n\n-   **Responding to Matters Requiring Attention**  \nAfter an agency sends you Matters Requiring Attention for a supervisory activity \\(SA\\), you can review the MRAs and send a response.\n-   **Requesting an MRA Due Date Extension**  \nYou can request an extension for the due dates of your company’s Matters Requiring Attention. This sends a notification to the agency to review the request.\n\n**Parent topic:**SES Examinations and Investigations Resources for Companies",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\MRA\\topics\\c_company_MRA.md",
      "relative_path": "maps\\SES\\chapter\\MRA\\topics\\c_company_MRA.md",
      "headings": [
        "Matters Requiring Attention {#c_company_MRA .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/MRA/topics/c_company_MRA.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/MRA/topics/t_agency_MRA_DateExtensionResp.md:chunk-0",
      "title": "Responding to an MRA Due Date Extension Request {#t_agency_MRA_DateExtensionResp .task}",
      "content": "# Responding to an MRA Due Date Extension Request \n\nCompanies can request an extension for the due dates of matters requiring attention \\(MRAs\\). You can choose to accept or reject their requested due date.\n\nCompanies can request an MRA due date extension even after you have closed and locked the supervisory activity. You also have the option of entering a new due date for the MRA.\n\n**Note:** A staff user from the lead agency, the EIC, or the creator of the MRA can respond to MRA due date extension requests. If the creator of the MRA is removed from the SA, they can no longer respond to an MRA due date extension request.\n\n**Note:** You receive a notification from SES when a company requests a due date extension for an MRA.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **MRA**.\n\n    \n\n3.  Click the **View Details** icon.\n\n    \n\n4.  Click **Review MRA Extension Request**.\n\n    \n\n5.  Select the desired review decision:\n\n    -   **Accept**\n    -   **Reject**\n    -   Enter a new due date\n6.  Click **Accept** or **Reject Extension Request**.\n\nThe MRA due date is updated according to your response. The response information is captured in the Extension Requests section. A notification is sent to the company lead.\n\n**Parent topic:**Matters Requiring Attention",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\MRA\\topics\\t_agency_MRA_DateExtensionResp.md",
      "relative_path": "maps\\SES\\chapter\\MRA\\topics\\t_agency_MRA_DateExtensionResp.md",
      "headings": [
        "Responding to an MRA Due Date Extension Request {#t_agency_MRA_DateExtensionResp .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/MRA/topics/t_agency_MRA_DateExtensionResp.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/MRA/topics/t_agency_MRA_adding-1.md:chunk-0",
      "title": "Adding Matters Requiring Attention {#t_agency_MRA_adding .task}",
      "content": "# Adding Matters Requiring Attention \n\nHow to add a Matter Requiring Attention \\(MRA\\) to a Supervisory Activity.\n\nUse of the MRA feature is optional but recommended as it promotes transparency and clarity to both the regulator\\(s\\) and company on an SA.\n\n**Note:** The MRA tab becomes available once an SA is moved to In-Flight.\n\nPlease note the following restrictions with regard to file uploads in SES. It is recommended to use a ZIP folder or File Sharing Links when uploading large files or more than 25 files at a time.\n\n-   **File formats supported**: SES will accept all file formats, but the following commonly supported file types are recommended: PDF, Word®, Excel®, CSV, ZIP\n-   **Max file size**: 1 GB\n-   **For files larger than 1 GB[^1]:**\n    -   Use ZIP compression to reduce file to less than 1 GB[^1]\n    -   Split the file into multiple smaller files\n    -   Use File Sharing Links.\n-   **Max no. characters per file name:** 200\n-   **Max no. files per upload**: 25, for uploads larger than 25 total files:\n    1.  Upload first 25.\n    2.  Select the **Save Draft** option in Available Next Actions then click the **Save Draft** button.\n\n        **Note:** You may need to refresh the screen to see that the files have uploaded to the system.\n\n    3.  Return to the response screen to upload the next 25 files and repeat.\n-   **Total no. files**: unlimited\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **MRA**.\n\n    \n\n3.  Click **Add MRA**.\n\n    \n\n4.  Add the necessary information to the MRA.\n\n    1.  Enter **MRA Details**.\n\n    2.  Enter **Due Date Details**.\n\n    3.  Enter any pertinent **Internal Agency Comments**.\n\n    4.  **Upload** any associated documents.\n\n5.  Select the appropriate **Next Action**.\n\n    \n\n    **Note:** The **Assign Package Assembler** button appears when the report is uploaded and marked complete.\n\n    1.  To save the MRA in progress, select **Save In Progress MRA** then click **Save MRA**.\n\n        \n\n    2.  To complete the MRA ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\MRA\\topics\\t_agency_MRA_adding-1.md",
      "relative_path": "maps\\SES\\chapter\\MRA\\topics\\t_agency_MRA_adding-1.md",
      "headings": [
        "Adding Matters Requiring Attention {#t_agency_MRA_adding .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/MRA/topics/t_agency_MRA_adding-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/MRA/topics/t_agency_MRA_adding-1.md:chunk-1",
      "title": "Adding Matters Requiring Attention {#t_agency_MRA_adding .task}",
      "content": "* button appears when the report is uploaded and marked complete.\n\n    1.  To save the MRA in progress, select **Save In Progress MRA** then click **Save MRA**.\n\n        \n\n    2.  To complete the MRA without a review, select **Complete MRA without Review** then click **Complete MRA**.\n\n        \n\n    3.  To send the MRA for review, select **Send for Review**,**Assign Reviewer**, then click **Send for Review**.\n\n        \n\n        **Note:** Only those participants with the reviewer role appear in the **Assign Reviewer** list.\n\n**Parent topic:**Managing Matters Requiring Attention\n\n[^1]: For documents uploaded to the Interactions tab, the maximum file size is 25 MB.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\MRA\\topics\\t_agency_MRA_adding-1.md",
      "relative_path": "maps\\SES\\chapter\\MRA\\topics\\t_agency_MRA_adding-1.md",
      "headings": [
        "Adding Matters Requiring Attention {#t_agency_MRA_adding .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/MRA/topics/t_agency_MRA_adding-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/MRA/topics/t_agency_MRA_adding.md:chunk-0",
      "title": "Adding Matters Requiring Attention {#t_agency_MRA_adding .task}",
      "content": "# Adding Matters Requiring Attention \n\nHow to add a Matter Requiring Attention \\(MRA\\) to a Supervisory Activity.\n\nUse of the MRA feature is optional but recommended as it promotes transparency and clarity to both the regulator\\(s\\) and company on an SA.\n\n**Note:** The MRA tab becomes available once an SA is moved to In-Flight.\n\nPlease note the following restrictions with regard to file uploads in SES. It is recommended to use a ZIP folder or File Sharing Links when uploading large files or more than 25 files at a time.\n\n-   **File formats supported**: SES will accept all file formats, but the following commonly supported file types are recommended: PDF, Word®, Excel®, CSV, ZIP\n-   **Max file size**: 1 GB\n-   **For files larger than 1 GB[^1]:**\n    -   Use ZIP compression to reduce file to less than 1 GB[^1]\n    -   Split the file into multiple smaller files\n    -   Use File Sharing Links.\n-   **Max no. characters per file name:** 200\n-   **Max no. files per upload**: 25, for uploads larger than 25 total files:\n    1.  Upload first 25.\n    2.  Select the **Save Draft** option in Available Next Actions then click the **Save Draft** button.\n\n        **Note:** You may need to refresh the screen to see that the files have uploaded to the system.\n\n    3.  Return to the response screen to upload the next 25 files and repeat.\n-   **Total no. files**: unlimited\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **MRA**.\n\n    \n\n3.  Click **Add MRA**.\n\n    \n\n4.  Add the necessary information to the MRA.\n\n    1.  Enter **MRA Details**.\n\n    2.  Enter **Due Date Details**.\n\n    3.  Enter any pertinent **Internal Agency Comments**.\n\n    4.  **Upload** any associated documents.\n\n5.  Select the appropriate **Next Action**.\n\n    \n\n    **Note:** The **Assign Package Assembler** button appears when the report is uploaded and marked complete.\n\n    1.  To save the MRA in progress, select **Save In Progress MRA** then click **Save MRA**.\n\n        \n\n    2.  To complete the MRA ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\MRA\\topics\\t_agency_MRA_adding.md",
      "relative_path": "maps\\SES\\chapter\\MRA\\topics\\t_agency_MRA_adding.md",
      "headings": [
        "Adding Matters Requiring Attention {#t_agency_MRA_adding .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/MRA/topics/t_agency_MRA_adding.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/MRA/topics/t_agency_MRA_adding.md:chunk-1",
      "title": "Adding Matters Requiring Attention {#t_agency_MRA_adding .task}",
      "content": "* button appears when the report is uploaded and marked complete.\n\n    1.  To save the MRA in progress, select **Save In Progress MRA** then click **Save MRA**.\n\n        \n\n    2.  To complete the MRA without a review, select **Complete MRA without Review** then click **Complete MRA**.\n\n        \n\n    3.  To send the MRA for review, select **Send for Review**,**Assign Reviewer**, then click **Send for Review**.\n\n        \n\n        **Note:** Only those participants with the reviewer role appear in the **Assign Reviewer** list.\n\n[^1]: For documents uploaded to the Interactions tab, the maximum file size is 25 MB.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\MRA\\topics\\t_agency_MRA_adding.md",
      "relative_path": "maps\\SES\\chapter\\MRA\\topics\\t_agency_MRA_adding.md",
      "headings": [
        "Adding Matters Requiring Attention {#t_agency_MRA_adding .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/MRA/topics/t_agency_MRA_adding.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/MRA/topics/t_agency_MRA_assocFindings.md:chunk-0",
      "title": "Managing Associated Findings for an MRA {#t_agency_MRA_assocFindings .task}",
      "content": "# Managing Associated Findings for an MRA \n\nHow to associate exam findings with a specific matter requiring attenion \\(MRA\\)\n\n**Note:** The MRA tab becomes available once an SA is moved to In-Flight.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Add MRA** to create a new MRA.\n\n    \n\n3.  Click the **View Details** icon for an existing MRA.\n\n    \n\n4.  Click **Manage Associated Findings**.\n\n    \n\n5.  Remove existing associated findings by clicking  in the grid.\n\n6.  Associate new findings by selecting the desired rows in the grid.\n\n7.  Click **Confirm Associations**.\n\n    \n\n**Parent topic:**Managing Matters Requiring Attention",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\MRA\\topics\\t_agency_MRA_assocFindings.md",
      "relative_path": "maps\\SES\\chapter\\MRA\\topics\\t_agency_MRA_assocFindings.md",
      "headings": [
        "Managing Associated Findings for an MRA {#t_agency_MRA_assocFindings .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/MRA/topics/t_agency_MRA_assocFindings.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/MRA/topics/t_agency_MRA_classifyingmultiState.md:chunk-0",
      "title": "Classifying MRAs to an Agency in a Multi-State Exam {#t_agency_MRA_classifyingmultiState .task}",
      "content": "# Classifying MRAs to an Agency in a Multi-State Exam \n\nWhen conducting Multi-state Examinations the Examiner in Chargefor the Lead Agency can determine whether all company responses to Matters Requiring Attention will be sent to the lead agency or to a specific agency participating in the examination.\n\n**Note:** The MRA tab becomes available once an SA is moved to In-Flight.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Add MRA** to create a new MRA.\n\n    \n\n3.  Click the **View Details** icon for an existing MRA.\n\n    \n\n4.  Select the desired level of MRA classification.\n\n    **Note:** Selecting **All Agencies** causes responses to the MRA to be sent to the EIC and staff user participants from the lead agency. Selecting **Agency Specific** allows you to select the agencies to shich the MRA is classified. Company responses to the MRA are sent to the EIC and all of the SA participants from the agencies that you select.\n\n**Parent topic:**Managing Matters Requiring Attention",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\MRA\\topics\\t_agency_MRA_classifyingmultiState.md",
      "relative_path": "maps\\SES\\chapter\\MRA\\topics\\t_agency_MRA_classifyingmultiState.md",
      "headings": [
        "Classifying MRAs to an Agency in a Multi-State Exam {#t_agency_MRA_classifyingmultiState .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/MRA/topics/t_agency_MRA_classifyingmultiState.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/MRA/topics/t_agency_MRA_closing.md:chunk-0",
      "title": "Closing an MRA {#t_agency_MRA_closing .task}",
      "content": "# Closing an MRA \n\nYou should cancel an MRA if it is no longer applicable. However, if the company replies to an MRA outside of the system, you should close the MRA and upload the email response.\n\n**Note:** The MRA tab becomes available once an SA is moved to In-Flight.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **MRA**.\n\n    \n\n3.  Click the **View Details** icon.\n\n    **Note:** You can search the grid by MRA ID. You can also filter the grid by AFR and follow links to Associated Findings.\n\n    \n\n4.  Click **Close MRA**.\n\n    \n\n5.  Update the **Internal Agency Comments** as necessary and **Upload** any associated documents.\n\n6.  Click **Close MRA**.\n\n    \n\n**Parent topic:**Managing Matters Requiring Attention",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\MRA\\topics\\t_agency_MRA_closing.md",
      "relative_path": "maps\\SES\\chapter\\MRA\\topics\\t_agency_MRA_closing.md",
      "headings": [
        "Closing an MRA {#t_agency_MRA_closing .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/MRA/topics/t_agency_MRA_closing.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/MRA/topics/t_agency_MRA_reviewing.md:chunk-0",
      "title": "Reviewing an MRA {#t_agency_MRA_reviewing .task}",
      "content": "# Reviewing an MRA \n\nIf you have been assigned an MRA to review, you can edit or append information to the MRA before it is sent to the company.\n\n**Note:** The MRA tab becomes available once an SA is moved to In-Flight.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **MRA**.\n\n    \n\n3.  Click the **View Details** icon.\n\n    **Note:** You can search the grid by MRA ID. You can also filter the grid by AFR and follow links to Associated Findings.\n\n    \n\n4.  Click **Review MRA**.\n\n    \n\n5.  Update the MRA:\n\n    1.  Edit the **MRA Details**.\n\n    2.  Update the **Due Date Details**.\n\n    3.  Edit or append the **Internal Agency Comments** as necessary.\n\n    4.  **Upload** any associated documents.\n\n6.  Select the **Approve MRA** option.\n\n7.  Click **Approve MRA**.\n\n    \n\n**Note:** Even after a supervisory activity is closed and locked, the company can continue to respond to MRAs that have been sent to them.\n\n**Parent topic:**Managing Matters Requiring Attention",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\MRA\\topics\\t_agency_MRA_reviewing.md",
      "relative_path": "maps\\SES\\chapter\\MRA\\topics\\t_agency_MRA_reviewing.md",
      "headings": [
        "Reviewing an MRA {#t_agency_MRA_reviewing .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/MRA/topics/t_agency_MRA_reviewing.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/MRA/topics/t_agency_MRA_sendingBack.md:chunk-0",
      "title": "Sending Back an MRA to the Company {#xd_19818fa6c2797726-ec28950-18f49239a68--7ff9 .task}",
      "content": "# Sending Back an MRA to the Company \n\nIn the case of an insufficient MRA response, you can return the response. After the company submits a response, the company can request you to send the MRA back.\n\n**Note:** You can send back an MRA even after an SA is closed and locked.\n\nIf the company lead requests the MRA to be sent back for update, you will receive a notification email stating the reason for the request.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **MRA**.\n\n    \n\n3.  You can filter the list to show only those items with send back requested.\n\n    1.  Click **Show Filters**.\n\n        \n\n    2.  Under **Has Send Back Requests?** select **Yes**.\n\n        \n\n4.  Click the **View Details** icon.\n\n    **Note:** You can search the grid by MRA ID. You can also filter the grid by AFR and follow links to Associated Findings.\n\n    \n\n5.  Click **Send Back to Company**.\n\n    \n\n6.  Provide a Response explaining why the MRA is being sent back.\n\n7.  Upload any necessary documents.\n\n    **Note:** See Uploading Documents for details on uploading documents.\n\n8.  Click **Send Back to Company**.\n\n    \n\n**Parent topic:**Managing Matters Requiring Attention",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\MRA\\topics\\t_agency_MRA_sendingBack.md",
      "relative_path": "maps\\SES\\chapter\\MRA\\topics\\t_agency_MRA_sendingBack.md",
      "headings": [
        "Sending Back an MRA to the Company {#xd_19818fa6c2797726-ec28950-18f49239a68--7ff9 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/MRA/topics/t_agency_MRA_sendingBack.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/MRA/topics/t_agency_MRA_sendingReminders.md:chunk-0",
      "title": "Sending Reminders for MRAs {#xd_19818fa6c2797726-ec28950-18f49239a68--7ff8 .task}",
      "content": "# Sending Reminders for MRAs \n\nYou can send a reminder to the company for any MRAs that have not been responded to.\n\nThe reminder sends a notification to the company.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **MRA**.\n\n    \n\n3.  Click the **Send Reminder** icon for any item in the \"Sent to Company\" status.\n\n    \n\n4.  Click **Send Reminder** on the confirmation screen.\n\n    The system records the date and time the reminder was sent. Click **+Show Reminder History** to see it.\n\n    \n\n**Parent topic:**Managing Matters Requiring Attention",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\MRA\\topics\\t_agency_MRA_sendingReminders.md",
      "relative_path": "maps\\SES\\chapter\\MRA\\topics\\t_agency_MRA_sendingReminders.md",
      "headings": [
        "Sending Reminders for MRAs {#xd_19818fa6c2797726-ec28950-18f49239a68--7ff8 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/MRA/topics/t_agency_MRA_sendingReminders.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/MRA/topics/t_agency_sendMRA2Comp_afterROE.md:chunk-0",
      "title": "Sending MRAs to the Company after the Report is Sent {#xd_c520caad31a51e66-6b082bb3-18157be273e--7ffc .task}",
      "content": "# Sending MRAs to the Company after the Report is Sent \n\nMRAs are first sent to the company via the report of examination. This describes how to send MRAs to the company after the report is sent to the company.\n\nAny additional MRAs added that need to be sent to the company after the report has been sent can be sent from the MRA page.\n\n**Note:** The MRA tab becomes available once an SA is moved to In-Flight.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **MRA**.\n\n    \n\n3.  Click **Send MRAs**.\n\n    \n\n4.  Select the desired MRAs to send to the company.\n\n5.  Click **Send MRAs**.\n\n    \n\n**Parent topic:**Managing Matters Requiring Attention",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\MRA\\topics\\t_agency_sendMRA2Comp_afterROE.md",
      "relative_path": "maps\\SES\\chapter\\MRA\\topics\\t_agency_sendMRA2Comp_afterROE.md",
      "headings": [
        "Sending MRAs to the Company after the Report is Sent {#xd_c520caad31a51e66-6b082bb3-18157be273e--7ffc .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/MRA/topics/t_agency_sendMRA2Comp_afterROE.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/MRA/topics/t_agency_sendMRA2Company.md:chunk-0",
      "title": "Sending MRAs to the Company {#xd_c520caad31a51e66-6b082bb3-18157be273e--7ffd .task}",
      "content": "# Sending MRAs to the Company \n\nHow to send MRAs to the company via the report of examination.\n\nThe first time an EIC wishes to send MRAs to the company, they can be sent with the report of examination, which is done by the Package Assembler. See Assigning a Package Assembler and Assembling and Sending the Report Package to the Company for more information.\n\n**Note:** The MRA tab becomes available once an SA is moved to In-Flight.\n\n**Parent topic:**Managing Matters Requiring Attention",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\MRA\\topics\\t_agency_sendMRA2Company.md",
      "relative_path": "maps\\SES\\chapter\\MRA\\topics\\t_agency_sendMRA2Company.md",
      "headings": [
        "Sending MRAs to the Company {#xd_c520caad31a51e66-6b082bb3-18157be273e--7ffd .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/MRA/topics/t_agency_sendMRA2Company.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/MRA/topics/t_company_MRA_dateExt_request-1.md:chunk-0",
      "title": "Requesting an MRA Due Date Extension {#t_company_reqMRAdateExtension .task}",
      "content": "# Requesting an MRA Due Date Extension \n\nYou can request an extension for the due dates of your company’s Matters Requiring Attention. This sends a notification to the agency to review the request.\n\nYou can request an MRA due date extension even after a supervisory activity has been closed and locked by the agency. The agency can accept or reject your requested due date. They also have the option of entering a new due date for the MRA.\n\n**Note:** You must be the Company Lead to request an MRA due date extension.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **MRA**.\n\n    \n\n3.  Click **View Details** icon for the desired MRA.\n\n    **Note:** You can search the grid by MRA ID. You can also filter the grid by AFR and Associated Findings.\n\n    \n\n4.  Click **Request Due Date Extension**.\n\n    \n\n5.  Enter requested due date.\n\n6.  Enter the reason for extension.\n\n7.  Click **Request Extension**.\n\nThe agency is notified and reviews your due date extension request.\n\n**Note:** The current due date for the MRA remains in effect until the agency reviews and responds to your due date extension request. The Company Lead receives a notification with the agency’s due date extension decision.\n\n**Parent topic:**Matters Requiring Attention",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\MRA\\topics\\t_company_MRA_dateExt_request-1.md",
      "relative_path": "maps\\SES\\chapter\\MRA\\topics\\t_company_MRA_dateExt_request-1.md",
      "headings": [
        "Requesting an MRA Due Date Extension {#t_company_reqMRAdateExtension .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/MRA/topics/t_company_MRA_dateExt_request-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/MRA/topics/t_company_MRA_dateExt_request.md:chunk-0",
      "title": "Requesting an MRA Due Date Extension {#t_company_reqMRAdateExtension .task}",
      "content": "# Requesting an MRA Due Date Extension \n\nYou can request an extension for the due dates of your company’s Matters Requiring Attention. This sends a notification to the agency to review the request.\n\nYou can request an MRA due date extension even after a supervisory activity has been closed and locked by the agency. The agency can accept or reject your requested due date. They also have the option of entering a new due date for the MRA.\n\n**Note:** You must be the Company Lead to request an MRA due date extension.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **MRA**.\n\n    \n\n3.  Click **View Details** icon for the desired MRA.\n\n    **Note:** You can search the grid by MRA ID. You can also filter the grid by AFR and Associated Findings.\n\n    \n\n4.  Click **Request Due Date Extension**.\n\n    \n\n5.  Enter requested due date.\n\n6.  Enter the reason for extension.\n\n7.  Click **Request Extension**.\n\nThe agency is notified and reviews your due date extension request.\n\n**Note:** The current due date for the MRA remains in effect until the agency reviews and responds to your due date extension request. The Company Lead receives a notification with the agency’s due date extension decision.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\MRA\\topics\\t_company_MRA_dateExt_request.md",
      "relative_path": "maps\\SES\\chapter\\MRA\\topics\\t_company_MRA_dateExt_request.md",
      "headings": [
        "Requesting an MRA Due Date Extension {#t_company_reqMRAdateExtension .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/MRA/topics/t_company_MRA_dateExt_request.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/MRA/topics/t_company_MRA_reqSendBack.md:chunk-0",
      "title": "Requesting the Agency to Send Back an MRA Response {#xd_2b3305af4d4567d9-5d5818f3-19286bc1ee2--7ff9 .task}",
      "content": "# Requesting the Agency to Send Back an MRA Response \n\nThe company lead can request the agency to send back an MRA response for updates, after it has been sent to the agency.\n\nWhen you request an MRA response to be sent back, the agency is notified by email of the request, and can choose whether or not to return the MRA.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **MRA**.\n\n    \n\n3.  Click **View Details** icon for the desired MRA.\n\n    **Note:** You can search the grid by MRA ID. You can also filter the grid by AFR and Associated Findings.\n\n    \n\n4.  Click **Request MRA To Be Sent Back**.\n\n    \n\n5.  Type a **Reason for Request**.\n\n6.  Click **Submit Request**.\n\nThe MRA **Status** displays a clock icon, indicating it is in progress. The agency receives a notification email containing the reason for your request to send back the MRA.\n\n**Parent topic:**Responding to Matters Requiring Attention",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\MRA\\topics\\t_company_MRA_reqSendBack.md",
      "relative_path": "maps\\SES\\chapter\\MRA\\topics\\t_company_MRA_reqSendBack.md",
      "headings": [
        "Requesting the Agency to Send Back an MRA Response {#xd_2b3305af4d4567d9-5d5818f3-19286bc1ee2--7ff9 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/MRA/topics/t_company_MRA_reqSendBack.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/MRA/topics/t_company_MRA_respond-1.md:chunk-0",
      "title": "Responding to Matters Requiring Attention {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7fee .task}",
      "content": "# Responding to Matters Requiring Attention \n\nAfter an agency sends you Matters Requiring Attention for a supervisory activity \\(SA\\), you can review the MRAs and send a response.\n\nThe MRA functionality refers to the section of SES that state regulators can use to track issues and concerns that the agency expects a company to address at the conclusion of an Examination or Investigation. Regulators may also use this tool to communicate with the company.\n\n**Note:** You can request a due date extension for an MRA. See Requesting an MRA Due Date Extension for more information.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **MRA**.\n\n    \n\n3.  Click **View Details** icon for the desired MRA.\n\n    **Note:** You can search the grid by MRA ID. You can also filter the grid by AFR and Associated Findings.\n\n    \n\n4.  Click **Respond to MRA**.\n\n    \n\n5.  Enter your response.\n\n6.  Upload any necessary documents.\n\n    **Note:** See Uploading Documents for details on uploading documents.\n\n7.  Select whether to **Restrict View**.\n\n    **Note:** By selecting **Restrict View**, only the company lead and the participant that drafted the response to the MRA can see the response and supporting documentation. Other company participants in the SA will be prevented from viewing the response. All participating regulators on the SA can see the response once it is sent to the agency.\n\n8.  Select the desired **Next Action**:\n\n    -   **Save the response**\n    -   **Mark the response as complete**\n    -   **Send the response to the agency**\n\n-   **Assign MRAs to Participants**  \nThe company lead can assign Matters Requiring Attention to other supervisory activity participants.\n-   **Bulk Assign MRAs to Participants**  \nAfter an agency sends you Matters Requiring Attention for a supervisory activity \\(SA\\), you can review the MRAs and send a response.\n-   **Requesting the Agency to Send Back an MRA Response**  \nThe company lead can request the agency to send back an MRA response fo",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\MRA\\topics\\t_company_MRA_respond-1.md",
      "relative_path": "maps\\SES\\chapter\\MRA\\topics\\t_company_MRA_respond-1.md",
      "headings": [
        "Responding to Matters Requiring Attention {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7fee .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/MRA/topics/t_company_MRA_respond-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/MRA/topics/t_company_MRA_respond-1.md:chunk-1",
      "title": "Responding to Matters Requiring Attention {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7fee .task}",
      "content": "isory activity \\(SA\\), you can review the MRAs and send a response.\n-   **Requesting the Agency to Send Back an MRA Response**  \nThe company lead can request the agency to send back an MRA response for updates, after it has been sent to the agency.\n\n**Parent topic:**Matters Requiring Attention",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\MRA\\topics\\t_company_MRA_respond-1.md",
      "relative_path": "maps\\SES\\chapter\\MRA\\topics\\t_company_MRA_respond-1.md",
      "headings": [
        "Responding to Matters Requiring Attention {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7fee .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/MRA/topics/t_company_MRA_respond-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/MRA/topics/t_company_MRA_respond.md:chunk-0",
      "title": "Responding to Matters Requiring Attention {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7fee .task}",
      "content": "# Responding to Matters Requiring Attention \n\nAfter an agency sends you Matters Requiring Attention for a supervisory activity \\(SA\\), you can review the MRAs and send a response.\n\nThe MRA functionality refers to the section of SES that state regulators can use to track issues and concerns that the agency expects a company to address at the conclusion of an Examination or Investigation. Regulators may also use this tool to communicate with the company.\n\n**Note:** You can request a due date extension for an MRA. See Requesting an MRA Due Date Extension for more information.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **MRA**.\n\n    \n\n3.  Click **View Details** icon for the desired MRA.\n\n    **Note:** You can search the grid by MRA ID. You can also filter the grid by AFR and Associated Findings.\n\n    \n\n4.  Click **Respond to MRA**.\n\n    \n\n5.  Enter your response.\n\n6.  Upload any necessary documents.\n\n    **Note:** See Uploading Documents for details on uploading documents.\n\n7.  Select whether to **Restrict View**.\n\n    **Note:** By selecting **Restrict View**, only the company lead and the participant that drafted the response to the MRA can see the response and supporting documentation. Other company participants in the SA will be prevented from viewing the response. All participating regulators on the SA can see the response once it is sent to the agency.\n\n8.  Select the desired **Next Action**:\n\n    -   **Save the response**\n    -   **Mark the response as complete**\n    -   **Send the response to the agency**",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\MRA\\topics\\t_company_MRA_respond.md",
      "relative_path": "maps\\SES\\chapter\\MRA\\topics\\t_company_MRA_respond.md",
      "headings": [
        "Responding to Matters Requiring Attention {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7fee .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/MRA/topics/t_company_MRA_respond.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/MRA/topics/t_company_MRA_respond_assign.md:chunk-0",
      "title": "Assign MRAs to Participants {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7fed .task}",
      "content": "# Assign MRAs to Participants \n\nThe company lead can assign Matters Requiring Attention to other supervisory activity participants.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **MRA**.\n\n    \n\n3.  Click **View Details** icon for the desired MRA.\n\n    **Note:** You can search the grid by MRA ID. You can also filter the grid by AFR and Associated Findings.\n\n    \n\n4.  Click **Assign MRA**.\n\n    \n\n5.  Select the desired assignee from the list.\n\n6.  Click **Assign MRA**.\n\n    \n\n**Parent topic:**Responding to Matters Requiring Attention",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\MRA\\topics\\t_company_MRA_respond_assign.md",
      "relative_path": "maps\\SES\\chapter\\MRA\\topics\\t_company_MRA_respond_assign.md",
      "headings": [
        "Assign MRAs to Participants {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7fed .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/MRA/topics/t_company_MRA_respond_assign.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/MRA/topics/t_company_MRA_respond_assignBulk.md:chunk-0",
      "title": "Bulk Assign MRAs to Participants {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7fec .task}",
      "content": "# Bulk Assign MRAs to Participants \n\nAfter an agency sends you Matters Requiring Attention for a supervisory activity \\(SA\\), you can review the MRAs and send a response.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **MRA**.\n\n    \n\n3.  Click **View Details** icon for the desired MRA.\n\n    **Note:** You can search the grid by MRA ID. You can also filter the grid by AFR and Associated Findings.\n\n    \n\n4.  Click **Bulk Assign MRAs**.\n\n    \n\n5.  Select the desired assignee from the drop-down menu.\n\n6.  Multi-select the desired MRAs.\n\n7.  Select **Assign MRA and Assign More** or **Assign MRA**.\n\n    \n\n    **Note:** Selecting **Assign More** is a quick way to assign other MRAs to other assignees.\n\n**Parent topic:**Responding to Matters Requiring Attention",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\MRA\\topics\\t_company_MRA_respond_assignBulk.md",
      "relative_path": "maps\\SES\\chapter\\MRA\\topics\\t_company_MRA_respond_assignBulk.md",
      "headings": [
        "Bulk Assign MRAs to Participants {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7fec .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/MRA/topics/t_company_MRA_respond_assignBulk.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/QuickIR/topics/c_company_QuickIR.md:chunk-0",
      "title": "QuickIR {#xd_80647b36c08634d1--224c7740-180a488b21a--7fee .concept}",
      "content": "# QuickIR \n\nQuickIR is an SES feature that allows your company to browse through the standard information requests \\(IRs\\) in the State Examination System \\(SES\\) and prepare your responses to the IRs in advance of an upcoming examination of your company in SES.\n\n## What is a Standard IR? \n\nStandard IRs are uniform across agencies and specific to industry type and business activity. Standard IRs are available in SES to facilitate the harmonization of exam activities among state agencies. The goal is to create familiarity and clarity across agencies and companies for these frequently used IRs. This in turn reduces the burden of interpreting similar IRs from various agencies and makes it easier to maintain updated responses over time. Standard IRs are identified by a permanent “Library ID” number in the system.\n\nSome IRs cannot be associated with your QuickIR response because they are state-specific \\(i.e., not a standard IR or may appear with a \"-\" in the Library ID column\\).\n\n## IR ID vs Library ID \n\nThe Library ID is what you see in QuickIR and this is the permanent ID for the IR. The IR ID is a unique identifier generated as part of the supervisory activity \\(SA\\) and is different for each exam. Both the Library ID and the IR ID can be referenced to communicate with an agency about a specific IR.\n\n-   **Finding the Library ID for an IR within an SA**  \nThis topic explains how to find the Library ID for Information Requests within a Supervisory Activity. This helps you to determine which IRs are standard IRs for which you can enter a QuickIR response.\n-   **Viewing QuickIR Responses**  \nInformation about how you can see QuickIR responses to information requests that are associated to an SES Work Program or those that have been retired from the system.\n-   **Adding a QuickIR Response**  \nThis topic explains how to add a QuickIR response to a standard information request \\(IR\\).\n-   **Updating a QuickIR Response**  \nThis procedure explains how to modify your prepared",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\QuickIR\\topics\\c_company_QuickIR.md",
      "relative_path": "maps\\SES\\chapter\\QuickIR\\topics\\c_company_QuickIR.md",
      "headings": [
        "QuickIR {#xd_80647b36c08634d1--224c7740-180a488b21a--7fee .concept}",
        "What is a Standard IR? {#section_rtf_ncf_4tb .section}",
        "IR ID vs Library ID {#section_pts_pcf_4tb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/QuickIR/topics/c_company_QuickIR.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/QuickIR/topics/c_company_QuickIR.md:chunk-1",
      "title": "QuickIR {#xd_80647b36c08634d1--224c7740-180a488b21a--7fee .concept}",
      "content": "ickIR Response**  \nThis topic explains how to add a QuickIR response to a standard information request \\(IR\\).\n-   **Updating a QuickIR Response**  \nThis procedure explains how to modify your prepared response to a standard IR.\n-   **Managing Expired QuickIR Responses**  \nYou can extend the expiration for responses that have expired. Expired responses can no longer be associated to IRs as part of an examination.\n-   **Associating QuickIR Responses to an Information Request During a Supervisory Activity**  \nAll participants on a supervisory activity can associate a QuickIR response to an information request.\n-   **Saving an Information Request Response as a QuickIR Response During a Supervisory Activity**  \n Only the company lead can save an Information Requests response as a QuickIR response during a Supervisory Activity.\n\n**Parent topic:**SES Examinations and Investigations Resources for Companies",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\QuickIR\\topics\\c_company_QuickIR.md",
      "relative_path": "maps\\SES\\chapter\\QuickIR\\topics\\c_company_QuickIR.md",
      "headings": [
        "QuickIR {#xd_80647b36c08634d1--224c7740-180a488b21a--7fee .concept}",
        "What is a Standard IR? {#section_rtf_ncf_4tb .section}",
        "IR ID vs Library ID {#section_pts_pcf_4tb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/QuickIR/topics/c_company_QuickIR.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/QuickIR/topics/c_company_Viewing_QuickIR_Responses.md:chunk-0",
      "title": "Viewing QuickIR Responses {#xd_6598e38c1b0f3b54--390a811c-18de0a9e0a8--7ff2 .concept}",
      "content": "# Viewing QuickIR Responses \n\nInformation about how you can see QuickIR responses to information requests that are associated to an SES Work Program or those that have been retired from the system.\n\nThere are a few unique filters and icons within QuickIR that allow you to see QuickIR responses to information requests \\(IRs\\) that are associated to an SES Work Program or those that have been retired from the system.\n\n## Viewing IRs Associated to an SES Work Program \n\nIRs in QuickIR that are associated to an SES Work Program are signified by a green badge icon in the Library IR ID column. See SES Work Programs for more information.\n\n## Viewing Retired IRs \n\nStandard IRs available to company users in QuickIR go through a substantive review by state regulators that can result in IRs being retired from the system. Company users with at least one response associated to a standard mortgage IR will receive a single notification when the old standards are removed from the system. Any responses associated with IRs that have been retired will be marked with a red \"X\" icon in the Library IR ID column. You must select the **Show Retired?** filter to see these responses.\n\n**Parent topic:**QuickIR",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\QuickIR\\topics\\c_company_Viewing_QuickIR_Responses.md",
      "relative_path": "maps\\SES\\chapter\\QuickIR\\topics\\c_company_Viewing_QuickIR_Responses.md",
      "headings": [
        "Viewing QuickIR Responses {#xd_6598e38c1b0f3b54--390a811c-18de0a9e0a8--7ff2 .concept}",
        "Viewing IRs Associated to an SES Work Program {#section_vr3_yml_p1c .section}",
        "Viewing Retired IRs {#section_qyh_vnl_p1c .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/QuickIR/topics/c_company_Viewing_QuickIR_Responses.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/QuickIR/topics/t_company_Adding_QuickIR_Response.md:chunk-0",
      "title": "Adding a QuickIR Response {#xd_80647b36c08634d1--224c7740-180a488b21a--7fec .task}",
      "content": "# Adding a QuickIR Response \n\nThis topic explains how to add a QuickIR response to a standard information request \\(IR\\).\n\n**Note:** Only a company user with the Leader user role can view and access QuickIR. State agency users do not have access to QuickIR or your company’s prepared responses in the feature. Agencies cannot access QuickIR or the prepared responses stored in your repository.\n\n1.  >Click **QuickIR**.\n\n    \n\n2.  Select your **Business Type**.\n\n    **Note:** If you are associated to multiple companies in SES, you muse select the desired company, as well.\n\n3.  Click **Enter QuickIR**.\n\n    \n\n    **Note:** The default view in QuickIR is the Response Added section. This view displays the standard IRs for the **Business Type** selected that have responses saved by your company. Alternate views available include No Response Added, which displays IRs with no responses added by the company, and Expired Responses. As you learn when saving responses, an expiration date must be applied. The Expired Responses view allows for easy tracking of IRs requiring an update. You can update your selected **Business Type** from any view at the top of the page.\n\n    \n\n4.  Click **No Response Added**.\n\n    **Note:** This is where you can review the standard IRs in SES.\n\n5.  Click **Show Filters** to filter the IRs by the **Area for Review** or **IR Text**.\n\n    \n\n6.  Select the IRts to which you would like to add a response by clicking on the **Library ID** hyperlink.\n\n    \n\n7.  Click **Add QuickIR**.\n\n    \n\n8.  Upload your response.\n\n9.  Select a desired expiration date.\n\n    -   **6 months**\n    -   **1 year**\n    -   **2 years**\n    **Note:** SES pre-determines expiration options. You cannot set a custom expiration time for a response. Expired responses can no longer be associated to IRs as part of an examination.\n\n10. Click **ADD QUICKIR**.\n\n    \n\n    **Note:** If a standard IR to whicy you have added a QuickIR response is modified, you are sent a notification. You are als",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\QuickIR\\topics\\t_company_Adding_QuickIR_Response.md",
      "relative_path": "maps\\SES\\chapter\\QuickIR\\topics\\t_company_Adding_QuickIR_Response.md",
      "headings": [
        "Adding a QuickIR Response {#xd_80647b36c08634d1--224c7740-180a488b21a--7fec .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/QuickIR/topics/t_company_Adding_QuickIR_Response.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/QuickIR/topics/t_company_Adding_QuickIR_Response.md:chunk-1",
      "title": "Adding a QuickIR Response {#xd_80647b36c08634d1--224c7740-180a488b21a--7fec .task}",
      "content": "ted to IRs as part of an examination.\n\n10. Click **ADD QUICKIR**.\n\n    \n\n    **Note:** If a standard IR to whicy you have added a QuickIR response is modified, you are sent a notification. You are also notified if a standard IR to which you have added a QuickIR response is retired.\n\n    **Note:** You can update a QuickIR response, if needed, before sending it to the agency: see Updating a QuickIR Response.\n\n**Parent topic:**QuickIR",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\QuickIR\\topics\\t_company_Adding_QuickIR_Response.md",
      "relative_path": "maps\\SES\\chapter\\QuickIR\\topics\\t_company_Adding_QuickIR_Response.md",
      "headings": [
        "Adding a QuickIR Response {#xd_80647b36c08634d1--224c7740-180a488b21a--7fec .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/QuickIR/topics/t_company_Adding_QuickIR_Response.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/QuickIR/topics/t_company_Associating_QuickIR_to_IR.md:chunk-0",
      "title": "Associating QuickIR Responses to an Information Request During a Supervisory Activity {#xd_73a64c6f8591aea0--8f1af35-180c8bc4e24--7ffb .task}",
      "content": "# Associating QuickIR Responses to an Information Request During a Supervisory Activity \n\nAll participants on a supervisory activity can associate a QuickIR response to an information request.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Information Requests**.\n\n    \n\n3.  Click **Associate QuickIRs**.\n\n    \n\n    If there is a company response that has been associated to the specific Information Request, it is displayed.\n\n4.  Select the desired **QuickIR Responses**.\n\n    **Note:** You can update a QuickIR response, if needed, before sending it to the agency: see Updating a QuickIR Response.\n\n5.  Click **Attest**.\n\n6.  Click **Associate QuickIRs**.\n\n    \n\n**Parent topic:**QuickIR",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\QuickIR\\topics\\t_company_Associating_QuickIR_to_IR.md",
      "relative_path": "maps\\SES\\chapter\\QuickIR\\topics\\t_company_Associating_QuickIR_to_IR.md",
      "headings": [
        "Associating QuickIR Responses to an Information Request During a Supervisory Activity {#xd_73a64c6f8591aea0--8f1af35-180c8bc4e24--7ffb .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/QuickIR/topics/t_company_Associating_QuickIR_to_IR.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/QuickIR/topics/t_company_Manging_Expired_QuickIR_Responses.md:chunk-0",
      "title": "Managing Expired QuickIR Responses {#xd_73a64c6f8591aea0--8f1af35-180c8bc4e24--7ffc .task}",
      "content": "# Managing Expired QuickIR Responses \n\nYou can extend the expiration for responses that have expired. Expired responses can no longer be associated to IRs as part of an examination.\n\n1.  >Click **QuickIR**.\n\n    \n\n2.  Select your **Business Type**.\n\n    **Note:** If you are associated to multiple companies in SES, you muse select the desired company, as well.\n\n3.  Click **Enter QuickIR**.\n\n    \n\n    **Note:** The default view in QuickIR is the Response Added section. This view displays the standard IRs for the **Business Type** selected that have responses saved by your company. Alternate views available include No Response Added, which displays IRs with no responses added by the company, and Expired Responses. As you learn when saving responses, an expiration date must be applied. The Expired Responses view allows for easy tracking of IRs requiring an update. You can update your selected **Business Type** from any view at the top of the page.\n\n    \n\n4.  Click **Expired Responses** tab.\n\n5.  Click the **Library ID** hyperlink.\n\n    \n\n6.  Click **Update QuickIR**.\n\n    \n\n7.  Update the expiration date.\n\n    \n\n8.  Click **Update QuickIR**.\n\n    \n\n**Parent topic:**QuickIR",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\QuickIR\\topics\\t_company_Manging_Expired_QuickIR_Responses.md",
      "relative_path": "maps\\SES\\chapter\\QuickIR\\topics\\t_company_Manging_Expired_QuickIR_Responses.md",
      "headings": [
        "Managing Expired QuickIR Responses {#xd_73a64c6f8591aea0--8f1af35-180c8bc4e24--7ffc .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/QuickIR/topics/t_company_Manging_Expired_QuickIR_Responses.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/QuickIR/topics/t_company_QuickIR_Finding_Library_ID.md:chunk-0",
      "title": "Finding the Library ID for an IR within an SA {#xd_80647b36c08634d1--224c7740-180a488b21a--7fed .task}",
      "content": "# Finding the Library ID for an IR within an SA \n\nThis topic explains how to find the Library ID for Information Requests within a Supervisory Activity. This helps you to determine which IRs are standard IRs for which you can enter a QuickIR response.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Information Requests**.\n\n    \n\n3.  Click the IR Details tab.\n\n    \n\n4.  Click **Show Columns** at the bottom of the grid.\n\n    \n\n5.  Select **Library ID**.\n\n    \n\nThe IR Details grid now shows the Library ID.\n\n**Parent topic:**QuickIR",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\QuickIR\\topics\\t_company_QuickIR_Finding_Library_ID.md",
      "relative_path": "maps\\SES\\chapter\\QuickIR\\topics\\t_company_QuickIR_Finding_Library_ID.md",
      "headings": [
        "Finding the Library ID for an IR within an SA {#xd_80647b36c08634d1--224c7740-180a488b21a--7fed .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/QuickIR/topics/t_company_QuickIR_Finding_Library_ID.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/QuickIR/topics/t_company_Saving_IR_Response_as_QuickIR.md:chunk-0",
      "title": "Saving an Information Request Response as a QuickIR Response During a Supervisory Activity {#xd_73a64c6f8591aea0--8f1af35-180c8bc4e24--7ffa .task}",
      "content": "# Saving an Information Request Response as a QuickIR Response During a Supervisory Activity \n\nOnly the company lead can save an Information Requests response as a QuickIR response during a Supervisory Activity.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Information Requests**.\n\n    \n\n3.  Click the IR Details tab.\n\n    \n\n4.  Search through the full list of information requests and request text using the **IR Details** tab.\n\n    \n\n    **Note:** You can search for the desired information request by using keywords within the information request, response, or file name.\n\n    **Tip:** After you have sent responses to the agency, the IR Response Search tab becomes available. You can use this to search through keywords, file names, and response text, including responses saved as QuickIR responses.\n\n    \n\n5.  Click the **SA IR ID** hyperlink of the desired Information Request.\n\n    \n\n6.  Click **Respond to Information Request**.\n\n    \n\n7.  Select the **Save as QuickIR Response** option.\n\n    \n\n    **Note:** Ensure that you refer to the Library ID in your IR response so that you can use this response from QuickIR on future supervisory activities. Do not refer to the IR ID in your IR response. The IR ID changes with each supervisory activity. The Library ID is the permanent unique identifier for an information request that remains the same across all supervisory activities.\n\n8.  Provide a response, upload any associated documents, select whether to restrict view from other participants other than the Company Lead and provide any internal comments. See Uploading Documents for details on uploading documents.\n\n    \n\n    **Tip:** When providing responses to IRs via the **Upload Documents** section, it is recommended to type `Please see attached documents` in the **Response** text box.\n\n    **Note:** You can select **Not Applicable** to indicate to the agency that information request does not apply. You cannot upload documents, include a file sharing link, or r",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\QuickIR\\topics\\t_company_Saving_IR_Response_as_QuickIR.md",
      "relative_path": "maps\\SES\\chapter\\QuickIR\\topics\\t_company_Saving_IR_Response_as_QuickIR.md",
      "headings": [
        "Saving an Information Request Response as a QuickIR Response During a Supervisory Activity {#xd_73a64c6f8591aea0--8f1af35-180c8bc4e24--7ffa .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/QuickIR/topics/t_company_Saving_IR_Response_as_QuickIR.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/QuickIR/topics/t_company_Saving_IR_Response_as_QuickIR.md:chunk-1",
      "title": "Saving an Information Request Response as a QuickIR Response During a Supervisory Activity {#xd_73a64c6f8591aea0--8f1af35-180c8bc4e24--7ffa .task}",
      "content": "*Response** text box.\n\n    **Note:** You can select **Not Applicable** to indicate to the agency that information request does not apply. You cannot upload documents, include a file sharing link, or restrict view; however, you may still add a response or comments.\n\n    \n\n9.  Select a desired expiration date.\n\n    -   **6 months**\n    -   **1 year**\n    -   **2 years**\n    **Note:** SES pre-determines expiration options. You cannot set a custom expiration time for a response. Expired responses can no longer be associated to IRs as part of an examination.\n\n10. Select the appropriate **Available Next Action**.\n\n    \n\nYour response is saved in QuickIR in the Response Added section.\n\n**Parent topic:**QuickIR\n\n**Related information**  \n\nAdding Information Request Responses in Bulk",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\QuickIR\\topics\\t_company_Saving_IR_Response_as_QuickIR.md",
      "relative_path": "maps\\SES\\chapter\\QuickIR\\topics\\t_company_Saving_IR_Response_as_QuickIR.md",
      "headings": [
        "Saving an Information Request Response as a QuickIR Response During a Supervisory Activity {#xd_73a64c6f8591aea0--8f1af35-180c8bc4e24--7ffa .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/QuickIR/topics/t_company_Saving_IR_Response_as_QuickIR.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/QuickIR/topics/t_company_Updating_QuickIR_Response-1.md:chunk-0",
      "title": "Updating a QuickIR Response {#xd_73a64c6f8591aea0--8f1af35-180c8bc4e24--7ffd .task}",
      "content": "# Updating a QuickIR Response \n\nThis procedure explains how to modify your prepared response to a standard IR.\n\n**Note:** Only a company user with the Leader user role can view and access QuickIR. State agency users do not have access to QuickIR or your company’s prepared responses in the feature. Agencies cannot access QuickIR or the prepared responses stored in your repository.\n\n1.  >Click **QuickIR**.\n\n    \n\n2.  Select your **Business Type**.\n\n3.  Click **Enter QuickIR**.\n\n    \n\n    **Note:** The default view in QuickIR is the Response Added section. This view displays the standard IRs for the **Business Type** selected that have responses saved by your company. Alternate views available include No Response Added, which displays IRs with no responses added by the company, and Expired Responses. As you learn when saving responses, an expiration date must be applied. The Expired Responses view allows for easy tracking of IRs requiring an update. You can update your selected **Business Type** from any view at the top of the page.\n\n    \n\n4.  Click the **Library ID** hyperlink on the Response Added tab.\n\n    \n\n5.  Click **Update QuickIR**.\n\n    \n\n6.  Make the desired edits.\n\n7.  Click **Update QuickIR**.\n\n    \n\n**Parent topic:**QuickIR",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\QuickIR\\topics\\t_company_Updating_QuickIR_Response-1.md",
      "relative_path": "maps\\SES\\chapter\\QuickIR\\topics\\t_company_Updating_QuickIR_Response-1.md",
      "headings": [
        "Updating a QuickIR Response {#xd_73a64c6f8591aea0--8f1af35-180c8bc4e24--7ffd .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/QuickIR/topics/t_company_Updating_QuickIR_Response-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/QuickIR/topics/t_company_Updating_QuickIR_Response.md:chunk-0",
      "title": "Updating a QuickIR Response {#xd_73a64c6f8591aea0--8f1af35-180c8bc4e24--7ffd .task}",
      "content": "# Updating a QuickIR Response \n\nThis procedure explains how to modify your prepared response to a standard IR.\n\n**Note:** Only a company user with the Leader user role can view and access QuickIR. State agency users do not have access to QuickIR or your company’s prepared responses in the feature. Agencies cannot access QuickIR or the prepared responses stored in your repository.\n\n1.  >Click **QuickIR**.\n\n    \n\n2.  Select your **Business Type**.\n\n3.  Click **Enter QuickIR**.\n\n    \n\n    **Note:** The default view in QuickIR is the Response Added section. This view displays the standard IRs for the **Business Type** selected that have responses saved by your company. Alternate views available include No Response Added, which displays IRs with no responses added by the company, and Expired Responses. As you learn when saving responses, an expiration date must be applied. The Expired Responses view allows for easy tracking of IRs requiring an update. You can update your selected **Business Type** from any view at the top of the page.\n\n    \n\n4.  Click the **Library ID** hyperlink on the Response Added tab.\n\n    \n\n5.  Click **Update QuickIR**.\n\n    \n\n6.  Make the desired edits.\n\n7.  Click **Update QuickIR**.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\QuickIR\\topics\\t_company_Updating_QuickIR_Response.md",
      "relative_path": "maps\\SES\\chapter\\QuickIR\\topics\\t_company_Updating_QuickIR_Response.md",
      "headings": [
        "Updating a QuickIR Response {#xd_73a64c6f8591aea0--8f1af35-180c8bc4e24--7ffd .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/QuickIR/topics/t_company_Updating_QuickIR_Response.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/ROE/topics/c_agency_ROE.md:chunk-0",
      "title": "Report of Examination {#c_agency_ROE .concept}",
      "content": "# Report of Examination \n\nAssembling and managing report package, report commentary, and company response.\n\n**Fastpath:** View the SES Milestones Prezi for a handy job-aid.\n\n-   **Preparing and Uploading the Report of Examination**  \nThe examiner in charge \\(EIC\\) can decide what information to include in the report \\(examiner observations, findings, report commentary, etc.\\). Preparing the report takes place outside the system.\n-   **Managing Report Commentary**  \nParticipants on an exam can add Report Commentary and mark their own report commentary complete. This informs the Examiner in Charge that the commentaries are ready to be exported and included in the report \\(if applicable\\).\n-   **Managing Reviews of the Report of Examination**  \nThe review process consists of a prmary reviewer and optional additional and peer reviews. This section discusses how to manage the review process.\n-   **Marking the Report Complete**  \nThe Examiner in Charge, Staff Director or Staff User must update the final version of the Report of Examination after the assigned reviewers have completed their review and mark the report complete. The final version of the report, in the correct format, must be uploaded.\n-   **Assigning a Package Assembler**  \nBefore sending your agency’s Report of Examination and Matters Requiring Attention to the company, you must assign a Package Assembler who puts together all documentation, comments, and invoicing information.\n-   **Assembling and Sending the Report Package to the Company**  \nThe report package contains your agency’s examination report, matters requiring attention \\(MRAs\\), documentation, comments, and invoicing information.\n-   **Retracting the Report of Examination**  \nYou can retract the full report package after you send it to the company for the first time and before the company sends a response.\n-   **Deleting Report Versions**  \nYou can delete report versions before a supervisory activity is closed and locked.\n-   **Exporting Report ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\ROE\\topics\\c_agency_ROE.md",
      "relative_path": "maps\\SES\\chapter\\ROE\\topics\\c_agency_ROE.md",
      "headings": [
        "Report of Examination {#c_agency_ROE .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/ROE/topics/c_agency_ROE.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/ROE/topics/c_agency_ROE.md:chunk-1",
      "title": "Report of Examination {#c_agency_ROE .concept}",
      "content": "or the first time and before the company sends a response.\n-   **Deleting Report Versions**  \nYou can delete report versions before a supervisory activity is closed and locked.\n-   **Exporting Report Commentary**  \nExporting the Report Commentary sends an email to the Examiner in Charge with all the report commentaries from the exam team in a Word® document.\n-   **Responding to a Report Response Due Date Extension Request**  \nCompanies can request an extension for the report response. You can choose to accept or reject their requested due date. You also have the option of entering a new due date for the report response.\n-   **Marking Report Response from Company as Complete**  \nWhen the company has submitted their response to the report, you must mark the response as complete before the staff director or staff user can close out the exam.\n-   **Sending Back the Report Package to the Company**  \nHow to send the Report of Examination back to the company after receiving a response.\n\n**Parent topic:**Conducting a Supervisory Activity\n\n**Previous topic:**Exporting the Financial Statement in SES\n\n**Next topic:**Preparing and Uploading the Report of Examination",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\ROE\\topics\\c_agency_ROE.md",
      "relative_path": "maps\\SES\\chapter\\ROE\\topics\\c_agency_ROE.md",
      "headings": [
        "Report of Examination {#c_agency_ROE .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/ROE/topics/c_agency_ROE.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/ROE/topics/c_agency_ROE_PkgAssemb.md:chunk-0",
      "title": "Assigning a Package Assembler {#c_agency_ROE_PkgAssemb .concept}",
      "content": "# Assigning a Package Assembler \n\nBefore sending your agency’s Report of Examination and Matters Requiring Attention to the company, you must assign a Package Assembler who puts together all documentation, comments, and invoicing information.\n\nThe Examiner in Charge or any staff user can be assigned the package assembler at your agency.\n\n**Note:** You must be logged in as a staff user from the lead agency assigned as participant on a supervisory activity, the primary reviewer of the report, or the examiner in charge \\(EIC\\) to assign a package assembler once the report has been uploaded and marked complete.\n\n-   **Assigning a Package Assembler**  \nAssign a Package Assembler to collate all documentation, comments, and invoicing information.\n-   **Re-assigning a Package Assembler**  \nThe Examiner in Charge or a staff user from the Lead Agency that is assigned as a participant can also reassign a Package Assembler.\n\n**Parent topic:**Report of Examination\n\n**Related information**  \n\nPreparing and Uploading the Report of Examination\n\nManaging Report Commentary\n\nManaging Reviews of the Report of Examination\n\nMarking the Report Complete\n\nAssembling and Sending the Report Package to the Company\n\nRetracting the Report of Examination\n\nDeleting Report Versions\n\nExporting Report Commentary\n\nResponding to a Report Response Due Date Extension Request\n\nMarking Report Response from Company as Complete\n\nSending Back the Report Package to the Company",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\ROE\\topics\\c_agency_ROE_PkgAssemb.md",
      "relative_path": "maps\\SES\\chapter\\ROE\\topics\\c_agency_ROE_PkgAssemb.md",
      "headings": [
        "Assigning a Package Assembler {#c_agency_ROE_PkgAssemb .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/ROE/topics/c_agency_ROE_PkgAssemb.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/ROE/topics/c_agency_ROE_commentaryManaging-1.md:chunk-0",
      "title": "Managing Report Commentary {#c_agency_ROE_commentaryManaging .concept}",
      "content": "# Managing Report Commentary \n\nParticipants on an exam can add Report Commentary and mark their own report commentary complete. This informs the Examiner in Charge that the commentaries are ready to be exported and included in the report \\(if applicable\\).\n\n**Note:** The screenshots below are from the Examiner in Charge perspective. All other exam participants can only add and mark their own commentary complete.\n\n-   **Skipping Report Commentary**  \nYou can choose to bypass adding report commentary by selecting **No Report Commentary**. Should you change your mind later, you can use the **Add Report Commentary** command to add comments at that time.\n-   **Adding Report Commentary**  \nExaminers and the Examiner in Charge can add Report Commentary to the Report of Examination to guide report preparation.\n-   **Updating Report Commentary**  \nThe EIC and examiners can add commentary to the report, save the work in progress, and complete it or modify it later.\n-   **Deleting Report Commentary**  \nReport commentary that should not be included in the Report of Examination can be deleted.\n-   **Marking Report Commentary Complete in Bulk**  \nThe EIC can mark commentary from all examiners complete. To save time, this can be done in a single, bulk action.\n\n**Parent topic:**Report of Examination\n\n**Related information**  \n\nPreparing and Uploading the Report of Examination\n\nManaging Reviews of the Report of Examination\n\nMarking the Report Complete\n\nAssigning a Package Assembler\n\nAssembling and Sending the Report Package to the Company\n\nRetracting the Report of Examination\n\nDeleting Report Versions\n\nExporting Report Commentary\n\nResponding to a Report Response Due Date Extension Request\n\nMarking Report Response from Company as Complete\n\nSending Back the Report Package to the Company",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\ROE\\topics\\c_agency_ROE_commentaryManaging-1.md",
      "relative_path": "maps\\SES\\chapter\\ROE\\topics\\c_agency_ROE_commentaryManaging-1.md",
      "headings": [
        "Managing Report Commentary {#c_agency_ROE_commentaryManaging .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/ROE/topics/c_agency_ROE_commentaryManaging-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/ROE/topics/c_agency_ROE_commentaryManaging.md:chunk-0",
      "title": "Managing Report Commentary {#c_agency_ROE_commentaryManaging .concept}",
      "content": "# Managing Report Commentary \n\nParticipants on an exam can add Report Commentary and mark their own report commentary complete. This informs the Examiner in Charge that the commentaries are ready to be exported and included in the report \\(if applicable\\).\n\n**Note:** The screenshots below are from the Examiner in Charge perspective. All other exam participants can only add and mark their own commentary complete.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\ROE\\topics\\c_agency_ROE_commentaryManaging.md",
      "relative_path": "maps\\SES\\chapter\\ROE\\topics\\c_agency_ROE_commentaryManaging.md",
      "headings": [
        "Managing Report Commentary {#c_agency_ROE_commentaryManaging .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/ROE/topics/c_agency_ROE_commentaryManaging.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/ROE/topics/c_agency_ROE_review.md:chunk-0",
      "title": "Managing Reviews of the Report of Examination {#c_agency_ROE_review .concept}",
      "content": "# Managing Reviews of the Report of Examination \n\nThe review process consists of a prmary reviewer and optional additional and peer reviews. This section discusses how to manage the review process.\n\n## Peer review \n\nPeer review is different from the formal review that often leads to an approval of the Report of Examination. Use of peer review is optional and can be used before a formal review process if desired.\n\n## Formal review \n\nIn the formal review process, the primary reviewer is responsible for final approval of the report. If the Examiner in Charge wants to retain the ability to make the approval decision, then send the report for peer review.\n\n**Note:** Once the report is marked complete, no further changes can be made to the report. If multiple reviewers need to review the report, add all the necessary reviewers at one time.\n\n-   **Sending the Report for Peer Review**  \nIf your agency’s supervisory process requires the Examiner in Charge to make the decision of approving the report while still getting the input of others on the team, the report should be sent for peer review.\n-   **Peer Reviewing the Report**  \nThe Examiner in Charge can send the report for peer review to any participant on an exam. The peer review function allows an EIC to route a Report of Examination to another participant on the Supervisory Activity for review.\n-   **Sending the Report for Review**  \nThe review workflow allows the Examiner in Charge to give the final approval decision to the first person selected as the reviewer, the primary reviewer. If the EIC wants to retain the ability to make the approval decision, then send the report for peer review.\n-   **Reviewing the Report**  \nThe review workflow allows the examiner in charge \\(EIC\\) to send the report for review to a primary reviewer \\(the first reviewer selected\\) and additional reviewers. The primary reviewer can approve the report and mark it complete.\n\n**Parent topic:**Report of Examination\n\n**Related information**  \n\nPr",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\ROE\\topics\\c_agency_ROE_review.md",
      "relative_path": "maps\\SES\\chapter\\ROE\\topics\\c_agency_ROE_review.md",
      "headings": [
        "Managing Reviews of the Report of Examination {#c_agency_ROE_review .concept}",
        "Peer review {#section_cds_1q4_ysb .section}",
        "Formal review {#section_mrt_bq4_ysb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/ROE/topics/c_agency_ROE_review.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/ROE/topics/c_agency_ROE_review.md:chunk-1",
      "title": "Managing Reviews of the Report of Examination {#c_agency_ROE_review .concept}",
      "content": "iewer \\(the first reviewer selected\\) and additional reviewers. The primary reviewer can approve the report and mark it complete.\n\n**Parent topic:**Report of Examination\n\n**Related information**  \n\nPreparing and Uploading the Report of Examination\n\nManaging Report Commentary\n\nMarking the Report Complete\n\nAssigning a Package Assembler\n\nAssembling and Sending the Report Package to the Company\n\nRetracting the Report of Examination\n\nDeleting Report Versions\n\nExporting Report Commentary\n\nResponding to a Report Response Due Date Extension Request\n\nMarking Report Response from Company as Complete\n\nSending Back the Report Package to the Company",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\ROE\\topics\\c_agency_ROE_review.md",
      "relative_path": "maps\\SES\\chapter\\ROE\\topics\\c_agency_ROE_review.md",
      "headings": [
        "Managing Reviews of the Report of Examination {#c_agency_ROE_review .concept}",
        "Peer review {#section_cds_1q4_ysb .section}",
        "Formal review {#section_mrt_bq4_ysb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/ROE/topics/c_agency_ROE_review.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/ROE/topics/c_agency_ROE_uploading.md:chunk-0",
      "title": "Preparing and Uploading the Report of Examination {#c_agency_ROE_uploading .concept}",
      "content": "# Preparing and Uploading the Report of Examination \n\nThe examiner in charge \\(EIC\\) can decide what information to include in the report \\(examiner observations, findings, report commentary, etc.\\). Preparing the report takes place outside the system.\n\nPlease have your agency’s report template ready before beginning this process.\n\n1.  Preparing the Report  \nTo prepare the report of examination, the EIC exports all commentary, findings, and procedures to an Excel® file, so this information can be pasted into the report template.\n2.  Uploading the Report  \nOnce the report is prepared, it is ready to be uploaded to SES, with any associated documents and comments. Then it can be reviewed, and when ready, marked complete.\n\n**Parent topic:**Report of Examination\n\n**Related information**  \n\nManaging Report Commentary\n\nManaging Reviews of the Report of Examination\n\nMarking the Report Complete\n\nAssigning a Package Assembler\n\nAssembling and Sending the Report Package to the Company\n\nRetracting the Report of Examination\n\nDeleting Report Versions\n\nExporting Report Commentary\n\nResponding to a Report Response Due Date Extension Request\n\nMarking Report Response from Company as Complete\n\nSending Back the Report Package to the Company",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\ROE\\topics\\c_agency_ROE_uploading.md",
      "relative_path": "maps\\SES\\chapter\\ROE\\topics\\c_agency_ROE_uploading.md",
      "headings": [
        "Preparing and Uploading the Report of Examination {#c_agency_ROE_uploading .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/ROE/topics/c_agency_ROE_uploading.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/ROE/topics/c_company_ROE_chapter.md:chunk-0",
      "title": "Report of Examination {#c_company_ROE_chapter .concept}",
      "content": "# Report of Examination \n\nThe examining or investigating agency will present a Report of Examination at the completion of the supervisory activity. Your company may be allowed to respond to the report.\n\n-   **Responding to the Report**  \nAfter an agency sends the report package, you may be allowed to send a response. Follow the steps below to respond to the report package.\n-   **Requesting a Report Response Due Date Extension from the Respond to Report Package Task**  \nYou can request an extension for the due dates of your company’s report response from the **Respond to Report Package** task on the SES homepage. This sends a notification to the agency to review the request.\n-   **Requesting a Report Response Due Date Extension from the Report Tab**  \nYou can request an extension for the due dates of your company’s report response from the Report tab of the Supervisory Activity. This sends a notification to the agency to review the request.\n\n**Parent topic:**SES Examinations and Investigations Resources for Companies",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\ROE\\topics\\c_company_ROE_chapter.md",
      "relative_path": "maps\\SES\\chapter\\ROE\\topics\\c_company_ROE_chapter.md",
      "headings": [
        "Report of Examination {#c_company_ROE_chapter .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/ROE/topics/c_company_ROE_chapter.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/ROE/topics/t_agency_ROE_CommentaryAdding.md:chunk-0",
      "title": "Adding Report Commentary {#t_agency_ROE_CommentaryAdding .task}",
      "content": "# Adding Report Commentary \n\nExaminers and the Examiner in Charge can add Report Commentary to the Report of Examination to guide report preparation.\n\n**Note:** The screenshots below are from the Examiner in Charge perspective. All other exam participants can only add and mark their own commentary complete.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click the **Report** tab.\n\n    \n\n3.  Click **Add Report Commentary**.\n\n    \n\n4.  Enter the necessary details and upload any documents.\n\n5.  Select **Complete Report Commentary**.\n\n6.  Click **Complete Commentary**.\n\n    \n\n    **Note:** Each examiner can add as many instances of the report commentary as needed.\n\nCompleted and in progress report commentary appears in the Report Commentary section with corresponding status indicators. There is also an indicator if the report commentary includes an attachment.\n\nAll finding commentary you chose to include with the report from the Examination tab will appear under the Report Commentary section.\n\n**Note:**\n\nParticipants can refer to Marking Report Commentary Complete in Bulk to complete their own commentaries.\n\n**Parent topic:**Managing Report Commentary\n\n**Related information**  \n\nSkipping Report Commentary\n\nUpdating Report Commentary\n\nDeleting Report Commentary\n\nMarking Report Commentary Complete in Bulk",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\ROE\\topics\\t_agency_ROE_CommentaryAdding.md",
      "relative_path": "maps\\SES\\chapter\\ROE\\topics\\t_agency_ROE_CommentaryAdding.md",
      "headings": [
        "Adding Report Commentary {#t_agency_ROE_CommentaryAdding .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/ROE/topics/t_agency_ROE_CommentaryAdding.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/ROE/topics/t_agency_ROE_CommentaryCompleteInBulk-1.md:chunk-0",
      "title": "Marking Report Commentary Complete in Bulk {#t_agency_ROE_CommentaryCompleteInBulk .task}",
      "content": "# Marking Report Commentary Complete in Bulk \n\nThe EIC can mark commentary from all examiners complete. To save time, this can be done in a single, bulk action.\n\n**Note:** The screenshots below are from the Examiner in Charge perspective. All other exam participants can only add and mark their own commentary complete.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click the **Report** tab.\n\n    \n\n3.  Click **Complete Commentary**.\n\n    \n\n4.  Click **Complete All Commentary**.\n\n    \n\n    **Note:** Participants only see their own report commentary in this list. Completed report commentary can only be modified by the EIC.\n\n5.  Click **Confirm**.\n\nYour report commentary is marked complete and your **Report Participant Status** is updated to complete.\n\n**Note:** The **Complete Commentary** button no longer appears once used. If additional report commentaries are added, they must be completed one-by-one.\n\n**Parent topic:**Managing Report Commentary\n\n**Related information**  \n\nSkipping Report Commentary\n\nAdding Report Commentary\n\nUpdating Report Commentary\n\nDeleting Report Commentary",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\ROE\\topics\\t_agency_ROE_CommentaryCompleteInBulk-1.md",
      "relative_path": "maps\\SES\\chapter\\ROE\\topics\\t_agency_ROE_CommentaryCompleteInBulk-1.md",
      "headings": [
        "Marking Report Commentary Complete in Bulk {#t_agency_ROE_CommentaryCompleteInBulk .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/ROE/topics/t_agency_ROE_CommentaryCompleteInBulk-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/ROE/topics/t_agency_ROE_CommentaryCompleteInBulk.md:chunk-0",
      "title": "Marking Report Commentary Complete in Bulk {#t_agency_ROE_CommentaryCompleteInBulk .task}",
      "content": "# Marking Report Commentary Complete in Bulk \n\nThe EIC can mark commentary from all examiners complete. To save time, this can be done in a single, bulk action.\n\n**Note:** The screenshots below are from the Examiner in Charge perspective. All other exam participants can only add and mark their own commentary complete.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click the **Report** tab.\n\n    \n\n3.  Click **Complete Commentary**.\n\n    \n\n4.  Click **Complete All Commentary**.\n\n    \n\n    **Note:** Participants only see their own report commentary in this list. Completed report commentary can only be modified by the EIC.\n\n5.  Click **Confirm**.\n\nYour report commentary is marked complete and your **Report Participant Status** is updated to complete.\n\n**Note:** The **Complete Commentary** button no longer appears once used. If additional report commentaries are added, they must be completed one-by-one.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\ROE\\topics\\t_agency_ROE_CommentaryCompleteInBulk.md",
      "relative_path": "maps\\SES\\chapter\\ROE\\topics\\t_agency_ROE_CommentaryCompleteInBulk.md",
      "headings": [
        "Marking Report Commentary Complete in Bulk {#t_agency_ROE_CommentaryCompleteInBulk .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/ROE/topics/t_agency_ROE_CommentaryCompleteInBulk.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/ROE/topics/t_agency_ROE_CommentaryDeleting.md:chunk-0",
      "title": "Deleting Report Commentary {#t_agency_ROE_CommentaryDeleting .task}",
      "content": "# Deleting Report Commentary \n\nReport commentary that should not be included in the Report of Examination can be deleted.\n\n**Note:** The screenshots below are from the Examiner in Charge perspective. All other exam participants can only add and mark their own commentary complete.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click the **Report** tab.\n\n    \n\n3.  Click the **View Details** icon for the desired report commentary.\n\n    \n\n4.  Click **Delete Report Commentary**.\n\n    \n\n5.  Click **Delete Report Commentary**.\n\n    \n\n**Parent topic:**Managing Report Commentary\n\n**Related information**  \n\nSkipping Report Commentary\n\nAdding Report Commentary\n\nUpdating Report Commentary\n\nMarking Report Commentary Complete in Bulk",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\ROE\\topics\\t_agency_ROE_CommentaryDeleting.md",
      "relative_path": "maps\\SES\\chapter\\ROE\\topics\\t_agency_ROE_CommentaryDeleting.md",
      "headings": [
        "Deleting Report Commentary {#t_agency_ROE_CommentaryDeleting .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/ROE/topics/t_agency_ROE_CommentaryDeleting.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/ROE/topics/t_agency_ROE_CommentaryNoComment.md:chunk-0",
      "title": "Skipping Report Commentary {#xd_7f0aedae90fa525a--73076e55-186657cb8f5--7ffc .task}",
      "content": "# Skipping Report Commentary \n\nYou can choose to bypass adding report commentary by selecting **No Report Commentary**. Should you change your mind later, you can use the **Add Report Commentary** command to add comments at that time.\n\nIf you have not added any report commentary, the **No Report Commentary** menu command is displayed, allowing you the option of not adding any report commentary. If you have already added commentary, this command is not displayed.\n\n**Note:** The screenshots below are from the Examiner in Charge perspective. All other exam participants can only add and mark their own commentary complete.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click the **Report** tab.\n\n    \n\n3.  Click **No Report Commentary**.\n\n    \n\n4.  Click **Complete Commentary**.\n\n    \n\n5.  Click **Confirm**.\n\nYour **Report Participant Status** is updated to complete.\n\nYou can later add commentary if necessary by using the **Add Report Commentary** command.\n\n**Note:** The **Complete Commentary** button no longer appears. If additional report commentaries are added, they must be completed one-by-one.\n\n**Parent topic:**Managing Report Commentary\n\n**Related information**  \n\nAdding Report Commentary\n\nUpdating Report Commentary\n\nDeleting Report Commentary\n\nMarking Report Commentary Complete in Bulk",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\ROE\\topics\\t_agency_ROE_CommentaryNoComment.md",
      "relative_path": "maps\\SES\\chapter\\ROE\\topics\\t_agency_ROE_CommentaryNoComment.md",
      "headings": [
        "Skipping Report Commentary {#xd_7f0aedae90fa525a--73076e55-186657cb8f5--7ffc .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/ROE/topics/t_agency_ROE_CommentaryNoComment.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/ROE/topics/t_agency_ROE_CommentaryUpdating.md:chunk-0",
      "title": "Updating Report Commentary {#t_agency_ROE_CommentaryUpdating .task}",
      "content": "# Updating Report Commentary \n\nThe EIC and examiners can add commentary to the report, save the work in progress, and complete it or modify it later.\n\n**Note:** The screenshots below are from the Examiner in Charge perspective. All other exam participants can only add and mark their own commentary complete.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click the **Report** tab.\n\n    \n\n3.  Click the **View Details** icon for the desired report commentary.\n\n    \n\n4.  Click **Update Commentary**.\n\n    \n\n5.  Make the necessary changes.\n\n6.  Select **Complete Report Commentary**.\n\n7.  Click **Complete Commentary**.\n\n    \n\n    **Note:** Each examiner can add as many instances of the report commentary as needed.\n\n**Parent topic:**Managing Report Commentary\n\n**Related information**  \n\nSkipping Report Commentary\n\nAdding Report Commentary\n\nDeleting Report Commentary\n\nMarking Report Commentary Complete in Bulk",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\ROE\\topics\\t_agency_ROE_CommentaryUpdating.md",
      "relative_path": "maps\\SES\\chapter\\ROE\\topics\\t_agency_ROE_CommentaryUpdating.md",
      "headings": [
        "Updating Report Commentary {#t_agency_ROE_CommentaryUpdating .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/ROE/topics/t_agency_ROE_CommentaryUpdating.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/ROE/topics/t_agency_ROE_CompanyResp_dueDateExtension.md:chunk-0",
      "title": "Responding to a Report Response Due Date Extension Request {#t_agency_ROE_CompanyResp_dueDateExtension .task}",
      "content": "# Responding to a Report Response Due Date Extension Request \n\nCompanies can request an extension for the report response. You can choose to accept or reject their requested due date. You also have the option of entering a new due date for the report response.\n\nA staff user from the lead agency or the EIC can respond to report response due date extension requests. You receive a notification from SES when a company requests a due date extension for the report response.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click the **Report** tab.\n\n    \n\n3.  Click the **View Details** icon in the Extension Requests section.\n\n    \n\n4.  Click **Review Report Extension Request**.\n\n    \n\n5.  Select the desired review decision:\n\n    -   **Accept**\n    -   **Reject**\n    -   Enter a new due date\n6.  Click **Accept** or **Reject Extension Request**.\n\nThe report response due date is updated according to your response. Response information is captured in the Extension Requests section. A notification is sent to the company lead.\n\n**Parent topic:**Report of Examination\n\n**Related information**  \n\nPreparing and Uploading the Report of Examination\n\nManaging Report Commentary\n\nManaging Reviews of the Report of Examination\n\nMarking the Report Complete\n\nAssigning a Package Assembler\n\nAssembling and Sending the Report Package to the Company\n\nRetracting the Report of Examination\n\nDeleting Report Versions\n\nExporting Report Commentary\n\nMarking Report Response from Company as Complete\n\nSending Back the Report Package to the Company",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\ROE\\topics\\t_agency_ROE_CompanyResp_dueDateExtension.md",
      "relative_path": "maps\\SES\\chapter\\ROE\\topics\\t_agency_ROE_CompanyResp_dueDateExtension.md",
      "headings": [
        "Responding to a Report Response Due Date Extension Request {#t_agency_ROE_CompanyResp_dueDateExtension .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/ROE/topics/t_agency_ROE_CompanyResp_dueDateExtension.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/ROE/topics/t_agency_ROE_CompanyResp_markComplete-1.md:chunk-0",
      "title": "Marking Report Response from Company as Complete {#t_agency_ROE_CompanyResp_markComplete .task}",
      "content": "# Marking Report Response from Company as Complete \n\nWhen the company has submitted their response to the report, you must mark the response as complete before the staff director or staff user can close out the exam.\n\n**Note:** Only the Examiner in Charge or a staff user that is a participant from the Lead Agency for the supervisory activity can mark the report response as complete.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click the **Report** tab.\n\n    \n\n3.  Click **Mark Report Response as Complete**.\n\n    \n\n4.  Review the company’s comments and supporting documentation.\n\n5.  **Important:** This action cannot be undone.\n\n    Click **Mark as Complete** in the bottom right.\n\n    \n\n**Parent topic:**Report of Examination\n\n**Related information**  \n\nPreparing and Uploading the Report of Examination\n\nManaging Report Commentary\n\nManaging Reviews of the Report of Examination\n\nMarking the Report Complete\n\nAssigning a Package Assembler\n\nAssembling and Sending the Report Package to the Company\n\nRetracting the Report of Examination\n\nDeleting Report Versions\n\nExporting Report Commentary\n\nResponding to a Report Response Due Date Extension Request\n\nSending Back the Report Package to the Company",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\ROE\\topics\\t_agency_ROE_CompanyResp_markComplete-1.md",
      "relative_path": "maps\\SES\\chapter\\ROE\\topics\\t_agency_ROE_CompanyResp_markComplete-1.md",
      "headings": [
        "Marking Report Response from Company as Complete {#t_agency_ROE_CompanyResp_markComplete .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/ROE/topics/t_agency_ROE_CompanyResp_markComplete-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/ROE/topics/t_agency_ROE_CompanyResp_markComplete.md:chunk-0",
      "title": "Marking Report Response from Company as Complete {#t_agency_ROE_CompanyResp_markComplete .task}",
      "content": "# Marking Report Response from Company as Complete \n\nWhen the company has submitted their response to the report, you must mark the response as complete before the staff director or staff user can close out the exam.\n\n**Note:** Only the Examiner in Charge or a staff user that is a participant from the Lead Agency for the supervisory activity can mark the report response as complete.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click the **Report** tab.\n\n    \n\n3.  Click **Mark Report Response as Complete**.\n\n    \n\n4.  Review the company’s comments and supporting documentation.\n\n5.  **Important:** This action cannot be undone.\n\n    Click **Mark as Complete** in the bottom right.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\ROE\\topics\\t_agency_ROE_CompanyResp_markComplete.md",
      "relative_path": "maps\\SES\\chapter\\ROE\\topics\\t_agency_ROE_CompanyResp_markComplete.md",
      "headings": [
        "Marking Report Response from Company as Complete {#t_agency_ROE_CompanyResp_markComplete .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/ROE/topics/t_agency_ROE_CompanyResp_markComplete.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/ROE/topics/t_agency_ROE_PeerReviewing-1.md:chunk-0",
      "title": "Peer Reviewing the Report {#t_agency_ROE_PeerReviewing .task}",
      "content": "# Peer Reviewing the Report \n\nThe Examiner in Charge can send the report for peer review to any participant on an exam. The peer review function allows an EIC to route a Report of Examination to another participant on the Supervisory Activity for review.\n\nPeer review is different from the formal review that often leads to an approval of the ROE. Use of peer review is optional and can be used before a formal review process if desired.\n\n1.  Click the **Peer Review Report** task on the homepage.\n\n    \n\n2.  Review the report:\n\n    1.  Click **Click here to review** to view the entire exam.\n\n        \n\n        **Note:** The exam opens in a new tab in your browser. The\n\n        \n\n        icon indicates that this page will open in a new tab.\n\n    2.  Click the **Preview** icon to open a read-only version of the report in another tab.\n\n        \n\n        \n\n    3.  Click the **Download** icon to download the report to your computer.\n\n        \n\n3.  Make any necessary updates to the report.\n\n4.  Click **Upload** to add your edited version of the report.\n\n    **Tip:** You may need to navigate to the previous tab.\n\n    \n\n5.  Add any comments.\n\n6.  Click **Mark as Complete**.\n\n    \n\n**Parent topic:**Managing Reviews of the Report of Examination\n\n**Related information**  \n\nSending the Report for Peer Review\n\nSending the Report for Review\n\nReviewing the Report",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\ROE\\topics\\t_agency_ROE_PeerReviewing-1.md",
      "relative_path": "maps\\SES\\chapter\\ROE\\topics\\t_agency_ROE_PeerReviewing-1.md",
      "headings": [
        "Peer Reviewing the Report {#t_agency_ROE_PeerReviewing .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/ROE/topics/t_agency_ROE_PeerReviewing-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/ROE/topics/t_agency_ROE_PeerReviewing.md:chunk-0",
      "title": "Peer Reviewing the Report {#t_agency_ROE_PeerReviewing .task}",
      "content": "# Peer Reviewing the Report \n\nThe Examiner in Charge can send the report for peer review to any participant on an exam. The peer review function allows an EIC to route a Report of Examination to another participant on the Supervisory Activity for review.\n\nPeer review is different from the formal review that often leads to an approval of the ROE. Use of peer review is optional and can be used before a formal review process if desired.\n\n1.  Click the **Peer Review Report** task on the homepage.\n\n    \n\n2.  Review the report:\n\n    1.  Click **Click here to review** to view the entire exam.\n\n        \n\n        **Note:** The exam opens in a new tab in your browser. The\n\n        \n\n        icon indicates that this page will open in a new tab.\n\n    2.  Click the **Preview** icon to open a read-only version of the report in another tab.\n\n        \n\n        \n\n    3.  Click the **Download** icon to download the report to your computer.\n\n        \n\n3.  Make any necessary updates to the report.\n\n4.  Click **Upload** to add your edited version of the report.\n\n    **Tip:** You may need to navigate to the previous tab.\n\n    \n\n5.  Add any comments.\n\n6.  Click **Mark as Complete**.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\ROE\\topics\\t_agency_ROE_PeerReviewing.md",
      "relative_path": "maps\\SES\\chapter\\ROE\\topics\\t_agency_ROE_PeerReviewing.md",
      "headings": [
        "Peer Reviewing the Report {#t_agency_ROE_PeerReviewing .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/ROE/topics/t_agency_ROE_PeerReviewing.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/ROE/topics/t_agency_ROE_PeerSending.md:chunk-0",
      "title": "Sending the Report for Peer Review {#t_agency_ROE_PeerSending .task}",
      "content": "# Sending the Report for Peer Review \n\nIf your agency’s supervisory process requires the Examiner in Charge to make the decision of approving the report while still getting the input of others on the team, the report should be sent for peer review.\n\n1.  Preparing the Report\n2.  Preparing and Uploading the Report of Examination\n\nPeer reviewing allows multiple participants on the exam to upload their version of the report and add any necessary comments without making any approval decisions.\n\n**Note:** To send the report for peer review, you must be signed in as the EIC. Any participant that is currently on this exam can be added as a peer reviewer. See Managing Agency Supervisory Activity Participants.\n\n1.  Select **Send Report for Peer Review**.\n\n    \n\n2.  Select the desired peer reviewers.\n\n    -   Selecting a single peer reviewer at a time.\n    -   Selecting all agency participants as peer reviewers.\n3.  Add the **Name** of the peer review task and the **Deadline** \\(date and time\\).\n\n4.  Update the **Instructions** if needed.\n\n5.  Click **Add Peer Reviewer**.\n\n6.  Click **+Add Peer Reviewer** to add additional peer reviewers.\n\n    Adding additional reviewers enables two options in the **Timing** column.\n\n7.  Choose from the two options in the **Timing**column:\n\n    -   **Sequential**: Reviewers receive the report to review one after another.\n    -   **Parallel**: Reviewers receive the report to review at the same time\n8.  Click **Send Report for Peer Review** in the bottom right.\n\nEach peer reviewer sees the **Peer Review Report** task in the Tasks section of the homepage.\n\n**Note:** You can manage the workflow for any review process in SES by clicking the **Review Workflows** button. You are able to modify or cancel the entire workflow, or you can cancel individual assignments if there are multiple reviewers.\n\n**Parent topic:**Managing Reviews of the Report of Examination\n\n**Related information**  \n\nPeer Reviewing the Report\n\nSending the Report for Review\n\nReview",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\ROE\\topics\\t_agency_ROE_PeerSending.md",
      "relative_path": "maps\\SES\\chapter\\ROE\\topics\\t_agency_ROE_PeerSending.md",
      "headings": [
        "Sending the Report for Peer Review {#t_agency_ROE_PeerSending .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/ROE/topics/t_agency_ROE_PeerSending.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/ROE/topics/t_agency_ROE_PeerSending.md:chunk-1",
      "title": "Sending the Report for Peer Review {#t_agency_ROE_PeerSending .task}",
      "content": "ssignments if there are multiple reviewers.\n\n**Parent topic:**Managing Reviews of the Report of Examination\n\n**Related information**  \n\nPeer Reviewing the Report\n\nSending the Report for Review\n\nReviewing the Report\n\nPreparing the Report\n\nUploading the Report",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\ROE\\topics\\t_agency_ROE_PeerSending.md",
      "relative_path": "maps\\SES\\chapter\\ROE\\topics\\t_agency_ROE_PeerSending.md",
      "headings": [
        "Sending the Report for Peer Review {#t_agency_ROE_PeerSending .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/ROE/topics/t_agency_ROE_PeerSending.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/ROE/topics/t_agency_ROE_PkgAssemb_Assembly-1.md:chunk-0",
      "title": "Assembling and Sending the Report Package to the Company {#t_agency_ROE_PkgAssemb_Assembly .task}",
      "content": "# Assembling and Sending the Report Package to the Company \n\nThe report package contains your agency’s examination report, matters requiring attention \\(MRAs\\), documentation, comments, and invoicing information.\n\n**Note:** You must be assigned as the Package Assembler for a Supervisory Activity to complete this process.\n\nPlease note the following restrictions with regard to file uploads in SES. It is recommended to use a ZIP folder or File Sharing Links when uploading large files or more than 25 files at a time.\n\n-   **File formats supported**: SES will accept all file formats, but the following commonly supported file types are recommended: PDF, Word®, Excel®, CSV, ZIP\n-   **Max file size**: 1 GB\n-   **For files larger than 1 GB[^1]:**\n    -   Use ZIP compression to reduce file to less than 1 GB[^1]\n    -   Split the file into multiple smaller files\n    -   Use File Sharing Links.\n-   **Max no. characters per file name:** 200\n-   **Max no. files per upload**: 25, for uploads larger than 25 total files:\n    1.  Upload first 25.\n    2.  Select the **Save Draft** option in Available Next Actions then click the **Save Draft** button.\n\n        **Note:** You may need to refresh the screen to see that the files have uploaded to the system.\n\n    3.  Return to the response screen to upload the next 25 files and repeat.\n-   **Total no. files**: unlimited\n\n1.  Click the **Assemble and Send Report Package** task on the homepage.\n\n    \n\n2.  Deselect any **MRAs** you do not want to send to the company with the report package.\n\n    **Note:** Matters Requiring Attention can still be transmitted after the report package has been sent.\n\n3.  Add necessary information to the report package:\n\n    1.  Enter any **Comments to Company**.\n\n    2.  Select whether you want to **require a response** from the company.\n\n    3.  Upload **Additional Documents** and **Invoice Information**.\n\n    **Note:** Selections made here impact how the company receives the report package.\n\n    -   If you req",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\ROE\\topics\\t_agency_ROE_PkgAssemb_Assembly-1.md",
      "relative_path": "maps\\SES\\chapter\\ROE\\topics\\t_agency_ROE_PkgAssemb_Assembly-1.md",
      "headings": [
        "Assembling and Sending the Report Package to the Company {#t_agency_ROE_PkgAssemb_Assembly .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/ROE/topics/t_agency_ROE_PkgAssemb_Assembly-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/ROE/topics/t_agency_ROE_PkgAssemb_Assembly-1.md:chunk-1",
      "title": "Assembling and Sending the Report Package to the Company {#t_agency_ROE_PkgAssemb_Assembly .task}",
      "content": "se** from the company.\n\n    3.  Upload **Additional Documents** and **Invoice Information**.\n\n    **Note:** Selections made here impact how the company receives the report package.\n\n    -   If you require a response and enter a due date for response, the company lead receives task and an email notification to respond by the due date.\n    -   If you allow a response and enter a due date for response, the company lead receives task and an email notification to respond by the due date.\n    -   If you do not require response, the company lead receives email notification only telling them the package is ready to view. They are not able to submit a response through the system.\n4.  **Important:** Ensure all information in the report package is final before clicking **Send Package to Company**. You cannot make changes or undo this action once the report package is sent to the company.\n\n    Click **Click to Confirm the Report**.\n\n    \n\n5.  Click **Send Package to Company** in the bottom right.\n\n    **Note:** A notification is sent to all agency participants on the supervisory activity when the report package is sent to the company.\n\n    **Note:** If you have not previously communicated with the company about the supervisory activity \\(SA\\), this action triggers a task in SES for the company to assign a company lead for the SA.\n\n**Parent topic:**Report of Examination\n\n**Related information**  \n\nPreparing and Uploading the Report of Examination\n\nManaging Report Commentary\n\nManaging Reviews of the Report of Examination\n\nMarking the Report Complete\n\nAssigning a Package Assembler\n\nRetracting the Report of Examination\n\nDeleting Report Versions\n\nExporting Report Commentary\n\nResponding to a Report Response Due Date Extension Request\n\nMarking Report Response from Company as Complete\n\nSending Back the Report Package to the Company\n\n[^1]: For documents uploaded to the Interactions tab, the maximum file size is 25 MB.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\ROE\\topics\\t_agency_ROE_PkgAssemb_Assembly-1.md",
      "relative_path": "maps\\SES\\chapter\\ROE\\topics\\t_agency_ROE_PkgAssemb_Assembly-1.md",
      "headings": [
        "Assembling and Sending the Report Package to the Company {#t_agency_ROE_PkgAssemb_Assembly .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/ROE/topics/t_agency_ROE_PkgAssemb_Assembly-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/ROE/topics/t_agency_ROE_PkgAssemb_Assembly-1.md:chunk-2",
      "title": "Assembling and Sending the Report Package to the Company {#t_agency_ROE_PkgAssemb_Assembly .task}",
      "content": "ding Back the Report Package to the Company\n\n[^1]: For documents uploaded to the Interactions tab, the maximum file size is 25 MB.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\ROE\\topics\\t_agency_ROE_PkgAssemb_Assembly-1.md",
      "relative_path": "maps\\SES\\chapter\\ROE\\topics\\t_agency_ROE_PkgAssemb_Assembly-1.md",
      "headings": [
        "Assembling and Sending the Report Package to the Company {#t_agency_ROE_PkgAssemb_Assembly .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/ROE/topics/t_agency_ROE_PkgAssemb_Assembly-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/ROE/topics/t_agency_ROE_PkgAssemb_Assembly.md:chunk-0",
      "title": "Assembling and Sending the Report Package to the Company {#t_agency_ROE_PkgAssemb_Assembly .task}",
      "content": "# Assembling and Sending the Report Package to the Company \n\nThe report package contains your agency’s examination report, matters requiring attention \\(MRAs\\), documentation, comments, and invoicing information.\n\n**Note:** You must be assigned as the Package Assembler for a Supervisory Activity to complete this process.\n\nPlease note the following restrictions with regard to file uploads in SES. It is recommended to use a ZIP folder or File Sharing Links when uploading large files or more than 25 files at a time.\n\n-   **File formats supported**: SES will accept all file formats, but the following commonly supported file types are recommended: PDF, Word®, Excel®, CSV, ZIP\n-   **Max file size**: 1 GB\n-   **For files larger than 1 GB[^1]:**\n    -   Use ZIP compression to reduce file to less than 1 GB[^1]\n    -   Split the file into multiple smaller files\n    -   Use File Sharing Links.\n-   **Max no. characters per file name:** 200\n-   **Max no. files per upload**: 25, for uploads larger than 25 total files:\n    1.  Upload first 25.\n    2.  Select the **Save Draft** option in Available Next Actions then click the **Save Draft** button.\n\n        **Note:** You may need to refresh the screen to see that the files have uploaded to the system.\n\n    3.  Return to the response screen to upload the next 25 files and repeat.\n-   **Total no. files**: unlimited\n\n1.  Click the **Assemble and Send Report Package** task on the homepage.\n\n    \n\n2.  Deselect any **MRAs** you do not want to send to the company with the report package.\n\n    **Note:** Matters Requiring Attention can still be transmitted after the report package has been sent.\n\n3.  Add necessary information to the report package:\n\n    1.  Enter any **Comments to Company**.\n\n    2.  Select whether you want to **require a response** from the company.\n\n    3.  Upload **Additional Documents** and **Invoice Information**.\n\n    **Note:** Selections made here impact how the company receives the report package.\n\n    -   If you req",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\ROE\\topics\\t_agency_ROE_PkgAssemb_Assembly.md",
      "relative_path": "maps\\SES\\chapter\\ROE\\topics\\t_agency_ROE_PkgAssemb_Assembly.md",
      "headings": [
        "Assembling and Sending the Report Package to the Company {#t_agency_ROE_PkgAssemb_Assembly .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/ROE/topics/t_agency_ROE_PkgAssemb_Assembly.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/ROE/topics/t_agency_ROE_PkgAssemb_Assembly.md:chunk-1",
      "title": "Assembling and Sending the Report Package to the Company {#t_agency_ROE_PkgAssemb_Assembly .task}",
      "content": "se** from the company.\n\n    3.  Upload **Additional Documents** and **Invoice Information**.\n\n    **Note:** Selections made here impact how the company receives the report package.\n\n    -   If you require a response and enter a due date for response, the company lead receives task and an email notification to respond by the due date.\n    -   If you allow a response and enter a due date for response, the company lead receives task and an email notification to respond by the due date.\n    -   If you do not require response, the company lead receives email notification only telling them the package is ready to view. They are not able to submit a response through the system.\n4.  **Important:** Ensure all information in the report package is final before clicking **Send Package to Company**. You cannot make changes or undo this action once the report package is sent to the company.\n\n    Click **Click to Confirm the Report**.\n\n    \n\n5.  Click **Send Package to Company** in the bottom right.\n\n    **Note:** A notification is sent to all agency participants on the supervisory activity when the report package is sent to the company.\n\n    **Note:** If you have not previously communicated with the company about the supervisory activity \\(SA\\), this action triggers a task in SES for the company to assign a company lead for the SA.\n\n[^1]: For documents uploaded to the Interactions tab, the maximum file size is 25 MB.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\ROE\\topics\\t_agency_ROE_PkgAssemb_Assembly.md",
      "relative_path": "maps\\SES\\chapter\\ROE\\topics\\t_agency_ROE_PkgAssemb_Assembly.md",
      "headings": [
        "Assembling and Sending the Report Package to the Company {#t_agency_ROE_PkgAssemb_Assembly .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/ROE/topics/t_agency_ROE_PkgAssemb_Assembly.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/ROE/topics/t_agency_ROE_PkgAssemb_assign-1.md:chunk-0",
      "title": "Assigning a Package Assembler {#t_agency_ROE_PkgAssemb_assign .task}",
      "content": "# Assigning a Package Assembler \n\nAssign a Package Assembler to collate all documentation, comments, and invoicing information.\n\nBefore assigning a package assembler, the report must be uploaded and marked complete.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Report** > **Assign Package Assembler** or **MRA** > **Assign Package Assembler**.\n\n    \n\n    **Note:** The **Assign Package Assembler** command appears when the report is uploaded and marked complete.\n\n3.  Choose whether you would like to send the report to the company.\n\n    \n\n    Declining to send the report to the company will move the SA to the Close Out Milestone.\n\n    **Important:** If you decline to send the report, you will not be able to send or add any additional Matters Requiring Attention.\n\n4.  If you are choosing to send the report, choose whether you would like to assign yourself as the package assembler or assign it to a staff user.\n\n    **Note:** If you are an Examiner in Charge and assign yourself as the Package Assembler, you will automatically be brought to the task to complete the package assembling.\n\n5.  Click **Assign Package Assembler**.\n\n    \n\nAn email notification to assemble the report package is sent to the user assigned as the package assembler.\n\n**Parent topic:**Assigning a Package Assembler\n\n**Related information**  \n\nUploading the Report\n\nMarking the Report Complete",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\ROE\\topics\\t_agency_ROE_PkgAssemb_assign-1.md",
      "relative_path": "maps\\SES\\chapter\\ROE\\topics\\t_agency_ROE_PkgAssemb_assign-1.md",
      "headings": [
        "Assigning a Package Assembler {#t_agency_ROE_PkgAssemb_assign .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/ROE/topics/t_agency_ROE_PkgAssemb_assign-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/ROE/topics/t_agency_ROE_PkgAssemb_assign.md:chunk-0",
      "title": "Assigning a Package Assembler {#t_agency_ROE_PkgAssemb_assign .task}",
      "content": "# Assigning a Package Assembler \n\nAssign a Package Assembler to collate all documentation, comments, and invoicing information.\n\nBefore assigning a package assembler, the report must be uploaded and marked complete.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Report** > **Assign Package Assembler** or **MRA** > **Assign Package Assembler**.\n\n    \n\n    **Note:** The **Assign Package Assembler** command appears when the report is uploaded and marked complete.\n\n3.  Choose whether you would like to send the report to the company.\n\n    \n\n    Declining to send the report to the company will move the SA to the Close Out Milestone.\n\n    **Important:** If you decline to send the report, you will not be able to send or add any additional Matters Requiring Attention.\n\n4.  If you are choosing to send the report, choose whether you would like to assign yourself as the package assembler or assign it to a staff user.\n\n    **Note:** If you are an Examiner in Charge and assign yourself as the Package Assembler, you will automatically be brought to the task to complete the package assembling.\n\n5.  Click **Assign Package Assembler**.\n\n    \n\nAn email notification to assemble the report package is sent to the user assigned as the package assembler.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\ROE\\topics\\t_agency_ROE_PkgAssemb_assign.md",
      "relative_path": "maps\\SES\\chapter\\ROE\\topics\\t_agency_ROE_PkgAssemb_assign.md",
      "headings": [
        "Assigning a Package Assembler {#t_agency_ROE_PkgAssemb_assign .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/ROE/topics/t_agency_ROE_PkgAssemb_assign.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/ROE/topics/t_agency_ROE_PkgAssemb_reassign.md:chunk-0",
      "title": "Re-assigning a Package Assembler {#t_agency_ROE_PkgAssemb_reassign .task}",
      "content": "# Re-assigning a Package Assembler \n\nThe Examiner in Charge or a staff user from the Lead Agency that is assigned as a participant can also reassign a Package Assembler.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click the **Report** tab.\n\n    \n\n3.  Click **Reassign Package Assembler**.\n\n    \n\n4.  Select the desired user to reassign as a package assembler.\n\n5.  Click **Reassign Package Assembler**.\n\n    \n\n**Parent topic:**Assigning a Package Assembler",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\ROE\\topics\\t_agency_ROE_PkgAssemb_reassign.md",
      "relative_path": "maps\\SES\\chapter\\ROE\\topics\\t_agency_ROE_PkgAssemb_reassign.md",
      "headings": [
        "Re-assigning a Package Assembler {#t_agency_ROE_PkgAssemb_reassign .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/ROE/topics/t_agency_ROE_PkgAssemb_reassign.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/ROE/topics/t_agency_ROE_ReviewSending-1.md:chunk-0",
      "title": "Sending the Report for Review {#t_agency_ROE_ReviewSending .task}",
      "content": "# Sending the Report for Review \n\nThe review workflow allows the Examiner in Charge to give the final approval decision to the first person selected as the reviewer, the primary reviewer. If the EIC wants to retain the ability to make the approval decision, then send the report for peer review.\n\n1.  Preparing the Report\n2.  Preparing and Uploading the Report of Examination\n\n**Note:** At a minimum, there must be one person assigned to the reviewer role.\n\n**Note:** In order to send the report for review, you must be signed in as the EIC.\n\n1.  Select **Send Report for Review** then the **Primary Reviewer**.\n\n    \n\n    **Note:** The first reviewer selected makes the approval decision. If additional reviewers are added, they can upload a version of the report, leave comments, and mark their review as complete.\n\n2.  Enter the **Review Details** and **Task Details** information, then click **Add Reviewer**.\n\n    \n\n3.  Click **+Add Reviewer**, to add additional reviewers.\n\n    \n\n    Adding additional reviewers enables two options in the **Timing** column.\n\n4.  Choose from the two options in the **Timing**column:\n\n    -   **Sequential**: Reviewers receive the report to review one after another.\n    -   **Parallel**: Reviewers receive the report to review at the same time\n5.  Click **Send Report for Review** in the bottom right.\n\n    \n\nThe status of the report is now **In Review**.\n\n**Note:** Each reviewer will see the **Review Report** task in the Tasks section on the homepage.\n\n**Parent topic:**Managing Reviews of the Report of Examination\n\n**Related information**  \n\nSending the Report for Peer Review\n\nPeer Reviewing the Report\n\nReviewing the Report\n\nPreparing the Report\n\nUploading the Report",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\ROE\\topics\\t_agency_ROE_ReviewSending-1.md",
      "relative_path": "maps\\SES\\chapter\\ROE\\topics\\t_agency_ROE_ReviewSending-1.md",
      "headings": [
        "Sending the Report for Review {#t_agency_ROE_ReviewSending .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/ROE/topics/t_agency_ROE_ReviewSending-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/ROE/topics/t_agency_ROE_ReviewSending.md:chunk-0",
      "title": "Sending the Report for Review {#t_agency_ROE_ReviewSending .task}",
      "content": "# Sending the Report for Review \n\nThe review workflow allows the Examiner in Charge to give the final approval decision to the first person selected as the reviewer, the primary reviewer. If the EIC wants to retain the ability to make the approval decision, then send the report for peer review.\n\n1.  Preparing the Report\n2.  Preparing and Uploading the Report of Examination\n\n**Note:** At a minimum, there must be one person assigned to the reviewer role.\n\n**Note:** In order to send the report for review, you must be signed in as the EIC.\n\n1.  Select **Send Report for Review** then the **Primary Reviewer**.\n\n    \n\n    **Note:** The first reviewer selected makes the approval decision. If additional reviewers are added, they can upload a version of the report, leave comments, and mark their review as complete.\n\n2.  Enter the **Review Details** and **Task Details** information, then click **Add Reviewer**.\n\n    \n\n3.  Click **+Add Reviewer**, to add additional reviewers.\n\n    \n\n    Adding additional reviewers enables two options in the **Timing** column.\n\n4.  Choose from the two options in the **Timing**column:\n\n    -   **Sequential**: Reviewers receive the report to review one after another.\n    -   **Parallel**: Reviewers receive the report to review at the same time\n5.  Click **Send Report for Review** in the bottom right.\n\n    \n\nThe status of the report is now **In Review**.\n\n**Note:** Each reviewer will see the **Review Report** task in the Tasks section on the homepage.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\ROE\\topics\\t_agency_ROE_ReviewSending.md",
      "relative_path": "maps\\SES\\chapter\\ROE\\topics\\t_agency_ROE_ReviewSending.md",
      "headings": [
        "Sending the Report for Review {#t_agency_ROE_ReviewSending .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/ROE/topics/t_agency_ROE_ReviewSending.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/ROE/topics/t_agency_ROE_ReviewingPrimary-1.md:chunk-0",
      "title": "Reviewing the Report {#t_agency_ROE_ReviewingPrimary .task}",
      "content": "# Reviewing the Report \n\nThe review workflow allows the examiner in charge \\(EIC\\) to send the report for review to a primary reviewer \\(the first reviewer selected\\) and additional reviewers. The primary reviewer can approve the report and mark it complete.\n\n**Note:** Once the report is marked complete, no further changes can be made to the report. If multiple reviewers need to review the report, add all the necessary reviewers at one time.\n\n1.  Click the **Review Report** task from the homepage.\n\n    \n\n2.  Review the report:\n\n    1.  Click **Click here to review** to view the entire exam.\n\n        \n\n        **Note:** The exam opens in a new tab in your browser. The\n\n        \n\n        icon indicates that this page will open in a new tab.\n\n    2.  Click the **Preview** icon to open a read-only version of the report in another tab.\n\n        \n\n        \n\n    3.  Click the **Download** icon to download the report to your computer.\n\n        \n\n3.  Make any necessary updates to the report.\n\n4.  Click **Upload** to add your edited version of the report.\n\n    **Tip:** You may need to navigate to the previous tab.\n\n    \n\n5.  Add any comments.\n\n6.  **Important:** Do not mark the report complete until it is in the correct format and is the correct version ready to be sent to the company. No further changes to the report can be made if the report is marked complete.\n\n    Once the review has been completed, click **Approve Report** > **Mark as Complete**.\n\n    \n\n    **Note:** Only the Primary Reviewer can select **Approve Report**. Additional reviewers can make and upload their edits, and mark those as complete.\n\n**Parent topic:**Managing Reviews of the Report of Examination\n\n**Related information**  \n\nSending the Report for Peer Review\n\nPeer Reviewing the Report\n\nSending the Report for Review",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\ROE\\topics\\t_agency_ROE_ReviewingPrimary-1.md",
      "relative_path": "maps\\SES\\chapter\\ROE\\topics\\t_agency_ROE_ReviewingPrimary-1.md",
      "headings": [
        "Reviewing the Report {#t_agency_ROE_ReviewingPrimary .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/ROE/topics/t_agency_ROE_ReviewingPrimary-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/ROE/topics/t_agency_ROE_ReviewingPrimary.md:chunk-0",
      "title": "Reviewing the Report {#t_agency_ROE_ReviewingPrimary .task}",
      "content": "# Reviewing the Report \n\nThe review workflow allows the examiner in charge \\(EIC\\) to send the report for review to a primary reviewer \\(the first reviewer selected\\) and additional reviewers. The primary reviewer can approve the report and mark it complete.\n\n**Note:** Once the report is marked complete, no further changes can be made to the report. If multiple reviewers need to review the report, add all the necessary reviewers at one time.\n\n1.  Click the **Review Report** task from the homepage.\n\n    \n\n2.  Review the report:\n\n    1.  Click **Click here to review** to view the entire exam.\n\n        \n\n        **Note:** The exam opens in a new tab in your browser. The\n\n        \n\n        icon indicates that this page will open in a new tab.\n\n    2.  Click the **Preview** icon to open a read-only version of the report in another tab.\n\n        \n\n        \n\n    3.  Click the **Download** icon to download the report to your computer.\n\n        \n\n3.  Make any necessary updates to the report.\n\n4.  Click **Upload** to add your edited version of the report.\n\n    **Tip:** You may need to navigate to the previous tab.\n\n    \n\n5.  Add any comments.\n\n6.  **Important:** Do not mark the report complete until it is in the correct format and is the correct version ready to be sent to the company. No further changes to the report can be made if the report is marked complete.\n\n    Once the review has been completed, click **Approve Report** > **Mark as Complete**.\n\n    \n\n    **Note:** Only the Primary Reviewer can select **Approve Report**. Additional reviewers can make and upload their edits, and mark those as complete.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\ROE\\topics\\t_agency_ROE_ReviewingPrimary.md",
      "relative_path": "maps\\SES\\chapter\\ROE\\topics\\t_agency_ROE_ReviewingPrimary.md",
      "headings": [
        "Reviewing the Report {#t_agency_ROE_ReviewingPrimary .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/ROE/topics/t_agency_ROE_ReviewingPrimary.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/ROE/topics/t_agency_ROE_commentaryExport-1.md:chunk-0",
      "title": "Exporting Report Commentary {#t_agency_ROE_commentaryExport .task}",
      "content": "# Exporting Report Commentary \n\nExporting the Report Commentary sends an email to the Examiner in Charge with all the report commentaries from the exam team in a Word® document.\n\n**Note:** Only the EIC can export report commentary.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click the **Report** tab.\n\n    \n\n3.  Click **Export Report Commentary**.\n\n    \n\n4.  Select the **Report Commentaries** that you want to export.\n\n5.  Click **Export Report Commentary**.\n\n    \n\n    **Note:** The EIC is able to select commentaries that are not marked complete. The email address to which the document is sent is stated above the report commentary section.\n\n    \n\n    \n\n**Parent topic:**Report of Examination\n\n**Related information**  \n\nPreparing and Uploading the Report of Examination\n\nManaging Report Commentary\n\nManaging Reviews of the Report of Examination\n\nMarking the Report Complete\n\nAssigning a Package Assembler\n\nAssembling and Sending the Report Package to the Company\n\nRetracting the Report of Examination\n\nDeleting Report Versions\n\nResponding to a Report Response Due Date Extension Request\n\nMarking Report Response from Company as Complete\n\nSending Back the Report Package to the Company",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\ROE\\topics\\t_agency_ROE_commentaryExport-1.md",
      "relative_path": "maps\\SES\\chapter\\ROE\\topics\\t_agency_ROE_commentaryExport-1.md",
      "headings": [
        "Exporting Report Commentary {#t_agency_ROE_commentaryExport .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/ROE/topics/t_agency_ROE_commentaryExport-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/ROE/topics/t_agency_ROE_commentaryExport.md:chunk-0",
      "title": "Exporting Report Commentary {#t_agency_ROE_commentaryExport .task}",
      "content": "# Exporting Report Commentary \n\nExporting the Report Commentary sends an email to the Examiner in Charge with all the report commentaries from the exam team in a Word® document.\n\n**Note:** Only the EIC can export report commentary.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click the **Report** tab.\n\n    \n\n3.  Click **Export Report Commentary**.\n\n    \n\n4.  Select the **Report Commentaries** that you want to export.\n\n5.  Click **Export Report Commentary**.\n\n    \n\n    **Note:** The EIC is able to select commentaries that are not marked complete. The email address to which the document is sent is stated above the report commentary section.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\ROE\\topics\\t_agency_ROE_commentaryExport.md",
      "relative_path": "maps\\SES\\chapter\\ROE\\topics\\t_agency_ROE_commentaryExport.md",
      "headings": [
        "Exporting Report Commentary {#t_agency_ROE_commentaryExport .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/ROE/topics/t_agency_ROE_commentaryExport.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/ROE/topics/t_agency_ROE_deletingOldReportVersions.md:chunk-0",
      "title": "Deleting Report Versions {#xd_1faeb854f7f52956-24abea30-190f9f1f5db--7ffd .task}",
      "content": "# Deleting Report Versions \n\nYou can delete report versions before a supervisory activity is closed and locked.\n\nThe examiner in charge \\(EIC\\) or a staff user from the lead agency who is a participant on a supervisory activity can delete report versions. This is helpful in case you uploaded the wrong version of a report or a report that is relevant to a different company than the one being examined.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click the **Report** tab.\n\n    \n\n3.  Click **Delete Report Version**.\n\n    \n\n4.  Click the **Delete** icon for the version of the report you want to delete.\n\n    \n\n5.  Click **Delete Report Version**.\n\n    \n\n    **Note:** You cannot delete all report versions, and you cannot delete any versions of the report that have already been sent to the company.\n\n    The Delete Report Versions page closes and the version of the report is deleted from the SA.\n\n**Parent topic:**Report of Examination\n\n**Related information**  \n\nPreparing and Uploading the Report of Examination\n\nManaging Report Commentary\n\nManaging Reviews of the Report of Examination\n\nMarking the Report Complete\n\nAssigning a Package Assembler\n\nAssembling and Sending the Report Package to the Company\n\nRetracting the Report of Examination\n\nExporting Report Commentary\n\nResponding to a Report Response Due Date Extension Request\n\nMarking Report Response from Company as Complete\n\nSending Back the Report Package to the Company",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\ROE\\topics\\t_agency_ROE_deletingOldReportVersions.md",
      "relative_path": "maps\\SES\\chapter\\ROE\\topics\\t_agency_ROE_deletingOldReportVersions.md",
      "headings": [
        "Deleting Report Versions {#xd_1faeb854f7f52956-24abea30-190f9f1f5db--7ffd .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/ROE/topics/t_agency_ROE_deletingOldReportVersions.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/ROE/topics/t_agency_ROE_markComplete-1.md:chunk-0",
      "title": "Marking the Report Complete {#t_agency_ROE_markComplete .task}",
      "content": "# Marking the Report Complete \n\nThe Examiner in Charge, Staff Director or Staff User must update the final version of the Report of Examination after the assigned reviewers have completed their review and mark the report complete. The final version of the report, in the correct format, must be uploaded.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click the **Report** tab.\n\n    \n\n3.  Click **…** > **Update Report**.\n\n    \n\n    \n\n4.  Use the **Preview** or **Download** icons to thoroughly review the peer reviewed reports.\n\n    \n\n5.  Click **Upload** to upload any supporting documents.\n\n    \n\n6.  Click **Upload** to upload the final version of the report.\n\n    \n\n    **Note:** The latest version of the report is what is sent to the company by thePackage Assembler.\n\n7.  Add any commentary as needed.\n\n    \n\n8.  Select **Complete Report without Review**.\n\n9.  **Important:** Do not mark the report complete until it is in the correct format and the correct version is ready to be sent to the company. No further changes to the report can be made after the report is marked complete.\n\n    Click **Click to Confirm the Report** > **Complete Report**.\n\n    \n\n**Parent topic:**Report of Examination\n\n**Related information**  \n\nPreparing and Uploading the Report of Examination\n\nManaging Report Commentary\n\nManaging Reviews of the Report of Examination\n\nAssigning a Package Assembler\n\nAssembling and Sending the Report Package to the Company\n\nRetracting the Report of Examination\n\nDeleting Report Versions\n\nExporting Report Commentary\n\nResponding to a Report Response Due Date Extension Request\n\nMarking Report Response from Company as Complete\n\nSending Back the Report Package to the Company\n\nAssigning a Package Assembler\n\nUploading the Report",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\ROE\\topics\\t_agency_ROE_markComplete-1.md",
      "relative_path": "maps\\SES\\chapter\\ROE\\topics\\t_agency_ROE_markComplete-1.md",
      "headings": [
        "Marking the Report Complete {#t_agency_ROE_markComplete .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/ROE/topics/t_agency_ROE_markComplete-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/ROE/topics/t_agency_ROE_markComplete.md:chunk-0",
      "title": "Marking the Report Complete {#t_agency_ROE_markComplete .task}",
      "content": "# Marking the Report Complete \n\nThe Examiner in Charge, Staff Director or Staff User must update the final version of the Report of Examination after the assigned reviewers have completed their review and mark the report complete. The final version of the report, in the correct format, must be uploaded.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click the **Report** tab.\n\n    \n\n3.  Click **…** > **Update Report**.\n\n    \n\n    \n\n4.  Use the **Preview** or **Download** icons to thoroughly review the peer reviewed reports.\n\n    \n\n5.  Click **Upload** to upload any supporting documents.\n\n    \n\n6.  Click **Upload** to upload the final version of the report.\n\n    \n\n    **Note:** The latest version of the report is what is sent to the company by thePackage Assembler.\n\n7.  Add any commentary as needed.\n\n    \n\n8.  Select **Complete Report without Review**.\n\n9.  **Important:** Do not mark the report complete until it is in the correct format and the correct version is ready to be sent to the company. No further changes to the report can be made after the report is marked complete.\n\n    Click **Click to Confirm the Report** > **Complete Report**.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\ROE\\topics\\t_agency_ROE_markComplete.md",
      "relative_path": "maps\\SES\\chapter\\ROE\\topics\\t_agency_ROE_markComplete.md",
      "headings": [
        "Marking the Report Complete {#t_agency_ROE_markComplete .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/ROE/topics/t_agency_ROE_markComplete.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/ROE/topics/t_agency_ROE_preparing-1.md:chunk-0",
      "title": "Preparing the Report {#t_agency_ROE_preparing .task}",
      "content": "# Preparing the Report \n\nTo prepare the report of examination, the EIC exports all commentary, findings, and procedures to an Excel® file, so this information can be pasted into the report template.\n\n1.  Export the necessary findings, report commentary, and procedures.\n\n    **Note:** Findings and procedures can be exported using the **Export to Excel** command located at the bottom of the corresponding tab.\n\n    \n\n2.  Copy any other information collected by the exam team that you wish to include in the report.\n\n3.  Paste the relevant information into the report template.\n\nPreparing and Uploading the Report of Examination\n\n**Parent topic:**Preparing and Uploading the Report of Examination\n\n**Previous topic:**Preparing and Uploading the Report of Examination\n\n**Next topic:**Uploading the Report\n\n**Related information**  \n\nSending the Report for Peer Review\n\nSending the Report for Review",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\ROE\\topics\\t_agency_ROE_preparing-1.md",
      "relative_path": "maps\\SES\\chapter\\ROE\\topics\\t_agency_ROE_preparing-1.md",
      "headings": [
        "Preparing the Report {#t_agency_ROE_preparing .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/ROE/topics/t_agency_ROE_preparing-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/ROE/topics/t_agency_ROE_preparing.md:chunk-0",
      "title": "Preparing the Report {#t_agency_ROE_preparing .task}",
      "content": "# Preparing the Report \n\nTo prepare the report of examination, the EIC exports all commentary, findings, and procedures to an Excel® file, so this information can be pasted into the report template.\n\n1.  Export the necessary findings, report commentary, and procedures.\n\n    **Note:** Findings and procedures can be exported using the **Export to Excel** command located at the bottom of the corresponding tab.\n\n    \n\n2.  Copy any other information collected by the exam team that you wish to include in the report.\n\n3.  Paste the relevant information into the report template.\n\nPreparing and Uploading the Report of Examination",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\ROE\\topics\\t_agency_ROE_preparing.md",
      "relative_path": "maps\\SES\\chapter\\ROE\\topics\\t_agency_ROE_preparing.md",
      "headings": [
        "Preparing the Report {#t_agency_ROE_preparing .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/ROE/topics/t_agency_ROE_preparing.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/ROE/topics/t_agency_ROE_retract.md:chunk-0",
      "title": "Retracting the Report of Examination {#xd_2e922ef9be1cc4ee--5e0ab90b-18646a873d9--7ff2 .task}",
      "content": "# Retracting the Report of Examination \n\nYou can retract the full report package after you send it to the company for the first time and before the company sends a response.\n\nYou can retract reports for which you did not require a company response. You can also retract the report as many times as you need to before the company responds.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click the **Report** tab.\n\n    \n\n3.  Click **Retract Report**.\n\n    \n\n4.  If an Upload New Version of Report field appears, drag and drop a new copy of the Report of Examination on the Upload New Version of Report field.\n\n    **Note:** You must upload a new report document to retract the existing report that was uploaded and sent to the company. After uploading a new version and retracting the previous version, you must assign a package assembler again to send the new report version to the company.\n\n    \n\n5.  Click **Retract Report** again if previous versions of the report have already been uploaded to the system in the past. In this instance, the last version will become the new report.\n\n6.  Click **Confirm**.\n\nThe report package is NOT immediately sent to the company. The agency must reassign the package assembler who will have to confirm the final report. This retraction will help agency users remove the incorrect report and delete it from the system.The SA is returned to the drafting milestone, and the latest copy of the report and any comments sent to the company are removed.\n\n**Parent topic:**Report of Examination\n\n**Related information**  \n\nPreparing and Uploading the Report of Examination\n\nManaging Report Commentary\n\nManaging Reviews of the Report of Examination\n\nMarking the Report Complete\n\nAssigning a Package Assembler\n\nAssembling and Sending the Report Package to the Company\n\nDeleting Report Versions\n\nExporting Report Commentary\n\nResponding to a Report Response Due Date Extension Request\n\nMarking Report Response from Company as Complete\n\nSending Back the Report Packag",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\ROE\\topics\\t_agency_ROE_retract.md",
      "relative_path": "maps\\SES\\chapter\\ROE\\topics\\t_agency_ROE_retract.md",
      "headings": [
        "Retracting the Report of Examination {#xd_2e922ef9be1cc4ee--5e0ab90b-18646a873d9--7ff2 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/ROE/topics/t_agency_ROE_retract.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/ROE/topics/t_agency_ROE_retract.md:chunk-1",
      "title": "Retracting the Report of Examination {#xd_2e922ef9be1cc4ee--5e0ab90b-18646a873d9--7ff2 .task}",
      "content": "any\n\nDeleting Report Versions\n\nExporting Report Commentary\n\nResponding to a Report Response Due Date Extension Request\n\nMarking Report Response from Company as Complete\n\nSending Back the Report Package to the Company",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\ROE\\topics\\t_agency_ROE_retract.md",
      "relative_path": "maps\\SES\\chapter\\ROE\\topics\\t_agency_ROE_retract.md",
      "headings": [
        "Retracting the Report of Examination {#xd_2e922ef9be1cc4ee--5e0ab90b-18646a873d9--7ff2 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/ROE/topics/t_agency_ROE_retract.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/ROE/topics/t_agency_ROE_sendBack.md:chunk-0",
      "title": "Sending Back the Report Package to the Company {#xd_17f52eb9445be064-1ad8c13f-1825499b3dc--7ffd .task}",
      "content": "# Sending Back the Report Package to the Company \n\nHow to send the Report of Examination back to the company after receiving a response.\n\nAfter receiving a response to the report from the company, you can send the report package back to the company as many times as needed until their response is satisfactory.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click the **Report** tab.\n\n    \n\n3.  Click **Send Back Report Package**.\n\n    \n\n4.  Enter a response due date.\n\n5.  Add a comment or upload a document.\n\n    **Note:** Comments are included in the notification sent to the company.\n\n    Please note the following restrictions with regard to file uploads in SES. It is recommended to use a ZIP folder or File Sharing Links when uploading large files or more than 25 files at a time.\n\n    -   **File formats supported**: SES will accept all file formats, but the following commonly supported file types are recommended: PDF, Word®, Excel®, CSV, ZIP\n    -   **Max file size**: 1 GB\n    -   **For files larger than 1 GB[^1]:**\n        -   Use ZIP compression to reduce file to less than 1 GB[^1]\n        -   Split the file into multiple smaller files\n        -   Use File Sharing Links.\n    -   **Max no. characters per file name:** 200\n    -   **Max no. files per upload**: 25, for uploads larger than 25 total files:\n        1.  Upload first 25.\n        2.  Select the **Save Draft** option in Available Next Actions then click the **Save Draft** button.\n\n            **Note:** You may need to refresh the screen to see that the files have uploaded to the system.\n\n        3.  Return to the response screen to upload the next 25 files and repeat.\n    -   **Total no. files**: unlimited\n6.  Click **Send Back Report Package**.\n\n    \n\nThe company is sent a notification and a task is generated for them on the company homepage in SES. The Report Package section on the Report tab displays the number of times the report was sent, as well as a listing of previous report responses.\n\n**Parent",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\ROE\\topics\\t_agency_ROE_sendBack.md",
      "relative_path": "maps\\SES\\chapter\\ROE\\topics\\t_agency_ROE_sendBack.md",
      "headings": [
        "Sending Back the Report Package to the Company {#xd_17f52eb9445be064-1ad8c13f-1825499b3dc--7ffd .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/ROE/topics/t_agency_ROE_sendBack.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/ROE/topics/t_agency_ROE_sendBack.md:chunk-1",
      "title": "Sending Back the Report Package to the Company {#xd_17f52eb9445be064-1ad8c13f-1825499b3dc--7ffd .task}",
      "content": "ted for them on the company homepage in SES. The Report Package section on the Report tab displays the number of times the report was sent, as well as a listing of previous report responses.\n\n**Parent topic:**Report of Examination\n\n**Related information**  \n\nPreparing and Uploading the Report of Examination\n\nManaging Report Commentary\n\nManaging Reviews of the Report of Examination\n\nMarking the Report Complete\n\nAssigning a Package Assembler\n\nAssembling and Sending the Report Package to the Company\n\nRetracting the Report of Examination\n\nDeleting Report Versions\n\nExporting Report Commentary\n\nResponding to a Report Response Due Date Extension Request\n\nMarking Report Response from Company as Complete\n\n[^1]: For documents uploaded to the Interactions tab, the maximum file size is 25 MB.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\ROE\\topics\\t_agency_ROE_sendBack.md",
      "relative_path": "maps\\SES\\chapter\\ROE\\topics\\t_agency_ROE_sendBack.md",
      "headings": [
        "Sending Back the Report Package to the Company {#xd_17f52eb9445be064-1ad8c13f-1825499b3dc--7ffd .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/ROE/topics/t_agency_ROE_sendBack.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/ROE/topics/t_agency_ROE_uploading.md:chunk-0",
      "title": "Uploading the Report {#t_agency_ROE_uploading .task}",
      "content": "# Uploading the Report \n\nOnce the report is prepared, it is ready to be uploaded to SES, with any associated documents and comments. Then it can be reviewed, and when ready, marked complete.\n\nPreparing the Report\n\nPlease note the following restrictions with regard to file uploads in SES. It is recommended to use a ZIP folder or File Sharing Links when uploading large files or more than 25 files at a time.\n\n-   **File formats supported**: SES will accept all file formats, but the following commonly supported file types are recommended: PDF, Word®, Excel®, CSV, ZIP\n-   **Max file size**: 1 GB\n-   **For files larger than 1 GB[^1]:**\n    -   Use ZIP compression to reduce file to less than 1 GB[^1]\n    -   Split the file into multiple smaller files\n    -   Use File Sharing Links.\n-   **Max no. characters per file name:** 200\n-   **Max no. files per upload**: 25, for uploads larger than 25 total files:\n    1.  Upload first 25.\n    2.  Select the **Save Draft** option in Available Next Actions then click the **Save Draft** button.\n\n        **Note:** You may need to refresh the screen to see that the files have uploaded to the system.\n\n    3.  Return to the response screen to upload the next 25 files and repeat.\n-   **Total no. files**: unlimited\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click the **Report** tab.\n\n    \n\n3.  Click **Upload Report**.\n\n    \n\n4.  Click **Upload**.\n\n    1.  Upload any associated documents in the Supporting Documents section.\n\n    2.  Enter additional comments in the Comments section.\n\n    \n\n5.  Select an option from the **Available Next Actions**.\n\n6.  Click the corresponding action button.\n\n    \n\n    **Note:** If you select **Complete Report without Review**, you must **Click to Confirm the Report** because you cannot make changes after this point.\n\n    Do not mark the report complete until it is in the correct format and is the correct version ready to be sent to the company. No further changes to the report can be made if the rep",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\ROE\\topics\\t_agency_ROE_uploading.md",
      "relative_path": "maps\\SES\\chapter\\ROE\\topics\\t_agency_ROE_uploading.md",
      "headings": [
        "Uploading the Report {#t_agency_ROE_uploading .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/ROE/topics/t_agency_ROE_uploading.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/ROE/topics/t_agency_ROE_uploading.md:chunk-1",
      "title": "Uploading the Report {#t_agency_ROE_uploading .task}",
      "content": "r this point.\n\n    Do not mark the report complete until it is in the correct format and is the correct version ready to be sent to the company. No further changes to the report can be made if the report is marked complete.\n\n    **Note:**\n\n    -   The **Peer Review** workflow can include all the participants on the SA.\n    -   The **Review** workflow can only include participants assigned the Reviewer role for the SA.\n7.  Click **View Report Versions** to see the available versions of the report.\n\n    The version marked **Latest** will be sent to the company by the package assembler.\n\n    \n\n    \n\n**Parent topic:**Preparing and Uploading the Report of Examination\n\n**Previous topic:**Preparing the Report\n\n**Next topic:**Managing Report Commentary\n\n**Related information**  \n\nAssigning a Package Assembler\n\nMarking the Report Complete\n\nSending the Report for Peer Review\n\nSending the Report for Review\n\n[^1]: For documents uploaded to the Interactions tab, the maximum file size is 25 MB.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\ROE\\topics\\t_agency_ROE_uploading.md",
      "relative_path": "maps\\SES\\chapter\\ROE\\topics\\t_agency_ROE_uploading.md",
      "headings": [
        "Uploading the Report {#t_agency_ROE_uploading .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/ROE/topics/t_agency_ROE_uploading.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/ROE/topics/t_companyROE_reqDateExt.md:chunk-0",
      "title": "Requesting a Report Response Due Date Extension from the Respond to Report Package Task {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7fea .task}",
      "content": "# Requesting a Report Response Due Date Extension from the Respond to Report Package Task \n\nYou can request an extension for the due dates of your company’s report response from the **Respond to Report Package** task on the SES homepage. This sends a notification to the agency to review the request.\n\nThe agency can accept or reject your requested due date. They also have the option of entering a new due date for the report response.\n\n**Note:** You must be the Company Lead to request a report response due date extension.\n\n1.  Click the **Respond to Report Package** task on the homepage.\n\n    \n\n2.  Click **Request Report Response Due Date Extension**.\n\n    \n\n3.  Enter your requested due date.\n\n4.  Enter the reason for extension.\n\n5.  Click **Request Extension**.\n\n    \n\nThe agency is notified and reviews your due date extension request.\n\n**Note:** The current due date for the report response remains in effect until the agency reviews and responds to your due date extension request. The Company Lead receives a notification with the agency’s due date extension decision.\n\n**Note:** You can manage the workflow for any review process in SES by clicking the **Review Workflows** button. You are able to modify or cancel the entire workflow, or you can cancel individual assignments if there are multiple reviewers.\n\n**Parent topic:**Report of Examination",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\ROE\\topics\\t_companyROE_reqDateExt.md",
      "relative_path": "maps\\SES\\chapter\\ROE\\topics\\t_companyROE_reqDateExt.md",
      "headings": [
        "Requesting a Report Response Due Date Extension from the Respond to Report Package Task {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7fea .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/ROE/topics/t_companyROE_reqDateExt.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/ROE/topics/t_companyROE_reqDateExt_reportTab.md:chunk-0",
      "title": "Requesting a Report Response Due Date Extension from the Report Tab {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7fe9 .task}",
      "content": "# Requesting a Report Response Due Date Extension from the Report Tab \n\nYou can request an extension for the due dates of your company’s report response from the Report tab of the Supervisory Activity. This sends a notification to the agency to review the request.\n\nThe agency can accept or reject your requested due date. They also have the option of entering a new due date for the report response.\n\n**Note:** You must be the Company Lead to request a report response due date extension.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click the **Report** tab.\n\n    \n\n3.  Click **Request Report Response Due Date Extension**.\n\n    \n\n4.  Enter your requested due date.\n\n5.  Enter the reason for extension.\n\n6.  Click **Request Extension**.\n\n    \n\nThe agency is notified and reviews your due date extension request.\n\n**Note:** The current due date for the report response remains in effect until the agency reviews and responds to your due date extension request. The Company Lead receives a notification with the agency’s due date extension decision.\n\n**Note:** You can manage the workflow for any review process in SES by clicking the **Review Workflows** button. You are able to modify or cancel the entire workflow, or you can cancel individual assignments if there are multiple reviewers.\n\n**Parent topic:**Report of Examination",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\ROE\\topics\\t_companyROE_reqDateExt_reportTab.md",
      "relative_path": "maps\\SES\\chapter\\ROE\\topics\\t_companyROE_reqDateExt_reportTab.md",
      "headings": [
        "Requesting a Report Response Due Date Extension from the Report Tab {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7fe9 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/ROE/topics/t_companyROE_reqDateExt_reportTab.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/ROE/topics/t_company_ROE_responding-1.md:chunk-0",
      "title": "Responding to the Report {#t_company_respondToReport .task}",
      "content": "# Responding to the Report \n\nAfter an agency sends the report package, you may be allowed to send a response. Follow the steps below to respond to the report package.\n\nAll participants on the Supervisory Activity can view the report package but only the Company Lead assigned can respond to the report package.\n\n**Note:** You cannot respond to any information requests or loan requests on a supervisory activity once the report has been sent by the agency.\n\n1.  Click the **Respond to Report Package** task on the homepage.\n\n    \n\n2.  Review the information and documentation sent by the agency.\n\n    **Note:** Matters requiring attention \\(MRAs\\) may be included in the report package. All participants can view the MRAs and can draft the MRA responses but only the Company Lead can send the responses to the agency. Click the **View MRA’s** button to view and draft responses to MRAs.\n\n    \n\n3.  Enter your response to the report. and upload any supporting documents.\n\n4.  Upload any necessary documents.\n\n    **Note:** See Uploading Documents for details on uploading documents.\n\n5.  Click **Respond to Report**.\n\n    \n\n    **Note:** The agency is notified that the response was sent.\n\n**Parent topic:**Report of Examination",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\ROE\\topics\\t_company_ROE_responding-1.md",
      "relative_path": "maps\\SES\\chapter\\ROE\\topics\\t_company_ROE_responding-1.md",
      "headings": [
        "Responding to the Report {#t_company_respondToReport .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/ROE/topics/t_company_ROE_responding-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/ROE/topics/t_company_ROE_responding.md:chunk-0",
      "title": "Responding to the Report {#t_company_respondToReport .task}",
      "content": "# Responding to the Report \n\nAfter an agency sends the report package, you may be allowed to send a response. Follow the steps below to respond to the report package.\n\nAll participants on the Supervisory Activity can view the report package but only the Company Lead assigned can respond to the report package.\n\n**Note:** You cannot respond to any information requests or loan requests on a supervisory activity once the report has been sent by the agency.\n\n1.  Click the **Respond to Report Package** task on the homepage.\n\n    \n\n2.  Review the information and documentation sent by the agency.\n\n    **Note:** Matters requiring attention \\(MRAs\\) may be included in the report package. All participants can view the MRAs and can draft the MRA responses but only the Company Lead can send the responses to the agency. Click the **View MRA’s** button to view and draft responses to MRAs.\n\n    \n\n3.  Enter your response to the report. and upload any supporting documents.\n\n4.  Upload any necessary documents.\n\n    **Note:** See Uploading Documents for details on uploading documents.\n\n5.  Click **Respond to Report**.\n\n    \n\n    **Note:** The agency is notified that the response was sent.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\ROE\\topics\\t_company_ROE_responding.md",
      "relative_path": "maps\\SES\\chapter\\ROE\\topics\\t_company_ROE_responding.md",
      "headings": [
        "Responding to the Report {#t_company_respondToReport .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/ROE/topics/t_company_ROE_responding.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_adHoc/topics/c_agency_SA_externalSupervisoryDocs.md:chunk-0",
      "title": "External Supervisory Documents on a Company Record {#xd_3daaf0d126289c2f-936c3ba-1866aa53950--7ff0 .concept}",
      "content": "# External Supervisory Documents on a Company Record \n\nCSBS Support Staff can add documents to a company’s record in SES from external sources \\(other than NMLS and SES\\), including federal and state agencies.\n\nThe lists provided in this topic are subject to change as CSBS Support Staff make additions to this feature of the system.\n\n## Sources of External Supervisory Documents \n\nThis is a non-exhaustive list of the sources of external supervisory documents that CSBS Support Staff can add to a company record:\n\n-   Consumer Financial Protection Bureau \\(CFPB\\)\n-   Department of Justice \\(DOJ\\)\n-   Farm Credit Administration \\(FCA\\)\n-   Federal Deposit Insurance Corporation \\(FDIC\\)\n-   Federal Housing Finance Agency \\(FHFA\\)\n-   Federal Reserve Board \\(FRB\\)\n-   Federal Trade Commission \\(FTC\\)\n-   Financial Crimes Enforcement Network \\(FinCEN\\)\n-   Ginnie Mae \\(GNMA\\)\n-   Housing & Urban Development & Federal Housing Administration \\(HUD/FHA\\)\n-   Internal Revenue Services \\(IRS\\)\n-   National Credit Union Association \\(NCUA\\)\n-   Office of the Comptroller of the Currency, Treasury \\(OCC\\)\n-   State Attorney General\n\n## External Supervisory Document Types { .section}\n\nThis is a non-exhaustive list of the types of external supervisory documents that CSBS Support Staff can add to a company record:\n\n-   Close-out Letter\n-   Information Request\n-   Memorandum of Understanding\n-   MRA Summary Letter\n-   MRA Close-out Letter\n-   Report of Exam\n-   Regulatory Action\n-   Supervisory Letter\n\n-   **Viewing External Supervisory Documents on a Company Record**  \nYou can view documents added to a company's record by CSBS Support Staff if the company is licensed by your agency.\n\n**Parent topic:**Managing Supervisory Activities",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_adHoc\\topics\\c_agency_SA_externalSupervisoryDocs.md",
      "relative_path": "maps\\SES\\chapter\\SA_adHoc\\topics\\c_agency_SA_externalSupervisoryDocs.md",
      "headings": [
        "External Supervisory Documents on a Company Record {#xd_3daaf0d126289c2f-936c3ba-1866aa53950--7ff0 .concept}",
        "Sources of External Supervisory Documents {#section_d2v_chz_pwb .section}",
        "External Supervisory Document Types { .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_adHoc/topics/c_agency_SA_externalSupervisoryDocs.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_adHoc/topics/c_agency_SA_participants_manage-1.md:chunk-0",
      "title": "Managing Agency Supervisory Activity Participants {#c_agency_SA_participants_manage .concept}",
      "content": "# Managing Agency Supervisory Activity Participants \n\nParticipants on a Supervisory Activity can be added or removed at any time until the exam is Closed. You can also update user roles on an SA or reassign the Examiner in Charge.\n\nFor details on user roles and permissions, see SES Agency System Roles & Consumer Complaints Roles.\n\n**Note:** Only the Examiner in Charge or staff user from the lead agency assigned as a participant on an SA can add or remove participants on a single-state SA. On a multi-state SA, all active participants on the SA can add or remove participants from their agency before the SA is closed and locked.\n\n|SES User Role|Can add participants for own state|Can update or remove participants for own state|Can add, update, or remove participants from other states|\n|-------------|----------------------------------|-----------------------------------------------|---------------------------------------------------------|\n|EIC|Yes|Yes|Yes|\n|Staff User from lead agency|Yes|Yes|Yes|\n|Staff user NOT from lead agency, NOT a participant on exam|No|No|No|\n|Participants from lead agency Lead, NOT EIC or Staff User|Yes|Yes|No|\n|Participants NOT from Lead agency, NOT EIC, NOT having Staff User Role|Yes|Yes|No|\n\n-   **Adding Agency Participants to a Supervisory Activity**  \nParticipants on a Supervisory Activity can be added or removed at any time until the exam is Closed.\n-   **Updating Agency SA Participant Roles or Removing Participants**  \nParticipant roles on a Supervisory Activity can be updated, or a participant removed from the SA at any time until the exam is Closed.\n-   **Reassigning the EIC on a Supervisory Activity**  \nYou can change the Examiner in Charge assignment on a Supervisory Activity any time up until the SA is Closed.\n-   **Adding Participants to a Closed and Locked SA to Download SA Documents**  \nAfter a supervisory activity \\(SA\\) is closed and locked, the examiner in charge \\(EIC\\) or staff user from the lead agency can add or remove part",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_adHoc\\topics\\c_agency_SA_participants_manage-1.md",
      "relative_path": "maps\\SES\\chapter\\SA_adHoc\\topics\\c_agency_SA_participants_manage-1.md",
      "headings": [
        "Managing Agency Supervisory Activity Participants {#c_agency_SA_participants_manage .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_adHoc/topics/c_agency_SA_participants_manage-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_adHoc/topics/c_agency_SA_participants_manage-1.md:chunk-1",
      "title": "Managing Agency Supervisory Activity Participants {#c_agency_SA_participants_manage .concept}",
      "content": "o a Closed and Locked SA to Download SA Documents**  \nAfter a supervisory activity \\(SA\\) is closed and locked, the examiner in charge \\(EIC\\) or staff user from the lead agency can add or remove participants to the SA to allow them to download SA documents.\n\n**Parent topic:**Managing Supervisory Activities",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_adHoc\\topics\\c_agency_SA_participants_manage-1.md",
      "relative_path": "maps\\SES\\chapter\\SA_adHoc\\topics\\c_agency_SA_participants_manage-1.md",
      "headings": [
        "Managing Agency Supervisory Activity Participants {#c_agency_SA_participants_manage .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_adHoc/topics/c_agency_SA_participants_manage-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_adHoc/topics/c_agency_SA_participants_manage.md:chunk-0",
      "title": "Managing Agency Supervisory Activity Participants {#c_agency_SA_participants_manage .concept}",
      "content": "# Managing Agency Supervisory Activity Participants \n\nParticipants on a Supervisory Activity can be added or removed at any time until the exam is Closed. You can also update user roles on an SA or reassign the Examiner in Charge.\n\nFor details on user roles and permissions, see SES Agency System Roles & Consumer Complaints Roles.\n\n**Note:** Only the Examiner in Charge or staff user from the lead agency assigned as a participant on an SA can add or remove participants on a single-state SA. On a multi-state SA, all active participants on the SA can add or remove participants from their agency before the SA is closed and locked.\n\n|SES User Role|Can add participants for own state|Can update or remove participants for own state|Can add, update, or remove participants from other states|\n|-------------|----------------------------------|-----------------------------------------------|---------------------------------------------------------|\n|EIC|Yes|Yes|Yes|\n|Staff User from lead agency|Yes|Yes|Yes|\n|Staff user NOT from lead agency, NOT a participant on exam|No|No|No|\n|Participants from lead agency Lead, NOT EIC or Staff User|Yes|Yes|No|\n|Participants NOT from Lead agency, NOT EIC, NOT having Staff User Role|Yes|Yes|No|",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_adHoc\\topics\\c_agency_SA_participants_manage.md",
      "relative_path": "maps\\SES\\chapter\\SA_adHoc\\topics\\c_agency_SA_participants_manage.md",
      "headings": [
        "Managing Agency Supervisory Activity Participants {#c_agency_SA_participants_manage .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_adHoc/topics/c_agency_SA_participants_manage.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_adHoc/topics/c_agency_chapStart_manageSA.md:chunk-0",
      "title": "Managing Supervisory Activities {#c_agency_chapStart_manageSA .concept}",
      "content": "# Managing Supervisory Activities \n\nThis section includes managing the Library, exam scheduling, and participants in a Supervisory Activity. Bulk download of data from supervisory activities is also included.\n\n-   **Supervisory Activities Page for Agency Users**  \nThe Supervisory Activities page is where you can see a list of all supervisory activities in SES.\n-   **Overseeing Your Agency's Supervisory Activities**  \nDescribes how the \"Master Viewer\" role in SES can be used to oversee an agency's supervisory activities \\(SAs\\).\n-   **Understanding the Library**  \nThe Library was developed to help standardize the examination process from agency to agency. The library contains four types of items: procedures, information requests, references, areas for review, and work programs.\n-   **Managing the Library**  \nThe library was developed to help standardize the examination process from agency to agency. Managing the library includes adding, removing and updating agency-specific library items.\n-   **Exam Scheduling**  \nExam Scheduling allows an agency to plan out in advance which exams it will conduct in a given time period. Scheduling allows agencies to avoid duplicate examinations across state agencies through better information sharing.\n-   **Managing Agency Supervisory Activity Participants**  \nParticipants on a Supervisory Activity can be added or removed at any time until the exam is Closed. You can also update user roles on an SA or reassign the Examiner in Charge.\n-   **Bulk Downloading Supervisory Activity Documents**  \nHow to download documents uploaded as part of a supervisory activity \\(SA\\).\n-   **External Supervisory Documents on a Company Record**  \nCSBS Support Staff can add documents to a company’s record in SES from external sources \\(other than NMLS and SES\\), including federal and state agencies.\n\n**Parent topic:**SES Examinations and Investigations Resources for Agencies\n\n**Related information**  \n\nJob Aid: Conducting Your First Exam in SES\n\nConductin",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_adHoc\\topics\\c_agency_chapStart_manageSA.md",
      "relative_path": "maps\\SES\\chapter\\SA_adHoc\\topics\\c_agency_chapStart_manageSA.md",
      "headings": [
        "Managing Supervisory Activities {#c_agency_chapStart_manageSA .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_adHoc/topics/c_agency_chapStart_manageSA.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_adHoc/topics/c_agency_chapStart_manageSA.md:chunk-1",
      "title": "Managing Supervisory Activities {#c_agency_chapStart_manageSA .concept}",
      "content": "\\), including federal and state agencies.\n\n**Parent topic:**SES Examinations and Investigations Resources for Agencies\n\n**Related information**  \n\nJob Aid: Conducting Your First Exam in SES\n\nConducting a Supervisory Activity\n\nNetworked Supervision",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_adHoc\\topics\\c_agency_chapStart_manageSA.md",
      "relative_path": "maps\\SES\\chapter\\SA_adHoc\\topics\\c_agency_chapStart_manageSA.md",
      "headings": [
        "Managing Supervisory Activities {#c_agency_chapStart_manageSA .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_adHoc/topics/c_agency_chapStart_manageSA.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_adHoc/topics/c_company_SA_participants_manage-1.md:chunk-0",
      "title": "Managing Company Supervisory Activity Participants {#c_company_SA_participants_manage .concept}",
      "content": "# Managing Company Supervisory Activity Participants \n\nCompany participants on a Supervisory Activity can be added or removed at any time until the Examination or Investigation is Closed. You can also update user roles on an SA or reassign the company lead.\n\nFor details on user roles and permissions, see the SES Company User Roles Matrix.\n\n**Note:** Only the company lead can manage participants on a Supervisory Activity\n\n-   **Assigning the Company Lead on a Supervisory Activity**  \nThe company lead is the main point of contact for a Supervisory Activity, responsible for responding to Information Requests, the Report of Examination, and Matters Requiring Attention.\n-   **Adding Company Participants to a Supervisory Activity**  \nCompany participants on a Supervisory Activity can be added at any time until the Examination or Investigation is Closed.\n-   **Updating Company SA Participant Roles or Removing Participants**  \nCompany participants on a Supervisory Activity can be updated or removed at any time until the Examination or Investigation is Closed.\n-   **Reassigning the Company Lead on a Supervisory Activity**  \nThe Company Lead on a Supervisory Activity can be reassigned at any time until the Examination or Investigation is Closed.\n\n**Parent topic:**SES Examinations and Investigations Resources for Companies",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_adHoc\\topics\\c_company_SA_participants_manage-1.md",
      "relative_path": "maps\\SES\\chapter\\SA_adHoc\\topics\\c_company_SA_participants_manage-1.md",
      "headings": [
        "Managing Company Supervisory Activity Participants {#c_company_SA_participants_manage .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_adHoc/topics/c_company_SA_participants_manage-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_adHoc/topics/c_company_SA_participants_manage.md:chunk-0",
      "title": "Managing Company Supervisory Activity Participants {#c_company_SA_participants_manage .concept}",
      "content": "# Managing Company Supervisory Activity Participants \n\nCompany participants on a Supervisory Activity can be added or removed at any time until the Examination or Investigation is Closed. You can also update user roles on an SA or reassign the company lead.\n\nFor details on user roles and permissions, see the SES Company User Roles Matrix.\n\n**Note:** Only the company lead can manage participants on a Supervisory Activity",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_adHoc\\topics\\c_company_SA_participants_manage.md",
      "relative_path": "maps\\SES\\chapter\\SA_adHoc\\topics\\c_company_SA_participants_manage.md",
      "headings": [
        "Managing Company Supervisory Activity Participants {#c_company_SA_participants_manage .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_adHoc/topics/c_company_SA_participants_manage.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_adHoc/topics/t_agency_SA_participantsAdding-1.md:chunk-0",
      "title": "Adding Agency Participants to a Supervisory Activity {#t_agency_SA_assign_addingParticipants .task}",
      "content": "# Adding Agency Participants to a Supervisory Activity \n\nParticipants on a Supervisory Activity can be added or removed at any time until the exam is Closed.\n\nSee Adding Participants to a Closed and Locked SA to Download SA Documents for information on how to add participants after an exam is closed. Team lead assignments can be made when adding participants.\n\n**Note:** Only the Examiner in Charge or staff user from the lead agency assigned as a participant on an SA can add or remove participants on a single-state SA. On a multi-state SA, all active participants on the SA can add or remove participants from their agency before the SA is closed and locked.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Participants**.\n\n    \n\n3.  Click **Add Participants**.\n\n    \n\n4.  Type in and select the desired user’s **Name**.\n\n    **Note:** Only users with an SES account are available for selection. If you do not see the desired person, contact your account administrator.\n\n5.  Click **Add Participants**.\n\n    \n\n6.  Select the desired **Role** for the user.\n\n    \n\n    **Note:** On a multi-state SA, you must designate one participant from your agency as the Team Lead. This designation does not grant the user any additional permissions, but it does provide a Team Lead indicator to other participating agencies and the company being examined.\n\n    \n\n    \n\n    **Note:** When adding an Examiner in Charge or other participants, if a calendar icon appears, it means that user is actively participating on other SAs. Click the **calendar icon**\n\n    \n\n    to see the current workload for the user.\n\n7.  Repeat this process for all participants to be added to the exam by clicking **Add Participant** below the participant’s name.\n\n    \n\n    **Note:** You can return to this page and add participants at any time before the SA is closed. However, selecting all the necessary participants at once allows you to proceed more smoothly through the workflows.\n\n8.  Click **Add Participants",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_adHoc\\topics\\t_agency_SA_participantsAdding-1.md",
      "relative_path": "maps\\SES\\chapter\\SA_adHoc\\topics\\t_agency_SA_participantsAdding-1.md",
      "headings": [
        "Adding Agency Participants to a Supervisory Activity {#t_agency_SA_assign_addingParticipants .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_adHoc/topics/t_agency_SA_participantsAdding-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_adHoc/topics/t_agency_SA_participantsAdding-1.md:chunk-1",
      "title": "Adding Agency Participants to a Supervisory Activity {#t_agency_SA_assign_addingParticipants .task}",
      "content": "add participants at any time before the SA is closed. However, selecting all the necessary participants at once allows you to proceed more smoothly through the workflows.\n\n8.  Click **Add Participants** in the bottom right.\n\n    \n\n**Parent topic:**Managing Agency Supervisory Activity Participants",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_adHoc\\topics\\t_agency_SA_participantsAdding-1.md",
      "relative_path": "maps\\SES\\chapter\\SA_adHoc\\topics\\t_agency_SA_participantsAdding-1.md",
      "headings": [
        "Adding Agency Participants to a Supervisory Activity {#t_agency_SA_assign_addingParticipants .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_adHoc/topics/t_agency_SA_participantsAdding-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_adHoc/topics/t_agency_SA_participantsAdding.md:chunk-0",
      "title": "Adding Agency Participants to a Supervisory Activity {#t_agency_SA_assign_addingParticipants .task}",
      "content": "# Adding Agency Participants to a Supervisory Activity \n\nParticipants on a Supervisory Activity can be added or removed at any time until the exam is Closed.\n\nSee Adding Participants to a Closed and Locked SA to Download SA Documents for information on how to add participants after an exam is closed. Team lead assignments can be made when adding participants.\n\n**Note:** Only the Examiner in Charge or staff user from the lead agency assigned as a participant on an SA can add or remove participants on a single-state SA. On a multi-state SA, all active participants on the SA can add or remove participants from their agency before the SA is closed and locked.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Participants**.\n\n    \n\n3.  Click **Add Participants**.\n\n    \n\n4.  Type in and select the desired user’s **Name**.\n\n    **Note:** Only users with an SES account are available for selection. If you do not see the desired person, contact your account administrator.\n\n5.  Click **Add Participants**.\n\n    \n\n6.  Select the desired **Role** for the user.\n\n    \n\n    **Note:** On a multi-state SA, you must designate one participant from your agency as the Team Lead. This designation does not grant the user any additional permissions, but it does provide a Team Lead indicator to other participating agencies and the company being examined.\n\n    \n\n    \n\n    **Note:** When adding an Examiner in Charge or other participants, if a calendar icon appears, it means that user is actively participating on other SAs. Click the **calendar icon**\n\n    \n\n    to see the current workload for the user.\n\n7.  Repeat this process for all participants to be added to the exam by clicking **Add Participant** below the participant’s name.\n\n    \n\n    **Note:** You can return to this page and add participants at any time before the SA is closed. However, selecting all the necessary participants at once allows you to proceed more smoothly through the workflows.\n\n8.  Click **Add Participants",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_adHoc\\topics\\t_agency_SA_participantsAdding.md",
      "relative_path": "maps\\SES\\chapter\\SA_adHoc\\topics\\t_agency_SA_participantsAdding.md",
      "headings": [
        "Adding Agency Participants to a Supervisory Activity {#t_agency_SA_assign_addingParticipants .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_adHoc/topics/t_agency_SA_participantsAdding.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_adHoc/topics/t_agency_SA_participantsAdding.md:chunk-1",
      "title": "Adding Agency Participants to a Supervisory Activity {#t_agency_SA_assign_addingParticipants .task}",
      "content": "add participants at any time before the SA is closed. However, selecting all the necessary participants at once allows you to proceed more smoothly through the workflows.\n\n8.  Click **Add Participants** in the bottom right.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_adHoc\\topics\\t_agency_SA_participantsAdding.md",
      "relative_path": "maps\\SES\\chapter\\SA_adHoc\\topics\\t_agency_SA_participantsAdding.md",
      "headings": [
        "Adding Agency Participants to a Supervisory Activity {#t_agency_SA_assign_addingParticipants .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_adHoc/topics/t_agency_SA_participantsAdding.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_adHoc/topics/t_agency_SA_participants_reassigEIC.md:chunk-0",
      "title": "Reassigning the EIC on a Supervisory Activity {#t_agency_SA_assign_reassigningTheEic .task}",
      "content": "# Reassigning the EIC on a Supervisory Activity \n\nYou can change the Examiner in Charge assignment on a Supervisory Activity any time up until the SA is Closed.\n\n**Note:** Only the Examiner in Charge or staff user from the lead agency assigned as a participant on an SA can add or remove participants on a single-state SA. On a multi-state SA, all active participants on the SA can add or remove participants from their agency before the SA is closed and locked.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Participants**.\n\n    \n\n3.  Click **Reassign EIC** in the top right.\n\n    \n\n4.  Indicate whether the current EIC should remain an active participant on the SA.\n\n    1.  If **Yes**, select his or her **New Role**.\n\n        \n\n        \n\n    2.  Otherwise, select **No**.\n\n5.  Select who you would like to assign as the **New EIC**.\n\n    1.  If the New EIC is an existing participant, select the desired user from the **Existing Participant** dropdown menu.\n\n        \n\n    2.  If the New EIC is a new agency user, type in and select the desired **Agency User**.\n\n        \n\n    **Note:** When adding an Examiner in Charge or other participants, if a calendar icon appears, it means that user is actively participating on other SAs. Click the **calendar icon**\n\n    \n\n    to see the current workload for the user.\n\n6.  Click **Reassign EIC** in the bottom right.\n\n    \n\n**Parent topic:**Managing Agency Supervisory Activity Participants",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_adHoc\\topics\\t_agency_SA_participants_reassigEIC.md",
      "relative_path": "maps\\SES\\chapter\\SA_adHoc\\topics\\t_agency_SA_participants_reassigEIC.md",
      "headings": [
        "Reassigning the EIC on a Supervisory Activity {#t_agency_SA_assign_reassigningTheEic .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_adHoc/topics/t_agency_SA_participants_reassigEIC.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_adHoc/topics/t_agency_SA_participants_updatingRemoving-1.md:chunk-0",
      "title": "Updating Agency SA Participant Roles or Removing Participants {#t_agency_SA_assign_updatingParticipantRolesOrRemovingParticipants .task}",
      "content": "# Updating Agency SA Participant Roles or Removing Participants \n\nParticipant roles on a Supervisory Activity can be updated, or a participant removed from the SA at any time until the exam is Closed.\n\n**Note:** Only the Examiner in Charge or staff user from the lead agency assigned as a participant on an SA can add or remove participants on a single-state SA. On a multi-state SA, all active participants on the SA can add or remove participants from their agency before the SA is closed and locked.\n\n|SES User Role|Can add participants for own state|Can update or remove participants for own state|Can add, update, or remove participants from other states|\n|-------------|----------------------------------|-----------------------------------------------|---------------------------------------------------------|\n|EIC|Yes|Yes|Yes|\n|Staff User from lead agency|Yes|Yes|Yes|\n|Staff user NOT from lead agency, NOT a participant on exam|No|No|No|\n|Participants from lead agency Lead, NOT EIC or Staff User|Yes|Yes|No|\n|Participants NOT from Lead agency, NOT EIC, NOT having Staff User Role|Yes|Yes|No|\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Participants**.\n\n    \n\n3.  Click the **View Details** icon.\n\n    \n\n4.  Click **Update Participant Role** or **Remove Participant**.\n\n    \n\n**Parent topic:**Managing Agency Supervisory Activity Participants",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_adHoc\\topics\\t_agency_SA_participants_updatingRemoving-1.md",
      "relative_path": "maps\\SES\\chapter\\SA_adHoc\\topics\\t_agency_SA_participants_updatingRemoving-1.md",
      "headings": [
        "Updating Agency SA Participant Roles or Removing Participants {#t_agency_SA_assign_updatingParticipantRolesOrRemovingParticipants .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_adHoc/topics/t_agency_SA_participants_updatingRemoving-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_adHoc/topics/t_agency_SA_participants_updatingRemoving.md:chunk-0",
      "title": "Updating Agency SA Participant Roles or Removing Participants {#t_agency_SA_assign_updatingParticipantRolesOrRemovingParticipants .task}",
      "content": "# Updating Agency SA Participant Roles or Removing Participants \n\nParticipant roles on a Supervisory Activity can be updated, or a participant removed from the SA at any time until the exam is Closed.\n\n**Note:** Only the Examiner in Charge or staff user from the lead agency assigned as a participant on an SA can add or remove participants on a single-state SA. On a multi-state SA, all active participants on the SA can add or remove participants from their agency before the SA is closed and locked.\n\n|SES User Role|Can add participants for own state|Can update or remove participants for own state|Can add, update, or remove participants from other states|\n|-------------|----------------------------------|-----------------------------------------------|---------------------------------------------------------|\n|EIC|Yes|Yes|Yes|\n|Staff User from lead agency|Yes|Yes|Yes|\n|Staff user NOT from lead agency, NOT a participant on exam|No|No|No|\n|Participants from lead agency Lead, NOT EIC or Staff User|Yes|Yes|No|\n|Participants NOT from Lead agency, NOT EIC, NOT having Staff User Role|Yes|Yes|No|\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Participants**.\n\n    \n\n3.  Click the **View Details** icon.\n\n    \n\n4.  Click **Update Participant Role** or **Remove Participant**.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_adHoc\\topics\\t_agency_SA_participants_updatingRemoving.md",
      "relative_path": "maps\\SES\\chapter\\SA_adHoc\\topics\\t_agency_SA_participants_updatingRemoving.md",
      "headings": [
        "Updating Agency SA Participant Roles or Removing Participants {#t_agency_SA_assign_updatingParticipantRolesOrRemovingParticipants .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_adHoc/topics/t_agency_SA_participants_updatingRemoving.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_adHoc/topics/t_agency_SA_viewingExternalSupervisoryDocs.md:chunk-0",
      "title": "Viewing External Supervisory Documents on a Company Record {#xd_3daaf0d126289c2f-936c3ba-1866aa53950--7fef .task}",
      "content": "# Viewing External Supervisory Documents on a Company Record \n\nYou can view documents added to a company's record by CSBS Support Staff if the company is licensed by your agency.\n\n1.  When viewing a record for a company licensed by your agency, click the **External Supervisory Docs** tab.\n\n    \n\n2.  Click the **View Details** icon for the desired external supervisory document.\n\n    \n\n3.  Click **View Documents** to trigger the External Supervisory Documents Attestation.\n\n    \n\n4.  Select the **Attest** checkbox to acknowledge the External Supervisory Documents Attestation.\n\n    \n\n5.  Click **View Documents** again.\n\n    You can now preview and download the external supervisory documents.\n\n    \n\n**Parent topic:**External Supervisory Documents on a Company Record",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_adHoc\\topics\\t_agency_SA_viewingExternalSupervisoryDocs.md",
      "relative_path": "maps\\SES\\chapter\\SA_adHoc\\topics\\t_agency_SA_viewingExternalSupervisoryDocs.md",
      "headings": [
        "Viewing External Supervisory Documents on a Company Record {#xd_3daaf0d126289c2f-936c3ba-1866aa53950--7fef .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_adHoc/topics/t_agency_SA_viewingExternalSupervisoryDocs.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_adHoc/topics/t_company_SA_participants_adding.md:chunk-0",
      "title": "Adding Company Participants to a Supervisory Activity {#t_company_SA_participants_adding .task}",
      "content": "# Adding Company Participants to a Supervisory Activity \n\nCompany participants on a Supervisory Activity can be added at any time until the Examination or Investigation is Closed.\n\n**Note:** Only the company lead can manage participants on a Supervisory Activity\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Participants**.\n\n    \n\n3.  Click **Add Participants**.\n\n    \n\n4.  Type in and select the desired user’s **Name**.\n\n    **Note:** Only users with an SES account are available for selection. If you do not see the desired person, contact your account administrator.\n\n5.  Select the desired **Role** for the user.\n\n    \n\n    **Note:** On a multi-state SA, you must designate one participant from your agency as the Team Lead. This designation does not grant the user any additional permissions, but it does provide a Team Lead indicator to other participating agencies and the company being examined.\n\n    \n\n    \n\n    **Note:** When adding an Examiner in Charge or other participants, if a calendar icon appears, it means that user is actively participating on other SAs. Click the **calendar icon**\n\n    \n\n    to see the current workload for the user.\n\n6.  Repeat this process for all participants to be added to the exam by clicking **Add Participant** below the participant’s name.\n\n    \n\n    **Note:** You can return to this page and add participants at any time before the SA is closed. However, selecting all the necessary participants at once allows you to proceed more smoothly through the workflows.\n\n7.  Click **Add Participants** in the bottom right.\n\n    \n\n**Parent topic:**Managing Company Supervisory Activity Participants",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_adHoc\\topics\\t_company_SA_participants_adding.md",
      "relative_path": "maps\\SES\\chapter\\SA_adHoc\\topics\\t_company_SA_participants_adding.md",
      "headings": [
        "Adding Company Participants to a Supervisory Activity {#t_company_SA_participants_adding .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_adHoc/topics/t_company_SA_participants_adding.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_adHoc/topics/t_company_SA_participants_reassignLead.md:chunk-0",
      "title": "Reassigning the Company Lead on a Supervisory Activity {#t_company_SA_participants_reassignLead .task}",
      "content": "# Reassigning the Company Lead on a Supervisory Activity \n\nThe Company Lead on a Supervisory Activity can be reassigned at any time until the Examination or Investigation is Closed.\n\n**Note:** The SES supervisory activity contact, account administrator, or existing company lead can reassign the company lead.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Participants**.\n\n    \n\n3.  Click **Reassign Company Lead**.\n\n    \n\n4.  Choose whether the company lead, or you \\(if you are the current company lead\\), should remain an active participant on the SA.\n\n    \n\n    1.  If **Yes**, select the **New Role**.\n\n        \n\n    2.  Otherwise, select **No**.\n\n5.  Select if you would like to assign **an existing participant** or a **new company user** as the company lead.\n\n    \n\n    **Note:** The role of company lead can only be held by those users who hold the leader role in the system. Refer to the SES Company User Roles Matrix article for more information.\n\n    1.  If you chose **An existing participant**, select the desired user from the **Existing Participant** list.\n\n        \n\n    2.  If you chose **A new company user**, select the desired user from the **Company User** list.\n\n        \n\n6.  Click **Reassign Company Lead** in the bottom right.\n\n    \n\n**Parent topic:**Managing Company Supervisory Activity Participants",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_adHoc\\topics\\t_company_SA_participants_reassignLead.md",
      "relative_path": "maps\\SES\\chapter\\SA_adHoc\\topics\\t_company_SA_participants_reassignLead.md",
      "headings": [
        "Reassigning the Company Lead on a Supervisory Activity {#t_company_SA_participants_reassignLead .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_adHoc/topics/t_company_SA_participants_reassignLead.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_adHoc/topics/t_company_SA_participants_updateRemove.md:chunk-0",
      "title": "Updating Company SA Participant Roles or Removing Participants {#t_company_SA_participants_updateRemove .task}",
      "content": "# Updating Company SA Participant Roles or Removing Participants \n\nCompany participants on a Supervisory Activity can be updated or removed at any time until the Examination or Investigation is Closed.\n\n**Note:** Only the company lead can manage participants on a Supervisory Activity\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Participants**.\n\n    \n\n3.  Click the **View Details** icon.\n\n    \n\n4.  Click **Update Participant Role** or **Remove Participant**.\n\n    \n\n**Parent topic:**Managing Company Supervisory Activity Participants",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_adHoc\\topics\\t_company_SA_participants_updateRemove.md",
      "relative_path": "maps\\SES\\chapter\\SA_adHoc\\topics\\t_company_SA_participants_updateRemove.md",
      "headings": [
        "Updating Company SA Participant Roles or Removing Participants {#t_company_SA_participants_updateRemove .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_adHoc/topics/t_company_SA_participants_updateRemove.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_multiState/topics/c_SA_MSE_accepting-1.md:chunk-0",
      "title": "Accepting a Supervisory Activity {#c_acceptingASupervisoryActivity .concept}",
      "content": "# Accepting a Supervisory Activity \n\nSupervisory Activity acceptance is a system workflow that allows agencies to accept another agency’s SA in their completed Examination. This functionality supports the objectives of networked supervision \\(Multi-state Examinations\\) by giving state agencies another tool to collaborate and leverage the work of other agencies.\n\nIf another agency has examined a company you are preparing to examine, you have the option to accepting those exam findings as your own, thus freeing your resources for other examination work.\n\nTo leverage or accept another agency’s SA:\n\n-   The SA must have not reached the six-year retention period\n-   The SA must be used for an exam, not an investigation\n-   The leveraging or accepting agency cannot be a participating agency on the original SA\n-   The Examiner in Charge as well as the Staff Director or User who initiates the leveraged SA, must have access to the other agency's SA before it can be leveraged.\n\n**Note:** Only staff directors or staff users can choose to accept another agency’s SA.\n\nIt is each agency’s responsibility to determine whether it is appropriate to accept or leverage another agency’s SA. Each agency should develop policies and procedures that govern the use of these features.\n\n1.  Starting the SA Acceptance Workflow  \nWhen another agency performs an examination of a company, you can accept the results of that examination in lieu of performing your own exam on the same company.\n2.  Reviewing the SA Acceptance as the EIC  \nYour agency can accept another agency's examination as your own. Once you are granted access, your agency reviews the SA to determine whether to accept or reject the SA, or send it for additional review by staff directors with access to the SA in your agency.\n\n**Parent topic:**Networked Supervision\n\n**Related information**  \n\nCommunicating with Other Agencies\n\nMore about Summary Level View vs Detail Level Access for a Supervisory Activity\n\nRequesting Access to a Supe",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_multiState\\topics\\c_SA_MSE_accepting-1.md",
      "relative_path": "maps\\SES\\chapter\\SA_multiState\\topics\\c_SA_MSE_accepting-1.md",
      "headings": [
        "Accepting a Supervisory Activity {#c_acceptingASupervisoryActivity .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_multiState/topics/c_SA_MSE_accepting-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_multiState/topics/c_SA_MSE_accepting-1.md:chunk-1",
      "title": "Accepting a Supervisory Activity {#c_acceptingASupervisoryActivity .concept}",
      "content": "opic:**Networked Supervision\n\n**Related information**  \n\nCommunicating with Other Agencies\n\nMore about Summary Level View vs Detail Level Access for a Supervisory Activity\n\nRequesting Access to a Supervisory Activity\n\nResponding to a Request to Access a Supervisory Activity\n\nInvitations to Join a Supervisory Activity\n\nJoining a Supervisory Activity\n\nResponding to a Request to Join a Supervisory Activity\n\nLeveraging Another Agency's Supervisory Activity\n\nModifying the Lead Agency in a Multi-state SA\n\nSA Records Created by CSBS Support Staff\n\nTaking Action on Your Exam Scheduling \"To Do\" List\n\nMaking and Confirming Decisions\n\nUsing Exam Scheduling",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_multiState\\topics\\c_SA_MSE_accepting-1.md",
      "relative_path": "maps\\SES\\chapter\\SA_multiState\\topics\\c_SA_MSE_accepting-1.md",
      "headings": [
        "Accepting a Supervisory Activity {#c_acceptingASupervisoryActivity .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_multiState/topics/c_SA_MSE_accepting-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_multiState/topics/c_SA_MSE_accepting.md:chunk-0",
      "title": "Accepting a Supervisory Activity {#c_acceptingASupervisoryActivity .concept}",
      "content": "# Accepting a Supervisory Activity \n\nSupervisory Activity acceptance is a system workflow that allows agencies to accept another agency’s SA in their completed Examination. This functionality supports the objectives of networked supervision \\(Multi-state Examinations\\) by giving state agencies another tool to collaborate and leverage the work of other agencies.\n\nIf another agency has examined a company you are preparing to examine, you have the option to accepting those exam findings as your own, thus freeing your resources for other examination work.\n\nTo leverage or accept another agency’s SA:\n\n-   The SA must have not reached the six-year retention period\n-   The SA must be used for an exam, not an investigation\n-   The leveraging or accepting agency cannot be a participating agency on the original SA\n-   The Examiner in Charge as well as the Staff Director or User who initiates the leveraged SA, must have access to the other agency's SA before it can be leveraged.\n\n**Note:** Only staff directors or staff users can choose to accept another agency’s SA.\n\nIt is each agency’s responsibility to determine whether it is appropriate to accept or leverage another agency’s SA. Each agency should develop policies and procedures that govern the use of these features.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_multiState\\topics\\c_SA_MSE_accepting.md",
      "relative_path": "maps\\SES\\chapter\\SA_multiState\\topics\\c_SA_MSE_accepting.md",
      "headings": [
        "Accepting a Supervisory Activity {#c_acceptingASupervisoryActivity .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_multiState/topics/c_SA_MSE_accepting.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_multiState/topics/c_agency_SA_MSE_accessReq_Responding.md:chunk-0",
      "title": "Responding to a Request to Access a Supervisory Activity {#c_responding_SA_Access_Req .concept}",
      "content": "# Responding to a Request to Access a Supervisory Activity \n\nThe Staff Director or User can view and manage any Supervisory Activity access requests from the homepage. Allowing another agency to access supervisory activities conducted by your agency allows information about companies under supervision to be shared.\n\nAnother state agency may leverage your closed supervisory acitivity as part of their own examination of a company, or accept your supervisory activity in lieu of performing their own. For another state to leverage your closed SA, or accept your SA, that state must be granted detail level access to your SA.\n\n-   **Managing SA Access Request Auto Approvals**  \nStaff directors can choose the agencies that are automatically approved for detail level access to supervisory activities \\(SAs\\) when an access request is sent.\n-   **Responding to an SA Access Request Using the Home Page Widget**  \nAllowing another agency to access supervisory activities completed by your agency allows information about companies under supervision to be shared. To leverage or accept a Supervisory Activity conducted by your agency, another agency must first have access to the SA.\n-   **Responding to an SA Access Request Using the Access Request Report**  \nAllowing another agency to access supervisory activities completed by your agency allows information about companies under supervision to be shared. To leverage or accept a Supervisory Activity conducted by your agency, another agency must first have access to the SA.\n-   **Removing an Approved Supervisory Activity Access Request**  \nThe Staff Director or User can remove a previously approved request from another agency to access a Supervisory Activity.\n\n**Parent topic:**Networked Supervision\n\n**Related information**  \n\nCommunicating with Other Agencies\n\nMore about Summary Level View vs Detail Level Access for a Supervisory Activity\n\nRequesting Access to a Supervisory Activity\n\nInvitations to Join a Supervisory Activity\n\nJoining a ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_multiState\\topics\\c_agency_SA_MSE_accessReq_Responding.md",
      "relative_path": "maps\\SES\\chapter\\SA_multiState\\topics\\c_agency_SA_MSE_accessReq_Responding.md",
      "headings": [
        "Responding to a Request to Access a Supervisory Activity {#c_responding_SA_Access_Req .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_multiState/topics/c_agency_SA_MSE_accessReq_Responding.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_multiState/topics/c_agency_SA_MSE_accessReq_Responding.md:chunk-1",
      "title": "Responding to a Request to Access a Supervisory Activity {#c_responding_SA_Access_Req .concept}",
      "content": "ith Other Agencies\n\nMore about Summary Level View vs Detail Level Access for a Supervisory Activity\n\nRequesting Access to a Supervisory Activity\n\nInvitations to Join a Supervisory Activity\n\nJoining a Supervisory Activity\n\nResponding to a Request to Join a Supervisory Activity\n\nAccepting a Supervisory Activity\n\nLeveraging Another Agency's Supervisory Activity\n\nModifying the Lead Agency in a Multi-state SA\n\nSA Records Created by CSBS Support Staff\n\nUsing Exam Scheduling",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_multiState\\topics\\c_agency_SA_MSE_accessReq_Responding.md",
      "relative_path": "maps\\SES\\chapter\\SA_multiState\\topics\\c_agency_SA_MSE_accessReq_Responding.md",
      "headings": [
        "Responding to a Request to Access a Supervisory Activity {#c_responding_SA_Access_Req .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_multiState/topics/c_agency_SA_MSE_accessReq_Responding.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_multiState/topics/c_agency_SA_MSE_joiningSA.md:chunk-0",
      "title": "Joining a Supervisory Activity {#c_agency_SA_MSE_joiningSA .concept}",
      "content": "# Joining a Supervisory Activity \n\nJoining another agency's supervisory activity allows you to participate in the process of examining a company. This reduces the regulatory burden on companies and duplication of effort within state agencies that regulate the same company.\n\n-   **Joining a Supervisory Activity from the Home Page**  \nWhen multiple agencies come together to conduct an SA on a company, it is called a multi-state SA. States are encouraged to partner-up on SAs to reduce the number of exams companies have to go through.\n-   **Joining a Supervisory Activity from the Exam Scheduling Tool**  \nAfter creating a To Do list on the Exam Scheduling page, use this task to join SAs on your list.\n\n**Parent topic:**Networked Supervision\n\n**Related information**  \n\nCommunicating with Other Agencies\n\nMore about Summary Level View vs Detail Level Access for a Supervisory Activity\n\nRequesting Access to a Supervisory Activity\n\nResponding to a Request to Access a Supervisory Activity\n\nInvitations to Join a Supervisory Activity\n\nResponding to a Request to Join a Supervisory Activity\n\nAccepting a Supervisory Activity\n\nLeveraging Another Agency's Supervisory Activity\n\nModifying the Lead Agency in a Multi-state SA\n\nSA Records Created by CSBS Support Staff\n\nTaking Action on Your Exam Scheduling \"To Do\" List\n\nMaking and Confirming Decisions\n\nViewing an Agency's Record",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_multiState\\topics\\c_agency_SA_MSE_joiningSA.md",
      "relative_path": "maps\\SES\\chapter\\SA_multiState\\topics\\c_agency_SA_MSE_joiningSA.md",
      "headings": [
        "Joining a Supervisory Activity {#c_agency_SA_MSE_joiningSA .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_multiState/topics/c_agency_SA_MSE_joiningSA.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_multiState/topics/c_agency_SA_MSE_leveraging-1.md:chunk-0",
      "title": "Leveraging Another Agency's Supervisory Activity {#c_agency_SA_MSE_leveraging .concept}",
      "content": "# Leveraging Another Agency's Supervisory Activity \n\nLeveraging another agency's Supervisory Activity allows your agency to include that SA in your examination.\n\nLeveraging an exam allows agencies to save time and effort. This functionality supports the objectives of networked supervision by giving state agencies another tool with which to collaborate by using the work of other agencies.\n\nTo leverage or accept another agency’s SA:\n\n-   The SA must have not reached the six-year retention period\n-   The SA must be used for an exam, not an investigation\n-   The leveraging or accepting agency cannot be a participating agency on the original SA\n-   The Examiner in Charge as well as the Staff Director or User who initiates the leveraged SA, must have access to the other agency's SA before it can be leveraged.\n\n**Note:** Only staff directors or staff users can choose to leverage another agency’s SA. However, an examiner in charger \\(EIC\\) can propose an SA to be leveraged and send to a staff director or staff user for review.\n\nYou can leverage an SA at any time as long as you have been granted access to the SA.\n\nIt is each agency’s responsibility to determine whether it is appropriate to accept or leverage another agency’s SA. Each agency should develop policies and procedures that govern the use of these features.\n\nIf you are conducting an investigation, you cannot leverage an SA.\n\nYou cannot leverage another leveraged exam.\n\n-   **Initiating a Leveraged SA from the Home Page**  \nIf you are Leveraging an exam, you can do so from the Exam Scheduling Page or the Home page.\n-   **Initiating a Leveraged SA from the Exam Scheduling Page**  \nIf you are Leveraging an exam, you can do so from the Exam Scheduling Page or the Home page.\n-   **Bypassing the Report for a Leveraged SA**  \nYou can skip over the report for a leveraged SA.\n\n**Parent topic:**Networked Supervision\n\n**Related information**  \n\nCommunicating with Other Agencies\n\nMore about Summary Level View vs Detail Level A",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_multiState\\topics\\c_agency_SA_MSE_leveraging-1.md",
      "relative_path": "maps\\SES\\chapter\\SA_multiState\\topics\\c_agency_SA_MSE_leveraging-1.md",
      "headings": [
        "Leveraging Another Agency's Supervisory Activity {#c_agency_SA_MSE_leveraging .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_multiState/topics/c_agency_SA_MSE_leveraging-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_multiState/topics/c_agency_SA_MSE_leveraging-1.md:chunk-1",
      "title": "Leveraging Another Agency's Supervisory Activity {#c_agency_SA_MSE_leveraging .concept}",
      "content": "\nYou can skip over the report for a leveraged SA.\n\n**Parent topic:**Networked Supervision\n\n**Related information**  \n\nCommunicating with Other Agencies\n\nMore about Summary Level View vs Detail Level Access for a Supervisory Activity\n\nRequesting Access to a Supervisory Activity\n\nResponding to a Request to Access a Supervisory Activity\n\nInvitations to Join a Supervisory Activity\n\nJoining a Supervisory Activity\n\nResponding to a Request to Join a Supervisory Activity\n\nAccepting a Supervisory Activity\n\nModifying the Lead Agency in a Multi-state SA\n\nSA Records Created by CSBS Support Staff\n\nTaking Action on Your Exam Scheduling \"To Do\" List\n\nMaking and Confirming Decisions\n\nUsing Exam Scheduling",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_multiState\\topics\\c_agency_SA_MSE_leveraging-1.md",
      "relative_path": "maps\\SES\\chapter\\SA_multiState\\topics\\c_agency_SA_MSE_leveraging-1.md",
      "headings": [
        "Leveraging Another Agency's Supervisory Activity {#c_agency_SA_MSE_leveraging .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_multiState/topics/c_agency_SA_MSE_leveraging-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_multiState/topics/c_agency_SA_MSE_leveraging.md:chunk-0",
      "title": "Leveraging Another Agency's Supervisory Activity {#c_agency_SA_MSE_leveraging .concept}",
      "content": "# Leveraging Another Agency's Supervisory Activity \n\nLeveraging another agency's Supervisory Activity allows your agency to include that SA in your examination.\n\nLeveraging an exam allows agencies to save time and effort. This functionality supports the objectives of networked supervision by giving state agencies another tool with which to collaborate by using the work of other agencies.\n\nTo leverage or accept another agency’s SA:\n\n-   The SA must have not reached the six-year retention period\n-   The SA must be used for an exam, not an investigation\n-   The leveraging or accepting agency cannot be a participating agency on the original SA\n-   The Examiner in Charge as well as the Staff Director or User who initiates the leveraged SA, must have access to the other agency's SA before it can be leveraged.\n\n**Note:** Only staff directors or staff users can choose to leverage another agency’s SA. However, an examiner in charger \\(EIC\\) can propose an SA to be leveraged and send to a staff director or staff user for review.\n\nYou can leverage an SA at any time as long as you have been granted access to the SA.\n\nIt is each agency’s responsibility to determine whether it is appropriate to accept or leverage another agency’s SA. Each agency should develop policies and procedures that govern the use of these features.\n\nIf you are conducting an investigation, you cannot leverage an SA.\n\nYou cannot leverage another leveraged exam.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_multiState\\topics\\c_agency_SA_MSE_leveraging.md",
      "relative_path": "maps\\SES\\chapter\\SA_multiState\\topics\\c_agency_SA_MSE_leveraging.md",
      "headings": [
        "Leveraging Another Agency's Supervisory Activity {#c_agency_SA_MSE_leveraging .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_multiState/topics/c_agency_SA_MSE_leveraging.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_multiState/topics/c_agency_SA_MSE_shellExams-1.md:chunk-0",
      "title": "SA Records Created by CSBS Support Staff {#xd_3daaf0d126289c2f-936c3ba-1866aa53950--7ff7 .concept}",
      "content": "# SA Records Created by CSBS Support Staff \n\nCSBS support staff can create Multi-state Mortgage Committee \\(MMC\\) shell exams on behalf of agencies.\n\nCSBS support staff can create SA records in SES for multistate examinations. This helps groups like the Multi-state Mortgage Committee \\(MMC\\) with exam coordination. CSBS Support Staff can add basic SA fields, enter a lead agency, and give the SA a designation \\(e.g., MMC or One Company One Exam \\(OCOE\\)\\). It also enables agencies to see the MMC exam schedule sooner through SES and provide agencies with an ipportunity to join in those scheduled exams.\n\nCSBS support staff must identify the following items during SA creation:\n\n-   Target Start Date\n-   Scope Type\n-   Business Types\n-   Lead Agency\n-   SA Designation\n\n    **Note:** The SA designation indicates what type of multi-state exam the SA is \\(e.g., MMC or OCOE\\).\n\nWhen an SA is created by CSBS Support Staff, the normal review workflow for an SA is not available, and no documents can be uploaded during the initiation of the SA.\n\nOnce an SA is initiated by CSBS Support Staff, a new supervisory activity record is created. A notification is sent to all staff directors and staff users at the lead agency. CSBS Support Staff can update the exam details before the lead agency assigns the EIC. Once the lead agency assigns an EIC, CSBS Support Staff can no longer make changes.\n\n**Note:** All CSBS support staff maintain detail-level access to the exam record.\n\nStaff directors from the lead agency identified in the shell exam can update the basic details of the exam. See Updating SA Records Created by CSBS Support Staff for more information. Only Staff users can assign or reassign the EIC and participants. See Adding Agency Participants to a Supervisory Activity for more information.\n\nOnce the EIC is assigned, the exam follows the same behavior as an exam created by an agency, and a notificaion is sent to the assigned EIC about the SA.\n\n-   **Updating SA Records Created by",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_multiState\\topics\\c_agency_SA_MSE_shellExams-1.md",
      "relative_path": "maps\\SES\\chapter\\SA_multiState\\topics\\c_agency_SA_MSE_shellExams-1.md",
      "headings": [
        "SA Records Created by CSBS Support Staff {#xd_3daaf0d126289c2f-936c3ba-1866aa53950--7ff7 .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_multiState/topics/c_agency_SA_MSE_shellExams-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_multiState/topics/c_agency_SA_MSE_shellExams-1.md:chunk-1",
      "title": "SA Records Created by CSBS Support Staff {#xd_3daaf0d126289c2f-936c3ba-1866aa53950--7ff7 .concept}",
      "content": "mation.\n\nOnce the EIC is assigned, the exam follows the same behavior as an exam created by an agency, and a notificaion is sent to the assigned EIC about the SA.\n\n-   **Updating SA Records Created by CSBS Support Staff**  \nAgencies can update the basic details of supervisory activity \\(SA\\) records created by CSBS support staff.\n\n**Parent topic:**Networked Supervision\n\n**Related information**  \n\nCommunicating with Other Agencies\n\nMore about Summary Level View vs Detail Level Access for a Supervisory Activity\n\nRequesting Access to a Supervisory Activity\n\nResponding to a Request to Access a Supervisory Activity\n\nInvitations to Join a Supervisory Activity\n\nJoining a Supervisory Activity\n\nResponding to a Request to Join a Supervisory Activity\n\nAccepting a Supervisory Activity\n\nLeveraging Another Agency's Supervisory Activity\n\nModifying the Lead Agency in a Multi-state SA",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_multiState\\topics\\c_agency_SA_MSE_shellExams-1.md",
      "relative_path": "maps\\SES\\chapter\\SA_multiState\\topics\\c_agency_SA_MSE_shellExams-1.md",
      "headings": [
        "SA Records Created by CSBS Support Staff {#xd_3daaf0d126289c2f-936c3ba-1866aa53950--7ff7 .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_multiState/topics/c_agency_SA_MSE_shellExams-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_multiState/topics/c_agency_SA_MSE_shellExams.md:chunk-0",
      "title": "SA Records Created by CSBS Support Staff {#xd_3daaf0d126289c2f-936c3ba-1866aa53950--7ff7 .concept}",
      "content": "# SA Records Created by CSBS Support Staff \n\nCSBS support staff can create Multi-state Mortgage Committee \\(MMC\\) shell exams on behalf of agencies.\n\nCSBS support staff can create SA records in SES for multistate examinations. This helps groups like the Multi-state Mortgage Committee \\(MMC\\) with exam coordination. CSBS Support Staff can add basic SA fields, enter a lead agency, and give the SA a designation \\(e.g., MMC or One Company One Exam \\(OCOE\\)\\). It also enables agencies to see the MMC exam schedule sooner through SES and provide agencies with an ipportunity to join in those scheduled exams.\n\nCSBS support staff must identify the following items during SA creation:\n\n-   Target Start Date\n-   Scope Type\n-   Business Types\n-   Lead Agency\n-   SA Designation\n\n    **Note:** The SA designation indicates what type of multi-state exam the SA is \\(e.g., MMC or OCOE\\).\n\nWhen an SA is created by CSBS Support Staff, the normal review workflow for an SA is not available, and no documents can be uploaded during the initiation of the SA.\n\nOnce an SA is initiated by CSBS Support Staff, a new supervisory activity record is created. A notification is sent to all staff directors and staff users at the lead agency. CSBS Support Staff can update the exam details before the lead agency assigns the EIC. Once the lead agency assigns an EIC, CSBS Support Staff can no longer make changes.\n\n**Note:** All CSBS support staff maintain detail-level access to the exam record.\n\nStaff directors from the lead agency identified in the shell exam can update the basic details of the exam. See Updating SA Records Created by CSBS Support Staff for more information. Only Staff users can assign or reassign the EIC and participants. See Adding Agency Participants to a Supervisory Activity for more information.\n\nOnce the EIC is assigned, the exam follows the same behavior as an exam created by an agency, and a notificaion is sent to the assigned EIC about the SA.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_multiState\\topics\\c_agency_SA_MSE_shellExams.md",
      "relative_path": "maps\\SES\\chapter\\SA_multiState\\topics\\c_agency_SA_MSE_shellExams.md",
      "headings": [
        "SA Records Created by CSBS Support Staff {#xd_3daaf0d126289c2f-936c3ba-1866aa53950--7ff7 .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_multiState/topics/c_agency_SA_MSE_shellExams.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_multiState/topics/c_agency_SA_MSE_summaryViewVsDetailLevelAccess-1.md:chunk-0",
      "title": "More about Summary Level View vs Detail Level Access for a Supervisory Activity {#xd_1ab8b1d930f5fc99-50fd08ba-188f2b7a636--7ffd .concept}",
      "content": "# More about Summary Level View vs Detail Level Access for a Supervisory Activity \n\nDepending on the level of access granted within the system, agencies can see different information about a supervisory activity.\n\n## Summary Level View of a Supervisory Activity \n\nAll agency users with a supervisory activity related system role are automatically granted a summary level view of all supervisory activities in SES. See SES Agency System Roles & Consumer Complaints Roles for more information.\n\nSummary level view information only includes the Summary and Access and Usage tabs.\n\nDepending on your role, you can request detail level access to another agency’s supervisory activity. See Requesting Access to a Supervisory Activity for more information.\n\n## Detail Level Access to Another Agency's Supervisory Activity \n\nOnce you are granted access to another agency’s supervisory activity, you can see more details.\n\nDepending on the milestone the supervisory activity has reached, it is possible for you to see the information within the following tabs:\n\n-   Summary\n-   Details\n-   Access and Usage\n-   Participants\n-   Scope\n-   Plan\n-   Information Requests \\(including documents sent by the company\\)\n-   Loan Requests\n-   Examination\n-   Report\n-   MRA\n-   Interactions\n-   Time & Expenses\n-   Close Out\n\n## A Note about Related Actions and Roles \n\nThere are some intricacies about the information available to you and the related actions you can take that are dependent on whether your agency has been granted access to a supervisory activity. See the table below.\n\n|Related Action|Granted Access to SA|Without Access to SA|\n|--------------|:------------------:|:------------------:|\n|View Agency Record|X|X|\n|View Supervisory Activities on an Agency Record \\(for which Agency is a Participant\\)|X|X|\n|View Company Record|X|X|\n|View Company User Record and SAs on a Company User Record|X|X|\n|View Summary Level Supervisory Activities|X|X|\n|View Detailed Supervisory Activities|X| |\n|Export Proced",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_multiState\\topics\\c_agency_SA_MSE_summaryViewVsDetailLevelAccess-1.md",
      "relative_path": "maps\\SES\\chapter\\SA_multiState\\topics\\c_agency_SA_MSE_summaryViewVsDetailLevelAccess-1.md",
      "headings": [
        "More about Summary Level View vs Detail Level Access for a Supervisory Activity {#xd_1ab8b1d930f5fc99-50fd08ba-188f2b7a636--7ffd .concept}",
        "Summary Level View of a Supervisory Activity {#section_v4b_d3w_yxb .section}",
        "Detail Level Access to Another Agency's Supervisory Activity {#section_el1_g3w_yxb .section}",
        "A Note about Related Actions and Roles {#section_mld_k3w_yxb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_multiState/topics/c_agency_SA_MSE_summaryViewVsDetailLevelAccess-1.html",
      "snippet": null
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    {
      "id": "maps/SES/chapter/SA_multiState/topics/c_agency_SA_MSE_summaryViewVsDetailLevelAccess-1.md:chunk-1",
      "title": "More about Summary Level View vs Detail Level Access for a Supervisory Activity {#xd_1ab8b1d930f5fc99-50fd08ba-188f2b7a636--7ffd .concept}",
      "content": "X|X|\n|View Company Record|X|X|\n|View Company User Record and SAs on a Company User Record|X|X|\n|View Summary Level Supervisory Activities|X|X|\n|View Detailed Supervisory Activities|X| |\n|Export Procedures|X| |\n|View Final Version of Report|X| |\n|View Company Response to Report|X| |\n\nOne other thing to note is that once you are assigned as a participant on a supervisory activity, the related actions and information available to you change depending on your role. See SES Agency System Roles & Consumer Complaints Roles for more information.\n\n**Parent topic:**Networked Supervision\n\n**Related information**  \n\nCommunicating with Other Agencies\n\nRequesting Access to a Supervisory Activity\n\nResponding to a Request to Access a Supervisory Activity\n\nInvitations to Join a Supervisory Activity\n\nJoining a Supervisory Activity\n\nResponding to a Request to Join a Supervisory Activity\n\nAccepting a Supervisory Activity\n\nLeveraging Another Agency's Supervisory Activity\n\nModifying the Lead Agency in a Multi-state SA\n\nSA Records Created by CSBS Support Staff",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_multiState\\topics\\c_agency_SA_MSE_summaryViewVsDetailLevelAccess-1.md",
      "relative_path": "maps\\SES\\chapter\\SA_multiState\\topics\\c_agency_SA_MSE_summaryViewVsDetailLevelAccess-1.md",
      "headings": [
        "More about Summary Level View vs Detail Level Access for a Supervisory Activity {#xd_1ab8b1d930f5fc99-50fd08ba-188f2b7a636--7ffd .concept}",
        "Summary Level View of a Supervisory Activity {#section_v4b_d3w_yxb .section}",
        "Detail Level Access to Another Agency's Supervisory Activity {#section_el1_g3w_yxb .section}",
        "A Note about Related Actions and Roles {#section_mld_k3w_yxb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_multiState/topics/c_agency_SA_MSE_summaryViewVsDetailLevelAccess-1.html",
      "snippet": null
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    {
      "id": "maps/SES/chapter/SA_multiState/topics/c_agency_SA_MSE_summaryViewVsDetailLevelAccess.md:chunk-0",
      "title": "More about Summary Level View vs Detail Level Access for a Supervisory Activity {#xd_1ab8b1d930f5fc99-50fd08ba-188f2b7a636--7ffd .concept}",
      "content": "# More about Summary Level View vs Detail Level Access for a Supervisory Activity \n\nDepending on the level of access granted within the system, agencies can see different information about a supervisory activity.\n\n## Summary Level View of a Supervisory Activity \n\nAll agency users with a supervisory activity related system role are automatically granted a summary level view of all supervisory activities in SES. See SES Agency System Roles & Consumer Complaints Roles for more information.\n\nSummary level view information only includes the Summary and Access and Usage tabs.\n\nDepending on your role, you can request detail level access to another agency’s supervisory activity. See Requesting Access to a Supervisory Activity for more information.\n\n## Detail Level Access to Another Agency's Supervisory Activity \n\nOnce you are granted access to another agency’s supervisory activity, you can see more details.\n\nDepending on the milestone the supervisory activity has reached, it is possible for you to see the information within the following tabs:\n\n-   Summary\n-   Details\n-   Access and Usage\n-   Participants\n-   Scope\n-   Plan\n-   Information Requests \\(including documents sent by the company\\)\n-   Loan Requests\n-   Examination\n-   Report\n-   MRA\n-   Interactions\n-   Time & Expenses\n-   Close Out\n\n## A Note about Related Actions and Roles \n\nThere are some intricacies about the information available to you and the related actions you can take that are dependent on whether your agency has been granted access to a supervisory activity. See the table below.\n\n|Related Action|Granted Access to SA|Without Access to SA|\n|--------------|:------------------:|:------------------:|\n|View Agency Record|X|X|\n|View Supervisory Activities on an Agency Record \\(for which Agency is a Participant\\)|X|X|\n|View Company Record|X|X|\n|View Company User Record and SAs on a Company User Record|X|X|\n|View Summary Level Supervisory Activities|X|X|\n|View Detailed Supervisory Activities|X| |\n|Export Proced",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_multiState\\topics\\c_agency_SA_MSE_summaryViewVsDetailLevelAccess.md",
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      "headings": [
        "More about Summary Level View vs Detail Level Access for a Supervisory Activity {#xd_1ab8b1d930f5fc99-50fd08ba-188f2b7a636--7ffd .concept}",
        "Summary Level View of a Supervisory Activity {#section_v4b_d3w_yxb .section}",
        "Detail Level Access to Another Agency's Supervisory Activity {#section_el1_g3w_yxb .section}",
        "A Note about Related Actions and Roles {#section_mld_k3w_yxb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_multiState/topics/c_agency_SA_MSE_summaryViewVsDetailLevelAccess.html",
      "snippet": null
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    {
      "id": "maps/SES/chapter/SA_multiState/topics/c_agency_SA_MSE_summaryViewVsDetailLevelAccess.md:chunk-1",
      "title": "More about Summary Level View vs Detail Level Access for a Supervisory Activity {#xd_1ab8b1d930f5fc99-50fd08ba-188f2b7a636--7ffd .concept}",
      "content": "X|X|\n|View Company Record|X|X|\n|View Company User Record and SAs on a Company User Record|X|X|\n|View Summary Level Supervisory Activities|X|X|\n|View Detailed Supervisory Activities|X| |\n|Export Procedures|X| |\n|View Final Version of Report|X| |\n|View Company Response to Report|X| |\n\nOne other thing to note is that once you are assigned as a participant on a supervisory activity, the related actions and information available to you change depending on your role. See SES Agency System Roles & Consumer Complaints Roles for more information.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_multiState\\topics\\c_agency_SA_MSE_summaryViewVsDetailLevelAccess.md",
      "relative_path": "maps\\SES\\chapter\\SA_multiState\\topics\\c_agency_SA_MSE_summaryViewVsDetailLevelAccess.md",
      "headings": [
        "More about Summary Level View vs Detail Level Access for a Supervisory Activity {#xd_1ab8b1d930f5fc99-50fd08ba-188f2b7a636--7ffd .concept}",
        "Summary Level View of a Supervisory Activity {#section_v4b_d3w_yxb .section}",
        "Detail Level Access to Another Agency's Supervisory Activity {#section_el1_g3w_yxb .section}",
        "A Note about Related Actions and Roles {#section_mld_k3w_yxb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_multiState/topics/c_agency_SA_MSE_summaryViewVsDetailLevelAccess.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_multiState/topics/c_agency_SA_inviteAgencies_join.md:chunk-0",
      "title": "Invitations to Join a Supervisory Activity {#xd_3daaf0d126289c2f-936c3ba-1866aa53950--7ffd .concept}",
      "content": "# Invitations to Join a Supervisory Activity \n\nAn agency staff director can invite other agencies to participate in an SA. The invitation is sent to all staff directors at the invited agencies.\n\nInvited agencies will receive an email notification, and the home page for staff directors displays open invitations.\n\nIn order to be invited to join an SA, an agency must have at least one user assigned to the Staff Director user role.\n\nInvitations to join an SA remain open until the SA enters the Close Out milestone at which time the invitation is canceled, and a notification is sent to the invited agency that the request has been canceled.\n\nStaff directors will see new features on the Home page.\n\nStaff directors can review, accept, or cancel invitations to join from either the **Invitations to Join** button or the Invitation Report page.\n\n-   **Inviting an Agency to Join an SA**  \nStaff directors, staff users, or the examiner in charge \\(EIC\\) from the lead agency can invite another agency in SES to join a supervisory activity \\(SA\\).\n-   **Reviewing an Invitation to Join Another Agency's SA**  \nYou can review the invitation from another agency to join their supervisory activity \\(SA\\) and decide whether to accept or reject the invitation.\n-   **Accepting or Rejecting an Invitation to an SA Using the SA Invitation Report**  \nStaff users and staff directors can view the SA Invitation Report to view invitations to join supervisory activities \\(SAs\\) that your agency has sent or received.\n\n**Parent topic:**Networked Supervision\n\n**Related information**  \n\nCommunicating with Other Agencies\n\nMore about Summary Level View vs Detail Level Access for a Supervisory Activity\n\nRequesting Access to a Supervisory Activity\n\nResponding to a Request to Access a Supervisory Activity\n\nJoining a Supervisory Activity\n\nResponding to a Request to Join a Supervisory Activity\n\nAccepting a Supervisory Activity\n\nLeveraging Another Agency's Supervisory Activity\n\nModifying the Lead Agency in a Multi",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_multiState\\topics\\c_agency_SA_inviteAgencies_join.md",
      "relative_path": "maps\\SES\\chapter\\SA_multiState\\topics\\c_agency_SA_inviteAgencies_join.md",
      "headings": [
        "Invitations to Join a Supervisory Activity {#xd_3daaf0d126289c2f-936c3ba-1866aa53950--7ffd .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_multiState/topics/c_agency_SA_inviteAgencies_join.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_multiState/topics/c_agency_SA_inviteAgencies_join.md:chunk-1",
      "title": "Invitations to Join a Supervisory Activity {#xd_3daaf0d126289c2f-936c3ba-1866aa53950--7ffd .concept}",
      "content": "a Supervisory Activity\n\nResponding to a Request to Join a Supervisory Activity\n\nAccepting a Supervisory Activity\n\nLeveraging Another Agency's Supervisory Activity\n\nModifying the Lead Agency in a Multi-state SA\n\nSA Records Created by CSBS Support Staff",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_multiState\\topics\\c_agency_SA_inviteAgencies_join.md",
      "relative_path": "maps\\SES\\chapter\\SA_multiState\\topics\\c_agency_SA_inviteAgencies_join.md",
      "headings": [
        "Invitations to Join a Supervisory Activity {#xd_3daaf0d126289c2f-936c3ba-1866aa53950--7ffd .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_multiState/topics/c_agency_SA_inviteAgencies_join.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_multiState/topics/c_agency_chapStart_NS.md:chunk-0",
      "title": "Networked Supervision {#c_agency_chapStart_NS .concept}",
      "content": "# Networked Supervision \n\nNetworked Supervision allows agencies in multiple states to share resources on a supervisory activity.\n\n-   **Communicating with Other Agencies**  \nThe **Search Agencies** feature in the Agency Management widget on the SES home page allows staff users or staff directors to view a list of all agencies, and filter or search that list to find a specific agency in any state or U.S. territory.\n-   **More about Summary Level View vs Detail Level Access for a Supervisory Activity**  \nDepending on the level of access granted within the system, agencies can see different information about a supervisory activity.\n-   **Requesting Access to a Supervisory Activity**  \nTo get more insight on a supervisory activity \\(single or multi-state\\) that is currently in progress or already took place, this feature allows you to request access. When the request is approved, detail level access to the supervisory activity \\(SA\\) becomes available.\n-   **Responding to a Request to Access a Supervisory Activity**  \nThe Staff Director or User can view and manage any Supervisory Activity access requests from the homepage. Allowing another agency to access supervisory activities conducted by your agency allows information about companies under supervision to be shared.\n-   **Invitations to Join a Supervisory Activity**  \nAn agency staff director can invite other agencies to participate in an SA. The invitation is sent to all staff directors at the invited agencies.\n-   **Joining a Supervisory Activity**  \nJoining another agency's supervisory activity allows you to participate in the process of examining a company. This reduces the regulatory burden on companies and duplication of effort within state agencies that regulate the same company.\n-   **Responding to a Request to Join a Supervisory Activity**  \nWhen multiple agencies come together to conduct a SA on a company, it is called a multi-state SA. It includes the lead agency \\(Examiner in Charge\\) and participating ag",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_multiState\\topics\\c_agency_chapStart_NS.md",
      "relative_path": "maps\\SES\\chapter\\SA_multiState\\topics\\c_agency_chapStart_NS.md",
      "headings": [
        "Networked Supervision {#c_agency_chapStart_NS .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_multiState/topics/c_agency_chapStart_NS.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_multiState/topics/c_agency_chapStart_NS.md:chunk-1",
      "title": "Networked Supervision {#c_agency_chapStart_NS .concept}",
      "content": "oin a Supervisory Activity**  \nWhen multiple agencies come together to conduct a SA on a company, it is called a multi-state SA. It includes the lead agency \\(Examiner in Charge\\) and participating agencies. Participants from additional agencies can have the examiner/examiner reviewer roles.\n-   **Accepting a Supervisory Activity**  \nSupervisory Activity acceptance is a system workflow that allows agencies to accept another agency’s SA in their completed Examination. This functionality supports the objectives of networked supervision \\(Multi-state Examinations\\) by giving state agencies another tool to collaborate and leverage the work of other agencies.\n-   **Leveraging Another Agency's Supervisory Activity**  \nLeveraging another agency's Supervisory Activity allows your agency to include that SA in your examination.\n-   **Modifying the Lead Agency in a Multi-state SA**  \nIf the Lead Agency changes during the course of a multi-state supervisory activity \\(SA\\), you can reassign the lead agency and the Examiner in Charge before the report is sent or before the SA is closed.\n-   **SA Records Created by CSBS Support Staff**  \nCSBS support staff can create Multi-state Mortgage Committee \\(MMC\\) shell exams on behalf of agencies.\n\n**Parent topic:**SES Examinations and Investigations Resources for Agencies\n\n**Related information**  \n\nJob Aid: Conducting Your First Exam in SES\n\nManaging Supervisory Activities\n\nConducting a Supervisory Activity",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_multiState\\topics\\c_agency_chapStart_NS.md",
      "relative_path": "maps\\SES\\chapter\\SA_multiState\\topics\\c_agency_chapStart_NS.md",
      "headings": [
        "Networked Supervision {#c_agency_chapStart_NS .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_multiState/topics/c_agency_chapStart_NS.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_multiState/topics/c_agency_interAgencyComms-1.md:chunk-0",
      "title": "Communicating with Other Agencies {#xd_3747411dd0694a4c--1b4b9ae1-1820c231ced--7ffb .concept}",
      "content": "# Communicating with Other Agencies \n\nThe **Search Agencies** feature in the Agency Management widget on the SES home page allows staff users or staff directors to view a list of all agencies, and filter or search that list to find a specific agency in any state or U.S. territory.\n\nClicking the **Search Agencies** button opens the list of agencies.\n\nYou can filter this list to search for a specific agency, or agencies within a specific state or U.S. territory.\n\nYou can view the detailed agency record by clicking an agency's name in this list.\n\nFrom the Agency Users tab you can view the list of active and inactive members of the agency, and view each member's profile to get contact information.\n\nFrom the Supervisory Activities tab you can view and filter the list of Supervisory Activities in which the agency is a participant. Clicking an SA ID will open that SA in a new browser tab for viewing. Staff Directors can **Request Access** or **Request to Join** the SA, depending on its status.\n\nClicking on the company name will open the company record in a new browser tab.\n\n1.  Searching for Other Agencies  \nUsers with the staff director or staff user role can search for other agencies and view their profile information, users contact information, and supervisory activities.\n2.  Viewing an Agency's Record  \nUsers with the staff director or staff user role can view the record of agencies found using the**Search Agencies** feature.\n\n**Parent topic:**Networked Supervision\n\n**Related information**  \n\nMore about Summary Level View vs Detail Level Access for a Supervisory Activity\n\nRequesting Access to a Supervisory Activity\n\nResponding to a Request to Access a Supervisory Activity\n\nInvitations to Join a Supervisory Activity\n\nJoining a Supervisory Activity\n\nResponding to a Request to Join a Supervisory Activity\n\nAccepting a Supervisory Activity\n\nLeveraging Another Agency's Supervisory Activity\n\nModifying the Lead Agency in a Multi-state SA\n\nSA Records Created by CSBS Support Sta",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_multiState\\topics\\c_agency_interAgencyComms-1.md",
      "relative_path": "maps\\SES\\chapter\\SA_multiState\\topics\\c_agency_interAgencyComms-1.md",
      "headings": [
        "Communicating with Other Agencies {#xd_3747411dd0694a4c--1b4b9ae1-1820c231ced--7ffb .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_multiState/topics/c_agency_interAgencyComms-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_multiState/topics/c_agency_interAgencyComms-1.md:chunk-1",
      "title": "Communicating with Other Agencies {#xd_3747411dd0694a4c--1b4b9ae1-1820c231ced--7ffb .concept}",
      "content": "o Join a Supervisory Activity\n\nAccepting a Supervisory Activity\n\nLeveraging Another Agency's Supervisory Activity\n\nModifying the Lead Agency in a Multi-state SA\n\nSA Records Created by CSBS Support Staff",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_multiState\\topics\\c_agency_interAgencyComms-1.md",
      "relative_path": "maps\\SES\\chapter\\SA_multiState\\topics\\c_agency_interAgencyComms-1.md",
      "headings": [
        "Communicating with Other Agencies {#xd_3747411dd0694a4c--1b4b9ae1-1820c231ced--7ffb .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_multiState/topics/c_agency_interAgencyComms-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_multiState/topics/c_agency_interAgencyComms.md:chunk-0",
      "title": "Communicating with Other Agencies {#xd_3747411dd0694a4c--1b4b9ae1-1820c231ced--7ffb .concept}",
      "content": "# Communicating with Other Agencies \n\nThe **Search Agencies** feature in the Agency Management widget on the SES home page allows staff users or staff directors to view a list of all agencies, and filter or search that list to find a specific agency in any state or U.S. territory.\n\nClicking the **Search Agencies** button opens the list of agencies.\n\nYou can filter this list to search for a specific agency, or agencies within a specific state or U.S. territory.\n\nYou can view the detailed agency record by clicking an agency's name in this list.\n\nFrom the Agency Users tab you can view the list of active and inactive members of the agency, and view each member's profile to get contact information.\n\nFrom the Supervisory Activities tab you can view and filter the list of Supervisory Activities in which the agency is a participant. Clicking an SA ID will open that SA in a new browser tab for viewing. Staff Directors can **Request Access** or **Request to Join** the SA, depending on its status.\n\nClicking on the company name will open the company record in a new browser tab.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_multiState\\topics\\c_agency_interAgencyComms.md",
      "relative_path": "maps\\SES\\chapter\\SA_multiState\\topics\\c_agency_interAgencyComms.md",
      "headings": [
        "Communicating with Other Agencies {#xd_3747411dd0694a4c--1b4b9ae1-1820c231ced--7ffb .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_multiState/topics/c_agency_interAgencyComms.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_multiState/topics/c_company_SA_leveraged_accepted-1.md:chunk-0",
      "title": "Leveraged or Accepted Supervisory Activities {#c_company_SA_leveraged_accepted .concept}",
      "content": "# Leveraged or Accepted Supervisory Activities \n\nYou may receive notifications that an agency is leveraging another agency’s Supervisory Activity for your company. Or you may receive notifications from SES indicating that an agency has accepted aSupervisory Activity\\) for your company.\n\nThe purpose of this article is to help you understand the concept of “leveraged” and “accepted” SAs and what they mean for your company.\n\n-   Leveraging an exam\n-   Accepting an exam\n\n**Note:** If you are conducting an Investigation, you cannot leverage an SA.\n\n## Leveraged Supervisory Activities \n\nAn agency can leverage another agency’s SA for your company. This is typically done when an agency sees that an SA has been conducted on your company already, and they can accept most of the agency’s SA as sufficient for their own purposes, but may need to do some more work or take some additional follow-up steps to ensure their supervisory requirements are met.\n\nYou are notified about a leveraged SA when the agency sends an information or loan request, at which point you would need to assign a company lead to the SA and respond to the agency’s requests. See Assigning the Company Lead on a Supervisory Activity for more information.\n\nUltimately, participating in a leveraged SA means less of a regulatory burden for your company because the agency is leveraging the work already conducted in a previous exam.\n\n## Accepted Supervisory Activities \n\nAn agency can also fully accept another agency’s closed SA for your company. This is typically done when an agency sees that an SA has been conducted on your company already, and they can accept the other agency’s work as a fulfillment of their supervisory requirements.\n\n**Note:** You may or may not be notified when an agency has accepted an SA for your company. It is optional for the agency to do so. In either case, there is no action required for your company.\n\nUltimately, when an agency accepts another agency’s SA for your company, it means one less",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_multiState\\topics\\c_company_SA_leveraged_accepted-1.md",
      "relative_path": "maps\\SES\\chapter\\SA_multiState\\topics\\c_company_SA_leveraged_accepted-1.md",
      "headings": [
        "Leveraged or Accepted Supervisory Activities {#c_company_SA_leveraged_accepted .concept}",
        "Leveraged Supervisory Activities {#section_c21_fj4_tsb .section}",
        "Accepted Supervisory Activities {#section_d21_fj4_tsb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_multiState/topics/c_company_SA_leveraged_accepted-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_multiState/topics/c_company_SA_leveraged_accepted-1.md:chunk-1",
      "title": "Leveraged or Accepted Supervisory Activities {#c_company_SA_leveraged_accepted .concept}",
      "content": "mpany. It is optional for the agency to do so. In either case, there is no action required for your company.\n\nUltimately, when an agency accepts another agency’s SA for your company, it means one less exam for your company.\n\n**Parent topic:**SES Examinations and Investigations Resources for Companies",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_multiState\\topics\\c_company_SA_leveraged_accepted-1.md",
      "relative_path": "maps\\SES\\chapter\\SA_multiState\\topics\\c_company_SA_leveraged_accepted-1.md",
      "headings": [
        "Leveraged or Accepted Supervisory Activities {#c_company_SA_leveraged_accepted .concept}",
        "Leveraged Supervisory Activities {#section_c21_fj4_tsb .section}",
        "Accepted Supervisory Activities {#section_d21_fj4_tsb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_multiState/topics/c_company_SA_leveraged_accepted-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_multiState/topics/c_company_SA_leveraged_accepted.md:chunk-0",
      "title": "Leveraged or Accepted Supervisory Activities {#c_company_SA_leveraged_accepted .concept}",
      "content": "# Leveraged or Accepted Supervisory Activities \n\nYou may receive notifications that an agency is leveraging another agency’s Supervisory Activity for your company. Or you may receive notifications from SES indicating that an agency has accepted aSupervisory Activity\\) for your company.\n\nThe purpose of this article is to help you understand the concept of “leveraged” and “accepted” SAs and what they mean for your company.\n\n-   Leveraging an exam\n-   Accepting an exam\n\n**Note:** If you are conducting an Investigation, you cannot leverage an SA.\n\n## Leveraged Supervisory Activities \n\nAn agency can leverage another agency’s SA for your company. This is typically done when an agency sees that an SA has been conducted on your company already, and they can accept most of the agency’s SA as sufficient for their own purposes, but may need to do some more work or take some additional follow-up steps to ensure their supervisory requirements are met.\n\nYou are notified about a leveraged SA when the agency sends an information or loan request, at which point you would need to assign a company lead to the SA and respond to the agency’s requests. See Assigning the Company Lead on a Supervisory Activity for more information.\n\nUltimately, participating in a leveraged SA means less of a regulatory burden for your company because the agency is leveraging the work already conducted in a previous exam.\n\n## Accepted Supervisory Activities \n\nAn agency can also fully accept another agency’s closed SA for your company. This is typically done when an agency sees that an SA has been conducted on your company already, and they can accept the other agency’s work as a fulfillment of their supervisory requirements.\n\n**Note:** You may or may not be notified when an agency has accepted an SA for your company. It is optional for the agency to do so. In either case, there is no action required for your company.\n\nUltimately, when an agency accepts another agency’s SA for your company, it means one less",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_multiState\\topics\\c_company_SA_leveraged_accepted.md",
      "relative_path": "maps\\SES\\chapter\\SA_multiState\\topics\\c_company_SA_leveraged_accepted.md",
      "headings": [
        "Leveraged or Accepted Supervisory Activities {#c_company_SA_leveraged_accepted .concept}",
        "Leveraged Supervisory Activities {#section_c21_fj4_tsb .section}",
        "Accepted Supervisory Activities {#section_d21_fj4_tsb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_multiState/topics/c_company_SA_leveraged_accepted.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_multiState/topics/c_company_SA_leveraged_accepted.md:chunk-1",
      "title": "Leveraged or Accepted Supervisory Activities {#c_company_SA_leveraged_accepted .concept}",
      "content": "mpany. It is optional for the agency to do so. In either case, there is no action required for your company.\n\nUltimately, when an agency accepts another agency’s SA for your company, it means one less exam for your company.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_multiState\\topics\\c_company_SA_leveraged_accepted.md",
      "relative_path": "maps\\SES\\chapter\\SA_multiState\\topics\\c_company_SA_leveraged_accepted.md",
      "headings": [
        "Leveraged or Accepted Supervisory Activities {#c_company_SA_leveraged_accepted .concept}",
        "Leveraged Supervisory Activities {#section_c21_fj4_tsb .section}",
        "Accepted Supervisory Activities {#section_d21_fj4_tsb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_multiState/topics/c_company_SA_leveraged_accepted.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_multiState/topics/t_agence_SA_AccessRequesting-1.md:chunk-0",
      "title": "Requesting Access to a Supervisory Activity {#t_requestingAccessToASupervisoryActivity .task}",
      "content": "# Requesting Access to a Supervisory Activity \n\nTo get more insight on a supervisory activity \\(single or multi-state\\) that is currently in progress or already took place, this feature allows you to request access. When the request is approved, detail level access to the supervisory activity \\(SA\\) becomes available.\n\nIf you request access to another agency's SA and the request is approved, detail level access to the SA becomes available to all users at your agency. The only exception is users that only hold a complaints role in SES; they are not given detail level access to the SA when the reqest is approved. See More about Summary Level View vs Detail Level Access for a Supervisory Activity for more information.\n\n**Note:** Any user at your agency can request access to another agency's SA. The only exception is users that only hold a complaints role in SES; they cannot request access to another agency's SA.\n\n**Note:** Requesting access to a single and multi-state exam is the same.\n\n**Note:** You can accept another agency’s SA in lieu of conducting your own. See Accepting a Supervisory Activity for more information.\n\n1.  Search for and select the **SA ID** you would like to access.\n\n    \n\n    \n\n2.  Click **Request Access** in the top right.\n\n    \n\n3.  Enter the reason for the request.\n\n4.  Click **Request Access**.\n\n    \n\n    The lead agency is notified of your request to access and the status of your request is displayed on the homepage.\n\n5.  You can send a reminder to the agency from two places:\n\n    -   The Access and Usage tab of the SA.\n\n        \n\n    -   The Outgoing Requests tab of the Access Request report found via the home page.\n\n        \n\n**Parent topic:**Networked Supervision\n\n**Related information**  \n\nCommunicating with Other Agencies\n\nMore about Summary Level View vs Detail Level Access for a Supervisory Activity\n\nResponding to a Request to Access a Supervisory Activity\n\nInvitations to Join a Supervisory Activity\n\nJoining a Supervisory Activity\n\nResp",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_multiState\\topics\\t_agence_SA_AccessRequesting-1.md",
      "relative_path": "maps\\SES\\chapter\\SA_multiState\\topics\\t_agence_SA_AccessRequesting-1.md",
      "headings": [
        "Requesting Access to a Supervisory Activity {#t_requestingAccessToASupervisoryActivity .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_multiState/topics/t_agence_SA_AccessRequesting-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_multiState/topics/t_agence_SA_AccessRequesting-1.md:chunk-1",
      "title": "Requesting Access to a Supervisory Activity {#t_requestingAccessToASupervisoryActivity .task}",
      "content": "Level View vs Detail Level Access for a Supervisory Activity\n\nResponding to a Request to Access a Supervisory Activity\n\nInvitations to Join a Supervisory Activity\n\nJoining a Supervisory Activity\n\nResponding to a Request to Join a Supervisory Activity\n\nAccepting a Supervisory Activity\n\nLeveraging Another Agency's Supervisory Activity\n\nModifying the Lead Agency in a Multi-state SA\n\nSA Records Created by CSBS Support Staff\n\nTaking Action on Your Exam Scheduling \"To Do\" List\n\nMaking and Confirming Decisions\n\nUsing Exam Scheduling\n\nViewing an Agency's Record",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_multiState\\topics\\t_agence_SA_AccessRequesting-1.md",
      "relative_path": "maps\\SES\\chapter\\SA_multiState\\topics\\t_agence_SA_AccessRequesting-1.md",
      "headings": [
        "Requesting Access to a Supervisory Activity {#t_requestingAccessToASupervisoryActivity .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_multiState/topics/t_agence_SA_AccessRequesting-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_multiState/topics/t_agence_SA_AccessRequesting.md:chunk-0",
      "title": "Requesting Access to a Supervisory Activity {#t_requestingAccessToASupervisoryActivity .task}",
      "content": "# Requesting Access to a Supervisory Activity \n\nTo get more insight on a supervisory activity \\(single or multi-state\\) that is currently in progress or already took place, this feature allows you to request access. When the request is approved, detail level access to the supervisory activity \\(SA\\) becomes available.\n\nIf you request access to another agency's SA and the request is approved, detail level access to the SA becomes available to all users at your agency. The only exception is users that only hold a complaints role in SES; they are not given detail level access to the SA when the reqest is approved. See More about Summary Level View vs Detail Level Access for a Supervisory Activity for more information.\n\n**Note:** Any user at your agency can request access to another agency's SA. The only exception is users that only hold a complaints role in SES; they cannot request access to another agency's SA.\n\n**Note:** Requesting access to a single and multi-state exam is the same.\n\n**Note:** You can accept another agency’s SA in lieu of conducting your own. See Accepting a Supervisory Activity for more information.\n\n1.  Search for and select the **SA ID** you would like to access.\n\n    \n\n    \n\n2.  Click **Request Access** in the top right.\n\n    \n\n3.  Enter the reason for the request.\n\n4.  Click **Request Access**.\n\n    \n\n    The lead agency is notified of your request to access and the status of your request is displayed on the homepage.\n\n5.  You can send a reminder to the agency from two places:\n\n    -   The Access and Usage tab of the SA.\n\n        \n\n    -   The Outgoing Requests tab of the Access Request report found via the home page.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_multiState\\topics\\t_agence_SA_AccessRequesting.md",
      "relative_path": "maps\\SES\\chapter\\SA_multiState\\topics\\t_agence_SA_AccessRequesting.md",
      "headings": [
        "Requesting Access to a Supervisory Activity {#t_requestingAccessToASupervisoryActivity .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_multiState/topics/t_agence_SA_AccessRequesting.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_multiState/topics/t_agency_SA_MSE_accept_EICreview-1.md:chunk-0",
      "title": "t_agency_SA_MSE_accept_EICreview-1",
      "content": "",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_multiState\\topics\\t_agency_SA_MSE_accept_EICreview-1.md",
      "relative_path": "maps\\SES\\chapter\\SA_multiState\\topics\\t_agency_SA_MSE_accept_EICreview-1.md",
      "headings": [],
      "html_link": "/docs/maps/SES/chapter/SA_multiState/topics/t_agency_SA_MSE_accept_EICreview-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_multiState/topics/t_agency_SA_MSE_accept_EICreview.md:chunk-0",
      "title": "t_agency_SA_MSE_accept_EICreview",
      "content": "",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_multiState\\topics\\t_agency_SA_MSE_accept_EICreview.md",
      "relative_path": "maps\\SES\\chapter\\SA_multiState\\topics\\t_agency_SA_MSE_accept_EICreview.md",
      "headings": [],
      "html_link": "/docs/maps/SES/chapter/SA_multiState/topics/t_agency_SA_MSE_accept_EICreview.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_multiState/topics/t_agency_SA_MSE_accept_startWkflw-1.md:chunk-0",
      "title": "Starting the SA Acceptance Workflow {#t_startingTheSaAcceptanceWorkflow .task}",
      "content": "# Starting the SA Acceptance Workflow \n\nWhen another agency performs an examination of a company, you can accept the results of that examination in lieu of performing your own exam on the same company.\n\nTo accept another agency's supervisory activity, you must first have access to that SA, and you must use the Exam Scheduling tool to select the company and the SA ID that you want to accept.\n\n-   Requesting Access to a Supervisory Activity\n-   Building Your Exam Scheduling “To-Do List”\n-   Making and Confirming Decisions\n\n1.  Select the **Agency Reports** drop-down menu from the Top Menu of the homepage.\n\n    \n\n2.  Select **Access Requests**.\n\n3.  Click the My Agency's Request History to see the SAs that you have access to.\n\n4.  Click the **SA ID** link for the SA you want to accept\n\n    **Note:** You must have detail level access to the SA, be assigned the staff user or staff director, and the selected Examiner in Charge \\(EIC\\) must also have detail level access to the SA being accepted. See Requesting Access to a Supervisory Activity for more information.\n\n5.  Click **Assign Acceptance EIC**.\n\n    \n\n    **Note:** You also have the option of requesting additional access for other SES users at your agency that you would otherwise assign as participants on an SA for the company.\n\n6.  Assign an EIC to accept the SA.\n\n7.  Click **Start Acceptance**.\n\n    \n\n8.  Click **Confirm**.\n\nThis kicks off the acceptance workflow for the SA. The assigned EIC for the accepted SA must review the acceptance and approve it.\n\n**Parent topic:**Accepting a Supervisory Activity\n\n**Previous topic:**Accepting a Supervisory Activity\n\n**Next topic:**Reviewing the SA Acceptance as the EIC\n\n**Related information**  \n\nTaking Action on Your Exam Scheduling \"To Do\" List",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_multiState\\topics\\t_agency_SA_MSE_accept_startWkflw-1.md",
      "relative_path": "maps\\SES\\chapter\\SA_multiState\\topics\\t_agency_SA_MSE_accept_startWkflw-1.md",
      "headings": [
        "Starting the SA Acceptance Workflow {#t_startingTheSaAcceptanceWorkflow .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_multiState/topics/t_agency_SA_MSE_accept_startWkflw-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_multiState/topics/t_agency_SA_MSE_accept_startWkflw.md:chunk-0",
      "title": "Starting the SA Acceptance Workflow {#t_startingTheSaAcceptanceWorkflow .task}",
      "content": "# Starting the SA Acceptance Workflow \n\nWhen another agency performs an examination of a company, you can accept the results of that examination in lieu of performing your own exam on the same company.\n\nTo accept another agency's supervisory activity, you must first have access to that SA, and you must use the Exam Scheduling tool to select the company and the SA ID that you want to accept.\n\n-   Requesting Access to a Supervisory Activity\n-   Building Your Exam Scheduling “To-Do List”\n-   Making and Confirming Decisions\n\n1.  Select the **Agency Reports** drop-down menu from the Top Menu of the homepage.\n\n    \n\n2.  Select **Access Requests**.\n\n3.  Click the My Agency's Request History to see the SAs that you have access to.\n\n4.  Click the **SA ID** link for the SA you want to accept\n\n    **Note:** You must have detail level access to the SA, be assigned the staff user or staff director, and the selected Examiner in Charge \\(EIC\\) must also have detail level access to the SA being accepted. See Requesting Access to a Supervisory Activity for more information.\n\n5.  Click **Assign Acceptance EIC**.\n\n    \n\n    **Note:** You also have the option of requesting additional access for other SES users at your agency that you would otherwise assign as participants on an SA for the company.\n\n6.  Assign an EIC to accept the SA.\n\n7.  Click **Start Acceptance**.\n\n    \n\n8.  Click **Confirm**.\n\nThis kicks off the acceptance workflow for the SA. The assigned EIC for the accepted SA must review the acceptance and approve it.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_multiState\\topics\\t_agency_SA_MSE_accept_startWkflw.md",
      "relative_path": "maps\\SES\\chapter\\SA_multiState\\topics\\t_agency_SA_MSE_accept_startWkflw.md",
      "headings": [
        "Starting the SA Acceptance Workflow {#t_startingTheSaAcceptanceWorkflow .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_multiState/topics/t_agency_SA_MSE_accept_startWkflw.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_multiState/topics/t_agency_SA_MSE_accessReqResponding_AccReqReport-1.md:chunk-0",
      "title": "Responding to an SA Access Request Using the Access Request Report {#t_usingAccessRequestReport_SA_accessResp .task}",
      "content": "# Responding to an SA Access Request Using the Access Request Report \n\nAllowing another agency to access supervisory activities completed by your agency allows information about companies under supervision to be shared. To leverage or accept a Supervisory Activity conducted by your agency, another agency must first have access to the SA.\n\nStaff directors can choose the agencies that are automatically approved for detail level access to supervisory activities \\(SAs\\) when an access request is sent. See Managing SA Access Request Auto Approvals for more information.\n\n1.  Select the **Agency Reports** drop-down menu from the Top Menu of the homepage.\n\n    \n\n2.  Select **Access Requests**.\n\n3.  Click the **View Details** icon.\n\n    \n\n4.  Click **Review Access Request** in the top right.\n\n    \n\n5.  Review the details of the request.\n\n    1.  Select **Accept Request** > **Accept Request**.\n\n        \n\n    2.  Select **Reject Request**, enter the reason why in the comments section and click **Reject Request**.\n\n        \n\n6.  **Note:** An approved access request can be removed by staff directors.\n\n    To remove an approved access request:\n\n    1.  Click **My Agency’s Decisions**.\n\n        \n\n    2.  Click the **View Details** icon for the desired access request.\n\n        \n\n    3.  Click **Remove Agency**.\n\n**Parent topic:**Responding to a Request to Access a Supervisory Activity\n\n**Related information**  \n\nManaging SA Access Request Auto Approvals\n\nResponding to an SA Access Request Using the Home Page Widget\n\nRemoving an Approved Supervisory Activity Access Request",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_multiState\\topics\\t_agency_SA_MSE_accessReqResponding_AccReqReport-1.md",
      "relative_path": "maps\\SES\\chapter\\SA_multiState\\topics\\t_agency_SA_MSE_accessReqResponding_AccReqReport-1.md",
      "headings": [
        "Responding to an SA Access Request Using the Access Request Report {#t_usingAccessRequestReport_SA_accessResp .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_multiState/topics/t_agency_SA_MSE_accessReqResponding_AccReqReport-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_multiState/topics/t_agency_SA_MSE_accessReqResponding_AccReqReport-1_2.md:chunk-0",
      "title": "Responding to an SA Access Request Using the Access Request Report {#t_usingAccessRequestReport_SA_accessResp .task}",
      "content": "# Responding to an SA Access Request Using the Access Request Report \n\nAllowing another agency to access supervisory activities completed by your agency allows information about companies under supervision to be shared. To leverage or accept a Supervisory Activity conducted by your agency, another agency must first have access to the SA.\n\nStaff directors can choose the agencies that are automatically approved for detail level access to supervisory activities \\(SAs\\) when an access request is sent. See Managing SA Access Request Auto Approvals for more information.\n\n1.  Select the **Agency Reports** drop-down menu from the Top Menu of the homepage.\n\n    \n\n2.  Select **Access Requests**.\n\n3.  Click the **View Details** icon.\n\n    \n\n4.  Click **Review Access Request** in the top right.\n\n    \n\n5.  Review the details of the request.\n\n    1.  Select **Accept Request** > **Accept Request**.\n\n        \n\n    2.  Select **Reject Request**, enter the reason why in the comments section and click **Reject Request**.\n\n        \n\n6.  **Note:** An approved access request can be removed by staff directors.\n\n    To remove an approved access request:\n\n    1.  Click **My Agency’s Decisions**.\n\n        \n\n    2.  Click the **View Details** icon for the desired access request.\n\n        \n\n    3.  Click **Remove Agency**.\n\n**Parent topic:**SES Supervisory Activity Reports",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_multiState\\topics\\t_agency_SA_MSE_accessReqResponding_AccReqReport-1_2.md",
      "relative_path": "maps\\SES\\chapter\\SA_multiState\\topics\\t_agency_SA_MSE_accessReqResponding_AccReqReport-1_2.md",
      "headings": [
        "Responding to an SA Access Request Using the Access Request Report {#t_usingAccessRequestReport_SA_accessResp .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_multiState/topics/t_agency_SA_MSE_accessReqResponding_AccReqReport-1_2.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_multiState/topics/t_agency_SA_MSE_accessReqResponding_AccReqReport.md:chunk-0",
      "title": "Responding to an SA Access Request Using the Access Request Report {#t_usingAccessRequestReport_SA_accessResp .task}",
      "content": "# Responding to an SA Access Request Using the Access Request Report \n\nAllowing another agency to access supervisory activities completed by your agency allows information about companies under supervision to be shared. To leverage or accept a Supervisory Activity conducted by your agency, another agency must first have access to the SA.\n\nStaff directors can choose the agencies that are automatically approved for detail level access to supervisory activities \\(SAs\\) when an access request is sent. See Managing SA Access Request Auto Approvals for more information.\n\n1.  Select the **Agency Reports** drop-down menu from the Top Menu of the homepage.\n\n    \n\n2.  Select **Access Requests**.\n\n3.  Click the **View Details** icon.\n\n    \n\n4.  Click **Review Access Request** in the top right.\n\n    \n\n5.  Review the details of the request.\n\n    1.  Select **Accept Request** > **Accept Request**.\n\n        \n\n    2.  Select **Reject Request**, enter the reason why in the comments section and click **Reject Request**.\n\n        \n\n6.  **Note:** An approved access request can be removed by staff directors.\n\n    To remove an approved access request:\n\n    1.  Click **My Agency’s Decisions**.\n\n        \n\n    2.  Click the **View Details** icon for the desired access request.\n\n        \n\n    3.  Click **Remove Agency**.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_multiState\\topics\\t_agency_SA_MSE_accessReqResponding_AccReqReport.md",
      "relative_path": "maps\\SES\\chapter\\SA_multiState\\topics\\t_agency_SA_MSE_accessReqResponding_AccReqReport.md",
      "headings": [
        "Responding to an SA Access Request Using the Access Request Report {#t_usingAccessRequestReport_SA_accessResp .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_multiState/topics/t_agency_SA_MSE_accessReqResponding_AccReqReport.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_multiState/topics/t_agency_SA_MSE_accessReq_HomePageWidget.md:chunk-0",
      "title": "Responding to an SA Access Request Using the Home Page Widget {#t_usingHomePageWidget_SA_accessResp .task}",
      "content": "# Responding to an SA Access Request Using the Home Page Widget \n\nAllowing another agency to access supervisory activities completed by your agency allows information about companies under supervision to be shared. To leverage or accept a Supervisory Activity conducted by your agency, another agency must first have access to the SA.\n\nStaff directors can choose the agencies that are automatically approved for detail level access to supervisory activities \\(SAs\\) when an access request is sent. See Managing SA Access Request Auto Approvals for more information.\n\n1.  Click **Access Requests** from the homepage.\n\n2.  Click the desired **SA ID**.\n\n    \n\n3.  Click **Access and Usage**.\n\n    \n\n4.  Click the **View Details** icon.\n\n    \n\n5.  Click **Review Access Request** in the top right.\n\n    \n\n6.  Review the details of the request.\n\n    1.  Select **Accept Request** > **Accept Request**.\n\n        \n\n    2.  Select **Reject Request**, enter the reason why in the comments section and click **Reject Request**.\n\n        \n\n7.  **Note:** An approved access request can be removed by staff directors.\n\n    To remove an approved access request:\n\n    1.  Click **My Agency’s Decisions**.\n\n        \n\n    2.  Click the **View Details** icon for the desired access request.\n\n        \n\n    3.  Click **Remove Agency**.\n\n**Parent topic:**Responding to a Request to Access a Supervisory Activity\n\n**Related information**  \n\nManaging SA Access Request Auto Approvals\n\nResponding to an SA Access Request Using the Access Request Report\n\nRemoving an Approved Supervisory Activity Access Request",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_multiState\\topics\\t_agency_SA_MSE_accessReq_HomePageWidget.md",
      "relative_path": "maps\\SES\\chapter\\SA_multiState\\topics\\t_agency_SA_MSE_accessReq_HomePageWidget.md",
      "headings": [
        "Responding to an SA Access Request Using the Home Page Widget {#t_usingHomePageWidget_SA_accessResp .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_multiState/topics/t_agency_SA_MSE_accessReq_HomePageWidget.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_multiState/topics/t_agency_SA_MSE_accessReq_RemoveApproval.md:chunk-0",
      "title": "Removing an Approved Supervisory Activity Access Request {#t_agency_SA_MSE_accessReq_RemoveApproval .task}",
      "content": "# Removing an Approved Supervisory Activity Access Request \n\nThe Staff Director or User can remove a previously approved request from another agency to access a Supervisory Activity.\n\n1.  **Note:** An approved access request can be removed by staff directors.\n\n    To remove an approved access request:\n\n    1.  Click **My Agency’s Decisions**.\n\n        \n\n    2.  Click the **View Details** icon for the desired access request.\n\n        \n\n    3.  Click **Remove Agency**.\n\n**Parent topic:**Responding to a Request to Access a Supervisory Activity\n\n**Related information**  \n\nManaging SA Access Request Auto Approvals\n\nResponding to an SA Access Request Using the Home Page Widget\n\nResponding to an SA Access Request Using the Access Request Report",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_multiState\\topics\\t_agency_SA_MSE_accessReq_RemoveApproval.md",
      "relative_path": "maps\\SES\\chapter\\SA_multiState\\topics\\t_agency_SA_MSE_accessReq_RemoveApproval.md",
      "headings": [
        "Removing an Approved Supervisory Activity Access Request {#t_agency_SA_MSE_accessReq_RemoveApproval .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_multiState/topics/t_agency_SA_MSE_accessReq_RemoveApproval.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_multiState/topics/t_agency_SA_MSE_invitationReport.md:chunk-0",
      "title": "Accepting or Rejecting an Invitation to an SA Using the SA Invitation Report {#xd_2e922ef9be1cc4ee--5e0ab90b-18646a873d9--7ff3 .task}",
      "content": "# Accepting or Rejecting an Invitation to an SA Using the SA Invitation Report \n\nStaff users and staff directors can view the SA Invitation Report to view invitations to join supervisory activities \\(SAs\\) that your agency has sent or received.\n\nThe SA Invitations Report allows you to view:\n\n-   Invitations Sent by My Agency\n-   Invitations Received by My Agency\n-   Invitation Decisions by My Agency\n-   Invitation Responses from Other Agencies\n\nThis task describes how to view the details of an invitation from another agency and respond to the invitation.\n\n**Note:** Only staff directors can accept or reject invitations via the SA Invitation Report.\n\n1.  Select the **Agency Reports** drop-down menu from the Top Menu of the homepage.\n\n    \n\n2.  Select **Invitations**.\n\n3.  Click the Invitations Received by My Agency tab.\n\n4.  Click the detail icon to the left of the SA Invitation you wish to view.\n\n    The Invitation Details are displayed.\n\n    \n\n5.  Click **Review Invitation**.\n\n    The Review Invitation screen is displayed.\n\n    \n\n6.  Choose whether to **Accept Invitation** or **Reject Invitation**.\n\n    \n\n7.  If you decide to accept the invitation, assign a particpant from your agency by typing the **Name** and choose a **Role**.\n\n    -   **Examiner**\n    -   **Reviewer**\n\n        **Note:** To assign a particpant from your agency as a Reviewer, that user must have the Reviewer role assigned to the user profile. Contact your Account Administrator for assistance.\n\n    -   **Peer Reviewer**\n    -   **Team Lead**\n\n        **Note:** On a multi-state SA, you must designate one participant from your agency as the **Team Lead**. This designation does not grant the user any additional permissions, but it does provide a Team Lead indicator to other participating agencies and the company being examined.\n\n    \n\n    **Note:** A staff user can take this step later if you do not want to do it at the time of acceptance.\n\n8.  To add another participant, click **Add Particpant** and ",
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      "relative_path": "maps\\SES\\chapter\\SA_multiState\\topics\\t_agency_SA_MSE_invitationReport.md",
      "headings": [
        "Accepting or Rejecting an Invitation to an SA Using the SA Invitation Report {#xd_2e922ef9be1cc4ee--5e0ab90b-18646a873d9--7ff3 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_multiState/topics/t_agency_SA_MSE_invitationReport.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_multiState/topics/t_agency_SA_MSE_invitationReport.md:chunk-1",
      "title": "Accepting or Rejecting an Invitation to an SA Using the SA Invitation Report {#xd_2e922ef9be1cc4ee--5e0ab90b-18646a873d9--7ff3 .task}",
      "content": "company being examined.\n\n    \n\n    **Note:** A staff user can take this step later if you do not want to do it at the time of acceptance.\n\n8.  To add another participant, click **Add Particpant** and repeat the previous step until all participants are added.\n\n9.  Click **Accept Invitation**.\n\n    \n\nThe inviting agency is notified of your decision to accept or reject the SA invitation.\n\n**Parent topic:**Invitations to Join a Supervisory Activity",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_multiState\\topics\\t_agency_SA_MSE_invitationReport.md",
      "relative_path": "maps\\SES\\chapter\\SA_multiState\\topics\\t_agency_SA_MSE_invitationReport.md",
      "headings": [
        "Accepting or Rejecting an Invitation to an SA Using the SA Invitation Report {#xd_2e922ef9be1cc4ee--5e0ab90b-18646a873d9--7ff3 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_multiState/topics/t_agency_SA_MSE_invitationReport.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_multiState/topics/t_agency_SA_MSE_invitationReport_2.md:chunk-0",
      "title": "Accepting or Rejecting an Invitation to an SA Using the SA Invitation Report {#xd_2e922ef9be1cc4ee--5e0ab90b-18646a873d9--7ff3 .task}",
      "content": "# Accepting or Rejecting an Invitation to an SA Using the SA Invitation Report \n\nStaff users and staff directors can view the SA Invitation Report to view invitations to join supervisory activities \\(SAs\\) that your agency has sent or received.\n\nThe SA Invitations Report allows you to view:\n\n-   Invitations Sent by My Agency\n-   Invitations Received by My Agency\n-   Invitation Decisions by My Agency\n-   Invitation Responses from Other Agencies\n\nThis task describes how to view the details of an invitation from another agency and respond to the invitation.\n\n**Note:** Only staff directors can accept or reject invitations via the SA Invitation Report.\n\n1.  Select the **Agency Reports** drop-down menu from the Top Menu of the homepage.\n\n    \n\n2.  Select **Invitations**.\n\n3.  Click the Invitations Received by My Agency tab.\n\n4.  Click the detail icon to the left of the SA Invitation you wish to view.\n\n    The Invitation Details are displayed.\n\n    \n\n5.  Click **Review Invitation**.\n\n    The Review Invitation screen is displayed.\n\n    \n\n6.  Choose whether to **Accept Invitation** or **Reject Invitation**.\n\n    \n\n7.  If you decide to accept the invitation, assign a particpant from your agency by typing the **Name** and choose a **Role**.\n\n    -   **Examiner**\n    -   **Reviewer**\n\n        **Note:** To assign a particpant from your agency as a Reviewer, that user must have the Reviewer role assigned to the user profile. Contact your Account Administrator for assistance.\n\n    -   **Peer Reviewer**\n    -   **Team Lead**\n\n        **Note:** On a multi-state SA, you must designate one participant from your agency as the **Team Lead**. This designation does not grant the user any additional permissions, but it does provide a Team Lead indicator to other participating agencies and the company being examined.\n\n    \n\n    **Note:** A staff user can take this step later if you do not want to do it at the time of acceptance.\n\n8.  To add another participant, click **Add Particpant** and ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_multiState\\topics\\t_agency_SA_MSE_invitationReport_2.md",
      "relative_path": "maps\\SES\\chapter\\SA_multiState\\topics\\t_agency_SA_MSE_invitationReport_2.md",
      "headings": [
        "Accepting or Rejecting an Invitation to an SA Using the SA Invitation Report {#xd_2e922ef9be1cc4ee--5e0ab90b-18646a873d9--7ff3 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_multiState/topics/t_agency_SA_MSE_invitationReport_2.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_multiState/topics/t_agency_SA_MSE_invitationReport_2.md:chunk-1",
      "title": "Accepting or Rejecting an Invitation to an SA Using the SA Invitation Report {#xd_2e922ef9be1cc4ee--5e0ab90b-18646a873d9--7ff3 .task}",
      "content": "company being examined.\n\n    \n\n    **Note:** A staff user can take this step later if you do not want to do it at the time of acceptance.\n\n8.  To add another participant, click **Add Particpant** and repeat the previous step until all participants are added.\n\n9.  Click **Accept Invitation**.\n\n    \n\nThe inviting agency is notified of your decision to accept or reject the SA invitation.\n\n**Parent topic:**SES Supervisory Activity Reports",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_multiState\\topics\\t_agency_SA_MSE_invitationReport_2.md",
      "relative_path": "maps\\SES\\chapter\\SA_multiState\\topics\\t_agency_SA_MSE_invitationReport_2.md",
      "headings": [
        "Accepting or Rejecting an Invitation to an SA Using the SA Invitation Report {#xd_2e922ef9be1cc4ee--5e0ab90b-18646a873d9--7ff3 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_multiState/topics/t_agency_SA_MSE_invitationReport_2.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_multiState/topics/t_agency_SA_MSE_inviting.md:chunk-0",
      "title": "Inviting an Agency to Join an SA {#xd_2e922ef9be1cc4ee--5e0ab90b-18646a873d9--7ff8 .task}",
      "content": "# Inviting an Agency to Join an SA \n\nStaff directors, staff users, or the examiner in charge \\(EIC\\) from the lead agency can invite another agency in SES to join a supervisory activity \\(SA\\).\n\n**Note:** To add an agency, that agency must have at least one active staff director in SES. If the target agency does not have a user assigned a Staff Director user role, you will receive a message stating the agency cannot be added to the SA.\n\n**Note:** You cannot invite other agencies to join a leveraged SA \\(that is, with **Scope Type** set to Leveraged\\).\n\n**Note:** You cannot invite an agency that has an outstanding request to join the same SA.\n\nInvitations to other agencies remain active until the SA enters the Close Out milestone.\n\nThe **Invite Agencies** command is avaialable on the SA Summary and Related Actions tabs.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Search for and select the **SA ID** you would like to access.\n\n    \n\n    \n\n3.  Click **Invite Agencies**.\n\n    \n\n    The Invite Agencies pane is displayed.\n\n    \n\n4.  Begin typing any part of an agency name, then select the name of the desired agency from the list.\n\n    \n\n5.  To add another agency, click **Add Agency** and repeat step 4. Repeat until all desired agencies are selected.\n\n    \n\n    Each agency you select is added to the list. To remove an agency, click the red \"X\".\n\n    \n\n6.  Type any additional information in the **Comments** field.\n\n7.  Click **Invite Agencies**.\n\n    \n\nAn email including your comments is sent to the staff directors at each listed agency, inviting them to join the SA.\n\n**Parent topic:**Invitations to Join a Supervisory Activity",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_multiState\\topics\\t_agency_SA_MSE_inviting.md",
      "relative_path": "maps\\SES\\chapter\\SA_multiState\\topics\\t_agency_SA_MSE_inviting.md",
      "headings": [
        "Inviting an Agency to Join an SA {#xd_2e922ef9be1cc4ee--5e0ab90b-18646a873d9--7ff8 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_multiState/topics/t_agency_SA_MSE_inviting.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_multiState/topics/t_agency_SA_MSE_inviting_rvw.md:chunk-0",
      "title": "Reviewing an Invitation to Join Another Agency's SA {#xd_2e922ef9be1cc4ee--5e0ab90b-18646a873d9--7ff5 .task}",
      "content": "# Reviewing an Invitation to Join Another Agency's SA \n\nYou can review the invitation from another agency to join their supervisory activity \\(SA\\) and decide whether to accept or reject the invitation.\n\nAs a staff director you can access an SA invitation for review and approval or rejection from the Invitation Report or the quick filters avialable on the SES Home page.\n\n1.  On the SES Home page, click **Invitations to Join**.\n\n2.  Click on the **SA ID** of the SA Invitation you wish to review.\n\n    The SA Summary screen is displayed.\n\n3.  Scroll to the bottom of the Summary screen to the Invitation from Lead Agency pane.\n\n    \n\n4.  Click the detail icon on the left.\n\n    The Invitation Details are displayed.\n\n    \n\n5.  Click **Review Invitation**.\n\n    The Review Invitation screen is displayed.\n\n    \n\n6.  Choose whether to **Accept Invitation** or **Reject Invitation**.\n\n    \n\n7.  If you decide to accept the invitation, assign a particpant from your agency by typing the **Name** and choose a **Role**.\n\n    -   **Examiner**\n    -   **Reviewer**\n\n        **Note:** To assign a particpant from your agency as a Reviewer, that user must have the Reviewer role assigned to the user profile. Contact your Account Administrator for assistance.\n\n    -   **Peer Reviewer**\n    -   **Team Lead**\n\n        **Note:** On a multi-state SA, you must designate one participant from your agency as the **Team Lead**. This designation does not grant the user any additional permissions, but it does provide a Team Lead indicator to other participating agencies and the company being examined.\n\n    \n\n    **Note:** A staff user can take this step later if you do not want to do it at the time of acceptance.\n\n8.  To add another participant, click **Add Particpant** and repeat the previous step until all participants are added.\n\n9.  Click **Accept Invitation**.\n\n    \n\nThe inviting agency is notified of your decision to accept or reject the SA invitation.\n\n**Parent topic:**Invitations to Join a Supe",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_multiState\\topics\\t_agency_SA_MSE_inviting_rvw.md",
      "relative_path": "maps\\SES\\chapter\\SA_multiState\\topics\\t_agency_SA_MSE_inviting_rvw.md",
      "headings": [
        "Reviewing an Invitation to Join Another Agency's SA {#xd_2e922ef9be1cc4ee--5e0ab90b-18646a873d9--7ff5 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_multiState/topics/t_agency_SA_MSE_inviting_rvw.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_multiState/topics/t_agency_SA_MSE_inviting_rvw.md:chunk-1",
      "title": "Reviewing an Invitation to Join Another Agency's SA {#xd_2e922ef9be1cc4ee--5e0ab90b-18646a873d9--7ff5 .task}",
      "content": "ll participants are added.\n\n9.  Click **Accept Invitation**.\n\n    \n\nThe inviting agency is notified of your decision to accept or reject the SA invitation.\n\n**Parent topic:**Invitations to Join a Supervisory Activity",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_multiState\\topics\\t_agency_SA_MSE_inviting_rvw.md",
      "relative_path": "maps\\SES\\chapter\\SA_multiState\\topics\\t_agency_SA_MSE_inviting_rvw.md",
      "headings": [
        "Reviewing an Invitation to Join Another Agency's SA {#xd_2e922ef9be1cc4ee--5e0ab90b-18646a873d9--7ff5 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_multiState/topics/t_agency_SA_MSE_inviting_rvw.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_multiState/topics/t_agency_SA_MSE_joinRequestRespond-1.md:chunk-0",
      "title": "Responding to a Request to Join a Supervisory Activity {#t_respond_SA_accessRequest .task}",
      "content": "# Responding to a Request to Join a Supervisory Activity \n\nWhen multiple agencies come together to conduct a SA on a company, it is called a multi-state SA. It includes the lead agency \\(Examiner in Charge\\) and participating agencies. Participants from additional agencies can have the examiner/examiner reviewer roles.\n\n**Note:** Only participants \\(from participating agencies\\) have detail-level access. The workflow for a multi-state SA is the same as a single-state SA. Staff Directors or the EIC from the lead agency on a multi-state SA can approve a join request from a participating agency.\n\n1.  Click **Join Requests** from the home page to view the SA the agency is requesting to join.\n\n    \n\n2.  Click the **SA ID**.\n\n3.  Scroll down to view the join requests and click the **View Details** icon.\n\n    \n\n4.  Click **Review Request to Join**.\n\n    \n\n5.  Choose to either accept or reject the request.\n\n    1.  Select **Accept Request** and click **Accept Request**. Then, click **Confirm** to accept.\n\n        \n\n        \n\n    2.  Select **Reject Request**, provide a comment as to why the request is being rejected and click **Reject Request**.\n\n        \n\n**Parent topic:**Networked Supervision\n\n**Related information**  \n\nCommunicating with Other Agencies\n\nMore about Summary Level View vs Detail Level Access for a Supervisory Activity\n\nRequesting Access to a Supervisory Activity\n\nResponding to a Request to Access a Supervisory Activity\n\nInvitations to Join a Supervisory Activity\n\nJoining a Supervisory Activity\n\nAccepting a Supervisory Activity\n\nLeveraging Another Agency's Supervisory Activity\n\nModifying the Lead Agency in a Multi-state SA\n\nSA Records Created by CSBS Support Staff\n\nUsing Exam Scheduling",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_multiState\\topics\\t_agency_SA_MSE_joinRequestRespond-1.md",
      "relative_path": "maps\\SES\\chapter\\SA_multiState\\topics\\t_agency_SA_MSE_joinRequestRespond-1.md",
      "headings": [
        "Responding to a Request to Join a Supervisory Activity {#t_respond_SA_accessRequest .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_multiState/topics/t_agency_SA_MSE_joinRequestRespond-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_multiState/topics/t_agency_SA_MSE_joinRequestRespond.md:chunk-0",
      "title": "Responding to a Request to Join a Supervisory Activity {#t_respond_SA_accessRequest .task}",
      "content": "# Responding to a Request to Join a Supervisory Activity \n\nWhen multiple agencies come together to conduct a SA on a company, it is called a multi-state SA. It includes the lead agency \\(Examiner in Charge\\) and participating agencies. Participants from additional agencies can have the examiner/examiner reviewer roles.\n\n**Note:** Only participants \\(from participating agencies\\) have detail-level access. The workflow for a multi-state SA is the same as a single-state SA. Staff Directors or the EIC from the lead agency on a multi-state SA can approve a join request from a participating agency.\n\n1.  Click **Join Requests** from the home page to view the SA the agency is requesting to join.\n\n    \n\n2.  Click the **SA ID**.\n\n3.  Scroll down to view the join requests and click the **View Details** icon.\n\n    \n\n4.  Click **Review Request to Join**.\n\n    \n\n5.  Choose to either accept or reject the request.\n\n    1.  Select **Accept Request** and click **Accept Request**. Then, click **Confirm** to accept.\n\n        \n\n        \n\n    2.  Select **Reject Request**, provide a comment as to why the request is being rejected and click **Reject Request**.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_multiState\\topics\\t_agency_SA_MSE_joinRequestRespond.md",
      "relative_path": "maps\\SES\\chapter\\SA_multiState\\topics\\t_agency_SA_MSE_joinRequestRespond.md",
      "headings": [
        "Responding to a Request to Join a Supervisory Activity {#t_respond_SA_accessRequest .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_multiState/topics/t_agency_SA_MSE_joinRequestRespond.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_multiState/topics/t_agency_SA_MSE_joining.md:chunk-0",
      "title": "Joining a Supervisory Activity from the Home Page {#c_joiningASupervisoryActivity .task}",
      "content": "# Joining a Supervisory Activity from the Home Page \n\nWhen multiple agencies come together to conduct an SA on a company, it is called a multi-state SA. States are encouraged to partner-up on SAs to reduce the number of exams companies have to go through.\n\nMulti-state SAs include the lead agency \\(Examiner in Charge\\) and participating agencies. Participants from additional agencies can have the examiner/examiner reviewer roles.\n\n**Note:** Only participants \\(from participating agencies\\) have detail-level access. The workflow for multi-state is the same as a single-state SA.\n\n1.  Search for and select the **SA ID** you would like to access.\n\n    \n\n    \n\n2.  Click **Request to Join** in the top right.\n\n    \n\n3.  Select the desired **Role** for the user.\n\n    \n\n    **Note:** On a multi-state SA, you must designate one participant from your agency as the Team Lead. This designation does not grant the user any additional permissions, but it does provide a Team Lead indicator to other participating agencies and the company being examined.\n\n    \n\n    \n\n    **Note:** When adding an Examiner in Charge or other participants, if a calendar icon appears, it means that user is actively participating on other SAs. Click the **calendar icon**\n\n    \n\n    to see the current workload for the user.\n\n4.  Click **Request to Join**.\n\n    \n\nThe lead agency is notified of your request to join and the status of your request is displayed on the homepage.\n\nIf you need to add additional participants after submitting the request, reach out to the EIC at the lead agency and have them add the additional participants.\n\n**Parent topic:**Joining a Supervisory Activity\n\n**Related information**  \n\nJoining a Supervisory Activity from the Exam Scheduling Tool",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_multiState\\topics\\t_agency_SA_MSE_joining.md",
      "relative_path": "maps\\SES\\chapter\\SA_multiState\\topics\\t_agency_SA_MSE_joining.md",
      "headings": [
        "Joining a Supervisory Activity from the Home Page {#c_joiningASupervisoryActivity .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_multiState/topics/t_agency_SA_MSE_joining.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_multiState/topics/t_agency_SA_MSE_joiningFromExamSched-1.md:chunk-0",
      "title": "Joining a Supervisory Activity from the Exam Scheduling Tool {#t_agency_SA_MSE_joiningFromExamSched .task}",
      "content": "# Joining a Supervisory Activity from the Exam Scheduling Tool \n\nAfter creating a To Do list on the Exam Scheduling page, use this task to join SAs on your list.\n\n-   Building Your Exam Scheduling “To-Do List”\n-   Making and Confirming Decisions\n\n1.  click on the **SA ID** for the company for which you wish to conduct a joint exam.\n\n    \n\n    The system presents summary information about the SA.\n\n2.  Click **Request to Join** in the top right.\n\n    \n\n3.  Select the desired **Role** for the user.\n\n    \n\n    **Note:** On a multi-state SA, you must designate one participant from your agency as the Team Lead. This designation does not grant the user any additional permissions, but it does provide a Team Lead indicator to other participating agencies and the company being examined.\n\n    \n\n    \n\n    **Note:** When adding an Examiner in Charge or other participants, if a calendar icon appears, it means that user is actively participating on other SAs. Click the **calendar icon**\n\n    \n\n    to see the current workload for the user.\n\n4.  Click **Request to Join**.\n\n    \n\nThe lead agency is notified of your request to join and the status of your request is displayed on the homepage.\n\nIf you need to add additional participants after submitting the request, reach out to the EIC at the lead agency and have them add the additional participants.\n\n**Parent topic:**Joining a Supervisory Activity\n\n**Related information**  \n\nJoining a Supervisory Activity from the Home Page\n\nTaking Action on Your Exam Scheduling \"To Do\" List",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_multiState\\topics\\t_agency_SA_MSE_joiningFromExamSched-1.md",
      "relative_path": "maps\\SES\\chapter\\SA_multiState\\topics\\t_agency_SA_MSE_joiningFromExamSched-1.md",
      "headings": [
        "Joining a Supervisory Activity from the Exam Scheduling Tool {#t_agency_SA_MSE_joiningFromExamSched .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_multiState/topics/t_agency_SA_MSE_joiningFromExamSched-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_multiState/topics/t_agency_SA_MSE_joiningFromExamSched.md:chunk-0",
      "title": "Joining a Supervisory Activity from the Exam Scheduling Tool {#t_agency_SA_MSE_joiningFromExamSched .task}",
      "content": "# Joining a Supervisory Activity from the Exam Scheduling Tool \n\nAfter creating a To Do list on the Exam Scheduling page, use this task to join SAs on your list.\n\n-   Building Your Exam Scheduling “To-Do List”\n-   Making and Confirming Decisions\n\n1.  click on the **SA ID** for the company for which you wish to conduct a joint exam.\n\n    \n\n    The system presents summary information about the SA.\n\n2.  Click **Request to Join** in the top right.\n\n    \n\n3.  Select the desired **Role** for the user.\n\n    \n\n    **Note:** On a multi-state SA, you must designate one participant from your agency as the Team Lead. This designation does not grant the user any additional permissions, but it does provide a Team Lead indicator to other participating agencies and the company being examined.\n\n    \n\n    \n\n    **Note:** When adding an Examiner in Charge or other participants, if a calendar icon appears, it means that user is actively participating on other SAs. Click the **calendar icon**\n\n    \n\n    to see the current workload for the user.\n\n4.  Click **Request to Join**.\n\n    \n\nThe lead agency is notified of your request to join and the status of your request is displayed on the homepage.\n\nIf you need to add additional participants after submitting the request, reach out to the EIC at the lead agency and have them add the additional participants.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_multiState\\topics\\t_agency_SA_MSE_joiningFromExamSched.md",
      "relative_path": "maps\\SES\\chapter\\SA_multiState\\topics\\t_agency_SA_MSE_joiningFromExamSched.md",
      "headings": [
        "Joining a Supervisory Activity from the Exam Scheduling Tool {#t_agency_SA_MSE_joiningFromExamSched .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_multiState/topics/t_agency_SA_MSE_joiningFromExamSched.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_multiState/topics/t_agency_SA_MSE_leadAgency_Modify.md:chunk-0",
      "title": "Modifying the Lead Agency in a Multi-state SA {#t_agency_SA_MSE_leadAgency_Modify .task}",
      "content": "# Modifying the Lead Agency in a Multi-state SA \n\nIf the Lead Agency changes during the course of a multi-state supervisory activity \\(SA\\), you can reassign the lead agency and the Examiner in Charge before the report is sent or before the SA is closed.\n\n**Note:** Only the EIC and staff users from the current lead agency can modify the lead agency in a multi-state SA.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Related Actions**.\n\n3.  Click **Modify Lead Agency**.\n\n    \n\n4.  Select the **New Lead Agency**.\n\n    **Note:** The new lead agency must be an agency already participating on the SA.\n\n5.  Select the **New Lead EIC**.\n\n    **Note:** The new EIC must be a participant on the SA.\n\n6.  Select if you would like to remain as an active participant on the SA.\n\n    **Note:** All the other participants from the old lead agency will remain on the SA in their original roles.\n\n7.  Click **Modify Lead Agency**.\n\nThe new EIC receives a notification that they have been made the EIC on the SA and their agency is now the lead agency on the SA.\n\nThe system updates the role of the previous lead agency to a participating agency.\n\nThe company lead receives a notification of the new lead agency and the new EIC of the supervisory activity. If the company lead has not been assigned, the SA contact receives the notification.\n\n**Parent topic:**Networked Supervision\n\n**Related information**  \n\nCommunicating with Other Agencies\n\nMore about Summary Level View vs Detail Level Access for a Supervisory Activity\n\nRequesting Access to a Supervisory Activity\n\nResponding to a Request to Access a Supervisory Activity\n\nInvitations to Join a Supervisory Activity\n\nJoining a Supervisory Activity\n\nResponding to a Request to Join a Supervisory Activity\n\nAccepting a Supervisory Activity\n\nLeveraging Another Agency's Supervisory Activity\n\nSA Records Created by CSBS Support Staff",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_multiState\\topics\\t_agency_SA_MSE_leadAgency_Modify.md",
      "relative_path": "maps\\SES\\chapter\\SA_multiState\\topics\\t_agency_SA_MSE_leadAgency_Modify.md",
      "headings": [
        "Modifying the Lead Agency in a Multi-state SA {#t_agency_SA_MSE_leadAgency_Modify .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_multiState/topics/t_agency_SA_MSE_leadAgency_Modify.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_multiState/topics/t_agency_SA_MSE_leverage_InitiateExamSched-1.md:chunk-0",
      "title": "Initiating a Leveraged SA from the Exam Scheduling Page {#t_agency_SA_MSE_leverage_InitiateExamSched .task}",
      "content": "# Initiating a Leveraged SA from the Exam Scheduling Page \n\nIf you are Leveraging an exam, you can do so from the Exam Scheduling Page or the Home page.\n\n**Note:** To leverage or accept another agency's supervisory activity, you must first request and be granted access to the SA from the agency that conducted the SA.\n\n-   Requesting Access to a Supervisory Activity\n-   Building Your Exam Scheduling “To-Do List”\n\n**Note:** To initiate an SA, you must be assigned the staff user or staff director role.\n\n1.  Click the **Company SES ID** link for the Supervisory Activity you decided to leverage on the Ready and In Review list on the Exam Scheduling Items page.\n\n    \n\n2.  Click **Initiate Supervisory Activity**.\n\n    \n\n    This initiates a new SA where you can select `Leveraged` for**Scope Type**.\n\n    \n\n3.  Select **Leveraged** for **Scope Type**.\n\n4.  Enter the desired **Leveraged SA ID**.\n\n5.  Complete all required fields in the Basic Details section.\n\n    **Note:** You can select an **Exact Start Date** when confirming the initiation of a Supervisory Activity. This field is optional and the definition of “start date” will vary by agency.\n\n6.  Select the relevant **Business Types** and **Business Activities** for the SA.\n\n    **Note:** Multiple items can be selected from these two drop-down menus. To clear a selected item, click the highlighted item again.\n\n7.  Upload any relevant documents.\n\n8.  Click **Next**.\n\n9.  Add any desired information in the Related Entities section.\n\n10. Click **Next**.\n\n11. Click **Add Participants**.\n\n12. Search for and select the desired member of your staff and assign as EIC.\n\n    **Note:** You do not need to add any participants to initiate an SA, but it is a best practice to assign an EIC at this stage in the process.\n\n    \n\n13. Click **Next**.\n\n    **Note:** When adding an Examiner in Charge or other participants, if a calendar icon appears, it means that user is actively participating on other SAs. Click the **calendar icon**\n\n    \n\n",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_multiState\\topics\\t_agency_SA_MSE_leverage_InitiateExamSched-1.md",
      "relative_path": "maps\\SES\\chapter\\SA_multiState\\topics\\t_agency_SA_MSE_leverage_InitiateExamSched-1.md",
      "headings": [
        "Initiating a Leveraged SA from the Exam Scheduling Page {#t_agency_SA_MSE_leverage_InitiateExamSched .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_multiState/topics/t_agency_SA_MSE_leverage_InitiateExamSched-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_multiState/topics/t_agency_SA_MSE_leverage_InitiateExamSched-1.md:chunk-1",
      "title": "Initiating a Leveraged SA from the Exam Scheduling Page {#t_agency_SA_MSE_leverage_InitiateExamSched .task}",
      "content": "xt**.\n\n    **Note:** When adding an Examiner in Charge or other participants, if a calendar icon appears, it means that user is actively participating on other SAs. Click the **calendar icon**\n\n    \n\n    to see the current workload for the user.\n\n14. Ensure the information provided is correct.\n\n15. Select **Schedule Supervisory Activity** from the Next Action section.\n\n    **Note:** You also have the option of Sending a Supervisory Activity for Review.\n\n16. Click **Initiate Supervisory Activity** in the bottom right.\n\n    It may take a few seconds, but the newly initiated SA will appear in the supervisory activities section within the Active quick filter.\n\n    \n\n**Parent topic:**Leveraging Another Agency's Supervisory Activity\n\n**Related information**  \n\nInitiating a Leveraged SA from the Home Page\n\nBypassing the Report for a Leveraged SA\n\nTaking Action on Your Exam Scheduling \"To Do\" List",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_multiState\\topics\\t_agency_SA_MSE_leverage_InitiateExamSched-1.md",
      "relative_path": "maps\\SES\\chapter\\SA_multiState\\topics\\t_agency_SA_MSE_leverage_InitiateExamSched-1.md",
      "headings": [
        "Initiating a Leveraged SA from the Exam Scheduling Page {#t_agency_SA_MSE_leverage_InitiateExamSched .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_multiState/topics/t_agency_SA_MSE_leverage_InitiateExamSched-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_multiState/topics/t_agency_SA_MSE_leverage_InitiateExamSched.md:chunk-0",
      "title": "Initiating a Leveraged SA from the Exam Scheduling Page {#t_agency_SA_MSE_leverage_InitiateExamSched .task}",
      "content": "# Initiating a Leveraged SA from the Exam Scheduling Page \n\nIf you are Leveraging an exam, you can do so from the Exam Scheduling Page or the Home page.\n\n**Note:** To leverage or accept another agency's supervisory activity, you must first request and be granted access to the SA from the agency that conducted the SA.\n\n-   Requesting Access to a Supervisory Activity\n-   Building Your Exam Scheduling “To-Do List”\n\n**Note:** To initiate an SA, you must be assigned the staff user or staff director role.\n\n1.  Click the **Company SES ID** link for the Supervisory Activity you decided to leverage on the Ready and In Review list on the Exam Scheduling Items page.\n\n    \n\n2.  Click **Initiate Supervisory Activity**.\n\n    \n\n    This initiates a new SA where you can select `Leveraged` for**Scope Type**.\n\n    \n\n3.  Select **Leveraged** for **Scope Type**.\n\n4.  Enter the desired **Leveraged SA ID**.\n\n5.  Complete all required fields in the Basic Details section.\n\n    **Note:** You can select an **Exact Start Date** when confirming the initiation of a Supervisory Activity. This field is optional and the definition of “start date” will vary by agency.\n\n6.  Select the relevant **Business Types** and **Business Activities** for the SA.\n\n    **Note:** Multiple items can be selected from these two drop-down menus. To clear a selected item, click the highlighted item again.\n\n7.  Upload any relevant documents.\n\n8.  Click **Next**.\n\n9.  Add any desired information in the Related Entities section.\n\n10. Click **Next**.\n\n11. Click **Add Participants**.\n\n12. Search for and select the desired member of your staff and assign as EIC.\n\n    **Note:** You do not need to add any participants to initiate an SA, but it is a best practice to assign an EIC at this stage in the process.\n\n    \n\n13. Click **Next**.\n\n    **Note:** When adding an Examiner in Charge or other participants, if a calendar icon appears, it means that user is actively participating on other SAs. Click the **calendar icon**\n\n    \n\n",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_multiState\\topics\\t_agency_SA_MSE_leverage_InitiateExamSched.md",
      "relative_path": "maps\\SES\\chapter\\SA_multiState\\topics\\t_agency_SA_MSE_leverage_InitiateExamSched.md",
      "headings": [
        "Initiating a Leveraged SA from the Exam Scheduling Page {#t_agency_SA_MSE_leverage_InitiateExamSched .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_multiState/topics/t_agency_SA_MSE_leverage_InitiateExamSched.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_multiState/topics/t_agency_SA_MSE_leverage_InitiateExamSched.md:chunk-1",
      "title": "Initiating a Leveraged SA from the Exam Scheduling Page {#t_agency_SA_MSE_leverage_InitiateExamSched .task}",
      "content": "xt**.\n\n    **Note:** When adding an Examiner in Charge or other participants, if a calendar icon appears, it means that user is actively participating on other SAs. Click the **calendar icon**\n\n    \n\n    to see the current workload for the user.\n\n14. Ensure the information provided is correct.\n\n15. Select **Schedule Supervisory Activity** from the Next Action section.\n\n    **Note:** You also have the option of Sending a Supervisory Activity for Review.\n\n16. Click **Initiate Supervisory Activity** in the bottom right.\n\n    It may take a few seconds, but the newly initiated SA will appear in the supervisory activities section within the Active quick filter.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_multiState\\topics\\t_agency_SA_MSE_leverage_InitiateExamSched.md",
      "relative_path": "maps\\SES\\chapter\\SA_multiState\\topics\\t_agency_SA_MSE_leverage_InitiateExamSched.md",
      "headings": [
        "Initiating a Leveraged SA from the Exam Scheduling Page {#t_agency_SA_MSE_leverage_InitiateExamSched .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_multiState/topics/t_agency_SA_MSE_leverage_InitiateExamSched.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_multiState/topics/t_agency_SA_MSE_leverage_InitiateHomePage.md:chunk-0",
      "title": "Initiating a Leveraged SA from the Home Page {#t_agency_SA_MSE_leverage_InitiateHomePage .task}",
      "content": "# Initiating a Leveraged SA from the Home Page \n\nIf you are Leveraging an exam, you can do so from the Exam Scheduling Page or the Home page.\n\n**Note:** To leverage or accept another agency's supervisory activity, you must first request and be granted access to the SA from the agency that conducted the SA.\n\nRequesting Access to a Supervisory Activity\n\n**Note:** To initiate an SA, you must be assigned the staff user or staff director role.\n\n1.  Click **Initiate Supervisory Activity** on the SES home page.\n\n    \n\n2.  Search for the company.\n\n    \n\n    **Important:** You must click **Search**. Pressing the **Enter** key does not generate search results.\n\n3.  Select the company from the list and click **Next**.\n\n    **Note:** The system displays Previously Conducted Supervisory Activities, Ongoing Supervisory Activities, and Exams That Your Agency Has Detail Levl Access To. Use these views to potentially join, accept, or leverage an exam.\n\n4.  Choose the **Exam** option and `Leveraged` as the **Scope type**.\n\n    \n\n5.  Type the **Leveraged SA ID**.\n\n6.  Complete all required fields in the Basic Details section.\n\n    **Note:** You can select an **Exact Start Date** when confirming the initiation of a Supervisory Activity. This field is optional and the definition of “start date” will vary by agency.\n\n7.  Select the relevant **Business Types** and **Business Activities** for the SA.\n\n    **Note:** Multiple items can be selected from these two drop-down menus. To clear a selected item, click the highlighted item again.\n\n8.  Upload any relevant documents.\n\n9.  Click **Next**.\n\n10. Add any desired information in the Related Entities section.\n\n11. Click **Next**.\n\n12. Click **Add Participants**.\n\n13. Search for and select the desired member of your staff and assign as EIC.\n\n    **Note:** You do not need to add any participants to initiate an SA, but it is a best practice to assign an EIC at this stage in the process.\n\n    \n\n14. Click **Next**.\n\n    **Note:** When adding an Ex",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_multiState\\topics\\t_agency_SA_MSE_leverage_InitiateHomePage.md",
      "relative_path": "maps\\SES\\chapter\\SA_multiState\\topics\\t_agency_SA_MSE_leverage_InitiateHomePage.md",
      "headings": [
        "Initiating a Leveraged SA from the Home Page {#t_agency_SA_MSE_leverage_InitiateHomePage .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_multiState/topics/t_agency_SA_MSE_leverage_InitiateHomePage.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_multiState/topics/t_agency_SA_MSE_leverage_InitiateHomePage.md:chunk-1",
      "title": "Initiating a Leveraged SA from the Home Page {#t_agency_SA_MSE_leverage_InitiateHomePage .task}",
      "content": "*Note:** You do not need to add any participants to initiate an SA, but it is a best practice to assign an EIC at this stage in the process.\n\n    \n\n14. Click **Next**.\n\n    **Note:** When adding an Examiner in Charge or other participants, if a calendar icon appears, it means that user is actively participating on other SAs. Click the **calendar icon**\n\n    \n\n    to see the current workload for the user.\n\n15. Ensure the information provided is correct.\n\n16. Select **Schedule Supervisory Activity** from the Next Action section.\n\n    **Note:** You also have the option of Sending a Supervisory Activity for Review.\n\n17. Click **Initiate Supervisory Activity** in the bottom right.\n\n    It may take a few seconds, but the newly initiated SA will appear in the supervisory activities section within the Active quick filter.\n\n    \n\nAfter defining the scope, you have the option of moving the SA to the “In-Flight” milestone and the rest of the SA is opened up to your agency except for the closure details and the closure form.\n\nFrom this point, conduct the SA like you usually would.\n\nThe company is not notified about the leveraged SA until you make contact with them by sending them something via the system like an information request or a loan request. At that point, the company just needs to assign a company lead for the SA and they interact with the SA in the same way as a non-leveraged SA.\n\nAll leveraged SAs appear on the SA Acceptance and Leverage Report. See Viewing the SA Acceptance and Leverage Report for more information.\n\n**Parent topic:**Leveraging Another Agency's Supervisory Activity\n\n**Related information**  \n\nInitiating a Leveraged SA from the Exam Scheduling Page\n\nBypassing the Report for a Leveraged SA",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_multiState\\topics\\t_agency_SA_MSE_leverage_InitiateHomePage.md",
      "relative_path": "maps\\SES\\chapter\\SA_multiState\\topics\\t_agency_SA_MSE_leverage_InitiateHomePage.md",
      "headings": [
        "Initiating a Leveraged SA from the Home Page {#t_agency_SA_MSE_leverage_InitiateHomePage .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_multiState/topics/t_agency_SA_MSE_leverage_InitiateHomePage.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_multiState/topics/t_agency_SA_MSE_leverage_bypassReport.md:chunk-0",
      "title": "Bypassing the Report for a Leveraged SA {#t_agency_SA_MSE_leverage_bypassReport .task}",
      "content": "# Bypassing the Report for a Leveraged SA \n\nYou can skip over the report for a leveraged SA.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Report**.\n\n3.  Click **Bypass Report**.\n\n    \n\n    **Note:** This is done if you leveraged the SA and agreed with the final report and did not want to add anything further.\n\n4.  Click **Bypass Report**.\n\n    \n\nThis automatically moves the report to complete and makes the Close Out section available.\n\n**Parent topic:**Leveraging Another Agency's Supervisory Activity\n\n**Related information**  \n\nInitiating a Leveraged SA from the Home Page\n\nInitiating a Leveraged SA from the Exam Scheduling Page",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_multiState\\topics\\t_agency_SA_MSE_leverage_bypassReport.md",
      "relative_path": "maps\\SES\\chapter\\SA_multiState\\topics\\t_agency_SA_MSE_leverage_bypassReport.md",
      "headings": [
        "Bypassing the Report for a Leveraged SA {#t_agency_SA_MSE_leverage_bypassReport .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_multiState/topics/t_agency_SA_MSE_leverage_bypassReport.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_multiState/topics/t_agency_SA_MSE_managingAccessAutomaticApproval-1.md:chunk-0",
      "title": "Managing SA Access Request Auto Approvals {#xd_b6f3292d7d3ee466--57efb9ca-188157a57ab--7ffd .task}",
      "content": "# Managing SA Access Request Auto Approvals \n\nStaff directors can choose the agencies that are automatically approved for detail level access to supervisory activities \\(SAs\\) when an access request is sent.\n\nYou may choose to set up automatic approvals for other agencies when they request access to your SAs.\n\nWhen setting up automatic approvals, you must choose a **Minimum Milestone** at which the automatic approval is granted. The minimum milestone applies to all agencies that are set up to be automatically approved when they send an access request.\n\nWhen an SA reaches the minimum milestone, and an agency that has been added to your auto approval list requests to join an SA, that agency will automatically be granted access to the SA by the system.\n\n1.  Click **Manage Agency Profile** on the homepage.\n\n    \n\n2.  Click the **Access Request Auto Approval** tab.\n\n    \n\n3.  Click **Set Up Auto Approvals**.\n\n    \n\n4.  Select the **Minimum Milestone**.\n\n    **Note:** If your agency sets up access request automatic approval for other agencies at a certain minimum milestone \\(e.g., **Closed**\\) and another agency requests access before the **Closed** milestone, \\(e.g., **In Flight**\\), the request remains pending until it reaches the **Closed** milestone, at which time that agency is automatically granted detail level access.\n\n5.  Add the desired agencies.\n\n6.  Click **Add Auto Approval**.\n\n    \n\n    All agencies on this list are automatically granted detail level access to SAs that they request access to when the SA has reached the designated minimum milestone. The automatic approval settings are applied to any pending access requests, but existing decisions that have been made manually will not be impacted.\n\n7.  You can update your automatic approval settings \\(e.g., change the minimum milestone and add or remove agencies\\) at any time by following the steps above.\n\n    **Note:** The **Add Auto Approval** buttons will change to **Manage Auto Approval** and **Confirm Chan",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_multiState\\topics\\t_agency_SA_MSE_managingAccessAutomaticApproval-1.md",
      "relative_path": "maps\\SES\\chapter\\SA_multiState\\topics\\t_agency_SA_MSE_managingAccessAutomaticApproval-1.md",
      "headings": [
        "Managing SA Access Request Auto Approvals {#xd_b6f3292d7d3ee466--57efb9ca-188157a57ab--7ffd .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_multiState/topics/t_agency_SA_MSE_managingAccessAutomaticApproval-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_multiState/topics/t_agency_SA_MSE_managingAccessAutomaticApproval-1.md:chunk-1",
      "title": "Managing SA Access Request Auto Approvals {#xd_b6f3292d7d3ee466--57efb9ca-188157a57ab--7ffd .task}",
      "content": "the minimum milestone and add or remove agencies\\) at any time by following the steps above.\n\n    **Note:** The **Add Auto Approval** buttons will change to **Manage Auto Approval** and **Confirm Changes**.\n\n    \n\n**Parent topic:**Responding to a Request to Access a Supervisory Activity\n\n**Related information**  \n\nResponding to an SA Access Request Using the Home Page Widget\n\nResponding to an SA Access Request Using the Access Request Report\n\nRemoving an Approved Supervisory Activity Access Request",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_multiState\\topics\\t_agency_SA_MSE_managingAccessAutomaticApproval-1.md",
      "relative_path": "maps\\SES\\chapter\\SA_multiState\\topics\\t_agency_SA_MSE_managingAccessAutomaticApproval-1.md",
      "headings": [
        "Managing SA Access Request Auto Approvals {#xd_b6f3292d7d3ee466--57efb9ca-188157a57ab--7ffd .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_multiState/topics/t_agency_SA_MSE_managingAccessAutomaticApproval-1.html",
      "snippet": null
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    {
      "id": "maps/SES/chapter/SA_multiState/topics/t_agency_SA_MSE_managingAccessAutomaticApproval.md:chunk-0",
      "title": "Managing SA Access Request Auto Approvals {#xd_b6f3292d7d3ee466--57efb9ca-188157a57ab--7ffd .task}",
      "content": "# Managing SA Access Request Auto Approvals \n\nStaff directors can choose the agencies that are automatically approved for detail level access to supervisory activities \\(SAs\\) when an access request is sent.\n\nYou may choose to set up automatic approvals for other agencies when they request access to your SAs.\n\nWhen setting up automatic approvals, you must choose a **Minimum Milestone** at which the automatic approval is granted. The minimum milestone applies to all agencies that are set up to be automatically approved when they send an access request.\n\nWhen an SA reaches the minimum milestone, and an agency that has been added to your auto approval list requests to join an SA, that agency will automatically be granted access to the SA by the system.\n\n1.  Click **Manage Agency Profile** on the homepage.\n\n    \n\n2.  Click the **Access Request Auto Approval** tab.\n\n    \n\n3.  Click **Set Up Auto Approvals**.\n\n    \n\n4.  Select the **Minimum Milestone**.\n\n    **Note:** If your agency sets up access request automatic approval for other agencies at a certain minimum milestone \\(e.g., **Closed**\\) and another agency requests access before the **Closed** milestone, \\(e.g., **In Flight**\\), the request remains pending until it reaches the **Closed** milestone, at which time that agency is automatically granted detail level access.\n\n5.  Add the desired agencies.\n\n6.  Click **Add Auto Approval**.\n\n    \n\n    All agencies on this list are automatically granted detail level access to SAs that they request access to when the SA has reached the designated minimum milestone. The automatic approval settings are applied to any pending access requests, but existing decisions that have been made manually will not be impacted.\n\n7.  You can update your automatic approval settings \\(e.g., change the minimum milestone and add or remove agencies\\) at any time by following the steps above.\n\n    **Note:** The **Add Auto Approval** buttons will change to **Manage Auto Approval** and **Confirm Chan",
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      "relative_path": "maps\\SES\\chapter\\SA_multiState\\topics\\t_agency_SA_MSE_managingAccessAutomaticApproval.md",
      "headings": [
        "Managing SA Access Request Auto Approvals {#xd_b6f3292d7d3ee466--57efb9ca-188157a57ab--7ffd .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_multiState/topics/t_agency_SA_MSE_managingAccessAutomaticApproval.html",
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    {
      "id": "maps/SES/chapter/SA_multiState/topics/t_agency_SA_MSE_managingAccessAutomaticApproval.md:chunk-1",
      "title": "Managing SA Access Request Auto Approvals {#xd_b6f3292d7d3ee466--57efb9ca-188157a57ab--7ffd .task}",
      "content": "the minimum milestone and add or remove agencies\\) at any time by following the steps above.\n\n    **Note:** The **Add Auto Approval** buttons will change to **Manage Auto Approval** and **Confirm Changes**.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_multiState\\topics\\t_agency_SA_MSE_managingAccessAutomaticApproval.md",
      "relative_path": "maps\\SES\\chapter\\SA_multiState\\topics\\t_agency_SA_MSE_managingAccessAutomaticApproval.md",
      "headings": [
        "Managing SA Access Request Auto Approvals {#xd_b6f3292d7d3ee466--57efb9ca-188157a57ab--7ffd .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_multiState/topics/t_agency_SA_MSE_managingAccessAutomaticApproval.html",
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    {
      "id": "maps/SES/chapter/SA_multiState/topics/t_agency_SA_MSE_updatingShellExam-1.md:chunk-0",
      "title": "Updating SA Records Created by CSBS Support Staff {#xd_3daaf0d126289c2f-936c3ba-1866aa53950--7ff6 .task}",
      "content": "# Updating SA Records Created by CSBS Support Staff \n\nAgencies can update the basic details of supervisory activity \\(SA\\) records created by CSBS support staff.\n\nThe staff director from the lead agency identified in an SA record created by CSBS support staff can update the basic details of the SA.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click the **Details** tab.\n\n    \n\n3.  Click the **Update Basic Details** button.\n\n    \n\n4.  Update the location, target start month, target start year, exact start date, or scope type for the SA.\n\n    **Note:** You can update the scope type any time before the report is sent to the company. If you change the scope type to Leveraged, you must enter the SA ID of the SA that you are leveraging. See Leveraging Another Agency's Supervisory Activity for more information.\n\n5.  Click the **Update Basic Details** button.\n\n    \n\n**Parent topic:**SA Records Created by CSBS Support Staff",
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      "relative_path": "maps\\SES\\chapter\\SA_multiState\\topics\\t_agency_SA_MSE_updatingShellExam-1.md",
      "headings": [
        "Updating SA Records Created by CSBS Support Staff {#xd_3daaf0d126289c2f-936c3ba-1866aa53950--7ff6 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_multiState/topics/t_agency_SA_MSE_updatingShellExam-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_multiState/topics/t_agency_SA_MSE_updatingShellExam.md:chunk-0",
      "title": "Updating SA Records Created by CSBS Support Staff {#xd_3daaf0d126289c2f-936c3ba-1866aa53950--7ff6 .task}",
      "content": "# Updating SA Records Created by CSBS Support Staff \n\nAgencies can update the basic details of supervisory activity \\(SA\\) records created by CSBS support staff.\n\nThe staff director from the lead agency identified in an SA record created by CSBS support staff can update the basic details of the SA.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click the **Details** tab.\n\n    \n\n3.  Click the **Update Basic Details** button.\n\n    \n\n4.  Update the location, target start month, target start year, exact start date, or scope type for the SA.\n\n    **Note:** You can update the scope type any time before the report is sent to the company. If you change the scope type to Leveraged, you must enter the SA ID of the SA that you are leveraging. See Leveraging Another Agency's Supervisory Activity for more information.\n\n5.  Click the **Update Basic Details** button.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_multiState\\topics\\t_agency_SA_MSE_updatingShellExam.md",
      "relative_path": "maps\\SES\\chapter\\SA_multiState\\topics\\t_agency_SA_MSE_updatingShellExam.md",
      "headings": [
        "Updating SA Records Created by CSBS Support Staff {#xd_3daaf0d126289c2f-936c3ba-1866aa53950--7ff6 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_multiState/topics/t_agency_SA_MSE_updatingShellExam.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_multiState/topics/t_agency_agencySearchTask-1.md:chunk-0",
      "title": "Searching for Other Agencies {#xd_3747411dd0694a4c--1b4b9ae1-1820c231ced--7ffa .task}",
      "content": "# Searching for Other Agencies \n\nUsers with the staff director or staff user role can search for other agencies and view their profile information, users contact information, and supervisory activities.\n\nWhen a staff user or staff director accesses the SES Home Page, the Agency Management widget is visible on the left side of the page.\n\n1.  Click **Search Agencies**.\n\n    The Agencies list page is displayed.\n\n    \n\n2.  To search for a specific agency, click **Show Filters**.\n\n    \n\n3.  Filter the list using the following options:\n\n    -   **Agency Name**: type the full or partial name of the agency. If you do not select a **State**, then all agencies with a name containing the text you type will appear in the results.\n    -   **State**: search by state alone to view all the agencies in the chosen state or U.S. territory. Use with **Agency Name** to search for an agency for which you know part or all of the name, and the state or territory.\n    -   **Active in SES?**: Choose **yes** or **no** as appropriate.\n4.  Click **Search**.\n\n5.  Click the agency's name to view the agency record.\n\nRefer to Viewing an Agency's Record for specific steps to use in viewing the agency's record.\n\n**Parent topic:**Communicating with Other Agencies\n\n**Previous topic:**Communicating with Other Agencies\n\n**Next topic:**Viewing an Agency's Record",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_multiState\\topics\\t_agency_agencySearchTask-1.md",
      "relative_path": "maps\\SES\\chapter\\SA_multiState\\topics\\t_agency_agencySearchTask-1.md",
      "headings": [
        "Searching for Other Agencies {#xd_3747411dd0694a4c--1b4b9ae1-1820c231ced--7ffa .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_multiState/topics/t_agency_agencySearchTask-1.html",
      "snippet": null
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    {
      "id": "maps/SES/chapter/SA_multiState/topics/t_agency_agencySearchTask.md:chunk-0",
      "title": "Searching for Other Agencies {#xd_3747411dd0694a4c--1b4b9ae1-1820c231ced--7ffa .task}",
      "content": "# Searching for Other Agencies \n\nUsers with the staff director or staff user role can search for other agencies and view their profile information, users contact information, and supervisory activities.\n\nWhen a staff user or staff director accesses the SES Home Page, the Agency Management widget is visible on the left side of the page.\n\n1.  Click **Search Agencies**.\n\n    The Agencies list page is displayed.\n\n    \n\n2.  To search for a specific agency, click **Show Filters**.\n\n    \n\n3.  Filter the list using the following options:\n\n    -   **Agency Name**: type the full or partial name of the agency. If you do not select a **State**, then all agencies with a name containing the text you type will appear in the results.\n    -   **State**: search by state alone to view all the agencies in the chosen state or U.S. territory. Use with **Agency Name** to search for an agency for which you know part or all of the name, and the state or territory.\n    -   **Active in SES?**: Choose **yes** or **no** as appropriate.\n4.  Click **Search**.\n\n5.  Click the agency's name to view the agency record.\n\nRefer to Viewing an Agency's Record for specific steps to use in viewing the agency's record.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_multiState\\topics\\t_agency_agencySearchTask.md",
      "relative_path": "maps\\SES\\chapter\\SA_multiState\\topics\\t_agency_agencySearchTask.md",
      "headings": [
        "Searching for Other Agencies {#xd_3747411dd0694a4c--1b4b9ae1-1820c231ced--7ffa .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_multiState/topics/t_agency_agencySearchTask.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_multiState/topics/t_agency_agencySearch_viewAgencyRecord.md:chunk-0",
      "title": "Viewing an Agency's Record {#xd_3747411dd0694a4c--1b4b9ae1-1820c231ced--7ff9 .task}",
      "content": "# Viewing an Agency's Record \n\nUsers with the staff director or staff user role can view the record of agencies found using the**Search Agencies** feature.\n\nRefer to Searching for Other Agencies to find and open the record for a specfic agency.\n\nThe agency record page contains tabs that allow you to view the agency's profile, user profiles with contact information, and supervisory activities.\n\nThe Summary tab includes basic information about the agency, including the Business Types and Business Activities Supervised, as well as their Agency Accreditation Information. See the CSBS Accreditation Website for more information on the agency accreditation process at CSBS.\n\nThe Agency Users tab allows you to filter users by various criteria, such as role, complaints access, and user status. The Supervisory Activities tab allows you to view all supervisory activities in which the agency is a participant, and allows you to filter the list by numerous criteria.\n\nUsers with the staff director role can request access to supervisory activities, and request to join supervisory activities that are in progress.\n\n1.  >To view a user record from the agency, click **Agency Users**.\n\n    **Note:** The **Active** filter view is shown by default.\n\n    \n\n    1.  Scroll the list or click **Show Filters** and filter the list as appropriate.\n\n    2.  Click a user's name to view that user's profile.\n\n2.  To view a Supervisory Activity in which the agency is participating, or to view the record of a company being examined, click **Supervisory Activities**.\n\n    \n\n    1.  Click **Show Filters** to filter the list of SAs.\n\n        \n\n        **Note:** The agency name is preselected in **Participating Agency**. This is the filter that generated the full list of Supervisory Activities including this agency. To view only those SAs which this ageny initiated or is leading, select the agency's name from the **Lead Agency** list as well.\n\n    2.  Click **Search** to filter the list with your criteria.\n",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_multiState\\topics\\t_agency_agencySearch_viewAgencyRecord.md",
      "relative_path": "maps\\SES\\chapter\\SA_multiState\\topics\\t_agency_agencySearch_viewAgencyRecord.md",
      "headings": [
        "Viewing an Agency's Record {#xd_3747411dd0694a4c--1b4b9ae1-1820c231ced--7ff9 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_multiState/topics/t_agency_agencySearch_viewAgencyRecord.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_multiState/topics/t_agency_agencySearch_viewAgencyRecord.md:chunk-1",
      "title": "Viewing an Agency's Record {#xd_3747411dd0694a4c--1b4b9ae1-1820c231ced--7ff9 .task}",
      "content": "ency. To view only those SAs which this ageny initiated or is leading, select the agency's name from the **Lead Agency** list as well.\n\n    2.  Click **Search** to filter the list with your criteria.\n\n    3.  Click **Reset** to start over with new criteria.\n\n    4.  Click an **SA ID** to view the Supervisory Activity.\n\n    5.  Click a **Company** name to view the record of a company examined by this agency.\n\n**Parent topic:**Communicating with Other Agencies\n\n**Previous topic:**Searching for Other Agencies\n\n**Next topic:**More about Summary Level View vs Detail Level Access for a Supervisory Activity\n\n**Related information**  \n\nRequesting Access to a Supervisory Activity\n\nJoining a Supervisory Activity",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_multiState\\topics\\t_agency_agencySearch_viewAgencyRecord.md",
      "relative_path": "maps\\SES\\chapter\\SA_multiState\\topics\\t_agency_agencySearch_viewAgencyRecord.md",
      "headings": [
        "Viewing an Agency's Record {#xd_3747411dd0694a4c--1b4b9ae1-1820c231ced--7ff9 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_multiState/topics/t_agency_agencySearch_viewAgencyRecord.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_specific/images/t_agency_libraryMgt_IR_export.md:chunk-0",
      "title": "Exporting All Information Requests from the Library {#xd_1ab8b1d930f5fc99-50fd08ba-188f2b7a636--7ffc .task}",
      "content": "# Exporting All Information Requests from the Library \n\nYou can export all information requests and associated procedures from the SES Library.\n\nThis procedure allows you to see an export of all information requests and associated procedures in one place. This is helpful when you are limited by the number of information requests that can be displayed per page in SES or you want to use the filtering capabilities available in Microsoft Excel.\n\n1.  Log into SES as a Staff Director or User role.\n\n2.  Click **View and Manage Library** on the home page.\n\n    \n\n3.  Click the **Information Requests** tab if it is not already active.\n\n4.  Click **Export All Information Requests**.\n\n    \n\nThe export is emailed to the requesting user the next day.\n\n**Parent topic:**Managing the Library",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_specific\\images\\t_agency_libraryMgt_IR_export.md",
      "relative_path": "maps\\SES\\chapter\\SA_specific\\images\\t_agency_libraryMgt_IR_export.md",
      "headings": [
        "Exporting All Information Requests from the Library {#xd_1ab8b1d930f5fc99-50fd08ba-188f2b7a636--7ffc .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_specific/images/t_agency_libraryMgt_IR_export.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_specific/images/t_agency_libraryMgt_procedure_export.md:chunk-0",
      "title": "Exporting All Procedures from the Library {#xd_1ab8b1d930f5fc99-50fd08ba-188f2b7a636--7ffb .task}",
      "content": "# Exporting All Procedures from the Library \n\nYou can export all procedures and associated information requests from the SES Library.\n\nThis procedure allows you to see an export of all procedures and associated information requests in one place. This is helpful when you are limited by the number of information requests that can be displayed per page in SES or you want to use the filtering capabilities available in Microsoft Excel.\n\n1.  Log into SES as a Staff Director or User role.\n\n2.  Click **View and Manage Library** on the home page.\n\n    \n\n3.  Click the **Procedures** tab if it is not already active.\n\n4.  Click **Export All Procedures**.\n\n    \n\nThe export is emailed to the requesting user the next day.\n\n**Parent topic:**Managing the Library",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_specific\\images\\t_agency_libraryMgt_procedure_export.md",
      "relative_path": "maps\\SES\\chapter\\SA_specific\\images\\t_agency_libraryMgt_procedure_export.md",
      "headings": [
        "Exporting All Procedures from the Library {#xd_1ab8b1d930f5fc99-50fd08ba-188f2b7a636--7ffb .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_specific/images/t_agency_libraryMgt_procedure_export.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_specific/topics/c_agency_SA_Reviewing.md:chunk-0",
      "title": "Reviewing a Newly-Initiated Supervisory Activity {#xd_80647b36c08634d1--224c7740-180a488b21a--7fe8 .concept}",
      "content": "# Reviewing a Newly-Initiated Supervisory Activity \n\nThe staff director or staff user who initiated a supervisory activity \\(SA\\) has the option of sending the SA for review to one or more staff directors before it is scheduled.\n\nIf the newly initiated SA is sent for review, the primary reviewer \\(first reviewer assigned\\) has the task of making the approval decision of whether to schedule the SA.\n\n**Note:** In order to review the SA as the primary reviewer, you must be logged in as a staff director.\n\n-   **Reviewing the SA as the Primary Reviewer**  \nStaff directors can serve as the primary reviewer for supervisory activities to review the scheduling for the SAs.\n-   **Reviewing the SA as an Additional Reviewer**  \nScheduling review is not limited to a single staff director. Other agency users may serve as reviewers and add any comments for the primary reviewer.\n\n**Parent topic:**Conducting a Supervisory Activity\n\n**Previous topic:**Sending a Supervisory Activity for Review\n\n**Next topic:**Reviewing the SA as the Primary Reviewer",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_specific\\topics\\c_agency_SA_Reviewing.md",
      "relative_path": "maps\\SES\\chapter\\SA_specific\\topics\\c_agency_SA_Reviewing.md",
      "headings": [
        "Reviewing a Newly-Initiated Supervisory Activity {#xd_80647b36c08634d1--224c7740-180a488b21a--7fe8 .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_specific/topics/c_agency_SA_Reviewing.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_specific/topics/c_agency_chapStart_ConductSA.md:chunk-0",
      "title": "Conducting a Supervisory Activity {#c_agency_chapStart_ConductSA .concept}",
      "content": "# Conducting a Supervisory Activity \n\nA Supervisory Activity is an activity conducted by a state agency over a financial institution under its regulatory authority. It includes Examination, Investigation, and enforcement actions.\n\n**Fastpath:** View the SES Milestones Prezi for a handy job-aid.\n\n1.  Initiating a Supervisory Activity  \nThe first step in conducting an exam, investigation, or enforcement in SES is to Supervisory Activity on a company.\n2.  Updating the Basic Details of a Supervisory Activity  \nExaminers in Charge \\(EICs\\), and Staff Users that are participants on a supervisiry activity \\(SA\\) can make updates to the basic details of an examination and save them to the SA.\n3.  Canceling a Supervisory Activity  \nYou can cancel a supervisory activity \\(SA\\) in SES at any time before the report is sent to the company.\n4.  Sending a Supervisory Activity for Review  \nWhen initiating a Supervisory Activity in SES, you have the option of sending it for review.\n5.  Reviewing a Newly-Initiated Supervisory Activity  \nThe staff director or staff user who initiated a supervisory activity \\(SA\\) has the option of sending the SA for review to one or more staff directors before it is scheduled.\n6.  Milestones and the Supervisory Activity Workflow  \nThe workflow and its milestones are displayed on the supervisory activity's Summary page. There are seven milestones in total, and there are specific tasks to be completed in that phase of the supervisory activity.\n7.  Managing the Plan  \nThe plan informs participants of their responsibilities within the exam. Defining the plan is optional.\n8.  Managing the Scope  \nThe scope determines the content that will be reviewed during a supervisory activity, including the review period, business types and business activities, and the areas for review within the selected business types and activities.\n9.  Reviewing the Scope as the Primary Reviewer  \nOnce the examiner in charge \\(EIC\\) sends an item \\(Scope, Plan, MRA, etc.\\) for revi",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_specific\\topics\\c_agency_chapStart_ConductSA.md",
      "relative_path": "maps\\SES\\chapter\\SA_specific\\topics\\c_agency_chapStart_ConductSA.md",
      "headings": [
        "Conducting a Supervisory Activity {#c_agency_chapStart_ConductSA .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_specific/topics/c_agency_chapStart_ConductSA.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_specific/topics/c_agency_chapStart_ConductSA.md:chunk-1",
      "title": "Conducting a Supervisory Activity {#c_agency_chapStart_ConductSA .concept}",
      "content": "as for review within the selected business types and activities.\n9.  Reviewing the Scope as the Primary Reviewer  \nOnce the examiner in charge \\(EIC\\) sends an item \\(Scope, Plan, MRA, etc.\\) for review, the first reviewer selected in the step is the primary reviewer. Only the first reviewer selected to review the item can follow these steps.\n10. Information Requests  \nInformation Requests contain template language used to request information from a company.\n11. Loan Requests  \nWhen conducting an Examination with a Loan File Review Area for Review, you can send an Information Request \\(IR\\) to the company asking for a full list of their loan information.\n12. Transaction Requests for Agencies  \nTransaction requests in SES allow agency users to initiate and manage formal requests related to specific transactions during a money services business \\(MSB\\) examination. Unlike information requests or loan requests, which target broader data or document categories, transaction requests focus on obtaining evidence tied to individual transactions, supporting detailed analysis and issue identification throughout the examination lifecycle.\n13. Agent Location Requests  \nLearn how to use the agent location requests functionality in SES as part of an MSB examination.\n14. MTRA Workbook  \nUsers conducting MSB exams can export work completed in SES into a template that matches the MTRA work program.\n15. Procedures  \nProcedures are used to guide examiners during the examination in the review of company documentation or compliance with statutes, regulations, and other requirements.\n16. Conducting the Exam: Reviewing Information Request Responses  \nConducting the exam consists of reviewing Information Requests responses, working procedures and adding or reviewing findings.\n17. Findings  \nA finding is an issue identified by a state agency user during the supervision of a financial institution in SES. The finding may describe the company’s strengths and/or weaknesses regarding its complia",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_specific\\topics\\c_agency_chapStart_ConductSA.md",
      "relative_path": "maps\\SES\\chapter\\SA_specific\\topics\\c_agency_chapStart_ConductSA.md",
      "headings": [
        "Conducting a Supervisory Activity {#c_agency_chapStart_ConductSA .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_specific/topics/c_agency_chapStart_ConductSA.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_specific/topics/c_agency_chapStart_ConductSA.md:chunk-2",
      "title": "Conducting a Supervisory Activity {#c_agency_chapStart_ConductSA .concept}",
      "content": "finding is an issue identified by a state agency user during the supervision of a financial institution in SES. The finding may describe the company’s strengths and/or weaknesses regarding its compliance management system, assess the company’s compliance with consumer protection laws or regulations, or any potential consumer harm. A finding may be either a violation, recommendation, or observation.\n18. Conducting the Exam: Marking an Area for Review \\(AFR\\) Complete  \nConducting the exam consists of reviewing information request \\(IR\\) responses, working procedures, and adding or reviewing findings and finding commentary.\n19. Scheduling the Exit Meeting  \nSchedule the exit meeting when you are ready to review the results of your examination with the company you are examining.\n20. Financial Statements  \nThis topic provides an overview of the Financial Statements section in SES, which allows agency users to capture and analyze a company’s financial data within the context of a money services business \\(MSB\\) examination. Examiners can create a structured financial grid—similar to the MTRA Work Program workbook—to assess financial health, identify risks, and support consistent, data-driven examination decisions.\n21. Report of Examination  \nAssembling and managing report package, report commentary, and company response.\n22. Matters Requiring Attention  \nMatters Requiring Attention are optional tools to enable communications between agency and company regarding the resolution of findings from the exam.\n23. Closing Out a Supervisory Activity  \nWhen a Supervisory Activity is completed, you can close and lock it.\n24. Managing Time and Expenses  \nSES provides functionality that allows you to document the time and expenses your agency incurs while conducting a supervisory activity.\n\n**Parent topic:**SES Examinations and Investigations Resources for Agencies\n\n**Related information**  \n\nJob Aid: Conducting Your First Exam in SES\n\nManaging Supervisory Activities\n\nNetworked Super",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_specific\\topics\\c_agency_chapStart_ConductSA.md",
      "relative_path": "maps\\SES\\chapter\\SA_specific\\topics\\c_agency_chapStart_ConductSA.md",
      "headings": [
        "Conducting a Supervisory Activity {#c_agency_chapStart_ConductSA .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_specific/topics/c_agency_chapStart_ConductSA.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_specific/topics/c_agency_chapStart_ConductSA.md:chunk-3",
      "title": "Conducting a Supervisory Activity {#c_agency_chapStart_ConductSA .concept}",
      "content": "y.\n\n**Parent topic:**SES Examinations and Investigations Resources for Agencies\n\n**Related information**  \n\nJob Aid: Conducting Your First Exam in SES\n\nManaging Supervisory Activities\n\nNetworked Supervision",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_specific\\topics\\c_agency_chapStart_ConductSA.md",
      "relative_path": "maps\\SES\\chapter\\SA_specific\\topics\\c_agency_chapStart_ConductSA.md",
      "headings": [
        "Conducting a Supervisory Activity {#c_agency_chapStart_ConductSA .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_specific/topics/c_agency_chapStart_ConductSA.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_specific/topics/c_agency_examSched_Using-1.md:chunk-0",
      "title": "Using Exam Scheduling {#c_agency_examSched_Using .concept}",
      "content": "# Using Exam Scheduling \n\nExam Scheduling allows an agency staff director to plan out in advance which exams it will conduct in a given time period.\n\nScheduling allows agencies to avoid duplicate examinations across state agencies through better information sharing so that resources are allocated efficiently, and companies will ultimately experience fewer exams.\n\n**Note:** To use the exam scheduling feature in SES, you must be assigned the staff director role.\n\n1.  Building Your Exam Scheduling “To-Do List”  \nThis explains how to use the exam scheduling feature to populate your Exam Scheduling Items page, which you can think of as your “to-do list” for future exams.\n2.  Making and Confirming Decisions  \nAfter selecting companies for the queue, you need to decide what to do. You can schedule exams, leverage an existing SA, join or accept an SA from another state, or take no action on those companies for the present time.\n3.  Taking Action on Your Exam Scheduling \"To Do\" List  \nThe first part of the exam scheduling process is to populate your Exam Scheduling Items page with a list of companies and decisions for future supervisory activities. This task focuses on putting those decisions into action.\n\n**Parent topic:**Exam Scheduling\n\n**Related information**  \n\nExam Scheduling\n\nLeveraging Another Agency's Supervisory Activity\n\nRequesting Access to a Supervisory Activity\n\nResponding to a Request to Join a Supervisory Activity\n\nResponding to a Request to Access a Supervisory Activity\n\nAccepting a Supervisory Activity",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_specific\\topics\\c_agency_examSched_Using-1.md",
      "relative_path": "maps\\SES\\chapter\\SA_specific\\topics\\c_agency_examSched_Using-1.md",
      "headings": [
        "Using Exam Scheduling {#c_agency_examSched_Using .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_specific/topics/c_agency_examSched_Using-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_specific/topics/c_agency_examSched_Using.md:chunk-0",
      "title": "Using Exam Scheduling {#c_agency_examSched_Using .concept}",
      "content": "# Using Exam Scheduling \n\nExam Scheduling allows an agency staff director to plan out in advance which exams it will conduct in a given time period.\n\nScheduling allows agencies to avoid duplicate examinations across state agencies through better information sharing so that resources are allocated efficiently, and companies will ultimately experience fewer exams.\n\n**Note:** To use the exam scheduling feature in SES, you must be assigned the staff director role.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_specific\\topics\\c_agency_examSched_Using.md",
      "relative_path": "maps\\SES\\chapter\\SA_specific\\topics\\c_agency_examSched_Using.md",
      "headings": [
        "Using Exam Scheduling {#c_agency_examSched_Using .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_specific/topics/c_agency_examSched_Using.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_specific/topics/c_agency_examScheduling-1.md:chunk-0",
      "title": "Exam Scheduling {#c_agency_examScheduling .concept}",
      "content": "# Exam Scheduling \n\nExam Scheduling allows an agency to plan out in advance which exams it will conduct in a given time period. Scheduling allows agencies to avoid duplicate examinations across state agencies through better information sharing.\n\n## Introduction \n\nNetworked Supervision ensures that resources are allocated efficiently, and companies will ultimately experience fewer exams. See Using Exam Scheduling for more information on how to use the tool in SES.\n\n## Using Networked Supervision to Address Challenges \n\nOne of the key goals of SES is to allow for networked supervision; delivering a technology solution that allows agencies to do more with less.\n\nThe challenge we face is that there are 64 different agencies regulating the financial services industries across the country. Each agency has its own objectives, plans, deadlines, and schedules. It can be difficult to get a sense of what all the agencies are planning to do and where efficiencies can be gained.\n\nThe scheduling tool helps to avoid conducting duplicative or redundant examinations by allowing agencies to see when exams are being conducted on companies. While some overlap may be necessary due to statutory requirements or other valid reasons, the exam scheduling tool will at least help agencies to know when duplicative examinations are occurring.\n\n## Frequently Asked Questions \n\n**Who can schedule?**\n\n-   Staff directors.\n\n**Which companies can you schedule?**\n\n-   Companies licensed by your agency\n-   Companies you’re not examining currently, or that aren’t already scheduled for an exam in your agency\n\n**How often can you schedule?**\n\n-   As frequently as you like, and as far out in the future as you like. The further out you schedule, the better. It can be easily changed, and it allows other agencies to see your planned exams.\n\n**Can companies see when they’re scheduled?**\n\n-   No. Companies don’t know about an exam until you send them the information request and exam notification.\n\n**Can companie",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_specific\\topics\\c_agency_examScheduling-1.md",
      "relative_path": "maps\\SES\\chapter\\SA_specific\\topics\\c_agency_examScheduling-1.md",
      "headings": [
        "Exam Scheduling {#c_agency_examScheduling .concept}",
        "Introduction {#section_rlx_tvw_1tb .section}",
        "Using Networked Supervision to Address Challenges {#section_slx_tvw_1tb .section}",
        "Frequently Asked Questions {#section_pzf_xvw_1tb .section}",
        "A Few Important Things to Note {#section_dny_3ww_1tb .section}",
        "The Scheduling Workflow in SES {#section_xtz_4ww_1tb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_specific/topics/c_agency_examScheduling-1.html",
      "snippet": null
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    {
      "id": "maps/SES/chapter/SA_specific/topics/c_agency_examScheduling-1.md:chunk-1",
      "title": "Exam Scheduling {#c_agency_examScheduling .concept}",
      "content": "to see your planned exams.\n\n**Can companies see when they’re scheduled?**\n\n-   No. Companies don’t know about an exam until you send them the information request and exam notification.\n\n**Can companies be scheduled before they’re onboarded into SES?**\n\n-   Yes, in fact, this is a good practice to follow.\n\n**Can you schedule an examination for companies that are not licensed in NMLS?**\n\n-   Yes, but in order for those companies to appear in the exam scheduling tool in SES, they must create an account in NMLS \\(not pursue licensure or complete the MU forms\\).\n\n## A Few Important Things to Note \n\n-   Scheduling an exam or an investigation is not the same as initiating an exam or an investigation.\n-   Schedules can be sent for review, if appropriate for your agency.\n-   The Staff Director can get your “next exam due by” dates into SES by sending a request through the system to be uploaded for you by CSBS support users.\n\n    \n\n-   You can select an exact start date when confirming the initiation of a Supervisory Activity. This is optional. Your agency must define the start date.\n-   If you are conducting an investigation, you cannot request an exam due date.\n\n## The Scheduling Workflow in SES \n\n-   **Using Exam Scheduling**  \nExam Scheduling allows an agency staff director to plan out in advance which exams it will conduct in a given time period.\n\n**Parent topic:**Managing Supervisory Activities\n\n**Related information**  \n\nUsing Exam Scheduling",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_specific\\topics\\c_agency_examScheduling-1.md",
      "relative_path": "maps\\SES\\chapter\\SA_specific\\topics\\c_agency_examScheduling-1.md",
      "headings": [
        "Exam Scheduling {#c_agency_examScheduling .concept}",
        "Introduction {#section_rlx_tvw_1tb .section}",
        "Using Networked Supervision to Address Challenges {#section_slx_tvw_1tb .section}",
        "Frequently Asked Questions {#section_pzf_xvw_1tb .section}",
        "A Few Important Things to Note {#section_dny_3ww_1tb .section}",
        "The Scheduling Workflow in SES {#section_xtz_4ww_1tb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_specific/topics/c_agency_examScheduling-1.html",
      "snippet": null
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      "id": "maps/SES/chapter/SA_specific/topics/c_agency_examScheduling.md:chunk-0",
      "title": "Exam Scheduling {#c_agency_examScheduling .concept}",
      "content": "# Exam Scheduling \n\nExam Scheduling allows an agency to plan out in advance which exams it will conduct in a given time period. Scheduling allows agencies to avoid duplicate examinations across state agencies through better information sharing.\n\n## Introduction \n\nNetworked Supervision ensures that resources are allocated efficiently, and companies will ultimately experience fewer exams. See Using Exam Scheduling for more information on how to use the tool in SES.\n\n## Using Networked Supervision to Address Challenges \n\nOne of the key goals of SES is to allow for networked supervision; delivering a technology solution that allows agencies to do more with less.\n\nThe challenge we face is that there are 64 different agencies regulating the financial services industries across the country. Each agency has its own objectives, plans, deadlines, and schedules. It can be difficult to get a sense of what all the agencies are planning to do and where efficiencies can be gained.\n\nThe scheduling tool helps to avoid conducting duplicative or redundant examinations by allowing agencies to see when exams are being conducted on companies. While some overlap may be necessary due to statutory requirements or other valid reasons, the exam scheduling tool will at least help agencies to know when duplicative examinations are occurring.\n\n## Frequently Asked Questions \n\n**Who can schedule?**\n\n-   Staff directors.\n\n**Which companies can you schedule?**\n\n-   Companies licensed by your agency\n-   Companies you’re not examining currently, or that aren’t already scheduled for an exam in your agency\n\n**How often can you schedule?**\n\n-   As frequently as you like, and as far out in the future as you like. The further out you schedule, the better. It can be easily changed, and it allows other agencies to see your planned exams.\n\n**Can companies see when they’re scheduled?**\n\n-   No. Companies don’t know about an exam until you send them the information request and exam notification.\n\n**Can companie",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_specific\\topics\\c_agency_examScheduling.md",
      "relative_path": "maps\\SES\\chapter\\SA_specific\\topics\\c_agency_examScheduling.md",
      "headings": [
        "Exam Scheduling {#c_agency_examScheduling .concept}",
        "Introduction {#section_rlx_tvw_1tb .section}",
        "Using Networked Supervision to Address Challenges {#section_slx_tvw_1tb .section}",
        "Frequently Asked Questions {#section_pzf_xvw_1tb .section}",
        "A Few Important Things to Note {#section_dny_3ww_1tb .section}",
        "The Scheduling Workflow in SES {#section_xtz_4ww_1tb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_specific/topics/c_agency_examScheduling.html",
      "snippet": null
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    {
      "id": "maps/SES/chapter/SA_specific/topics/c_agency_examScheduling.md:chunk-1",
      "title": "Exam Scheduling {#c_agency_examScheduling .concept}",
      "content": "to see your planned exams.\n\n**Can companies see when they’re scheduled?**\n\n-   No. Companies don’t know about an exam until you send them the information request and exam notification.\n\n**Can companies be scheduled before they’re onboarded into SES?**\n\n-   Yes, in fact, this is a good practice to follow.\n\n**Can you schedule an examination for companies that are not licensed in NMLS?**\n\n-   Yes, but in order for those companies to appear in the exam scheduling tool in SES, they must create an account in NMLS \\(not pursue licensure or complete the MU forms\\).\n\n## A Few Important Things to Note \n\n-   Scheduling an exam or an investigation is not the same as initiating an exam or an investigation.\n-   Schedules can be sent for review, if appropriate for your agency.\n-   The Staff Director can get your “next exam due by” dates into SES by sending a request through the system to be uploaded for you by CSBS support users.\n\n    \n\n-   You can select an exact start date when confirming the initiation of a Supervisory Activity. This is optional. Your agency must define the start date.\n-   If you are conducting an investigation, you cannot request an exam due date.\n\n## The Scheduling Workflow in SES",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_specific\\topics\\c_agency_examScheduling.md",
      "relative_path": "maps\\SES\\chapter\\SA_specific\\topics\\c_agency_examScheduling.md",
      "headings": [
        "Exam Scheduling {#c_agency_examScheduling .concept}",
        "Introduction {#section_rlx_tvw_1tb .section}",
        "Using Networked Supervision to Address Challenges {#section_slx_tvw_1tb .section}",
        "Frequently Asked Questions {#section_pzf_xvw_1tb .section}",
        "A Few Important Things to Note {#section_dny_3ww_1tb .section}",
        "The Scheduling Workflow in SES {#section_xtz_4ww_1tb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_specific/topics/c_agency_examScheduling.html",
      "snippet": null
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    {
      "id": "maps/SES/chapter/SA_specific/topics/c_agency_library_Understanding-1.md:chunk-0",
      "title": "Understanding the Library {#c_agency_library_Understanding .concept}",
      "content": "# Understanding the Library \n\nThe Library was developed to help standardize the examination process from agency to agency. The library contains four types of items: procedures, information requests, references, areas for review, and work programs.\n\n## Types of Library Items \n\n-   **Procedures**: Entries used to guide examiners during the examination in the review of company documentation or compliance with statutes, regulations, and other requirements. Procedures are managed in the SES Library. See Managing the Library for more information.\n-   **Information Requests**: Entries used to request information and documentation from a company for the examination. In SES, the IRs are divided into “standard” requests and “state-specific” requests. Information requests are managed in the SES Library. See Managing the Library for more information.\n-   **References**: Workpapers, templates, websites, and/or any other supplemental reference material that an agency may choose to use used to support the supervision process, and to better navigate SES. References are managed in the SES Library. See Managing the Library for more information.\n-   **Area for Review**: A topic of regulatory review that can be used to define the scope of an examination or investigation. It assists in categorizing the Information Requests and Procedures in an examination. Areas for review are managed in the SES Library. See Managing the Library for more information.\n-   **Work Programs**:SES functionality that automatically builds the scope of an examination, including areas for review and information requests, based on the business type and business activities of the company being examined. The work program incorporates a “badge feature” when its key AFRs are used and also shows the program’s affiliation where applicable \\(e.g., MTRA, NACCA\\). The badge feature assists agencies in determining which examinations they want to review for leveraging or acceptance of exams.\n\n## Library Management \n\nAgency-",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_specific\\topics\\c_agency_library_Understanding-1.md",
      "relative_path": "maps\\SES\\chapter\\SA_specific\\topics\\c_agency_library_Understanding-1.md",
      "headings": [
        "Understanding the Library {#c_agency_library_Understanding .concept}",
        "Types of Library Items {#section_lxq_1vw_tsb .section}",
        "Library Management {#section_mxq_1vw_tsb .section}"
      ],
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      "title": "Understanding the Library {#c_agency_library_Understanding .concept}",
      "content": "where applicable \\(e.g., MTRA, NACCA\\). The badge feature assists agencies in determining which examinations they want to review for leveraging or acceptance of exams.\n\n## Library Management \n\nAgency-Specific Library Items\n:   Agencies can manage their own state-specific IRs, procedures, and references. These state-specific items should be unique or different from a standard library item, whereby the agency cannot rely solely on the standard.\n\nStandard IRs and Procedures\n:   These items are available in SES to facilitate the harmonization of exam activities among state agencies, by offering a uniform set of information requests and procedures for use by all state agency users. CSBS works and coordinates with its sister trade associations and agency working groups to implement, maintain, and update the standards in the system.\n\nCore\n:   Core and non-core labels are attributes associated with information requests and procedures that control whether these items will be automatically retrieved from the library and inserted directly into an exam record given the exam’s business activities and scope selections.\n\n    The core designation can be applied to both standard and agency-specific procedures and information requests.\n\n    -   CSBS staff, with guidance from the appropriate governing bodies, manage the scope types for the standard IRs and procedures.\n    -   Agencies manage the scope types for their own state-specific library items.\n\n    Core Information Requests are automatically pulled on to an exam or investigation once scope is marked complete. Core procedures are automatically pulled on to an exam or investigation once the supervisory activity is moved to the “In-Flight” milestone. Attributes the system uses to make this determination:\n\n    -   Scope Type\n    -   Business Activities\n    -   AFR\n\nNon-core\n:   Non-core Procedures and Non-core Information Requests will not be automatically added to an exam or investigation, but can be easily added if appropriate. A",
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      "relative_path": "maps\\SES\\chapter\\SA_specific\\topics\\c_agency_library_Understanding-1.md",
      "headings": [
        "Understanding the Library {#c_agency_library_Understanding .concept}",
        "Types of Library Items {#section_lxq_1vw_tsb .section}",
        "Library Management {#section_mxq_1vw_tsb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_specific/topics/c_agency_library_Understanding-1.html",
      "snippet": null
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    {
      "id": "maps/SES/chapter/SA_specific/topics/c_agency_library_Understanding-1.md:chunk-2",
      "title": "Understanding the Library {#c_agency_library_Understanding .concept}",
      "content": "siness Activities\n    -   AFR\n\nNon-core\n:   Non-core Procedures and Non-core Information Requests will not be automatically added to an exam or investigation, but can be easily added if appropriate. Attributes the system uses to determine IRs and procedures available for quick add:\n\n    -   Scope Type\n    -   Business Activities\n    -   AFR\n\n-   **Filter Process for State-specific Mortgage Information Requests**  \n\n**Parent topic:**Managing Supervisory Activities\n\n**Related information**  \n\nAgency Library: Key Concepts, Features, and Management\n\nManaging the Library\n\nViewing Items in the SES Library\n\nAdding a Procedure to the Library\n\nUpdating a Procedure in the Library\n\nDeleting a Procedure from the Library\n\nAdding an Information Request to the Library\n\nUpdating an Information Request in the Library\n\nDeleting an Information Request from the Library\n\nAdding a Reference to the Library\n\nUpdating a Reference in the Library\n\nDeactivating a Reference in the Library",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_specific\\topics\\c_agency_library_Understanding-1.md",
      "relative_path": "maps\\SES\\chapter\\SA_specific\\topics\\c_agency_library_Understanding-1.md",
      "headings": [
        "Understanding the Library {#c_agency_library_Understanding .concept}",
        "Types of Library Items {#section_lxq_1vw_tsb .section}",
        "Library Management {#section_mxq_1vw_tsb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_specific/topics/c_agency_library_Understanding-1.html",
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      "id": "maps/SES/chapter/SA_specific/topics/c_agency_library_Understanding.md:chunk-0",
      "title": "Understanding the Library {#c_agency_library_Understanding .concept}",
      "content": "# Understanding the Library \n\nThe Library was developed to help standardize the examination process from agency to agency. The library contains four types of items: procedures, information requests, references, areas for review, and work programs.\n\n## Types of Library Items \n\n-   **Procedures**: Entries used to guide examiners during the examination in the review of company documentation or compliance with statutes, regulations, and other requirements. Procedures are managed in the SES Library. See Managing the Library for more information.\n-   **Information Requests**: Entries used to request information and documentation from a company for the examination. In SES, the IRs are divided into “standard” requests and “state-specific” requests. Information requests are managed in the SES Library. See Managing the Library for more information.\n-   **References**: Workpapers, templates, websites, and/or any other supplemental reference material that an agency may choose to use used to support the supervision process, and to better navigate SES. References are managed in the SES Library. See Managing the Library for more information.\n-   **Area for Review**: A topic of regulatory review that can be used to define the scope of an examination or investigation. It assists in categorizing the Information Requests and Procedures in an examination. Areas for review are managed in the SES Library. See Managing the Library for more information.\n-   **Work Programs**:SES functionality that automatically builds the scope of an examination, including areas for review and information requests, based on the business type and business activities of the company being examined. The work program incorporates a “badge feature” when its key AFRs are used and also shows the program’s affiliation where applicable \\(e.g., MTRA, NACCA\\). The badge feature assists agencies in determining which examinations they want to review for leveraging or acceptance of exams.\n\n## Library Management \n\nAgency-",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_specific\\topics\\c_agency_library_Understanding.md",
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      "headings": [
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        "Types of Library Items {#section_lxq_1vw_tsb .section}",
        "Library Management {#section_mxq_1vw_tsb .section}"
      ],
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      "title": "Understanding the Library {#c_agency_library_Understanding .concept}",
      "content": "where applicable \\(e.g., MTRA, NACCA\\). The badge feature assists agencies in determining which examinations they want to review for leveraging or acceptance of exams.\n\n## Library Management \n\nAgency-Specific Library Items\n:   Agencies can manage their own state-specific IRs, procedures, and references. These state-specific items should be unique or different from a standard library item, whereby the agency cannot rely solely on the standard.\n\nStandard IRs and Procedures\n:   These items are available in SES to facilitate the harmonization of exam activities among state agencies, by offering a uniform set of information requests and procedures for use by all state agency users. CSBS works and coordinates with its sister trade associations and agency working groups to implement, maintain, and update the standards in the system.\n\nCore\n:   Core and non-core labels are attributes associated with information requests and procedures that control whether these items will be automatically retrieved from the library and inserted directly into an exam record given the exam’s business activities and scope selections.\n\n    The core designation can be applied to both standard and agency-specific procedures and information requests.\n\n    -   CSBS staff, with guidance from the appropriate governing bodies, manage the scope types for the standard IRs and procedures.\n    -   Agencies manage the scope types for their own state-specific library items.\n\n    Core Information Requests are automatically pulled on to an exam or investigation once scope is marked complete. Core procedures are automatically pulled on to an exam or investigation once the supervisory activity is moved to the “In-Flight” milestone. Attributes the system uses to make this determination:\n\n    -   Scope Type\n    -   Business Activities\n    -   AFR\n\nNon-core\n:   Non-core Procedures and Non-core Information Requests will not be automatically added to an exam or investigation, but can be easily added if appropriate. A",
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      "headings": [
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        "Types of Library Items {#section_lxq_1vw_tsb .section}",
        "Library Management {#section_mxq_1vw_tsb .section}"
      ],
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      "title": "Understanding the Library {#c_agency_library_Understanding .concept}",
      "content": "siness Activities\n    -   AFR\n\nNon-core\n:   Non-core Procedures and Non-core Information Requests will not be automatically added to an exam or investigation, but can be easily added if appropriate. Attributes the system uses to determine IRs and procedures available for quick add:\n\n    -   Scope Type\n    -   Business Activities\n    -   AFR",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_specific\\topics\\c_agency_library_Understanding.md",
      "relative_path": "maps\\SES\\chapter\\SA_specific\\topics\\c_agency_library_Understanding.md",
      "headings": [
        "Understanding the Library {#c_agency_library_Understanding .concept}",
        "Types of Library Items {#section_lxq_1vw_tsb .section}",
        "Library Management {#section_mxq_1vw_tsb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_specific/topics/c_agency_library_Understanding.html",
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      "id": "maps/SES/chapter/SA_specific/topics/c_agency_library_managing-1.md:chunk-0",
      "title": "Managing the Library {#c_agency_library_managing .concept}",
      "content": "# Managing the Library \n\nThe library was developed to help standardize the examination process from agency to agency. Managing the library includes adding, removing and updating agency-specific library items.\n\nThe library contains four types of items: Procedures, Information Requests, References, Area for Review, and Work Programs. See the policy for SES Agency Library Management for more information.\n\n**Note:** All users can view the library in SES but only the Staff User or Staff Director can manage the library.\n\nRefer to the following topics for more inormation on how to manage the library in SES:\n\n-   Viewing Items in the SES Library\n-   Updating a Procedure in the Library\n-   Updating an Information Request in the Library\n-   Updating a Reference in the Library\n\n-   **Viewing Items in the SES Library**  \nStaff Users, Staff Directors and Examiners can view the SES Library. You can access items by searching for ID, using filters, or browsing the list.\n-   **Adding a Procedure to the Library**  \nStaff users or directors can add Procedures as Agency-Specific Library Items. All agency procedures are available for other agencies to view in the system.\n-   **Updating a Procedure in the Library**  \nStaff users or directors can modify Procedures that are Agency-Specific Library Items. CSBS maintains Standard IRs and Procedures.\n-   **Deleting a Procedure from the Library**  \nStaff users or directors can delete Procedures that are Agency-Specific Library Items. CSBS manages Standard IRs and Procedures.\n-   **Exporting All Procedures from the Library**  \nYou can export all procedures and associated information requests from the SES Library.\n-   **Adding an Information Request to the Library**  \nStaff users or directors can add Information Requests as Agency-Specific Library Items. All agency information requests are available for other agencies to view in the system.\n-   **Adding a State-specific Mortgage Information Request to the Library**  \nStaff users or staff directo",
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      "headings": [
        "Managing the Library {#c_agency_library_managing .concept}"
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      "title": "Managing the Library {#c_agency_library_managing .concept}",
      "content": "tems. All agency information requests are available for other agencies to view in the system.\n-   **Adding a State-specific Mortgage Information Request to the Library**  \nStaff users or staff directors can initiate the process for adding state-specific mortgage information requests to the Library. All agency information requests are available for other agencies to view in the system.\n-   **Updating an Information Request in the Library**  \nStaff users or directors can modify Information Requests that are Agency-Specific Library Items. CSBS maintains Standard IRs and Procedures.\n-   **Deleting an Information Request from the Library**  \nStaff users or directors can delete Information Requests that are Agency-Specific Library Items. CSBS manages Standard IRs and Procedures.\n-   **Exporting All Information Requests from the Library**  \nYou can export all information requests and associated procedures from the SES Library.\n-   **Adding a Reference to the Library**  \nStaff users or directors can add References as Agency-Specific Library Items. Agency references are not automatically accessible by other agencies with access to SES; agency staff directors and staff users have the option to share, or not share, references with other agencies.\n-   **Updating a Reference in the Library**  \nReferences can be updated to change title, description, SA type, business type, hyperlink, and whether to share with other agencies.\n-   **Deactivating a Reference in the Library**  \nStaff users or directors can deactivate References that are Agency-Specific Library Items. CSBS manages Standard IRs and Procedures.\n\n**Parent topic:**Managing Supervisory Activities\n\n**Related information**  \n\nUnderstanding the Library\n\nAgency Library: Key Concepts, Features, and Management",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_specific\\topics\\c_agency_library_managing-1.md",
      "relative_path": "maps\\SES\\chapter\\SA_specific\\topics\\c_agency_library_managing-1.md",
      "headings": [
        "Managing the Library {#c_agency_library_managing .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_specific/topics/c_agency_library_managing-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_specific/topics/c_agency_library_managing.md:chunk-0",
      "title": "Managing the Library {#c_agency_library_managing .concept}",
      "content": "# Managing the Library \n\nThe library was developed to help standardize the examination process from agency to agency. Managing the library includes adding, removing and updating agency-specific library items.\n\nThe library contains four types of items: Procedures, Information Requests, References, Area for Review, and Work Programs. See the policy for SES Agency Library Management for more information.\n\n**Note:** All users can view the library in SES but only the Staff User or Staff Director can manage the library.\n\nRefer to the following topics for more inormation on how to manage the library in SES:\n\n-   Viewing Items in the SES Library\n-   Updating a Procedure in the Library\n-   Updating an Information Request in the Library\n-   Updating a Reference in the Library",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_specific\\topics\\c_agency_library_managing.md",
      "relative_path": "maps\\SES\\chapter\\SA_specific\\topics\\c_agency_library_managing.md",
      "headings": [
        "Managing the Library {#c_agency_library_managing .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_specific/topics/c_agency_library_managing.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_specific/topics/c_agency_library_reviewProcessForState-SpecificMortgageIRs-1.md:chunk-0",
      "title": "Filter Process for State-specific Mortgage Information Requests {#xd_136d0cc2ca4e8d3c--2d260eae-18d74c9cf0f--7ffc .concept}",
      "content": "# Filter Process for State-specific Mortgage Information Requests \n\nTo avoid redundancies and duplication in the SES Library, agencies are being supported before adding mortgage state-specific IRs to the system. This applies only to state-specific IRs under \"Mortgage Origination\" or \"Mortgage Servicing.\" The mortgage state-specific request will be shared with CSBS support users who will assist the agency in determining whether there is a comparable standard that they can use in lieu of the state-specific IR. The process is detailed below:\n\n1.  The agency submits a state-specific mortgage IR request via the SES Library. See Adding a State-specific Mortgage Information Request to the Library for more information.\n2.  CSBS compares the agency state-specific mortgage IR to the SES Standard Mortgage IRs to see if there is a match. These items are available in SES to facilitate the harmonization of exam activities among state agencies, by offering a uniform set of information requests and procedures for use by all state agency users. CSBS works and coordinates with its sister trade associations and agency working groups to implement, maintain, and update the standards in the system. See Agency Library: Key Concepts, Features, and Management for more information.\n\n    **Note:** CSBS will respond to the agency within a reasonable timeframe.\n\n3.  The agency receives an email notification stating either:\n    1.  The review is complete and the state-specific mortgage IR is available for use in the SES Library.\n    2.  CSBS needs input from the Mortgage Examination Working Group to make a determination.\n    3.  CSBS has identified a comparable SES Standard Mortgage IR and encourages its use in lieu of the state-specific mortgage IR.\n\nIf CSBS needs input from the Mortgage Examination Working Group to make a determination, the Mortgage Examination Working Group will review the IR at their next monthly meeting and determine if the state-specific mortgage IR can be used in SES or i",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_specific\\topics\\c_agency_library_reviewProcessForState-SpecificMortgageIRs-1.md",
      "relative_path": "maps\\SES\\chapter\\SA_specific\\topics\\c_agency_library_reviewProcessForState-SpecificMortgageIRs-1.md",
      "headings": [
        "Filter Process for State-specific Mortgage Information Requests {#xd_136d0cc2ca4e8d3c--2d260eae-18d74c9cf0f--7ffc .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_specific/topics/c_agency_library_reviewProcessForState-SpecificMortgageIRs-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_specific/topics/c_agency_library_reviewProcessForState-SpecificMortgageIRs-1.md:chunk-1",
      "title": "Filter Process for State-specific Mortgage Information Requests {#xd_136d0cc2ca4e8d3c--2d260eae-18d74c9cf0f--7ffc .concept}",
      "content": "n Working Group to make a determination, the Mortgage Examination Working Group will review the IR at their next monthly meeting and determine if the state-specific mortgage IR can be used in SES or if it is a candidate for a new SES Standard Mortgage IR.\n\nIf CSBS has identified a comparable SES Standard Mortgage IR and encourages its use in lieu of the state-specific mortgage IR and the agency does not agree with CSBS' findings, the agency may request that CSBS support users present the state-specific mortgage IR to the Mortgage Examination Working Group for review. Submit the request to the Regulatory User Group for agency support with this process.\n\nFor a complete list of email, phone and website addresses for agency support, please see the secure NMLS / SES Portal.[^1]\n\nWhile the review process is happening, agencies are able to add a custom mortgage IR to a supervisory activity. See Adding Custom Information Requests for more information.\n\n**Parent topic:**Understanding the Library\n\n[^1]: Agency user login account required for access.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_specific\\topics\\c_agency_library_reviewProcessForState-SpecificMortgageIRs-1.md",
      "relative_path": "maps\\SES\\chapter\\SA_specific\\topics\\c_agency_library_reviewProcessForState-SpecificMortgageIRs-1.md",
      "headings": [
        "Filter Process for State-specific Mortgage Information Requests {#xd_136d0cc2ca4e8d3c--2d260eae-18d74c9cf0f--7ffc .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_specific/topics/c_agency_library_reviewProcessForState-SpecificMortgageIRs-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_specific/topics/c_agency_library_reviewProcessForState-SpecificMortgageIRs.md:chunk-0",
      "title": "Filter Process for State-specific Mortgage Information Requests {#xd_136d0cc2ca4e8d3c--2d260eae-18d74c9cf0f--7ffc .concept}",
      "content": "# Filter Process for State-specific Mortgage Information Requests \n\nTo avoid redundancies and duplication in the SES Library, agencies are being supported before adding mortgage state-specific IRs to the system. This applies only to state-specific IRs under \"Mortgage Origination\" or \"Mortgage Servicing.\" The mortgage state-specific request will be shared with CSBS support users who will assist the agency in determining whether there is a comparable standard that they can use in lieu of the state-specific IR. The process is detailed below:\n\n1.  The agency submits a state-specific mortgage IR request via the SES Library. See Adding a State-specific Mortgage Information Request to the Library for more information.\n2.  CSBS compares the agency state-specific mortgage IR to the SES Standard Mortgage IRs to see if there is a match. These items are available in SES to facilitate the harmonization of exam activities among state agencies, by offering a uniform set of information requests and procedures for use by all state agency users. CSBS works and coordinates with its sister trade associations and agency working groups to implement, maintain, and update the standards in the system. See Agency Library: Key Concepts, Features, and Management for more information.\n\n    **Note:** CSBS will respond to the agency within a reasonable timeframe.\n\n3.  The agency receives an email notification stating either:\n    1.  The review is complete and the state-specific mortgage IR is available for use in the SES Library.\n    2.  CSBS needs input from the Mortgage Examination Working Group to make a determination.\n    3.  CSBS has identified a comparable SES Standard Mortgage IR and encourages its use in lieu of the state-specific mortgage IR.\n\nIf CSBS needs input from the Mortgage Examination Working Group to make a determination, the Mortgage Examination Working Group will review the IR at their next monthly meeting and determine if the state-specific mortgage IR can be used in SES or i",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_specific\\topics\\c_agency_library_reviewProcessForState-SpecificMortgageIRs.md",
      "relative_path": "maps\\SES\\chapter\\SA_specific\\topics\\c_agency_library_reviewProcessForState-SpecificMortgageIRs.md",
      "headings": [
        "Filter Process for State-specific Mortgage Information Requests {#xd_136d0cc2ca4e8d3c--2d260eae-18d74c9cf0f--7ffc .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_specific/topics/c_agency_library_reviewProcessForState-SpecificMortgageIRs.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_specific/topics/c_agency_library_reviewProcessForState-SpecificMortgageIRs.md:chunk-1",
      "title": "Filter Process for State-specific Mortgage Information Requests {#xd_136d0cc2ca4e8d3c--2d260eae-18d74c9cf0f--7ffc .concept}",
      "content": "n Working Group to make a determination, the Mortgage Examination Working Group will review the IR at their next monthly meeting and determine if the state-specific mortgage IR can be used in SES or if it is a candidate for a new SES Standard Mortgage IR.\n\nIf CSBS has identified a comparable SES Standard Mortgage IR and encourages its use in lieu of the state-specific mortgage IR and the agency does not agree with CSBS' findings, the agency may request that CSBS support users present the state-specific mortgage IR to the Mortgage Examination Working Group for review. Submit the request to the Regulatory User Group for agency support with this process.\n\nFor a complete list of email, phone and website addresses for agency support, please see the secure NMLS / SES Portal.[^1]\n\nWhile the review process is happening, agencies are able to add a custom mortgage IR to a supervisory activity. See Adding Custom Information Requests for more information.\n\n[^1]: Agency user login account required for access.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_specific\\topics\\c_agency_library_reviewProcessForState-SpecificMortgageIRs.md",
      "relative_path": "maps\\SES\\chapter\\SA_specific\\topics\\c_agency_library_reviewProcessForState-SpecificMortgageIRs.md",
      "headings": [
        "Filter Process for State-specific Mortgage Information Requests {#xd_136d0cc2ca4e8d3c--2d260eae-18d74c9cf0f--7ffc .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_specific/topics/c_agency_library_reviewProcessForState-SpecificMortgageIRs.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_specific/topics/c_agency_overseeingYourAgencySAs.md:chunk-0",
      "title": "Overseeing Your Agency's Supervisory Activities {#xd_d1e98f6539dd0b61--51dd7212-18a378aac51--7ffd .concept}",
      "content": "# Overseeing Your Agency's Supervisory Activities \n\nDescribes how the \"Master Viewer\" role in SES can be used to oversee an agency's supervisory activities \\(SAs\\).\n\nSES created the \"Master Viewer\" role for senior level staff at state agencies who may not necessarily be participants on SAs that need to download documents or have detail level access to examination information. See More about Summary Level View vs Detail Level Access for a Supervisory Activity for more information.\n\nUsers with the \"Master Viewer\" role have view and download access for SAs on which their agency is the lead or a participant.\n\nThe role was envisioned to be used by senior managers or commissioners that want access to their agency's SA information, but don't necessarily want to be part of the SA workflow or receive SES notifications related to their agency's SAs, etc.\n\n**Note:** Users with the \"Master Viewer\" role cannot take any actions within an SA in SES. The role only allows view access to information in the system.\n\n**Parent topic:**Managing Supervisory Activities\n\n**Related information**  \n\nSES Agency System Roles & Consumer Complaints Roles",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_specific\\topics\\c_agency_overseeingYourAgencySAs.md",
      "relative_path": "maps\\SES\\chapter\\SA_specific\\topics\\c_agency_overseeingYourAgencySAs.md",
      "headings": [
        "Overseeing Your Agency's Supervisory Activities {#xd_d1e98f6539dd0b61--51dd7212-18a378aac51--7ffd .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_specific/topics/c_agency_overseeingYourAgencySAs.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_specific/topics/c_agency_supervisoryActivitiesPage.md:chunk-0",
      "title": "Supervisory Activities Page for Agency Users {#xd_19818fa6c2797726-ec28950-18f49239a68--7ffd .concept}",
      "content": "# Supervisory Activities Page for Agency Users \n\nThe Supervisory Activities page is where you can see a list of all supervisory activities in SES.\n\nYou can access the Supervisory Activities page by clicking the **Supervisory Activities** link in the top menu of SES.\n\nThe Supervisory Activities page defaults to the My Agency quick filter, which provides a list of all the supervisory activities \\(SAs\\) for your agency. Other quick filters available are:\n\n-   Nationwide SAs: A list of all SAs in SES for every agency active in the system.\n-   Scheduled: A list of all SAs that are in the Scheduled milestone for you agency.\n-   Active: A list of all SAs that in the Scheduled, Planning, In-Flight, Drafting, or Close Out milestone for your agency.\n\nSee Milestones and the Supervisory Activity Workflow for more information.\n\nOn the My Agency quick filter, there is a column for Show IR Response Insights that displays the percentage of information requests that have been responded to by the company.\n\n**Parent topic:**Managing Supervisory Activities",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_specific\\topics\\c_agency_supervisoryActivitiesPage.md",
      "relative_path": "maps\\SES\\chapter\\SA_specific\\topics\\c_agency_supervisoryActivitiesPage.md",
      "headings": [
        "Supervisory Activities Page for Agency Users {#xd_19818fa6c2797726-ec28950-18f49239a68--7ffd .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_specific/topics/c_agency_supervisoryActivitiesPage.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_specific/topics/c_agency_workflowMilestones_SA-1.md:chunk-0",
      "title": "Milestones and the Supervisory Activity Workflow {#xd_dc930e8f9b712072--116649a7-18230ee6f3e--7ffa .concept}",
      "content": "# Milestones and the Supervisory Activity Workflow \n\nThe workflow and its milestones are displayed on the supervisory activity's Summary page. There are seven milestones in total, and there are specific tasks to be completed in that phase of the supervisory activity.\n\nCertain actions will reveal pages during the Supervisory Activity. Some of these pages are only available once the SA has reached a certain milestone in the workflow.\n\n**Fastpath:** View the SES Milestones Prezi for a handy job-aid.\n\n**Actions that reveal pages \\(8 actions total\\):**\n:   **Results of those actions**\n\nMarking Scope Complete\n:   -   Moves SA to Planning Milestone\n-   Adds agency and standard core IRs to this SA—the ones that match the scope type\n-   Pages revealed:\n    -   Plan\n    -   IRs\n    -   Loan Requests\n    -   Examination\n\n**Move to In-Flight**\n:   -   Moves SA to In-Flight Milestone.\n-   Adds core procedures and any associated information requests based on the selected AFRs, Business Activities, and Scope Type\n-   Pages revealed:\n    -   Report\n    -   MRA\n\nUploading the \\(draft\\) Report\n:   -   Moves SA to Drafting Milestone\n\nAssigning the Package Assembler\n:   Assemble and Send Report Package\n:   -   Moves SA to the Close Out milestone\n-   That includes sending the report to the company\n-   Pages Revealed: None\n\nMark Report Response Complete\n:   -   Pages revealed\n    -   Close-Out\n\nEnter Close out Information\n:   Staff User clicks **Close and Lock** button\n:   -   Moves SA to the Closed Milestone\n\n**Parent topic:**Conducting a Supervisory Activity\n\n**Previous topic:**Reviewing the SA as an Additional Reviewer\n\n**Next topic:**Managing the Plan",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_specific\\topics\\c_agency_workflowMilestones_SA-1.md",
      "relative_path": "maps\\SES\\chapter\\SA_specific\\topics\\c_agency_workflowMilestones_SA-1.md",
      "headings": [
        "Milestones and the Supervisory Activity Workflow {#xd_dc930e8f9b712072--116649a7-18230ee6f3e--7ffa .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_specific/topics/c_agency_workflowMilestones_SA-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_specific/topics/c_agency_workflowMilestones_SA.md:chunk-0",
      "title": "Milestones and the Supervisory Activity Workflow {#xd_dc930e8f9b712072--116649a7-18230ee6f3e--7ffa .concept}",
      "content": "# Milestones and the Supervisory Activity Workflow \n\nThe workflow and its milestones are displayed on the supervisory activity's Summary page. There are seven milestones in total, and there are specific tasks to be completed in that phase of the supervisory activity.\n\nCertain actions will reveal pages during the Supervisory Activity. Some of these pages are only available once the SA has reached a certain milestone in the workflow.\n\n**Fastpath:** View the SES Milestones Prezi for a handy job-aid.\n\n**Actions that reveal pages \\(8 actions total\\):**\n:   **Results of those actions**\n\nMarking Scope Complete\n:   -   Moves SA to Planning Milestone\n-   Adds agency and standard core IRs to this SA—the ones that match the scope type\n-   Pages revealed:\n    -   Plan\n    -   IRs\n    -   Loan Requests\n    -   Examination\n\n**Move to In-Flight**\n:   -   Moves SA to In-Flight Milestone.\n-   Adds core procedures and any associated information requests based on the selected AFRs, Business Activities, and Scope Type\n-   Pages revealed:\n    -   Report\n    -   MRA\n\nUploading the \\(draft\\) Report\n:   -   Moves SA to Drafting Milestone\n\nAssigning the Package Assembler\n:   Assemble and Send Report Package\n:   -   Moves SA to the Close Out milestone\n-   That includes sending the report to the company\n-   Pages Revealed: None\n\nMark Report Response Complete\n:   -   Pages revealed\n    -   Close-Out\n\nEnter Close out Information\n:   Staff User clicks **Close and Lock** button\n:   -   Moves SA to the Closed Milestone",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_specific\\topics\\c_agency_workflowMilestones_SA.md",
      "relative_path": "maps\\SES\\chapter\\SA_specific\\topics\\c_agency_workflowMilestones_SA.md",
      "headings": [
        "Milestones and the Supervisory Activity Workflow {#xd_dc930e8f9b712072--116649a7-18230ee6f3e--7ffa .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_specific/topics/c_agency_workflowMilestones_SA.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_specific/topics/t_agency_SA_cancel.md:chunk-0",
      "title": "Canceling a Supervisory Activity {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7feb .task}",
      "content": "# Canceling a Supervisory Activity \n\nYou can cancel a supervisory activity \\(SA\\) in SES at any time before the report is sent to the company.\n\nNote: Only a staff user for the lead agency on an SA can cancel an SA.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Related Actions**.\n\n    \n\n3.  Click **Cancel Supervisory Activity**.\n\n    \n\n4.  Enter a reason for cancelation and upload any necessary documents.\n\n    **Note:** All participating agency users on the SA can view the cancelation details, but the company cannot see the reason for cancelation.\n\n5.  Click **Cancel Supervisory Activity**.\n\n6.  Click **Confirm**.\n\nSES updates any information requests in a “Sent to Company” status to “Canceled.” The company can no longer respond to loan requests.\n\nThe company sees the following information when viewing the SA:\n\n**Parent topic:**Conducting a Supervisory Activity\n\n**Previous topic:**Updating the Basic Details of a Supervisory Activity\n\n**Next topic:**Sending a Supervisory Activity for Review",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_specific\\topics\\t_agency_SA_cancel.md",
      "relative_path": "maps\\SES\\chapter\\SA_specific\\topics\\t_agency_SA_cancel.md",
      "headings": [
        "Canceling a Supervisory Activity {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7feb .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_specific/topics/t_agency_SA_cancel.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_specific/topics/t_agency_SA_dataBulkDownload-1.md:chunk-0",
      "title": "Bulk Downloading Supervisory Activity Documents {#xd_80647b36c08634d1--224c7740-180a488b21a--7fe4 .task}",
      "content": "# Bulk Downloading Supervisory Activity Documents \n\nHow to download documents uploaded as part of a supervisory activity \\(SA\\).\n\nAll active agency participants on a supervisory activity can bulk download SA documents at any point before the retention period for the documents has been reached. See Adding Participants to a Closed and Locked SA to Download SA Documents for information on how to add participants to an SA to bulk download SA documents after an SA is closed and locked.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Related Actions**.\n\n    \n\n3.  Click **Bulk Download Documents**.\n\n    \n\n4.  Choose your desired category to download.\n\n    -   Information Request\n    -   Loan Request\n    -   Matters Requiring Attention\n    -   Exclude Information Request and Loan Request\n    -   All Documents\n5.  Select the date range of when the documents were added to the SA.\n\n    **Note:** This may be helpful when trying to limit the number of documents selected for download to those that were recently added to the SA.\n\n6.  Click **Send Request**.\n\n    You will receive an email notification and a task will be assigned in the system for you to download the documents. You will have 60 minutes to complete this task, otherwise the task will expire, and you must submit a new bulk download request.\n\n    \n\n7.  Click the task on the homepage.\n\n    \n\n8.  Click **Download Documents**.\n\n    \n\n    **Note:** If the SA is closed and locked, after the first bulk download request is made, any bulk download request after that is immediately available on the Summary page of the SA. There are two download buttons available for each document retention schedule.\n\n    \n\nA folder with all relevant documents is downloaded in your browser.\n\n**Note:** To help better organize the documents and provide context about where each document occurred within the SA, identifying attributes are added to the filenames for company and agency response documents. It is recommended to sort the ext",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_specific\\topics\\t_agency_SA_dataBulkDownload-1.md",
      "relative_path": "maps\\SES\\chapter\\SA_specific\\topics\\t_agency_SA_dataBulkDownload-1.md",
      "headings": [
        "Bulk Downloading Supervisory Activity Documents {#xd_80647b36c08634d1--224c7740-180a488b21a--7fe4 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_specific/topics/t_agency_SA_dataBulkDownload-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_specific/topics/t_agency_SA_dataBulkDownload-1.md:chunk-1",
      "title": "Bulk Downloading Supervisory Activity Documents {#xd_80647b36c08634d1--224c7740-180a488b21a--7fe4 .task}",
      "content": "nts and provide context about where each document occurred within the SA, identifying attributes are added to the filenames for company and agency response documents. It is recommended to sort the extracted folder by name to best make use of the added identifying attributes.\n\n**Parent topic:**Managing Supervisory Activities",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_specific\\topics\\t_agency_SA_dataBulkDownload-1.md",
      "relative_path": "maps\\SES\\chapter\\SA_specific\\topics\\t_agency_SA_dataBulkDownload-1.md",
      "headings": [
        "Bulk Downloading Supervisory Activity Documents {#xd_80647b36c08634d1--224c7740-180a488b21a--7fe4 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_specific/topics/t_agency_SA_dataBulkDownload-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_specific/topics/t_agency_SA_dataBulkDownload.md:chunk-0",
      "title": "Bulk Downloading Supervisory Activity Documents {#xd_80647b36c08634d1--224c7740-180a488b21a--7fe4 .task}",
      "content": "# Bulk Downloading Supervisory Activity Documents \n\nHow to download documents uploaded as part of a supervisory activity \\(SA\\).\n\nAll active agency participants on a supervisory activity can bulk download SA documents at any point before the retention period for the documents has been reached. See Adding Participants to a Closed and Locked SA to Download SA Documents for information on how to add participants to an SA to bulk download SA documents after an SA is closed and locked.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Related Actions**.\n\n    \n\n3.  Click **Bulk Download Documents**.\n\n    \n\n4.  Choose your desired category to download.\n\n    -   Information Request\n    -   Loan Request\n    -   Matters Requiring Attention\n    -   Exclude Information Request and Loan Request\n    -   All Documents\n5.  Select the date range of when the documents were added to the SA.\n\n    **Note:** This may be helpful when trying to limit the number of documents selected for download to those that were recently added to the SA.\n\n6.  Click **Send Request**.\n\n    You will receive an email notification and a task will be assigned in the system for you to download the documents. You will have 60 minutes to complete this task, otherwise the task will expire, and you must submit a new bulk download request.\n\n    \n\n7.  Click the task on the homepage.\n\n    \n\n8.  Click **Download Documents**.\n\n    \n\n    **Note:** If the SA is closed and locked, after the first bulk download request is made, any bulk download request after that is immediately available on the Summary page of the SA. There are two download buttons available for each document retention schedule.\n\n    \n\nA folder with all relevant documents is downloaded in your browser.\n\n**Note:** To help better organize the documents and provide context about where each document occurred within the SA, identifying attributes are added to the filenames for company and agency response documents. It is recommended to sort the ext",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_specific\\topics\\t_agency_SA_dataBulkDownload.md",
      "relative_path": "maps\\SES\\chapter\\SA_specific\\topics\\t_agency_SA_dataBulkDownload.md",
      "headings": [
        "Bulk Downloading Supervisory Activity Documents {#xd_80647b36c08634d1--224c7740-180a488b21a--7fe4 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_specific/topics/t_agency_SA_dataBulkDownload.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_specific/topics/t_agency_SA_dataBulkDownload.md:chunk-1",
      "title": "Bulk Downloading Supervisory Activity Documents {#xd_80647b36c08634d1--224c7740-180a488b21a--7fe4 .task}",
      "content": "nts and provide context about where each document occurred within the SA, identifying attributes are added to the filenames for company and agency response documents. It is recommended to sort the extracted folder by name to best make use of the added identifying attributes.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_specific\\topics\\t_agency_SA_dataBulkDownload.md",
      "relative_path": "maps\\SES\\chapter\\SA_specific\\topics\\t_agency_SA_dataBulkDownload.md",
      "headings": [
        "Bulk Downloading Supervisory Activity Documents {#xd_80647b36c08634d1--224c7740-180a488b21a--7fe4 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_specific/topics/t_agency_SA_dataBulkDownload.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_specific/topics/t_agency_SA_dataBulkDownload_addParticipants-1.md:chunk-0",
      "title": "Adding Participants to a Closed and Locked SA to Download SA Documents {#xd_763edc2ce7d797e2--7010be9d-184b9f8efc6--7ff8 .task}",
      "content": "# Adding Participants to a Closed and Locked SA to Download SA Documents \n\nAfter a supervisory activity \\(SA\\) is closed and locked, the examiner in charge \\(EIC\\) or staff user from the lead agency can add or remove participants to the SA to allow them to download SA documents.\n\nThe steps below are only true for an SA that is closed and locked. See Updating Agency SA Participant Roles or Removing Participants for information on how to update or remove participants after an SA is closed and locked.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click the **Add Participants** button on the Summary page.\n\n    \n\n3.  Type in and select the desired user’s **Name**.\n\n    **Note:** Only users with an SES account are available for selection. If you do not see the desired person, contact your account administrator.\n\n4.  Select the desired **Role** for the user.\n\n5.  Click **Add Participants** in the bottom right.\n\n    \n\nThe added participants receive a notification that they have been assigned as participants on the SA and can preview and download SA documents. See Bulk Downloading Supervisory Activity Documents for more information.\n\n**Parent topic:**Managing Agency Supervisory Activity Participants",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_specific\\topics\\t_agency_SA_dataBulkDownload_addParticipants-1.md",
      "relative_path": "maps\\SES\\chapter\\SA_specific\\topics\\t_agency_SA_dataBulkDownload_addParticipants-1.md",
      "headings": [
        "Adding Participants to a Closed and Locked SA to Download SA Documents {#xd_763edc2ce7d797e2--7010be9d-184b9f8efc6--7ff8 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_specific/topics/t_agency_SA_dataBulkDownload_addParticipants-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_specific/topics/t_agency_SA_dataBulkDownload_addParticipants.md:chunk-0",
      "title": "Adding Participants to a Closed and Locked SA to Download SA Documents {#xd_763edc2ce7d797e2--7010be9d-184b9f8efc6--7ff8 .task}",
      "content": "# Adding Participants to a Closed and Locked SA to Download SA Documents \n\nAfter a supervisory activity \\(SA\\) is closed and locked, the examiner in charge \\(EIC\\) or staff user from the lead agency can add or remove participants to the SA to allow them to download SA documents.\n\nThe steps below are only true for an SA that is closed and locked. See Updating Agency SA Participant Roles or Removing Participants for information on how to update or remove participants after an SA is closed and locked.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click the **Add Participants** button on the Summary page.\n\n    \n\n3.  Type in and select the desired user’s **Name**.\n\n    **Note:** Only users with an SES account are available for selection. If you do not see the desired person, contact your account administrator.\n\n4.  Select the desired **Role** for the user.\n\n5.  Click **Add Participants** in the bottom right.\n\n    \n\nThe added participants receive a notification that they have been assigned as participants on the SA and can preview and download SA documents. See Bulk Downloading Supervisory Activity Documents for more information.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_specific\\topics\\t_agency_SA_dataBulkDownload_addParticipants.md",
      "relative_path": "maps\\SES\\chapter\\SA_specific\\topics\\t_agency_SA_dataBulkDownload_addParticipants.md",
      "headings": [
        "Adding Participants to a Closed and Locked SA to Download SA Documents {#xd_763edc2ce7d797e2--7010be9d-184b9f8efc6--7ff8 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_specific/topics/t_agency_SA_dataBulkDownload_addParticipants.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_specific/topics/t_agency_SA_init_sendForReview-1.md:chunk-0",
      "title": "Sending a Supervisory Activity for Review {#t_agency_SA_init_sendForReview .task}",
      "content": "# Sending a Supervisory Activity for Review \n\nWhen initiating a Supervisory Activity in SES, you have the option of sending it for review.\n\nInitiating a Supervisory Activity\n\n1.  Select **Send Supervisory Activity for Review**.\n\n2.  Select the **Primary Reviewer** from the dropdown.\n\n    **Note:** Only those with the Staff Director role appear in the **Primary Reviewer** dropdown menu. If you do not see the name you need, contact your account administrator.\n\n    \n\n3.  Select whether you wish to add additional reviewers.\n\n    1.  If **No**, click **Send for Review**.\n\n        \n\n    2.  If **Yes**, click **Add Reviewer**.\n\n        \n\n        **Note:** The primary reviewer appears as the first reviewer in the list. Additional reviewers can review and add comments, but only the primary reviewer can make an approval decision regarding scheduling the SA.\n\n4.  Select the desired **Reviewer**.\n\n5.  Add the **Deadline** \\(date and time\\).\n\n6.  Enter the **Task Details**.\n\n7.  Click **Add Reviewer**.\n\n    \n\n    Adding additional reviewers enables two options in the **Timing column**:\n\n    -   **Sequential**: Reviewers receive the SA to review one after another.\n    -   **Parallel**: Reviewers receive the SA to review at the same time.\n8.  Click **Send for Review**.\n\n    \n\n**Parent topic:**Conducting a Supervisory Activity\n\n**Previous topic:**Canceling a Supervisory Activity\n\n**Next topic:**Reviewing a Newly-Initiated Supervisory Activity",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_specific\\topics\\t_agency_SA_init_sendForReview-1.md",
      "relative_path": "maps\\SES\\chapter\\SA_specific\\topics\\t_agency_SA_init_sendForReview-1.md",
      "headings": [
        "Sending a Supervisory Activity for Review {#t_agency_SA_init_sendForReview .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_specific/topics/t_agency_SA_init_sendForReview-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_specific/topics/t_agency_SA_init_sendForReview.md:chunk-0",
      "title": "Sending a Supervisory Activity for Review {#t_agency_SA_init_sendForReview .task}",
      "content": "# Sending a Supervisory Activity for Review \n\nWhen initiating a Supervisory Activity in SES, you have the option of sending it for review.\n\nInitiating a Supervisory Activity\n\n1.  Select **Send Supervisory Activity for Review**.\n\n2.  Select the **Primary Reviewer** from the dropdown.\n\n    **Note:** Only those with the Staff Director role appear in the **Primary Reviewer** dropdown menu. If you do not see the name you need, contact your account administrator.\n\n    \n\n3.  Select whether you wish to add additional reviewers.\n\n    1.  If **No**, click **Send for Review**.\n\n        \n\n    2.  If **Yes**, click **Add Reviewer**.\n\n        \n\n        **Note:** The primary reviewer appears as the first reviewer in the list. Additional reviewers can review and add comments, but only the primary reviewer can make an approval decision regarding scheduling the SA.\n\n4.  Select the desired **Reviewer**.\n\n5.  Add the **Deadline** \\(date and time\\).\n\n6.  Enter the **Task Details**.\n\n7.  Click **Add Reviewer**.\n\n    \n\n    Adding additional reviewers enables two options in the **Timing column**:\n\n    -   **Sequential**: Reviewers receive the SA to review one after another.\n    -   **Parallel**: Reviewers receive the SA to review at the same time.\n8.  Click **Send for Review**.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_specific\\topics\\t_agency_SA_init_sendForReview.md",
      "relative_path": "maps\\SES\\chapter\\SA_specific\\topics\\t_agency_SA_init_sendForReview.md",
      "headings": [
        "Sending a Supervisory Activity for Review {#t_agency_SA_init_sendForReview .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_specific/topics/t_agency_SA_init_sendForReview.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_specific/topics/t_agency_SA_initiate-1.md:chunk-0",
      "title": "Initiating a Supervisory Activity {#t_agency_SA_initiate .task}",
      "content": "# Initiating a Supervisory Activity \n\nThe first step in conducting an exam, investigation, or enforcement in SES is to Supervisory Activity on a company.\n\n**Note:** To initiate an SA, you must be assigned the Staff Director or User role.\n\n**Fastpath:** View the SES Milestones Prezi for a handy job-aid.\n\n1.  Click **Initiate Supervisory Activity** on the SES home page.\n\n    \n\n2.  Search for the company.\n\n    \n\n    **Important:** You must click **Search**. Pressing the **Enter** key does not generate search results.\n\n3.  Select the company from the list and click **Next**.\n\n    **Note:** The system displays Previously Conducted Supervisory Activities, Ongoing Supervisory Activities, and Exams That Your Agency Has Detail Levl Access To. Use these views to potentially join, accept, or leverage an exam.\n\n4.  Complete all required fields in the Basic Details section.\n\n    **Note:** You can select an **Exact Start Date** when confirming the initiation of a Supervisory Activity. This field is optional and the definition of “start date” will vary by agency.\n\n    **Note:** For an exam, you must choose a **Scope Type**. See Scope for the definitions of the different scope types that are available.\n\n    **Note:** **Scope Type** drives the information requests \\(IRs\\) and procedures that are added to the supervisory activity \\(SA\\). If IRs are added to the Library after the scope for an SA is marked complete, SES does not automatically add the new IRs to the SA; the IRs need to be added manually.\n\n5.  Select the relevant **Business Types** and **Business Activities** for the SA.\n\n    **Note:** Multiple items can be selected from these two drop-down menus. To clear a selected item, click the highlighted item again.\n\n6.  Upload any relevant documents.\n\n7.  Click **Next**.\n\n8.  Add any desired information in the Related Entities section.\n\n9.  Click **Next**.\n\n10. Click **Add Participants**.\n\n11. Search for and select the desired member of your staff and assign as EIC.\n\n    **Note:*",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_specific\\topics\\t_agency_SA_initiate-1.md",
      "relative_path": "maps\\SES\\chapter\\SA_specific\\topics\\t_agency_SA_initiate-1.md",
      "headings": [
        "Initiating a Supervisory Activity {#t_agency_SA_initiate .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_specific/topics/t_agency_SA_initiate-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_specific/topics/t_agency_SA_initiate-1.md:chunk-1",
      "title": "Initiating a Supervisory Activity {#t_agency_SA_initiate .task}",
      "content": " desired information in the Related Entities section.\n\n9.  Click **Next**.\n\n10. Click **Add Participants**.\n\n11. Search for and select the desired member of your staff and assign as EIC.\n\n    **Note:** You do not need to add any participants to initiate an SA, but it is a best practice to assign an EIC at this stage in the process.\n\n    \n\n12. Click **Next**.\n\n    **Note:** When adding an Examiner in Charge or other participants, if a calendar icon appears, it means that user is actively participating on other SAs. Click the **calendar icon**\n\n    \n\n    to see the current workload for the user.\n\n13. Ensure the information provided is correct.\n\n14. Select **Schedule Supervisory Activity** from the Next Action section.\n\n    **Note:** You also have the option of Sending a Supervisory Activity for Review.\n\n15. Click **Initiate Supervisory Activity** in the bottom right.\n\n    It may take a few seconds, but the newly initiated SA will appear in the supervisory activities section within the Active quick filter.\n\n    \n\nSending a Supervisory Activity for Review\n\n**Parent topic:**Conducting a Supervisory Activity\n\n**Previous topic:**Conducting a Supervisory Activity\n\n**Next topic:**Updating the Basic Details of a Supervisory Activity\n\n**Related information**  \n\nTaking Action on Your Exam Scheduling \"To Do\" List\n\nMaking and Confirming Decisions",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_specific\\topics\\t_agency_SA_initiate-1.md",
      "relative_path": "maps\\SES\\chapter\\SA_specific\\topics\\t_agency_SA_initiate-1.md",
      "headings": [
        "Initiating a Supervisory Activity {#t_agency_SA_initiate .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_specific/topics/t_agency_SA_initiate-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_specific/topics/t_agency_SA_initiate.md:chunk-0",
      "title": "Initiating a Supervisory Activity {#t_agency_SA_initiate .task}",
      "content": "# Initiating a Supervisory Activity \n\nThe first step in conducting an exam, investigation, or enforcement in SES is to Supervisory Activity on a company.\n\n**Note:** To initiate an SA, you must be assigned the Staff Director or User role.\n\n**Fastpath:** View the SES Milestones Prezi for a handy job-aid.\n\n1.  Click **Initiate Supervisory Activity** on the SES home page.\n\n    \n\n2.  Search for the company.\n\n    \n\n    **Important:** You must click **Search**. Pressing the **Enter** key does not generate search results.\n\n3.  Select the company from the list and click **Next**.\n\n    **Note:** The system displays Previously Conducted Supervisory Activities, Ongoing Supervisory Activities, and Exams That Your Agency Has Detail Levl Access To. Use these views to potentially join, accept, or leverage an exam.\n\n4.  Complete all required fields in the Basic Details section.\n\n    **Note:** You can select an **Exact Start Date** when confirming the initiation of a Supervisory Activity. This field is optional and the definition of “start date” will vary by agency.\n\n    **Note:** For an exam, you must choose a **Scope Type**. See Scope for the definitions of the different scope types that are available.\n\n    **Note:** **Scope Type** drives the information requests \\(IRs\\) and procedures that are added to the supervisory activity \\(SA\\). If IRs are added to the Library after the scope for an SA is marked complete, SES does not automatically add the new IRs to the SA; the IRs need to be added manually.\n\n5.  Select the relevant **Business Types** and **Business Activities** for the SA.\n\n    **Note:** Multiple items can be selected from these two drop-down menus. To clear a selected item, click the highlighted item again.\n\n6.  Upload any relevant documents.\n\n7.  Click **Next**.\n\n8.  Add any desired information in the Related Entities section.\n\n9.  Click **Next**.\n\n10. Click **Add Participants**.\n\n11. Search for and select the desired member of your staff and assign as EIC.\n\n    **Note:*",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_specific\\topics\\t_agency_SA_initiate.md",
      "relative_path": "maps\\SES\\chapter\\SA_specific\\topics\\t_agency_SA_initiate.md",
      "headings": [
        "Initiating a Supervisory Activity {#t_agency_SA_initiate .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_specific/topics/t_agency_SA_initiate.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_specific/topics/t_agency_SA_initiate.md:chunk-1",
      "title": "Initiating a Supervisory Activity {#t_agency_SA_initiate .task}",
      "content": " desired information in the Related Entities section.\n\n9.  Click **Next**.\n\n10. Click **Add Participants**.\n\n11. Search for and select the desired member of your staff and assign as EIC.\n\n    **Note:** You do not need to add any participants to initiate an SA, but it is a best practice to assign an EIC at this stage in the process.\n\n    \n\n12. Click **Next**.\n\n    **Note:** When adding an Examiner in Charge or other participants, if a calendar icon appears, it means that user is actively participating on other SAs. Click the **calendar icon**\n\n    \n\n    to see the current workload for the user.\n\n13. Ensure the information provided is correct.\n\n14. Select **Schedule Supervisory Activity** from the Next Action section.\n\n    **Note:** You also have the option of Sending a Supervisory Activity for Review.\n\n15. Click **Initiate Supervisory Activity** in the bottom right.\n\n    It may take a few seconds, but the newly initiated SA will appear in the supervisory activities section within the Active quick filter.\n\n    \n\nSending a Supervisory Activity for Review",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_specific\\topics\\t_agency_SA_initiate.md",
      "relative_path": "maps\\SES\\chapter\\SA_specific\\topics\\t_agency_SA_initiate.md",
      "headings": [
        "Initiating a Supervisory Activity {#t_agency_SA_initiate .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_specific/topics/t_agency_SA_initiate.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_specific/topics/t_agency_SA_reviewAdditional.md:chunk-0",
      "title": "Reviewing the SA as an Additional Reviewer {#xd_80647b36c08634d1--224c7740-180a488b21a--7fe6 .task}",
      "content": "# Reviewing the SA as an Additional Reviewer \n\nScheduling review is not limited to a single staff director. Other agency users may serve as reviewers and add any comments for the primary reviewer.\n\nIf additional reviewers are added and sequential timing is selected, the review task first appears on the primary reviewer’s homepage, then on the additional reviewers’ homepage, then finally once again returns to the primary reviewer’s homepage for a final approval decision.\n\n1.  >Click the **Review Schedule - SA** task on the homepage.\n\n    \n\n2.  Click **Click here to Review**.\n\n    \n\n3.  Click **Details** to review the proposed schedule within Basic Details.\n\n    \n\n    **Note:** The  icon indicates this page will open in a new browser tab.\n\n4.  Review the necessary details.\n\n5.  Add any comments.\n\n6.  Click **Mark as Complete**.\n\n    \n\n**Parent topic:**Reviewing a Newly-Initiated Supervisory Activity",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_specific\\topics\\t_agency_SA_reviewAdditional.md",
      "relative_path": "maps\\SES\\chapter\\SA_specific\\topics\\t_agency_SA_reviewAdditional.md",
      "headings": [
        "Reviewing the SA as an Additional Reviewer {#xd_80647b36c08634d1--224c7740-180a488b21a--7fe6 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_specific/topics/t_agency_SA_reviewAdditional.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_specific/topics/t_agency_SA_reviewPrimary.md:chunk-0",
      "title": "Reviewing the SA as the Primary Reviewer {#xd_80647b36c08634d1--224c7740-180a488b21a--7fe7 .task}",
      "content": "# Reviewing the SA as the Primary Reviewer \n\nStaff directors can serve as the primary reviewer for supervisory activities to review the scheduling for the SAs.\n\n**Note:** In order to review the SA as the primary reviewer, you must be logged in as a staff director.\n\n1.  >Click the **Review Schedule - SA** task on the homepage.\n\n    \n\n2.  Click **Click here to Review**.\n\n    \n\n3.  Click **Details** to review the proposed schedule within Basic Details.\n\n    \n\n    **Note:** The  icon indicates this page will open in a new browser tab.\n\n4.  Review the necessary details.\n\n5.  Add any comments.\n\n6.  Ciick **Schedule Supervisory Activity**\n\n    \n\n7.  Click **Mark as Complete**.\n\n**Parent topic:**Reviewing a Newly-Initiated Supervisory Activity",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_specific\\topics\\t_agency_SA_reviewPrimary.md",
      "relative_path": "maps\\SES\\chapter\\SA_specific\\topics\\t_agency_SA_reviewPrimary.md",
      "headings": [
        "Reviewing the SA as the Primary Reviewer {#xd_80647b36c08634d1--224c7740-180a488b21a--7fe7 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_specific/topics/t_agency_SA_reviewPrimary.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_specific/topics/t_agency_SA_updateBasicDetails-1.md:chunk-0",
      "title": "Updating the Basic Details of a Supervisory Activity {#xd_19818fa6c2797726-ec28950-18f49239a68--7ff7 .task}",
      "content": "# Updating the Basic Details of a Supervisory Activity \n\nExaminers in Charge \\(EICs\\), and Staff Users that are participants on a supervisiry activity \\(SA\\) can make updates to the basic details of an examination and save them to the SA.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click the **Details** tab.\n\n    \n\n3.  Click the **Update Basic Details** button.\n\n    \n\n4.  Update the location, target start month, target start year, exact start date, or scope type for the SA.\n\n    **Note:** You can update the scope type any time before the report is sent to the company. If you change the scope type to Leveraged, you must enter the SA ID of the SA that you are leveraging. See Leveraging Another Agency's Supervisory Activity for more information.\n\n5.  Click the **Update Basic Details** button.\n\n    \n\n**Parent topic:**Conducting a Supervisory Activity\n\n**Previous topic:**Initiating a Supervisory Activity\n\n**Next topic:**Canceling a Supervisory Activity",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_specific\\topics\\t_agency_SA_updateBasicDetails-1.md",
      "relative_path": "maps\\SES\\chapter\\SA_specific\\topics\\t_agency_SA_updateBasicDetails-1.md",
      "headings": [
        "Updating the Basic Details of a Supervisory Activity {#xd_19818fa6c2797726-ec28950-18f49239a68--7ff7 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_specific/topics/t_agency_SA_updateBasicDetails-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_specific/topics/t_agency_SA_updateBasicDetails.md:chunk-0",
      "title": "Updating the Basic Details of a Supervisory Activity {#xd_19818fa6c2797726-ec28950-18f49239a68--7ff7 .task}",
      "content": "# Updating the Basic Details of a Supervisory Activity \n\nExaminers in Charge \\(EICs\\), and Staff Users that are participants on a supervisiry activity \\(SA\\) can make updates to the basic details of an examination and save them to the SA.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click the **Details** tab.\n\n    \n\n3.  Click the **Update Basic Details** button.\n\n    \n\n4.  Update the location, target start month, target start year, exact start date, or scope type for the SA.\n\n    **Note:** You can update the scope type any time before the report is sent to the company. If you change the scope type to Leveraged, you must enter the SA ID of the SA that you are leveraging. See Leveraging Another Agency's Supervisory Activity for more information.\n\n5.  Click the **Update Basic Details** button.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_specific\\topics\\t_agency_SA_updateBasicDetails.md",
      "relative_path": "maps\\SES\\chapter\\SA_specific\\topics\\t_agency_SA_updateBasicDetails.md",
      "headings": [
        "Updating the Basic Details of a Supervisory Activity {#xd_19818fa6c2797726-ec28950-18f49239a68--7ff7 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_specific/topics/t_agency_SA_updateBasicDetails.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_specific/topics/t_agency_examSched_action-1.md:chunk-0",
      "title": "Taking Action on Your Exam Scheduling \"To Do\" List {#t_agency_examSched_action .task}",
      "content": "# Taking Action on Your Exam Scheduling \"To Do\" List \n\nThe first part of the exam scheduling process is to populate your Exam Scheduling Items page with a list of companies and decisions for future supervisory activities. This task focuses on putting those decisions into action.\n\nComplete the task: Making and Confirming Decisions\n\nExam Scheduling allows an agency to plan out in advance which exams it will conduct in a given time period. Scheduling also allows agencies in multiple states to avoid duplicate examinations on the same companies, thus making better use of resources and improving the experience for the companies you regulate.\n\n**Note:** To use the exam scheduling feature in SES, you must be assigned the staff director role.\n\nThis task focuses on the decisions that require you to take action on your exam scheduling to-do list:\n\n-   If you selected **Schedule Exam**, click on the **Company SES ID** for the company you wish to initiate a supervisory activity.\n\n    \n\n    The summary page for that company opens in a new tab and you can begin Initiating a Supervisory Activity.\n\n-   If you selected **Join Another SA**, proceed to Joining a Supervisory Activity from the Exam Scheduling Tool,\n\n-   If you selected **Accept Another SA**, proceed to Starting the SA Acceptance Workflow\n\n-   If you selected **Leverage Another SA**, proceed to Initiating a Leveraged SA from the Exam Scheduling Page.\n\n**Parent topic:**Using Exam Scheduling\n\n**Previous topic:**Making and Confirming Decisions\n\n**Next topic:**Managing Agency Supervisory Activity Participants\n\n**Related information**  \n\nLeveraging Another Agency's Supervisory Activity\n\nInitiating a Leveraged SA from the Exam Scheduling Page\n\nAccepting a Supervisory Activity\n\nStarting the SA Acceptance Workflow\n\nJoining a Supervisory Activity from the Exam Scheduling Tool\n\nJoining a Supervisory Activity\n\nRequesting Access to a Supervisory Activity\n\nInitiating a Supervisory Activity",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_specific\\topics\\t_agency_examSched_action-1.md",
      "relative_path": "maps\\SES\\chapter\\SA_specific\\topics\\t_agency_examSched_action-1.md",
      "headings": [
        "Taking Action on Your Exam Scheduling \"To Do\" List {#t_agency_examSched_action .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_specific/topics/t_agency_examSched_action-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_specific/topics/t_agency_examSched_action.md:chunk-0",
      "title": "Taking Action on Your Exam Scheduling \"To Do\" List {#t_agency_examSched_action .task}",
      "content": "# Taking Action on Your Exam Scheduling \"To Do\" List \n\nThe first part of the exam scheduling process is to populate your Exam Scheduling Items page with a list of companies and decisions for future supervisory activities. This task focuses on putting those decisions into action.\n\nComplete the task: Making and Confirming Decisions\n\nExam Scheduling allows an agency to plan out in advance which exams it will conduct in a given time period. Scheduling also allows agencies in multiple states to avoid duplicate examinations on the same companies, thus making better use of resources and improving the experience for the companies you regulate.\n\n**Note:** To use the exam scheduling feature in SES, you must be assigned the staff director role.\n\nThis task focuses on the decisions that require you to take action on your exam scheduling to-do list:\n\n-   If you selected **Schedule Exam**, click on the **Company SES ID** for the company you wish to initiate a supervisory activity.\n\n    \n\n    The summary page for that company opens in a new tab and you can begin Initiating a Supervisory Activity.\n\n-   If you selected **Join Another SA**, proceed to Joining a Supervisory Activity from the Exam Scheduling Tool,\n\n-   If you selected **Accept Another SA**, proceed to Starting the SA Acceptance Workflow\n\n-   If you selected **Leverage Another SA**, proceed to Initiating a Leveraged SA from the Exam Scheduling Page.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_specific\\topics\\t_agency_examSched_action.md",
      "relative_path": "maps\\SES\\chapter\\SA_specific\\topics\\t_agency_examSched_action.md",
      "headings": [
        "Taking Action on Your Exam Scheduling \"To Do\" List {#t_agency_examSched_action .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_specific/topics/t_agency_examSched_action.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_specific/topics/t_agency_examSched_create-1.md:chunk-0",
      "title": "Building Your Exam Scheduling “To-Do List” {#t_agency_examSched_create .task}",
      "content": "# Building Your Exam Scheduling “To-Do List” \n\nThis explains how to use the exam scheduling feature to populate your Exam Scheduling Items page, which you can think of as your “to-do list” for future exams.\n\nThis task enables you to add companies, according to business type or other data points, to a list for planning and decision-making, with regards to scheduling exams or collaborating with agencies in other states.\n\n**Note:** To use the exam scheduling feature in SES, you must be assigned the staff director role.\n\n1.  Click **Exam Scheduling**.\n\n     [^1]\n\n2.  Click **Start Exam Scheduling** in the top right.\n\n    \n\n3.  Select the **Business Type** of the companies for which to schedule exams.\n\n4.  Select up to six **Data Points** to filter the list of companies to add to the queue.\n\n    **Note:** The more data points you select, the more restricted the resultant list of companies will be.\n\n    \n\n5.  Click **Next**.\n\n6.  Use the filters to help narrow down the search criteria then click **Search**.\n\n    \n\n    **Note:** You can search by the NMLS ID in the Exam Scheduling Report and the List of Companies section based on the selected business type. Only companies that hold approved equivalent and transition requested license statuses in NMLS that are associated to selected business types with your agency are listed.\n\n7.  Click the **plus** icon next to the companies to add to the queue.\n\n    **Note:** The purpose of the queue is to create a list of companies that you need to make decisions about, such as scheduling an exam, leveraging an existing SA, joining or accepting another state's SA, or taking no action for the present.\n\n8.  Click **View Queue**.\n\n    \n\n9.  Click **Next** in the bottom right.\n\nMaking and Confirming Decisions\n\n**Parent topic:**Using Exam Scheduling\n\n**Previous topic:**Using Exam Scheduling\n\n**Next topic:**Making and Confirming Decisions\n\n[^1]: Note that **Manage Complaints** is only available to users with Complaints Access permission in the",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_specific\\topics\\t_agency_examSched_create-1.md",
      "relative_path": "maps\\SES\\chapter\\SA_specific\\topics\\t_agency_examSched_create-1.md",
      "headings": [
        "Building Your Exam Scheduling “To-Do List” {#t_agency_examSched_create .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_specific/topics/t_agency_examSched_create-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_specific/topics/t_agency_examSched_create-1.md:chunk-1",
      "title": "Building Your Exam Scheduling “To-Do List” {#t_agency_examSched_create .task}",
      "content": "ing\n\n**Previous topic:**Using Exam Scheduling\n\n**Next topic:**Making and Confirming Decisions\n\n[^1]: Note that **Manage Complaints** is only available to users with Complaints Access permission in their user profiles. See Updating Agency User Roles",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_specific\\topics\\t_agency_examSched_create-1.md",
      "relative_path": "maps\\SES\\chapter\\SA_specific\\topics\\t_agency_examSched_create-1.md",
      "headings": [
        "Building Your Exam Scheduling “To-Do List” {#t_agency_examSched_create .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_specific/topics/t_agency_examSched_create-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_specific/topics/t_agency_examSched_create.md:chunk-0",
      "title": "Building Your Exam Scheduling “To-Do List” {#t_agency_examSched_create .task}",
      "content": "# Building Your Exam Scheduling “To-Do List” \n\nThis explains how to use the exam scheduling feature to populate your Exam Scheduling Items page, which you can think of as your “to-do list” for future exams.\n\nThis task enables you to add companies, according to business type or other data points, to a list for planning and decision-making, with regards to scheduling exams or collaborating with agencies in other states.\n\n**Note:** To use the exam scheduling feature in SES, you must be assigned the staff director role.\n\n1.  Click **Exam Scheduling**.\n\n     [^1]\n\n2.  Click **Start Exam Scheduling** in the top right.\n\n    \n\n3.  Select the **Business Type** of the companies for which to schedule exams.\n\n4.  Select up to six **Data Points** to filter the list of companies to add to the queue.\n\n    **Note:** The more data points you select, the more restricted the resultant list of companies will be.\n\n    \n\n5.  Click **Next**.\n\n6.  Use the filters to help narrow down the search criteria then click **Search**.\n\n    \n\n    **Note:** You can search by the NMLS ID in the Exam Scheduling Report and the List of Companies section based on the selected business type. Only companies that hold approved equivalent and transition requested license statuses in NMLS that are associated to selected business types with your agency are listed.\n\n7.  Click the **plus** icon next to the companies to add to the queue.\n\n    **Note:** The purpose of the queue is to create a list of companies that you need to make decisions about, such as scheduling an exam, leveraging an existing SA, joining or accepting another state's SA, or taking no action for the present.\n\n8.  Click **View Queue**.\n\n    \n\n9.  Click **Next** in the bottom right.\n\nMaking and Confirming Decisions\n\n[^1]: Note that **Manage Complaints** is only available to users with Complaints Access permission in their user profiles. See Updating Agency User Roles",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_specific\\topics\\t_agency_examSched_create.md",
      "relative_path": "maps\\SES\\chapter\\SA_specific\\topics\\t_agency_examSched_create.md",
      "headings": [
        "Building Your Exam Scheduling “To-Do List” {#t_agency_examSched_create .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_specific/topics/t_agency_examSched_create.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_specific/topics/t_agency_examSched_decisions-1.md:chunk-0",
      "title": "Making and Confirming Decisions {#t_agency_examSched_decisions .task}",
      "content": "# Making and Confirming Decisions \n\nAfter selecting companies for the queue, you need to decide what to do. You can schedule exams, leverage an existing SA, join or accept an SA from another state, or take no action on those companies for the present time.\n\nBuilding Your Exam Scheduling “To-Do List”\n\nOn the Make Decision page, you are given information displaying all active, upcoming and past supervisory decisions and pending join requests related to the selected companies, allowing you to make an informed decision on which exam related actions to take.\n\n1.  Review the supervisory activity or complaints information for each company in your queue.\n\n2.  You can view all relevant complaints in a new tab by clicking the **View Complaints** button in the Complaints section for each company.\n\n    \n\n3.  Select your desired option from the **Decision** list.\n\n    \n\n4.  Click **Next Company** and continue reviewing and making decisions for all selected companies.\n\n5.  Click **Continue to Confirm** after making a decision on your last company in the queue.\n\n    \n\n6.  Review your decisions and select **Proceed with Decisions** under Available Actions.\n\n7.  Click **Proceed with Decisions**.\n\n    **Note:** You can also proceed with the selected Exam Scheduling decision on the companies you have chosen and schedule more companies by clicking **Proceed and Schedule More**. This returns you to the Select Companies page.\n\n    \n\nYou see your **Exam Scheduling Items** list with the **Ready and In Review** quick filter selected. This section shows all the decisions that have been queued and allows you to work through those items.\n\nTaking Action on Your Exam Scheduling \"To Do\" List\n\n**Parent topic:**Using Exam Scheduling\n\n**Previous topic:**Building Your Exam Scheduling “To-Do List”\n\n**Next topic:**Taking Action on Your Exam Scheduling \"To Do\" List\n\n**Related information**  \n\nInitiating a Supervisory Activity\n\nRequesting Access to a Supervisory Activity\n\nJoining a Supervisory Activity\n\n",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_specific\\topics\\t_agency_examSched_decisions-1.md",
      "relative_path": "maps\\SES\\chapter\\SA_specific\\topics\\t_agency_examSched_decisions-1.md",
      "headings": [
        "Making and Confirming Decisions {#t_agency_examSched_decisions .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_specific/topics/t_agency_examSched_decisions-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_specific/topics/t_agency_examSched_decisions-1.md:chunk-1",
      "title": "Making and Confirming Decisions {#t_agency_examSched_decisions .task}",
      "content": " topic:**Taking Action on Your Exam Scheduling \"To Do\" List\n\n**Related information**  \n\nInitiating a Supervisory Activity\n\nRequesting Access to a Supervisory Activity\n\nJoining a Supervisory Activity\n\nAccepting a Supervisory Activity\n\nLeveraging Another Agency's Supervisory Activity",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_specific\\topics\\t_agency_examSched_decisions-1.md",
      "relative_path": "maps\\SES\\chapter\\SA_specific\\topics\\t_agency_examSched_decisions-1.md",
      "headings": [
        "Making and Confirming Decisions {#t_agency_examSched_decisions .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_specific/topics/t_agency_examSched_decisions-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_specific/topics/t_agency_examSched_decisions.md:chunk-0",
      "title": "Making and Confirming Decisions {#t_agency_examSched_decisions .task}",
      "content": "# Making and Confirming Decisions \n\nAfter selecting companies for the queue, you need to decide what to do. You can schedule exams, leverage an existing SA, join or accept an SA from another state, or take no action on those companies for the present time.\n\nBuilding Your Exam Scheduling “To-Do List”\n\nOn the Make Decision page, you are given information displaying all active, upcoming and past supervisory decisions and pending join requests related to the selected companies, allowing you to make an informed decision on which exam related actions to take.\n\n1.  Review the supervisory activity or complaints information for each company in your queue.\n\n2.  You can view all relevant complaints in a new tab by clicking the **View Complaints** button in the Complaints section for each company.\n\n    \n\n3.  Select your desired option from the **Decision** list.\n\n    \n\n4.  Click **Next Company** and continue reviewing and making decisions for all selected companies.\n\n5.  Click **Continue to Confirm** after making a decision on your last company in the queue.\n\n    \n\n6.  Review your decisions and select **Proceed with Decisions** under Available Actions.\n\n7.  Click **Proceed with Decisions**.\n\n    **Note:** You can also proceed with the selected Exam Scheduling decision on the companies you have chosen and schedule more companies by clicking **Proceed and Schedule More**. This returns you to the Select Companies page.\n\n    \n\nYou see your **Exam Scheduling Items** list with the **Ready and In Review** quick filter selected. This section shows all the decisions that have been queued and allows you to work through those items.\n\nTaking Action on Your Exam Scheduling \"To Do\" List",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_specific\\topics\\t_agency_examSched_decisions.md",
      "relative_path": "maps\\SES\\chapter\\SA_specific\\topics\\t_agency_examSched_decisions.md",
      "headings": [
        "Making and Confirming Decisions {#t_agency_examSched_decisions .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_specific/topics/t_agency_examSched_decisions.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_specific/topics/t_agency_libraryMgt_IR_Add-1.md:chunk-0",
      "title": "Adding an Information Request to the Library {#t_agency_libraryMgt_IR_Add .task}",
      "content": "# Adding an Information Request to the Library \n\nStaff users or directors can add Information Requests as Agency-Specific Library Items. All agency information requests are available for other agencies to view in the system.\n\nAll agency users in the agency have access to that agency’s library items and can add them freely to any supervisory activity.\n\n1.  Log into SES as a Staff Director or User role.\n\n2.  Click **View and Manage Library** on the home page.\n\n    \n\n3.  Click **Add Information Request**.\n\n    \n\n4.  Select one or more **Business Types**.\n\n    **Note:** For procedures or information requests associated with an MSB business type that are a part of the MTRA Workbook, a field for the alphanumeric identifier for the step or request within the workbook is provided.\n\n5.  Choose whether the item is **Core** or **Non-core**.\n\n6.  Select one or more **Scope Types**.\n\n7.  Select an **Area for Review**.\n\n8.  Select one or more **Business Activities**.\n\n    **Note:** If you select Mortgage Origination or Mortgage Servicing, the IR will be sent to CSBS support users for their feedback. See Adding a State-specific Mortgage Information Request to the Library for more information.\n\n9.  Select one or more **Business Activities**.\n\n10. Type the **Information Request Text**.\n\n11. Drag any associated documents to the **Upload Documents** field, and click **Upload**.\n\n    \n\n12. Click **Add Information Request**.\n\n    \n\n    You are returned to the Library page with your pre-selected filters still applied.\n\n**Parent topic:**Managing the Library\n\n**Related information**  \n\nUnderstanding the Library\n\nAgency Library: Key Concepts, Features, and Management",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_specific\\topics\\t_agency_libraryMgt_IR_Add-1.md",
      "relative_path": "maps\\SES\\chapter\\SA_specific\\topics\\t_agency_libraryMgt_IR_Add-1.md",
      "headings": [
        "Adding an Information Request to the Library {#t_agency_libraryMgt_IR_Add .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_specific/topics/t_agency_libraryMgt_IR_Add-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_specific/topics/t_agency_libraryMgt_IR_Add.md:chunk-0",
      "title": "Adding an Information Request to the Library {#t_agency_libraryMgt_IR_Add .task}",
      "content": "# Adding an Information Request to the Library \n\nStaff users or directors can add Information Requests as Agency-Specific Library Items. All agency information requests are available for other agencies to view in the system.\n\nAll agency users in the agency have access to that agency’s library items and can add them freely to any supervisory activity.\n\n1.  Log into SES as a Staff Director or User role.\n\n2.  Click **View and Manage Library** on the home page.\n\n    \n\n3.  Click **Add Information Request**.\n\n    \n\n4.  Select one or more **Business Types**.\n\n    **Note:** For procedures or information requests associated with an MSB business type that are a part of the MTRA Workbook, a field for the alphanumeric identifier for the step or request within the workbook is provided.\n\n5.  Choose whether the item is **Core** or **Non-core**.\n\n6.  Select one or more **Scope Types**.\n\n7.  Select an **Area for Review**.\n\n8.  Select one or more **Business Activities**.\n\n    **Note:** If you select Mortgage Origination or Mortgage Servicing, the IR will be sent to CSBS support users for their feedback. See Adding a State-specific Mortgage Information Request to the Library for more information.\n\n9.  Select one or more **Business Activities**.\n\n10. Type the **Information Request Text**.\n\n11. Drag any associated documents to the **Upload Documents** field, and click **Upload**.\n\n    \n\n12. Click **Add Information Request**.\n\n    \n\n    You are returned to the Library page with your pre-selected filters still applied.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_specific\\topics\\t_agency_libraryMgt_IR_Add.md",
      "relative_path": "maps\\SES\\chapter\\SA_specific\\topics\\t_agency_libraryMgt_IR_Add.md",
      "headings": [
        "Adding an Information Request to the Library {#t_agency_libraryMgt_IR_Add .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_specific/topics/t_agency_libraryMgt_IR_Add.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_specific/topics/t_agency_libraryMgt_IR_AddState-Specific-Mortgage.md:chunk-0",
      "title": "Adding a State-specific Mortgage Information Request to the Library {#xd_136d0cc2ca4e8d3c--2d260eae-18d74c9cf0f--7ffd .task}",
      "content": "# Adding a State-specific Mortgage Information Request to the Library \n\nStaff users or staff directors can initiate the process for adding state-specific mortgage information requests to the Library. All agency information requests are available for other agencies to view in the system.\n\nTo avoid redundancies and duplication in the SES Library, agencies are being supported before adding mortgage state-specific IRs to the system. This applies only to state-specific IRs under \"Mortgage Origination\", and /or \"Mortgage Servicing.\" The mortgage state-specific request will be shared with CSBS support users who will assist the agency in determining whether there is a comparable standard that they can use in lieu of the state-specific IR. See Filter Process for State-specific Mortgage Information Requests for more information.\n\n1.  Log into SES as a Staff Director or User role.\n\n2.  Click **View and Manage Library** on the home page.\n\n    \n\n3.  Click **Add Information Request**.\n\n    \n\n4.  Select the desired **Business Types**.\n\n5.  Select the desired **Business Activities**.\n\n6.  Select the desired **Area for Review**.\n\n7.  Select whether the IR is **Core** or **Non-Core**.\n\n    **Note:** Selecting to change whether a state-specific mortgage IR is Core or Non-core does not require it to be submitted to support to undergo the filter process.\n\n8.  Select the **Scope Type**.\n\n9.  Enter the text of the **Information Request**.\n\n10. Upload any **Documents**.\n\n11. Click **Send to Support**. See Filter Process for State-specific Mortgage Information Requests for more information.\n\n**Parent topic:**Managing the Library",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_specific\\topics\\t_agency_libraryMgt_IR_AddState-Specific-Mortgage.md",
      "relative_path": "maps\\SES\\chapter\\SA_specific\\topics\\t_agency_libraryMgt_IR_AddState-Specific-Mortgage.md",
      "headings": [
        "Adding a State-specific Mortgage Information Request to the Library {#xd_136d0cc2ca4e8d3c--2d260eae-18d74c9cf0f--7ffd .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_specific/topics/t_agency_libraryMgt_IR_AddState-Specific-Mortgage.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_specific/topics/t_agency_libraryMgt_IR_Delete.md:chunk-0",
      "title": "Deleting an Information Request from the Library {#t_agency_libraryMgt_IR_Delete .task}",
      "content": "# Deleting an Information Request from the Library \n\nStaff users or directors can delete Information Requests that are Agency-Specific Library Items. CSBS manages Standard IRs and Procedures.\n\n**Tip:** Use the **Filters** function to limit the list of library items to those added by your agency.\n\n1.  Log into SES as a Staff Director or User role.\n\n2.  Click **View and Manage Library** on the home page.\n\n    \n\n3.  Click the **Information Reqeusts** tab.\n\n4.  **Note:** If you know the ID of the item you wish to update, you can search for the item by Library ID. Otherwise, filter the list of items to show only those belonging to your agency.\n\n    To find a library item:\n\n    1.  Type the **Library ID** and click **Search**.\n\n        \n\n    2.  Click **Show Filters**, select **My Agency** from the **Type** list, and click **Search**.\n\n        \n\n        \n\n    3.  Scroll to the bottom of the page and navigate to the next page until you find the Library item.\n\n        \n\n5.  Click the **Library ID** of the desired Library item.\n\n    \n\n6.  Click **Delete Information Request**.\n\n    \n\n    The Delete Information Request From Library confirmation message appears.\n\n7.  Click **Delete Information Request** to confirm.\n\n    \n\n**Parent topic:**Managing the Library\n\n**Related information**  \n\nUnderstanding the Library\n\nAgency Library: Key Concepts, Features, and Management",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_specific\\topics\\t_agency_libraryMgt_IR_Delete.md",
      "relative_path": "maps\\SES\\chapter\\SA_specific\\topics\\t_agency_libraryMgt_IR_Delete.md",
      "headings": [
        "Deleting an Information Request from the Library {#t_agency_libraryMgt_IR_Delete .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_specific/topics/t_agency_libraryMgt_IR_Delete.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_specific/topics/t_agency_libraryMgt_IR_Update.md:chunk-0",
      "title": "Updating an Information Request in the Library {#t_agency_libraryMgt_IR_Update .task}",
      "content": "# Updating an Information Request in the Library \n\nStaff users or directors can modify Information Requests that are Agency-Specific Library Items. CSBS maintains Standard IRs and Procedures.\n\n**Tip:** Use the **Filters** function to limit the list of library items to those added by your agency.\n\n1.  Log into SES as a Staff Director or User role.\n\n2.  Click **View and Manage Library** on the home page.\n\n    \n\n3.  Click the **Information Reqeusts** tab.\n\n4.  **Note:** If you know the ID of the item you wish to update, you can search for the item by Library ID. Otherwise, filter the list of items to show only those belonging to your agency.\n\n    To find a library item:\n\n    1.  Type the **Library ID** and click **Search**.\n\n        \n\n    2.  Click **Show Filters**, select **My Agency** from the **Type** list, and click **Search**.\n\n        \n\n        \n\n    3.  Scroll to the bottom of the page and navigate to the next page until you find the Library item.\n\n        \n\n5.  Click the **Library ID** of the desired Library item.\n\n    \n\n6.  Click **Update Information Request**.\n\n    \n\n7.  Make the necessary changes to **Business Type**.\n\n    The **Area for Review** and **Business Activities** lists become available.\n\n8.  Make any necessary change to the **Area for Review**.\n\n    **Note:** You can select only one AFR.\n\n9.  Make any necessary changes to the **Business Activities**.\n\n10. Choose whether the item is **Core** or **Non-core**.\n\n11. Select one or more **Scope Types**.\n\n12. Change the **Information Request Text** as necessary.\n\n13. Drag any associated documents to the **Upload Documents** field, and click **Upload**.\n\n    \n\n14. Click **Update Information Request**.\n\n    \n\n**Parent topic:**Managing the Library\n\n**Related information**  \n\nUnderstanding the Library\n\nAgency Library: Key Concepts, Features, and Management",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_specific\\topics\\t_agency_libraryMgt_IR_Update.md",
      "relative_path": "maps\\SES\\chapter\\SA_specific\\topics\\t_agency_libraryMgt_IR_Update.md",
      "headings": [
        "Updating an Information Request in the Library {#t_agency_libraryMgt_IR_Update .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_specific/topics/t_agency_libraryMgt_IR_Update.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_specific/topics/t_agency_libraryMgt_procedureAdd-1.md:chunk-0",
      "title": "Adding a Procedure to the Library {#t_agency_libraryMgt_procedureAdd .task}",
      "content": "# Adding a Procedure to the Library \n\nStaff users or directors can add Procedures as Agency-Specific Library Items. All agency procedures are available for other agencies to view in the system.\n\nAll agency users in the agency have access to that agency’s library items and can add them freely to any supervisory activity.\n\n1.  Log into SES as a Staff Director or User role.\n\n2.  Click **View and Manage Library** on the home page.\n\n    \n\n3.  Click **Add Procedure**.\n\n    \n\n4.  Select one or more **Business Types**.\n\n    **Note:** For procedures or information requests associated with an MSB business type that are a part of the MTRA Workbook, a field for the alphanumeric identifier for the step or request within the workbook is provided.\n\n5.  Choose whether the item is **Core** or **Non-core**.\n\n6.  Select one or more **Scope Types**.\n\n7.  Select an **Area for Review**.\n\n8.  Select one or more **Business Activities**.\n\n9.  Type the **Procedure Text**.\n\n10. Drag any associated documents to the **Upload Documents** field, and click **Upload**.\n\n    \n\n11. Associate any desired information requests to the procedure. See for more information.\n\n    \n\n    **Note:** SES permits the association of core procedures or information requests to non-core procedures or information requests.\n\n12. Click **Add Procedure**.\n\n    \n\n    You are returned to the Library page with your pre-selected filters still applied.\n\n**Parent topic:**Managing the Library\n\n**Related information**  \n\nUnderstanding the Library\n\nAgency Library: Key Concepts, Features, and Management",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_specific\\topics\\t_agency_libraryMgt_procedureAdd-1.md",
      "relative_path": "maps\\SES\\chapter\\SA_specific\\topics\\t_agency_libraryMgt_procedureAdd-1.md",
      "headings": [
        "Adding a Procedure to the Library {#t_agency_libraryMgt_procedureAdd .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_specific/topics/t_agency_libraryMgt_procedureAdd-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_specific/topics/t_agency_libraryMgt_procedureAdd.md:chunk-0",
      "title": "Adding a Procedure to the Library {#t_agency_libraryMgt_procedureAdd .task}",
      "content": "# Adding a Procedure to the Library \n\nStaff users or directors can add Procedures as Agency-Specific Library Items. All agency procedures are available for other agencies to view in the system.\n\nAll agency users in the agency have access to that agency’s library items and can add them freely to any supervisory activity.\n\n1.  Log into SES as a Staff Director or User role.\n\n2.  Click **View and Manage Library** on the home page.\n\n    \n\n3.  Click **Add Procedure**.\n\n    \n\n4.  Select one or more **Business Types**.\n\n    **Note:** For procedures or information requests associated with an MSB business type that are a part of the MTRA Workbook, a field for the alphanumeric identifier for the step or request within the workbook is provided.\n\n5.  Choose whether the item is **Core** or **Non-core**.\n\n6.  Select one or more **Scope Types**.\n\n7.  Select an **Area for Review**.\n\n8.  Select one or more **Business Activities**.\n\n9.  Type the **Procedure Text**.\n\n10. Drag any associated documents to the **Upload Documents** field, and click **Upload**.\n\n    \n\n11. Associate any desired information requests to the procedure. See for more information.\n\n    \n\n    **Note:** SES permits the association of core procedures or information requests to non-core procedures or information requests.\n\n12. Click **Add Procedure**.\n\n    \n\n    You are returned to the Library page with your pre-selected filters still applied.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_specific\\topics\\t_agency_libraryMgt_procedureAdd.md",
      "relative_path": "maps\\SES\\chapter\\SA_specific\\topics\\t_agency_libraryMgt_procedureAdd.md",
      "headings": [
        "Adding a Procedure to the Library {#t_agency_libraryMgt_procedureAdd .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_specific/topics/t_agency_libraryMgt_procedureAdd.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_specific/topics/t_agency_libraryMgt_procedureDelete.md:chunk-0",
      "title": "Deleting a Procedure from the Library {#t_agency_libraryMgt_procedureDelete .task}",
      "content": "# Deleting a Procedure from the Library \n\nStaff users or directors can delete Procedures that are Agency-Specific Library Items. CSBS manages Standard IRs and Procedures.\n\n**Tip:** Use the **Filters** function to limit the list of library items to those added by your agency.\n\n1.  Log into SES as a Staff Director or User role.\n\n2.  Click **View and Manage Library** on the home page.\n\n    \n\n3.  Click the **Procedures** tab if it is not already active.\n\n4.  **Note:** If you know the ID of the item you wish to update, you can search for the item by Library ID. Otherwise, filter the list of items to show only those belonging to your agency.\n\n    To find a library item:\n\n    1.  Type the **Library ID** and click **Search**.\n\n        \n\n    2.  Click **Show Filters**, select **My Agency** from the **Type** list, and click **Search**.\n\n        \n\n        \n\n    3.  Scroll to the bottom of the page and navigate to the next page until you find the Library item.\n\n        \n\n5.  Click the **Library ID** of the desired Library item.\n\n    \n\n6.  Click **Delete Procedure**.\n\n    \n\n    The Delete Procedure From Library confirmation message appears.\n\n7.  Click **Deactivate Reference** to confirm.\n\n    \n\n**Parent topic:**Managing the Library\n\n**Related information**  \n\nUnderstanding the Library\n\nAgency Library: Key Concepts, Features, and Management",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_specific\\topics\\t_agency_libraryMgt_procedureDelete.md",
      "relative_path": "maps\\SES\\chapter\\SA_specific\\topics\\t_agency_libraryMgt_procedureDelete.md",
      "headings": [
        "Deleting a Procedure from the Library {#t_agency_libraryMgt_procedureDelete .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_specific/topics/t_agency_libraryMgt_procedureDelete.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_specific/topics/t_agency_libraryMgt_procedureUpdate.md:chunk-0",
      "title": "Updating a Procedure in the Library {#t_agency_libraryMgt_procedureUpdate .task}",
      "content": "# Updating a Procedure in the Library \n\nStaff users or directors can modify Procedures that are Agency-Specific Library Items. CSBS maintains Standard IRs and Procedures.\n\n**Tip:** Use the **Filters** function to limit the list of library items to those added by your agency.\n\n1.  Log into SES as a Staff Director or User role.\n\n2.  Click **View and Manage Library** on the home page.\n\n    \n\n3.  Click the **Procedures** tab if it is not already active.\n\n4.  **Note:** If you know the ID of the item you wish to update, you can search for the item by Library ID. Otherwise, filter the list of items to show only those belonging to your agency.\n\n    To find a library item:\n\n    1.  Type the **Library ID** and click **Search**.\n\n        \n\n    2.  Click **Show Filters**, select **My Agency** from the **Type** list, and click **Search**.\n\n        \n\n        \n\n    3.  Scroll to the bottom of the page and navigate to the next page until you find the Library item.\n\n        \n\n5.  Click the **Library ID** of the desired Library item.\n\n    \n\n6.  Click **Update Procedure**.\n\n    \n\n7.  Make the necessary changes to **Business Type**.\n\n    The **Area for Review** and **Business Activities** lists become available.\n\n8.  Make any necessary change to the **Area for Review**.\n\n    **Note:** You can select only one AFR.\n\n9.  Make any necessary changes to the **Business Activities**.\n\n10. Choose whether the item is **Core** or **Non-core**.\n\n11. Select one or more **Scope Types**.\n\n12. Change the **Procedure Text** as necessary.\n\n13. Drag any associated documents to the **Upload Documents** field, and click **Upload**.\n\n    \n\n14. Click **Update Procedure**.\n\n    \n\n**Parent topic:**Managing the Library\n\n**Related information**  \n\nUnderstanding the Library\n\nAgency Library: Key Concepts, Features, and Management",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_specific\\topics\\t_agency_libraryMgt_procedureUpdate.md",
      "relative_path": "maps\\SES\\chapter\\SA_specific\\topics\\t_agency_libraryMgt_procedureUpdate.md",
      "headings": [
        "Updating a Procedure in the Library {#t_agency_libraryMgt_procedureUpdate .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_specific/topics/t_agency_libraryMgt_procedureUpdate.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_specific/topics/t_agency_libraryMgt_referenceAdd.md:chunk-0",
      "title": "Adding a Reference to the Library {#t_agency_libraryMgt_referenceAdd .task}",
      "content": "# Adding a Reference to the Library \n\nStaff users or directors can add References as Agency-Specific Library Items. Agency references are not automatically accessible by other agencies with access to SES; agency staff directors and staff users have the option to share, or not share, references with other agencies.\n\nAll agency users in the agency have access to that agency’s library items and can add them freely to any supervisory activity.\n\n**Remember:** a document or a link is required to add a reference.\n\n1.  Log into SES as a Staff Director or User role.\n\n2.  Click **View and Manage Library** on the home page.\n\n    \n\n3.  Click **Add Reference**.\n\n    \n\n4.  Type a **Title**.\n\n5.  Select a **Business Type**.\n\n6.  Select an **SA Type**.\n\n7.  Select a **Milestone**.\n\n8.  Choose whether to **Share with Other Agencies**.\n\n9.  Add a **Link**.\n\n    The link must include a protocol \\(`https:` `http:` or `ftp:`\\) and use a common format. If you do not add a link, you must upload a document.\n\n10. Type the **Description**.\n\n11. Drag any associated documents to the **Upload Documents** field, and click **Upload**.\n\n    \n\n12. Click **Add Reference**.\n\n    \n\n    You are returned to the Library page with your pre-selected filters still applied.\n\n**Parent topic:**Managing the Library\n\n**Related information**  \n\nUnderstanding the Library\n\nAgency Library: Key Concepts, Features, and Management",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_specific\\topics\\t_agency_libraryMgt_referenceAdd.md",
      "relative_path": "maps\\SES\\chapter\\SA_specific\\topics\\t_agency_libraryMgt_referenceAdd.md",
      "headings": [
        "Adding a Reference to the Library {#t_agency_libraryMgt_referenceAdd .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_specific/topics/t_agency_libraryMgt_referenceAdd.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_specific/topics/t_agency_libraryMgt_referenceDeactivate.md:chunk-0",
      "title": "Deactivating a Reference in the Library {#t_agency_libraryMgt_referenceDeactivate .task}",
      "content": "# Deactivating a Reference in the Library \n\nStaff users or directors can deactivate References that are Agency-Specific Library Items. CSBS manages Standard IRs and Procedures.\n\n**Tip:** Use the **Filters** function to limit the list of library items to those added by your agency.\n\n1.  Log into SES as a Staff Director or User role.\n\n2.  Click **View and Manage Library** on the home page.\n\n    \n\n3.  Click the **References** tab.\n\n4.  **Note:** If you know the ID of the item you wish to update, you can search for the item by Library ID. Otherwise, filter the list of items to show only those belonging to your agency.\n\n    To find a library item:\n\n    1.  Type the **Library ID** and click **Search**.\n\n        \n\n    2.  Click **Show Filters**, select **My Agency** from the **Type** list, and click **Search**.\n\n        \n\n        \n\n    3.  Scroll to the bottom of the page and navigate to the next page until you find the Library item.\n\n        \n\n5.  Click the **Library ID** of the desired Library item.\n\n    \n\n6.  Click **Deactivate Reference**.\n\n    \n\n    The Deactivate Reference From Library confirmation message appears.\n\n7.  Click **Deactivate Reference** to confirm.\n\n    \n\n**Parent topic:**Managing the Library\n\n**Related information**  \n\nUnderstanding the Library\n\nAgency Library: Key Concepts, Features, and Management",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_specific\\topics\\t_agency_libraryMgt_referenceDeactivate.md",
      "relative_path": "maps\\SES\\chapter\\SA_specific\\topics\\t_agency_libraryMgt_referenceDeactivate.md",
      "headings": [
        "Deactivating a Reference in the Library {#t_agency_libraryMgt_referenceDeactivate .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_specific/topics/t_agency_libraryMgt_referenceDeactivate.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_specific/topics/t_agency_libraryMgt_referenceUpdate.md:chunk-0",
      "title": "Updating a Reference in the Library {#t_agency_libraryMgt_referenceUpdate .task}",
      "content": "# Updating a Reference in the Library \n\nReferences can be updated to change title, description, SA type, business type, hyperlink, and whether to share with other agencies.\n\n**Tip:** Use the **Filters** function to limit the list of library items to those added by your agency.\n\n1.  Log into SES as a Staff Director or User role.\n\n2.  Click **View and Manage Library** on the home page.\n\n    \n\n3.  Click the **References** tab.\n\n4.  **Note:** If you know the ID of the item you wish to update, you can search for the item by Library ID. Otherwise, filter the list of items to show only those belonging to your agency.\n\n    To find a library item:\n\n    1.  Type the **Library ID** and click **Search**.\n\n        \n\n    2.  Click **Show Filters**, select **My Agency** from the **Type** list, and click **Search**.\n\n        \n\n        \n\n    3.  Scroll to the bottom of the page and navigate to the next page until you find the Library item.\n\n        \n\n5.  Click the **Library ID** of the desired Library item.\n\n    \n\n6.  Click **Update Reference**.\n\n    \n\n7.  Change the **Title** if necessary.\n\n8.  Change the **Business Type** if necessary.\n\n9.  Change the **SA Type** if necessary.\n\n10. Change the **Milestone** if necessary.\n\n11. Choose whether to **Share with Other Agencies**.\n\n12. Add or change the **Link**.\n\n    The link must include a protocol \\(`https:` `http:` or `ftp:`\\) and use a common format. If you do not add a link, you must upload a document.\n\n13. Change the **Description** if necessary.\n\n14. Drag any associated documents to the **Upload Documents** field, and click **Upload**.\n\n    \n\n15. Click **Update Reference**.\n\n    \n\n**Parent topic:**Managing the Library\n\n**Related information**  \n\nUnderstanding the Library\n\nAgency Library: Key Concepts, Features, and Management",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_specific\\topics\\t_agency_libraryMgt_referenceUpdate.md",
      "relative_path": "maps\\SES\\chapter\\SA_specific\\topics\\t_agency_libraryMgt_referenceUpdate.md",
      "headings": [
        "Updating a Reference in the Library {#t_agency_libraryMgt_referenceUpdate .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_specific/topics/t_agency_libraryMgt_referenceUpdate.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_specific/topics/t_agency_libraryMgt_viewing.md:chunk-0",
      "title": "Viewing Items in the SES Library {#t_agency_libraryMgt_viewing .task}",
      "content": "# Viewing Items in the SES Library \n\nStaff Users, Staff Directors and Examiners can view the SES Library. You can access items by searching for ID, using filters, or browsing the list.\n\nThe Library contains Information Requests, Procedures, References, Area for Review, and Work Programs.\n\nProcedures, References, and Information Requests are classified as Agency-Specific Library Items or Standard IRs and Procedures.\n\nProcedures and Information Requests are also classified as Core or Non-core.\n\n**Note:** These are the SES home page commands available to staff users and staff directors:\n\n [^1]\n\n**Note:** These are the SES home page commands available to examiners:\n\n1.  Log into SES as a Staff Director or User, or Examiner role.\n\n2.  Click **View Library**.\n\n    The Library page is displayed with the **Procedures** tab selected by default.\n\n    \n\n3.  To find a library item:\n\n    1.  Click on the appropriate tab at the top.\n\n    2.  Type the **Library ID** and click **Search**.\n\n        \n\n    3.  Scroll to the bottom of the page and navigate to the next page until you find the Library item.\n\n        \n\n    4.  Click **Show Filters**, and select the appropriate filters to limit the list, click **Search**, then scroll and navigate through the pages until you find the desired Library item.\n\n        \n\n        **Note:** The available filters vary depending on the Library Item type.\n\n4.  Click the **Library ID** of the desired Library item.\n\n    \n\n    The Library item opens in the Library list area.\n\n    \n\n    **Note:** For procedures or information requests associated with an MSB business type that are a part of the MTRA Workbook, the alphanumeric identifier for the step and the step title within the workbook is provided.\n\n5.  To return to the list of Library items, click the parent breadcrumb at the upper left corner of the Library Item Detail screen.\n\n    \n\n**Parent topic:**Managing the Library\n\n**Related information**  \n\nUnderstanding the Library\n\nAgency Library: Key Concep",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_specific\\topics\\t_agency_libraryMgt_viewing.md",
      "relative_path": "maps\\SES\\chapter\\SA_specific\\topics\\t_agency_libraryMgt_viewing.md",
      "headings": [
        "Viewing Items in the SES Library {#t_agency_libraryMgt_viewing .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_specific/topics/t_agency_libraryMgt_viewing.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_specific/topics/t_agency_libraryMgt_viewing.md:chunk-1",
      "title": "Viewing Items in the SES Library {#t_agency_libraryMgt_viewing .task}",
      "content": "nt breadcrumb at the upper left corner of the Library Item Detail screen.\n\n    \n\n**Parent topic:**Managing the Library\n\n**Related information**  \n\nUnderstanding the Library\n\nAgency Library: Key Concepts, Features, and Management\n\n[^1]: Note that **Manage Complaints** is only available to users with Complaints Access permission in their user profiles. See Updating Agency User Roles\n[^2]: Note that **Manage Complaints** is only available to users with Complaints Access permission in their user profiles. See Updating Agency User Roles",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_specific\\topics\\t_agency_libraryMgt_viewing.md",
      "relative_path": "maps\\SES\\chapter\\SA_specific\\topics\\t_agency_libraryMgt_viewing.md",
      "headings": [
        "Viewing Items in the SES Library {#t_agency_libraryMgt_viewing .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_specific/topics/t_agency_libraryMgt_viewing.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_specific/topics/t_company_SA_assignLead-1.md:chunk-0",
      "title": "Assigning the Company Lead on a Supervisory Activity {#t_company_SA_assignLead .task}",
      "content": "# Assigning the Company Lead on a Supervisory Activity \n\nThe company lead is the main point of contact for a Supervisory Activity, responsible for responding to Information Requests, the Report of Examination, and Matters Requiring Attention.\n\n**Note:** The supervisory activity contact is the only user who can assign a company lead on an SA.\n\n1.  Click **New Exam – Assign Company Lead** on the homepage.\n\n    \n\n2.  Select a company lead from the **Company Lead** list at the bottom of the page.\n\n    \n\n3.  Click **Assign Company Lead**.\n\n    \n\n**Parent topic:**Managing Company Supervisory Activity Participants",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_specific\\topics\\t_company_SA_assignLead-1.md",
      "relative_path": "maps\\SES\\chapter\\SA_specific\\topics\\t_company_SA_assignLead-1.md",
      "headings": [
        "Assigning the Company Lead on a Supervisory Activity {#t_company_SA_assignLead .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_specific/topics/t_company_SA_assignLead-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/SA_specific/topics/t_company_SA_assignLead.md:chunk-0",
      "title": "Assigning the Company Lead on a Supervisory Activity {#t_company_SA_assignLead .task}",
      "content": "# Assigning the Company Lead on a Supervisory Activity \n\nThe company lead is the main point of contact for a Supervisory Activity, responsible for responding to Information Requests, the Report of Examination, and Matters Requiring Attention.\n\n**Note:** The supervisory activity contact is the only user who can assign a company lead on an SA.\n\n1.  Click **New Exam – Assign Company Lead** on the homepage.\n\n    \n\n2.  Select a company lead from the **Company Lead** list at the bottom of the page.\n\n    \n\n3.  Click **Assign Company Lead**.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\SA_specific\\topics\\t_company_SA_assignLead.md",
      "relative_path": "maps\\SES\\chapter\\SA_specific\\topics\\t_company_SA_assignLead.md",
      "headings": [
        "Assigning the Company Lead on a Supervisory Activity {#t_company_SA_assignLead .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/SA_specific/topics/t_company_SA_assignLead.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/TR/topics/c_agency_transactionRequests.md:chunk-0",
      "title": "Transaction Requests for Agencies {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7ff9 .concept}",
      "content": "# Transaction Requests for Agencies \n\nTransaction requests in SES allow agency users to initiate and manage formal requests related to specific transactions during a money services business \\(MSB\\) examination. Unlike information requests or loan requests, which target broader data or document categories, transaction requests focus on obtaining evidence tied to individual transactions, supporting detailed analysis and issue identification throughout the examination lifecycle.\n\nTransaction requests are individual items or sets of documents and data that examiners request from a company during the course of an MSB company examination in SES. They are typically used to gather detailed information about specific loans, accounts, transactions, or other business activities that fall within the scope of the exam. These requests help examiners evaluate compliance, verify company practices, and support the development of findings.\n\nTransaction requests are created and managed within SES as part of the examination process. Each request may ask for information about a single transaction or multiple related transactions and can include instructions or questions the company must respond to.\n\n## How Transaction Requests Support the Examination Process \n\nTransaction requests are a core tool examiners use to:\n\n-   Obtain supporting documentation and data directly from the company.\n-   Investigate specific areas of concern or interest identified during planning or field work.\n-   Collaborate with other regulators on multi-state exams by standardizing information requests.\n-   Link evidence to examination Findings within SES for review and reporting.\n-   Track outstanding requests and company responses using the Transaction Request Dashboard.\n\n-   **Adding Transaction Requests**  \nThis topic explains how to add transaction requests to a supervisory activity \\(SA\\) of a money services business \\(MSB\\) company in SES. Agency users can create and upload transaction-specific requests to ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\TR\\topics\\c_agency_transactionRequests.md",
      "relative_path": "maps\\SES\\chapter\\TR\\topics\\c_agency_transactionRequests.md",
      "headings": [
        "Transaction Requests for Agencies {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7ff9 .concept}",
        "How Transaction Requests Support the Examination Process {#section_qy1_trt_pfc .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/TR/topics/c_agency_transactionRequests.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/TR/topics/c_agency_transactionRequests.md:chunk-1",
      "title": "Transaction Requests for Agencies {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7ff9 .concept}",
      "content": "opic explains how to add transaction requests to a supervisory activity \\(SA\\) of a money services business \\(MSB\\) company in SES. Agency users can create and upload transaction-specific requests to gather detailed documentation or clarifications from companies.\n-   **Assigning an Individual Transaction Request**  \nThis task explains how agency users can assign individual transaction requests \\(TRs\\) to another participant on a supervisory activity in SES.\n-   **Bulk Assigning Transaction Requests**  \nThis task explains how agency users can bulk assign multiple transaction requests \\(TRs\\) to a participant on a supervisory activity \\(SA\\) in SES.\n-   **Updating, Deleting, or Canceling Transaction Requests**  \nThis task explains how agency users can update, delete, or cancel transaction requests \\(TRs\\) in SES, depending on each TR’s current status. Users can revise draft TRs, remove unsubmitted requests, or cancel active requests that are no longer needed.\n-   **Sending Transaction Requests to the Company**  \nThis task explains how agency users can send finalized transaction requests \\(TRs\\) to the company within a supervisory activity \\(SA\\) in SES. Sending TRs transitions them from draft to active status, notifies the company, and makes the requests visible for response.\n-   **Reviewing Company Transaction Request Responses**  \nThis task describes how agency users can review responses submitted by companies to transaction requests \\(TRs\\) within SES.\n-   **Managing Associated Findings for Transaction Requests**  \nThis task explains how agency users can manage findings associated with transaction requests \\(TRs\\) in SES. Users can create, link, update, or remove findings tied to specific TRs to document issues identified during the examination.\n-   **Sending Transaction Requests Back to the Company After Review**  \nThis task explains how agency users can send transaction requests \\(TRs\\) back to the company in SES after completing an initial review. If a response ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\TR\\topics\\c_agency_transactionRequests.md",
      "relative_path": "maps\\SES\\chapter\\TR\\topics\\c_agency_transactionRequests.md",
      "headings": [
        "Transaction Requests for Agencies {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7ff9 .concept}",
        "How Transaction Requests Support the Examination Process {#section_qy1_trt_pfc .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/TR/topics/c_agency_transactionRequests.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/TR/topics/c_agency_transactionRequests.md:chunk-2",
      "title": "Transaction Requests for Agencies {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7ff9 .concept}",
      "content": "on Requests Back to the Company After Review**  \nThis task explains how agency users can send transaction requests \\(TRs\\) back to the company in SES after completing an initial review. If a response is incomplete, unclear, or requires additional documentation, users can return the TR to the company with comments or instructions. This action reopens the request for further response and supports ongoing collaboration during the examination process.\n\n**Parent topic:**Conducting a Supervisory Activity\n\n**Previous topic:**Recalling a Loan Request Sent to the Company\n\n**Next topic:**Adding Transaction Requests",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\TR\\topics\\c_agency_transactionRequests.md",
      "relative_path": "maps\\SES\\chapter\\TR\\topics\\c_agency_transactionRequests.md",
      "headings": [
        "Transaction Requests for Agencies {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7ff9 .concept}",
        "How Transaction Requests Support the Examination Process {#section_qy1_trt_pfc .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/TR/topics/c_agency_transactionRequests.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/TR/topics/c_company_TR_transactionRequests.md:chunk-0",
      "title": "Transaction Requests for Companies {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fe6 .concept}",
      "content": "# Transaction Requests for Companies \n\nTransaction requests in SES allow agency users to initiate and manage formal requests related to specific transactions during a money services business \\(MSB\\) examination. Unlike information requests or loan requests, which target broader data or document categories, transaction requests focus on obtaining evidence tied to individual transactions, supporting detailed analysis and issue identification throughout the examination lifecycle.\n\nTransaction requests are formal requests for documentation or information that you may receive from a state agency during a non-bank examination conducted in SES. These requests typically relate to accounts, transactions, or business practices that the regulator is reviewing as part of the exam.\n\n## How Transaction Requests Fit into the Examination Process \n\nTransaction requests are an important part of how examiners collect supporting information to evaluate your company’s compliance with applicable laws and regulations. Your timely and complete responses help examiners complete their review and may be used to support findings or close out specific areas of the examination.\n\nIn SES, companies use the Transaction Requests feature to:\n\n-   View and track all open and completed transaction requests from one or more state agencies.\n-   Upload documents and provide explanations or responses directly in the system.\n-   Collaborate with internal team members to gather the required information.\n-   Monitor the status of each request and respond by the specified due dates.\n\n-   **Assigning an Individual Transaction Request Response**  \nThis task explains how company users can assign individual transaction request \\(TR\\) responses to another participant on a supervisory activity in SES.\n-   **Bulk Assigning Transaction Request Responses**  \nThis task explains how company users can bulk assign multiple transaction requests \\(TRs\\) to a participant on a supervisory activity \\(SA\\) in SES.\n-   **Adding R",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\TR\\topics\\c_company_TR_transactionRequests.md",
      "relative_path": "maps\\SES\\chapter\\TR\\topics\\c_company_TR_transactionRequests.md",
      "headings": [
        "Transaction Requests for Companies {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fe6 .concept}",
        "How Transaction Requests Fit into the Examination Process {#section_dzv_3x1_sfc .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/TR/topics/c_company_TR_transactionRequests.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/TR/topics/c_company_TR_transactionRequests.md:chunk-1",
      "title": "Transaction Requests for Companies {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fe6 .concept}",
      "content": "ng Transaction Request Responses**  \nThis task explains how company users can bulk assign multiple transaction requests \\(TRs\\) to a participant on a supervisory activity \\(SA\\) in SES.\n-   **Adding Responses to Transaction Requests**  \nThis task explains how company users can add responses to transaction requests \\(TRs\\) in SES as part of a supervisory activity \\(SA\\). Users can upload documents, enter comments, and provide required transaction-level information in response to requests submitted by the agency.\n-   **Sending Transaction Request Responses to the Agency**  \nThis task explains how company users can send completed transaction request \\(TR\\) responses to the agency through SES. After uploading documents and entering required information, users must submit the TRs to make them available for agency review.\n\n**Parent topic:**SES Examinations and Investigations Resources for Companies",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\TR\\topics\\c_company_TR_transactionRequests.md",
      "relative_path": "maps\\SES\\chapter\\TR\\topics\\c_company_TR_transactionRequests.md",
      "headings": [
        "Transaction Requests for Companies {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fe6 .concept}",
        "How Transaction Requests Fit into the Examination Process {#section_dzv_3x1_sfc .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/TR/topics/c_company_TR_transactionRequests.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/TR/topics/t_agency_TR_addingSingle.md:chunk-0",
      "title": "Adding Transaction Requests {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7ffa .task}",
      "content": "# Adding Transaction Requests \n\nThis topic explains how to add transaction requests to a supervisory activity \\(SA\\) of a money services business \\(MSB\\) company in SES. Agency users can create and upload transaction-specific requests to gather detailed documentation or clarifications from companies.\n\nActive participants on a supervisory activity can add transaction requests. Adding transaction requests is a key step in conducting a thorough examination in SES. These requests enable agency users to collect transaction-level documentation from licensees as part of a supervisory activity. Understanding how to properly add these requests ensures accurate, timely communication and supports a well-documented examination process.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Transaction Requests** > **Add Transaction Request**.\n\n3.  Select a Reason for the transaction request.\n\n4.  Add Transaction ID information.\n\n    -   Click **Add Transaction ID** to enter transaction IDs one by one.\n    -   Click **Paste List** to paste a list of transaction IDs from an Excel spreadsheet.\n5.  Add Customer Information.\n\n    -   Click **Add Customer Information** to enter transaction IDs one by one.\n    -   Click **Paste List** to paste a list of customer information from an Excel spreadsheet.\n6.  Add documents, comments, or a response due date.\n\n7.  Click **Add Transaction Request**.\n\n**Parent topic:**Transaction Requests for Agencies",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\TR\\topics\\t_agency_TR_addingSingle.md",
      "relative_path": "maps\\SES\\chapter\\TR\\topics\\t_agency_TR_addingSingle.md",
      "headings": [
        "Adding Transaction Requests {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7ffa .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/TR/topics/t_agency_TR_addingSingle.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/TR/topics/t_agency_TR_assigningSingle.md:chunk-0",
      "title": "Assigning an Individual Transaction Request {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fee .task}",
      "content": "# Assigning an Individual Transaction Request \n\nThis task explains how agency users can assign individual transaction requests \\(TRs\\) to another participant on a supervisory activity in SES.\n\nThe EIC on a supervisory activity \\(SA\\) or a staff user from the lead agency in a multi-state examination can assign transaction requests to other participants on an SA.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Transaction Requests** > **Transaction Request Details**.\n\n3.  Select **Actions** for the desired transaction request.\n\n    \n\n4.  Select **Assign Transaction Request**.\n\n5.  Select the desired **Assignee**.\n\n6.  Click **Assign Transaction Request**.\n\n**Parent topic:**Transaction Requests for Agencies",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\TR\\topics\\t_agency_TR_assigningSingle.md",
      "relative_path": "maps\\SES\\chapter\\TR\\topics\\t_agency_TR_assigningSingle.md",
      "headings": [
        "Assigning an Individual Transaction Request {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fee .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/TR/topics/t_agency_TR_assigningSingle.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/TR/topics/t_agency_TR_associateFinding.md:chunk-0",
      "title": "Managing Associated Findings for Transaction Requests {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7feb .task}",
      "content": "# Managing Associated Findings for Transaction Requests \n\nThis task explains how agency users can manage findings associated with transaction requests \\(TRs\\) in SES. Users can create, link, update, or remove findings tied to specific TRs to document issues identified during the examination.\n\nDuring an examination, active participants on a supervisory activity \\(SA\\) can associate findings directly with individual TRs, ensuring that issues are clearly documented and linked to the supporting evidence.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Transaction Requests** > **Transaction Request Details**.\n\n3.  Select **Actions** for the desired transaction request.\n\n    \n\n4.  Select **Manage Finding Association**.\n\n5.  Search for the relevant findings.\n\n6.  Select the desired findings from the grid.\n\n7.  Click **Confirm Associations**.\n\n    \n\nThe request is now associated to specific findings and is displayed on the Transaction Request Details page in the Associated Findings section.\n\n**Parent topic:**Transaction Requests for Agencies",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\TR\\topics\\t_agency_TR_associateFinding.md",
      "relative_path": "maps\\SES\\chapter\\TR\\topics\\t_agency_TR_associateFinding.md",
      "headings": [
        "Managing Associated Findings for Transaction Requests {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7feb .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/TR/topics/t_agency_TR_associateFinding.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/TR/topics/t_agency_TR_bulkAssigning.md:chunk-0",
      "title": "Bulk Assigning Transaction Requests {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fed .task}",
      "content": "# Bulk Assigning Transaction Requests \n\nThis task explains how agency users can bulk assign multiple transaction requests \\(TRs\\) to a participant on a supervisory activity \\(SA\\) in SES.\n\nThe EIC on a supervisory activity \\(SA\\) or a staff user from the lead agency in a multi-state examination can bulk assign transaction requests \\(TRs\\) to other participants on an SA. During an examination in SES, agency users may need to assign a large number of TRs to examiners participating in a supervisory activity. The bulk assignment feature simplifies this process by enabling users to select multiple TRs and assign them to an individual. This is especially useful for large-scale reviews or when distributing work based on examiner specialization or availability.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Transaction Requests** > **Bulk Assign Transaction Requests**.\n\n3.  Select the desired **Assignee**.\n\n4.  Select the desired **Transaction Requests** to assign.\n\n5.  Assign the transaction requests.\n\n    -   Select **Assign Transaction Requests and Assign More**.\n\n        **Note:** Repeat the process above to bulk assign transaction requests to another participant.\n\n    -   Select **Assign Transaction Requests**.\n\n**Parent topic:**Transaction Requests for Agencies",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\TR\\topics\\t_agency_TR_bulkAssigning.md",
      "relative_path": "maps\\SES\\chapter\\TR\\topics\\t_agency_TR_bulkAssigning.md",
      "headings": [
        "Bulk Assigning Transaction Requests {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fed .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/TR/topics/t_agency_TR_bulkAssigning.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/TR/topics/t_agency_TR_reviewingResponses.md:chunk-0",
      "title": "Reviewing Company Transaction Request Responses {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fe9 .task}",
      "content": "# Reviewing Company Transaction Request Responses \n\nThis task describes how agency users can review responses submitted by companies to transaction requests \\(TRs\\) within SES.\n\nThe EIC on an SA or a staff user from the lead agency in a multi-state examination can review the responses submitted within SES. This review process involves verifying that the requested documentation or information is complete and meets examination requirements.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Transaction Requests**.\n\n3.  Click the **Response Received** icon.\n\n    \n\n4.  Select **Actions** for the desired transaction request.\n\n    \n\n5.  Select **Review Transaction Request**.\n\n6.  Add any work paper notes, indicate if there is a violation associated with the TR, select the desired record retention policy, and upload any relevant documents.\n\n7.  Click **Quick Add a Finding**. This creates an association between the finding and the TR in the system, and the association is displayed everywhere the finding and the TR are displayed in the system.\n\n    \n\n    **Note:** **Quick Add a Finding** only appears if the SA is in the In-Flight milestone.\n\n8.  You can also add and Matters Requiring Attention to the finding by clicking **Quick Add a MRA**.\n\n    \n\n    See Adding Matters Requiring Attention.\n\n    Adding an Matters Requiring Attention automatically associates the MRA to this finding. The MRA automatically moves to the Complete status.\n\n9.  Select the desired **Available Next Action**:\n\n    -   **Save Work**\n    -   **Complete Review**\n\n**Parent topic:**Transaction Requests for Agencies",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\TR\\topics\\t_agency_TR_reviewingResponses.md",
      "relative_path": "maps\\SES\\chapter\\TR\\topics\\t_agency_TR_reviewingResponses.md",
      "headings": [
        "Reviewing Company Transaction Request Responses {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fe9 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/TR/topics/t_agency_TR_reviewingResponses.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/TR/topics/t_agency_TR_sendingBack.md:chunk-0",
      "title": "Sending Transaction Requests Back to the Company After Review {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fe8 .task}",
      "content": "# Sending Transaction Requests Back to the Company After Review \n\nThis task explains how agency users can send transaction requests \\(TRs\\) back to the company in SES after completing an initial review. If a response is incomplete, unclear, or requires additional documentation, users can return the TR to the company with comments or instructions. This action reopens the request for further response and supports ongoing collaboration during the examination process.\n\nAfter reviewing a company’s response to a transaction request \\(TR\\) in SES, agency users may determine that additional clarification or documentation is needed. In such cases, the TR can be sent back to the company for further action. This allows examiners to provide comments or specific instructions, ensuring the company understands what is required.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Loan Requests**.\n\n    \n\n3.  Click the **Response Received** icon.\n\n    \n\n4.  Select **Actions** for the desired transaction request.\n\n    \n\n5.  Select **Send Back to Company**.\n\n6.  Enter a due date.\n\n7.  Enter a comment in the **Response** field or upload a document.\n\n    Please note the following restrictions with regard to file uploads in SES. It is recommended to use a ZIP folder or File Sharing Links when uploading large files or more than 25 files at a time.\n\n    -   **File formats supported**: SES will accept all file formats, but the following commonly supported file types are recommended: PDF, Word®, Excel®, CSV, ZIP\n    -   **Max file size**: 1 GB\n    -   **For files larger than 1 GB[^1]:**\n        -   Use ZIP compression to reduce file to less than 1 GB[^1]\n        -   Split the file into multiple smaller files\n        -   Use File Sharing Links.\n    -   **Max no. characters per file name:** 200\n    -   **Max no. files per upload**: 25, for uploads larger than 25 total files:\n        1.  Upload first 25.\n        2.  Select the **Save Draft** option in Available Next Actions then click",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\TR\\topics\\t_agency_TR_sendingBack.md",
      "relative_path": "maps\\SES\\chapter\\TR\\topics\\t_agency_TR_sendingBack.md",
      "headings": [
        "Sending Transaction Requests Back to the Company After Review {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fe8 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/TR/topics/t_agency_TR_sendingBack.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/TR/topics/t_agency_TR_sendingBack.md:chunk-1",
      "title": "Sending Transaction Requests Back to the Company After Review {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fe8 .task}",
      "content": ":** 200\n    -   **Max no. files per upload**: 25, for uploads larger than 25 total files:\n        1.  Upload first 25.\n        2.  Select the **Save Draft** option in Available Next Actions then click the **Save Draft** button.\n\n            **Note:** You may need to refresh the screen to see that the files have uploaded to the system.\n\n        3.  Return to the response screen to upload the next 25 files and repeat.\n    -   **Total no. files**: unlimited\n8.  Select company response notification preferences.\n\n9.  Click **Send Back to Company**.\n\n    \n\n**Parent topic:**Transaction Requests for Agencies\n\n[^1]: For documents uploaded to the Interactions tab, the maximum file size is 25 MB.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\TR\\topics\\t_agency_TR_sendingBack.md",
      "relative_path": "maps\\SES\\chapter\\TR\\topics\\t_agency_TR_sendingBack.md",
      "headings": [
        "Sending Transaction Requests Back to the Company After Review {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fe8 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/TR/topics/t_agency_TR_sendingBack.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/TR/topics/t_agency_TR_sendingToCompany.md:chunk-0",
      "title": "Sending Transaction Requests to the Company {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fea .task}",
      "content": "# Sending Transaction Requests to the Company \n\nThis task explains how agency users can send finalized transaction requests \\(TRs\\) to the company within a supervisory activity \\(SA\\) in SES. Sending TRs transitions them from draft to active status, notifies the company, and makes the requests visible for response.\n\nAdd TRs to your supervisory activity \\(SA\\).\n\nThe EIC on an SA or a staff user from the lead agency in a multi-state examination can send TRs to the company to begin the document submission and response process. Sending TRs triggers system notifications to the company’s users, who can then view and respond to the requests.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Transaction Requests** > **Send Transaction Requests**.\n\n3.  Assign **Response Due Dates**.\n\n    -   Select a **Bulk Due Date** to assign all TRs the same due date.\n    -   Enter **Response Due Dates** for each individual TR in the list.\n4.  Click the **Click Here to Validate** button.\n\n5.  Add a file sharing link, if applicable.\n\n6.  Enter comments to company \\(if applicable\\), upload necessary documents, and select whether you would like to be notified when the company responds to the TRs.\n\n7.  Click **Send Transaction Requests**.\n\n**Parent topic:**Transaction Requests for Agencies",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\TR\\topics\\t_agency_TR_sendingToCompany.md",
      "relative_path": "maps\\SES\\chapter\\TR\\topics\\t_agency_TR_sendingToCompany.md",
      "headings": [
        "Sending Transaction Requests to the Company {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fea .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/TR/topics/t_agency_TR_sendingToCompany.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/TR/topics/t_agency_TR_updating.md:chunk-0",
      "title": "Updating, Deleting, or Canceling Transaction Requests {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fec .task}",
      "content": "# Updating, Deleting, or Canceling Transaction Requests \n\nThis task explains how agency users can update, delete, or cancel transaction requests \\(TRs\\) in SES, depending on each TR’s current status. Users can revise draft TRs, remove unsubmitted requests, or cancel active requests that are no longer needed.\n\nActive agency participants on a a supervisory activity \\(SA\\) can update, delete, or cancel transaction requests.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Transaction Requests** > **Transaction Request Details**.\n\n3.  Select **Actions** for the desired transaction request.\n\n    \n\n4.  Select the desired action.\n\n    -   **Update Transaction Request**\n    -   **Delete Transaction Request**\n    -   **Update Due Date**\n    -   **Cancel Transaction Request**\n\n**Parent topic:**Transaction Requests for Agencies",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\TR\\topics\\t_agency_TR_updating.md",
      "relative_path": "maps\\SES\\chapter\\TR\\topics\\t_agency_TR_updating.md",
      "headings": [
        "Updating, Deleting, or Canceling Transaction Requests {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fec .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/TR/topics/t_agency_TR_updating.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/TR/topics/t_company_TR_adding.md:chunk-0",
      "title": "Adding Responses to Transaction Requests {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fe3 .task}",
      "content": "# Adding Responses to Transaction Requests \n\nThis task explains how company users can add responses to transaction requests \\(TRs\\) in SES as part of a supervisory activity \\(SA\\). Users can upload documents, enter comments, and provide required transaction-level information in response to requests submitted by the agency.\n\nWhen a state agency initiates an SA for a money services business company in SES, company participants on the SA may receive transaction requests \\(TRs\\) asking for documentation or information related to specific transactions. Users must add responses to the transaction requests before they can send those responses to the agency.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Transaction Requests**.\n\n3.  Click the **Not Started** icon.\n\n    \n\n4.  Select **Actions** for the desired transaction request.\n\n    \n\n5.  Select **Respond to Transaction Request**.\n\n6.  Complete the form.\n\n    **Note:** You can assign the transaction request to another participant here.\n\n7.  Upload any necessary documents.\n\n    **Note:** See Uploading Documents for details on uploading documents.\n\n8.  Click **Save As Ready to Send**.\n\n    The status changes to “Complete” on the Transaction Request Summary grid.\n\n**Parent topic:**Transaction Requests for Companies",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\TR\\topics\\t_company_TR_adding.md",
      "relative_path": "maps\\SES\\chapter\\TR\\topics\\t_company_TR_adding.md",
      "headings": [
        "Adding Responses to Transaction Requests {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fe3 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/TR/topics/t_company_TR_adding.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/TR/topics/t_company_TR_assigningSingle.md:chunk-0",
      "title": "Assigning an Individual Transaction Request Response {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fe5 .task}",
      "content": "# Assigning an Individual Transaction Request Response \n\nThis task explains how company users can assign individual transaction request \\(TR\\) responses to another participant on a supervisory activity in SES.\n\nThe company lead and supervisory activity \\(SA\\) contact can assign transaction request responses to other participants on an SA.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Transaction Requests** > **Transaction Request Details**.\n\n3.  Select **Actions** for the desired transaction request.\n\n    \n\n4.  Select **Assign Transaction Request**.\n\n5.  Select the desired **Assignee**.\n\n6.  Click **Assign Transaction Request**.\n\n**Parent topic:**Transaction Requests for Companies",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\TR\\topics\\t_company_TR_assigningSingle.md",
      "relative_path": "maps\\SES\\chapter\\TR\\topics\\t_company_TR_assigningSingle.md",
      "headings": [
        "Assigning an Individual Transaction Request Response {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fe5 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/TR/topics/t_company_TR_assigningSingle.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/TR/topics/t_company_TR_bulkAssigning.md:chunk-0",
      "title": "Bulk Assigning Transaction Request Responses {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fe4 .task}",
      "content": "# Bulk Assigning Transaction Request Responses \n\nThis task explains how company users can bulk assign multiple transaction requests \\(TRs\\) to a participant on a supervisory activity \\(SA\\) in SES.\n\nThe company lead or active coordinator for a supervisory activity \\(SA\\) ican bulk assign TRs to other participants on an SA. During an examination in SES, company users may need to assign a large number of TRs to other participants. The bulk assignment feature simplifies this process by enabling users to select multiple TRs and assign them to an individual. This is especially useful for large-scale reviews or when distributing work based on participants' specialization or availability.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Transaction Requests** > **Bulk Assign Transaction Requests**.\n\n3.  Select the desired **Assignee**.\n\n4.  Select the desired **Transaction Requests** to assign.\n\n5.  Assign the transaction requests.\n\n    -   Select **Assign Transaction Requests and Assign More**.\n\n        **Note:** Repeat the process above to bulk assign transaction requests to another participant.\n\n    -   Select **Assign Transaction Requests**.\n\n**Parent topic:**Transaction Requests for Companies",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\TR\\topics\\t_company_TR_bulkAssigning.md",
      "relative_path": "maps\\SES\\chapter\\TR\\topics\\t_company_TR_bulkAssigning.md",
      "headings": [
        "Bulk Assigning Transaction Request Responses {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fe4 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/TR/topics/t_company_TR_bulkAssigning.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/TR/topics/t_company_TR_sendingToAgency.md:chunk-0",
      "title": "Sending Transaction Request Responses to the Agency {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fda .task}",
      "content": "# Sending Transaction Request Responses to the Agency \n\nThis task explains how company users can send completed transaction request \\(TR\\) responses to the agency through SES. After uploading documents and entering required information, users must submit the TRs to make them available for agency review.\n\nAdd TR responses to your supervisory activity \\(SA\\).\n\nAfter adding responses to TRs in SES, the company lead on an SA must formally send the responses to the agency to initiate the review process. This action marks the TRs as sent to the agency and prevents further editing unless the agency returns them for clarification.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Transaction Requests** > **Send Responses**.\n\n3.  Select the TRs you want to send to the agency.\n\n4.  Click **Send Responses**.\n\n**Parent topic:**Transaction Requests for Companies",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\TR\\topics\\t_company_TR_sendingToAgency.md",
      "relative_path": "maps\\SES\\chapter\\TR\\topics\\t_company_TR_sendingToAgency.md",
      "headings": [
        "Sending Transaction Request Responses to the Agency {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fda .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/TR/topics/t_company_TR_sendingToAgency.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/agentLocation/topics/c_agency_agentLocationRequests.md:chunk-0",
      "title": "Agent Location Requests {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7faf .concept}",
      "content": "# Agent Location Requests \n\nLearn how to use the agent location requests functionality in SES as part of an MSB examination.\n\nThe Agent Location Requests feature enables state agencies to obtain and review detailed information about an MSB licensee’s authorized agent locations as part of an examination. Agencies can use this functionality to create and manage requests for information about the agents through which a company conducts money transmission or related financial services.\n\nThe following topics provide instructions on the different functionalities available through this feature:\n\n-   Adding a Single Agent Location Requests\n-   Uploading Agent Location Requests\n-   Updating Agent Location Requests\n-   Deleting Agent Location Requests\n-   Sending Agent Location Requests to the Company\n-   Canceling Agent Location Requests Sent to the Company\n-   Reviewing Agent Location Requests\n-   Managing Finding Associations for Agent Location Requests\n-   Sending Back Agent Location Requests\n\n-   **Adding a Single Agent Location Requests**  \nLearn how to add an agent location request to an SA in SES as part of an MSB examination.\n-   **Uploading Agent Location Requests**  \nLearn how to add agent location requests in bulk to an SA in SES as part of an MSB examination.\n-   **Updating Agent Location Requests**  \nLearn how to update the details of an agent location request on an SA in SES as part of an MSB examination.\n-   **Deleting Agent Location Requests**  \nLearn how to delete an agent location request on an SA in SES as part of an MSB examination.\n-   **Sending Agent Location Requests to the Company**  \nLearn how to send agent location requests on an SA in SES as part of an MSB examination.\n-   **Updating the Due Date for an Agent Location Request**  \nLearn how to update the due date of an agent location request on an SA in SES as part of an MSB examination.\n-   **Canceling Agent Location Requests Sent to the Company**  \nLearn how to cancel an agent location request on ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\agentLocation\\topics\\c_agency_agentLocationRequests.md",
      "relative_path": "maps\\SES\\chapter\\agentLocation\\topics\\c_agency_agentLocationRequests.md",
      "headings": [
        "Agent Location Requests {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7faf .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/agentLocation/topics/c_agency_agentLocationRequests.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/agentLocation/topics/c_agency_agentLocationRequests.md:chunk-1",
      "title": "Agent Location Requests {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7faf .concept}",
      "content": "e due date of an agent location request on an SA in SES as part of an MSB examination.\n-   **Canceling Agent Location Requests Sent to the Company**  \nLearn how to cancel an agent location request on an SA in SES as part of an MSB examination.\n-   **Reviewing Agent Location Requests**  \nLearn how to review agent location requests that have been responded to by the company on an SA in SES as part of an MSB examination.\n-   **Managing Finding Associations for Agent Location Requests**  \nLearn how to manage findings associated with agent location requests in SES.\n-   **Sending Back Agent Location Requests**  \nLearn how to send back agent location requests that have been responded to by the company on an SA in SES as part of an MSB examination.\n\n**Parent topic:**Conducting a Supervisory Activity\n\n**Previous topic:**Sending Transaction Requests Back to the Company After Review\n\n**Next topic:**Adding a Single Agent Location Requests",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\agentLocation\\topics\\c_agency_agentLocationRequests.md",
      "relative_path": "maps\\SES\\chapter\\agentLocation\\topics\\c_agency_agentLocationRequests.md",
      "headings": [
        "Agent Location Requests {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7faf .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/agentLocation/topics/c_agency_agentLocationRequests.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/agentLocation/topics/c_company_agentLocationRequests.md:chunk-0",
      "title": "Responding to Agent Location Requests {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7fab .concept}",
      "content": "# Responding to Agent Location Requests \n\nExplains how companies review and respond to agent location requests submitted by state agencies in SES, including providing or confirming agent location details, uploading supporting documentation, and submitting responses for review.\n\nWhen a state agency issues an **Agent Location Request** in SES, the company must provide details about one or more authorized agent locations associated with its money services business license. These requests allow regulators to verify that the company’s agent network is accurately reported and operating in compliance with applicable requirements.\n\nCompanies can use this feature to:\n\n-   Assign agent location requests to participants on an SA.\n-   Validate contact information.\n-   Provide response information.\n-   Upload any supporting documentation requested by the agency.\n-   Submit responses to the agency for review and follow-up.\n\nAfter submission, the agency reviews the company’s responses and may associate the agent location requests with examination findings. Timely and accurate responses help ensure compliance and streamline the examination process.\n\nSee Sending Agent Location Request Responses to the Agency for more information.\n\n-   **Sending Agent Location Request Responses to the Agency**  \nLearn how to review and send responses to agent location requests sent by an agency as part of an MSB examination in SES.\n\n**Parent topic:**SES Examinations and Investigations Resources for Companies",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\agentLocation\\topics\\c_company_agentLocationRequests.md",
      "relative_path": "maps\\SES\\chapter\\agentLocation\\topics\\c_company_agentLocationRequests.md",
      "headings": [
        "Responding to Agent Location Requests {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7fab .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/agentLocation/topics/c_company_agentLocationRequests.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/agentLocation/topics/t_agency_agentLocationRequest_updateDueDate.md:chunk-0",
      "title": "Updating the Due Date for an Agent Location Request {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7fb4 .task}",
      "content": "# Updating the Due Date for an Agent Location Request \n\nLearn how to update the due date of an agent location request on an SA in SES as part of an MSB examination.\n\nUpdate the due date of an agent location request after sending it to the company.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Agent Location Requests**.\n\n3.  Click the **Sent to Company** icon on the Agent Location Request Summary.\n\n4.  In the Agent Location Request Details table, under the Actions column, select **⋮** for the desired agent location request to show the list of available actions.\n\n5.  Select **Update Due Date**.\n\n6.  Edit the Response Due Date.\n\n7.  Click the **Update Due Date** button.\n\n**Parent topic:**Agent Location Requests",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\agentLocation\\topics\\t_agency_agentLocationRequest_updateDueDate.md",
      "relative_path": "maps\\SES\\chapter\\agentLocation\\topics\\t_agency_agentLocationRequest_updateDueDate.md",
      "headings": [
        "Updating the Due Date for an Agent Location Request {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7fb4 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/agentLocation/topics/t_agency_agentLocationRequest_updateDueDate.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/agentLocation/topics/t_agency_agentLocationRequests_adding.md:chunk-0",
      "title": "Adding a Single Agent Location Requests {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7fae .task}",
      "content": "# Adding a Single Agent Location Requests \n\nLearn how to add an agent location request to an SA in SES as part of an MSB examination.\n\nAdd an agency location request to your SA before sending it to the company.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Agent Location Requests**.\n\n3.  Click the **Add Agent Location Request** button.\n\n4.  Complete the required fields.\n\n5.  Click the **Add Agent Location Request** button.\n\nSending Agent Location Requests to the Company\n\n**Parent topic:**Agent Location Requests",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\agentLocation\\topics\\t_agency_agentLocationRequests_adding.md",
      "relative_path": "maps\\SES\\chapter\\agentLocation\\topics\\t_agency_agentLocationRequests_adding.md",
      "headings": [
        "Adding a Single Agent Location Requests {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7fae .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/agentLocation/topics/t_agency_agentLocationRequests_adding.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/agentLocation/topics/t_agency_agentLocationRequests_canceling.md:chunk-0",
      "title": "Canceling Agent Location Requests Sent to the Company {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7fb9 .task}",
      "content": "# Canceling Agent Location Requests Sent to the Company \n\nLearn how to cancel an agent location request on an SA in SES as part of an MSB examination.\n\nCancel an agent location request after sending it to the company.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Agent Location Requests**.\n\n3.  Click the **Sent to Company** icon on the Agent Location Request Summary.\n\n4.  In the Agent Location Request Details table, under the Actions column, select **⋮** for the desired agent location request to show the list of available actions.\n\n5.  Select **Cancel Agent Location Request** and confirm.\n\n**Parent topic:**Agent Location Requests",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\agentLocation\\topics\\t_agency_agentLocationRequests_canceling.md",
      "relative_path": "maps\\SES\\chapter\\agentLocation\\topics\\t_agency_agentLocationRequests_canceling.md",
      "headings": [
        "Canceling Agent Location Requests Sent to the Company {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7fb9 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/agentLocation/topics/t_agency_agentLocationRequests_canceling.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/agentLocation/topics/t_agency_agentLocationRequests_deleting.md:chunk-0",
      "title": "Deleting Agent Location Requests {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7fbb .task}",
      "content": "# Deleting Agent Location Requests \n\nLearn how to delete an agent location request on an SA in SES as part of an MSB examination.\n\nDelete an agent location request before sending it to the company.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Agent Location Requests**.\n\n3.  Click the **Ready to Send** icon on the Agent Location Request Summary.\n\n4.  In the Agent Location Request Details table, under the Actions column, select **⋮** for the desired agent location request to show the list of available actions.\n\n5.  Select **Delete Agent Location Request** and confirm the deletion.\n\n**Parent topic:**Agent Location Requests",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\agentLocation\\topics\\t_agency_agentLocationRequests_deleting.md",
      "relative_path": "maps\\SES\\chapter\\agentLocation\\topics\\t_agency_agentLocationRequests_deleting.md",
      "headings": [
        "Deleting Agent Location Requests {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7fbb .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/agentLocation/topics/t_agency_agentLocationRequests_deleting.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/agentLocation/topics/t_agency_agentLocationRequests_manageFindingAssociation.md:chunk-0",
      "title": "Managing Finding Associations for Agent Location Requests {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7fb7 .task}",
      "content": "# Managing Finding Associations for Agent Location Requests \n\nLearn how to manage findings associated with agent location requests in SES.\n\nDuring an examination, active participants on a supervisory activity \\(SA\\) can associate findings directly with individual agent location requests, ensuring that issues are clearly documented and linked to the supporting evidence.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Agent Location Requests**.\n\n3.  Click the **Response Received** icon on the Agent Location Request Summary.\n\n4.  In the Agent Location Request Details table, under the Actions column, select **⋮** for the desired agent location request to show the list of available actions.\n\n5.  Select **Manage Finding Association**.\n\n6.  Search for the relevant findings.\n\n7.  Select the desired findings from the grid.\n\n8.  Click **Confirm Associations**.\n\n    \n\n**Parent topic:**Agent Location Requests",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\agentLocation\\topics\\t_agency_agentLocationRequests_manageFindingAssociation.md",
      "relative_path": "maps\\SES\\chapter\\agentLocation\\topics\\t_agency_agentLocationRequests_manageFindingAssociation.md",
      "headings": [
        "Managing Finding Associations for Agent Location Requests {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7fb7 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/agentLocation/topics/t_agency_agentLocationRequests_manageFindingAssociation.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/agentLocation/topics/t_agency_agentLocationRequests_reviewing.md:chunk-0",
      "title": "Reviewing Agent Location Requests {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7fb8 .task}",
      "content": "# Reviewing Agent Location Requests \n\nLearn how to review agent location requests that have been responded to by the company on an SA in SES as part of an MSB examination.\n\nReview agent location requests after the company has responded.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Agent Location Requests**.\n\n3.  Click the **Response Received** icon on the Agent Location Request Summary.\n\n4.  In the Agent Location Request Details table, under the Actions column, select **⋮** for the desired agent location request to show the list of available actions.\n\n5.  Select **Review Agent Location Request**.\n\n6.  Add the necessary work paper notes, indicate if there are any violations associated with the agent location request, and assign the appropriate record retention policy. Add any findings and upload any relevant documents.\n\n7.  Select **Complete Review** in the Next Available Actions section at the bottom of the screen.\n\n8.  Click the **Complete Review** button.\n\n**Parent topic:**Agent Location Requests",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\agentLocation\\topics\\t_agency_agentLocationRequests_reviewing.md",
      "relative_path": "maps\\SES\\chapter\\agentLocation\\topics\\t_agency_agentLocationRequests_reviewing.md",
      "headings": [
        "Reviewing Agent Location Requests {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7fb8 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/agentLocation/topics/t_agency_agentLocationRequests_reviewing.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/agentLocation/topics/t_agency_agentLocationRequests_sendBack.md:chunk-0",
      "title": "Sending Back Agent Location Requests {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7fb6 .task}",
      "content": "# Sending Back Agent Location Requests \n\nLearn how to send back agent location requests that have been responded to by the company on an SA in SES as part of an MSB examination.\n\nSend back agent location requests after the company has responded.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Agent Location Requests**.\n\n3.  Click the **Response Received** icon on the Agent Location Request Summary.\n\n4.  In the Agent Location Request Details table, under the Actions column, select **⋮** for the desired agent location request to show the list of available actions.\n\n5.  Select **Send Back to Company**.\n\n6.  Enter a **Due Date**.\n\n7.  Enter a comment in the **Response** field.\n\n8.  Click the **Send Back to Company** button.\n\n**Parent topic:**Agent Location Requests",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\agentLocation\\topics\\t_agency_agentLocationRequests_sendBack.md",
      "relative_path": "maps\\SES\\chapter\\agentLocation\\topics\\t_agency_agentLocationRequests_sendBack.md",
      "headings": [
        "Sending Back Agent Location Requests {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7fb6 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/agentLocation/topics/t_agency_agentLocationRequests_sendBack.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/agentLocation/topics/t_agency_agentLocationRequests_sending.md:chunk-0",
      "title": "Sending Agent Location Requests to the Company {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7fba .task}",
      "content": "# Sending Agent Location Requests to the Company \n\nLearn how to send agent location requests on an SA in SES as part of an MSB examination.\n\nAdding a Single Agent Location Requests\n\nUploading Agent Location Requests\n\nAfter adding agent location requests to an SA, send them to the company.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Agent Location Requests**.\n\n3.  Click the **Send Agent Location Requests** button.\n\n4.  Enter a **Bulk Due Date**.\n\n    **Note:** All agent location requests are selected by default. **Deselect an agent location request by clicking anywhere on the row.** The bulk due date will be applied to all agent location requests that do not have a due date set. Update an individual due date by clicking on the due date link.\n\n5.  Click **Click here to Validate**.\n\n    \n\n    **Note:** This step validates the due dates entered for the loan requests you selected to send to the company.\n\n6.  Add a response file sharing link, if applicable.\n\n    **Note:** If multiple file sharing links are used throughout the agent location request review process, they are captured on the summary page.\n\n7.  Enter comments to company \\(if applicable\\), upload necessary documents, and select whether you would like to be notified when the company responds to the agent location requests.\n\n8.  Click the **Send Agent Location Requests** button.\n\nThe agent location requests are sent to the company.\n\nReviewing Agent Location Requests\n\n**Parent topic:**Agent Location Requests",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\agentLocation\\topics\\t_agency_agentLocationRequests_sending.md",
      "relative_path": "maps\\SES\\chapter\\agentLocation\\topics\\t_agency_agentLocationRequests_sending.md",
      "headings": [
        "Sending Agent Location Requests to the Company {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7fba .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/agentLocation/topics/t_agency_agentLocationRequests_sending.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/agentLocation/topics/t_agency_agentLocationRequests_uploading.md:chunk-0",
      "title": "Uploading Agent Location Requests {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7fad .task}",
      "content": "# Uploading Agent Location Requests \n\nLearn how to add agent location requests in bulk to an SA in SES as part of an MSB examination.\n\nAdd multiple agency location requests to your SA before sending it to the company by using the agent location request upload feature.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Agent Location Requests**.\n\n3.  Click the **Upload Agent Location Requests** button.\n\n4.  Click **Download Template** for the latest version of the agent location request file.\n\n5.  Complete the template and save it to your computer.\n\n6.  Click **Upload** to upload the populated template.\n\n7.  Click **Upload Agent Location Requests**.\n\n    If there are any errors, the Upload Issues Found screen displays.\n\n    Select **⋮** for the desired agent location request to update or remove any agent location requests with errors.\n\n8.  Click the **Add Agent Location Requests** button.\n\nSending Agent Location Requests to the Company\n\n**Parent topic:**Agent Location Requests",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\agentLocation\\topics\\t_agency_agentLocationRequests_uploading.md",
      "relative_path": "maps\\SES\\chapter\\agentLocation\\topics\\t_agency_agentLocationRequests_uploading.md",
      "headings": [
        "Uploading Agent Location Requests {#xd_68d4665cdf0e9b4b--46219b90-199247ca369--7fad .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/agentLocation/topics/t_agency_agentLocationRequests_uploading.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/agentLocation/topics/t_company_agentLocationRequest_sendResponse.md:chunk-0",
      "title": "Sending Agent Location Request Responses to the Agency {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7fb2 .task}",
      "content": "# Sending Agent Location Request Responses to the Agency \n\nLearn how to review and send responses to agent location requests sent by an agency as part of an MSB examination in SES.\n\nReview, assign, and send agent location request responses to the agency.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Agent Location Requests**.\n\n3.  Click the **Not Started** icon on the Agent Location Request Summary.\n\n4.  In the Agent Location Request Details table, under the Actions column, select **⋮** for the desired agent location request to show the list of available actions.\n\n5.  Select **Respond to Agent Location Request**.\n\n6.  Review the agent location request information provided by the agency.\n\n7.  Validate the contact information by answering **Yes** or **No**.\n\n8.  Provide a **Response**.\n\n9.  Assign the agent location request to another participant on the SA with an assigned internal due date, provide a file sharing link, upload any relevant documents, add any internal comments, and choose whether to restrict the view of details.\n\n10. Select the appropriate **Next Available Action**.\n\n    -   **Save In Progress** to come back and work on the agent location request yourself.\n    -   **Save as Ready to Send** to add the agent location request response to a queue and send to the agency later.\n    -   **Send to agency now**\n    **Note:** If you select **Save as Ready to Send**, you must return to the Agent Location Requests screen and click the **Send Responses** button to select the responses you want to send to the agency.\n\n**Parent topic:**Responding to Agent Location Requests",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\agentLocation\\topics\\t_company_agentLocationRequest_sendResponse.md",
      "relative_path": "maps\\SES\\chapter\\agentLocation\\topics\\t_company_agentLocationRequest_sendResponse.md",
      "headings": [
        "Sending Agent Location Request Responses to the Agency {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7fb2 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/agentLocation/topics/t_company_agentLocationRequest_sendResponse.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_Glossary/g_accept.md:chunk-0",
      "title": "Accepting an exam {#glossentry_accept .glossentry}",
      "content": "# Accepting an exam \n\nUsed by an agency after conducting an internal assessment and determining that it can fully accept another agency's completed examination outright, without further review of the licensee and in lieu of conducting its own examination.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_accept.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_accept.md",
      "headings": [
        "Accepting an exam {#glossentry_accept .glossentry}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Glossary/g_accept.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_Glossary/g_active.md:chunk-0",
      "title": "Active {#glossentry_active .glossentry}",
      "content": "# Active \n\nStatus of an open supervisory activity.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_active.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_active.md",
      "headings": [
        "Active {#glossentry_active .glossentry}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Glossary/g_active.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_Glossary/g_afr.md:chunk-0",
      "title": "Area for Review {#glossentry_afr .glossentry}",
      "content": "# Area for Review \n\nA topic of regulatory review that can be used to define the scope of an examination or investigation. It assists in categorizing the Information Requests and Procedures in an examination. Areas for review are managed in the SES Library. See Managing the Library for more information.\n\nArea for Review \\(AFR\\)\n\n## AFR { .glossAlt}",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_afr.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_afr.md",
      "headings": [
        "Area for Review {#glossentry_afr .glossentry}",
        "AFR { .glossAlt}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Glossary/g_afr.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_Glossary/g_agency.md:chunk-0",
      "title": "Agency {#glossentry_agency .glossentry}",
      "content": "# Agency \n\nState agency that supervises the activities of the financial services industry under its regulatory authority.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_agency.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_agency.md",
      "headings": [
        "Agency {#glossentry_agency .glossentry}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Glossary/g_agency.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_Glossary/g_agency_library_item.md:chunk-0",
      "title": "Agency-Specific Library Items {#g_agency_library_item .glossentry}",
      "content": "# Agency-Specific Library Items \n\nAgencies can manage their own state-specific IRs, procedures, and references. These state-specific items should be unique or different from a standard library item, whereby the agency cannot rely solely on the standard.\n\nagency library items",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_agency_library_item.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_agency_library_item.md",
      "headings": [
        "Agency-Specific Library Items {#g_agency_library_item .glossentry}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Glossary/g_agency_library_item.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_Glossary/g_allegedViolation.md:chunk-0",
      "title": "Alleged Violation {#xd_880651c89ae23cf9--57b58253-18350ee9da1--7fe3 .glossentry}",
      "content": "# Alleged Violation \n\nThis type of potential finding is used only in the SES Consumer Complaints area of the system. An alleged violation is a potential finding against the company identified by the state agency during the handling of a complaint about the company in SES Consumer Complaints. Alleged violations are identified by the state agency during the agency’s research and assessment of facts and circumstances surrounding the consumer complaint, and communication with the company about the complaint.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_allegedViolation.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_allegedViolation.md",
      "headings": [
        "Alleged Violation {#xd_880651c89ae23cf9--57b58253-18350ee9da1--7fe3 .glossentry}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Glossary/g_allegedViolation.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_Glossary/g_asset_review_date.md:chunk-0",
      "title": "Asset Review Date {#glossentry_ard .glossentry}",
      "content": "# Asset Review Date \n\nThe as-of date for certain asset portfolio data requested. This date is an optional field in the system and may not apply to certain business types.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_asset_review_date.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_asset_review_date.md",
      "headings": [
        "Asset Review Date {#glossentry_ard .glossentry}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Glossary/g_asset_review_date.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_Glossary/g_attachment_file.md:chunk-0",
      "title": "Attachment File {#glossentry_af .glossentry}",
      "content": "# Attachment File \n\nFiles that are uploaded to the System by SES users during the course of a supervisory activity.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_attachment_file.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_attachment_file.md",
      "headings": [
        "Attachment File {#glossentry_af .glossentry}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Glossary/g_attachment_file.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_Glossary/g_ba.md:chunk-0",
      "title": "Business Activity {#glossentry_ba .glossentry}",
      "content": "# Business Activity \n\nAny activity a business engages in for the primary purpose of making a profit. This is a general term that encompasses all the economic activities carried out by a company during the course of business.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_ba.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_ba.md",
      "headings": [
        "Business Activity {#glossentry_ba .glossentry}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Glossary/g_ba.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_Glossary/g_bt.md:chunk-0",
      "title": "Business Type {#glossentry_bt .glossentry}",
      "content": "# Business Type \n\nThe product or service offered by the financial institution to consumers.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_bt.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_bt.md",
      "headings": [
        "Business Type {#glossentry_bt .glossentry}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Glossary/g_bt.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_Glossary/g_close_out.md:chunk-0",
      "title": "Close Out {#glossentry_close_out .glossentry}",
      "content": "# Close Out \n\nPart of a Milestone. It occurs when the company responds to the report of examination and the EIC fills out the close out form.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_close_out.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_close_out.md",
      "headings": [
        "Close Out {#glossentry_close_out .glossentry}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Glossary/g_close_out.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_Glossary/g_closed.md:chunk-0",
      "title": "Closed {#glossentry_closed .glossentry}",
      "content": "# Closed \n\nPart of a Milestone. It occurs when the examination of a company concludes. No actions can be taken on the supervisory activity once it is closed. However, the company can still respond to the MRAs.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_closed.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_closed.md",
      "headings": [
        "Closed {#glossentry_closed .glossentry}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Glossary/g_closed.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_Glossary/g_company_ses_id.md:chunk-0",
      "title": "Company SES ID {#glossentry_company_ses_id .glossentry}",
      "content": "# Company SES ID \n\nUnique identifier for a company in SES.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_company_ses_id.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_company_ses_id.md",
      "headings": [
        "Company SES ID {#glossentry_company_ses_id .glossentry}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Glossary/g_company_ses_id.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_Glossary/g_complaint_def.md:chunk-0",
      "title": "Complaint {#glossentry_complaint .glossentry}",
      "content": "# Complaint \n\nA submission from a consumer that express dissatisfaction with, or communicate suspicion of wrongful conduct by, an identifiable entity related to a consumer’s personal experience with a financial product or service.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_complaint_def.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_complaint_def.md",
      "headings": [
        "Complaint {#glossentry_complaint .glossentry}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Glossary/g_complaint_def.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_Glossary/g_component_rating.md:chunk-0",
      "title": "Component Rating {#glossentry_component_rating .glossentry}",
      "content": "# Component Rating \n\nFindings include any conclusion, observation, or record generated during the course of an examination that an examiner determines is noteworthy and of importance to the examination. This includes exceptions \\(adverse findings\\).",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_component_rating.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_component_rating.md",
      "headings": [
        "Component Rating {#glossentry_component_rating .glossentry}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Glossary/g_component_rating.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_Glossary/g_core.md:chunk-0",
      "title": "Core {#g_core .glossentry}",
      "content": "# Core \n\nCore and non-core labels are attributes associated with information requests and procedures that control whether these items will be automatically retrieved from the library and inserted directly into an exam record given the exam’s business activities and scope selections.\n\nThe core designation can be applied to both standard and agency-specific procedures and information requests.\n\n-   CSBS staff, with guidance from the appropriate governing bodies, manage the scope types for the standard IRs and procedures.\n-   Agencies manage the scope types for their own state-specific library items.\n\nCore Information Requests are automatically pulled on to an exam or investigation once scope is marked complete. Core procedures are automatically pulled on to an exam or investigation once the supervisory activity is moved to the “In-Flight” milestone. Attributes the system uses to make this determination:\n\n-   Scope Type\n-   Business Activities\n-   AFR\n\ncore",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_core.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_core.md",
      "headings": [
        "Core {#g_core .glossentry}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Glossary/g_core.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_Glossary/g_cust_info_r.md:chunk-0",
      "title": "Custom Information Request {#glossentry_cust_info_r .glossentry}",
      "content": "# Custom Information Request \n\nCustom information requests that reside in a specific agency’s Library to use during an examination.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_cust_info_r.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_cust_info_r.md",
      "headings": [
        "Custom Information Request {#glossentry_cust_info_r .glossentry}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Glossary/g_cust_info_r.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_Glossary/g_drafting.md:chunk-0",
      "title": "Drafting {#glossentry_drafting .glossentry}",
      "content": "# Drafting \n\nPart of a Milestone. The report of examination is drafted, reviewed, and the report package is assembled.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_drafting.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_drafting.md",
      "headings": [
        "Drafting {#glossentry_drafting .glossentry}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Glossary/g_drafting.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_Glossary/g_eic.md:chunk-0",
      "title": "Examiner in Charge {#glossentry_eic .glossentry}",
      "content": "# Examiner in Charge \n\nAn agency user role in the System, responsible for scoping examinations, assigning examination tasks, and generating and finalizing a report of examination. May also conduct examination tasks and document findings.\n\nExaminer in Charge \\(EIC\\)\n\n## EIC { .glossAlt}",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_eic.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_eic.md",
      "headings": [
        "Examiner in Charge {#glossentry_eic .glossentry}",
        "EIC { .glossAlt}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Glossary/g_eic.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_Glossary/g_entity.md:chunk-0",
      "title": "Entity {#glossentry_entity .glossentry}",
      "content": "# Entity \n\nA natural person, organization, agency, or business that has a legal and separate identifiable existence.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_entity.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_entity.md",
      "headings": [
        "Entity {#glossentry_entity .glossentry}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Glossary/g_entity.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_Glossary/g_exam.md:chunk-0",
      "title": "Examination {#glossentry_exam .glossentry}",
      "content": "# Examination \n\nA supervisory activity conducted by a regulatory agency that reviews an institution's compliance with laws, regulations, and safety and soundness standards.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_exam.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_exam.md",
      "headings": [
        "Examination {#glossentry_exam .glossentry}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Glossary/g_exam.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_Glossary/g_exam_period.md:chunk-0",
      "title": "Examination Period {#glossentry_exam_period .glossentry}",
      "content": "# Examination Period \n\nBegin and end dates indicating the time span of an examination.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_exam_period.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_exam_period.md",
      "headings": [
        "Examination Period {#glossentry_exam_period .glossentry}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Glossary/g_exam_period.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_Glossary/g_exam_scope.md:chunk-0",
      "title": "Scope {#glossentry_exam_scope .glossentry}",
      "content": "# Scope \n\nThe review components/procedures and time frame a regulatory agency determines will be included in an examination. Below is a list of the different scope types and scope type definitions that are available in SES:\n\nAccepted Scope\n:   When an agency chooses to count another agency's SA as their own with minimal to no additional work. The agency may choose to send clarification questions to the company following review of the other agency’s SA depending on the information the agency has on file for the institution.\n\nDesk Review Scope\n:   Short review of a company with minimal to no loan volume and new licensees. Requires very few to no information requests – agency relies on what it has on file or what is in NMLS.\n\nFollow Up Scope\n:   Includes, but is not limited to the review of items needed to determine if the company remediated issues prior to examination findings.\n\nFull Scope\n:   Includes, but is not limited to the review of standard core information requests, state-specific information requests, or loans \\(i.e., transactional review\\).\n\nInitial Compliance Review Scope\n:   Includes, but is not limited to the review of: new companies \\(e.g., with six, 12, or 24 months of licensure\\). Typically driven by accreditation standards.\n\nLeveraged Scope\n:   When an agency chooses to use parts of another agency's SA but will also send additional material to the company if necessary \\(e.g., Information Requests, Report of Examination, MRAs\\).\n\nLimited Scope\n:   Includes, but is not limited to the review of reduced set of requirements from the standards and state-specific IRs, reduced number of loans, companies with limited licensing volume, companies that are bound to a related entity that is being examined in full, or a specific issue \\(e.g., stemming from a complaint, identifying compliance risk, first touch point with the company, review of a specific AFR\\).\n\nNetworked Scope\n:   Any type of multistate exam where state agencies network with each other to perform o",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_exam_scope.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_exam_scope.md",
      "headings": [
        "Scope {#glossentry_exam_scope .glossentry}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Glossary/g_exam_scope.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_Glossary/g_exam_scope.md:chunk-1",
      "title": "Scope {#glossentry_exam_scope .glossentry}",
      "content": " identifying compliance risk, first touch point with the company, review of a specific AFR\\).\n\nNetworked Scope\n:   Any type of multistate exam where state agencies network with each other to perform one examination of a typically large institution all at the same time. The examination can be conducted under the guidance of a functional committee \\(MMC, MTRA, NACCA SCC\\).",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_exam_scope.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_exam_scope.md",
      "headings": [
        "Scope {#glossentry_exam_scope .glossentry}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Glossary/g_exam_scope.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_Glossary/g_examiner.md:chunk-0",
      "title": "Examiner {#glossentry_examiner .glossentry}",
      "content": "# Examiner \n\nA state regulatory agency representative responsible for conducting review tasks and documenting findings under the supervision of an Examiner in Charge or Examination Lead.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_examiner.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_examiner.md",
      "headings": [
        "Examiner {#glossentry_examiner .glossentry}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Glossary/g_examiner.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_Glossary/g_exceptions.md:chunk-0",
      "title": "Exceptions {#glossentry_exceptions .glossentry}",
      "content": "# Exceptions \n\nAdverse findings discovered during an evaluation of a company not aligning to a specific policy, rule, regulation, or other requirements. These include violations of regulations or deficiencies discovered during management reviews.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_exceptions.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_exceptions.md",
      "headings": [
        "Exceptions {#glossentry_exceptions .glossentry}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Glossary/g_exceptions.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_Glossary/g_exit_meeting.md:chunk-0",
      "title": "Exit Meeting {#glossentry_exit_meeting .glossentry}",
      "content": "# Exit Meeting \n\nAn examiner's meeting with the institution's management or management and board of directors to communicate preliminary supervisory findings and conclusions from an examination.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_exit_meeting.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_exit_meeting.md",
      "headings": [
        "Exit Meeting {#glossentry_exit_meeting .glossentry}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Glossary/g_exit_meeting.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_Glossary/g_faqs.md:chunk-0",
      "title": "Frequently Asked Questions {#glossentry_faqs .glossentry}",
      "content": "# Frequently Asked Questions \n\nFrequently Asked Questions \\(FAQs\\)\n\n## FAQs { .glossAlt}",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_faqs.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_faqs.md",
      "headings": [
        "Frequently Asked Questions {#glossentry_faqs .glossentry}",
        "FAQs { .glossAlt}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Glossary/g_faqs.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_Glossary/g_fin_rev_date.md:chunk-0",
      "title": "Financial Review Date {#glossentry_fin_rev_date .glossentry}",
      "content": "# Financial Review Date \n\nThe as-of date for certain financial data requested. This date is optional and may not apply to certain business types.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_fin_rev_date.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_fin_rev_date.md",
      "headings": [
        "Financial Review Date {#glossentry_fin_rev_date .glossentry}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Glossary/g_fin_rev_date.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_Glossary/g_finding.md:chunk-0",
      "title": "Findings {#glossentry_finding .glossentry}",
      "content": "# Findings \n\nAn issue identified by a state agency user during the supervision of a financial institution in SES. The finding may describe the company’s strengths and/or weaknesses regarding its compliance management system, assess the company’s compliance with consumer protection laws or regulations, or any potential consumer harm. A finding may be either a violation, recommendation or observation.\n\n**Types of Findings**\nViolation.\n:   A type of finding in SES. A violation includes an act or omission by the company that amounts to the transgression of a law, regulation, rule, or administrative code. The agency may require the company to take steps to correct the violation and there will generally be a follow-up from the state agency regarding the plan or steps that the company will take to correct the violation.\n\nRecommendation.\n:   A type of finding in SES. Offers an opportunity for the company to improve compliance or risk management posture with a statute, regulation, rule, company policy/procedure or other regulatory expectation.\n\nObservation.\n:   A type of finding in SES that a company should take into consideration in order to improve their overall risk management posture or compliance with an internal policy or regulatory expectation.\n\nAlleged Violation.\n:   This type of potential finding is used only in the SES Consumer Complaints area of the system. An alleged violation is a potential finding against the company identified by the state agency during the handling of a complaint about the company in SES Consumer Complaints. Alleged violations are identified by the state agency during the agency’s research and assessment of facts and circumstances surrounding the consumer complaint, and communication with the company about the complaint.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_finding.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_finding.md",
      "headings": [
        "Findings {#glossentry_finding .glossentry}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Glossary/g_finding.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_Glossary/g_in_flight.md:chunk-0",
      "title": "In-Flight {#glossentry_in_flight .glossentry}",
      "content": "# In-Flight \n\nPart of a Milestone. The state agency participants complete their review for the areas for review, add findings, add procedures, and add report commentary.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_in_flight.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_in_flight.md",
      "headings": [
        "In-Flight {#glossentry_in_flight .glossentry}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Glossary/g_in_flight.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_Glossary/g_investigation.md:chunk-0",
      "title": "Investigation {#glossentry_investigation .glossentry}",
      "content": "# Investigation \n\nAn ad hoc supervisory activity conducted by a state regulatory agency over a company, prompted by a complaint against the company, an adverse finding during an exam or other matters.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_investigation.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_investigation.md",
      "headings": [
        "Investigation {#glossentry_investigation .glossentry}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Glossary/g_investigation.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_Glossary/g_invoice.md:chunk-0",
      "title": "Invoice {#glossentry_invoice .glossentry}",
      "content": "# Invoice \n\nA bill issued by a regulatory agency for costs associated with their work performed during a regulatory examination.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_invoice.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_invoice.md",
      "headings": [
        "Invoice {#glossentry_invoice .glossentry}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Glossary/g_invoice.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_Glossary/g_ir.md:chunk-0",
      "title": "Information Requests {#glossentry_ir .glossentry}",
      "content": "# Information Requests \n\nEntries used to request information and documentation from a company for the examination. In SES, the IRs are divided into “standard” requests and “state-specific” requests. Information requests are managed in the SES Library. See Managing the Library for more information.\n\nInformation Request \\(IR\\)\n\n## IR { .glossAlt}",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_ir.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_ir.md",
      "headings": [
        "Information Requests {#glossentry_ir .glossentry}",
        "IR { .glossAlt}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Glossary/g_ir.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_Glossary/g_lead_agency.md:chunk-0",
      "title": "Lead Agency {#glossentry_lead_agency .glossentry}",
      "content": "# Lead Agency \n\nIn multi-state examinations, Lead Agency is the agency responsible for overseeing completion of examination tasks related to one or more components.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_lead_agency.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_lead_agency.md",
      "headings": [
        "Lead Agency {#glossentry_lead_agency .glossentry}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Glossary/g_lead_agency.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_Glossary/g_leverage.md:chunk-0",
      "title": "Leveraging an exam {#glossentry_leverage .glossentry}",
      "content": "# Leveraging an exam \n\nAllows a state agency to use another agency's completed examination as a starting point to further conduct its own review of the company.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_leverage.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_leverage.md",
      "headings": [
        "Leveraging an exam {#glossentry_leverage .glossentry}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Glossary/g_leverage.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_Glossary/g_library.md:chunk-0",
      "title": "Library {#glossentry_library .glossentry}",
      "content": "# Library \n\nA collection of the resources used and/or created by a state regulatory agency that reside in the System to conduct their supervisory activities. Library items consist of procedures, information requests, references and areas for review.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_library.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_library.md",
      "headings": [
        "Library {#glossentry_library .glossentry}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Glossary/g_library.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_Glossary/g_milestone.md:chunk-0",
      "title": "Milestone {#glossentry_milestone .glossentry}",
      "content": "# Milestone \n\nStatus indicators for a supervisory activity in SES: Pending, Scheduled, Planning, In-Flight, Drafting, Close Out, Closed.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_milestone.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_milestone.md",
      "headings": [
        "Milestone {#glossentry_milestone .glossentry}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Glossary/g_milestone.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_Glossary/g_mra.md:chunk-0",
      "title": "Matters Requiring Attention {#glossentry_mra .glossentry}",
      "content": "# Matters Requiring Attention \n\nSystem functionality that allows a state agency to communicate and track issues or concerns that the agency expects a company to address at the conclusion of the examination or investigation.\n\nMatters Requiring Attention \\(MRA\\)\n\n## MRA { .glossAlt}",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_mra.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_mra.md",
      "headings": [
        "Matters Requiring Attention {#glossentry_mra .glossentry}",
        "MRA { .glossAlt}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Glossary/g_mra.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_Glossary/g_mse.md:chunk-0",
      "title": "Multi-state Examinations {#glossentry_mse .glossentry}",
      "content": "# Multi-state Examinations \n\nAn examination of an entity involving two or more states.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_mse.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_mse.md",
      "headings": [
        "Multi-state Examinations {#glossentry_mse .glossentry}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Glossary/g_mse.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_Glossary/g_nmls.md:chunk-0",
      "title": "Nationwide Multistate Licensing System & Registry {#glossentry_nmls .glossentry}",
      "content": "# Nationwide Multistate Licensing System & Registry \n\nA holistic system for licensing, registering, and supervising entities in the financial services industries.\n\nNationwide Multistate Licensing System & Registry \\(NMLS\\)\n\n## NMLS { .glossAlt}",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_nmls.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_nmls.md",
      "headings": [
        "Nationwide Multistate Licensing System & Registry {#glossentry_nmls .glossentry}",
        "NMLS { .glossAlt}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Glossary/g_nmls.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_Glossary/g_non_core.md:chunk-0",
      "title": "Non-core {#g_non_core .glossentry}",
      "content": "# Non-core \n\nNon-core Procedures and Non-core Information Requests will not be automatically added to an exam or investigation, but can be easily added if appropriate. Attributes the system uses to determine IRs and procedures available for quick add:\n\n-   Scope Type\n-   Business Activities\n-   AFR\n\nnon-core",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_non_core.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_non_core.md",
      "headings": [
        "Non-core {#g_non_core .glossentry}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Glossary/g_non_core.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_Glossary/g_non_nmls.md:chunk-0",
      "title": "Non-NMLS Entity {#glossentry_non_nmls .glossentry}",
      "content": "# Non-NMLS Entity \n\nA record created for an unknown or unreachable entity that could be operating without a license. Non-NMLS entities are created by agency complaint users with the purpose of enabling tracking of these entities across agencies. Since they are unknown or unreachable, you cannot interact with them using SES, but complaints can be created against these entities to inform other agency users of their reported activity.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_non_nmls.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_non_nmls.md",
      "headings": [
        "Non-NMLS Entity {#glossentry_non_nmls .glossentry}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Glossary/g_non_nmls.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_Glossary/g_observation.md:chunk-0",
      "title": "Observation {#xd_880651c89ae23cf9--57b58253-18350ee9da1--7fe4 .glossentry}",
      "content": "# Observation \n\nA type of finding in SES that a company should take into consideration in order to improve their overall risk management posture or compliance with an internal policy or regulatory expectation.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_observation.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_observation.md",
      "headings": [
        "Observation {#xd_880651c89ae23cf9--57b58253-18350ee9da1--7fe4 .glossentry}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Glossary/g_observation.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_Glossary/g_onscreen_data_field.md:chunk-0",
      "title": "Onscreen Data Field {#glossentry_onscreen_data_field .glossentry}",
      "content": "# Onscreen Data Field \n\nData that is either typed in the System by the user, for example, a comment box that accompanies a file upload function in the System, or data that is generated by the System and displayed to SES users on their screens.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_onscreen_data_field.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_onscreen_data_field.md",
      "headings": [
        "Onscreen Data Field {#glossentry_onscreen_data_field .glossentry}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Glossary/g_onscreen_data_field.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_Glossary/g_pack_assem.md:chunk-0",
      "title": "Package Assembler {#glossentry_pack_assem .glossentry}",
      "content": "# Package Assembler \n\nAn agency user role in the System, in charge of putting together the report of exam \\(ROE\\), all documentation, comments, and invoicing information. The package assembler can be the EIC or any staff user at your agency.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_pack_assem.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_pack_assem.md",
      "headings": [
        "Package Assembler {#glossentry_pack_assem .glossentry}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Glossary/g_pack_assem.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_Glossary/g_participants.md:chunk-0",
      "title": "Participants {#glossentry_participants .glossentry}",
      "content": "# Participants \n\nAny SES user that is assigned a role in the system on a supervisory activity.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_participants.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_participants.md",
      "headings": [
        "Participants {#glossentry_participants .glossentry}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Glossary/g_participants.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_Glossary/g_participating_agency.md:chunk-0",
      "title": "Participating Agency {#glossentry_participating_agency .glossentry}",
      "content": "# Participating Agency \n\nA regulatory agency that is taking part in an examination.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_participating_agency.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_participating_agency.md",
      "headings": [
        "Participating Agency {#glossentry_participating_agency .glossentry}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Glossary/g_participating_agency.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_Glossary/g_pending.md:chunk-0",
      "title": "Pending {#glossentry_pending .glossentry}",
      "content": "# Pending \n\nPart of a Milestone. It occurs when a supervisory activity is initiated and reviewed by a regulatory agency and it is placed on their schedule.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_pending.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_pending.md",
      "headings": [
        "Pending {#glossentry_pending .glossentry}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Glossary/g_pending.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_Glossary/g_planning.md:chunk-0",
      "title": "Planning {#glossentry_planning .glossentry}",
      "content": "# Planning \n\nPart of a Milestone. It occurs when the EIC defines the scope for the supervisory activity.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_planning.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_planning.md",
      "headings": [
        "Planning {#glossentry_planning .glossentry}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Glossary/g_planning.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_Glossary/g_poc.md:chunk-0",
      "title": "Point of Contact {#glossentry_poc .glossentry}",
      "content": "# Point of Contact \n\nPoint of Contact \\(POC\\)\n\n## POC { .glossAlt}",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_poc.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_poc.md",
      "headings": [
        "Point of Contact {#glossentry_poc .glossentry}",
        "POC { .glossAlt}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Glossary/g_poc.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_Glossary/g_procedure.md:chunk-0",
      "title": "Procedures {#glossentry_procedure .glossentry}",
      "content": "# Procedures \n\nEntries used to guide examiners during the examination in the review of company documentation or compliance with statutes, regulations, and other requirements. Procedures are managed in the SES Library. See Managing the Library for more information.\n\nprocedures",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_procedure.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_procedure.md",
      "headings": [
        "Procedures {#glossentry_procedure .glossentry}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Glossary/g_procedure.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_Glossary/g_quickIR.md:chunk-0",
      "title": "QuickIR {#xd_e683677add681213-7a94f831-1819fcdc2c8--7ffd .glossentry}",
      "content": "# QuickIR \n\nQuickIR allows a company to browse through the standard information requests \\(IRs\\) in the State Examination System \\(SES\\) and prepare responses to those IRs in advance of an upcoming examination.\n\nQuickIR\n\n## QuickIR",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_quickIR.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_quickIR.md",
      "headings": [
        "QuickIR {#xd_e683677add681213-7a94f831-1819fcdc2c8--7ffd .glossentry}",
        "QuickIR {#glossAlt_abg_xhs_gtb .glossAlt}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Glossary/g_quickIR.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_Glossary/g_recommendation.md:chunk-0",
      "title": "Recommendation {#xd_880651c89ae23cf9--57b58253-18350ee9da1--7fe5 .glossentry}",
      "content": "# Recommendation \n\nA type of finding in SES. Offers an opportunity for the company to improve compliance or risk management posture with a statute, regulation, rule, company policy/procedure or other regulatory expectation.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_recommendation.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_recommendation.md",
      "headings": [
        "Recommendation {#xd_880651c89ae23cf9--57b58253-18350ee9da1--7fe5 .glossentry}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Glossary/g_recommendation.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_Glossary/g_reference.md:chunk-0",
      "title": "References {#glossentry_reference .glossentry}",
      "content": "# References \n\nWorkpapers, templates, websites, and/or any other supplemental reference material that an agency may choose to use used to support the supervision process, and to better navigate SES. References are managed in the SES Library. See Managing the Library for more information.\n\nreferences",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_reference.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_reference.md",
      "headings": [
        "References {#glossentry_reference .glossentry}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Glossary/g_reference.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_Glossary/g_rep_commentary.md:chunk-0",
      "title": "Report Commentary {#glossentry_rep_commentary .glossentry}",
      "content": "# Report Commentary \n\nFeedback provided by the state regulatory agency participants on a supervisory activity to help put together the report of examination.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_rep_commentary.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_rep_commentary.md",
      "headings": [
        "Report Commentary {#glossentry_rep_commentary .glossentry}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Glossary/g_rep_commentary.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_Glossary/g_roe.md:chunk-0",
      "title": "Report of Examination {#glossentry_roe .glossentry}",
      "content": "# Report of Examination \n\nA formal document provided to the examinee after the examination has been completed and the examiner reaches a determination regarding its evaluation of the company. It provides a summary of the findings and may include instructions for corrective actions that must be taken by the examinee.\n\nReport of Examination \\(ROE\\)\n\n## ROE { .glossAlt}",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_roe.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_roe.md",
      "headings": [
        "Report of Examination {#glossentry_roe .glossentry}",
        "ROE { .glossAlt}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Glossary/g_roe.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_Glossary/g_rug.md:chunk-0",
      "title": "Regulatory User Group {#glossentry_rug .glossentry}",
      "content": "# Regulatory User Group \n\nRegulatory User Group \\(RUG\\)\n\n## RUG { .glossAlt}",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_rug.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_rug.md",
      "headings": [
        "Regulatory User Group {#glossentry_rug .glossentry}",
        "RUG { .glossAlt}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Glossary/g_rug.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_Glossary/g_scheduled.md:chunk-0",
      "title": "Scheduled {#glossentry_scheduled .glossentry}",
      "content": "# Scheduled \n\nPart of a Milestone. It occurs when the EIC defines the scope for the supervisory activity.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_scheduled.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_scheduled.md",
      "headings": [
        "Scheduled {#glossentry_scheduled .glossentry}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Glossary/g_scheduled.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_Glossary/g_ses.md:chunk-0",
      "title": "State Examination System {#SES .glossentry}",
      "content": "# State Examination System \n\nState Examination System \\(SES\\)\n\n## SES { .glossAlt}",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_ses.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_ses.md",
      "headings": [
        "State Examination System {#SES .glossentry}",
        "SES { .glossAlt}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Glossary/g_ses.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_Glossary/g_single_agency_exam.md:chunk-0",
      "title": "Single-agency Examination {#glossentry_single_agency_exam .glossentry}",
      "content": "# Single-agency Examination \n\nAn examination conducted by a single agency. \\(Synonym: Independent Examination, Single Exam, Single‐state Exam\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_single_agency_exam.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_single_agency_exam.md",
      "headings": [
        "Single-agency Examination {#glossentry_single_agency_exam .glossentry}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Glossary/g_single_agency_exam.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_Glossary/g_sir.md:chunk-0",
      "title": "Standard Information Request {#glossentry_sir .glossentry}",
      "content": "# Standard Information Request \n\nAn information request that is available to all agencies in the SES Library, added by CSBS.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_sir.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_sir.md",
      "headings": [
        "Standard Information Request {#glossentry_sir .glossentry}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Glossary/g_sir.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_Glossary/g_srr.md:chunk-0",
      "title": "State Regulatory Registry {#glossentry_srr .glossentry}",
      "content": "# State Regulatory Registry \n\nA nonprofit subsidiary of the Conference of State Bank Supervisors \\(CSBS\\) that operates NMLS on behalf of state financial services regulatory agencies.\n\nState Regulatory Registry \\(SRR\\)\n\n## SRR { .glossAlt}",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_srr.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_srr.md",
      "headings": [
        "State Regulatory Registry {#glossentry_srr .glossentry}",
        "SRR { .glossAlt}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Glossary/g_srr.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_Glossary/g_sso.md:chunk-0",
      "title": "Single Sign-On {#glossentry_sso .glossentry}",
      "content": "# Single Sign-On \n\nThe ability to use existing credentials for multiple software applications, thus requiring only one “log in” for the user.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_sso.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_sso.md",
      "headings": [
        "Single Sign-On {#glossentry_sso .glossentry}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Glossary/g_sso.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_Glossary/g_staff_dir_user.md:chunk-0",
      "title": "Staff Director or User {#glossentry_staff_dir_user .glossentry}",
      "content": "# Staff Director or User \n\nAn agency user role in the System, responsible for identifying examinees and initiating examinations.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_staff_dir_user.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_staff_dir_user.md",
      "headings": [
        "Staff Director or User {#glossentry_staff_dir_user .glossentry}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Glossary/g_staff_dir_user.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_Glossary/g_standard_library_item.md:chunk-0",
      "title": "Standard IRs and Procedures {#g_standard_library_item .glossentry}",
      "content": "# Standard IRs and Procedures \n\nThese items are available in SES to facilitate the harmonization of exam activities among state agencies, by offering a uniform set of information requests and procedures for use by all state agency users. CSBS works and coordinates with its sister trade associations and agency working groups to implement, maintain, and update the standards in the system.\n\nstandard library items",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_standard_library_item.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_standard_library_item.md",
      "headings": [
        "Standard IRs and Procedures {#g_standard_library_item .glossentry}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Glossary/g_standard_library_item.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_Glossary/g_structure.md:chunk-0",
      "title": "Structure {#glossentry_structure .glossentry}",
      "content": "# Structure \n\nSingle or multi-state supervisory activity.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_structure.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_structure.md",
      "headings": [
        "Structure {#glossentry_structure .glossentry}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Glossary/g_structure.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_Glossary/g_sup_act.md:chunk-0",
      "title": "Supervisory Activity {#glossentry_sup_act .glossentry}",
      "content": "# Supervisory Activity \n\nAn activity conducted by a state agency over a financial institution under its regulatory authority. It includes examinations, investigations, and enforcement actions.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_sup_act.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_sup_act.md",
      "headings": [
        "Supervisory Activity {#glossentry_sup_act .glossentry}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Glossary/g_sup_act.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_Glossary/g_sup_user.md:chunk-0",
      "title": "Support Users {#glossentry_sup_user .glossentry}",
      "content": "# Support Users \n\nNMLS support staff who have been trained to provide assistance to system users.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_sup_user.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_sup_user.md",
      "headings": [
        "Support Users {#glossentry_sup_user .glossentry}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Glossary/g_sup_user.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_Glossary/g_tasks.md:chunk-0",
      "title": "Tasks {#glossentry_tasks .glossentry}",
      "content": "# Tasks \n\nAction items in SES requiring completion.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_tasks.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_tasks.md",
      "headings": [
        "Tasks {#glossentry_tasks .glossentry}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Glossary/g_tasks.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_Glossary/g_third_party_user.md:chunk-0",
      "title": "Third Party User {#glossentry_third_party_user .glossentry}",
      "content": "# Third Party User \n\nSES users added to a supervisory activity by a company user. Unlike company users, third party users are granted access to only certain supervisory activities, at the discretion of the company.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_third_party_user.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_third_party_user.md",
      "headings": [
        "Third Party User {#glossentry_third_party_user .glossentry}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Glossary/g_third_party_user.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_Glossary/g_time_frame.md:chunk-0",
      "title": "Time Frame {#glossentry_time_frame .glossentry}",
      "content": "# Time Frame \n\nThe begin and end dates pertaining to an information request, may differ from the examination period.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_time_frame.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_time_frame.md",
      "headings": [
        "Time Frame {#glossentry_time_frame .glossentry}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Glossary/g_time_frame.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_Glossary/g_violation.md:chunk-0",
      "title": "Violation {#xd_880651c89ae23cf9--57b58253-18350ee9da1--7fe6 .glossentry}",
      "content": "# Violation \n\nA type of finding in SES. A violation includes an act or omission by the company that amounts to the transgression of a law, regulation, rule, or administrative code. The agency may require the company to take steps to correct the violation and there will generally be a follow-up from the state agency regarding the plan or steps that the company will take to correct the violation.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_violation.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_violation.md",
      "headings": [
        "Violation {#xd_880651c89ae23cf9--57b58253-18350ee9da1--7fe6 .glossentry}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Glossary/g_violation.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_Glossary/g_work_programs.md:chunk-0",
      "title": "Work Programs {#xd_6598e38c1b0f3b54--390a811c-18de0a9e0a8--7ff9 .glossentry}",
      "content": "# Work Programs \n\nSES functionality that automatically builds the scope of an examination, including areas for review and information requests, based on the business type and business activities of the company being examined. The work program incorporates a “badge feature” when its key AFRs are used and also shows the program’s affiliation where applicable \\(e.g., MTRA, NACCA\\). The badge feature assists agencies in determining which examinations they want to review for leveraging or acceptance of exams.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_work_programs.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Glossary\\g_work_programs.md",
      "headings": [
        "Work Programs {#xd_6598e38c1b0f3b54--390a811c-18de0a9e0a8--7ff9 .glossentry}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Glossary/g_work_programs.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_Policy/topics/c_SES_CP_companyEnrollment.md:chunk-0",
      "title": "Company Enrollment {#t_SES_CP_companyEnrollment .concept}",
      "content": "# Company Enrollment \n\nThis policy addresses the process for a company to get access to SES and the role of state agency users in this process. In order to initiate a supervisory activity or complaint in the system, the company must be enrolled in the SES environment by a state agency.\n\nThis process is referred to as “Company Enrollment.” In most cases, a company will only go through this process once. Once a company has been successfully enrolled by a state agency in the system, that company will not likely need to be enrolled again. Once company users are established in SES, it is the responsibility of appointed company account administrators to manage their company’s users as personnel and business needs change.\n\n## Agency Role in the Enrollment Process \n\nMost agency users have the ability to enroll companies in SES, specifically those with the following user role\\(s\\):\n\n-   Staff Users\n-   Staff Directors\n-   Examiners\n-   Reviewers\n\nIt is recommended that each agency establish an internal policy that determines which staff are authorized to enroll companies prior to conducting a supervisory activity or complaint. Agency users performing this action should be aware that enrolling a company user will associate that user to the company account in SES and allow that individual to add other users to the company account. Therefore, it is important that only a confirmed examination or supervision contact at a company is enrolled. If an agency inadvertently enrolls the wrong user to a company, that company user has an option to decline this request, terminating the enrollment process.\n\n## Enrollment Process – Agency Perspective \n\nAgency users should contact the company outside of SES prior to initiating the enrollment process in the system. This way, companies can anticipate receiving the system emails that are automatically generated with the enrollment process and will understand their purpose. If you are an agency user, please refer to the Agency Guidelines to Enrol",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Policy\\topics\\c_SES_CP_companyEnrollment.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Policy\\topics\\c_SES_CP_companyEnrollment.md",
      "headings": [
        "Company Enrollment {#t_SES_CP_companyEnrollment .concept}",
        "Agency Role in the Enrollment Process {#section_o53_q3j_hsb .section}",
        "Enrollment Process – Agency Perspective {#section_dn3_v3j_hsb .section}",
        "Enrollment Process – Company Perspective {#section_bvq_rjj_hsb .section}",
        "Re-Enrolling {#section_qxp_tjj_hsb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Policy/topics/c_SES_CP_companyEnrollment.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_Policy/topics/c_SES_CP_companyEnrollment.md:chunk-1",
      "title": "Company Enrollment {#t_SES_CP_companyEnrollment .concept}",
      "content": "te receiving the system emails that are automatically generated with the enrollment process and will understand their purpose. If you are an agency user, please refer to the Agency Guidelines to Enroll New Companies in SES we made available to agencies with company communication templates.\n\nThe company enrollment process was designed to allow the agency to create the first company user in SES because it is assumed that the agency has the most accurate information about which individual at a company will handle supervisory activities for that company. SES displays the NMLS Contact Person and the NMLS Complaints Contact if provided by the company in NMLS. These listed individuals are for reference only and could be outdated if not updated regularly in NMLS by the company. The agency can use the NMLS contact information to reach out to the company and determine the appropriate contact for supervisory activities. Once this person is identified, the agency will enter the following basic information as part of the enrollment process:\n\n-   Email Address\n-   First Name / Last Name\n-   Primary Phone Number\n\n## Enrollment Process – Company Perspective \n\nThe enrolled company user is notified via email that the agency initiated the enrollment process. The company notifications provide the steps company users must take to get access to the system.\n\nCompany users should make sure they receive SES notifications by marking the SES email addresses and SES URLS as safe. Refer to the **Company Get Started** letter in your SES resource materials.\n\nWhen following the steps in the initial login email and upon logging in the first time, the company user will be prompted to confirm their association with the company. If the user confirms the relationship with the company, the user will designate the individual\\(s\\) they wish to be notified of new exams, investigations, and complaints for their company, a pair of roles called the “SA Contact” and “Complaints Contact”. While initially design",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Policy\\topics\\c_SES_CP_companyEnrollment.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Policy\\topics\\c_SES_CP_companyEnrollment.md",
      "headings": [
        "Company Enrollment {#t_SES_CP_companyEnrollment .concept}",
        "Agency Role in the Enrollment Process {#section_o53_q3j_hsb .section}",
        "Enrollment Process – Agency Perspective {#section_dn3_v3j_hsb .section}",
        "Enrollment Process – Company Perspective {#section_bvq_rjj_hsb .section}",
        "Re-Enrolling {#section_qxp_tjj_hsb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Policy/topics/c_SES_CP_companyEnrollment.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_Policy/topics/c_SES_CP_companyEnrollment.md:chunk-2",
      "title": "Company Enrollment {#t_SES_CP_companyEnrollment .concept}",
      "content": "te the individual\\(s\\) they wish to be notified of new exams, investigations, and complaints for their company, a pair of roles called the “SA Contact” and “Complaints Contact”. While initially designated at this step, the “SA Contact” and “Complaints Contact” can be updated when necessary.\n\nIf the company user believes they received an enrollment request in error and rejects the association with the company, the system will notify the agency of the rejection and the agency can begin the enrollment process with a different contact person.\n\n## Re-Enrolling \n\nIf the initial enrollment request was unsuccessful, agency users can initiate another request.\n\n**Parent topic:**Company-specific Policies",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Policy\\topics\\c_SES_CP_companyEnrollment.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Policy\\topics\\c_SES_CP_companyEnrollment.md",
      "headings": [
        "Company Enrollment {#t_SES_CP_companyEnrollment .concept}",
        "Agency Role in the Enrollment Process {#section_o53_q3j_hsb .section}",
        "Enrollment Process – Agency Perspective {#section_dn3_v3j_hsb .section}",
        "Enrollment Process – Company Perspective {#section_bvq_rjj_hsb .section}",
        "Re-Enrolling {#section_qxp_tjj_hsb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Policy/topics/c_SES_CP_companyEnrollment.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_Policy/topics/c_SES_CP_thirdPartyUserRolePolicy.md:chunk-0",
      "title": "System Third-Party Users {#t_SES_CP_thirdPartyUserRolePolicy .concept}",
      "content": "# System Third-Party Users \n\nThe State Examination System \\(SES\\) offers enrolled companies the opportunity, if feasible, to receive external assistance during an examination or investigation \\(i.e., Supervisory Activity or SA\\) through its Third Party User functionality \\(or “TPU functionality\"\\).\n\n## Objective \n\nThe objective of this policy is to define the Third-Party User role in the System[^1]. This includes access permissions, and the ability to use the System and its features.\n\n## Background \n\nCompanies may, at times, require the services of third-party entities to support their licensing and/or supervision activities. Accordingly, the System offers a third-party user role. This policy establishes the role’s access permissions, user classification, and defined capabilities in the System pertaining to licensing and/or supervision activities.\n\n## Policy \n\nThe following provisions apply to the Third-Party User \\(TPU\\) role in the System.\n\n1.  **Intended Use of the Third-Party User Role.** Company Users[^2] are required to identify the association of a TPU when employing a third-party to assist with licensing, examination, investigation, consumer complaint or any other activity in the System. The TPU role is designed to inform regulators when a third-party assists a company with its activities in the System, and to limit access to information and functionality within the System that is relevant to its designated responsibilities.\n2.  **Third-Party User Role Definition and Classification.**\n    1.  **Definition.** A TPU is a sole proprietor or an entity that provides support to a Company User with its licensing, examination, investigation, consumer complaint, or other activity in the System. TPUs do not include employees of a Company User or of any of its parent or subsidiary entities.\n    2.  **Classification.** A TPU shall be required to select its classification upon creating a user account in NMLS. TPUs may be any of the following:\n        -   Law Firm\n       ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Policy\\topics\\c_SES_CP_thirdPartyUserRolePolicy.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Policy\\topics\\c_SES_CP_thirdPartyUserRolePolicy.md",
      "headings": [
        "System Third-Party Users {#t_SES_CP_thirdPartyUserRolePolicy .concept}",
        "Objective {#section_djy_wgc_xgc .section}",
        "Background {#section_wjl_dhc_xgc .section}",
        "Policy {#section_xm4_tkj_hsb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Policy/topics/c_SES_CP_thirdPartyUserRolePolicy.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_Policy/topics/c_SES_CP_thirdPartyUserRolePolicy.md:chunk-1",
      "title": "System Third-Party Users {#t_SES_CP_thirdPartyUserRolePolicy .concept}",
      "content": "bsidiary entities.\n    2.  **Classification.** A TPU shall be required to select its classification upon creating a user account in NMLS. TPUs may be any of the following:\n        -   Law Firm\n        -   Audit Firm\n        -   Accounting Firm\n        -   Compliance and/or Licensing Management Company\n        -   Sole proprietor providing any of the services above\n        -   Business Process Outsourcing Providers\n    3.  **Account Creation in NMLS.** A TPU is subject to the same NMLS account set up requirements as a Company User. Steps to creating a TPU account are as follows:\n        -   The Company User initiates the account creation process for the TPU, triggering an email to the TPU with step-by-step instructions for setting up their organization’s account in NMLS.\n            1.  Once the TPU account is created, the TPU account administrator will be able to create individual user logins under the account.\n            2.  Once the TPU account is created, the Company User will receive a notification and can then assign the TPU to a specific activity within SES. Before the Company User adds the TPU to the activity, the agency may require a confidentiality agreement between the TPU and the Company User to be uploaded to the System.\n3.  **Agency Determination in SES.** Agencies have the option to opt in to receive notifications regarding the involvement of Third-Party Users \\(TPUs\\). If an agency opts in, it will determine whether a Company User is permitted to engage a TPU for a specific activity, and whether the TPU may communicate directly with the agency in accordance with its designated role, as outlined below. Agencies that choose to opt out will not receive notifications about TPU usage from Company Users.\n    1.  **TPU Support in a Single-State Supervisory Activity.** If the agency approves the request, the TPU will be automatically added to the activity under the designated TPU role. If the request is denied, the Company User will be notified that the TPU ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Policy\\topics\\c_SES_CP_thirdPartyUserRolePolicy.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Policy\\topics\\c_SES_CP_thirdPartyUserRolePolicy.md",
      "headings": [
        "System Third-Party Users {#t_SES_CP_thirdPartyUserRolePolicy .concept}",
        "Objective {#section_djy_wgc_xgc .section}",
        "Background {#section_wjl_dhc_xgc .section}",
        "Policy {#section_xm4_tkj_hsb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Policy/topics/c_SES_CP_thirdPartyUserRolePolicy.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_Policy/topics/c_SES_CP_thirdPartyUserRolePolicy.md:chunk-2",
      "title": "System Third-Party Users {#t_SES_CP_thirdPartyUserRolePolicy .concept}",
      "content": "vity.** If the agency approves the request, the TPU will be automatically added to the activity under the designated TPU role. If the request is denied, the Company User will be notified that the TPU is not authorized to participate in the activity. TPUs may assist the Company User in responding to supervisory activity requests, including Information Requests, Loan Requests, and Matters Requiring Attention. Based on the agency’s preference, the TPU may either communicate directly with the agency or coordinate through the Company User. Prior to submission, the SES Company User must attest to the accuracy of all information provided by the TPU or prepared in collaboration with them.\n    2.  **TPU Support in a Miltistate Supervisory Activity.** Approval from all participating agencies is required for the TPU to support a multistate examination. In the absence of unanimous approval, the TPU feature will be unavailable for use. Alternatively, any agency unable to grant approval may elect to withdraw from participating in the examination. Depending on the agencies’ preference, the TPU may engage directly with the agency leading the multistate activity or defer to the Company User for direct communication. Prior to submission, the SES Company User must attest to the accuracy of all information prepared by, or in collaboration with, the TPU.\n4.  **TPU Role in SES.** TPUs are limited to their assigned supervisory activity and designated role within SES. Under no circumstances may a TPU hold a Company User-level role, including but not limited to Account Administrator, Leader, or Company Lead. TPUs cannot access the Company User’s account profile or view other System activities beyond their assigned scope. Upon closure of the supervisory activity, the TPU will be automatically removed from the activity and lose all associated access. Additionally, TPUs are prohibited from accessing QuickIR, the Company User’s repository of the standard Information Requests in SES. They may no",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Policy\\topics\\c_SES_CP_thirdPartyUserRolePolicy.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Policy\\topics\\c_SES_CP_thirdPartyUserRolePolicy.md",
      "headings": [
        "System Third-Party Users {#t_SES_CP_thirdPartyUserRolePolicy .concept}",
        "Objective {#section_djy_wgc_xgc .section}",
        "Background {#section_wjl_dhc_xgc .section}",
        "Policy {#section_xm4_tkj_hsb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Policy/topics/c_SES_CP_thirdPartyUserRolePolicy.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_Policy/topics/c_SES_CP_thirdPartyUserRolePolicy.md:chunk-3",
      "title": "System Third-Party Users {#t_SES_CP_thirdPartyUserRolePolicy .concept}",
      "content": "moved from the activity and lose all associated access. Additionally, TPUs are prohibited from accessing QuickIR, the Company User’s repository of the standard Information Requests in SES. They may not draft, edit, or update company responses to the standards in QuickIR.\n\nThis policy operates in alignment with the Data Relevancy and Record Retention Policies. It will be revised as necessary to incorporate relevant provisions from those policies as they are developed and approved.\n\n**Parent topic:**Company-specific Policies\n\n[^1]: The term “System” means the Nationwide Multistate Licensing System and Registry \\(“NMLSR” and/or “NMLS”\\) and all examination programs, investigation programs, complaint programs, software applications, materials, content or services accessible thereon, as provided by SRR, affiliates of SRR or other third parties.\n[^2]: For purposes of this policy, a Company User refers to a System licensee or registrant including a covered financial services institution and/or and individual \\(such as Mortgage Loan Originator\\).",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Policy\\topics\\c_SES_CP_thirdPartyUserRolePolicy.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Policy\\topics\\c_SES_CP_thirdPartyUserRolePolicy.md",
      "headings": [
        "System Third-Party Users {#t_SES_CP_thirdPartyUserRolePolicy .concept}",
        "Objective {#section_djy_wgc_xgc .section}",
        "Background {#section_wjl_dhc_xgc .section}",
        "Policy {#section_xm4_tkj_hsb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Policy/topics/c_SES_CP_thirdPartyUserRolePolicy.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_Policy/topics/c_SES_GP_definitionsOfFindingsAndAllegedViolations.md:chunk-0",
      "title": "Definitions of Findings and Alleged Violations {#t_SES_GP_definitionsOfFindingsAndAllegedViolations .concept}",
      "content": "# Definitions of Findings and Alleged Violations \n\nThis policy defines the finding types in the system, and the term “alleged violation.\"\n\nThe policy also outlines the use of these terms in the State Examination System as they relate to the examination/investigation of a company or the processing of a consumer complaint about a company.\n\n## Definitions \n\nFinding.\n:   An issue identified by a state agency user during the supervision of a financial institution in SES. The finding may describe the company’s strengths and/or weaknesses regarding its compliance management system, assess the company’s compliance with consumer protection laws or regulations, or any potential consumer harm. A finding may be either a violation, recommendation or observation. These terms are defined below. Findings are used in the Supervisory Activity \\(“SA”\\) section of the system to elevate an issue identified during examinations and investigations. Findings may be entered by the agency user at any time before the report of examination or investigation is sent to the company, but generally as procedures or loan file reviews are completed.\n\n    **Types of Findings**\n    Violation.\n    :   A type of finding in SES. A violation includes an act or omission by the company that amounts to the transgression of a law, regulation, rule, or administrative code. The agency may require the company to take steps to correct the violation and there will generally be a follow-up from the state agency regarding the plan or steps that the company will take to correct the violation.\n\n    Recommendation.\n    :   A type of finding in SES. Offers an opportunity for the company to improve compliance or risk management posture with a statute, regulation, rule, company policy/procedure or other regulatory expectation.\n\n    Observation.\n    :   A type of finding in SES that a company should take into consideration in order to improve their overall risk management posture or compliance with an internal policy or regu",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Policy\\topics\\c_SES_GP_definitionsOfFindingsAndAllegedViolations.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Policy\\topics\\c_SES_GP_definitionsOfFindingsAndAllegedViolations.md",
      "headings": [
        "Definitions of Findings and Alleged Violations {#t_SES_GP_definitionsOfFindingsAndAllegedViolations .concept}",
        "Definitions {#section_msl_ndk_rsb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Policy/topics/c_SES_GP_definitionsOfFindingsAndAllegedViolations.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_Policy/topics/c_SES_GP_definitionsOfFindingsAndAllegedViolations.md:chunk-1",
      "title": "Definitions of Findings and Alleged Violations {#t_SES_GP_definitionsOfFindingsAndAllegedViolations .concept}",
      "content": "\n    Observation.\n    :   A type of finding in SES that a company should take into consideration in order to improve their overall risk management posture or compliance with an internal policy or regulatory expectation.\n\n    Alleged Violation.\n    :   This type of potential finding is used only in the SES Consumer Complaints area of the system. An alleged violation is a potential finding against the company identified by the state agency during the handling of a complaint about the company in SES Consumer Complaints. Alleged violations are identified by the state agency during the agency’s research and assessment of facts and circumstances surrounding the consumer complaint, and communication with the company about the complaint.\n\n**Parent topic:**General Policies",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Policy\\topics\\c_SES_GP_definitionsOfFindingsAndAllegedViolations.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Policy\\topics\\c_SES_GP_definitionsOfFindingsAndAllegedViolations.md",
      "headings": [
        "Definitions of Findings and Alleged Violations {#t_SES_GP_definitionsOfFindingsAndAllegedViolations .concept}",
        "Definitions {#section_msl_ndk_rsb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Policy/topics/c_SES_GP_definitionsOfFindingsAndAllegedViolations.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_Policy/topics/c_SES_GP_documentUpload.md:chunk-0",
      "title": "Document Upload {#t_SES_GP_documentUpload .concept}",
      "content": "# Document Upload \n\nIn support of the supervision process, the State Examination System \\(SES\\) allows both agency and company users to upload documents.\n\nIn addition to the details below, SES will follow a set of document retention rules. Record Retention and Disposition Schedule.\n\n## File Types and Size Restrictions \n\n-   **File formats supported**: SES will accept all file formats, but the following commonly supported file types are recommended: PDF, Word®, Excel®, CSV, ZIP\n-   **Max file size**: 1 GB\n-   **For files larger than 1 GB[^1]:**\n    -   Use ZIP compression to reduce file to less than 1 GB[^1]\n    -   Split the file into multiple smaller files\n    -   Use File Sharing Links.\n-   **Max no. characters per file name:** 200\n-   **Max no. files per upload**: 25, for uploads larger than 25 total files:\n    1.  Upload first 25.\n    2.  Select the **Save Draft** option in Available Next Actions then click the **Save Draft** button.\n\n        **Note:** You may need to refresh the screen to see that the files have uploaded to the system.\n\n    3.  Return to the response screen to upload the next 25 files and repeat.\n-   **Total no. files**: unlimited\n\nA single document cannot exceed 1 GB[^1] in size. If a single document exceeds 1 GB[^1], you will have to break the file up into multiple uploads. Depending on the size of the document, the system will take time to process the file uploads. This could take anywhere from a few seconds to a few minutes. The larger the document, the longer it will take to process.\n\n## Preview vs. Download \n\nThe system offers two different ways to view an uploaded document. You can preview a document which loads on screen in a viewing window, or you can download the document in its native format.\n\n## Uploading Encrypted, Password Protected, and Zip Files \n\nEncrypted, password protected, ZIP files, and videos cannot be previewed, but can be downloaded. A user attempting to preview these documents will receive an error message.\n\n## Documen",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Policy\\topics\\c_SES_GP_documentUpload.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Policy\\topics\\c_SES_GP_documentUpload.md",
      "headings": [
        "Document Upload {#t_SES_GP_documentUpload .concept}",
        "File Types and Size Restrictions {#section_ecf_lkh_hsb .section}",
        "Preview vs. Download {#section_fcf_lkh_hsb .section}",
        "Uploading Encrypted, Password Protected, and Zip Files {#section_jly_lkh_hsb .section}",
        "Document Names and Audit Information {#section_nbq_mkh_hsb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Policy/topics/c_SES_GP_documentUpload.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_Policy/topics/c_SES_GP_documentUpload.md:chunk-1",
      "title": "Document Upload {#t_SES_GP_documentUpload .concept}",
      "content": "and Zip Files \n\nEncrypted, password protected, ZIP files, and videos cannot be previewed, but can be downloaded. A user attempting to preview these documents will receive an error message.\n\n## Document Names and Audit Information \n\nThe system will support a lengthy document name, but users are encouraged to create succinct titles. For reference, documents will have an audit section to represent:\n\n-   Name of user who uploaded document\\(s\\)\n-   Date and time the document was uploaded\n-   Date and time the document was updated\n-   Name of user who updated the document\n\n**Parent topic:**General Policies\n\n[^1]: For documents uploaded to the Interactions tab, the maximum file size is 25 MB.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Policy\\topics\\c_SES_GP_documentUpload.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Policy\\topics\\c_SES_GP_documentUpload.md",
      "headings": [
        "Document Upload {#t_SES_GP_documentUpload .concept}",
        "File Types and Size Restrictions {#section_ecf_lkh_hsb .section}",
        "Preview vs. Download {#section_fcf_lkh_hsb .section}",
        "Uploading Encrypted, Password Protected, and Zip Files {#section_jly_lkh_hsb .section}",
        "Document Names and Audit Information {#section_nbq_mkh_hsb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Policy/topics/c_SES_GP_documentUpload.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_Policy/topics/c_SES_GP_eligibilityForCompanyEnrollmentInSes-1.md:chunk-0",
      "title": "Eligibility for Company Enrollment in SES {#t_SES_GP_eligibilityForCompanyEnrollmentInSes .concept}",
      "content": "# Eligibility for Company Enrollment in SES \n\nThis policy governs the companies that are eligible to participate in supervisory activities in State Examination System.\n\n*Approved 10/14/20*\n\n*Updated 09/01/23*\n\nThis policy governs the prerequisites that a company must meet before it can participate as a new user in the NMLS \\(Nationwide Multistate Licensing System\\) supervisory tool - the State Examination System \\(“SES”\\). A Supervisory activity comprises the examination, investigation of a company, along with the processing of consumer complaints about a company in the system.\n\nThere are two prerequisites for a company to participate as a user in SES:\n\n1.  The company must offer a financial product or service; and\n2.  The company must have an account in NMLS.\n\nThese requirements are described in more detail below.\n\n## 1\\) The Company Must Offer a Financial Product or Service \n\nThe company must be responsible for delivering products and services either directly to consumers or related to a consumer’s use of those products and services. In addition, these products and services must be supervised or regulated by state financial regulators. This includes, but it is not limited to, all NMLS Business Activities, found here, and the following business types in SES:\n\n-   Auction\n-   Credit Union\n-   Commercial Finance\n-   Consumer Finance\n-   Debt\n-   Money Service Business\n-   Mortgage Origination\n-   Mortgage Servicing\n-   Technology Service Provider\n-   Trust\n\n## 2\\) The Company Must Have an Account in NMLS \n\nA company requested to be supervised in SES by a state agency must first ensure it has an account in NMLS.\n\nThe company does not need to apply for a license or proceed with licensure in NMLS. Simply creating an account in NMLS is sufficient for the company to enroll in SES. The process by a company to enroll in SES is a one-time exercise. SES company users will then be eligible for supervision in the system by any agency using the system.\n\nSES company users must ha",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Policy\\topics\\c_SES_GP_eligibilityForCompanyEnrollmentInSes-1.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Policy\\topics\\c_SES_GP_eligibilityForCompanyEnrollmentInSes-1.md",
      "headings": [
        "Eligibility for Company Enrollment in SES {#t_SES_GP_eligibilityForCompanyEnrollmentInSes .concept}",
        "1\\) The Company Must Offer a Financial Product or Service {#section_itx_zcz_ryb .section}",
        "2\\) The Company Must Have an Account in NMLS {#section_zrd_1dz_ryb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Policy/topics/c_SES_GP_eligibilityForCompanyEnrollmentInSes-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_Policy/topics/c_SES_GP_eligibilityForCompanyEnrollmentInSes-1.md:chunk-1",
      "title": "Eligibility for Company Enrollment in SES {#t_SES_GP_eligibilityForCompanyEnrollmentInSes .concept}",
      "content": " SES. The process by a company to enroll in SES is a one-time exercise. SES company users will then be eligible for supervision in the system by any agency using the system.\n\nSES company users must have their account information maintained in NMLS regardless of whether they hold a license in NMLS. This is a requirement to keep the data uniformity regularly transferred from NMLS to SES. A SES company that has undergone a legal name change, must call the SES call center support line to have its information updated in NMLS. The support line may be reached at 1-800-269-6189.\n\nThe company must provide the call center with a written request on company letterhead that includes the full name of the applicant as it appears on its NMLS account, evidence of the legal name change filed with the Secretary of State or its equivalent in the state of domicile of the company, the IRS \\(Internal Revenue Services\\) Form 147C evidencing the name change, the IRS Employer Identification Number, the State/Province & Country of formation, and date of formation.\n\n**Parent topic:**General Policies",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Policy\\topics\\c_SES_GP_eligibilityForCompanyEnrollmentInSes-1.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Policy\\topics\\c_SES_GP_eligibilityForCompanyEnrollmentInSes-1.md",
      "headings": [
        "Eligibility for Company Enrollment in SES {#t_SES_GP_eligibilityForCompanyEnrollmentInSes .concept}",
        "1\\) The Company Must Offer a Financial Product or Service {#section_itx_zcz_ryb .section}",
        "2\\) The Company Must Have an Account in NMLS {#section_zrd_1dz_ryb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Policy/topics/c_SES_GP_eligibilityForCompanyEnrollmentInSes-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_Policy/topics/c_SES_GP_eligibilityForCompanyEnrollmentInSes.md:chunk-0",
      "title": "Eligibility for Company Enrollment in SES {#t_SES_GP_eligibilityForCompanyEnrollmentInSes .concept}",
      "content": "# Eligibility for Company Enrollment in SES \n\nThis policy governs the companies that are eligible to participate in supervisory activities in State Examination System.\n\n*Approved 10/14/20*\n\n*Updated 09/01/23*\n\nThis policy governs the prerequisites that a company must meet before it can participate as a new user in the NMLS \\(Nationwide Multistate Licensing System\\) supervisory tool - the State Examination System \\(“SES”\\). A Supervisory activity comprises the examination, investigation of a company, along with the processing of consumer complaints about a company in the system.\n\nThere are two prerequisites for a company to participate as a user in SES:\n\n1.  The company must offer a financial product or service; and\n2.  The company must have an account in NMLS.\n\nThese requirements are described in more detail below.\n\n## 1\\) The Company Must Offer a Financial Product or Service \n\nThe company must be responsible for delivering products and services either directly to consumers or related to a consumer’s use of those products and services. In addition, these products and services must be supervised or regulated by state financial regulators. This includes, but it is not limited to, all NMLS Business Activities, found here, and the following business types in SES:\n\n-   Auction\n-   Credit Union\n-   Commercial Finance\n-   Consumer Finance\n-   Debt\n-   Money Service Business\n-   Mortgage Origination\n-   Mortgage Servicing\n-   Technology Service Provider\n-   Trust\n\n## 2\\) The Company Must Have an Account in NMLS \n\nA company requested to be supervised in SES by a state agency must first ensure it has an account in NMLS.\n\nThe company does not need to apply for a license or proceed with licensure in NMLS. Simply creating an account in NMLS is sufficient for the company to enroll in SES. The process by a company to enroll in SES is a one-time exercise. SES company users will then be eligible for supervision in the system by any agency using the system.\n\nSES company users must ha",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Policy\\topics\\c_SES_GP_eligibilityForCompanyEnrollmentInSes.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Policy\\topics\\c_SES_GP_eligibilityForCompanyEnrollmentInSes.md",
      "headings": [
        "Eligibility for Company Enrollment in SES {#t_SES_GP_eligibilityForCompanyEnrollmentInSes .concept}",
        "1\\) The Company Must Offer a Financial Product or Service {#section_itx_zcz_ryb .section}",
        "2\\) The Company Must Have an Account in NMLS {#section_zrd_1dz_ryb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Policy/topics/c_SES_GP_eligibilityForCompanyEnrollmentInSes.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_Policy/topics/c_SES_GP_eligibilityForCompanyEnrollmentInSes.md:chunk-1",
      "title": "Eligibility for Company Enrollment in SES {#t_SES_GP_eligibilityForCompanyEnrollmentInSes .concept}",
      "content": " SES. The process by a company to enroll in SES is a one-time exercise. SES company users will then be eligible for supervision in the system by any agency using the system.\n\nSES company users must have their account information maintained in NMLS regardless of whether they hold a license in NMLS. This is a requirement to keep the data uniformity regularly transferred from NMLS to SES. A SES company that has undergone a legal name change, must call the SES call center support line to have its information updated in NMLS. The support line may be reached at 1-800-269-6189.\n\nThe company must provide the call center with a written request on company letterhead that includes the full name of the applicant as it appears on its NMLS account, evidence of the legal name change filed with the Secretary of State or its equivalent in the state of domicile of the company, the IRS \\(Internal Revenue Services\\) Form 147C evidencing the name change, the IRS Employer Identification Number, the State/Province & Country of formation, and date of formation.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Policy\\topics\\c_SES_GP_eligibilityForCompanyEnrollmentInSes.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Policy\\topics\\c_SES_GP_eligibilityForCompanyEnrollmentInSes.md",
      "headings": [
        "Eligibility for Company Enrollment in SES {#t_SES_GP_eligibilityForCompanyEnrollmentInSes .concept}",
        "1\\) The Company Must Offer a Financial Product or Service {#section_itx_zcz_ryb .section}",
        "2\\) The Company Must Have an Account in NMLS {#section_zrd_1dz_ryb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Policy/topics/c_SES_GP_eligibilityForCompanyEnrollmentInSes.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_Policy/topics/c_SES_GP_interimDocumentsAndDataRetentionPolicy.md:chunk-0",
      "title": "SES Record Retention Policy {#t_SES_GP_interimDocumentsAndDataRetentionPolicy .concept}",
      "content": "# SES Record Retention Policy \n\nThis policy addresses the retention and disposal of documents and data in the State Examination System. System users will be made aware of this policy during their initial onboarding.\n\nThis policy does not supersede the system’s Terms of Use.\n\nSES users are advised that if a state law or policy requires a different retention schedule than this policy’s schedule, the user is solely responsible for complying with any such schedule in accordance with that user’s existing policies and procedures, outside of SES.\n\n**Parent topic:**General Policies\n\n## Definitions of Record, Documents, and Data \n\nFor purposes of this policy, records do not include agency library items, call center support user files or other non-supervisory activity records.\n\n### Record \n\nA record in SES is the information generated in the system by state agencies and the companies they supervise during an examination, investigation, and consumer complaint handling in the system. Records are comprised of documents uploaded to the system and data generated in SES during supervision. Both terms are defined below.\n\n### Documents \n\nA document is a file that is uploaded to the system during a SA or for complaint handling. These include but are not limited to:\n\n-   The report of examination and report of investigation issued by a state agency.\n-   Electronic documents in Word®, Excel®, PowerPoint®, PDF or similar formats in response to an examination or consumer complaint. The report of examination and report of investigation.\n-   Other electronic material such as e-mails and audio recordings in response to an examination or consumer complaint.\n\n### Data \n\nData is information that is entered by, or displayed to, SES users on their screens when they use the system. Data is:\n\n-   Generated automatically by the system \\(i.e., data that can be seen on the user’s screen\\).\n-   Typed in the system by the user in a data entry field as part of the user’s activity in the system.\n\nExamples",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Policy\\topics\\c_SES_GP_interimDocumentsAndDataRetentionPolicy.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Policy\\topics\\c_SES_GP_interimDocumentsAndDataRetentionPolicy.md",
      "headings": [
        "SES Record Retention Policy {#t_SES_GP_interimDocumentsAndDataRetentionPolicy .concept}",
        "Definitions of Record, Documents, and Data {#t_SES_GP_documentsAndDataInSes}",
        "Record {#section_bym_5kf_55b .section}",
        "Documents {#section_wbz_2m3_hsb .section}",
        "Data {#section_uvm_gm3_hsb .section}",
        "Record Retention and Disposition Schedule {#t_SES_GP_sesDocumentAndDataRetentionAndDispositionSchedule}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Policy/topics/c_SES_GP_interimDocumentsAndDataRetentionPolicy.html",
      "snippet": null
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    {
      "id": "maps/SES/chapter/bizContent/SES_Policy/topics/c_SES_GP_interimDocumentsAndDataRetentionPolicy.md:chunk-1",
      "title": "SES Record Retention Policy {#t_SES_GP_interimDocumentsAndDataRetentionPolicy .concept}",
      "content": "ated automatically by the system \\(i.e., data that can be seen on the user’s screen\\).\n-   Typed in the system by the user in a data entry field as part of the user’s activity in the system.\n\nExamples of data include, but are not limited to, the exam start date; the exam rating \\(if assigned\\); comments added to the exam record by examiners when completing procedures; the summary of a complaint.\n\nSES users – state agencies and the companies they supervise in the system – should limit the entry of comments in these fields, including consumers’ personal identifiable information and confidential supervisory information. Data that contains sensitive information should be uploaded to the system in a document wherever possible.\n\n## Record Retention and Disposition Schedule \n\nFor retention purposes, records in SES refer to the supervision or complaints work initiated and conducted in the system.\n\nFor retention purposes, records in SES refer to the supervision or complaints work initiated and conducted in the system. Records are comprised of documents uploaded to the system and data generated in SES during the supervision process or handling of a complaint. Information from each record may fall under one of the two following categories:\n\n-   **Category A**. Information in this category is retained for 10 years. This retention period will begin to run as of the date the record is closed in the system, or, if applicable, when the last Matter Requiring Attention \\(MRA\\) is closed, whichever is later. Records will be permanently deleted from the system at the conclusion of the retention period. The following records fall under category A:\n    -   All data generated in the system during state supervision, i.e., Supervisory Activities \\(SAs\\) and complaints.\n\n    -   All documents uploaded to the system by agency users.\n\n    -   Documents uploaded by the company user in response to the report of examination, investigation, MRA, or consumer complaint.\n\n    -   Any documents assign",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Policy\\topics\\c_SES_GP_interimDocumentsAndDataRetentionPolicy.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Policy\\topics\\c_SES_GP_interimDocumentsAndDataRetentionPolicy.md",
      "headings": [
        "SES Record Retention Policy {#t_SES_GP_interimDocumentsAndDataRetentionPolicy .concept}",
        "Definitions of Record, Documents, and Data {#t_SES_GP_documentsAndDataInSes}",
        "Record {#section_bym_5kf_55b .section}",
        "Documents {#section_wbz_2m3_hsb .section}",
        "Data {#section_uvm_gm3_hsb .section}",
        "Record Retention and Disposition Schedule {#t_SES_GP_sesDocumentAndDataRetentionAndDispositionSchedule}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Policy/topics/c_SES_GP_interimDocumentsAndDataRetentionPolicy.html",
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    {
      "id": "maps/SES/chapter/bizContent/SES_Policy/topics/c_SES_GP_interimDocumentsAndDataRetentionPolicy.md:chunk-2",
      "title": "SES Record Retention Policy {#t_SES_GP_interimDocumentsAndDataRetentionPolicy .concept}",
      "content": "loaded to the system by agency users.\n\n    -   Documents uploaded by the company user in response to the report of examination, investigation, MRA, or consumer complaint.\n\n    -   Any documents assigned to this category by the agency at the agency’s discretion during the examination.\n\n-   **Category B**. Information in this category is retained for 90 days. This retention period will begin to run as of the date the record is closed in the system, or, if applicable, when the last MRA is closed in the system, whichever is later. Records will be permanently deleted from the system at the conclusion of the retention period. The following records fall under Category B:\n    -   Documents uploaded to the system by company users during an exam or investigation that are not listed in Category A. For example, this may include documents uploaded to SES in response to an information request or loan request.\n\nSES agency users can download documents from the system anytime until the files are removed from the system pursuant to the SES Records Retention and Disposition Schedules. The system offers a bulk download functionality to agency users for exams and investigations whereby documents associated to a SA can be downloaded in their original format. A state agency with a retention period greater than the policy’s retention timeframes, can use this download feature to store the information on their state agency system to comply with their agency requirements.\n\nSES agency users may also suspend the retention timeframes in the system at their discretion to address pending supervisory matters until they are resolved, at which time they can resume the retention timeframe.",
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      "headings": [
        "SES Record Retention Policy {#t_SES_GP_interimDocumentsAndDataRetentionPolicy .concept}",
        "Definitions of Record, Documents, and Data {#t_SES_GP_documentsAndDataInSes}",
        "Record {#section_bym_5kf_55b .section}",
        "Documents {#section_wbz_2m3_hsb .section}",
        "Data {#section_uvm_gm3_hsb .section}",
        "Record Retention and Disposition Schedule {#t_SES_GP_sesDocumentAndDataRetentionAndDispositionSchedule}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Policy/topics/c_SES_GP_interimDocumentsAndDataRetentionPolicy.html",
      "snippet": null
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    {
      "id": "maps/SES/chapter/bizContent/SES_Policy/topics/c_SES_GP_sesOverview.md:chunk-0",
      "title": "SES Functionality Overview {#xd_968510875a2fbf0d-1eb84c62-199fcebe86f--7fbb .concept}",
      "content": "# SES Functionality Overview \n\nSES policy on the core functionalities of the system.\n\n**Approved** 10/20/25\n\nThis policy provides an overview of the core functionalities of SES, a component of the System[^1] and any usage restrictions. It also establishes its governance framework and highlights coordination efforts with sister regulatory organizations to ensure consistent standards that enable effective networked supervision.\n\n## Functionality Overview \n\nSES has the following core functionalities:\n\n1.  **Supervisory Activities \\(SAs\\).** SAs encompass examination and/or investigation functionality of Company Users[^2]. Currently, only Company Users with the “Non-Depository” designation can be examined or investigated in SES[^3]. In rare and exceptional cases, SA functionality may be utilized to facilitate enforcement actions against a Company User. This use requires a formal request from a regulatory agency and is contingent upon approval by the NMLS Policy Committee.\n2.  **Consumer Complaints.** This functionality allows regulatory agencies to transmit consumer complaints directly to the Company User identified as the subject of the complaint[^4]. In addition to those designated as Non-Depository, Company Users with the “Depository”[^5] designation may also be the subject of a complaint in SES.\n\n    SES Consumer Complaints includes a “Non-NMLS Entity” feature, enabling regulatory agencies to create records for Company Users that cannot be identified through standard processes, and lack a license or account in NMLS. This feature is accessible to all agency users and supports state efforts to detect and monitor unlicensed activity.\n\n3.  **Business Types.** As a component of NMLS, SES oversees the supervision of Business Types and their corresponding Business Activities, which can be accessed here. In addition, to support the Depository designation in Consumer Complaints, the Business Types “Commercial Bank” and “Credit Union” are also included in SES.\n\n## Governance ",
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      "headings": [
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        "Functionality Overview {#section_i5y_4fv_bhc .section}",
        "Governance and Oversight of SES {#section_snr_vjv_bhc .section}",
        "Coordination of Supervisory Standards in SES {#section_or3_1kv_bhc .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Policy/topics/c_SES_GP_sesOverview.html",
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      "id": "maps/SES/chapter/bizContent/SES_Policy/topics/c_SES_GP_sesOverview.md:chunk-1",
      "title": "SES Functionality Overview {#xd_968510875a2fbf0d-1eb84c62-199fcebe86f--7fbb .concept}",
      "content": "which can be accessed here. In addition, to support the Depository designation in Consumer Complaints, the Business Types “Commercial Bank” and “Credit Union” are also included in SES.\n\n## Governance and Oversight of SES \n\nThe SRR Board of Managers \\(the “Board”\\) holds responsibility for oversight of the System. It reviews and approves key policy and development matters, including budgeting, system expansion, and initiatives that may significantly impact SES functionality. To ensure thorough vetting and governance of SES-related development and policy activities, the Board delegates specific authorities to the following agency groups, as follows:\n\n-   NMLS Policy Committee. Responsible for evaluating and approving SES policy matters. The Committee reports directly to the Board.\n-   SES Agency Advisory Group \\(AAG\\). Focuses on development-related topics requiring review. The AAG reports to the NMLS Policy Committee.\n-   NMLS Lawyer’s Committee. Provides legal review and feedback on significant policy and regulatory issues.\n\n## Coordination of Supervisory Standards in SES \n\nSES coordinates supervisory activity development with sister regulator organizations. A cornerstone of this coordination is the SES Library, which houses standardized information requests and procedures. These resources promote consistency and harmonization across state agencies by providing a uniform framework for examination activities. CSBS collaborates with regulator organizations and agency working groups to implement, maintain, and update these standards, as follows:\n\n-   Consumer Finance Standards. Developed, updated, and maintained by the National Association of Consumer Credit Administrators \\(NACCA\\).\n-   Debt Standards. Developed, updated, and maintained by the North American Collection Agency Regulatory Association \\(NACARA\\).\n-   • Money Services Business Standards. Developed, updated, and maintained by the Money Transmitter Regulators Association \\(MTRA\\).\n-   • Mortgage Standards. ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Policy\\topics\\c_SES_GP_sesOverview.md",
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      "headings": [
        "SES Functionality Overview {#xd_968510875a2fbf0d-1eb84c62-199fcebe86f--7fbb .concept}",
        "Functionality Overview {#section_i5y_4fv_bhc .section}",
        "Governance and Oversight of SES {#section_snr_vjv_bhc .section}",
        "Coordination of Supervisory Standards in SES {#section_or3_1kv_bhc .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Policy/topics/c_SES_GP_sesOverview.html",
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    {
      "id": "maps/SES/chapter/bizContent/SES_Policy/topics/c_SES_GP_sesOverview.md:chunk-2",
      "title": "SES Functionality Overview {#xd_968510875a2fbf0d-1eb84c62-199fcebe86f--7fbb .concept}",
      "content": "ency Regulatory Association \\(NACARA\\).\n-   • Money Services Business Standards. Developed, updated, and maintained by the Money Transmitter Regulators Association \\(MTRA\\).\n-   • Mortgage Standards. Developed, updated, and maintained by the Mortgage Standards Examination Working Group, which is overseen by the Non-Depository Supervisory Committee \\(NDSC\\). Most of the working group members are also part of the American Association of Residential Mortgage Regulators \\(AARMR\\), with which it closely coordinates related initiatives.\n\nCoordination with these organizations occurs on an as-needed basis.\n\n**Parent topic:**General Policies\n\n[^1]: The term “System” means the Nationwide Multistate Licensing System and Registry \\(“NMLSR” and/or “NMLS”\\) and all examination programs, investigation programs, complaint programs, software applications, materials, content or services accessible thereon, as provided by SRR, affiliates of SRR or other third parties.\n[^2]: A “Company User” refers to a covered financial services institution, its branches and subsidiaries, and its affiliated individuals \\(such as Mortgage Loan Originators\\).\n[^3]: SES derives base record Non-Depository data from NMLS. Therefore, the Company User must have at a minimum an account in NMLS. NMLS validation processes occur within its database, and only after successful validation can the data be imported into SES.\n[^4]: SES does not currently offer consumer-facing functionality. The agency must input the complaint they receive externally from consumers in SES before sending it to the company.\n[^5]: SES derives base record Depository data from the National Information Center \\(NIC\\). NIC is a publicly available repository of financial data collected by the Federal Reserve System. It is managed by the Federal Financial Institutions Examination Council. The data is updated in SES weekly.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Policy\\topics\\c_SES_GP_sesOverview.md",
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      "headings": [
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        "Functionality Overview {#section_i5y_4fv_bhc .section}",
        "Governance and Oversight of SES {#section_snr_vjv_bhc .section}",
        "Coordination of Supervisory Standards in SES {#section_or3_1kv_bhc .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Policy/topics/c_SES_GP_sesOverview.html",
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      "id": "maps/SES/chapter/bizContent/SES_Policy/topics/c_SES_GP_sesOverview.md:chunk-3",
      "title": "SES Functionality Overview {#xd_968510875a2fbf0d-1eb84c62-199fcebe86f--7fbb .concept}",
      "content": "nancial Institutions Examination Council. The data is updated in SES weekly.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Policy\\topics\\c_SES_GP_sesOverview.md",
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      "headings": [
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        "Functionality Overview {#section_i5y_4fv_bhc .section}",
        "Governance and Oversight of SES {#section_snr_vjv_bhc .section}",
        "Coordination of Supervisory Standards in SES {#section_or3_1kv_bhc .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Policy/topics/c_SES_GP_sesOverview.html",
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    {
      "id": "maps/SES/chapter/bizContent/SES_Policy/topics/c_SES_agency_LibraryMgt-1.md:chunk-0",
      "title": "Agency Library: Key Concepts, Features, and Management {#c_SES_agency_LibraryMgt .concept}",
      "content": "# Agency Library: Key Concepts, Features, and Management \n\nThis policy addresses the management of the State Examination System \\(SES\\) Library and defines the Library’s terminology and functionality.\n\nApproved 3/24/2020\n\nUpdated: 2/23/2024\n\nThe Library is a feature of SES designed to carry out two main functions in the system:\n\n1.  Maintain the core components of any exam program \\(e.g., information requests, procedures, and references\\) allowing users to easily access and use these materials while conducting a supervisory activity.\n2.  Automate the development of an exam record by allowing the system to retrieve \\(from the Library\\) and insert information requests and procedures applicable to the scope of the exam directly into an exam record.\n\nTo maximize the automation SES provides in the exam workflow, agency users must become familiar with the terminology and functionality of the Library. It is recommended that agencies appoint at least one agency representative to become familiar with the Library \\(a librarian of sorts\\), its components, and to become proficient in the regular maintenance of agency-specific Library items.\n\nOnly agency users and support users have access to the Library in SES. Company users cannot access the Library. To maximize the automation SES provides in the exam workflow, agency users must become familiar with the terminology and functionality of the Library. It is recommended that agencies appoint at least one agency representative to become familiar with the standard items \\(as defined below\\) in the Library and proficient in the creation and ongoing management of agency-specific Library items. The following sections define the terminology and functionality of the Library.\n\n## Library Components { .section}\n\nThe Library houses the following Library item types:\n\n-   Area for Review—A topic of regulatory review that can be used to define the scope of an examination or investigation. It assists in categorizing the Information Requests and",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Policy\\topics\\c_SES_agency_LibraryMgt-1.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Policy\\topics\\c_SES_agency_LibraryMgt-1.md",
      "headings": [
        "Agency Library: Key Concepts, Features, and Management {#c_SES_agency_LibraryMgt .concept}",
        "Library Components { .section}",
        "Standard vs. State-Specific Library IRs and Procedures {#section_obv_gbj_hsb .section}",
        "Important Library Labels {#section_u31_qb4_n1c .section}",
        "Guidelines for Agency Users {#section_en1_ddj_hsb .section}",
        "Additional Library Guidelines {#section_lc5_r24_n1c .section}",
        "Document Retention for the Library {#section_m5y_hdj_hsb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Policy/topics/c_SES_agency_LibraryMgt-1.html",
      "snippet": null
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    {
      "id": "maps/SES/chapter/bizContent/SES_Policy/topics/c_SES_agency_LibraryMgt-1.md:chunk-1",
      "title": "Agency Library: Key Concepts, Features, and Management {#c_SES_agency_LibraryMgt .concept}",
      "content": "g Library item types:\n\n-   Area for Review—A topic of regulatory review that can be used to define the scope of an examination or investigation. It assists in categorizing the Information Requests and Procedures in an examination. Areas for review are managed in the SES Library. See Managing the Library for more information.\n-   Procedures—Entries used to guide examiners during the examination in the review of company documentation or compliance with statutes, regulations, and other requirements. Procedures are managed in the SES Library. See Managing the Library for more information.\n-   Information Requests—Entries used to request information and documentation from a company for the examination. In SES, the IRs are divided into “standard” requests and “state-specific” requests. Information requests are managed in the SES Library. See Managing the Library for more information.\n-   References—Workpapers, templates, websites, and/or any other supplemental reference material that an agency may choose to use used to support the supervision process, and to better navigate SES. References are managed in the SES Library. See Managing the Library for more information.\n\nIn addition, the NMLS Business Activities are an important item of the SES Library structure. The NMLS Business Activities are generic, non-legal definitions of a financial services activity that reasonably describes the activity[^1]. They are categorized by product types \\(e.g., mortgage, consumer finance, debt\\). In SES, Business Activities assist with the mapping and categorization of the IRs and procedures housed in the Library.\n\n## Standard vs. State-Specific Library IRs and Procedures \n\nTwo Library components, the IRs and procedures, are furthered separated into two categories in the system 1\\) standard IRs and procedures, and 2\\) agency-specific IRs and procedures.\n\n-   Standard IRs and Procedures – These items are available in SES to facilitate the harmonization of exam activities among state agencie",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Policy\\topics\\c_SES_agency_LibraryMgt-1.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Policy\\topics\\c_SES_agency_LibraryMgt-1.md",
      "headings": [
        "Agency Library: Key Concepts, Features, and Management {#c_SES_agency_LibraryMgt .concept}",
        "Library Components { .section}",
        "Standard vs. State-Specific Library IRs and Procedures {#section_obv_gbj_hsb .section}",
        "Important Library Labels {#section_u31_qb4_n1c .section}",
        "Guidelines for Agency Users {#section_en1_ddj_hsb .section}",
        "Additional Library Guidelines {#section_lc5_r24_n1c .section}",
        "Document Retention for the Library {#section_m5y_hdj_hsb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Policy/topics/c_SES_agency_LibraryMgt-1.html",
      "snippet": null
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    {
      "id": "maps/SES/chapter/bizContent/SES_Policy/topics/c_SES_agency_LibraryMgt-1.md:chunk-2",
      "title": "Agency Library: Key Concepts, Features, and Management {#c_SES_agency_LibraryMgt .concept}",
      "content": "s and procedures, and 2\\) agency-specific IRs and procedures.\n\n-   Standard IRs and Procedures – These items are available in SES to facilitate the harmonization of exam activities among state agencies, by offering a uniform set of information requests and procedures for use by all state agency users. CSBS works and coordinates with its sister trade associations and agency working groups to implement, maintain, and update the standards in the system.[^2]\n    -   User Access:\n        -   Agency Users can review the standard information requests and procedures, but only CSBS staff can manage the standard library items \\(to edit, retire or updated them\\).\n        -   Company Users can review the standard information requests only via the SES QuickIR feature. They can respond to a standard IR and save it in QuickIR for future use in an exam. Company users cannot edit the IRs or see agency-specific items.\n-   Agency-Specific Library Items – Agencies can manage their own state-specific IRs, procedures, and references. These state-specific items should be unique or different from a standard library item, whereby the agency cannot rely solely on the standard.\n    -   User Access:\n        -   Currently, only the individual agency has the permission to add and manage agency-specific library items.\n        -   Other agencies can see the state-specific procedures and IRs.\n        -   Agency-specific references are not automatically accessible by other agency users. However, the agency has the option to share references with other agencies.\n        -   Company users cannot see agency-specific IRs, procedures, or references.\n\n## Important Library Labels \n\n1.  **Scope Type**\n\n    The scope type covers the ranges of reviews that will be conducted on the company. The standard scope types include the Full scope type and the Networked scope type. The standard information requests and procedures in the system are tagged under both scope types.\n\n    -   Full scope type. Used by an agenc",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Policy\\topics\\c_SES_agency_LibraryMgt-1.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Policy\\topics\\c_SES_agency_LibraryMgt-1.md",
      "headings": [
        "Agency Library: Key Concepts, Features, and Management {#c_SES_agency_LibraryMgt .concept}",
        "Library Components { .section}",
        "Standard vs. State-Specific Library IRs and Procedures {#section_obv_gbj_hsb .section}",
        "Important Library Labels {#section_u31_qb4_n1c .section}",
        "Guidelines for Agency Users {#section_en1_ddj_hsb .section}",
        "Additional Library Guidelines {#section_lc5_r24_n1c .section}",
        "Document Retention for the Library {#section_m5y_hdj_hsb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Policy/topics/c_SES_agency_LibraryMgt-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_Policy/topics/c_SES_agency_LibraryMgt-1.md:chunk-3",
      "title": "Agency Library: Key Concepts, Features, and Management {#c_SES_agency_LibraryMgt .concept}",
      "content": "s include the Full scope type and the Networked scope type. The standard information requests and procedures in the system are tagged under both scope types.\n\n    -   Full scope type. Used by an agency when conducting a complete examination on a company.\n    -   Networked scope type. Used by an agency when directly coordinating an examination in the system with another agency.\n    Other scope types remain undefined in the system to allow agencies the flexibility to use them when needed depending on their state-specific mandates and requirements.\n\n2.  **Core vs. Non-core Library Labels**\n\n    Core and non-core labels are attributes associated with information requests and procedures that control whether these items will be automatically retrieved from the library and inserted directly into an exam record given the exam’s business activities and scope selections.\n\n    -   The core designation can be applied to both standard and agency-specific procedures and information requests.\n\n        -   CSBS staff, with guidance from the appropriate governing bodies, manage the scope types for the standard IRs and procedures.\n        -   Agencies manage the scope types for their own state-specific library items.\n        Core Information Requests are automatically pulled on to an exam or investigation once scope is marked complete. Core procedures are automatically pulled on to an exam or investigation once the supervisory activity is moved to the “In-Flight” milestone. Attributes the system uses to make this determination:\n\n        -   Scope Type\n        -   Business Activities\n        -   AFR\n    -   Non-core Procedures and Non-core Information Requests will not be automatically added to an exam or investigation, but can be easily added if appropriate. Attributes the system uses to determine IRs and procedures available for quick add:\n\n        -   Scope Type\n        -   Business Activities\n        -   AFR\n\n## Guidelines for Agency Users \n\nAgency users will find numerous supervi",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Policy\\topics\\c_SES_agency_LibraryMgt-1.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Policy\\topics\\c_SES_agency_LibraryMgt-1.md",
      "headings": [
        "Agency Library: Key Concepts, Features, and Management {#c_SES_agency_LibraryMgt .concept}",
        "Library Components { .section}",
        "Standard vs. State-Specific Library IRs and Procedures {#section_obv_gbj_hsb .section}",
        "Important Library Labels {#section_u31_qb4_n1c .section}",
        "Guidelines for Agency Users {#section_en1_ddj_hsb .section}",
        "Additional Library Guidelines {#section_lc5_r24_n1c .section}",
        "Document Retention for the Library {#section_m5y_hdj_hsb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Policy/topics/c_SES_agency_LibraryMgt-1.html",
      "snippet": null
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    {
      "id": "maps/SES/chapter/bizContent/SES_Policy/topics/c_SES_agency_LibraryMgt-1.md:chunk-4",
      "title": "Agency Library: Key Concepts, Features, and Management {#c_SES_agency_LibraryMgt .concept}",
      "content": " determine IRs and procedures available for quick add:\n\n        -   Scope Type\n        -   Business Activities\n        -   AFR\n\n## Guidelines for Agency Users \n\nAgency users will find numerous supervision resources available to use in the system in the form of standard Library items. By making these resources available to all agency users there is an opportunity to cultivate harmonization and areas of uniformity throughout the state regulatory system.\n\nAgency users are strongly encouraged to use the standards wherever possible. State-specific items should be uploaded to the system with limited exceptions and should be regularly maintained by the state agency. Agency users should evaluate the standard information requests and procedures in the system to identify similarities to their agency’s template information request lists and procedures. To the extent a standard information request or procedure in SES is similar to what the agency is currently using, the agency should use the standard library item.\n\nIn the mortgage area, CSBS supports agencies’ assessments of state-specific IRs that are needed in SES before they are uploaded to the system \\(i.e., the filter process for mortgage state-specific IRs\\)[^3]. This process was implemented to avoid redundancies and duplications, and with the support of the SRR Board of Managers. Refer to Filter Process for State-specific Mortgage Information Requests for more information.\n\nBy leveraging the standard information requests and procedures across the agencies using SES, the companies being examined through the system will become familiar with these standard items over time and allowed to maximize the use of QuickIR. Creating this familiarity with the standards will produce consistent expectations for companies examined by multiple agencies through SES.\n\n## Additional Library Guidelines \n\n1.  If the agency determines that state-specific information requests are needed, agency users should avoid consolidating multiple requests",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Policy\\topics\\c_SES_agency_LibraryMgt-1.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Policy\\topics\\c_SES_agency_LibraryMgt-1.md",
      "headings": [
        "Agency Library: Key Concepts, Features, and Management {#c_SES_agency_LibraryMgt .concept}",
        "Library Components { .section}",
        "Standard vs. State-Specific Library IRs and Procedures {#section_obv_gbj_hsb .section}",
        "Important Library Labels {#section_u31_qb4_n1c .section}",
        "Guidelines for Agency Users {#section_en1_ddj_hsb .section}",
        "Additional Library Guidelines {#section_lc5_r24_n1c .section}",
        "Document Retention for the Library {#section_m5y_hdj_hsb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Policy/topics/c_SES_agency_LibraryMgt-1.html",
      "snippet": null
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    {
      "id": "maps/SES/chapter/bizContent/SES_Policy/topics/c_SES_agency_LibraryMgt-1.md:chunk-5",
      "title": "Agency Library: Key Concepts, Features, and Management {#c_SES_agency_LibraryMgt .concept}",
      "content": "le agencies through SES.\n\n## Additional Library Guidelines \n\n1.  If the agency determines that state-specific information requests are needed, agency users should avoid consolidating multiple requests for information into a single information request. This practice makes it challenging for the company user to respond as they have a single text box along with one area to upload documentation.\n2.  Agency users should never upload or include any confidential supervisory information to any library item.\n\n## Document Retention for the Library \n\nAll documents uploaded to the library will remain in the library until CSBS staff retires the standard, or an agency user retires a state-specific IR or procedure.\n\n**Parent topic:**Agency-specific Policies\n\n**Related information**  \n\nUnderstanding the Library\n\nManaging the Library\n\nViewing Items in the SES Library\n\nAdding a Procedure to the Library\n\nUpdating a Procedure in the Library\n\nDeleting a Procedure from the Library\n\nAdding an Information Request to the Library\n\nUpdating an Information Request in the Library\n\nDeleting an Information Request from the Library\n\nAdding a Reference to the Library\n\nUpdating a Reference in the Library\n\nDeactivating a Reference in the Library\n\n[^1]: See NMLS Business Activites Definitions.\n[^2]: Sister trade associations include but are not limited to the Money Transmitter Association, the Multistate Mortgage Committee, the National Association of Consumer Credit Administrators, and the North American Collection Agency Regulatory Association.\n[^3]: Currently, the filter process is applicable to mortgage state-specific IRs only.",
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      "headings": [
        "Agency Library: Key Concepts, Features, and Management {#c_SES_agency_LibraryMgt .concept}",
        "Library Components { .section}",
        "Standard vs. State-Specific Library IRs and Procedures {#section_obv_gbj_hsb .section}",
        "Important Library Labels {#section_u31_qb4_n1c .section}",
        "Guidelines for Agency Users {#section_en1_ddj_hsb .section}",
        "Additional Library Guidelines {#section_lc5_r24_n1c .section}",
        "Document Retention for the Library {#section_m5y_hdj_hsb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Policy/topics/c_SES_agency_LibraryMgt-1.html",
      "snippet": null
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      "id": "maps/SES/chapter/bizContent/SES_Policy/topics/c_SES_agency_LibraryMgt.md:chunk-0",
      "title": "Agency Library: Key Concepts, Features, and Management {#c_SES_agency_LibraryMgt .concept}",
      "content": "# Agency Library: Key Concepts, Features, and Management \n\nThis policy addresses the management of the State Examination System \\(SES\\) Library and defines the Library’s terminology and functionality.\n\nApproved 3/24/2020\n\nUpdated: 2/23/2024\n\nThe Library is a feature of SES designed to carry out two main functions in the system:\n\n1.  Maintain the core components of any exam program \\(e.g., information requests, procedures, and references\\) allowing users to easily access and use these materials while conducting a supervisory activity.\n2.  Automate the development of an exam record by allowing the system to retrieve \\(from the Library\\) and insert information requests and procedures applicable to the scope of the exam directly into an exam record.\n\nTo maximize the automation SES provides in the exam workflow, agency users must become familiar with the terminology and functionality of the Library. It is recommended that agencies appoint at least one agency representative to become familiar with the Library \\(a librarian of sorts\\), its components, and to become proficient in the regular maintenance of agency-specific Library items.\n\nOnly agency users and support users have access to the Library in SES. Company users cannot access the Library. To maximize the automation SES provides in the exam workflow, agency users must become familiar with the terminology and functionality of the Library. It is recommended that agencies appoint at least one agency representative to become familiar with the standard items \\(as defined below\\) in the Library and proficient in the creation and ongoing management of agency-specific Library items. The following sections define the terminology and functionality of the Library.\n\n## Library Components { .section}\n\nThe Library houses the following Library item types:\n\n-   Area for Review—A topic of regulatory review that can be used to define the scope of an examination or investigation. It assists in categorizing the Information Requests and",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Policy\\topics\\c_SES_agency_LibraryMgt.md",
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      "headings": [
        "Agency Library: Key Concepts, Features, and Management {#c_SES_agency_LibraryMgt .concept}",
        "Library Components { .section}",
        "Standard vs. State-Specific Library IRs and Procedures {#section_obv_gbj_hsb .section}",
        "Important Library Labels {#section_u31_qb4_n1c .section}",
        "Guidelines for Agency Users {#section_en1_ddj_hsb .section}",
        "Additional Library Guidelines {#section_lc5_r24_n1c .section}",
        "Document Retention for the Library {#section_m5y_hdj_hsb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Policy/topics/c_SES_agency_LibraryMgt.html",
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      "id": "maps/SES/chapter/bizContent/SES_Policy/topics/c_SES_agency_LibraryMgt.md:chunk-1",
      "title": "Agency Library: Key Concepts, Features, and Management {#c_SES_agency_LibraryMgt .concept}",
      "content": "g Library item types:\n\n-   Area for Review—A topic of regulatory review that can be used to define the scope of an examination or investigation. It assists in categorizing the Information Requests and Procedures in an examination. Areas for review are managed in the SES Library. See Managing the Library for more information.\n-   Procedures—Entries used to guide examiners during the examination in the review of company documentation or compliance with statutes, regulations, and other requirements. Procedures are managed in the SES Library. See Managing the Library for more information.\n-   Information Requests—Entries used to request information and documentation from a company for the examination. In SES, the IRs are divided into “standard” requests and “state-specific” requests. Information requests are managed in the SES Library. See Managing the Library for more information.\n-   References—Workpapers, templates, websites, and/or any other supplemental reference material that an agency may choose to use used to support the supervision process, and to better navigate SES. References are managed in the SES Library. See Managing the Library for more information.\n\nIn addition, the NMLS Business Activities are an important item of the SES Library structure. The NMLS Business Activities are generic, non-legal definitions of a financial services activity that reasonably describes the activity[^1]. They are categorized by product types \\(e.g., mortgage, consumer finance, debt\\). In SES, Business Activities assist with the mapping and categorization of the IRs and procedures housed in the Library.\n\n## Standard vs. State-Specific Library IRs and Procedures \n\nTwo Library components, the IRs and procedures, are furthered separated into two categories in the system 1\\) standard IRs and procedures, and 2\\) agency-specific IRs and procedures.\n\n-   Standard IRs and Procedures – These items are available in SES to facilitate the harmonization of exam activities among state agencie",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Policy\\topics\\c_SES_agency_LibraryMgt.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Policy\\topics\\c_SES_agency_LibraryMgt.md",
      "headings": [
        "Agency Library: Key Concepts, Features, and Management {#c_SES_agency_LibraryMgt .concept}",
        "Library Components { .section}",
        "Standard vs. State-Specific Library IRs and Procedures {#section_obv_gbj_hsb .section}",
        "Important Library Labels {#section_u31_qb4_n1c .section}",
        "Guidelines for Agency Users {#section_en1_ddj_hsb .section}",
        "Additional Library Guidelines {#section_lc5_r24_n1c .section}",
        "Document Retention for the Library {#section_m5y_hdj_hsb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Policy/topics/c_SES_agency_LibraryMgt.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_Policy/topics/c_SES_agency_LibraryMgt.md:chunk-2",
      "title": "Agency Library: Key Concepts, Features, and Management {#c_SES_agency_LibraryMgt .concept}",
      "content": "s and procedures, and 2\\) agency-specific IRs and procedures.\n\n-   Standard IRs and Procedures – These items are available in SES to facilitate the harmonization of exam activities among state agencies, by offering a uniform set of information requests and procedures for use by all state agency users. CSBS works and coordinates with its sister trade associations and agency working groups to implement, maintain, and update the standards in the system.[^2]\n    -   User Access:\n        -   Agency Users can review the standard information requests and procedures, but only CSBS staff can manage the standard library items \\(to edit, retire or updated them\\).\n        -   Company Users can review the standard information requests only via the SES QuickIR feature. They can respond to a standard IR and save it in QuickIR for future use in an exam. Company users cannot edit the IRs or see agency-specific items.\n-   Agency-Specific Library Items – Agencies can manage their own state-specific IRs, procedures, and references. These state-specific items should be unique or different from a standard library item, whereby the agency cannot rely solely on the standard.\n    -   User Access:\n        -   Currently, only the individual agency has the permission to add and manage agency-specific library items.\n        -   Other agencies can see the state-specific procedures and IRs.\n        -   Agency-specific references are not automatically accessible by other agency users. However, the agency has the option to share references with other agencies.\n        -   Company users cannot see agency-specific IRs, procedures, or references.\n\n## Important Library Labels \n\n1.  **Scope Type**\n\n    The scope type covers the ranges of reviews that will be conducted on the company. The standard scope types include the Full scope type and the Networked scope type. The standard information requests and procedures in the system are tagged under both scope types.\n\n    -   Full scope type. Used by an agenc",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Policy\\topics\\c_SES_agency_LibraryMgt.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Policy\\topics\\c_SES_agency_LibraryMgt.md",
      "headings": [
        "Agency Library: Key Concepts, Features, and Management {#c_SES_agency_LibraryMgt .concept}",
        "Library Components { .section}",
        "Standard vs. State-Specific Library IRs and Procedures {#section_obv_gbj_hsb .section}",
        "Important Library Labels {#section_u31_qb4_n1c .section}",
        "Guidelines for Agency Users {#section_en1_ddj_hsb .section}",
        "Additional Library Guidelines {#section_lc5_r24_n1c .section}",
        "Document Retention for the Library {#section_m5y_hdj_hsb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Policy/topics/c_SES_agency_LibraryMgt.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_Policy/topics/c_SES_agency_LibraryMgt.md:chunk-3",
      "title": "Agency Library: Key Concepts, Features, and Management {#c_SES_agency_LibraryMgt .concept}",
      "content": "s include the Full scope type and the Networked scope type. The standard information requests and procedures in the system are tagged under both scope types.\n\n    -   Full scope type. Used by an agency when conducting a complete examination on a company.\n    -   Networked scope type. Used by an agency when directly coordinating an examination in the system with another agency.\n    Other scope types remain undefined in the system to allow agencies the flexibility to use them when needed depending on their state-specific mandates and requirements.\n\n2.  **Core vs. Non-core Library Labels**\n\n    Core and non-core labels are attributes associated with information requests and procedures that control whether these items will be automatically retrieved from the library and inserted directly into an exam record given the exam’s business activities and scope selections.\n\n    -   The core designation can be applied to both standard and agency-specific procedures and information requests.\n\n        -   CSBS staff, with guidance from the appropriate governing bodies, manage the scope types for the standard IRs and procedures.\n        -   Agencies manage the scope types for their own state-specific library items.\n        Core Information Requests are automatically pulled on to an exam or investigation once scope is marked complete. Core procedures are automatically pulled on to an exam or investigation once the supervisory activity is moved to the “In-Flight” milestone. Attributes the system uses to make this determination:\n\n        -   Scope Type\n        -   Business Activities\n        -   AFR\n    -   Non-core Procedures and Non-core Information Requests will not be automatically added to an exam or investigation, but can be easily added if appropriate. Attributes the system uses to determine IRs and procedures available for quick add:\n\n        -   Scope Type\n        -   Business Activities\n        -   AFR\n\n## Guidelines for Agency Users \n\nAgency users will find numerous supervi",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Policy\\topics\\c_SES_agency_LibraryMgt.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Policy\\topics\\c_SES_agency_LibraryMgt.md",
      "headings": [
        "Agency Library: Key Concepts, Features, and Management {#c_SES_agency_LibraryMgt .concept}",
        "Library Components { .section}",
        "Standard vs. State-Specific Library IRs and Procedures {#section_obv_gbj_hsb .section}",
        "Important Library Labels {#section_u31_qb4_n1c .section}",
        "Guidelines for Agency Users {#section_en1_ddj_hsb .section}",
        "Additional Library Guidelines {#section_lc5_r24_n1c .section}",
        "Document Retention for the Library {#section_m5y_hdj_hsb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Policy/topics/c_SES_agency_LibraryMgt.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_Policy/topics/c_SES_agency_LibraryMgt.md:chunk-4",
      "title": "Agency Library: Key Concepts, Features, and Management {#c_SES_agency_LibraryMgt .concept}",
      "content": " determine IRs and procedures available for quick add:\n\n        -   Scope Type\n        -   Business Activities\n        -   AFR\n\n## Guidelines for Agency Users \n\nAgency users will find numerous supervision resources available to use in the system in the form of standard Library items. By making these resources available to all agency users there is an opportunity to cultivate harmonization and areas of uniformity throughout the state regulatory system.\n\nAgency users are strongly encouraged to use the standards wherever possible. State-specific items should be uploaded to the system with limited exceptions and should be regularly maintained by the state agency. Agency users should evaluate the standard information requests and procedures in the system to identify similarities to their agency’s template information request lists and procedures. To the extent a standard information request or procedure in SES is similar to what the agency is currently using, the agency should use the standard library item.\n\nIn the mortgage area, CSBS supports agencies’ assessments of state-specific IRs that are needed in SES before they are uploaded to the system \\(i.e., the filter process for mortgage state-specific IRs\\)[^3]. This process was implemented to avoid redundancies and duplications, and with the support of the SRR Board of Managers. Refer to Filter Process for State-specific Mortgage Information Requests for more information.\n\nBy leveraging the standard information requests and procedures across the agencies using SES, the companies being examined through the system will become familiar with these standard items over time and allowed to maximize the use of QuickIR. Creating this familiarity with the standards will produce consistent expectations for companies examined by multiple agencies through SES.\n\n## Additional Library Guidelines \n\n1.  If the agency determines that state-specific information requests are needed, agency users should avoid consolidating multiple requests",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Policy\\topics\\c_SES_agency_LibraryMgt.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Policy\\topics\\c_SES_agency_LibraryMgt.md",
      "headings": [
        "Agency Library: Key Concepts, Features, and Management {#c_SES_agency_LibraryMgt .concept}",
        "Library Components { .section}",
        "Standard vs. State-Specific Library IRs and Procedures {#section_obv_gbj_hsb .section}",
        "Important Library Labels {#section_u31_qb4_n1c .section}",
        "Guidelines for Agency Users {#section_en1_ddj_hsb .section}",
        "Additional Library Guidelines {#section_lc5_r24_n1c .section}",
        "Document Retention for the Library {#section_m5y_hdj_hsb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Policy/topics/c_SES_agency_LibraryMgt.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_Policy/topics/c_SES_agency_LibraryMgt.md:chunk-5",
      "title": "Agency Library: Key Concepts, Features, and Management {#c_SES_agency_LibraryMgt .concept}",
      "content": "le agencies through SES.\n\n## Additional Library Guidelines \n\n1.  If the agency determines that state-specific information requests are needed, agency users should avoid consolidating multiple requests for information into a single information request. This practice makes it challenging for the company user to respond as they have a single text box along with one area to upload documentation.\n2.  Agency users should never upload or include any confidential supervisory information to any library item.\n\n## Document Retention for the Library \n\nAll documents uploaded to the library will remain in the library until CSBS staff retires the standard, or an agency user retires a state-specific IR or procedure.\n\n[^1]: See NMLS Business Activites Definitions.\n[^2]: Sister trade associations include but are not limited to the Money Transmitter Association, the Multistate Mortgage Committee, the National Association of Consumer Credit Administrators, and the North American Collection Agency Regulatory Association.\n[^3]: Currently, the filter process is applicable to mortgage state-specific IRs only.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Policy\\topics\\c_SES_agency_LibraryMgt.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Policy\\topics\\c_SES_agency_LibraryMgt.md",
      "headings": [
        "Agency Library: Key Concepts, Features, and Management {#c_SES_agency_LibraryMgt .concept}",
        "Library Components { .section}",
        "Standard vs. State-Specific Library IRs and Procedures {#section_obv_gbj_hsb .section}",
        "Important Library Labels {#section_u31_qb4_n1c .section}",
        "Guidelines for Agency Users {#section_en1_ddj_hsb .section}",
        "Additional Library Guidelines {#section_lc5_r24_n1c .section}",
        "Document Retention for the Library {#section_m5y_hdj_hsb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Policy/topics/c_SES_agency_LibraryMgt.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_Policy/topics/c_SES_agency_eligibilityForSESonboarding.md:chunk-0",
      "title": "Agency Eligibility for SES Onboarding {#xd_e43ac86fb30b15b2--45250d66-186fa38e684--7ffd .concept}",
      "content": "# Agency Eligibility for SES Onboarding \n\nThis policy governs the eligibility requirements that state agencies must meet prior to being onboarded to the State Examination System \\(“SES” or “System”\\) for the supervision of financial services companies.\n\nApproved 3/14/2023\n\n## Background \n\nSES is part of NMLS and serves as its supervision tool. Therefore, users of SES --states agencies and companies -- must first participate or be in NMLS to be eligible to be onboarded or enrolled in SES.\n\nSee Eligibility for Company Enrollment in SES for more information about company eligibility in SES.\n\n## Policy Provisions \n\nThe minimum requirement that a state agency must meet prior to being onboarded to SES is as follows:\n\n1.  The agency must participate in the Nationwide Multistate Licensing System and Registry \\(NMLS\\)\n\nThe agency must use NMLS for the licensure or registration of at least one license type.\n\nIt is under the state agency’s discretion to determine whether it has the specific authority and established regulatory tools to participate in NMLS as a licensing and/or registration system for the financial services industry other than the mortgage industry. Once the agency completes the minimum requirements to participate in NMLS for either licensing or registration, the agency will become eligible for onboarding to SES.\n\nWhen the agency is onboarded to SES, it will not be limited to conducting examinations only on the license or registration that is in NMLS. The agency will be able to examine, investigate, or process a consumer complaint on any company that is enrolled in SES \\(regardless of whether the license or registration is on NMLS\\), or that meets the System’s company eligibility requirements for system enrollment. The agency will also be able to coordinate multistate examinations with other agencies in the System, and other networked supervision activities.\n\n**Parent topic:**Agency-specific Policies",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Policy\\topics\\c_SES_agency_eligibilityForSESonboarding.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Policy\\topics\\c_SES_agency_eligibilityForSESonboarding.md",
      "headings": [
        "Agency Eligibility for SES Onboarding {#xd_e43ac86fb30b15b2--45250d66-186fa38e684--7ffd .concept}",
        "Background {#section_q4x_h5s_wwb .section}",
        "Policy Provisions {#section_obv_gbj_hsb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Policy/topics/c_SES_agency_eligibilityForSESonboarding.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_Policy/topics/c_SES_agency_userMaintenanceOfActivitiesInSES.md:chunk-0",
      "title": "Agency User Maintenance of Activities in SES {#xd_e43ac86fb30b15b2--45250d66-186fa38e684--7ffc .concept}",
      "content": "# Agency User Maintenance of Activities in SES \n\nThis policy addresses agency users’ responsibility to regularly maintain and update their Supervisory Activities \\(SAs\\) and Complaints in the system.\n\nApproved 3/14/2023\n\n## Background \n\nAgency users are not restricted with regard to the number of examinations, investigations or complaints that can be initiated in SES. As the SA or complaint progresses in the system, it automatically reaches different milestones and statuses. However, to close or cancel SAs or complaints, the agency must go in the system and select the appropriate action. It is up to each agency to determine when to perform these actions in the system.\n\nFailing to regularly maintain SAs or complaints in the system and to keep them up to date precludes agencies from efficiently engaging in networked supervision activities in the system. It also skews the statistical data that is shared with system users and other stakeholders, as there may be less examinations or complaints being conducted in the system that were not appropriately canceled.\n\n## Policy Provisions \n\nAgencies must regularly maintain the SAs and complaints they initiate or lead in the system. This includes the prompt closure of an examination or investigation when it concludes, the prompt closure of a complaint when it is resolved, and the prompt cancelation of these listed activities should the agency determine that they will not go forward in the system.\n\nAgencies should, on a regular basis, manage their SAs and complaints, and ensure that the system is appropriately reflecting the most recent status of such activities.\n\nUnder no circumstance should a SA or complaint remain open in SES without a justifiable reason. As a best practice, agencies should conduct a holistic review of their SAs and complaints in SES at least twice a year and close or cancel activities where appropriate.\n\n**Parent topic:**Agency-specific Policies",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Policy\\topics\\c_SES_agency_userMaintenanceOfActivitiesInSES.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Policy\\topics\\c_SES_agency_userMaintenanceOfActivitiesInSES.md",
      "headings": [
        "Agency User Maintenance of Activities in SES {#xd_e43ac86fb30b15b2--45250d66-186fa38e684--7ffc .concept}",
        "Background {#section_q4x_h5s_wwb .section}",
        "Policy Provisions {#section_obv_gbj_hsb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Policy/topics/c_SES_agency_userMaintenanceOfActivitiesInSES.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_Policy/topics/c_SES_policies.md:chunk-0",
      "title": "SES Policies {#c_SES_policies .concept}",
      "content": "# SES Policies \n\nState Examination System Policy Guide\n\n-   **General Policies**  \nState Examination System General Policies.\n-   **Agency-specific Policies**  \nSES Policies for state regulatory agencies.\n-   **Company-specific Policies**  \nSES Policies for companies.\n\n**Related information**  \n\nGeneral Policies\n\nAgency-specific Policies\n\nCompany-specific Policies",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Policy\\topics\\c_SES_policies.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Policy\\topics\\c_SES_policies.md",
      "headings": [
        "SES Policies {#c_SES_policies .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Policy/topics/c_SES_policies.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_Policy/topics/c_agencyPolicies.md:chunk-0",
      "title": "Agency-specific Policies {#c_agencyPolicies .concept}",
      "content": "# Agency-specific Policies \n\nSES Policies for state regulatory agencies.\n\n-   **Agency Library: Key Concepts, Features, and Management**  \nThis policy addresses the management of the State Examination System \\(SES\\) Library and defines the Library’s terminology and functionality.\n-   **Agency Eligibility for SES Onboarding**  \nThis policy governs the eligibility requirements that state agencies must meet prior to being onboarded to the State Examination System \\(“SES” or “System”\\) for the supervision of financial services companies.\n-   **Agency User Maintenance of Activities in SES**  \nThis policy addresses agency users’ responsibility to regularly maintain and update their Supervisory Activities \\(SAs\\) and Complaints in the system.\n\n**Parent topic:**SES Policies",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Policy\\topics\\c_agencyPolicies.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Policy\\topics\\c_agencyPolicies.md",
      "headings": [
        "Agency-specific Policies {#c_agencyPolicies .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Policy/topics/c_agencyPolicies.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_Policy/topics/c_companyPolicies.md:chunk-0",
      "title": "Company-specific Policies {#c_companyPolicies .concept}",
      "content": "# Company-specific Policies \n\nSES Policies for companies.\n\n-   **Company Enrollment**  \nThis policy addresses the process for a company to get access to SES and the role of state agency users in this process. In order to initiate a supervisory activity or complaint in the system, the company must be enrolled in the SES environment by a state agency.\n-   **System Third-Party Users**  \nThe State Examination System \\(SES\\) offers enrolled companies the opportunity, if feasible, to receive external assistance during an examination or investigation \\(i.e., Supervisory Activity or SA\\) through its Third Party User functionality \\(or “TPU functionality\"\\).\n\n**Parent topic:**SES Policies",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Policy\\topics\\c_companyPolicies.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Policy\\topics\\c_companyPolicies.md",
      "headings": [
        "Company-specific Policies {#c_companyPolicies .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Policy/topics/c_companyPolicies.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_Policy/topics/c_generalPolicies.md:chunk-0",
      "title": "General Policies {#c_generalPoilicies .concept}",
      "content": "# General Policies \n\nState Examination System General Policies.\n\n-   **SES Functionality Overview**  \nSES policy on the core functionalities of the system.\n-   **Eligibility for Company Enrollment in SES**  \nThis policy governs the companies that are eligible to participate in supervisory activities in State Examination System.\n-   **Definitions of Findings and Alleged Violations**  \nThis policy defines the finding types in the system, and the term “alleged violation.\"\n-   **Document Upload**  \nIn support of the supervision process, the State Examination System \\(SES\\) allows both agency and company users to upload documents.\n-   **SES Record Retention Policy**  \nThis policy addresses the retention and disposal of documents and data in the State Examination System. System users will be made aware of this policy during their initial onboarding.\n\n**Parent topic:**SES Policies",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_Policy\\topics\\c_generalPolicies.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_Policy\\topics\\c_generalPolicies.md",
      "headings": [
        "General Policies {#c_generalPoilicies .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_Policy/topics/c_generalPolicies.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_training/topics/SES_SA_agencyTraining_sharedTopic-1.md:chunk-0",
      "title": "Training for EICs/Examiners​/Reviewers/Staff Users {#xd_8263018a37aa41f1-16a718b8-1868f051c4c--7ff6 .concept}",
      "content": "# Training for EICs/Examiners​/Reviewers/Staff Users \n\nThis self-paced program teaches users how perform the Examiner In Charge \\(EIC\\), Examiner, Examiner Reviewer, or Staff User role in SES. Complete each step listed here to successfully earn your Certificate of Training Completion. ​\n\nTotal Program Time: 21 hours​\n\n## Step 1: Watch the Kick-off Video \n\nThis 17-minute video guides you through the steps for completing the Examiner In Charge \\(EIC\\), Examiner, Examiner Reviewer, or Staff User training program, including an overview of SES and tips for overcoming common challenges. \\*Highly recommended\\*​\n\n## Step 2: Complete the Your Turn Exercises in the SES Training Environment \n\nThe best way to learn how to use SES is to try it yourself! The purpose of the practice exercises \\(called Your Turn Exercises\\) is to provide you that hands-on experience. To get started:​\n\n-   Access the Your Turn Exercises; and​\n-   Locate the training logins for your state agency.\n\nOnce you’re ready, access the SES Training Environment to begin.\n\n## Step 3: Complete the Knowledge Checks \n\nIn addition to the practice exercises, we offer knowledge check quizzes to help you test \\(and reinforce\\) your knowledge of SES. We recommend you complete the knowledge checks as you complete the Your Turn Exercises \\(rather than waiting until the end\\).​\n\nTo access the knowledge checks, self-enroll into the SES Examiner in Charge, Examiner, Reviewer, and Staff UserTraining course in FLEX.\n\n**Note:** You must first be logged into Okta®, our single sign on \\(SSO\\) and multifactor authentication \\(MFA\\) tool, to access FLEX. If you do not have an Okta® account or have trouble logging in, contact the RUG team.\n\n## Step 4: Submit Certificate of Completion \n\nOnce the above activities are completed, download your Certificate of Completion from FLEX and send a copy to the SES Account Administrator at your agency.\n\n**Note:** Any agency user may not receive access to the SES production environment until they",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_training\\topics\\SES_SA_agencyTraining_sharedTopic-1.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_training\\topics\\SES_SA_agencyTraining_sharedTopic-1.md",
      "headings": [
        "Training for EICs/Examiners​/Reviewers/Staff Users {#xd_8263018a37aa41f1-16a718b8-1868f051c4c--7ff6 .concept}",
        "Step 1: Watch the Kick-off Video {#section_xr1_qcl_rwb .section}",
        "Step 2: Complete the Your Turn Exercises in the SES Training Environment {#section_pxy_n3m_rwb .section}",
        "Step 3: Complete the Knowledge Checks {#section_ryy_n3m_rwb .section}",
        "Step 4: Submit Certificate of Completion {#section_qzy_n3m_rwb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_training/topics/SES_SA_agencyTraining_sharedTopic-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_training/topics/SES_SA_agencyTraining_sharedTopic-1.md:chunk-1",
      "title": "Training for EICs/Examiners​/Reviewers/Staff Users {#xd_8263018a37aa41f1-16a718b8-1868f051c4c--7ff6 .concept}",
      "content": "your Certificate of Completion from FLEX and send a copy to the SES Account Administrator at your agency.\n\n**Note:** Any agency user may not receive access to the SES production environment until they have successfully completed and shared the Certificate of Completion for their respective training program with their agency’s SES Account Administrator.\n\n**Parent topic:**SES Supervisory Activity Training",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_training\\topics\\SES_SA_agencyTraining_sharedTopic-1.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_training\\topics\\SES_SA_agencyTraining_sharedTopic-1.md",
      "headings": [
        "Training for EICs/Examiners​/Reviewers/Staff Users {#xd_8263018a37aa41f1-16a718b8-1868f051c4c--7ff6 .concept}",
        "Step 1: Watch the Kick-off Video {#section_xr1_qcl_rwb .section}",
        "Step 2: Complete the Your Turn Exercises in the SES Training Environment {#section_pxy_n3m_rwb .section}",
        "Step 3: Complete the Knowledge Checks {#section_ryy_n3m_rwb .section}",
        "Step 4: Submit Certificate of Completion {#section_qzy_n3m_rwb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_training/topics/SES_SA_agencyTraining_sharedTopic-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_training/topics/SES_SA_agencyTraining_sharedTopic-2.md:chunk-0",
      "title": "Training for Staff Directors {#xd_8263018a37aa41f1-16a718b8-1868f051c4c--7ff6 .concept}",
      "content": "# Training for Staff Directors \n\nThis self-paced program teaches users how perform the Staff Director role in SES. Complete each step listed here to successfully earn your Certificate of Training Completion. ​\n\nTotal Program Time: 7 hours​\n\n## Step 1: Watch the Kick-off Video \n\nThis 20-minute video guides you through the steps for completing the Staff Director training program, including an overview of SES and tips for overcoming common challenges. \\*Highly recommended\\*​\n\n## Step 2: Complete the Your Turn Exercises in the SES Training Environment \n\nThe best way to learn how to use SES is to try it yourself! The purpose of the practice exercises \\(called Your Turn Exercises\\) is to provide you that hands-on experience. To get started:​\n\n-   Access the Your Turn Exercises; and​\n-   Locate the training logins for your state agency.\n\nOnce you’re ready, access the SES Training Environment to begin.\n\n## Step 3: Complete the Knowledge Checks \n\nIn addition to the practice exercises, we offer knowledge check quizzes to help you test \\(and reinforce\\) your knowledge of SES. We recommend you complete the knowledge checks as you complete the Your Turn Exercises \\(rather than waiting until the end\\).​\n\nTo access the knowledge checks, self-enroll into the SES Staff Director Training course in FLEX.\n\n**Note:** You must first be logged into Okta®, our single sign on \\(SSO\\) and multifactor authentication \\(MFA\\) tool, to access FLEX. If you do not have an Okta® account or have trouble logging in, contact the RUG team.\n\n## Step 4: Submit Certificate of Completion \n\nOnce the above activities are completed, download your Certificate of Completion from FLEX and send a copy to the SES Account Administrator at your agency.\n\n**Note:** Any agency user may not receive access to the SES production environment until they have successfully completed and shared the Certificate of Completion for their respective training program with their agency’s SES Account Administrator.\n\n**Parent topic:**S",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_training\\topics\\SES_SA_agencyTraining_sharedTopic-2.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_training\\topics\\SES_SA_agencyTraining_sharedTopic-2.md",
      "headings": [
        "Training for Staff Directors {#xd_8263018a37aa41f1-16a718b8-1868f051c4c--7ff6 .concept}",
        "Step 1: Watch the Kick-off Video {#section_xr1_qcl_rwb .section}",
        "Step 2: Complete the Your Turn Exercises in the SES Training Environment {#section_pxy_n3m_rwb .section}",
        "Step 3: Complete the Knowledge Checks {#section_ryy_n3m_rwb .section}",
        "Step 4: Submit Certificate of Completion {#section_qzy_n3m_rwb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_training/topics/SES_SA_agencyTraining_sharedTopic-2.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_training/topics/SES_SA_agencyTraining_sharedTopic-2.md:chunk-1",
      "title": "Training for Staff Directors {#xd_8263018a37aa41f1-16a718b8-1868f051c4c--7ff6 .concept}",
      "content": "ion environment until they have successfully completed and shared the Certificate of Completion for their respective training program with their agency’s SES Account Administrator.\n\n**Parent topic:**SES Supervisory Activity Training",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_training\\topics\\SES_SA_agencyTraining_sharedTopic-2.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_training\\topics\\SES_SA_agencyTraining_sharedTopic-2.md",
      "headings": [
        "Training for Staff Directors {#xd_8263018a37aa41f1-16a718b8-1868f051c4c--7ff6 .concept}",
        "Step 1: Watch the Kick-off Video {#section_xr1_qcl_rwb .section}",
        "Step 2: Complete the Your Turn Exercises in the SES Training Environment {#section_pxy_n3m_rwb .section}",
        "Step 3: Complete the Knowledge Checks {#section_ryy_n3m_rwb .section}",
        "Step 4: Submit Certificate of Completion {#section_qzy_n3m_rwb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_training/topics/SES_SA_agencyTraining_sharedTopic-2.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_training/topics/SES_SA_agencyTraining_sharedTopic.md:chunk-0",
      "title": "Training for Account Administrators {#xd_8263018a37aa41f1-16a718b8-1868f051c4c--7ff6 .concept}",
      "content": "# Training for Account Administrators \n\nThis self-paced program teaches users how perform the Account Administrator \\(AA\\) role in SES. Complete each step listed here to successfully earn your Certificate of Training Completion. ​\n\nTotal Program Time: 2 hours​\n\n## Step 1: Watch the Kick-off Video \n\nThis 12-minute video guides you through the steps for completing the Account Administrator \\(AA\\) training program, including an overview of SES and tips for overcoming common challenges. \\*Highly recommended\\*​\n\n## Step 2: Complete the Your Turn Exercises in the SES Training Environment \n\nThe best way to learn how to use SES is to try it yourself! The purpose of the practice exercises \\(called Your Turn Exercises\\) is to provide you that hands-on experience. To get started:​\n\n-   Access the Your Turn Exercises; and​\n-   Locate the training logins for your state agency.\n\nOnce you’re ready, access the SES Training Environment to begin.\n\n## Step 3: Complete the Knowledge Checks \n\nIn addition to the practice exercises, we offer knowledge check quizzes to help you test \\(and reinforce\\) your knowledge of SES. We recommend you complete the knowledge checks as you complete the Your Turn Exercises \\(rather than waiting until the end\\).​\n\nTo access the knowledge checks, self-enroll into the SES Account Administrator Training course in FLEX.\n\n**Note:** You must first be logged into Okta®, our single sign on \\(SSO\\) and multifactor authentication \\(MFA\\) tool, to access FLEX. If you do not have an Okta® account or have trouble logging in, contact the RUG team.\n\n## Step 4: Submit Certificate of Completion \n\nOnce the above activities are completed, download your Certificate of Completion from FLEX and send a copy to the SES Account Administrator at your agency.\n\n**Note:** Any agency user may not receive access to the SES production environment until they have successfully completed and shared the Certificate of Completion for their respective training program with their agency’s SES ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_training\\topics\\SES_SA_agencyTraining_sharedTopic.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_training\\topics\\SES_SA_agencyTraining_sharedTopic.md",
      "headings": [
        "Training for Account Administrators {#xd_8263018a37aa41f1-16a718b8-1868f051c4c--7ff6 .concept}",
        "Step 1: Watch the Kick-off Video {#section_xr1_qcl_rwb .section}",
        "Step 2: Complete the Your Turn Exercises in the SES Training Environment {#section_pxy_n3m_rwb .section}",
        "Step 3: Complete the Knowledge Checks {#section_ryy_n3m_rwb .section}",
        "Step 4: Submit Certificate of Completion {#section_qzy_n3m_rwb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_training/topics/SES_SA_agencyTraining_sharedTopic.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_training/topics/SES_SA_agencyTraining_sharedTopic.md:chunk-1",
      "title": "Training for Account Administrators {#xd_8263018a37aa41f1-16a718b8-1868f051c4c--7ff6 .concept}",
      "content": " may not receive access to the SES production environment until they have successfully completed and shared the Certificate of Completion for their respective training program with their agency’s SES Account Administrator.\n\n**Parent topic:**SES Supervisory Activity Training",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_training\\topics\\SES_SA_agencyTraining_sharedTopic.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_training\\topics\\SES_SA_agencyTraining_sharedTopic.md",
      "headings": [
        "Training for Account Administrators {#xd_8263018a37aa41f1-16a718b8-1868f051c4c--7ff6 .concept}",
        "Step 1: Watch the Kick-off Video {#section_xr1_qcl_rwb .section}",
        "Step 2: Complete the Your Turn Exercises in the SES Training Environment {#section_pxy_n3m_rwb .section}",
        "Step 3: Complete the Knowledge Checks {#section_ryy_n3m_rwb .section}",
        "Step 4: Submit Certificate of Completion {#section_qzy_n3m_rwb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_training/topics/SES_SA_agencyTraining_sharedTopic.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_training/topics/SES_agency_SA_training.md:chunk-0",
      "title": "SES Supervisory Activity Training {#xd_8263018a37aa41f1-16a718b8-1868f051c4c--7ff7 .concept}",
      "content": "# SES Supervisory Activity Training \n\nThis program teaches users how to use the Supervisory Activity functionality in the State Examination System \\(SES\\), an online tool that facilitates supervisory processes between state agencies and companies.​\n\n## Available Programs \n\nThere are currently three different training programs based on system user roles:​\n\n1.  Account Administrators\n2.  EICs/Examiners​/Reviewers/Staff Users\n3.  Staff Directors\n\nEach program contains: ​\n\n-   A kick-off video explaining how to complete the training program;​\n-   A list of practice exercises to complete in the SES Training Environment; and ​\n-   Knowledge check questions to complete in FLEX, our learning management system. ​\n\n## Program System Information \n\n*SSO* uses Okta, a single sign-on service, to allow users access to all Okta-integrated CSBS applications through a secure homepage with a single password. Other Okta-integrated CSBS applications include the following:​\n\n*FLEX* is our Learning Management System that hosts all of our training materials and is accessible through SSO.​\n\n*SES Training Environment* is used by learners to practice system functionality. It offers users an opportunity to experience the features available in SES using fictitious data to mock-up real-world scenarios. This type of practice prepares the users with hands-on experience before they begin using the real SES environment. Usernames and passwords for accounts to the training environment are available for each agency to use whenever needed - whether you are trying SES out for the first time or learning about the latest system updates.​\n\n## Program Enrollment \n\nWe recommend you complete the training program that corresponds with the user role\\(s\\) you will have in the SES production environment. Select the appropriate program from the list below for the steps to self-enroll:​\n\n-   **Training for Account Administrators**  \nThis self-paced program teaches users how perform the Account Administrator \\(AA\\) ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_training\\topics\\SES_agency_SA_training.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_training\\topics\\SES_agency_SA_training.md",
      "headings": [
        "SES Supervisory Activity Training {#xd_8263018a37aa41f1-16a718b8-1868f051c4c--7ff7 .concept}",
        "Available Programs {#section_txv_brk_rwb .section}",
        "Program System Information {#section_dcj_n5c_dxb .section}",
        "Program Enrollment {#section_xzd_brk_rwb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_training/topics/SES_agency_SA_training.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_training/topics/SES_agency_SA_training.md:chunk-1",
      "title": "SES Supervisory Activity Training {#xd_8263018a37aa41f1-16a718b8-1868f051c4c--7ff7 .concept}",
      "content": "ppropriate program from the list below for the steps to self-enroll:​\n\n-   **Training for Account Administrators**  \nThis self-paced program teaches users how perform the Account Administrator \\(AA\\) role in SES. Complete each step listed here to successfully earn your Certificate of Training Completion. ​\n-   **Training for EICs/Examiners​/Reviewers/Staff Users**  \nThis self-paced program teaches users how perform the Examiner In Charge \\(EIC\\), Examiner, Examiner Reviewer, or Staff User role in SES. Complete each step listed here to successfully earn your Certificate of Training Completion. ​\n-   **Training for Staff Directors**  \nThis self-paced program teaches users how perform the Staff Director role in SES. Complete each step listed here to successfully earn your Certificate of Training Completion. ​",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_training\\topics\\SES_agency_SA_training.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_training\\topics\\SES_agency_SA_training.md",
      "headings": [
        "SES Supervisory Activity Training {#xd_8263018a37aa41f1-16a718b8-1868f051c4c--7ff7 .concept}",
        "Available Programs {#section_txv_brk_rwb .section}",
        "Program System Information {#section_dcj_n5c_dxb .section}",
        "Program Enrollment {#section_xzd_brk_rwb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_training/topics/SES_agency_SA_training.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_training/topics/c_agency_GS_trainingMethods.md:chunk-0",
      "title": "SES Training Methods and Timing {#c_agency_GS_trainingMethods .concept}",
      "content": "# SES Training Methods and Timing \n\nSES training is delivered through FLEX, CSBS’ learning management system. The following training is good for all users of SES including new hires and seasoned users who need a refresher.\n\n## Self-Paced Learning Programs \n\nSelf-paced learning enables users to complete training through FLEX without any support from CSBS staff.\n\n-   SES Examiner/EIC/Reviewer/Staff User \\(21 hours\\)\n-   SES Account Administrators \\(2 hours\\)\n-   SES Staff Director \\(7 hours\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_training\\topics\\c_agency_GS_trainingMethods.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_training\\topics\\c_agency_GS_trainingMethods.md",
      "headings": [
        "SES Training Methods and Timing {#c_agency_GS_trainingMethods .concept}",
        "Self-Paced Learning Programs {#section_bx3_n2s_btb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_training/topics/c_agency_GS_trainingMethods.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_training/topics/c_agency_complaints_training-1.md:chunk-0",
      "title": "SES Complaints Training {#xd_b2b16285efd54a9a--7ef0f62b-1817c79da7a--7ffd .concept}",
      "content": "# SES Complaints Training \n\nThis program teaches users how to use the Complaints functionality in the State Examination System \\(SES\\), an online tool that facilitates supervisory processes between state agencies and companies.\n\n## Program Components \n\nThe self-paced 3-hour training program consists of 4 modules:\n\n1.  Entering a Complaint\n2.  Completing the Information Request Exchange\n3.  Processing a Complaint\n4.  Sharing a Complaint\n\nEach module contains:\n\n-   Introductory information about the module topic\n-   System navigation knowledge articles\n-   Knowledge check questions\n-   A hands-on practice experience using the SES training environment\n\n## Program System Information \n\n*SSO* uses Okta, a single sign-on service, to allow users access to all Okta-integrated CSBS applications through a secure homepage with a single password. Other Okta-integrated CSBS applications include the following:​\n\n*FLEX* is our Learning Management System that hosts all of our training materials and is accessible through SSO.​\n\n*SES Training Environment* is used by learners to practice system functionality. It offers users an opportunity to experience the features available in SES using fictitious data to mock-up real-world scenarios. This type of practice prepares the users with hands-on experience before they begin using the real SES environment. Usernames and passwords for accounts to the training environment are available for each agency to use whenever needed - whether you are trying SES out for the first time or learning about the latest system updates.​\n\n## Enrollment Option 1: Self-enrollment \n\nThis option enables future SES users to self-enroll in the SES Complaints training. To get started, follow the steps below.\n\n1.  If you found this page by clicking the \"First time here? Check out the Complaints Training\" hyperlink on the SES Complaints homepage, *__skip to step 4.__* Otherwise, continue.\n2.  To confirm access to SSO, navigate to https://sso.csbs.org/ and log in.\n    1.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_training\\topics\\c_agency_complaints_training-1.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_training\\topics\\c_agency_complaints_training-1.md",
      "headings": [
        "SES Complaints Training {#xd_b2b16285efd54a9a--7ef0f62b-1817c79da7a--7ffd .concept}",
        "Program Components {#section_j1p_y3d_ytb .section}",
        "Program System Information {#section_m15_45c_dxb .section}",
        "Enrollment Option 1: Self-enrollment {#section_n1p_y3d_ytb .section}",
        "Enrollment Option 2: Bulk-enrollment {#section_kvp_4c2_ytb .section}",
        "Training Progress Report {#section_q4g_m22_ytb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_training/topics/c_agency_complaints_training-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_training/topics/c_agency_complaints_training-1.md:chunk-1",
      "title": "SES Complaints Training {#xd_b2b16285efd54a9a--7ef0f62b-1817c79da7a--7ffd .concept}",
      "content": "eck out the Complaints Training\" hyperlink on the SES Complaints homepage, *__skip to step 4.__* Otherwise, continue.\n2.  To confirm access to SSO, navigate to https://sso.csbs.org/ and log in.\n    1.  If you do not have an account, please contact the Regulatory Users Group \\(RUG\\) of the NMLS Call Center at the phone number or email provided on our secure portal. Secure Portal \\(requires agency login\\), phone support is available Monday–Friday from 9am – 5pm ET.\n    2.  If you experience issues accessing your Okta account, consult the Activating Your Okta Account for SES and Getting Started with Okta video for assistance.\n3.  Once you have successfully logged into SSO, click the **CSBS FLEX** tile to log in to your account or to request an account if one does not exist.\n    1.  Consult the FLEX Quick Start Guide for more information on creating your FLEX account.\n4.  Once you have successfully logged into FLEX, click here to access the training: SES Complaints Training\n    1.  Proceed by clicking the **Enroll** button and then the **Start** button that appears. You may return at any time to complete the program via FLEX.\n\nKeep in mind, on average this program takes approximately **6 hours to complete**depending on how much practice you would like to complete. It is up to you!\n\n## Enrollment Option 2: Bulk-enrollment \n\nIf you are an agency complaints department lead or an agency training lead, you may request to enroll your complaints staff using the bulk-enrollment method. This option will enroll users from your agency in bulk to the training program and will email all learners directly with a link to begin training.\n\n1.  To submit the bulk-enrollment request, please complete the SES Complaints Training Bulk Enrollment Form.\n\n**Note:** This method requires your agency leadership to oversee all communication with your staff regarding completion requirements, such as the need to react to the initial training email and the deadline for program completion.\n\n## Training",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_training\\topics\\c_agency_complaints_training-1.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_training\\topics\\c_agency_complaints_training-1.md",
      "headings": [
        "SES Complaints Training {#xd_b2b16285efd54a9a--7ef0f62b-1817c79da7a--7ffd .concept}",
        "Program Components {#section_j1p_y3d_ytb .section}",
        "Program System Information {#section_m15_45c_dxb .section}",
        "Enrollment Option 1: Self-enrollment {#section_n1p_y3d_ytb .section}",
        "Enrollment Option 2: Bulk-enrollment {#section_kvp_4c2_ytb .section}",
        "Training Progress Report {#section_q4g_m22_ytb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_training/topics/c_agency_complaints_training-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_training/topics/c_agency_complaints_training-1.md:chunk-2",
      "title": "SES Complaints Training {#xd_b2b16285efd54a9a--7ef0f62b-1817c79da7a--7ffd .concept}",
      "content": "leadership to oversee all communication with your staff regarding completion requirements, such as the need to react to the initial training email and the deadline for program completion.\n\n## Training Progress Report \n\nThe SES Complaints Training Progress Report will be compiled and distributed by the SES Training Team on a bi-weekly basis to all agencies with staff enrolled in the training program. Report details about the learners will include the names of the learners, their date of enrollment, and their completion status, i.e. Not Started, In Progress, and Completed. The report will be sent the SES primary and secondary contacts and are welcome to redistribute the report to all appropriate parties at the agency.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_training\\topics\\c_agency_complaints_training-1.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_training\\topics\\c_agency_complaints_training-1.md",
      "headings": [
        "SES Complaints Training {#xd_b2b16285efd54a9a--7ef0f62b-1817c79da7a--7ffd .concept}",
        "Program Components {#section_j1p_y3d_ytb .section}",
        "Program System Information {#section_m15_45c_dxb .section}",
        "Enrollment Option 1: Self-enrollment {#section_n1p_y3d_ytb .section}",
        "Enrollment Option 2: Bulk-enrollment {#section_kvp_4c2_ytb .section}",
        "Training Progress Report {#section_q4g_m22_ytb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_training/topics/c_agency_complaints_training-1.html",
      "snippet": null
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      "id": "maps/SES/chapter/bizContent/SES_training/topics/c_agency_complaints_training.md:chunk-0",
      "title": "SES Complaints Training {#xd_b2b16285efd54a9a--7ef0f62b-1817c79da7a--7ffd .concept}",
      "content": "# SES Complaints Training \n\nThis program teaches users how to use the Complaints functionality in the State Examination System \\(SES\\), an online tool that facilitates supervisory processes between state agencies and companies.\n\n## Program Components \n\nThe self-paced 3-hour training program consists of 4 modules:\n\n1.  Entering a Complaint\n2.  Completing the Information Request Exchange\n3.  Processing a Complaint\n4.  Sharing a Complaint\n\nEach module contains:\n\n-   Introductory information about the module topic\n-   System navigation knowledge articles\n-   Knowledge check questions\n-   A hands-on practice experience using the SES training environment\n\n## Program System Information \n\n*SSO* uses Okta, a single sign-on service, to allow users access to all Okta-integrated CSBS applications through a secure homepage with a single password. Other Okta-integrated CSBS applications include the following:​\n\n*FLEX* is our Learning Management System that hosts all of our training materials and is accessible through SSO.​\n\n*SES Training Environment* is used by learners to practice system functionality. It offers users an opportunity to experience the features available in SES using fictitious data to mock-up real-world scenarios. This type of practice prepares the users with hands-on experience before they begin using the real SES environment. Usernames and passwords for accounts to the training environment are available for each agency to use whenever needed - whether you are trying SES out for the first time or learning about the latest system updates.​\n\n## Enrollment Option 1: Self-enrollment \n\nThis option enables future SES users to self-enroll in the SES Complaints training. To get started, follow the steps below.\n\n1.  If you found this page by clicking the \"First time here? Check out the Complaints Training\" hyperlink on the SES Complaints homepage, *__skip to step 4.__* Otherwise, continue.\n2.  To confirm access to SSO, navigate to https://sso.csbs.org/ and log in.\n    1.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_training\\topics\\c_agency_complaints_training.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_training\\topics\\c_agency_complaints_training.md",
      "headings": [
        "SES Complaints Training {#xd_b2b16285efd54a9a--7ef0f62b-1817c79da7a--7ffd .concept}",
        "Program Components {#section_j1p_y3d_ytb .section}",
        "Program System Information {#section_m15_45c_dxb .section}",
        "Enrollment Option 1: Self-enrollment {#section_n1p_y3d_ytb .section}",
        "Enrollment Option 2: Bulk-enrollment {#section_kvp_4c2_ytb .section}",
        "Training Progress Report {#section_q4g_m22_ytb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_training/topics/c_agency_complaints_training.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_training/topics/c_agency_complaints_training.md:chunk-1",
      "title": "SES Complaints Training {#xd_b2b16285efd54a9a--7ef0f62b-1817c79da7a--7ffd .concept}",
      "content": "eck out the Complaints Training\" hyperlink on the SES Complaints homepage, *__skip to step 4.__* Otherwise, continue.\n2.  To confirm access to SSO, navigate to https://sso.csbs.org/ and log in.\n    1.  If you do not have an account, please contact the Regulatory Users Group \\(RUG\\) of the NMLS Call Center at the phone number or email provided on our secure portal. Secure Portal \\(requires agency login\\), phone support is available Monday–Friday from 9am – 5pm ET.\n    2.  If you experience issues accessing your Okta account, consult the Activating Your Okta Account for SES and Getting Started with Okta video for assistance.\n3.  Once you have successfully logged into SSO, click the **CSBS FLEX** tile to log in to your account or to request an account if one does not exist.\n    1.  Consult the FLEX Quick Start Guide for more information on creating your FLEX account.\n4.  Once you have successfully logged into FLEX, click here to access the training: SES Complaints Training\n    1.  Proceed by clicking the **Enroll** button and then the **Start** button that appears. You may return at any time to complete the program via FLEX.\n\nKeep in mind, on average this program takes approximately **6 hours to complete**depending on how much practice you would like to complete. It is up to you!\n\n## Enrollment Option 2: Bulk-enrollment \n\nIf you are an agency complaints department lead or an agency training lead, you may request to enroll your complaints staff using the bulk-enrollment method. This option will enroll users from your agency in bulk to the training program and will email all learners directly with a link to begin training.\n\n1.  To submit the bulk-enrollment request, please complete the SES Complaints Training Bulk Enrollment Form.\n\n**Note:** This method requires your agency leadership to oversee all communication with your staff regarding completion requirements, such as the need to react to the initial training email and the deadline for program completion.\n\n## Training",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_training\\topics\\c_agency_complaints_training.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_training\\topics\\c_agency_complaints_training.md",
      "headings": [
        "SES Complaints Training {#xd_b2b16285efd54a9a--7ef0f62b-1817c79da7a--7ffd .concept}",
        "Program Components {#section_j1p_y3d_ytb .section}",
        "Program System Information {#section_m15_45c_dxb .section}",
        "Enrollment Option 1: Self-enrollment {#section_n1p_y3d_ytb .section}",
        "Enrollment Option 2: Bulk-enrollment {#section_kvp_4c2_ytb .section}",
        "Training Progress Report {#section_q4g_m22_ytb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_training/topics/c_agency_complaints_training.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_training/topics/c_agency_complaints_training.md:chunk-2",
      "title": "SES Complaints Training {#xd_b2b16285efd54a9a--7ef0f62b-1817c79da7a--7ffd .concept}",
      "content": "leadership to oversee all communication with your staff regarding completion requirements, such as the need to react to the initial training email and the deadline for program completion.\n\n## Training Progress Report \n\nThe SES Complaints Training Progress Report will be compiled and distributed by the SES Training Team on a bi-weekly basis to all agencies with staff enrolled in the training program. Report details about the learners will include the names of the learners, their date of enrollment, and their completion status, i.e. Not Started, In Progress, and Completed. The report will be sent the SES primary and secondary contacts and are welcome to redistribute the report to all appropriate parties at the agency.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_training\\topics\\c_agency_complaints_training.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_training\\topics\\c_agency_complaints_training.md",
      "headings": [
        "SES Complaints Training {#xd_b2b16285efd54a9a--7ef0f62b-1817c79da7a--7ffd .concept}",
        "Program Components {#section_j1p_y3d_ytb .section}",
        "Program System Information {#section_m15_45c_dxb .section}",
        "Enrollment Option 1: Self-enrollment {#section_n1p_y3d_ytb .section}",
        "Enrollment Option 2: Bulk-enrollment {#section_kvp_4c2_ytb .section}",
        "Training Progress Report {#section_q4g_m22_ytb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_training/topics/c_agency_complaints_training.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/SES_training/topics/c_company_getStart_SEStraining.md:chunk-0",
      "title": "SES Training for Companies {#c_company_getStart_training .concept}",
      "content": "# SES Training for Companies \n\nTraining resources for company users are available in the SES Quick Start Guide for Companies.\n\nIn the SES Quick Start Guide for Companies you will find videos and other resources that will show you how to use the system and how to respond to Information Requests and other actions you may take in the system.\n\nPlease visit this resource site often to see updates to the content.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\SES_training\\topics\\c_company_getStart_SEStraining.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\SES_training\\topics\\c_company_getStart_SEStraining.md",
      "headings": [
        "SES Training for Companies {#c_company_getStart_training .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/SES_training/topics/c_company_getStart_SEStraining.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/afr/topics/c_agency_MTRAworkProgram-1.md:chunk-0",
      "title": "SES Work Programs {#xd_e683677add681213-7a94f831-1819fcdc2c8--7ffc .concept}",
      "content": "# SES Work Programs \n\nWhen Managing the Scope, you have the option to select how you want to build the scope – manually or automatically using a Work Program.\n\nSelecting Work Programs automatically populates the Areas for Review \\(AFRs\\) that correspond to the work program and adds a Work Program badge to the SA.\n\nRegulatory working groups and sister trade organizations have identified the AFRs appropriate for all Work Programs. These AFRs are automatically selected when Managing the Scope.\n\n## Viewing All Work Programs Available in SES \n\nAll SES agency users can view the work programs in SES by clicking **View Library** on the homepage of SES.\n\nThen, select the **Work Programs** tab. \n\nClick the hyperlinked **Work Program ID** number to see full details for a work program.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\afr\\topics\\c_agency_MTRAworkProgram-1.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\afr\\topics\\c_agency_MTRAworkProgram-1.md",
      "headings": [
        "SES Work Programs {#xd_e683677add681213-7a94f831-1819fcdc2c8--7ffc .concept}",
        "Viewing All Work Programs Available in SES {#section_jpd_njg_sfc .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/afr/topics/c_agency_MTRAworkProgram-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/afr/topics/c_agency_MTRAworkProgram.md:chunk-0",
      "title": "SES Work Programs {#xd_e683677add681213-7a94f831-1819fcdc2c8--7ffc .concept}",
      "content": "# SES Work Programs \n\nWhen Managing the Scope, you have the option to select how you want to build the scope – manually or automatically using a Work Program.\n\nSelecting Work Programs automatically populates the Areas for Review \\(AFRs\\) that correspond to the work program and adds a Work Program badge to the SA.\n\nRegulatory working groups and sister trade organizations have identified the AFRs appropriate for all Work Programs. These AFRs are automatically selected when Managing the Scope.\n\n## Viewing All Work Programs Available in SES \n\nAll SES agency users can view the work programs in SES by clicking **View Library** on the homepage of SES.\n\nThen, select the **Work Programs** tab. \n\nClick the hyperlinked **Work Program ID** number to see full details for a work program.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\afr\\topics\\c_agency_MTRAworkProgram.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\afr\\topics\\c_agency_MTRAworkProgram.md",
      "headings": [
        "SES Work Programs {#xd_e683677add681213-7a94f831-1819fcdc2c8--7ffc .concept}",
        "Viewing All Work Programs Available in SES {#section_jpd_njg_sfc .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/afr/topics/c_agency_MTRAworkProgram.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/afr/topics/r_agency_coreAFR_mortgageOrigExam.md:chunk-0",
      "title": "Core Areas for Review for Mortgage Origination Exams {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7fd8 .reference}",
      "content": "# Core Areas for Review for Mortgage Origination Exams \n\nIf a user with an EIC profile is starting a mortgage origination exam and wants to include all the standard core information requests, below are the areas for review they should include:\n\n-   Advertising and Marketing\n-   Appraisals\n-   Bank Secrecy Act, Anti-Money Laundering, OFAC\n-   Business Model and Organization Structure\n-   Complaints\n-   Compliance and Internal Routines and Controls\n-   CSBS Nonbank Cybersecurity & IT Exam Programs\n\n    **Note:** If the Enhanced Program will be used, the EIC must manually add the Enhanced exam procedures. See Adding Procedures for instructions on how to add exam procedures to a SA.\n\n-   Error Resolution and Consumer Inquiries\n-   Financial Condition - Asset Quality\n-   Financial Condition - Capital Adequacy\n-   Financial Condition – Earnings\n-   Financial Condition – Liquidity\n-   Financial Condition - Sensitivity to Market Risk\n-   Information Sharing and Privacy\n-   Loan File Review\n-   Management and Board\n-   Mortgage Loan Originators\n-   Origination Activity\n-   Policies and Procedures\n-   Service Provider Oversight\n-   Servicing and Loan Ownership Transfers\n-   Training Program\n-   Underwriting",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\afr\\topics\\r_agency_coreAFR_mortgageOrigExam.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\afr\\topics\\r_agency_coreAFR_mortgageOrigExam.md",
      "headings": [
        "Core Areas for Review for Mortgage Origination Exams {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7fd8 .reference}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/afr/topics/r_agency_coreAFR_mortgageOrigExam.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/afr/topics/r_agency_coreAFR_mortgageServicingExam.md:chunk-0",
      "title": "Core Areas for Review for Mortgage Servicing Exams {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7fd9 .reference}",
      "content": "# Core Areas for Review for Mortgage Servicing Exams \n\nIf a user with an EIC profile is starting a Mortgage Servicing Exam and wants to include the standard core information requests, below are the areas for review to include:\n\n-   Affiliates and Related Organizations\n-   Bank Secrecy Act, Anti-Money Laundering, OFAC\n-   Business Model and Organization Structure\n-   Collections\n-   Complaints\n-   Compliance and Internal Routines and Controls\n-   CSBS Nonbank Cybersecurity & IT Exam Programs\n\n    **Note:** If the Enhanced Program will be used, the EIC must manually add the Enhanced exam procedures. See Adding Procedures for instructions on how to add exam procedures to a SA.\n\n-   Consumer Reporting\n-   Error Resolution and Consumer Inquiries\n-   Financial Condition - Asset Quality\n-   Financial Condition - Capital Adequacy\n-   Financial Condition – Earnings\n-   Financial Condition – Liquidity\n-   Financial Condition - Sensitivity to Market Risk\n-   Foreclosures and Other Real Estate Owned\n-   Information Sharing and Privacy\n-   Loan File Review\n-   Loss Mitigation, Early Intervention, and Continuity of Contact\n-   Maintenance of Escrow Accounts and Insurance\n-   Management and Board\n-   Payment Processing\n-   Policies and Procedures\n-   Service Provider Oversight\n-   Servicing and Loan Ownership Transfers\n-   Training Program",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\afr\\topics\\r_agency_coreAFR_mortgageServicingExam.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\afr\\topics\\r_agency_coreAFR_mortgageServicingExam.md",
      "headings": [
        "Core Areas for Review for Mortgage Servicing Exams {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7fd9 .reference}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/afr/topics/r_agency_coreAFR_mortgageServicingExam.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/afr/topics/r_agency_nonCoreAFR_debtExams.md:chunk-0",
      "title": "Non-Core Areas for Review for Debt Exams {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7fd7 .reference}",
      "content": "# Non-Core Areas for Review for Debt Exams \n\nIf a user with an EIC profile is starting a debt exam and wants to include all the standard non-core information requests, below are the areas for review they should include:\n\n-   Audit\n-   Business Model and Organizational Structure\n-   Collections\n-   Complaints\n-   Compliance and Internal Controls and Routines\n-   Consumer Reporting\n-   Error Resolution and Consumer Inquiries\n-   Financial Condition—Asset Quality\n-   Financial Condition—Capital Adequacy\n-   Financial Condition—Earnings\n-   Financial Condition—Liquidity\n-   Financial Condition—Sensitivity to Market Risk\n-   Information Technology and Cyber Security\n-   Management and Board\n-   Licensing Prior Examination, Enforcement History\n-   Payment Processing\n-   Permissible Investments, Bank Accounts, Safety & Soundness\n-   Policies and Procedures\n-   Service Provider Oversight\n-   Training Program",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\afr\\topics\\r_agency_nonCoreAFR_debtExams.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\afr\\topics\\r_agency_nonCoreAFR_debtExams.md",
      "headings": [
        "Non-Core Areas for Review for Debt Exams {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7fd7 .reference}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/afr/topics/r_agency_nonCoreAFR_debtExams.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/complaintsRef/topics/c_agency_companyViewComplaintRecord-1.md:chunk-0",
      "title": "More about Agency View vs. Company View of Complaint Record {#c_agency_companyViewComplaintRecord .concept}",
      "content": "# More about Agency View vs. Company View of Complaint Record \n\nAgencies and companies can see different information in a complaint record. Certain fields are shared between the two different user types; others are only available to agency users.\n\n## Visible to BOTH Agencies and Companies \n\nSummary Page\n\n-   Subject Details\n    -   Company NMLS ID\n    -   Company Name\n    -   Address\n    -   SES Company ID\n    -   Company POC\n-   Agency Details\n    -   Agency\n    -   Agency POC\n-   Complaint Details\n    -   Date Created\n-   Transaction Details\n    -   Transaction Date\n    -   Transaction City\n    -   Transaction State\n\nDetails Page\n\n-   Complainant Details\n    -   First Name\n    -   Last Name\n    -   Address\n-   Documents\n\n## Visible to Agencies ONLY \n\nSummary Page\n\n-   Complaint Details\n    -   Sent to Subject\n    -   CFPB ID\n    -   Date Received\n    -   Business Type\n    -   Business Activities\n    -   Categories\n-   Closure Details\n    -   Closed On\n\nDetails Page\n\n-   Complainant Details\n    -   Phone\n    -   Email\n    -   Customer Desired Outcome\n\n        **Note:** By restricting the complainant details, only complaints users of the owning agency will see this information. The subject and any agency with viewer access will not see the complainant details. If this complaint is referred to another agency, the receiving agency will only see the complainant details once the referral is accepted.\n\n-   Closure Details\n    -   Close Reason\n    -   Number Days Open\n    -   By\n    -   Closure Notes",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\complaintsRef\\topics\\c_agency_companyViewComplaintRecord-1.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\complaintsRef\\topics\\c_agency_companyViewComplaintRecord-1.md",
      "headings": [
        "More about Agency View vs. Company View of Complaint Record {#c_agency_companyViewComplaintRecord .concept}",
        "Visible to BOTH Agencies and Companies {#section_glb_hbf_psb .section}",
        "Visible to Agencies ONLY {#section_w2r_pbf_psb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/complaintsRef/topics/c_agency_companyViewComplaintRecord-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/complaintsRef/topics/c_agency_companyViewComplaintRecord.md:chunk-0",
      "title": "More about Agency View vs. Company View of Complaint Record {#c_agency_companyViewComplaintRecord .concept}",
      "content": "# More about Agency View vs. Company View of Complaint Record \n\nAgencies and companies can see different information in a complaint record. Certain fields are shared between the two different user types; others are only available to agency users.\n\n## Visible to BOTH Agencies and Companies \n\nSummary Page\n\n-   Subject Details\n    -   Company NMLS ID\n    -   Company Name\n    -   Address\n    -   SES Company ID\n    -   Company POC\n-   Agency Details\n    -   Agency\n    -   Agency POC\n-   Complaint Details\n    -   Date Created\n-   Transaction Details\n    -   Transaction Date\n    -   Transaction City\n    -   Transaction State\n\nDetails Page\n\n-   Complainant Details\n    -   First Name\n    -   Last Name\n    -   Address\n-   Documents\n\n## Visible to Agencies ONLY \n\nSummary Page\n\n-   Complaint Details\n    -   Sent to Subject\n    -   CFPB ID\n    -   Date Received\n    -   Business Type\n    -   Business Activities\n    -   Categories\n-   Closure Details\n    -   Closed On\n\nDetails Page\n\n-   Complainant Details\n    -   Phone\n    -   Email\n    -   Customer Desired Outcome\n\n        **Note:** By restricting the complainant details, only complaints users of the owning agency will see this information. The subject and any agency with viewer access will not see the complainant details. If this complaint is referred to another agency, the receiving agency will only see the complainant details once the referral is accepted.\n\n-   Closure Details\n    -   Close Reason\n    -   Number Days Open\n    -   By\n    -   Closure Notes",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\complaintsRef\\topics\\c_agency_companyViewComplaintRecord.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\complaintsRef\\topics\\c_agency_companyViewComplaintRecord.md",
      "headings": [
        "More about Agency View vs. Company View of Complaint Record {#c_agency_companyViewComplaintRecord .concept}",
        "Visible to BOTH Agencies and Companies {#section_glb_hbf_psb .section}",
        "Visible to Agencies ONLY {#section_w2r_pbf_psb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/complaintsRef/topics/c_agency_companyViewComplaintRecord.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/complaintsRef/topics/c_agency_moreAboutComplaintSubjects-1.md:chunk-0",
      "title": "SES Complaints – More about Consumer Complaint Subjects {#xd_b2b16285efd54a9a--7ef0f62b-1817c79da7a--7ff8 .concept}",
      "content": "# SES Complaints – More about Consumer Complaint Subjects \n\nThe types of entities that can be the subject of a complaint in SES.\n\nBelow is a list of the types of entities that can be the subject of a complaint in SES:\n\nNon-depository companies, branches, and individuals whose licenses are managed in NMLS\n:   This is because SES is linked to NMLS and its licensees are automatically populated into SES.\n\nDepository-only institutions that are included in MicroStrategy and the National Information Center \\(NIC\\) database.\n:   The data source for depository-only institutions is not NMLS, but MicroStrategy and the NIC database.\n\nNon-depository companies, branches, and individuals who are licensed by your agency but are not managed in NMLS\n:   To identify these licensees as a complaint subject, the licensee must first complete the account request form in NMLS. Doing so will allow the NMLS link to bring the entity into SES \\(on the next business day\\), at which point, a complaint can then be created.\n\n    Keep in mind, the licensee only needs to complete the NMLS account request form, they do not need to complete any additional forms in NMLS to proceed.\n\nNon-NMLS entities\n:   Non-NMLS entities are defined as unknown or unreachable entities that could be operating without a license. Non-NMLS entities are created by agency complaint users with the purpose of enabling tracking of these entities across agencies. Since they are unknown or unreachable, you cannot interact with them using SES, but complaints can be created on these entities to inform other agency users of their reported activity.\n\n## Looking Forward \n\nIn the future, SES plans to expand functionality to include a public portal, allowing consumers to search for entities, initiate, and track their own complaints.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\complaintsRef\\topics\\c_agency_moreAboutComplaintSubjects-1.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\complaintsRef\\topics\\c_agency_moreAboutComplaintSubjects-1.md",
      "headings": [
        "SES Complaints – More about Consumer Complaint Subjects {#xd_b2b16285efd54a9a--7ef0f62b-1817c79da7a--7ff8 .concept}",
        "Looking Forward {#section_ryh_g1g_ztb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/complaintsRef/topics/c_agency_moreAboutComplaintSubjects-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/complaintsRef/topics/c_agency_moreAboutComplaintSubjects.md:chunk-0",
      "title": "SES Complaints – More about Consumer Complaint Subjects {#xd_b2b16285efd54a9a--7ef0f62b-1817c79da7a--7ff8 .concept}",
      "content": "# SES Complaints – More about Consumer Complaint Subjects \n\nThe types of entities that can be the subject of a complaint in SES.\n\nBelow is a list of the types of entities that can be the subject of a complaint in SES:\n\nNon-depository companies, branches, and individuals whose licenses are managed in NMLS\n:   This is because SES is linked to NMLS and its licensees are automatically populated into SES.\n\nDepository-only institutions that are included in MicroStrategy and the National Information Center \\(NIC\\) database.\n:   The data source for depository-only institutions is not NMLS, but MicroStrategy and the NIC database.\n\nNon-depository companies, branches, and individuals who are licensed by your agency but are not managed in NMLS\n:   To identify these licensees as a complaint subject, the licensee must first complete the account request form in NMLS. Doing so will allow the NMLS link to bring the entity into SES \\(on the next business day\\), at which point, a complaint can then be created.\n\n    Keep in mind, the licensee only needs to complete the NMLS account request form, they do not need to complete any additional forms in NMLS to proceed.\n\nNon-NMLS entities\n:   Non-NMLS entities are defined as unknown or unreachable entities that could be operating without a license. Non-NMLS entities are created by agency complaint users with the purpose of enabling tracking of these entities across agencies. Since they are unknown or unreachable, you cannot interact with them using SES, but complaints can be created on these entities to inform other agency users of their reported activity.\n\n## Looking Forward \n\nIn the future, SES plans to expand functionality to include a public portal, allowing consumers to search for entities, initiate, and track their own complaints.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\complaintsRef\\topics\\c_agency_moreAboutComplaintSubjects.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\complaintsRef\\topics\\c_agency_moreAboutComplaintSubjects.md",
      "headings": [
        "SES Complaints – More about Consumer Complaint Subjects {#xd_b2b16285efd54a9a--7ef0f62b-1817c79da7a--7ff8 .concept}",
        "Looking Forward {#section_ryh_g1g_ztb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/complaintsRef/topics/c_agency_moreAboutComplaintSubjects.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/complaintsRef/topics/c_agency_moreAbout_IR_ExchangeProcess-1.md:chunk-0",
      "title": "SES Consumer Complaints – More about the Information Request Exchange {#c_agency_moreAbout_IR_ExchangeProcess .concept}",
      "content": "# SES Consumer Complaints – More about the Information Request Exchange \n\nAll agency complaint users can add information requests, or IRs, to the complaint, however only the agency point of contact \\(POC\\) assigned to the complaint can send the Information Requests to the company.\n\nThe agency Point of Contact is the individual who initially entered the complaint or who was assigned as part of completing the preliminary review. At any time prior to closing the complaint, the agency Point of Contact can be reassigned by updating the complaint details.\n\nIt is important to note, the information request exchange in SES is only available for complaints on NMLS/SES companies and cannot be used for Non-NMLS Entity entities.\n\nLet’s talk more about how the information request process works in SES.\n\n## Agency: \n\nOnce the agency creates the information requests for the complaint, they can be sent to the company all at once or in multiple instances.\n\n-   A specific due date can be set for each individual information request or a bulk due date can be applied to all information requests.\n\nThe IRs added to a complaint can be sent to the company even if the company has not yet completed enrollment in SES. When you send the information requests, you can create a new user account or send a reminder for the company to finish enrollment. The company is not able to view the details of an IR or submit responses until company enrollment is complete.\n\nOnce the information requests have been sent to the company by the agency,\n\n-   The due date for each request can be updated individually to provide an extension, if needed.\n-   A request can be cancelled if the information is no longer necessary.\n-   The description and documents uploaded for a request cannot be updated until a response has been received by the agency.\n\n## Company: \n\nOnce the company has responded, which can be done in multiple instances or all at once, they can no longer make changes to their responses unless the requests ar",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\complaintsRef\\topics\\c_agency_moreAbout_IR_ExchangeProcess-1.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\complaintsRef\\topics\\c_agency_moreAbout_IR_ExchangeProcess-1.md",
      "headings": [
        "SES Consumer Complaints – More about the Information Request Exchange {#c_agency_moreAbout_IR_ExchangeProcess .concept}",
        "Agency: {#section_ywt_hqk_rsb .section}",
        "Company: {#section_fpg_jqk_rsb .section}",
        "Agency: {#section_mtr_jqk_rsb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/complaintsRef/topics/c_agency_moreAbout_IR_ExchangeProcess-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/complaintsRef/topics/c_agency_moreAbout_IR_ExchangeProcess-1.md:chunk-1",
      "title": "SES Consumer Complaints – More about the Information Request Exchange {#c_agency_moreAbout_IR_ExchangeProcess .concept}",
      "content": "received by the agency.\n\n## Company: \n\nOnce the company has responded, which can be done in multiple instances or all at once, they can no longer make changes to their responses unless the requests are sent back to the company by the agency.\n\n## Agency: \n\nWhen reviewing the responses, the agency has a few different actions available depending on the quality of the responses received:\n\nGood:\n:   If the response is satisfactory you can use the **Quick Look Complete** tag which signals to others helping you work the complaint that you have looked at the response and it meets your needs. Think of it like unread \\(bold\\) and read \\(no longer bold\\) emails. The **Quick Look Complete** tag is only seen by the agency and is not shown to the company.\n\nTry Again:\n:   If the company’s response does not meet your needs, you can send it back to the company asking them to try again. This back-and-forth can happen as many times as necessary until you get what you need to move forward.\n\nOk, but what about this:\n:   If the company’s response prompts you to think of more questions to ask, you can create and send more information requests to the company.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\complaintsRef\\topics\\c_agency_moreAbout_IR_ExchangeProcess-1.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\complaintsRef\\topics\\c_agency_moreAbout_IR_ExchangeProcess-1.md",
      "headings": [
        "SES Consumer Complaints – More about the Information Request Exchange {#c_agency_moreAbout_IR_ExchangeProcess .concept}",
        "Agency: {#section_ywt_hqk_rsb .section}",
        "Company: {#section_fpg_jqk_rsb .section}",
        "Agency: {#section_mtr_jqk_rsb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/complaintsRef/topics/c_agency_moreAbout_IR_ExchangeProcess-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/complaintsRef/topics/c_agency_moreAbout_IR_ExchangeProcess.md:chunk-0",
      "title": "SES Consumer Complaints – More about the Information Request Exchange {#c_agency_moreAbout_IR_ExchangeProcess .concept}",
      "content": "# SES Consumer Complaints – More about the Information Request Exchange \n\nAll agency complaint users can add information requests, or IRs, to the complaint, however only the agency point of contact \\(POC\\) assigned to the complaint can send the Information Requests to the company.\n\nThe agency Point of Contact is the individual who initially entered the complaint or who was assigned as part of completing the preliminary review. At any time prior to closing the complaint, the agency Point of Contact can be reassigned by updating the complaint details.\n\nIt is important to note, the information request exchange in SES is only available for complaints on NMLS/SES companies and cannot be used for Non-NMLS Entity entities.\n\nLet’s talk more about how the information request process works in SES.\n\n## Agency: \n\nOnce the agency creates the information requests for the complaint, they can be sent to the company all at once or in multiple instances.\n\n-   A specific due date can be set for each individual information request or a bulk due date can be applied to all information requests.\n\nThe IRs added to a complaint can be sent to the company even if the company has not yet completed enrollment in SES. When you send the information requests, you can create a new user account or send a reminder for the company to finish enrollment. The company is not able to view the details of an IR or submit responses until company enrollment is complete.\n\nOnce the information requests have been sent to the company by the agency,\n\n-   The due date for each request can be updated individually to provide an extension, if needed.\n-   A request can be cancelled if the information is no longer necessary.\n-   The description and documents uploaded for a request cannot be updated until a response has been received by the agency.\n\n## Company: \n\nOnce the company has responded, which can be done in multiple instances or all at once, they can no longer make changes to their responses unless the requests ar",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\complaintsRef\\topics\\c_agency_moreAbout_IR_ExchangeProcess.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\complaintsRef\\topics\\c_agency_moreAbout_IR_ExchangeProcess.md",
      "headings": [
        "SES Consumer Complaints – More about the Information Request Exchange {#c_agency_moreAbout_IR_ExchangeProcess .concept}",
        "Agency: {#section_ywt_hqk_rsb .section}",
        "Company: {#section_fpg_jqk_rsb .section}",
        "Agency: {#section_mtr_jqk_rsb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/complaintsRef/topics/c_agency_moreAbout_IR_ExchangeProcess.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/complaintsRef/topics/c_agency_moreAbout_IR_ExchangeProcess.md:chunk-1",
      "title": "SES Consumer Complaints – More about the Information Request Exchange {#c_agency_moreAbout_IR_ExchangeProcess .concept}",
      "content": "received by the agency.\n\n## Company: \n\nOnce the company has responded, which can be done in multiple instances or all at once, they can no longer make changes to their responses unless the requests are sent back to the company by the agency.\n\n## Agency: \n\nWhen reviewing the responses, the agency has a few different actions available depending on the quality of the responses received:\n\nGood:\n:   If the response is satisfactory you can use the **Quick Look Complete** tag which signals to others helping you work the complaint that you have looked at the response and it meets your needs. Think of it like unread \\(bold\\) and read \\(no longer bold\\) emails. The **Quick Look Complete** tag is only seen by the agency and is not shown to the company.\n\nTry Again:\n:   If the company’s response does not meet your needs, you can send it back to the company asking them to try again. This back-and-forth can happen as many times as necessary until you get what you need to move forward.\n\nOk, but what about this:\n:   If the company’s response prompts you to think of more questions to ask, you can create and send more information requests to the company.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\complaintsRef\\topics\\c_agency_moreAbout_IR_ExchangeProcess.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\complaintsRef\\topics\\c_agency_moreAbout_IR_ExchangeProcess.md",
      "headings": [
        "SES Consumer Complaints – More about the Information Request Exchange {#c_agency_moreAbout_IR_ExchangeProcess .concept}",
        "Agency: {#section_ywt_hqk_rsb .section}",
        "Company: {#section_fpg_jqk_rsb .section}",
        "Agency: {#section_mtr_jqk_rsb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/complaintsRef/topics/c_agency_moreAbout_IR_ExchangeProcess.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/complaintsRef/topics/c_complaints_moreAboutProcessing.md:chunk-0",
      "title": "SES Consumer Complaints – More about Processing a Complaint {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7fda .concept}",
      "content": "# SES Consumer Complaints – More about Processing a Complaint \n\nPrinciples of operation for the complaints component of SES.\n\n## Processing a complaint includes: \n\n-   Documenting research and communication related to the complaint.\n    -   The goal of this area of the complaint is to document and account for all activity that could occur outside SES. While we do not currently have consumer-facing functionality allowing a consumer to initiate a complaint, you can still track an email exchange or phone call between you and the consumer, or time spent researching on the CFPB’s complaint portal.\n-   Adding alleged violations identified through the review of the complaint.\n    -   An alleged violation may reference a Federal or State regulation or statute, if applicable, and must include a description. In certain instances, complaints with alleged violations will get escalated to an investigation or examination team.\n-   Concluding your review by either closing or referring the complaint.\n\n## Here are few more details about the referral process in SES. \n\nThe referral process allows you to refer the complaint to another agency with active complaint users in SES. The receiving agency can then continue to process the complaint in SES.\n\nKeep in mind, the receiving agency has the option to either accept or reject the complaint referral. If they choose to reject the referral, your agency continues to own the complaint and is responsible for processing it.\n\nAlso, it’s important to note that a complaint can no longer be referred to another agency in SES once an information request has been sent to the company. In the instance where an information request has been sent and you realize the complaint applies to another jurisdiction, the complaint can be closed. You would then communicate with the correct agency outside of SES and they would then create a new complaint.\n\n## The closure process is straight forward. \n\n-   Closure reasons include\n    -   Cancelled by Complainant\n    -",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\complaintsRef\\topics\\c_complaints_moreAboutProcessing.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\complaintsRef\\topics\\c_complaints_moreAboutProcessing.md",
      "headings": [
        "SES Consumer Complaints – More about Processing a Complaint {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7fda .concept}",
        "Processing a complaint includes: {#section_pw1_zzc_rtb .section}",
        "Here are few more details about the referral process in SES. {#section_fzz_j1d_rtb .section}",
        "The closure process is straight forward. {#section_il5_p1d_rtb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/complaintsRef/topics/c_complaints_moreAboutProcessing.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/complaintsRef/topics/c_complaints_moreAboutProcessing.md:chunk-1",
      "title": "SES Consumer Complaints – More about Processing a Complaint {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7fda .concept}",
      "content": "ate with the correct agency outside of SES and they would then create a new complaint.\n\n## The closure process is straight forward. \n\n-   Closure reasons include\n    -   Cancelled by Complainant\n    -   Closed with Explanation\n    -   Closed with Monetary Relief\n    -   Closed with Non-Monetary Relief\n    -   Complainant Ceased Communication\n    -   Duplicate\n    -   Invalid\n    -   Referred to Federal Agency\n    -   Referred to Investigation \\(at your agency\\)\n    -   Referred to other State Agency \\(used when the receiving agency does not have users in the complaints system and therefore the referral process cannot be used in SES\\)\n    -   Referred to State Attorney General\n\nIf the referral options are selected at closure, the referral to the appropriate agency must be communicated outside of SES so that a new complaint can be started by the agency, if applicable. The goal with providing these options at closure is to enable the agency to track all complaints they have processed.\n\nAt this time, a closed complaint cannot be reopened by the agency. If new details surrounding the complaint resurface, a new complaint can be created to document these updates.\n\nLike most areas of the complaint system, all complaints users can process a complaint, including closing or referring a complaint as well as accepting or rejecting an incoming referral. You are encouraged to discuss protocols and coordinate with your complaint users to ensure work is not duplicated.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\complaintsRef\\topics\\c_complaints_moreAboutProcessing.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\complaintsRef\\topics\\c_complaints_moreAboutProcessing.md",
      "headings": [
        "SES Consumer Complaints – More about Processing a Complaint {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7fda .concept}",
        "Processing a complaint includes: {#section_pw1_zzc_rtb .section}",
        "Here are few more details about the referral process in SES. {#section_fzz_j1d_rtb .section}",
        "The closure process is straight forward. {#section_il5_p1d_rtb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/complaintsRef/topics/c_complaints_moreAboutProcessing.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/faq/topics/c_agency_SES_FAQ-1.md:chunk-0",
      "title": "State Examination System \\(SES\\) Agency FAQs {#c_SES_FAQ .concept}",
      "content": "# State Examination System \\(SES\\) Agency FAQs \n\nFrequently Asked Questions about State Examination System.\n\n## What is the purpose of SES? \n\nThe purpose of State Examination System is to support the supervision, enforcement, investigation and complaints processes for state regulators and the companies they supervise. The main goals of SES are as follows:\n\n-   **Standardize the supervisory process.** SES will be the first nationwide system of its kind, powered by technology that will allow for greater information sharing amongst state regulatory agencies. The promotion of best practices across state agencies will result in the standardization of supervisory practices which will in turn reduce the volume of state examinations, and save time, costs, and travel for regulators and the industry.\n-   **Foster collaboration amongst state agencies.** SES will encourage multi-state supervision and allow regulators to eliminate duplicative supervisory efforts. In addition, state agencies will have the ability in the system to access one another’s supervisory schedules which will allow them to make better use of their time and resources.\n-   **Offer readily available risk-based data.** SES will offer state regulators an impressive uniform and nationwide set of data they can use to analyze macro and micro trends in the financial system. The Risk-based analytics approach in SES will allow state agencies to respond to risks, tailor supervision programs across industries, and continually refine the supervision process through informed metrics.\n-   **Safeguard sensitive information.** SES has safeguards in place to protect the sensitive information that is stored and exchanged in the system. Using a single, secure platform to exchange supervisory information will improve the overall security of the state regulatory process.\n\n## Would you be able to provide me any documentation for justification for the States using SES system? \n\nEach agency’s justification for using SES will differ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\faq\\topics\\c_agency_SES_FAQ-1.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\faq\\topics\\c_agency_SES_FAQ-1.md",
      "headings": [
        "State Examination System \\(SES\\) Agency FAQs {#c_SES_FAQ .concept}",
        "What is the purpose of SES? {#section_bn4_zhz_nsb .section}",
        "Would you be able to provide me any documentation for justification for the States using SES system? {#section_gf5_k3z_nsb .section}",
        "Are there any laws or regulatory requirements for States using this system like NMLS? {#section_tdy_prg_tsb .section}",
        "Does SES have any data backup and recovery procedures in place in case of a disruption of services? {#section_ip5_gfh_tsb .section}",
        "Will state agencies be able to backup it their own data out of SES? {#section_lw1_r3z_nsb .section}",
        "How long are documents kept in SES? Is there a document retention schedule? {#section_jz4_crg_tsb .section}",
        "How long are data kept in SES? Is there a data retention schedule? {#section_xdd_sqg_tsb .section}",
        "Are there fees or costs for using SES? {#section_mxb_lpg_tsb .section}",
        "Are there any hidden costs, such as a data extraction or ‘disconnect’ fee? {#section_wgs_yb1_4sb .section}",
        "Who is liable for the information in the system in the event of a security breach? {#section_jly_qpg_tsb .section}",
        "What assurances do I have that SES is appropriately safeguarding my agency’s information? {#section_slw_yqh_tsb .section}",
        "Our IT staff has specific questions about the system’s security controls. Who should we contact? {#section_cfz_dc1_4sb .section}",
        "Does SES have a mobile application? {#section_dhk_13g_tsb .section}",
        "Where can I find the technical requirements to use SES? {#section_yfb_xhg_tsb .section}",
        "Which agencies have agreed to use SES to supervise companies and process their consumer complaints? {#section_trk_gqb_tsb .section}",
        "How does the SES Consumer Complaints System differ from the CFPB consumer complaints portal? {#section_lq4_d2h_tsb .section}",
        "Does SES Consumer Complaints connect with the CFPB complaints portal? {#section_ud1_x2h_tsb .section}",
        "Does the SES Consumer Complaints System have consumer-facing functionality? {#section_vjk_x2h_tsb .section}",
        "Can state agencies enter and process complaints on non-depositories and depositories under their supervision? {#section_a1v_bfh_tsb .section}",
        "Does a company need to exist in NMLS in order to process a complaint? Some of my complaints are on unlicensed and unresponsive entities. {#section_u5c_vc1_4sb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/faq/topics/c_agency_SES_FAQ-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/faq/topics/c_agency_SES_FAQ-1.md:chunk-1",
      "title": "State Examination System \\(SES\\) Agency FAQs {#c_SES_FAQ .concept}",
      "content": "curity of the state regulatory process.\n\n## Would you be able to provide me any documentation for justification for the States using SES system? \n\nEach agency’s justification for using SES will differ somewhat, but the benefits listed above will apply to most agencies. CSBS firmly believes that state agencies using the system will greatly benefit from reduced costs, reduced travel, and time / resource-saving advantages as they will be using a standardized, no-cost system which will give them unique access to nationwide supervision information, risk-based data, and the ability to share best practices. Beyond benefits to state agencies, SES will bring transparency, consistency, and accountability to the supervisory process, all of which will reduce burden experienced by supervised companies. These benefits will only be enhanced as more agencies continue to implement SES as their primary supervision system.\n\n## Are there any laws or regulatory requirements for States using this system like NMLS? \n\nUnlike the Nationwide Multistate Licensing System & Registry, state agencies are not required to pass state legislation or regulation to use the system. The use of the system by state agencies is discretionary.\n\n## Does SES have any data backup and recovery procedures in place in case of a disruption of services? \n\nYes. SES was developed with industry-standard backup and recovery requirements. Due to security considerations, details are available upon request.\n\n## Will state agencies be able to backup it their own data out of SES? \n\nEach agency \\(or agencies if it is a Multi-state Examinations\\) will have full access to the documents uploaded to SES from the supervised company subject to the examination. Exam data entered into the SES system on screens is currently not available for export. While an examiner could take a screenshot of every related screen, we are well aware that is an unacceptable answer. This is a feature that is on our roadmap but is not in the immediate pi",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\faq\\topics\\c_agency_SES_FAQ-1.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\faq\\topics\\c_agency_SES_FAQ-1.md",
      "headings": [
        "State Examination System \\(SES\\) Agency FAQs {#c_SES_FAQ .concept}",
        "What is the purpose of SES? {#section_bn4_zhz_nsb .section}",
        "Would you be able to provide me any documentation for justification for the States using SES system? {#section_gf5_k3z_nsb .section}",
        "Are there any laws or regulatory requirements for States using this system like NMLS? {#section_tdy_prg_tsb .section}",
        "Does SES have any data backup and recovery procedures in place in case of a disruption of services? {#section_ip5_gfh_tsb .section}",
        "Will state agencies be able to backup it their own data out of SES? {#section_lw1_r3z_nsb .section}",
        "How long are documents kept in SES? Is there a document retention schedule? {#section_jz4_crg_tsb .section}",
        "How long are data kept in SES? Is there a data retention schedule? {#section_xdd_sqg_tsb .section}",
        "Are there fees or costs for using SES? {#section_mxb_lpg_tsb .section}",
        "Are there any hidden costs, such as a data extraction or ‘disconnect’ fee? {#section_wgs_yb1_4sb .section}",
        "Who is liable for the information in the system in the event of a security breach? {#section_jly_qpg_tsb .section}",
        "What assurances do I have that SES is appropriately safeguarding my agency’s information? {#section_slw_yqh_tsb .section}",
        "Our IT staff has specific questions about the system’s security controls. Who should we contact? {#section_cfz_dc1_4sb .section}",
        "Does SES have a mobile application? {#section_dhk_13g_tsb .section}",
        "Where can I find the technical requirements to use SES? {#section_yfb_xhg_tsb .section}",
        "Which agencies have agreed to use SES to supervise companies and process their consumer complaints? {#section_trk_gqb_tsb .section}",
        "How does the SES Consumer Complaints System differ from the CFPB consumer complaints portal? {#section_lq4_d2h_tsb .section}",
        "Does SES Consumer Complaints connect with the CFPB complaints portal? {#section_ud1_x2h_tsb .section}",
        "Does the SES Consumer Complaints System have consumer-facing functionality? {#section_vjk_x2h_tsb .section}",
        "Can state agencies enter and process complaints on non-depositories and depositories under their supervision? {#section_a1v_bfh_tsb .section}",
        "Does a company need to exist in NMLS in order to process a complaint? Some of my complaints are on unlicensed and unresponsive entities. {#section_u5c_vc1_4sb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/faq/topics/c_agency_SES_FAQ-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/faq/topics/c_agency_SES_FAQ-1.md:chunk-2",
      "title": "State Examination System \\(SES\\) Agency FAQs {#c_SES_FAQ .concept}",
      "content": "for export. While an examiner could take a screenshot of every related screen, we are well aware that is an unacceptable answer. This is a feature that is on our roadmap but is not in the immediate pipeline and still being researched for how to best implement. Each agency will be able to extract, in bulk, any documentation related to a particular exam in which they participate. Documentation includes workpapers, information request responses, and the Report of Examination.\n\n## How long are documents kept in SES? Is there a document retention schedule? \n\nThe document retention schedule in SES is governed by the **interim SES Documents and Data retention policy**. Documents in SES are retained in the system according to the following schedules:\n\n-   **Category A Schedule.** Documents in Category A will be retained for a period of ten years. This retention time period will begin to run as of the date and time the supervisory activity or complaint is closed in the system, or when the last Matters Requiring Attention is closed, whichever is later. This is referred to as the ‘Closed’ Milestone in SES. The Supervisory Activity or Complaint reach theClosed Milestone when the examiner has conducted its review of the Supervisory Activity or complaint and determines that there is no further action to be taken with that SA or Complaint. Documents will be permanently deleted from the system at the conclusion of the retention period. The attachment files under the Category A schedule are set forth below.\n    1.  All documents uploaded to the system by a regulatory agency user during a Supervisory Activity or handling of a Complaint. This includes the exchange of Information Requests in the system between agency and company users.\n    2.  Documents uploaded to the system by a company user uploaded to the system in response to the following activities only:\n        1.  A Report of Examination transmitted by a regulatory agency.\n        2.  Matters Requiring Attention as a result of",
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      "headings": [
        "State Examination System \\(SES\\) Agency FAQs {#c_SES_FAQ .concept}",
        "What is the purpose of SES? {#section_bn4_zhz_nsb .section}",
        "Would you be able to provide me any documentation for justification for the States using SES system? {#section_gf5_k3z_nsb .section}",
        "Are there any laws or regulatory requirements for States using this system like NMLS? {#section_tdy_prg_tsb .section}",
        "Does SES have any data backup and recovery procedures in place in case of a disruption of services? {#section_ip5_gfh_tsb .section}",
        "Will state agencies be able to backup it their own data out of SES? {#section_lw1_r3z_nsb .section}",
        "How long are documents kept in SES? Is there a document retention schedule? {#section_jz4_crg_tsb .section}",
        "How long are data kept in SES? Is there a data retention schedule? {#section_xdd_sqg_tsb .section}",
        "Are there fees or costs for using SES? {#section_mxb_lpg_tsb .section}",
        "Are there any hidden costs, such as a data extraction or ‘disconnect’ fee? {#section_wgs_yb1_4sb .section}",
        "Who is liable for the information in the system in the event of a security breach? {#section_jly_qpg_tsb .section}",
        "What assurances do I have that SES is appropriately safeguarding my agency’s information? {#section_slw_yqh_tsb .section}",
        "Our IT staff has specific questions about the system’s security controls. Who should we contact? {#section_cfz_dc1_4sb .section}",
        "Does SES have a mobile application? {#section_dhk_13g_tsb .section}",
        "Where can I find the technical requirements to use SES? {#section_yfb_xhg_tsb .section}",
        "Which agencies have agreed to use SES to supervise companies and process their consumer complaints? {#section_trk_gqb_tsb .section}",
        "How does the SES Consumer Complaints System differ from the CFPB consumer complaints portal? {#section_lq4_d2h_tsb .section}",
        "Does SES Consumer Complaints connect with the CFPB complaints portal? {#section_ud1_x2h_tsb .section}",
        "Does the SES Consumer Complaints System have consumer-facing functionality? {#section_vjk_x2h_tsb .section}",
        "Can state agencies enter and process complaints on non-depositories and depositories under their supervision? {#section_a1v_bfh_tsb .section}",
        "Does a company need to exist in NMLS in order to process a complaint? Some of my complaints are on unlicensed and unresponsive entities. {#section_u5c_vc1_4sb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/faq/topics/c_agency_SES_FAQ-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/faq/topics/c_agency_SES_FAQ-1.md:chunk-3",
      "title": "State Examination System \\(SES\\) Agency FAQs {#c_SES_FAQ .concept}",
      "content": "user uploaded to the system in response to the following activities only:\n        1.  A Report of Examination transmitted by a regulatory agency.\n        2.  Matters Requiring Attention as a result of a state Examination.\n        3.  An Investigation.\n        4.  A Complaint.\n-   **Category B Schedule.** Documents in Category B will be retained for a period of ninety days. This retention time period will begin to run as of the date and time the Supervisory Activity concludes and reaches the ‘Closed’ Milestone in the system or when the last Matters Requiring Attention is closed in the system, whichever is later. Documents will be permanently deleted from the system at the conclusion of the retention period.\n\n    Generally, documents subject to the Category B Schedule are any company user documents that are uploaded to the system, with the exception of documents uploaded to the system in response to a Report of Examination, MRA, Investigation or Complaint, which are subject to the Category A Schedule as defined above.\n\n## How long are data kept in SES? Is there a data retention schedule? \n\nCurrently, data are being retained indefinitely in the System. We are working on a retention schedule for all data in the System.\n\n.\n\n## Are there fees or costs for using SES? \n\nNo. SES development and operating costs are currently covered by Nationwide Multistate Licensing System & Registry processing fees. Changes to this approach would be decided by the SRR Board of Managers and the CSBS Board of Directors.\n\n## Are there any hidden costs, such as a data extraction or ‘disconnect’ fee? \n\nNo. There are no fees, hidden or otherwise, to use SES. All agencies can export exam data and records as they need to and when they need to. There is no fee for this functionality. If an agency chooses to stop using SES for any reason, they can download needed records at any time.\n\n## Who is liable for the information in the system in the event of a security breach? \n\nRefer to the**State Agency Te",
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      "headings": [
        "State Examination System \\(SES\\) Agency FAQs {#c_SES_FAQ .concept}",
        "What is the purpose of SES? {#section_bn4_zhz_nsb .section}",
        "Would you be able to provide me any documentation for justification for the States using SES system? {#section_gf5_k3z_nsb .section}",
        "Are there any laws or regulatory requirements for States using this system like NMLS? {#section_tdy_prg_tsb .section}",
        "Does SES have any data backup and recovery procedures in place in case of a disruption of services? {#section_ip5_gfh_tsb .section}",
        "Will state agencies be able to backup it their own data out of SES? {#section_lw1_r3z_nsb .section}",
        "How long are documents kept in SES? Is there a document retention schedule? {#section_jz4_crg_tsb .section}",
        "How long are data kept in SES? Is there a data retention schedule? {#section_xdd_sqg_tsb .section}",
        "Are there fees or costs for using SES? {#section_mxb_lpg_tsb .section}",
        "Are there any hidden costs, such as a data extraction or ‘disconnect’ fee? {#section_wgs_yb1_4sb .section}",
        "Who is liable for the information in the system in the event of a security breach? {#section_jly_qpg_tsb .section}",
        "What assurances do I have that SES is appropriately safeguarding my agency’s information? {#section_slw_yqh_tsb .section}",
        "Our IT staff has specific questions about the system’s security controls. Who should we contact? {#section_cfz_dc1_4sb .section}",
        "Does SES have a mobile application? {#section_dhk_13g_tsb .section}",
        "Where can I find the technical requirements to use SES? {#section_yfb_xhg_tsb .section}",
        "Which agencies have agreed to use SES to supervise companies and process their consumer complaints? {#section_trk_gqb_tsb .section}",
        "How does the SES Consumer Complaints System differ from the CFPB consumer complaints portal? {#section_lq4_d2h_tsb .section}",
        "Does SES Consumer Complaints connect with the CFPB complaints portal? {#section_ud1_x2h_tsb .section}",
        "Does the SES Consumer Complaints System have consumer-facing functionality? {#section_vjk_x2h_tsb .section}",
        "Can state agencies enter and process complaints on non-depositories and depositories under their supervision? {#section_a1v_bfh_tsb .section}",
        "Does a company need to exist in NMLS in order to process a complaint? Some of my complaints are on unlicensed and unresponsive entities. {#section_u5c_vc1_4sb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/faq/topics/c_agency_SES_FAQ-1.html",
      "snippet": null
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    {
      "id": "maps/SES/chapter/bizContent/faq/topics/c_agency_SES_FAQ-1.md:chunk-4",
      "title": "State Examination System \\(SES\\) Agency FAQs {#c_SES_FAQ .concept}",
      "content": "s to stop using SES for any reason, they can download needed records at any time.\n\n## Who is liable for the information in the system in the event of a security breach? \n\nRefer to the**State Agency Terms of Use**, specifically **Section 14 \\(c\\)** which states:\n\n> \\(C\\) In the event of a security or privacy breachState Agency authorizes SRR and SRR agrees to be solely responsible for any notification to affected individuals and any public communications regarding such breach. State Agency will assist SRR in complying with state law and SRR agrees to so comply. State Agency will be responsible, with coordination from SRR, for communications within its respective state agency or government \\(e.g. governor, attorney general\\).\n\n,\n\n## What assurances do I have that SES is appropriately safeguarding my agency’s information? \n\nSES was designed and tested to exceed the stringent security standards of a FedRAMP/FISMA Moderate-level system. Individual components are built and monitored using industry best practices, including the Center for Internet Security \\(CIS\\) and vendor best practices. Multi-factor authentication and TLS 1.2-only encrypted connections are required for access.\n\nFor more information or support, contact the Regulatory Users Group \\(RUG\\) of the NMLS Call Center at the phone number or email provided on our secure portal. Secure Portal \\(requires agency login\\).\n\n## Our IT staff has specific questions about the system’s security controls. Who should we contact? \n\nState Examination System is implemented through a combination of FedRAMP-authorized Appian Cloud \\(PaaS, Package ID: F1210011608\\) and CSBS-managed systems located in FedRAMP-authorized AWS \\(IaaS, Package ID: AGENCYAMAZONEW\\). The system is integrated with the CSBS FedRAMP-authorized Single Sign-On platform, Okta \\(SaaS, Package ID: F1512167750\\), which enforces the use of multifactor authentication \\(MFA\\) for all users. All access is via TLS v1.2-encrypted connections requiring MFA.\n\nAccounts a",
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      "headings": [
        "State Examination System \\(SES\\) Agency FAQs {#c_SES_FAQ .concept}",
        "What is the purpose of SES? {#section_bn4_zhz_nsb .section}",
        "Would you be able to provide me any documentation for justification for the States using SES system? {#section_gf5_k3z_nsb .section}",
        "Are there any laws or regulatory requirements for States using this system like NMLS? {#section_tdy_prg_tsb .section}",
        "Does SES have any data backup and recovery procedures in place in case of a disruption of services? {#section_ip5_gfh_tsb .section}",
        "Will state agencies be able to backup it their own data out of SES? {#section_lw1_r3z_nsb .section}",
        "How long are documents kept in SES? Is there a document retention schedule? {#section_jz4_crg_tsb .section}",
        "How long are data kept in SES? Is there a data retention schedule? {#section_xdd_sqg_tsb .section}",
        "Are there fees or costs for using SES? {#section_mxb_lpg_tsb .section}",
        "Are there any hidden costs, such as a data extraction or ‘disconnect’ fee? {#section_wgs_yb1_4sb .section}",
        "Who is liable for the information in the system in the event of a security breach? {#section_jly_qpg_tsb .section}",
        "What assurances do I have that SES is appropriately safeguarding my agency’s information? {#section_slw_yqh_tsb .section}",
        "Our IT staff has specific questions about the system’s security controls. Who should we contact? {#section_cfz_dc1_4sb .section}",
        "Does SES have a mobile application? {#section_dhk_13g_tsb .section}",
        "Where can I find the technical requirements to use SES? {#section_yfb_xhg_tsb .section}",
        "Which agencies have agreed to use SES to supervise companies and process their consumer complaints? {#section_trk_gqb_tsb .section}",
        "How does the SES Consumer Complaints System differ from the CFPB consumer complaints portal? {#section_lq4_d2h_tsb .section}",
        "Does SES Consumer Complaints connect with the CFPB complaints portal? {#section_ud1_x2h_tsb .section}",
        "Does the SES Consumer Complaints System have consumer-facing functionality? {#section_vjk_x2h_tsb .section}",
        "Can state agencies enter and process complaints on non-depositories and depositories under their supervision? {#section_a1v_bfh_tsb .section}",
        "Does a company need to exist in NMLS in order to process a complaint? Some of my complaints are on unlicensed and unresponsive entities. {#section_u5c_vc1_4sb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/faq/topics/c_agency_SES_FAQ-1.html",
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    {
      "id": "maps/SES/chapter/bizContent/faq/topics/c_agency_SES_FAQ-1.md:chunk-5",
      "title": "State Examination System \\(SES\\) Agency FAQs {#c_SES_FAQ .concept}",
      "content": "latform, Okta \\(SaaS, Package ID: F1512167750\\), which enforces the use of multifactor authentication \\(MFA\\) for all users. All access is via TLS v1.2-encrypted connections requiring MFA.\n\nAccounts are used for separating out the various environments for development, testing, training, production, and management. They allow for granular separation of duties and access controls. Each account also uses multiple subnets to further restrict and manage traffic.\n\nState Examination System systems are configured to a tailored CIS baseline. Operating systems include Windows 2016, CentOS Linux 7.6 and Red Hat Linux 7.6. AWS itself is configured against CIS Web Services Foundation v1.2, as well as Amazon’s own AWS Best Practices.\n\nThe system was assessed by an Accredited Third-Party Auditor to NIST 800-53 rev 4, at a FISMA Moderate level.\n\n## Does SES have a mobile application? \n\nSES is developed on the Appian™ platform, which may be accessed via a mobile app. There is no separate SES app available for download.\n\n## Where can I find the technical requirements to use SES? \n\n-   SES is a web-based application, developed on the Appian™ platform. For end users, all that is required is a browser and internet access.\n-   Additional information on the technical requirements can be found on the State Examination System Technology Requirements knowledge article.\n\n## Which agencies have agreed to use SES to supervise companies and process their consumer complaints? \n\nThe agency participation map available on www.csbs.org/aboutSES will be updated regularly to reflect current participation for both.\n\n## How does the SES Consumer Complaints System differ from the CFPB consumer complaints portal? \n\nThe systems are different in many ways because the role of state regulators in the complaints process is different from the role of federal regulators. SES Consumer Complaints supports the work that both state regulators and companies do to together resolve consumer complaints. Further, there is",
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      "headings": [
        "State Examination System \\(SES\\) Agency FAQs {#c_SES_FAQ .concept}",
        "What is the purpose of SES? {#section_bn4_zhz_nsb .section}",
        "Would you be able to provide me any documentation for justification for the States using SES system? {#section_gf5_k3z_nsb .section}",
        "Are there any laws or regulatory requirements for States using this system like NMLS? {#section_tdy_prg_tsb .section}",
        "Does SES have any data backup and recovery procedures in place in case of a disruption of services? {#section_ip5_gfh_tsb .section}",
        "Will state agencies be able to backup it their own data out of SES? {#section_lw1_r3z_nsb .section}",
        "How long are documents kept in SES? Is there a document retention schedule? {#section_jz4_crg_tsb .section}",
        "How long are data kept in SES? Is there a data retention schedule? {#section_xdd_sqg_tsb .section}",
        "Are there fees or costs for using SES? {#section_mxb_lpg_tsb .section}",
        "Are there any hidden costs, such as a data extraction or ‘disconnect’ fee? {#section_wgs_yb1_4sb .section}",
        "Who is liable for the information in the system in the event of a security breach? {#section_jly_qpg_tsb .section}",
        "What assurances do I have that SES is appropriately safeguarding my agency’s information? {#section_slw_yqh_tsb .section}",
        "Our IT staff has specific questions about the system’s security controls. Who should we contact? {#section_cfz_dc1_4sb .section}",
        "Does SES have a mobile application? {#section_dhk_13g_tsb .section}",
        "Where can I find the technical requirements to use SES? {#section_yfb_xhg_tsb .section}",
        "Which agencies have agreed to use SES to supervise companies and process their consumer complaints? {#section_trk_gqb_tsb .section}",
        "How does the SES Consumer Complaints System differ from the CFPB consumer complaints portal? {#section_lq4_d2h_tsb .section}",
        "Does SES Consumer Complaints connect with the CFPB complaints portal? {#section_ud1_x2h_tsb .section}",
        "Does the SES Consumer Complaints System have consumer-facing functionality? {#section_vjk_x2h_tsb .section}",
        "Can state agencies enter and process complaints on non-depositories and depositories under their supervision? {#section_a1v_bfh_tsb .section}",
        "Does a company need to exist in NMLS in order to process a complaint? Some of my complaints are on unlicensed and unresponsive entities. {#section_u5c_vc1_4sb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/faq/topics/c_agency_SES_FAQ-1.html",
      "snippet": null
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    {
      "id": "maps/SES/chapter/bizContent/faq/topics/c_agency_SES_FAQ-1.md:chunk-6",
      "title": "State Examination System \\(SES\\) Agency FAQs {#c_SES_FAQ .concept}",
      "content": "ocess is different from the role of federal regulators. SES Consumer Complaints supports the work that both state regulators and companies do to together resolve consumer complaints. Further, there is no publicly available data from the SES Consumer Complaints system.\n\n## Does SES Consumer Complaints connect with the CFPB complaints portal? \n\nNo, not currently. If the situation calls for it, there is a way for an agency to enter a CFPB ID unique identifier for a complaint originating from the CFPB.\n\n## Does the SES Consumer Complaints System have consumer-facing functionality? \n\nNo, not currently. Consumers will continue to notify and communicate with agencies outside of SES.\n\n## Can state agencies enter and process complaints on non-depositories and depositories under their supervision? \n\nYes, SES receives a nightly feed of non-depository company data from theNationwide Multistate Licensing System & Registry. The data source for depository-only institutions is not NMLS, but MicroStrategy and the National Information Center \\(NIC\\) database.\n\n## Does a company need to exist in NMLS in order to process a complaint? Some of my complaints are on unlicensed and unresponsive entities. \n\nIn order to communicate with a company in SES via the Information Requests process, the company must have an account in NMLS. If the entity is unreachable or unresponsive to your requests to create an account in NMLS, you may follow the “Non-NMLS Entity Entity” workflow in the system. This functionality will allow you to create the Entity, associate a Complaint to this Entity, and then close the Complaint.\n\n**Related information**  \n\nState Examination System Company Security FAQs\n\nSite Access\n\nSite Management\n\nData Use and Accessibility\n\nData Loss Prevention\n\nData Security Maintenance\n\nSite Security and Privacy\n\nPhysical Security\n\nDefinitions of Record, Documents, and Data\n\nRecord Retention and Disposition Schedule\n\nCompany Enrollment\n\nSystem Third-Party Users",
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      "headings": [
        "State Examination System \\(SES\\) Agency FAQs {#c_SES_FAQ .concept}",
        "What is the purpose of SES? {#section_bn4_zhz_nsb .section}",
        "Would you be able to provide me any documentation for justification for the States using SES system? {#section_gf5_k3z_nsb .section}",
        "Are there any laws or regulatory requirements for States using this system like NMLS? {#section_tdy_prg_tsb .section}",
        "Does SES have any data backup and recovery procedures in place in case of a disruption of services? {#section_ip5_gfh_tsb .section}",
        "Will state agencies be able to backup it their own data out of SES? {#section_lw1_r3z_nsb .section}",
        "How long are documents kept in SES? Is there a document retention schedule? {#section_jz4_crg_tsb .section}",
        "How long are data kept in SES? Is there a data retention schedule? {#section_xdd_sqg_tsb .section}",
        "Are there fees or costs for using SES? {#section_mxb_lpg_tsb .section}",
        "Are there any hidden costs, such as a data extraction or ‘disconnect’ fee? {#section_wgs_yb1_4sb .section}",
        "Who is liable for the information in the system in the event of a security breach? {#section_jly_qpg_tsb .section}",
        "What assurances do I have that SES is appropriately safeguarding my agency’s information? {#section_slw_yqh_tsb .section}",
        "Our IT staff has specific questions about the system’s security controls. Who should we contact? {#section_cfz_dc1_4sb .section}",
        "Does SES have a mobile application? {#section_dhk_13g_tsb .section}",
        "Where can I find the technical requirements to use SES? {#section_yfb_xhg_tsb .section}",
        "Which agencies have agreed to use SES to supervise companies and process their consumer complaints? {#section_trk_gqb_tsb .section}",
        "How does the SES Consumer Complaints System differ from the CFPB consumer complaints portal? {#section_lq4_d2h_tsb .section}",
        "Does SES Consumer Complaints connect with the CFPB complaints portal? {#section_ud1_x2h_tsb .section}",
        "Does the SES Consumer Complaints System have consumer-facing functionality? {#section_vjk_x2h_tsb .section}",
        "Can state agencies enter and process complaints on non-depositories and depositories under their supervision? {#section_a1v_bfh_tsb .section}",
        "Does a company need to exist in NMLS in order to process a complaint? Some of my complaints are on unlicensed and unresponsive entities. {#section_u5c_vc1_4sb .section}"
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      "title": "State Examination System \\(SES\\) Agency FAQs {#c_SES_FAQ .concept}",
      "content": "ecurity and Privacy\n\nPhysical Security\n\nDefinitions of Record, Documents, and Data\n\nRecord Retention and Disposition Schedule\n\nCompany Enrollment\n\nSystem Third-Party Users",
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      "headings": [
        "State Examination System \\(SES\\) Agency FAQs {#c_SES_FAQ .concept}",
        "What is the purpose of SES? {#section_bn4_zhz_nsb .section}",
        "Would you be able to provide me any documentation for justification for the States using SES system? {#section_gf5_k3z_nsb .section}",
        "Are there any laws or regulatory requirements for States using this system like NMLS? {#section_tdy_prg_tsb .section}",
        "Does SES have any data backup and recovery procedures in place in case of a disruption of services? {#section_ip5_gfh_tsb .section}",
        "Will state agencies be able to backup it their own data out of SES? {#section_lw1_r3z_nsb .section}",
        "How long are documents kept in SES? Is there a document retention schedule? {#section_jz4_crg_tsb .section}",
        "How long are data kept in SES? Is there a data retention schedule? {#section_xdd_sqg_tsb .section}",
        "Are there fees or costs for using SES? {#section_mxb_lpg_tsb .section}",
        "Are there any hidden costs, such as a data extraction or ‘disconnect’ fee? {#section_wgs_yb1_4sb .section}",
        "Who is liable for the information in the system in the event of a security breach? {#section_jly_qpg_tsb .section}",
        "What assurances do I have that SES is appropriately safeguarding my agency’s information? {#section_slw_yqh_tsb .section}",
        "Our IT staff has specific questions about the system’s security controls. Who should we contact? {#section_cfz_dc1_4sb .section}",
        "Does SES have a mobile application? {#section_dhk_13g_tsb .section}",
        "Where can I find the technical requirements to use SES? {#section_yfb_xhg_tsb .section}",
        "Which agencies have agreed to use SES to supervise companies and process their consumer complaints? {#section_trk_gqb_tsb .section}",
        "How does the SES Consumer Complaints System differ from the CFPB consumer complaints portal? {#section_lq4_d2h_tsb .section}",
        "Does SES Consumer Complaints connect with the CFPB complaints portal? {#section_ud1_x2h_tsb .section}",
        "Does the SES Consumer Complaints System have consumer-facing functionality? {#section_vjk_x2h_tsb .section}",
        "Can state agencies enter and process complaints on non-depositories and depositories under their supervision? {#section_a1v_bfh_tsb .section}",
        "Does a company need to exist in NMLS in order to process a complaint? Some of my complaints are on unlicensed and unresponsive entities. {#section_u5c_vc1_4sb .section}"
      ],
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      "id": "maps/SES/chapter/bizContent/faq/topics/c_agency_SES_FAQ.md:chunk-0",
      "title": "State Examination System \\(SES\\) Agency FAQs {#c_SES_FAQ .concept}",
      "content": "# State Examination System \\(SES\\) Agency FAQs \n\nFrequently Asked Questions about State Examination System.\n\n## What is the purpose of SES? \n\nThe purpose of State Examination System is to support the supervision, enforcement, investigation and complaints processes for state regulators and the companies they supervise. The main goals of SES are as follows:\n\n-   **Standardize the supervisory process.** SES will be the first nationwide system of its kind, powered by technology that will allow for greater information sharing amongst state regulatory agencies. The promotion of best practices across state agencies will result in the standardization of supervisory practices which will in turn reduce the volume of state examinations, and save time, costs, and travel for regulators and the industry.\n-   **Foster collaboration amongst state agencies.** SES will encourage multi-state supervision and allow regulators to eliminate duplicative supervisory efforts. In addition, state agencies will have the ability in the system to access one another’s supervisory schedules which will allow them to make better use of their time and resources.\n-   **Offer readily available risk-based data.** SES will offer state regulators an impressive uniform and nationwide set of data they can use to analyze macro and micro trends in the financial system. The Risk-based analytics approach in SES will allow state agencies to respond to risks, tailor supervision programs across industries, and continually refine the supervision process through informed metrics.\n-   **Safeguard sensitive information.** SES has safeguards in place to protect the sensitive information that is stored and exchanged in the system. Using a single, secure platform to exchange supervisory information will improve the overall security of the state regulatory process.\n\n## Would you be able to provide me any documentation for justification for the States using SES system? \n\nEach agency’s justification for using SES will differ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\faq\\topics\\c_agency_SES_FAQ.md",
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      "headings": [
        "State Examination System \\(SES\\) Agency FAQs {#c_SES_FAQ .concept}",
        "What is the purpose of SES? {#section_bn4_zhz_nsb .section}",
        "Would you be able to provide me any documentation for justification for the States using SES system? {#section_gf5_k3z_nsb .section}",
        "Are there any laws or regulatory requirements for States using this system like NMLS? {#section_tdy_prg_tsb .section}",
        "Does SES have any data backup and recovery procedures in place in case of a disruption of services? {#section_ip5_gfh_tsb .section}",
        "Will state agencies be able to backup it their own data out of SES? {#section_lw1_r3z_nsb .section}",
        "How long are documents kept in SES? Is there a document retention schedule? {#section_jz4_crg_tsb .section}",
        "How long are data kept in SES? Is there a data retention schedule? {#section_xdd_sqg_tsb .section}",
        "Are there fees or costs for using SES? {#section_mxb_lpg_tsb .section}",
        "Are there any hidden costs, such as a data extraction or ‘disconnect’ fee? {#section_wgs_yb1_4sb .section}",
        "Who is liable for the information in the system in the event of a security breach? {#section_jly_qpg_tsb .section}",
        "What assurances do I have that SES is appropriately safeguarding my agency’s information? {#section_slw_yqh_tsb .section}",
        "Our IT staff has specific questions about the system’s security controls. Who should we contact? {#section_cfz_dc1_4sb .section}",
        "Does SES have a mobile application? {#section_dhk_13g_tsb .section}",
        "Where can I find the technical requirements to use SES? {#section_yfb_xhg_tsb .section}",
        "Which agencies have agreed to use SES to supervise companies and process their consumer complaints? {#section_trk_gqb_tsb .section}",
        "How does the SES Consumer Complaints System differ from the CFPB consumer complaints portal? {#section_lq4_d2h_tsb .section}",
        "Does SES Consumer Complaints connect with the CFPB complaints portal? {#section_ud1_x2h_tsb .section}",
        "Does the SES Consumer Complaints System have consumer-facing functionality? {#section_vjk_x2h_tsb .section}",
        "Can state agencies enter and process complaints on non-depositories and depositories under their supervision? {#section_a1v_bfh_tsb .section}",
        "Does a company need to exist in NMLS in order to process a complaint? Some of my complaints are on unlicensed and unresponsive entities. {#section_u5c_vc1_4sb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/faq/topics/c_agency_SES_FAQ.html",
      "snippet": null
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    {
      "id": "maps/SES/chapter/bizContent/faq/topics/c_agency_SES_FAQ.md:chunk-1",
      "title": "State Examination System \\(SES\\) Agency FAQs {#c_SES_FAQ .concept}",
      "content": "curity of the state regulatory process.\n\n## Would you be able to provide me any documentation for justification for the States using SES system? \n\nEach agency’s justification for using SES will differ somewhat, but the benefits listed above will apply to most agencies. CSBS firmly believes that state agencies using the system will greatly benefit from reduced costs, reduced travel, and time / resource-saving advantages as they will be using a standardized, no-cost system which will give them unique access to nationwide supervision information, risk-based data, and the ability to share best practices. Beyond benefits to state agencies, SES will bring transparency, consistency, and accountability to the supervisory process, all of which will reduce burden experienced by supervised companies. These benefits will only be enhanced as more agencies continue to implement SES as their primary supervision system.\n\n## Are there any laws or regulatory requirements for States using this system like NMLS? \n\nUnlike the Nationwide Multistate Licensing System & Registry, state agencies are not required to pass state legislation or regulation to use the system. The use of the system by state agencies is discretionary.\n\n## Does SES have any data backup and recovery procedures in place in case of a disruption of services? \n\nYes. SES was developed with industry-standard backup and recovery requirements. Due to security considerations, details are available upon request.\n\n## Will state agencies be able to backup it their own data out of SES? \n\nEach agency \\(or agencies if it is a Multi-state Examinations\\) will have full access to the documents uploaded to SES from the supervised company subject to the examination. Exam data entered into the SES system on screens is currently not available for export. While an examiner could take a screenshot of every related screen, we are well aware that is an unacceptable answer. This is a feature that is on our roadmap but is not in the immediate pi",
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      "relative_path": "maps\\SES\\chapter\\bizContent\\faq\\topics\\c_agency_SES_FAQ.md",
      "headings": [
        "State Examination System \\(SES\\) Agency FAQs {#c_SES_FAQ .concept}",
        "What is the purpose of SES? {#section_bn4_zhz_nsb .section}",
        "Would you be able to provide me any documentation for justification for the States using SES system? {#section_gf5_k3z_nsb .section}",
        "Are there any laws or regulatory requirements for States using this system like NMLS? {#section_tdy_prg_tsb .section}",
        "Does SES have any data backup and recovery procedures in place in case of a disruption of services? {#section_ip5_gfh_tsb .section}",
        "Will state agencies be able to backup it their own data out of SES? {#section_lw1_r3z_nsb .section}",
        "How long are documents kept in SES? Is there a document retention schedule? {#section_jz4_crg_tsb .section}",
        "How long are data kept in SES? Is there a data retention schedule? {#section_xdd_sqg_tsb .section}",
        "Are there fees or costs for using SES? {#section_mxb_lpg_tsb .section}",
        "Are there any hidden costs, such as a data extraction or ‘disconnect’ fee? {#section_wgs_yb1_4sb .section}",
        "Who is liable for the information in the system in the event of a security breach? {#section_jly_qpg_tsb .section}",
        "What assurances do I have that SES is appropriately safeguarding my agency’s information? {#section_slw_yqh_tsb .section}",
        "Our IT staff has specific questions about the system’s security controls. Who should we contact? {#section_cfz_dc1_4sb .section}",
        "Does SES have a mobile application? {#section_dhk_13g_tsb .section}",
        "Where can I find the technical requirements to use SES? {#section_yfb_xhg_tsb .section}",
        "Which agencies have agreed to use SES to supervise companies and process their consumer complaints? {#section_trk_gqb_tsb .section}",
        "How does the SES Consumer Complaints System differ from the CFPB consumer complaints portal? {#section_lq4_d2h_tsb .section}",
        "Does SES Consumer Complaints connect with the CFPB complaints portal? {#section_ud1_x2h_tsb .section}",
        "Does the SES Consumer Complaints System have consumer-facing functionality? {#section_vjk_x2h_tsb .section}",
        "Can state agencies enter and process complaints on non-depositories and depositories under their supervision? {#section_a1v_bfh_tsb .section}",
        "Does a company need to exist in NMLS in order to process a complaint? Some of my complaints are on unlicensed and unresponsive entities. {#section_u5c_vc1_4sb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/faq/topics/c_agency_SES_FAQ.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/faq/topics/c_agency_SES_FAQ.md:chunk-2",
      "title": "State Examination System \\(SES\\) Agency FAQs {#c_SES_FAQ .concept}",
      "content": "for export. While an examiner could take a screenshot of every related screen, we are well aware that is an unacceptable answer. This is a feature that is on our roadmap but is not in the immediate pipeline and still being researched for how to best implement. Each agency will be able to extract, in bulk, any documentation related to a particular exam in which they participate. Documentation includes workpapers, information request responses, and the Report of Examination.\n\n## How long are documents kept in SES? Is there a document retention schedule? \n\nThe document retention schedule in SES is governed by the **interim SES Documents and Data retention policy**. Documents in SES are retained in the system according to the following schedules:\n\n-   **Category A Schedule.** Documents in Category A will be retained for a period of ten years. This retention time period will begin to run as of the date and time the supervisory activity or complaint is closed in the system, or when the last Matters Requiring Attention is closed, whichever is later. This is referred to as the ‘Closed’ Milestone in SES. The Supervisory Activity or Complaint reach theClosed Milestone when the examiner has conducted its review of the Supervisory Activity or complaint and determines that there is no further action to be taken with that SA or Complaint. Documents will be permanently deleted from the system at the conclusion of the retention period. The attachment files under the Category A schedule are set forth below.\n    1.  All documents uploaded to the system by a regulatory agency user during a Supervisory Activity or handling of a Complaint. This includes the exchange of Information Requests in the system between agency and company users.\n    2.  Documents uploaded to the system by a company user uploaded to the system in response to the following activities only:\n        1.  A Report of Examination transmitted by a regulatory agency.\n        2.  Matters Requiring Attention as a result of",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\faq\\topics\\c_agency_SES_FAQ.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\faq\\topics\\c_agency_SES_FAQ.md",
      "headings": [
        "State Examination System \\(SES\\) Agency FAQs {#c_SES_FAQ .concept}",
        "What is the purpose of SES? {#section_bn4_zhz_nsb .section}",
        "Would you be able to provide me any documentation for justification for the States using SES system? {#section_gf5_k3z_nsb .section}",
        "Are there any laws or regulatory requirements for States using this system like NMLS? {#section_tdy_prg_tsb .section}",
        "Does SES have any data backup and recovery procedures in place in case of a disruption of services? {#section_ip5_gfh_tsb .section}",
        "Will state agencies be able to backup it their own data out of SES? {#section_lw1_r3z_nsb .section}",
        "How long are documents kept in SES? Is there a document retention schedule? {#section_jz4_crg_tsb .section}",
        "How long are data kept in SES? Is there a data retention schedule? {#section_xdd_sqg_tsb .section}",
        "Are there fees or costs for using SES? {#section_mxb_lpg_tsb .section}",
        "Are there any hidden costs, such as a data extraction or ‘disconnect’ fee? {#section_wgs_yb1_4sb .section}",
        "Who is liable for the information in the system in the event of a security breach? {#section_jly_qpg_tsb .section}",
        "What assurances do I have that SES is appropriately safeguarding my agency’s information? {#section_slw_yqh_tsb .section}",
        "Our IT staff has specific questions about the system’s security controls. Who should we contact? {#section_cfz_dc1_4sb .section}",
        "Does SES have a mobile application? {#section_dhk_13g_tsb .section}",
        "Where can I find the technical requirements to use SES? {#section_yfb_xhg_tsb .section}",
        "Which agencies have agreed to use SES to supervise companies and process their consumer complaints? {#section_trk_gqb_tsb .section}",
        "How does the SES Consumer Complaints System differ from the CFPB consumer complaints portal? {#section_lq4_d2h_tsb .section}",
        "Does SES Consumer Complaints connect with the CFPB complaints portal? {#section_ud1_x2h_tsb .section}",
        "Does the SES Consumer Complaints System have consumer-facing functionality? {#section_vjk_x2h_tsb .section}",
        "Can state agencies enter and process complaints on non-depositories and depositories under their supervision? {#section_a1v_bfh_tsb .section}",
        "Does a company need to exist in NMLS in order to process a complaint? Some of my complaints are on unlicensed and unresponsive entities. {#section_u5c_vc1_4sb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/faq/topics/c_agency_SES_FAQ.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/faq/topics/c_agency_SES_FAQ.md:chunk-3",
      "title": "State Examination System \\(SES\\) Agency FAQs {#c_SES_FAQ .concept}",
      "content": "user uploaded to the system in response to the following activities only:\n        1.  A Report of Examination transmitted by a regulatory agency.\n        2.  Matters Requiring Attention as a result of a state Examination.\n        3.  An Investigation.\n        4.  A Complaint.\n-   **Category B Schedule.** Documents in Category B will be retained for a period of ninety days. This retention time period will begin to run as of the date and time the Supervisory Activity concludes and reaches the ‘Closed’ Milestone in the system or when the last Matters Requiring Attention is closed in the system, whichever is later. Documents will be permanently deleted from the system at the conclusion of the retention period.\n\n    Generally, documents subject to the Category B Schedule are any company user documents that are uploaded to the system, with the exception of documents uploaded to the system in response to a Report of Examination, MRA, Investigation or Complaint, which are subject to the Category A Schedule as defined above.\n\n## How long are data kept in SES? Is there a data retention schedule? \n\nCurrently, data are being retained indefinitely in the System. We are working on a retention schedule for all data in the System.\n\n.\n\n## Are there fees or costs for using SES? \n\nNo. SES development and operating costs are currently covered by Nationwide Multistate Licensing System & Registry processing fees. Changes to this approach would be decided by the SRR Board of Managers and the CSBS Board of Directors.\n\n## Are there any hidden costs, such as a data extraction or ‘disconnect’ fee? \n\nNo. There are no fees, hidden or otherwise, to use SES. All agencies can export exam data and records as they need to and when they need to. There is no fee for this functionality. If an agency chooses to stop using SES for any reason, they can download needed records at any time.\n\n## Who is liable for the information in the system in the event of a security breach? \n\nRefer to the**State Agency Te",
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      "headings": [
        "State Examination System \\(SES\\) Agency FAQs {#c_SES_FAQ .concept}",
        "What is the purpose of SES? {#section_bn4_zhz_nsb .section}",
        "Would you be able to provide me any documentation for justification for the States using SES system? {#section_gf5_k3z_nsb .section}",
        "Are there any laws or regulatory requirements for States using this system like NMLS? {#section_tdy_prg_tsb .section}",
        "Does SES have any data backup and recovery procedures in place in case of a disruption of services? {#section_ip5_gfh_tsb .section}",
        "Will state agencies be able to backup it their own data out of SES? {#section_lw1_r3z_nsb .section}",
        "How long are documents kept in SES? Is there a document retention schedule? {#section_jz4_crg_tsb .section}",
        "How long are data kept in SES? Is there a data retention schedule? {#section_xdd_sqg_tsb .section}",
        "Are there fees or costs for using SES? {#section_mxb_lpg_tsb .section}",
        "Are there any hidden costs, such as a data extraction or ‘disconnect’ fee? {#section_wgs_yb1_4sb .section}",
        "Who is liable for the information in the system in the event of a security breach? {#section_jly_qpg_tsb .section}",
        "What assurances do I have that SES is appropriately safeguarding my agency’s information? {#section_slw_yqh_tsb .section}",
        "Our IT staff has specific questions about the system’s security controls. Who should we contact? {#section_cfz_dc1_4sb .section}",
        "Does SES have a mobile application? {#section_dhk_13g_tsb .section}",
        "Where can I find the technical requirements to use SES? {#section_yfb_xhg_tsb .section}",
        "Which agencies have agreed to use SES to supervise companies and process their consumer complaints? {#section_trk_gqb_tsb .section}",
        "How does the SES Consumer Complaints System differ from the CFPB consumer complaints portal? {#section_lq4_d2h_tsb .section}",
        "Does SES Consumer Complaints connect with the CFPB complaints portal? {#section_ud1_x2h_tsb .section}",
        "Does the SES Consumer Complaints System have consumer-facing functionality? {#section_vjk_x2h_tsb .section}",
        "Can state agencies enter and process complaints on non-depositories and depositories under their supervision? {#section_a1v_bfh_tsb .section}",
        "Does a company need to exist in NMLS in order to process a complaint? Some of my complaints are on unlicensed and unresponsive entities. {#section_u5c_vc1_4sb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/faq/topics/c_agency_SES_FAQ.html",
      "snippet": null
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    {
      "id": "maps/SES/chapter/bizContent/faq/topics/c_agency_SES_FAQ.md:chunk-4",
      "title": "State Examination System \\(SES\\) Agency FAQs {#c_SES_FAQ .concept}",
      "content": "s to stop using SES for any reason, they can download needed records at any time.\n\n## Who is liable for the information in the system in the event of a security breach? \n\nRefer to the**State Agency Terms of Use**, specifically **Section 14 \\(c\\)** which states:\n\n> \\(C\\) In the event of a security or privacy breachState Agency authorizes SRR and SRR agrees to be solely responsible for any notification to affected individuals and any public communications regarding such breach. State Agency will assist SRR in complying with state law and SRR agrees to so comply. State Agency will be responsible, with coordination from SRR, for communications within its respective state agency or government \\(e.g. governor, attorney general\\).\n\n,\n\n## What assurances do I have that SES is appropriately safeguarding my agency’s information? \n\nSES was designed and tested to exceed the stringent security standards of a FedRAMP/FISMA Moderate-level system. Individual components are built and monitored using industry best practices, including the Center for Internet Security \\(CIS\\) and vendor best practices. Multi-factor authentication and TLS 1.2-only encrypted connections are required for access.\n\nFor more information or support, contact the Regulatory Users Group \\(RUG\\) of the NMLS Call Center at the phone number or email provided on our secure portal. Secure Portal \\(requires agency login\\).\n\n## Our IT staff has specific questions about the system’s security controls. Who should we contact? \n\nState Examination System is implemented through a combination of FedRAMP-authorized Appian Cloud \\(PaaS, Package ID: F1210011608\\) and CSBS-managed systems located in FedRAMP-authorized AWS \\(IaaS, Package ID: AGENCYAMAZONEW\\). The system is integrated with the CSBS FedRAMP-authorized Single Sign-On platform, Okta \\(SaaS, Package ID: F1512167750\\), which enforces the use of multifactor authentication \\(MFA\\) for all users. All access is via TLS v1.2-encrypted connections requiring MFA.\n\nAccounts a",
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      "relative_path": "maps\\SES\\chapter\\bizContent\\faq\\topics\\c_agency_SES_FAQ.md",
      "headings": [
        "State Examination System \\(SES\\) Agency FAQs {#c_SES_FAQ .concept}",
        "What is the purpose of SES? {#section_bn4_zhz_nsb .section}",
        "Would you be able to provide me any documentation for justification for the States using SES system? {#section_gf5_k3z_nsb .section}",
        "Are there any laws or regulatory requirements for States using this system like NMLS? {#section_tdy_prg_tsb .section}",
        "Does SES have any data backup and recovery procedures in place in case of a disruption of services? {#section_ip5_gfh_tsb .section}",
        "Will state agencies be able to backup it their own data out of SES? {#section_lw1_r3z_nsb .section}",
        "How long are documents kept in SES? Is there a document retention schedule? {#section_jz4_crg_tsb .section}",
        "How long are data kept in SES? Is there a data retention schedule? {#section_xdd_sqg_tsb .section}",
        "Are there fees or costs for using SES? {#section_mxb_lpg_tsb .section}",
        "Are there any hidden costs, such as a data extraction or ‘disconnect’ fee? {#section_wgs_yb1_4sb .section}",
        "Who is liable for the information in the system in the event of a security breach? {#section_jly_qpg_tsb .section}",
        "What assurances do I have that SES is appropriately safeguarding my agency’s information? {#section_slw_yqh_tsb .section}",
        "Our IT staff has specific questions about the system’s security controls. Who should we contact? {#section_cfz_dc1_4sb .section}",
        "Does SES have a mobile application? {#section_dhk_13g_tsb .section}",
        "Where can I find the technical requirements to use SES? {#section_yfb_xhg_tsb .section}",
        "Which agencies have agreed to use SES to supervise companies and process their consumer complaints? {#section_trk_gqb_tsb .section}",
        "How does the SES Consumer Complaints System differ from the CFPB consumer complaints portal? {#section_lq4_d2h_tsb .section}",
        "Does SES Consumer Complaints connect with the CFPB complaints portal? {#section_ud1_x2h_tsb .section}",
        "Does the SES Consumer Complaints System have consumer-facing functionality? {#section_vjk_x2h_tsb .section}",
        "Can state agencies enter and process complaints on non-depositories and depositories under their supervision? {#section_a1v_bfh_tsb .section}",
        "Does a company need to exist in NMLS in order to process a complaint? Some of my complaints are on unlicensed and unresponsive entities. {#section_u5c_vc1_4sb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/faq/topics/c_agency_SES_FAQ.html",
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    {
      "id": "maps/SES/chapter/bizContent/faq/topics/c_agency_SES_FAQ.md:chunk-5",
      "title": "State Examination System \\(SES\\) Agency FAQs {#c_SES_FAQ .concept}",
      "content": "latform, Okta \\(SaaS, Package ID: F1512167750\\), which enforces the use of multifactor authentication \\(MFA\\) for all users. All access is via TLS v1.2-encrypted connections requiring MFA.\n\nAccounts are used for separating out the various environments for development, testing, training, production, and management. They allow for granular separation of duties and access controls. Each account also uses multiple subnets to further restrict and manage traffic.\n\nState Examination System systems are configured to a tailored CIS baseline. Operating systems include Windows 2016, CentOS Linux 7.6 and Red Hat Linux 7.6. AWS itself is configured against CIS Web Services Foundation v1.2, as well as Amazon’s own AWS Best Practices.\n\nThe system was assessed by an Accredited Third-Party Auditor to NIST 800-53 rev 4, at a FISMA Moderate level.\n\n## Does SES have a mobile application? \n\nSES is developed on the Appian™ platform, which may be accessed via a mobile app. There is no separate SES app available for download.\n\n## Where can I find the technical requirements to use SES? \n\n-   SES is a web-based application, developed on the Appian™ platform. For end users, all that is required is a browser and internet access.\n-   Additional information on the technical requirements can be found on the State Examination System Technology Requirements knowledge article.\n\n## Which agencies have agreed to use SES to supervise companies and process their consumer complaints? \n\nThe agency participation map available on www.csbs.org/aboutSES will be updated regularly to reflect current participation for both.\n\n## How does the SES Consumer Complaints System differ from the CFPB consumer complaints portal? \n\nThe systems are different in many ways because the role of state regulators in the complaints process is different from the role of federal regulators. SES Consumer Complaints supports the work that both state regulators and companies do to together resolve consumer complaints. Further, there is",
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      "relative_path": "maps\\SES\\chapter\\bizContent\\faq\\topics\\c_agency_SES_FAQ.md",
      "headings": [
        "State Examination System \\(SES\\) Agency FAQs {#c_SES_FAQ .concept}",
        "What is the purpose of SES? {#section_bn4_zhz_nsb .section}",
        "Would you be able to provide me any documentation for justification for the States using SES system? {#section_gf5_k3z_nsb .section}",
        "Are there any laws or regulatory requirements for States using this system like NMLS? {#section_tdy_prg_tsb .section}",
        "Does SES have any data backup and recovery procedures in place in case of a disruption of services? {#section_ip5_gfh_tsb .section}",
        "Will state agencies be able to backup it their own data out of SES? {#section_lw1_r3z_nsb .section}",
        "How long are documents kept in SES? Is there a document retention schedule? {#section_jz4_crg_tsb .section}",
        "How long are data kept in SES? Is there a data retention schedule? {#section_xdd_sqg_tsb .section}",
        "Are there fees or costs for using SES? {#section_mxb_lpg_tsb .section}",
        "Are there any hidden costs, such as a data extraction or ‘disconnect’ fee? {#section_wgs_yb1_4sb .section}",
        "Who is liable for the information in the system in the event of a security breach? {#section_jly_qpg_tsb .section}",
        "What assurances do I have that SES is appropriately safeguarding my agency’s information? {#section_slw_yqh_tsb .section}",
        "Our IT staff has specific questions about the system’s security controls. Who should we contact? {#section_cfz_dc1_4sb .section}",
        "Does SES have a mobile application? {#section_dhk_13g_tsb .section}",
        "Where can I find the technical requirements to use SES? {#section_yfb_xhg_tsb .section}",
        "Which agencies have agreed to use SES to supervise companies and process their consumer complaints? {#section_trk_gqb_tsb .section}",
        "How does the SES Consumer Complaints System differ from the CFPB consumer complaints portal? {#section_lq4_d2h_tsb .section}",
        "Does SES Consumer Complaints connect with the CFPB complaints portal? {#section_ud1_x2h_tsb .section}",
        "Does the SES Consumer Complaints System have consumer-facing functionality? {#section_vjk_x2h_tsb .section}",
        "Can state agencies enter and process complaints on non-depositories and depositories under their supervision? {#section_a1v_bfh_tsb .section}",
        "Does a company need to exist in NMLS in order to process a complaint? Some of my complaints are on unlicensed and unresponsive entities. {#section_u5c_vc1_4sb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/faq/topics/c_agency_SES_FAQ.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/faq/topics/c_agency_SES_FAQ.md:chunk-6",
      "title": "State Examination System \\(SES\\) Agency FAQs {#c_SES_FAQ .concept}",
      "content": "ocess is different from the role of federal regulators. SES Consumer Complaints supports the work that both state regulators and companies do to together resolve consumer complaints. Further, there is no publicly available data from the SES Consumer Complaints system.\n\n## Does SES Consumer Complaints connect with the CFPB complaints portal? \n\nNo, not currently. If the situation calls for it, there is a way for an agency to enter a CFPB ID unique identifier for a complaint originating from the CFPB.\n\n## Does the SES Consumer Complaints System have consumer-facing functionality? \n\nNo, not currently. Consumers will continue to notify and communicate with agencies outside of SES.\n\n## Can state agencies enter and process complaints on non-depositories and depositories under their supervision? \n\nYes, SES receives a nightly feed of non-depository company data from theNationwide Multistate Licensing System & Registry. The data source for depository-only institutions is not NMLS, but MicroStrategy and the National Information Center \\(NIC\\) database.\n\n## Does a company need to exist in NMLS in order to process a complaint? Some of my complaints are on unlicensed and unresponsive entities. \n\nIn order to communicate with a company in SES via the Information Requests process, the company must have an account in NMLS. If the entity is unreachable or unresponsive to your requests to create an account in NMLS, you may follow the “Non-NMLS Entity Entity” workflow in the system. This functionality will allow you to create the Entity, associate a Complaint to this Entity, and then close the Complaint.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\faq\\topics\\c_agency_SES_FAQ.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\faq\\topics\\c_agency_SES_FAQ.md",
      "headings": [
        "State Examination System \\(SES\\) Agency FAQs {#c_SES_FAQ .concept}",
        "What is the purpose of SES? {#section_bn4_zhz_nsb .section}",
        "Would you be able to provide me any documentation for justification for the States using SES system? {#section_gf5_k3z_nsb .section}",
        "Are there any laws or regulatory requirements for States using this system like NMLS? {#section_tdy_prg_tsb .section}",
        "Does SES have any data backup and recovery procedures in place in case of a disruption of services? {#section_ip5_gfh_tsb .section}",
        "Will state agencies be able to backup it their own data out of SES? {#section_lw1_r3z_nsb .section}",
        "How long are documents kept in SES? Is there a document retention schedule? {#section_jz4_crg_tsb .section}",
        "How long are data kept in SES? Is there a data retention schedule? {#section_xdd_sqg_tsb .section}",
        "Are there fees or costs for using SES? {#section_mxb_lpg_tsb .section}",
        "Are there any hidden costs, such as a data extraction or ‘disconnect’ fee? {#section_wgs_yb1_4sb .section}",
        "Who is liable for the information in the system in the event of a security breach? {#section_jly_qpg_tsb .section}",
        "What assurances do I have that SES is appropriately safeguarding my agency’s information? {#section_slw_yqh_tsb .section}",
        "Our IT staff has specific questions about the system’s security controls. Who should we contact? {#section_cfz_dc1_4sb .section}",
        "Does SES have a mobile application? {#section_dhk_13g_tsb .section}",
        "Where can I find the technical requirements to use SES? {#section_yfb_xhg_tsb .section}",
        "Which agencies have agreed to use SES to supervise companies and process their consumer complaints? {#section_trk_gqb_tsb .section}",
        "How does the SES Consumer Complaints System differ from the CFPB consumer complaints portal? {#section_lq4_d2h_tsb .section}",
        "Does SES Consumer Complaints connect with the CFPB complaints portal? {#section_ud1_x2h_tsb .section}",
        "Does the SES Consumer Complaints System have consumer-facing functionality? {#section_vjk_x2h_tsb .section}",
        "Can state agencies enter and process complaints on non-depositories and depositories under their supervision? {#section_a1v_bfh_tsb .section}",
        "Does a company need to exist in NMLS in order to process a complaint? Some of my complaints are on unlicensed and unresponsive entities. {#section_u5c_vc1_4sb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/faq/topics/c_agency_SES_FAQ.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/faq/topics/c_company_SES_FAQ-1.md:chunk-0",
      "title": "State Examination System \\(SES\\) Industry FAQs {#c_company_SES_FAQ .concept}",
      "content": "# State Examination System \\(SES\\) Industry FAQs \n\nFrequently Asked Questions about State Examination System.\n\n## What is SES and what does it do? \n\nSES is a one-stop-shop for the financial services industry that brings a company’s entire engagement with state regulators onto a single platform, which in turn brings efficiencies to state supervision.\n\nThe purpose of State Examination System is to support the supervision, enforcement, investigation and complaints processes for state regulators and the companies they supervise. The main goals of SES are as follows:\n\n-   **Standardize the supervisory process.** SES will be the first nationwide system of its kind, powered by technology that will allow for greater information sharing amongst state regulatory agencies. The promotion of best practices across state agencies will result in the standardization of supervisory practices which will in turn reduce the volume of state examinations, and save time, costs, and travel for regulators and the industry.\n-   **Foster collaboration amongst state agencies.** SES will encourage multi-state supervision and allow regulators to eliminate duplicative supervisory efforts. In addition, state agencies will have the ability in the system to access one another’s supervisory schedules which will allow them to make better use of their time and resources.\n-   **Offer readily available risk-based data.** SES will offer state regulators an impressive uniform and nationwide set of data they can use to analyze macro and micro trends in the financial system. The Risk-based analytics approach in SES will allow state agencies to respond to risks, tailor supervision programs across industries, and continually refine the supervision process through informed metrics.\n-   **Safeguard sensitive information.** SES has safeguards in place to protect the sensitive information that is stored and exchanged in the system. Using a single, secure platform to exchange supervisory information will improve the",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\faq\\topics\\c_company_SES_FAQ-1.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\faq\\topics\\c_company_SES_FAQ-1.md",
      "headings": [
        "State Examination System \\(SES\\) Industry FAQs {#c_company_SES_FAQ .concept}",
        "What is SES and what does it do? {#section_q4x_dnb_tsb .section}",
        "Is SES still in development? {#section_qlg_y4b_tsb .section}",
        "Which agencies have agreed to use SES to supervise companies and process their consumer complaints? {#section_z32_1bg_tsb .section}",
        "What information can state agencies share in SES? {#section_cwm_hqb_tsb .section}",
        "Are there any laws or regulatory requirements for States using this system like NMLS? {#section_wzn_qrg_tsb .section}",
        "How does a company get access to SES? {#section_zbf_kqb_tsb .section}",
        "Once a company gets access to SES, do they need multiple logins to access the supervisory side of the system and the complaints side of the system? {#section_a2y_nqb_tsb .section}",
        "I am associated with more than one company; do I need several logins to access the different company profiles in SES? {#section_rkl_4qb_tsb .section}",
        "Where can I find training material on SES? {#section_pfg_pqb_tsb .section}",
        "How long are documents kept in SES? Is there a document retention schedule? {#section_uxk_brg_tsb .section}",
        "How long are data kept in SES? Is there a data retention schedule? {#section_tfx_pqg_tsb .section}",
        "Are there fees or costs for using SES? {#section_jfl_npg_tsb .section}",
        "Are SES and SES Consumer Complaints different systems? {#section_m2y_5qb_tsb .section}",
        "Is any of the information in SES Consumer Complaints publicly available? {#section_t1b_wqb_tsb .section}",
        "How does the SES Consumer Complaints System differ from the CFPB consumer complaints portal? {#section_ixy_f2h_tsb .section}",
        "Does SES Consumer Complaints connect with the CFPB complaints portal? {#section_uvp_y2h_tsb .section}",
        "Does the SES Consumer Complaints System have consumer-facing functionality? {#section_cq1_z2h_tsb .section}",
        "Can federal regulators see complaints in SES? {#section_avy_yqb_tsb .section}",
        "Can state agencies enter and process complaints on non-depositories and depositories under their supervision? {#section_q5p_cfh_tsb .section}",
        "Do I have to create an account in SES in order to respond to a consumer complaint? {#section_fdc_crb_tsb .section}",
        "How will I be notified of a new complaint on my company? Can I get started now? {#section_qfl_drb_tsb .section}",
        "How long will I have to respond to the complaint in SES? {#section_e5r_2rb_tsb .section}",
        "Will I be notified when the complaint is closed? {#section_jsq_frb_tsb .section}",
        "Does SES have any data backup and recovery procedures in place in case of a disruption of services? {#section_lnk_3fh_tsb .section}",
        "Will SES users be able to backup their own data out of SES? {#section_p2f_hrb_tsb .section}",
        "Who is liable for the information in the system in the event of a security breach? {#section_yqj_spg_tsb .section}",
        "What assurances do I have that SES is appropriately safeguarding my agency’s information? {#section_sjr_zqh_tsb .section}",
        "Does SES have a mobile application? {#section_uyx_13g_tsb .section}",
        "Where can I find the technical requirements to use SES? {#section_kwv_xhg_tsb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/faq/topics/c_company_SES_FAQ-1.html",
      "snippet": null
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    {
      "id": "maps/SES/chapter/bizContent/faq/topics/c_company_SES_FAQ-1.md:chunk-1",
      "title": "State Examination System \\(SES\\) Industry FAQs {#c_company_SES_FAQ .concept}",
      "content": "ion.** SES has safeguards in place to protect the sensitive information that is stored and exchanged in the system. Using a single, secure platform to exchange supervisory information will improve the overall security of the state regulatory process.\n\n## Is SES still in development? \n\nSES is live and in production. We continuously update and make enhancements to the system, but it is live and being implemented by state agencies nationwide.\n\n## Which agencies have agreed to use SES to supervise companies and process their consumer complaints? \n\nThe agency participation map available on www.csbs.org/aboutSES will be updated regularly to reflect current participation for both.\n\n## What information can state agencies share in SES? \n\nState agencies using SES can share information regarding an examination, investigation, or consumer complaint in the system. Information sharing in the system is performed in a controlled manner. To get access to certain information and documentation in the system, the state agency owner of that record must first grant access to the requesting agency in the system. State agencies may also conduct multistate examination in SES.\n\n## Are there any laws or regulatory requirements for States using this system like NMLS? \n\nUnlike the Nationwide Multistate Licensing System & Registry, state agencies are not required to pass state legislation or regulation to use the system. The use of the system by state agencies is discretionary.\n\n## How does a company get access to SES? \n\nA company must first receive a request from a state agency to enroll in SES. This usually occurs prior to the start of an examination in SES, or to route a consumer complaint to the company in SES. The company does not have to take any action or steps until they receive the enrollment request from a state agency. Further, a company only needs to go through the system enrollment process once. Once they are in the system, other state agencies will see the company in SES and be abl",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\faq\\topics\\c_company_SES_FAQ-1.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\faq\\topics\\c_company_SES_FAQ-1.md",
      "headings": [
        "State Examination System \\(SES\\) Industry FAQs {#c_company_SES_FAQ .concept}",
        "What is SES and what does it do? {#section_q4x_dnb_tsb .section}",
        "Is SES still in development? {#section_qlg_y4b_tsb .section}",
        "Which agencies have agreed to use SES to supervise companies and process their consumer complaints? {#section_z32_1bg_tsb .section}",
        "What information can state agencies share in SES? {#section_cwm_hqb_tsb .section}",
        "Are there any laws or regulatory requirements for States using this system like NMLS? {#section_wzn_qrg_tsb .section}",
        "How does a company get access to SES? {#section_zbf_kqb_tsb .section}",
        "Once a company gets access to SES, do they need multiple logins to access the supervisory side of the system and the complaints side of the system? {#section_a2y_nqb_tsb .section}",
        "I am associated with more than one company; do I need several logins to access the different company profiles in SES? {#section_rkl_4qb_tsb .section}",
        "Where can I find training material on SES? {#section_pfg_pqb_tsb .section}",
        "How long are documents kept in SES? Is there a document retention schedule? {#section_uxk_brg_tsb .section}",
        "How long are data kept in SES? Is there a data retention schedule? {#section_tfx_pqg_tsb .section}",
        "Are there fees or costs for using SES? {#section_jfl_npg_tsb .section}",
        "Are SES and SES Consumer Complaints different systems? {#section_m2y_5qb_tsb .section}",
        "Is any of the information in SES Consumer Complaints publicly available? {#section_t1b_wqb_tsb .section}",
        "How does the SES Consumer Complaints System differ from the CFPB consumer complaints portal? {#section_ixy_f2h_tsb .section}",
        "Does SES Consumer Complaints connect with the CFPB complaints portal? {#section_uvp_y2h_tsb .section}",
        "Does the SES Consumer Complaints System have consumer-facing functionality? {#section_cq1_z2h_tsb .section}",
        "Can federal regulators see complaints in SES? {#section_avy_yqb_tsb .section}",
        "Can state agencies enter and process complaints on non-depositories and depositories under their supervision? {#section_q5p_cfh_tsb .section}",
        "Do I have to create an account in SES in order to respond to a consumer complaint? {#section_fdc_crb_tsb .section}",
        "How will I be notified of a new complaint on my company? Can I get started now? {#section_qfl_drb_tsb .section}",
        "How long will I have to respond to the complaint in SES? {#section_e5r_2rb_tsb .section}",
        "Will I be notified when the complaint is closed? {#section_jsq_frb_tsb .section}",
        "Does SES have any data backup and recovery procedures in place in case of a disruption of services? {#section_lnk_3fh_tsb .section}",
        "Will SES users be able to backup their own data out of SES? {#section_p2f_hrb_tsb .section}",
        "Who is liable for the information in the system in the event of a security breach? {#section_yqj_spg_tsb .section}",
        "What assurances do I have that SES is appropriately safeguarding my agency’s information? {#section_sjr_zqh_tsb .section}",
        "Does SES have a mobile application? {#section_uyx_13g_tsb .section}",
        "Where can I find the technical requirements to use SES? {#section_kwv_xhg_tsb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/faq/topics/c_company_SES_FAQ-1.html",
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    {
      "id": "maps/SES/chapter/bizContent/faq/topics/c_company_SES_FAQ-1.md:chunk-2",
      "title": "State Examination System \\(SES\\) Industry FAQs {#c_company_SES_FAQ .concept}",
      "content": "nt request from a state agency. Further, a company only needs to go through the system enrollment process once. Once they are in the system, other state agencies will see the company in SES and be able to send the company examination and/or complains related information requests in the system.\n\n## Once a company gets access to SES, do they need multiple logins to access the supervisory side of the system and the complaints side of the system? \n\nNo, once a company follows the steps to be enrolled in the system, the company users only need one login to access SES to either manage an examination or handle a consume complaint.\n\n## I am associated with more than one company; do I need several logins to access the different company profiles in SES? \n\nNo, a company user only needs one login to access the system and can be associated with more than one company in SES.\n\n## Where can I find training material on SES? \n\nCompany resources can be found in the https://portal.stateexaminationsystem.org. Once the company is in SES, they will also be provided with assistance by accessing the “Need Help?” links throughout the system.\n\n## How long are documents kept in SES? Is there a document retention schedule? \n\nThe document retention schedule in SES is governed by the **interim SES Documents and Data retention policy**. Documents in SES are retained in the system according to the following schedules:\n\n-   **Category A Schedule.** Documents in Category A will be retained for a period of ten years. This retention time period will begin to run as of the date and time the supervisory activity or complaint is closed in the system, or when the last Matters Requiring Attention is closed, whichever is later. This is referred to as the ‘Closed’ Milestone in SES. The Supervisory Activity or Complaint reach theClosed Milestone when the examiner has conducted its review of the Supervisory Activity or complaint and determines that there is no further action to be taken with that SA or Complaint",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\faq\\topics\\c_company_SES_FAQ-1.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\faq\\topics\\c_company_SES_FAQ-1.md",
      "headings": [
        "State Examination System \\(SES\\) Industry FAQs {#c_company_SES_FAQ .concept}",
        "What is SES and what does it do? {#section_q4x_dnb_tsb .section}",
        "Is SES still in development? {#section_qlg_y4b_tsb .section}",
        "Which agencies have agreed to use SES to supervise companies and process their consumer complaints? {#section_z32_1bg_tsb .section}",
        "What information can state agencies share in SES? {#section_cwm_hqb_tsb .section}",
        "Are there any laws or regulatory requirements for States using this system like NMLS? {#section_wzn_qrg_tsb .section}",
        "How does a company get access to SES? {#section_zbf_kqb_tsb .section}",
        "Once a company gets access to SES, do they need multiple logins to access the supervisory side of the system and the complaints side of the system? {#section_a2y_nqb_tsb .section}",
        "I am associated with more than one company; do I need several logins to access the different company profiles in SES? {#section_rkl_4qb_tsb .section}",
        "Where can I find training material on SES? {#section_pfg_pqb_tsb .section}",
        "How long are documents kept in SES? Is there a document retention schedule? {#section_uxk_brg_tsb .section}",
        "How long are data kept in SES? Is there a data retention schedule? {#section_tfx_pqg_tsb .section}",
        "Are there fees or costs for using SES? {#section_jfl_npg_tsb .section}",
        "Are SES and SES Consumer Complaints different systems? {#section_m2y_5qb_tsb .section}",
        "Is any of the information in SES Consumer Complaints publicly available? {#section_t1b_wqb_tsb .section}",
        "How does the SES Consumer Complaints System differ from the CFPB consumer complaints portal? {#section_ixy_f2h_tsb .section}",
        "Does SES Consumer Complaints connect with the CFPB complaints portal? {#section_uvp_y2h_tsb .section}",
        "Does the SES Consumer Complaints System have consumer-facing functionality? {#section_cq1_z2h_tsb .section}",
        "Can federal regulators see complaints in SES? {#section_avy_yqb_tsb .section}",
        "Can state agencies enter and process complaints on non-depositories and depositories under their supervision? {#section_q5p_cfh_tsb .section}",
        "Do I have to create an account in SES in order to respond to a consumer complaint? {#section_fdc_crb_tsb .section}",
        "How will I be notified of a new complaint on my company? Can I get started now? {#section_qfl_drb_tsb .section}",
        "How long will I have to respond to the complaint in SES? {#section_e5r_2rb_tsb .section}",
        "Will I be notified when the complaint is closed? {#section_jsq_frb_tsb .section}",
        "Does SES have any data backup and recovery procedures in place in case of a disruption of services? {#section_lnk_3fh_tsb .section}",
        "Will SES users be able to backup their own data out of SES? {#section_p2f_hrb_tsb .section}",
        "Who is liable for the information in the system in the event of a security breach? {#section_yqj_spg_tsb .section}",
        "What assurances do I have that SES is appropriately safeguarding my agency’s information? {#section_sjr_zqh_tsb .section}",
        "Does SES have a mobile application? {#section_uyx_13g_tsb .section}",
        "Where can I find the technical requirements to use SES? {#section_kwv_xhg_tsb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/faq/topics/c_company_SES_FAQ-1.html",
      "snippet": null
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    {
      "id": "maps/SES/chapter/bizContent/faq/topics/c_company_SES_FAQ-1.md:chunk-3",
      "title": "State Examination System \\(SES\\) Industry FAQs {#c_company_SES_FAQ .concept}",
      "content": "laint reach theClosed Milestone when the examiner has conducted its review of the Supervisory Activity or complaint and determines that there is no further action to be taken with that SA or Complaint. Documents will be permanently deleted from the system at the conclusion of the retention period. The attachment files under the Category A schedule are set forth below.\n    1.  All documents uploaded to the system by a regulatory agency user during a Supervisory Activity or handling of a Complaint. This includes the exchange of Information Requests in the system between agency and company users.\n    2.  Documents uploaded to the system by a company user uploaded to the system in response to the following activities only:\n        1.  A Report of Examination transmitted by a regulatory agency.\n        2.  Matters Requiring Attention as a result of a state Examination.\n        3.  An Investigation.\n        4.  A Complaint.\n-   **Category B Schedule.** Documents in Category B will be retained for a period of ninety days. This retention time period will begin to run as of the date and time the Supervisory Activity concludes and reaches the ‘Closed’ Milestone in the system or when the last Matters Requiring Attention is closed in the system, whichever is later. Documents will be permanently deleted from the system at the conclusion of the retention period.\n\n    Generally, documents subject to the Category B Schedule are any company user documents that are uploaded to the system, with the exception of documents uploaded to the system in response to a Report of Examination, MRA, Investigation or Complaint, which are subject to the Category A Schedule as defined above.\n\n## How long are data kept in SES? Is there a data retention schedule? \n\nCurrently, data are being retained indefinitely in the System. We are working on a retention schedule for all data in the System.\n\n.\n\n## Are there fees or costs for using SES? \n\nNo. SES development and operating costs are currently covered ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\faq\\topics\\c_company_SES_FAQ-1.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\faq\\topics\\c_company_SES_FAQ-1.md",
      "headings": [
        "State Examination System \\(SES\\) Industry FAQs {#c_company_SES_FAQ .concept}",
        "What is SES and what does it do? {#section_q4x_dnb_tsb .section}",
        "Is SES still in development? {#section_qlg_y4b_tsb .section}",
        "Which agencies have agreed to use SES to supervise companies and process their consumer complaints? {#section_z32_1bg_tsb .section}",
        "What information can state agencies share in SES? {#section_cwm_hqb_tsb .section}",
        "Are there any laws or regulatory requirements for States using this system like NMLS? {#section_wzn_qrg_tsb .section}",
        "How does a company get access to SES? {#section_zbf_kqb_tsb .section}",
        "Once a company gets access to SES, do they need multiple logins to access the supervisory side of the system and the complaints side of the system? {#section_a2y_nqb_tsb .section}",
        "I am associated with more than one company; do I need several logins to access the different company profiles in SES? {#section_rkl_4qb_tsb .section}",
        "Where can I find training material on SES? {#section_pfg_pqb_tsb .section}",
        "How long are documents kept in SES? Is there a document retention schedule? {#section_uxk_brg_tsb .section}",
        "How long are data kept in SES? Is there a data retention schedule? {#section_tfx_pqg_tsb .section}",
        "Are there fees or costs for using SES? {#section_jfl_npg_tsb .section}",
        "Are SES and SES Consumer Complaints different systems? {#section_m2y_5qb_tsb .section}",
        "Is any of the information in SES Consumer Complaints publicly available? {#section_t1b_wqb_tsb .section}",
        "How does the SES Consumer Complaints System differ from the CFPB consumer complaints portal? {#section_ixy_f2h_tsb .section}",
        "Does SES Consumer Complaints connect with the CFPB complaints portal? {#section_uvp_y2h_tsb .section}",
        "Does the SES Consumer Complaints System have consumer-facing functionality? {#section_cq1_z2h_tsb .section}",
        "Can federal regulators see complaints in SES? {#section_avy_yqb_tsb .section}",
        "Can state agencies enter and process complaints on non-depositories and depositories under their supervision? {#section_q5p_cfh_tsb .section}",
        "Do I have to create an account in SES in order to respond to a consumer complaint? {#section_fdc_crb_tsb .section}",
        "How will I be notified of a new complaint on my company? Can I get started now? {#section_qfl_drb_tsb .section}",
        "How long will I have to respond to the complaint in SES? {#section_e5r_2rb_tsb .section}",
        "Will I be notified when the complaint is closed? {#section_jsq_frb_tsb .section}",
        "Does SES have any data backup and recovery procedures in place in case of a disruption of services? {#section_lnk_3fh_tsb .section}",
        "Will SES users be able to backup their own data out of SES? {#section_p2f_hrb_tsb .section}",
        "Who is liable for the information in the system in the event of a security breach? {#section_yqj_spg_tsb .section}",
        "What assurances do I have that SES is appropriately safeguarding my agency’s information? {#section_sjr_zqh_tsb .section}",
        "Does SES have a mobile application? {#section_uyx_13g_tsb .section}",
        "Where can I find the technical requirements to use SES? {#section_kwv_xhg_tsb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/faq/topics/c_company_SES_FAQ-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/faq/topics/c_company_SES_FAQ-1.md:chunk-4",
      "title": "State Examination System \\(SES\\) Industry FAQs {#c_company_SES_FAQ .concept}",
      "content": "initely in the System. We are working on a retention schedule for all data in the System.\n\n.\n\n## Are there fees or costs for using SES? \n\nNo. SES development and operating costs are currently covered by Nationwide Multistate Licensing System & Registry processing fees. Changes to this approach would be decided by the SRR Board of Managers and the CSBS Board of Directors.\n\n## Are SES and SES Consumer Complaints different systems? \n\nNo, SES Consumer Complaints is a large piece of functionality that is part of SES. Only one login is needed to access SES \\(for examinations and investigations\\), and the same login is used to access the consumer complaints functionality \\(for complaint handling\\).\n\n## Is any of the information in SES Consumer Complaints publicly available? \n\nNo, currently, the information in SES is not shared with the public or consumers.\n\n## How does the SES Consumer Complaints System differ from the CFPB consumer complaints portal? \n\nThe systems are different in many ways because the role of state regulators in the complaints process is different from the role of federal regulators. SES Consumer Complaints supports the work that both state regulators and companies do to together resolve consumer complaints. Further, there is no publicly available data from the SES Consumer Complaints system.\n\n## Does SES Consumer Complaints connect with the CFPB complaints portal? \n\nNo, not currently. If the situation calls for it, there is a way for an agency to enter a CFPB ID unique identifier for a complaint originating from the CFPB.\n\n## Does the SES Consumer Complaints System have consumer-facing functionality? \n\nNo, not currently. Consumers will continue to notify and communicate with agencies outside of SES.\n\n## Can federal regulators see complaints in SES? \n\nNo, currently, only state agencies can get access to SES and see consumer complaint data in the system.\n\n## Can state agencies enter and process complaints on non-depositories and depositories under their s",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\faq\\topics\\c_company_SES_FAQ-1.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\faq\\topics\\c_company_SES_FAQ-1.md",
      "headings": [
        "State Examination System \\(SES\\) Industry FAQs {#c_company_SES_FAQ .concept}",
        "What is SES and what does it do? {#section_q4x_dnb_tsb .section}",
        "Is SES still in development? {#section_qlg_y4b_tsb .section}",
        "Which agencies have agreed to use SES to supervise companies and process their consumer complaints? {#section_z32_1bg_tsb .section}",
        "What information can state agencies share in SES? {#section_cwm_hqb_tsb .section}",
        "Are there any laws or regulatory requirements for States using this system like NMLS? {#section_wzn_qrg_tsb .section}",
        "How does a company get access to SES? {#section_zbf_kqb_tsb .section}",
        "Once a company gets access to SES, do they need multiple logins to access the supervisory side of the system and the complaints side of the system? {#section_a2y_nqb_tsb .section}",
        "I am associated with more than one company; do I need several logins to access the different company profiles in SES? {#section_rkl_4qb_tsb .section}",
        "Where can I find training material on SES? {#section_pfg_pqb_tsb .section}",
        "How long are documents kept in SES? Is there a document retention schedule? {#section_uxk_brg_tsb .section}",
        "How long are data kept in SES? Is there a data retention schedule? {#section_tfx_pqg_tsb .section}",
        "Are there fees or costs for using SES? {#section_jfl_npg_tsb .section}",
        "Are SES and SES Consumer Complaints different systems? {#section_m2y_5qb_tsb .section}",
        "Is any of the information in SES Consumer Complaints publicly available? {#section_t1b_wqb_tsb .section}",
        "How does the SES Consumer Complaints System differ from the CFPB consumer complaints portal? {#section_ixy_f2h_tsb .section}",
        "Does SES Consumer Complaints connect with the CFPB complaints portal? {#section_uvp_y2h_tsb .section}",
        "Does the SES Consumer Complaints System have consumer-facing functionality? {#section_cq1_z2h_tsb .section}",
        "Can federal regulators see complaints in SES? {#section_avy_yqb_tsb .section}",
        "Can state agencies enter and process complaints on non-depositories and depositories under their supervision? {#section_q5p_cfh_tsb .section}",
        "Do I have to create an account in SES in order to respond to a consumer complaint? {#section_fdc_crb_tsb .section}",
        "How will I be notified of a new complaint on my company? Can I get started now? {#section_qfl_drb_tsb .section}",
        "How long will I have to respond to the complaint in SES? {#section_e5r_2rb_tsb .section}",
        "Will I be notified when the complaint is closed? {#section_jsq_frb_tsb .section}",
        "Does SES have any data backup and recovery procedures in place in case of a disruption of services? {#section_lnk_3fh_tsb .section}",
        "Will SES users be able to backup their own data out of SES? {#section_p2f_hrb_tsb .section}",
        "Who is liable for the information in the system in the event of a security breach? {#section_yqj_spg_tsb .section}",
        "What assurances do I have that SES is appropriately safeguarding my agency’s information? {#section_sjr_zqh_tsb .section}",
        "Does SES have a mobile application? {#section_uyx_13g_tsb .section}",
        "Where can I find the technical requirements to use SES? {#section_kwv_xhg_tsb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/faq/topics/c_company_SES_FAQ-1.html",
      "snippet": null
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    {
      "id": "maps/SES/chapter/bizContent/faq/topics/c_company_SES_FAQ-1.md:chunk-5",
      "title": "State Examination System \\(SES\\) Industry FAQs {#c_company_SES_FAQ .concept}",
      "content": "rrently, only state agencies can get access to SES and see consumer complaint data in the system.\n\n## Can state agencies enter and process complaints on non-depositories and depositories under their supervision? \n\nYes, SES receives a nightly feed of non-depository company data from theNationwide Multistate Licensing System & Registry. The data source for depository-only institutions is not NMLS, but MicroStrategy and the National Information Center \\(NIC\\) database.\n\n## Do I have to create an account in SES in order to respond to a consumer complaint? \n\nNo, when the time is appropriate, your state agency will communicate with you and initiate the enrollment of your company’s first SES user. This process is typically completed prior to the start of an exam or complaint.\n\n## How will I be notified of a new complaint on my company? Can I get started now? \n\nIf you are your company’s regulatory contact, chances are you will be notified by the system with enrollment emails prior to your company's first exam or complaint. You also may hear from your state agency directly. Many agencies using SES have developed a communication plan specifically for this purpose.\n\n## How long will I have to respond to the complaint in SES? \n\nIf your agency requires you to provide a response, they will send you an information request \\(IR\\) through SES with a selected due date. Make sure to draft your response and send it back to the agency by the displayed due date.\n\n## Will I be notified when the complaint is closed? \n\nYes, the system will send an email to the company point of contact \\(POC\\) when the agency closes the complaint.\n\n## Does SES have any data backup and recovery procedures in place in case of a disruption of services? \n\nYes. SES was developed with industry-standard backup and recovery requirements. Due to security considerations, details are available upon request.\n\n## Will SES users be able to backup their own data out of SES? \n\nEach SES user will be able to extract documenta",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\faq\\topics\\c_company_SES_FAQ-1.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\faq\\topics\\c_company_SES_FAQ-1.md",
      "headings": [
        "State Examination System \\(SES\\) Industry FAQs {#c_company_SES_FAQ .concept}",
        "What is SES and what does it do? {#section_q4x_dnb_tsb .section}",
        "Is SES still in development? {#section_qlg_y4b_tsb .section}",
        "Which agencies have agreed to use SES to supervise companies and process their consumer complaints? {#section_z32_1bg_tsb .section}",
        "What information can state agencies share in SES? {#section_cwm_hqb_tsb .section}",
        "Are there any laws or regulatory requirements for States using this system like NMLS? {#section_wzn_qrg_tsb .section}",
        "How does a company get access to SES? {#section_zbf_kqb_tsb .section}",
        "Once a company gets access to SES, do they need multiple logins to access the supervisory side of the system and the complaints side of the system? {#section_a2y_nqb_tsb .section}",
        "I am associated with more than one company; do I need several logins to access the different company profiles in SES? {#section_rkl_4qb_tsb .section}",
        "Where can I find training material on SES? {#section_pfg_pqb_tsb .section}",
        "How long are documents kept in SES? Is there a document retention schedule? {#section_uxk_brg_tsb .section}",
        "How long are data kept in SES? Is there a data retention schedule? {#section_tfx_pqg_tsb .section}",
        "Are there fees or costs for using SES? {#section_jfl_npg_tsb .section}",
        "Are SES and SES Consumer Complaints different systems? {#section_m2y_5qb_tsb .section}",
        "Is any of the information in SES Consumer Complaints publicly available? {#section_t1b_wqb_tsb .section}",
        "How does the SES Consumer Complaints System differ from the CFPB consumer complaints portal? {#section_ixy_f2h_tsb .section}",
        "Does SES Consumer Complaints connect with the CFPB complaints portal? {#section_uvp_y2h_tsb .section}",
        "Does the SES Consumer Complaints System have consumer-facing functionality? {#section_cq1_z2h_tsb .section}",
        "Can federal regulators see complaints in SES? {#section_avy_yqb_tsb .section}",
        "Can state agencies enter and process complaints on non-depositories and depositories under their supervision? {#section_q5p_cfh_tsb .section}",
        "Do I have to create an account in SES in order to respond to a consumer complaint? {#section_fdc_crb_tsb .section}",
        "How will I be notified of a new complaint on my company? Can I get started now? {#section_qfl_drb_tsb .section}",
        "How long will I have to respond to the complaint in SES? {#section_e5r_2rb_tsb .section}",
        "Will I be notified when the complaint is closed? {#section_jsq_frb_tsb .section}",
        "Does SES have any data backup and recovery procedures in place in case of a disruption of services? {#section_lnk_3fh_tsb .section}",
        "Will SES users be able to backup their own data out of SES? {#section_p2f_hrb_tsb .section}",
        "Who is liable for the information in the system in the event of a security breach? {#section_yqj_spg_tsb .section}",
        "What assurances do I have that SES is appropriately safeguarding my agency’s information? {#section_sjr_zqh_tsb .section}",
        "Does SES have a mobile application? {#section_uyx_13g_tsb .section}",
        "Where can I find the technical requirements to use SES? {#section_kwv_xhg_tsb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/faq/topics/c_company_SES_FAQ-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/faq/topics/c_company_SES_FAQ-1.md:chunk-6",
      "title": "State Examination System \\(SES\\) Industry FAQs {#c_company_SES_FAQ .concept}",
      "content": "very requirements. Due to security considerations, details are available upon request.\n\n## Will SES users be able to backup their own data out of SES? \n\nEach SES user will be able to extract documentation that the user uploaded to the system related to a particular examination. Documentation includes information request responses, and the ROE.\n\n## Who is liable for the information in the system in the event of a security breach? \n\nRefer to the**State Agency Terms of Use**, specifically **Section 14 \\(c\\)** which states:\n\n> \\(C\\) In the event of a security or privacy breachState Agency authorizes SRR and SRR agrees to be solely responsible for any notification to affected individuals and any public communications regarding such breach. State Agency will assist SRR in complying with state law and SRR agrees to so comply. State Agency will be responsible, with coordination from SRR, for communications within its respective state agency or government \\(e.g. governor, attorney general\\).\n\n,\n\n## What assurances do I have that SES is appropriately safeguarding my agency’s information? \n\nSES was designed and tested to exceed the stringent security standards of a FedRAMP/FISMA Moderate-level system. Individual components are built and monitored using industry best practices, including the Center for Internet Security \\(CIS\\) and vendor best practices. Multi-factor authentication and TLS 1.2-only encrypted connections are required for access.\n\nFor more specific security questions about SES, please access the State Examination System Company Security FAQs.\n\n## Does SES have a mobile application? \n\nSES is developed on the Appian™ platform, which may be accessed via a mobile app. There is no separate SES app available for download.\n\n## Where can I find the technical requirements to use SES? \n\n-   SES is a web-based application, developed on the Appian™ platform. For end users, all that is required is a browser and internet access.\n-   Additional information on the technical requ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\faq\\topics\\c_company_SES_FAQ-1.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\faq\\topics\\c_company_SES_FAQ-1.md",
      "headings": [
        "State Examination System \\(SES\\) Industry FAQs {#c_company_SES_FAQ .concept}",
        "What is SES and what does it do? {#section_q4x_dnb_tsb .section}",
        "Is SES still in development? {#section_qlg_y4b_tsb .section}",
        "Which agencies have agreed to use SES to supervise companies and process their consumer complaints? {#section_z32_1bg_tsb .section}",
        "What information can state agencies share in SES? {#section_cwm_hqb_tsb .section}",
        "Are there any laws or regulatory requirements for States using this system like NMLS? {#section_wzn_qrg_tsb .section}",
        "How does a company get access to SES? {#section_zbf_kqb_tsb .section}",
        "Once a company gets access to SES, do they need multiple logins to access the supervisory side of the system and the complaints side of the system? {#section_a2y_nqb_tsb .section}",
        "I am associated with more than one company; do I need several logins to access the different company profiles in SES? {#section_rkl_4qb_tsb .section}",
        "Where can I find training material on SES? {#section_pfg_pqb_tsb .section}",
        "How long are documents kept in SES? Is there a document retention schedule? {#section_uxk_brg_tsb .section}",
        "How long are data kept in SES? Is there a data retention schedule? {#section_tfx_pqg_tsb .section}",
        "Are there fees or costs for using SES? {#section_jfl_npg_tsb .section}",
        "Are SES and SES Consumer Complaints different systems? {#section_m2y_5qb_tsb .section}",
        "Is any of the information in SES Consumer Complaints publicly available? {#section_t1b_wqb_tsb .section}",
        "How does the SES Consumer Complaints System differ from the CFPB consumer complaints portal? {#section_ixy_f2h_tsb .section}",
        "Does SES Consumer Complaints connect with the CFPB complaints portal? {#section_uvp_y2h_tsb .section}",
        "Does the SES Consumer Complaints System have consumer-facing functionality? {#section_cq1_z2h_tsb .section}",
        "Can federal regulators see complaints in SES? {#section_avy_yqb_tsb .section}",
        "Can state agencies enter and process complaints on non-depositories and depositories under their supervision? {#section_q5p_cfh_tsb .section}",
        "Do I have to create an account in SES in order to respond to a consumer complaint? {#section_fdc_crb_tsb .section}",
        "How will I be notified of a new complaint on my company? Can I get started now? {#section_qfl_drb_tsb .section}",
        "How long will I have to respond to the complaint in SES? {#section_e5r_2rb_tsb .section}",
        "Will I be notified when the complaint is closed? {#section_jsq_frb_tsb .section}",
        "Does SES have any data backup and recovery procedures in place in case of a disruption of services? {#section_lnk_3fh_tsb .section}",
        "Will SES users be able to backup their own data out of SES? {#section_p2f_hrb_tsb .section}",
        "Who is liable for the information in the system in the event of a security breach? {#section_yqj_spg_tsb .section}",
        "What assurances do I have that SES is appropriately safeguarding my agency’s information? {#section_sjr_zqh_tsb .section}",
        "Does SES have a mobile application? {#section_uyx_13g_tsb .section}",
        "Where can I find the technical requirements to use SES? {#section_kwv_xhg_tsb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/faq/topics/c_company_SES_FAQ-1.html",
      "snippet": null
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    {
      "id": "maps/SES/chapter/bizContent/faq/topics/c_company_SES_FAQ-1.md:chunk-7",
      "title": "State Examination System \\(SES\\) Industry FAQs {#c_company_SES_FAQ .concept}",
      "content": "use SES? \n\n-   SES is a web-based application, developed on the Appian™ platform. For end users, all that is required is a browser and internet access.\n-   Additional information on the technical requirements can be found on the State Examination System Technology Requirements knowledge article.\n\n**Related information**  \n\nState Examination System Company Security FAQs\n\nSite Access\n\nSite Management\n\nData Use and Accessibility\n\nData Loss Prevention\n\nData Security Maintenance\n\nSite Security and Privacy\n\nPhysical Security\n\nDefinitions of Record, Documents, and Data\n\nRecord Retention and Disposition Schedule\n\nCompany Enrollment\n\nSystem Third-Party Users",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\faq\\topics\\c_company_SES_FAQ-1.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\faq\\topics\\c_company_SES_FAQ-1.md",
      "headings": [
        "State Examination System \\(SES\\) Industry FAQs {#c_company_SES_FAQ .concept}",
        "What is SES and what does it do? {#section_q4x_dnb_tsb .section}",
        "Is SES still in development? {#section_qlg_y4b_tsb .section}",
        "Which agencies have agreed to use SES to supervise companies and process their consumer complaints? {#section_z32_1bg_tsb .section}",
        "What information can state agencies share in SES? {#section_cwm_hqb_tsb .section}",
        "Are there any laws or regulatory requirements for States using this system like NMLS? {#section_wzn_qrg_tsb .section}",
        "How does a company get access to SES? {#section_zbf_kqb_tsb .section}",
        "Once a company gets access to SES, do they need multiple logins to access the supervisory side of the system and the complaints side of the system? {#section_a2y_nqb_tsb .section}",
        "I am associated with more than one company; do I need several logins to access the different company profiles in SES? {#section_rkl_4qb_tsb .section}",
        "Where can I find training material on SES? {#section_pfg_pqb_tsb .section}",
        "How long are documents kept in SES? Is there a document retention schedule? {#section_uxk_brg_tsb .section}",
        "How long are data kept in SES? Is there a data retention schedule? {#section_tfx_pqg_tsb .section}",
        "Are there fees or costs for using SES? {#section_jfl_npg_tsb .section}",
        "Are SES and SES Consumer Complaints different systems? {#section_m2y_5qb_tsb .section}",
        "Is any of the information in SES Consumer Complaints publicly available? {#section_t1b_wqb_tsb .section}",
        "How does the SES Consumer Complaints System differ from the CFPB consumer complaints portal? {#section_ixy_f2h_tsb .section}",
        "Does SES Consumer Complaints connect with the CFPB complaints portal? {#section_uvp_y2h_tsb .section}",
        "Does the SES Consumer Complaints System have consumer-facing functionality? {#section_cq1_z2h_tsb .section}",
        "Can federal regulators see complaints in SES? {#section_avy_yqb_tsb .section}",
        "Can state agencies enter and process complaints on non-depositories and depositories under their supervision? {#section_q5p_cfh_tsb .section}",
        "Do I have to create an account in SES in order to respond to a consumer complaint? {#section_fdc_crb_tsb .section}",
        "How will I be notified of a new complaint on my company? Can I get started now? {#section_qfl_drb_tsb .section}",
        "How long will I have to respond to the complaint in SES? {#section_e5r_2rb_tsb .section}",
        "Will I be notified when the complaint is closed? {#section_jsq_frb_tsb .section}",
        "Does SES have any data backup and recovery procedures in place in case of a disruption of services? {#section_lnk_3fh_tsb .section}",
        "Will SES users be able to backup their own data out of SES? {#section_p2f_hrb_tsb .section}",
        "Who is liable for the information in the system in the event of a security breach? {#section_yqj_spg_tsb .section}",
        "What assurances do I have that SES is appropriately safeguarding my agency’s information? {#section_sjr_zqh_tsb .section}",
        "Does SES have a mobile application? {#section_uyx_13g_tsb .section}",
        "Where can I find the technical requirements to use SES? {#section_kwv_xhg_tsb .section}"
      ],
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      "title": "State Examination System \\(SES\\) Industry FAQs {#c_company_SES_FAQ .concept}",
      "content": "# State Examination System \\(SES\\) Industry FAQs \n\nFrequently Asked Questions about State Examination System.\n\n## What is SES and what does it do? \n\nSES is a one-stop-shop for the financial services industry that brings a company’s entire engagement with state regulators onto a single platform, which in turn brings efficiencies to state supervision.\n\nThe purpose of State Examination System is to support the supervision, enforcement, investigation and complaints processes for state regulators and the companies they supervise. The main goals of SES are as follows:\n\n-   **Standardize the supervisory process.** SES will be the first nationwide system of its kind, powered by technology that will allow for greater information sharing amongst state regulatory agencies. The promotion of best practices across state agencies will result in the standardization of supervisory practices which will in turn reduce the volume of state examinations, and save time, costs, and travel for regulators and the industry.\n-   **Foster collaboration amongst state agencies.** SES will encourage multi-state supervision and allow regulators to eliminate duplicative supervisory efforts. In addition, state agencies will have the ability in the system to access one another’s supervisory schedules which will allow them to make better use of their time and resources.\n-   **Offer readily available risk-based data.** SES will offer state regulators an impressive uniform and nationwide set of data they can use to analyze macro and micro trends in the financial system. The Risk-based analytics approach in SES will allow state agencies to respond to risks, tailor supervision programs across industries, and continually refine the supervision process through informed metrics.\n-   **Safeguard sensitive information.** SES has safeguards in place to protect the sensitive information that is stored and exchanged in the system. Using a single, secure platform to exchange supervisory information will improve the",
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      "relative_path": "maps\\SES\\chapter\\bizContent\\faq\\topics\\c_company_SES_FAQ.md",
      "headings": [
        "State Examination System \\(SES\\) Industry FAQs {#c_company_SES_FAQ .concept}",
        "What is SES and what does it do? {#section_q4x_dnb_tsb .section}",
        "Is SES still in development? {#section_qlg_y4b_tsb .section}",
        "Which agencies have agreed to use SES to supervise companies and process their consumer complaints? {#section_z32_1bg_tsb .section}",
        "What information can state agencies share in SES? {#section_cwm_hqb_tsb .section}",
        "Are there any laws or regulatory requirements for States using this system like NMLS? {#section_wzn_qrg_tsb .section}",
        "How does a company get access to SES? {#section_zbf_kqb_tsb .section}",
        "Once a company gets access to SES, do they need multiple logins to access the supervisory side of the system and the complaints side of the system? {#section_a2y_nqb_tsb .section}",
        "I am associated with more than one company; do I need several logins to access the different company profiles in SES? {#section_rkl_4qb_tsb .section}",
        "Where can I find training material on SES? {#section_pfg_pqb_tsb .section}",
        "How long are documents kept in SES? Is there a document retention schedule? {#section_uxk_brg_tsb .section}",
        "How long are data kept in SES? Is there a data retention schedule? {#section_tfx_pqg_tsb .section}",
        "Are there fees or costs for using SES? {#section_jfl_npg_tsb .section}",
        "Are SES and SES Consumer Complaints different systems? {#section_m2y_5qb_tsb .section}",
        "Is any of the information in SES Consumer Complaints publicly available? {#section_t1b_wqb_tsb .section}",
        "How does the SES Consumer Complaints System differ from the CFPB consumer complaints portal? {#section_ixy_f2h_tsb .section}",
        "Does SES Consumer Complaints connect with the CFPB complaints portal? {#section_uvp_y2h_tsb .section}",
        "Does the SES Consumer Complaints System have consumer-facing functionality? {#section_cq1_z2h_tsb .section}",
        "Can federal regulators see complaints in SES? {#section_avy_yqb_tsb .section}",
        "Can state agencies enter and process complaints on non-depositories and depositories under their supervision? {#section_q5p_cfh_tsb .section}",
        "Do I have to create an account in SES in order to respond to a consumer complaint? {#section_fdc_crb_tsb .section}",
        "How will I be notified of a new complaint on my company? Can I get started now? {#section_qfl_drb_tsb .section}",
        "How long will I have to respond to the complaint in SES? {#section_e5r_2rb_tsb .section}",
        "Will I be notified when the complaint is closed? {#section_jsq_frb_tsb .section}",
        "Does SES have any data backup and recovery procedures in place in case of a disruption of services? {#section_lnk_3fh_tsb .section}",
        "Will SES users be able to backup their own data out of SES? {#section_p2f_hrb_tsb .section}",
        "Who is liable for the information in the system in the event of a security breach? {#section_yqj_spg_tsb .section}",
        "What assurances do I have that SES is appropriately safeguarding my agency’s information? {#section_sjr_zqh_tsb .section}",
        "Does SES have a mobile application? {#section_uyx_13g_tsb .section}",
        "Where can I find the technical requirements to use SES? {#section_kwv_xhg_tsb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/faq/topics/c_company_SES_FAQ.html",
      "snippet": null
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    {
      "id": "maps/SES/chapter/bizContent/faq/topics/c_company_SES_FAQ.md:chunk-1",
      "title": "State Examination System \\(SES\\) Industry FAQs {#c_company_SES_FAQ .concept}",
      "content": "ion.** SES has safeguards in place to protect the sensitive information that is stored and exchanged in the system. Using a single, secure platform to exchange supervisory information will improve the overall security of the state regulatory process.\n\n## Is SES still in development? \n\nSES is live and in production. We continuously update and make enhancements to the system, but it is live and being implemented by state agencies nationwide.\n\n## Which agencies have agreed to use SES to supervise companies and process their consumer complaints? \n\nThe agency participation map available on www.csbs.org/aboutSES will be updated regularly to reflect current participation for both.\n\n## What information can state agencies share in SES? \n\nState agencies using SES can share information regarding an examination, investigation, or consumer complaint in the system. Information sharing in the system is performed in a controlled manner. To get access to certain information and documentation in the system, the state agency owner of that record must first grant access to the requesting agency in the system. State agencies may also conduct multistate examination in SES.\n\n## Are there any laws or regulatory requirements for States using this system like NMLS? \n\nUnlike the Nationwide Multistate Licensing System & Registry, state agencies are not required to pass state legislation or regulation to use the system. The use of the system by state agencies is discretionary.\n\n## How does a company get access to SES? \n\nA company must first receive a request from a state agency to enroll in SES. This usually occurs prior to the start of an examination in SES, or to route a consumer complaint to the company in SES. The company does not have to take any action or steps until they receive the enrollment request from a state agency. Further, a company only needs to go through the system enrollment process once. Once they are in the system, other state agencies will see the company in SES and be abl",
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      "headings": [
        "State Examination System \\(SES\\) Industry FAQs {#c_company_SES_FAQ .concept}",
        "What is SES and what does it do? {#section_q4x_dnb_tsb .section}",
        "Is SES still in development? {#section_qlg_y4b_tsb .section}",
        "Which agencies have agreed to use SES to supervise companies and process their consumer complaints? {#section_z32_1bg_tsb .section}",
        "What information can state agencies share in SES? {#section_cwm_hqb_tsb .section}",
        "Are there any laws or regulatory requirements for States using this system like NMLS? {#section_wzn_qrg_tsb .section}",
        "How does a company get access to SES? {#section_zbf_kqb_tsb .section}",
        "Once a company gets access to SES, do they need multiple logins to access the supervisory side of the system and the complaints side of the system? {#section_a2y_nqb_tsb .section}",
        "I am associated with more than one company; do I need several logins to access the different company profiles in SES? {#section_rkl_4qb_tsb .section}",
        "Where can I find training material on SES? {#section_pfg_pqb_tsb .section}",
        "How long are documents kept in SES? Is there a document retention schedule? {#section_uxk_brg_tsb .section}",
        "How long are data kept in SES? Is there a data retention schedule? {#section_tfx_pqg_tsb .section}",
        "Are there fees or costs for using SES? {#section_jfl_npg_tsb .section}",
        "Are SES and SES Consumer Complaints different systems? {#section_m2y_5qb_tsb .section}",
        "Is any of the information in SES Consumer Complaints publicly available? {#section_t1b_wqb_tsb .section}",
        "How does the SES Consumer Complaints System differ from the CFPB consumer complaints portal? {#section_ixy_f2h_tsb .section}",
        "Does SES Consumer Complaints connect with the CFPB complaints portal? {#section_uvp_y2h_tsb .section}",
        "Does the SES Consumer Complaints System have consumer-facing functionality? {#section_cq1_z2h_tsb .section}",
        "Can federal regulators see complaints in SES? {#section_avy_yqb_tsb .section}",
        "Can state agencies enter and process complaints on non-depositories and depositories under their supervision? {#section_q5p_cfh_tsb .section}",
        "Do I have to create an account in SES in order to respond to a consumer complaint? {#section_fdc_crb_tsb .section}",
        "How will I be notified of a new complaint on my company? Can I get started now? {#section_qfl_drb_tsb .section}",
        "How long will I have to respond to the complaint in SES? {#section_e5r_2rb_tsb .section}",
        "Will I be notified when the complaint is closed? {#section_jsq_frb_tsb .section}",
        "Does SES have any data backup and recovery procedures in place in case of a disruption of services? {#section_lnk_3fh_tsb .section}",
        "Will SES users be able to backup their own data out of SES? {#section_p2f_hrb_tsb .section}",
        "Who is liable for the information in the system in the event of a security breach? {#section_yqj_spg_tsb .section}",
        "What assurances do I have that SES is appropriately safeguarding my agency’s information? {#section_sjr_zqh_tsb .section}",
        "Does SES have a mobile application? {#section_uyx_13g_tsb .section}",
        "Where can I find the technical requirements to use SES? {#section_kwv_xhg_tsb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/faq/topics/c_company_SES_FAQ.html",
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    {
      "id": "maps/SES/chapter/bizContent/faq/topics/c_company_SES_FAQ.md:chunk-2",
      "title": "State Examination System \\(SES\\) Industry FAQs {#c_company_SES_FAQ .concept}",
      "content": "nt request from a state agency. Further, a company only needs to go through the system enrollment process once. Once they are in the system, other state agencies will see the company in SES and be able to send the company examination and/or complains related information requests in the system.\n\n## Once a company gets access to SES, do they need multiple logins to access the supervisory side of the system and the complaints side of the system? \n\nNo, once a company follows the steps to be enrolled in the system, the company users only need one login to access SES to either manage an examination or handle a consume complaint.\n\n## I am associated with more than one company; do I need several logins to access the different company profiles in SES? \n\nNo, a company user only needs one login to access the system and can be associated with more than one company in SES.\n\n## Where can I find training material on SES? \n\nCompany resources can be found in the https://portal.stateexaminationsystem.org. Once the company is in SES, they will also be provided with assistance by accessing the “Need Help?” links throughout the system.\n\n## How long are documents kept in SES? Is there a document retention schedule? \n\nThe document retention schedule in SES is governed by the **interim SES Documents and Data retention policy**. Documents in SES are retained in the system according to the following schedules:\n\n-   **Category A Schedule.** Documents in Category A will be retained for a period of ten years. This retention time period will begin to run as of the date and time the supervisory activity or complaint is closed in the system, or when the last Matters Requiring Attention is closed, whichever is later. This is referred to as the ‘Closed’ Milestone in SES. The Supervisory Activity or Complaint reach theClosed Milestone when the examiner has conducted its review of the Supervisory Activity or complaint and determines that there is no further action to be taken with that SA or Complaint",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\faq\\topics\\c_company_SES_FAQ.md",
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      "headings": [
        "State Examination System \\(SES\\) Industry FAQs {#c_company_SES_FAQ .concept}",
        "What is SES and what does it do? {#section_q4x_dnb_tsb .section}",
        "Is SES still in development? {#section_qlg_y4b_tsb .section}",
        "Which agencies have agreed to use SES to supervise companies and process their consumer complaints? {#section_z32_1bg_tsb .section}",
        "What information can state agencies share in SES? {#section_cwm_hqb_tsb .section}",
        "Are there any laws or regulatory requirements for States using this system like NMLS? {#section_wzn_qrg_tsb .section}",
        "How does a company get access to SES? {#section_zbf_kqb_tsb .section}",
        "Once a company gets access to SES, do they need multiple logins to access the supervisory side of the system and the complaints side of the system? {#section_a2y_nqb_tsb .section}",
        "I am associated with more than one company; do I need several logins to access the different company profiles in SES? {#section_rkl_4qb_tsb .section}",
        "Where can I find training material on SES? {#section_pfg_pqb_tsb .section}",
        "How long are documents kept in SES? Is there a document retention schedule? {#section_uxk_brg_tsb .section}",
        "How long are data kept in SES? Is there a data retention schedule? {#section_tfx_pqg_tsb .section}",
        "Are there fees or costs for using SES? {#section_jfl_npg_tsb .section}",
        "Are SES and SES Consumer Complaints different systems? {#section_m2y_5qb_tsb .section}",
        "Is any of the information in SES Consumer Complaints publicly available? {#section_t1b_wqb_tsb .section}",
        "How does the SES Consumer Complaints System differ from the CFPB consumer complaints portal? {#section_ixy_f2h_tsb .section}",
        "Does SES Consumer Complaints connect with the CFPB complaints portal? {#section_uvp_y2h_tsb .section}",
        "Does the SES Consumer Complaints System have consumer-facing functionality? {#section_cq1_z2h_tsb .section}",
        "Can federal regulators see complaints in SES? {#section_avy_yqb_tsb .section}",
        "Can state agencies enter and process complaints on non-depositories and depositories under their supervision? {#section_q5p_cfh_tsb .section}",
        "Do I have to create an account in SES in order to respond to a consumer complaint? {#section_fdc_crb_tsb .section}",
        "How will I be notified of a new complaint on my company? Can I get started now? {#section_qfl_drb_tsb .section}",
        "How long will I have to respond to the complaint in SES? {#section_e5r_2rb_tsb .section}",
        "Will I be notified when the complaint is closed? {#section_jsq_frb_tsb .section}",
        "Does SES have any data backup and recovery procedures in place in case of a disruption of services? {#section_lnk_3fh_tsb .section}",
        "Will SES users be able to backup their own data out of SES? {#section_p2f_hrb_tsb .section}",
        "Who is liable for the information in the system in the event of a security breach? {#section_yqj_spg_tsb .section}",
        "What assurances do I have that SES is appropriately safeguarding my agency’s information? {#section_sjr_zqh_tsb .section}",
        "Does SES have a mobile application? {#section_uyx_13g_tsb .section}",
        "Where can I find the technical requirements to use SES? {#section_kwv_xhg_tsb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/faq/topics/c_company_SES_FAQ.html",
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    {
      "id": "maps/SES/chapter/bizContent/faq/topics/c_company_SES_FAQ.md:chunk-3",
      "title": "State Examination System \\(SES\\) Industry FAQs {#c_company_SES_FAQ .concept}",
      "content": "laint reach theClosed Milestone when the examiner has conducted its review of the Supervisory Activity or complaint and determines that there is no further action to be taken with that SA or Complaint. Documents will be permanently deleted from the system at the conclusion of the retention period. The attachment files under the Category A schedule are set forth below.\n    1.  All documents uploaded to the system by a regulatory agency user during a Supervisory Activity or handling of a Complaint. This includes the exchange of Information Requests in the system between agency and company users.\n    2.  Documents uploaded to the system by a company user uploaded to the system in response to the following activities only:\n        1.  A Report of Examination transmitted by a regulatory agency.\n        2.  Matters Requiring Attention as a result of a state Examination.\n        3.  An Investigation.\n        4.  A Complaint.\n-   **Category B Schedule.** Documents in Category B will be retained for a period of ninety days. This retention time period will begin to run as of the date and time the Supervisory Activity concludes and reaches the ‘Closed’ Milestone in the system or when the last Matters Requiring Attention is closed in the system, whichever is later. Documents will be permanently deleted from the system at the conclusion of the retention period.\n\n    Generally, documents subject to the Category B Schedule are any company user documents that are uploaded to the system, with the exception of documents uploaded to the system in response to a Report of Examination, MRA, Investigation or Complaint, which are subject to the Category A Schedule as defined above.\n\n## How long are data kept in SES? Is there a data retention schedule? \n\nCurrently, data are being retained indefinitely in the System. We are working on a retention schedule for all data in the System.\n\n.\n\n## Are there fees or costs for using SES? \n\nNo. SES development and operating costs are currently covered ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\faq\\topics\\c_company_SES_FAQ.md",
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      "headings": [
        "State Examination System \\(SES\\) Industry FAQs {#c_company_SES_FAQ .concept}",
        "What is SES and what does it do? {#section_q4x_dnb_tsb .section}",
        "Is SES still in development? {#section_qlg_y4b_tsb .section}",
        "Which agencies have agreed to use SES to supervise companies and process their consumer complaints? {#section_z32_1bg_tsb .section}",
        "What information can state agencies share in SES? {#section_cwm_hqb_tsb .section}",
        "Are there any laws or regulatory requirements for States using this system like NMLS? {#section_wzn_qrg_tsb .section}",
        "How does a company get access to SES? {#section_zbf_kqb_tsb .section}",
        "Once a company gets access to SES, do they need multiple logins to access the supervisory side of the system and the complaints side of the system? {#section_a2y_nqb_tsb .section}",
        "I am associated with more than one company; do I need several logins to access the different company profiles in SES? {#section_rkl_4qb_tsb .section}",
        "Where can I find training material on SES? {#section_pfg_pqb_tsb .section}",
        "How long are documents kept in SES? Is there a document retention schedule? {#section_uxk_brg_tsb .section}",
        "How long are data kept in SES? Is there a data retention schedule? {#section_tfx_pqg_tsb .section}",
        "Are there fees or costs for using SES? {#section_jfl_npg_tsb .section}",
        "Are SES and SES Consumer Complaints different systems? {#section_m2y_5qb_tsb .section}",
        "Is any of the information in SES Consumer Complaints publicly available? {#section_t1b_wqb_tsb .section}",
        "How does the SES Consumer Complaints System differ from the CFPB consumer complaints portal? {#section_ixy_f2h_tsb .section}",
        "Does SES Consumer Complaints connect with the CFPB complaints portal? {#section_uvp_y2h_tsb .section}",
        "Does the SES Consumer Complaints System have consumer-facing functionality? {#section_cq1_z2h_tsb .section}",
        "Can federal regulators see complaints in SES? {#section_avy_yqb_tsb .section}",
        "Can state agencies enter and process complaints on non-depositories and depositories under their supervision? {#section_q5p_cfh_tsb .section}",
        "Do I have to create an account in SES in order to respond to a consumer complaint? {#section_fdc_crb_tsb .section}",
        "How will I be notified of a new complaint on my company? Can I get started now? {#section_qfl_drb_tsb .section}",
        "How long will I have to respond to the complaint in SES? {#section_e5r_2rb_tsb .section}",
        "Will I be notified when the complaint is closed? {#section_jsq_frb_tsb .section}",
        "Does SES have any data backup and recovery procedures in place in case of a disruption of services? {#section_lnk_3fh_tsb .section}",
        "Will SES users be able to backup their own data out of SES? {#section_p2f_hrb_tsb .section}",
        "Who is liable for the information in the system in the event of a security breach? {#section_yqj_spg_tsb .section}",
        "What assurances do I have that SES is appropriately safeguarding my agency’s information? {#section_sjr_zqh_tsb .section}",
        "Does SES have a mobile application? {#section_uyx_13g_tsb .section}",
        "Where can I find the technical requirements to use SES? {#section_kwv_xhg_tsb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/faq/topics/c_company_SES_FAQ.html",
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      "id": "maps/SES/chapter/bizContent/faq/topics/c_company_SES_FAQ.md:chunk-4",
      "title": "State Examination System \\(SES\\) Industry FAQs {#c_company_SES_FAQ .concept}",
      "content": "initely in the System. We are working on a retention schedule for all data in the System.\n\n.\n\n## Are there fees or costs for using SES? \n\nNo. SES development and operating costs are currently covered by Nationwide Multistate Licensing System & Registry processing fees. Changes to this approach would be decided by the SRR Board of Managers and the CSBS Board of Directors.\n\n## Are SES and SES Consumer Complaints different systems? \n\nNo, SES Consumer Complaints is a large piece of functionality that is part of SES. Only one login is needed to access SES \\(for examinations and investigations\\), and the same login is used to access the consumer complaints functionality \\(for complaint handling\\).\n\n## Is any of the information in SES Consumer Complaints publicly available? \n\nNo, currently, the information in SES is not shared with the public or consumers.\n\n## How does the SES Consumer Complaints System differ from the CFPB consumer complaints portal? \n\nThe systems are different in many ways because the role of state regulators in the complaints process is different from the role of federal regulators. SES Consumer Complaints supports the work that both state regulators and companies do to together resolve consumer complaints. Further, there is no publicly available data from the SES Consumer Complaints system.\n\n## Does SES Consumer Complaints connect with the CFPB complaints portal? \n\nNo, not currently. If the situation calls for it, there is a way for an agency to enter a CFPB ID unique identifier for a complaint originating from the CFPB.\n\n## Does the SES Consumer Complaints System have consumer-facing functionality? \n\nNo, not currently. Consumers will continue to notify and communicate with agencies outside of SES.\n\n## Can federal regulators see complaints in SES? \n\nNo, currently, only state agencies can get access to SES and see consumer complaint data in the system.\n\n## Can state agencies enter and process complaints on non-depositories and depositories under their s",
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      "headings": [
        "State Examination System \\(SES\\) Industry FAQs {#c_company_SES_FAQ .concept}",
        "What is SES and what does it do? {#section_q4x_dnb_tsb .section}",
        "Is SES still in development? {#section_qlg_y4b_tsb .section}",
        "Which agencies have agreed to use SES to supervise companies and process their consumer complaints? {#section_z32_1bg_tsb .section}",
        "What information can state agencies share in SES? {#section_cwm_hqb_tsb .section}",
        "Are there any laws or regulatory requirements for States using this system like NMLS? {#section_wzn_qrg_tsb .section}",
        "How does a company get access to SES? {#section_zbf_kqb_tsb .section}",
        "Once a company gets access to SES, do they need multiple logins to access the supervisory side of the system and the complaints side of the system? {#section_a2y_nqb_tsb .section}",
        "I am associated with more than one company; do I need several logins to access the different company profiles in SES? {#section_rkl_4qb_tsb .section}",
        "Where can I find training material on SES? {#section_pfg_pqb_tsb .section}",
        "How long are documents kept in SES? Is there a document retention schedule? {#section_uxk_brg_tsb .section}",
        "How long are data kept in SES? Is there a data retention schedule? {#section_tfx_pqg_tsb .section}",
        "Are there fees or costs for using SES? {#section_jfl_npg_tsb .section}",
        "Are SES and SES Consumer Complaints different systems? {#section_m2y_5qb_tsb .section}",
        "Is any of the information in SES Consumer Complaints publicly available? {#section_t1b_wqb_tsb .section}",
        "How does the SES Consumer Complaints System differ from the CFPB consumer complaints portal? {#section_ixy_f2h_tsb .section}",
        "Does SES Consumer Complaints connect with the CFPB complaints portal? {#section_uvp_y2h_tsb .section}",
        "Does the SES Consumer Complaints System have consumer-facing functionality? {#section_cq1_z2h_tsb .section}",
        "Can federal regulators see complaints in SES? {#section_avy_yqb_tsb .section}",
        "Can state agencies enter and process complaints on non-depositories and depositories under their supervision? {#section_q5p_cfh_tsb .section}",
        "Do I have to create an account in SES in order to respond to a consumer complaint? {#section_fdc_crb_tsb .section}",
        "How will I be notified of a new complaint on my company? Can I get started now? {#section_qfl_drb_tsb .section}",
        "How long will I have to respond to the complaint in SES? {#section_e5r_2rb_tsb .section}",
        "Will I be notified when the complaint is closed? {#section_jsq_frb_tsb .section}",
        "Does SES have any data backup and recovery procedures in place in case of a disruption of services? {#section_lnk_3fh_tsb .section}",
        "Will SES users be able to backup their own data out of SES? {#section_p2f_hrb_tsb .section}",
        "Who is liable for the information in the system in the event of a security breach? {#section_yqj_spg_tsb .section}",
        "What assurances do I have that SES is appropriately safeguarding my agency’s information? {#section_sjr_zqh_tsb .section}",
        "Does SES have a mobile application? {#section_uyx_13g_tsb .section}",
        "Where can I find the technical requirements to use SES? {#section_kwv_xhg_tsb .section}"
      ],
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      "title": "State Examination System \\(SES\\) Industry FAQs {#c_company_SES_FAQ .concept}",
      "content": "rrently, only state agencies can get access to SES and see consumer complaint data in the system.\n\n## Can state agencies enter and process complaints on non-depositories and depositories under their supervision? \n\nYes, SES receives a nightly feed of non-depository company data from theNationwide Multistate Licensing System & Registry. The data source for depository-only institutions is not NMLS, but MicroStrategy and the National Information Center \\(NIC\\) database.\n\n## Do I have to create an account in SES in order to respond to a consumer complaint? \n\nNo, when the time is appropriate, your state agency will communicate with you and initiate the enrollment of your company’s first SES user. This process is typically completed prior to the start of an exam or complaint.\n\n## How will I be notified of a new complaint on my company? Can I get started now? \n\nIf you are your company’s regulatory contact, chances are you will be notified by the system with enrollment emails prior to your company's first exam or complaint. You also may hear from your state agency directly. Many agencies using SES have developed a communication plan specifically for this purpose.\n\n## How long will I have to respond to the complaint in SES? \n\nIf your agency requires you to provide a response, they will send you an information request \\(IR\\) through SES with a selected due date. Make sure to draft your response and send it back to the agency by the displayed due date.\n\n## Will I be notified when the complaint is closed? \n\nYes, the system will send an email to the company point of contact \\(POC\\) when the agency closes the complaint.\n\n## Does SES have any data backup and recovery procedures in place in case of a disruption of services? \n\nYes. SES was developed with industry-standard backup and recovery requirements. Due to security considerations, details are available upon request.\n\n## Will SES users be able to backup their own data out of SES? \n\nEach SES user will be able to extract documenta",
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      "relative_path": "maps\\SES\\chapter\\bizContent\\faq\\topics\\c_company_SES_FAQ.md",
      "headings": [
        "State Examination System \\(SES\\) Industry FAQs {#c_company_SES_FAQ .concept}",
        "What is SES and what does it do? {#section_q4x_dnb_tsb .section}",
        "Is SES still in development? {#section_qlg_y4b_tsb .section}",
        "Which agencies have agreed to use SES to supervise companies and process their consumer complaints? {#section_z32_1bg_tsb .section}",
        "What information can state agencies share in SES? {#section_cwm_hqb_tsb .section}",
        "Are there any laws or regulatory requirements for States using this system like NMLS? {#section_wzn_qrg_tsb .section}",
        "How does a company get access to SES? {#section_zbf_kqb_tsb .section}",
        "Once a company gets access to SES, do they need multiple logins to access the supervisory side of the system and the complaints side of the system? {#section_a2y_nqb_tsb .section}",
        "I am associated with more than one company; do I need several logins to access the different company profiles in SES? {#section_rkl_4qb_tsb .section}",
        "Where can I find training material on SES? {#section_pfg_pqb_tsb .section}",
        "How long are documents kept in SES? Is there a document retention schedule? {#section_uxk_brg_tsb .section}",
        "How long are data kept in SES? Is there a data retention schedule? {#section_tfx_pqg_tsb .section}",
        "Are there fees or costs for using SES? {#section_jfl_npg_tsb .section}",
        "Are SES and SES Consumer Complaints different systems? {#section_m2y_5qb_tsb .section}",
        "Is any of the information in SES Consumer Complaints publicly available? {#section_t1b_wqb_tsb .section}",
        "How does the SES Consumer Complaints System differ from the CFPB consumer complaints portal? {#section_ixy_f2h_tsb .section}",
        "Does SES Consumer Complaints connect with the CFPB complaints portal? {#section_uvp_y2h_tsb .section}",
        "Does the SES Consumer Complaints System have consumer-facing functionality? {#section_cq1_z2h_tsb .section}",
        "Can federal regulators see complaints in SES? {#section_avy_yqb_tsb .section}",
        "Can state agencies enter and process complaints on non-depositories and depositories under their supervision? {#section_q5p_cfh_tsb .section}",
        "Do I have to create an account in SES in order to respond to a consumer complaint? {#section_fdc_crb_tsb .section}",
        "How will I be notified of a new complaint on my company? Can I get started now? {#section_qfl_drb_tsb .section}",
        "How long will I have to respond to the complaint in SES? {#section_e5r_2rb_tsb .section}",
        "Will I be notified when the complaint is closed? {#section_jsq_frb_tsb .section}",
        "Does SES have any data backup and recovery procedures in place in case of a disruption of services? {#section_lnk_3fh_tsb .section}",
        "Will SES users be able to backup their own data out of SES? {#section_p2f_hrb_tsb .section}",
        "Who is liable for the information in the system in the event of a security breach? {#section_yqj_spg_tsb .section}",
        "What assurances do I have that SES is appropriately safeguarding my agency’s information? {#section_sjr_zqh_tsb .section}",
        "Does SES have a mobile application? {#section_uyx_13g_tsb .section}",
        "Where can I find the technical requirements to use SES? {#section_kwv_xhg_tsb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/faq/topics/c_company_SES_FAQ.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/faq/topics/c_company_SES_FAQ.md:chunk-6",
      "title": "State Examination System \\(SES\\) Industry FAQs {#c_company_SES_FAQ .concept}",
      "content": "very requirements. Due to security considerations, details are available upon request.\n\n## Will SES users be able to backup their own data out of SES? \n\nEach SES user will be able to extract documentation that the user uploaded to the system related to a particular examination. Documentation includes information request responses, and the ROE.\n\n## Who is liable for the information in the system in the event of a security breach? \n\nRefer to the**State Agency Terms of Use**, specifically **Section 14 \\(c\\)** which states:\n\n> \\(C\\) In the event of a security or privacy breachState Agency authorizes SRR and SRR agrees to be solely responsible for any notification to affected individuals and any public communications regarding such breach. State Agency will assist SRR in complying with state law and SRR agrees to so comply. State Agency will be responsible, with coordination from SRR, for communications within its respective state agency or government \\(e.g. governor, attorney general\\).\n\n,\n\n## What assurances do I have that SES is appropriately safeguarding my agency’s information? \n\nSES was designed and tested to exceed the stringent security standards of a FedRAMP/FISMA Moderate-level system. Individual components are built and monitored using industry best practices, including the Center for Internet Security \\(CIS\\) and vendor best practices. Multi-factor authentication and TLS 1.2-only encrypted connections are required for access.\n\nFor more specific security questions about SES, please access the State Examination System Company Security FAQs.\n\n## Does SES have a mobile application? \n\nSES is developed on the Appian™ platform, which may be accessed via a mobile app. There is no separate SES app available for download.\n\n## Where can I find the technical requirements to use SES? \n\n-   SES is a web-based application, developed on the Appian™ platform. For end users, all that is required is a browser and internet access.\n-   Additional information on the technical requ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\faq\\topics\\c_company_SES_FAQ.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\faq\\topics\\c_company_SES_FAQ.md",
      "headings": [
        "State Examination System \\(SES\\) Industry FAQs {#c_company_SES_FAQ .concept}",
        "What is SES and what does it do? {#section_q4x_dnb_tsb .section}",
        "Is SES still in development? {#section_qlg_y4b_tsb .section}",
        "Which agencies have agreed to use SES to supervise companies and process their consumer complaints? {#section_z32_1bg_tsb .section}",
        "What information can state agencies share in SES? {#section_cwm_hqb_tsb .section}",
        "Are there any laws or regulatory requirements for States using this system like NMLS? {#section_wzn_qrg_tsb .section}",
        "How does a company get access to SES? {#section_zbf_kqb_tsb .section}",
        "Once a company gets access to SES, do they need multiple logins to access the supervisory side of the system and the complaints side of the system? {#section_a2y_nqb_tsb .section}",
        "I am associated with more than one company; do I need several logins to access the different company profiles in SES? {#section_rkl_4qb_tsb .section}",
        "Where can I find training material on SES? {#section_pfg_pqb_tsb .section}",
        "How long are documents kept in SES? Is there a document retention schedule? {#section_uxk_brg_tsb .section}",
        "How long are data kept in SES? Is there a data retention schedule? {#section_tfx_pqg_tsb .section}",
        "Are there fees or costs for using SES? {#section_jfl_npg_tsb .section}",
        "Are SES and SES Consumer Complaints different systems? {#section_m2y_5qb_tsb .section}",
        "Is any of the information in SES Consumer Complaints publicly available? {#section_t1b_wqb_tsb .section}",
        "How does the SES Consumer Complaints System differ from the CFPB consumer complaints portal? {#section_ixy_f2h_tsb .section}",
        "Does SES Consumer Complaints connect with the CFPB complaints portal? {#section_uvp_y2h_tsb .section}",
        "Does the SES Consumer Complaints System have consumer-facing functionality? {#section_cq1_z2h_tsb .section}",
        "Can federal regulators see complaints in SES? {#section_avy_yqb_tsb .section}",
        "Can state agencies enter and process complaints on non-depositories and depositories under their supervision? {#section_q5p_cfh_tsb .section}",
        "Do I have to create an account in SES in order to respond to a consumer complaint? {#section_fdc_crb_tsb .section}",
        "How will I be notified of a new complaint on my company? Can I get started now? {#section_qfl_drb_tsb .section}",
        "How long will I have to respond to the complaint in SES? {#section_e5r_2rb_tsb .section}",
        "Will I be notified when the complaint is closed? {#section_jsq_frb_tsb .section}",
        "Does SES have any data backup and recovery procedures in place in case of a disruption of services? {#section_lnk_3fh_tsb .section}",
        "Will SES users be able to backup their own data out of SES? {#section_p2f_hrb_tsb .section}",
        "Who is liable for the information in the system in the event of a security breach? {#section_yqj_spg_tsb .section}",
        "What assurances do I have that SES is appropriately safeguarding my agency’s information? {#section_sjr_zqh_tsb .section}",
        "Does SES have a mobile application? {#section_uyx_13g_tsb .section}",
        "Where can I find the technical requirements to use SES? {#section_kwv_xhg_tsb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/faq/topics/c_company_SES_FAQ.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/faq/topics/c_company_SES_FAQ.md:chunk-7",
      "title": "State Examination System \\(SES\\) Industry FAQs {#c_company_SES_FAQ .concept}",
      "content": "use SES? \n\n-   SES is a web-based application, developed on the Appian™ platform. For end users, all that is required is a browser and internet access.\n-   Additional information on the technical requirements can be found on the State Examination System Technology Requirements knowledge article.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\faq\\topics\\c_company_SES_FAQ.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\faq\\topics\\c_company_SES_FAQ.md",
      "headings": [
        "State Examination System \\(SES\\) Industry FAQs {#c_company_SES_FAQ .concept}",
        "What is SES and what does it do? {#section_q4x_dnb_tsb .section}",
        "Is SES still in development? {#section_qlg_y4b_tsb .section}",
        "Which agencies have agreed to use SES to supervise companies and process their consumer complaints? {#section_z32_1bg_tsb .section}",
        "What information can state agencies share in SES? {#section_cwm_hqb_tsb .section}",
        "Are there any laws or regulatory requirements for States using this system like NMLS? {#section_wzn_qrg_tsb .section}",
        "How does a company get access to SES? {#section_zbf_kqb_tsb .section}",
        "Once a company gets access to SES, do they need multiple logins to access the supervisory side of the system and the complaints side of the system? {#section_a2y_nqb_tsb .section}",
        "I am associated with more than one company; do I need several logins to access the different company profiles in SES? {#section_rkl_4qb_tsb .section}",
        "Where can I find training material on SES? {#section_pfg_pqb_tsb .section}",
        "How long are documents kept in SES? Is there a document retention schedule? {#section_uxk_brg_tsb .section}",
        "How long are data kept in SES? Is there a data retention schedule? {#section_tfx_pqg_tsb .section}",
        "Are there fees or costs for using SES? {#section_jfl_npg_tsb .section}",
        "Are SES and SES Consumer Complaints different systems? {#section_m2y_5qb_tsb .section}",
        "Is any of the information in SES Consumer Complaints publicly available? {#section_t1b_wqb_tsb .section}",
        "How does the SES Consumer Complaints System differ from the CFPB consumer complaints portal? {#section_ixy_f2h_tsb .section}",
        "Does SES Consumer Complaints connect with the CFPB complaints portal? {#section_uvp_y2h_tsb .section}",
        "Does the SES Consumer Complaints System have consumer-facing functionality? {#section_cq1_z2h_tsb .section}",
        "Can federal regulators see complaints in SES? {#section_avy_yqb_tsb .section}",
        "Can state agencies enter and process complaints on non-depositories and depositories under their supervision? {#section_q5p_cfh_tsb .section}",
        "Do I have to create an account in SES in order to respond to a consumer complaint? {#section_fdc_crb_tsb .section}",
        "How will I be notified of a new complaint on my company? Can I get started now? {#section_qfl_drb_tsb .section}",
        "How long will I have to respond to the complaint in SES? {#section_e5r_2rb_tsb .section}",
        "Will I be notified when the complaint is closed? {#section_jsq_frb_tsb .section}",
        "Does SES have any data backup and recovery procedures in place in case of a disruption of services? {#section_lnk_3fh_tsb .section}",
        "Will SES users be able to backup their own data out of SES? {#section_p2f_hrb_tsb .section}",
        "Who is liable for the information in the system in the event of a security breach? {#section_yqj_spg_tsb .section}",
        "What assurances do I have that SES is appropriately safeguarding my agency’s information? {#section_sjr_zqh_tsb .section}",
        "Does SES have a mobile application? {#section_uyx_13g_tsb .section}",
        "Where can I find the technical requirements to use SES? {#section_kwv_xhg_tsb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/faq/topics/c_company_SES_FAQ.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/faq/topics/c_company_SES_Security.md:chunk-0",
      "title": "State Examination System Company Security FAQs {#c_company_SES_Security .concept}",
      "content": "# State Examination System Company Security FAQs \n\nFrequently Asked Questions about SES Security.\n\nSES is implemented through a combination of FedRAMP-authorized Appian Cloud \\(PaaS, Package ID: F1210011608\\) and CSBS-managed systems located in FedRAMP-authorized AWS \\(IaaS, Package ID: AGENCYAMAZONEW\\). The system is integrated with the CSBS FedRAMP-authorized Single Sign-On platform, Okta \\(SaaS, Package ID: F1512167750\\), which enforces the use of multi-factor authentication \\(MFA\\) for all users. All access is via TLS v1.2-encrypted connections requiring MFA.\n\nAccounts are used for separating out the various environments for development, testing, training, production, and management. They allow for granular separation of duties and access controls following the concept of least privilege. Each account also uses multiple subnets to further restrict and manage traffic.\n\nSES systems are configured to a tailored Center for Internet Security \\(CIS\\) baseline. Operating systems include current versions of Windows Server and Red Hat Linux. AWS itself is configured against CIS Web Services Foundation v1.2, as well as Amazon’s own AWS Best Practices.\n\nVulnerabilities, patching, and baseline configuration are continuously monitored using a combination of external scanning, locally installed agents, and detailed logging. All data is correlated in a central Security Information and Event Management \\(SIEM\\) tool.\n\nThe system was assessed by an Accredited Third-Party Auditor to NIST 800-53 rev 4, at a FISMA Moderate level and undergoes annual assessments of the security controls. A full penetration test conducted by a third-party, separate from the FISMA auditors, is conducted annually.\n\n-   **Site Access**  \nFAQs regarding site access security.\n-   **Site Management**  \nFAQs regarding site management security.\n-   **Data Use and Accessibility**  \nFAQs regarding data use and accessibility.\n-   **Data Loss Prevention**  \nFAQs regarding data loss prevention.\n-   **Data Securit",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\faq\\topics\\c_company_SES_Security.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\faq\\topics\\c_company_SES_Security.md",
      "headings": [
        "State Examination System Company Security FAQs {#c_company_SES_Security .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/faq/topics/c_company_SES_Security.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/faq/topics/c_company_SES_Security.md:chunk-1",
      "title": "State Examination System Company Security FAQs {#c_company_SES_Security .concept}",
      "content": "garding site management security.\n-   **Data Use and Accessibility**  \nFAQs regarding data use and accessibility.\n-   **Data Loss Prevention**  \nFAQs regarding data loss prevention.\n-   **Data Security Maintenance**  \nFAQs regarding maintaining data security.\n-   **Site Security and Privacy**  \nFAQs regarding SES site security and privacy.\n-   **Physical Security**  \nFAQs regarding SES physical security.\n\n**Related information**  \n\nState Examination System \\(SES\\) Agency FAQs\n\nState Examination System \\(SES\\) Industry FAQs",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\faq\\topics\\c_company_SES_Security.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\faq\\topics\\c_company_SES_Security.md",
      "headings": [
        "State Examination System Company Security FAQs {#c_company_SES_Security .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/faq/topics/c_company_SES_Security.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/faq/topics/c_company_SES_Security_dataLossPrevention.md:chunk-0",
      "title": "Data Loss Prevention {#c_company_SES_Security_dataLossPrevention .concept}",
      "content": "# Data Loss Prevention \n\nFAQs regarding data loss prevention.\n\n-   **Does CSBS have cyber insurance?**\n\n    Yes. CSBS takes all the necessary precautions to ensure the security of its clients’ data is secure, including maintaining cyber insurance.\n\n-   **What are contingency plans in place for system outages?**\n\n    The system is configured for high availability and uses different AWS availability zones to help reduce the likelihood of a prolonged outage. As a Contingency Plan \\(CP\\) is designed to help a company continue operations in the event of a disruption, it is up to each State Regulatory Agency individually to determine the potential business impact and create an appropriate CP.\n\n-   **What protocols are in place in the event of a data breach? Is there a process for the site owner to notify states who will then notify us? What is the state’s position on liability if a breach occurs?**\n\n    CSBS has an incident response plan in place that has been approved by its board of directors. Actions are coordinated through its breach counsel and with the affected states.\n\n-   **Are system backups of the application data performed?**\n\n    Yes. System backups of the application data are performed on a regular basis.\n\n**Parent topic:**State Examination System Company Security FAQs\n\n**Related information**  \n\nState Examination System \\(SES\\) Agency FAQs\n\nState Examination System \\(SES\\) Industry FAQs",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\faq\\topics\\c_company_SES_Security_dataLossPrevention.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\faq\\topics\\c_company_SES_Security_dataLossPrevention.md",
      "headings": [
        "Data Loss Prevention {#c_company_SES_Security_dataLossPrevention .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/faq/topics/c_company_SES_Security_dataLossPrevention.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/faq/topics/c_company_SES_Security_dataSecurityMaintenance.md:chunk-0",
      "title": "Data Security Maintenance {#c_company_SES_Security_dataSecurityMaintenance .concept}",
      "content": "# Data Security Maintenance \n\nFAQs regarding maintaining data security.\n\n-   **Are there periodic reviews via installed malware detection programs that identify any system threats?**\n\n    Yes. Systems are continuously monitored at the endpoint level, network level, and perimeter for malicious activity and threats. Vulnerability scanning is performed at a 4-hour interval. All results are aggregated in a central Security Information and Event Management \\(SIEM\\) tool which is configured to alert on anomalous behavior.\n\n-   **When was the last penetration test for the external facing portal?**\n\n    The last penetration test was performed in September 2020.\n\n-   **Are security testing results available? Is there a SOC2 audit performed on the entity? If so, is the SOC2 documentation available?**\n    -   The audit results are not available to the public.\n    -   CSBS is currently undergoing a SOC for cybersecurity assessment. SES itself is hosted between two CSPs: Appian and AWS. Both Appian \\(front-end\\) and AWS \\(back-end\\) are FedRAMP authorized at a moderate level and have SOC-2 information available through their respective websites.\n    -   SES underwent an initial third-party FISMA assessment as part of their initial authorization to operate. Reassessments are performed annually.\n-   **Are automated input checks \\(error checks\\) to detect out-of-range values, invalid characters, missing, or incomplete data implemented?**\n\n    Yes, automated input checks are performed on a regular basis.\n\n**Parent topic:**State Examination System Company Security FAQs\n\n**Related information**  \n\nState Examination System \\(SES\\) Agency FAQs\n\nState Examination System \\(SES\\) Industry FAQs",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\faq\\topics\\c_company_SES_Security_dataSecurityMaintenance.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\faq\\topics\\c_company_SES_Security_dataSecurityMaintenance.md",
      "headings": [
        "Data Security Maintenance {#c_company_SES_Security_dataSecurityMaintenance .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/faq/topics/c_company_SES_Security_dataSecurityMaintenance.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/faq/topics/c_company_SES_Security_dataUseAndAccessibility.md:chunk-0",
      "title": "Data Use and Accessibility {#c_company_SES_Security_dataUseAndAccessibility .concept}",
      "content": "# Data Use and Accessibility \n\nFAQs regarding data use and accessibility.\n\n-   **Is any information shared with others, such as states agencies, regulators, and systems?**\n\n    Information in the system may be shared with other state agencies. Certain state regulator roles in the system can grant access to certain data to other state regulators.\n\n-   **Other than the examiner\\(s\\) working on the exam, who has access to the exam data?**\n\n    The system is supported by the NMLS Call Center. Individuals with a Support User role in the system have view-only access. They have no access to any of the documents uploaded or maintained in the system—either by a company or agency user.\n\n-   **How long does the data remain in the system following the completion of the exam?**\n\n    Documents and data are handled separately for retention purposes. View our SES Policies for more information.\n\n-   **Is any data removed ever from the system?**\n\n    No. All information remains in the system.\n\n-   **What type of data will be held in the system with AHFCs data?**\n\n    The system is designed for state financial exams and is used by multiple states. Data from different exams is saved in the system. The system is not specific to AHFC.\n\n**Parent topic:**State Examination System Company Security FAQs\n\n**Related information**  \n\nState Examination System \\(SES\\) Agency FAQs\n\nState Examination System \\(SES\\) Industry FAQs",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\faq\\topics\\c_company_SES_Security_dataUseAndAccessibility.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\faq\\topics\\c_company_SES_Security_dataUseAndAccessibility.md",
      "headings": [
        "Data Use and Accessibility {#c_company_SES_Security_dataUseAndAccessibility .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/faq/topics/c_company_SES_Security_dataUseAndAccessibility.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/faq/topics/c_company_SES_Security_physicalSecurity.md:chunk-0",
      "title": "Physical Security {#c_company_SES_Security_physicalSecurity .concept}",
      "content": "# Physical Security \n\nFAQs regarding SES physical security.\n\n-   **What are physical controls in place where AHFC data will be stored?**\n\n    All physical systems are in cloud data centers, specifically AWS East and AWS GovCloud East.\n\n-   **Do the application audit logs capture activity performed by privileged accounts, security events and exceptions?**\n\n    Yes, the application audit logs capture all activity performed by accounts, security events and exceptions, whether privileged or not.\n\n-   **Are audit logs retained in accordance with the company’s record retention schedule?**\n\n    Yes. System audit logs are retained for two years \\(730 days\\) from creation. Security alerts are retained for 7 years \\(2,555 days\\).\n\n-   **Are logging and monitoring methods employed in accordance with company requirements?**\n\n    Yes, all SES logs are sent to Splunk as a log server and SIEM.\n\n-   **Are audit logs for the application protected from unauthorized access, modification, and destruction?**\n\n    Yes, logs are restricted to either the system administrator on the source system, or the InfoSec monitoring team for the central log source \\(Splunk\\).\n\n**Parent topic:**State Examination System Company Security FAQs\n\n**Related information**  \n\nState Examination System \\(SES\\) Agency FAQs\n\nState Examination System \\(SES\\) Industry FAQs",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\faq\\topics\\c_company_SES_Security_physicalSecurity.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\faq\\topics\\c_company_SES_Security_physicalSecurity.md",
      "headings": [
        "Physical Security {#c_company_SES_Security_physicalSecurity .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/faq/topics/c_company_SES_Security_physicalSecurity.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/faq/topics/c_company_SES_Security_siteAccess.md:chunk-0",
      "title": "Site Access {#c_company_SES_Security_siteAccess .concept}",
      "content": "# Site Access \n\nFAQs regarding site access security.\n\n-   **Are all required approvals documented for each access request?**\n\n    Yes, all required approvals or modification to a user’s or account’s access privileges are fully documented.\n\n-   **Are User IDs for the application uniquely attributable to individuals when accountability is required?**\n\n    Yes.\n\n-   **Are access privileges grated to users or accounts in accordance with company policy \\(including Segregation of Duties\\)?**\n\n    Yes. User accounts are managed by the company account administrator. It is up to each company to institute a policy around access privileges.\n\n-   **How often are access privileges granted to users or accounts reviewed?**\n\n    Access privileges are reviewed every 12 months to determine if access rights are commensurate to the user’s or account’s job duties. If the employment status of a user that has been granted access changes or becomes terminated, their access will be terminated as well.\n\n-   **Does the application utilize the company’s password management system or equivalent to ensure unique IDs, password complexity and strength?**\n\n    Okta manages the identities of all system users and Symantec VIP or GoogleAuth as multi-factor authenticators.\n\n-   **Are vendor-supplied default settings \\(i.e. passwords\\) deleted, disabled or renamed?**\n\n    Yes, at the company’s discretion.\n\n**Parent topic:**State Examination System Company Security FAQs\n\n**Related information**  \n\nState Examination System \\(SES\\) Agency FAQs\n\nState Examination System \\(SES\\) Industry FAQs",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\faq\\topics\\c_company_SES_Security_siteAccess.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\faq\\topics\\c_company_SES_Security_siteAccess.md",
      "headings": [
        "Site Access {#c_company_SES_Security_siteAccess .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/faq/topics/c_company_SES_Security_siteAccess.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/faq/topics/c_company_SES_Security_siteManagement.md:chunk-0",
      "title": "Site Management {#c_company_SES_Security_siteManagement .concept}",
      "content": "# Site Management \n\nFAQs regarding site management security.\n\n-   **Who owns the site?**\n\n    The site is owned by the Conference of State Bank Supervisors.\n\n-   **Who is responsible for ensuring the information is kept confidential?**\n\n    Account permissions are established and maintained by the State regulators for the data under exam. CSBS has a CISO and Chief Privacy Officer who are responsible for overall policy, practice, and oversight of security and privacy.\n\n**Parent topic:**State Examination System Company Security FAQs\n\n**Related information**  \n\nState Examination System \\(SES\\) Agency FAQs\n\nState Examination System \\(SES\\) Industry FAQs",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\faq\\topics\\c_company_SES_Security_siteManagement.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\faq\\topics\\c_company_SES_Security_siteManagement.md",
      "headings": [
        "Site Management {#c_company_SES_Security_siteManagement .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/faq/topics/c_company_SES_Security_siteManagement.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/faq/topics/c_company_SES_Security_siteSecurityAndPrivacy.md:chunk-0",
      "title": "Site Security and Privacy {#c_company_SES_Security_siteSecurityAndPrivacy .concept}",
      "content": "# Site Security and Privacy \n\nFAQs regarding SES site security and privacy.\n\n-   **How is the data secured while in flight and at rest?**\n    -   Data in flight is encrypted using FIPS-199 validated encryption modules. Connections are secured using TLS 1.2. Internal tunnels between the back-end and front-end are IPSec encrypted using AES.\n    -   Data at rest is encrypted at the volume level using AES with keys managed and rotated automatically by Amazon KMS.\n-   **What types of security measures are in place for provisioning, deprovisioning, and changes to access?**\n\n    SRR operates on the principle of least privilege for who has access changes to the system, including access. There are a limited number of people with access to deploy releases and all releases go through a change review and control process. Everything is documented and tested before being approved. All access and changes are logged centrally.\n\n-   **What processes are in place to manage CSPs \\(Cloud Service Providers – AWS, Azure, etc.\\)?**\n\n    CSPs are required to be FedRAMP authorized. We review their FedRAMP packages to understand the controls, and monitor updates, logs, and alerts related to that package.\n\n-   **What is the underlying technology infrastructure?**\n\n    AWS and Appian\n\n-   **What type of MFA \\(Multi-Factor Authentication\\) is in place?**\n    -   Multifactor access for CSBS personnel is managed through single sign-on integration with Duo.\n    -   Non-CSBS personnel use time-based tokens \\(TOTP\\), such as Google Authenticator, for MFA.\n-   **How are vulnerabilities managed? How often are vulnerabilities scanned?**\n\n    Vulnerabilities are tracked in a ticketing system with end-point scanning occurring every four hours.\n\n-   **What network security controls are in place?**\n\n    The CSPs both send logs to our central SIEM. We also have network monitoring sensors from Darktrace.\n\n**Parent topic:**State Examination System Company Security FAQs\n\n**Related information**  \n\nState Examin",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\faq\\topics\\c_company_SES_Security_siteSecurityAndPrivacy.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\faq\\topics\\c_company_SES_Security_siteSecurityAndPrivacy.md",
      "headings": [
        "Site Security and Privacy {#c_company_SES_Security_siteSecurityAndPrivacy .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/faq/topics/c_company_SES_Security_siteSecurityAndPrivacy.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/faq/topics/c_company_SES_Security_siteSecurityAndPrivacy.md:chunk-1",
      "title": "Site Security and Privacy {#c_company_SES_Security_siteSecurityAndPrivacy .concept}",
      "content": "Ps both send logs to our central SIEM. We also have network monitoring sensors from Darktrace.\n\n**Parent topic:**State Examination System Company Security FAQs\n\n**Related information**  \n\nState Examination System \\(SES\\) Agency FAQs\n\nState Examination System \\(SES\\) Industry FAQs",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\faq\\topics\\c_company_SES_Security_siteSecurityAndPrivacy.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\faq\\topics\\c_company_SES_Security_siteSecurityAndPrivacy.md",
      "headings": [
        "Site Security and Privacy {#c_company_SES_Security_siteSecurityAndPrivacy .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/faq/topics/c_company_SES_Security_siteSecurityAndPrivacy.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/onboarding/topics/c_agency_GS_companySESaccount_NonNMLS-1.md:chunk-0",
      "title": "SES Account Creation for Entities Not Managed in NMLS {#xd_80647b36c08634d1--224c7740-180a488b21a--7ff1 .concept}",
      "content": "# SES Account Creation for Entities Not Managed in NMLS \n\nHow to guide a company whose license is not managed in NMLS or who has been identified as a non-NMLS entity within SES Consumer Complaints, through the SES enrollment process.\n\nFirst, the company must create an NMLS account.\n\nThis guidance is recommended when your agency plans to conduct supervisory activities in SES on entities whose license is not managed in NMLS. Using this process also enables agencies to onboard a Non-NMLS Entity created in SES Consumer Complaints which enables use of the information request functionality on their complaints in SES.\n\n**Note:** You have the option to close the complaint for a Non-NMLS Entity outside of SES \\(e.g., by mail\\). Then you can upload the email thread to research and communication for the non-NMLS entity and close the complaint.\n\nSES uses a secure data link to generate records for all licensed non-depository companies managed in NMLS. The data source for depository-only institutions is not NMLS, but MicroStrategy and the National Information Center \\(NIC\\) database.These company records allow regulators to initiate the onboarding process and conduct supervisory activities.\n\nIn addition, non-depository companies licensed by your agency BUT not managed in NMLS may become users of SES by completing the NMLS Account Request Form. See Creating an NMLS Account to Establish Your SES Account for more information.\n\n**Note:** It is recommended to send this link to the company to help them learn how to create their NMLS account.\n\nWhen the company creates their NMLS account, it prompts the creation of an SES company record via the connection to NMLS on the next business day. See Enrolling a Company User for Exams or Complaints Enrollment for next steps.\n\nKeep in mind, the licensee only needs to complete the NMLS account request form; they do not need to return to NMLS or complete any additional NMLS forms to proceed. The information submitted as part of the account request ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\onboarding\\topics\\c_agency_GS_companySESaccount_NonNMLS-1.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\onboarding\\topics\\c_agency_GS_companySESaccount_NonNMLS-1.md",
      "headings": [
        "SES Account Creation for Entities Not Managed in NMLS {#xd_80647b36c08634d1--224c7740-180a488b21a--7ff1 .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/onboarding/topics/c_agency_GS_companySESaccount_NonNMLS-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/onboarding/topics/c_agency_GS_companySESaccount_NonNMLS-1.md:chunk-1",
      "title": "SES Account Creation for Entities Not Managed in NMLS {#xd_80647b36c08634d1--224c7740-180a488b21a--7ff1 .concept}",
      "content": "see only needs to complete the NMLS account request form; they do not need to return to NMLS or complete any additional NMLS forms to proceed. The information submitted as part of the account request must be complete and accurate. Failure to comply with this direction will delay the processing of the request, delaying company enrollment. Federal institutions are exempt from this requirement. You will not receive a notification when company accounts are approved or rejected.\n\n**Parent topic:**Company Onboarding",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\onboarding\\topics\\c_agency_GS_companySESaccount_NonNMLS-1.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\onboarding\\topics\\c_agency_GS_companySESaccount_NonNMLS-1.md",
      "headings": [
        "SES Account Creation for Entities Not Managed in NMLS {#xd_80647b36c08634d1--224c7740-180a488b21a--7ff1 .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/onboarding/topics/c_agency_GS_companySESaccount_NonNMLS-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/onboarding/topics/c_agency_GS_companySESaccount_NonNMLS.md:chunk-0",
      "title": "SES Account Creation for Entities Not Managed in NMLS {#xd_80647b36c08634d1--224c7740-180a488b21a--7ff1 .concept}",
      "content": "# SES Account Creation for Entities Not Managed in NMLS \n\nHow to guide a company whose license is not managed in NMLS or who has been identified as a non-NMLS entity within SES Consumer Complaints, through the SES enrollment process.\n\nFirst, the company must create an NMLS account.\n\nThis guidance is recommended when your agency plans to conduct supervisory activities in SES on entities whose license is not managed in NMLS. Using this process also enables agencies to onboard a Non-NMLS Entity created in SES Consumer Complaints which enables use of the information request functionality on their complaints in SES.\n\n**Note:** You have the option to close the complaint for a Non-NMLS Entity outside of SES \\(e.g., by mail\\). Then you can upload the email thread to research and communication for the non-NMLS entity and close the complaint.\n\nSES uses a secure data link to generate records for all licensed non-depository companies managed in NMLS. The data source for depository-only institutions is not NMLS, but MicroStrategy and the National Information Center \\(NIC\\) database.These company records allow regulators to initiate the onboarding process and conduct supervisory activities.\n\nIn addition, non-depository companies licensed by your agency BUT not managed in NMLS may become users of SES by completing the NMLS Account Request Form. See Creating an NMLS Account to Establish Your SES Account for more information.\n\n**Note:** It is recommended to send this link to the company to help them learn how to create their NMLS account.\n\nWhen the company creates their NMLS account, it prompts the creation of an SES company record via the connection to NMLS on the next business day. See Enrolling a Company User for Exams or Complaints Enrollment for next steps.\n\nKeep in mind, the licensee only needs to complete the NMLS account request form; they do not need to return to NMLS or complete any additional NMLS forms to proceed. The information submitted as part of the account request ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\onboarding\\topics\\c_agency_GS_companySESaccount_NonNMLS.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\onboarding\\topics\\c_agency_GS_companySESaccount_NonNMLS.md",
      "headings": [
        "SES Account Creation for Entities Not Managed in NMLS {#xd_80647b36c08634d1--224c7740-180a488b21a--7ff1 .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/onboarding/topics/c_agency_GS_companySESaccount_NonNMLS.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/onboarding/topics/c_agency_GS_companySESaccount_NonNMLS.md:chunk-1",
      "title": "SES Account Creation for Entities Not Managed in NMLS {#xd_80647b36c08634d1--224c7740-180a488b21a--7ff1 .concept}",
      "content": "see only needs to complete the NMLS account request form; they do not need to return to NMLS or complete any additional NMLS forms to proceed. The information submitted as part of the account request must be complete and accurate. Failure to comply with this direction will delay the processing of the request, delaying company enrollment. Federal institutions are exempt from this requirement. You will not receive a notification when company accounts are approved or rejected.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\onboarding\\topics\\c_agency_GS_companySESaccount_NonNMLS.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\onboarding\\topics\\c_agency_GS_companySESaccount_NonNMLS.md",
      "headings": [
        "SES Account Creation for Entities Not Managed in NMLS {#xd_80647b36c08634d1--224c7740-180a488b21a--7ff1 .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/onboarding/topics/c_agency_GS_companySESaccount_NonNMLS.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/onboarding/topics/c_agency_GS_consumerComplaints.md:chunk-0",
      "title": "SES Consumer Complaints {#c_agency_GS_consumerComplaints .concept}",
      "content": "# SES Consumer Complaints \n\nSES Consumer Complaints offers not only the ability to enter and process complaints and the ability to collaborate with other agencies on unlicensed or unknown entities, but also the functionality for optional escalation workflows.\n\nThe system also offers functionality to communicate with companies and other agencies using a secure information exchange – no need for mail or secure email platforms! All agency complaints users have access to high-level nationwide complaint data and information can be accessed and utilized by agency exam schedulers and examiners.\n\n## Agency Benefits for Using SES Consumer Complaints \n\n-   Build connections between complaints and other supervisory activities.\n-   Be more informed about complaint activity in other states\n-   Use complaint data to help create and refine the scope of your exam investigation\n-   Gain quick access to reporting and identify trends\n\n## Industry Benefits for Using SES Consumer Complaints \n\n-   Easily understand and track the status of a complaint\n-   Securely respond and upload appropriate documentation\n-   Manage all supervisory activities \\(exams, investigations, and complaints\\) in one system\n-   Have a voice in the continuous improvement of the system\n\n## Consumer Benefits of SES Consumer Complaints \n\n-   There is no consumer-facing functionality currently. This may be developed in the future.\n-   If agencies and industry benefit from the efficiencies of the system, it could result in quicker resolution of complaints for consumers.\n\nIf your agency is interested in using SES Consumer Complaints, please submit the State Examination System \\(SES\\) - Agency Interest Form. PDF Version: Agency Interest Form \\(PDF format\\).\n\n**Parent topic:**Agency Onboarding",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\onboarding\\topics\\c_agency_GS_consumerComplaints.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\onboarding\\topics\\c_agency_GS_consumerComplaints.md",
      "headings": [
        "SES Consumer Complaints {#c_agency_GS_consumerComplaints .concept}",
        "Agency Benefits for Using SES Consumer Complaints {#section_ejw_sfs_btb .section}",
        "Industry Benefits for Using SES Consumer Complaints {#section_czj_5fs_btb .section}",
        "Consumer Benefits of SES Consumer Complaints {#section_ejf_vfs_btb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/onboarding/topics/c_agency_GS_consumerComplaints.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/onboarding/topics/c_agency_GS_jumpStart.md:chunk-0",
      "title": "SES Jumpstart Options {#c_agency_GS_jumpStart .concept}",
      "content": "# SES Jumpstart Options \n\nThe items below list optional actions and instructions state agencies can perform now prior to the start of formal SES On-boarding. Working on these options ahead of time will enhance your implementation process and make certain agency-specific features in the system readily available to you during the on-boarding process.\n\nPlease note that completing any of the options below does not guarantee that the agency will get early access to the system or that the agency will start the formal implementation earlier than planned. If your agency has not previously completed the Agency Interest Form \\(PDF format\\), please complete it prior to the start of any Jum​pstart options.\n\n1.  SES Implementation Jumpstart Optional Action 1  \nSubmit a file of your agency’s next examination due dates to make scheduling your exams in SES much easier.\n2.  SES Implementation Jumpstart Optional Action 2  \nBegin using new analysis tools for Mortgage and MSB supervision through NMLS Analytics\n3.  SES Implementation Jumpstart Optional Action 3  \nCompare your agency’s information requests to the standard information requests in the SES library, MSB and Mortgage only.\n4.  SES Implementation Jumpstart Optional Action 4  \nDevelop your industry and company communication plan.\n5.  SES Implementation Jumpstart Optional Action 5  \nWhitelist SES emails and URLs.\n\n**Parent topic:**Agency Onboarding",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\onboarding\\topics\\c_agency_GS_jumpStart.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\onboarding\\topics\\c_agency_GS_jumpStart.md",
      "headings": [
        "SES Jumpstart Options {#c_agency_GS_jumpStart .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/onboarding/topics/c_agency_GS_jumpStart.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/onboarding/topics/c_agency_GS_jumpStart_option5.md:chunk-0",
      "title": "SES Implementation Jumpstart Optional Action 5 {#c_agency_GS_jumpStart_option5 .concept}",
      "content": "# SES Implementation Jumpstart Optional Action 5 \n\nWhitelist SES emails and URLs.\n\nLast updated: 2020-04-30[^1]\n\nYour agency SES users will receive system notifications through email, including login information and task alerts. SES users will also access the system through the SES URL and its accompanying sites, including Appian™, Okta® and its Customer Relationship Management \\(CRM\\) system. Therefore, it is important for users to mark certain email addresses and URLs as safe. This action can be taken now by following these instructions.\n\n1.  Work with your agency’s security team to ensure that the following URLs and email addresses are marked as safe to ensure that you receive the appropriate emails and notifications from SES.\n\n## SES System Technology Requirements \n\nVisit State Examination System Technology Requirements for more details regarding the technical requirements for SES.\n\n## SES Task and Notification Emails \n\nThe following email addresses will be used to send notifications to State Examination System users. Please be sure State Examination System users are able to receive emails from these addresses.\n\n-   SES general notifications:noreply@nmls.org\n-   SES task notifications: admin@nmls.stateexaminationsystem.org\n-   SES authentication notifications: noreply@okta.com\n-   State agency single sign-on notifications: noreply@sso.csbs.org\n\n## SES URLs \n\nThe following websites may need to be accessed by users while using State Examination System and certain supporting systems for SES. Please be sure State Examination System users are able to freely access the following URLs.\n\n-   SES main site: https://ses.nmls.org\n-   Customer Relationship Management \\(CRM\\) system: nmlsportal-uat.csbs.org/csm\n-   Document management solution:\n    -   https://alfresco-ses-downloadservice-prod.srrcsbs.org/downloadservice/download\n    -   https://alfresco-ses-tronwebserver-prod.srrcsbs.org/preview/\n    -   https://alfresco-ses-prod.srrcsbs.org\n    -   https://alfresco-share-s",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\onboarding\\topics\\c_agency_GS_jumpStart_option5.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\onboarding\\topics\\c_agency_GS_jumpStart_option5.md",
      "headings": [
        "SES Implementation Jumpstart Optional Action 5 {#c_agency_GS_jumpStart_option5 .concept}",
        "SES System Technology Requirements {#section_aq1_hc1_ftb .section}",
        "SES Task and Notification Emails {#section_jkm_hc1_ftb .section}",
        "SES URLs {#section_cxv_3c1_ftb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/onboarding/topics/c_agency_GS_jumpStart_option5.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/onboarding/topics/c_agency_GS_jumpStart_option5.md:chunk-1",
      "title": "SES Implementation Jumpstart Optional Action 5 {#c_agency_GS_jumpStart_option5 .concept}",
      "content": "oadservice-prod.srrcsbs.org/downloadservice/download\n    -   https://alfresco-ses-tronwebserver-prod.srrcsbs.org/preview/\n    -   https://alfresco-ses-prod.srrcsbs.org\n    -   https://alfresco-share-ses-prod.srrcsbs.org\n    -   https://alfresco-tokenservice-ses-prod.srrcsbs.org\n-   Okta home page \\(single sign-on solution\\): sso.nmls.org\n-   Multi-factor authentication: https://idprotect.vip.symantec.com/mainmenu.v\n-   FLEX \\(learning management system\\): https://www.csbstraining.org/\n\nWe look forward to working with you during this jumpstart phase and during the formal implementation process of SES. Please do not hesitate to contact me at lschmidt@csbs.org with any questions about the optional actions listed above.\n\n**Parent topic:**SES Jumpstart Options\n\n**Previous topic:**SES Implementation Jumpstart Optional Action 4\n\n**Next topic:**SES Consumer Complaints\n\n[^1]: This document lists optional actions and instructions state agencies can perform now prior to the SES formal implementation process, comprised by onboarding and training. Working on these options ahead of time will enhance your implementation process and make certain agency-specific features in the system readily available to you during the onboarding process. Please note that completing any of the options below does not guarantee that the agency will get early access to the system or that the agency will start the formal implementation system earlier than planned.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\onboarding\\topics\\c_agency_GS_jumpStart_option5.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\onboarding\\topics\\c_agency_GS_jumpStart_option5.md",
      "headings": [
        "SES Implementation Jumpstart Optional Action 5 {#c_agency_GS_jumpStart_option5 .concept}",
        "SES System Technology Requirements {#section_aq1_hc1_ftb .section}",
        "SES Task and Notification Emails {#section_jkm_hc1_ftb .section}",
        "SES URLs {#section_cxv_3c1_ftb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/onboarding/topics/c_agency_GS_jumpStart_option5.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/onboarding/topics/c_agency_onboardCompany.md:chunk-0",
      "title": "Company Onboarding {#xd_80647b36c08634d1--224c7740-180a488b21a--7feb .concept}",
      "content": "# Company Onboarding \n\nSetting up a company to use the State Examination System.\n\n-   **Agency Guidelines to Enroll New Companies in SES**  \nState agency users are responsible for notifying licensed companies about their plans to conduct examinations and other supervisory activities in SES. The information on this page assists state agencies with the initial communications to industry about SES.\n-   **Enrolling a Company User for Exams or Complaints**  \nTo enroll a company onto SES, a new user account must be created for the person at the company who receives examination or complaints correspondence from an agency.\n-   **SES Account Creation for Entities Not Managed in NMLS**  \nHow to guide a company whose license is not managed in NMLS or who has been identified as a non-NMLS entity within SES Consumer Complaints, through the SES enrollment process.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\onboarding\\topics\\c_agency_onboardCompany.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\onboarding\\topics\\c_agency_onboardCompany.md",
      "headings": [
        "Company Onboarding {#xd_80647b36c08634d1--224c7740-180a488b21a--7feb .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/onboarding/topics/c_agency_onboardCompany.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/onboarding/topics/c_agency_onboardingAgency.md:chunk-0",
      "title": "Agency Onboarding {#xd_80647b36c08634d1--224c7740-180a488b21a--7fea .concept}",
      "content": "# Agency Onboarding \n\nEnrolling a state agency to use the State Examination System.\n\n-   **SES Jumpstart Options**  \nThe items below list optional actions and instructions state agencies can perform now prior to the start of formal SES On-boarding. Working on these options ahead of time will enhance your implementation process and make certain agency-specific features in the system readily available to you during the on-boarding process.\n-   **SES Consumer Complaints**  \nSES Consumer Complaints offers not only the ability to enter and process complaints and the ability to collaborate with other agencies on unlicensed or unknown entities, but also the functionality for optional escalation workflows.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\onboarding\\topics\\c_agency_onboardingAgency.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\onboarding\\topics\\c_agency_onboardingAgency.md",
      "headings": [
        "Agency Onboarding {#xd_80647b36c08634d1--224c7740-180a488b21a--7fea .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/onboarding/topics/c_agency_onboardingAgency.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/onboarding/topics/c_agency_onboardingCompany_Resources-1.md:chunk-0",
      "title": "Agency Guidelines to Enroll New Companies in SES {#xd_80647b36c08634d1--224c7740-180a488b21a--7fe9 .concept}",
      "content": "# Agency Guidelines to Enroll New Companies in SES \n\nState agency users are responsible for notifying licensed companies about their plans to conduct examinations and other supervisory activities in SES. The information on this page assists state agencies with the initial communications to industry about SES.\n\n**Important:** State agencies are strongly encouraged to communicate with new companies about SES in advance of an upcoming examination, before sharing a consumer complaint with the company in the system, and to take full advantage of the resources on this page.\n\n## General Best Practices and Enrollment Checklist \n\n-   **General Best practice 1.** Determine which industry segment\\(s\\) you plan to examine in SES and send an industry-wide communication informing your licensed companies of these plans. CSBS has a template you may use for this communication \\(refer to the menu below\\). Note that this template may also be used to communicate about your agency’s plans to route consumer complaints to the company using SES \\(if applicable\\).\n-   **General Best practice 2.** Once you have sent the industry-wide communication about SES, continue to notify each company about an upcoming exam in SES, or about a consumer complaint, in your usual manner. While SES will send a notification about the system and sign-on instructions when the company enrollment is initiated, the recipient may miss this notification or not know what it means.\n\n    It is critical that the SES email is received and acted on, so we recommend notifying all companies in advance of an examination or in advance of a complaint in the system.\n\n    **Note:** This does not mean sending the company the agency’s standard examination letter with the information requests.\n\n    This step will be handled in SES through the Information Request function. The general best practice above refers only to any advance notice, phone call, or email you would typically send to a company contact in advance of an examination",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\onboarding\\topics\\c_agency_onboardingCompany_Resources-1.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\onboarding\\topics\\c_agency_onboardingCompany_Resources-1.md",
      "headings": [
        "Agency Guidelines to Enroll New Companies in SES {#xd_80647b36c08634d1--224c7740-180a488b21a--7fe9 .concept}",
        "General Best Practices and Enrollment Checklist {#section_tbg_nkx_mtb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/onboarding/topics/c_agency_onboardingCompany_Resources-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/onboarding/topics/c_agency_onboardingCompany_Resources-1.md:chunk-1",
      "title": "Agency Guidelines to Enroll New Companies in SES {#xd_80647b36c08634d1--224c7740-180a488b21a--7fe9 .concept}",
      "content": "ugh the Information Request function. The general best practice above refers only to any advance notice, phone call, or email you would typically send to a company contact in advance of an examination or before sharing a consumer complaint with the company in SES.\n\n\n\n□\n\n\n\n**Step 1.**\n\n\n\nIdentify in SES the industry types that will be subject to examination \\(or other supervisory activity\\) in SES \\(e.g., mortgage, MSB, consumer finance, debt\\). This can be done by either using the “Initiate a Supervisory Activity” function in SES or by using the “Exam Scheduling” feature in SES.\n\n Use the industry-wide notification template to inform the companies within the industry about SES. This template can be tailored for examinations, investigations, and/or consumer complaints.\n\n\n\n□\n\n\n\n**Step 2.**\n\n\n\nCommunicate with the specific company that will be subject to an examination by your agency in SES **_prior_**to enrolling the company in SES \\(i.e., before clicking on the “Company User Enrollment” button in SES\\). We recommend that you also provide enough advance notice to the company subject of a consumer complaint in the system about SES.\n\n\n\n□\n\n\n\n**Step 3.**\n\n\n\nWhen communicating with the company about the upcoming examination or complaint in SES, share with the company the resources outlined in Step 4 A and B below. These resources will help the company to learn more about SES and be prepared to receive the initial system notification that is automatically generated with the enrollment function in the system.\n\n\n\n□\n\n\n\nStep 3 A.\n\n\n\n-   Company Specific Notification Template \\(refer to the menu below\\). This template can be tailored by your agency and holds important information for the company about SES; training resources; list of URLs that must be whitelisted.\n\n\n\n□\n\n\n\nStep 3 B.\n\n\n\n-   SES Company Enrollment Policy \\(refer to the menu below\\). Outlines how to go about the enrollment process in the system.\n\n\n\n□\n\n\n\n**Step 4.**\n\n\n\nClick on the “Company User Enrollment” button in",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\onboarding\\topics\\c_agency_onboardingCompany_Resources-1.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\onboarding\\topics\\c_agency_onboardingCompany_Resources-1.md",
      "headings": [
        "Agency Guidelines to Enroll New Companies in SES {#xd_80647b36c08634d1--224c7740-180a488b21a--7fe9 .concept}",
        "General Best Practices and Enrollment Checklist {#section_tbg_nkx_mtb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/onboarding/topics/c_agency_onboardingCompany_Resources-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/onboarding/topics/c_agency_onboardingCompany_Resources-1.md:chunk-2",
      "title": "Agency Guidelines to Enroll New Companies in SES {#xd_80647b36c08634d1--224c7740-180a488b21a--7fe9 .concept}",
      "content": "\n\n\n-   SES Company Enrollment Policy \\(refer to the menu below\\). Outlines how to go about the enrollment process in the system.\n\n\n\n□\n\n\n\n**Step 4.**\n\n\n\nClick on the “Company User Enrollment” button in SES to invite the company to join SES. This will generate an email that will be automatically sent to the company with information on how to access the system and create SES user accounts.\n\n\n## Resources List \n\n-   Industry Wide Notification Template \\(Word format\\)\n-   Company-Specific Notification Template: Exams \\(Word format\\)\n-   Company-Specific Notification Template: Complaints \\(Word format\\)\n-   SES Company Enrollment Policy \\(PDF format\\)\n\n**Parent topic:**Company Onboarding",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\onboarding\\topics\\c_agency_onboardingCompany_Resources-1.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\onboarding\\topics\\c_agency_onboardingCompany_Resources-1.md",
      "headings": [
        "Agency Guidelines to Enroll New Companies in SES {#xd_80647b36c08634d1--224c7740-180a488b21a--7fe9 .concept}",
        "General Best Practices and Enrollment Checklist {#section_tbg_nkx_mtb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/onboarding/topics/c_agency_onboardingCompany_Resources-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/onboarding/topics/c_agency_onboardingCompany_Resources.md:chunk-0",
      "title": "Agency Guidelines to Enroll New Companies in SES {#xd_80647b36c08634d1--224c7740-180a488b21a--7fe9 .concept}",
      "content": "# Agency Guidelines to Enroll New Companies in SES \n\nState agency users are responsible for notifying licensed companies about their plans to conduct examinations and other supervisory activities in SES. The information on this page assists state agencies with the initial communications to industry about SES.\n\n**Important:** State agencies are strongly encouraged to communicate with new companies about SES in advance of an upcoming examination, before sharing a consumer complaint with the company in the system, and to take full advantage of the resources on this page.\n\n## General Best Practices and Enrollment Checklist \n\n-   **General Best practice 1.** Determine which industry segment\\(s\\) you plan to examine in SES and send an industry-wide communication informing your licensed companies of these plans. CSBS has a template you may use for this communication \\(refer to the menu below\\). Note that this template may also be used to communicate about your agency’s plans to route consumer complaints to the company using SES \\(if applicable\\).\n-   **General Best practice 2.** Once you have sent the industry-wide communication about SES, continue to notify each company about an upcoming exam in SES, or about a consumer complaint, in your usual manner. While SES will send a notification about the system and sign-on instructions when the company enrollment is initiated, the recipient may miss this notification or not know what it means.\n\n    It is critical that the SES email is received and acted on, so we recommend notifying all companies in advance of an examination or in advance of a complaint in the system.\n\n    **Note:** This does not mean sending the company the agency’s standard examination letter with the information requests.\n\n    This step will be handled in SES through the Information Request function. The general best practice above refers only to any advance notice, phone call, or email you would typically send to a company contact in advance of an examination",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\onboarding\\topics\\c_agency_onboardingCompany_Resources.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\onboarding\\topics\\c_agency_onboardingCompany_Resources.md",
      "headings": [
        "Agency Guidelines to Enroll New Companies in SES {#xd_80647b36c08634d1--224c7740-180a488b21a--7fe9 .concept}",
        "General Best Practices and Enrollment Checklist {#section_tbg_nkx_mtb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/onboarding/topics/c_agency_onboardingCompany_Resources.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/onboarding/topics/c_agency_onboardingCompany_Resources.md:chunk-1",
      "title": "Agency Guidelines to Enroll New Companies in SES {#xd_80647b36c08634d1--224c7740-180a488b21a--7fe9 .concept}",
      "content": "ugh the Information Request function. The general best practice above refers only to any advance notice, phone call, or email you would typically send to a company contact in advance of an examination or before sharing a consumer complaint with the company in SES.\n\n\n\n□\n\n\n\n**Step 1.**\n\n\n\nIdentify in SES the industry types that will be subject to examination \\(or other supervisory activity\\) in SES \\(e.g., mortgage, MSB, consumer finance, debt\\). This can be done by either using the “Initiate a Supervisory Activity” function in SES or by using the “Exam Scheduling” feature in SES.\n\n Use the industry-wide notification template to inform the companies within the industry about SES. This template can be tailored for examinations, investigations, and/or consumer complaints.\n\n\n\n□\n\n\n\n**Step 2.**\n\n\n\nCommunicate with the specific company that will be subject to an examination by your agency in SES **_prior_**to enrolling the company in SES \\(i.e., before clicking on the “Company User Enrollment” button in SES\\). We recommend that you also provide enough advance notice to the company subject of a consumer complaint in the system about SES.\n\n\n\n□\n\n\n\n**Step 3.**\n\n\n\nWhen communicating with the company about the upcoming examination or complaint in SES, share with the company the resources outlined in Step 4 A and B below. These resources will help the company to learn more about SES and be prepared to receive the initial system notification that is automatically generated with the enrollment function in the system.\n\n\n\n□\n\n\n\nStep 3 A.\n\n\n\n-   Company Specific Notification Template \\(refer to the menu below\\). This template can be tailored by your agency and holds important information for the company about SES; training resources; list of URLs that must be whitelisted.\n\n\n\n□\n\n\n\nStep 3 B.\n\n\n\n-   SES Company Enrollment Policy \\(refer to the menu below\\). Outlines how to go about the enrollment process in the system.\n\n\n\n□\n\n\n\n**Step 4.**\n\n\n\nClick on the “Company User Enrollment” button in",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\onboarding\\topics\\c_agency_onboardingCompany_Resources.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\onboarding\\topics\\c_agency_onboardingCompany_Resources.md",
      "headings": [
        "Agency Guidelines to Enroll New Companies in SES {#xd_80647b36c08634d1--224c7740-180a488b21a--7fe9 .concept}",
        "General Best Practices and Enrollment Checklist {#section_tbg_nkx_mtb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/onboarding/topics/c_agency_onboardingCompany_Resources.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/onboarding/topics/c_agency_onboardingCompany_Resources.md:chunk-2",
      "title": "Agency Guidelines to Enroll New Companies in SES {#xd_80647b36c08634d1--224c7740-180a488b21a--7fe9 .concept}",
      "content": "\n\n\n-   SES Company Enrollment Policy \\(refer to the menu below\\). Outlines how to go about the enrollment process in the system.\n\n\n\n□\n\n\n\n**Step 4.**\n\n\n\nClick on the “Company User Enrollment” button in SES to invite the company to join SES. This will generate an email that will be automatically sent to the company with information on how to access the system and create SES user accounts.\n\n\n## Resources List \n\n-   Industry Wide Notification Template \\(Word format\\)\n-   Company-Specific Notification Template: Exams \\(Word format\\)\n-   Company-Specific Notification Template: Complaints \\(Word format\\)\n-   SES Company Enrollment Policy \\(PDF format\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\onboarding\\topics\\c_agency_onboardingCompany_Resources.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\onboarding\\topics\\c_agency_onboardingCompany_Resources.md",
      "headings": [
        "Agency Guidelines to Enroll New Companies in SES {#xd_80647b36c08634d1--224c7740-180a488b21a--7fe9 .concept}",
        "General Best Practices and Enrollment Checklist {#section_tbg_nkx_mtb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/onboarding/topics/c_agency_onboardingCompany_Resources.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/onboarding/topics/r_agency_SES_InterestForm-1.md:chunk-0",
      "title": "State Examination System \\(SES\\) - Agency Interest Form {#r_agency_SES_InterestForm .reference}",
      "content": "# State Examination System \\(SES\\) - Agency Interest Form \n\nThe following information and attached form are intended for State Regulatory Agencies Only to review and complete as part of their initial commitment to adopting the State Examination System.\n\n## Summary \n\nFinancial institutions will be invited to participate in SES by a state regulator that is using SES, likely before the next scheduled examination. Until a financial institution receives these notifications, no action needs to be taken.\n\nBelow are instructions and field requirements for each section of the attached form. It is best to collect the information below, and when you have all required information, open and complete the attached Agency Interest Form \\(PDF format\\).\n\n## Part 1: Contact Information \n\nPlease provide the following information for the individual at the Agency responsible for the adoption and implementation of SES \\(*this is the person SRR State Relations will contact to initiate next steps*\\)\n\n-   First Name\n-   Last Name\n-   Email Address\n-   Telephone Number\n-   Title\n-   State Agency Name\n-   Role in the Supervision Process \\(if any\\)\n\n## Part 2: Supervisory Activity[^1] \n\nThinking in terms of the supervisory activity the agency plans to conduct using SES, please answer the following questions.\n\n-   Target Start Date for Supervisory Activity in SES\n-   Industry to be examined\n-   Is this a multi-state exam\n-   If yes, please list the other agencies participating\n-   If no, are there plans for agency to schedule multi-state exams?\n\n## Part 3: Complaints Information \n\nIf an agency is interested in using the Complaint functionality in SES \\(either in conjunction with or separate from the Supervisory Activity functions\\), they must complete the Complaints Information section.\n\n-   Target Start Date for Complaints Activity in SES\n-   Contact Name responsible for Agency implementation if different than that listed in Section 1\n-   Contact Phone\n-   Contact Email\n-   Industry the agency ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\onboarding\\topics\\r_agency_SES_InterestForm-1.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\onboarding\\topics\\r_agency_SES_InterestForm-1.md",
      "headings": [
        "State Examination System \\(SES\\) - Agency Interest Form {#r_agency_SES_InterestForm .reference}",
        "Summary {#section_pxd_rzq_btb .section}",
        "Part 1: Contact Information {#section_vsq_c1r_btb .section}",
        "Part 2: Supervisory Activity[^1] {#section_szy_yzq_btb .section}",
        "Part 3: Complaints Information {#section_dkn_zzq_btb .section}",
        "Part 4: Agency/Staff Training {#section_vqd_11r_btb .section}",
        "Form Submission {#section_qsf_b3r_btb .section}",
        "Questions and Follow Up {#section_bzn_j3r_btb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/onboarding/topics/r_agency_SES_InterestForm-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/onboarding/topics/r_agency_SES_InterestForm-1.md:chunk-1",
      "title": "State Examination System \\(SES\\) - Agency Interest Form {#r_agency_SES_InterestForm .reference}",
      "content": "Start Date for Complaints Activity in SES\n-   Contact Name responsible for Agency implementation if different than that listed in Section 1\n-   Contact Phone\n-   Contact Email\n-   Industry the agency plans to issue a Complaint to using SES\n\n## Part 4: Agency/Staff Training \n\nUsing the attached SES Agency User Roles \\(PDF format\\), and again thinking in terms of the Supervisory Activity the agency plans to conduct in SES, please complete the following:\n\n-   Estimated Staff Training Size for Account Admin \\(minimum of 2/maximum of 5\\)\n-   Estimated Staff Training Size for Staff Director or User\n-   Estimate Staff Training Size for Examiner/Examiner in Charge/Examiner Reviewer\n\n## Form Submission \n\n1.  When ready, click on the attached Agency Interest Form \\(PDF format\\) form \\(fillable PDF\\)\n2.  Download the form and complete all fields\n3.  Once all information is entered, click the **File** dropdown at the top of the page, then the **Save As** option.\n4.  Save the form with the name of your agency included in the file name\n5.  Submit the form to the Regulatory User Group by attaching the form to an email and send to the Regulatory User Group. Visit our Secure Portal \\(requires agency login\\) for email and phone number.\n6.  You will receive an email confirmation of your form submission within 1-2 business days\n\n## Questions and Follow Up \n\n-   If you have any questions on filling out the form, or after you have submitted it, please reach out to the Regulatory User Group using the email or phone number at our Secure Portal \\(requires agency login\\).\n-   Once your response is submitted, the SRR State Relations Team will schedule a follow up call to review the on boarding project and discuss/assign tasks agencies can perform prior to on-boarding.\n\n[^1]: If your agency is interested in only using the Complaints function of SES, please skip to Part 3. If your agency is interested in using SES for both Supervisory Activity and Complaints, please complete Part 2 and Part 3.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\onboarding\\topics\\r_agency_SES_InterestForm-1.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\onboarding\\topics\\r_agency_SES_InterestForm-1.md",
      "headings": [
        "State Examination System \\(SES\\) - Agency Interest Form {#r_agency_SES_InterestForm .reference}",
        "Summary {#section_pxd_rzq_btb .section}",
        "Part 1: Contact Information {#section_vsq_c1r_btb .section}",
        "Part 2: Supervisory Activity[^1] {#section_szy_yzq_btb .section}",
        "Part 3: Complaints Information {#section_dkn_zzq_btb .section}",
        "Part 4: Agency/Staff Training {#section_vqd_11r_btb .section}",
        "Form Submission {#section_qsf_b3r_btb .section}",
        "Questions and Follow Up {#section_bzn_j3r_btb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/onboarding/topics/r_agency_SES_InterestForm-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/onboarding/topics/r_agency_SES_InterestForm-1.md:chunk-2",
      "title": "State Examination System \\(SES\\) - Agency Interest Form {#r_agency_SES_InterestForm .reference}",
      "content": "erested in only using the Complaints function of SES, please skip to Part 3. If your agency is interested in using SES for both Supervisory Activity and Complaints, please complete Part 2 and Part 3.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\onboarding\\topics\\r_agency_SES_InterestForm-1.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\onboarding\\topics\\r_agency_SES_InterestForm-1.md",
      "headings": [
        "State Examination System \\(SES\\) - Agency Interest Form {#r_agency_SES_InterestForm .reference}",
        "Summary {#section_pxd_rzq_btb .section}",
        "Part 1: Contact Information {#section_vsq_c1r_btb .section}",
        "Part 2: Supervisory Activity[^1] {#section_szy_yzq_btb .section}",
        "Part 3: Complaints Information {#section_dkn_zzq_btb .section}",
        "Part 4: Agency/Staff Training {#section_vqd_11r_btb .section}",
        "Form Submission {#section_qsf_b3r_btb .section}",
        "Questions and Follow Up {#section_bzn_j3r_btb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/onboarding/topics/r_agency_SES_InterestForm-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/onboarding/topics/r_agency_SES_InterestForm.md:chunk-0",
      "title": "State Examination System \\(SES\\) - Agency Interest Form {#r_agency_SES_InterestForm .reference}",
      "content": "# State Examination System \\(SES\\) - Agency Interest Form \n\nThe following information and attached form are intended for State Regulatory Agencies Only to review and complete as part of their initial commitment to adopting the State Examination System.\n\n## Summary \n\nFinancial institutions will be invited to participate in SES by a state regulator that is using SES, likely before the next scheduled examination. Until a financial institution receives these notifications, no action needs to be taken.\n\nBelow are instructions and field requirements for each section of the attached form. It is best to collect the information below, and when you have all required information, open and complete the attached Agency Interest Form \\(PDF format\\).\n\n## Part 1: Contact Information \n\nPlease provide the following information for the individual at the Agency responsible for the adoption and implementation of SES \\(*this is the person SRR State Relations will contact to initiate next steps*\\)\n\n-   First Name\n-   Last Name\n-   Email Address\n-   Telephone Number\n-   Title\n-   State Agency Name\n-   Role in the Supervision Process \\(if any\\)\n\n## Part 2: Supervisory Activity[^1] \n\nThinking in terms of the supervisory activity the agency plans to conduct using SES, please answer the following questions.\n\n-   Target Start Date for Supervisory Activity in SES\n-   Industry to be examined\n-   Is this a multi-state exam\n-   If yes, please list the other agencies participating\n-   If no, are there plans for agency to schedule multi-state exams?\n\n## Part 3: Complaints Information \n\nIf an agency is interested in using the Complaint functionality in SES \\(either in conjunction with or separate from the Supervisory Activity functions\\), they must complete the Complaints Information section.\n\n-   Target Start Date for Complaints Activity in SES\n-   Contact Name responsible for Agency implementation if different than that listed in Section 1\n-   Contact Phone\n-   Contact Email\n-   Industry the agency ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\onboarding\\topics\\r_agency_SES_InterestForm.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\onboarding\\topics\\r_agency_SES_InterestForm.md",
      "headings": [
        "State Examination System \\(SES\\) - Agency Interest Form {#r_agency_SES_InterestForm .reference}",
        "Summary {#section_pxd_rzq_btb .section}",
        "Part 1: Contact Information {#section_vsq_c1r_btb .section}",
        "Part 2: Supervisory Activity[^1] {#section_szy_yzq_btb .section}",
        "Part 3: Complaints Information {#section_dkn_zzq_btb .section}",
        "Part 4: Agency/Staff Training {#section_vqd_11r_btb .section}",
        "Form Submission {#section_qsf_b3r_btb .section}",
        "Questions and Follow Up {#section_bzn_j3r_btb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/onboarding/topics/r_agency_SES_InterestForm.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/onboarding/topics/r_agency_SES_InterestForm.md:chunk-1",
      "title": "State Examination System \\(SES\\) - Agency Interest Form {#r_agency_SES_InterestForm .reference}",
      "content": "Start Date for Complaints Activity in SES\n-   Contact Name responsible for Agency implementation if different than that listed in Section 1\n-   Contact Phone\n-   Contact Email\n-   Industry the agency plans to issue a Complaint to using SES\n\n## Part 4: Agency/Staff Training \n\nUsing the attached SES Agency User Roles \\(PDF format\\), and again thinking in terms of the Supervisory Activity the agency plans to conduct in SES, please complete the following:\n\n-   Estimated Staff Training Size for Account Admin \\(minimum of 2/maximum of 5\\)\n-   Estimated Staff Training Size for Staff Director or User\n-   Estimate Staff Training Size for Examiner/Examiner in Charge/Examiner Reviewer\n\n## Form Submission \n\n1.  When ready, click on the attached Agency Interest Form \\(PDF format\\) form \\(fillable PDF\\)\n2.  Download the form and complete all fields\n3.  Once all information is entered, click the **File** dropdown at the top of the page, then the **Save As** option.\n4.  Save the form with the name of your agency included in the file name\n5.  Submit the form to the Regulatory User Group by attaching the form to an email and send to the Regulatory User Group. Visit our Secure Portal \\(requires agency login\\) for email and phone number.\n6.  You will receive an email confirmation of your form submission within 1-2 business days\n\n## Questions and Follow Up \n\n-   If you have any questions on filling out the form, or after you have submitted it, please reach out to the Regulatory User Group using the email or phone number at our Secure Portal \\(requires agency login\\).\n-   Once your response is submitted, the SRR State Relations Team will schedule a follow up call to review the on boarding project and discuss/assign tasks agencies can perform prior to on-boarding.\n\n[^1]: If your agency is interested in only using the Complaints function of SES, please skip to Part 3. If your agency is interested in using SES for both Supervisory Activity and Complaints, please complete Part 2 and Part 3.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\onboarding\\topics\\r_agency_SES_InterestForm.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\onboarding\\topics\\r_agency_SES_InterestForm.md",
      "headings": [
        "State Examination System \\(SES\\) - Agency Interest Form {#r_agency_SES_InterestForm .reference}",
        "Summary {#section_pxd_rzq_btb .section}",
        "Part 1: Contact Information {#section_vsq_c1r_btb .section}",
        "Part 2: Supervisory Activity[^1] {#section_szy_yzq_btb .section}",
        "Part 3: Complaints Information {#section_dkn_zzq_btb .section}",
        "Part 4: Agency/Staff Training {#section_vqd_11r_btb .section}",
        "Form Submission {#section_qsf_b3r_btb .section}",
        "Questions and Follow Up {#section_bzn_j3r_btb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/onboarding/topics/r_agency_SES_InterestForm.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/onboarding/topics/r_agency_SES_InterestForm.md:chunk-2",
      "title": "State Examination System \\(SES\\) - Agency Interest Form {#r_agency_SES_InterestForm .reference}",
      "content": "erested in only using the Complaints function of SES, please skip to Part 3. If your agency is interested in using SES for both Supervisory Activity and Complaints, please complete Part 2 and Part 3.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\onboarding\\topics\\r_agency_SES_InterestForm.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\onboarding\\topics\\r_agency_SES_InterestForm.md",
      "headings": [
        "State Examination System \\(SES\\) - Agency Interest Form {#r_agency_SES_InterestForm .reference}",
        "Summary {#section_pxd_rzq_btb .section}",
        "Part 1: Contact Information {#section_vsq_c1r_btb .section}",
        "Part 2: Supervisory Activity[^1] {#section_szy_yzq_btb .section}",
        "Part 3: Complaints Information {#section_dkn_zzq_btb .section}",
        "Part 4: Agency/Staff Training {#section_vqd_11r_btb .section}",
        "Form Submission {#section_qsf_b3r_btb .section}",
        "Questions and Follow Up {#section_bzn_j3r_btb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/onboarding/topics/r_agency_SES_InterestForm.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/onboarding/topics/t_agency_GS_jumpStart_option1.md:chunk-0",
      "title": "SES Implementation Jumpstart Optional Action 1 {#t_agency_GS_jumpStart_option1 .task}",
      "content": "# SES Implementation Jumpstart Optional Action 1 \n\nSubmit a file of your agency’s next examination due dates to make scheduling your exams in SES much easier.\n\nLast updated: 2020-04-30[^1]\n\nBy taking this action, you will provide a file of agency’s examination due dates \\(the next date by which each company is due to be examined according to your state agency\\) to the CSBS Business Services team.\n\nA business services team member will then validate the file and upload the data into SES. This way, when your agency users begin to schedule exams in SES, they will benefit from having the next due date data point available. While this data is not required to schedule exams in SES, knowing when a company is next due to be examined is likely very helpful. If your agency would like to take this step, follow the instructions below. Instructions: There is a feature in SES to allow agencies to make these requests in the system, but since your agency does not have access to SES yet, the CSBS staff will upload the data to the system for you.\n\n1.  Prepare your data file using the Upload Exam Due Date template.\n\n    -   The first column should be the NMLS ID \\(numbers only\\) of each company for which you would like to provide a date.\n    -   The second column should be the date the company is next due to be examined by your agency. Please provide the date in YYYY-MM-DD format.\n    -   The third column, the agency, will be completed by CSBS staff.\n2.  The file should only include the first set of companies that you plan on examining in SES after the formal implementation process is completed.\n\n3.  Save the file.\n\n4.  Email the file to Alejandra Krasnow \\(CSBS Business Services \\(akrasnow@csbs.org\\)\\).\n\nCSBS staff will upload your file and confirm with you that the upload was successful. Once you complete the formal implementation process and have access to SES, you will be able to see these dates when scheduling exams.\n\n**Parent topic:**SES Jumpstart Options\n\n**Previous topic:**SES ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\onboarding\\topics\\t_agency_GS_jumpStart_option1.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\onboarding\\topics\\t_agency_GS_jumpStart_option1.md",
      "headings": [
        "SES Implementation Jumpstart Optional Action 1 {#t_agency_GS_jumpStart_option1 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/onboarding/topics/t_agency_GS_jumpStart_option1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/onboarding/topics/t_agency_GS_jumpStart_option1.md:chunk-1",
      "title": "SES Implementation Jumpstart Optional Action 1 {#t_agency_GS_jumpStart_option1 .task}",
      "content": " Once you complete the formal implementation process and have access to SES, you will be able to see these dates when scheduling exams.\n\n**Parent topic:**SES Jumpstart Options\n\n**Previous topic:**SES Jumpstart Options\n\n**Next topic:**SES Implementation Jumpstart Optional Action 2\n\n[^1]: This document lists optional actions and instructions state agencies can perform now prior to the SES formal implementation process, comprised by onboarding and training. Working on these options ahead of time will enhance your implementation process and make certain agency-specific features in the system readily available to you during the onboarding process. Please note that completing any of the options below does not guarantee that the agency will get early access to the system or that the agency will start the formal implementation system earlier than planned.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\onboarding\\topics\\t_agency_GS_jumpStart_option1.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\onboarding\\topics\\t_agency_GS_jumpStart_option1.md",
      "headings": [
        "SES Implementation Jumpstart Optional Action 1 {#t_agency_GS_jumpStart_option1 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/onboarding/topics/t_agency_GS_jumpStart_option1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/onboarding/topics/t_agency_GS_jumpStart_option2.md:chunk-0",
      "title": "SES Implementation Jumpstart Optional Action 2 {#t_agency_GS_jumpStart_option2 .task}",
      "content": "# SES Implementation Jumpstart Optional Action 2 \n\nBegin using new analysis tools for Mortgage and MSB supervision through NMLS Analytics\n\nLast updated: 2020-04-30[^1]\n\nThere are two new examination tools to help state agencies with various steps in the SES workflow. These tools are available to use now, and it is a great time to begin integrating them into your supervisory processes.\n\n1.  Mortgage Scheduling Assistant: SRR worked with the Risk Profile Working Group \\(RPG\\)—comprised of state agency mortgage examiners— to develop a risk score based on outliers reported in certain MCR data points. The risk scores allow supervisors and examiners to monitor the health of companies, as well as to identify data quality issues in those companies’ MCR filings.\n2.  MSB Analytics – Risk Profiling Reports: The MSB Call Report Working Group provided oversight for new reports in the MSB Call Report Analytics tool.\n\nThese reports include analysis of risk scores based on outliers, cash burn rate and international transactions. By adopting these tools now, you can position your agency to take advantage of all the features of SES. Some examples include:\n\n-   Exam Scheduling: The outlier reports help prioritize companies with the highest risk score to include on your schedule\n-   Exam Scoping: You can focus the content of an exam based on where the company stands out against its peers, which is made clear on the outlier reports\n-   Offsite monitoring: The new tools provide multiple views into a company’s activity and financial health. This allows you to periodically monitor licensees outside of the exam period, question companies on specific data anomalies, and spend less resources on companies that are low risk.\n\n1.  Contact the NMLS Data Analytics team to do a walk-through of the tools for your state agency.\n\n    Please contact Data Team member Elizabeth Rychlinski \\(CSBS Data Analytics Team \\(erychlinski@csbs.org\\)\\) to schedule this overview or ask any questions.\n\n**Parent topic",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\onboarding\\topics\\t_agency_GS_jumpStart_option2.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\onboarding\\topics\\t_agency_GS_jumpStart_option2.md",
      "headings": [
        "SES Implementation Jumpstart Optional Action 2 {#t_agency_GS_jumpStart_option2 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/onboarding/topics/t_agency_GS_jumpStart_option2.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/onboarding/topics/t_agency_GS_jumpStart_option2.md:chunk-1",
      "title": "SES Implementation Jumpstart Optional Action 2 {#t_agency_GS_jumpStart_option2 .task}",
      "content": "s for your state agency.\n\n    Please contact Data Team member Elizabeth Rychlinski \\(CSBS Data Analytics Team \\(erychlinski@csbs.org\\)\\) to schedule this overview or ask any questions.\n\n**Parent topic:**SES Jumpstart Options\n\n**Previous topic:**SES Implementation Jumpstart Optional Action 1\n\n**Next topic:**SES Implementation Jumpstart Optional Action 3\n\n[^1]: This document lists optional actions and instructions state agencies can perform now prior to the SES formal implementation process, comprised by onboarding and training. Working on these options ahead of time will enhance your implementation process and make certain agency-specific features in the system readily available to you during the onboarding process. Please note that completing any of the options below does not guarantee that the agency will get early access to the system or that the agency will start the formal implementation system earlier than planned.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\onboarding\\topics\\t_agency_GS_jumpStart_option2.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\onboarding\\topics\\t_agency_GS_jumpStart_option2.md",
      "headings": [
        "SES Implementation Jumpstart Optional Action 2 {#t_agency_GS_jumpStart_option2 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/onboarding/topics/t_agency_GS_jumpStart_option2.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/onboarding/topics/t_agency_GS_jumpStart_option3.md:chunk-0",
      "title": "SES Implementation Jumpstart Optional Action 3 {#t_agency_GS_jumpStart_option3 .task}",
      "content": "# SES Implementation Jumpstart Optional Action 3 \n\nCompare your agency’s information requests to the standard information requests in the SES library, MSB and Mortgage only.\n\nLast updated: 2020-04-30[^1]\n\nSES offers the opportunity to compare your agency’s state-specific information request list with the SES “standards.” By taking this action now, you will likely be able to move your agency through the formal onboarding process more quickly.\n\nA significant benefit of SES is that it offers agency users a single set of standard information requests and procedures to use in every exam. These standards were developed by working groups of examiners from the various industries \\(MSB, mortgage\\). CSBS strongly encourages the use of standard items wherever possible because using these standards furthers the goals of networked supervision by establishing a uniform regulatory exam program for each industry. The first step is determining which standards are applicable for your agency, and which state-specific items must be added to SES. The goal is to avoid adding a state-specific item when a standard suffices. To help with this comparison, we have developed a tool that will detect possible matches.\n\n1.  Enter your existing information requests in the State to Standard IR Match Report template.\n\n2.  Once entered, send the file to CSBS State Relations team member Courtney Hill \\(cchill@csbs.org\\).\n\n**Parent topic:**SES Jumpstart Options\n\n**Previous topic:**SES Implementation Jumpstart Optional Action 2\n\n**Next topic:**SES Implementation Jumpstart Optional Action 4\n\n[^1]: This document lists optional actions and instructions state agencies can perform now prior to the SES formal implementation process, comprised by onboarding and training. Working on these options ahead of time will enhance your implementation process and make certain agency-specific features in the system readily available to you during the onboarding process. Please note that completing any of the options belo",
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      "relative_path": "maps\\SES\\chapter\\bizContent\\onboarding\\topics\\t_agency_GS_jumpStart_option3.md",
      "headings": [
        "SES Implementation Jumpstart Optional Action 3 {#t_agency_GS_jumpStart_option3 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/onboarding/topics/t_agency_GS_jumpStart_option3.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/onboarding/topics/t_agency_GS_jumpStart_option3.md:chunk-1",
      "title": "SES Implementation Jumpstart Optional Action 3 {#t_agency_GS_jumpStart_option3 .task}",
      "content": " enhance your implementation process and make certain agency-specific features in the system readily available to you during the onboarding process. Please note that completing any of the options below does not guarantee that the agency will get early access to the system or that the agency will start the formal implementation system earlier than planned.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\onboarding\\topics\\t_agency_GS_jumpStart_option3.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\onboarding\\topics\\t_agency_GS_jumpStart_option3.md",
      "headings": [
        "SES Implementation Jumpstart Optional Action 3 {#t_agency_GS_jumpStart_option3 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/onboarding/topics/t_agency_GS_jumpStart_option3.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/onboarding/topics/t_agency_GS_jumpStart_option4.md:chunk-0",
      "title": "SES Implementation Jumpstart Optional Action 4 {#t_agency_GS_jumpStart_option4 .task}",
      "content": "# SES Implementation Jumpstart Optional Action 4 \n\nDevelop your industry and company communication plan.\n\nLast updated: 2020-04-30[^1]\n\nIt will be important for your agency to communicate with the industries and companies you plan to supervise in SES about the change to this new system, well in advance of an examination or other supervisory activity in SES. CSBS has prepared a package of templates and resources to assist you in that communication, which will be provided to you during the formal onboarding process. For now, and until you have a firm sense of when your examinations will begin in SES, we recommend developing a plan for this communication. This way, the plan can be set in motion once exam start dates are known.\n\n1.  Start thinking about the industry types that will be examined first in the system \\(e.g. mortgage, MSB, consumer finance, etc.\\) and the companies within that industry.\n\n2.  Determine whether you have the right industry and company contacts to whom the SES communication and resources should be sent.\n\n3.  Consider how far in advance you would like to communicate with the company about SES \\(we recommend that agencies send the standard communication and resources to companies at least three weeks before the start of the examination in the system\\)\n\n**Parent topic:**SES Jumpstart Options\n\n**Previous topic:**SES Implementation Jumpstart Optional Action 3\n\n**Next topic:**SES Implementation Jumpstart Optional Action 5\n\n[^1]: This document lists optional actions and instructions state agencies can perform now prior to the SES formal implementation process, comprised by onboarding and training. Working on these options ahead of time will enhance your implementation process and make certain agency-specific features in the system readily available to you during the onboarding process. Please note that completing any of the options below does not guarantee that the agency will get early access to the system or that the agency will start the formal impl",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\onboarding\\topics\\t_agency_GS_jumpStart_option4.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\onboarding\\topics\\t_agency_GS_jumpStart_option4.md",
      "headings": [
        "SES Implementation Jumpstart Optional Action 4 {#t_agency_GS_jumpStart_option4 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/onboarding/topics/t_agency_GS_jumpStart_option4.html",
      "snippet": null
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      "id": "maps/SES/chapter/bizContent/onboarding/topics/t_agency_GS_jumpStart_option4.md:chunk-1",
      "title": "SES Implementation Jumpstart Optional Action 4 {#t_agency_GS_jumpStart_option4 .task}",
      "content": "during the onboarding process. Please note that completing any of the options below does not guarantee that the agency will get early access to the system or that the agency will start the formal implementation system earlier than planned.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\onboarding\\topics\\t_agency_GS_jumpStart_option4.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\onboarding\\topics\\t_agency_GS_jumpStart_option4.md",
      "headings": [
        "SES Implementation Jumpstart Optional Action 4 {#t_agency_GS_jumpStart_option4 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/onboarding/topics/t_agency_GS_jumpStart_option4.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/onboarding/topics/t_agency_companyUserEnroll_init-1.md:chunk-0",
      "title": "Enrolling a Company User for Exams or Complaints {#xd_80647b36c08634d1--224c7740-180a488b21a--7fe5 .task}",
      "content": "# Enrolling a Company User for Exams or Complaints \n\nTo enroll a company onto SES, a new user account must be created for the person at the company who receives examination or complaints correspondence from an agency.\n\nAny agency user role other than account administrator can initiate company user enrollment.\n\n**Note:** Users with the Complaint Supervisor and Complaint Manager roles can onboard a company to SES. See SES Agency System Roles & Consumer Complaints Roles for more information.\n\nBefore you can send information requests \\(IRs\\) to a company in SES, you must initiate User Enrollment. Enrolling a company to SES initiates notifications inviting the company to join the system, so it is best practice to let the company know that they should anticipate emails from SES prior to initiating enrollment. For more information on company enrollment, see Company Enrollment in SES – How it Works.\n\n1.  Click **Company Search**.\n\n    \n\n2.  Enter the information for the company you want to enroll in SES.\n\n3.  Click **Search**.\n\n4.  Click the **SES ID**.\n\n    \n\n5.  Click **Company User Enrollment** in the top right.\n\n    \n\n    **Note:** If the **Company User Enrollment** button does not appear, then the company has already been enrolled in SES by another agency. You can also confirm this if there is an SA Contact or Complaint Contact assigned on the company record page.\n\n6.  Enter required information for the individual at the company who you would normally contact for examination or complaints purposes..\n\n7.  Click **Create New User**.\n\n    \n\nThe newly created user receives an email from Okta® instructing him or her to create an Okta® account. The user must also verify the company affiliation when added to SES.\n\n**Note:** As an agency user of the enrolling agency, you can send a quick reminder notification to the company to complete enrollment if they do not respond to the email from Okta® by clicking the **Send Reminder** icon.\n\nOnce the company completes the enrollment an",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\onboarding\\topics\\t_agency_companyUserEnroll_init-1.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\onboarding\\topics\\t_agency_companyUserEnroll_init-1.md",
      "headings": [
        "Enrolling a Company User for Exams or Complaints {#xd_80647b36c08634d1--224c7740-180a488b21a--7fe5 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/onboarding/topics/t_agency_companyUserEnroll_init-1.html",
      "snippet": null
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    {
      "id": "maps/SES/chapter/bizContent/onboarding/topics/t_agency_companyUserEnroll_init-1.md:chunk-1",
      "title": "Enrolling a Company User for Exams or Complaints {#xd_80647b36c08634d1--224c7740-180a488b21a--7fe5 .task}",
      "content": "a quick reminder notification to the company to complete enrollment if they do not respond to the email from Okta® by clicking the **Send Reminder** icon.\n\nOnce the company completes the enrollment and assignment processes, you will receive a notification of completion.\n\nThe user should refer to the Company Enrollment in SES – How it Works and Activating Your Okta Account for SES articles for more information.\n\n**Parent topic:**Company Onboarding\n\n**Related information**  \n\nSearching for Subject\n\nCreating a Non-NMLS Entity",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\onboarding\\topics\\t_agency_companyUserEnroll_init-1.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\onboarding\\topics\\t_agency_companyUserEnroll_init-1.md",
      "headings": [
        "Enrolling a Company User for Exams or Complaints {#xd_80647b36c08634d1--224c7740-180a488b21a--7fe5 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/onboarding/topics/t_agency_companyUserEnroll_init-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/onboarding/topics/t_agency_companyUserEnroll_init.md:chunk-0",
      "title": "Enrolling a Company User for Exams or Complaints {#xd_80647b36c08634d1--224c7740-180a488b21a--7fe5 .task}",
      "content": "# Enrolling a Company User for Exams or Complaints \n\nTo enroll a company onto SES, a new user account must be created for the person at the company who receives examination or complaints correspondence from an agency.\n\nAny agency user role other than account administrator can initiate company user enrollment.\n\n**Note:** Users with the Complaint Supervisor and Complaint Manager roles can onboard a company to SES. See SES Agency System Roles & Consumer Complaints Roles for more information.\n\nBefore you can send information requests \\(IRs\\) to a company in SES, you must initiate User Enrollment. Enrolling a company to SES initiates notifications inviting the company to join the system, so it is best practice to let the company know that they should anticipate emails from SES prior to initiating enrollment. For more information on company enrollment, see Company Enrollment in SES – How it Works.\n\n1.  Click **Company Search**.\n\n    \n\n2.  Enter the information for the company you want to enroll in SES.\n\n3.  Click **Search**.\n\n4.  Click the **SES ID**.\n\n    \n\n5.  Click **Company User Enrollment** in the top right.\n\n    \n\n    **Note:** If the **Company User Enrollment** button does not appear, then the company has already been enrolled in SES by another agency. You can also confirm this if there is an SA Contact or Complaint Contact assigned on the company record page.\n\n6.  Enter required information for the individual at the company who you would normally contact for examination or complaints purposes..\n\n7.  Click **Create New User**.\n\n    \n\nThe newly created user receives an email from Okta® instructing him or her to create an Okta® account. The user must also verify the company affiliation when added to SES.\n\n**Note:** As an agency user of the enrolling agency, you can send a quick reminder notification to the company to complete enrollment if they do not respond to the email from Okta® by clicking the **Send Reminder** icon.\n\nOnce the company completes the enrollment an",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\onboarding\\topics\\t_agency_companyUserEnroll_init.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\onboarding\\topics\\t_agency_companyUserEnroll_init.md",
      "headings": [
        "Enrolling a Company User for Exams or Complaints {#xd_80647b36c08634d1--224c7740-180a488b21a--7fe5 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/onboarding/topics/t_agency_companyUserEnroll_init.html",
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      "id": "maps/SES/chapter/bizContent/onboarding/topics/t_agency_companyUserEnroll_init.md:chunk-1",
      "title": "Enrolling a Company User for Exams or Complaints {#xd_80647b36c08634d1--224c7740-180a488b21a--7fe5 .task}",
      "content": "a quick reminder notification to the company to complete enrollment if they do not respond to the email from Okta® by clicking the **Send Reminder** icon.\n\nOnce the company completes the enrollment and assignment processes, you will receive a notification of completion.\n\nThe user should refer to the Company Enrollment in SES – How it Works and Activating Your Okta Account for SES articles for more information.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\onboarding\\topics\\t_agency_companyUserEnroll_init.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\onboarding\\topics\\t_agency_companyUserEnroll_init.md",
      "headings": [
        "Enrolling a Company User for Exams or Complaints {#xd_80647b36c08634d1--224c7740-180a488b21a--7fe5 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/onboarding/topics/t_agency_companyUserEnroll_init.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/reference/topics/c_SES_termsOfUse_agency.md:chunk-0",
      "title": "State Agency Terms of Use {#xd_62497eaddecba2ef-7f6e56d2-183e1b131ba--7ff9 .concept}",
      "content": "# State Agency Terms of Use \n\nState Examination System terms of use for agencies.\n\n**This System is for authorized use only. The System usage may be monitored, recorded, read, captured, or subject to audit in any manner by authorized personnel. Accessing and using this System constitutes consent to having System use monitored and recorded. Unauthorized use is prohibited and subject to not only revocation of access but also criminal and/or civil penalties due to violation of Federal and/or State laws. If criminal activity is discovered, the information will be provided to the appropriate law enforcement officials. Suspected access or use violations should be reported to the CSBS Chief Security Officer at security@csbs.org.**\n\n## 1. Agreement { .section}\n\nThis State Agency Terms of Use is an agreement between State Regulatory Registry LLC \\(“SRR”\\) and State Agency with regard to State Agency's and its personnel's use of the Nationwide Mortgage Licensing System and Registry \\(herein referred to as the “System”, as further defined in Section 2\\) for the State Agency's supervisory purposes, including but not limited to complying with the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 \\(12 U.S.C. 5101 et seq\\) \\(“SAFE Act”\\) and utilizing all functionality made available through the System. SRR offers on its website at http://www.statemortgageregistry.org various on-line applications, materials and services provided by SRR, affiliates of SRR and, in some cases, third parties. Prior to accessing the System, each of State Agency's personnel must obtain a unique username and password in order to use the State Agency's account established by this Agreement \\(“State Agency's Account”\\).\n\n## 2. Definitions { .section}\n\n-   The term “Agreement” means these State Agency Terms of Use, the Schedule of System Availability, the Schedule of System Requirements, and the System Privacy Notice.pdf), and any amendments thereto.\n-   The term “Applicant” as used in this Agr",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\reference\\topics\\c_SES_termsOfUse_agency.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\reference\\topics\\c_SES_termsOfUse_agency.md",
      "headings": [
        "State Agency Terms of Use {#xd_62497eaddecba2ef-7f6e56d2-183e1b131ba--7ff9 .concept}",
        "1. Agreement { .section}",
        "2. Definitions { .section}",
        "3. General { .section}",
        "4. Data { .section}",
        "5. Changes { .section}",
        "6. Equipment { .section}",
        "7. State Agency Conduct { .section}",
        "8. Limited Warranty { .section}",
        "9. Limitation of Liability { .section}",
        "10. Indemnification { .section}",
        "11. Suspension and Termination { .section}",
        "12. Trademarks { .section}",
        "13. Third-Party Content { .section}",
        "14. Privacy, Data Retention, and Breach Response { .section}",
        "15. Miscellaneous { .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/reference/topics/c_SES_termsOfUse_agency.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/reference/topics/c_SES_termsOfUse_agency.md:chunk-1",
      "title": "State Agency Terms of Use {#xd_62497eaddecba2ef-7f6e56d2-183e1b131ba--7ff9 .concept}",
      "content": "ncy Terms of Use, the Schedule of System Availability, the Schedule of System Requirements, and the System Privacy Notice.pdf), and any amendments thereto.\n-   The term “Applicant” as used in this Agreement means the person or entity submitting one or more Applications, or that has been approved for one or more License.\n-   The term “Applicant Data” as used in this Agreement means \\(i\\) the information submitted to the System by Applicants or third parties in connection with an Application or in connection with the renewal or maintenance of a License, including in connection with satisfaction of relevant federal and state mandated testing and education requirements; \\(ii\\) information contained in reports of condition submitted by Applicants pursuant to the SAFE Act and/or other state or federal laws; and \\(iii\\) any updates to such information, whether permissive or required by law.\n-   The term “Application” as used in this Agreement means an application for a License through the System.\n-   The term “Complaint Data” means any information submitted to the System with respect to a complaint including but not limited to any information submitted to the System by or on behalf of a complainant or gained from any source in investigating and/or responding to a complaint.\n-   The term “Examination Data” means any information related to or included in a supervisory examination, investigation or enforcement action including but not limited to an individual, joint, coordinated, or multistate examination, reported to or on the System.\n-   The term “License” as used in this Agreement means any license, registration, certificate, designation or exemption or any similar form of authorization granted by State Agency for the purpose of authorizing activities in or relating to a financial services business in State Agency's state.\n-   The term “Licensor” as used in this Agreement means a third-party contractor who has granted SRR a license to software applications, materials, cont",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\reference\\topics\\c_SES_termsOfUse_agency.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\reference\\topics\\c_SES_termsOfUse_agency.md",
      "headings": [
        "State Agency Terms of Use {#xd_62497eaddecba2ef-7f6e56d2-183e1b131ba--7ff9 .concept}",
        "1. Agreement { .section}",
        "2. Definitions { .section}",
        "3. General { .section}",
        "4. Data { .section}",
        "5. Changes { .section}",
        "6. Equipment { .section}",
        "7. State Agency Conduct { .section}",
        "8. Limited Warranty { .section}",
        "9. Limitation of Liability { .section}",
        "10. Indemnification { .section}",
        "11. Suspension and Termination { .section}",
        "12. Trademarks { .section}",
        "13. Third-Party Content { .section}",
        "14. Privacy, Data Retention, and Breach Response { .section}",
        "15. Miscellaneous { .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/reference/topics/c_SES_termsOfUse_agency.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/reference/topics/c_SES_termsOfUse_agency.md:chunk-2",
      "title": "State Agency Terms of Use {#xd_62497eaddecba2ef-7f6e56d2-183e1b131ba--7ff9 .concept}",
      "content": "cial services business in State Agency's state.\n-   The term “Licensor” as used in this Agreement means a third-party contractor who has granted SRR a license to software applications, materials, content or services used in the System. “Licensor” does not include Applicants.\n-   The term “Shared Information” as used in this Agreement means Applicant Data, Examination Data, Complaint Data or other data that is submitted to the System and accessible by more than one state and/or federal agency.\n-   The term “State Agency” as used in this Agreement means the agency that has contracted with SRR to access and use the System and to which this Agreement applies.\n-   The term “System” as used in this Agreement means the Nationwide Mortgage Licensing System and Registry \\(which is also referred to as the Nationwide Multistate Licensing System, the Nationwide Mortgage Licensing System, NMLSR and/or NMLS\\) and any and all examination programs, complaint programs, software applications, materials, content or services accessible thereon as provided by SRR, affiliates of SRR or other third parties.\n-   The term “Third-Party Content Provider” as used in this Agreement means a party other than SRR or State Agency, including but not limited to another state regulator, another state licensing agency, a law enforcement agency or a self-regulatory organization, whose information SRR makes available on the system for the purpose of providing useful information. “Third-Party Content Provider” does not include Applicants.\n\n## 3. General { .section}\n\n\\(A\\) This Agreement governs use by State Agency of the System. Any individual acting as an agent or employee may only agree to this Agreement if he or she has the legal power and authority to bind State Agency to this Agreement or hereby certifies that someone who has the legal power and authority to bind State Agency to the Agreement has done so. The use of the System is conditioned upon the acceptance of all provisions of this Agreement. An",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\reference\\topics\\c_SES_termsOfUse_agency.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\reference\\topics\\c_SES_termsOfUse_agency.md",
      "headings": [
        "State Agency Terms of Use {#xd_62497eaddecba2ef-7f6e56d2-183e1b131ba--7ff9 .concept}",
        "1. Agreement { .section}",
        "2. Definitions { .section}",
        "3. General { .section}",
        "4. Data { .section}",
        "5. Changes { .section}",
        "6. Equipment { .section}",
        "7. State Agency Conduct { .section}",
        "8. Limited Warranty { .section}",
        "9. Limitation of Liability { .section}",
        "10. Indemnification { .section}",
        "11. Suspension and Termination { .section}",
        "12. Trademarks { .section}",
        "13. Third-Party Content { .section}",
        "14. Privacy, Data Retention, and Breach Response { .section}",
        "15. Miscellaneous { .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/reference/topics/c_SES_termsOfUse_agency.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/reference/topics/c_SES_termsOfUse_agency.md:chunk-3",
      "title": "State Agency Terms of Use {#xd_62497eaddecba2ef-7f6e56d2-183e1b131ba--7ff9 .concept}",
      "content": "s that someone who has the legal power and authority to bind State Agency to the Agreement has done so. The use of the System is conditioned upon the acceptance of all provisions of this Agreement. Any information accessed, requested or provided through the System must be accessed, requested and used in accordance with the provisions of this Agreement. SRR reserves any rights not expressly granted under this Agreement. STATE AGENCY AGREES THAT THIS AGREEMENT IS ENFORCEABLE LIKE ANY WRITTEN AND FULLY NEGOTIATED AGREEMENT SIGNED BY STATE AGENCY. IF STATE AGENCY DOES NOT AGREE, DO NOT CLICK “I AGREE” AND DO NOT USE THE SYSTEM.\n\n\\(B\\) The right to use the System is limited to State Agency and is not transferable. State Agency is responsible for all use of State Agency's Account \\(under any username or password\\) and for ensuring that all use of State Agency's Account complies fully with the provisions of this Agreement and is in compliance with State Agency’s regulatory authority. State Agency further agrees to develop and follow appropriate access control policies and procedures to ensure that only authorized individuals have access to the System. Each individual accessing the System must do so with unique login credentials that can be used only by that individual. The System and any information provided through it \\(other than information owned by State Agency\\) may be used by State Agency only in accordance with the terms of this Agreement and in conformance with State Agency's regulatory authority.\n\n\\(C\\)\n\n-   \\(1\\) In consideration of the services provided to State Agency through the System, State Agency grants SRR a right to retain, from the fee paid by each Applicant via the System, a system processing fee and other fees as set by the SRR Board of Managers.\n-   \\(2\\) SRR will collect, and hold in a non-interest-bearing trust account, the license and other fees paid by Applicant by credit card transaction, ACH transaction or other payment means deemed appropriate ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\reference\\topics\\c_SES_termsOfUse_agency.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\reference\\topics\\c_SES_termsOfUse_agency.md",
      "headings": [
        "State Agency Terms of Use {#xd_62497eaddecba2ef-7f6e56d2-183e1b131ba--7ff9 .concept}",
        "1. Agreement { .section}",
        "2. Definitions { .section}",
        "3. General { .section}",
        "4. Data { .section}",
        "5. Changes { .section}",
        "6. Equipment { .section}",
        "7. State Agency Conduct { .section}",
        "8. Limited Warranty { .section}",
        "9. Limitation of Liability { .section}",
        "10. Indemnification { .section}",
        "11. Suspension and Termination { .section}",
        "12. Trademarks { .section}",
        "13. Third-Party Content { .section}",
        "14. Privacy, Data Retention, and Breach Response { .section}",
        "15. Miscellaneous { .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/reference/topics/c_SES_termsOfUse_agency.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/reference/topics/c_SES_termsOfUse_agency.md:chunk-4",
      "title": "State Agency Terms of Use {#xd_62497eaddecba2ef-7f6e56d2-183e1b131ba--7ff9 .concept}",
      "content": " SRR will collect, and hold in a non-interest-bearing trust account, the license and other fees paid by Applicant by credit card transaction, ACH transaction or other payment means deemed appropriate by the SRR Board of Managers. Subject to Section 3\\(C\\)\\(1\\), such funds will be disbursed to State Agency after a reasonable period of time established by the SRR Board of Managers, not to exceed five \\(5\\) business days and sufficient to establish and maintain an orderly process for collection and disbursement. In the event an Applicant’s payment fails or is returned and the trust account is reduced by the returned amount, SRR may deduct the returned amount from future disbursements to the State Agency. SRR will make available to State Agency, by download from the System, a report detailing such collection, deduction and disbursement activity. Other than its right to receive payment of its fees as contemplated by Section 3\\(C\\)\\(1\\), SRR will not have any interest in the trust account, and will not commingle its own assets with those of the State Agency held in any such trust account \\(it being agreed that such trust account may contain other funds collected by SRR for other state agencies pursuant to agreements comparable to this Agreement\\).\n\n\\(D\\) SRR grants to State Agency a non-exclusive license to use the System for the purposes described herein and for so long as State Agency complies with the terms of this Agreement.\n\n\\(E\\) If a State Agency elects to use the System, State Agency designates SRR as State Agency's agent for the purposes of collecting data and maintaining a database and links to third-party databases with information supplied in relation to, or relevant to, the State Agency’s use\\(s\\) of the System. SRR shall have no authority to mandate any of State Agency's application requirements, complaint processes or examination procedures. It is State Agency's responsibility to ensure that all information relevant to Applications, any renewal or maintenan",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\reference\\topics\\c_SES_termsOfUse_agency.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\reference\\topics\\c_SES_termsOfUse_agency.md",
      "headings": [
        "State Agency Terms of Use {#xd_62497eaddecba2ef-7f6e56d2-183e1b131ba--7ff9 .concept}",
        "1. Agreement { .section}",
        "2. Definitions { .section}",
        "3. General { .section}",
        "4. Data { .section}",
        "5. Changes { .section}",
        "6. Equipment { .section}",
        "7. State Agency Conduct { .section}",
        "8. Limited Warranty { .section}",
        "9. Limitation of Liability { .section}",
        "10. Indemnification { .section}",
        "11. Suspension and Termination { .section}",
        "12. Trademarks { .section}",
        "13. Third-Party Content { .section}",
        "14. Privacy, Data Retention, and Breach Response { .section}",
        "15. Miscellaneous { .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/reference/topics/c_SES_termsOfUse_agency.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/reference/topics/c_SES_termsOfUse_agency.md:chunk-5",
      "title": "State Agency Terms of Use {#xd_62497eaddecba2ef-7f6e56d2-183e1b131ba--7ff9 .concept}",
      "content": " Agency's application requirements, complaint processes or examination procedures. It is State Agency's responsibility to ensure that all information relevant to Applications, any renewal or maintenance of a License, or any other supervisory or regulatory matter, including, but not limited to, examinations or complaints, is obtained by State Agency, whether or not available on the System, and to verify that all such information is current and correct. If State Agency requests additional information about an Applicant or regarding any supervisory or regulatory matter from third parties, SRR will not be responsible for the accuracy or content of such information, whether or not the System facilitates its transmission.\n\n\\(F\\) Any disputes between State Agency and an Applicant must be resolved by the State Agency with that Applicant through the State Agency’s normal process.\n\n\\(G\\) Access to the System from jurisdictions where the System \\(or any part thereof\\) is illegal is prohibited. If State Agency accesses the System from a location outside the United States, State Agency is responsible for compliance with all applicable local laws.\n\n\\(H\\) SRR will undertake commercially reasonable efforts to maintain State Agency's ability to use the System in the manner contemplated by this Agreement. The hours of availability are set forth in Exhibit A \\(“Schedule of System Availability”\\) and the equipment needed for access or use is set forth in Exhibit B \\(“Schedule of System Requirements”\\). If SRR fails to meet the terms of the Schedule of System Availability or the Schedule of System Requirements, State Agency's sole remedy is to notify SRR and/or terminate this Agreement and SRR's sole liability will be to undertake commercially reasonable efforts to rectify such failure.\n\n\\(I\\) SRR makes no guaranty regarding the future participation of any state in the System.\n\n\\(J\\) State Agency is responsible for protecting the confidentiality of State Agency's login credentials \\(inc",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\reference\\topics\\c_SES_termsOfUse_agency.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\reference\\topics\\c_SES_termsOfUse_agency.md",
      "headings": [
        "State Agency Terms of Use {#xd_62497eaddecba2ef-7f6e56d2-183e1b131ba--7ff9 .concept}",
        "1. Agreement { .section}",
        "2. Definitions { .section}",
        "3. General { .section}",
        "4. Data { .section}",
        "5. Changes { .section}",
        "6. Equipment { .section}",
        "7. State Agency Conduct { .section}",
        "8. Limited Warranty { .section}",
        "9. Limitation of Liability { .section}",
        "10. Indemnification { .section}",
        "11. Suspension and Termination { .section}",
        "12. Trademarks { .section}",
        "13. Third-Party Content { .section}",
        "14. Privacy, Data Retention, and Breach Response { .section}",
        "15. Miscellaneous { .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/reference/topics/c_SES_termsOfUse_agency.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/reference/topics/c_SES_termsOfUse_agency.md:chunk-6",
      "title": "State Agency Terms of Use {#xd_62497eaddecba2ef-7f6e56d2-183e1b131ba--7ff9 .concept}",
      "content": "I\\) SRR makes no guaranty regarding the future participation of any state in the System.\n\n\\(J\\) State Agency is responsible for protecting the confidentiality of State Agency's login credentials \\(including without limitation individual usernames and passwords\\). State Agency agrees to notify SRR immediately if it becomes aware of the loss, theft or unauthorized use of any username or password, or unauthorized access to or use of the System or any information submitted to or contained in the System.\n\n## 4. Data { .section}\n\n\\(A\\) Applicant Data.\n\n-   \\(1\\) For purposes of this Agreement, Applicant Data that Applicants submit to the System and release to State Agency through the System during the pendency of an Application and during the period of licensure is State Agency's property and for purposes of this Agreement is deemed to be owned by State Agency; provided, however, it is expressly understood that State Agency does not own any Applicant Data accessible through the System but not released by Applicants to State Agency \\(such as Applicant Data that are released by Applicants to other state agencies but not to State Agency\\). State Agency agrees and acknowledges that in many instances the Applicant Data submitted by an Applicant and released to multiple states will also be owned by the other state agencies to which Applicant has made the information available. SRR will not be required to correct or alter any Applicant Data unless all state agencies that have ownership thereof consent. It will be the responsibility of State Agency to coordinate with other state agencies to obtain consent.\n\n\\(B\\) State Agency will, after expiration of the License granted by State Agency, have access to Applicant Data that Applicants released to State Agency. SRR is authorized by State Agency to share Applicant Data \\(excluding FBI criminal history data or credit checks\\), as well as any other data or content uploaded to the System by State Agency, with all state and federal regul",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\reference\\topics\\c_SES_termsOfUse_agency.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\reference\\topics\\c_SES_termsOfUse_agency.md",
      "headings": [
        "State Agency Terms of Use {#xd_62497eaddecba2ef-7f6e56d2-183e1b131ba--7ff9 .concept}",
        "1. Agreement { .section}",
        "2. Definitions { .section}",
        "3. General { .section}",
        "4. Data { .section}",
        "5. Changes { .section}",
        "6. Equipment { .section}",
        "7. State Agency Conduct { .section}",
        "8. Limited Warranty { .section}",
        "9. Limitation of Liability { .section}",
        "10. Indemnification { .section}",
        "11. Suspension and Termination { .section}",
        "12. Trademarks { .section}",
        "13. Third-Party Content { .section}",
        "14. Privacy, Data Retention, and Breach Response { .section}",
        "15. Miscellaneous { .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/reference/topics/c_SES_termsOfUse_agency.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/reference/topics/c_SES_termsOfUse_agency.md:chunk-7",
      "title": "State Agency Terms of Use {#xd_62497eaddecba2ef-7f6e56d2-183e1b131ba--7ff9 .concept}",
      "content": "e Agency to share Applicant Data \\(excluding FBI criminal history data or credit checks\\), as well as any other data or content uploaded to the System by State Agency, with all state and federal regulatory officials who certify that they have mortgage or financial services industry oversight authority and are subject to, and have the legal authority to comply with, Section 1512 of the SAFE Act \\(12 U.S.C. 5111\\) subject to appropriate usage agreements entered into by SRR and state and federal regulatory officials.\n\n\\(C\\) Examination Data. State Agency or federal agency submitting Examination Data to the System or which has access to Examination Data submitted to the System will treat any such Examination Data in accordance with applicable memoranda of understanding, interagency agreements, other similar agreements, or applicable state or federal laws or regulations, including but not limited to 12 U.S.C. 5111.\n\n\\(D\\) Complaint Data. State Agency or federal agency accessing Complaint Data submitted to the System will treat any such Complaint Data in accordance with applicable memoranda of understanding, interagency agreements, other similar agreements, or applicable state or federal laws or regulations, including but not limited to 12 U.S.C. 5111. All Complaint Data is Shared Information with the exception of any personally identifiable information that may be masked in accordance with the applicable State Agency requirements. State Agency may share Complaint Data with the appropriate law enforcement officials or any other relevant parties.\n\n\\(E\\) Applicant Data, Examination Data and Complaint Data.\n\n-   \\(1\\) State Agency agrees that it will not, nor permit anyone else to: \\(a\\) use any data mining, robots, or similar data-gathering and extraction methods to monitor or copy the System \\(or parts thereof\\) in bulk, or to make voluminous, excessive or repetitive requests for information that reduce the speed and efficiency of the System \\(or parts thereof\\); \\(b\\) use",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\reference\\topics\\c_SES_termsOfUse_agency.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\reference\\topics\\c_SES_termsOfUse_agency.md",
      "headings": [
        "State Agency Terms of Use {#xd_62497eaddecba2ef-7f6e56d2-183e1b131ba--7ff9 .concept}",
        "1. Agreement { .section}",
        "2. Definitions { .section}",
        "3. General { .section}",
        "4. Data { .section}",
        "5. Changes { .section}",
        "6. Equipment { .section}",
        "7. State Agency Conduct { .section}",
        "8. Limited Warranty { .section}",
        "9. Limitation of Liability { .section}",
        "10. Indemnification { .section}",
        "11. Suspension and Termination { .section}",
        "12. Trademarks { .section}",
        "13. Third-Party Content { .section}",
        "14. Privacy, Data Retention, and Breach Response { .section}",
        "15. Miscellaneous { .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/reference/topics/c_SES_termsOfUse_agency.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/reference/topics/c_SES_termsOfUse_agency.md:chunk-8",
      "title": "State Agency Terms of Use {#xd_62497eaddecba2ef-7f6e56d2-183e1b131ba--7ff9 .concept}",
      "content": "copy the System \\(or parts thereof\\) in bulk, or to make voluminous, excessive or repetitive requests for information that reduce the speed and efficiency of the System \\(or parts thereof\\); \\(b\\) use any device, software or routine to bypass any software or hardware that prohibits volume requests for information; \\(c\\) interfere with or attempt to interfere with the proper working of the System \\(or parts thereof\\); and \\(d\\) take any action that imposes an unreasonable or disproportionately large load on the System \\(or parts thereof\\). To the extent State Agency wishes to data mine or otherwise manipulate its data in a manner that may reduce the speed and efficiency of the System, State Agency agrees that it must first obtain the permission of SRR and cooperate with SRR to either download such data and perform the mining or other manipulation offline, or otherwise conduct such mining or other manipulation without impairing the System. To the extent State Agency desires to data mine its information residing on the System, or requests that SRR convert any data to be downloaded, such permission may be contingent upon the payment of fees.\n-   \\(2\\) Every State Agency participating in the System may have access to a subset of Applicant Data, Examination Data, Complaint Data or other data that is Shared Information.\n-   \\(3\\) State Agency grants SRR the right to collect and manipulate Applicant Data, Examination Data, Complaint Data or any other data owned by State Agency for the purpose of disseminating Applicant Data, Examination Data, Complaint Data or any other data aggregated on a state, regional or national level. State Agency also grants SRR the right to copy, process, store and distribute Applicant Data, Examination Data, and Complaint Data, as well as any other data or content uploaded to the System by State Agency, consistent with SRR's performance of its obligations contemplated by this Agreement. Applicant Data, Examination Data, Complaint Data and any othe",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\reference\\topics\\c_SES_termsOfUse_agency.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\reference\\topics\\c_SES_termsOfUse_agency.md",
      "headings": [
        "State Agency Terms of Use {#xd_62497eaddecba2ef-7f6e56d2-183e1b131ba--7ff9 .concept}",
        "1. Agreement { .section}",
        "2. Definitions { .section}",
        "3. General { .section}",
        "4. Data { .section}",
        "5. Changes { .section}",
        "6. Equipment { .section}",
        "7. State Agency Conduct { .section}",
        "8. Limited Warranty { .section}",
        "9. Limitation of Liability { .section}",
        "10. Indemnification { .section}",
        "11. Suspension and Termination { .section}",
        "12. Trademarks { .section}",
        "13. Third-Party Content { .section}",
        "14. Privacy, Data Retention, and Breach Response { .section}",
        "15. Miscellaneous { .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/reference/topics/c_SES_termsOfUse_agency.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/reference/topics/c_SES_termsOfUse_agency.md:chunk-9",
      "title": "State Agency Terms of Use {#xd_62497eaddecba2ef-7f6e56d2-183e1b131ba--7ff9 .concept}",
      "content": "ta or content uploaded to the System by State Agency, consistent with SRR's performance of its obligations contemplated by this Agreement. Applicant Data, Examination Data, Complaint Data and any other data may be checked against other State and federal regulatory agency databases, the Social Security Administration, financial services or securities industry self-regulatory organization, or commercial databases. State Agency grants SRR the right to use any contact information from time to time for the purposes of issuing communications concerning the System. State Agency acknowledges that certain Applicant Data, Examination Data, or Complaint Data submitted via the System, and other data or content uploaded to the System by State Agency, may be accessed publicly. SRR has no obligation with respect to any third party's use of data or content accessed through the System. If SRR is requested by law enforcement or by a legally sanctioned investigatory authority or otherwise through legal process or under law to disclose any data owned by State Agency, SRR will notify State Agency in advance of, and will cooperate with State Agency in any attempt to limit, such disclosure unless prohibited by law.\n\n## 5. Changes { .section}\n\n\\(A\\) SRR reserves the right to change this Agreement or any part of the System from time to time; provided that, except as provided in Section 5\\(B\\), SRR may only make material changes upon a unanimous vote of the SRR Board of Managers. Such material changes will be effective upon the earliest of \\(i\\) one hundred twenty \\(120\\) days after SRR notifies State Agency of such changes, \\(ii\\) such time that State Agency agrees to such changes or \\(iii\\) such time as may be required by law or court order. Subject to the foregoing, use of the System constitutes State Agency's acknowledgement and acceptance of this Agreement as it exists at the time of such use.\n\n\\(B\\) SRR reserves the right to change or discontinue any aspect or feature of the System, in",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\reference\\topics\\c_SES_termsOfUse_agency.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\reference\\topics\\c_SES_termsOfUse_agency.md",
      "headings": [
        "State Agency Terms of Use {#xd_62497eaddecba2ef-7f6e56d2-183e1b131ba--7ff9 .concept}",
        "1. Agreement { .section}",
        "2. Definitions { .section}",
        "3. General { .section}",
        "4. Data { .section}",
        "5. Changes { .section}",
        "6. Equipment { .section}",
        "7. State Agency Conduct { .section}",
        "8. Limited Warranty { .section}",
        "9. Limitation of Liability { .section}",
        "10. Indemnification { .section}",
        "11. Suspension and Termination { .section}",
        "12. Trademarks { .section}",
        "13. Third-Party Content { .section}",
        "14. Privacy, Data Retention, and Breach Response { .section}",
        "15. Miscellaneous { .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/reference/topics/c_SES_termsOfUse_agency.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/reference/topics/c_SES_termsOfUse_agency.md:chunk-10",
      "title": "State Agency Terms of Use {#xd_62497eaddecba2ef-7f6e56d2-183e1b131ba--7ff9 .concept}",
      "content": "tes State Agency's acknowledgement and acceptance of this Agreement as it exists at the time of such use.\n\n\\(B\\) SRR reserves the right to change or discontinue any aspect or feature of the System, including, but not limited to, functionality, content, hours of availability, and equipment needed for access or use from time to time; provided that SRR may only make material changes upon thirty \\(30\\) days advance notice to State Agency; provided, further, that if an immediate change is necessary, SRR may instead notify State Agency as soon thereafter as practicable.\n\n\\(C\\) Fees will be set by the SRR Board of Managers and may be changed with thirty \\(30\\) days advance notice to State Agency.\n\n\\(D\\) This Agreement may only be altered or amended in writing.\n\n## 6. Equipment { .section}\n\nState Agency is responsible for obtaining and maintaining all equipment required for access to and use of the System, and all charges and costs related thereto. These equipment requirements are published on the Schedule of System Requirements \\(Exhibit B\\) and may be amended from time to time pursuant to Section 5.\n\n## 7. State Agency Conduct { .section}\n\n\\(A\\) State Agency may only use the System for lawful purposes. State Agency may not post or transmit through the System any material that violates or infringes in any way upon the rights of others, that is unlawful, threatening, abusive, defamatory, invasive of privacy or publicity rights, vulgar, obscene, profane or otherwise objectionable, that encourages conduct that would constitute a criminal offense, give rise to civil liability to SRR or otherwise violate any law, or that, without SRR's express prior written approval, contains advertising or any solicitation with respect to products or services. Any conduct by State Agency that, in SRR's sole determination, restricts or inhibits any other state agency from using or enjoying the System will not be permitted. State Agency may not use the System, or the content contained therein or",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\reference\\topics\\c_SES_termsOfUse_agency.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\reference\\topics\\c_SES_termsOfUse_agency.md",
      "headings": [
        "State Agency Terms of Use {#xd_62497eaddecba2ef-7f6e56d2-183e1b131ba--7ff9 .concept}",
        "1. Agreement { .section}",
        "2. Definitions { .section}",
        "3. General { .section}",
        "4. Data { .section}",
        "5. Changes { .section}",
        "6. Equipment { .section}",
        "7. State Agency Conduct { .section}",
        "8. Limited Warranty { .section}",
        "9. Limitation of Liability { .section}",
        "10. Indemnification { .section}",
        "11. Suspension and Termination { .section}",
        "12. Trademarks { .section}",
        "13. Third-Party Content { .section}",
        "14. Privacy, Data Retention, and Breach Response { .section}",
        "15. Miscellaneous { .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/reference/topics/c_SES_termsOfUse_agency.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/reference/topics/c_SES_termsOfUse_agency.md:chunk-11",
      "title": "State Agency Terms of Use {#xd_62497eaddecba2ef-7f6e56d2-183e1b131ba--7ff9 .concept}",
      "content": "SRR's sole determination, restricts or inhibits any other state agency from using or enjoying the System will not be permitted. State Agency may not use the System, or the content contained therein or obtained therefrom, to advertise or perform any commercial solicitation. Other than as expressly permitted in Sections 3 and 4, in no event may State Agency offer to others any content of any kind retrieved from the System.\n\n\\(B\\) The System contains copyrighted material, trademarks and other proprietary information. Subject to Section 4, and with the exception of any State Agency Property \\(defined below\\), SRR owns or has rights to the System, and no rights thereto are conferred by virtue of this Agreement except to the extent expressly granted herein. State Agency owns any trademarks or content it has uploaded or provided for display on the System \\(“State Agency Property”\\) and grants SRR the right to copy, process, store and distribute State Agency Property consistent with SRR's performance of its obligations contemplated by this Agreement. The System contains links to and accesses proprietary databases of SRR and third parties and employs proprietary software of SRR and third parties. Other than as expressly permitted in Sections 3 and 4, State Agency may not modify, publish, transmit, participate in the transfer or sale, create derivative works, or in any way exploit, any of the software applications, materials or services hosted on or obtained from the System, in whole or in part, without the express permission of SRR or the applicable owner thereof. In the event of any permitted copying, redistribution or publication of content obtained from the System, no changes in or deletion of author attribution, trademark legend or copyright notice may be made.\n\n\\(C\\) State Agency may not upload, post or otherwise make available on the System, or parts thereof, any material protected by copyright, trademark or other proprietary right without the express written permissio",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\reference\\topics\\c_SES_termsOfUse_agency.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\reference\\topics\\c_SES_termsOfUse_agency.md",
      "headings": [
        "State Agency Terms of Use {#xd_62497eaddecba2ef-7f6e56d2-183e1b131ba--7ff9 .concept}",
        "1. Agreement { .section}",
        "2. Definitions { .section}",
        "3. General { .section}",
        "4. Data { .section}",
        "5. Changes { .section}",
        "6. Equipment { .section}",
        "7. State Agency Conduct { .section}",
        "8. Limited Warranty { .section}",
        "9. Limitation of Liability { .section}",
        "10. Indemnification { .section}",
        "11. Suspension and Termination { .section}",
        "12. Trademarks { .section}",
        "13. Third-Party Content { .section}",
        "14. Privacy, Data Retention, and Breach Response { .section}",
        "15. Miscellaneous { .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/reference/topics/c_SES_termsOfUse_agency.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/reference/topics/c_SES_termsOfUse_agency.md:chunk-12",
      "title": "State Agency Terms of Use {#xd_62497eaddecba2ef-7f6e56d2-183e1b131ba--7ff9 .concept}",
      "content": "Agency may not upload, post or otherwise make available on the System, or parts thereof, any material protected by copyright, trademark or other proprietary right without the express written permission of the owner of the copyright, trademark or other proprietary right and the burden of determining that any material is not protected by law rests with State Agency. State Agency will be solely liable for any damage resulting from any infringement of copyrights, proprietary rights, or any other harm resulting from such a submission made by such State Agency.\n\n\\(D\\) The foregoing provisions of Section 7 are for the benefit of SRR, its affiliates and SRR's Third-Party Content Providers and Licensors, and each will have the right to assert and enforce such provisions directly or on its own behalf.\n\n## 8. Limited Warranty { .section}\n\n\\(A\\) SRR REPRESENTS AND WARRANTS THAT THE SERVICES WILL BE PROVIDED IN A REASONABLE AND WORKMANLIKE MANNER, AND THAT IT WILL USE REASONABLE EFFORTS TO MAINTAIN AND KEEP AVAILABLE VIA THE INTERNET, THE SYSTEM, WHICH, FOR PURPOSES OF SECTIONS 8 AND 9 ALSO INCLUDES ALL CONTENT, DATA, INFORMATION AND FUNCTIONS ASSOCIATED WITH OR AVAILABLE THROUGH THE SYSTEM.\n\n\\(B\\) EXCEPT AS EXPRESSLY STATED IN THIS SECTION 8, THE SYSTEM IS PROVIDED “AS IS” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, OTHER THAN THOSE WARRANTIES THAT ARE INCAPABLE OF EXCLUSION, RESTRICTION OR MODIFICATION BY VIRTUE OF THE LAWS APPLICABLE TO THIS AGREEMENT. SRR DOES NOT WARRANT THAT \\(i\\) THE CONTENT, DATA, INFORMATION OR FUNCTIONS ASSOCIATED WITH OR AVAILABLE THROUGH THE SYSTEM WILL BE TIMELY, ACCURATE OR UP-TO-DATE, OR FREE FROM MISTAKES OR ERRORS; OR \\(ii\\) THE OPERATION OR AVAILABILITY OF THE SYSTEM WILL BE UNINTERRUPTED OR ERROR-FREE. SRR DOES NOT PROVIDE ANY SERVICES WITH RESPECT TO VERIFYING, AND WILL NOT BE LIABLE FOR, ANY DATA SUBMITTED BY AN APPLICANT OR BY ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\reference\\topics\\c_SES_termsOfUse_agency.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\reference\\topics\\c_SES_termsOfUse_agency.md",
      "headings": [
        "State Agency Terms of Use {#xd_62497eaddecba2ef-7f6e56d2-183e1b131ba--7ff9 .concept}",
        "1. Agreement { .section}",
        "2. Definitions { .section}",
        "3. General { .section}",
        "4. Data { .section}",
        "5. Changes { .section}",
        "6. Equipment { .section}",
        "7. State Agency Conduct { .section}",
        "8. Limited Warranty { .section}",
        "9. Limitation of Liability { .section}",
        "10. Indemnification { .section}",
        "11. Suspension and Termination { .section}",
        "12. Trademarks { .section}",
        "13. Third-Party Content { .section}",
        "14. Privacy, Data Retention, and Breach Response { .section}",
        "15. Miscellaneous { .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/reference/topics/c_SES_termsOfUse_agency.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/reference/topics/c_SES_termsOfUse_agency.md:chunk-13",
      "title": "State Agency Terms of Use {#xd_62497eaddecba2ef-7f6e56d2-183e1b131ba--7ff9 .concept}",
      "content": "ON OR AVAILABILITY OF THE SYSTEM WILL BE UNINTERRUPTED OR ERROR-FREE. SRR DOES NOT PROVIDE ANY SERVICES WITH RESPECT TO VERIFYING, AND WILL NOT BE LIABLE FOR, ANY DATA SUBMITTED BY AN APPLICANT OR BY A STATE AGENCY, OR FOR ANY OTHER DATA ACCESSIBLE THROUGH THE SYSTEM. STATE AGENCY AGREES THAT IT IS STATE AGENCY'S SOLE RESPONSIBILITY TO REVIEW, VERIFY, QUALIFY AND DETERMINE WHICH APPLICANTS WILL BE APPROVED FOR A LICENSE OR NOT. SRR ONLY WARRANTS THAT THE DATA IS AN ACCURATE REPRESENTATION OF WHAT WAS ENTERED INTO THE SYSTEM BY THE VARIOUS USERS OF THE SYSTEM.\n\n\\(C\\) NOTHING IN THIS SECTION 8 IS INTENDED TO CREATE JOINT AND SEVERAL LIABILITY AMONG STATE AGENCIES USING THE SYSTEM, AND EACH STATE AGENCY WILL REMAIN LIABLE FOR ITS OWN ACTS OR OMISSIONS AND NOT THOSE OF ANOTHER STATE AGENCY, SRR OR THIRD- PARTY USERS OF THE SYSTEM.\n\n## 9. Limitation of Liability { .section}\n\n\\(A\\) IN NO EVENT WILL SRR, ITS AFFILIATES, LICENSORS OR THIRD-PARTY CONTENT PROVIDERS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES ARISING OUT OF THE USE OF OR INABILITY TO USE THE SYSTEM. SRR'S MAXIMUM LIABILITY TO STATE AGENCY FOR ALL DAMAGES ARISING FROM THE USE OF OR INABILITY TO USE THE SYSTEM WILL BE LIMITED TO THE SYSTEM PROCESSING FEES RETAINED BY SRR IN CONNECTION WITH THE SERVICES PROVIDED BY SRR TO STATE AGENCY PURSUANT TO SECTION 3\\(C\\) DURING THE 12-MONTH PERIOD IMMEDIATELY PRECEDING STATE AGENCY'S NOTIFICATION OF SUCH CLAIM.\n\n\\(B\\) WITHOUT LIMITING THE FOREGOING PARAGRAPH IN ANY WAY, THE LIMITATION OF LIABILITY SET OUT IN THIS SECTION 9 APPLIES TO ALL DAMAGES CAUSED BY ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS, COMMUNICATION LINE FAILURE, THEFT OR DESTRUCTION OR UNAUTHORIZED ACCESS TO, ALTERATION OF, OR USE OF A RECORD, DELAY OR INTERRUPTION IN THE TRANSMISSION OF DATA TO THE STATE AGENCY, DISCIPLINARY OR REGULATORY ACTION, REGARDLESS OF THE THEORY OF LIABILITY. S",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\reference\\topics\\c_SES_termsOfUse_agency.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\reference\\topics\\c_SES_termsOfUse_agency.md",
      "headings": [
        "State Agency Terms of Use {#xd_62497eaddecba2ef-7f6e56d2-183e1b131ba--7ff9 .concept}",
        "1. Agreement { .section}",
        "2. Definitions { .section}",
        "3. General { .section}",
        "4. Data { .section}",
        "5. Changes { .section}",
        "6. Equipment { .section}",
        "7. State Agency Conduct { .section}",
        "8. Limited Warranty { .section}",
        "9. Limitation of Liability { .section}",
        "10. Indemnification { .section}",
        "11. Suspension and Termination { .section}",
        "12. Trademarks { .section}",
        "13. Third-Party Content { .section}",
        "14. Privacy, Data Retention, and Breach Response { .section}",
        "15. Miscellaneous { .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/reference/topics/c_SES_termsOfUse_agency.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/reference/topics/c_SES_termsOfUse_agency.md:chunk-14",
      "title": "State Agency Terms of Use {#xd_62497eaddecba2ef-7f6e56d2-183e1b131ba--7ff9 .concept}",
      "content": "HORIZED ACCESS TO, ALTERATION OF, OR USE OF A RECORD, DELAY OR INTERRUPTION IN THE TRANSMISSION OF DATA TO THE STATE AGENCY, DISCIPLINARY OR REGULATORY ACTION, REGARDLESS OF THE THEORY OF LIABILITY. SRR AND ITS AFFILIATES ARE NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE OR ILLEGAL CONDUCT OF OTHER STATE AGENCIES, APPLICANTS OR THIRD PARTIES.\n\n\\(C\\) NOTHING IN SECTIONS 9\\(A\\) OR \\(B\\) LIMITS SRR'S OR LICENSORS' LIABILITY FOR SRR'S OR LICENSORS' INTENTIONAL OR WILFUL MISCONDUCT, UNLAWFUL ACTS, BAD FAITH, OR FRAUDULENT CONDUCT. THE FOREGOING LIMITATION OF LIABILITY ALSO DOES NOT LIMIT SRR'S OR LICENSORS' LIABILITY FOR DEATH, PERSONAL INJURY, OR DAMAGE TO REAL PROPERTY OR ANY OBLIGATIONS OR LIABILITY OF LICENSORS FOR INTELLECTUAL PROPERTY INFRINGEMENT.\n\n## 10. Indemnification { .section}\n\nTo the extent permitted by applicable law, State Agency agrees to defend, indemnify and hold harmless SRR, its affiliates and Licensors and their respective directors, officers, employees and agents from and against all claims and expenses, including attorneys' fees, arising out of the use of the System by State Agency or State Agency's Account.\n\n## 11. Suspension and Termination { .section}\n\n\\(A\\) State Agency may terminate this Agreement for any reason upon thirty \\(30\\) days advance notice to SRR.\n\n\\(B\\) SRR may temporarily suspend the rights granted State Agency pursuant to this Agreement and State Agency's and its Applicant's access to the System in the event of any conduct by State Agency that SRR reasonably determines is jeopardizing the System's integrity or functionality, or in the event of any breach by State Agency of this Agreement. SRR will notify State Agency of such suspension as soon thereafter as practicable.\n\n\\(C\\) SRR may, upon a unanimous vote of the SRR Board of Managers, terminate State Agency's Account, State Agency's participation in and use of the System and this Agreement in the event of any conduct by State Agency that SRR, in its sole determination, considers to",
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      "relative_path": "maps\\SES\\chapter\\bizContent\\reference\\topics\\c_SES_termsOfUse_agency.md",
      "headings": [
        "State Agency Terms of Use {#xd_62497eaddecba2ef-7f6e56d2-183e1b131ba--7ff9 .concept}",
        "1. Agreement { .section}",
        "2. Definitions { .section}",
        "3. General { .section}",
        "4. Data { .section}",
        "5. Changes { .section}",
        "6. Equipment { .section}",
        "7. State Agency Conduct { .section}",
        "8. Limited Warranty { .section}",
        "9. Limitation of Liability { .section}",
        "10. Indemnification { .section}",
        "11. Suspension and Termination { .section}",
        "12. Trademarks { .section}",
        "13. Third-Party Content { .section}",
        "14. Privacy, Data Retention, and Breach Response { .section}",
        "15. Miscellaneous { .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/reference/topics/c_SES_termsOfUse_agency.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/reference/topics/c_SES_termsOfUse_agency.md:chunk-15",
      "title": "State Agency Terms of Use {#xd_62497eaddecba2ef-7f6e56d2-183e1b131ba--7ff9 .concept}",
      "content": "terminate State Agency's Account, State Agency's participation in and use of the System and this Agreement in the event of any conduct by State Agency that SRR, in its sole determination, considers to be unacceptable, or in the event of any breach by State Agency of this Agreement. Such termination will be effective, at the discretion of the SRR Board of Managers, upon a period no less than thirty \\(30\\) days and no more than six \\(6\\) months from the date SRR notifies State Agency of such termination. State Agency may download Applicant Data, Examination Data or Complaint Data that it owns from the System during such period, provided that State Agency pay the reasonable costs associated therewith as determined by the SRR Board of Managers.\n\n\\(D\\) The provisions of Sections 3, 4, 7, 8, 9, 10 and this Section 11 will survive termination of this Agreement.\n\n## 12. Trademarks { .section}\n\n“SRR”, “NMLSR”, “NMLS”, “Nationwide Mortgage Licensing System”, “Nationwide Multistate Licensing System”, “Nationwide Mortgage Licensing System and Registry” and associated logos are trademarks and/or service marks of SRR. All rights reserved.\n\n## 13. Third-Party Content { .section}\n\n\\(A\\) Use of some third-party materials included on the System may be subject to other terms and conditions typically found in a separate license agreement or “Read Me” file located near such materials. SRR is a distributor \\(and not a publisher\\) of content supplied by State Agency and Third-Party Content Providers. Accordingly, SRR has no more editorial control over such content than does a public library, bookstore or newsstand. Any opinions, advice, statements, services, offers, or other information or content expressed or made available by third parties, including information providers, state licensing agencies or any other user of the System, are those of the respective author\\(s\\) or distributor\\(s\\) and not of SRR. Neither SRR nor any Third-Party Content Provider guarantees the accuracy, completen",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\reference\\topics\\c_SES_termsOfUse_agency.md",
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      "headings": [
        "State Agency Terms of Use {#xd_62497eaddecba2ef-7f6e56d2-183e1b131ba--7ff9 .concept}",
        "1. Agreement { .section}",
        "2. Definitions { .section}",
        "3. General { .section}",
        "4. Data { .section}",
        "5. Changes { .section}",
        "6. Equipment { .section}",
        "7. State Agency Conduct { .section}",
        "8. Limited Warranty { .section}",
        "9. Limitation of Liability { .section}",
        "10. Indemnification { .section}",
        "11. Suspension and Termination { .section}",
        "12. Trademarks { .section}",
        "13. Third-Party Content { .section}",
        "14. Privacy, Data Retention, and Breach Response { .section}",
        "15. Miscellaneous { .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/reference/topics/c_SES_termsOfUse_agency.html",
      "snippet": null
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    {
      "id": "maps/SES/chapter/bizContent/reference/topics/c_SES_termsOfUse_agency.md:chunk-16",
      "title": "State Agency Terms of Use {#xd_62497eaddecba2ef-7f6e56d2-183e1b131ba--7ff9 .concept}",
      "content": "gencies or any other user of the System, are those of the respective author\\(s\\) or distributor\\(s\\) and not of SRR. Neither SRR nor any Third-Party Content Provider guarantees the accuracy, completeness, or usefulness of any content, nor its merchantability or fitness for any particular purpose. \\(Refer to Section 8 and 9 above for the complete provisions governing limitation of liabilities and disclaimers of warranty.\\)\n\n\\(B\\) In many instances, the information available through the System represents the opinions and judgments of the respective Third-Party Content Provider, State Agency or other user not under contract with SRR. SRR neither endorses nor is responsible for the accuracy or reliability of any opinion, advice or statement made on the System by anyone other than authorized SRR employee spokespersons while acting in their official capacities. Under no circumstances will SRR be liable for any loss or damage caused by State Agency's reliance on information obtained through the System. It is the responsibility of State Agency to evaluate the accuracy, completeness or usefulness of any information, opinion, advice or other content available through the System. Please seek the advice of professionals, as appropriate, regarding the evaluation of any specific information, opinion, advice or other content.\n\n\\(C\\) The System may contain links to websites operated by persons or entities other than SRR. Such links to other websites, whether to a home page or some other page on a website, are provided for State Agency's reference and convenience only. State Agency agrees not to hold SRR responsible for the content or operation of such websites. A link from the System to another website does not imply or mean that SRR endorses the content on that website or the operator or operations of that website. State Agency is solely responsible for determining the extent to which State Agency may use any content at any other websites to which the System links.\n\n## 14. Privacy",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\reference\\topics\\c_SES_termsOfUse_agency.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\reference\\topics\\c_SES_termsOfUse_agency.md",
      "headings": [
        "State Agency Terms of Use {#xd_62497eaddecba2ef-7f6e56d2-183e1b131ba--7ff9 .concept}",
        "1. Agreement { .section}",
        "2. Definitions { .section}",
        "3. General { .section}",
        "4. Data { .section}",
        "5. Changes { .section}",
        "6. Equipment { .section}",
        "7. State Agency Conduct { .section}",
        "8. Limited Warranty { .section}",
        "9. Limitation of Liability { .section}",
        "10. Indemnification { .section}",
        "11. Suspension and Termination { .section}",
        "12. Trademarks { .section}",
        "13. Third-Party Content { .section}",
        "14. Privacy, Data Retention, and Breach Response { .section}",
        "15. Miscellaneous { .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/reference/topics/c_SES_termsOfUse_agency.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/reference/topics/c_SES_termsOfUse_agency.md:chunk-17",
      "title": "State Agency Terms of Use {#xd_62497eaddecba2ef-7f6e56d2-183e1b131ba--7ff9 .concept}",
      "content": " or operations of that website. State Agency is solely responsible for determining the extent to which State Agency may use any content at any other websites to which the System links.\n\n## 14. Privacy, Data Retention, and Breach Response { .section}\n\n\\(A\\) Applicant Data, Examination Data, and Complaint Data owned by State Agency will be treated by State Agency in accordance with its respective state privacy and public information laws. To the extent permissible by State Agency's state privacy and public information laws, all Applicant Data, Examination Data, and Complaint Data is also subject to the System Privacy Notice. If State Agency receives a public information request seeking Shared Information that is not owned by State Agency \\(as provided for in Section 4\\) State Agency will, to the extent permitted by State Agency's public information laws and 12 U.S.C 5111, either refuse to release the Shared Information that it does not own or notify the other state agencies whose data is subject to the request about the request so that the other state agency may seek a court order enjoining the release of the data if such release would violate the other states' law.\n\n\\(B\\) SRR maintains the System Privacy Notice, which SRR will abide by and may amend from time to time pursuant to its terms. State Agency agrees that, as a result of the potential co-ownership of Applicant Data, Examination Data and Complaint Data, State Agency will not be able to request the destruction of Applicant Data, Examination Data and Complaint Data on the System.\n\n\\(C\\) In the event of a security or privacy breach, State Agency authorizes SRR and SRR agrees to be solely responsible for any notification to affected individuals and any public communications regarding such breach. State Agency will assist SRR in complying with state law and SRR agrees to so comply. State Agency will be responsible, with coordination from SRR, for communications within its respective state agency or government \\(e.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\reference\\topics\\c_SES_termsOfUse_agency.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\reference\\topics\\c_SES_termsOfUse_agency.md",
      "headings": [
        "State Agency Terms of Use {#xd_62497eaddecba2ef-7f6e56d2-183e1b131ba--7ff9 .concept}",
        "1. Agreement { .section}",
        "2. Definitions { .section}",
        "3. General { .section}",
        "4. Data { .section}",
        "5. Changes { .section}",
        "6. Equipment { .section}",
        "7. State Agency Conduct { .section}",
        "8. Limited Warranty { .section}",
        "9. Limitation of Liability { .section}",
        "10. Indemnification { .section}",
        "11. Suspension and Termination { .section}",
        "12. Trademarks { .section}",
        "13. Third-Party Content { .section}",
        "14. Privacy, Data Retention, and Breach Response { .section}",
        "15. Miscellaneous { .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/reference/topics/c_SES_termsOfUse_agency.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/reference/topics/c_SES_termsOfUse_agency.md:chunk-18",
      "title": "State Agency Terms of Use {#xd_62497eaddecba2ef-7f6e56d2-183e1b131ba--7ff9 .concept}",
      "content": "sist SRR in complying with state law and SRR agrees to so comply. State Agency will be responsible, with coordination from SRR, for communications within its respective state agency or government \\(e.g. governor, attorney general\\).\n\n## 15. Miscellaneous { .section}\n\n\\(A\\)\n\n-   \\(1\\) All notices and communications to State Agency hereunder will be deemed to have been duly given and made if sent or made by registered or certified mail \\(return receipt requested\\), fax, or e-mail \\(provided that receipt of the fax or e-mail notice or communication is promptly confirmed by telephone or e-mail confirmation thereof\\) to a designated System administrator appointed by State Agency, using the contact information provided for the System administrator.\n-   \\(2\\) All notices and communications to SRR hereunder must be in writing and will be deemed to have been duly given and made when received if \\(i\\) served by personal delivery upon SRR, \\(ii\\) delivered by registered or certified mail, return receipt requested, to 1129 20th Street N.W., 9th Floor, Washington, D.C. 20036, Attention: SRR President and CEO with a cc to CSBS General Counsel, \\(iii\\) sent by fax to \\(202\\) 296-1928, Attention: SRR President and CEO and CSBS General Counsel or \\(iv\\) sent by e-mail to SRRnotifications@csbs.org, provided that receipt of the fax or e-mail notice or communication is promptly confirmed by telephone or email confirmation thereof.\n\n\\(B\\) All use of the System and the export, re-export or distribution of SRR software products are subject to U.S. economic sanction laws and regulations administered by the U.S. Treasury Office of Foreign Assets Control and other agencies, including the Office of Export Enforcement of the Department of Commerce. These agencies maintain and update lists of prohibited countries and individuals and administer sanctions against U.S. corporations and individuals conducting business with designated entities.\n\n\\(C\\) This Agreement and any letter agreement\\(s\\) bet",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\reference\\topics\\c_SES_termsOfUse_agency.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\reference\\topics\\c_SES_termsOfUse_agency.md",
      "headings": [
        "State Agency Terms of Use {#xd_62497eaddecba2ef-7f6e56d2-183e1b131ba--7ff9 .concept}",
        "1. Agreement { .section}",
        "2. Definitions { .section}",
        "3. General { .section}",
        "4. Data { .section}",
        "5. Changes { .section}",
        "6. Equipment { .section}",
        "7. State Agency Conduct { .section}",
        "8. Limited Warranty { .section}",
        "9. Limitation of Liability { .section}",
        "10. Indemnification { .section}",
        "11. Suspension and Termination { .section}",
        "12. Trademarks { .section}",
        "13. Third-Party Content { .section}",
        "14. Privacy, Data Retention, and Breach Response { .section}",
        "15. Miscellaneous { .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/reference/topics/c_SES_termsOfUse_agency.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/reference/topics/c_SES_termsOfUse_agency.md:chunk-19",
      "title": "State Agency Terms of Use {#xd_62497eaddecba2ef-7f6e56d2-183e1b131ba--7ff9 .concept}",
      "content": "bited countries and individuals and administer sanctions against U.S. corporations and individuals conducting business with designated entities.\n\n\\(C\\) This Agreement and any letter agreement\\(s\\) between SRR and State Agency that explicitly references this Agreement together constitute the entire agreement of the parties with respect to the subject matter hereof, and supersede all previous written or oral agreements between the parties with respect to such subject matter. In the event of any inconsistency or conflict between this Agreement and any such letter agreement, the terms of such letter agreement\\(s\\) will govern.\n\n\\(D\\) This Agreement will be construed in accordance with the laws of the Commonwealth of Virginia, without regard to its conflict of laws rules. The parties hereto also agree that any claim brought under this Agreement may be commenced by SRR or State Agency only in the County of Arlington, Virginia. The parties hereto expressly waive any right to a jury trial.\n\n\\(E\\) No waiver by either party of any breach or default hereunder will be deemed to be a waiver of any preceding or subsequent breach or default.\n\n\\(F\\) If any of the provisions of this Agreement, or the application thereof to any individual, entity or circumstance, is deemed to any extent to be invalid or unenforceable, the remainder of this Agreement, or the application of such terms or provisions to persons or circumstances other than those as to which they are invalid or unenforceable, will not be affected thereby, and each term and provision of this Agreement will be valid and enforceable to the fullest extent permitted by law.\n\n\\(G\\) Except as otherwise set forth in this Agreement, no third party will be entitled to enforce the provisions of this Agreement against the respective parties as third-party beneficiaries thereof. Applicants are not third-party beneficiaries under this Agreement under any circumstances.\n\n\\(H\\) The section headings used herein are for convenience only and",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\reference\\topics\\c_SES_termsOfUse_agency.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\reference\\topics\\c_SES_termsOfUse_agency.md",
      "headings": [
        "State Agency Terms of Use {#xd_62497eaddecba2ef-7f6e56d2-183e1b131ba--7ff9 .concept}",
        "1. Agreement { .section}",
        "2. Definitions { .section}",
        "3. General { .section}",
        "4. Data { .section}",
        "5. Changes { .section}",
        "6. Equipment { .section}",
        "7. State Agency Conduct { .section}",
        "8. Limited Warranty { .section}",
        "9. Limitation of Liability { .section}",
        "10. Indemnification { .section}",
        "11. Suspension and Termination { .section}",
        "12. Trademarks { .section}",
        "13. Third-Party Content { .section}",
        "14. Privacy, Data Retention, and Breach Response { .section}",
        "15. Miscellaneous { .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/reference/topics/c_SES_termsOfUse_agency.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/reference/topics/c_SES_termsOfUse_agency.md:chunk-20",
      "title": "State Agency Terms of Use {#xd_62497eaddecba2ef-7f6e56d2-183e1b131ba--7ff9 .concept}",
      "content": "es as third-party beneficiaries thereof. Applicants are not third-party beneficiaries under this Agreement under any circumstances.\n\n\\(H\\) The section headings used herein are for convenience only and are not be given any legal import.\n\n\\(I\\) This Agreement will be binding upon and inure to the benefit of the parties hereto and their respective successors, legal representatives and permitted assigns. No party to this Agreement may assign any of its rights or delegate any of its obligations under this Agreement, other than to an affiliate, without the prior written consent of the other party hereto.\n\n-   EXHIBIT A - Schedule of System Availability\n-   EXHIBIT B - Schedule of System Requirements\n-   System Privacy Notice.pdf)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\reference\\topics\\c_SES_termsOfUse_agency.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\reference\\topics\\c_SES_termsOfUse_agency.md",
      "headings": [
        "State Agency Terms of Use {#xd_62497eaddecba2ef-7f6e56d2-183e1b131ba--7ff9 .concept}",
        "1. Agreement { .section}",
        "2. Definitions { .section}",
        "3. General { .section}",
        "4. Data { .section}",
        "5. Changes { .section}",
        "6. Equipment { .section}",
        "7. State Agency Conduct { .section}",
        "8. Limited Warranty { .section}",
        "9. Limitation of Liability { .section}",
        "10. Indemnification { .section}",
        "11. Suspension and Termination { .section}",
        "12. Trademarks { .section}",
        "13. Third-Party Content { .section}",
        "14. Privacy, Data Retention, and Breach Response { .section}",
        "15. Miscellaneous { .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/reference/topics/c_SES_termsOfUse_agency.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/reference/topics/c_SES_termsOfUse_industry.md:chunk-0",
      "title": "Industry Terms of Use {#xd_62497eaddecba2ef-7f6e56d2-183e1b131ba--7ffa .concept}",
      "content": "# Industry Terms of Use \n\nState Examination System terms of use for companies.\n\n**This System is for authorized use only. The System usage may be monitored, recorded, read, captured, or subject to audit in any manner by authorized personnel. Accessing and using this System constitutes consent to having System use monitored and recorded. Unauthorized use is prohibited and subject to not only revocation of access but also criminal and/or civil penalties due to violation of Federal and/or State laws. If criminal activity is discovered, the information will be provided to the appropriate law enforcement officials. Suspected access or use violations should be reported to the CSBS Chief Security Officer at security@csbs.org.**\n\n## 1. Agreement { .section}\n\nThis Industry Terms of Use \\(“Agreement”\\) constitutes an agreement between You and State Regulatory Registry LLC \\(“SRR”\\) and governs Your use of the Nationwide Mortgage Licensing System and Registry \\(herein referred to as the “System”, as further defined in Section 2\\). You must obtain a username and password and establish an account \\(“Your Account”\\) in order to access the System. You are responsible for all access to and use of the System under Your username and password.\n\n## 2. Definitions { .section}\n\nThe following terms have the meanings that follow when used in this Agreement:\n\n-   The term “Application” as used in this Agreement means an application for a License or Registration as a Registered Loan Originator through the System.\n-   The term “Data” as used in this Agreement means \\(i\\) any information submitted in connection with Your Application, the renewal or maintenance of a License or a Registration, satisfaction of relevant federal and state mandated testing and education requirements, or any other supervisory or regulatory matter with respect to You, including but not limited to, any examination or complaint; \\(ii\\) information contained in reports of condition submitted by You or on Your behalf purs",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\reference\\topics\\c_SES_termsOfUse_industry.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\reference\\topics\\c_SES_termsOfUse_industry.md",
      "headings": [
        "Industry Terms of Use {#xd_62497eaddecba2ef-7f6e56d2-183e1b131ba--7ffa .concept}",
        "1. Agreement { .section}",
        "2. Definitions { .section}",
        "3. General { .section}",
        "4. Data { .section}",
        "5. Changes { .section}",
        "6. Equipment { .section}",
        "7. Your Conduct { .section}",
        "8. Disclaimer of Warranty; Limitation of Liability { .section}",
        "9. Monitoring { .section}",
        "10. Indemnification { .section}",
        "11. Termination { .section}",
        "12. Trademarks { .section}",
        "13. Third-Party Content { .section}",
        "14. Privacy and Breach Notification { .section}",
        "15. Digital Millennium Copyright Act of 1998 \\(“DMCA”\\) Policy: Copyrights and DMCA Copyright Agent { .section}",
        "16. Miscellaneous { .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/reference/topics/c_SES_termsOfUse_industry.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/reference/topics/c_SES_termsOfUse_industry.md:chunk-1",
      "title": "Industry Terms of Use {#xd_62497eaddecba2ef-7f6e56d2-183e1b131ba--7ffa .concept}",
      "content": "isory or regulatory matter with respect to You, including but not limited to, any examination or complaint; \\(ii\\) information contained in reports of condition submitted by You or on Your behalf pursuant to the **Secure and Fair Enforcement for Mortgage Licensing Act of 2008** \\(12 U.S.C. 5101 et seq.\\) \\(“SAFE Act”\\) and/or other state or federal law, \\(iii\\) the information submitted by a depository institution that employs Registered Loan Originators, and \\(iv\\) any updates to such information, whether permissive or required by law.\n-   The term “License” as used in this Agreement means any license, registration, certificate, designation or exemption or any similar form of authorization granted by a state agency for the purpose of authorizing activities in or relating to a financial services business in such state agency’s state.\n-   The term “Licensor” as used in this Agreement means a third-party contractor who has granted SRR a license to software applications, materials, content or services used in the System. “Licensor” does not include You.\n-   The term “Registered Loan Originator” has the meaning set forth in the SAFE Act.\n-   The term “Registration” as used in this Agreement means registration as a Registered Loan Originator.\n-   The term “Shared Information” as used in this Agreement means Data that is submitted to or through the System and accessible by more than one state and/or federal agency.\n-   The term “System” as used in this Agreement means the Nationwide Mortgage Licensing System and Registry \\(which is also referred to as the Nationwide Multistate Licensing System, the Nationwide Mortgage Licensing System, NMLSR and/or NMLS\\) and any and all examination programs, complaint programs, software applications, materials, content or services accessible thereon as provided by SRR, affiliates of SRR or other third parties.\n-   The term “Third-Party Content Provider” as used in this Agreement means a party other than SRR and You.\n-   The terms “You” a",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\reference\\topics\\c_SES_termsOfUse_industry.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\reference\\topics\\c_SES_termsOfUse_industry.md",
      "headings": [
        "Industry Terms of Use {#xd_62497eaddecba2ef-7f6e56d2-183e1b131ba--7ffa .concept}",
        "1. Agreement { .section}",
        "2. Definitions { .section}",
        "3. General { .section}",
        "4. Data { .section}",
        "5. Changes { .section}",
        "6. Equipment { .section}",
        "7. Your Conduct { .section}",
        "8. Disclaimer of Warranty; Limitation of Liability { .section}",
        "9. Monitoring { .section}",
        "10. Indemnification { .section}",
        "11. Termination { .section}",
        "12. Trademarks { .section}",
        "13. Third-Party Content { .section}",
        "14. Privacy and Breach Notification { .section}",
        "15. Digital Millennium Copyright Act of 1998 \\(“DMCA”\\) Policy: Copyrights and DMCA Copyright Agent { .section}",
        "16. Miscellaneous { .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/reference/topics/c_SES_termsOfUse_industry.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/reference/topics/c_SES_termsOfUse_industry.md:chunk-2",
      "title": "Industry Terms of Use {#xd_62497eaddecba2ef-7f6e56d2-183e1b131ba--7ffa .concept}",
      "content": " thereon as provided by SRR, affiliates of SRR or other third parties.\n-   The term “Third-Party Content Provider” as used in this Agreement means a party other than SRR and You.\n-   The terms “You” and “Your” as used in this Agreement mean you as an individual as well as any corporate or other legal entity on whose behalf you are acting.\n\n## 3. General { .section}\n\n\\(A\\) This Agreement governs use of the System by \\(i\\) You and \\(ii\\) persons controlling, employed by or otherwise acting on Your behalf through Your Account. Your use of the System is conditioned upon Your acceptance, without modification, of all provisions of this Agreement. If You are acting as an agent or employee of another entity, You may only agree to this Agreement and establish an account if You have the legal power and authority to bind your principal or employer, as the case may be. Any information accessed, requested or provided through the System must be accessed, requested and used in accordance with this Agreement. SRR reserves any rights not expressly granted under this Agreement. YOU AGREE THAT THIS AGREEMENT IS ENFORCEABLE LIKE ANY WRITTEN AND FULLY NEGOTIATED AGREEMENT SIGNED BY YOU. IF YOU DO NOT AGREE, DO NOT CLICK “I AGREE” AND DO NOT USE THE SYSTEM.\n\n\\(B\\) Your Account, including Your unique username and password, is not transferable to any other person or entity, as the case may be. You are responsible for all use of Your Account \\(under Your unique username and password\\) and for ensuring that all use of Your Account complies fully with this Agreement. The information provided through the System may be used only for Your own professional use and in accordance with this Agreement, and only for the following specifically identified purposes:\n\n-   \\(1\\) Submitting an Application for a License or Registration.\n-   \\(2\\) Renewing, updating or maintaining a License or Registration.\n-   \\(3\\) Submitting or responding to complaints as permitted by an applicable state or federal agency.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\reference\\topics\\c_SES_termsOfUse_industry.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\reference\\topics\\c_SES_termsOfUse_industry.md",
      "headings": [
        "Industry Terms of Use {#xd_62497eaddecba2ef-7f6e56d2-183e1b131ba--7ffa .concept}",
        "1. Agreement { .section}",
        "2. Definitions { .section}",
        "3. General { .section}",
        "4. Data { .section}",
        "5. Changes { .section}",
        "6. Equipment { .section}",
        "7. Your Conduct { .section}",
        "8. Disclaimer of Warranty; Limitation of Liability { .section}",
        "9. Monitoring { .section}",
        "10. Indemnification { .section}",
        "11. Termination { .section}",
        "12. Trademarks { .section}",
        "13. Third-Party Content { .section}",
        "14. Privacy and Breach Notification { .section}",
        "15. Digital Millennium Copyright Act of 1998 \\(“DMCA”\\) Policy: Copyrights and DMCA Copyright Agent { .section}",
        "16. Miscellaneous { .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/reference/topics/c_SES_termsOfUse_industry.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/reference/topics/c_SES_termsOfUse_industry.md:chunk-3",
      "title": "Industry Terms of Use {#xd_62497eaddecba2ef-7f6e56d2-183e1b131ba--7ffa .concept}",
      "content": " License or Registration.\n-   \\(2\\) Renewing, updating or maintaining a License or Registration.\n-   \\(3\\) Submitting or responding to complaints as permitted by an applicable state or federal agency.\n-   \\(4\\) Participating in a state supervisory examination, investigation or enforcement action.\n-   \\(5\\) Communicating with SRR or a state or federal agency.\n\n\\(C\\) SRR grants You a non-exclusive license to access and use the System for the purposes described herein and for so long as You comply with this Agreement.\n\n\\(D\\) It is Your responsibility to manage Your Account actively and to ensure that \\(a\\) all Data submitted by You or on Your behalf is current and correct, and that all deadlines are met. It is Your responsibility to become familiar with the policies and applicable laws of each state agency and federal agency with which You deal or which otherwise has supervisory or regulatory authority over You or Your activities. In some circumstances, the relevant state agency or federal agency may request additional information about You or supervisory or regulatory matters related to You \\(including, but not limited to, any Application, License, examination or complaint\\). Further, You may be asked as part of or in connection with any supervisory or regulatory matter to disclose information to third parties. In the event of such a disclosure, SRR will not be responsible for the accuracy or content of any information You submit, nor for the use of Your information by any state agency or federal agency or third parties, whether or not the System facilitates the transmission of such information. SRR is not obligated to release to You or any other party any information maintained by a state agency or federal agency or pertaining to any supervisory or regulatory matter \\(including, but not limited to, any Application, License, Registration, examination or complaint\\) without the consent of the relevant state and federal agency or agencies.\n\n\\(E\\) You acknowledge and agr",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\reference\\topics\\c_SES_termsOfUse_industry.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\reference\\topics\\c_SES_termsOfUse_industry.md",
      "headings": [
        "Industry Terms of Use {#xd_62497eaddecba2ef-7f6e56d2-183e1b131ba--7ffa .concept}",
        "1. Agreement { .section}",
        "2. Definitions { .section}",
        "3. General { .section}",
        "4. Data { .section}",
        "5. Changes { .section}",
        "6. Equipment { .section}",
        "7. Your Conduct { .section}",
        "8. Disclaimer of Warranty; Limitation of Liability { .section}",
        "9. Monitoring { .section}",
        "10. Indemnification { .section}",
        "11. Termination { .section}",
        "12. Trademarks { .section}",
        "13. Third-Party Content { .section}",
        "14. Privacy and Breach Notification { .section}",
        "15. Digital Millennium Copyright Act of 1998 \\(“DMCA”\\) Policy: Copyrights and DMCA Copyright Agent { .section}",
        "16. Miscellaneous { .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/reference/topics/c_SES_termsOfUse_industry.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/reference/topics/c_SES_termsOfUse_industry.md:chunk-4",
      "title": "Industry Terms of Use {#xd_62497eaddecba2ef-7f6e56d2-183e1b131ba--7ffa .concept}",
      "content": "cluding, but not limited to, any Application, License, Registration, examination or complaint\\) without the consent of the relevant state and federal agency or agencies.\n\n\\(E\\) You acknowledge and agree that \\(i\\) SRR is providing a service for the state agencies and federal agencies that participate in the System, \\(ii\\) SRR is not responsible for any decisions made by any state agency or federal agency in connection with any Application, any renewal, update or maintenance of a License or Registration, or any other supervisory or regulatory matter \\(including but not limited to, any examination or complaint\\) with respect to You, and that SRR has no authority to alter or waive any requirement of any participating state agency or federal agency, \\(iii\\) SRR’s role in the collection and storage of information through the System does not mean that SRR is Your agent and \\(iv\\) SRR does not have any responsibility for such information or any use thereof by the state agencies, federal agencies or third parties other than as expressly set out in this Agreement.\n\n\\(F\\) The System is operated within the United States of America. SRR makes no representation that the System is appropriate for use at locations outside the United States. Access to the System from jurisdictions where the System is illegal is prohibited. If You access the System from a location outside the United States, You are responsible for compliance with all local laws.\n\n\\(G\\) SRR makes no guaranty regarding the future participation of any state agency or federal agency in the System.\n\n\\(H\\) You are responsible for protecting the confidentiality of login credentials \\(including without limitation usernames and passwords\\). Each individual accessing the System must do so with unique login credentials that can be used only by that individual. You agree to notify SRR immediately if You become aware of the loss, theft or unauthorized use of Your username or password, or any unauthorized access to or use of the ",
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      "relative_path": "maps\\SES\\chapter\\bizContent\\reference\\topics\\c_SES_termsOfUse_industry.md",
      "headings": [
        "Industry Terms of Use {#xd_62497eaddecba2ef-7f6e56d2-183e1b131ba--7ffa .concept}",
        "1. Agreement { .section}",
        "2. Definitions { .section}",
        "3. General { .section}",
        "4. Data { .section}",
        "5. Changes { .section}",
        "6. Equipment { .section}",
        "7. Your Conduct { .section}",
        "8. Disclaimer of Warranty; Limitation of Liability { .section}",
        "9. Monitoring { .section}",
        "10. Indemnification { .section}",
        "11. Termination { .section}",
        "12. Trademarks { .section}",
        "13. Third-Party Content { .section}",
        "14. Privacy and Breach Notification { .section}",
        "15. Digital Millennium Copyright Act of 1998 \\(“DMCA”\\) Policy: Copyrights and DMCA Copyright Agent { .section}",
        "16. Miscellaneous { .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/reference/topics/c_SES_termsOfUse_industry.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/reference/topics/c_SES_termsOfUse_industry.md:chunk-5",
      "title": "Industry Terms of Use {#xd_62497eaddecba2ef-7f6e56d2-183e1b131ba--7ffa .concept}",
      "content": " used only by that individual. You agree to notify SRR immediately if You become aware of the loss, theft or unauthorized use of Your username or password, or any unauthorized access to or use of the System or any information submitted to, contained in or downloaded from the System or provided to You by SRR.\n\n## 4. Data { .section}\n\n\\(A\\) For purposes of this Agreement, Data submitted or released to a state agency and/or federal agency will be considered to be under that state agency’s and/or federal agency’s control. If Data is submitted or released to more than one state agency or federal agency, then such Data will be considered to be under the control of each such agency. SRR will not be required to correct or alter any Data unless all state agencies and/or federal agencies that have control of such Data consent to such change.\n\n\\(B\\) A state and/or federal agency will, after expiration of the License granted by such state agency, the expiration of a Registration, or the completion of any other supervisory or regulatory matter continue to have access to the Data.\n\n\\(C\\) Every state agency participating in the System will have access to a subset of Data that is Shared Information. Every federal agency participating in the System will have access to a subset of Data concerning Registered Loan Originators that is Shared Information. Every state agency and federal agency participating in the System will have access to Data for applicants that hold a License and a Registration either concurrently or consecutively.\n\n\\(D\\) SRR will retain all Data in the System for a minimum of five \\(5\\) years after such time that You no longer hold a valid License, maintain a Registration, or have any other supervisory or regulatory matters \\(including but not limited to examinations or complaints\\) relevant to You through or in the System.\n\n\\(E\\) SRR may collect and manipulate Data for the purpose of disseminating Data aggregated on a state, regional or national level. SRR may also ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\reference\\topics\\c_SES_termsOfUse_industry.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\reference\\topics\\c_SES_termsOfUse_industry.md",
      "headings": [
        "Industry Terms of Use {#xd_62497eaddecba2ef-7f6e56d2-183e1b131ba--7ffa .concept}",
        "1. Agreement { .section}",
        "2. Definitions { .section}",
        "3. General { .section}",
        "4. Data { .section}",
        "5. Changes { .section}",
        "6. Equipment { .section}",
        "7. Your Conduct { .section}",
        "8. Disclaimer of Warranty; Limitation of Liability { .section}",
        "9. Monitoring { .section}",
        "10. Indemnification { .section}",
        "11. Termination { .section}",
        "12. Trademarks { .section}",
        "13. Third-Party Content { .section}",
        "14. Privacy and Breach Notification { .section}",
        "15. Digital Millennium Copyright Act of 1998 \\(“DMCA”\\) Policy: Copyrights and DMCA Copyright Agent { .section}",
        "16. Miscellaneous { .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/reference/topics/c_SES_termsOfUse_industry.html",
      "snippet": null
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    {
      "id": "maps/SES/chapter/bizContent/reference/topics/c_SES_termsOfUse_industry.md:chunk-6",
      "title": "Industry Terms of Use {#xd_62497eaddecba2ef-7f6e56d2-183e1b131ba--7ffa .concept}",
      "content": "complaints\\) relevant to You through or in the System.\n\n\\(E\\) SRR may collect and manipulate Data for the purpose of disseminating Data aggregated on a state, regional or national level. SRR may also copy, process, store and distribute Data consistent with SRR’s performance of its obligations to the state agencies and federal agencies participating in the System. Data may be checked against other state and federal regulatory agency databases, the Social Security Administration or financial services or securities industry self-regulatory organization databases, or commercial databases, and Data may be shared with relevant state agencies and/or federal agencies and financial services or securities industry self- regulatory organizations. You grant SRR the right to use Your contact information from time to time for the purposes of issuing communications concerning the System to You.\n\n\\(F\\) You acknowledge and agree that certain Data submitted through the System may be accessed publicly, including but not limited to:\n\n-   License \\# by jurisdiction\n-   License name by jurisdiction\n-   License status by jurisdiction\n-   Business phone\n-   Business fax\n-   Business e-mail address\n-   Web address\n-   Other names \\(other than legal name\\)\n-   Employment history\n-   Sponsorship of license \\(companies that have sponsored individuals\\)\n-   Disclosure questions\n-   Regulatory actions\n\n\\(G\\) SRR has no obligation with respect to any third party’s use of data accessed through the System. SRR, or a state and/or federal agency controlling Data, may disclose Data in response to a request by law enforcement or by a legally sanctioned investigatory authority or otherwise through legal process or under law.\n\n\\(H\\) You may direct SRR to provide access to your record in the System to companies You wish to be associated with for employment purposes. Your authorization of such access grants a company permission to \\(a\\) view, manage, monitor, and/or receive reports or updates of any compon",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\reference\\topics\\c_SES_termsOfUse_industry.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\reference\\topics\\c_SES_termsOfUse_industry.md",
      "headings": [
        "Industry Terms of Use {#xd_62497eaddecba2ef-7f6e56d2-183e1b131ba--7ffa .concept}",
        "1. Agreement { .section}",
        "2. Definitions { .section}",
        "3. General { .section}",
        "4. Data { .section}",
        "5. Changes { .section}",
        "6. Equipment { .section}",
        "7. Your Conduct { .section}",
        "8. Disclaimer of Warranty; Limitation of Liability { .section}",
        "9. Monitoring { .section}",
        "10. Indemnification { .section}",
        "11. Termination { .section}",
        "12. Trademarks { .section}",
        "13. Third-Party Content { .section}",
        "14. Privacy and Breach Notification { .section}",
        "15. Digital Millennium Copyright Act of 1998 \\(“DMCA”\\) Policy: Copyrights and DMCA Copyright Agent { .section}",
        "16. Miscellaneous { .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/reference/topics/c_SES_termsOfUse_industry.html",
      "snippet": null
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    {
      "id": "maps/SES/chapter/bizContent/reference/topics/c_SES_termsOfUse_industry.md:chunk-7",
      "title": "Industry Terms of Use {#xd_62497eaddecba2ef-7f6e56d2-183e1b131ba--7ffa .concept}",
      "content": "es You wish to be associated with for employment purposes. Your authorization of such access grants a company permission to \\(a\\) view, manage, monitor, and/or receive reports or updates of any component of Your individual record or Your individual record in its entirety, in any form or format, which includes, but is not limited to, any non-public and/or sensitive personally identifiable information contained in Your record; and/or \\(b\\) submit a filing of Your individual record on your behalf to a regulatory agency.\n\n\\(I\\) If You are licensed by a state agency or seeking licensure by a state agency, You may elect to use the System for purposes of obtaining an electronic surety bond and providing such bond \\(and any subsequent changes thereto\\) to the applicable state agency. When You elect to use this System functionality, You understand that You are directing SRR to provide access to certain information contained within Your Data to surety bond companies or their producers who are utilizing the System for purposes of issuing such bonds. You agree that by using the System for purposes of obtaining an electronic bond, You are granting these surety bond companies and their producers access to:\n\n-   \\(a\\) Your publicly available Data described in subsection \\(F\\); and\n-   \\(b\\) information about the jurisdictions in which You have applications for licensure pending. Surety bond companies or producers utilizing the System for purposes of issuing requested electronic bonds may also request You to provide them with certain additional information through the System, but only to the extent that such information is necessary for them to complete the particular surety bond form required by the state agency.\n\n\\(J\\) **Privacy Act of 1974** Notice. In order to obtain or maintain an account on the System, You may be required to disclose Your social security number. The state or federal agency \\(or agencies\\) to whom You submit this information may share it with other state or fe",
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      "relative_path": "maps\\SES\\chapter\\bizContent\\reference\\topics\\c_SES_termsOfUse_industry.md",
      "headings": [
        "Industry Terms of Use {#xd_62497eaddecba2ef-7f6e56d2-183e1b131ba--7ffa .concept}",
        "1. Agreement { .section}",
        "2. Definitions { .section}",
        "3. General { .section}",
        "4. Data { .section}",
        "5. Changes { .section}",
        "6. Equipment { .section}",
        "7. Your Conduct { .section}",
        "8. Disclaimer of Warranty; Limitation of Liability { .section}",
        "9. Monitoring { .section}",
        "10. Indemnification { .section}",
        "11. Termination { .section}",
        "12. Trademarks { .section}",
        "13. Third-Party Content { .section}",
        "14. Privacy and Breach Notification { .section}",
        "15. Digital Millennium Copyright Act of 1998 \\(“DMCA”\\) Policy: Copyrights and DMCA Copyright Agent { .section}",
        "16. Miscellaneous { .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/reference/topics/c_SES_termsOfUse_industry.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/reference/topics/c_SES_termsOfUse_industry.md:chunk-8",
      "title": "Industry Terms of Use {#xd_62497eaddecba2ef-7f6e56d2-183e1b131ba--7ffa .concept}",
      "content": " account on the System, You may be required to disclose Your social security number. The state or federal agency \\(or agencies\\) to whom You submit this information may share it with other state or federal agencies.\n\n## 5. Changes { .section}\n\n\\(A\\) SRR reserves the right to change this Agreement and other guidelines or rules posted on the System \\(including the System Privacy Notice.pdf)\\) from time to time at its sole discretion. SRR will provide notice of material changes to this Agreement at the resource center and will send an e-mail to You notifying of such changes. The most current form of these terms will be available at http://mortgage.nationwidelicensingsystem.org/about/Pages/Policies.aspx. Your access and/or use of the System constitutes Your acknowledgement and acceptance of the terms of this Agreement as they may exist at the time of such access or use. You should periodically check the “Applicant Agreement” link on the home or login page to view the then-current terms. SRR does not accept or advocate alternative means of accessing or logging into the System; if You do access or log-into the System from a means other than the login page and method provided by SRR, You may be at risk of not receiving periodic notices that are made available by SRR to System users on \\(or associated with\\) the SRR-provided login page and method \\(e.g., notices of a change to the terms of this Agreement\\). If You nonetheless use such an alternative means of accessing or logging into the System, then such access and/or use of the System constitutes Your acknowledgement and acceptance of the terms of this Agreement as they may exist at the time of such access or use.\n\n\\(B\\) SRR has the right at any time without notice or obligation to You to change or discontinue any aspect or feature of the System, including, but not limited to, functionality, content, hours of availability, and equipment needed for access or use.\n\n\\(C\\) This Agreement may be altered or amended only in writ",
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      "headings": [
        "Industry Terms of Use {#xd_62497eaddecba2ef-7f6e56d2-183e1b131ba--7ffa .concept}",
        "1. Agreement { .section}",
        "2. Definitions { .section}",
        "3. General { .section}",
        "4. Data { .section}",
        "5. Changes { .section}",
        "6. Equipment { .section}",
        "7. Your Conduct { .section}",
        "8. Disclaimer of Warranty; Limitation of Liability { .section}",
        "9. Monitoring { .section}",
        "10. Indemnification { .section}",
        "11. Termination { .section}",
        "12. Trademarks { .section}",
        "13. Third-Party Content { .section}",
        "14. Privacy and Breach Notification { .section}",
        "15. Digital Millennium Copyright Act of 1998 \\(“DMCA”\\) Policy: Copyrights and DMCA Copyright Agent { .section}",
        "16. Miscellaneous { .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/reference/topics/c_SES_termsOfUse_industry.html",
      "snippet": null
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    {
      "id": "maps/SES/chapter/bizContent/reference/topics/c_SES_termsOfUse_industry.md:chunk-9",
      "title": "Industry Terms of Use {#xd_62497eaddecba2ef-7f6e56d2-183e1b131ba--7ffa .concept}",
      "content": "eature of the System, including, but not limited to, functionality, content, hours of availability, and equipment needed for access or use.\n\n\\(C\\) This Agreement may be altered or amended only in writing by SRR.\n\n## 6. Equipment { .section}\n\nYou are responsible for obtaining and maintaining all equipment required for access to and use of the System and all charges and costs related thereto. These equipment requirements are published on the Schedule of System Requirements \\(accessible at http://mortgage.nationwidelicensingsystem.org/about/Pages/TechnicalRequirements.aspx\\) and may be amended from time to time.\n\n## 7. Your Conduct { .section}\n\n\\(A\\) You may use the System for lawful purposes only. You may not post or transmit through the System any material that violates or infringes in any way upon the rights of others, that is unlawful, threatening, abusive, defamatory, invasive of privacy or publicity rights, vulgar, obscene, profane or otherwise objectionable, that encourages conduct that would constitute a criminal offense, give rise to civil liability to SRR or otherwise violate any law, or that, without SRR’s express prior written approval, contains advertising or any solicitation with respect to products or services. Any conduct by You that, in SRR’s sole determination, restricts or inhibits any other user from using or enjoying the System will not be permitted. Unless otherwise specifically set forth herein, You may not use the System, or the content contained therein or obtained therefrom, to advertise or perform any commercial solicitation. In no event may You offer to others any content of any kind retrieved from the System. You agree that You will not use content of any kind retrieved from the System to develop or create a database to be sold, leased, furnished, licensed or made otherwise available \\(either commercially or free of charge\\). You agree that You will not use, or allow others to use, any data mining, robots, or similar data gathering and extr",
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      "headings": [
        "Industry Terms of Use {#xd_62497eaddecba2ef-7f6e56d2-183e1b131ba--7ffa .concept}",
        "1. Agreement { .section}",
        "2. Definitions { .section}",
        "3. General { .section}",
        "4. Data { .section}",
        "5. Changes { .section}",
        "6. Equipment { .section}",
        "7. Your Conduct { .section}",
        "8. Disclaimer of Warranty; Limitation of Liability { .section}",
        "9. Monitoring { .section}",
        "10. Indemnification { .section}",
        "11. Termination { .section}",
        "12. Trademarks { .section}",
        "13. Third-Party Content { .section}",
        "14. Privacy and Breach Notification { .section}",
        "15. Digital Millennium Copyright Act of 1998 \\(“DMCA”\\) Policy: Copyrights and DMCA Copyright Agent { .section}",
        "16. Miscellaneous { .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/reference/topics/c_SES_termsOfUse_industry.html",
      "snippet": null
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    {
      "id": "maps/SES/chapter/bizContent/reference/topics/c_SES_termsOfUse_industry.md:chunk-10",
      "title": "Industry Terms of Use {#xd_62497eaddecba2ef-7f6e56d2-183e1b131ba--7ffa .concept}",
      "content": "ed, licensed or made otherwise available \\(either commercially or free of charge\\). You agree that You will not use, or allow others to use, any data mining, robots, or similar data gathering and extraction methods to monitor or copy the System in bulk, or to make voluminous, excessive or repetitive requests for information. You further agree that You will not use any device, software or routine to bypass any software or hardware that prohibits volume requests for information, You will not interfere with or attempt to interfere with the proper working of the System, and You will not take any action that imposes an unreasonable or disproportionately large load on the System.\n\n\\(B\\) The System contains copyrighted material, trademarks and other proprietary information. SRR, the relevant state agencies and federal agencies or SRR’s Licensors own all copyright in the selection, coordination, arrangement and enhancement of such information and data, as well as in some or all of the content original to it. The System contains links to and accesses proprietary databases of SRR and third parties and employs proprietary software of SRR and third parties. The software applications, materials or services accessible through the System are created by or on behalf of SRR, the state agencies and/or the federal agencies. You may not modify, publish, transmit, participate in the transfer or sale, create derivative works, or in any way exploit, any of the software applications, materials or services hosted on or obtained from the System, in whole or in part. You may download content from the System, the state agencies and/or the federal agencies for Your personal and professional use only and only to the extent permitted by this Agreement. Any information or content You download from the System or receive from SRR must be protected using the appropriate security measures and may not be retained longer than necessary to achieve the purposes outlined in herein. Except as otherwise expr",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\reference\\topics\\c_SES_termsOfUse_industry.md",
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      "headings": [
        "Industry Terms of Use {#xd_62497eaddecba2ef-7f6e56d2-183e1b131ba--7ffa .concept}",
        "1. Agreement { .section}",
        "2. Definitions { .section}",
        "3. General { .section}",
        "4. Data { .section}",
        "5. Changes { .section}",
        "6. Equipment { .section}",
        "7. Your Conduct { .section}",
        "8. Disclaimer of Warranty; Limitation of Liability { .section}",
        "9. Monitoring { .section}",
        "10. Indemnification { .section}",
        "11. Termination { .section}",
        "12. Trademarks { .section}",
        "13. Third-Party Content { .section}",
        "14. Privacy and Breach Notification { .section}",
        "15. Digital Millennium Copyright Act of 1998 \\(“DMCA”\\) Policy: Copyrights and DMCA Copyright Agent { .section}",
        "16. Miscellaneous { .section}"
      ],
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      "snippet": null
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      "id": "maps/SES/chapter/bizContent/reference/topics/c_SES_termsOfUse_industry.md:chunk-11",
      "title": "Industry Terms of Use {#xd_62497eaddecba2ef-7f6e56d2-183e1b131ba--7ffa .concept}",
      "content": " System or receive from SRR must be protected using the appropriate security measures and may not be retained longer than necessary to achieve the purposes outlined in herein. Except as otherwise expressly permitted by law, no copying, redistribution, retransmission, publication or commercial exploitation of downloaded material will be permitted without the express written permission of SRR and, if applicable, the owner of any proprietary rights in such material. In the event of any permitted copying, redistribution or publication of content obtained from the System, no changes in or deletion of author attribution, trademark legend or copyright notice may be made. You acknowledge that You do not acquire any ownership rights by downloading material from the System.\n\n\\(C\\) You may not upload, post or otherwise make available on the System any material protected by copyright, trademark or other proprietary right without the express written permission of the owner of the copyright, trademark or other proprietary right and the burden of determining that any material is not protected by law rests with You. You will be solely liable for any damage resulting from any infringement of copyrights, proprietary rights, or any other harm resulting from such a submission. By submitting material to the System, You automatically grant to, or warrant that the owner of such material has expressly granted, SRR a royalty-free, perpetual, irrevocable, non-exclusive, unlimited right and license to use, reproduce, modify, adapt, publish, translate and distribute such material \\(in whole or in part\\) worldwide and/or to incorporate it in other works in any form, media or technology now known or hereafter developed for the full term of any copyright or other right that may exist in such material. You hereby grant SRR the rights to edit, copy, publish and distribute any material made available on the System by You or on Your behalf.\n\n\\(D\\) The foregoing provisions of Section 7 are for the ben",
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        "1. Agreement { .section}",
        "2. Definitions { .section}",
        "3. General { .section}",
        "4. Data { .section}",
        "5. Changes { .section}",
        "6. Equipment { .section}",
        "7. Your Conduct { .section}",
        "8. Disclaimer of Warranty; Limitation of Liability { .section}",
        "9. Monitoring { .section}",
        "10. Indemnification { .section}",
        "11. Termination { .section}",
        "12. Trademarks { .section}",
        "13. Third-Party Content { .section}",
        "14. Privacy and Breach Notification { .section}",
        "15. Digital Millennium Copyright Act of 1998 \\(“DMCA”\\) Policy: Copyrights and DMCA Copyright Agent { .section}",
        "16. Miscellaneous { .section}"
      ],
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      "title": "Industry Terms of Use {#xd_62497eaddecba2ef-7f6e56d2-183e1b131ba--7ffa .concept}",
      "content": ". You hereby grant SRR the rights to edit, copy, publish and distribute any material made available on the System by You or on Your behalf.\n\n\\(D\\) The foregoing provisions of Section 7 are for the benefit of SRR, its affiliates and its Third- Party Content Providers and Licensors and the state agencies and federal agencies participating in the System, and each will have the right to assert and enforce such provisions directly or on its own behalf.\n\n## 8. Disclaimer of Warranty; Limitation of Liability { .section}\n\n\\(A\\) USE OF THE SYSTEM IS AT YOUR SOLE RISK. SRR, ITS AFFILIATES, THIRD- PARTY CONTENT PROVIDERS, LICENSORS AND THE STATE AGENCIES AND FEDERAL AGENCIES PARTICIPATING IN THE SYSTEM AND THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES AND AGENTS MAKE NO WARRANTY \\(i\\) THAT THE SYSTEM WILL BE UNINTERRUPTED OR ERROR-FREE; \\(ii\\) AS TO THE RESULTS THAT MAY BE OBTAINED FROM USE OF THE SYSTEM OR \\(iii\\) AS TO THE ACCURACY, RELIABILITY OR CONTENT OF ANY INFORMATION, SERVICE, OR MATERIALS PROVIDED THROUGH THE SYSTEM, OR ANY PART THEREOF, INCLUDING THE SAFE MORTGAGE LOAN ORIGINATOR TEST NATIONAL AND STATE COMPONENTS.\n\n\\(B\\) THE SYSTEM, INCLUDING THE SAFE MORTGAGE LOAN ORIGINATOR TEST NATIONAL AND STATE COMPONENTS, IS PROVIDED “AS IS” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF TITLE OR IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, OTHER THAN THOSE WARRANTIES THAT ARE IMPLIED BY AND INCAPABLE OF EXCLUSION, RESTRICTION OR MODIFICATION BY VIRTUE OF THE LAWS APPLICABLE TO THIS AGREEMENT.\n\n\\(C\\) THIS DISCLAIMER OF LIABILITY APPLIES TO ANY DAMAGES OR INJURY CAUSED BY ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS, COMMUNICATION LINE FAILURE, THEFT OR DESTRUCTION OR UNAUTHORIZED ACCESS TO, ALTERATION OF, OR USE OF RECORD, WHETHER FOR BREACH OF CONTRACT, TORTIOUS BEHAVIOR, NEGLIGENCE, OR UNDER ANY OTHER C",
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      "headings": [
        "Industry Terms of Use {#xd_62497eaddecba2ef-7f6e56d2-183e1b131ba--7ffa .concept}",
        "1. Agreement { .section}",
        "2. Definitions { .section}",
        "3. General { .section}",
        "4. Data { .section}",
        "5. Changes { .section}",
        "6. Equipment { .section}",
        "7. Your Conduct { .section}",
        "8. Disclaimer of Warranty; Limitation of Liability { .section}",
        "9. Monitoring { .section}",
        "10. Indemnification { .section}",
        "11. Termination { .section}",
        "12. Trademarks { .section}",
        "13. Third-Party Content { .section}",
        "14. Privacy and Breach Notification { .section}",
        "15. Digital Millennium Copyright Act of 1998 \\(“DMCA”\\) Policy: Copyrights and DMCA Copyright Agent { .section}",
        "16. Miscellaneous { .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/reference/topics/c_SES_termsOfUse_industry.html",
      "snippet": null
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      "id": "maps/SES/chapter/bizContent/reference/topics/c_SES_termsOfUse_industry.md:chunk-13",
      "title": "Industry Terms of Use {#xd_62497eaddecba2ef-7f6e56d2-183e1b131ba--7ffa .concept}",
      "content": " VIRUS, COMMUNICATION LINE FAILURE, THEFT OR DESTRUCTION OR UNAUTHORIZED ACCESS TO, ALTERATION OF, OR USE OF RECORD, WHETHER FOR BREACH OF CONTRACT, TORTIOUS BEHAVIOR, NEGLIGENCE, OR UNDER ANY OTHER CAUSE OF ACTION. YOU SPECIFICALLY ACKNOWLEDGE THAT SRR, ITS AFFILIATES, THIRD-PARTY CONTENT PROVIDERS, LICENSORS AND THE STATE AGENCIES AND FEDERAL AGENCIES PARTICIPATING IN THE SYSTEM AND THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES AND AGENTS ARE NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE OR ILLEGAL CONDUCT OF OTHER USERS OR ANYONE ELSE AND THAT THE RISK OF INJURY FROM THE FOREGOING RESTS ENTIRELY WITH YOU.\n\n\\(D\\) IN NO EVENT WILL SRR, ITS AFFILIATES, THIRD-PARTY CONTENT PROVIDERS, LICENSORS AND THE STATE AGENCIES AND FEDERAL AGENCIES PARTICIPATING IN THE SYSTEM AND THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES AND AGENTS, OR ANY PERSON OR ENTITY INVOLVED IN CREATING, PRODUCING OR DISTRIBUTING THE SYSTEM OR SOFTWARE UNDERLYING THE SYSTEM BE LIABLE FOR ANY DAMAGES, INCLUDING, WITHOUT LIMITATION, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES ARISING OUT OF THE USE OF OR INABILITY TO USE THE SYSTEM. YOU HEREBY ACKNOWLEDGE THAT THE PROVISIONS OF THIS SECTION APPLY TO ALL CONTENT ON, AND SERVICES PROVIDED THROUGH, THE SYSTEM INCLUDING THE SAFE MORTGAGE LOAN ORIGINATOR TEST NATIONAL AND STATE COMPONENTS. IN ADDITION TO THE TERMS SET FORTH ABOVE, SRR, ITS AFFILIATES, THIRD- PARTY CONTENT PROVIDERS, LICENSORS AND THE STATE AGENCIES AND FEDERAL AGENCIES PARTICIPATING IN THE SYSTEM AND THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES AND AGENTS WILL NOT BE LIABLE, REGARDLESS OF THE CAUSE OR DURATION, FOR ANY ERRORS, INACCURACIES, OMISSIONS, OR OTHER DEFECTS IN, OR UNTIMELINESS OR UNAUTHENTICITY OF, THE INFORMATION CONTAINED WITHIN THE SYSTEM, INCLUDING THE SAFE MORTGAGE LOAN ORIGINATOR TEST NATIONAL AND STATE COMPONENTS, OR FOR ANY DELAY OR INTERRUPTION IN THE TRANSMISSION THEREOF TO YOU, OR FOR ANY CLAIMS OR LOSSES ARISING THEREFROM OR OCCASIONED TH",
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      "headings": [
        "Industry Terms of Use {#xd_62497eaddecba2ef-7f6e56d2-183e1b131ba--7ffa .concept}",
        "1. Agreement { .section}",
        "2. Definitions { .section}",
        "3. General { .section}",
        "4. Data { .section}",
        "5. Changes { .section}",
        "6. Equipment { .section}",
        "7. Your Conduct { .section}",
        "8. Disclaimer of Warranty; Limitation of Liability { .section}",
        "9. Monitoring { .section}",
        "10. Indemnification { .section}",
        "11. Termination { .section}",
        "12. Trademarks { .section}",
        "13. Third-Party Content { .section}",
        "14. Privacy and Breach Notification { .section}",
        "15. Digital Millennium Copyright Act of 1998 \\(“DMCA”\\) Policy: Copyrights and DMCA Copyright Agent { .section}",
        "16. Miscellaneous { .section}"
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      "html_link": "/docs/maps/SES/chapter/bizContent/reference/topics/c_SES_termsOfUse_industry.html",
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      "id": "maps/SES/chapter/bizContent/reference/topics/c_SES_termsOfUse_industry.md:chunk-14",
      "title": "Industry Terms of Use {#xd_62497eaddecba2ef-7f6e56d2-183e1b131ba--7ffa .concept}",
      "content": "HE SAFE MORTGAGE LOAN ORIGINATOR TEST NATIONAL AND STATE COMPONENTS, OR FOR ANY DELAY OR INTERRUPTION IN THE TRANSMISSION THEREOF TO YOU, OR FOR ANY CLAIMS OR LOSSES ARISING THEREFROM OR OCCASIONED THEREBY OR FOR ANY DISCIPLINARY OR REGULATORY ACTION TAKEN THEREUPON. SRR, ITS AFFILIATES, THIRD-PARTY CONTENT PROVIDERS, LICENSORS AND THE STATE AGENCIES AND FEDERAL AGENCIES PARTICIPATING IN THE SYSTEM AND THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES AND AGENTS WILL NOT BE LIABLE FOR ANY THIRD-PARTY CLAIMS OR LOSSES OF ANY NATURE, INCLUDING, BUT NOT LIMITED TO, LOST PROFITS, PUNITIVE OR CONSEQUENTIAL DAMAGES. SRR, ITS AFFILIATES, THIRD-PARTY CONTENT PROVIDERS, LICENSORS AND THE STATE AGENCIES AND FEDERAL AGENCIES PARTICIPATING IN THE SYSTEM AND THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES AND AGENTS DO NOT WARRANT OR GUARANTEE THE TIMELINESS, SEQUENCE, ACCURACY OR COMPLETENESS OF INFORMATION AVAILABLE THROUGH THE SYSTEM INCLUDING THE SAFE MORTGAGE LOAN ORIGINATOR TEST NATIONAL AND STATE COMPONENTS.\n\n\\(E\\) The foregoing provisions of Section 8 are for the benefit of SRR, its affiliates and its Third- Party Content Providers and Licensors and the state agencies and federal agencies participating in the System, and each will have the right to assert and enforce such provisions directly or on its own behalf.\n\n## 9. Monitoring { .section}\n\nSRR has the right, but not the obligation, to monitor the content of the System, including chat rooms and forums, to determine compliance with this Agreement and any other rules established by SRR and to satisfy any law, statutes, regulations, guidelines or authorized government request. SRR has the right in its sole discretion to edit, refuse to post or remove any material submitted to or posted on the System. Without limiting the foregoing, SRR has the right to remove any material that SRR, in its sole discretion, finds to be in violation of this Agreement.\n\n## 10. Indemnification { .section}\n\nYou agree to defend, indemnify and hol",
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      "headings": [
        "Industry Terms of Use {#xd_62497eaddecba2ef-7f6e56d2-183e1b131ba--7ffa .concept}",
        "1. Agreement { .section}",
        "2. Definitions { .section}",
        "3. General { .section}",
        "4. Data { .section}",
        "5. Changes { .section}",
        "6. Equipment { .section}",
        "7. Your Conduct { .section}",
        "8. Disclaimer of Warranty; Limitation of Liability { .section}",
        "9. Monitoring { .section}",
        "10. Indemnification { .section}",
        "11. Termination { .section}",
        "12. Trademarks { .section}",
        "13. Third-Party Content { .section}",
        "14. Privacy and Breach Notification { .section}",
        "15. Digital Millennium Copyright Act of 1998 \\(“DMCA”\\) Policy: Copyrights and DMCA Copyright Agent { .section}",
        "16. Miscellaneous { .section}"
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      "html_link": "/docs/maps/SES/chapter/bizContent/reference/topics/c_SES_termsOfUse_industry.html",
      "snippet": null
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      "id": "maps/SES/chapter/bizContent/reference/topics/c_SES_termsOfUse_industry.md:chunk-15",
      "title": "Industry Terms of Use {#xd_62497eaddecba2ef-7f6e56d2-183e1b131ba--7ffa .concept}",
      "content": "oing, SRR has the right to remove any material that SRR, in its sole discretion, finds to be in violation of this Agreement.\n\n## 10. Indemnification { .section}\n\nYou agree to defend, indemnify and hold harmless SRR, its affiliates, Third-Party Content Providers, Licensors and the state agencies and federal agencies participating in the System and their respective directors, officers, employees and agents from and against all claims, fees, costs and expenses, including attorneys’ fees, arising out of or in connection with Your Account or Your use of the System.\n\n## 11. Termination { .section}\n\nSRR has the right to immediately terminate Your Account in the event of any conduct by You, which SRR, in its sole determination, considers to be unacceptable, or in the event of any breach by You of this Agreement. The provisions of Sections 3, 4, 7, 8, 10 and this Section 11 will survive such termination. If You breach any of the terms of this Agreement or fail to pay any fees required for the services provided under this Agreement, SRR may disable Your Account, pursue collections against You, and terminate or temporarily suspend Your access to, participation in and use of the System and require You to immediately destroy any materials downloaded or printed from the System in violation of this Agreement.\n\n## 12. Trademarks { .section}\n\n“SRR”, “NMLS”, “Nationwide Mortgage Licensing System”, “Nationwide Multistate Licensing System”, “Nationwide Mortgage Licensing System and Registry” and associated logos are trademarks and/or service marks of SRR. All rights reserved.\n\n## 13. Third-Party Content { .section}\n\n\\(A\\) Use of some third-party materials included on the System may be subject to other terms and conditions typically found in a separate license agreement or “Read Me” file located near such materials. SRR is a distributor \\(and not a publisher\\) of content supplied by Third-Party Content Providers and users. Accordingly, SRR has no more editorial control over such content",
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      "headings": [
        "Industry Terms of Use {#xd_62497eaddecba2ef-7f6e56d2-183e1b131ba--7ffa .concept}",
        "1. Agreement { .section}",
        "2. Definitions { .section}",
        "3. General { .section}",
        "4. Data { .section}",
        "5. Changes { .section}",
        "6. Equipment { .section}",
        "7. Your Conduct { .section}",
        "8. Disclaimer of Warranty; Limitation of Liability { .section}",
        "9. Monitoring { .section}",
        "10. Indemnification { .section}",
        "11. Termination { .section}",
        "12. Trademarks { .section}",
        "13. Third-Party Content { .section}",
        "14. Privacy and Breach Notification { .section}",
        "15. Digital Millennium Copyright Act of 1998 \\(“DMCA”\\) Policy: Copyrights and DMCA Copyright Agent { .section}",
        "16. Miscellaneous { .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/reference/topics/c_SES_termsOfUse_industry.html",
      "snippet": null
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    {
      "id": "maps/SES/chapter/bizContent/reference/topics/c_SES_termsOfUse_industry.md:chunk-16",
      "title": "Industry Terms of Use {#xd_62497eaddecba2ef-7f6e56d2-183e1b131ba--7ffa .concept}",
      "content": "cated near such materials. SRR is a distributor \\(and not a publisher\\) of content supplied by Third-Party Content Providers and users. Accordingly, SRR has no more editorial control over such content than does a public library, bookstore, or newsstand. Any opinions, advice, statements, services, offers, or other information or content expressed or made available by third parties, including information providers or any other users of the System are those of the respective author\\(s\\) or distributor\\(s\\) and not of SRR. Neither SRR nor any Third-Party Content Provider guarantees the accuracy, completeness, or usefulness of any content, nor its merchantability or fitness for any particular purpose. \\(Refer to Section 8 above for the complete provisions governing limitation of liabilities and disclaimers of warranty.\\)\n\n\\(B\\) In many instances, the information available through the System represents the opinions and judgments of the respective Third-Party Content Provider or other users not under contract with SRR. SRR neither endorses nor is responsible for the accuracy or reliability of any opinion, advice or statement made on the System or the software applications, content or services accessible through the System. Under no circumstances will SRR, its affiliates, Third-Party Content Providers, Licensors and the state agencies and federal agencies participating in the System and their respective directors, officers, employees and agents be liable for any loss or damage caused by Your reliance on information obtained through the System. It is Your responsibility to evaluate the accuracy, completeness or usefulness of any information, opinion, advice or other content available through the System. Please seek the advice of professionals, as appropriate, regarding the evaluation of any specific information, opinion, advice or other content.\n\n\\(C\\) The System may contain links to websites operated by persons or entities other than SRR. Such hyperlinks to other websites, ",
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      "headings": [
        "Industry Terms of Use {#xd_62497eaddecba2ef-7f6e56d2-183e1b131ba--7ffa .concept}",
        "1. Agreement { .section}",
        "2. Definitions { .section}",
        "3. General { .section}",
        "4. Data { .section}",
        "5. Changes { .section}",
        "6. Equipment { .section}",
        "7. Your Conduct { .section}",
        "8. Disclaimer of Warranty; Limitation of Liability { .section}",
        "9. Monitoring { .section}",
        "10. Indemnification { .section}",
        "11. Termination { .section}",
        "12. Trademarks { .section}",
        "13. Third-Party Content { .section}",
        "14. Privacy and Breach Notification { .section}",
        "15. Digital Millennium Copyright Act of 1998 \\(“DMCA”\\) Policy: Copyrights and DMCA Copyright Agent { .section}",
        "16. Miscellaneous { .section}"
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      "html_link": "/docs/maps/SES/chapter/bizContent/reference/topics/c_SES_termsOfUse_industry.html",
      "snippet": null
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      "title": "Industry Terms of Use {#xd_62497eaddecba2ef-7f6e56d2-183e1b131ba--7ffa .concept}",
      "content": "ation of any specific information, opinion, advice or other content.\n\n\\(C\\) The System may contain links to websites operated by persons or entities other than SRR. Such hyperlinks to other websites, whether to a home page or some other page on a website, are provided for Your reference and convenience only. You agree not to hold SRR, its affiliates, Third-Party Content Providers, Licensors and the state agencies and federal agencies participating in the System and their respective directors, officers, employees and agents responsible for the content or operation of such websites. A link from the System to another website does not imply or mean that SRR endorses the content on that website or the operator or operations of that website. You are solely responsible for determining the extent to which You use any content at any other websites to which the System links.\n\n## 14. Privacy and Breach Notification { .section}\n\nData submitted to a state agency or federal agency will be subject to the public information, privacy and breach notification laws and policies of such agency.\n\n## 15. Digital Millennium Copyright Act of 1998 \\(“DMCA”\\) Policy: Copyrights and DMCA Copyright Agent { .section}\n\nSRR respects the rights of all copyright holders and in this regard, SRR has adopted and implemented a DMCA Policy, which provides for the termination of Your and other users’ rights to access the System in appropriate circumstances \\(e.g., repeat infringement\\).\n\n## 16. Miscellaneous { .section}\n\n\\(A\\)\n\n-   \\(1\\) Any dispute between You and a state agency and/or federal agency must be resolved with that agency and not SRR.\n-   \\(2\\) Unless specifically provided otherwise herein, all notices and communications to You from SRR hereunder will be made by registered or certified mail, fax or e-mail, using the contact information provided by You, or at Your log-in page and will be deemed to have been duly given and made when sent to You or when You log in to the System, as applicable.\n-",
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        "7. Your Conduct { .section}",
        "8. Disclaimer of Warranty; Limitation of Liability { .section}",
        "9. Monitoring { .section}",
        "10. Indemnification { .section}",
        "11. Termination { .section}",
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        "13. Third-Party Content { .section}",
        "14. Privacy and Breach Notification { .section}",
        "15. Digital Millennium Copyright Act of 1998 \\(“DMCA”\\) Policy: Copyrights and DMCA Copyright Agent { .section}",
        "16. Miscellaneous { .section}"
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      "title": "Industry Terms of Use {#xd_62497eaddecba2ef-7f6e56d2-183e1b131ba--7ffa .concept}",
      "content": "or e-mail, using the contact information provided by You, or at Your log-in page and will be deemed to have been duly given and made when sent to You or when You log in to the System, as applicable.\n-   \\(3\\) All notices and communications to SRR hereunder must be in writing and will be deemed to have been duly given and made when received if \\(i\\) served by personal delivery upon SRR, \\(ii\\) delivered by registered or certified mail, return receipt requested, to 1129 20th Street, NW, 9th Floor, Washington, D.C. 20036, Attention: SRR President and CEO, cc to CSBS General Counsel, \\(iii\\) sent by fax to \\(202\\) 296-1928, Attention: SRR President and CEO or \\(iv\\) sent by e- mail toSRRnotifications@csbs.org, provided that receipt of the fax or e-mail notice or communication is promptly confirmed by telephone confirmation thereof.\n\n\\(B\\) All use of the System and the export, re-export or distribution of SRR software products are subject to U.S. economic sanction laws and regulations administered by the U.S. Treasury Office of Foreign Assets Control and other agencies, including the Office of Export Enforcement of the Department of Commerce. These agencies maintain and update lists of prohibited countries and individuals and administer sanctions against U.S. corporations and individuals conducting business with designated entities.\n\n\\(C\\) This Agreement constitutes the entire agreement of the parties with respect to the subject matter hereof, and supersede all previous written or oral agreements between the parties with respect to such subject matter.\n\n\\(D\\) This Agreement will be construed in accordance with the laws of the Commonwealth of Virginia, without regard to its conflict of laws rules. The parties hereto agree that the jurisdiction for any claim brought under this Agreement will be the County of Arlington, Virginia. The parties hereto expressly waive any right to a jury trial.\n\n\\(E\\) No waiver by either party of any breach or default hereunder will be deemed t",
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      "content": " Agreement will be the County of Arlington, Virginia. The parties hereto expressly waive any right to a jury trial.\n\n\\(E\\) No waiver by either party of any breach or default hereunder will be deemed to be a waiver of any preceding or subsequent breach or default.\n\n\\(F\\) If any of these terms, or the application thereof to any individual, entity or circumstance, is deemed to any extent to be invalid or unenforceable, the remainder of these terms, or the application of such terms or provisions to persons or circumstances other than those as to which they are invalid or unenforceable, will not be affected thereby, and each term and provision of these terms will be valid and enforceable to the fullest extent permitted by law.\n\n\\(G\\) Except as otherwise set forth in this Agreement, no third party will be entitled to enforce these terms against the respective parties as third-party beneficiaries thereof.\n\n\\(H\\) The section headings used herein are for convenience only and are not be given any legal import.\n\n\\(I\\) This Agreement will be binding upon and inure to the benefit of the parties hereto and their respective successors, legal representatives and permitted assigns. You may not assign any of its rights or delegate any of its obligations under this Agreement, other than to an affiliate, without the prior written consent of SRR.",
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        "7. Your Conduct { .section}",
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        "11. Termination { .section}",
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        "14. Privacy and Breach Notification { .section}",
        "15. Digital Millennium Copyright Act of 1998 \\(“DMCA”\\) Policy: Copyrights and DMCA Copyright Agent { .section}",
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      "id": "maps/SES/chapter/bizContent/reference/topics/c_agency_InvestgationVersusExam.md:chunk-0",
      "title": "How an Investigation is Different from an Exam {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7fe0 .concept}",
      "content": "# How an Investigation is Different from an Exam \n\nAn Investigation and an Examination are types of Supervisory Activity. This topic lists the key ways that investigations differ from examinations.\n\n-   **Scope Type**: At initiation the Scope Type is not required.\n-   **Core Standard IRs** are not auto added to Information Requests.\n-   **Core Standard Procedures** are not auto added to the investigation.\n-   **Report**: User can choose to send or not send the Report of Examination \\(Report Decision: send report to company?\\).\n\n    \n\n    **Note:** When a report is uploaded, and when the Examiner in Charge selects **Assign Package Assembler** then user is presented with this screen. The user can choose to send or not send the report to the company. This figure shows what is presented when user selects **Yes**.\n\n-   **If Report is not sent, user cannot send/add any additional Matters Requiring Attention.**\n-   **Close Out**: User does not see a next exam due by option.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\reference\\topics\\c_agency_InvestgationVersusExam.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\reference\\topics\\c_agency_InvestgationVersusExam.md",
      "headings": [
        "How an Investigation is Different from an Exam {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7fe0 .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/reference/topics/c_agency_InvestgationVersusExam.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/reference/topics/r_SES_HoursAndSupportForIndustry.md:chunk-0",
      "title": "State Examination System \\(SES\\) Hours of Operation {#xd_80647b36c08634d1--224c7740-180a488b21a--7fe1 .reference}",
      "content": "# State Examination System \\(SES\\) Hours of Operation \n\nThe hours of availability for the SES system.\n\n\n\nDay of the Week\n\n\n\nFull Access\n\n\n\nLimited Access[^1]\n\n\n\n**All Times Eastern**\n\n\n\nMonday through Friday\n\n\n\n9:00 AM – 6:00 PM\n\n\n\n6:00 PM – 9:00 AM\n\n\n\nSaturday & Sunday\n\n\n\n \n\n\n\nAll Day\n\n\n\nNew Year's Day\n\n Martin Luther King Jr. Day\n\n President's Day\n\n Memorial Day\n\n Juneteenth\n\n Independence Day\n\n Labor Day\n\n Thanksgiving Day\n\n Christmas Day.\n\n\n\n \n\n\n\nAll Day\n\n\n[^1]: During periods of Limited Availability, the System will be operational, but availability may not be guaranteed. The system may experience periods of planned or emergency maintenance.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\reference\\topics\\r_SES_HoursAndSupportForIndustry.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\reference\\topics\\r_SES_HoursAndSupportForIndustry.md",
      "headings": [
        "State Examination System \\(SES\\) Hours of Operation {#xd_80647b36c08634d1--224c7740-180a488b21a--7fe1 .reference}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/reference/topics/r_SES_HoursAndSupportForIndustry.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/reference/topics/r_SES_TechReqs-1.md:chunk-0",
      "title": "State Examination System Technology Requirements {#xd_33ce3014ed815925-3fa1194f-1811029b510--7ffd .reference}",
      "content": "# State Examination System Technology Requirements \n\nThe technical requirements for using the State Examination System.\n\n## Browser \n\nIt is recommended that you use the latest version of your browser to access SES.\n\nThe SES application is built on the Appian™ platform so the technical requirements for browsers follow those that Appian™ supports. The list of support browsers by Appian™ can be found here: Appian Technical Requirements\n\n## System \n\nThe system requires a high speed internet connection.\n\nSome pages within SES provide the ability to preview a document stored within SES. The preview capability is powered by PDFTron™.\n\n## Malware Protection \n\nWhile all files uploaded to SES are scanned for malware, users are advised to conduct their own malware scan when downloading from the system.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\reference\\topics\\r_SES_TechReqs-1.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\reference\\topics\\r_SES_TechReqs-1.md",
      "headings": [
        "State Examination System Technology Requirements {#xd_33ce3014ed815925-3fa1194f-1811029b510--7ffd .reference}",
        "Browser {#section_sjh_23s_gtb .section}",
        "System {#section_b43_cw1_ttb .section}",
        "Malware Protection {#section_xdn_dw1_ttb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/reference/topics/r_SES_TechReqs-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/reference/topics/r_SES_TechReqs.md:chunk-0",
      "title": "State Examination System Technology Requirements {#xd_33ce3014ed815925-3fa1194f-1811029b510--7ffd .reference}",
      "content": "# State Examination System Technology Requirements \n\nThe technical requirements for using the State Examination System.\n\n## Browser \n\nIt is recommended that you use the latest version of your browser to access SES.\n\nThe SES application is built on the Appian™ platform so the technical requirements for browsers follow those that Appian™ supports. The list of support browsers by Appian™ can be found here: Appian Technical Requirements\n\n## System \n\nThe system requires a high speed internet connection.\n\nSome pages within SES provide the ability to preview a document stored within SES. The preview capability is powered by PDFTron™.\n\n## Malware Protection \n\nWhile all files uploaded to SES are scanned for malware, users are advised to conduct their own malware scan when downloading from the system.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\reference\\topics\\r_SES_TechReqs.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\reference\\topics\\r_SES_TechReqs.md",
      "headings": [
        "State Examination System Technology Requirements {#xd_33ce3014ed815925-3fa1194f-1811029b510--7ffd .reference}",
        "Browser {#section_sjh_23s_gtb .section}",
        "System {#section_b43_cw1_ttb .section}",
        "Malware Protection {#section_xdn_dw1_ttb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/reference/topics/r_SES_TechReqs.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/reference/topics/r_SES_emailNotifications-1.md:chunk-0",
      "title": "SES Email Notifications {#r_SES_emailNotifications .reference}",
      "content": "# SES Email Notifications \n\nThe document links below list all email notifications issued through the State Examination System \\(SES\\).\n\n## Excel version \n\nUse the **Find** function in Excel® \\(**Ctrl** + **F**\\) to search for notification text or keywords. You can also browse for notifications using the sheet tabs at the bottom of the spreadsheet.\n\nSES Email Notifications \\(Excel format\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\reference\\topics\\r_SES_emailNotifications-1.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\reference\\topics\\r_SES_emailNotifications-1.md",
      "headings": [
        "SES Email Notifications {#r_SES_emailNotifications .reference}",
        "Excel version {#section_hgd_nbm_zsb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/reference/topics/r_SES_emailNotifications-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/reference/topics/r_SES_emailNotifications.md:chunk-0",
      "title": "SES Email Notifications {#r_SES_emailNotifications .reference}",
      "content": "# SES Email Notifications \n\nThe document links below list all email notifications issued through the State Examination System \\(SES\\).\n\n## Excel version \n\nUse the **Find** function in Excel® \\(**Ctrl** + **F**\\) to search for notification text or keywords. You can also browse for notifications using the sheet tabs at the bottom of the spreadsheet.\n\nSES Email Notifications \\(Excel format\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\reference\\topics\\r_SES_emailNotifications.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\reference\\topics\\r_SES_emailNotifications.md",
      "headings": [
        "SES Email Notifications {#r_SES_emailNotifications .reference}",
        "Excel version {#section_hgd_nbm_zsb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/reference/topics/r_SES_emailNotifications.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/reference/topics/t_MSEdge_configDownload.md:chunk-0",
      "title": "Updating Microsoft Edge Download Permissions {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7fd6 .task}",
      "content": "# Updating Microsoft Edge Download Permissions \n\nUsers of the State Examination System \\(SES\\) who access the site through Microsoft Edge may find they can’t download documents and see the error displayed below. This error can be fixed by adjusting the permissions settings in Microsoft Edge.\n\n1.  >Open Microsoft Edge.\n\n2.  Click **…** > **Settings**.\n\n    \n\n3.  Click **Downloads**.\n\n    \n\n4.  Turn off **Open Office files in the browser**.\n\n    \n\nNext time you attempt to download a file in Microsoft Edge, you will see an option to open or save the document.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\reference\\topics\\t_MSEdge_configDownload.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\reference\\topics\\t_MSEdge_configDownload.md",
      "headings": [
        "Updating Microsoft Edge Download Permissions {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7fd6 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/reference/topics/t_MSEdge_configDownload.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/reference/topics/t_agency_OutlookRuleNotifications-1.md:chunk-0",
      "title": "Creating Rules in Outlook to Organize SES Notifications {#t_agency_OutlookRuleNotifications .task}",
      "content": "# Creating Rules in Outlook to Organize SES Notifications \n\nThis job aid assists SES agency users with creating rules in Outlook to organize their SES notifications.\n\n**Best Practices for Organizing SES Emails**\n\n-   Leverage the list of SES Email Notifications to create rules using the text contained in the subject line.\n-   Consider naming folders based on the topic or by action required, such as Urgent Review Needed or Review Assignment for tracking purposes.\n-   If you create a Miscellaneous folder for emails that you do not use, please revisit this folder periodically or if your work processes change and make updates to rules from the Manage Rules page. Visit Microsoft Office Support on Creating Rules in Outlook to Organize SES Notifications for more helpful information.\n\n1.  Right-click an existing message.\n\n2.  Select **Rules** > **Create Rule**.\n\n    \n\n3.  Select a **Condition** and what to do with the message based on the condition.\n\n    \n\n    To move messages with certain words in the subject line to a specific folder, select the **Subject contains** condition and **Move the item to folder**. Then **select an existing folder** or **create a new folder** \\(see below\\), and click **OK**.\n\n    \n\n    \n\n4.  Click **OK** when you are done creating the rule.\n\n    \n\n    **Note:** To use the rule right away, select the **Run this new rule now on messages already in the current folder** checkbox, and then select **OK**. The message now appears in that folder.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\reference\\topics\\t_agency_OutlookRuleNotifications-1.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\reference\\topics\\t_agency_OutlookRuleNotifications-1.md",
      "headings": [
        "Creating Rules in Outlook to Organize SES Notifications {#t_agency_OutlookRuleNotifications .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/reference/topics/t_agency_OutlookRuleNotifications-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/bizContent/reference/topics/t_agency_OutlookRuleNotifications.md:chunk-0",
      "title": "Creating Rules in Outlook to Organize SES Notifications {#t_agency_OutlookRuleNotifications .task}",
      "content": "# Creating Rules in Outlook to Organize SES Notifications \n\nThis job aid assists SES agency users with creating rules in Outlook to organize their SES notifications.\n\n**Best Practices for Organizing SES Emails**\n\n-   Leverage the list of SES Email Notifications to create rules using the text contained in the subject line.\n-   Consider naming folders based on the topic or by action required, such as Urgent Review Needed or Review Assignment for tracking purposes.\n-   If you create a Miscellaneous folder for emails that you do not use, please revisit this folder periodically or if your work processes change and make updates to rules from the Manage Rules page. Visit Microsoft Office Support on Creating Rules in Outlook to Organize SES Notifications for more helpful information.\n\n1.  Right-click an existing message.\n\n2.  Select **Rules** > **Create Rule**.\n\n    \n\n3.  Select a **Condition** and what to do with the message based on the condition.\n\n    \n\n    To move messages with certain words in the subject line to a specific folder, select the **Subject contains** condition and **Move the item to folder**. Then **select an existing folder** or **create a new folder** \\(see below\\), and click **OK**.\n\n    \n\n    \n\n4.  Click **OK** when you are done creating the rule.\n\n    \n\n    **Note:** To use the rule right away, select the **Run this new rule now on messages already in the current folder** checkbox, and then select **OK**. The message now appears in that folder.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\bizContent\\reference\\topics\\t_agency_OutlookRuleNotifications.md",
      "relative_path": "maps\\SES\\chapter\\bizContent\\reference\\topics\\t_agency_OutlookRuleNotifications.md",
      "headings": [
        "Creating Rules in Outlook to Organize SES Notifications {#t_agency_OutlookRuleNotifications .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/bizContent/reference/topics/t_agency_OutlookRuleNotifications.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/c_agency_part_SA.md:chunk-0",
      "title": "SES Examinations and Investigations Resources for Agencies {#c_agency_part_SA .concept}",
      "content": "# SES Examinations and Investigations Resources for Agencies \n\nHow to initiate and manage examinations and investigations of supervised companies.\n\nThank you for your interest in the State Examination System \\(SES\\). SES is a one-stop-shop for financial services industry supervision that brings an agency’s entire engagement with companies onto a single platform, which in turn brings efficiencies to state supervision.\n\nBelow is a set of resources available to agencies to learn more about conducting examinations and investigations with SES.\n\n**Fastpath:** Check out the SES Workflows by SES Training \\(Exams and Complaints\\) to see videos explaining the full process for conducting exams and complaints in SES from both the agency and company perspective.\n\n## Other resources: \n\n-   Job Aid: SES EIC Roundtable - Suggested Best Practices for Multi-State Exams in SES: A guide for examiners in charge \\(EIC\\) about how to conduct multi-state exams in SES.\n-   Job Aid: Conducting Your First Exam in SES: A guide for EICs to conduct their first exam in SES.\n-   State Examination System \\(SES\\) Agency FAQs: Find answers to common questions about the system.\n-   SES Policies: Contains all SES policies and a glossary of terms.\n-   A Tour of SES: A video geared toward company users that provides an overview of the system.\n-   Creating and Removing Agency Users: Get people in your agency access to SES.\n-   SES Agency System Roles & Consumer Complaints Roles: A summary of the roles and permissions available to your agency’s SES users.\n-   Supervisory Activity Participant Roles\n-   Managing Agency User Accounts: Update your agency’s users’ profiles, update roles, reset passwords, and unlock accounts.\n-   Information Sharing: Instructional video providing information on concepts behind the system.\n-   SES System Releases: Information and tutorials about updates that have been made to the system.\n-   SES Email Notifications\n-   State Examination System \\(SES\\) Hours of Operation\n-   State",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\c_agency_part_SA.md",
      "relative_path": "maps\\SES\\chapter\\c_agency_part_SA.md",
      "headings": [
        "SES Examinations and Investigations Resources for Agencies {#c_agency_part_SA .concept}",
        "Other resources: {#section_v2h_rp3_ytb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/c_agency_part_SA.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/c_agency_part_SA.md:chunk-1",
      "title": "SES Examinations and Investigations Resources for Agencies {#c_agency_part_SA .concept}",
      "content": "ystem.\n-   SES System Releases: Information and tutorials about updates that have been made to the system.\n-   SES Email Notifications\n-   State Examination System \\(SES\\) Hours of Operation\n-   State Examination System Technology Requirements\n\n-   **Job Aid: Conducting Your First Exam in SES**  \nThis job aid serves as a guide for new Examiner in Charge to conduct their first exam in the State Examination System. It highlights the basic workflow of an exam in SES and points out important information along the way.\n-   **Managing Supervisory Activities**  \nThis section includes managing the Library, exam scheduling, and participants in a Supervisory Activity. Bulk download of data from supervisory activities is also included.\n-   **Conducting a Supervisory Activity**  \nA Supervisory Activity is an activity conducted by a state agency over a financial institution under its regulatory authority. It includes Examination, Investigation, and enforcement actions.\n-   **Networked Supervision**  \nNetworked Supervision allows agencies in multiple states to share resources on a supervisory activity.\n\n**Parent topic:**Supervisory Activities",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\c_agency_part_SA.md",
      "relative_path": "maps\\SES\\chapter\\c_agency_part_SA.md",
      "headings": [
        "SES Examinations and Investigations Resources for Agencies {#c_agency_part_SA .concept}",
        "Other resources: {#section_v2h_rp3_ytb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/c_agency_part_SA.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/c_chapter_agencyIR.md:chunk-0",
      "title": "Information Requests {#c_chapter_agencyIR .concept}",
      "content": "# Information Requests \n\nInformation Requests contain template language used to request information from a company.\n\nInformation requests are managed in the SES Library. See Managing the Library for more information.\n\n-   **Add and Remove Information Requests**  \nOnce the scope is marked complete, agency and standard core information requests \\(IRs\\) that match the scope type of the supervisory activity \\(SA\\) are automatically added to the SA by the system for single-state exams.\n-   **Sending Information Requests to the Company**  \nOnce the scope is marked complete, the Plan and Information Requests submenus appear. Additionally, the agency and standard core information requests \\(IRs\\) from the library are added to the supervisory activity and can be sent to the company.\n-   **Reviewing Information Request Responses**  \nOnce a company responds to your information requests \\(IRs\\), your exam team can begin reviewing IR responses.\n\n**Parent topic:**Conducting a Supervisory Activity\n\n**Previous topic:**Sending the Scope Back for Revision\n\n**Next topic:**Add and Remove Information Requests",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\c_chapter_agencyIR.md",
      "relative_path": "maps\\SES\\chapter\\c_chapter_agencyIR.md",
      "headings": [
        "Information Requests {#c_chapter_agencyIR .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/c_chapter_agencyIR.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/c_part_Complaints.md:chunk-0",
      "title": "Consumer Complaints {#c_part_Complaints .concept}",
      "content": "# Consumer Complaints \n\nRecording and resolving consumer complaints against companies.\n\n-   **SES Consumer Complaints Resources for Agencies**  \nManaging and processing consumer complaints in SES.\n-   **SES Consumer Complaints Resources for Companies**  \nResponding to consumer complaints related inquiries.\n-   **SES Consumer Complaints Reports**  \nSES has several reports that allow you to view the status and work activity for consumer complaints.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\c_part_Complaints.md",
      "relative_path": "maps\\SES\\chapter\\c_part_Complaints.md",
      "headings": [
        "Consumer Complaints {#c_part_Complaints .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/c_part_Complaints.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/c_part_Complaints_Companies.md:chunk-0",
      "title": "SES Consumer Complaints Resources for Companies {#c_part_Complaints_Companies .concept}",
      "content": "# SES Consumer Complaints Resources for Companies \n\nResponding to consumer complaints related inquiries.\n\nThank you for your interest in the State Examination System \\(SES\\). SES is a one-stop-shop for financial services companies that brings a company’s entire engagement with state regulators onto a single platform, which in turn brings efficiencies to state supervision.\n\nFor a company to get access to SES to handle a consumer complaint or manage a state examination in the System, a state regulatory agency must first send a system enrollment request to the company. Unless a company receives a specific request from a state agency to enroll in SES, the company does not need to take action or any steps at this time.\n\nBelow is a set of resources available to companies to learn more about using SES to participate in consumer complaints.\n\n**Fastpath:** Check out the SES Workflows by SES Training \\(Exams and Complaints\\) to see videos explaining the full process for conducting exams and complaints in SES from both the agency and company perspective.\n\n## Other resources \n\n-   A Tour of SES: A video that provides an overview of the system.\n-   Job Aid: Your First Complaint in SES: A guide to help you complete a complaint in SES..\n-   State Examination System \\(SES\\) Industry FAQs: Find answers to common questions about the system.\n-   SES Policies: Contains all SES policies and a glossary of terms.\n-   Enrolling a Company User for Exams or Complaints: A comprehensive guide for enrolling your company in SES.\n-   Information Sharing: Instructional video that provides information on concepts behind the system.\n-   SES System Releases: Information and tutorials about updates that have been made to the system.\n-   SES Email Notifications\n-   State Examination System Company Security FAQs\n-   State Examination System \\(SES\\) Hours of Operation\n-   Appendix A: SES URLs, Emails, & Requirements\n-   Appendix B: Initial Notification Emails\n\n-   **Job Aid: Your First Complaint in SES**",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\c_part_Complaints_Companies.md",
      "relative_path": "maps\\SES\\chapter\\c_part_Complaints_Companies.md",
      "headings": [
        "SES Consumer Complaints Resources for Companies {#c_part_Complaints_Companies .concept}",
        "Other resources {#section_nr3_hbd_ytb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/c_part_Complaints_Companies.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/c_part_Complaints_Companies.md:chunk-1",
      "title": "SES Consumer Complaints Resources for Companies {#c_part_Complaints_Companies .concept}",
      "content": " FAQs\n-   State Examination System \\(SES\\) Hours of Operation\n-   Appendix A: SES URLs, Emails, & Requirements\n-   Appendix B: Initial Notification Emails\n\n-   **Job Aid: Your First Complaint in SES**  \nThis job aid serves as a guide for company complaints users to complete the set-up process for their company \\(“Company Enrollment”\\) and respond to a consumer complaint in the State Examination System \\(SES\\).\n-   **Viewing a Complaint**  \nWhen a complaint is entered into SES and information requests are sent to your company, you can view the details in the system.\n-   **Responding to a Complaint Information Request**  \nAgencies can send information requests \\(IRs\\) regarding a complaint through SES. This article explains how to respond to those information requests.\n-   **Requesting a Complaint IR Due Date Extension**  \nYou can request an extension for the due dates of your company’s information requests \\(IRs\\). This sends a notification to the agency to review the request.\n-   **Requesting the Agency to Send Back a Complaint Information Request**  \nThe company point of contact on a complaint can request that the agency send back an IR that has been sent to the agency, before the complaint is closed.\n-   **Complaint Closure**  \nWhat happens when the agency closes the complaint.\n-   **Assigning and Reassigning the Company POC**  \nWhen a complaint is received for your company, you must assign a point of contact \\(POC\\) for the complaint.\n-   **Updating the Complaints Contact**  \nThe complaints contact is the user for a company that receives notification when a complaint is entered, and information requests are sent.\n\n**Parent topic:**Consumer Complaints",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\c_part_Complaints_Companies.md",
      "relative_path": "maps\\SES\\chapter\\c_part_Complaints_Companies.md",
      "headings": [
        "SES Consumer Complaints Resources for Companies {#c_part_Complaints_Companies .concept}",
        "Other resources {#section_nr3_hbd_ytb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/c_part_Complaints_Companies.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/c_part_Exams.md:chunk-0",
      "title": "Supervisory Activities {#c_part_Exams .concept}",
      "content": "# Supervisory Activities \n\nSupervisory activities are used for examining and investigating companies.\n\n-   **SES Examinations and Investigations Resources for Agencies**  \nHow to initiate and manage examinations and investigations of supervised companies.\n-   **SES Examinations and Investigations Resources for Companies**  \nResponding to examinations and investigations in State Examination System \\(SES\\).\n-   **Managing Communications**  \nLearn about the Communication page in SES supervisory activities \\(SAs\\).\n-   **Managing Interactions**  \nThe Interactions page serves as a place where communication between the agency and company is captured. This includes emails, phone calls, meetings, physical mail and other miscellaneous forms of communication specific to the supervisory activity.\n-   **SES Supervisory Activity Reports**  \nSES has several reports that allow you to view staff workload, plan assignments, identify supervisory activities with no examiners assigned, and view the progress or status of supervisory activites and responses to information requests.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\c_part_Exams.md",
      "relative_path": "maps\\SES\\chapter\\c_part_Exams.md",
      "headings": [
        "Supervisory Activities {#c_part_Exams .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/c_part_Exams.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/c_part_Exams_Companies-1.md:chunk-0",
      "title": "SES Examinations and Investigations Resources for Companies {#c_part_Exams_Companies .concept}",
      "content": "# SES Examinations and Investigations Resources for Companies \n\nResponding to examinations and investigations in State Examination System \\(SES\\).\n\nThank you for your interest in the State Examination System \\(SES\\). SES is a one-stop-shop for the financial services companies that brings a company’s entire engagement with state regulators onto a single platform, which in turn brings efficiencies to state supervision.\n\nFor a company to get access to SES to handle a consumer complaint or manage a state examination in the System, a state regulatory agency must first send a system enrollment request to the company. Unless a company receives a specific request from a state agency to enroll in SES, the company does not need to take action or complete any steps at this time.\n\nBelow is a set of resources available to companies to learn more about using SES to participate in examinations and investigations.\n\n**Fastpath:** Check out the SES Workflows by SES Training \\(Exams and Complaints\\) to see videos explaining the full process for conducting exams and complaints in SES from both the agency and company perspective.\n\n## Other resources: \n\n-   A Tour of SES: A video that provides an overview of the system.\n-   Information Sharing: Instructional videos that provide information on concepts behind the system.\n-   Job Aid: Your First Examination in SES: A guide to help you complete an exam in SES.\n-   State Examination System \\(SES\\) Industry FAQs: Find answers to common questions about the system.\n-   State Examination System Company Security FAQs\n-   SES Policies: Contains all SES policies and a glossary of terms.\n-   SES System Releases: Information and tutorials about updates that have been made to the system.\n-   SES Email Notifications\n-   State Examination System \\(SES\\) Hours of Operation\n-   Appendix A: SES URLs, Emails, & Requirements\n-   Appendix B: Initial Notification Emails\n\n-   **Job Aid: Your First Examination in SES**  \nThis job aid serves as a guide for compan",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\c_part_Exams_Companies-1.md",
      "relative_path": "maps\\SES\\chapter\\c_part_Exams_Companies-1.md",
      "headings": [
        "SES Examinations and Investigations Resources for Companies {#c_part_Exams_Companies .concept}",
        "Other resources: {#section_z3l_sgl_ytb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/c_part_Exams_Companies-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/c_part_Exams_Companies-1.md:chunk-1",
      "title": "SES Examinations and Investigations Resources for Companies {#c_part_Exams_Companies .concept}",
      "content": "rs of Operation\n-   Appendix A: SES URLs, Emails, & Requirements\n-   Appendix B: Initial Notification Emails\n\n-   **Job Aid: Your First Examination in SES**  \nThis job aid serves as a guide for company users to complete the setup process for their company \\(i.e., company enrollment\\) and respond to an exam in the State Examination System \\(SES\\).\n-   **Managing Company Supervisory Activity Participants**  \nCompany participants on a Supervisory Activity can be added or removed at any time until the Examination or Investigation is Closed. You can also update user roles on an SA or reassign the company lead.\n-   **Leveraged or Accepted Supervisory Activities**  \nYou may receive notifications that an agency is leveraging another agency’s Supervisory Activity for your company. Or you may receive notifications from SES indicating that an agency has accepted aSupervisory Activity\\) for your company.\n-   **Information Requests**  \nInformation Requests are used by the examining or investigating agency to obtain information relevant to the supervisory activity. Your company lead can respond to these information requests directly or assign them to other participants at your company.\n-   **Responding to Loan Requests**  \nAfter an agency sends you loan requests, you can add responses to those loan request and assign those loan requests to other participants on your supervisory activity.\n-   **Transaction Requests for Companies**  \nTransaction requests in SES allow agency users to initiate and manage formal requests related to specific transactions during a money services business \\(MSB\\) examination. Unlike information requests or loan requests, which target broader data or document categories, transaction requests focus on obtaining evidence tied to individual transactions, supporting detailed analysis and issue identification throughout the examination lifecycle.\n-   **Responding to Agent Location Requests**  \nExplains how companies review and respond to agent location request",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\c_part_Exams_Companies-1.md",
      "relative_path": "maps\\SES\\chapter\\c_part_Exams_Companies-1.md",
      "headings": [
        "SES Examinations and Investigations Resources for Companies {#c_part_Exams_Companies .concept}",
        "Other resources: {#section_z3l_sgl_ytb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/c_part_Exams_Companies-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/c_part_Exams_Companies-1.md:chunk-2",
      "title": "SES Examinations and Investigations Resources for Companies {#c_part_Exams_Companies .concept}",
      "content": "ing detailed analysis and issue identification throughout the examination lifecycle.\n-   **Responding to Agent Location Requests**  \nExplains how companies review and respond to agent location requests submitted by state agencies in SES, including providing or confirming agent location details, uploading supporting documentation, and submitting responses for review.\n-   **Matters Requiring Attention**  \nMatters Requiring Attention are areas of concern which the examining or investigating agency expects to be addressed at the close of the Supervisory Activity. This section describes how to repsond to MRAs and, if you require more time, to request an extension of the due date.\n-   **Report of Examination**  \nThe examining or investigating agency will present a Report of Examination at the completion of the supervisory activity. Your company may be allowed to respond to the report.\n-   **Reviewing Closure Materials**  \nAt the conclusion of a supervisory activity \\(SA\\) for your company, an agency can add comments or closure documents. If comments or closure documents are added to your company’s SA, they can be accessed on the Closure Materials tab for the SA.\n-   **QuickIR**  \nQuickIR is an SES feature that allows your company to browse through the standard information requests \\(IRs\\) in the State Examination System \\(SES\\) and prepare your responses to the IRs in advance of an upcoming examination of your company in SES.\n\n**Parent topic:**Supervisory Activities",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\c_part_Exams_Companies-1.md",
      "relative_path": "maps\\SES\\chapter\\c_part_Exams_Companies-1.md",
      "headings": [
        "SES Examinations and Investigations Resources for Companies {#c_part_Exams_Companies .concept}",
        "Other resources: {#section_z3l_sgl_ytb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/c_part_Exams_Companies-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/c_part_Exams_Companies.md:chunk-0",
      "title": "SES Examinations and Investigations Resources for Companies {#c_part_Exams_Companies .concept}",
      "content": "# SES Examinations and Investigations Resources for Companies \n\nResponding to examinations and investigations in State Examination System \\(SES\\).\n\nThank you for your interest in the State Examination System \\(SES\\). SES is a one-stop-shop for the financial services companies that brings a company’s entire engagement with state regulators onto a single platform, which in turn brings efficiencies to state supervision.\n\nFor a company to get access to SES to handle a consumer complaint or manage a state examination in the System, a state regulatory agency must first send a system enrollment request to the company. Unless a company receives a specific request from a state agency to enroll in SES, the company does not need to take action or complete any steps at this time.\n\nBelow is a set of resources available to companies to learn more about using SES to participate in examinations and investigations.\n\n**Fastpath:** Check out the SES Workflows by SES Training \\(Exams and Complaints\\) to see videos explaining the full process for conducting exams and complaints in SES from both the agency and company perspective.\n\n## Other resources: \n\n-   A Tour of SES: A video that provides an overview of the system.\n-   Information Sharing: Instructional videos that provide information on concepts behind the system.\n-   Job Aid: Your First Examination in SES: A guide to help you complete an exam in SES.\n-   State Examination System \\(SES\\) Industry FAQs: Find answers to common questions about the system.\n-   State Examination System Company Security FAQs\n-   SES Policies: Contains all SES policies and a glossary of terms.\n-   SES System Releases: Information and tutorials about updates that have been made to the system.\n-   SES Email Notifications\n-   State Examination System \\(SES\\) Hours of Operation\n-   Appendix A: SES URLs, Emails, & Requirements\n-   Appendix B: Initial Notification Emails",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\c_part_Exams_Companies.md",
      "relative_path": "maps\\SES\\chapter\\c_part_Exams_Companies.md",
      "headings": [
        "SES Examinations and Investigations Resources for Companies {#c_part_Exams_Companies .concept}",
        "Other resources: {#section_z3l_sgl_ytb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/c_part_Exams_Companies.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/c_part_SES_Reports.md:chunk-0",
      "title": "SES Supervisory Activity Reports {#c_part_SES_Reports .concept}",
      "content": "# SES Supervisory Activity Reports \n\nSES has several reports that allow you to view staff workload, plan assignments, identify supervisory activities with no examiners assigned, and view the progress or status of supervisory activites and responses to information requests.\n\n-   **Viewing Agency Metrics**  \nThe Agency Metrics in SES provide a dashboard view of both your agency's activity and nationwide activity in SES.\n-   **Nationwide Reports**  \nThe nationwide reports in SES contain nationwide supervisory activity information about all agencies except the user's own agency.\n-   **Viewing the New Supervisory Activity Progress Report**  \nAfter your agency has initiated a Supervisory Activity, you can access the New Supervisory Activity Progress Report to view the progress of all your initiated supervisory activities and what actions need to be taken to move the exam or investigation forward.\n-   **The Supervisory Activity Staffing Report**  \nThe SA Staffing report gives you insight into your agency’s examiners’ availability and workload. This can help you to determine who should be a participant on upcoming supervisory activities \\(SAs\\) based on their availability.\n-   **Responding to an SA Access Request Using the Access Request Report**  \nAllowing another agency to access supervisory activities completed by your agency allows information about companies under supervision to be shared. To leverage or accept a Supervisory Activity conducted by your agency, another agency must first have access to the SA.\n-   **Accepting or Rejecting an Invitation to an SA Using the SA Invitation Report**  \nStaff users and staff directors can view the SA Invitation Report to view invitations to join supervisory activities \\(SAs\\) that your agency has sent or received.\n-   **Viewing the SA Acceptance and Leverage Report**  \nThe SA Acceptance and Leverage Report displays the following: SAs that are in any status in the acceptance process, and SAs that are being leveraged from other age",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\c_part_SES_Reports.md",
      "relative_path": "maps\\SES\\chapter\\c_part_SES_Reports.md",
      "headings": [
        "SES Supervisory Activity Reports {#c_part_SES_Reports .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/c_part_SES_Reports.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/c_part_SES_Reports.md:chunk-1",
      "title": "SES Supervisory Activity Reports {#c_part_SES_Reports .concept}",
      "content": "A Acceptance and Leverage Report**  \nThe SA Acceptance and Leverage Report displays the following: SAs that are in any status in the acceptance process, and SAs that are being leveraged from other agencies.\n-   **Viewing the SA IR Response Activity Report**  \nYou can access the SA IR Response Activity Report to view the progress of all the information requests on your agency’s supervisory activities that have been responded to by the company.\n-   **Viewing the Document Retention Report**  \nRather than navigating directly to a specific SA to manage document retention, you can use the Document Retention Report to view and manage SAs with upcoming or currently suspended document retention policies.\n-   **Viewing SA Reports**  \nSES has reports available containing data about your agency’s supervisory activities. Within the reporting tool, agency users will find metrics and graphs for supervisory activities with findings, as well as open and closed supervisory activities.\n\n**Parent topic:**Supervisory Activities",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\c_part_SES_Reports.md",
      "relative_path": "maps\\SES\\chapter\\c_part_SES_Reports.md",
      "headings": [
        "SES Supervisory Activity Reports {#c_part_SES_Reports .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/c_part_SES_Reports.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/closeOut/topics/c_agency_DocRetention.md:chunk-0",
      "title": "Suspending or Resuming Document Retention for a Supervisory Activity {#c_agency_DocRetention .concept}",
      "content": "# Suspending or Resuming Document Retention for a Supervisory Activity \n\nWhen closing and locking an exam, you have the option to suspend document retention on the SA. This may be done for legal, investigative hold, or other purposes. Suspension will remain in effect until lifted by your agency. Your agency will receive periodic reminders of all suspended SAs. See the Record Retention and Disposition Schedule for more information.\n\n**Note:** You must be a staff director or staff user to suspend or resume document retention. Report response must be marked as complete. See Closing and Locking a Supervisory Activity for more information.\n\n-   **Suspending Document Retention**  \nStaff users or staff directors can suspend and resume document retention for a supervisory activity. This can only be done once the Report response is marked complete.\n-   **Resuming Document Retention**  \nStaff users or staff directors can suspend and resume document retention for a supervisory activity.\n\n**Parent topic:**Closing Out a Supervisory Activity\n\n**Related information**  \n\nEntering Close Out Information\n\nUpdating Close Out Information\n\nClosing and Locking a Supervisory Activity",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\closeOut\\topics\\c_agency_DocRetention.md",
      "relative_path": "maps\\SES\\chapter\\closeOut\\topics\\c_agency_DocRetention.md",
      "headings": [
        "Suspending or Resuming Document Retention for a Supervisory Activity {#c_agency_DocRetention .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/closeOut/topics/c_agency_DocRetention.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/closeOut/topics/c_agency_SA_closeout.md:chunk-0",
      "title": "Closing Out a Supervisory Activity {#c_agency_SA_closeout .concept}",
      "content": "# Closing Out a Supervisory Activity \n\nWhen a Supervisory Activity is completed, you can close and lock it.\n\nTo close and lock a supervisory activity, you must enter the Close Out information and mark it as complete. The report response must also be marked as complete. See Marking Report Response from Company as Complete for more information.\n\n**Note:** Only staff users from the lead agency assigned as a participant on the SA can close and lock an SA. The close out information must be completed and the report response from the company must be marked complete by the EIC to be able to close and lock an SA.\n\nFor a multi-state SA, the Team Lead from each participating agency must confirm that the exam is ready to be closed.\n\n**Fastpath:** View the SES Milestones Prezi for a handy job-aid.\n\n-   **Entering Close Out Information**  \nOnce the report has been sent to the company, the staff user\\(s\\) or the examiner in charge \\(EIC\\) must enter relevant close out information, including evaluations, ratings, and disposition.\n-   **Updating Close Out Information**  \nAfter the report is in “Complete” status and before the SA is closed, the EIC or staff user can enter and update the close out information on an SA.\n-   **Closing and Locking a Supervisory Activity**  \nAfter the examiner in charge \\(EIC\\) completes the close out information and marks the report response complete for a supervisory activity \\(SA\\), it can be closed and locked from further updates by the participants on the SA.\n-   **Suspending or Resuming Document Retention for a Supervisory Activity**  \nWhen closing and locking an exam, you have the option to suspend document retention on the SA. This may be done for legal, investigative hold, or other purposes. Suspension will remain in effect until lifted by your agency. Your agency will receive periodic reminders of all suspended SAs. See the Record Retention and Disposition Schedule for more information.\n\n**Parent topic:**Conducting a Supervisory Activity\n\n**Prev",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\closeOut\\topics\\c_agency_SA_closeout.md",
      "relative_path": "maps\\SES\\chapter\\closeOut\\topics\\c_agency_SA_closeout.md",
      "headings": [
        "Closing Out a Supervisory Activity {#c_agency_SA_closeout .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/closeOut/topics/c_agency_SA_closeout.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/closeOut/topics/c_agency_SA_closeout.md:chunk-1",
      "title": "Closing Out a Supervisory Activity {#c_agency_SA_closeout .concept}",
      "content": "y. Your agency will receive periodic reminders of all suspended SAs. See the Record Retention and Disposition Schedule for more information.\n\n**Parent topic:**Conducting a Supervisory Activity\n\n**Previous topic:**Responding to an MRA Due Date Extension Request\n\n**Next topic:**Entering Close Out Information",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\closeOut\\topics\\c_agency_SA_closeout.md",
      "relative_path": "maps\\SES\\chapter\\closeOut\\topics\\c_agency_SA_closeout.md",
      "headings": [
        "Closing Out a Supervisory Activity {#c_agency_SA_closeout .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/closeOut/topics/c_agency_SA_closeout.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/closeOut/topics/t_agency_DocRetention_Report.md:chunk-0",
      "title": "Viewing the Document Retention Report {#t_agency_DocRetention_Report .task}",
      "content": "# Viewing the Document Retention Report \n\nRather than navigating directly to a specific SA to manage document retention, you can use the Document Retention Report to view and manage SAs with upcoming or currently suspended document retention policies.\n\n**Note:** You must be a staff director or staff user to access the Document Retention Report.\n\n1.  Select the **Agency Reports** drop-down menu from the Top Menu of the homepage.\n\n    \n\n2.  Select **Document Retention**.\n\nThe Upcoming Document Deletion tab shows all SAs that your agency is a part of that have a Category A or Category B document deletion date in the next 30 days. Definitions of what constitutes Category A and Category B documents can be found at the bottom of this report. The Suspended Document Retention tab shows all SAs that your agency is a part of that have a suspended document retention policy.\n\n**Parent topic:**SES Supervisory Activity Reports",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\closeOut\\topics\\t_agency_DocRetention_Report.md",
      "relative_path": "maps\\SES\\chapter\\closeOut\\topics\\t_agency_DocRetention_Report.md",
      "headings": [
        "Viewing the Document Retention Report {#t_agency_DocRetention_Report .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/closeOut/topics/t_agency_DocRetention_Report.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/closeOut/topics/t_agency_DocRetention_Resume-1.md:chunk-0",
      "title": "Resuming Document Retention {#t_agency_DocRetention_Resume .task}",
      "content": "# Resuming Document Retention \n\nStaff users or staff directors can suspend and resume document retention for a supervisory activity.\n\n**Note:** You must be a staff director or staff user to suspend or resume document retention. Report response must be marked as complete. See Closing and Locking a Supervisory Activity for more information.\n\n1.  Login to SES as a staff user or staff director.\n\n2.  Navigate to your supervisory activity.\n\n    \n\n3.  Click **Resume Document Retention**.\n\n    \n\n4.  Click **Resume**.\n\n**Parent topic:**Suspending or Resuming Document Retention for a Supervisory Activity\n\n**Related information**  \n\nSuspending Document Retention",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\closeOut\\topics\\t_agency_DocRetention_Resume-1.md",
      "relative_path": "maps\\SES\\chapter\\closeOut\\topics\\t_agency_DocRetention_Resume-1.md",
      "headings": [
        "Resuming Document Retention {#t_agency_DocRetention_Resume .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/closeOut/topics/t_agency_DocRetention_Resume-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/closeOut/topics/t_agency_DocRetention_Resume.md:chunk-0",
      "title": "Resuming Document Retention {#t_agency_DocRetention_Resume .task}",
      "content": "# Resuming Document Retention \n\nStaff users or staff directors can suspend and resume document retention for a supervisory activity.\n\n**Note:** You must be a staff director or staff user to suspend or resume document retention. Report response must be marked as complete. See Closing and Locking a Supervisory Activity for more information.\n\n1.  Login to SES as a staff user or staff director.\n\n2.  Navigate to your supervisory activity.\n\n    \n\n3.  Click **Resume Document Retention**.\n\n    \n\n4.  Click **Resume**.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\closeOut\\topics\\t_agency_DocRetention_Resume.md",
      "relative_path": "maps\\SES\\chapter\\closeOut\\topics\\t_agency_DocRetention_Resume.md",
      "headings": [
        "Resuming Document Retention {#t_agency_DocRetention_Resume .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/closeOut/topics/t_agency_DocRetention_Resume.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/closeOut/topics/t_agency_DocRetention_Suspend-1.md:chunk-0",
      "title": "Suspending Document Retention {#t_agency_DocRetention_Suspend .task}",
      "content": "# Suspending Document Retention \n\nStaff users or staff directors can suspend and resume document retention for a supervisory activity. This can only be done once the Report response is marked complete.\n\n**Note:** You must be a staff director or staff user to suspend or resume document retention. Report response must be marked as complete. See Closing and Locking a Supervisory Activity for more information.\n\n**Important:** Once the SA is locked, the company can respond to matters requiring attention, but changes to the supervisory activity cannot be made.\n\n1.  Login to SES as a staff user or staff director.\n\n2.  Navigate to your supervisory activity.\n\n    \n\n3.  Click **Close and Lock** on the Summary page.\n\n    \n\n4.  Select the **Yes** option to **Suspend document retention on this supervisory activity?**\n\n    **Note:** You must be a staff director or staff user to suspend or resume document retention. Report response must be marked as complete. See Closing and Locking a Supervisory Activity for more information.\n\n5.  Click **Close and Lock**.\n\n    \n\n6.  Click **Confirm**.\n\n**Parent topic:**Suspending or Resuming Document Retention for a Supervisory Activity\n\n**Related information**  \n\nResuming Document Retention",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\closeOut\\topics\\t_agency_DocRetention_Suspend-1.md",
      "relative_path": "maps\\SES\\chapter\\closeOut\\topics\\t_agency_DocRetention_Suspend-1.md",
      "headings": [
        "Suspending Document Retention {#t_agency_DocRetention_Suspend .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/closeOut/topics/t_agency_DocRetention_Suspend-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/closeOut/topics/t_agency_DocRetention_Suspend.md:chunk-0",
      "title": "Suspending Document Retention {#t_agency_DocRetention_Suspend .task}",
      "content": "# Suspending Document Retention \n\nStaff users or staff directors can suspend and resume document retention for a supervisory activity. This can only be done once the Report response is marked complete.\n\n**Note:** You must be a staff director or staff user to suspend or resume document retention. Report response must be marked as complete. See Closing and Locking a Supervisory Activity for more information.\n\n**Important:** Once the SA is locked, the company can respond to matters requiring attention, but changes to the supervisory activity cannot be made.\n\n1.  Login to SES as a staff user or staff director.\n\n2.  Navigate to your supervisory activity.\n\n    \n\n3.  Click **Close and Lock** on the Summary page.\n\n    \n\n4.  Select the **Yes** option to **Suspend document retention on this supervisory activity?**\n\n    **Note:** You must be a staff director or staff user to suspend or resume document retention. Report response must be marked as complete. See Closing and Locking a Supervisory Activity for more information.\n\n5.  Click **Close and Lock**.\n\n    \n\n6.  Click **Confirm**.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\closeOut\\topics\\t_agency_DocRetention_Suspend.md",
      "relative_path": "maps\\SES\\chapter\\closeOut\\topics\\t_agency_DocRetention_Suspend.md",
      "headings": [
        "Suspending Document Retention {#t_agency_DocRetention_Suspend .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/closeOut/topics/t_agency_DocRetention_Suspend.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/closeOut/topics/t_agency_SA_closeout_closeLock-1.md:chunk-0",
      "title": "Closing and Locking a Supervisory Activity {#t_agency_SA_closeout_closeLock .task}",
      "content": "# Closing and Locking a Supervisory Activity \n\nAfter the examiner in charge \\(EIC\\) completes the close out information and marks the report response complete for a supervisory activity \\(SA\\), it can be closed and locked from further updates by the participants on the SA.\n\n-   Entering Close Out Information\n-   Marking Report Response from Company as Complete\n\n**Important:** Once the SA is locked, the company can respond to matters requiring attention, but changes to the supervisory activity cannot be made.\n\n**Note:** Only staff users from the lead agency assigned as a participant on the SA can close and lock an SA. The close out information must be completed and the report response from the company must be marked complete by the EIC to be able to close and lock an SA.\n\nFor a multi-state SA, the Team Lead from each participating agency must confirm that the exam is ready to be closed.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Close and Lock** on the Summary or Close Out tabs.\n\n    \n\n3.  Send a reminder to any participating agencies asking them if the SA is ready to be closed.\n\n    \n\n    The Team Lead from the participating agency receives a notification. They can indicate the SA is ready to be closed by going to the Close Out tab and selecting the **Mark as Ready To Be Closed** button.\n\n    \n\n4.  Select whether to notify the company or suspend document retention.\n\n    **Note:** When closing and locking an exam, you have the option to suspend document retention on the SA. This may be done for legal, investigative hold, or other purposes. Suspension will remain in effect until lifted by your agency. Your agency will receive periodic reminders of all suspended SAs. See the Record Retention and Disposition Schedule for more information.\n\n5.  Add any comments or closure documents for the company.\n\n    **Note:** If you add documents, you must confirm that they are the final versions of the closure documents you want sent to the company. You cannot ma",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\closeOut\\topics\\t_agency_SA_closeout_closeLock-1.md",
      "relative_path": "maps\\SES\\chapter\\closeOut\\topics\\t_agency_SA_closeout_closeLock-1.md",
      "headings": [
        "Closing and Locking a Supervisory Activity {#t_agency_SA_closeout_closeLock .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/closeOut/topics/t_agency_SA_closeout_closeLock-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/closeOut/topics/t_agency_SA_closeout_closeLock-1.md:chunk-1",
      "title": "Closing and Locking a Supervisory Activity {#t_agency_SA_closeout_closeLock .task}",
      "content": "mments or closure documents for the company.\n\n    **Note:** If you add documents, you must confirm that they are the final versions of the closure documents you want sent to the company. You cannot make changes after closing and locking the supervisory activity.\n\n    \n\n6.  Click **Close and Lock**.\n\n    \n\n**Important:** Once the SA is locked, the company can respond to matters requiring attention, but changes to the supervisory activity cannot be made.\n\nIf you added comments or closure documents, they can be viewed on the Close Out tab for the supervisory activity.\n\n**Parent topic:**Closing Out a Supervisory Activity\n\n**Related information**  \n\nEntering Close Out Information\n\nUpdating Close Out Information\n\nSuspending or Resuming Document Retention for a Supervisory Activity",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\closeOut\\topics\\t_agency_SA_closeout_closeLock-1.md",
      "relative_path": "maps\\SES\\chapter\\closeOut\\topics\\t_agency_SA_closeout_closeLock-1.md",
      "headings": [
        "Closing and Locking a Supervisory Activity {#t_agency_SA_closeout_closeLock .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/closeOut/topics/t_agency_SA_closeout_closeLock-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/closeOut/topics/t_agency_SA_closeout_closeLock.md:chunk-0",
      "title": "Closing and Locking a Supervisory Activity {#t_agency_SA_closeout_closeLock .task}",
      "content": "# Closing and Locking a Supervisory Activity \n\nAfter the examiner in charge \\(EIC\\) completes the close out information and marks the report response complete for a supervisory activity \\(SA\\), it can be closed and locked from further updates by the participants on the SA.\n\n-   Entering Close Out Information\n-   Marking Report Response from Company as Complete\n\n**Important:** Once the SA is locked, the company can respond to matters requiring attention, but changes to the supervisory activity cannot be made.\n\n**Note:** Only staff users from the lead agency assigned as a participant on the SA can close and lock an SA. The close out information must be completed and the report response from the company must be marked complete by the EIC to be able to close and lock an SA.\n\nFor a multi-state SA, the Team Lead from each participating agency must confirm that the exam is ready to be closed.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Close and Lock** on the Summary or Close Out tabs.\n\n    \n\n3.  Send a reminder to any participating agencies asking them if the SA is ready to be closed.\n\n    \n\n    The Team Lead from the participating agency receives a notification. They can indicate the SA is ready to be closed by going to the Close Out tab and selecting the **Mark as Ready To Be Closed** button.\n\n    \n\n4.  Select whether to notify the company or suspend document retention.\n\n    **Note:** When closing and locking an exam, you have the option to suspend document retention on the SA. This may be done for legal, investigative hold, or other purposes. Suspension will remain in effect until lifted by your agency. Your agency will receive periodic reminders of all suspended SAs. See the Record Retention and Disposition Schedule for more information.\n\n5.  Add any comments or closure documents for the company.\n\n    **Note:** If you add documents, you must confirm that they are the final versions of the closure documents you want sent to the company. You cannot ma",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\closeOut\\topics\\t_agency_SA_closeout_closeLock.md",
      "relative_path": "maps\\SES\\chapter\\closeOut\\topics\\t_agency_SA_closeout_closeLock.md",
      "headings": [
        "Closing and Locking a Supervisory Activity {#t_agency_SA_closeout_closeLock .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/closeOut/topics/t_agency_SA_closeout_closeLock.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/closeOut/topics/t_agency_SA_closeout_closeLock.md:chunk-1",
      "title": "Closing and Locking a Supervisory Activity {#t_agency_SA_closeout_closeLock .task}",
      "content": "mments or closure documents for the company.\n\n    **Note:** If you add documents, you must confirm that they are the final versions of the closure documents you want sent to the company. You cannot make changes after closing and locking the supervisory activity.\n\n    \n\n6.  Click **Close and Lock**.\n\n    \n\n**Important:** Once the SA is locked, the company can respond to matters requiring attention, but changes to the supervisory activity cannot be made.\n\nIf you added comments or closure documents, they can be viewed on the Close Out tab for the supervisory activity.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\closeOut\\topics\\t_agency_SA_closeout_closeLock.md",
      "relative_path": "maps\\SES\\chapter\\closeOut\\topics\\t_agency_SA_closeout_closeLock.md",
      "headings": [
        "Closing and Locking a Supervisory Activity {#t_agency_SA_closeout_closeLock .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/closeOut/topics/t_agency_SA_closeout_closeLock.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/closeOut/topics/t_agency_SA_closeout_enterInfo-1.md:chunk-0",
      "title": "Entering Close Out Information {#t_agency_SA_closeout_enterInfo .task}",
      "content": "# Entering Close Out Information \n\nOnce the report has been sent to the company, the staff user\\(s\\) or the examiner in charge \\(EIC\\) must enter relevant close out information, including evaluations, ratings, and disposition.\n\n**Note:** Only an agency staff user or the EIC for a supervisory activity can enter close out information.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Close Out** > **Enter Close Out Information**.\n\n    \n\n3.  Select your **Evaluation** for each category of the Key Data Points section.\n\n4.  Assign your **Rating** for each category of the Ratings section.\n\n5.  Select the relevant response in the **Consumer Refunds** and **Disposition** sections.\n\n6.  Enter a **Next Exam Due By** date.\n\n    **Note:** If you are conducting an investigation, you will not have the option to enter a **Next Exam Due By** date.\n\n7.  Enter a **Statutory Requirement Date** or **Risk-Based Date**.\n\n8.  Upload any supporting documentation and add any comments for future exam teams.\n\n9.  Select the **Complete Close Out Information** option.\n\n    \n\n10. Click **Complete Close Out Information**.\n\n    \n\nThis action along with marking the report response complete allows the staff director or staff user to close and lock the supervisory activity.\n\n**Parent topic:**Closing Out a Supervisory Activity\n\n**Related information**  \n\nUpdating Close Out Information\n\nClosing and Locking a Supervisory Activity\n\nSuspending or Resuming Document Retention for a Supervisory Activity",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\closeOut\\topics\\t_agency_SA_closeout_enterInfo-1.md",
      "relative_path": "maps\\SES\\chapter\\closeOut\\topics\\t_agency_SA_closeout_enterInfo-1.md",
      "headings": [
        "Entering Close Out Information {#t_agency_SA_closeout_enterInfo .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/closeOut/topics/t_agency_SA_closeout_enterInfo-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/closeOut/topics/t_agency_SA_closeout_enterInfo.md:chunk-0",
      "title": "Entering Close Out Information {#t_agency_SA_closeout_enterInfo .task}",
      "content": "# Entering Close Out Information \n\nOnce the report has been sent to the company, the staff user\\(s\\) or the examiner in charge \\(EIC\\) must enter relevant close out information, including evaluations, ratings, and disposition.\n\n**Note:** Only an agency staff user or the EIC for a supervisory activity can enter close out information.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Close Out** > **Enter Close Out Information**.\n\n    \n\n3.  Select your **Evaluation** for each category of the Key Data Points section.\n\n4.  Assign your **Rating** for each category of the Ratings section.\n\n5.  Select the relevant response in the **Consumer Refunds** and **Disposition** sections.\n\n6.  Enter a **Next Exam Due By** date.\n\n    **Note:** If you are conducting an investigation, you will not have the option to enter a **Next Exam Due By** date.\n\n7.  Enter a **Statutory Requirement Date** or **Risk-Based Date**.\n\n8.  Upload any supporting documentation and add any comments for future exam teams.\n\n9.  Select the **Complete Close Out Information** option.\n\n    \n\n10. Click **Complete Close Out Information**.\n\n    \n\nThis action along with marking the report response complete allows the staff director or staff user to close and lock the supervisory activity.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\closeOut\\topics\\t_agency_SA_closeout_enterInfo.md",
      "relative_path": "maps\\SES\\chapter\\closeOut\\topics\\t_agency_SA_closeout_enterInfo.md",
      "headings": [
        "Entering Close Out Information {#t_agency_SA_closeout_enterInfo .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/closeOut/topics/t_agency_SA_closeout_enterInfo.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/closeOut/topics/t_agency_closeout_updateInfo-1.md:chunk-0",
      "title": "Updating Close Out Information {#t_agency_closeout_updateInfo .task}",
      "content": "# Updating Close Out Information \n\nAfter the report is in “Complete” status and before the SA is closed, the EIC or staff user can enter and update the close out information on an SA.\n\nEntering Close Out Information\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Close Out** > **Update Close Out Information**.\n\n    \n\n3.  Make the desired updates.\n\n4.  Select the **Complete Close Out Information** option.\n\n    \n\n5.  Click **Complete Close Out Information**.\n\n    \n\nClosing and Locking a Supervisory Activity\n\n**Parent topic:**Closing Out a Supervisory Activity\n\n**Related information**  \n\nEntering Close Out Information\n\nClosing and Locking a Supervisory Activity\n\nSuspending or Resuming Document Retention for a Supervisory Activity",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\closeOut\\topics\\t_agency_closeout_updateInfo-1.md",
      "relative_path": "maps\\SES\\chapter\\closeOut\\topics\\t_agency_closeout_updateInfo-1.md",
      "headings": [
        "Updating Close Out Information {#t_agency_closeout_updateInfo .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/closeOut/topics/t_agency_closeout_updateInfo-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/closeOut/topics/t_agency_closeout_updateInfo.md:chunk-0",
      "title": "Updating Close Out Information {#t_agency_closeout_updateInfo .task}",
      "content": "# Updating Close Out Information \n\nAfter the report is in “Complete” status and before the SA is closed, the EIC or staff user can enter and update the close out information on an SA.\n\nEntering Close Out Information\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Close Out** > **Update Close Out Information**.\n\n    \n\n3.  Make the desired updates.\n\n4.  Select the **Complete Close Out Information** option.\n\n    \n\n5.  Click **Complete Close Out Information**.\n\n    \n\nClosing and Locking a Supervisory Activity",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\closeOut\\topics\\t_agency_closeout_updateInfo.md",
      "relative_path": "maps\\SES\\chapter\\closeOut\\topics\\t_agency_closeout_updateInfo.md",
      "headings": [
        "Updating Close Out Information {#t_agency_closeout_updateInfo .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/closeOut/topics/t_agency_closeout_updateInfo.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/closeOut/topics/t_company_closeOut_reviewing.md:chunk-0",
      "title": "Reviewing Closure Materials {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7fef .task}",
      "content": "# Reviewing Closure Materials \n\nAt the conclusion of a supervisory activity \\(SA\\) for your company, an agency can add comments or closure documents. If comments or closure documents are added to your company’s SA, they can be accessed on the Closure Materials tab for the SA.\n\nFor more information on how long these documents are retained in the system, see the Record Retention and Disposition Schedule in the SES Policies guide.\n\n**Note:** A notification is sent to your company when an agency has closed your supervisory activity.\n\nThe Closure Materials tab only becomes available after an SA is closed and locked by an agency and they have added comments or uploaded closure documents.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Closure Materials**.\n\n    \n\n**Parent topic:**SES Examinations and Investigations Resources for Companies",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\closeOut\\topics\\t_company_closeOut_reviewing.md",
      "relative_path": "maps\\SES\\chapter\\closeOut\\topics\\t_company_closeOut_reviewing.md",
      "headings": [
        "Reviewing Closure Materials {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7fef .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/closeOut/topics/t_company_closeOut_reviewing.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/agency_complaints_refer_sending.md:chunk-0",
      "title": "Sending a Complaint for Referral {#xd_639cae5476ab2d25--35e9ed5d-1808057a2e5--7ff7 .task}",
      "content": "# Sending a Complaint for Referral \n\nAs part of working a complaint, you may realize that it needs to be referred to another agency \\(e.g., the consumer submitted the complaint to the wrong regulatory agency\\).\n\nYou can only refer a complaint prior to information requests being sent to the company. If information requests are not sent to the company, you can refer a complaint any time prior to closure.\n\n**Note:** All Complaint Supervisors and Managers can refer a complaint to another agency. See SES Agency System Roles & Consumer Complaints Roles for more information.\n\n1.  Navigate to the complaint.\n\n    \n\n2.  Click **Related Actions**.\n\n    \n\n3.  Click **Refer Complaint to Another Agency**.\n\n    \n\n4.  Complete the referral form.\n\n    **Note:** You can only refer a complaint to another agency that is actively using SES to process complaints at this time.\n\n    **Note:** If an agency is not actively using SES to process complaints at this time, you can close the complaint and indicated the reason for closure as “Referred to another agency” and identify the desired agency there. See Closing a Complaint for more information.\n\n5.  Click **Submit Referral**.\n\n    All Complaint Supervisors and Managers at the agency to which the complaint was referred receive a notification to accept or reject the referral and the status is displayed on their homepage.\n\n    \n\n    **Note:** If the referral is rejected, you are notified, and the status of the referral is “Rejected” in the system. See Accepting or Rejecting a Complaint Referral for more information.\n\n**Parent topic:**Complaints Referrals",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\agency_complaints_refer_sending.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\agency_complaints_refer_sending.md",
      "headings": [
        "Sending a Complaint for Referral {#xd_639cae5476ab2d25--35e9ed5d-1808057a2e5--7ff7 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/agency_complaints_refer_sending.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/c_agency_comp_SubjSrch-1.md:chunk-0",
      "title": "Searching for the Subject of a Complaint {#xd_639cae5476ab2d25--35e9ed5d-1808057a2e5--7ff3 .concept}",
      "content": "# Searching for the Subject of a Complaint \n\nAfter initiating a complaint, you must search for the company that is the subject of the complaint. There are two options when searching for a subject: entering the subject's Company SES ID if known, or following a guided search wizard.\n\n**Note:** Users with the Complaint Supervisor and Complaint Manager roles can search for the subject of a complaint. See SES Agency System Roles & Consumer Complaints Roles for more information.\n\n## Using Robust Search \n\nYou can search for the subject of a complaint via the **Company Search** option in the top menu bar of the system. See the information in Searching for Subject below for more details.\n\n-   **Entering Subject ID**  \nUse this search option when you know the Company SES ID, Nationwide Multistate Licensing System & Registry ID, Entity Tracking Number, or State License Number for the subject.\n-   **Searching for Subject**  \nUse this search option when you do not know the Company SES ID, Nationwide Multistate Licensing System & Registry ID, Entity Tracking Number, or State License Number for the subject.\n-   **Creating a Non-NMLS Entity**  \nIf you cannot find a record for the subject for your complaint in SES, you must create a non-NMLS Entity. Non-NMLS entities do not have a record in NMLS.\n-   **Accessing the Discussion for a Non-NMLS Entity**  \nThe discussion board allows agencies to share information about companies with consumer complaints, but which are not registered in NMLS.\n\n**Parent topic:**Initiating a Complaint\n\n**Previous topic:**Creating a Complaint from the Company Record\n\n**Next topic:**Entering Subject ID",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\c_agency_comp_SubjSrch-1.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\c_agency_comp_SubjSrch-1.md",
      "headings": [
        "Searching for the Subject of a Complaint {#xd_639cae5476ab2d25--35e9ed5d-1808057a2e5--7ff3 .concept}",
        "Using Robust Search {#section_z44_gft_ltb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/c_agency_comp_SubjSrch-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/c_agency_comp_SubjSrch.md:chunk-0",
      "title": "Searching for the Subject of a Complaint {#xd_639cae5476ab2d25--35e9ed5d-1808057a2e5--7ff3 .concept}",
      "content": "# Searching for the Subject of a Complaint \n\nAfter initiating a complaint, you must search for the company that is the subject of the complaint. There are two options when searching for a subject: entering the subject's Company SES ID if known, or following a guided search wizard.\n\n**Note:** Users with the Complaint Supervisor and Complaint Manager roles can search for the subject of a complaint. See SES Agency System Roles & Consumer Complaints Roles for more information.\n\n## Using Robust Search \n\nYou can search for the subject of a complaint via the **Company Search** option in the top menu bar of the system. See the information in Searching for Subject below for more details.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\c_agency_comp_SubjSrch.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\c_agency_comp_SubjSrch.md",
      "headings": [
        "Searching for the Subject of a Complaint {#xd_639cae5476ab2d25--35e9ed5d-1808057a2e5--7ff3 .concept}",
        "Using Robust Search {#section_z44_gft_ltb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/c_agency_comp_SubjSrch.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/c_agency_compl_entering-1.md:chunk-0",
      "title": "Entering a Complaint {#c_enteringAComplaint .concept}",
      "content": "# Entering a Complaint \n\nAfter Searching for the Subject of a Complaint or creating a Non-NMLS Entity entity, you can enter a complaint in SES.\n\n**Note:** Users with the Complaint Supervisor and Complaint Manager roles can enter a complaint. See SES Agency System Roles & Consumer Complaints Roles for more information.\n\nThe Agency POC is responsible for managing the complaint from start to finish. SES automatically assigns the Agency POC role to the user who enters a complaint into the system unless the complaint is sent for preliminary review. In that case, the person conducting the preliminary review has the option to select an Agency POC for the complaint.\n\n**Note:** Only the agency POC and complaint supervisor can send information requests to the company.\n\n-   **Entering a Complaint for a Company, Branch, or Non-NMLS Entity**  \nCompany, branch, or Non-NMLS Entity Entity information is automatically populated in the Subject Details section and cannot be edited.\n-   **Entering a Complaint for an Individual**  \nThe individual’s Nationwide Multistate Licensing System & Registry ID is carried over from the previous search query and you must enter the individual’s name.\n-   **What Happens After You Enter a Complaint**  \nAfter creating a complaint, SES assigns a unique identifier for each complaint, referred to as the Complaint ID.\n\n**Parent topic:**Initiating a Complaint\n\n**Previous topic:**Accessing the Discussion for a Non-NMLS Entity\n\n**Next topic:**Entering a Complaint for a Company, Branch, or Non-NMLS Entity\n\n**Related information**  \n\nCreating a Non-NMLS Entity",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\c_agency_compl_entering-1.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\c_agency_compl_entering-1.md",
      "headings": [
        "Entering a Complaint {#c_enteringAComplaint .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/c_agency_compl_entering-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/c_agency_compl_entering.md:chunk-0",
      "title": "Entering a Complaint {#c_enteringAComplaint .concept}",
      "content": "# Entering a Complaint \n\nAfter Searching for the Subject of a Complaint or creating a Non-NMLS Entity entity, you can enter a complaint in SES.\n\n**Note:** Users with the Complaint Supervisor and Complaint Manager roles can enter a complaint. See SES Agency System Roles & Consumer Complaints Roles for more information.\n\nThe Agency POC is responsible for managing the complaint from start to finish. SES automatically assigns the Agency POC role to the user who enters a complaint into the system unless the complaint is sent for preliminary review. In that case, the person conducting the preliminary review has the option to select an Agency POC for the complaint.\n\n**Note:** Only the agency POC and complaint supervisor can send information requests to the company.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\c_agency_compl_entering.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\c_agency_compl_entering.md",
      "headings": [
        "Entering a Complaint {#c_enteringAComplaint .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/c_agency_compl_entering.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/c_agency_compl_intake_jobAid.md:chunk-0",
      "title": "SES Consumer Complaints Intake Form {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7fe7 .concept}",
      "content": "# SES Consumer Complaints Intake Form \n\nThe data collected on the State Examination System \\(SES\\) Consumer Complaint Intake Form was determined by the SES Consumer Complaints Working Group, made up of seventeen state agencies. The five sections of the form are represented below for your reference and consideration.\n\n-   **Subject Details**  \nThe Subject Details of the Complaints Intake Form provides information about the company that is the subject of the complaint.\n-   **Complaint Details**  \nComplaint details provide specific information about the origination of the complaint, how it was reported to the agency, and the Business Type and Business Activity of the company that is the subject of the complaint.\n-   **Transaction Details**  \nYou can record the details of a transaction that is the focus of a consumer complaint in the Transaction Details area of the Complaint Intake Form.\n-   **Complainant Details**  \nThe Complainant Details section of a complaint is used by the agency complaint manager or complaint supervisor to record information about the person or entity who originated the complaint.\n-   **Documents**  \nDocuments associated with the complaint can be uploaded to SES, subject to certain restrictions.\n-   **Complaint Categories**  \nComplaint categories describe the specific subject addressed by the complaint, such as identity theft, refunds, overdraft fees, credit reporting, etc.\n\n**Parent topic:**Managing Consumer Complaints",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\c_agency_compl_intake_jobAid.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\c_agency_compl_intake_jobAid.md",
      "headings": [
        "SES Consumer Complaints Intake Form {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7fe7 .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/c_agency_compl_intake_jobAid.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/c_agency_compl_viewCoRecord-1.md:chunk-0",
      "title": "Viewing Complaints on a Company’s Record {#xd_73a64c6f8591aea0--8f1af35-180c8bc4e24--7ff8 .concept}",
      "content": "# Viewing Complaints on a Company’s Record \n\nThere is a wealth of information available on each company record or company profile in SES. You can view a company record by performing a simple search.\n\nThere are also links to companies’ records throughout SES. Agency users with the appropriate permissions to view complaints have access to a Complaints tab. This tab provides viewers with insight into your own agency’s complaints on a particular entity, but also allows you to view other agencies’ complaint activity.\n\n**Parent topic:**Managing Consumer Complaints",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\c_agency_compl_viewCoRecord-1.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\c_agency_compl_viewCoRecord-1.md",
      "headings": [
        "Viewing Complaints on a Company’s Record {#xd_73a64c6f8591aea0--8f1af35-180c8bc4e24--7ff8 .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/c_agency_compl_viewCoRecord-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/c_agency_compl_viewCoRecord.md:chunk-0",
      "title": "Viewing Complaints on a Company’s Record {#xd_73a64c6f8591aea0--8f1af35-180c8bc4e24--7ff8 .concept}",
      "content": "# Viewing Complaints on a Company’s Record \n\nThere is a wealth of information available on each company record or company profile in SES. You can view a company record by performing a simple search.\n\nThere are also links to companies’ records throughout SES. Agency users with the appropriate permissions to view complaints have access to a Complaints tab. This tab provides viewers with insight into your own agency’s complaints on a particular entity, but also allows you to view other agencies’ complaint activity.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\c_agency_compl_viewCoRecord.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\c_agency_compl_viewCoRecord.md",
      "headings": [
        "Viewing Complaints on a Company’s Record {#xd_73a64c6f8591aea0--8f1af35-180c8bc4e24--7ff8 .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/c_agency_compl_viewCoRecord.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/c_agency_complaint_IR_manage-1.md:chunk-0",
      "title": "Managing Information Requests for Complaints {#c_agency_complaint_IR_manage .concept}",
      "content": "# Managing Information Requests for Complaints \n\nAfter entering a complaint, you have the option of creating an Information Requests asking for the company to provide your agency with the documentation necessary to resolve the complaint.\n\n**Note:** Users with the Complaint Supervisor and Complaint Manager roles can add information requests. See SES Agency System Roles & Consumer Complaints Roles for more information.\n\n**Note:** The agency POC and users with the Complaint Manager role can send information requests to the subject of a complaint.\n\n-   **Adding an Information Request to a Complaint**  \nAfter entering a complaint, you have the option of creating an information request asking for the company to provide your agency with the documentation necessary to resolve the complaint.\n-   **Sending an Information Request to the Company**  \nThe agency point of contact for complaints or the complaint manager assigned to the complaint can send the information requests to the company.\n-   **Updating the Due Date for a Single IR**  \nSES allows you to update the due date for individual Information Requests to grant an extension. You can also cancel an IR if it is no longer applicable. A notification is sent to the company for both of these actions.\n-   **Updating Due Dates for IRs in Bulk**  \nSES allows you to update the due date for Information Requests in bulk to grant an extension.\n-   **Canceling Information Requests for a Complaint**  \nYou can also cancel Information Requests that are no longer applicable. A notification is sent to the company for this action.\n-   **Removing Information Requests**  \nYou can remove any Information Requests that are in the “Ready to Send” status.\n-   **Sending Reminders for Information Requests**  \nYou can send a reminder to the company for any information requests that have not been responded to. This reminder sends a notification to the Subject POC for the company. If the complaint does not have a Subject POC assigned, then the Complai",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\c_agency_complaint_IR_manage-1.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\c_agency_complaint_IR_manage-1.md",
      "headings": [
        "Managing Information Requests for Complaints {#c_agency_complaint_IR_manage .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/c_agency_complaint_IR_manage-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/c_agency_complaint_IR_manage-1.md:chunk-1",
      "title": "Managing Information Requests for Complaints {#c_agency_complaint_IR_manage .concept}",
      "content": "any information requests that have not been responded to. This reminder sends a notification to the Subject POC for the company. If the complaint does not have a Subject POC assigned, then the Complaints Contact receives the email notification.\n-   **Responding to a Complaint IR Due Date Extension Request**  \nCompanies can request an extension for the due dates of information requests \\(IRs\\). You can choose to accept or reject their requested due date. You also have the option of entering a new due date for the IR.\n-   **Responding to a Company's Request to Send Back a Complaint IR**  \nAfter sending Information Request responses, the company can request the agency to send back an Information Request in order to update the information in the response. When a company requests an IR to be sent back, you will receive an email notification.\n\n**Parent topic:**Processing Consumer Complaints",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\c_agency_complaint_IR_manage-1.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\c_agency_complaint_IR_manage-1.md",
      "headings": [
        "Managing Information Requests for Complaints {#c_agency_complaint_IR_manage .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/c_agency_complaint_IR_manage-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/c_agency_complaint_IR_manage.md:chunk-0",
      "title": "Managing Information Requests for Complaints {#c_agency_complaint_IR_manage .concept}",
      "content": "# Managing Information Requests for Complaints \n\nAfter entering a complaint, you have the option of creating an Information Requests asking for the company to provide your agency with the documentation necessary to resolve the complaint.\n\n**Note:** Users with the Complaint Supervisor and Complaint Manager roles can add information requests. See SES Agency System Roles & Consumer Complaints Roles for more information.\n\n**Note:** The agency POC and users with the Complaint Manager role can send information requests to the subject of a complaint.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\c_agency_complaint_IR_manage.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\c_agency_complaint_IR_manage.md",
      "headings": [
        "Managing Information Requests for Complaints {#c_agency_complaint_IR_manage .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/c_agency_complaint_IR_manage.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/c_agency_complaintsManaging_chapter.md:chunk-0",
      "title": "Managing Consumer Complaints {#c_agency_complaintsManaging_chapter .concept}",
      "content": "# Managing Consumer Complaints \n\nThis section explains how to view and access complaints, make referrals, and assign an agency point of contact for complaints\n\n-   **Complaints Referrals**  \nAs part of working a complaint, you may realize that it needs to be referred to another agency \\(e.g., the consumer submitted the complaint to the wrong regulatory agency\\).\n-   **Requesting Access to a Complaint**  \nAs an agency complaints user in SES, you have access to view basic information about complaints across all agencies. You can also request access to view the full details of another agency’s complaint.\n-   **Accepting or Rejecting Access to a Complaint from the Homepage Widget**  \nOther agencies can request to view the full details of a complaint owned by your agency. When your agency receives a request to view a complaint, all complaint supervisors at your agency will be notified via email.\n-   **Accepting or Rejecting Access to a Complaint Using the Access Request Report**  \nOther agencies can request to view the full details of a complaint owned by your agency. When your agency receives a request to view a complaint, all complaint supervisors at your agency will be notified via email.\n-   **Removing Agency Access from a Complaint Record**  \nAfter granting another agency access to view the details of a complaint, users assigned the Complaints Supervisor role can remove the access, at any time.\n-   **Removing Agency Access from the Access Request Report Page**  \nAfter granting another agency access to view the details of a complaint, users assigned the Complaints Supervisor role can remove the access, at any time.\n-   **Viewing Complaints on a Company’s Record**  \nThere is a wealth of information available on each company record or company profile in SES. You can view a company record by performing a simple search.\n-   **Viewing All SES Consumer Complaints**  \nYou can also see all consumer complaints that are managed using SES.\n-   **SES Consumer Complaints Intake F",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\c_agency_complaintsManaging_chapter.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\c_agency_complaintsManaging_chapter.md",
      "headings": [
        "Managing Consumer Complaints {#c_agency_complaintsManaging_chapter .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/c_agency_complaintsManaging_chapter.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/c_agency_complaintsManaging_chapter.md:chunk-1",
      "title": "Managing Consumer Complaints {#c_agency_complaintsManaging_chapter .concept}",
      "content": " company record by performing a simple search.\n-   **Viewing All SES Consumer Complaints**  \nYou can also see all consumer complaints that are managed using SES.\n-   **SES Consumer Complaints Intake Form**  \nThe data collected on the State Examination System \\(SES\\) Consumer Complaint Intake Form was determined by the SES Consumer Complaints Working Group, made up of seventeen state agencies. The five sections of the form are represented below for your reference and consideration.\n\n**Parent topic:**SES Consumer Complaints Resources for Agencies",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\c_agency_complaintsManaging_chapter.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\c_agency_complaintsManaging_chapter.md",
      "headings": [
        "Managing Consumer Complaints {#c_agency_complaintsManaging_chapter .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/c_agency_complaintsManaging_chapter.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/c_agency_complaintsProcessing_chapter.md:chunk-0",
      "title": "Processing Consumer Complaints {#c_agency_complaintsProcessing_chapter .concept}",
      "content": "# Processing Consumer Complaints \n\nThis section explains how-to initiate a complaint and conduct the investigation, including entering and reviewing the complaint, managing information requests, adding research and alleged violations, and closing the complaint.\n\n-   **Job Aid: Your First Complaint in SES**  \nThis job aid guides agency complaints users through the creation and completion of their first consumer complaint in the State Examination System \\(SES\\).\n-   **Initiating a Complaint**  \nSES allows agencies to manage complaints. Initiating a complaint is the first step in entering a complaint into the system.\n-   **Canceling a Complaint**  \nIn instances where a complaint was created in error or is no longer needed, an agency complaints user with the ability to manage complaints can cancel a complaint any time before a complaint is closed.\n-   **Completing Preliminary Review of a Complaint**  \nWhen entering a complaint, you have the option of sending it for preliminary review. This functionality is helpful for when a higher profile complaint is being entered and may require further review before it is formally entered into SES.\n-   **Updating a Complaint**  \nAfter entering a complaint, information received from the consumer or the subject may require an update to what was entered into the system when the complaint was first created.\n-   **Update the Related Entities on a Complaint**  \nThe company subject to a consumer complaint may have other supervisory activities, complaints, individuals, companies, or registered agents that are related to the complaint.\n-   **Adding Research and Communication to a Complaint**  \nThe Research and Communication page is used to capture all communications related to a complaint that took place outside of SES. It is also used to document work and research that was done \\(e.g., capturing original complaint information found on the CFPB portal\\).\n-   **Updating Research or Communication for a Complaint**  \nComplaint managers and supe",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\c_agency_complaintsProcessing_chapter.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\c_agency_complaintsProcessing_chapter.md",
      "headings": [
        "Processing Consumer Complaints {#c_agency_complaintsProcessing_chapter .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/c_agency_complaintsProcessing_chapter.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/c_agency_complaintsProcessing_chapter.md:chunk-1",
      "title": "Processing Consumer Complaints {#c_agency_complaintsProcessing_chapter .concept}",
      "content": "nt work and research that was done \\(e.g., capturing original complaint information found on the CFPB portal\\).\n-   **Updating Research or Communication for a Complaint**  \nComplaint managers and supervisors can add research and communication to a consumer complaint. This can be done even after the complaint is closed.\n-   **Changing the Subject of a Complaint**  \nYou can update the subject of a complaint to a different company, branch, individual, or non-NMLS entity.\n-   **Managing Information Requests for Complaints**  \nAfter entering a complaint, you have the option of creating an Information Requests asking for the company to provide your agency with the documentation necessary to resolve the complaint.\n-   **Reviewing Information Request Responses for Complaints**  \nOnce a company responds to your information requests \\(IRs\\), agency complaint users can begin reviewing IR responses. Complaints supervisors and complaints managers can review an IR response from companies and decide if the response is sufficient or requires further detail.\n-   **Entering Alleged Violations**  \nAs part of working a complaint, you can enter any alleged violations you may have discovered.\n-   **Closing a Complaint**  \nAfter working a complaint, you can close it for several reasons. Typically, a complaint is closed once the complaint has been resolved \\(e.g., closed with explanation or monetary relief\\).\n-   **Appending Notes to a Closed Complaint**  \nYou may find that you need to add notes to a closed complaint. For example, a consumer may reach back out with new information about a complaint.\n-   **Reopening a Complaint**  \nYou can reopen a complaint that has been closed for up to one year. If a complaint has been closed for more than one year, you must initiate a new complaint.\n-   **More About SES and Consumer Complaints**  \nThe Consumer Complaints component of the State Examination System \\(SES\\) allows you to manage complaints from a consumer against a company under your supervi",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\c_agency_complaintsProcessing_chapter.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\c_agency_complaintsProcessing_chapter.md",
      "headings": [
        "Processing Consumer Complaints {#c_agency_complaintsProcessing_chapter .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/c_agency_complaintsProcessing_chapter.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/c_agency_complaintsProcessing_chapter.md:chunk-2",
      "title": "Processing Consumer Complaints {#c_agency_complaintsProcessing_chapter .concept}",
      "content": "ore About SES and Consumer Complaints**  \nThe Consumer Complaints component of the State Examination System \\(SES\\) allows you to manage complaints from a consumer against a company under your supervision. This topic answers some of the Frequently Asked Questions about the Consumer Complaints component.\n\n**Parent topic:**SES Consumer Complaints Resources for Agencies",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\c_agency_complaintsProcessing_chapter.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\c_agency_complaintsProcessing_chapter.md",
      "headings": [
        "Processing Consumer Complaints {#c_agency_complaintsProcessing_chapter .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/c_agency_complaintsProcessing_chapter.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/c_agency_complaints_chapter.md:chunk-0",
      "title": "SES Consumer Complaints Resources for Agencies {#c_agency_complaints_chapter .concept}",
      "content": "# SES Consumer Complaints Resources for Agencies \n\nManaging and processing consumer complaints in SES.\n\nThank you for your interest in the State Examination System \\(SES\\). SES is a one-stop-shop for financial services industry supervision that brings an agency’s entire engagement with companies onto a single platform, which in turn brings efficiencies to state supervision.\n\nBelow is a set of resources available to agencies to learn more about using SES to manage consumer complaints.\n\n**Fastpath:** Check out the SES Workflows by SES Training \\(Exams and Complaints\\) to see videos explaining the full process for conducting exams and complaints in SES from both the agency and company perspective.\n\n## Other resources: { .section}\n\n-   SES Complaints Training: This program teaches regulator users how to use the Complaints functionality in SES.\n-   Getting Prepared for SES Consumer Complaints \\(PDF\\): A guide to help you understand SES capabilities and how your agency can use them.\n-   Job Aid: Your First Complaint in SES: A guide to help you complete your first complaint in SES.\n-   Enrolling a Company User for Exams or Complaints: Enroll company users to SES so you can send them complaint information requests.\n-   Creating and Removing Agency Users: Get people in your agency access to SES.\n-   SES Agency System Roles & Consumer Complaints Roles: A summary of the roles and permissions available to your agency’s SES users.\n-   Managing Agency User Accounts: Update your agency’s users’ profiles, update roles, reset passwords, and unlock accounts.\n-   State Examination System \\(SES\\) Agency FAQs: Find answers to common questions about the system.\n-   SES Policies: Contains all SES policies and a glossary of terms.\n-   A Tour of SES: A video geared toward company users that provides an overview of the system.\n-   Information Sharing: Instructional videos that provide information on concepts behind the system.\n-   SES System Releases: Information and tutorials about updates ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\c_agency_complaints_chapter.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\c_agency_complaints_chapter.md",
      "headings": [
        "SES Consumer Complaints Resources for Agencies {#c_agency_complaints_chapter .concept}",
        "Other resources: { .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/c_agency_complaints_chapter.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/c_agency_complaints_chapter.md:chunk-1",
      "title": "SES Consumer Complaints Resources for Agencies {#c_agency_complaints_chapter .concept}",
      "content": "vides an overview of the system.\n-   Information Sharing: Instructional videos that provide information on concepts behind the system.\n-   SES System Releases: Information and tutorials about updates that have been made to the system.\n-   SES Email Notifications\n-   State Examination System Technology Requirements\n\n-   **Managing Consumer Complaints**  \nThis section explains how to view and access complaints, make referrals, and assign an agency point of contact for complaints\n-   **Processing Consumer Complaints**  \nThis section explains how-to initiate a complaint and conduct the investigation, including entering and reviewing the complaint, managing information requests, adding research and alleged violations, and closing the complaint.\n\n**Parent topic:**Consumer Complaints",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\c_agency_complaints_chapter.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\c_agency_complaints_chapter.md",
      "headings": [
        "SES Consumer Complaints Resources for Agencies {#c_agency_complaints_chapter .concept}",
        "Other resources: { .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/c_agency_complaints_chapter.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/c_agency_complaints_initiate-1.md:chunk-0",
      "title": "Initiating a Complaint {#xd_639cae5476ab2d25--35e9ed5d-1808057a2e5--7ff5 .concept}",
      "content": "# Initiating a Complaint \n\nSES allows agencies to manage complaints. Initiating a complaint is the first step in entering a complaint into the system.\n\nYou can enter a complaint for depository or non-depository companies, branches, and individuals whose licenses may or may not be managed in NMLS, as well as Non-NMLS entities.\n\n**Note:** Users with the Complaint Supervisor and Complaint Manager roles can initiate a complaint. See SES Agency System Roles & Consumer Complaints Roles for more information.\n\nSee SES Complaints - More about Consumer Complaint Subjects for more information.\n\nYou can create complaints in two ways:\n\n1.  From the Complaints Component of SES.\n2.  From the Company Record.\n\n1.  Accessing Complaints  \nTo begin entering a complaint, it is recommended that you go to the Complaints application within SES.\n2.  Creating a Complaint from the Company Record  \nYou can create a complaint for a company from the company’s record page in SES.\n3.  Searching for the Subject of a Complaint  \nAfter initiating a complaint, you must search for the company that is the subject of the complaint. There are two options when searching for a subject: entering the subject's Company SES ID if known, or following a guided search wizard.\n4.  Entering a Complaint  \nAfter Searching for the Subject of a Complaint or creating a Non-NMLS Entity entity, you can enter a complaint in SES.\n\n**Parent topic:**Processing Consumer Complaints",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\c_agency_complaints_initiate-1.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\c_agency_complaints_initiate-1.md",
      "headings": [
        "Initiating a Complaint {#xd_639cae5476ab2d25--35e9ed5d-1808057a2e5--7ff5 .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/c_agency_complaints_initiate-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/c_agency_complaints_initiate.md:chunk-0",
      "title": "Initiating a Complaint {#xd_639cae5476ab2d25--35e9ed5d-1808057a2e5--7ff5 .concept}",
      "content": "# Initiating a Complaint \n\nSES allows agencies to manage complaints. Initiating a complaint is the first step in entering a complaint into the system.\n\nYou can enter a complaint for depository or non-depository companies, branches, and individuals whose licenses may or may not be managed in NMLS, as well as Non-NMLS entities.\n\n**Note:** Users with the Complaint Supervisor and Complaint Manager roles can initiate a complaint. See SES Agency System Roles & Consumer Complaints Roles for more information.\n\nSee SES Complaints - More about Consumer Complaint Subjects for more information.\n\nYou can create complaints in two ways:\n\n1.  From the Complaints Component of SES.\n2.  From the Company Record.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\c_agency_complaints_initiate.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\c_agency_complaints_initiate.md",
      "headings": [
        "Initiating a Complaint {#xd_639cae5476ab2d25--35e9ed5d-1808057a2e5--7ff5 .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/c_agency_complaints_initiate.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/c_agency_complaints_referrals-1.md:chunk-0",
      "title": "Complaints Referrals {#xd_639cae5476ab2d25--35e9ed5d-1808057a2e5--7ff8 .concept}",
      "content": "# Complaints Referrals \n\nAs part of working a complaint, you may realize that it needs to be referred to another agency \\(e.g., the consumer submitted the complaint to the wrong regulatory agency\\).\n\nA complaint can only be referred to your agency prior to information requests being sent to the company or prior to closing the complaint if no information request is sent. Your agency can review the referral and choose to either accept or reject it.\n\n**Note:** All Complaint Supervisors and Managers can refer a complaint to another agency. See SES Agency System Roles & Consumer Complaints Roles for more information.\n\n**Note:** All Complaint Supervisors and Managers can accept or reject a complaint referral. See SES Agency System Roles & Consumer Complaints Roles for more information.\n\n-   **Sending a Complaint for Referral**  \nAs part of working a complaint, you may realize that it needs to be referred to another agency \\(e.g., the consumer submitted the complaint to the wrong regulatory agency\\).\n-   **Accepting or Rejecting a Complaint Referral**  \nAfter working a complaint, another agency may refer a complaint to yours \\(e.g., the consumer submitted the complaint to the wrong regulatory agency\\).\n\n**Parent topic:**Managing Consumer Complaints",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\c_agency_complaints_referrals-1.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\c_agency_complaints_referrals-1.md",
      "headings": [
        "Complaints Referrals {#xd_639cae5476ab2d25--35e9ed5d-1808057a2e5--7ff8 .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/c_agency_complaints_referrals-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/c_agency_complaints_referrals.md:chunk-0",
      "title": "Complaints Referrals {#xd_639cae5476ab2d25--35e9ed5d-1808057a2e5--7ff8 .concept}",
      "content": "# Complaints Referrals \n\nAs part of working a complaint, you may realize that it needs to be referred to another agency \\(e.g., the consumer submitted the complaint to the wrong regulatory agency\\).\n\nA complaint can only be referred to your agency prior to information requests being sent to the company or prior to closing the complaint if no information request is sent. Your agency can review the referral and choose to either accept or reject it.\n\n**Note:** All Complaint Supervisors and Managers can refer a complaint to another agency. See SES Agency System Roles & Consumer Complaints Roles for more information.\n\n**Note:** All Complaint Supervisors and Managers can accept or reject a complaint referral. See SES Agency System Roles & Consumer Complaints Roles for more information.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\c_agency_complaints_referrals.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\c_agency_complaints_referrals.md",
      "headings": [
        "Complaints Referrals {#xd_639cae5476ab2d25--35e9ed5d-1808057a2e5--7ff8 .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/c_agency_complaints_referrals.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/c_agency_moreOnComplaints.md:chunk-0",
      "title": "More About SES and Consumer Complaints {#c_agency_moreOnComplaints .concept}",
      "content": "# More About SES and Consumer Complaints \n\nThe Consumer Complaints component of the State Examination System \\(SES\\) allows you to manage complaints from a consumer against a company under your supervision. This topic answers some of the Frequently Asked Questions about the Consumer Complaints component.\n\n## Is the Consumer Complaints application its own system within SES? \n\nYes, the Consumer Complaints component and the Supervisory Activity component of SES talk to each other and share data. For example, agencies can view the count of complaints within the scheduling module which provides a quick link to the company record where you can see the complaints details.\n\n## Is it possible to update or escalate a complaint into an investigation or an exam to the point where the complaint IRs get transferred into the SA record? \n\nNo, not currently. In SES, users may connect a complaint to a supervisory activity \\(exam or investigation\\) at the time the exam is set up, or later by editing the basic exam details.\n\n## If a complaint does find there is a violation of state or federal guidelines, will we be able to issue a letter / action to the company via the complaints system prior to closing the complaint? \n\nAs the functionality stands today, you could potentially send the letter through the information request feature and ask the company to acknowledge receipt of the letter by responding back to your information request. Otherwise, this will need to be done outside of the system.\n\n## What does it mean to be assigned a Consumer Complaints role? \n\nThe Consumer Complaints role is a permission that allows users to view or manage complaints in SES. As of the latest system release \\(2021-08-21\\), users who exclusively use SES Complaints only need to be assigned a Consumer Complaints role. They do not need to be assigned a supervisory activity role. A single user can only hold one Consumer Complaints role. Below is a summary of the Complaint roles:\n\n|Role|Complaint Supervisor|Com",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\c_agency_moreOnComplaints.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\c_agency_moreOnComplaints.md",
      "headings": [
        "More About SES and Consumer Complaints {#c_agency_moreOnComplaints .concept}",
        "Is the Consumer Complaints application its own system within SES? {#ul_at4_b3d_3sb .section}",
        "Is it possible to update or escalate a complaint into an investigation or an exam to the point where the complaint IRs get transferred into the SA record? {#section_dp2_m3d_3sb .section}",
        "If a complaint does find there is a violation of state or federal guidelines, will we be able to issue a letter / action to the company via the complaints system prior to closing the complaint? {#section_bst_m3d_3sb .section}",
        "What does it mean to be assigned a Consumer Complaints role? {#section_h4h_n3d_3sb .section}",
        "How do I access SES? Is this the same as the SES training environment? {#section_hrh_1jd_3sb .section}",
        "Who is using SES? {#section_yjl_z3d_3sb .section}",
        "What are the advantages of the SES Consumer Complaints workflow? {#section_ulr_y3d_3sb .section}",
        "How can my agency best prepare for using SES Consumer Complaints? {#section_fxb_y3d_3sb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/c_agency_moreOnComplaints.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/c_agency_moreOnComplaints.md:chunk-1",
      "title": "More About SES and Consumer Complaints {#c_agency_moreOnComplaints .concept}",
      "content": " role. They do not need to be assigned a supervisory activity role. A single user can only hold one Consumer Complaints role. Below is a summary of the Complaint roles:\n\n|Role|Complaint Supervisor|Complaint Manager|Complaint Viewer|\n|----|--------------------|-----------------|----------------|\n|Description|Has all permissions and receives all notifications for all complaints. Responsible for accepting or rejecting complaint access requests from other agencies.|Has all permissions for all complaints except for the ability to accept or reject access requests to a complaint. Does not receive notifications from the Discussion Board when “All Agency” is tagged in a post.|View-only access to all complaints. Does not receive any notifications and cannot take any actions.|\n\n## How do I access SES? Is this the same as the SES training environment? \n\nThe functionality for SES and the SES training environment is the exact same but the URLs are different. To login to the real or “production” environment, navigate to https://ses.nmls.org.\n\nTo prepare and practice what you learn in the SES Complaints Training program, navigate to the SES Training Environment at sso-training.nmls.org. Here you will use the login credentials found in this eBook.\n\n## Who is using SES? \n\nSee the SES Participation Map.\n\n## What are the advantages of the SES Consumer Complaints workflow? \n\n## How can my agency best prepare for using SES Consumer Complaints? \n\nSee Getting Prepared for SES Consumer Complaints \\(PDF\\).\n\n**Parent topic:**Processing Consumer Complaints",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\c_agency_moreOnComplaints.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\c_agency_moreOnComplaints.md",
      "headings": [
        "More About SES and Consumer Complaints {#c_agency_moreOnComplaints .concept}",
        "Is the Consumer Complaints application its own system within SES? {#ul_at4_b3d_3sb .section}",
        "Is it possible to update or escalate a complaint into an investigation or an exam to the point where the complaint IRs get transferred into the SA record? {#section_dp2_m3d_3sb .section}",
        "If a complaint does find there is a violation of state or federal guidelines, will we be able to issue a letter / action to the company via the complaints system prior to closing the complaint? {#section_bst_m3d_3sb .section}",
        "What does it mean to be assigned a Consumer Complaints role? {#section_h4h_n3d_3sb .section}",
        "How do I access SES? Is this the same as the SES training environment? {#section_hrh_1jd_3sb .section}",
        "Who is using SES? {#section_yjl_z3d_3sb .section}",
        "What are the advantages of the SES Consumer Complaints workflow? {#section_ulr_y3d_3sb .section}",
        "How can my agency best prepare for using SES Consumer Complaints? {#section_fxb_y3d_3sb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/c_agency_moreOnComplaints.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/c_companyComplaint_jobAid-1.md:chunk-0",
      "title": "Job Aid: Your First Complaint in SES {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7fdc .concept}",
      "content": "# Job Aid: Your First Complaint in SES \n\nThis job aid serves as a guide for company complaints users to complete the set-up process for their company \\(“Company Enrollment”\\) and respond to a consumer complaint in the State Examination System \\(SES\\).\n\nIt highlights the basic workflow for responding to a complaint in SES and points out important information along the way. Since the workflow in SES is not specific to any industry or business type, this job aid is relevant for any complaint processed in SES.\n\n## 1. Agency Communicates with Company \n\nWhen an agency has received a consumer complaint they wish to process in SES, they will first communicate with the company to inform the entity about the complaint and their intended use of SES.\n\n**Remember:** Your company may receive notifications from multiple state agencies regarding their anticipated use of SES. If the notifications looked similar, it’s because CSBS has provided agencies with communication templates to assist with their transition to SES.\n\n## 2. Agency Initiates SES Company Enrollment \n\nThe SES Company Enrollment process was designed so that the agency creates the first user of the company as they likely know who is best suited to handle the complaint on behalf of the company.\n\n**Tip:** SES displays the NMLS Contact Person and the NMLS Complaints Contact if provided by the company in NMLS. To help ensure the right individuals are identified as the appropriate company contacts by the agency, it is recommended that you make sure your contacts in NMLS are correct and regularly updated as needed.\n\n## 3. Company Completes SES Company Enrollment \n\nAfter the agency enrolls the appropriate individual, the company user is notified via email. The company notification provides the steps company users must take to access the system.\n\nWatch the Company Enrollment video \\(6:30 mins\\) to learn more, including:\n\n-   How agencies initiate enrollment;\n-   How to ensure your information is captured in SES if your company",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\c_companyComplaint_jobAid-1.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\c_companyComplaint_jobAid-1.md",
      "headings": [
        "Job Aid: Your First Complaint in SES {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7fdc .concept}",
        "1. Agency Communicates with Company {#section_cmq_2xc_rtb .section}",
        "2. Agency Initiates SES Company Enrollment {#section_l1l_3xc_rtb .section}",
        "3. Company Completes SES Company Enrollment {#section_fzz_5wc_rtb .section}",
        "4. SES Complaints Contact Assigns the Company POC {#section_jy5_nyc_rtb .section}",
        "5. POC Responds to Information Request \\(IR\\) {#section_ocd_zwc_rtb .section}",
        "SES Company Resources {#section_fx2_nxc_rtb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/c_companyComplaint_jobAid-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/c_companyComplaint_jobAid-1.md:chunk-1",
      "title": "Job Aid: Your First Complaint in SES {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7fdc .concept}",
      "content": "ess the system.\n\nWatch the Company Enrollment video \\(6:30 mins\\) to learn more, including:\n\n-   How agencies initiate enrollment;\n-   How to ensure your information is captured in SES if your company is not regulated on NMLS;\n-   Information about Okta and how to set up your multi-factor authentication tool;\n-   A guided demonstration of all system pages completed during the enrollment process;\n-   Information on account management, including assigning contacts, user account creation, and roles;\n-   And, outstanding tasks – what to look for once you’ve completed enrollment!\n\n## 4. SES Complaints Contact Assigns the Company POC \n\nIf you watched the video provided in the last step, you’ll know that the SES Complaint Contact is responsible for assigning a Company Point of Contact \\(POC\\) to each complaint received in SES. In turn, the Company POC oversees the complaint and is responsible for responding to the agency’s information request.\n\n## 5. POC Responds to Information Request \\(IR\\) \n\nAs Company POC, they may assign other company users to assist with drafting responses. However, only the Company POC can submit a response to the agency. Responses can be saved in draft and can also be marked for restricted access so that only the Company POC and the agency can see the response. Once the response has been sent, your job is done until you receive an update from SES. The agency is automatically notified of the submission and the status is updated to ‘Sent’ in SES.\n\nIn SES, responses can be sent via:\n\n-   On-screen text\n    -   4,000 characters limit\n-   Document upload\n\n    Please note the following restrictions with regard to file uploads in SES. It is recommended to use a ZIP folder or File Sharing Links when uploading large files or more than 25 files at a time.\n\n    -   **File formats supported**: SES will accept all file formats, but the following commonly supported file types are recommended: PDF, Word®, Excel®, CSV, ZIP\n    -   **Max file size**: 1 GB\n    -   *",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\c_companyComplaint_jobAid-1.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\c_companyComplaint_jobAid-1.md",
      "headings": [
        "Job Aid: Your First Complaint in SES {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7fdc .concept}",
        "1. Agency Communicates with Company {#section_cmq_2xc_rtb .section}",
        "2. Agency Initiates SES Company Enrollment {#section_l1l_3xc_rtb .section}",
        "3. Company Completes SES Company Enrollment {#section_fzz_5wc_rtb .section}",
        "4. SES Complaints Contact Assigns the Company POC {#section_jy5_nyc_rtb .section}",
        "5. POC Responds to Information Request \\(IR\\) {#section_ocd_zwc_rtb .section}",
        "SES Company Resources {#section_fx2_nxc_rtb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/c_companyComplaint_jobAid-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/c_companyComplaint_jobAid-1.md:chunk-2",
      "title": "Job Aid: Your First Complaint in SES {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7fdc .concept}",
      "content": "   **File formats supported**: SES will accept all file formats, but the following commonly supported file types are recommended: PDF, Word®, Excel®, CSV, ZIP\n    -   **Max file size**: 1 GB\n    -   **For files larger than 1 GB[^1]:**\n        -   Use ZIP compression to reduce file to less than 1 GB[^1]\n        -   Split the file into multiple smaller files\n        -   Use File Sharing Links.\n    -   **Max no. characters per file name:** 200\n    -   **Max no. files per upload**: 25, for uploads larger than 25 total files:\n        1.  Upload first 25.\n        2.  Select the **Save Draft** option in Available Next Actions then click the **Save Draft** button.\n\n            **Note:** You may need to refresh the screen to see that the files have uploaded to the system.\n\n        3.  Return to the response screen to upload the next 25 files and repeat.\n    -   **Total no. files**: unlimited\n-   External file sharing link\n    -   For files that exceed 1GB\n\nIf additional information is needed, the agency can send the response back to the company for updates or create a new information request for your company to respond to in SES. Once the response\\(s\\) meets the needs of the agency, the agency will then close the complaint, triggering a closure notification to the company.\n\n## SES Company Resources \n\nBe sure to check out the SES Quick Start Guide for Companies. If you have any additional questions, please contact the NMLS and SES Call Center by telephone \\(1-800-269-6189\\) for assistance.\n\n\n\nDay of the Week\n\n\n\nFull Access\n\n\n\nLimited Access[^2]\n\n\n\n**All Times Eastern**\n\n\n\nMonday through Friday\n\n\n\n9:00 AM – 6:00 PM\n\n\n\n6:00 PM – 9:00 AM\n\n\n\nSaturday & Sunday\n\n\n\n \n\n\n\nAll Day\n\n\n\nNew Year's Day\n\n Martin Luther King Jr. Day\n\n President's Day\n\n Memorial Day\n\n Juneteenth\n\n Independence Day\n\n Labor Day\n\n Thanksgiving Day\n\n Christmas Day.\n\n\n\n \n\n\n\nAll Day\n\n\n**Parent topic:**SES Consumer Complaints Resources for Companies\n\n[^1]: For documents uploaded to the Interactions tab, the maximum ",
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      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\c_companyComplaint_jobAid-1.md",
      "headings": [
        "Job Aid: Your First Complaint in SES {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7fdc .concept}",
        "1. Agency Communicates with Company {#section_cmq_2xc_rtb .section}",
        "2. Agency Initiates SES Company Enrollment {#section_l1l_3xc_rtb .section}",
        "3. Company Completes SES Company Enrollment {#section_fzz_5wc_rtb .section}",
        "4. SES Complaints Contact Assigns the Company POC {#section_jy5_nyc_rtb .section}",
        "5. POC Responds to Information Request \\(IR\\) {#section_ocd_zwc_rtb .section}",
        "SES Company Resources {#section_fx2_nxc_rtb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/c_companyComplaint_jobAid-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/c_companyComplaint_jobAid-1.md:chunk-3",
      "title": "Job Aid: Your First Complaint in SES {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7fdc .concept}",
      "content": "y\n\n Labor Day\n\n Thanksgiving Day\n\n Christmas Day.\n\n\n\n \n\n\n\nAll Day\n\n\n**Parent topic:**SES Consumer Complaints Resources for Companies\n\n[^1]: For documents uploaded to the Interactions tab, the maximum file size is 25 MB.\n[^2]: During periods of Limited Availability, the System will be operational, but availability may not be guaranteed. The system may experience periods of planned or emergency maintenance.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\c_companyComplaint_jobAid-1.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\c_companyComplaint_jobAid-1.md",
      "headings": [
        "Job Aid: Your First Complaint in SES {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7fdc .concept}",
        "1. Agency Communicates with Company {#section_cmq_2xc_rtb .section}",
        "2. Agency Initiates SES Company Enrollment {#section_l1l_3xc_rtb .section}",
        "3. Company Completes SES Company Enrollment {#section_fzz_5wc_rtb .section}",
        "4. SES Complaints Contact Assigns the Company POC {#section_jy5_nyc_rtb .section}",
        "5. POC Responds to Information Request \\(IR\\) {#section_ocd_zwc_rtb .section}",
        "SES Company Resources {#section_fx2_nxc_rtb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/c_companyComplaint_jobAid-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/c_companyComplaint_jobAid.md:chunk-0",
      "title": "Job Aid: Your First Complaint in SES {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7fdc .concept}",
      "content": "# Job Aid: Your First Complaint in SES \n\nThis job aid serves as a guide for company complaints users to complete the set-up process for their company \\(“Company Enrollment”\\) and respond to a consumer complaint in the State Examination System \\(SES\\).\n\nIt highlights the basic workflow for responding to a complaint in SES and points out important information along the way. Since the workflow in SES is not specific to any industry or business type, this job aid is relevant for any complaint processed in SES.\n\n## 1. Agency Communicates with Company \n\nWhen an agency has received a consumer complaint they wish to process in SES, they will first communicate with the company to inform the entity about the complaint and their intended use of SES.\n\n**Remember:** Your company may receive notifications from multiple state agencies regarding their anticipated use of SES. If the notifications looked similar, it’s because CSBS has provided agencies with communication templates to assist with their transition to SES.\n\n## 2. Agency Initiates SES Company Enrollment \n\nThe SES Company Enrollment process was designed so that the agency creates the first user of the company as they likely know who is best suited to handle the complaint on behalf of the company.\n\n**Tip:** SES displays the NMLS Contact Person and the NMLS Complaints Contact if provided by the company in NMLS. To help ensure the right individuals are identified as the appropriate company contacts by the agency, it is recommended that you make sure your contacts in NMLS are correct and regularly updated as needed.\n\n## 3. Company Completes SES Company Enrollment \n\nAfter the agency enrolls the appropriate individual, the company user is notified via email. The company notification provides the steps company users must take to access the system.\n\nWatch the Company Enrollment video \\(6:30 mins\\) to learn more, including:\n\n-   How agencies initiate enrollment;\n-   How to ensure your information is captured in SES if your company",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\c_companyComplaint_jobAid.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\c_companyComplaint_jobAid.md",
      "headings": [
        "Job Aid: Your First Complaint in SES {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7fdc .concept}",
        "1. Agency Communicates with Company {#section_cmq_2xc_rtb .section}",
        "2. Agency Initiates SES Company Enrollment {#section_l1l_3xc_rtb .section}",
        "3. Company Completes SES Company Enrollment {#section_fzz_5wc_rtb .section}",
        "4. SES Complaints Contact Assigns the Company POC {#section_jy5_nyc_rtb .section}",
        "5. POC Responds to Information Request \\(IR\\) {#section_ocd_zwc_rtb .section}",
        "SES Company Resources {#section_fx2_nxc_rtb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/c_companyComplaint_jobAid.html",
      "snippet": null
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      "id": "maps/SES/chapter/complaint/topics/c_companyComplaint_jobAid.md:chunk-1",
      "title": "Job Aid: Your First Complaint in SES {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7fdc .concept}",
      "content": "ess the system.\n\nWatch the Company Enrollment video \\(6:30 mins\\) to learn more, including:\n\n-   How agencies initiate enrollment;\n-   How to ensure your information is captured in SES if your company is not regulated on NMLS;\n-   Information about Okta and how to set up your multi-factor authentication tool;\n-   A guided demonstration of all system pages completed during the enrollment process;\n-   Information on account management, including assigning contacts, user account creation, and roles;\n-   And, outstanding tasks – what to look for once you’ve completed enrollment!\n\n## 4. SES Complaints Contact Assigns the Company POC \n\nIf you watched the video provided in the last step, you’ll know that the SES Complaint Contact is responsible for assigning a Company Point of Contact \\(POC\\) to each complaint received in SES. In turn, the Company POC oversees the complaint and is responsible for responding to the agency’s information request.\n\n## 5. POC Responds to Information Request \\(IR\\) \n\nAs Company POC, they may assign other company users to assist with drafting responses. However, only the Company POC can submit a response to the agency. Responses can be saved in draft and can also be marked for restricted access so that only the Company POC and the agency can see the response. Once the response has been sent, your job is done until you receive an update from SES. The agency is automatically notified of the submission and the status is updated to ‘Sent’ in SES.\n\nIn SES, responses can be sent via:\n\n-   On-screen text\n    -   4,000 characters limit\n-   Document upload\n\n    Please note the following restrictions with regard to file uploads in SES. It is recommended to use a ZIP folder or File Sharing Links when uploading large files or more than 25 files at a time.\n\n    -   **File formats supported**: SES will accept all file formats, but the following commonly supported file types are recommended: PDF, Word®, Excel®, CSV, ZIP\n    -   **Max file size**: 1 GB\n    -   *",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\c_companyComplaint_jobAid.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\c_companyComplaint_jobAid.md",
      "headings": [
        "Job Aid: Your First Complaint in SES {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7fdc .concept}",
        "1. Agency Communicates with Company {#section_cmq_2xc_rtb .section}",
        "2. Agency Initiates SES Company Enrollment {#section_l1l_3xc_rtb .section}",
        "3. Company Completes SES Company Enrollment {#section_fzz_5wc_rtb .section}",
        "4. SES Complaints Contact Assigns the Company POC {#section_jy5_nyc_rtb .section}",
        "5. POC Responds to Information Request \\(IR\\) {#section_ocd_zwc_rtb .section}",
        "SES Company Resources {#section_fx2_nxc_rtb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/c_companyComplaint_jobAid.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/c_companyComplaint_jobAid.md:chunk-2",
      "title": "Job Aid: Your First Complaint in SES {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7fdc .concept}",
      "content": "   **File formats supported**: SES will accept all file formats, but the following commonly supported file types are recommended: PDF, Word®, Excel®, CSV, ZIP\n    -   **Max file size**: 1 GB\n    -   **For files larger than 1 GB[^1]:**\n        -   Use ZIP compression to reduce file to less than 1 GB[^1]\n        -   Split the file into multiple smaller files\n        -   Use File Sharing Links.\n    -   **Max no. characters per file name:** 200\n    -   **Max no. files per upload**: 25, for uploads larger than 25 total files:\n        1.  Upload first 25.\n        2.  Select the **Save Draft** option in Available Next Actions then click the **Save Draft** button.\n\n            **Note:** You may need to refresh the screen to see that the files have uploaded to the system.\n\n        3.  Return to the response screen to upload the next 25 files and repeat.\n    -   **Total no. files**: unlimited\n-   External file sharing link\n    -   For files that exceed 1GB\n\nIf additional information is needed, the agency can send the response back to the company for updates or create a new information request for your company to respond to in SES. Once the response\\(s\\) meets the needs of the agency, the agency will then close the complaint, triggering a closure notification to the company.\n\n## SES Company Resources \n\nBe sure to check out the SES Quick Start Guide for Companies. If you have any additional questions, please contact the NMLS and SES Call Center by telephone \\(1-800-269-6189\\) for assistance.\n\n\n\nDay of the Week\n\n\n\nFull Access\n\n\n\nLimited Access[^2]\n\n\n\n**All Times Eastern**\n\n\n\nMonday through Friday\n\n\n\n9:00 AM – 6:00 PM\n\n\n\n6:00 PM – 9:00 AM\n\n\n\nSaturday & Sunday\n\n\n\n \n\n\n\nAll Day\n\n\n\nNew Year's Day\n\n Martin Luther King Jr. Day\n\n President's Day\n\n Memorial Day\n\n Juneteenth\n\n Independence Day\n\n Labor Day\n\n Thanksgiving Day\n\n Christmas Day.\n\n\n\n \n\n\n\nAll Day\n\n\n[^1]: For documents uploaded to the Interactions tab, the maximum file size is 25 MB.\n[^2]: During periods of Limited Availability, ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\c_companyComplaint_jobAid.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\c_companyComplaint_jobAid.md",
      "headings": [
        "Job Aid: Your First Complaint in SES {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7fdc .concept}",
        "1. Agency Communicates with Company {#section_cmq_2xc_rtb .section}",
        "2. Agency Initiates SES Company Enrollment {#section_l1l_3xc_rtb .section}",
        "3. Company Completes SES Company Enrollment {#section_fzz_5wc_rtb .section}",
        "4. SES Complaints Contact Assigns the Company POC {#section_jy5_nyc_rtb .section}",
        "5. POC Responds to Information Request \\(IR\\) {#section_ocd_zwc_rtb .section}",
        "SES Company Resources {#section_fx2_nxc_rtb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/c_companyComplaint_jobAid.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/c_companyComplaint_jobAid.md:chunk-3",
      "title": "Job Aid: Your First Complaint in SES {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7fdc .concept}",
      "content": "y\n\n Labor Day\n\n Thanksgiving Day\n\n Christmas Day.\n\n\n\n \n\n\n\nAll Day\n\n\n[^1]: For documents uploaded to the Interactions tab, the maximum file size is 25 MB.\n[^2]: During periods of Limited Availability, the System will be operational, but availability may not be guaranteed. The system may experience periods of planned or emergency maintenance.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\c_companyComplaint_jobAid.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\c_companyComplaint_jobAid.md",
      "headings": [
        "Job Aid: Your First Complaint in SES {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7fdc .concept}",
        "1. Agency Communicates with Company {#section_cmq_2xc_rtb .section}",
        "2. Agency Initiates SES Company Enrollment {#section_l1l_3xc_rtb .section}",
        "3. Company Completes SES Company Enrollment {#section_fzz_5wc_rtb .section}",
        "4. SES Complaints Contact Assigns the Company POC {#section_jy5_nyc_rtb .section}",
        "5. POC Responds to Information Request \\(IR\\) {#section_ocd_zwc_rtb .section}",
        "SES Company Resources {#section_fx2_nxc_rtb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/c_companyComplaint_jobAid.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/c_company_compl_Closure.md:chunk-0",
      "title": "Complaint Closure {#xd_96825d0f6ace1389-119a2d97-181fa4540b8--7ffd .concept}",
      "content": "# Complaint Closure \n\nWhat happens when the agency closes the complaint.\n\nOnce the agency closes a complaint, the status changes from \"Open\" to \"Closed.\" If the agency provided any comments or documentation when closing the complaint, you can view them under the \"Closure Materials\" tab for your complaint.\n\nIf warranted, the agency may reopen the closed complaint within one year of the closure date. This may happen if the complaint was closed in error or the consumer comes back with more information that they didn't have inititally.\n\n**Parent topic:**SES Consumer Complaints Resources for Companies",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\c_company_compl_Closure.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\c_company_compl_Closure.md",
      "headings": [
        "Complaint Closure {#xd_96825d0f6ace1389-119a2d97-181fa4540b8--7ffd .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/c_company_compl_Closure.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/c_company_compl_asssignPOC-1.md:chunk-0",
      "title": "Assigning and Reassigning the Company POC {#c_asssigningReassigningCompanyPOC .concept}",
      "content": "# Assigning and Reassigning the Company POC \n\nWhen a complaint is received for your company, you must assign a point of contact \\(POC\\) for the complaint.\n\n**Note:** The SES Complaints Contact and the company's account administrator receives the task to assign the Company POC. See Company User Enrollment for more information.\n\nThe Complaints Company POC is the individual responsible for sending complaint IR responses to the agency. This person can also review and update responses drafted by other complaints users.\n\n-   **Assigning Company POC**  \nWhen a complaint is received for your company, you must assign a point of contact \\(POC\\) for the complaint.\n-   **Reassigning Company POC**  \nThe point of contact for a complaint can be reassigned.\n\n**Parent topic:**SES Consumer Complaints Resources for Companies",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\c_company_compl_asssignPOC-1.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\c_company_compl_asssignPOC-1.md",
      "headings": [
        "Assigning and Reassigning the Company POC {#c_asssigningReassigningCompanyPOC .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/c_company_compl_asssignPOC-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/c_company_compl_asssignPOC.md:chunk-0",
      "title": "Assigning and Reassigning the Company POC {#c_asssigningReassigningCompanyPOC .concept}",
      "content": "# Assigning and Reassigning the Company POC \n\nWhen a complaint is received for your company, you must assign a point of contact \\(POC\\) for the complaint.\n\n**Note:** The SES Complaints Contact and the company's account administrator receives the task to assign the Company POC. See Company User Enrollment for more information.\n\nThe Complaints Company POC is the individual responsible for sending complaint IR responses to the agency. This person can also review and update responses drafted by other complaints users.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\c_company_compl_asssignPOC.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\c_company_compl_asssignPOC.md",
      "headings": [
        "Assigning and Reassigning the Company POC {#c_asssigningReassigningCompanyPOC .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/c_company_compl_asssignPOC.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/c_company_compl_respond_IR-1.md:chunk-0",
      "title": "Responding to a Complaint Information Request {#c_respondingToComplaintIR .concept}",
      "content": "# Responding to a Complaint Information Request \n\nAgencies can send information requests \\(IRs\\) regarding a complaint through SES. This article explains how to respond to those information requests.\n\n**Note:** Users assigned a Consumer Complaints role can draft IR responses, but only the Company POC can send IR responses to the agency. See Managing Company User Accounts and Assigning and Reassigning the Company POC for more information.\n\n**Note:** The SES Complaints Contact and the company's account administrator receives the task to assign the Company POC. See Company User Enrollment for more information.\n\nThe Company Complaints Contact is the user who received the initial notification of a new Complaint in SES and is responsible for managing the Company POC assigned to the Complaint.\n\nThe Complaints Company POC is the individual responsible for sending complaint IR responses to the agency. This person can also review and update responses drafted by other complaints users.\n\n-   **Adding Information Request Responses**  \nHow to add an information request response to a consumer complaint.\n-   **Sending Information Request Responses**  \nThe Company POC can send information request responses to the agency that are in a “Ready to Send” status.\n\n**Parent topic:**SES Consumer Complaints Resources for Companies",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\c_company_compl_respond_IR-1.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\c_company_compl_respond_IR-1.md",
      "headings": [
        "Responding to a Complaint Information Request {#c_respondingToComplaintIR .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/c_company_compl_respond_IR-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/c_company_compl_respond_IR.md:chunk-0",
      "title": "Responding to a Complaint Information Request {#c_respondingToComplaintIR .concept}",
      "content": "# Responding to a Complaint Information Request \n\nAgencies can send information requests \\(IRs\\) regarding a complaint through SES. This article explains how to respond to those information requests.\n\n**Note:** Users assigned a Consumer Complaints role can draft IR responses, but only the Company POC can send IR responses to the agency. See Managing Company User Accounts and Assigning and Reassigning the Company POC for more information.\n\n**Note:** The SES Complaints Contact and the company's account administrator receives the task to assign the Company POC. See Company User Enrollment for more information.\n\nThe Company Complaints Contact is the user who received the initial notification of a new Complaint in SES and is responsible for managing the Company POC assigned to the Complaint.\n\nThe Complaints Company POC is the individual responsible for sending complaint IR responses to the agency. This person can also review and update responses drafted by other complaints users.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\c_company_compl_respond_IR.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\c_company_compl_respond_IR.md",
      "headings": [
        "Responding to a Complaint Information Request {#c_respondingToComplaintIR .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/c_company_compl_respond_IR.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/c_jobAidYourFirstComplaint_SES-1.md:chunk-0",
      "title": "Job Aid: Your First Complaint in SES {#c_jobAidYourFirstComplaint_SES .concept}",
      "content": "# Job Aid: Your First Complaint in SES \n\nThis job aid guides agency complaints users through the creation and completion of their first consumer complaint in the State Examination System \\(SES\\).\n\n## Purpose \n\nThis Job Aid highlights the basic workflow for processing a complaint in SES and underlines important information along the way. Since the workflow in SES is not specific to any industry or business type, this job aid is relevant for any complaint conducted in SES.\n\n## Basic Flow for Processing a Complaint in SES \n\n## 1. Company Communication \n\nEach agency will need to decide when to communicate with companies about their agency’s use of the SES Consumer Complaints functionality. Consult the Agency Guidelines to Enroll New Companies in SES article for helpful resources, including industry communication templates and a recommended communications approach to assist with this process.\n\n**Note:** User Feedback\n\nAgencies currently using the functionality have reported success with sending targeted communication to their supervised companies. Members of industry have also expressed appreciation for early notification allowing them to appropriately react and prepare for this change.\n\n## 2. Complaint Initiation \n\nAgency users enter complaint details, based on information provided by the complainant outside of SES, on to the complaint intake form. To get familiar, take a look at the SES Consumer Complaints Intake Form to see what type of information is captured within SES on a complaint.\n\n**Note:** At this time, consumers or complainants cannot interact with SES Consumer Complaints. The functionality currently supports the work of state agencies and their supervised entities to resolve consumer complaints.\n\n## 3. Create and Send Information Request \\(IR\\) \n\nAfter Step 3 is complete, the system will assign the Complaint ID, a unique identifier that can be used to access the complaint record in SES.\n\nThe article SES Consumer Complaints – More about the Information Reques",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\c_jobAidYourFirstComplaint_SES-1.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\c_jobAidYourFirstComplaint_SES-1.md",
      "headings": [
        "Job Aid: Your First Complaint in SES {#c_jobAidYourFirstComplaint_SES .concept}",
        "Purpose {#section_h5m_gfh_1rb .section}",
        "Basic Flow for Processing a Complaint in SES {#section_qgf_3fh_1rb .section}",
        "1. Company Communication {#section_sys_hfh_1rb .section}",
        "2. Complaint Initiation {#section_nzl_3fh_1rb .section}",
        "3. Create and Send Information Request \\(IR\\) {#section_awq_3fh_1rb .section}",
        "4. Company Enrollment {#section_z5x_3fh_1rb .section}",
        "5. Company Completes Enrollment and Responds to IR {#section_et2_jfh_1rb .section}",
        "6. Agency Reacts to IR Response {#section_f4n_jfh_1rb .section}",
        "7. Updating and Resolving Complaint {#section_vhs_jfh_1rb .section}",
        "8. Record is Closed and Locked {#section_ofx_jfh_1rb .section}",
        "SES Agency Resources {#section_elb_kfh_1rb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/c_jobAidYourFirstComplaint_SES-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/c_jobAidYourFirstComplaint_SES-1.md:chunk-1",
      "title": "Job Aid: Your First Complaint in SES {#c_jobAidYourFirstComplaint_SES .concept}",
      "content": " complete, the system will assign the Complaint ID, a unique identifier that can be used to access the complaint record in SES.\n\nThe article SES Consumer Complaints – More about the Information Request Exchange explains how IRs provides the ability to request information and documentation from the company to move forward with processing the complaint.\n\n**Note:** Latest System Update\n\nRecent updates to SES enable agency users to enroll a company user while sending the information request. This is another improvement generated from user feedback. Keep in mind, the company will need adequate time to complete enrollment and become familiar with system functionality before they can respond to the request.\n\n## 4. Company Enrollment \n\nIf you decide to communicate with the company via a complaint information request, the agency must first initiate the company enrollment process. This process is referred to as Company Enrollment. It was designed so that the agency, who has the most accurate information about the company, would create the first user of the company as they would know who is best suited to handle the complaint on behalf of the company.\n\n**Tip:** SES displays the NMLS Contact Person and the NMLS Complaints Contact if provided by the company in NMLS. These listed individuals are for reference only and could be outdated if not updated regularly in NMLS by the company. Agencies are encouraged to contact the company outside of SES prior to initiating the enrollment process in the system.\n\nAfter the agency enrolls the appropriate individual, the company user is notified via email. The company notification provides the steps company users must take to access the system. If you are interested in learning more, we recommend watching the Company Enrollment in SES – How it Works.\n\n## 5. Company Completes Enrollment and Responds to IR \n\nA Company POC must be assigned for each new complaint received by the company. The POC is in charge of responding to information requests ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\c_jobAidYourFirstComplaint_SES-1.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\c_jobAidYourFirstComplaint_SES-1.md",
      "headings": [
        "Job Aid: Your First Complaint in SES {#c_jobAidYourFirstComplaint_SES .concept}",
        "Purpose {#section_h5m_gfh_1rb .section}",
        "Basic Flow for Processing a Complaint in SES {#section_qgf_3fh_1rb .section}",
        "1. Company Communication {#section_sys_hfh_1rb .section}",
        "2. Complaint Initiation {#section_nzl_3fh_1rb .section}",
        "3. Create and Send Information Request \\(IR\\) {#section_awq_3fh_1rb .section}",
        "4. Company Enrollment {#section_z5x_3fh_1rb .section}",
        "5. Company Completes Enrollment and Responds to IR {#section_et2_jfh_1rb .section}",
        "6. Agency Reacts to IR Response {#section_f4n_jfh_1rb .section}",
        "7. Updating and Resolving Complaint {#section_vhs_jfh_1rb .section}",
        "8. Record is Closed and Locked {#section_ofx_jfh_1rb .section}",
        "SES Agency Resources {#section_elb_kfh_1rb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/c_jobAidYourFirstComplaint_SES-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/c_jobAidYourFirstComplaint_SES-1.md:chunk-2",
      "title": "Job Aid: Your First Complaint in SES {#c_jobAidYourFirstComplaint_SES .concept}",
      "content": "rks.\n\n## 5. Company Completes Enrollment and Responds to IR \n\nA Company POC must be assigned for each new complaint received by the company. The POC is in charge of responding to information requests and serves as the person in charge of the complaint from the company’s perspective. The SES Call Center is available to assist company users with the steps listed above at1-800-269-6189.\n\n## 6. Agency Reacts to IR Response \n\nOnce Step 5. Company Completes Enrollment and Responds to IR is completed by the company, the agency should receive an email notification alerting them of a new information request response. The agency may also use the Viewing the SA IR Response Activity Report to monitor incoming responses from companies.\n\nIf the IR response provided is satisfactory, you can choose to move on to closing the complaint. Otherwise, additional information requests can be created and sent, or the existing information request can be sent back to the company to allow them to respond again.\n\n## 7. Updating and Resolving Complaint \n\nThe original complaint details provided on the complaint intake form can be edited at any point before complaint closure. When closing a complaint, the agency user will choose from a predefined list of closure reasons and is given the ability to add closure notes, and denote monetary relief paid out to the complainant, if applicable.\n\n## 8. Record is Closed and Locked \n\nAfter a complaint is closed, the complaint record is locked, and the Record Retention and Disposition Schedule are activated. All uploaded documentation associated to a complaint is accessible for 6 years after the complaint closure date. While the record remains locked after closure, agency users have the ability to add notes to closed complaints as applicable.\n\n## SES Agency Resources \n\nBe sure to check out the SES Agency System Roles & Consumer Complaints Roles accessible at the SES Portal: https://portal.stateexaminationsystem.org.\n\nFor more information or support, contact th",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\c_jobAidYourFirstComplaint_SES-1.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\c_jobAidYourFirstComplaint_SES-1.md",
      "headings": [
        "Job Aid: Your First Complaint in SES {#c_jobAidYourFirstComplaint_SES .concept}",
        "Purpose {#section_h5m_gfh_1rb .section}",
        "Basic Flow for Processing a Complaint in SES {#section_qgf_3fh_1rb .section}",
        "1. Company Communication {#section_sys_hfh_1rb .section}",
        "2. Complaint Initiation {#section_nzl_3fh_1rb .section}",
        "3. Create and Send Information Request \\(IR\\) {#section_awq_3fh_1rb .section}",
        "4. Company Enrollment {#section_z5x_3fh_1rb .section}",
        "5. Company Completes Enrollment and Responds to IR {#section_et2_jfh_1rb .section}",
        "6. Agency Reacts to IR Response {#section_f4n_jfh_1rb .section}",
        "7. Updating and Resolving Complaint {#section_vhs_jfh_1rb .section}",
        "8. Record is Closed and Locked {#section_ofx_jfh_1rb .section}",
        "SES Agency Resources {#section_elb_kfh_1rb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/c_jobAidYourFirstComplaint_SES-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/c_jobAidYourFirstComplaint_SES-1.md:chunk-3",
      "title": "Job Aid: Your First Complaint in SES {#c_jobAidYourFirstComplaint_SES .concept}",
      "content": "ces \n\nBe sure to check out the SES Agency System Roles & Consumer Complaints Roles accessible at the SES Portal: https://portal.stateexaminationsystem.org.\n\nFor more information or support, contact the Regulatory Users Group \\(RUG\\) of the NMLS Call Center at the phone number or email provided on our secure portal. Secure Portal \\(requires agency login\\).\n\n**Parent topic:**Processing Consumer Complaints",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\c_jobAidYourFirstComplaint_SES-1.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\c_jobAidYourFirstComplaint_SES-1.md",
      "headings": [
        "Job Aid: Your First Complaint in SES {#c_jobAidYourFirstComplaint_SES .concept}",
        "Purpose {#section_h5m_gfh_1rb .section}",
        "Basic Flow for Processing a Complaint in SES {#section_qgf_3fh_1rb .section}",
        "1. Company Communication {#section_sys_hfh_1rb .section}",
        "2. Complaint Initiation {#section_nzl_3fh_1rb .section}",
        "3. Create and Send Information Request \\(IR\\) {#section_awq_3fh_1rb .section}",
        "4. Company Enrollment {#section_z5x_3fh_1rb .section}",
        "5. Company Completes Enrollment and Responds to IR {#section_et2_jfh_1rb .section}",
        "6. Agency Reacts to IR Response {#section_f4n_jfh_1rb .section}",
        "7. Updating and Resolving Complaint {#section_vhs_jfh_1rb .section}",
        "8. Record is Closed and Locked {#section_ofx_jfh_1rb .section}",
        "SES Agency Resources {#section_elb_kfh_1rb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/c_jobAidYourFirstComplaint_SES-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/c_jobAidYourFirstComplaint_SES.md:chunk-0",
      "title": "Job Aid: Your First Complaint in SES {#c_jobAidYourFirstComplaint_SES .concept}",
      "content": "# Job Aid: Your First Complaint in SES \n\nThis job aid guides agency complaints users through the creation and completion of their first consumer complaint in the State Examination System \\(SES\\).\n\n## Purpose \n\nThis Job Aid highlights the basic workflow for processing a complaint in SES and underlines important information along the way. Since the workflow in SES is not specific to any industry or business type, this job aid is relevant for any complaint conducted in SES.\n\n## Basic Flow for Processing a Complaint in SES \n\n## 1. Company Communication \n\nEach agency will need to decide when to communicate with companies about their agency’s use of the SES Consumer Complaints functionality. Consult the Agency Guidelines to Enroll New Companies in SES article for helpful resources, including industry communication templates and a recommended communications approach to assist with this process.\n\n**Note:** User Feedback\n\nAgencies currently using the functionality have reported success with sending targeted communication to their supervised companies. Members of industry have also expressed appreciation for early notification allowing them to appropriately react and prepare for this change.\n\n## 2. Complaint Initiation \n\nAgency users enter complaint details, based on information provided by the complainant outside of SES, on to the complaint intake form. To get familiar, take a look at the SES Consumer Complaints Intake Form to see what type of information is captured within SES on a complaint.\n\n**Note:** At this time, consumers or complainants cannot interact with SES Consumer Complaints. The functionality currently supports the work of state agencies and their supervised entities to resolve consumer complaints.\n\n## 3. Create and Send Information Request \\(IR\\) \n\nAfter Step 3 is complete, the system will assign the Complaint ID, a unique identifier that can be used to access the complaint record in SES.\n\nThe article SES Consumer Complaints – More about the Information Reques",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\c_jobAidYourFirstComplaint_SES.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\c_jobAidYourFirstComplaint_SES.md",
      "headings": [
        "Job Aid: Your First Complaint in SES {#c_jobAidYourFirstComplaint_SES .concept}",
        "Purpose {#section_h5m_gfh_1rb .section}",
        "Basic Flow for Processing a Complaint in SES {#section_qgf_3fh_1rb .section}",
        "1. Company Communication {#section_sys_hfh_1rb .section}",
        "2. Complaint Initiation {#section_nzl_3fh_1rb .section}",
        "3. Create and Send Information Request \\(IR\\) {#section_awq_3fh_1rb .section}",
        "4. Company Enrollment {#section_z5x_3fh_1rb .section}",
        "5. Company Completes Enrollment and Responds to IR {#section_et2_jfh_1rb .section}",
        "6. Agency Reacts to IR Response {#section_f4n_jfh_1rb .section}",
        "7. Updating and Resolving Complaint {#section_vhs_jfh_1rb .section}",
        "8. Record is Closed and Locked {#section_ofx_jfh_1rb .section}",
        "SES Agency Resources {#section_elb_kfh_1rb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/c_jobAidYourFirstComplaint_SES.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/c_jobAidYourFirstComplaint_SES.md:chunk-1",
      "title": "Job Aid: Your First Complaint in SES {#c_jobAidYourFirstComplaint_SES .concept}",
      "content": " complete, the system will assign the Complaint ID, a unique identifier that can be used to access the complaint record in SES.\n\nThe article SES Consumer Complaints – More about the Information Request Exchange explains how IRs provides the ability to request information and documentation from the company to move forward with processing the complaint.\n\n**Note:** Latest System Update\n\nRecent updates to SES enable agency users to enroll a company user while sending the information request. This is another improvement generated from user feedback. Keep in mind, the company will need adequate time to complete enrollment and become familiar with system functionality before they can respond to the request.\n\n## 4. Company Enrollment \n\nIf you decide to communicate with the company via a complaint information request, the agency must first initiate the company enrollment process. This process is referred to as Company Enrollment. It was designed so that the agency, who has the most accurate information about the company, would create the first user of the company as they would know who is best suited to handle the complaint on behalf of the company.\n\n**Tip:** SES displays the NMLS Contact Person and the NMLS Complaints Contact if provided by the company in NMLS. These listed individuals are for reference only and could be outdated if not updated regularly in NMLS by the company. Agencies are encouraged to contact the company outside of SES prior to initiating the enrollment process in the system.\n\nAfter the agency enrolls the appropriate individual, the company user is notified via email. The company notification provides the steps company users must take to access the system. If you are interested in learning more, we recommend watching the Company Enrollment in SES – How it Works.\n\n## 5. Company Completes Enrollment and Responds to IR \n\nA Company POC must be assigned for each new complaint received by the company. The POC is in charge of responding to information requests ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\c_jobAidYourFirstComplaint_SES.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\c_jobAidYourFirstComplaint_SES.md",
      "headings": [
        "Job Aid: Your First Complaint in SES {#c_jobAidYourFirstComplaint_SES .concept}",
        "Purpose {#section_h5m_gfh_1rb .section}",
        "Basic Flow for Processing a Complaint in SES {#section_qgf_3fh_1rb .section}",
        "1. Company Communication {#section_sys_hfh_1rb .section}",
        "2. Complaint Initiation {#section_nzl_3fh_1rb .section}",
        "3. Create and Send Information Request \\(IR\\) {#section_awq_3fh_1rb .section}",
        "4. Company Enrollment {#section_z5x_3fh_1rb .section}",
        "5. Company Completes Enrollment and Responds to IR {#section_et2_jfh_1rb .section}",
        "6. Agency Reacts to IR Response {#section_f4n_jfh_1rb .section}",
        "7. Updating and Resolving Complaint {#section_vhs_jfh_1rb .section}",
        "8. Record is Closed and Locked {#section_ofx_jfh_1rb .section}",
        "SES Agency Resources {#section_elb_kfh_1rb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/c_jobAidYourFirstComplaint_SES.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/c_jobAidYourFirstComplaint_SES.md:chunk-2",
      "title": "Job Aid: Your First Complaint in SES {#c_jobAidYourFirstComplaint_SES .concept}",
      "content": "rks.\n\n## 5. Company Completes Enrollment and Responds to IR \n\nA Company POC must be assigned for each new complaint received by the company. The POC is in charge of responding to information requests and serves as the person in charge of the complaint from the company’s perspective. The SES Call Center is available to assist company users with the steps listed above at1-800-269-6189.\n\n## 6. Agency Reacts to IR Response \n\nOnce Step 5. Company Completes Enrollment and Responds to IR is completed by the company, the agency should receive an email notification alerting them of a new information request response. The agency may also use the Viewing the SA IR Response Activity Report to monitor incoming responses from companies.\n\nIf the IR response provided is satisfactory, you can choose to move on to closing the complaint. Otherwise, additional information requests can be created and sent, or the existing information request can be sent back to the company to allow them to respond again.\n\n## 7. Updating and Resolving Complaint \n\nThe original complaint details provided on the complaint intake form can be edited at any point before complaint closure. When closing a complaint, the agency user will choose from a predefined list of closure reasons and is given the ability to add closure notes, and denote monetary relief paid out to the complainant, if applicable.\n\n## 8. Record is Closed and Locked \n\nAfter a complaint is closed, the complaint record is locked, and the Record Retention and Disposition Schedule are activated. All uploaded documentation associated to a complaint is accessible for 6 years after the complaint closure date. While the record remains locked after closure, agency users have the ability to add notes to closed complaints as applicable.\n\n## SES Agency Resources \n\nBe sure to check out the SES Agency System Roles & Consumer Complaints Roles accessible at the SES Portal: https://portal.stateexaminationsystem.org.\n\nFor more information or support, contact th",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\c_jobAidYourFirstComplaint_SES.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\c_jobAidYourFirstComplaint_SES.md",
      "headings": [
        "Job Aid: Your First Complaint in SES {#c_jobAidYourFirstComplaint_SES .concept}",
        "Purpose {#section_h5m_gfh_1rb .section}",
        "Basic Flow for Processing a Complaint in SES {#section_qgf_3fh_1rb .section}",
        "1. Company Communication {#section_sys_hfh_1rb .section}",
        "2. Complaint Initiation {#section_nzl_3fh_1rb .section}",
        "3. Create and Send Information Request \\(IR\\) {#section_awq_3fh_1rb .section}",
        "4. Company Enrollment {#section_z5x_3fh_1rb .section}",
        "5. Company Completes Enrollment and Responds to IR {#section_et2_jfh_1rb .section}",
        "6. Agency Reacts to IR Response {#section_f4n_jfh_1rb .section}",
        "7. Updating and Resolving Complaint {#section_vhs_jfh_1rb .section}",
        "8. Record is Closed and Locked {#section_ofx_jfh_1rb .section}",
        "SES Agency Resources {#section_elb_kfh_1rb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/c_jobAidYourFirstComplaint_SES.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/c_jobAidYourFirstComplaint_SES.md:chunk-3",
      "title": "Job Aid: Your First Complaint in SES {#c_jobAidYourFirstComplaint_SES .concept}",
      "content": "ces \n\nBe sure to check out the SES Agency System Roles & Consumer Complaints Roles accessible at the SES Portal: https://portal.stateexaminationsystem.org.\n\nFor more information or support, contact the Regulatory Users Group \\(RUG\\) of the NMLS Call Center at the phone number or email provided on our secure portal. Secure Portal \\(requires agency login\\).",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\c_jobAidYourFirstComplaint_SES.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\c_jobAidYourFirstComplaint_SES.md",
      "headings": [
        "Job Aid: Your First Complaint in SES {#c_jobAidYourFirstComplaint_SES .concept}",
        "Purpose {#section_h5m_gfh_1rb .section}",
        "Basic Flow for Processing a Complaint in SES {#section_qgf_3fh_1rb .section}",
        "1. Company Communication {#section_sys_hfh_1rb .section}",
        "2. Complaint Initiation {#section_nzl_3fh_1rb .section}",
        "3. Create and Send Information Request \\(IR\\) {#section_awq_3fh_1rb .section}",
        "4. Company Enrollment {#section_z5x_3fh_1rb .section}",
        "5. Company Completes Enrollment and Responds to IR {#section_et2_jfh_1rb .section}",
        "6. Agency Reacts to IR Response {#section_f4n_jfh_1rb .section}",
        "7. Updating and Resolving Complaint {#section_vhs_jfh_1rb .section}",
        "8. Record is Closed and Locked {#section_ofx_jfh_1rb .section}",
        "SES Agency Resources {#section_elb_kfh_1rb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/c_jobAidYourFirstComplaint_SES.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/r_agency_compl_Intake_Categories.md:chunk-0",
      "title": "Complaint Categories {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7fe4 .reference}",
      "content": "# Complaint Categories \n\nComplaint categories describe the specific subject addressed by the complaint, such as identity theft, refunds, overdraft fees, credit reporting, etc.\n\n-   Account Closed/Account Locked\n-   Advertising Practices\n-   Credit Reporting\n-   Customer Service\n-   Deceptive Practices\n-   Direct Deposit\n-   Discharge\n-   Disclosures\n-   Discrimination\n-   Dispute of Debt/Wrong Consumer\n-   Escrow Account\n-   Foreign Transmittal Agency\n-   Fraud\n-   Funding Delays\n-   HELOC\n-   Identity Theft\n-   Insurance Premiums\n-   Interest Rate\n-   Investment/Commercial\n-   License Status\n-   Loan Originator\n-   Modification Request\n-   Mortgage Foreclosure\n-   Mortgage Payoff\n-   Mtg. Application Fees\n-   Mtg. Points\n-   No Jurisdiction\n-   No Signature Received\n-   Online Banking\n-   Other Fee Type Not Listed\n-   Overdraft Fees\n-   Payment Dispute\n-   Personal Loan\n-   Rate Lock\n-   Rate Lock Fees\n-   Refund\n-   Request for Debt Validation\n-   Savings Account\n-   Savings Account Fees\n-   Service Fees\n-   Title Insurance\n-   Trust Accounts\n-   Unauthorized Transaction\n-   Underwriting\n-   Unlicensed Activity\n\n**Parent topic:**SES Consumer Complaints Intake Form\n\n**Related information**  \n\nSubject Details\n\nComplaint Details\n\nTransaction Details\n\nComplainant Details\n\nDocuments",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\r_agency_compl_Intake_Categories.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\r_agency_compl_Intake_Categories.md",
      "headings": [
        "Complaint Categories {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7fe4 .reference}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/r_agency_compl_Intake_Categories.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/r_agency_compl_complainantDtl.md:chunk-0",
      "title": "Complainant Details {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7fe2 .reference}",
      "content": "# Complainant Details \n\nThe Complainant Details section of a complaint is used by the agency complaint manager or complaint supervisor to record information about the person or entity who originated the complaint.\n\n-   Do you have all the information needed to complete the Complainant Details section?\n    -   Yes or No\n-   Restrict Complainant Details?\n    -   Yes or No\n-   First Name\n-   Last Name\n-   Phone, Extension\n-   Email\n-   Address\n-   Complainant Desired Outcome\n\n**Parent topic:**SES Consumer Complaints Intake Form\n\n**Related information**  \n\nSubject Details\n\nComplaint Details\n\nTransaction Details\n\nDocuments\n\nComplaint Categories",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\r_agency_compl_complainantDtl.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\r_agency_compl_complainantDtl.md",
      "headings": [
        "Complainant Details {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7fe2 .reference}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/r_agency_compl_complainantDtl.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/r_agency_compl_intake_Dtl.md:chunk-0",
      "title": "Complaint Details {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7fe5 .reference}",
      "content": "# Complaint Details \n\nComplaint details provide specific information about the origination of the complaint, how it was reported to the agency, and the Business Type and Business Activity of the company that is the subject of the complaint.\n\n-   Date Received\\*\n-   Source\\*\n    -   Email\n    -   Fax\n    -   In Person\n    -   Mail\n    -   Phone\n    -   Referral from Federal Agency\n    -   Referral from other State Agency\n    -   Referral from the State Attorney General\n    -   Website\n    -   Other\n-   Business Type\\* \\(select one\\)\n    -   Mortgage Origination\n    -   Mortgage Servicing\n    -   Consumer Finance\n    -   Money Services Businesses\n    -   Debt\n    -   Commercial Bank\n    -   Credit Union\n    -   Trust\n    -   Technology Service Provider\n    -   Auction\n    -   Other – Financial\n    -   Other – Non-Financial\n-   Business Activities\\* \\(select one or more\\)\n    -   List is consistent with NMLS Business Activities\n    -   Option to select “Unknown”\n-   Category\\* \\(select one or more\\)\n-   Description\n-   External ID\n-   CFPB ID\n\n**Parent topic:**SES Consumer Complaints Intake Form\n\n**Related information**  \n\nSubject Details\n\nTransaction Details\n\nComplainant Details\n\nDocuments\n\nComplaint Categories",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\r_agency_compl_intake_Dtl.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\r_agency_compl_intake_Dtl.md",
      "headings": [
        "Complaint Details {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7fe5 .reference}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/r_agency_compl_intake_Dtl.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/r_agency_compl_intake_docs.md:chunk-0",
      "title": "Documents {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7fe1 .reference}",
      "content": "# Documents \n\nDocuments associated with the complaint can be uploaded to SES, subject to certain restrictions.\n\nPlease note the following restrictions with regard to file uploads in SES. It is recommended to use a ZIP folder or File Sharing Links when uploading large files or more than 25 files at a time.\n\n-   **File formats supported**: SES will accept all file formats, but the following commonly supported file types are recommended: PDF, Word®, Excel®, CSV, ZIP\n-   **Max file size**: 1 GB\n-   **For files larger than 1 GB[^1]:**\n    -   Use ZIP compression to reduce file to less than 1 GB[^1]\n    -   Split the file into multiple smaller files\n    -   Use File Sharing Links.\n-   **Max no. characters per file name:** 200\n-   **Max no. files per upload**: 25, for uploads larger than 25 total files:\n    1.  Upload first 25.\n    2.  Select the **Save Draft** option in Available Next Actions then click the **Save Draft** button.\n\n        **Note:** You may need to refresh the screen to see that the files have uploaded to the system.\n\n    3.  Return to the response screen to upload the next 25 files and repeat.\n-   **Total no. files**: unlimited\n\n**Parent topic:**SES Consumer Complaints Intake Form\n\n**Related information**  \n\nSubject Details\n\nComplaint Details\n\nTransaction Details\n\nComplainant Details\n\nComplaint Categories\n\n[^1]: For documents uploaded to the Interactions tab, the maximum file size is 25 MB.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\r_agency_compl_intake_docs.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\r_agency_compl_intake_docs.md",
      "headings": [
        "Documents {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7fe1 .reference}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/r_agency_compl_intake_docs.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/r_agency_compl_intake_subjDtl.md:chunk-0",
      "title": "Subject Details {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7fe6 .reference}",
      "content": "# Subject Details \n\nThe Subject Details of the Complaints Intake Form provides information about the company that is the subject of the complaint.\n\n## If the subject of a complaint is a non-depository or depository company: \n\n-   Company Name\n-   SES Company ID\n-   Address\n\n## If the subject of a complaint is a branch location: \n\n-   Branch Name\n-   SES Branch ID\n-   Address\n\n## If the subject of a complaint is an individual: \n\n-   Individual Name\n-   Individual NMLS ID\n-   Would you like to associate this individual to a company? Yes or No\n\n**Parent topic:**SES Consumer Complaints Intake Form\n\n**Related information**  \n\nComplaint Details\n\nTransaction Details\n\nComplainant Details\n\nDocuments\n\nComplaint Categories",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\r_agency_compl_intake_subjDtl.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\r_agency_compl_intake_subjDtl.md",
      "headings": [
        "Subject Details {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7fe6 .reference}",
        "If the subject of a complaint is a non-depository or depository company: {#section_x3g_yzw_qtb .section}",
        "If the subject of a complaint is a branch location: {#section_d2p_11x_qtb .section}",
        "If the subject of a complaint is an individual: {#section_l3s_c1x_qtb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/r_agency_compl_intake_subjDtl.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/r_agency_compl_intake_transactDtl.md:chunk-0",
      "title": "Transaction Details {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7fe3 .reference}",
      "content": "# Transaction Details \n\nYou can record the details of a transaction that is the focus of a consumer complaint in the Transaction Details area of the Complaint Intake Form.\n\n-   Transaction Date\n-   Transaction City\n-   Transaction State\n-   Transaction Number\n-   Account Number\n\n**Parent topic:**SES Consumer Complaints Intake Form\n\n**Related information**  \n\nSubject Details\n\nComplaint Details\n\nComplainant Details\n\nDocuments\n\nComplaint Categories",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\r_agency_compl_intake_transactDtl.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\r_agency_compl_intake_transactDtl.md",
      "headings": [
        "Transaction Details {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7fe3 .reference}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/r_agency_compl_intake_transactDtl.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/t_agency_compl_Access_Widget-1.md:chunk-0",
      "title": "Accepting or Rejecting Access to a Complaint from the Homepage Widget {#xd_80647b36c08634d1--224c7740-180a488b21a--7fd6 .task}",
      "content": "# Accepting or Rejecting Access to a Complaint from the Homepage Widget \n\nOther agencies can request to view the full details of a complaint owned by your agency. When your agency receives a request to view a complaint, all complaint supervisors at your agency will be notified via email.\n\nAll users assigned the Complaint Supervisor role in SES can accept or reject access to a complaint. This gives each agency flexibility around who handles view requests but limits it to only those with the appropriate role. Be sure to discuss with your team who is responsible for this process at your agency. Accepting the request allows all requesting agency’s complaints users to view the entire complaint and preview and download all uploaded documentation.\n\n1.  Click **Manage Complaints**.\n\n    \n\n2.  >Click **Access Requests** from the homepage.\n\n    \n\n3.  Click **View Access**.\n\n    \n\n4.  Click the **View Details** icon for the desired complaint access request.\n\n    \n\n5.  Review the access request details.\n\n6.  Click **Review Access Request**.\n\n    \n\n7.  To accept access:\n\n    1.  Select **Accept**.\n\n        \n\n    2.  Enter any comments you may have.\n\n    3.  Click **Accept Request**.\n\n        \n\n8.  To reject access:\n\n    1.  Select **Reject**.\n\n        \n\n    2.  Enter any comments you may have.\n\n    3.  Click **Reject Request**.\n\n        \n\n    Your decision is reflected on the My Agency’s Decisions tab.\n\n    \n\n    Once viewing access is granted, it does not expire. It is the responsibility of the complaint supervisors at the agency to manage who has this extra level of access to their complaint. Viewing access can be removed at any time. See Removing Agency Access from a Complaint Record for more information.\n\n**Parent topic:**Managing Consumer Complaints",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_Access_Widget-1.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_Access_Widget-1.md",
      "headings": [
        "Accepting or Rejecting Access to a Complaint from the Homepage Widget {#xd_80647b36c08634d1--224c7740-180a488b21a--7fd6 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/t_agency_compl_Access_Widget-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/t_agency_compl_Access_Widget.md:chunk-0",
      "title": "Accepting or Rejecting Access to a Complaint from the Homepage Widget {#xd_80647b36c08634d1--224c7740-180a488b21a--7fd6 .task}",
      "content": "# Accepting or Rejecting Access to a Complaint from the Homepage Widget \n\nOther agencies can request to view the full details of a complaint owned by your agency. When your agency receives a request to view a complaint, all complaint supervisors at your agency will be notified via email.\n\nAll users assigned the Complaint Supervisor role in SES can accept or reject access to a complaint. This gives each agency flexibility around who handles view requests but limits it to only those with the appropriate role. Be sure to discuss with your team who is responsible for this process at your agency. Accepting the request allows all requesting agency’s complaints users to view the entire complaint and preview and download all uploaded documentation.\n\n1.  Click **Manage Complaints**.\n\n    \n\n2.  >Click **Access Requests** from the homepage.\n\n    \n\n3.  Click **View Access**.\n\n    \n\n4.  Click the **View Details** icon for the desired complaint access request.\n\n    \n\n5.  Review the access request details.\n\n6.  Click **Review Access Request**.\n\n    \n\n7.  To accept access:\n\n    1.  Select **Accept**.\n\n        \n\n    2.  Enter any comments you may have.\n\n    3.  Click **Accept Request**.\n\n        \n\n8.  To reject access:\n\n    1.  Select **Reject**.\n\n        \n\n    2.  Enter any comments you may have.\n\n    3.  Click **Reject Request**.\n\n        \n\n    Your decision is reflected on the My Agency’s Decisions tab.\n\n    \n\n    Once viewing access is granted, it does not expire. It is the responsibility of the complaint supervisors at the agency to manage who has this extra level of access to their complaint. Viewing access can be removed at any time. See Removing Agency Access from a Complaint Record for more information.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_Access_Widget.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_Access_Widget.md",
      "headings": [
        "Accepting or Rejecting Access to a Complaint from the Homepage Widget {#xd_80647b36c08634d1--224c7740-180a488b21a--7fd6 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/t_agency_compl_Access_Widget.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/t_agency_compl_IR_Add-1.md:chunk-0",
      "title": "Adding an Information Request to a Complaint {#t_agency_complaintIR_Add .task}",
      "content": "# Adding an Information Request to a Complaint \n\nAfter entering a complaint, you have the option of creating an information request asking for the company to provide your agency with the documentation necessary to resolve the complaint.\n\n**Note:** Users with the Complaint Supervisor and Complaint Manager roles can add information requests. See SES Agency System Roles & Consumer Complaints Roles for more information.\n\n1.  Navigate to the complaint.\n\n    \n\n2.  Click **Information Requests**.\n\n    \n\n3.  Click **Add Information Requests**.\n\n    \n\n4.  Complete the information request form and upload any relevant documents.\n\n    **Note:** The documents uploaded at this stage of the information request process are expected to be downloaded by the company and used in relation to this specific information request \\(e.g., completion of a form\\).\n\n5.  Select the desired **Available Next Action**.\n\n    \n\n    -   **Save IR and send later**: Saves the IR and moves it to “Ready to Send” status and it can be sent using the steps in the Sending an Information Request to the Company section below.\n    -   **Save IR and add another**: Saves the IR and immediately opens another form for creating another IR.\n    -   **Save IR and continue to sending**: Only available to the Agency POC and Complaints Supervisors. Saves the IR and takes you to the Send Information Requests screen.\n    -   **Send to company now**: Only available to the Agency POC and Complaints Supervisors. Allows you to send the IR to the company immediately. Generates a form where you can add comments, documents, and a file sharing link. If the company is not yet in SES, you can initiate company enrollment from this screen, as well.\n\n**Parent topic:**Managing Information Requests for Complaints\n\n**Related information**  \n\nSending an Information Request to the Company\n\nUpdating the Due Date for a Single IR\n\nUpdating Due Dates for IRs in Bulk\n\nCanceling Information Requests for a Complaint\n\nRemoving Information Requests\n\nS",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_IR_Add-1.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_IR_Add-1.md",
      "headings": [
        "Adding an Information Request to a Complaint {#t_agency_complaintIR_Add .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/t_agency_compl_IR_Add-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/t_agency_compl_IR_Add-1.md:chunk-1",
      "title": "Adding an Information Request to a Complaint {#t_agency_complaintIR_Add .task}",
      "content": "nding an Information Request to the Company\n\nUpdating the Due Date for a Single IR\n\nUpdating Due Dates for IRs in Bulk\n\nCanceling Information Requests for a Complaint\n\nRemoving Information Requests\n\nSending Reminders for Information Requests\n\nResponding to a Complaint IR Due Date Extension Request\n\nResponding to a Company's Request to Send Back a Complaint IR",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_IR_Add-1.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_IR_Add-1.md",
      "headings": [
        "Adding an Information Request to a Complaint {#t_agency_complaintIR_Add .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/t_agency_compl_IR_Add-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/t_agency_compl_IR_Add.md:chunk-0",
      "title": "Adding an Information Request to a Complaint {#t_agency_complaintIR_Add .task}",
      "content": "# Adding an Information Request to a Complaint \n\nAfter entering a complaint, you have the option of creating an information request asking for the company to provide your agency with the documentation necessary to resolve the complaint.\n\n**Note:** Users with the Complaint Supervisor and Complaint Manager roles can add information requests. See SES Agency System Roles & Consumer Complaints Roles for more information.\n\n1.  Navigate to the complaint.\n\n    \n\n2.  Click **Information Requests**.\n\n    \n\n3.  Click **Add Information Requests**.\n\n    \n\n4.  Complete the information request form and upload any relevant documents.\n\n    **Note:** The documents uploaded at this stage of the information request process are expected to be downloaded by the company and used in relation to this specific information request \\(e.g., completion of a form\\).\n\n5.  Select the desired **Available Next Action**.\n\n    \n\n    -   **Save IR and send later**: Saves the IR and moves it to “Ready to Send” status and it can be sent using the steps in the Sending an Information Request to the Company section below.\n    -   **Save IR and add another**: Saves the IR and immediately opens another form for creating another IR.\n    -   **Save IR and continue to sending**: Only available to the Agency POC and Complaints Supervisors. Saves the IR and takes you to the Send Information Requests screen.\n    -   **Send to company now**: Only available to the Agency POC and Complaints Supervisors. Allows you to send the IR to the company immediately. Generates a form where you can add comments, documents, and a file sharing link. If the company is not yet in SES, you can initiate company enrollment from this screen, as well.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_IR_Add.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_IR_Add.md",
      "headings": [
        "Adding an Information Request to a Complaint {#t_agency_complaintIR_Add .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/t_agency_compl_IR_Add.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/t_agency_compl_IR_respondSendBackReq.md:chunk-0",
      "title": "Responding to a Company's Request to Send Back a Complaint IR {#xd_2b3305af4d4567d9-5d5818f3-19286bc1ee2--7ffd .task}",
      "content": "# Responding to a Company's Request to Send Back a Complaint IR \n\nAfter sending Information Request responses, the company can request the agency to send back an Information Request in order to update the information in the response. When a company requests an IR to be sent back, you will receive an email notification.\n\nAfter the company has sent an IR response, and before the complaint is closed, the company can request that the agency return the IR for update. This request will trigger an email notification containing the company's reason for the request.\n\nYou can view the IR response, and decide whether to send it back to the company.\n\n1.  Click **Manage Complaints**.\n\n    \n\n2.  Click **Complaints** in the top menu bar.\n\n    \n\n3.  Click the **Complaint ID** hyperlink.\n\n    \n\n4.  Click **Information Requests**.\n\n    \n\n5.  Click the **IR ID**.\n\n6.  Click **Remove Quick Look** to revert the IR response to an unreviewed status.\n\n    \n\n7.  Click **Send Back to Company**.\n\n    \n\n8.  Select a **Due Date**.\n\n9.  Provide a **Response** explaining why the Information Requests response is being sent back, uploading any necessary documents.\n\n10. Click **Send Back to Company**.\n\n    \n\n**Parent topic:**Managing Information Requests for Complaints\n\n**Related information**  \n\nAdding an Information Request to a Complaint\n\nSending an Information Request to the Company\n\nUpdating the Due Date for a Single IR\n\nUpdating Due Dates for IRs in Bulk\n\nCanceling Information Requests for a Complaint\n\nRemoving Information Requests\n\nSending Reminders for Information Requests\n\nResponding to a Complaint IR Due Date Extension Request",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_IR_respondSendBackReq.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_IR_respondSendBackReq.md",
      "headings": [
        "Responding to a Company's Request to Send Back a Complaint IR {#xd_2b3305af4d4567d9-5d5818f3-19286bc1ee2--7ffd .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/t_agency_compl_IR_respondSendBackReq.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/t_agency_compl_UpdateSubj-1.md:chunk-0",
      "title": "Changing the Subject of a Complaint {#xd_80647b36c08634d1--224c7740-180a488b21a--7fd7 .task}",
      "content": "# Changing the Subject of a Complaint \n\nYou can update the subject of a complaint to a different company, branch, individual, or non-NMLS entity.\n\n**Note:** All Complaint Supervisors and Managers can update a complaint. See SES Agency System Roles & Consumer Complaints Roles for more information.\n\n1.  Navigate to the complaint.\n\n    \n\n2.  Click **Update Subject**.\n\n    \n\n    **Note:** The button only appears for open complaints where information requests have not yet been sent to the subject.\n\n3.  Select the type of subject.\n\n    \n\n4.  Search for the subject.\n\n5.  Enter the required information.\n\n6.  Click **Update Complaint Subject**.\n\n**Parent topic:**Processing Consumer Complaints",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_UpdateSubj-1.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_UpdateSubj-1.md",
      "headings": [
        "Changing the Subject of a Complaint {#xd_80647b36c08634d1--224c7740-180a488b21a--7fd7 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/t_agency_compl_UpdateSubj-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/t_agency_compl_UpdateSubj.md:chunk-0",
      "title": "Changing the Subject of a Complaint {#xd_80647b36c08634d1--224c7740-180a488b21a--7fd7 .task}",
      "content": "# Changing the Subject of a Complaint \n\nYou can update the subject of a complaint to a different company, branch, individual, or non-NMLS entity.\n\n**Note:** All Complaint Supervisors and Managers can update a complaint. See SES Agency System Roles & Consumer Complaints Roles for more information.\n\n1.  Navigate to the complaint.\n\n    \n\n2.  Click **Update Subject**.\n\n    \n\n    **Note:** The button only appears for open complaints where information requests have not yet been sent to the subject.\n\n3.  Select the type of subject.\n\n    \n\n4.  Search for the subject.\n\n5.  Enter the required information.\n\n6.  Click **Update Complaint Subject**.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_UpdateSubj.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_UpdateSubj.md",
      "headings": [
        "Changing the Subject of a Complaint {#xd_80647b36c08634d1--224c7740-180a488b21a--7fd7 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/t_agency_compl_UpdateSubj.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/t_agency_compl_addResearchComm-1.md:chunk-0",
      "title": "Adding Research and Communication to a Complaint {#t_agency_complaint_addResearchComm .task}",
      "content": "# Adding Research and Communication to a Complaint \n\nThe Research and Communication page is used to capture all communications related to a complaint that took place outside of SES. It is also used to document work and research that was done \\(e.g., capturing original complaint information found on the CFPB portal\\).\n\nThis area is optional when processing a complaint but is suggested as a best practice to use.\n\n**Note:** Users with the Complaint Supervisor and Complaint Manager roles can add research and communication to a complaint. See SES Agency System Roles & Consumer Complaints Roles for more information.\n\n**Note:** You can add or update research and communication to a complaint record even after the complaint is closed. See Adding Research and Communication to a Complaint and Updating Research or Communication for a Complaint\n\n1.  Navigate to the complaint.\n\n    \n\n2.  Click **Research/Communication**.\n\n    \n\n3.  Click **Add Research/Communication**.\n\n    \n\n4.  Complete the research and communication form and upload any relevant documents.\n\n    **Note:** You can enter a description of communications \\(phone, mail, email, or in-person\\) for either the consumer or the subject.\n\n5.  Click **Add Research/Communication**.\n\n    \n\n**Parent topic:**Processing Consumer Complaints\n\n**Related information**  \n\nAppending Notes to a Closed Complaint",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_addResearchComm-1.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_addResearchComm-1.md",
      "headings": [
        "Adding Research and Communication to a Complaint {#t_agency_complaint_addResearchComm .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/t_agency_compl_addResearchComm-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/t_agency_compl_addResearchComm.md:chunk-0",
      "title": "Adding Research and Communication to a Complaint {#t_agency_complaint_addResearchComm .task}",
      "content": "# Adding Research and Communication to a Complaint \n\nThe Research and Communication page is used to capture all communications related to a complaint that took place outside of SES. It is also used to document work and research that was done \\(e.g., capturing original complaint information found on the CFPB portal\\).\n\nThis area is optional when processing a complaint but is suggested as a best practice to use.\n\n**Note:** Users with the Complaint Supervisor and Complaint Manager roles can add research and communication to a complaint. See SES Agency System Roles & Consumer Complaints Roles for more information.\n\n**Note:** You can add or update research and communication to a complaint record even after the complaint is closed. See Adding Research and Communication to a Complaint and Updating Research or Communication for a Complaint\n\n1.  Navigate to the complaint.\n\n    \n\n2.  Click **Research/Communication**.\n\n    \n\n3.  Click **Add Research/Communication**.\n\n    \n\n4.  Complete the research and communication form and upload any relevant documents.\n\n    **Note:** You can enter a description of communications \\(phone, mail, email, or in-person\\) for either the consumer or the subject.\n\n5.  Click **Add Research/Communication**.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_addResearchComm.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_addResearchComm.md",
      "headings": [
        "Adding Research and Communication to a Complaint {#t_agency_complaint_addResearchComm .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/t_agency_compl_addResearchComm.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/t_agency_compl_createFromCoRec-1.md:chunk-0",
      "title": "Creating a Complaint from the Company Record {#xd_639cae5476ab2d25--35e9ed5d-1808057a2e5--7fee .task}",
      "content": "# Creating a Complaint from the Company Record \n\nYou can create a complaint for a company from the company’s record page in SES.\n\n**Note:** Alternatively, see Accessing Complaints.\n\n**Note:** Users with the Complaint Supervisor and Complaint Manager roles can initiate a complaint. See SES Agency System Roles & Consumer Complaints Roles for more information.\n\nThe Agency POC is responsible for managing the complaint from start to finish. SES automatically assigns the Agency POC role to the user who enters a complaint into the system unless the complaint is sent for preliminary review. In that case, the person conducting the preliminary review has the option to select an Agency POC for the complaint.\n\n1.  Navigate to the desired company’s record via **Company Search**.\n\n    \n\n2.  Click **Related Actions**.\n\n    \n\n3.  Click **Create Complaint**.\n\n    \n\nEntering a Complaint\n\n**Parent topic:**Initiating a Complaint\n\n**Previous topic:**Accessing Complaints\n\n**Next topic:**Searching for the Subject of a Complaint",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_createFromCoRec-1.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_createFromCoRec-1.md",
      "headings": [
        "Creating a Complaint from the Company Record {#xd_639cae5476ab2d25--35e9ed5d-1808057a2e5--7fee .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/t_agency_compl_createFromCoRec-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/t_agency_compl_createFromCoRec.md:chunk-0",
      "title": "Creating a Complaint from the Company Record {#xd_639cae5476ab2d25--35e9ed5d-1808057a2e5--7fee .task}",
      "content": "# Creating a Complaint from the Company Record \n\nYou can create a complaint for a company from the company’s record page in SES.\n\n**Note:** Alternatively, see Accessing Complaints.\n\n**Note:** Users with the Complaint Supervisor and Complaint Manager roles can initiate a complaint. See SES Agency System Roles & Consumer Complaints Roles for more information.\n\nThe Agency POC is responsible for managing the complaint from start to finish. SES automatically assigns the Agency POC role to the user who enters a complaint into the system unless the complaint is sent for preliminary review. In that case, the person conducting the preliminary review has the option to select an Agency POC for the complaint.\n\n1.  Navigate to the desired company’s record via **Company Search**.\n\n    \n\n2.  Click **Related Actions**.\n\n    \n\n3.  Click **Create Complaint**.\n\n    \n\nEntering a Complaint",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_createFromCoRec.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_createFromCoRec.md",
      "headings": [
        "Creating a Complaint from the Company Record {#xd_639cae5476ab2d25--35e9ed5d-1808057a2e5--7fee .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/t_agency_compl_createFromCoRec.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/t_agency_compl_enterForIndividual.md:chunk-0",
      "title": "Entering a Complaint for an Individual {#t_enteringAComplaintForAnIndividual .task}",
      "content": "# Entering a Complaint for an Individual \n\nThe individual’s Nationwide Multistate Licensing System & Registry ID is carried over from the previous search query and you must enter the individual’s name.\n\n**Note:** Regardless of whether you are entering a complaint for a company, branch, or individual, the complaint is ultimately tied to the company’s record. The company is sent the information requests; individuals do not need to create an SES account.\n\n1.  Complete all required fields.\n\n    **Note:** You have the option to associate the individual to a company and enter the company’s NMLS ID. If you do not associate the individual to a company, you cannot complete the information request process in SES complaints.\n\n    \n\n2.  Select **Bypass Preliminary Review**.\n\n3.  Click **Create Complaint**.\n\n    **Note:** You also have the option to submit the complaint for preliminary review. See the Completing Preliminary Review of a Complaint article for more information. If you do not submit the complaint for preliminary review, you are assumed as the agency Point of Contact for the complaint.\n\n**Parent topic:**Entering a Complaint\n\n**Related information**  \n\nEntering a Complaint for a Company, Branch, or Non-NMLS Entity\n\nWhat Happens After You Enter a Complaint",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_enterForIndividual.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_enterForIndividual.md",
      "headings": [
        "Entering a Complaint for an Individual {#t_enteringAComplaintForAnIndividual .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/t_agency_compl_enterForIndividual.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/t_agency_compl_enter_CompBranchOrNonNMLS.md:chunk-0",
      "title": "Entering a Complaint for a Company, Branch, or Non-NMLS Entity {#t_enteringAComplaintForACompanyBranchOrNonNmlsEntity .task}",
      "content": "# Entering a Complaint for a Company, Branch, or Non-NMLS Entity \n\nCompany, branch, or Non-NMLS Entity Entity information is automatically populated in the Subject Details section and cannot be edited.\n\n**Note:** Regardless of whether you are entering a complaint for a company, branch, or individual, the complaint is ultimately tied to the company’s record, unless it is a Non-NMLS Entity entity. The company is sent the information requests; individuals do not need to create an SES account.\n\n**Note:** Non-NMLS entities are defined as unknown or unreachable entities that could be operating without a license. Non-NMLS entities are created by agency complaint users with the purpose of enabling tracking of these entities across agencies. Since they are unknown or unreachable, you cannot interact with them using SES, but complaints can be created on these entities to inform other agency users of their reported activity.\n\n1.  Complete all required fields.\n\n    **Note:** You have the option of entering several optional data points as part of the complaint creation process.\n\n    -   Related Supervisory Activities\n    -   Related Complaints\n    -   Related Companies\n    -   Related Non-NMLS Entities\n    -   Related Individuals\n    -   Agent Location Documents\n    -   Agent Locations\n2.  Select **Bypass Preliminary Review**.\n\n3.  Click **Create Complaint**.\n\n    **Note:** You also have the option to submit the complaint for preliminary review. See the Completing Preliminary Review of a Complaint article for more information. If you do not submit the complaint for preliminary review, you are assumed as the agency Point of Contact for the complaint.\n\n**Parent topic:**Entering a Complaint\n\n**Related information**  \n\nEntering a Complaint for an Individual\n\nWhat Happens After You Enter a Complaint",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_enter_CompBranchOrNonNMLS.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_enter_CompBranchOrNonNMLS.md",
      "headings": [
        "Entering a Complaint for a Company, Branch, or Non-NMLS Entity {#t_enteringAComplaintForACompanyBranchOrNonNmlsEntity .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/t_agency_compl_enter_CompBranchOrNonNMLS.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/t_agency_compl_init_access-1.md:chunk-0",
      "title": "Accessing Complaints {#xd_639cae5476ab2d25--35e9ed5d-1808057a2e5--7fef .task}",
      "content": "# Accessing Complaints \n\nTo begin entering a complaint, it is recommended that you go to the Complaints application within SES.\n\nFollow the steps below to navigate from the Supervisory Activity application to the Complaints application.\n\n**Note:** Alternatively, see Creating a Complaint from the Company Record.\n\n**Note:** Users with the Complaint Supervisor and Complaint Manager roles can initiate a complaint. See SES Agency System Roles & Consumer Complaints Roles for more information.\n\n1.  Click **Manage Complaints**.\n\n    \n\n2.  Alternatively, click the waffle icon and select **Complaints**.\n\n    \n\n    Either selection opens a new tab in your browser.\n\n3.  Click **Enter New Complaint**.\n\n    \n\n4.  If you know the Company SES ID of the subject company, proceed to Entering Subject ID, otherwise, proceed to Searching for Subject.\n\n**Parent topic:**Initiating a Complaint\n\n**Previous topic:**Initiating a Complaint\n\n**Next topic:**Creating a Complaint from the Company Record",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_init_access-1.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_init_access-1.md",
      "headings": [
        "Accessing Complaints {#xd_639cae5476ab2d25--35e9ed5d-1808057a2e5--7fef .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/t_agency_compl_init_access-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/t_agency_compl_init_access.md:chunk-0",
      "title": "Accessing Complaints {#xd_639cae5476ab2d25--35e9ed5d-1808057a2e5--7fef .task}",
      "content": "# Accessing Complaints \n\nTo begin entering a complaint, it is recommended that you go to the Complaints application within SES.\n\nFollow the steps below to navigate from the Supervisory Activity application to the Complaints application.\n\n**Note:** Alternatively, see Creating a Complaint from the Company Record.\n\n**Note:** Users with the Complaint Supervisor and Complaint Manager roles can initiate a complaint. See SES Agency System Roles & Consumer Complaints Roles for more information.\n\n1.  Click **Manage Complaints**.\n\n    \n\n2.  Alternatively, click the waffle icon and select **Complaints**.\n\n    \n\n    Either selection opens a new tab in your browser.\n\n3.  Click **Enter New Complaint**.\n\n    \n\n4.  If you know the Company SES ID of the subject company, proceed to Entering Subject ID, otherwise, proceed to Searching for Subject.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_init_access.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_init_access.md",
      "headings": [
        "Accessing Complaints {#xd_639cae5476ab2d25--35e9ed5d-1808057a2e5--7fef .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/t_agency_compl_init_access.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/t_agency_compl_init_nonNMLS_discuss-1.md:chunk-0",
      "title": "Accessing the Discussion for a Non-NMLS Entity {#xd_639cae5476ab2d25--35e9ed5d-1808057a2e5--7ff0 .task}",
      "content": "# Accessing the Discussion for a Non-NMLS Entity \n\nThe discussion board allows agencies to share information about companies with consumer complaints, but which are not registered in NMLS.\n\nUse the platform like any other social media platform or internet forum. You can enter comments, request information changes about the entity, and tag other users or agencies.\n\nSelecting **All Agencies** for **Tag Agency** tags the discussion post for all agencies actively using SES to process complaints at this time. If your agency is tagged in a post, users with the Complaint Supervisor role receive a notification.\n\nSelecting **Request Info Change** notifies the original agency that created the non-NMLS entity since only they can update the entity’s information in the system.\n\nYou can upload documents to your board posts.\n\n1.  Click **NON-NMLS Entities**.\n\n    \n\n2.  Search for the desired non-NMLS entity by **Entity Tracking Number**.\n\n    **Tip:** Click **Show Filters** to search by other criteria.\n\n    \n\n3.  Click the **Entity Tracking Number** for the desired non-NMLS entity.\n\n    \n\n    **Note:** The chat bubble icon in the **Posts** column indicates activity on the Discussion page for a non-NMLS entity.\n\n4.  Click **Discussion**.\n\n    \n\n**Parent topic:**Searching for the Subject of a Complaint\n\n**Related information**  \n\nEntering Subject ID\n\nSearching for Subject\n\nCreating a Non-NMLS Entity",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_init_nonNMLS_discuss-1.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_init_nonNMLS_discuss-1.md",
      "headings": [
        "Accessing the Discussion for a Non-NMLS Entity {#xd_639cae5476ab2d25--35e9ed5d-1808057a2e5--7ff0 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/t_agency_compl_init_nonNMLS_discuss-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/t_agency_compl_init_nonNMLS_discuss.md:chunk-0",
      "title": "Accessing the Discussion for a Non-NMLS Entity {#xd_639cae5476ab2d25--35e9ed5d-1808057a2e5--7ff0 .task}",
      "content": "# Accessing the Discussion for a Non-NMLS Entity \n\nThe discussion board allows agencies to share information about companies with consumer complaints, but which are not registered in NMLS.\n\nUse the platform like any other social media platform or internet forum. You can enter comments, request information changes about the entity, and tag other users or agencies.\n\nSelecting **All Agencies** for **Tag Agency** tags the discussion post for all agencies actively using SES to process complaints at this time. If your agency is tagged in a post, users with the Complaint Supervisor role receive a notification.\n\nSelecting **Request Info Change** notifies the original agency that created the non-NMLS entity since only they can update the entity’s information in the system.\n\nYou can upload documents to your board posts.\n\n1.  Click **NON-NMLS Entities**.\n\n    \n\n2.  Search for the desired non-NMLS entity by **Entity Tracking Number**.\n\n    **Tip:** Click **Show Filters** to search by other criteria.\n\n    \n\n3.  Click the **Entity Tracking Number** for the desired non-NMLS entity.\n\n    \n\n    **Note:** The chat bubble icon in the **Posts** column indicates activity on the Discussion page for a non-NMLS entity.\n\n4.  Click **Discussion**.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_init_nonNMLS_discuss.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_init_nonNMLS_discuss.md",
      "headings": [
        "Accessing the Discussion for a Non-NMLS Entity {#xd_639cae5476ab2d25--35e9ed5d-1808057a2e5--7ff0 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/t_agency_compl_init_nonNMLS_discuss.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/t_agency_compl_prelimRvw-1.md:chunk-0",
      "title": "Completing Preliminary Review of a Complaint {#t_agency_complaintPrelimReview .task}",
      "content": "# Completing Preliminary Review of a Complaint \n\nWhen entering a complaint, you have the option of sending it for preliminary review. This functionality is helpful for when a higher profile complaint is being entered and may require further review before it is formally entered into SES.\n\nSome agencies may use this functionality if complaints are entered by administrative staff but must be reviewed by an official complaints staff member before it can be formally entered into SES.\n\n**Note:** Users with the Complaint Supervisor and Complaint Manager roles can complete preliminary review of a complaint. See SES Agency System Roles & Consumer Complaints Roles for more information. **Communication that preliminary review of a complaint needs to be completed must be communicated outside of SES.**\n\n1.  Click **Complaints** in the top menu bar.\n\n    \n\n2.  Click **Show Filters**.\n\n    \n\n3.  Select **Status** > **Pending**.\n\n    \n\n4.  Click the **Complaint ID** hyperlink.\n\n    \n\n5.  Click **Complete Preliminary Review**.\n\n    \n\n6.  Make any desired changes to the complaint information and assign the Agency POC.\n\n7.  Select **Proceed to Processing**.\n\n8.  Click **Submit Review**.\n\n    \n\n    **Note:** You also have the option to close the complaint if it is a duplicate, invalid, or it was referred to another agency. See Complaints Referrals for more information.\n\n    \n\nThe Complaint POC and Complaint Supervisor receive a notification when preliminary review of a complaint is complete.\n\n**Parent topic:**Processing Consumer Complaints",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_prelimRvw-1.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_prelimRvw-1.md",
      "headings": [
        "Completing Preliminary Review of a Complaint {#t_agency_complaintPrelimReview .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/t_agency_compl_prelimRvw-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/t_agency_compl_prelimRvw.md:chunk-0",
      "title": "Completing Preliminary Review of a Complaint {#t_agency_complaintPrelimReview .task}",
      "content": "# Completing Preliminary Review of a Complaint \n\nWhen entering a complaint, you have the option of sending it for preliminary review. This functionality is helpful for when a higher profile complaint is being entered and may require further review before it is formally entered into SES.\n\nSome agencies may use this functionality if complaints are entered by administrative staff but must be reviewed by an official complaints staff member before it can be formally entered into SES.\n\n**Note:** Users with the Complaint Supervisor and Complaint Manager roles can complete preliminary review of a complaint. See SES Agency System Roles & Consumer Complaints Roles for more information. **Communication that preliminary review of a complaint needs to be completed must be communicated outside of SES.**\n\n1.  Click **Complaints** in the top menu bar.\n\n    \n\n2.  Click **Show Filters**.\n\n    \n\n3.  Select **Status** > **Pending**.\n\n    \n\n4.  Click the **Complaint ID** hyperlink.\n\n    \n\n5.  Click **Complete Preliminary Review**.\n\n    \n\n6.  Make any desired changes to the complaint information and assign the Agency POC.\n\n7.  Select **Proceed to Processing**.\n\n8.  Click **Submit Review**.\n\n    \n\n    **Note:** You also have the option to close the complaint if it is a duplicate, invalid, or it was referred to another agency. See Complaints Referrals for more information.\n\n    \n\nThe Complaint POC and Complaint Supervisor receive a notification when preliminary review of a complaint is complete.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_prelimRvw.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_prelimRvw.md",
      "headings": [
        "Completing Preliminary Review of a Complaint {#t_agency_complaintPrelimReview .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/t_agency_compl_prelimRvw.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/t_agency_compl_refer_acceptReject-1.md:chunk-0",
      "title": "Accepting or Rejecting a Complaint Referral {#xd_639cae5476ab2d25--35e9ed5d-1808057a2e5--7ff6 .task}",
      "content": "# Accepting or Rejecting a Complaint Referral \n\nAfter working a complaint, another agency may refer a complaint to yours \\(e.g., the consumer submitted the complaint to the wrong regulatory agency\\).\n\nA complaint can only be referred to your agency prior to information requests being sent to the company or prior to closing the complaint if no information request is sent. Your agency can review the referral and choose to either accept or reject it.\n\n**Note:** All Complaint Supervisors and Managers can accept or reject a complaint referral. See SES Agency System Roles & Consumer Complaints Roles for more information.\n\n1.  >Click the **Complaint ID** hyperlink for the desired referral on the homepage.\n\n    \n\n    **Note:** This home page widget will only display the five most recent referrals. The other way to get to a referral is to open it via the **Complaints** menu at the top of the screen. If the complaint record has an open referral, the status reflects \"Referral in Progress\" and the task is available to all complaints users on the Summary page for that complaint record.\n\n2.  Click the **View Details** icon in the Referral Details section at the bottom of the page.\n\n    \n\n3.  Review the full complaint record to determine if the complaint belongs with your agency.\n\n4.  Click **Respond to Referral**.\n\n    \n\n5.  To accept the referral:\n\n    1.  Select **Accept**.\n\n        \n\n    2.  Enter any response comments you may have.\n\n    3.  Select a **Complaint POC**.\n\n        \n\n    4.  Click **Accept Referral**.\n\n        \n\n6.  To reject the referral:\n\n    1.  Select **Reject**.\n\n        \n\n    2.  Enter any response comments you may have.\n\n    3.  Click **Reject Referral**,\n\n        \n\n**Parent topic:**Complaints Referrals",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_refer_acceptReject-1.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_refer_acceptReject-1.md",
      "headings": [
        "Accepting or Rejecting a Complaint Referral {#xd_639cae5476ab2d25--35e9ed5d-1808057a2e5--7ff6 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/t_agency_compl_refer_acceptReject-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/t_agency_compl_refer_acceptReject.md:chunk-0",
      "title": "Accepting or Rejecting a Complaint Referral {#xd_639cae5476ab2d25--35e9ed5d-1808057a2e5--7ff6 .task}",
      "content": "# Accepting or Rejecting a Complaint Referral \n\nAfter working a complaint, another agency may refer a complaint to yours \\(e.g., the consumer submitted the complaint to the wrong regulatory agency\\).\n\nA complaint can only be referred to your agency prior to information requests being sent to the company or prior to closing the complaint if no information request is sent. Your agency can review the referral and choose to either accept or reject it.\n\n**Note:** All Complaint Supervisors and Managers can accept or reject a complaint referral. See SES Agency System Roles & Consumer Complaints Roles for more information.\n\n1.  >Click the **Complaint ID** hyperlink for the desired referral on the homepage.\n\n    \n\n    **Note:** This home page widget will only display the five most recent referrals. The other way to get to a referral is to open it via the **Complaints** menu at the top of the screen. If the complaint record has an open referral, the status reflects \"Referral in Progress\" and the task is available to all complaints users on the Summary page for that complaint record.\n\n2.  Click the **View Details** icon in the Referral Details section at the bottom of the page.\n\n    \n\n3.  Review the full complaint record to determine if the complaint belongs with your agency.\n\n4.  Click **Respond to Referral**.\n\n    \n\n5.  To accept the referral:\n\n    1.  Select **Accept**.\n\n        \n\n    2.  Enter any response comments you may have.\n\n    3.  Select a **Complaint POC**.\n\n        \n\n    4.  Click **Accept Referral**.\n\n        \n\n6.  To reject the referral:\n\n    1.  Select **Reject**.\n\n        \n\n    2.  Enter any response comments you may have.\n\n    3.  Click **Reject Referral**,",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_refer_acceptReject.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_refer_acceptReject.md",
      "headings": [
        "Accepting or Rejecting a Complaint Referral {#xd_639cae5476ab2d25--35e9ed5d-1808057a2e5--7ff6 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/t_agency_compl_refer_acceptReject.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/t_agency_compl_remAccess_accReqRpt-1.md:chunk-0",
      "title": "Removing Agency Access from the Access Request Report Page {#xd_80647b36c08634d1--224c7740-180a488b21a--7fd3 .task}",
      "content": "# Removing Agency Access from the Access Request Report Page \n\nAfter granting another agency access to view the details of a complaint, users assigned the Complaints Supervisor role can remove the access, at any time.\n\n**Note:** All Complaint Supervisors can remove another agency’s access to a complaint. See SES Agency System Roles & Consumer Complaints Roles for more information.\n\n1.  Click **Manage Complaints**.\n\n    \n\n2.  Select the **Agency Reports** drop-down menu from the Top Menu of the homepage.\n\n     ![Agency Reports Top Menu]()\n\n3.  Select **Access Requests**.\n\n4.  Click **My Agency’s Decisions**.\n\n    \n\n5.  Click the **View Details** icon for the desired complaint access request.\n\n    \n\n6.  Click **Remove Agency Access**.\n\n    \n\n7.  Click **Remove Agency Access**.\n\n    \n\n8.  Click **Confirm**.\n\n    Your decision is reflected on the Access History tab of the complaint record.\n\n    \n\n**Parent topic:**Managing Consumer Complaints",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_remAccess_accReqRpt-1.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_remAccess_accReqRpt-1.md",
      "headings": [
        "Removing Agency Access from the Access Request Report Page {#xd_80647b36c08634d1--224c7740-180a488b21a--7fd3 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/t_agency_compl_remAccess_accReqRpt-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/t_agency_compl_remAccess_accReqRpt-1_2.md:chunk-0",
      "title": "Removing Agency Access from the Access Request Report Page {#xd_80647b36c08634d1--224c7740-180a488b21a--7fd3 .task}",
      "content": "# Removing Agency Access from the Access Request Report Page \n\nAfter granting another agency access to view the details of a complaint, users assigned the Complaints Supervisor role can remove the access, at any time.\n\n**Note:** All Complaint Supervisors can remove another agency’s access to a complaint. See SES Agency System Roles & Consumer Complaints Roles for more information.\n\n1.  Click **Manage Complaints**.\n\n    \n\n2.  Select the **Agency Reports** drop-down menu from the Top Menu of the homepage.\n\n     ![Agency Reports Top Menu]()\n\n3.  Select **Access Requests**.\n\n4.  Click **My Agency’s Decisions**.\n\n    \n\n5.  Click the **View Details** icon for the desired complaint access request.\n\n    \n\n6.  Click **Remove Agency Access**.\n\n    \n\n7.  Click **Remove Agency Access**.\n\n    \n\n8.  Click **Confirm**.\n\n    Your decision is reflected on the Access History tab of the complaint record.\n\n    \n\n**Parent topic:**SES Consumer Complaints Reports",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_remAccess_accReqRpt-1_2.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_remAccess_accReqRpt-1_2.md",
      "headings": [
        "Removing Agency Access from the Access Request Report Page {#xd_80647b36c08634d1--224c7740-180a488b21a--7fd3 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/t_agency_compl_remAccess_accReqRpt-1_2.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/t_agency_compl_remAccess_accReqRpt.md:chunk-0",
      "title": "Removing Agency Access from the Access Request Report Page {#xd_80647b36c08634d1--224c7740-180a488b21a--7fd3 .task}",
      "content": "# Removing Agency Access from the Access Request Report Page \n\nAfter granting another agency access to view the details of a complaint, users assigned the Complaints Supervisor role can remove the access, at any time.\n\n**Note:** All Complaint Supervisors can remove another agency’s access to a complaint. See SES Agency System Roles & Consumer Complaints Roles for more information.\n\n1.  Click **Manage Complaints**.\n\n    \n\n2.  Select the **Agency Reports** drop-down menu from the Top Menu of the homepage.\n\n     ![Agency Reports Top Menu]()\n\n3.  Select **Access Requests**.\n\n4.  Click **My Agency’s Decisions**.\n\n    \n\n5.  Click the **View Details** icon for the desired complaint access request.\n\n    \n\n6.  Click **Remove Agency Access**.\n\n    \n\n7.  Click **Remove Agency Access**.\n\n    \n\n8.  Click **Confirm**.\n\n    Your decision is reflected on the Access History tab of the complaint record.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_remAccess_accReqRpt.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_remAccess_accReqRpt.md",
      "headings": [
        "Removing Agency Access from the Access Request Report Page {#xd_80647b36c08634d1--224c7740-180a488b21a--7fd3 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/t_agency_compl_remAccess_accReqRpt.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/t_agency_compl_remAccess_complaintRec-1.md:chunk-0",
      "title": "Removing Agency Access from a Complaint Record {#xd_80647b36c08634d1--224c7740-180a488b21a--7fd4 .task}",
      "content": "# Removing Agency Access from a Complaint Record \n\nAfter granting another agency access to view the details of a complaint, users assigned the Complaints Supervisor role can remove the access, at any time.\n\n**Note:** All Complaint Supervisors can remove another agency’s access to a complaint. See SES Agency System Roles & Consumer Complaints Roles for more information.\n\n1.  Navigate to the complaint.\n\n    \n\n2.  Click **View Access**.\n\n    \n\n3.  Click the **View Details** icon for the desired complaint access request.\n\n    \n\n4.  Click **Remove Agency Access**.\n\n    \n\n5.  Click **Remove Agency Access**.\n\n    \n\n6.  Click **Confirm**.\n\n    Your decision is reflected on the Access History tab of the complaint record.\n\n    \n\n**Parent topic:**Managing Consumer Complaints",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_remAccess_complaintRec-1.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_remAccess_complaintRec-1.md",
      "headings": [
        "Removing Agency Access from a Complaint Record {#xd_80647b36c08634d1--224c7740-180a488b21a--7fd4 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/t_agency_compl_remAccess_complaintRec-1.html",
      "snippet": null
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    {
      "id": "maps/SES/chapter/complaint/topics/t_agency_compl_remAccess_complaintRec.md:chunk-0",
      "title": "Removing Agency Access from a Complaint Record {#xd_80647b36c08634d1--224c7740-180a488b21a--7fd4 .task}",
      "content": "# Removing Agency Access from a Complaint Record \n\nAfter granting another agency access to view the details of a complaint, users assigned the Complaints Supervisor role can remove the access, at any time.\n\n**Note:** All Complaint Supervisors can remove another agency’s access to a complaint. See SES Agency System Roles & Consumer Complaints Roles for more information.\n\n1.  Navigate to the complaint.\n\n    \n\n2.  Click **View Access**.\n\n    \n\n3.  Click the **View Details** icon for the desired complaint access request.\n\n    \n\n4.  Click **Remove Agency Access**.\n\n    \n\n5.  Click **Remove Agency Access**.\n\n    \n\n6.  Click **Confirm**.\n\n    Your decision is reflected on the Access History tab of the complaint record.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_remAccess_complaintRec.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_remAccess_complaintRec.md",
      "headings": [
        "Removing Agency Access from a Complaint Record {#xd_80647b36c08634d1--224c7740-180a488b21a--7fd4 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/t_agency_compl_remAccess_complaintRec.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/t_agency_compl_reqAccess-1.md:chunk-0",
      "title": "Requesting Access to a Complaint {#xd_80647b36c08634d1--224c7740-180a488b21a--7fe2 .task}",
      "content": "# Requesting Access to a Complaint \n\nAs an agency complaints user in SES, you have access to view basic information about complaints across all agencies. You can also request access to view the full details of another agency’s complaint.\n\n**Note:** Any user at your agency can request access to another agency's complaint. The only exception is users that only hold a supervisory activity role in SES; they cannot request access to another agency's complaint. The access request feature is not available for complaints that are in a pending referral status. See SES Agency System Roles & Consumer Complaints Roles for more information.\n\n1.  Log in to SES.\n\n2.  Click **Manage Complaints**.\n\n    \n\n3.  Click **Complaints** in the top menu bar.\n\n    \n\n4.  Click **All Complaints**.\n\n    \n\n5.  Click the **Complaint ID** hyperlink.\n\n    \n\n6.  Click **Request Access**.\n\n    \n\n7.  Enter any relevant comments.\n\n8.  Click **Request Access**.\n\n    \n\nAll Complaint Supervisors at the agency from which access was requested receive a notification to accept or reject the access request and the status is displayed on their homepage.\n\nYou can see the status of your request on the View Access page of the complaint record. You can see the status of all other access requests in the Request History area of the Access Report page.\n\nYou are notified when the agency grants or rejects access to the complaint.\n\n**Parent topic:**Managing Consumer Complaints",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_reqAccess-1.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_reqAccess-1.md",
      "headings": [
        "Requesting Access to a Complaint {#xd_80647b36c08634d1--224c7740-180a488b21a--7fe2 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/t_agency_compl_reqAccess-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/t_agency_compl_reqAccess.md:chunk-0",
      "title": "Requesting Access to a Complaint {#xd_80647b36c08634d1--224c7740-180a488b21a--7fe2 .task}",
      "content": "# Requesting Access to a Complaint \n\nAs an agency complaints user in SES, you have access to view basic information about complaints across all agencies. You can also request access to view the full details of another agency’s complaint.\n\n**Note:** Any user at your agency can request access to another agency's complaint. The only exception is users that only hold a supervisory activity role in SES; they cannot request access to another agency's complaint. The access request feature is not available for complaints that are in a pending referral status. See SES Agency System Roles & Consumer Complaints Roles for more information.\n\n1.  Log in to SES.\n\n2.  Click **Manage Complaints**.\n\n    \n\n3.  Click **Complaints** in the top menu bar.\n\n    \n\n4.  Click **All Complaints**.\n\n    \n\n5.  Click the **Complaint ID** hyperlink.\n\n    \n\n6.  Click **Request Access**.\n\n    \n\n7.  Enter any relevant comments.\n\n8.  Click **Request Access**.\n\n    \n\nAll Complaint Supervisors at the agency from which access was requested receive a notification to accept or reject the access request and the status is displayed on their homepage.\n\nYou can see the status of your request on the View Access page of the complaint record. You can see the status of all other access requests in the Request History area of the Access Report page.\n\nYou are notified when the agency grants or rejects access to the complaint.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_reqAccess.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_reqAccess.md",
      "headings": [
        "Requesting Access to a Complaint {#xd_80647b36c08634d1--224c7740-180a488b21a--7fe2 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/t_agency_compl_reqAccess.html",
      "snippet": null
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    {
      "id": "maps/SES/chapter/complaint/topics/t_agency_compl_reqAccess_Rpt-1.md:chunk-0",
      "title": "Accepting or Rejecting Access to a Complaint Using the Access Request Report {#xd_80647b36c08634d1--224c7740-180a488b21a--7fd5 .task}",
      "content": "# Accepting or Rejecting Access to a Complaint Using the Access Request Report \n\nOther agencies can request to view the full details of a complaint owned by your agency. When your agency receives a request to view a complaint, all complaint supervisors at your agency will be notified via email.\n\nAll users assigned the Complaint Supervisor role in SES can accept or reject access to a complaint. This gives each agency flexibility around who handles view requests but limits it to only those with the appropriate role. Be sure to discuss with your team who is responsible for this process at your agency. Accepting the request allows all requesting agency’s complaints users to view the entire complaint and preview and download all uploaded documentation.\n\n1.  Click **Manage Complaints**.\n\n    \n\n2.  Select the **Agency Reports** drop-down menu from the Top Menu of the homepage.\n\n     ![Agency Reports Top Menu]()\n\n3.  Select **Access Requests**.\n\n4.  Click the **View Details** icon for the desired complaint access request.\n\n    \n\n5.  Review the access request details.\n\n6.  Click **Review Access Request**.\n\n    \n\n7.  To accept access:\n\n    1.  Select **Accept**.\n\n        \n\n    2.  Enter any comments you may have.\n\n    3.  Click **Accept Request**.\n\n        \n\n8.  To reject access:\n\n    1.  Select **Reject**.\n\n        \n\n    2.  Enter any comments you may have.\n\n    3.  Click **Reject Request**.\n\n        \n\n    Your decision is reflected on the My Agency’s Decisions tab.\n\n    \n\n    Once viewing access is granted, it does not expire. It is the responsibility of the complaint supervisors at the agency to manage who has this extra level of access to their complaint. Viewing access can be removed at any time. See Removing Agency Access from a Complaint Record for more information.\n\n**Parent topic:**Managing Consumer Complaints",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_reqAccess_Rpt-1.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_reqAccess_Rpt-1.md",
      "headings": [
        "Accepting or Rejecting Access to a Complaint Using the Access Request Report {#xd_80647b36c08634d1--224c7740-180a488b21a--7fd5 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/t_agency_compl_reqAccess_Rpt-1.html",
      "snippet": null
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    {
      "id": "maps/SES/chapter/complaint/topics/t_agency_compl_reqAccess_Rpt-1_2.md:chunk-0",
      "title": "Accepting or Rejecting Access to a Complaint Using the Access Request Report {#xd_80647b36c08634d1--224c7740-180a488b21a--7fd5 .task}",
      "content": "# Accepting or Rejecting Access to a Complaint Using the Access Request Report \n\nOther agencies can request to view the full details of a complaint owned by your agency. When your agency receives a request to view a complaint, all complaint supervisors at your agency will be notified via email.\n\nAll users assigned the Complaint Supervisor role in SES can accept or reject access to a complaint. This gives each agency flexibility around who handles view requests but limits it to only those with the appropriate role. Be sure to discuss with your team who is responsible for this process at your agency. Accepting the request allows all requesting agency’s complaints users to view the entire complaint and preview and download all uploaded documentation.\n\n1.  Click **Manage Complaints**.\n\n    \n\n2.  Select the **Agency Reports** drop-down menu from the Top Menu of the homepage.\n\n     ![Agency Reports Top Menu]()\n\n3.  Select **Access Requests**.\n\n4.  Click the **View Details** icon for the desired complaint access request.\n\n    \n\n5.  Review the access request details.\n\n6.  Click **Review Access Request**.\n\n    \n\n7.  To accept access:\n\n    1.  Select **Accept**.\n\n        \n\n    2.  Enter any comments you may have.\n\n    3.  Click **Accept Request**.\n\n        \n\n8.  To reject access:\n\n    1.  Select **Reject**.\n\n        \n\n    2.  Enter any comments you may have.\n\n    3.  Click **Reject Request**.\n\n        \n\n    Your decision is reflected on the My Agency’s Decisions tab.\n\n    \n\n    Once viewing access is granted, it does not expire. It is the responsibility of the complaint supervisors at the agency to manage who has this extra level of access to their complaint. Viewing access can be removed at any time. See Removing Agency Access from a Complaint Record for more information.\n\n**Parent topic:**SES Consumer Complaints Reports",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_reqAccess_Rpt-1_2.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_reqAccess_Rpt-1_2.md",
      "headings": [
        "Accepting or Rejecting Access to a Complaint Using the Access Request Report {#xd_80647b36c08634d1--224c7740-180a488b21a--7fd5 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/t_agency_compl_reqAccess_Rpt-1_2.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/t_agency_compl_reqAccess_Rpt.md:chunk-0",
      "title": "Accepting or Rejecting Access to a Complaint Using the Access Request Report {#xd_80647b36c08634d1--224c7740-180a488b21a--7fd5 .task}",
      "content": "# Accepting or Rejecting Access to a Complaint Using the Access Request Report \n\nOther agencies can request to view the full details of a complaint owned by your agency. When your agency receives a request to view a complaint, all complaint supervisors at your agency will be notified via email.\n\nAll users assigned the Complaint Supervisor role in SES can accept or reject access to a complaint. This gives each agency flexibility around who handles view requests but limits it to only those with the appropriate role. Be sure to discuss with your team who is responsible for this process at your agency. Accepting the request allows all requesting agency’s complaints users to view the entire complaint and preview and download all uploaded documentation.\n\n1.  Click **Manage Complaints**.\n\n    \n\n2.  Select the **Agency Reports** drop-down menu from the Top Menu of the homepage.\n\n     ![Agency Reports Top Menu]()\n\n3.  Select **Access Requests**.\n\n4.  Click the **View Details** icon for the desired complaint access request.\n\n    \n\n5.  Review the access request details.\n\n6.  Click **Review Access Request**.\n\n    \n\n7.  To accept access:\n\n    1.  Select **Accept**.\n\n        \n\n    2.  Enter any comments you may have.\n\n    3.  Click **Accept Request**.\n\n        \n\n8.  To reject access:\n\n    1.  Select **Reject**.\n\n        \n\n    2.  Enter any comments you may have.\n\n    3.  Click **Reject Request**.\n\n        \n\n    Your decision is reflected on the My Agency’s Decisions tab.\n\n    \n\n    Once viewing access is granted, it does not expire. It is the responsibility of the complaint supervisors at the agency to manage who has this extra level of access to their complaint. Viewing access can be removed at any time. See Removing Agency Access from a Complaint Record for more information.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_reqAccess_Rpt.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_reqAccess_Rpt.md",
      "headings": [
        "Accepting or Rejecting Access to a Complaint Using the Access Request Report {#xd_80647b36c08634d1--224c7740-180a488b21a--7fd5 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/t_agency_compl_reqAccess_Rpt.html",
      "snippet": null
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    {
      "id": "maps/SES/chapter/complaint/topics/t_agency_compl_rvw_IR_resp-1.md:chunk-0",
      "title": "Reviewing Information Request Responses for Complaints {#xd_80647b36c08634d1--224c7740-180a488b21a--7fdb .task}",
      "content": "# Reviewing Information Request Responses for Complaints \n\nOnce a company responds to your information requests \\(IRs\\), agency complaint users can begin reviewing IR responses. Complaints supervisors and complaints managers can review an IR response from companies and decide if the response is sufficient or requires further detail.\n\n**Note:** Users with the Complaint Supervisor and Complaint Manager roles can review information request responses for complaints. See SES Agency System Roles & Consumer Complaints Roles for more information.\n\nIf the IR response is satisfactory, you can mark it **Quick Look Complete**. This signals to others helping you work the complaint that you have looked at the response and it meets your needs.\n\nIn the case of an insufficient IR Response from a company, all users assigned a Consumer Complaints role with the **Manage Complaints** permission can return the response. This back-and-forth between you and the company can happen as many times as necessary until you have a response that is satisfactory.\n\nSee Managing Information Requests for Complaints for information on canceling or updating the due date of an IR.\n\n1.  Navigate to the complaint.\n\n    \n\n2.  Click **Information Requests**.\n\n    \n\n    **Note:** IRs that have received a response are indicated by a green check in the Status column.\n\n    \n\n3.  Search for the desired IR response.\n\n    **Note:** To search through the full list of IRs and response text, click **Show Filters**.\n\n    \n\n    \n\n4.  Click the desired **IR ID**.\n\n    \n\n5.  Choose **Quick Look Complete** or **Send Back to Company**.\n\n    -   **Quick Look Complete**: This signals to others helping you work the complaint that you have looked at the response and it meets your needs.\n    -   **Send Back to Company**: This back-and-forth between you and the company can happen as many times as necessary until you have a response that is satisfactory.\n    \n\n6.  Click **Quick Look Complete**.\n\n    **Note:** Click **Remove Quick L",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_rvw_IR_resp-1.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_rvw_IR_resp-1.md",
      "headings": [
        "Reviewing Information Request Responses for Complaints {#xd_80647b36c08634d1--224c7740-180a488b21a--7fdb .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/t_agency_compl_rvw_IR_resp-1.html",
      "snippet": null
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    {
      "id": "maps/SES/chapter/complaint/topics/t_agency_compl_rvw_IR_resp-1.md:chunk-1",
      "title": "Reviewing Information Request Responses for Complaints {#xd_80647b36c08634d1--224c7740-180a488b21a--7fdb .task}",
      "content": "d-forth between you and the company can happen as many times as necessary until you have a response that is satisfactory.\n    \n\n6.  Click **Quick Look Complete**.\n\n    **Note:** Click **Remove Quick Look** to revert the IR response to an unreviewed status.\n\n    \n\n    Other complaints users are informed that the IR response has been reviewed. The company is not notified about this selection.\n\n7.  Click **Send Back to Company**.\n\n    1.  Provide a response explaining why the IR response is being sent back, uploading any necessary documents.\n\n        \n\n    2.  Click **Send Back to Company**.\n\nIf a company’s response to an IR prompts you to think of more questions to ask, you can create and send more IRs to the company.\n\n**Parent topic:**Processing Consumer Complaints",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_rvw_IR_resp-1.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_rvw_IR_resp-1.md",
      "headings": [
        "Reviewing Information Request Responses for Complaints {#xd_80647b36c08634d1--224c7740-180a488b21a--7fdb .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/t_agency_compl_rvw_IR_resp-1.html",
      "snippet": null
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    {
      "id": "maps/SES/chapter/complaint/topics/t_agency_compl_rvw_IR_resp.md:chunk-0",
      "title": "Reviewing Information Request Responses for Complaints {#xd_80647b36c08634d1--224c7740-180a488b21a--7fdb .task}",
      "content": "# Reviewing Information Request Responses for Complaints \n\nOnce a company responds to your information requests \\(IRs\\), agency complaint users can begin reviewing IR responses. Complaints supervisors and complaints managers can review an IR response from companies and decide if the response is sufficient or requires further detail.\n\n**Note:** Users with the Complaint Supervisor and Complaint Manager roles can review information request responses for complaints. See SES Agency System Roles & Consumer Complaints Roles for more information.\n\nIf the IR response is satisfactory, you can mark it **Quick Look Complete**. This signals to others helping you work the complaint that you have looked at the response and it meets your needs.\n\nIn the case of an insufficient IR Response from a company, all users assigned a Consumer Complaints role with the **Manage Complaints** permission can return the response. This back-and-forth between you and the company can happen as many times as necessary until you have a response that is satisfactory.\n\nSee Managing Information Requests for Complaints for information on canceling or updating the due date of an IR.\n\n1.  Navigate to the complaint.\n\n    \n\n2.  Click **Information Requests**.\n\n    \n\n    **Note:** IRs that have received a response are indicated by a green check in the Status column.\n\n    \n\n3.  Search for the desired IR response.\n\n    **Note:** To search through the full list of IRs and response text, click **Show Filters**.\n\n    \n\n    \n\n4.  Click the desired **IR ID**.\n\n    \n\n5.  Choose **Quick Look Complete** or **Send Back to Company**.\n\n    -   **Quick Look Complete**: This signals to others helping you work the complaint that you have looked at the response and it meets your needs.\n    -   **Send Back to Company**: This back-and-forth between you and the company can happen as many times as necessary until you have a response that is satisfactory.\n    \n\n6.  Click **Quick Look Complete**.\n\n    **Note:** Click **Remove Quick L",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_rvw_IR_resp.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_rvw_IR_resp.md",
      "headings": [
        "Reviewing Information Request Responses for Complaints {#xd_80647b36c08634d1--224c7740-180a488b21a--7fdb .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/t_agency_compl_rvw_IR_resp.html",
      "snippet": null
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    {
      "id": "maps/SES/chapter/complaint/topics/t_agency_compl_rvw_IR_resp.md:chunk-1",
      "title": "Reviewing Information Request Responses for Complaints {#xd_80647b36c08634d1--224c7740-180a488b21a--7fdb .task}",
      "content": "d-forth between you and the company can happen as many times as necessary until you have a response that is satisfactory.\n    \n\n6.  Click **Quick Look Complete**.\n\n    **Note:** Click **Remove Quick Look** to revert the IR response to an unreviewed status.\n\n    \n\n    Other complaints users are informed that the IR response has been reviewed. The company is not notified about this selection.\n\n7.  Click **Send Back to Company**.\n\n    1.  Provide a response explaining why the IR response is being sent back, uploading any necessary documents.\n\n        \n\n    2.  Click **Send Back to Company**.\n\nIf a company’s response to an IR prompts you to think of more questions to ask, you can create and send more IRs to the company.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_rvw_IR_resp.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_rvw_IR_resp.md",
      "headings": [
        "Reviewing Information Request Responses for Complaints {#xd_80647b36c08634d1--224c7740-180a488b21a--7fdb .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/t_agency_compl_rvw_IR_resp.html",
      "snippet": null
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    {
      "id": "maps/SES/chapter/complaint/topics/t_agency_compl_sendIRs2Comp-1.md:chunk-0",
      "title": "Sending an Information Request to the Company {#t_agency_complaintSendIRtoCompany .task}",
      "content": "# Sending an Information Request to the Company \n\nThe agency point of contact for complaints or the complaint manager assigned to the complaint can send the information requests to the company.\n\n**Note:** The agency POC and users with the Complaint Manager role can send information requests to the subject of a complaint.\n\nThe Agency POC is responsible for managing the complaint from start to finish. SES automatically assigns the Agency POC role to the user who enters a complaint into the system unless the complaint is sent for preliminary review. In that case, the person conducting the preliminary review has the option to select an Agency POC for the complaint.\n\nThe Complaints Company POC is the individual responsible for sending complaint IR responses to the agency. This person can also review and update responses drafted by other complaints users.\n\nThe Company Complaints Contact is the user who received the initial notification of a new Complaint in SES and is responsible for managing the Company POC assigned to the Complaint.\n\n1.  Navigate to the complaint.\n\n    \n\n2.  Click **Send Information Requests**.\n\n    \n\n    **Note:** The agency POC and users with the Complaint Manager role can send information requests to the subject of a complaint.\n\n3.  Enter a **Bulk Due Date**.\n\n    \n\n    **Note:** All information requests are selected by default. Deselect an information request by clicking anywhere on the row. The bulk due date will be applied to all information requests that do not have a due date set. Update an individual due date by clicking on the due date link.\n\n4.  Click **Click here to Validate the selected Requests**.\n\n    \n\n    **Note:** This step validates the due dates entered for the requests you selected to send to the company are in the future.\n\n5.  Complete the form for sending an IR.\n\n    -   **Commentary**: Type any comments for the company.\n    -   **Upload Documents**: Select documents that you want to send to the company.\n    -   **File Sharing Lin",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_sendIRs2Comp-1.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_sendIRs2Comp-1.md",
      "headings": [
        "Sending an Information Request to the Company {#t_agency_complaintSendIRtoCompany .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/t_agency_compl_sendIRs2Comp-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/t_agency_compl_sendIRs2Comp-1.md:chunk-1",
      "title": "Sending an Information Request to the Company {#t_agency_complaintSendIRtoCompany .task}",
      "content": " the form for sending an IR.\n\n    -   **Commentary**: Type any comments for the company.\n    -   **Upload Documents**: Select documents that you want to send to the company.\n    -   **File Sharing Link**: Optional. Only use this field to provide a file sharing link for responses that may require an external file sharing solution \\(i.e., those that exceed 1GB in size\\). All other responses should be submitted through the system.\n    -   **Response Notification**: Choose whether to receive a notification when the company responds to the IR. If you select **Yes**, you can select who in addition to the Agency POC and Complaints Supervisors receives the notification.\n    **Note:** The initial set of IRs accompany the complaint when it is first sent to the company. The documents uploaded at this stage of the information request process are expected to be introductory documents that might help to explain the information request. Do not upload specific forms to be completed here.\n\n6.  Enter an optional response file sharing link.\n\n    This allows the company to provide responses that may require an external file sharing solution \\(i.e, those that exceed 1GB in size\\).\n\n    \n\n7.  Click **Send Information Requests**.\n\n    \n\n    **Note:** If you have not previously communicated with the company about the supervisory activity \\(SA\\), this action triggers a task in SES for the company to assign a company lead for the SA.\n\n    **Note:** The IRs added to a complaint or a supervisory activity can be sent to the company even if the company has not yet completed enrollment in SES. When you send the information requests, you can click **Company User Enrollment** to create a new user account or send a reminder for the company to finish enrollment. The company is not able to view the details of an IR or submit responses until company enrollment is complete.\n\n    \n\n8.  Click **Confirm**.\n\n    **Note:** Only when all IRs are sent to the company does the status change to Sent to Company. S",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_sendIRs2Comp-1.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_sendIRs2Comp-1.md",
      "headings": [
        "Sending an Information Request to the Company {#t_agency_complaintSendIRtoCompany .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/t_agency_compl_sendIRs2Comp-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/t_agency_compl_sendIRs2Comp-1.md:chunk-2",
      "title": "Sending an Information Request to the Company {#t_agency_complaintSendIRtoCompany .task}",
      "content": "s of an IR or submit responses until company enrollment is complete.\n\n    \n\n8.  Click **Confirm**.\n\n    **Note:** Only when all IRs are sent to the company does the status change to Sent to Company. Sending all IRs is not required.\n\n    \n\n    **Note:** You can send a reminder to all company participants for all outstanding information requests in the Information Request Reminders section on the Information Requests page.\n\n    \n\n**Parent topic:**Managing Information Requests for Complaints\n\n**Related information**  \n\nAdding an Information Request to a Complaint\n\nUpdating the Due Date for a Single IR\n\nUpdating Due Dates for IRs in Bulk\n\nCanceling Information Requests for a Complaint\n\nRemoving Information Requests\n\nSending Reminders for Information Requests\n\nResponding to a Complaint IR Due Date Extension Request\n\nResponding to a Company's Request to Send Back a Complaint IR",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_sendIRs2Comp-1.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_sendIRs2Comp-1.md",
      "headings": [
        "Sending an Information Request to the Company {#t_agency_complaintSendIRtoCompany .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/t_agency_compl_sendIRs2Comp-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/t_agency_compl_sendIRs2Comp.md:chunk-0",
      "title": "Sending an Information Request to the Company {#t_agency_complaintSendIRtoCompany .task}",
      "content": "# Sending an Information Request to the Company \n\nThe agency point of contact for complaints or the complaint manager assigned to the complaint can send the information requests to the company.\n\n**Note:** The agency POC and users with the Complaint Manager role can send information requests to the subject of a complaint.\n\nThe Agency POC is responsible for managing the complaint from start to finish. SES automatically assigns the Agency POC role to the user who enters a complaint into the system unless the complaint is sent for preliminary review. In that case, the person conducting the preliminary review has the option to select an Agency POC for the complaint.\n\nThe Complaints Company POC is the individual responsible for sending complaint IR responses to the agency. This person can also review and update responses drafted by other complaints users.\n\nThe Company Complaints Contact is the user who received the initial notification of a new Complaint in SES and is responsible for managing the Company POC assigned to the Complaint.\n\n1.  Navigate to the complaint.\n\n    \n\n2.  Click **Send Information Requests**.\n\n    \n\n    **Note:** The agency POC and users with the Complaint Manager role can send information requests to the subject of a complaint.\n\n3.  Enter a **Bulk Due Date**.\n\n    \n\n    **Note:** All information requests are selected by default. Deselect an information request by clicking anywhere on the row. The bulk due date will be applied to all information requests that do not have a due date set. Update an individual due date by clicking on the due date link.\n\n4.  Click **Click here to Validate the selected Requests**.\n\n    \n\n    **Note:** This step validates the due dates entered for the requests you selected to send to the company are in the future.\n\n5.  Complete the form for sending an IR.\n\n    -   **Commentary**: Type any comments for the company.\n    -   **Upload Documents**: Select documents that you want to send to the company.\n    -   **File Sharing Lin",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_sendIRs2Comp.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_sendIRs2Comp.md",
      "headings": [
        "Sending an Information Request to the Company {#t_agency_complaintSendIRtoCompany .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/t_agency_compl_sendIRs2Comp.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/t_agency_compl_sendIRs2Comp.md:chunk-1",
      "title": "Sending an Information Request to the Company {#t_agency_complaintSendIRtoCompany .task}",
      "content": " the form for sending an IR.\n\n    -   **Commentary**: Type any comments for the company.\n    -   **Upload Documents**: Select documents that you want to send to the company.\n    -   **File Sharing Link**: Optional. Only use this field to provide a file sharing link for responses that may require an external file sharing solution \\(i.e., those that exceed 1GB in size\\). All other responses should be submitted through the system.\n    -   **Response Notification**: Choose whether to receive a notification when the company responds to the IR. If you select **Yes**, you can select who in addition to the Agency POC and Complaints Supervisors receives the notification.\n    **Note:** The initial set of IRs accompany the complaint when it is first sent to the company. The documents uploaded at this stage of the information request process are expected to be introductory documents that might help to explain the information request. Do not upload specific forms to be completed here.\n\n6.  Enter an optional response file sharing link.\n\n    This allows the company to provide responses that may require an external file sharing solution \\(i.e, those that exceed 1GB in size\\).\n\n    \n\n7.  Click **Send Information Requests**.\n\n    \n\n    **Note:** If you have not previously communicated with the company about the supervisory activity \\(SA\\), this action triggers a task in SES for the company to assign a company lead for the SA.\n\n    **Note:** The IRs added to a complaint or a supervisory activity can be sent to the company even if the company has not yet completed enrollment in SES. When you send the information requests, you can click **Company User Enrollment** to create a new user account or send a reminder for the company to finish enrollment. The company is not able to view the details of an IR or submit responses until company enrollment is complete.\n\n    \n\n8.  Click **Confirm**.\n\n    **Note:** Only when all IRs are sent to the company does the status change to Sent to Company. S",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_sendIRs2Comp.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_sendIRs2Comp.md",
      "headings": [
        "Sending an Information Request to the Company {#t_agency_complaintSendIRtoCompany .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/t_agency_compl_sendIRs2Comp.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/t_agency_compl_sendIRs2Comp.md:chunk-2",
      "title": "Sending an Information Request to the Company {#t_agency_complaintSendIRtoCompany .task}",
      "content": "s of an IR or submit responses until company enrollment is complete.\n\n    \n\n8.  Click **Confirm**.\n\n    **Note:** Only when all IRs are sent to the company does the status change to Sent to Company. Sending all IRs is not required.\n\n    \n\n    **Note:** You can send a reminder to all company participants for all outstanding information requests in the Information Request Reminders section on the Information Requests page.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_sendIRs2Comp.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_sendIRs2Comp.md",
      "headings": [
        "Sending an Information Request to the Company {#t_agency_complaintSendIRtoCompany .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/t_agency_compl_sendIRs2Comp.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/t_agency_compl_subjSrch-1.md:chunk-0",
      "title": "Searching for Subject {#xd_639cae5476ab2d25--35e9ed5d-1808057a2e5--7ff1 .task}",
      "content": "# Searching for Subject \n\nUse this search option when you do not know the Company SES ID, Nationwide Multistate Licensing System & Registry ID, Entity Tracking Number, or State License Number for the subject.\n\n**Note:** Users with the Complaint Supervisor and Complaint Manager roles can search for the subject of a complaint. See SES Agency System Roles & Consumer Complaints Roles for more information.\n\n**Note:** Users with the Complaint Supervisor and Complaint Manager roles can create a non-NMLS entity. See SES Agency System Roles & Consumer Complaints Roles for more information.\n\n**Important:** If you are unable to locate the desired entity using all search options, you are presented with the option to create a Non-NMLS Entity. It is recommended that you exhaust all search options before proceeding with creating a new Non-NMLS Entity to prevent duplicate entities. Consider reviewing Accessing the Discussion for a Non-NMLS Entity to find entities created by other agency users that have similar characteristics to the subject you are searching for to see more details about the entity.\n\n1.  Click **Search for Subject**.\n\n    \n\n2.  Use the icons at the top of the page to search by name, location, employee, keywords, phone number, or website.\n\n    \n\n3.  If you do not have information for the particular search screen, click **I Do Not Have This Information** to advance through the search options.\n\n    \n\n    \n\n4.  If the subject appears in the search results with either an **SES ID** or an **Entity Tracking Number**:\n\n    1.  Click the **SES ID** to open the company’s record in a new tab.\n\n        \n\n        **Note:** NMLS/SES Companies are pulled into SES from NMLS 1.0.\n\n        This provides the option to initiate onboarding if this has not yet occurred.\n\n    2.  Click the **Entity Tracking Number** to open the Non-NMLS Entity Entity record.\n\n        **Note:** Non-NMLS Entities are records created by other agency Complaints users. They are assigned an Entity Tracking Num",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_subjSrch-1.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_subjSrch-1.md",
      "headings": [
        "Searching for Subject {#xd_639cae5476ab2d25--35e9ed5d-1808057a2e5--7ff1 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/t_agency_compl_subjSrch-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/t_agency_compl_subjSrch-1.md:chunk-1",
      "title": "Searching for Subject {#xd_639cae5476ab2d25--35e9ed5d-1808057a2e5--7ff1 .task}",
      "content": "*Entity Tracking Number** to open the Non-NMLS Entity Entity record.\n\n        **Note:** Non-NMLS Entities are records created by other agency Complaints users. They are assigned an Entity Tracking Number by the system.\n\n        This provides the option to update the entity information if your agency created it. Or you can check the discussion about the entity.\n\n    3.  Click **Enter Complaint**.\n\n        \n\n    4.  Proceed to Entering a Complaint.\n\n5.  Click **Subject Not Found** if the search results do not return the entity you are searching for and advance to the next search option.\n\n    \n\n6.  After all search options have been exhausted, click **Create New Non-NMLS Entity**.\n\n    **Note:** The option to create a new Non-NMLS Entity is intentionally difficult to find. This is to prevent or limit duplicate Non-NMLS Entities.\n\n    **Note:** Non-NMLS entities are defined as unknown or unreachable entities that could be operating without a license. Non-NMLS entities are created by agency complaint users with the purpose of enabling tracking of these entities across agencies. Since they are unknown or unreachable, you cannot interact with them using SES, but complaints can be created on these entities to inform other agency users of their reported activity.\n\n    \n\n7.  Complete the form.\n\n    **Note:** **Entity name** is the only required field, but adding as much detail as possible will help other agencies identify this entity when conducting a search for subject.\n\n8.  Click **Save Entity**.\n\n    **Note:** For help in using other agencies’ knowledge about non-NMLS entities, see the Accessing the Discussion for a Non-NMLS Entity article. For information about creating a complaint for a non-NMLS entity, see Entering a Complaint.\n\n    \n\n**Parent topic:**Searching for the Subject of a Complaint\n\n**Related information**  \n\nEntering Subject ID\n\nCreating a Non-NMLS Entity\n\nAccessing the Discussion for a Non-NMLS Entity\n\nEnrolling a Company User for Exams or Complaints",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_subjSrch-1.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_subjSrch-1.md",
      "headings": [
        "Searching for Subject {#xd_639cae5476ab2d25--35e9ed5d-1808057a2e5--7ff1 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/t_agency_compl_subjSrch-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/t_agency_compl_subjSrch-1.md:chunk-2",
      "title": "Searching for Subject {#xd_639cae5476ab2d25--35e9ed5d-1808057a2e5--7ff1 .task}",
      "content": "ect of a Complaint\n\n**Related information**  \n\nEntering Subject ID\n\nCreating a Non-NMLS Entity\n\nAccessing the Discussion for a Non-NMLS Entity\n\nEnrolling a Company User for Exams or Complaints",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_subjSrch-1.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_subjSrch-1.md",
      "headings": [
        "Searching for Subject {#xd_639cae5476ab2d25--35e9ed5d-1808057a2e5--7ff1 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/t_agency_compl_subjSrch-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/t_agency_compl_subjSrch.md:chunk-0",
      "title": "Searching for Subject {#xd_639cae5476ab2d25--35e9ed5d-1808057a2e5--7ff1 .task}",
      "content": "# Searching for Subject \n\nUse this search option when you do not know the Company SES ID, Nationwide Multistate Licensing System & Registry ID, Entity Tracking Number, or State License Number for the subject.\n\n**Note:** Users with the Complaint Supervisor and Complaint Manager roles can search for the subject of a complaint. See SES Agency System Roles & Consumer Complaints Roles for more information.\n\n**Note:** Users with the Complaint Supervisor and Complaint Manager roles can create a non-NMLS entity. See SES Agency System Roles & Consumer Complaints Roles for more information.\n\n**Important:** If you are unable to locate the desired entity using all search options, you are presented with the option to create a Non-NMLS Entity. It is recommended that you exhaust all search options before proceeding with creating a new Non-NMLS Entity to prevent duplicate entities. Consider reviewing Accessing the Discussion for a Non-NMLS Entity to find entities created by other agency users that have similar characteristics to the subject you are searching for to see more details about the entity.\n\n1.  Click **Search for Subject**.\n\n    \n\n2.  Use the icons at the top of the page to search by name, location, employee, keywords, phone number, or website.\n\n    \n\n3.  If you do not have information for the particular search screen, click **I Do Not Have This Information** to advance through the search options.\n\n    \n\n    \n\n4.  If the subject appears in the search results with either an **SES ID** or an **Entity Tracking Number**:\n\n    1.  Click the **SES ID** to open the company’s record in a new tab.\n\n        \n\n        **Note:** NMLS/SES Companies are pulled into SES from NMLS 1.0.\n\n        This provides the option to initiate onboarding if this has not yet occurred.\n\n    2.  Click the **Entity Tracking Number** to open the Non-NMLS Entity Entity record.\n\n        **Note:** Non-NMLS Entities are records created by other agency Complaints users. They are assigned an Entity Tracking Num",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_subjSrch.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_subjSrch.md",
      "headings": [
        "Searching for Subject {#xd_639cae5476ab2d25--35e9ed5d-1808057a2e5--7ff1 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/t_agency_compl_subjSrch.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/t_agency_compl_subjSrch.md:chunk-1",
      "title": "Searching for Subject {#xd_639cae5476ab2d25--35e9ed5d-1808057a2e5--7ff1 .task}",
      "content": "*Entity Tracking Number** to open the Non-NMLS Entity Entity record.\n\n        **Note:** Non-NMLS Entities are records created by other agency Complaints users. They are assigned an Entity Tracking Number by the system.\n\n        This provides the option to update the entity information if your agency created it. Or you can check the discussion about the entity.\n\n    3.  Click **Enter Complaint**.\n\n        \n\n    4.  Proceed to Entering a Complaint.\n\n5.  Click **Subject Not Found** if the search results do not return the entity you are searching for and advance to the next search option.\n\n    \n\n6.  After all search options have been exhausted, click **Create New Non-NMLS Entity**.\n\n    **Note:** The option to create a new Non-NMLS Entity is intentionally difficult to find. This is to prevent or limit duplicate Non-NMLS Entities.\n\n    **Note:** Non-NMLS entities are defined as unknown or unreachable entities that could be operating without a license. Non-NMLS entities are created by agency complaint users with the purpose of enabling tracking of these entities across agencies. Since they are unknown or unreachable, you cannot interact with them using SES, but complaints can be created on these entities to inform other agency users of their reported activity.\n\n    \n\n7.  Complete the form.\n\n    **Note:** **Entity name** is the only required field, but adding as much detail as possible will help other agencies identify this entity when conducting a search for subject.\n\n8.  Click **Save Entity**.\n\n    **Note:** For help in using other agencies’ knowledge about non-NMLS entities, see the Accessing the Discussion for a Non-NMLS Entity article. For information about creating a complaint for a non-NMLS entity, see Entering a Complaint.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_subjSrch.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_subjSrch.md",
      "headings": [
        "Searching for Subject {#xd_639cae5476ab2d25--35e9ed5d-1808057a2e5--7ff1 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/t_agency_compl_subjSrch.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/t_agency_compl_updRelatedEnts.md:chunk-0",
      "title": "Update the Related Entities on a Complaint {#xd_dc930e8f9b712072--116649a7-18230ee6f3e--7ff8 .task}",
      "content": "# Update the Related Entities on a Complaint \n\nThe company subject to a consumer complaint may have other supervisory activities, complaints, individuals, companies, or registered agents that are related to the complaint.\n\nThe Update Related Entities page allows you to add or remove:\n\n-   related supervisory activities\n-   related complaints\n-   related individuals\n-   related companies\n-   related non-NMLS entities\n-   related agents\n\n1.  Click **Manage Complaints**.\n\n    \n\n2.  Click the **Complaint ID** hyperlink.\n\n    \n\n3.  Click **Details**.\n\n4.  Click **Update Related Entities**.\n\n    \n\n5.  To add a related entity, click the **Add** hyperlink for the type of entity to add.\n\n    -   **Add Related Supervisory Activity** using the ID for the SA.\n    -   **Add Complaint** using the ID for the complaint.\n    -   **Add Related Company** using the NMLS ID for the company.\n    -   **Add Related Non-NMLS Entity** for companies not registered in NMLS, using the Entity Tracking Number.\n    -   **Add Related Individual** using the individual's NMLS ID, if known, or first and last names.\n    -   **Add Agent Location Documents** by dropping the document onto the **drop documents here** field and clicking **Upload**.\n    -   **Add Agent Location** by typing the agent's name \\(required\\), address, and contact information.\n    Add other individuals or entities as appropriate.\n\n6.  To remove a related entity, expand the section containing the entity and click the red **X** icon to the right of the individual or entity.\n\n7.  Click **Update Related Entities** at the bottom right.\n\n    The Update Related Entities closes and your changes are saved to the complaint record.\n\n**Parent topic:**Processing Consumer Complaints",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_updRelatedEnts.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_updRelatedEnts.md",
      "headings": [
        "Update the Related Entities on a Complaint {#xd_dc930e8f9b712072--116649a7-18230ee6f3e--7ff8 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/t_agency_compl_updRelatedEnts.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/t_agency_compl_updResearchComm-1.md:chunk-0",
      "title": "Updating Research or Communication for a Complaint {#xd_7aef594cfa229fb0--3b91c214-1805bd2a8b5--7ff0 .task}",
      "content": "# Updating Research or Communication for a Complaint \n\nComplaint managers and supervisors can add research and communication to a consumer complaint. This can be done even after the complaint is closed.\n\n**Note:** Users with the Complaint Supervisor and Complaint Manager roles can add research and communication to a complaint. See SES Agency System Roles & Consumer Complaints Roles for more information.\n\n**Note:** You can add or update research and communication to a complaint record even after the complaint is closed. See Adding Research and Communication to a Complaint and Updating Research or Communication for a Complaint\n\n1.  Navigate to the complaint.\n\n    \n\n2.  Click **Research/Communication**.\n\n    \n\n3.  Click the **View Details** icon for the desired research or communication entry.\n\n    \n\n4.  Click **Update Research/Communication**.\n\n    \n\n5.  Enter the desired updates.\n\n6.  Click **Update Research/Communication**.\n\n    \n\n**Parent topic:**Processing Consumer Complaints\n\n**Related information**  \n\nAppending Notes to a Closed Complaint",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_updResearchComm-1.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_updResearchComm-1.md",
      "headings": [
        "Updating Research or Communication for a Complaint {#xd_7aef594cfa229fb0--3b91c214-1805bd2a8b5--7ff0 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/t_agency_compl_updResearchComm-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/t_agency_compl_updResearchComm.md:chunk-0",
      "title": "Updating Research or Communication for a Complaint {#xd_7aef594cfa229fb0--3b91c214-1805bd2a8b5--7ff0 .task}",
      "content": "# Updating Research or Communication for a Complaint \n\nComplaint managers and supervisors can add research and communication to a consumer complaint. This can be done even after the complaint is closed.\n\n**Note:** Users with the Complaint Supervisor and Complaint Manager roles can add research and communication to a complaint. See SES Agency System Roles & Consumer Complaints Roles for more information.\n\n**Note:** You can add or update research and communication to a complaint record even after the complaint is closed. See Adding Research and Communication to a Complaint and Updating Research or Communication for a Complaint\n\n1.  Navigate to the complaint.\n\n    \n\n2.  Click **Research/Communication**.\n\n    \n\n3.  Click the **View Details** icon for the desired research or communication entry.\n\n    \n\n4.  Click **Update Research/Communication**.\n\n    \n\n5.  Enter the desired updates.\n\n6.  Click **Update Research/Communication**.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_updResearchComm.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_updResearchComm.md",
      "headings": [
        "Updating Research or Communication for a Complaint {#xd_7aef594cfa229fb0--3b91c214-1805bd2a8b5--7ff0 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/t_agency_compl_updResearchComm.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/t_agency_compl_update-1.md:chunk-0",
      "title": "Updating a Complaint {#xd_80647b36c08634d1--224c7740-180a488b21a--7fd8 .task}",
      "content": "# Updating a Complaint \n\nAfter entering a complaint, information received from the consumer or the subject may require an update to what was entered into the system when the complaint was first created.\n\n**Note:** All Complaint Supervisors and Managers can update a complaint. See SES Agency System Roles & Consumer Complaints Roles for more information.\n\n1.  Navigate to the complaint.\n\n    \n\n2.  You can update the complaint from either the Summary or Details pages.\n\n    \n\n3.  Click **Update Complaint**.\n\n    \n\n4.  Make the desired updates to the Update Complaint section.\n\n    **Note:** The Agency POC can be updated at any point prior to the closure of a complaint.\n\n    \n\n    **Note:** When updating the Agency POC, if a calendar  icon appears, it means that user is actively participating on other complaints. Click the calendar icon to see the current workload for the user.\n\n5.  Click **Update Complaint**.\n\n    \n\n**Parent topic:**Processing Consumer Complaints",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_update-1.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_update-1.md",
      "headings": [
        "Updating a Complaint {#xd_80647b36c08634d1--224c7740-180a488b21a--7fd8 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/t_agency_compl_update-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/t_agency_compl_update.md:chunk-0",
      "title": "Updating a Complaint {#xd_80647b36c08634d1--224c7740-180a488b21a--7fd8 .task}",
      "content": "# Updating a Complaint \n\nAfter entering a complaint, information received from the consumer or the subject may require an update to what was entered into the system when the complaint was first created.\n\n**Note:** All Complaint Supervisors and Managers can update a complaint. See SES Agency System Roles & Consumer Complaints Roles for more information.\n\n1.  Navigate to the complaint.\n\n    \n\n2.  You can update the complaint from either the Summary or Details pages.\n\n    \n\n3.  Click **Update Complaint**.\n\n    \n\n4.  Make the desired updates to the Update Complaint section.\n\n    **Note:** The Agency POC can be updated at any point prior to the closure of a complaint.\n\n    \n\n    **Note:** When updating the Agency POC, if a calendar  icon appears, it means that user is actively participating on other complaints. Click the calendar icon to see the current workload for the user.\n\n5.  Click **Update Complaint**.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_update.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_update.md",
      "headings": [
        "Updating a Complaint {#xd_80647b36c08634d1--224c7740-180a488b21a--7fd8 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/t_agency_compl_update.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/t_agency_compl_viewAll-1.md:chunk-0",
      "title": "Viewing All SES Consumer Complaints {#xd_73a64c6f8591aea0--8f1af35-180c8bc4e24--7ff7 .task}",
      "content": "# Viewing All SES Consumer Complaints \n\nYou can also see all consumer complaints that are managed using SES.\n\nUsing the steps below, you can see all complaints that have been entered into SES by all agencies participating in use of the system. Visit our SES Participation Map for up-to-date information on which agencies are using SES to process their complaints.\n\nTo see complaints for a specific company, see: Viewing Complaints on a Company’s Record\n\n1.  Click **Manage Complaints**.\n\n    \n\n2.  Click **Complaints** in the top menu bar.\n\n    \n\n3.  Click the **Nationwide Complaints** button.\n\n    \n\n**Parent topic:**Managing Consumer Complaints",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_viewAll-1.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_viewAll-1.md",
      "headings": [
        "Viewing All SES Consumer Complaints {#xd_73a64c6f8591aea0--8f1af35-180c8bc4e24--7ff7 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/t_agency_compl_viewAll-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/t_agency_compl_viewAll.md:chunk-0",
      "title": "Viewing All SES Consumer Complaints {#xd_73a64c6f8591aea0--8f1af35-180c8bc4e24--7ff7 .task}",
      "content": "# Viewing All SES Consumer Complaints \n\nYou can also see all consumer complaints that are managed using SES.\n\nUsing the steps below, you can see all complaints that have been entered into SES by all agencies participating in use of the system. Visit our SES Participation Map for up-to-date information on which agencies are using SES to process their complaints.\n\nTo see complaints for a specific company, see: Viewing Complaints on a Company’s Record\n\n1.  Click **Manage Complaints**.\n\n    \n\n2.  Click **Complaints** in the top menu bar.\n\n    \n\n3.  Click the **Nationwide Complaints** button.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_viewAll.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\t_agency_compl_viewAll.md",
      "headings": [
        "Viewing All SES Consumer Complaints {#xd_73a64c6f8591aea0--8f1af35-180c8bc4e24--7ff7 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/t_agency_compl_viewAll.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/t_agency_complaint_IR_DateExtReview.md:chunk-0",
      "title": "Responding to a Complaint IR Due Date Extension Request {#t_agency_complaintIR_DateExtReview .task}",
      "content": "# Responding to a Complaint IR Due Date Extension Request \n\nCompanies can request an extension for the due dates of information requests \\(IRs\\). You can choose to accept or reject their requested due date. You also have the option of entering a new due date for the IR.\n\n**Note:** You must be the Agency POC or a Complaint Supervisor to respond to IR due date extension requests.\n\nYou receive a notification from SES when a company requests a due date extension for an IR.\n\nThe Complaints Company POC is the individual responsible for sending complaint IR responses to the agency. This person can also review and update responses drafted by other complaints users.\n\n1.  Navigate to the complaint.\n\n2.  Click **Information Requests**.\n\n    \n\n3.  Click **View Details** in the Extension Requests section.\n\n    \n\n4.  Click **Review IR Extension Request**.\n\n    \n\n5.  Select the desired review decision:\n\n    -   **Accept**\n    -   **Reject**\n    -   Enter a new due date\n6.  Click **Accept** or **Reject Extension Request**.\n\nThe IR due date is updated according to your response. The response information is captured in the Extension Requests section. The Company POC receives a notification.\n\n**Parent topic:**Managing Information Requests for Complaints\n\n**Related information**  \n\nAdding an Information Request to a Complaint\n\nSending an Information Request to the Company\n\nUpdating the Due Date for a Single IR\n\nUpdating Due Dates for IRs in Bulk\n\nCanceling Information Requests for a Complaint\n\nRemoving Information Requests\n\nSending Reminders for Information Requests\n\nResponding to a Company's Request to Send Back a Complaint IR",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\t_agency_complaint_IR_DateExtReview.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\t_agency_complaint_IR_DateExtReview.md",
      "headings": [
        "Responding to a Complaint IR Due Date Extension Request {#t_agency_complaintIR_DateExtReview .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/t_agency_complaint_IR_DateExtReview.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/t_agency_complaint_IR_DueDate_Bulk.md:chunk-0",
      "title": "Updating Due Dates for IRs in Bulk {#t_agency_complaint_IR_DueDate_Bulk .task}",
      "content": "# Updating Due Dates for IRs in Bulk \n\nSES allows you to update the due date for Information Requests in bulk to grant an extension.\n\n**Note:** If you extend the due date for an IR, the original due date is maintained and displayed in detailed view of an IR in the system.\n\n1.  Navigate to the complaint.\n\n    \n\n2.  Click **Information Requests**.\n\n    \n\n3.  Click **Update Due Dates**.\n\n    \n\n4.  Select the **New Due Date**.\n\n5.  Select the information requests that you wish to update due dates for by clicking anywhere on the row.\n\n6.  Click **Update Due Dates**.\n\n    \n\n**Parent topic:**Managing Information Requests for Complaints\n\n**Related information**  \n\nAdding an Information Request to a Complaint\n\nSending an Information Request to the Company\n\nUpdating the Due Date for a Single IR\n\nCanceling Information Requests for a Complaint\n\nRemoving Information Requests\n\nSending Reminders for Information Requests\n\nResponding to a Complaint IR Due Date Extension Request\n\nResponding to a Company's Request to Send Back a Complaint IR",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\t_agency_complaint_IR_DueDate_Bulk.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\t_agency_complaint_IR_DueDate_Bulk.md",
      "headings": [
        "Updating Due Dates for IRs in Bulk {#t_agency_complaint_IR_DueDate_Bulk .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/t_agency_complaint_IR_DueDate_Bulk.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/t_agency_complaint_IR_DueDate_Single.md:chunk-0",
      "title": "Updating the Due Date for a Single IR {#t_agency_complaint_IR_DueDate_Single .task}",
      "content": "# Updating the Due Date for a Single IR \n\nSES allows you to update the due date for individual Information Requests to grant an extension. You can also cancel an IR if it is no longer applicable. A notification is sent to the company for both of these actions.\n\n**Note:** If you extend the due date for an IR, the original due date is maintained and displayed in detailed view of an IR in the system.\n\n1.  Navigate to the complaint.\n\n    \n\n2.  Click **Information Requests**.\n\n    \n\n3.  Click the **IR ID** hyperlink for the desired IR in a “Sent to Company” status.\n\n    \n\n4.  Click **Update Due Date**.\n\n    \n\n5.  Enter the new due date.\n\n6.  Click **Save Information Request**.\n\n    \n\n**Parent topic:**Managing Information Requests for Complaints\n\n**Related information**  \n\nAdding an Information Request to a Complaint\n\nSending an Information Request to the Company\n\nUpdating Due Dates for IRs in Bulk\n\nCanceling Information Requests for a Complaint\n\nRemoving Information Requests\n\nSending Reminders for Information Requests\n\nResponding to a Complaint IR Due Date Extension Request\n\nResponding to a Company's Request to Send Back a Complaint IR",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\t_agency_complaint_IR_DueDate_Single.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\t_agency_complaint_IR_DueDate_Single.md",
      "headings": [
        "Updating the Due Date for a Single IR {#t_agency_complaint_IR_DueDate_Single .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/t_agency_complaint_IR_DueDate_Single.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/t_agency_complaint_IR_cancel.md:chunk-0",
      "title": "Canceling Information Requests for a Complaint {#t_agency_complaint_IR_cancel .task}",
      "content": "# Canceling Information Requests for a Complaint \n\nYou can also cancel Information Requests that are no longer applicable. A notification is sent to the company for this action.\n\n1.  Navigate to the complaint.\n\n    \n\n2.  Click **Information Requests**.\n\n    \n\n3.  Click the **IR ID** hyperlink for the desired IR in a “Sent to Company” status.\n\n    \n\n4.  Click **Cancel Information Request**.\n\n    \n\n5.  Click **Cancel Information Request**.\n\n    \n\n    **Note:** The company will no longer be able to respond to the information request.\n\n    The company is sent a notification that the information request was canceled.\n\n**Parent topic:**Managing Information Requests for Complaints\n\n**Related information**  \n\nAdding an Information Request to a Complaint\n\nSending an Information Request to the Company\n\nUpdating the Due Date for a Single IR\n\nUpdating Due Dates for IRs in Bulk\n\nRemoving Information Requests\n\nSending Reminders for Information Requests\n\nResponding to a Complaint IR Due Date Extension Request\n\nResponding to a Company's Request to Send Back a Complaint IR",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\t_agency_complaint_IR_cancel.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\t_agency_complaint_IR_cancel.md",
      "headings": [
        "Canceling Information Requests for a Complaint {#t_agency_complaint_IR_cancel .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/t_agency_complaint_IR_cancel.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/t_agency_complaint_IR_reminder.md:chunk-0",
      "title": "Sending Reminders for Information Requests {#t_agency_complaint_IR_reminder .task}",
      "content": "# Sending Reminders for Information Requests \n\nYou can send a reminder to the company for any information requests that have not been responded to. This reminder sends a notification to the Subject POC for the company. If the complaint does not have a Subject POC assigned, then the Complaints Contact receives the email notification.\n\nThe Agency POC is responsible for managing the complaint from start to finish. SES automatically assigns the Agency POC role to the user who enters a complaint into the system unless the complaint is sent for preliminary review. In that case, the person conducting the preliminary review has the option to select an Agency POC for the complaint.\n\nThe Complaints Company POC is the individual responsible for sending complaint IR responses to the agency. This person can also review and update responses drafted by other complaints users.\n\nThe Company Complaints Contact is the user who received the initial notification of a new Complaint in SES and is responsible for managing the Company POC assigned to the Complaint.\n\n1.  Navigate to the complaint.\n\n    \n\n2.  Click **Information Requests**.\n\n    \n\n3.  Click the **Send Reminder** icon for any item in the \"Sent to Company\" status.\n\n    \n\n4.  Click **Send Reminder** on the confirmation screen.\n\n    The system records the date and time the reminder was sent. Click **+Show Reminder History** to see it.\n\n    \n\n**Parent topic:**Managing Information Requests for Complaints\n\n**Related information**  \n\nAdding an Information Request to a Complaint\n\nSending an Information Request to the Company\n\nUpdating the Due Date for a Single IR\n\nUpdating Due Dates for IRs in Bulk\n\nCanceling Information Requests for a Complaint\n\nRemoving Information Requests\n\nResponding to a Complaint IR Due Date Extension Request\n\nResponding to a Company's Request to Send Back a Complaint IR",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\t_agency_complaint_IR_reminder.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\t_agency_complaint_IR_reminder.md",
      "headings": [
        "Sending Reminders for Information Requests {#t_agency_complaint_IR_reminder .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/t_agency_complaint_IR_reminder.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/t_agency_complaint_IR_remove.md:chunk-0",
      "title": "Removing Information Requests {#t_agency_complaint_IR_remove .task}",
      "content": "# Removing Information Requests \n\nYou can remove any Information Requests that are in the “Ready to Send” status.\n\n1.  Navigate to the complaint.\n\n    \n\n2.  Click **Information Requests**.\n\n    \n\n3.  Click **Remove Information Requests**.\n\n    \n\n4.  Click the **X** icon next to the IRs you want to remove.\n\n    \n\n    **Note:** The  icon changes to a clock icon  indicating that it is pending removal\n\n5.  Click **Remove Information Requests**.\n\n    \n\n6.  Click **Conrifm**.\n\n**Parent topic:**Managing Information Requests for Complaints\n\n**Related information**  \n\nAdding an Information Request to a Complaint\n\nSending an Information Request to the Company\n\nUpdating the Due Date for a Single IR\n\nUpdating Due Dates for IRs in Bulk\n\nCanceling Information Requests for a Complaint\n\nSending Reminders for Information Requests\n\nResponding to a Complaint IR Due Date Extension Request\n\nResponding to a Company's Request to Send Back a Complaint IR",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\t_agency_complaint_IR_remove.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\t_agency_complaint_IR_remove.md",
      "headings": [
        "Removing Information Requests {#t_agency_complaint_IR_remove .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/t_agency_complaint_IR_remove.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/t_agency_complaint_Violations-1.md:chunk-0",
      "title": "Entering Alleged Violations {#t_agency_complaint_Violations .task}",
      "content": "# Entering Alleged Violations \n\nAs part of working a complaint, you can enter any alleged violations you may have discovered.\n\nTypically, these alleged violations are captured by complaints staff before escalating them to your agency’s investigation or examination team.\n\n**Note:** All Complaint Supervisors and Managers can enter and manage alleged violations for a complaint. See SES Agency System Roles & Consumer Complaints Roles for more information. Only the Agency POC can remove an alleged violation added by another user.\n\n1.  Navigate to the complaint.\n\n    \n\n2.  Click **Alleged Violations** > **Add Alleged Violations**.\n\n    \n\n    **Note:** To add more than one alleged violation at a single time, click **+Add Alleged Violation** as many times as needed.\n\n    \n\n3.  Click **Save Alleged Violation**.\n\n    \n\n**Parent topic:**Processing Consumer Complaints",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\t_agency_complaint_Violations-1.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\t_agency_complaint_Violations-1.md",
      "headings": [
        "Entering Alleged Violations {#t_agency_complaint_Violations .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/t_agency_complaint_Violations-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/t_agency_complaint_Violations.md:chunk-0",
      "title": "Entering Alleged Violations {#t_agency_complaint_Violations .task}",
      "content": "# Entering Alleged Violations \n\nAs part of working a complaint, you can enter any alleged violations you may have discovered.\n\nTypically, these alleged violations are captured by complaints staff before escalating them to your agency’s investigation or examination team.\n\n**Note:** All Complaint Supervisors and Managers can enter and manage alleged violations for a complaint. See SES Agency System Roles & Consumer Complaints Roles for more information. Only the Agency POC can remove an alleged violation added by another user.\n\n1.  Navigate to the complaint.\n\n    \n\n2.  Click **Alleged Violations** > **Add Alleged Violations**.\n\n    \n\n    **Note:** To add more than one alleged violation at a single time, click **+Add Alleged Violation** as many times as needed.\n\n    \n\n3.  Click **Save Alleged Violation**.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\t_agency_complaint_Violations.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\t_agency_complaint_Violations.md",
      "headings": [
        "Entering Alleged Violations {#t_agency_complaint_Violations .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/t_agency_complaint_Violations.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/t_agency_complaint_closed_appendNotes-1.md:chunk-0",
      "title": "Appending Notes to a Closed Complaint {#xd_639cae5476ab2d25--35e9ed5d-1808057a2e5--7ffb .task}",
      "content": "# Appending Notes to a Closed Complaint \n\nYou may find that you need to add notes to a closed complaint. For example, a consumer may reach back out with new information about a complaint.\n\nYou can also reopen a closed complaint. See Reopening a Complaint for more information.\n\n**Note:** Users with the Complaint Supervisor and Complaint Manager roles can add research and communication to a complaint. See SES Agency System Roles & Consumer Complaints Roles for more information.\n\n**Note:** You can add or update research and communication to a complaint record even after the complaint is closed. See Adding Research and Communication to a Complaint and Updating Research or Communication for a Complaint\n\n1.  Navigate to the complaint.\n\n    \n\n2.  Click **Details**.\n\n    \n\n3.  Click **Append Note**.\n\n    \n\n4.  Enter your note.\n\n5.  Click **Save Note**.\n\n    \n\n**Parent topic:**Processing Consumer Complaints\n\n**Related information**  \n\nAdding Research and Communication to a Complaint\n\nUpdating Research or Communication for a Complaint",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\t_agency_complaint_closed_appendNotes-1.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\t_agency_complaint_closed_appendNotes-1.md",
      "headings": [
        "Appending Notes to a Closed Complaint {#xd_639cae5476ab2d25--35e9ed5d-1808057a2e5--7ffb .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/t_agency_complaint_closed_appendNotes-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/t_agency_complaint_closed_appendNotes.md:chunk-0",
      "title": "Appending Notes to a Closed Complaint {#xd_639cae5476ab2d25--35e9ed5d-1808057a2e5--7ffb .task}",
      "content": "# Appending Notes to a Closed Complaint \n\nYou may find that you need to add notes to a closed complaint. For example, a consumer may reach back out with new information about a complaint.\n\nYou can also reopen a closed complaint. See Reopening a Complaint for more information.\n\n**Note:** Users with the Complaint Supervisor and Complaint Manager roles can add research and communication to a complaint. See SES Agency System Roles & Consumer Complaints Roles for more information.\n\n**Note:** You can add or update research and communication to a complaint record even after the complaint is closed. See Adding Research and Communication to a Complaint and Updating Research or Communication for a Complaint\n\n1.  Navigate to the complaint.\n\n    \n\n2.  Click **Details**.\n\n    \n\n3.  Click **Append Note**.\n\n    \n\n4.  Enter your note.\n\n5.  Click **Save Note**.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\t_agency_complaint_closed_appendNotes.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\t_agency_complaint_closed_appendNotes.md",
      "headings": [
        "Appending Notes to a Closed Complaint {#xd_639cae5476ab2d25--35e9ed5d-1808057a2e5--7ffb .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/t_agency_complaint_closed_appendNotes.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/t_agency_complaint_closing-1.md:chunk-0",
      "title": "Closing a Complaint {#xd_639cae5476ab2d25--35e9ed5d-1808057a2e5--7ffc .task}",
      "content": "# Closing a Complaint \n\nAfter working a complaint, you can close it for several reasons. Typically, a complaint is closed once the complaint has been resolved \\(e.g., closed with explanation or monetary relief\\).\n\nYou can also close a complaint because it was a duplicate or was found to be invalid. Or the complaint may be closed because it was referred to another agency or to an investigation team.\n\nYou can also cancel a complaint. See Canceling a Complaint for more information.\n\n**Note:** Users with the Complaint Supervisor and Complaint Manager roles can add research and communication to a complaint. See SES Agency System Roles & Consumer Complaints Roles for more information.\n\n**Note:** You can add or update research and communication to a complaint record even after the complaint is closed. See Adding Research and Communication to a Complaint and Updating Research or Communication for a Complaint\n\n1.  Navigate to the complaint.\n\n    \n\n2.  Click the Summary or Details tab.\n\n    \n\n3.  Click **Close Complaint**.\n\n    \n\n4.  Select the close reason.\n\n    **Note:** Selecting **Closed with Monetary Relief** allows you to enter an amount and payment date.\n\n    \n\n    **Note:** Selecting Referred to Other Agency allows you to enter the state agency’s name. However, this does not refer the complaint to the agency. You must refer the complaint via the Related Actions page prior to closure. See Complaints Referrals for more information. If the agency you wish to refer the complaint to does not have any complaints users in SES or is a federal agency, you must communicate the referral outside of the system.\n\n    \n\n5.  Enter any internal closure notes.\n\n6.  Select whether or not to share closure comments or documents with the company.\n\n7.  Enter any closure comments for the company.\n\n8.  Upload any closure documents.\n\n    Please note the following restrictions with regard to file uploads in SES. It is recommended to use a ZIP folder or File Sharing Links when uploading large fi",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\t_agency_complaint_closing-1.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\t_agency_complaint_closing-1.md",
      "headings": [
        "Closing a Complaint {#xd_639cae5476ab2d25--35e9ed5d-1808057a2e5--7ffc .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/t_agency_complaint_closing-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/t_agency_complaint_closing-1.md:chunk-1",
      "title": "Closing a Complaint {#xd_639cae5476ab2d25--35e9ed5d-1808057a2e5--7ffc .task}",
      "content": ".\n\n8.  Upload any closure documents.\n\n    Please note the following restrictions with regard to file uploads in SES. It is recommended to use a ZIP folder or File Sharing Links when uploading large files or more than 25 files at a time.\n\n    -   **File formats supported**: SES will accept all file formats, but the following commonly supported file types are recommended: PDF, Word®, Excel®, CSV, ZIP\n    -   **Max file size**: 1 GB\n    -   **For files larger than 1 GB[^1]:**\n        -   Use ZIP compression to reduce file to less than 1 GB[^1]\n        -   Split the file into multiple smaller files\n        -   Use File Sharing Links.\n    -   **Max no. characters per file name:** 200\n    -   **Max no. files per upload**: 25, for uploads larger than 25 total files:\n        1.  Upload first 25.\n        2.  Select the **Save Draft** option in Available Next Actions then click the **Save Draft** button.\n\n            **Note:** You may need to refresh the screen to see that the files have uploaded to the system.\n\n        3.  Return to the response screen to upload the next 25 files and repeat.\n    -   **Total no. files**: unlimited\n9.  Click **Close Complaint**.\n\n    \n\n    **Note:** You can reopen a complaint after it is closed. See Reopening a Complaint for more information. You can also append notes to a closed complaint. See Appending Notes to a Closed Complaint for more information.\n\n**Parent topic:**Processing Consumer Complaints\n\n[^1]: For documents uploaded to the Interactions tab, the maximum file size is 25 MB.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\t_agency_complaint_closing-1.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\t_agency_complaint_closing-1.md",
      "headings": [
        "Closing a Complaint {#xd_639cae5476ab2d25--35e9ed5d-1808057a2e5--7ffc .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/t_agency_complaint_closing-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/t_agency_complaint_closing.md:chunk-0",
      "title": "Closing a Complaint {#xd_639cae5476ab2d25--35e9ed5d-1808057a2e5--7ffc .task}",
      "content": "# Closing a Complaint \n\nAfter working a complaint, you can close it for several reasons. Typically, a complaint is closed once the complaint has been resolved \\(e.g., closed with explanation or monetary relief\\).\n\nYou can also close a complaint because it was a duplicate or was found to be invalid. Or the complaint may be closed because it was referred to another agency or to an investigation team.\n\nYou can also cancel a complaint. See Canceling a Complaint for more information.\n\n**Note:** Users with the Complaint Supervisor and Complaint Manager roles can add research and communication to a complaint. See SES Agency System Roles & Consumer Complaints Roles for more information.\n\n**Note:** You can add or update research and communication to a complaint record even after the complaint is closed. See Adding Research and Communication to a Complaint and Updating Research or Communication for a Complaint\n\n1.  Navigate to the complaint.\n\n    \n\n2.  Click the Summary or Details tab.\n\n    \n\n3.  Click **Close Complaint**.\n\n    \n\n4.  Select the close reason.\n\n    **Note:** Selecting **Closed with Monetary Relief** allows you to enter an amount and payment date.\n\n    \n\n    **Note:** Selecting Referred to Other Agency allows you to enter the state agency’s name. However, this does not refer the complaint to the agency. You must refer the complaint via the Related Actions page prior to closure. See Complaints Referrals for more information. If the agency you wish to refer the complaint to does not have any complaints users in SES or is a federal agency, you must communicate the referral outside of the system.\n\n    \n\n5.  Enter any internal closure notes.\n\n6.  Select whether or not to share closure comments or documents with the company.\n\n7.  Enter any closure comments for the company.\n\n8.  Upload any closure documents.\n\n    Please note the following restrictions with regard to file uploads in SES. It is recommended to use a ZIP folder or File Sharing Links when uploading large fi",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\t_agency_complaint_closing.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\t_agency_complaint_closing.md",
      "headings": [
        "Closing a Complaint {#xd_639cae5476ab2d25--35e9ed5d-1808057a2e5--7ffc .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/t_agency_complaint_closing.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/t_agency_complaint_closing.md:chunk-1",
      "title": "Closing a Complaint {#xd_639cae5476ab2d25--35e9ed5d-1808057a2e5--7ffc .task}",
      "content": ".\n\n8.  Upload any closure documents.\n\n    Please note the following restrictions with regard to file uploads in SES. It is recommended to use a ZIP folder or File Sharing Links when uploading large files or more than 25 files at a time.\n\n    -   **File formats supported**: SES will accept all file formats, but the following commonly supported file types are recommended: PDF, Word®, Excel®, CSV, ZIP\n    -   **Max file size**: 1 GB\n    -   **For files larger than 1 GB[^1]:**\n        -   Use ZIP compression to reduce file to less than 1 GB[^1]\n        -   Split the file into multiple smaller files\n        -   Use File Sharing Links.\n    -   **Max no. characters per file name:** 200\n    -   **Max no. files per upload**: 25, for uploads larger than 25 total files:\n        1.  Upload first 25.\n        2.  Select the **Save Draft** option in Available Next Actions then click the **Save Draft** button.\n\n            **Note:** You may need to refresh the screen to see that the files have uploaded to the system.\n\n        3.  Return to the response screen to upload the next 25 files and repeat.\n    -   **Total no. files**: unlimited\n9.  Click **Close Complaint**.\n\n    \n\n    **Note:** You can reopen a complaint after it is closed. See Reopening a Complaint for more information. You can also append notes to a closed complaint. See Appending Notes to a Closed Complaint for more information.\n\n[^1]: For documents uploaded to the Interactions tab, the maximum file size is 25 MB.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\t_agency_complaint_closing.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\t_agency_complaint_closing.md",
      "headings": [
        "Closing a Complaint {#xd_639cae5476ab2d25--35e9ed5d-1808057a2e5--7ffc .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/t_agency_complaint_closing.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/t_agency_complaints_cancel-1.md:chunk-0",
      "title": "Canceling a Complaint {#xd_639cae5476ab2d25--35e9ed5d-1808057a2e5--7ffa .task}",
      "content": "# Canceling a Complaint \n\nIn instances where a complaint was created in error or is no longer needed, an agency complaints user with the ability to manage complaints can cancel a complaint any time before a complaint is closed.\n\nFor more information on closing a complaint because it was canceled by the complainant, see Closing a Complaint.\n\n**Note:** You can only cancel your own agency’s complaints. Users with the Complaint Supervisor and Complaint Manager roles can cancel a complaint. See SES Agency System Roles & Consumer Complaints Roles for more information.\n\n1.  Navigate to the complaint.\n\n    \n\n2.  Click **Related Actions**.\n\n    \n\n3.  Click **Cancel Complaint**.\n\n    \n\n4.  Enter **Reason** for cancelation and upload any relevant documents.\n\n5.  Click **Cancel Complaint**.\n\n    \n\n6.  Click **Confirm**.\n\nWhat happens when you cancel a complaint?\n\n-   All “Sent to Company“ IR statuses change to “Canceled.”\n-   Users can no longer take any action on the complaint.\n-   All pending viewer access requests are canceled, and a notification is sent to users who requested access.\n-   All pending referrals are canceled, and a notification is sent to the agency who received the referral.\n-   All users with detail level access continue to have detail level access and can view the cancelation details.\n-   If IRs were sent to the company, the Company Complaints POC is notified that the complaint was canceled but cannot view the cancelation details. If the Company POC has not been assigned, the Complaints Contact and additional email are notified.\n\n**Note:** Canceled complaints do not show up in reports.\n\n**Parent topic:**Processing Consumer Complaints",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\t_agency_complaints_cancel-1.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\t_agency_complaints_cancel-1.md",
      "headings": [
        "Canceling a Complaint {#xd_639cae5476ab2d25--35e9ed5d-1808057a2e5--7ffa .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/t_agency_complaints_cancel-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/t_agency_complaints_cancel.md:chunk-0",
      "title": "Canceling a Complaint {#xd_639cae5476ab2d25--35e9ed5d-1808057a2e5--7ffa .task}",
      "content": "# Canceling a Complaint \n\nIn instances where a complaint was created in error or is no longer needed, an agency complaints user with the ability to manage complaints can cancel a complaint any time before a complaint is closed.\n\nFor more information on closing a complaint because it was canceled by the complainant, see Closing a Complaint.\n\n**Note:** You can only cancel your own agency’s complaints. Users with the Complaint Supervisor and Complaint Manager roles can cancel a complaint. See SES Agency System Roles & Consumer Complaints Roles for more information.\n\n1.  Navigate to the complaint.\n\n    \n\n2.  Click **Related Actions**.\n\n    \n\n3.  Click **Cancel Complaint**.\n\n    \n\n4.  Enter **Reason** for cancelation and upload any relevant documents.\n\n5.  Click **Cancel Complaint**.\n\n    \n\n6.  Click **Confirm**.\n\nWhat happens when you cancel a complaint?\n\n-   All “Sent to Company“ IR statuses change to “Canceled.”\n-   Users can no longer take any action on the complaint.\n-   All pending viewer access requests are canceled, and a notification is sent to users who requested access.\n-   All pending referrals are canceled, and a notification is sent to the agency who received the referral.\n-   All users with detail level access continue to have detail level access and can view the cancelation details.\n-   If IRs were sent to the company, the Company Complaints POC is notified that the complaint was canceled but cannot view the cancelation details. If the Company POC has not been assigned, the Complaints Contact and additional email are notified.\n\n**Note:** Canceled complaints do not show up in reports.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\t_agency_complaints_cancel.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\t_agency_complaints_cancel.md",
      "headings": [
        "Canceling a Complaint {#xd_639cae5476ab2d25--35e9ed5d-1808057a2e5--7ffa .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/t_agency_complaints_cancel.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/t_agency_complaints_init_subjectSearchID-1.md:chunk-0",
      "title": "Entering Subject ID {#xd_639cae5476ab2d25--35e9ed5d-1808057a2e5--7ff2 .task}",
      "content": "# Entering Subject ID \n\nUse this search option when you know the Company SES ID, Nationwide Multistate Licensing System & Registry ID, Entity Tracking Number, or State License Number for the subject.\n\n**Note:** Users with the Complaint Supervisor and Complaint Manager roles can search for the subject of a complaint. See SES Agency System Roles & Consumer Complaints Roles for more information.\n\n1.  Click **Enter Subject ID**.\n\n    \n\n2.  Select **Company**, **Branch**, or **Individual**.\n\n    -   **Company**: allows you to enter Company SES ID, Nationwide Multistate Licensing System & Registry ID, Entity Tracking Number, or State License Number.\n    -   **Branch**: allows you to enter the NMLS ID.\n    -   **Individual**: allows you to enter the NMLS ID or the individual’s name.\n    **Note:** Regardless of whether you are entering a complaint for a company, branch, or individual, the complaint is ultimately tied to the company’s record. The company is sent the information requests and can respond to the complaint; individuals do not need to create an SES account.\n\n    \n\n3.  Confirm the entity’s details.\n\n4.  Click **Enter Complaint**.\n\n    \n\n    Proceed to Entering a Complaint\n\nContinue to Entering a Complaint.\n\n**Parent topic:**Searching for the Subject of a Complaint\n\n**Related information**  \n\nSearching for Subject\n\nCreating a Non-NMLS Entity\n\nAccessing the Discussion for a Non-NMLS Entity",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\t_agency_complaints_init_subjectSearchID-1.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\t_agency_complaints_init_subjectSearchID-1.md",
      "headings": [
        "Entering Subject ID {#xd_639cae5476ab2d25--35e9ed5d-1808057a2e5--7ff2 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/t_agency_complaints_init_subjectSearchID-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/t_agency_complaints_init_subjectSearchID.md:chunk-0",
      "title": "Entering Subject ID {#xd_639cae5476ab2d25--35e9ed5d-1808057a2e5--7ff2 .task}",
      "content": "# Entering Subject ID \n\nUse this search option when you know the Company SES ID, Nationwide Multistate Licensing System & Registry ID, Entity Tracking Number, or State License Number for the subject.\n\n**Note:** Users with the Complaint Supervisor and Complaint Manager roles can search for the subject of a complaint. See SES Agency System Roles & Consumer Complaints Roles for more information.\n\n1.  Click **Enter Subject ID**.\n\n    \n\n2.  Select **Company**, **Branch**, or **Individual**.\n\n    -   **Company**: allows you to enter Company SES ID, Nationwide Multistate Licensing System & Registry ID, Entity Tracking Number, or State License Number.\n    -   **Branch**: allows you to enter the NMLS ID.\n    -   **Individual**: allows you to enter the NMLS ID or the individual’s name.\n    **Note:** Regardless of whether you are entering a complaint for a company, branch, or individual, the complaint is ultimately tied to the company’s record. The company is sent the information requests and can respond to the complaint; individuals do not need to create an SES account.\n\n    \n\n3.  Confirm the entity’s details.\n\n4.  Click **Enter Complaint**.\n\n    \n\n    Proceed to Entering a Complaint\n\nContinue to Entering a Complaint.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\t_agency_complaints_init_subjectSearchID.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\t_agency_complaints_init_subjectSearchID.md",
      "headings": [
        "Entering Subject ID {#xd_639cae5476ab2d25--35e9ed5d-1808057a2e5--7ff2 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/t_agency_complaints_init_subjectSearchID.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/t_agency_complaints_nonNMLS_createEntity-1.md:chunk-0",
      "title": "Creating a Non-NMLS Entity {#xd_639cae5476ab2d25--35e9ed5d-1808057a2e5--7fec .task}",
      "content": "# Creating a Non-NMLS Entity \n\nIf you cannot find a record for the subject for your complaint in SES, you must create a non-NMLS Entity. Non-NMLS entities do not have a record in NMLS.\n\nNon-NMLS entity records are created by SES agency users to help identify the subjects of complaints who may be uncooperative or refuse to create an account in NMLS to formally comply to the complaints process in SES.\n\n**Note:** Non-NMLS entities are defined as unknown or unreachable entities that could be operating without a license. Non-NMLS entities are created by agency complaint users with the purpose of enabling tracking of these entities across agencies. Since they are unknown or unreachable, you cannot interact with them using SES, but complaints can be created on these entities to inform other agency users of their reported activity.\n\n**Note:** Users with the Complaint Supervisor and Complaint Manager roles can search for the subject of a complaint. See SES Agency System Roles & Consumer Complaints Roles for more information.\n\n**Note:** Users with the Complaint Supervisor and Complaint Manager roles can create a non-NMLS entity. See SES Agency System Roles & Consumer Complaints Roles for more information.\n\n**Important:** If you are unable to locate the desired entity using all search options, you are presented with the option to create a Non-NMLS Entity. It is recommended that you exhaust all search options before proceeding with creating a new Non-NMLS Entity to prevent duplicate entities. Consider reviewing Accessing the Discussion for a Non-NMLS Entity to find entities created by other agency users that have similar characteristics to the subject you are searching for to see more details about the entity.\n\n1.  Click **Enter New Complaint**.\n\n    \n\n2.  Click **Search for Subject**.\n\n    \n\n3.  Use the icons at the top of the page to search by name, location, employee, keywords, phone number, or website.\n\n    \n\n4.  If you do not have information for the particular search scre",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\t_agency_complaints_nonNMLS_createEntity-1.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\t_agency_complaints_nonNMLS_createEntity-1.md",
      "headings": [
        "Creating a Non-NMLS Entity {#xd_639cae5476ab2d25--35e9ed5d-1808057a2e5--7fec .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/t_agency_complaints_nonNMLS_createEntity-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/t_agency_complaints_nonNMLS_createEntity-1.md:chunk-1",
      "title": "Creating a Non-NMLS Entity {#xd_639cae5476ab2d25--35e9ed5d-1808057a2e5--7fec .task}",
      "content": "t**.\n\n    \n\n3.  Use the icons at the top of the page to search by name, location, employee, keywords, phone number, or website.\n\n    \n\n4.  If you do not have information for the particular search screen, click **I Do Not Have This Information** to advance through the search options.\n\n    \n\n    \n\n5.  Click **Subject Not Found** if the search results do not return the entity you are searching for and advance to the next search option.\n\n    \n\n6.  If the subject appears in the search results with either an **SES ID** or an **Entity Tracking Number**:\n\n    1.  Click the **SES ID** to open the company’s record in a new tab.\n\n        \n\n        **Note:** NMLS/SES Companies are pulled into SES from NMLS 1.0.\n\n        This provides the option to initiate onboarding if this has not yet occurred.\n\n    2.  Click the **Entity Tracking Number** to open the Non-NMLS Entity Entity record.\n\n        **Note:** Non-NMLS Entities are records created by other agency Complaints users. They are assigned an Entity Tracking Number by the system.\n\n        This provides the option to update the entity information if your agency created it. Or you can check the discussion about the entity.\n\n    3.  Click **Enter Complaint**.\n\n        \n\n    4.  Proceed to Entering a Complaint.\n\n7.  Click **Enter Complaint**.\n\n    \n\n    Proceed to Entering a Complaint\n\n8.  After all search options have been exhausted, click **Create New Non-NMLS Entity**.\n\n    **Note:** The option to create a new Non-NMLS Entity is intentionally difficult to find. This is to prevent or limit duplicate Non-NMLS Entities.\n\n    **Note:** Non-NMLS entities are defined as unknown or unreachable entities that could be operating without a license. Non-NMLS entities are created by agency complaint users with the purpose of enabling tracking of these entities across agencies. Since they are unknown or unreachable, you cannot interact with them using SES, but complaints can be created on these entities to inform other agency users of their ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\t_agency_complaints_nonNMLS_createEntity-1.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\t_agency_complaints_nonNMLS_createEntity-1.md",
      "headings": [
        "Creating a Non-NMLS Entity {#xd_639cae5476ab2d25--35e9ed5d-1808057a2e5--7fec .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/t_agency_complaints_nonNMLS_createEntity-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/t_agency_complaints_nonNMLS_createEntity-1.md:chunk-2",
      "title": "Creating a Non-NMLS Entity {#xd_639cae5476ab2d25--35e9ed5d-1808057a2e5--7fec .task}",
      "content": "f these entities across agencies. Since they are unknown or unreachable, you cannot interact with them using SES, but complaints can be created on these entities to inform other agency users of their reported activity.\n\n    \n\n9.  Complete the form.\n\n    **Note:** **Entity name** is the only required field, but adding as much detail as possible will help other agencies identify this entity when conducting a search for subject.\n\n10. Click **Save Entity**.\n\n    **Note:** For help in using other agencies’ knowledge about non-NMLS entities, see the Accessing the Discussion for a Non-NMLS Entity article. For information about creating a complaint for a non-NMLS entity, see Entering a Complaint.\n\n    \n\n**Parent topic:**Searching for the Subject of a Complaint\n\n**Related information**  \n\nEntering Subject ID\n\nSearching for Subject\n\nAccessing the Discussion for a Non-NMLS Entity\n\nEntering a Complaint\n\nEnrolling a Company User for Exams or Complaints",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\t_agency_complaints_nonNMLS_createEntity-1.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\t_agency_complaints_nonNMLS_createEntity-1.md",
      "headings": [
        "Creating a Non-NMLS Entity {#xd_639cae5476ab2d25--35e9ed5d-1808057a2e5--7fec .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/t_agency_complaints_nonNMLS_createEntity-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/t_agency_complaints_nonNMLS_createEntity.md:chunk-0",
      "title": "Creating a Non-NMLS Entity {#xd_639cae5476ab2d25--35e9ed5d-1808057a2e5--7fec .task}",
      "content": "# Creating a Non-NMLS Entity \n\nIf you cannot find a record for the subject for your complaint in SES, you must create a non-NMLS Entity. Non-NMLS entities do not have a record in NMLS.\n\nNon-NMLS entity records are created by SES agency users to help identify the subjects of complaints who may be uncooperative or refuse to create an account in NMLS to formally comply to the complaints process in SES.\n\n**Note:** Non-NMLS entities are defined as unknown or unreachable entities that could be operating without a license. Non-NMLS entities are created by agency complaint users with the purpose of enabling tracking of these entities across agencies. Since they are unknown or unreachable, you cannot interact with them using SES, but complaints can be created on these entities to inform other agency users of their reported activity.\n\n**Note:** Users with the Complaint Supervisor and Complaint Manager roles can search for the subject of a complaint. See SES Agency System Roles & Consumer Complaints Roles for more information.\n\n**Note:** Users with the Complaint Supervisor and Complaint Manager roles can create a non-NMLS entity. See SES Agency System Roles & Consumer Complaints Roles for more information.\n\n**Important:** If you are unable to locate the desired entity using all search options, you are presented with the option to create a Non-NMLS Entity. It is recommended that you exhaust all search options before proceeding with creating a new Non-NMLS Entity to prevent duplicate entities. Consider reviewing Accessing the Discussion for a Non-NMLS Entity to find entities created by other agency users that have similar characteristics to the subject you are searching for to see more details about the entity.\n\n1.  Click **Enter New Complaint**.\n\n    \n\n2.  Click **Search for Subject**.\n\n    \n\n3.  Use the icons at the top of the page to search by name, location, employee, keywords, phone number, or website.\n\n    \n\n4.  If you do not have information for the particular search scre",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\t_agency_complaints_nonNMLS_createEntity.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\t_agency_complaints_nonNMLS_createEntity.md",
      "headings": [
        "Creating a Non-NMLS Entity {#xd_639cae5476ab2d25--35e9ed5d-1808057a2e5--7fec .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/t_agency_complaints_nonNMLS_createEntity.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/t_agency_complaints_nonNMLS_createEntity.md:chunk-1",
      "title": "Creating a Non-NMLS Entity {#xd_639cae5476ab2d25--35e9ed5d-1808057a2e5--7fec .task}",
      "content": "t**.\n\n    \n\n3.  Use the icons at the top of the page to search by name, location, employee, keywords, phone number, or website.\n\n    \n\n4.  If you do not have information for the particular search screen, click **I Do Not Have This Information** to advance through the search options.\n\n    \n\n    \n\n5.  Click **Subject Not Found** if the search results do not return the entity you are searching for and advance to the next search option.\n\n    \n\n6.  If the subject appears in the search results with either an **SES ID** or an **Entity Tracking Number**:\n\n    1.  Click the **SES ID** to open the company’s record in a new tab.\n\n        \n\n        **Note:** NMLS/SES Companies are pulled into SES from NMLS 1.0.\n\n        This provides the option to initiate onboarding if this has not yet occurred.\n\n    2.  Click the **Entity Tracking Number** to open the Non-NMLS Entity Entity record.\n\n        **Note:** Non-NMLS Entities are records created by other agency Complaints users. They are assigned an Entity Tracking Number by the system.\n\n        This provides the option to update the entity information if your agency created it. Or you can check the discussion about the entity.\n\n    3.  Click **Enter Complaint**.\n\n        \n\n    4.  Proceed to Entering a Complaint.\n\n7.  Click **Enter Complaint**.\n\n    \n\n    Proceed to Entering a Complaint\n\n8.  After all search options have been exhausted, click **Create New Non-NMLS Entity**.\n\n    **Note:** The option to create a new Non-NMLS Entity is intentionally difficult to find. This is to prevent or limit duplicate Non-NMLS Entities.\n\n    **Note:** Non-NMLS entities are defined as unknown or unreachable entities that could be operating without a license. Non-NMLS entities are created by agency complaint users with the purpose of enabling tracking of these entities across agencies. Since they are unknown or unreachable, you cannot interact with them using SES, but complaints can be created on these entities to inform other agency users of their ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\t_agency_complaints_nonNMLS_createEntity.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\t_agency_complaints_nonNMLS_createEntity.md",
      "headings": [
        "Creating a Non-NMLS Entity {#xd_639cae5476ab2d25--35e9ed5d-1808057a2e5--7fec .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/t_agency_complaints_nonNMLS_createEntity.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/t_agency_complaints_nonNMLS_createEntity.md:chunk-2",
      "title": "Creating a Non-NMLS Entity {#xd_639cae5476ab2d25--35e9ed5d-1808057a2e5--7fec .task}",
      "content": "f these entities across agencies. Since they are unknown or unreachable, you cannot interact with them using SES, but complaints can be created on these entities to inform other agency users of their reported activity.\n\n    \n\n9.  Complete the form.\n\n    **Note:** **Entity name** is the only required field, but adding as much detail as possible will help other agencies identify this entity when conducting a search for subject.\n\n10. Click **Save Entity**.\n\n    **Note:** For help in using other agencies’ knowledge about non-NMLS entities, see the Accessing the Discussion for a Non-NMLS Entity article. For information about creating a complaint for a non-NMLS entity, see Entering a Complaint.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\t_agency_complaints_nonNMLS_createEntity.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\t_agency_complaints_nonNMLS_createEntity.md",
      "headings": [
        "Creating a Non-NMLS Entity {#xd_639cae5476ab2d25--35e9ed5d-1808057a2e5--7fec .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/t_agency_complaints_nonNMLS_createEntity.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/t_agency_complaints_reopen-1.md:chunk-0",
      "title": "Reopening a Complaint {#xd_639cae5476ab2d25--35e9ed5d-1808057a2e5--7ff9 .task}",
      "content": "# Reopening a Complaint \n\nYou can reopen a complaint that has been closed for up to one year. If a complaint has been closed for more than one year, you must initiate a new complaint.\n\nCommon reasons for reopening a complaint include closed in error or the consumer comes back with more information that they didn’t have initially. Another reason to reopen a complaint would be to update the complaint details.\n\n**Note:** All Complaint Supervisors and Managers can reopen a complaint. See SES Agency System Roles & Consumer Complaints Roles for more information.\n\n1.  >Access the desired closed complaint.\n\n2.  Click **Reopen Complaint** on the Summary or Details tab.\n\n    \n\n**Impacts of Reopening a Complaint**\n\n-   The complaint is changed to a “Reopened” status.\n-   You can take action on the complaint again.\n-   The company is only notified that the complaint was reopened if an information request is sent after reopening the complaint.\n-   Reopening information is displayed in the Complaint Details tab.\n\n    \n\n-   When the complaint is closed again, the Details tab includes a new All Closures tab.\n\n    \n\n-   The document retention date is renewed based on the most recent closure date for a reopened complaint. See the SES Policies for more information.\n\n**Parent topic:**Processing Consumer Complaints",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\t_agency_complaints_reopen-1.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\t_agency_complaints_reopen-1.md",
      "headings": [
        "Reopening a Complaint {#xd_639cae5476ab2d25--35e9ed5d-1808057a2e5--7ff9 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/t_agency_complaints_reopen-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/t_agency_complaints_reopen.md:chunk-0",
      "title": "Reopening a Complaint {#xd_639cae5476ab2d25--35e9ed5d-1808057a2e5--7ff9 .task}",
      "content": "# Reopening a Complaint \n\nYou can reopen a complaint that has been closed for up to one year. If a complaint has been closed for more than one year, you must initiate a new complaint.\n\nCommon reasons for reopening a complaint include closed in error or the consumer comes back with more information that they didn’t have initially. Another reason to reopen a complaint would be to update the complaint details.\n\n**Note:** All Complaint Supervisors and Managers can reopen a complaint. See SES Agency System Roles & Consumer Complaints Roles for more information.\n\n1.  >Access the desired closed complaint.\n\n2.  Click **Reopen Complaint** on the Summary or Details tab.\n\n    \n\n**Impacts of Reopening a Complaint**\n\n-   The complaint is changed to a “Reopened” status.\n-   You can take action on the complaint again.\n-   The company is only notified that the complaint was reopened if an information request is sent after reopening the complaint.\n-   Reopening information is displayed in the Complaint Details tab.\n\n    \n\n-   When the complaint is closed again, the Details tab includes a new All Closures tab.\n\n    \n\n-   The document retention date is renewed based on the most recent closure date for a reopened complaint. See the SES Policies for more information.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\t_agency_complaints_reopen.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\t_agency_complaints_reopen.md",
      "headings": [
        "Reopening a Complaint {#xd_639cae5476ab2d25--35e9ed5d-1808057a2e5--7ff9 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/t_agency_complaints_reopen.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/t_agency_whatHappensAfterEnterCompliant.md:chunk-0",
      "title": "What Happens After You Enter a Complaint {#t_whatHappensAfterYouEnterACompliant .task}",
      "content": "# What Happens After You Enter a Complaint \n\nAfter creating a complaint, SES assigns a unique identifier for each complaint, referred to as the Complaint ID.\n\nTo continue processing the complaint after entering it:\n\n1.  Navigate to the home page.\n\n2.  Click the **Complaint ID** hyperlink for the complaint you created.\n\n    \n\n3.  Continue to process the complaint by Sending an Information Request to the Company, Adding Research and Communication to a Complaint, or Entering Alleged Violations.\n\n    **Note:** Agencies and companies can see different information in a complaint record. Certain fields are shared between the two different user types; others are only available to agency users. See More about Agency View vs. Company View of Complaint Record for more information.\n\n**Parent topic:**Entering a Complaint\n\n**Related information**  \n\nEntering a Complaint for a Company, Branch, or Non-NMLS Entity\n\nEntering a Complaint for an Individual",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\t_agency_whatHappensAfterEnterCompliant.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\t_agency_whatHappensAfterEnterCompliant.md",
      "headings": [
        "What Happens After You Enter a Complaint {#t_whatHappensAfterYouEnterACompliant .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/t_agency_whatHappensAfterEnterCompliant.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/t_company_compl_SendIR_resp.md:chunk-0",
      "title": "Sending Information Request Responses {#t_complaintSendingIR_responses_company .task}",
      "content": "# Sending Information Request Responses \n\nThe Company POC can send information request responses to the agency that are in a “Ready to Send” status.\n\n**Note:** Users assigned a Consumer Complaints role can draft IR responses, but only the Company POC can send IR responses to the agency. See Managing Company User Accounts and Assigning and Reassigning the Company POC for more information.\n\n1.  Log in to SES.\n\n2.  Click **Manage Complaints**.\n\n    \n\n3.  Click the **Complaint ID** hyperlink.\n\n    \n\n4.  Click **Information Requests**.\n\n    \n\n5.  Click **Send Responses**.\n\n    \n\n6.  Select the desired information request response.\n\n7.  Click **Send Responses**.\n\n    \n\n8.  Click **Confirm**.\n\n    **Note:** You can request a due date extension for a complaint information request. For more information, see Requesting a Complaint IR Due Date Extension.\n\n**Parent topic:**Responding to a Complaint Information Request",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\t_company_compl_SendIR_resp.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\t_company_compl_SendIR_resp.md",
      "headings": [
        "Sending Information Request Responses {#t_complaintSendingIR_responses_company .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/t_company_compl_SendIR_resp.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/t_company_compl_add_IR_response.md:chunk-0",
      "title": "Adding Information Request Responses {#t_complaint_adding_IR_response_company .task}",
      "content": "# Adding Information Request Responses \n\nHow to add an information request response to a consumer complaint.\n\n**Note:** Users assigned a Consumer Complaints role can draft IR responses, but only the Company POC can send IR responses to the agency. See Managing Company User Accounts and Assigning and Reassigning the Company POC for more information.\n\nThe Complaints Company POC is the individual responsible for sending complaint IR responses to the agency. This person can also review and update responses drafted by other complaints users.\n\n1.  Log in to SES.\n\n2.  Click **Manage Complaints**.\n\n    \n\n3.  Click the **Complaint ID** hyperlink.\n\n    \n\n4.  Click **Information Requests**.\n\n    \n\n5.  Click **Add IR Responses**.\n\n    \n\n6.  Select the desired IR.\n\n7.  Click **Add Response**.\n\n    \n\n8.  Provide a response and select whether to restrict view from other company participants and provide any internal comments.\n\n9.  Upload any necessary documents.\n\n    **Note:** See Uploading Documents for details on uploading documents.\n\n10. Select the appropriate **Available Next Action**.\n\n    -   To save the response in progress and make additional updates later, select **Save draft**.\n    -   To proceed with sending the response for review, select **Send to Company POC.**\n    **Note:** Company complaint participants, other than the Company POC, must send the drafted response for review. Once an IR is sent for review, it is removed from the list of IRs.\n\n    \n\n**Parent topic:**Responding to a Complaint Information Request",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\t_company_compl_add_IR_response.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\t_company_compl_add_IR_response.md",
      "headings": [
        "Adding Information Request Responses {#t_complaint_adding_IR_response_company .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/t_company_compl_add_IR_response.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/t_company_compl_assignPOC.md:chunk-0",
      "title": "Assigning Company POC {#t_assigningCompanyPoc_complaints .task}",
      "content": "# Assigning Company POC \n\nWhen a complaint is received for your company, you must assign a point of contact \\(POC\\) for the complaint.\n\n**Note:** The SES Complaints Contact and the company's account administrator receives the task to assign the Company POC. See Company User Enrollment for more information.\n\nThe Complaints Company POC is the individual responsible for sending complaint IR responses to the agency. This person can also review and update responses drafted by other complaints users.\n\n1.  Click the **Assign Point of Contact** task on the homepage.\n\n    \n\n    **Note:** The company’s SES Complaints Contact also receives an email with a link to the task.\n\n2.  Review the complaint information.\n\n3.  Select the **Company Point of Contact** at the bottom of the page.\n\n    **Note:** Only individuals with SES accounts assigned a Consumer Complaints role with the Manage Complaints permission appear in this list. See Managing Company User Accounts for more information.\n\n4.  Click **Submit**.\n\n    \n\n**Parent topic:**Assigning and Reassigning the Company POC",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\t_company_compl_assignPOC.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\t_company_compl_assignPOC.md",
      "headings": [
        "Assigning Company POC {#t_assigningCompanyPoc_complaints .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/t_company_compl_assignPOC.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/t_company_compl_reassignCoPOC.md:chunk-0",
      "title": "Reassigning Company POC {#t_reassigningCompanyPoc_complaints .task}",
      "content": "# Reassigning Company POC \n\nThe point of contact for a complaint can be reassigned.\n\n**Note:** Your company’s SES account administrator, the active complaint POC, and the complaints contact can reassign the Company POC.\n\n1.  Log in to SES.\n\n2.  Click **Manage Complaints**.\n\n    \n\n3.  Click the **Complaint ID** hyperlink.\n\n    \n\n4.  Click **Reassign Company POC**.\n\n    \n\n5.  Select the Company**POC** at the bottom of the page.\n\n    **Note:** Only individuals with SES accounts assigned a Consumer Complaints role with the Manage Complaints permission appear in this list. See Managing Company User Accounts for more information.\n\n6.  Click **Reassign Company POC.**\n\n    \n\n**Parent topic:**Assigning and Reassigning the Company POC",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\t_company_compl_reassignCoPOC.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\t_company_compl_reassignCoPOC.md",
      "headings": [
        "Reassigning Company POC {#t_reassigningCompanyPoc_complaints .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/t_company_compl_reassignCoPOC.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/t_company_compl_updateContact-1.md:chunk-0",
      "title": "Updating the Complaints Contact {#t_updatingComplaintsContact_company .task}",
      "content": "# Updating the Complaints Contact \n\nThe complaints contact is the user for a company that receives notification when a complaint is entered, and information requests are sent.\n\nThe complaints contact also receives the task to assign a Company POC for each complaint entered into the system. This article explains how to update the user assigned as the complaints contact, should it need to be changed.\n\n**Note:** Only the SES company account administrator can update the complaints contact.\n\n1.  Log in to SES.\n\n2.  Click **Manage Company Profile**.\n\n    \n\n    **Note:** Only the account administrator can access the actions within the Manage Company Profile page\n\n3.  Click **Assign Contacts**.\n\n    \n\n4.  Select the **Complaints Contact**.\n\n    **Note:** Only individuals with SES accounts assigned a Consumer Complaints role with the Manage Complaints permission appear in this list. See Managing Company User Accounts for more information.\n\n5.  Click **Assign Contacts**.\n\n**Parent topic:**SES Consumer Complaints Resources for Companies",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\t_company_compl_updateContact-1.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\t_company_compl_updateContact-1.md",
      "headings": [
        "Updating the Complaints Contact {#t_updatingComplaintsContact_company .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/t_company_compl_updateContact-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/t_company_compl_updateContact.md:chunk-0",
      "title": "Updating the Complaints Contact {#t_updatingComplaintsContact_company .task}",
      "content": "# Updating the Complaints Contact \n\nThe complaints contact is the user for a company that receives notification when a complaint is entered, and information requests are sent.\n\nThe complaints contact also receives the task to assign a Company POC for each complaint entered into the system. This article explains how to update the user assigned as the complaints contact, should it need to be changed.\n\n**Note:** Only the SES company account administrator can update the complaints contact.\n\n1.  Log in to SES.\n\n2.  Click **Manage Company Profile**.\n\n    \n\n    **Note:** Only the account administrator can access the actions within the Manage Company Profile page\n\n3.  Click **Assign Contacts**.\n\n    \n\n4.  Select the **Complaints Contact**.\n\n    **Note:** Only individuals with SES accounts assigned a Consumer Complaints role with the Manage Complaints permission appear in this list. See Managing Company User Accounts for more information.\n\n5.  Click **Assign Contacts**.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\t_company_compl_updateContact.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\t_company_compl_updateContact.md",
      "headings": [
        "Updating the Complaints Contact {#t_updatingComplaintsContact_company .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/t_company_compl_updateContact.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/t_company_complaints_IR_dateExtReq-1.md:chunk-0",
      "title": "Requesting a Complaint IR Due Date Extension {#t_company_RequestingIR_dateExtension .task}",
      "content": "# Requesting a Complaint IR Due Date Extension \n\nYou can request an extension for the due dates of your company’s information requests \\(IRs\\). This sends a notification to the agency to review the request.\n\nThe agency can accept or reject your requested due date. They also have the option of entering a new due date for the IR.\n\n**Note:** You must be the Company POC to request an IR due date extension.\n\n1.  Navigate to the complaint.\n\n2.  Click the **Information Requests** > **IR ID** hyperlink.\n\n    \n\n3.  Click **Request Due Date Extension**.\n\n    \n\n4.  Enter requested due date.\n\n5.  Enter the reason for extension.\n\n6.  Click **Request Extension**.\n\nThe agency is notified and reviews your due date extension request.\n\n**Note:** The current due date for the IR remains in effect until the agency reviews and responds to your due date extension request. The Company POC receives a notification with the extension request decision.\n\n**Parent topic:**SES Consumer Complaints Resources for Companies",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\t_company_complaints_IR_dateExtReq-1.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\t_company_complaints_IR_dateExtReq-1.md",
      "headings": [
        "Requesting a Complaint IR Due Date Extension {#t_company_RequestingIR_dateExtension .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/t_company_complaints_IR_dateExtReq-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/t_company_complaints_IR_dateExtReq.md:chunk-0",
      "title": "Requesting a Complaint IR Due Date Extension {#t_company_RequestingIR_dateExtension .task}",
      "content": "# Requesting a Complaint IR Due Date Extension \n\nYou can request an extension for the due dates of your company’s information requests \\(IRs\\). This sends a notification to the agency to review the request.\n\nThe agency can accept or reject your requested due date. They also have the option of entering a new due date for the IR.\n\n**Note:** You must be the Company POC to request an IR due date extension.\n\n1.  Navigate to the complaint.\n\n2.  Click the **Information Requests** > **IR ID** hyperlink.\n\n    \n\n3.  Click **Request Due Date Extension**.\n\n    \n\n4.  Enter requested due date.\n\n5.  Enter the reason for extension.\n\n6.  Click **Request Extension**.\n\nThe agency is notified and reviews your due date extension request.\n\n**Note:** The current due date for the IR remains in effect until the agency reviews and responds to your due date extension request. The Company POC receives a notification with the extension request decision.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\t_company_complaints_IR_dateExtReq.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\t_company_complaints_IR_dateExtReq.md",
      "headings": [
        "Requesting a Complaint IR Due Date Extension {#t_company_RequestingIR_dateExtension .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/t_company_complaints_IR_dateExtReq.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/t_company_complaints_IR_reqSendBack.md:chunk-0",
      "title": "Requesting the Agency to Send Back a Complaint Information Request {#xd_90f2bef5a79901d9--3711426d-1926289d8fe--7ffb .task}",
      "content": "# Requesting the Agency to Send Back a Complaint Information Request \n\nThe company point of contact on a complaint can request that the agency send back an IR that has been sent to the agency, before the complaint is closed.\n\n1.  Click **Manage Complaints**.\n\n    \n\n2.  Click the **Complaint ID** hyperlink.\n\n    \n\n3.  Click **Information Requests**.\n\n    \n\n4.  Click the **IR ID** of an IR that has been sent to the agency.\n\n    \n\n5.  Click **Request IR to be Sent Back**.\n\n    \n\n    The Request Information Request to be Sent Back page is displayed.\n\n6.  Type a **Reason** for the request.\n\n7.  Click **Submit Request**.\n\n    \n\nAn email notification is sent to the Agency, notifying the agency of your request.\n\n**Parent topic:**SES Consumer Complaints Resources for Companies",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\t_company_complaints_IR_reqSendBack.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\t_company_complaints_IR_reqSendBack.md",
      "headings": [
        "Requesting the Agency to Send Back a Complaint Information Request {#xd_90f2bef5a79901d9--3711426d-1926289d8fe--7ffb .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/t_company_complaints_IR_reqSendBack.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/t_company_complaints_Viewing-1.md:chunk-0",
      "title": "Viewing a Complaint {#t_companyViewingComplaint .task}",
      "content": "# Viewing a Complaint \n\nWhen a complaint is entered into SES and information requests are sent to your company, you can view the details in the system.\n\n**Note:** Users must be assigned a complaint role in SES to view a complaint. See SES Company User Roles Matrix for more information.\n\nThe Complaints Company POC is the individual responsible for sending complaint IR responses to the agency. This person can also review and update responses drafted by other complaints users.\n\nThe Company Complaints Contact is the user who received the initial notification of a new Complaint in SES and is responsible for managing the Company POC assigned to the Complaint.\n\n**Note:** The SES Complaints Contact and the company's account administrator receives the task to assign the Company POC. See Company User Enrollment for more information.\n\n1.  Log in to SES.\n\n2.  Click **Manage Complaints**.\n\n    \n\n3.  Click the **Complaint ID** hyperlink.\n\n    \n\n**Parent topic:**SES Consumer Complaints Resources for Companies",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\t_company_complaints_Viewing-1.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\t_company_complaints_Viewing-1.md",
      "headings": [
        "Viewing a Complaint {#t_companyViewingComplaint .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/t_company_complaints_Viewing-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/complaint/topics/t_company_complaints_Viewing.md:chunk-0",
      "title": "Viewing a Complaint {#t_companyViewingComplaint .task}",
      "content": "# Viewing a Complaint \n\nWhen a complaint is entered into SES and information requests are sent to your company, you can view the details in the system.\n\n**Note:** Users must be assigned a complaint role in SES to view a complaint. See SES Company User Roles Matrix for more information.\n\nThe Complaints Company POC is the individual responsible for sending complaint IR responses to the agency. This person can also review and update responses drafted by other complaints users.\n\nThe Company Complaints Contact is the user who received the initial notification of a new Complaint in SES and is responsible for managing the Company POC assigned to the Complaint.\n\n**Note:** The SES Complaints Contact and the company's account administrator receives the task to assign the Company POC. See Company User Enrollment for more information.\n\n1.  Log in to SES.\n\n2.  Click **Manage Complaints**.\n\n    \n\n3.  Click the **Complaint ID** hyperlink.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\complaint\\topics\\t_company_complaints_Viewing.md",
      "relative_path": "maps\\SES\\chapter\\complaint\\topics\\t_company_complaints_Viewing.md",
      "headings": [
        "Viewing a Complaint {#t_companyViewingComplaint .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/complaint/topics/t_company_complaints_Viewing.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/exam_inv/topics/c_agency_assigningProcedures.md:chunk-0",
      "title": "Assigning Procedures {#xd_1faeb854f7f52956-24abea30-190f9f1f5db--7ffa .concept}",
      "content": "# Assigning Procedures \n\nProcedures can be assigned to other participants on a supervisory activity.\n\nFor single-state supervisory activities, when you assign a procedure to another participant, it is a \"soft\" assignment that does not trigger a task or other notification in SES. The assignment is meant to help participants on a supervisory activity to better filter the list of procedures and focus on the ones assigned to them. Participants on the supervisory activity can still manage procedures that are not assigned to them.\n\nFor multi-state supervisory activities, if one state is assigned to be the owner of an area for review \\(AFR\\), a different state cannot assign procedures to participants from another state. Only participants from the state that is assigned the owner of an AFR can change assignments for a procedure, and they can only assign the procedure to participants from their state.\n\n-   **Assigning a Single Procedure**  \nHow to assign a single procedure for an area for review \\(AFR\\).\n-   **Bulk Assigning Procedures**  \nProcedures can be assigned in bulk to participants on an SA via the Plan or Examination tabs.\n-   **Reassigning a Single Procedure**  \nHow to reassign a single procedure for an area for review \\(AFR\\).\n-   **Bulk Reassigning Procedures**  \nProcedures can be reassigned in bulk to participants on an SA via the Plan or Examination tabs.\n\n**Parent topic:**Procedures",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\exam_inv\\topics\\c_agency_assigningProcedures.md",
      "relative_path": "maps\\SES\\chapter\\exam_inv\\topics\\c_agency_assigningProcedures.md",
      "headings": [
        "Assigning Procedures {#xd_1faeb854f7f52956-24abea30-190f9f1f5db--7ffa .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/exam_inv/topics/c_agency_assigningProcedures.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/exam_inv/topics/c_agency_examConduct_ExitMtg-1.md:chunk-0",
      "title": "Scheduling the Exit Meeting {#c_agency_examConduct_ExitMtg .concept}",
      "content": "# Scheduling the Exit Meeting \n\nSchedule the exit meeting when you are ready to review the results of your examination with the company you are examining.\n\n**Note:** Only staff users from the Lead Agency assigned as a participant on the SA and the Examiner in Charge can schedule the Exit Meeting once a supervisory activity is in the In-Flight Milestone.\n\n-   **Scheduling the Exit Meeting**  \nWhen you schedule the exit meeting, you can select any Findings in the Reviewed state to share with the company.\n-   **Updating the Exit Meeting**  \nThe EIC can update all aspects of the exit meeting at any time. The company lead receives a notification when updates are made.\n-   **Closing the Exit Meeting**  \nThe Examiner in Charge or a staff user can add comments and supporting documentation, then close the Exit Meeting.\n\n**Parent topic:**Conducting a Supervisory Activity\n\n**Previous topic:**Conducting the Exam: Marking an Area for Review \\(AFR\\) Complete\n\n**Next topic:**Scheduling the Exit Meeting",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\exam_inv\\topics\\c_agency_examConduct_ExitMtg-1.md",
      "relative_path": "maps\\SES\\chapter\\exam_inv\\topics\\c_agency_examConduct_ExitMtg-1.md",
      "headings": [
        "Scheduling the Exit Meeting {#c_agency_examConduct_ExitMtg .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/exam_inv/topics/c_agency_examConduct_ExitMtg-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/exam_inv/topics/c_agency_examConduct_ExitMtg.md:chunk-0",
      "title": "Scheduling the Exit Meeting {#c_agency_examConduct_ExitMtg .concept}",
      "content": "# Scheduling the Exit Meeting \n\nSchedule the exit meeting when you are ready to review the results of your examination with the company you are examining.\n\n**Note:** Only staff users from the Lead Agency assigned as a participant on the SA and the Examiner in Charge can schedule the Exit Meeting once a supervisory activity is in the In-Flight Milestone.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\exam_inv\\topics\\c_agency_examConduct_ExitMtg.md",
      "relative_path": "maps\\SES\\chapter\\exam_inv\\topics\\c_agency_examConduct_ExitMtg.md",
      "headings": [
        "Scheduling the Exit Meeting {#c_agency_examConduct_ExitMtg .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/exam_inv/topics/c_agency_examConduct_ExitMtg.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/exam_inv/topics/c_agency_examConduct_Findings.md:chunk-0",
      "title": "Findings {#c_agency_examConduct_Findings .concept}",
      "content": "# Findings \n\nA finding is an issue identified by a state agency user during the supervision of a financial institution in SES. The finding may describe the company’s strengths and/or weaknesses regarding its compliance management system, assess the company’s compliance with consumer protection laws or regulations, or any potential consumer harm. A finding may be either a violation, recommendation, or observation.\n\nThere are some functions available to all exam participants, and some functions reserved to the Examiner in Charge \\(EIC\\).\n\n|Feature|Examiners|EIC|\n|-------|---------|---|\n|**Adding Findings**|•|•|\n|Adding Repeated Findings from Another SA|•|•|\n|Quick Adding an MRA|•|•|\n|Exporting Finding Commentary| |•|\n|Marking the Finding Resolved| |•|\n|**Updating Findings**|•|•|\n|Adding Comments|•|•|\n|Managing MRA Association|•|•|\n|Managing LR Association|•|•|\n|Reviewing Findings| |•|\n|Deleting Findings| |•|\n|Exporting Findings| |•|\n\n-   **Adding Findings as EIC**  \nThe EIC can add new or repeated findings to a Supervisory Activity \\(SA\\), mark findings as resolved, and review proposed findings from other examiners.\n-   **Adding Findings as an Examiner**  \nExam participants can propose exam findings, which are then sent to the EIC for review. New findings, or repeated findings from a previous Supervisory Activity \\(if you have access\\), can be added to the exam.\n-   **Managing Findings from the Findings Tab**  \nHow to manage findings from the Findings tab on the Examination page.\n-   **Sharing Findings with the Company**  \nHow to share findings with the company outside of an exit meeting.\n-   **Updating Findings as EIC**  \nThe examiner in charge can review and update findings from the examination.\n-   **Updating Findings as an Examiner**  \nParticipants on exam can update findings and propose the updates to the EIC for review.\n-   **Adding Comments to a Finding**  \nThe EIC can add comments to a finding.\n-   **Managing Loan Request Associations**  \nAll examination parti",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\exam_inv\\topics\\c_agency_examConduct_Findings.md",
      "relative_path": "maps\\SES\\chapter\\exam_inv\\topics\\c_agency_examConduct_Findings.md",
      "headings": [
        "Findings {#c_agency_examConduct_Findings .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/exam_inv/topics/c_agency_examConduct_Findings.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/exam_inv/topics/c_agency_examConduct_Findings.md:chunk-1",
      "title": "Findings {#c_agency_examConduct_Findings .concept}",
      "content": "findings and propose the updates to the EIC for review.\n-   **Adding Comments to a Finding**  \nThe EIC can add comments to a finding.\n-   **Managing Loan Request Associations**  \nAll examination participants can associate a finding to specific loan requests.\n-   **Managing MRA Associations**  \nMatters Requiring Attention can be associated with Findings. You can add or remove MRA associations from specific findings.\n-   **Reviewing Findings as EIC**  \nYou must be signed in as the Examiner in Charge to mark findings as reviewed.\n-   **Deleting Findings**  \nThe Examiner in Charge, a staff user from the lead agency, and the creator of a finding can delete a finding in any status before a supervisory activity is closed and locked.\n-   **Exporting Findings**  \nThe Examiner in Charge can export findings to an Excel® document.\n-   **Exporting Finding Commentary**  \nFinding commentary entered here is automatically included in the Finding Commentary section on the Report tab. The EIC can then export the finding commentary when building the report.\n\n**Parent topic:**Conducting a Supervisory Activity\n\n**Previous topic:**Associating Additional IR responses to an IR Response\n\n**Next topic:**Adding Findings as EIC",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\exam_inv\\topics\\c_agency_examConduct_Findings.md",
      "relative_path": "maps\\SES\\chapter\\exam_inv\\topics\\c_agency_examConduct_Findings.md",
      "headings": [
        "Findings {#c_agency_examConduct_Findings .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/exam_inv/topics/c_agency_examConduct_Findings.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/exam_inv/topics/c_agency_examConduct_MTRAworkbook-1.md:chunk-0",
      "title": "MTRA Workbook {#xd_25551b026ce61269-12880d6e-195c3acf5ca--7ffc .concept}",
      "content": "# MTRA Workbook \n\nUsers conducting MSB exams can export work completed in SES into a template that matches the MTRA work program.\n\nActive agency participants on an MSB exam can export the Examination tab into a formatted workbook called the MTRA Workbook. The workbook aligns to the conventions used in the MTRA Work Program \\(see SES Work Programs for more information\\). It is customized to the scope of the SA and only displays the areas for review \\(AFRs\\) that are selected for a particular exam.\n\nThe MTRA Workbook includes:\n\n-   All procedures and their observations for all areas for review on the SA.\n-   Information request response document information for information requests associated to a procedure.\n-   All finding information from the SA.\n\nAgency users can access a secure portal to download an MTRA Workbook Sample to see the information included in the export.\n\n**Note:** Descriptions of the data included in each column can be seen by hovering over the red arrow in the header row.\n\n-   **Exporting the MTRA Workbook**  \nInstructions for exporting an SES supervisory activity information for an MSB exam into the MTRA Workbook format.\n\n**Parent topic:**Conducting a Supervisory Activity\n\n**Previous topic:**Sending Back Agent Location Requests\n\n**Next topic:**Exporting the MTRA Workbook\n\n**Related information**  \n\nExporting the MTRA Workbook",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\exam_inv\\topics\\c_agency_examConduct_MTRAworkbook-1.md",
      "relative_path": "maps\\SES\\chapter\\exam_inv\\topics\\c_agency_examConduct_MTRAworkbook-1.md",
      "headings": [
        "MTRA Workbook {#xd_25551b026ce61269-12880d6e-195c3acf5ca--7ffc .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/exam_inv/topics/c_agency_examConduct_MTRAworkbook-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/exam_inv/topics/c_agency_examConduct_MTRAworkbook.md:chunk-0",
      "title": "MTRA Workbook {#xd_25551b026ce61269-12880d6e-195c3acf5ca--7ffc .concept}",
      "content": "# MTRA Workbook \n\nUsers conducting MSB exams can export work completed in SES into a template that matches the MTRA work program.\n\nActive agency participants on an MSB exam can export the Examination tab into a formatted workbook called the MTRA Workbook. The workbook aligns to the conventions used in the MTRA Work Program \\(see SES Work Programs for more information\\). It is customized to the scope of the SA and only displays the areas for review \\(AFRs\\) that are selected for a particular exam.\n\nThe MTRA Workbook includes:\n\n-   All procedures and their observations for all areas for review on the SA.\n-   Information request response document information for information requests associated to a procedure.\n-   All finding information from the SA.\n\nAgency users can access a secure portal to download an MTRA Workbook Sample to see the information included in the export.\n\n**Note:** Descriptions of the data included in each column can be seen by hovering over the red arrow in the header row.\n\n**Related information**  \n\nExporting the MTRA Workbook",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\exam_inv\\topics\\c_agency_examConduct_MTRAworkbook.md",
      "relative_path": "maps\\SES\\chapter\\exam_inv\\topics\\c_agency_examConduct_MTRAworkbook.md",
      "headings": [
        "MTRA Workbook {#xd_25551b026ce61269-12880d6e-195c3acf5ca--7ffc .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/exam_inv/topics/c_agency_examConduct_MTRAworkbook.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/exam_inv/topics/c_agency_examConduct_ReviewIRresponse-1.md:chunk-0",
      "title": "Conducting the Exam: Reviewing Information Request Responses {#c_agency_examConduct_ReviewIRresponse .concept}",
      "content": "# Conducting the Exam: Reviewing Information Request Responses \n\nConducting the exam consists of reviewing Information Requests responses, working procedures and adding or reviewing findings.\n\n-   **Moving to In-Flight**  \nIn-Flight is a Supervisory Activity workflow Milestone. It is recommended to move an SA to In-Flight when IR responses are being reviewed.\n-   **Conducting the Exam: Reviewing Information Request Responses**  \nWhen a company responds to information requests, you can review them to decide if they look complete and mark them as **Quick Look Complete** or if they shoud be sent back to the company for further information.\n-   **Marking an IR Response Quick Look Complete**  \nMarking an IR response **Quick Look Complete** informs other participants that the IR response has been looked at. The company does not get notified about this selection.\n-   **Sending an IR Response back to the Company**  \nIn the case of an insufficient Information Requests Response from a company, you can return the response.\n-   **Associating Additional IR responses to an IR Response**  \nIf you find that an Information Requests response from another Area for Review addresses an Information Requests within the Area for Review you are currently in, you can use the **Associate Additional Information Request** feature to link the two Information Requests responses.\n\n**Parent topic:**Conducting a Supervisory Activity\n\n**Previous topic:**Exporting Procedures\n\n**Next topic:**Moving to In-Flight",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\exam_inv\\topics\\c_agency_examConduct_ReviewIRresponse-1.md",
      "relative_path": "maps\\SES\\chapter\\exam_inv\\topics\\c_agency_examConduct_ReviewIRresponse-1.md",
      "headings": [
        "Conducting the Exam: Reviewing Information Request Responses {#c_agency_examConduct_ReviewIRresponse .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/exam_inv/topics/c_agency_examConduct_ReviewIRresponse-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/exam_inv/topics/c_agency_examConduct_ReviewIRresponse.md:chunk-0",
      "title": "Conducting the Exam: Reviewing Information Request Responses {#c_agency_examConduct_ReviewIRresponse .concept}",
      "content": "# Conducting the Exam: Reviewing Information Request Responses \n\nConducting the exam consists of reviewing Information Requests responses, working procedures and adding or reviewing findings.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\exam_inv\\topics\\c_agency_examConduct_ReviewIRresponse.md",
      "relative_path": "maps\\SES\\chapter\\exam_inv\\topics\\c_agency_examConduct_ReviewIRresponse.md",
      "headings": [
        "Conducting the Exam: Reviewing Information Request Responses {#c_agency_examConduct_ReviewIRresponse .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/exam_inv/topics/c_agency_examConduct_ReviewIRresponse.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/exam_inv/topics/c_agency_examConduct_WorkProc-1.md:chunk-0",
      "title": "Procedures {#c_agency_examConduct_WorkProc .concept}",
      "content": "# Procedures \n\nProcedures are used to guide examiners during the examination in the review of company documentation or compliance with statutes, regulations, and other requirements.\n\nProcedures are managed in the SES Library. See Managing the Library for more information.\n\nOnce the scope is marked complete, procedures are added to the SA.\n\n-   **Single-state Exams**: Standard and agency core procedures are automatically added to the SA based on the scope type selected.\n-   **Multi-state Exams**: Only the standard core procedures are automatically added to the SA based on the scope type selected.\n\nIf you are conducting an investigation, procedures and IRs are not automatically added to the SA, but they can be manually added.\n\n**Fastpath:** View the SES Milestones Prezi for a handy job-aid.\n\n-   **Viewing Procedures**  \nYou can filter the procedures associated with a supervisory activity by status, core or non-core, user assignment, or area for review.\n-   **Adding Procedures**  \nHow to add procedures to your supervisory activity.\n-   **Uploading General Procedure Documents**  \nActive agency participants on a supervisory activity \\(SA\\) can upload general procedure documents to an SA.\n-   **Assigning Procedures**  \nProcedures can be assigned to other participants on a supervisory activity.\n-   **Working Procedures**  \nWhen working procedures, you are adding examiner observations, uploading relevant documents, and marking procedures done.\n-   **Removing Procedures**  \nThe system automatically pulls in all procedures from the library for a supervisory activity, but not all of them are necessarily relevant to all examinations, so you many need to remove any irrelevant procedures.\n-   **Associating Information Requests to Procedures**  \nHow to associate information requests \\(IRs\\) to procedures in a supervisory activity.\n-   **Exporting Procedures**  \nUsers with detail level access to the SA can export the list of procedures.\n\n**Parent topic:**Conducting a Supervisory Ac",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\exam_inv\\topics\\c_agency_examConduct_WorkProc-1.md",
      "relative_path": "maps\\SES\\chapter\\exam_inv\\topics\\c_agency_examConduct_WorkProc-1.md",
      "headings": [
        "Procedures {#c_agency_examConduct_WorkProc .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/exam_inv/topics/c_agency_examConduct_WorkProc-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/exam_inv/topics/c_agency_examConduct_WorkProc-1.md:chunk-1",
      "title": "Procedures {#c_agency_examConduct_WorkProc .concept}",
      "content": "(IRs\\) to procedures in a supervisory activity.\n-   **Exporting Procedures**  \nUsers with detail level access to the SA can export the list of procedures.\n\n**Parent topic:**Conducting a Supervisory Activity\n\n**Previous topic:**Exporting the MTRA Workbook\n\n**Next topic:**Viewing Procedures",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\exam_inv\\topics\\c_agency_examConduct_WorkProc-1.md",
      "relative_path": "maps\\SES\\chapter\\exam_inv\\topics\\c_agency_examConduct_WorkProc-1.md",
      "headings": [
        "Procedures {#c_agency_examConduct_WorkProc .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/exam_inv/topics/c_agency_examConduct_WorkProc-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/exam_inv/topics/c_agency_examConduct_WorkProc.md:chunk-0",
      "title": "Procedures {#c_agency_examConduct_WorkProc .concept}",
      "content": "# Procedures \n\nProcedures are used to guide examiners during the examination in the review of company documentation or compliance with statutes, regulations, and other requirements.\n\nProcedures are managed in the SES Library. See Managing the Library for more information.\n\nOnce the scope is marked complete, procedures are added to the SA.\n\n-   **Single-state Exams**: Standard and agency core procedures are automatically added to the SA based on the scope type selected.\n-   **Multi-state Exams**: Only the standard core procedures are automatically added to the SA based on the scope type selected.\n\nIf you are conducting an investigation, procedures and IRs are not automatically added to the SA, but they can be manually added.\n\n**Fastpath:** View the SES Milestones Prezi for a handy job-aid.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\exam_inv\\topics\\c_agency_examConduct_WorkProc.md",
      "relative_path": "maps\\SES\\chapter\\exam_inv\\topics\\c_agency_examConduct_WorkProc.md",
      "headings": [
        "Procedures {#c_agency_examConduct_WorkProc .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/exam_inv/topics/c_agency_examConduct_WorkProc.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/exam_inv/topics/c_agency_managingFindingsFromFindingsTab.md:chunk-0",
      "title": "Managing Findings from the Findings Tab {#xd_1faeb854f7f52956-24abea30-190f9f1f5db--7ff2 .task}",
      "content": "# Managing Findings from the Findings Tab \n\nHow to manage findings from the Findings tab on the Examination page.\n\nThis is the recommended method for managing findings in SES because it offers the most streamlined experience. You can take all actions for a finding from within the Findgins tab.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Examination**.\n\n    \n\n3.  Select the **Findings** tab.\n\n    \n\n4.  Click **Show Filters**, and select the appropriate filters to limit the list, click **Search**, then scroll and navigate through the pages until you find the desired item.\n\n    \n\n5.  Select the desired action from the Actions column.\n\n    \n\n    -   Update Finding: Update the details of a finding.\n    -   Add Comment: Add comments to a finding that are only visible to agency participants on the supervisory activity.\n    -   Manage LR Association: Associate the finding to loan requests or remove existing associations to loan requests.\n    -   Manage Procedure Association: Associate the finding to loan procedures or remove existing associations to procedures.\n    -   Share Finding: Share the finding with the company.\n    -   Delete Findings: Delete the finding from the supervisory activity.\n    -   Quick Add MRA: The finding and the MRA are both added to the Supervisory Activity and they are both associated with one another. It appears in the Associated MRAs section of a Finding.\n\n**Parent topic:**Findings\n\n**Related information**  \n\nAdding Findings as EIC\n\nAdding Findings as an Examiner\n\nSharing Findings with the Company\n\nUpdating Findings as EIC\n\nUpdating Findings as an Examiner\n\nAdding Comments to a Finding\n\nManaging Loan Request Associations\n\nManaging MRA Associations\n\nReviewing Findings as EIC\n\nDeleting Findings\n\nExporting Findings\n\nExporting Finding Commentary",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\exam_inv\\topics\\c_agency_managingFindingsFromFindingsTab.md",
      "relative_path": "maps\\SES\\chapter\\exam_inv\\topics\\c_agency_managingFindingsFromFindingsTab.md",
      "headings": [
        "Managing Findings from the Findings Tab {#xd_1faeb854f7f52956-24abea30-190f9f1f5db--7ff2 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/exam_inv/topics/c_agency_managingFindingsFromFindingsTab.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/exam_inv/topics/c_agency_removingProcedures.md:chunk-0",
      "title": "Removing Procedures {#xd_1faeb854f7f52956-24abea30-190f9f1f5db--7ff4 .concept}",
      "content": "# Removing Procedures \n\nThe system automatically pulls in all procedures from the library for a supervisory activity, but not all of them are necessarily relevant to all examinations, so you many need to remove any irrelevant procedures.\n\nThere are two ways to remove procedures in SES:\n\n-   Removing Procedures from the Procedures Tab\n-   Bulk Removing Procedures\n\nThe EIC receives a notification when procedures are removed.\n\n-   **Removing Procedures from the Procedures Tab**  \nHow to remove procedures from the Procedures tab on the Examination page.\n-   **Bulk Removing Procedures**  \nYou can remove procedures from all AFRs from the landing page of the Examination tab.\n\n**Parent topic:**Procedures",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\exam_inv\\topics\\c_agency_removingProcedures.md",
      "relative_path": "maps\\SES\\chapter\\exam_inv\\topics\\c_agency_removingProcedures.md",
      "headings": [
        "Removing Procedures {#xd_1faeb854f7f52956-24abea30-190f9f1f5db--7ff4 .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/exam_inv/topics/c_agency_removingProcedures.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/exam_inv/topics/c_agency_workingProcedures.md:chunk-0",
      "title": "Working Procedures {#xd_1faeb854f7f52956-24abea30-190f9f1f5db--7ff7 .concept}",
      "content": "# Working Procedures \n\nWhen working procedures, you are adding examiner observations, uploading relevant documents, and marking procedures done.\n\nThere are several ways to work procedures in SES:\n\n-   Working Procedures from the Procedures Tab\n-   Bulk Working Procedures\n-   Bulk Work Procedure Observations\n\n-   **Working Procedures from the Procedures Tab**  \nHow to work procedures from the Procedures tab on the Examination page.\n-   **Managing Procedure Review Information**  \nLearn how to use Review Mode for procedures and add procedure review information for specific procedures in an SA.\n-   **Bulk Working Procedures**  \nHow to use the Bulk Work Procedures functionality when working procedures in SES.\n-   **Bulk Work Procedure Observations**  \nHow to use the Bulk Work Procedure Observations functionality when working procedures in SES.\n-   **Managing Procedure Observations Offline**  \nInstructions for exporting and importing the procedure observations template.\n\n**Parent topic:**Procedures",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\exam_inv\\topics\\c_agency_workingProcedures.md",
      "relative_path": "maps\\SES\\chapter\\exam_inv\\topics\\c_agency_workingProcedures.md",
      "headings": [
        "Working Procedures {#xd_1faeb854f7f52956-24abea30-190f9f1f5db--7ff7 .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/exam_inv/topics/c_agency_workingProcedures.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/exam_inv/topics/c_company_1stExam_jobAid-1.md:chunk-0",
      "title": "Job Aid: Your First Examination in SES {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7fdd .concept}",
      "content": "# Job Aid: Your First Examination in SES \n\nThis job aid serves as a guide for company users to complete the setup process for their company \\(i.e., company enrollment\\) and respond to an exam in the State Examination System \\(SES\\).\n\nIt highlights the basic workflow for completing an exam in SES and points out important information along the way. Since the workflow in SES is not specific to any industry or business type, this job aid is relevant for any exam worked in SES.\n\n## 1. Agency Communicates with Company \n\nAs each new state agency comes onto SES, they will likely communicate with their regulated industries about their intent to use SES to conduct supervisory activities, including exams and investigations.\n\n**Remember:** Your company may receive notifications from multiple state agencies regarding their anticipated use of SES. If the notifications looked similar, it’s because CSBS has provided agencies with communication templates to assist with their transition to SES.\n\n## 2. Agency Initiates SES Company Enrollment \n\nThe SES company enrollment process requires the agency to enroll the first user of the company as they likely know who is best suited to handle the exam on behalf of the company.\n\n**Tip:** SES displays the NMLS Contact Person and the NMLS Complaints Contact if provided by the company in NMLS. To help ensure the right individuals are identified as the appropriate company contacts by the agency, it is recommended that you make sure your contacts in NMLS are correct and regularly updated as needed.\n\n## 3. Company Completes SES Company Enrollment \n\nAfter the agency enrolls the appropriate individual, the company user is notified via email. The notification provides the steps the company user must take to access the system.\n\nWatch the Company Enrollment video \\(6:30 mins\\) to learn more, including:\n\n-   How agencies initiate enrollment;\n-   How to ensure your information is captured in SES if your company is not regulated on NMLS;\n-   Information abo",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\exam_inv\\topics\\c_company_1stExam_jobAid-1.md",
      "relative_path": "maps\\SES\\chapter\\exam_inv\\topics\\c_company_1stExam_jobAid-1.md",
      "headings": [
        "Job Aid: Your First Examination in SES {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7fdd .concept}",
        "1. Agency Communicates with Company {#section_rtk_t3c_rtb .section}",
        "2. Agency Initiates SES Company Enrollment {#section_ujs_bjc_rtb .section}",
        "3. Company Completes SES Company Enrollment {#section_lnt_gjc_rtb .section}",
        "4. SES Supervisory Activity Contact Assigns the Company Lead {#section_dpc_bkc_rtb .section}",
        "5. Company Lead Responds to Information Request \\(IR\\) {#section_x1z_dmc_rtb .section}",
        "6. Company Lead Responds to Loan Request \\(if applicable\\) {#section_abl_1nc_rtb .section}",
        "7. Company Lead Responds to Report \\(if required/allowed by agency\\) {#section_hv2_rnc_rtb .section}",
        "8. Company Lead Responds to Matters Requiring Attention \\(if applicable\\) {#section_slb_fpc_rtb .section}",
        "SES Company Resources {#section_kdn_mxc_rtb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/exam_inv/topics/c_company_1stExam_jobAid-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/exam_inv/topics/c_company_1stExam_jobAid-1.md:chunk-1",
      "title": "Job Aid: Your First Examination in SES {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7fdd .concept}",
      "content": "video \\(6:30 mins\\) to learn more, including:\n\n-   How agencies initiate enrollment;\n-   How to ensure your information is captured in SES if your company is not regulated on NMLS;\n-   Information about Okta and how to set up your multi-factor authentication tool;\n-   A guided demonstration of all system pages completed during the enrollment process;\n-   Information on account management, including assigning contacts, user account creation, and roles;\n-   And, outstanding tasks – what to look for once you’ve completed enrollment!\n\n## 4. SES Supervisory Activity Contact Assigns the Company Lead \n\nThe SES Supervisory Activity Contact is responsible for assigning a Company Lead for each exam received in SES. In turn, the Company Lead oversees the exam and is responsible for responding to the agency using SES. If the Company Lead would like assistance with the exam, they may add additional participants to the supervisory activity in the Contributor, Coordinator and Third-Party User roles. Consult the video about user roles in SES Company User Roles Matrix for more information about the different supervisory activity roles.\n\n## 5. Company Lead Responds to Information Request \\(IR\\) \n\nAlthough participants can assist with drafting IR responses, only the Company Lead can submit the responses to the agency. Responses can be saved in draft and can also be marked for restricted access to limit who from the company can view the response. Once the response has been sent, your job is done until you receive an update from SES. The agency is automatically notified of the submission and the status is updated to ‘Sent’ in SES.\n\nIn SES, responses can be sent via:\n\n-   On-screen text\n    -   4,000 characters limit\n-   Document upload\n\n    Please note the following restrictions with regard to file uploads in SES. It is recommended to use a ZIP folder or File Sharing Links when uploading large files or more than 25 files at a time.\n\n    -   **File formats supported**: SES will accept al",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\exam_inv\\topics\\c_company_1stExam_jobAid-1.md",
      "relative_path": "maps\\SES\\chapter\\exam_inv\\topics\\c_company_1stExam_jobAid-1.md",
      "headings": [
        "Job Aid: Your First Examination in SES {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7fdd .concept}",
        "1. Agency Communicates with Company {#section_rtk_t3c_rtb .section}",
        "2. Agency Initiates SES Company Enrollment {#section_ujs_bjc_rtb .section}",
        "3. Company Completes SES Company Enrollment {#section_lnt_gjc_rtb .section}",
        "4. SES Supervisory Activity Contact Assigns the Company Lead {#section_dpc_bkc_rtb .section}",
        "5. Company Lead Responds to Information Request \\(IR\\) {#section_x1z_dmc_rtb .section}",
        "6. Company Lead Responds to Loan Request \\(if applicable\\) {#section_abl_1nc_rtb .section}",
        "7. Company Lead Responds to Report \\(if required/allowed by agency\\) {#section_hv2_rnc_rtb .section}",
        "8. Company Lead Responds to Matters Requiring Attention \\(if applicable\\) {#section_slb_fpc_rtb .section}",
        "SES Company Resources {#section_kdn_mxc_rtb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/exam_inv/topics/c_company_1stExam_jobAid-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/exam_inv/topics/c_company_1stExam_jobAid-1.md:chunk-2",
      "title": "Job Aid: Your First Examination in SES {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7fdd .concept}",
      "content": " to file uploads in SES. It is recommended to use a ZIP folder or File Sharing Links when uploading large files or more than 25 files at a time.\n\n    -   **File formats supported**: SES will accept all file formats, but the following commonly supported file types are recommended: PDF, Word®, Excel®, CSV, ZIP\n    -   **Max file size**: 1 GB\n    -   **For files larger than 1 GB[^1]:**\n        -   Use ZIP compression to reduce file to less than 1 GB[^1]\n        -   Split the file into multiple smaller files\n        -   Use File Sharing Links.\n    -   **Max no. characters per file name:** 200\n    -   **Max no. files per upload**: 25, for uploads larger than 25 total files:\n        1.  Upload first 25.\n        2.  Select the **Save Draft** option in Available Next Actions then click the **Save Draft** button.\n\n            **Note:** You may need to refresh the screen to see that the files have uploaded to the system.\n\n        3.  Return to the response screen to upload the next 25 files and repeat.\n    -   **Total no. files**: unlimited\n-   External file sharing link\n    -   For files that exceed 1GB\n\nIf additional information is needed, the agency can send the response back to the company for updates or create a new IR for your company to respond to in SES. Also, if you have a very large file to share, consider using an external file sharing link to share files in SES.\n\n## 6. Company Lead Responds to Loan Request \\(if applicable\\) \n\nSimilar to the IR process, mortgage or consumer finance industries may also receive requests for loan files in SES. A Company Lead can assign loan requests to Contributors, in bulk or individually by loan file, to draft responses if desired. Once the responses are complete, the exam participants can then return to SES and send them to the agency. And, just like IRs, only the Company Lead can send the responses to the agency.\n\n## 7. Company Lead Responds to Report \\(if required/allowed by agency\\) \n\nThe company receives the report through the ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\exam_inv\\topics\\c_company_1stExam_jobAid-1.md",
      "relative_path": "maps\\SES\\chapter\\exam_inv\\topics\\c_company_1stExam_jobAid-1.md",
      "headings": [
        "Job Aid: Your First Examination in SES {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7fdd .concept}",
        "1. Agency Communicates with Company {#section_rtk_t3c_rtb .section}",
        "2. Agency Initiates SES Company Enrollment {#section_ujs_bjc_rtb .section}",
        "3. Company Completes SES Company Enrollment {#section_lnt_gjc_rtb .section}",
        "4. SES Supervisory Activity Contact Assigns the Company Lead {#section_dpc_bkc_rtb .section}",
        "5. Company Lead Responds to Information Request \\(IR\\) {#section_x1z_dmc_rtb .section}",
        "6. Company Lead Responds to Loan Request \\(if applicable\\) {#section_abl_1nc_rtb .section}",
        "7. Company Lead Responds to Report \\(if required/allowed by agency\\) {#section_hv2_rnc_rtb .section}",
        "8. Company Lead Responds to Matters Requiring Attention \\(if applicable\\) {#section_slb_fpc_rtb .section}",
        "SES Company Resources {#section_kdn_mxc_rtb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/exam_inv/topics/c_company_1stExam_jobAid-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/exam_inv/topics/c_company_1stExam_jobAid-1.md:chunk-3",
      "title": "Job Aid: Your First Examination in SES {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7fdd .concept}",
      "content": " And, just like IRs, only the Company Lead can send the responses to the agency.\n\n## 7. Company Lead Responds to Report \\(if required/allowed by agency\\) \n\nThe company receives the report through the system and is able to respond if required or allowed by the agency.\n\nIn SES, each agency determines the response settings by exam. See below for the available options and how they appear for the company in SES.\n\n## 8. Company Lead Responds to Matters Requiring Attention \\(if applicable\\) \n\nThe Company Lead is also responsible for responding to matters requiring attention \\(MRA\\), if sent by the agency at the conclusion of the exam. The MRA functionality in SES refers to the state agencies’ ability to track issues and concerns that the agency expects a company to address at the conclusion of an exam.\n\nSimilar to the IR process, by selecting **Restrict View**, only the Company Lead and the participant that drafted the response to the MRA can see the response and supporting documentation. Also, with the MRA feature, companies can send their MRA responses at any time, even after the exam has been closed.\n\nThat concludes the exam process in SES! For a general overview of SES, please watch the A Tour of SES video to get started. For more information about SES policies, such as the document and data retention policy, download the SES Policies guide.\n\n## SES Company Resources \n\nBe sure to check out the SES Quick Start Guide for Companies. If you have any additional questions, please contact the NMLS and SES Call Center by telephone \\(1-800-269-6189\\) for assistance.\n\n\n\nDay of the Week\n\n\n\nFull Access\n\n\n\nLimited Access[^2]\n\n\n\n**All Times Eastern**\n\n\n\nMonday through Friday\n\n\n\n9:00 AM – 6:00 PM\n\n\n\n6:00 PM – 9:00 AM\n\n\n\nSaturday & Sunday\n\n\n\n \n\n\n\nAll Day\n\n\n\nNew Year's Day\n\n Martin Luther King Jr. Day\n\n President's Day\n\n Memorial Day\n\n Juneteenth\n\n Independence Day\n\n Labor Day\n\n Thanksgiving Day\n\n Christmas Day.\n\n\n\n \n\n\n\nAll Day\n\n\n**Parent topic:**SES Examinations and Investigations Res",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\exam_inv\\topics\\c_company_1stExam_jobAid-1.md",
      "relative_path": "maps\\SES\\chapter\\exam_inv\\topics\\c_company_1stExam_jobAid-1.md",
      "headings": [
        "Job Aid: Your First Examination in SES {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7fdd .concept}",
        "1. Agency Communicates with Company {#section_rtk_t3c_rtb .section}",
        "2. Agency Initiates SES Company Enrollment {#section_ujs_bjc_rtb .section}",
        "3. Company Completes SES Company Enrollment {#section_lnt_gjc_rtb .section}",
        "4. SES Supervisory Activity Contact Assigns the Company Lead {#section_dpc_bkc_rtb .section}",
        "5. Company Lead Responds to Information Request \\(IR\\) {#section_x1z_dmc_rtb .section}",
        "6. Company Lead Responds to Loan Request \\(if applicable\\) {#section_abl_1nc_rtb .section}",
        "7. Company Lead Responds to Report \\(if required/allowed by agency\\) {#section_hv2_rnc_rtb .section}",
        "8. Company Lead Responds to Matters Requiring Attention \\(if applicable\\) {#section_slb_fpc_rtb .section}",
        "SES Company Resources {#section_kdn_mxc_rtb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/exam_inv/topics/c_company_1stExam_jobAid-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/exam_inv/topics/c_company_1stExam_jobAid-1.md:chunk-4",
      "title": "Job Aid: Your First Examination in SES {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7fdd .concept}",
      "content": "King Jr. Day\n\n President's Day\n\n Memorial Day\n\n Juneteenth\n\n Independence Day\n\n Labor Day\n\n Thanksgiving Day\n\n Christmas Day.\n\n\n\n \n\n\n\nAll Day\n\n\n**Parent topic:**SES Examinations and Investigations Resources for Companies\n\n[^1]: For documents uploaded to the Interactions tab, the maximum file size is 25 MB.\n[^2]: During periods of Limited Availability, the System will be operational, but availability may not be guaranteed. The system may experience periods of planned or emergency maintenance.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\exam_inv\\topics\\c_company_1stExam_jobAid-1.md",
      "relative_path": "maps\\SES\\chapter\\exam_inv\\topics\\c_company_1stExam_jobAid-1.md",
      "headings": [
        "Job Aid: Your First Examination in SES {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7fdd .concept}",
        "1. Agency Communicates with Company {#section_rtk_t3c_rtb .section}",
        "2. Agency Initiates SES Company Enrollment {#section_ujs_bjc_rtb .section}",
        "3. Company Completes SES Company Enrollment {#section_lnt_gjc_rtb .section}",
        "4. SES Supervisory Activity Contact Assigns the Company Lead {#section_dpc_bkc_rtb .section}",
        "5. Company Lead Responds to Information Request \\(IR\\) {#section_x1z_dmc_rtb .section}",
        "6. Company Lead Responds to Loan Request \\(if applicable\\) {#section_abl_1nc_rtb .section}",
        "7. Company Lead Responds to Report \\(if required/allowed by agency\\) {#section_hv2_rnc_rtb .section}",
        "8. Company Lead Responds to Matters Requiring Attention \\(if applicable\\) {#section_slb_fpc_rtb .section}",
        "SES Company Resources {#section_kdn_mxc_rtb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/exam_inv/topics/c_company_1stExam_jobAid-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/exam_inv/topics/c_company_1stExam_jobAid.md:chunk-0",
      "title": "Job Aid: Your First Examination in SES {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7fdd .concept}",
      "content": "# Job Aid: Your First Examination in SES \n\nThis job aid serves as a guide for company users to complete the setup process for their company \\(i.e., company enrollment\\) and respond to an exam in the State Examination System \\(SES\\).\n\nIt highlights the basic workflow for completing an exam in SES and points out important information along the way. Since the workflow in SES is not specific to any industry or business type, this job aid is relevant for any exam worked in SES.\n\n## 1. Agency Communicates with Company \n\nAs each new state agency comes onto SES, they will likely communicate with their regulated industries about their intent to use SES to conduct supervisory activities, including exams and investigations.\n\n**Remember:** Your company may receive notifications from multiple state agencies regarding their anticipated use of SES. If the notifications looked similar, it’s because CSBS has provided agencies with communication templates to assist with their transition to SES.\n\n## 2. Agency Initiates SES Company Enrollment \n\nThe SES company enrollment process requires the agency to enroll the first user of the company as they likely know who is best suited to handle the exam on behalf of the company.\n\n**Tip:** SES displays the NMLS Contact Person and the NMLS Complaints Contact if provided by the company in NMLS. To help ensure the right individuals are identified as the appropriate company contacts by the agency, it is recommended that you make sure your contacts in NMLS are correct and regularly updated as needed.\n\n## 3. Company Completes SES Company Enrollment \n\nAfter the agency enrolls the appropriate individual, the company user is notified via email. The notification provides the steps the company user must take to access the system.\n\nWatch the Company Enrollment video \\(6:30 mins\\) to learn more, including:\n\n-   How agencies initiate enrollment;\n-   How to ensure your information is captured in SES if your company is not regulated on NMLS;\n-   Information abo",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\exam_inv\\topics\\c_company_1stExam_jobAid.md",
      "relative_path": "maps\\SES\\chapter\\exam_inv\\topics\\c_company_1stExam_jobAid.md",
      "headings": [
        "Job Aid: Your First Examination in SES {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7fdd .concept}",
        "1. Agency Communicates with Company {#section_rtk_t3c_rtb .section}",
        "2. Agency Initiates SES Company Enrollment {#section_ujs_bjc_rtb .section}",
        "3. Company Completes SES Company Enrollment {#section_lnt_gjc_rtb .section}",
        "4. SES Supervisory Activity Contact Assigns the Company Lead {#section_dpc_bkc_rtb .section}",
        "5. Company Lead Responds to Information Request \\(IR\\) {#section_x1z_dmc_rtb .section}",
        "6. Company Lead Responds to Loan Request \\(if applicable\\) {#section_abl_1nc_rtb .section}",
        "7. Company Lead Responds to Report \\(if required/allowed by agency\\) {#section_hv2_rnc_rtb .section}",
        "8. Company Lead Responds to Matters Requiring Attention \\(if applicable\\) {#section_slb_fpc_rtb .section}",
        "SES Company Resources {#section_kdn_mxc_rtb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/exam_inv/topics/c_company_1stExam_jobAid.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/exam_inv/topics/c_company_1stExam_jobAid.md:chunk-1",
      "title": "Job Aid: Your First Examination in SES {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7fdd .concept}",
      "content": "video \\(6:30 mins\\) to learn more, including:\n\n-   How agencies initiate enrollment;\n-   How to ensure your information is captured in SES if your company is not regulated on NMLS;\n-   Information about Okta and how to set up your multi-factor authentication tool;\n-   A guided demonstration of all system pages completed during the enrollment process;\n-   Information on account management, including assigning contacts, user account creation, and roles;\n-   And, outstanding tasks – what to look for once you’ve completed enrollment!\n\n## 4. SES Supervisory Activity Contact Assigns the Company Lead \n\nThe SES Supervisory Activity Contact is responsible for assigning a Company Lead for each exam received in SES. In turn, the Company Lead oversees the exam and is responsible for responding to the agency using SES. If the Company Lead would like assistance with the exam, they may add additional participants to the supervisory activity in the Contributor, Coordinator and Third-Party User roles. Consult the video about user roles in SES Company User Roles Matrix for more information about the different supervisory activity roles.\n\n## 5. Company Lead Responds to Information Request \\(IR\\) \n\nAlthough participants can assist with drafting IR responses, only the Company Lead can submit the responses to the agency. Responses can be saved in draft and can also be marked for restricted access to limit who from the company can view the response. Once the response has been sent, your job is done until you receive an update from SES. The agency is automatically notified of the submission and the status is updated to ‘Sent’ in SES.\n\nIn SES, responses can be sent via:\n\n-   On-screen text\n    -   4,000 characters limit\n-   Document upload\n\n    Please note the following restrictions with regard to file uploads in SES. It is recommended to use a ZIP folder or File Sharing Links when uploading large files or more than 25 files at a time.\n\n    -   **File formats supported**: SES will accept al",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\exam_inv\\topics\\c_company_1stExam_jobAid.md",
      "relative_path": "maps\\SES\\chapter\\exam_inv\\topics\\c_company_1stExam_jobAid.md",
      "headings": [
        "Job Aid: Your First Examination in SES {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7fdd .concept}",
        "1. Agency Communicates with Company {#section_rtk_t3c_rtb .section}",
        "2. Agency Initiates SES Company Enrollment {#section_ujs_bjc_rtb .section}",
        "3. Company Completes SES Company Enrollment {#section_lnt_gjc_rtb .section}",
        "4. SES Supervisory Activity Contact Assigns the Company Lead {#section_dpc_bkc_rtb .section}",
        "5. Company Lead Responds to Information Request \\(IR\\) {#section_x1z_dmc_rtb .section}",
        "6. Company Lead Responds to Loan Request \\(if applicable\\) {#section_abl_1nc_rtb .section}",
        "7. Company Lead Responds to Report \\(if required/allowed by agency\\) {#section_hv2_rnc_rtb .section}",
        "8. Company Lead Responds to Matters Requiring Attention \\(if applicable\\) {#section_slb_fpc_rtb .section}",
        "SES Company Resources {#section_kdn_mxc_rtb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/exam_inv/topics/c_company_1stExam_jobAid.html",
      "snippet": null
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    {
      "id": "maps/SES/chapter/exam_inv/topics/c_company_1stExam_jobAid.md:chunk-2",
      "title": "Job Aid: Your First Examination in SES {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7fdd .concept}",
      "content": " to file uploads in SES. It is recommended to use a ZIP folder or File Sharing Links when uploading large files or more than 25 files at a time.\n\n    -   **File formats supported**: SES will accept all file formats, but the following commonly supported file types are recommended: PDF, Word®, Excel®, CSV, ZIP\n    -   **Max file size**: 1 GB\n    -   **For files larger than 1 GB[^1]:**\n        -   Use ZIP compression to reduce file to less than 1 GB[^1]\n        -   Split the file into multiple smaller files\n        -   Use File Sharing Links.\n    -   **Max no. characters per file name:** 200\n    -   **Max no. files per upload**: 25, for uploads larger than 25 total files:\n        1.  Upload first 25.\n        2.  Select the **Save Draft** option in Available Next Actions then click the **Save Draft** button.\n\n            **Note:** You may need to refresh the screen to see that the files have uploaded to the system.\n\n        3.  Return to the response screen to upload the next 25 files and repeat.\n    -   **Total no. files**: unlimited\n-   External file sharing link\n    -   For files that exceed 1GB\n\nIf additional information is needed, the agency can send the response back to the company for updates or create a new IR for your company to respond to in SES. Also, if you have a very large file to share, consider using an external file sharing link to share files in SES.\n\n## 6. Company Lead Responds to Loan Request \\(if applicable\\) \n\nSimilar to the IR process, mortgage or consumer finance industries may also receive requests for loan files in SES. A Company Lead can assign loan requests to Contributors, in bulk or individually by loan file, to draft responses if desired. Once the responses are complete, the exam participants can then return to SES and send them to the agency. And, just like IRs, only the Company Lead can send the responses to the agency.\n\n## 7. Company Lead Responds to Report \\(if required/allowed by agency\\) \n\nThe company receives the report through the ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\exam_inv\\topics\\c_company_1stExam_jobAid.md",
      "relative_path": "maps\\SES\\chapter\\exam_inv\\topics\\c_company_1stExam_jobAid.md",
      "headings": [
        "Job Aid: Your First Examination in SES {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7fdd .concept}",
        "1. Agency Communicates with Company {#section_rtk_t3c_rtb .section}",
        "2. Agency Initiates SES Company Enrollment {#section_ujs_bjc_rtb .section}",
        "3. Company Completes SES Company Enrollment {#section_lnt_gjc_rtb .section}",
        "4. SES Supervisory Activity Contact Assigns the Company Lead {#section_dpc_bkc_rtb .section}",
        "5. Company Lead Responds to Information Request \\(IR\\) {#section_x1z_dmc_rtb .section}",
        "6. Company Lead Responds to Loan Request \\(if applicable\\) {#section_abl_1nc_rtb .section}",
        "7. Company Lead Responds to Report \\(if required/allowed by agency\\) {#section_hv2_rnc_rtb .section}",
        "8. Company Lead Responds to Matters Requiring Attention \\(if applicable\\) {#section_slb_fpc_rtb .section}",
        "SES Company Resources {#section_kdn_mxc_rtb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/exam_inv/topics/c_company_1stExam_jobAid.html",
      "snippet": null
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    {
      "id": "maps/SES/chapter/exam_inv/topics/c_company_1stExam_jobAid.md:chunk-3",
      "title": "Job Aid: Your First Examination in SES {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7fdd .concept}",
      "content": " And, just like IRs, only the Company Lead can send the responses to the agency.\n\n## 7. Company Lead Responds to Report \\(if required/allowed by agency\\) \n\nThe company receives the report through the system and is able to respond if required or allowed by the agency.\n\nIn SES, each agency determines the response settings by exam. See below for the available options and how they appear for the company in SES.\n\n## 8. Company Lead Responds to Matters Requiring Attention \\(if applicable\\) \n\nThe Company Lead is also responsible for responding to matters requiring attention \\(MRA\\), if sent by the agency at the conclusion of the exam. The MRA functionality in SES refers to the state agencies’ ability to track issues and concerns that the agency expects a company to address at the conclusion of an exam.\n\nSimilar to the IR process, by selecting **Restrict View**, only the Company Lead and the participant that drafted the response to the MRA can see the response and supporting documentation. Also, with the MRA feature, companies can send their MRA responses at any time, even after the exam has been closed.\n\nThat concludes the exam process in SES! For a general overview of SES, please watch the A Tour of SES video to get started. For more information about SES policies, such as the document and data retention policy, download the SES Policies guide.\n\n## SES Company Resources \n\nBe sure to check out the SES Quick Start Guide for Companies. If you have any additional questions, please contact the NMLS and SES Call Center by telephone \\(1-800-269-6189\\) for assistance.\n\n\n\nDay of the Week\n\n\n\nFull Access\n\n\n\nLimited Access[^2]\n\n\n\n**All Times Eastern**\n\n\n\nMonday through Friday\n\n\n\n9:00 AM – 6:00 PM\n\n\n\n6:00 PM – 9:00 AM\n\n\n\nSaturday & Sunday\n\n\n\n \n\n\n\nAll Day\n\n\n\nNew Year's Day\n\n Martin Luther King Jr. Day\n\n President's Day\n\n Memorial Day\n\n Juneteenth\n\n Independence Day\n\n Labor Day\n\n Thanksgiving Day\n\n Christmas Day.\n\n\n\n \n\n\n\nAll Day\n\n\n[^1]: For documents uploaded to the Interactions tab, th",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\exam_inv\\topics\\c_company_1stExam_jobAid.md",
      "relative_path": "maps\\SES\\chapter\\exam_inv\\topics\\c_company_1stExam_jobAid.md",
      "headings": [
        "Job Aid: Your First Examination in SES {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7fdd .concept}",
        "1. Agency Communicates with Company {#section_rtk_t3c_rtb .section}",
        "2. Agency Initiates SES Company Enrollment {#section_ujs_bjc_rtb .section}",
        "3. Company Completes SES Company Enrollment {#section_lnt_gjc_rtb .section}",
        "4. SES Supervisory Activity Contact Assigns the Company Lead {#section_dpc_bkc_rtb .section}",
        "5. Company Lead Responds to Information Request \\(IR\\) {#section_x1z_dmc_rtb .section}",
        "6. Company Lead Responds to Loan Request \\(if applicable\\) {#section_abl_1nc_rtb .section}",
        "7. Company Lead Responds to Report \\(if required/allowed by agency\\) {#section_hv2_rnc_rtb .section}",
        "8. Company Lead Responds to Matters Requiring Attention \\(if applicable\\) {#section_slb_fpc_rtb .section}",
        "SES Company Resources {#section_kdn_mxc_rtb .section}"
      ],
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      "title": "Job Aid: Your First Examination in SES {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7fdd .concept}",
      "content": "King Jr. Day\n\n President's Day\n\n Memorial Day\n\n Juneteenth\n\n Independence Day\n\n Labor Day\n\n Thanksgiving Day\n\n Christmas Day.\n\n\n\n \n\n\n\nAll Day\n\n\n[^1]: For documents uploaded to the Interactions tab, the maximum file size is 25 MB.\n[^2]: During periods of Limited Availability, the System will be operational, but availability may not be guaranteed. The system may experience periods of planned or emergency maintenance.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\exam_inv\\topics\\c_company_1stExam_jobAid.md",
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      "headings": [
        "Job Aid: Your First Examination in SES {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7fdd .concept}",
        "1. Agency Communicates with Company {#section_rtk_t3c_rtb .section}",
        "2. Agency Initiates SES Company Enrollment {#section_ujs_bjc_rtb .section}",
        "3. Company Completes SES Company Enrollment {#section_lnt_gjc_rtb .section}",
        "4. SES Supervisory Activity Contact Assigns the Company Lead {#section_dpc_bkc_rtb .section}",
        "5. Company Lead Responds to Information Request \\(IR\\) {#section_x1z_dmc_rtb .section}",
        "6. Company Lead Responds to Loan Request \\(if applicable\\) {#section_abl_1nc_rtb .section}",
        "7. Company Lead Responds to Report \\(if required/allowed by agency\\) {#section_hv2_rnc_rtb .section}",
        "8. Company Lead Responds to Matters Requiring Attention \\(if applicable\\) {#section_slb_fpc_rtb .section}",
        "SES Company Resources {#section_kdn_mxc_rtb .section}"
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      "title": "Job Aid: Conducting Your First Exam in SES {#c_jobAidConductingYourFirstExam_SES .concept}",
      "content": "# Job Aid: Conducting Your First Exam in SES \n\nThis job aid serves as a guide for new Examiner in Charge to conduct their first exam in the State Examination System. It highlights the basic workflow of an exam in SES and points out important information along the way.\n\n## Purpose \n\nSince the workflow in SES is not specific to any industry or business type, this job aid is relevant for any exam conducted in SES. This job aid is specific to the Examination Supervisory Activity type and should not be used to support an Investigation.\n\n## Typical exam workflow phases \n\n-   Phase 1: Preparation, Communication, and Setup\n-   Phase 2: Information Requests \\(IRs\\)\n-   Phase 3: Planning and Receiving IR Responses\n-   Phase 4: Conducting the Examination and Preparing the Report of Examination\n-   Phase 5: ROE Package Assembly and Transmission to Company\n-   Phase 6: Company Responses and Exam Close Out\n\n**Fastpath:** View the SES Milestones Prezi for a handy job-aid.\n\n## Basic Flow for Conducting an Exam in SES \n\n## Preparation, Communication, and Setup \n\nThese steps may be completed at any time. Most of the steps in this phase can be completed by any agency user, not just the Examiner in Charge. Your agency may limit the actions in this section to certain users by agency policy, however.\n\n## Information Requests \n\nThis phase is where the information requests list will be created, refined, and sent to the company. This is where the company’s SA contact will receive their first notification of this exam through SES.\n\n## Planning and Receiving IR Responses \n\nThis is a good time to complete the Examination Planning, if your agency uses that feature. The exam plan can be used to assign exam Participants Area for Review and prioritize the AFRs you chose to include. You can also use the exam plan to communicate risks that you want the exam team to focus on as they complete their AFRs.\n\nAs you are defining the plan, the company will begin responding to your information requests. You",
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      "headings": [
        "Job Aid: Conducting Your First Exam in SES {#c_jobAidConductingYourFirstExam_SES .concept}",
        "Purpose {#section_q1b_gxg_1rb .section}",
        "Typical exam workflow phases {#section_yyk_gxg_1rb .section}",
        "Basic Flow for Conducting an Exam in SES {#section_m1b_lxg_1rb .section}",
        "Preparation, Communication, and Setup {#section_gqf_lxg_1rb .section}",
        "Information Requests {#section_ng5_lxg_1rb .section}",
        "Planning and Receiving IR Responses {#section_r1g_mxg_1rb .section}",
        "Conducting the Exam and Preparing the Report of Exam {#section_umt_mxg_1rb .section}",
        "ROE Package Assembly and Transmission to Company {#section_tmh_nxg_1rb .section}",
        "Company Response and Exam Close Out {#section_clb_4xg_1rb .section}",
        "Additional Resources {#section_tyt_pxg_1rb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/exam_inv/topics/c_jobAidConductingYourFirstExam_SES-1.html",
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      "id": "maps/SES/chapter/exam_inv/topics/c_jobAidConductingYourFirstExam_SES-1.md:chunk-1",
      "title": "Job Aid: Conducting Your First Exam in SES {#c_jobAidConductingYourFirstExam_SES .concept}",
      "content": "e exam plan to communicate risks that you want the exam team to focus on as they complete their AFRs.\n\nAs you are defining the plan, the company will begin responding to your information requests. You can monitor the IR completion process by viewing the Information Request tab at any time.\n\nIf your exam is a mortgage, consumer finance, or other lending industry exam, you may wish to use the Loan Requests tab to make loan requests.\n\n**Note:** The **New Hampshire** release tutorial demonstrates how to use the loan request functionality.\n\n## Conducting the Exam and Preparing the Report of Exam \n\nThis phase is where most of the work you typically consider “examination work” will take place. Before you can begin working procedures in SES, you must move the exam to the In-Flight Milestone. Choose the **Move to In-Flight** button from the exam summary page.\n\n## ROE Package Assembly and Transmission to Company \n\nIn this phase, the EIC assigns a person to be the Package Assembler, a role that can be handled by any Staff Director or User, staff user, or the Examiner in Charge.\n\n## Company Response and Exam Close Out \n\nWhile awaiting a company’s response to the Report of Examination \\(if permitted\\), the EIC can move forward and complete the exam close-out information. If Matters Requiring Attention were assigned to the company, the exam record can be closed before MRA responses are received.\n\n## Additional Resources \n\nThis job aid is not intended to explain every action available in SES. There are many more features and options available to streamline and improve the exam experience for your exam team and companies. For more information about these features or to view recent event recordings where these features were demonstrated, check out the resources at https://portal.stateexaminationsystem.org\n\nFeedback suggestions may be sent to SESfeedback@csbs.org\n\nFor more information or support, contact the Regulatory Users Group \\(RUG\\) of the NMLS Call Center at the phone number o",
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        "Purpose {#section_q1b_gxg_1rb .section}",
        "Typical exam workflow phases {#section_yyk_gxg_1rb .section}",
        "Basic Flow for Conducting an Exam in SES {#section_m1b_lxg_1rb .section}",
        "Preparation, Communication, and Setup {#section_gqf_lxg_1rb .section}",
        "Information Requests {#section_ng5_lxg_1rb .section}",
        "Planning and Receiving IR Responses {#section_r1g_mxg_1rb .section}",
        "Conducting the Exam and Preparing the Report of Exam {#section_umt_mxg_1rb .section}",
        "ROE Package Assembly and Transmission to Company {#section_tmh_nxg_1rb .section}",
        "Company Response and Exam Close Out {#section_clb_4xg_1rb .section}",
        "Additional Resources {#section_tyt_pxg_1rb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/exam_inv/topics/c_jobAidConductingYourFirstExam_SES-1.html",
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      "id": "maps/SES/chapter/exam_inv/topics/c_jobAidConductingYourFirstExam_SES-1.md:chunk-2",
      "title": "Job Aid: Conducting Your First Exam in SES {#c_jobAidConductingYourFirstExam_SES .concept}",
      "content": "aminationsystem.org\n\nFeedback suggestions may be sent to SESfeedback@csbs.org\n\nFor more information or support, contact the Regulatory Users Group \\(RUG\\) of the NMLS Call Center at the phone number or email provided on our secure portal. Secure Portal \\(requires agency login\\).\n\n**Parent topic:**SES Examinations and Investigations Resources for Agencies\n\n**Related information**  \n\nManaging Supervisory Activities\n\nConducting a Supervisory Activity\n\nNetworked Supervision",
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        "Job Aid: Conducting Your First Exam in SES {#c_jobAidConductingYourFirstExam_SES .concept}",
        "Purpose {#section_q1b_gxg_1rb .section}",
        "Typical exam workflow phases {#section_yyk_gxg_1rb .section}",
        "Basic Flow for Conducting an Exam in SES {#section_m1b_lxg_1rb .section}",
        "Preparation, Communication, and Setup {#section_gqf_lxg_1rb .section}",
        "Information Requests {#section_ng5_lxg_1rb .section}",
        "Planning and Receiving IR Responses {#section_r1g_mxg_1rb .section}",
        "Conducting the Exam and Preparing the Report of Exam {#section_umt_mxg_1rb .section}",
        "ROE Package Assembly and Transmission to Company {#section_tmh_nxg_1rb .section}",
        "Company Response and Exam Close Out {#section_clb_4xg_1rb .section}",
        "Additional Resources {#section_tyt_pxg_1rb .section}"
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      "id": "maps/SES/chapter/exam_inv/topics/c_jobAidConductingYourFirstExam_SES.md:chunk-0",
      "title": "Job Aid: Conducting Your First Exam in SES {#c_jobAidConductingYourFirstExam_SES .concept}",
      "content": "# Job Aid: Conducting Your First Exam in SES \n\nThis job aid serves as a guide for new Examiner in Charge to conduct their first exam in the State Examination System. It highlights the basic workflow of an exam in SES and points out important information along the way.\n\n## Purpose \n\nSince the workflow in SES is not specific to any industry or business type, this job aid is relevant for any exam conducted in SES. This job aid is specific to the Examination Supervisory Activity type and should not be used to support an Investigation.\n\n## Typical exam workflow phases \n\n-   Phase 1: Preparation, Communication, and Setup\n-   Phase 2: Information Requests \\(IRs\\)\n-   Phase 3: Planning and Receiving IR Responses\n-   Phase 4: Conducting the Examination and Preparing the Report of Examination\n-   Phase 5: ROE Package Assembly and Transmission to Company\n-   Phase 6: Company Responses and Exam Close Out\n\n**Fastpath:** View the SES Milestones Prezi for a handy job-aid.\n\n## Basic Flow for Conducting an Exam in SES \n\n## Preparation, Communication, and Setup \n\nThese steps may be completed at any time. Most of the steps in this phase can be completed by any agency user, not just the Examiner in Charge. Your agency may limit the actions in this section to certain users by agency policy, however.\n\n## Information Requests \n\nThis phase is where the information requests list will be created, refined, and sent to the company. This is where the company’s SA contact will receive their first notification of this exam through SES.\n\n## Planning and Receiving IR Responses \n\nThis is a good time to complete the Examination Planning, if your agency uses that feature. The exam plan can be used to assign exam Participants Area for Review and prioritize the AFRs you chose to include. You can also use the exam plan to communicate risks that you want the exam team to focus on as they complete their AFRs.\n\nAs you are defining the plan, the company will begin responding to your information requests. You",
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        "Purpose {#section_q1b_gxg_1rb .section}",
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        "Basic Flow for Conducting an Exam in SES {#section_m1b_lxg_1rb .section}",
        "Preparation, Communication, and Setup {#section_gqf_lxg_1rb .section}",
        "Information Requests {#section_ng5_lxg_1rb .section}",
        "Planning and Receiving IR Responses {#section_r1g_mxg_1rb .section}",
        "Conducting the Exam and Preparing the Report of Exam {#section_umt_mxg_1rb .section}",
        "ROE Package Assembly and Transmission to Company {#section_tmh_nxg_1rb .section}",
        "Company Response and Exam Close Out {#section_clb_4xg_1rb .section}",
        "Additional Resources {#section_tyt_pxg_1rb .section}"
      ],
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      "id": "maps/SES/chapter/exam_inv/topics/c_jobAidConductingYourFirstExam_SES.md:chunk-1",
      "title": "Job Aid: Conducting Your First Exam in SES {#c_jobAidConductingYourFirstExam_SES .concept}",
      "content": "e exam plan to communicate risks that you want the exam team to focus on as they complete their AFRs.\n\nAs you are defining the plan, the company will begin responding to your information requests. You can monitor the IR completion process by viewing the Information Request tab at any time.\n\nIf your exam is a mortgage, consumer finance, or other lending industry exam, you may wish to use the Loan Requests tab to make loan requests.\n\n**Note:** The **New Hampshire** release tutorial demonstrates how to use the loan request functionality.\n\n## Conducting the Exam and Preparing the Report of Exam \n\nThis phase is where most of the work you typically consider “examination work” will take place. Before you can begin working procedures in SES, you must move the exam to the In-Flight Milestone. Choose the **Move to In-Flight** button from the exam summary page.\n\n## ROE Package Assembly and Transmission to Company \n\nIn this phase, the EIC assigns a person to be the Package Assembler, a role that can be handled by any Staff Director or User, staff user, or the Examiner in Charge.\n\n## Company Response and Exam Close Out \n\nWhile awaiting a company’s response to the Report of Examination \\(if permitted\\), the EIC can move forward and complete the exam close-out information. If Matters Requiring Attention were assigned to the company, the exam record can be closed before MRA responses are received.\n\n## Additional Resources \n\nThis job aid is not intended to explain every action available in SES. There are many more features and options available to streamline and improve the exam experience for your exam team and companies. For more information about these features or to view recent event recordings where these features were demonstrated, check out the resources at https://portal.stateexaminationsystem.org\n\nFeedback suggestions may be sent to SESfeedback@csbs.org\n\nFor more information or support, contact the Regulatory Users Group \\(RUG\\) of the NMLS Call Center at the phone number o",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\exam_inv\\topics\\c_jobAidConductingYourFirstExam_SES.md",
      "relative_path": "maps\\SES\\chapter\\exam_inv\\topics\\c_jobAidConductingYourFirstExam_SES.md",
      "headings": [
        "Job Aid: Conducting Your First Exam in SES {#c_jobAidConductingYourFirstExam_SES .concept}",
        "Purpose {#section_q1b_gxg_1rb .section}",
        "Typical exam workflow phases {#section_yyk_gxg_1rb .section}",
        "Basic Flow for Conducting an Exam in SES {#section_m1b_lxg_1rb .section}",
        "Preparation, Communication, and Setup {#section_gqf_lxg_1rb .section}",
        "Information Requests {#section_ng5_lxg_1rb .section}",
        "Planning and Receiving IR Responses {#section_r1g_mxg_1rb .section}",
        "Conducting the Exam and Preparing the Report of Exam {#section_umt_mxg_1rb .section}",
        "ROE Package Assembly and Transmission to Company {#section_tmh_nxg_1rb .section}",
        "Company Response and Exam Close Out {#section_clb_4xg_1rb .section}",
        "Additional Resources {#section_tyt_pxg_1rb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/exam_inv/topics/c_jobAidConductingYourFirstExam_SES.html",
      "snippet": null
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    {
      "id": "maps/SES/chapter/exam_inv/topics/c_jobAidConductingYourFirstExam_SES.md:chunk-2",
      "title": "Job Aid: Conducting Your First Exam in SES {#c_jobAidConductingYourFirstExam_SES .concept}",
      "content": "aminationsystem.org\n\nFeedback suggestions may be sent to SESfeedback@csbs.org\n\nFor more information or support, contact the Regulatory Users Group \\(RUG\\) of the NMLS Call Center at the phone number or email provided on our secure portal. Secure Portal \\(requires agency login\\).",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\exam_inv\\topics\\c_jobAidConductingYourFirstExam_SES.md",
      "relative_path": "maps\\SES\\chapter\\exam_inv\\topics\\c_jobAidConductingYourFirstExam_SES.md",
      "headings": [
        "Job Aid: Conducting Your First Exam in SES {#c_jobAidConductingYourFirstExam_SES .concept}",
        "Purpose {#section_q1b_gxg_1rb .section}",
        "Typical exam workflow phases {#section_yyk_gxg_1rb .section}",
        "Basic Flow for Conducting an Exam in SES {#section_m1b_lxg_1rb .section}",
        "Preparation, Communication, and Setup {#section_gqf_lxg_1rb .section}",
        "Information Requests {#section_ng5_lxg_1rb .section}",
        "Planning and Receiving IR Responses {#section_r1g_mxg_1rb .section}",
        "Conducting the Exam and Preparing the Report of Exam {#section_umt_mxg_1rb .section}",
        "ROE Package Assembly and Transmission to Company {#section_tmh_nxg_1rb .section}",
        "Company Response and Exam Close Out {#section_clb_4xg_1rb .section}",
        "Additional Resources {#section_tyt_pxg_1rb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/exam_inv/topics/c_jobAidConductingYourFirstExam_SES.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/exam_inv/topics/t_agency_assocAddIRs_to_IR_response.md:chunk-0",
      "title": "Associating Additional IR responses to an IR Response {#t_agency_assocAddIRs_to_IR_response .task}",
      "content": "# Associating Additional IR responses to an IR Response \n\nIf you find that an Information Requests response from another Area for Review addresses an Information Requests within the Area for Review you are currently in, you can use the **Associate Additional Information Request** feature to link the two Information Requests responses.\n\n1.  Click **Associate Additional Information Requests**.\n\n    \n\n    **Note:** The only IRs that appear in the list are those that have been responded to from within another Area for Review. If there are no IRs to select, this means that the company has not yet responded to the IRs.\n\n2.  Select the **IRs to be added to this AFR** by clicking the desired rows.\n\n3.  Click **Associate Information Requests**.\n\n    \n\n**Parent topic:**Conducting the Exam: Reviewing Information Request Responses",
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      "relative_path": "maps\\SES\\chapter\\exam_inv\\topics\\t_agency_assocAddIRs_to_IR_response.md",
      "headings": [
        "Associating Additional IR responses to an IR Response {#t_agency_assocAddIRs_to_IR_response .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/exam_inv/topics/t_agency_assocAddIRs_to_IR_response.html",
      "snippet": null
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    {
      "id": "maps/SES/chapter/exam_inv/topics/t_agency_associateIRtoProcedure-1.md:chunk-0",
      "title": "Associating Information Requests to Procedures {#xd_e43ac86fb30b15b2--45250d66-186fa38e684--7ffa .task}",
      "content": "# Associating Information Requests to Procedures \n\nHow to associate information requests \\(IRs\\) to procedures in a supervisory activity.\n\nFollow the steps in Procedures to get to the Work Procedure screen.\n\nSince procedures rely on information or documents provided in response to IRs, SES allows all active participants on a supervisory activity to associate IRs to procedures so that you can see relevant IR responses when working a procedure.\n\n**Note:** IRs are typically associated to procedures in the SES Library prior to starting an SA. Staff directors or staff users can associate IRs to procedures for your agency's IRs in the SES Library, and CSBS support staff have also associated IRs to procedures for work programs like the SES Work Programs. See Adding a Procedure to the Library for more information.\n\nThe steps in this procedure are intended to be done during an SA if the IRs associated to procedures in the SES Library are incomplete or insufficient.\n\nBoth the IRs and procedures must:\n\n-   Have at least one business activity in common\n-   Have at least one scope type in common\n-   Either be core or non-core\n\n    **Note:** SES permits the association of core procedures or information requests to non-core procedures or information requests.\n\n1.  Search for and select the **SA ID** you would like to access.\n\n    \n\n    \n\n2.  Click **Examination**.\n\n    \n\n3.  Click **Procedures** tab.\n\n    \n\n    **Note:** Use **Review Mode** to limit the number of columns that are displayed. This mode can help you identify procedures that have observations or attachments associated with them.\n\n    \n\n4.  Scroll down to the Procedures section, click the **Action** menu for the desired procedure, and select **Work Procedure**.\n\n    \n\n5.  Click **Associate Information Requests**.\n\n    \n\n    **Note:** If there are IRs already associated with the procedure, they can be removed from this screen by clicking the red \"X\" icon.\n\n    \n\n6.  To associate IRs to a Procedure from a different Area ",
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      "relative_path": "maps\\SES\\chapter\\exam_inv\\topics\\t_agency_associateIRtoProcedure-1.md",
      "headings": [
        "Associating Information Requests to Procedures {#xd_e43ac86fb30b15b2--45250d66-186fa38e684--7ffa .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/exam_inv/topics/t_agency_associateIRtoProcedure-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/exam_inv/topics/t_agency_associateIRtoProcedure-1.md:chunk-1",
      "title": "Associating Information Requests to Procedures {#xd_e43ac86fb30b15b2--45250d66-186fa38e684--7ffa .task}",
      "content": "  **Note:** If there are IRs already associated with the procedure, they can be removed from this screen by clicking the red \"X\" icon.\n\n    \n\n6.  To associate IRs to a Procedure from a different Area For Review:\n\n    1.  Scroll to the Associate Information Requests section, and choose an **Area for Review**.\n\n        \n\n    2.  Click **Search**.\n\n7.  Select the desired information request\\(s\\) to associate with the procedure.\n\n8.  Click **Save IR Associations**.\n\n9.  **Upload** one or more documents.\n\n10. Click **Save Work**.\n\nThe associated IR and any company responses now appear in the details of a procedure when working it.\n\nWhen viewing the details of an IR, the procedures to which it is associated are also displayed on the Information Requests tab.\n\n**Note:** You cannot work the associated procedure from the Information Requests tab. You must go to the Examination tab to work the procedure. See Procedures for more information.\n\n**Parent topic:**Procedures",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\exam_inv\\topics\\t_agency_associateIRtoProcedure-1.md",
      "relative_path": "maps\\SES\\chapter\\exam_inv\\topics\\t_agency_associateIRtoProcedure-1.md",
      "headings": [
        "Associating Information Requests to Procedures {#xd_e43ac86fb30b15b2--45250d66-186fa38e684--7ffa .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/exam_inv/topics/t_agency_associateIRtoProcedure-1.html",
      "snippet": null
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    {
      "id": "maps/SES/chapter/exam_inv/topics/t_agency_associateIRtoProcedure.md:chunk-0",
      "title": "Associating Information Requests to Procedures {#xd_e43ac86fb30b15b2--45250d66-186fa38e684--7ffa .task}",
      "content": "# Associating Information Requests to Procedures \n\nHow to associate information requests \\(IRs\\) to procedures in a supervisory activity.\n\nFollow the steps in Procedures to get to the Work Procedure screen.\n\nSince procedures rely on information or documents provided in response to IRs, SES allows all active participants on a supervisory activity to associate IRs to procedures so that you can see relevant IR responses when working a procedure.\n\n**Note:** IRs are typically associated to procedures in the SES Library prior to starting an SA. Staff directors or staff users can associate IRs to procedures for your agency's IRs in the SES Library, and CSBS support staff have also associated IRs to procedures for work programs like the SES Work Programs. See Adding a Procedure to the Library for more information.\n\nThe steps in this procedure are intended to be done during an SA if the IRs associated to procedures in the SES Library are incomplete or insufficient.\n\nBoth the IRs and procedures must:\n\n-   Have at least one business activity in common\n-   Have at least one scope type in common\n-   Either be core or non-core\n\n    **Note:** SES permits the association of core procedures or information requests to non-core procedures or information requests.\n\n1.  Search for and select the **SA ID** you would like to access.\n\n    \n\n    \n\n2.  Click **Examination**.\n\n    \n\n3.  Click **Procedures** tab.\n\n    \n\n    **Note:** Use **Review Mode** to limit the number of columns that are displayed. This mode can help you identify procedures that have observations or attachments associated with them.\n\n    \n\n4.  Scroll down to the Procedures section, click the **Action** menu for the desired procedure, and select **Work Procedure**.\n\n    \n\n5.  Click **Associate Information Requests**.\n\n    \n\n    **Note:** If there are IRs already associated with the procedure, they can be removed from this screen by clicking the red \"X\" icon.\n\n    \n\n6.  To associate IRs to a Procedure from a different Area ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\exam_inv\\topics\\t_agency_associateIRtoProcedure.md",
      "relative_path": "maps\\SES\\chapter\\exam_inv\\topics\\t_agency_associateIRtoProcedure.md",
      "headings": [
        "Associating Information Requests to Procedures {#xd_e43ac86fb30b15b2--45250d66-186fa38e684--7ffa .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/exam_inv/topics/t_agency_associateIRtoProcedure.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/exam_inv/topics/t_agency_associateIRtoProcedure.md:chunk-1",
      "title": "Associating Information Requests to Procedures {#xd_e43ac86fb30b15b2--45250d66-186fa38e684--7ffa .task}",
      "content": "  **Note:** If there are IRs already associated with the procedure, they can be removed from this screen by clicking the red \"X\" icon.\n\n    \n\n6.  To associate IRs to a Procedure from a different Area For Review:\n\n    1.  Scroll to the Associate Information Requests section, and choose an **Area for Review**.\n\n        \n\n    2.  Click **Search**.\n\n7.  Select the desired information request\\(s\\) to associate with the procedure.\n\n8.  Click **Save IR Associations**.\n\n9.  **Upload** one or more documents.\n\n10. Click **Save Work**.\n\nThe associated IR and any company responses now appear in the details of a procedure when working it.\n\nWhen viewing the details of an IR, the procedures to which it is associated are also displayed on the Information Requests tab.\n\n**Note:** You cannot work the associated procedure from the Information Requests tab. You must go to the Examination tab to work the procedure. See Procedures for more information.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\exam_inv\\topics\\t_agency_associateIRtoProcedure.md",
      "relative_path": "maps\\SES\\chapter\\exam_inv\\topics\\t_agency_associateIRtoProcedure.md",
      "headings": [
        "Associating Information Requests to Procedures {#xd_e43ac86fb30b15b2--45250d66-186fa38e684--7ffa .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/exam_inv/topics/t_agency_associateIRtoProcedure.html",
      "snippet": null
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    {
      "id": "maps/SES/chapter/exam_inv/topics/t_agency_bulkReassigningProcedures.md:chunk-0",
      "title": "Bulk Reassigning Procedures {#xd_1faeb854f7f52956-24abea30-190f9f1f5db--7ff8 .task}",
      "content": "# Bulk Reassigning Procedures \n\nProcedures can be reassigned in bulk to participants on an SA via the Plan or Examination tabs.\n\n**Note:** The EIC or AFR owners can bulk reassign procedures.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Examination**.\n\n    \n\n3.  Click **Bulk Assign Procedures**.\n\n    \n\n4.  Select the desired **Area for Review**.\n\n5.  Select **No** for Only show unassigned procedures?\n\n6.  Filter the list by the existing Assignee that you want to reassign.\n\n     ![Only show unassigned procedures selected \"No\" and \"Assignee\" column filter highlighted.]()\n\n7.  Select the desired **procedures** from the Procedures grid.\n\n    \n\n8.  Select the desired **assignees** at the bottom of the page.\n\n    -   All agencies \\(for multi-state SAs\\)\n    -   One or multiple agencies \\(for multi-state SAs\\)\n    -   One or more participants on an SA\n9.  Click **Assign Procedures**.\n\n    \n\n    **Note:** You also have the option to assign the selected procedures and stay on the page to select more.\n\n**Parent topic:**Assigning Procedures",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\exam_inv\\topics\\t_agency_bulkReassigningProcedures.md",
      "relative_path": "maps\\SES\\chapter\\exam_inv\\topics\\t_agency_bulkReassigningProcedures.md",
      "headings": [
        "Bulk Reassigning Procedures {#xd_1faeb854f7f52956-24abea30-190f9f1f5db--7ff8 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/exam_inv/topics/t_agency_bulkReassigningProcedures.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/exam_inv/topics/t_agency_bulkWorkProcedureObservations.md:chunk-0",
      "title": "Bulk Work Procedure Observations {#xd_1faeb854f7f52956-24abea30-190f9f1f5db--7ff5 .task}",
      "content": "# Bulk Work Procedure Observations \n\nHow to use the Bulk Work Procedure Observations functionality when working procedures in SES.\n\nUse the Bulk Work Procedure Observations functionality if you do not have documents or work paper notes and only need to add observations to procedures. You cannot upload documents, quick add findings, search IR responses, or associate information requests to procedures with this method.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Examination**.\n\n    \n\n3.  Click **Bulk Work Procedure Observations**.\n\n    \n\n4.  Select the desired method for bulk working procedure observations:\n\n    |Option|Description|\n    |------|-----------|\n    |**Area for Review**|Presents all procedures for the selected area for review.|\n    |**Work My Assigned Procedures**|Presents all procedures assigned to you.|\n\n    \n\n5.  Click **Next**.\n\n6.  Add procedure observations based on the selected area for review.\n\n    **Note:** Click the **Work Procedure**  icon to open the details of the procedure and take all possible related actions for it.\n\n7.  Click **Save Work**.\n\n**Parent topic:**Working Procedures",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\exam_inv\\topics\\t_agency_bulkWorkProcedureObservations.md",
      "relative_path": "maps\\SES\\chapter\\exam_inv\\topics\\t_agency_bulkWorkProcedureObservations.md",
      "headings": [
        "Bulk Work Procedure Observations {#xd_1faeb854f7f52956-24abea30-190f9f1f5db--7ff5 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/exam_inv/topics/t_agency_bulkWorkProcedureObservations.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/exam_inv/topics/t_agency_examConduct_AFRcomplete-1.md:chunk-0",
      "title": "Conducting the Exam: Marking an Area for Review \\(AFR\\) Complete {#t_agency_examConduct_AFRcomplete .task}",
      "content": "# Conducting the Exam: Marking an Area for Review \\(AFR\\) Complete \n\nConducting the exam consists of reviewing information request \\(IR\\) responses, working procedures, and adding or reviewing findings and finding commentary.\n\n**Note:** Any exam participant can mark an Area for Review complete.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Examination**.\n\n    \n\n3.  Click the desired **AFR** within the Review Summary quick filter.\n\n    \n\n4.  Click **Complete Area for Review**.\n\n    \n\n5.  Provide applicable documentation and upload applicable work papers.\n\n6.  Click **Complete Area for Review**.\n\n    \n\n7.  Click **Confirm**.\n\n    **Note:** Once the AFR is marked complete, the Review Summary quick filter displays who completed the review and when it was completed.\n\n    \n\n**Parent topic:**Conducting a Supervisory Activity\n\n**Previous topic:**Exporting Finding Commentary\n\n**Next topic:**Scheduling the Exit Meeting",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\exam_inv\\topics\\t_agency_examConduct_AFRcomplete-1.md",
      "relative_path": "maps\\SES\\chapter\\exam_inv\\topics\\t_agency_examConduct_AFRcomplete-1.md",
      "headings": [
        "Conducting the Exam: Marking an Area for Review \\(AFR\\) Complete {#t_agency_examConduct_AFRcomplete .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/exam_inv/topics/t_agency_examConduct_AFRcomplete-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/exam_inv/topics/t_agency_examConduct_AFRcomplete.md:chunk-0",
      "title": "Conducting the Exam: Marking an Area for Review \\(AFR\\) Complete {#t_agency_examConduct_AFRcomplete .task}",
      "content": "# Conducting the Exam: Marking an Area for Review \\(AFR\\) Complete \n\nConducting the exam consists of reviewing information request \\(IR\\) responses, working procedures, and adding or reviewing findings and finding commentary.\n\n**Note:** Any exam participant can mark an Area for Review complete.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Examination**.\n\n    \n\n3.  Click the desired **AFR** within the Review Summary quick filter.\n\n    \n\n4.  Click **Complete Area for Review**.\n\n    \n\n5.  Provide applicable documentation and upload applicable work papers.\n\n6.  Click **Complete Area for Review**.\n\n    \n\n7.  Click **Confirm**.\n\n    **Note:** Once the AFR is marked complete, the Review Summary quick filter displays who completed the review and when it was completed.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\exam_inv\\topics\\t_agency_examConduct_AFRcomplete.md",
      "relative_path": "maps\\SES\\chapter\\exam_inv\\topics\\t_agency_examConduct_AFRcomplete.md",
      "headings": [
        "Conducting the Exam: Marking an Area for Review \\(AFR\\) Complete {#t_agency_examConduct_AFRcomplete .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/exam_inv/topics/t_agency_examConduct_AFRcomplete.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/exam_inv/topics/t_agency_examConduct_ExitMtg_close.md:chunk-0",
      "title": "Closing the Exit Meeting {#t_agency_examConduct_ExitMtg_close .task}",
      "content": "# Closing the Exit Meeting \n\nThe Examiner in Charge or a staff user can add comments and supporting documentation, then close the Exit Meeting.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Examination**.\n\n    \n\n3.  Click **Close Exit Meeting**.\n\n    \n\n4.  Enter exit meeting notes and upload any supporting documentation.\n\n    **Note:** The company can see the comments and documents you provide.\n\n5.  Click **Close Exit Meeting**.\n\n    \n\n**Parent topic:**Scheduling the Exit Meeting",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\exam_inv\\topics\\t_agency_examConduct_ExitMtg_close.md",
      "relative_path": "maps\\SES\\chapter\\exam_inv\\topics\\t_agency_examConduct_ExitMtg_close.md",
      "headings": [
        "Closing the Exit Meeting {#t_agency_examConduct_ExitMtg_close .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/exam_inv/topics/t_agency_examConduct_ExitMtg_close.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/exam_inv/topics/t_agency_examConduct_ExitMtg_sched.md:chunk-0",
      "title": "Scheduling the Exit Meeting {#t_agency_examConduct_ExitMtg_sched .task}",
      "content": "# Scheduling the Exit Meeting \n\nWhen you schedule the exit meeting, you can select any Findings in the Reviewed state to share with the company.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Examination**.\n\n    \n\n3.  Click **…** > **Schedule Exit Meeting**.\n\n    \n\n4.  Enter the **subject**, **date**, and **time** for the meeting.\n\n5.  Select the findings, if any, that you want to share with the company.\n\n    \n\n    **Note:** Only those findings in a Reviewed status are able to be shared with the company. Findings that are in an In Progress or Proposed status are available for review in the bottom list.\n\n6.  Enter any comments you may have, upload an agenda, and any supporting documentation.\n\n    **Note:** The company can see the **Finding ID**, **Area for Review \\(AFR\\)**, **Finding Type**, **Category**, **Description**, **Regulations and Statutes** for findings that are in a Reviewed status and associated with the exit meeting. The company will not be able to see finding commentary or documents. Only company users with a leader role in the system and coordinators can view exit meeting details. Contributors \\(i.e., support staff\\) cannot.\n\n7.  7. Click **Schedule Exit Meeting** in the bottom right.\n\n    \n\nA notification is sent to the company. All findings that are associated with the exit meeting are revealed to the company as well. If you have not previously communicated with the company about the supervisory activity \\(SA\\), this action triggers a task in SES for the company to assign a company lead for the SA.\n\n**Parent topic:**Scheduling the Exit Meeting\n\n**Related information**  \n\nReviewing Findings as EIC",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\exam_inv\\topics\\t_agency_examConduct_ExitMtg_sched.md",
      "relative_path": "maps\\SES\\chapter\\exam_inv\\topics\\t_agency_examConduct_ExitMtg_sched.md",
      "headings": [
        "Scheduling the Exit Meeting {#t_agency_examConduct_ExitMtg_sched .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/exam_inv/topics/t_agency_examConduct_ExitMtg_sched.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/exam_inv/topics/t_agency_examConduct_ExitMtg_update.md:chunk-0",
      "title": "Updating the Exit Meeting {#t_agency_examConduct_ExitMtg_update .task}",
      "content": "# Updating the Exit Meeting \n\nThe EIC can update all aspects of the exit meeting at any time. The company lead receives a notification when updates are made.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Examination**.\n\n    \n\n3.  Click **…** > **Update Exit Meeting**.\n\n    \n\n4.  Update the necessary information.\n\n**Parent topic:**Scheduling the Exit Meeting\n\n**Related information**  \n\nReviewing Findings as EIC",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\exam_inv\\topics\\t_agency_examConduct_ExitMtg_update.md",
      "relative_path": "maps\\SES\\chapter\\exam_inv\\topics\\t_agency_examConduct_ExitMtg_update.md",
      "headings": [
        "Updating the Exit Meeting {#t_agency_examConduct_ExitMtg_update .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/exam_inv/topics/t_agency_examConduct_ExitMtg_update.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/exam_inv/topics/t_agency_examConduct_Findings_LoanReqAssoc.md:chunk-0",
      "title": "Managing Loan Request Associations {#t_agency_examConduct_Findings_LoanReqAssoc .task}",
      "content": "# Managing Loan Request Associations \n\nAll examination participants can associate a finding to specific loan requests.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Examination**.\n\n    \n\n3.  Select the **Number of Findings** hyperlink for the desired Area for Review.\n\n    \n\n4.  Scroll down to the Findings section. Select the desired **Finding ID** hyperlink.\n\n    \n\n5.  Click **Manage LR Association**.\n\n    \n\n6.  Search for the relevant loan requests.\n\n7.  Select the desired loan requests from the grid.\n\n8.  Click **Confirm Associations**.\n\n    \n\nThe finding is now associated to specific loan requests and is displayed on the Finding Details page in the Associated Loan Requests section.\n\n**Parent topic:**Findings\n\n**Related information**  \n\nAdding Findings as EIC\n\nAdding Findings as an Examiner\n\nManaging Findings from the Findings Tab\n\nSharing Findings with the Company\n\nUpdating Findings as EIC\n\nUpdating Findings as an Examiner\n\nAdding Comments to a Finding\n\nManaging MRA Associations\n\nReviewing Findings as EIC\n\nDeleting Findings\n\nExporting Findings\n\nExporting Finding Commentary",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\exam_inv\\topics\\t_agency_examConduct_Findings_LoanReqAssoc.md",
      "relative_path": "maps\\SES\\chapter\\exam_inv\\topics\\t_agency_examConduct_Findings_LoanReqAssoc.md",
      "headings": [
        "Managing Loan Request Associations {#t_agency_examConduct_Findings_LoanReqAssoc .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/exam_inv/topics/t_agency_examConduct_Findings_LoanReqAssoc.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/exam_inv/topics/t_agency_examConduct_Findings_ManageMRA_assoc.md:chunk-0",
      "title": "Managing MRA Associations {#task_yrf_vxs_psb .task}",
      "content": "# Managing MRA Associations \n\nMatters Requiring Attention can be associated with Findings. You can add or remove MRA associations from specific findings.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Examination**.\n\n    \n\n3.  Select the **Number of Findings** hyperlink for the desired Area for Review.\n\n    \n\n4.  Scroll down to the Findings section. Select the desired **Finding ID** hyperlink.\n\n    \n\n5.  Click **Manage MRA Association**.\n\n    \n\n6.  Remove existing associated Matters Requiring Attention by clicking  in the grid.\n\n7.  Associate new Findings by selecting the desired rows in the grid.\n\n8.  Click **Confirm Associations**.\n\n    \n\n**Parent topic:**Findings\n\n**Related information**  \n\nAdding Findings as EIC\n\nAdding Findings as an Examiner\n\nManaging Findings from the Findings Tab\n\nSharing Findings with the Company\n\nUpdating Findings as EIC\n\nUpdating Findings as an Examiner\n\nAdding Comments to a Finding\n\nManaging Loan Request Associations\n\nReviewing Findings as EIC\n\nDeleting Findings\n\nExporting Findings\n\nExporting Finding Commentary",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\exam_inv\\topics\\t_agency_examConduct_Findings_ManageMRA_assoc.md",
      "relative_path": "maps\\SES\\chapter\\exam_inv\\topics\\t_agency_examConduct_Findings_ManageMRA_assoc.md",
      "headings": [
        "Managing MRA Associations {#task_yrf_vxs_psb .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/exam_inv/topics/t_agency_examConduct_Findings_ManageMRA_assoc.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/exam_inv/topics/t_agency_examConduct_Findings_delete.md:chunk-0",
      "title": "Deleting Findings {#t_agency_examConduct_Findings_delete .task}",
      "content": "# Deleting Findings \n\nThe Examiner in Charge, a staff user from the lead agency, and the creator of a finding can delete a finding in any status before a supervisory activity is closed and locked.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Examination**.\n\n    \n\n3.  Click the desired **AFR** within the Review Summary quick filter.\n\n    \n\n4.  Scroll down to the Findings section. Select the desired **Finding ID** hyperlink.\n\n    \n\n5.  Click **Delete Finding**.\n\n    \n\n6.  Click **Delete Finding** on the confirmation message.\n\n    **Note:** If the finding was already shared with the company previously, the company lead for the supervisory activity is notified that the finding was deleted.\n\nThe staff user from the lead agency receives a notification when the finding is deleted.\n\n**Parent topic:**Findings\n\n**Related information**  \n\nAdding Findings as EIC\n\nAdding Findings as an Examiner\n\nManaging Findings from the Findings Tab\n\nSharing Findings with the Company\n\nUpdating Findings as EIC\n\nUpdating Findings as an Examiner\n\nAdding Comments to a Finding\n\nManaging Loan Request Associations\n\nManaging MRA Associations\n\nReviewing Findings as EIC\n\nExporting Findings\n\nExporting Finding Commentary",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\exam_inv\\topics\\t_agency_examConduct_Findings_delete.md",
      "relative_path": "maps\\SES\\chapter\\exam_inv\\topics\\t_agency_examConduct_Findings_delete.md",
      "headings": [
        "Deleting Findings {#t_agency_examConduct_Findings_delete .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/exam_inv/topics/t_agency_examConduct_Findings_delete.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/exam_inv/topics/t_agency_examConduct_Findings_esport.md:chunk-0",
      "title": "Exporting Findings {#t_agency_examConduct_Findings_esport .task}",
      "content": "# Exporting Findings \n\nThe Examiner in Charge can export findings to an Excel® document.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Examination**.\n\n    \n\n3.  Click the **Findings** quick filter.\n\n    \n\n4.  Click **Export to Excel** at the bottom of the grid.\n\n    \n\n    The exported data is emailed to you as an attachment.\n\n**Parent topic:**Findings\n\n**Related information**  \n\nAdding Findings as EIC\n\nAdding Findings as an Examiner\n\nManaging Findings from the Findings Tab\n\nSharing Findings with the Company\n\nUpdating Findings as EIC\n\nUpdating Findings as an Examiner\n\nAdding Comments to a Finding\n\nManaging Loan Request Associations\n\nManaging MRA Associations\n\nReviewing Findings as EIC\n\nDeleting Findings\n\nExporting Finding Commentary",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\exam_inv\\topics\\t_agency_examConduct_Findings_esport.md",
      "relative_path": "maps\\SES\\chapter\\exam_inv\\topics\\t_agency_examConduct_Findings_esport.md",
      "headings": [
        "Exporting Findings {#t_agency_examConduct_Findings_esport .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/exam_inv/topics/t_agency_examConduct_Findings_esport.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/exam_inv/topics/t_agency_examConduct_Findings_review.md:chunk-0",
      "title": "Reviewing Findings as EIC {#t_agency_examConduct_Findings_review .task}",
      "content": "# Reviewing Findings as EIC \n\nYou must be signed in as the Examiner in Charge to mark findings as reviewed.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Examination**.\n\n    \n\n3.  Click the desired **AFR** within the Review Summary quick filter.\n\n    \n\n4.  Scroll down to the Findings section. Select the desired **Finding ID** hyperlink.\n\n    \n\n5.  Click **Review Finding** in the top right of the section.\n\n    \n\n    **Note:** If any participant saves the finding and does not propose it, the EIC sees the **Update Finding** option and can update the finding, if needed.\n\n    \n\n6.  Review the finding.\n\n7.  If the **Finding is Resolved**, select this option.\n\n    \n\n    The **Finding is Resolved** field in the Finding Commentary section of the Finding Details page changes to “Yes.”\n\n    \n\n8.  Select **Mark as Reviewed**.\n\n    \n\n9.  Click **Review Finding**.\n\n**Parent topic:**Findings\n\n**Related information**  \n\nAdding Findings as EIC\n\nAdding Findings as an Examiner\n\nManaging Findings from the Findings Tab\n\nSharing Findings with the Company\n\nUpdating Findings as EIC\n\nUpdating Findings as an Examiner\n\nAdding Comments to a Finding\n\nManaging Loan Request Associations\n\nManaging MRA Associations\n\nDeleting Findings\n\nExporting Findings\n\nExporting Finding Commentary\n\nScheduling the Exit Meeting\n\nUpdating the Exit Meeting",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\exam_inv\\topics\\t_agency_examConduct_Findings_review.md",
      "relative_path": "maps\\SES\\chapter\\exam_inv\\topics\\t_agency_examConduct_Findings_review.md",
      "headings": [
        "Reviewing Findings as EIC {#t_agency_examConduct_Findings_review .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/exam_inv/topics/t_agency_examConduct_Findings_review.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/exam_inv/topics/t_agency_examConduct_WorkProc_addProc-1.md:chunk-0",
      "title": "Adding Procedures {#t_agency_examConduct_WorkProc_addProc .task}",
      "content": "# Adding Procedures \n\nHow to add procedures to your supervisory activity.\n\nProcedures are managed in the SES Library. See Managing the Library for more information.\n\nFor single-state supervisory activities, only core standard procedures and your core state-specific procedures are added when the scope is marked complete. If you want to add non-core procedures, you can add them this way.\n\nFor multi-state supervisory activities, only core standard procedures are added. If you want to add your state-specific procedures, you can add them this way.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Examination**.\n\n    \n\n3.  Click **Add Procedure**.\n\n    \n\n4.  Select the desired **area for review** from the **Area for Review** drop-down menu.\n\n    \n\n5.  Click on the desired **Applicable Procedure\\(s\\)** > **Add Procedures**.\n\n    \n\n    **Note:** Standard and state-specific non-core procedures will appear for selection\n\nThe selected procedures appear under the Procedures section of the Examination page.\n\n**Parent topic:**Procedures",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\exam_inv\\topics\\t_agency_examConduct_WorkProc_addProc-1.md",
      "relative_path": "maps\\SES\\chapter\\exam_inv\\topics\\t_agency_examConduct_WorkProc_addProc-1.md",
      "headings": [
        "Adding Procedures {#t_agency_examConduct_WorkProc_addProc .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/exam_inv/topics/t_agency_examConduct_WorkProc_addProc-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/exam_inv/topics/t_agency_examConduct_WorkProc_addProc.md:chunk-0",
      "title": "Adding Procedures {#t_agency_examConduct_WorkProc_addProc .task}",
      "content": "# Adding Procedures \n\nHow to add procedures to your supervisory activity.\n\nProcedures are managed in the SES Library. See Managing the Library for more information.\n\nFor single-state supervisory activities, only core standard procedures and your core state-specific procedures are added when the scope is marked complete. If you want to add non-core procedures, you can add them this way.\n\nFor multi-state supervisory activities, only core standard procedures are added. If you want to add your state-specific procedures, you can add them this way.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Examination**.\n\n    \n\n3.  Click **Add Procedure**.\n\n    \n\n4.  Select the desired **area for review** from the **Area for Review** drop-down menu.\n\n    \n\n5.  Click on the desired **Applicable Procedure\\(s\\)** > **Add Procedures**.\n\n    \n\n    **Note:** Standard and state-specific non-core procedures will appear for selection\n\nThe selected procedures appear under the Procedures section of the Examination page.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\exam_inv\\topics\\t_agency_examConduct_WorkProc_addProc.md",
      "relative_path": "maps\\SES\\chapter\\exam_inv\\topics\\t_agency_examConduct_WorkProc_addProc.md",
      "headings": [
        "Adding Procedures {#t_agency_examConduct_WorkProc_addProc .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/exam_inv/topics/t_agency_examConduct_WorkProc_addProc.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/exam_inv/topics/t_agency_examConduct_WorkProc_bulkAssign.md:chunk-0",
      "title": "Bulk Assigning Procedures {#t_agency_examConduct_WorkProc_bulkAssign .task}",
      "content": "# Bulk Assigning Procedures \n\nProcedures can be assigned in bulk to participants on an SA via the Plan or Examination tabs.\n\n**Note:** The EIC or AFR owners can **Bulk Assign Procedures**.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Examination**.\n\n    \n\n3.  Click **Bulk Assign Procedures**.\n\n    \n\n4.  Select the desired **Area for Review**.\n\n5.  Select the desired **procedures** from the Procedures grid.\n\n    \n\n6.  Select the desired **assignees** at the bottom of the page.\n\n    -   All agencies \\(for multi-state SAs\\)\n    -   One or multiple agencies \\(for multi-state SAs\\)\n    -   One or more participants on an SA\n7.  Click **Assign Procedures**.\n\n    \n\n    **Note:** You also have the option to assign the selected procedures and stay on the page to select more.\n\n**Parent topic:**Assigning Procedures",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\exam_inv\\topics\\t_agency_examConduct_WorkProc_bulkAssign.md",
      "relative_path": "maps\\SES\\chapter\\exam_inv\\topics\\t_agency_examConduct_WorkProc_bulkAssign.md",
      "headings": [
        "Bulk Assigning Procedures {#t_agency_examConduct_WorkProc_bulkAssign .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/exam_inv/topics/t_agency_examConduct_WorkProc_bulkAssign.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/exam_inv/topics/t_agency_examConduct_WorkProc_remProc.md:chunk-0",
      "title": "Bulk Removing Procedures {#t_agency_examConduct_WorkProc_remProc .task}",
      "content": "# Bulk Removing Procedures \n\nYou can remove procedures from all AFRs from the landing page of the Examination tab.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Examination**.\n\n    \n\n3.  Click **Remove Procedures**.\n\n    \n\n4.  Click the **X** icon for the procedures you want to remove.\n\n    \n\n    **Note:** The  icon changes to a clock icon  indicating that it is pending removal\n\n5.  Click **Remove Procedures**.\n\n    \n\n6.  Click **Confirm**.\n\n**Parent topic:**Removing Procedures",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\exam_inv\\topics\\t_agency_examConduct_WorkProc_remProc.md",
      "relative_path": "maps\\SES\\chapter\\exam_inv\\topics\\t_agency_examConduct_WorkProc_remProc.md",
      "headings": [
        "Bulk Removing Procedures {#t_agency_examConduct_WorkProc_remProc .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/exam_inv/topics/t_agency_examConduct_WorkProc_remProc.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/exam_inv/topics/t_agency_examConduct_WorkProc_searchProc.md:chunk-0",
      "title": "Viewing Procedures {#t_agency_examConduct_WorkProc_searchProc .task}",
      "content": "# Viewing Procedures \n\nYou can filter the procedures associated with a supervisory activity by status, core or non-core, user assignment, or area for review.\n\nProcedures are managed in the SES Library. See Managing the Library for more information.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Examination**.\n\n    \n\n3.  Click **Procedures** tab.\n\n    \n\n    **Note:** Use **Review Mode** to limit the number of columns that are displayed. This mode can help you identify procedures that have observations or attachments associated with them.\n\n    \n\n4.  Click **Show Filters**.\n\n    \n\n5.  Select the desired **filters**.\n\n6.  Click **Search**.\n\n    \n\n    **Note:** You must click **Search**. Pressing the **Enter** key does not generate search results.\n\n    **Note:** The **Agency** filter is only available on multi-state exams.\n\n**Parent topic:**Procedures",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\exam_inv\\topics\\t_agency_examConduct_WorkProc_searchProc.md",
      "relative_path": "maps\\SES\\chapter\\exam_inv\\topics\\t_agency_examConduct_WorkProc_searchProc.md",
      "headings": [
        "Viewing Procedures {#t_agency_examConduct_WorkProc_searchProc .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/exam_inv/topics/t_agency_examConduct_WorkProc_searchProc.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/exam_inv/topics/t_agency_examConduct_assignProcedure.md:chunk-0",
      "title": "Assigning a Single Procedure {#xd_8f92f856f53beddb-2e30cde5-182e4df46e1--7ffb .task}",
      "content": "# Assigning a Single Procedure \n\nHow to assign a single procedure for an area for review \\(AFR\\).\n\nA procedure can be assigned by the area for review \\(AFR\\) owner or the examiner in charge \\(EIC\\).\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Examination**.\n\n    \n\n3.  Click the desired **AFR** within the Review Summary quick filter.\n\n    \n\n4.  Scroll down to the Procedures section.\n\n5.  Click the **Details** icon for the desired Procedure.\n\n    \n\n6.  Click **Assign Procedure**.\n\n    \n\n7.  Select the desired assignees.\n\n    -   All agencies \\(for multi-state SAs\\)\n    -   One or multiple agencies \\(for multi-state SAs\\)\n    -   One or more participants on an SA\n8.  Click **Assign Procedure**.\n\n**Parent topic:**Assigning Procedures",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\exam_inv\\topics\\t_agency_examConduct_assignProcedure.md",
      "relative_path": "maps\\SES\\chapter\\exam_inv\\topics\\t_agency_examConduct_assignProcedure.md",
      "headings": [
        "Assigning a Single Procedure {#xd_8f92f856f53beddb-2e30cde5-182e4df46e1--7ffb .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/exam_inv/topics/t_agency_examConduct_assignProcedure.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/exam_inv/topics/t_agency_examConduct_exportingMTRAworkbook-1.md:chunk-0",
      "title": "Exporting the MTRA Workbook {#xd_be8090483216ff49--33685300-195e76b79b5--7fef .task}",
      "content": "# Exporting the MTRA Workbook \n\nInstructions for exporting an SES supervisory activity information for an MSB exam into the MTRA Workbook format.\n\nSee MTRA Workbook for more information.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Examination**.\n\n    \n\n3.  Click the **Export MTRA Workbook** button.\n\n    \n\n4.  Click **Export MTRA Workbook**.\n\nThe system takes a few minutes to export the SA information into a formatted Excel spreadsheet. Once the export is complete, you receive an email with the MTRA Workbook export as an attachment. The MTRA Workbook export includes:\n\n-   All procedures and their observations for all areas for review on the supervisory activity.\n-   Information request response document information for information requests associated to a procedure.\n-   All finding information from the supervisory activity.\n-   All financial statement information from the supervisory activity.\n\n**Parent topic:**MTRA Workbook",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\exam_inv\\topics\\t_agency_examConduct_exportingMTRAworkbook-1.md",
      "relative_path": "maps\\SES\\chapter\\exam_inv\\topics\\t_agency_examConduct_exportingMTRAworkbook-1.md",
      "headings": [
        "Exporting the MTRA Workbook {#xd_be8090483216ff49--33685300-195e76b79b5--7fef .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/exam_inv/topics/t_agency_examConduct_exportingMTRAworkbook-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/exam_inv/topics/t_agency_examConduct_exportingMTRAworkbook.md:chunk-0",
      "title": "Exporting the MTRA Workbook {#xd_be8090483216ff49--33685300-195e76b79b5--7fef .task}",
      "content": "# Exporting the MTRA Workbook \n\nInstructions for exporting an SES supervisory activity information for an MSB exam into the MTRA Workbook format.\n\nSee MTRA Workbook for more information.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Examination**.\n\n    \n\n3.  Click the **Export MTRA Workbook** button.\n\n    \n\n4.  Click **Export MTRA Workbook**.\n\nThe system takes a few minutes to export the SA information into a formatted Excel spreadsheet. Once the export is complete, you receive an email with the MTRA Workbook export as an attachment. The MTRA Workbook export includes:\n\n-   All procedures and their observations for all areas for review on the supervisory activity.\n-   Information request response document information for information requests associated to a procedure.\n-   All finding information from the supervisory activity.\n-   All financial statement information from the supervisory activity.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\exam_inv\\topics\\t_agency_examConduct_exportingMTRAworkbook.md",
      "relative_path": "maps\\SES\\chapter\\exam_inv\\topics\\t_agency_examConduct_exportingMTRAworkbook.md",
      "headings": [
        "Exporting the MTRA Workbook {#xd_be8090483216ff49--33685300-195e76b79b5--7fef .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/exam_inv/topics/t_agency_examConduct_exportingMTRAworkbook.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/exam_inv/topics/t_agency_examConduct_findingsAddingEIC.md:chunk-0",
      "title": "Adding Findings as EIC {#t_agency_examConduct_Findings_addingAFR .task}",
      "content": "# Adding Findings as EIC \n\nThe EIC can add new or repeated findings to a Supervisory Activity \\(SA\\), mark findings as resolved, and review proposed findings from other examiners.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Examination**.\n\n    \n\n3.  Click **Add Finding**.\n\n    \n\n4.  Enter the **Area for Review**, **Category**, and **Finding Type**.\n\n    **Note:** For Multi-state Examinations, you must also select the Finding Classification. If you select **Agency Specific**, you can select all the agencies to which the finding is classified.\n\n    \n\n5.  Enter any other optional information like regulations and statutes, finding commentary, or upload relevant documents.\n\n6.  Select if the finding is repeated from a previous SA.\n\n    **Note:** **Finding is Repeated from Another SA** allows you to identify a finding that remains a problem for the company from a previous SA to which you have access.\n\n    1.  Select from previously closed SAs the SA which contains the finding.\n\n        \n\n    2.  Select the repeated finding from within the SA.\n\n        \n\n7.  If the **Finding is Resolved**, select this option.\n\n    \n\n    The **Finding is Resolved** field in the Finding Commentary section of the Finding Details page changes to “Yes.”\n\n    \n\n8.  Select **Mark as Reviewed**.\n\n    \n\n9.  Click **Review Finding**.\n\n**Parent topic:**Findings\n\n**Related information**  \n\nAdding Findings as an Examiner\n\nManaging Findings from the Findings Tab\n\nSharing Findings with the Company\n\nUpdating Findings as EIC\n\nUpdating Findings as an Examiner\n\nAdding Comments to a Finding\n\nManaging Loan Request Associations\n\nManaging MRA Associations\n\nReviewing Findings as EIC\n\nDeleting Findings\n\nExporting Findings\n\nExporting Finding Commentary",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\exam_inv\\topics\\t_agency_examConduct_findingsAddingEIC.md",
      "relative_path": "maps\\SES\\chapter\\exam_inv\\topics\\t_agency_examConduct_findingsAddingEIC.md",
      "headings": [
        "Adding Findings as EIC {#t_agency_examConduct_Findings_addingAFR .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/exam_inv/topics/t_agency_examConduct_findingsAddingEIC.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/exam_inv/topics/t_agency_examConduct_findingsAdding_examiner.md:chunk-0",
      "title": "Adding Findings as an Examiner {#xd_32e0a26c84fcb98b--4e501f0f-181342ea2f0--7ffd .task}",
      "content": "# Adding Findings as an Examiner \n\nExam participants can propose exam findings, which are then sent to the EIC for review. New findings, or repeated findings from a previous Supervisory Activity \\(if you have access\\), can be added to the exam.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Examination**.\n\n    \n\n3.  Click **Add Finding**.\n\n    \n\n4.  Enter the **Area for Review**, **Category**, and **Finding Type**.\n\n    **Note:** For Multi-state Examinations, you must also select the Finding Classification. If you select **Agency Specific**, you can select all the agencies to which the finding is classified.\n\n    \n\n5.  Enter any other optional information like regulations and statutes, finding commentary, or upload relevant documents.\n\n6.  Add finding commentary and upload supporting documentation if needed.\n\n7.  Select if the finding is repeated from a previous SA.\n\n    **Note:** **Finding is Repeated from Another SA** allows you to identify a finding that remains a problem for the company from a previous SA to which you have access.\n\n    1.  Select from previously closed SAs the SA which contains the finding.\n\n        \n\n    2.  Select the repeated finding from within the SA.\n\n        \n\n8.  Select the **Propose Finding** option.\n\n    \n\n9.  Click **Propose Finding** to send the finding to the EIC for review.\n\n**Parent topic:**Findings\n\n**Related information**  \n\nAdding Findings as EIC\n\nManaging Findings from the Findings Tab\n\nSharing Findings with the Company\n\nUpdating Findings as EIC\n\nUpdating Findings as an Examiner\n\nAdding Comments to a Finding\n\nManaging Loan Request Associations\n\nManaging MRA Associations\n\nReviewing Findings as EIC\n\nDeleting Findings\n\nExporting Findings\n\nExporting Finding Commentary",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\exam_inv\\topics\\t_agency_examConduct_findingsAdding_examiner.md",
      "relative_path": "maps\\SES\\chapter\\exam_inv\\topics\\t_agency_examConduct_findingsAdding_examiner.md",
      "headings": [
        "Adding Findings as an Examiner {#xd_32e0a26c84fcb98b--4e501f0f-181342ea2f0--7ffd .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/exam_inv/topics/t_agency_examConduct_findingsAdding_examiner.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/exam_inv/topics/t_agency_examConduct_importExportProcedureTemplate.md:chunk-0",
      "title": "Managing Procedure Observations Offline {#xd_25551b026ce61269-12880d6e-195c3acf5ca--7ffb .task}",
      "content": "# Managing Procedure Observations Offline \n\nInstructions for exporting and importing the procedure observations template.\n\nActive agency participants can download a SES Procedure Observations Template for offline use and upload the completed template back to SES before an SA reaches Close Out status. This ensures greater flexibility and enables users to complete work during an exam if Internet access is unavailable while working on-site.\n\nDownload a sample SES Procedures Observations Template to see the information included in the template.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Examination**.\n\n    \n\n3.  Click the **Manage Procedure Observations Offline** button.\n\n    \n\n4.  Select **Export Template**.\n\n5.  Select the procedures to include in the template.\n\n    -   Area for Review\n    -   Assigned to Me\n    -   Assigned to My Agency\n6.  Select **Export Template**.\n\n    The system will take a few minutes to export the information into a formatted Excel spreadsheet template. Once the export is complete, you receive an email with the procedure workbook template attached.\n\n7.  Fill out the SES Procedure Observations Template according to the instructions on the first sheet of the workbook template and save it to your computer.\n\n    **Note:**\n\n    -   Add observations in Column G, NEW\\_OBSERVATIONS. Observations will be APPENDED to the existing observations for the procedure \\(Column F\\). For multi-state exams, observations will be pre-fixed with your agency code.\n    -   Select Yes in Column G to mark the procedure as Done.\n    -   Select Yes in Column I to indicate that there was a finding identified while working that procedure. This Finding may be added in SES after import.\n    -   Do not change the column headers in the second tab and do not add or remove any columns.\n    -   Only columns G, H, and I should be edited. All other edits will be ignored by the system during import.\n8.  When back online, return to the Examination page for the SA in",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\exam_inv\\topics\\t_agency_examConduct_importExportProcedureTemplate.md",
      "relative_path": "maps\\SES\\chapter\\exam_inv\\topics\\t_agency_examConduct_importExportProcedureTemplate.md",
      "headings": [
        "Managing Procedure Observations Offline {#xd_25551b026ce61269-12880d6e-195c3acf5ca--7ffb .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/exam_inv/topics/t_agency_examConduct_importExportProcedureTemplate.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/exam_inv/topics/t_agency_examConduct_importExportProcedureTemplate.md:chunk-1",
      "title": "Managing Procedure Observations Offline {#xd_25551b026ce61269-12880d6e-195c3acf5ca--7ffb .task}",
      "content": "r remove any columns.\n    -   Only columns G, H, and I should be edited. All other edits will be ignored by the system during import.\n8.  When back online, return to the Examination page for the SA in SES.\n\n9.  Click the **Manage Procedure Observations Offline** button.\n\n    \n\n10. Select **Import Template**.\n\n11. Upload your filled SES Procedure Observations Template.\n\n12. Click **Import Template**.\n\n13. Resolve any issues with the upload identified by the system.\n\n14. Review the observations added.\n\n15. Click **Add Observations**.\n\nThe procedure observations are added to the SA in SES.\n\n**Parent topic:**Working Procedures",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\exam_inv\\topics\\t_agency_examConduct_importExportProcedureTemplate.md",
      "relative_path": "maps\\SES\\chapter\\exam_inv\\topics\\t_agency_examConduct_importExportProcedureTemplate.md",
      "headings": [
        "Managing Procedure Observations Offline {#xd_25551b026ce61269-12880d6e-195c3acf5ca--7ffb .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/exam_inv/topics/t_agency_examConduct_importExportProcedureTemplate.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/exam_inv/topics/t_agency_examConduct_workProc_bulk.md:chunk-0",
      "title": "Bulk Working Procedures {#xd_3daaf0d126289c2f-936c3ba-1866aa53950--7ff3 .task}",
      "content": "# Bulk Working Procedures \n\nHow to use the Bulk Work Procedures functionality when working procedures in SES.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Examination**.\n\n    \n\n3.  Select **Bulk Work Procedures**.\n\n    \n\n4.  Click **Show Filters**, and select the appropriate filters to limit the list, click **Search**, then scroll and navigate through the pages until you find the desired item.\n\n    \n\n5.  Click **IR Response Search** to open a new tab in your browser and search for relevant IR responses by request, response, area for review, and file name.\n\n    **Note:** You can click the **IR Response Search** button to open a new tab in your browser and search for relevant IR responses by request, response, area for review, and file name.\n\n    \n\n6.  Click **Work Procedure**.\n\n    \n\n7.  Add the necessary observations or documents.\n\n8.  Select **Yes** when done. This is an indication to other examiners on your team that someone has worked the procedure.\n\n9.  Click **Save Work**.\n\n    \n\n    1.  Click **Quick Add a Finding**. This creates an association between the finding and the procedure in the system, and the association is displayed everywhere the finding and the procedure are displayed in the system.\n\n        \n\n    2.  To search through the full list of findings, click **Finding Search**.\n\n        \n\n    3.  You can also associate information requests to the procedure by clicking **Associate Information Requests**. See Associating Information Requests to Procedures for more information.\n\n        \n\n    4.  You can also update associated information requests by marking them Quick Look Complete, updating due dates, canceling them, or sending them back to the company.\n\n        \n\n10. Continue to work procedures.\n\n11. Once done, click **I’m Done for Now** in the bottom left.\n\n    \n\n**Parent topic:**Working Procedures",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\exam_inv\\topics\\t_agency_examConduct_workProc_bulk.md",
      "relative_path": "maps\\SES\\chapter\\exam_inv\\topics\\t_agency_examConduct_workProc_bulk.md",
      "headings": [
        "Bulk Working Procedures {#xd_3daaf0d126289c2f-936c3ba-1866aa53950--7ff3 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/exam_inv/topics/t_agency_examConduct_workProc_bulk.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/exam_inv/topics/t_agency_examConduct_workProc_generalDocumentUpload.md:chunk-0",
      "title": "Uploading General Procedure Documents {#xd_19818fa6c2797726-ec28950-18f49239a68--7ffa .task}",
      "content": "# Uploading General Procedure Documents \n\nActive agency participants on a supervisory activity \\(SA\\) can upload general procedure documents to an SA.\n\nFollow these steps to upload a document that applies to all procedures for an SA rather than uploading the same document to each procedure. This functionality is best used if your agency conducted procedures outside of SES, so you can upload the full set of documentation for the procedures into SES.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Examination**.\n\n    \n\n3.  Click **Add General Procedure Documents**.\n\n    \n\n4.  Upload any necessary documents.\n\n    **Note:** See Uploading Documents for details on uploading documents.\n\n5.  Click **Add Documents**.\n\n    \n\n    **Note:** General documents are not shared with the company. They are internal documents that are only shared within your agency.\n\nGeneral procedure documents are displayed at the bottom of the Summary and Procedures tabs by clicking the **+ Show General Procedures Documents** link.\n\n**Parent topic:**Procedures",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\exam_inv\\topics\\t_agency_examConduct_workProc_generalDocumentUpload.md",
      "relative_path": "maps\\SES\\chapter\\exam_inv\\topics\\t_agency_examConduct_workProc_generalDocumentUpload.md",
      "headings": [
        "Uploading General Procedure Documents {#xd_19818fa6c2797726-ec28950-18f49239a68--7ffa .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/exam_inv/topics/t_agency_examConduct_workProc_generalDocumentUpload.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/exam_inv/topics/t_agency_exam_ReviewIRresponse.md:chunk-0",
      "title": "Conducting the Exam: Reviewing Information Request Responses {#t_agency_exam_ReviewIRresponse .task}",
      "content": "# Conducting the Exam: Reviewing Information Request Responses \n\nWhen a company responds to information requests, you can review them to decide if they look complete and mark them as **Quick Look Complete** or if they shoud be sent back to the company for further information.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Examination**.\n\n    \n\n3.  Click the desired **AFR** within the Review Summary quick filter.\n\n    \n\n4.  Search for the desired information request.\n\n    **Note:** To search through the full list of IRs and response text, click **Show Filters**.\n\n    \n\n    \n\n5.  Click the desired **IR ID**.\n\n    \n\n6.  From this screen, you can Marking an IR Response Quick Look Complete or Sending an IR Response back to the Company.\n\n**Parent topic:**Conducting the Exam: Reviewing Information Request Responses",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\exam_inv\\topics\\t_agency_exam_ReviewIRresponse.md",
      "relative_path": "maps\\SES\\chapter\\exam_inv\\topics\\t_agency_exam_ReviewIRresponse.md",
      "headings": [
        "Conducting the Exam: Reviewing Information Request Responses {#t_agency_exam_ReviewIRresponse .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/exam_inv/topics/t_agency_exam_ReviewIRresponse.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/exam_inv/topics/t_agency_findingsCommentsAdding_EIC.md:chunk-0",
      "title": "Adding Comments to a Finding {#xd_c520caad31a51e66-6b082bb3-18157be273e--7ff6 .task}",
      "content": "# Adding Comments to a Finding \n\nThe EIC can add comments to a finding.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Examination**.\n\n    \n\n3.  Select the **Number of Findings** hyperlink for the desired Area for Review.\n\n    \n\n4.  Scroll down to the Findings section. Select the desired **Finding ID** hyperlink.\n\n    \n\n5.  Click **Add Comment**.\n\n    \n\n6.  Enter your comments.\n\n7.  Click **Add Comment**.\n\n    \n\n**Parent topic:**Findings\n\n**Related information**  \n\nAdding Findings as EIC\n\nAdding Findings as an Examiner\n\nManaging Findings from the Findings Tab\n\nSharing Findings with the Company\n\nUpdating Findings as EIC\n\nUpdating Findings as an Examiner\n\nManaging Loan Request Associations\n\nManaging MRA Associations\n\nReviewing Findings as EIC\n\nDeleting Findings\n\nExporting Findings\n\nExporting Finding Commentary",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\exam_inv\\topics\\t_agency_findingsCommentsAdding_EIC.md",
      "relative_path": "maps\\SES\\chapter\\exam_inv\\topics\\t_agency_findingsCommentsAdding_EIC.md",
      "headings": [
        "Adding Comments to a Finding {#xd_c520caad31a51e66-6b082bb3-18157be273e--7ff6 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/exam_inv/topics/t_agency_findingsCommentsAdding_EIC.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/exam_inv/topics/t_agency_findingsExportCommentary_EIC.md:chunk-0",
      "title": "Exporting Finding Commentary {#xd_c520caad31a51e66-6b082bb3-18157be273e--7ff8 .task}",
      "content": "# Exporting Finding Commentary \n\nFinding commentary entered here is automatically included in the Finding Commentary section on the Report tab. The EIC can then export the finding commentary when building the report.\n\n1.  Select the **Report** menu tab.\n\n    \n\n2.  Click **Export Commentary**.\n\nThe finding commentary is emailed to you as a Word document.\n\nUse **Crtl**+**Click** to navigate to the different sections of the document \\(report commentary vs. finding commentary\\).\n\nThere are blank pages intentionally included in the document as placeholders for the maximum of 25 rows of report or finding commentary that you are allowed to export.\n\nThe associated loan requests in the document can be easily copied and pasted into an Excel document to add to the Report of Examination in table format.\n\n**Parent topic:**Findings\n\n**Related information**  \n\nAdding Findings as EIC\n\nAdding Findings as an Examiner\n\nManaging Findings from the Findings Tab\n\nSharing Findings with the Company\n\nUpdating Findings as EIC\n\nUpdating Findings as an Examiner\n\nAdding Comments to a Finding\n\nManaging Loan Request Associations\n\nManaging MRA Associations\n\nReviewing Findings as EIC\n\nDeleting Findings\n\nExporting Findings",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\exam_inv\\topics\\t_agency_findingsExportCommentary_EIC.md",
      "relative_path": "maps\\SES\\chapter\\exam_inv\\topics\\t_agency_findingsExportCommentary_EIC.md",
      "headings": [
        "Exporting Finding Commentary {#xd_c520caad31a51e66-6b082bb3-18157be273e--7ff8 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/exam_inv/topics/t_agency_findingsExportCommentary_EIC.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/exam_inv/topics/t_agency_findingsUpdate_EIC.md:chunk-0",
      "title": "Updating Findings as EIC {#xd_c520caad31a51e66-6b082bb3-18157be273e--7ffa .task}",
      "content": "# Updating Findings as EIC \n\nThe examiner in charge can review and update findings from the examination.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Examination**.\n\n    \n\n3.  Select the **Number of Findings** hyperlink for the desired Area for Review.\n\n    \n\n4.  Scroll down to the Findings section. Select the desired **Finding ID** hyperlink.\n\n    \n\n5.  Click **Update Finding**.\n\n    \n\n6.  Make the desired updates.\n\n7.  Select **Mark as Reviewed**.\n\n    \n\n8.  Click **Review Finding**.\n\n**Parent topic:**Findings\n\n**Related information**  \n\nAdding Findings as EIC\n\nAdding Findings as an Examiner\n\nManaging Findings from the Findings Tab\n\nSharing Findings with the Company\n\nUpdating Findings as an Examiner\n\nAdding Comments to a Finding\n\nManaging Loan Request Associations\n\nManaging MRA Associations\n\nReviewing Findings as EIC\n\nDeleting Findings\n\nExporting Findings\n\nExporting Finding Commentary",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\exam_inv\\topics\\t_agency_findingsUpdate_EIC.md",
      "relative_path": "maps\\SES\\chapter\\exam_inv\\topics\\t_agency_findingsUpdate_EIC.md",
      "headings": [
        "Updating Findings as EIC {#xd_c520caad31a51e66-6b082bb3-18157be273e--7ffa .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/exam_inv/topics/t_agency_findingsUpdate_EIC.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/exam_inv/topics/t_agency_findingsUpdate_examiner.md:chunk-0",
      "title": "Updating Findings as an Examiner {#xd_c520caad31a51e66-6b082bb3-18157be273e--7ff9 .task}",
      "content": "# Updating Findings as an Examiner \n\nParticipants on exam can update findings and propose the updates to the EIC for review.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Examination**.\n\n    \n\n3.  Select the **Number of Findings** hyperlink for the desired Area for Review.\n\n    \n\n4.  Scroll down to the Findings section. Select the desired **Finding ID** hyperlink.\n\n    \n\n5.  Click **Update Finding**.\n\n    \n\n6.  Make the desired updates.\n\n7.  Select the **Propose Finding** option.\n\n    \n\n8.  Click **Propose Finding** to send the finding to the EIC for review.\n\n**Parent topic:**Findings\n\n**Related information**  \n\nAdding Findings as EIC\n\nAdding Findings as an Examiner\n\nManaging Findings from the Findings Tab\n\nSharing Findings with the Company\n\nUpdating Findings as EIC\n\nAdding Comments to a Finding\n\nManaging Loan Request Associations\n\nManaging MRA Associations\n\nReviewing Findings as EIC\n\nDeleting Findings\n\nExporting Findings\n\nExporting Finding Commentary",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\exam_inv\\topics\\t_agency_findingsUpdate_examiner.md",
      "relative_path": "maps\\SES\\chapter\\exam_inv\\topics\\t_agency_findingsUpdate_examiner.md",
      "headings": [
        "Updating Findings as an Examiner {#xd_c520caad31a51e66-6b082bb3-18157be273e--7ff9 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/exam_inv/topics/t_agency_findingsUpdate_examiner.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/exam_inv/topics/t_agency_reassigningProcedures.md:chunk-0",
      "title": "Reassigning a Single Procedure {#xd_1faeb854f7f52956-24abea30-190f9f1f5db--7ff9 .task}",
      "content": "# Reassigning a Single Procedure \n\nHow to reassign a single procedure for an area for review \\(AFR\\).\n\nA procedure can be reassigned by the area for review \\(AFR\\) owner or the examiner in charge \\(EIC\\).\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Examination**.\n\n    \n\n3.  Click the desired **AFR** within the Review Summary quick filter.\n\n    \n\n4.  Scroll down to the Procedures section.\n\n5.  Click the **Details** icon for the desired Procedure.\n\n    \n\n6.  Click **Reassign Procedure**.\n\n    \n\n7.  Select the desired assignees.\n\n    -   All agencies \\(for multi-state SAs\\)\n    -   One or multiple agencies \\(for multi-state SAs\\)\n    -   One or more participants on an SA\n8.  Click **Reassign Procedure**.\n\n**Parent topic:**Assigning Procedures",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\exam_inv\\topics\\t_agency_reassigningProcedures.md",
      "relative_path": "maps\\SES\\chapter\\exam_inv\\topics\\t_agency_reassigningProcedures.md",
      "headings": [
        "Reassigning a Single Procedure {#xd_1faeb854f7f52956-24abea30-190f9f1f5db--7ff9 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/exam_inv/topics/t_agency_reassigningProcedures.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/exam_inv/topics/t_agency_removingProceduresFromTheProceduresTab.md:chunk-0",
      "title": "Removing Procedures from the Procedures Tab {#xd_1faeb854f7f52956-24abea30-190f9f1f5db--7ff3 .task}",
      "content": "# Removing Procedures from the Procedures Tab \n\nHow to remove procedures from the Procedures tab on the Examination page.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Examination**.\n\n    \n\n3.  Click **Procedures** tab.\n\n    \n\n    **Note:** Use **Review Mode** to limit the number of columns that are displayed. This mode can help you identify procedures that have observations or attachments associated with them.\n\n    \n\n4.  Click **Show Filters**, and select the appropriate filters to limit the list, click **Search**, then scroll and navigate through the pages until you find the desired item.\n\n    \n\n5.  Select **Remove Procedure** from the Actions column.\n\n    \n\n6.  Click **Remove Procedures**.\n\n    \n\n**Parent topic:**Removing Procedures",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\exam_inv\\topics\\t_agency_removingProceduresFromTheProceduresTab.md",
      "relative_path": "maps\\SES\\chapter\\exam_inv\\topics\\t_agency_removingProceduresFromTheProceduresTab.md",
      "headings": [
        "Removing Procedures from the Procedures Tab {#xd_1faeb854f7f52956-24abea30-190f9f1f5db--7ff3 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/exam_inv/topics/t_agency_removingProceduresFromTheProceduresTab.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/exam_inv/topics/t_agency_sharingFindings.md:chunk-0",
      "title": "Sharing Findings with the Company {#xd_1faeb854f7f52956-24abea30-190f9f1f5db--7ff1 .task}",
      "content": "# Sharing Findings with the Company \n\nHow to share findings with the company outside of an exit meeting.\n\nYou can share findings with the company outside of the exit meeting. They can be shared as early as the planning milestone as long as you have already shared the IRs with the company\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Examination**.\n\n    \n\n3.  Select **Share Findings**.\n\n    \n\n4.  Select the findings you want to share.\n\n5.  Click **Share Findings**.\n\n**Parent topic:**Findings\n\n**Related information**  \n\nAdding Findings as EIC\n\nAdding Findings as an Examiner\n\nManaging Findings from the Findings Tab\n\nUpdating Findings as EIC\n\nUpdating Findings as an Examiner\n\nAdding Comments to a Finding\n\nManaging Loan Request Associations\n\nManaging MRA Associations\n\nReviewing Findings as EIC\n\nDeleting Findings\n\nExporting Findings\n\nExporting Finding Commentary",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\exam_inv\\topics\\t_agency_sharingFindings.md",
      "relative_path": "maps\\SES\\chapter\\exam_inv\\topics\\t_agency_sharingFindings.md",
      "headings": [
        "Sharing Findings with the Company {#xd_1faeb854f7f52956-24abea30-190f9f1f5db--7ff1 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/exam_inv/topics/t_agency_sharingFindings.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/exam_inv/topics/t_agency_workProc_exportProcedures.md:chunk-0",
      "title": "Exporting Procedures {#xd_b2b16285efd54a9a--7ef0f62b-1817c79da7a--7ff6 .task}",
      "content": "# Exporting Procedures \n\nUsers with detail level access to the SA can export the list of procedures.\n\nExporting procedures is a good option if you are conducting an examination where you do not have access to the Internet and cannot work procedures in SES in real-time. Export your procedures and then add them manually to SES when you can log back in.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Examination**.\n\n    \n\n3.  Click **Procedures** tab.\n\n    \n\n4.  Click **Export to Excel** at the bottom of the grid.\n\n    \n\n    The exported data is emailed to you as an attachment.\n\n**Parent topic:**Procedures",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\exam_inv\\topics\\t_agency_workProc_exportProcedures.md",
      "relative_path": "maps\\SES\\chapter\\exam_inv\\topics\\t_agency_workProc_exportProcedures.md",
      "headings": [
        "Exporting Procedures {#xd_b2b16285efd54a9a--7ef0f62b-1817c79da7a--7ff6 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/exam_inv/topics/t_agency_workProc_exportProcedures.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/exam_inv/topics/t_agency_workProc_manageReviewInformation.md:chunk-0",
      "title": "Managing Procedure Review Information {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7fb1 .task}",
      "content": "# Managing Procedure Review Information \n\nLearn how to use Review Mode for procedures and add procedure review information for specific procedures in an SA.\n\nSES provides a way for you to add, update, or delete comments for procedures on an SA, and highlight them with different colors.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Examination**.\n\n    \n\n3.  Click **Procedures** tab.\n\n    \n\n    **Note:** Use **Review Mode** to limit the number of columns that are displayed. This mode can help you identify procedures that have observations or attachments associated with them.\n\n    \n\n4.  With **Review Mode** turned on, click the **edit icon** in the last column to the right of the Procedures grid.\n\n5.  Enter any relevant review comments.\n\n6.  Select who should see the procedure review information.\n\n7.  Choose the highlighting color for the review comment.\n\n8.  Click the **Save Procedure Review** button.\n\nThe procedure review information is added to a Review Comments column in the Procedures grid. You can use the **edit icon** to add more comments, update existing comments, remove highlighting, or delete.\n\n**Parent topic:**Working Procedures",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\exam_inv\\topics\\t_agency_workProc_manageReviewInformation.md",
      "relative_path": "maps\\SES\\chapter\\exam_inv\\topics\\t_agency_workProc_manageReviewInformation.md",
      "headings": [
        "Managing Procedure Review Information {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7fb1 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/exam_inv/topics/t_agency_workProc_manageReviewInformation.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/exam_inv/topics/t_agency_workingProceduresFromProceduresTab.md:chunk-0",
      "title": "Working Procedures from the Procedures Tab {#xd_1faeb854f7f52956-24abea30-190f9f1f5db--7ff6 .task}",
      "content": "# Working Procedures from the Procedures Tab \n\nHow to work procedures from the Procedures tab on the Examination page.\n\nThis is the recommended method for working procedures in SES because it offers the most streamlined experience. You can take all actions for a procedure from within the Procedures tab.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Examination**.\n\n    \n\n3.  Click **Procedures** tab.\n\n    \n\n    **Note:** Use **Review Mode** to limit the number of columns that are displayed. This mode can help you identify procedures that have observations or attachments associated with them.\n\n    \n\n4.  Click **Show Filters**, and select the appropriate filters to limit the list, click **Search**, then scroll and navigate through the pages until you find the desired item.\n\n    \n\n5.  Select the desired action from the Actions column.\n\n    \n\n    **Note:** You can also quickly mark a procedure as done from the Procedures tab. This is an indication to other examiners on your team that someone has worked the procedure.\n\n    -   Assign Procedure: Assign the procedure to another participant on the supervisory activity.\n    -   Work Procedure: Add observations, upload documents, associate information requests, quick add findings, or mark the procedure as done. **See steps below for details.**\n    -   Manage Finding Association: Associate the procedure to findings or remove existing associations to findings.\n    -   Remove Procedure: Remove the procedure from the supervisory activity.\n6.  Add the necessary observations or documents.\n\n7.  Select **Yes** when done. This is an indication to other examiners on your team that someone has worked the procedure.\n\n8.  Click **Save Work**.\n\n    \n\n    1.  Click **Quick Add a Finding**. This creates an association between the finding and the procedure in the system, and the association is displayed everywhere the finding and the procedure are displayed in the system.\n\n        \n\n    2.  To search through the full list of f",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\exam_inv\\topics\\t_agency_workingProceduresFromProceduresTab.md",
      "relative_path": "maps\\SES\\chapter\\exam_inv\\topics\\t_agency_workingProceduresFromProceduresTab.md",
      "headings": [
        "Working Procedures from the Procedures Tab {#xd_1faeb854f7f52956-24abea30-190f9f1f5db--7ff6 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/exam_inv/topics/t_agency_workingProceduresFromProceduresTab.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/exam_inv/topics/t_agency_workingProceduresFromProceduresTab.md:chunk-1",
      "title": "Working Procedures from the Procedures Tab {#xd_1faeb854f7f52956-24abea30-190f9f1f5db--7ff6 .task}",
      "content": " finding and the procedure in the system, and the association is displayed everywhere the finding and the procedure are displayed in the system.\n\n        \n\n    2.  To search through the full list of findings, click **Finding Search**.\n\n        \n\n    3.  You can also associate information requests to the procedure by clicking **Associate Information Requests**. See Associating Information Requests to Procedures for more information.\n\n        \n\n    4.  You can also update associated information requests by marking them Quick Look Complete, updating due dates, canceling them, or sending them back to the company.\n\n        \n\n**Parent topic:**Working Procedures",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\exam_inv\\topics\\t_agency_workingProceduresFromProceduresTab.md",
      "relative_path": "maps\\SES\\chapter\\exam_inv\\topics\\t_agency_workingProceduresFromProceduresTab.md",
      "headings": [
        "Working Procedures from the Procedures Tab {#xd_1faeb854f7f52956-24abea30-190f9f1f5db--7ff6 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/exam_inv/topics/t_agency_workingProceduresFromProceduresTab.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/financialStatement/topics/c_agency_financialStatements.md:chunk-0",
      "title": "Financial Statements {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fd8 .concept}",
      "content": "# Financial Statements \n\nThis topic provides an overview of the Financial Statements section in SES, which allows agency users to capture and analyze a company’s financial data within the context of a money services business \\(MSB\\) examination. Examiners can create a structured financial grid—similar to the MTRA Work Program workbook—to assess financial health, identify risks, and support consistent, data-driven examination decisions.\n\nFinancial statements in SES provide a structured view of a company’s financial condition and performance over time. These statements typically include key financial data such as assets, liabilities, revenue, and expenses, and are a fundamental part of evaluating a company’s financial soundness and risk profile.\n\nIn SES, the Financial Statements section allows examiners to create and manage a grid of financial data similar to what is found in the MTRA Work Program workbook. This functionality enables regulators to record, analyze, and track company financial information within the context of an examination.\n\n## How Financial Statement Support the Examination Process \n\nExaminers use financial statements in SES to:\n\n-   Assess the financial stability and operational capacity of a company under examination.\n-   Identify potential areas of concern such as declining revenue, excessive liabilities, or inconsistent reporting.\n-   Support risk-based examination planning and inform the focus of transaction testing and findings.\n-   Maintain standardized financial data across exams for consistency and historical comparison.\n\nWithin the Financial Statements section, agency users can:\n\n-   Add, edit, or delete line items to reflect specific categories such as assets, liabilities, revenue, and expenses.\n-   Organize financial data in a format aligned with their agency’s existing work programs.\n-   Ensure exam documentation includes a complete and accurate financial picture of the company.\n\n-   **Using the Financial Statements Page in SES**  \nThis ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\financialStatement\\topics\\c_agency_financialStatements.md",
      "relative_path": "maps\\SES\\chapter\\financialStatement\\topics\\c_agency_financialStatements.md",
      "headings": [
        "Financial Statements {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fd8 .concept}",
        "How Financial Statement Support the Examination Process {#section_ib4_4zg_sfc .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/financialStatement/topics/c_agency_financialStatements.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/financialStatement/topics/c_agency_financialStatements.md:chunk-1",
      "title": "Financial Statements {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fd8 .concept}",
      "content": "with their agency’s existing work programs.\n-   Ensure exam documentation includes a complete and accurate financial picture of the company.\n\n-   **Using the Financial Statements Page in SES**  \nThis task explains how agency users can use the Financial Statements page in SES to create a new financial statement, enter company financial data, and update existing entries. The page allows users to build a structured grid of financial information—such as assets, liabilities, revenue, and expenses—that supports risk assessment and ensures consistent financial analysis during an examination.\n-   **Exporting the Financial Statement in SES**  \nThis task explains how to export transaction requests for a supervisory activity \\(SA\\).\n\n**Parent topic:**Conducting a Supervisory Activity\n\n**Previous topic:**Closing the Exit Meeting\n\n**Next topic:**Using the Financial Statements Page in SES",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\financialStatement\\topics\\c_agency_financialStatements.md",
      "relative_path": "maps\\SES\\chapter\\financialStatement\\topics\\c_agency_financialStatements.md",
      "headings": [
        "Financial Statements {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fd8 .concept}",
        "How Financial Statement Support the Examination Process {#section_ib4_4zg_sfc .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/financialStatement/topics/c_agency_financialStatements.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/financialStatement/topics/t_agency_financialStatement_exporting.md:chunk-0",
      "title": "Exporting the Financial Statement in SES {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fd6 .task}",
      "content": "# Exporting the Financial Statement in SES \n\nThis task explains how to export transaction requests for a supervisory activity \\(SA\\).\n\nIn SES, transaction request data is now included as part of the MTRA workbook export, which provides a consolidated view of key examination components—including financial statements and transaction-level review details.\n\nSee Exporting the MTRA Workbook for the steps.\n\n**Parent topic:**Financial Statements",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\financialStatement\\topics\\t_agency_financialStatement_exporting.md",
      "relative_path": "maps\\SES\\chapter\\financialStatement\\topics\\t_agency_financialStatement_exporting.md",
      "headings": [
        "Exporting the Financial Statement in SES {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fd6 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/financialStatement/topics/t_agency_financialStatement_exporting.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/financialStatement/topics/t_agency_financialStatements_usingPage.md:chunk-0",
      "title": "Using the Financial Statements Page in SES {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fd7 .task}",
      "content": "# Using the Financial Statements Page in SES \n\nThis task explains how agency users can use the Financial Statements page in SES to create a new financial statement, enter company financial data, and update existing entries. The page allows users to build a structured grid of financial information—such as assets, liabilities, revenue, and expenses—that supports risk assessment and ensures consistent financial analysis during an examination.\n\nThe Financial Statements page in SES provides agency participants on a money services business \\(MSB\\) supervisory activity \\(SA\\) with a dedicated workspace to document and analyze a company’s financial information as part of a SA. Agency users can manually create financial statements, enter or edit line items for key categories such as assets, liabilities, revenue, and expenses, and update financial data throughout the course of an examination.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Financial Statement**.\n\n3.  Click **Create Financial Statement** button.\n\n    **Note:** The **Create Financial Statement** button is available if the following requirements are met:\n\n    -   The SA is in the In-Flight milestone.\n    -   The SA is not closed and locked.\n    -   The user accessing the Financial Statements page is a participant on the SA.\n4.  Enter the relevant **Audited Dates** and **Interim Dates** for the finaincial statement.\n\n    A grid similar to the \"Financial\" tab in the MTRA Work Program workbook appears on screen.\n\n5.  Select the relevant **Update** button for each section of the grid to enter financial statement data.\n\n    **Note:** You can add new rows to each section of the grid by selecting the **Add New Row** button at the bottom of each section.\n\n    \n\nAfter entering financial statement data in each section of the Financial Statement grid, the data is saved in SES.\n\n**Parent topic:**Financial Statements",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\financialStatement\\topics\\t_agency_financialStatements_usingPage.md",
      "relative_path": "maps\\SES\\chapter\\financialStatement\\topics\\t_agency_financialStatements_usingPage.md",
      "headings": [
        "Using the Financial Statements Page in SES {#xd_fc7e4a4af2f0d294-5c25803e-1974f4e5ecb--7fd7 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/financialStatement/topics/t_agency_financialStatements_usingPage.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/getStart/topics/c_TourOfSES.md:chunk-0",
      "title": "A Tour of SES {#c_TourOfSES .concept}",
      "content": "# A Tour of SES \n\nA video overview of the State Examination System.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\getStart\\topics\\c_TourOfSES.md",
      "relative_path": "maps\\SES\\chapter\\getStart\\topics\\c_TourOfSES.md",
      "headings": [
        "A Tour of SES {#c_TourOfSES .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/getStart/topics/c_TourOfSES.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/getStart/topics/c_agency_SES_systemRoles.md:chunk-0",
      "title": "SES Agency System Roles & Consumer Complaints Roles {#xd_639cae5476ab2d25--35e9ed5d-1808057a2e5--7fea .concept}",
      "content": "# SES Agency System Roles & Consumer Complaints Roles \n\nPermissions for SES user accounts are divided into two categories: roles and consumer complaints roles.\n\nSee the Agency User Roles Video for a description of how user roles function in SES.\n\n-   Roles: These roles are assigned at the SES System level and indicate that the user is responsible for managing supervisory activities, in general. Other than staff directors, users who only use SES Consumer Complaints do not need to be assigned a system role.\n-   Consumer Complaints Roles: These roles are assigned to users who manage consumer complaints for your agency. Users who exclusively use SES Consumer Complaints only need to be assigned a consumer complaints role. They do not need to be assigned a supervisory activity role above. A single user can only hold one role within the SES Consumer Complaints group.\n\nUsers that participate in supervisory activities and consumer complaints can be assigned both types of roles.\n\nFor full details on all system roles, see the Agency User Roles and Permissions \\(Excel format\\) spreadsheet.\n\n**Note:** Once a user is assigned as a participant on a specific supervisory activity, additional roles and permissions are available \\(e.g., Examiner in Charge\\). For more information, see Supervisory Activity Participant Roles.\n\n## Roles \n\nOther than the Account Administrator role, SES roles are assigned to users that manage or participate in supervisory activities like examinations or investigations. A single user can hold multiple SES roles.\n\n\n\nRole\n\n\n\nDescription\n\n\n\nTypical Supervisory Activity Duties\n\n\n\nAccount Administrator\n\n\n\nManages the agency profile and user accounts. Maximum 5 account administrators per agency.\n\n\n\nNone.\n\n\n\nStaff Director\n\n\n\nManages the work of an agency or division in an agency, such as scheduling, approving requests from other agencies, and examiner workload. Mus also hold a consumer complaints role.\n\n\n\nManaging the leveraging or acceptance of examinations.\n\n\n\nS",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\getStart\\topics\\c_agency_SES_systemRoles.md",
      "relative_path": "maps\\SES\\chapter\\getStart\\topics\\c_agency_SES_systemRoles.md",
      "headings": [
        "SES Agency System Roles & Consumer Complaints Roles {#xd_639cae5476ab2d25--35e9ed5d-1808057a2e5--7fea .concept}",
        "Roles {#section_dqw_k15_ltb .section}",
        "Staff Director Resources {#section_jqw_k15_ltb .section}",
        "Staff User Resources {#section_qqw_k15_ltb .section}",
        "Examiner or Examiner Reviewer Resources {#section_vqw_k15_ltb .section}",
        "Consumer Complaints Roles {#section_crw_k15_ltb .section}",
        "Complaint Supervisor Resources {#section_frw_k15_ltb .section}",
        "Complaint Manager Resources {#section_o52_cpw_k5b .section}",
        "Agency POC {#section_irw_k15_ltb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/getStart/topics/c_agency_SES_systemRoles.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/getStart/topics/c_agency_SES_systemRoles.md:chunk-1",
      "title": "SES Agency System Roles & Consumer Complaints Roles {#xd_639cae5476ab2d25--35e9ed5d-1808057a2e5--7fea .concept}",
      "content": "n an agency, such as scheduling, approving requests from other agencies, and examiner workload. Mus also hold a consumer complaints role.\n\n\n\nManaging the leveraging or acceptance of examinations.\n\n\n\nStaff User\n\n\n\nDirectly supports the Examiner in Charge \\(EIC\\) on supervisory activities, often as a participant, by preparing the scope, sending IRs, and assembling the Report of Examination \\(ROE\\) package.\n\n\n\nAssisting at the direction of the EIC and managing administrative tasks related to an examination.\n\n\n\nExaminer or Examiner Reviewer\n\n\n\nManages and supports supervisory activities from start to finish.\n\n\n\nWorking as the EIC or as an examiner supporting the EIC.\n\n \n\n Reviewing IR responses. Sending information back to the company. Working procedures.\n\n\n\nMaster Viewer\n\n\n\nIntended for agency leadership, this role can view the details and documents for all your agency’s SAs.\n\n\n\nNone.\n\n\n## Account Administrator Resources \n\n**Single Sign-On**\n\n-   Activating Your Okta Account for SES \\(single sign-on for SES\\)\n    -   Registering with Google Authenticator\n    -   Registering with Symantec VIP\n\n**Agency Profile**\n\n-   Managing the Agency Profile\n\n**User Management**\n\n-   Creating and Removing Agency Users\n-   Managing Agency User Accounts\n-   Verifying Agency Users\n\n## Staff Director Resources \n\n**Library Management**\n\n-   Understanding the Library\n-   Managing the Library\n\n**Supervisory Activity Management**\n\n-   Enrolling a Company User for Exams or Complaints\n-   Agency Guidelines to Enroll New Companies in SES\n-   Initiating a Supervisory Activity\n-   Sending a Supervisory Activity for Review\n-   Reviewing a Newly-Initiated Supervisory Activity\n\n**Exam Scheduling**\n\n-   Exam Scheduling\n-   Using Exam Scheduling\n-   Building Your Exam Scheduling “To-Do List”\n-   Making and Confirming Decisions\n-   Taking Action on Your Exam Scheduling \"To Do\" List\n\n**Information Sharing**\n\n-   Accepting a Supervisory Activity\n-   Leveraging Another Agency's Supervisory Activity\n-   Re",
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      "relative_path": "maps\\SES\\chapter\\getStart\\topics\\c_agency_SES_systemRoles.md",
      "headings": [
        "SES Agency System Roles & Consumer Complaints Roles {#xd_639cae5476ab2d25--35e9ed5d-1808057a2e5--7fea .concept}",
        "Roles {#section_dqw_k15_ltb .section}",
        "Staff Director Resources {#section_jqw_k15_ltb .section}",
        "Staff User Resources {#section_qqw_k15_ltb .section}",
        "Examiner or Examiner Reviewer Resources {#section_vqw_k15_ltb .section}",
        "Consumer Complaints Roles {#section_crw_k15_ltb .section}",
        "Complaint Supervisor Resources {#section_frw_k15_ltb .section}",
        "Complaint Manager Resources {#section_o52_cpw_k5b .section}",
        "Agency POC {#section_irw_k15_ltb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/getStart/topics/c_agency_SES_systemRoles.html",
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    {
      "id": "maps/SES/chapter/getStart/topics/c_agency_SES_systemRoles.md:chunk-2",
      "title": "SES Agency System Roles & Consumer Complaints Roles {#xd_639cae5476ab2d25--35e9ed5d-1808057a2e5--7fea .concept}",
      "content": "d Confirming Decisions\n-   Taking Action on Your Exam Scheduling \"To Do\" List\n\n**Information Sharing**\n\n-   Accepting a Supervisory Activity\n-   Leveraging Another Agency's Supervisory Activity\n-   Requesting Access to a Supervisory Activity\n-   Responding to an SA Access Request Using the Access Request Report\n-   Joining a Supervisory Activity\n-   Responding to a Request to Join a Supervisory Activity\n\n**System Reporting**\n\n-   Viewing SA Reports\n-   Viewing the New Supervisory Activity Progress Report\n-   Viewing SAs with No EIC Assigned\n-   The Supervisory Activity Staffing Report\n-   Viewing Examiner History\n-   Viewing Examiner Availability\n-   Viewing Current Workload\n-   Viewing SA Assignment Overlap\n-   Viewing the SA IR Response Activity Report\n-   Suspending Document Retention\n-   Resuming Document Retention\n\n## Staff User Resources \n\n**Library Management**\n\n-   Understanding the Library\n-   Managing the Library\n\n**Supervisory Activity Management**[^1]\n\n-   Managing the Scope\n-   Defining the Plan\n-   Managing Agency Supervisory Activity Participants\n-   Assigning a Package Assembler\n-   Managing Report Commentary\n-   Bulk Downloading Supervisory Activity Documents\n-   Marking the Report Complete\n-   Marking Report Response from Company as Complete\n-   Closing and Locking a Supervisory Activity\n\n**System Reporting**\n\n-   Viewing SA Reports\n-   Viewing the New Supervisory Activity Progress Report\n-   Suspending Document Retention\n-   Resuming Document Retention\n\n**Note:** The roles and their descriptions above are different when leading or participating in a multi-state examination. For full details on all system roles and groups, see the SES Roles and Permissions Spreadsheet, available in the Agency User Roles and Permissions \\(Excel format\\).\n\n## Examiner or Examiner Reviewer Resources \n\n**Supervisory Activity Actions**\n\n-   **Scheduled**\n    -   Managing the Scope \\(as EIC\\)\n    -   Defining the Plan \\(as EIC\\)\n    -   Managing Agency Supervisory Activi",
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      "headings": [
        "SES Agency System Roles & Consumer Complaints Roles {#xd_639cae5476ab2d25--35e9ed5d-1808057a2e5--7fea .concept}",
        "Roles {#section_dqw_k15_ltb .section}",
        "Staff Director Resources {#section_jqw_k15_ltb .section}",
        "Staff User Resources {#section_qqw_k15_ltb .section}",
        "Examiner or Examiner Reviewer Resources {#section_vqw_k15_ltb .section}",
        "Consumer Complaints Roles {#section_crw_k15_ltb .section}",
        "Complaint Supervisor Resources {#section_frw_k15_ltb .section}",
        "Complaint Manager Resources {#section_o52_cpw_k5b .section}",
        "Agency POC {#section_irw_k15_ltb .section}"
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    {
      "id": "maps/SES/chapter/getStart/topics/c_agency_SES_systemRoles.md:chunk-3",
      "title": "SES Agency System Roles & Consumer Complaints Roles {#xd_639cae5476ab2d25--35e9ed5d-1808057a2e5--7fea .concept}",
      "content": " Examiner Reviewer Resources \n\n**Supervisory Activity Actions**\n\n-   **Scheduled**\n    -   Managing the Scope \\(as EIC\\)\n    -   Defining the Plan \\(as EIC\\)\n    -   Managing Agency Supervisory Activity Participants \\(as EIC\\)\n    -   Reviewing the Scope as the Primary Reviewer\n-   **Planning**\n    -   Add and Remove Information Requests\n    -   Sending Information Requests to the Company\n-   **In-Flight**\n    -   Conducting the Exam: Reviewing Information Request Responses\n    -   Procedures\n    -   Findings\n    -   Conducting the Exam: Marking an Area for Review \\(AFR\\) Complete\n    -   Managing Loan File Requests\n    -   Reviewing Loan Request Responses\n    -   Managing Report Commentary\n-   **Drafting**\n    -   Exporting Report Commentary\n    -   Preparing and Uploading the Report of Examination\n    -   Sending the Report for Review\n    -   Reviewing the Report \\(only examiners with the Reviewer role on the SA can be assigned to this workflow\\)\n    -   Peer Reviewing the Report \\(any participant on the exam can review the report using this workflow regardless of SA role\\)\n    -   Marking the Report Complete\n    -   Adding Matters Requiring Attention\n    -   Assigning a Package Assembler\n    -   Assembling and Sending the Report Package to the Company\n-   **Close-out**\n    -   Scheduling the Exit Meeting\n    -   Managing Time and Expenses\n    -   Marking Report Response from Company as Complete\n    -   Entering Close Out Information\n    -   Updating Close Out Information\n\n## Consumer Complaints Roles \n\nOther than staff directors, users who exclusively use SES Consumer Complaints only need to be assigned a Consumer Complaints role. They do not need to be assigned a supervisory activity role. A single user can only hold one Consumer Complaints role.\n\n|Role|Complaint Supervisor|Complaint Manager|Complaint Viewer|\n|----|--------------------|-----------------|----------------|\n|Description|Has all permissions and receives all notifications for all complaints. Responsi",
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      "relative_path": "maps\\SES\\chapter\\getStart\\topics\\c_agency_SES_systemRoles.md",
      "headings": [
        "SES Agency System Roles & Consumer Complaints Roles {#xd_639cae5476ab2d25--35e9ed5d-1808057a2e5--7fea .concept}",
        "Roles {#section_dqw_k15_ltb .section}",
        "Staff Director Resources {#section_jqw_k15_ltb .section}",
        "Staff User Resources {#section_qqw_k15_ltb .section}",
        "Examiner or Examiner Reviewer Resources {#section_vqw_k15_ltb .section}",
        "Consumer Complaints Roles {#section_crw_k15_ltb .section}",
        "Complaint Supervisor Resources {#section_frw_k15_ltb .section}",
        "Complaint Manager Resources {#section_o52_cpw_k5b .section}",
        "Agency POC {#section_irw_k15_ltb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/getStart/topics/c_agency_SES_systemRoles.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/getStart/topics/c_agency_SES_systemRoles.md:chunk-4",
      "title": "SES Agency System Roles & Consumer Complaints Roles {#xd_639cae5476ab2d25--35e9ed5d-1808057a2e5--7fea .concept}",
      "content": "pervisor|Complaint Manager|Complaint Viewer|\n|----|--------------------|-----------------|----------------|\n|Description|Has all permissions and receives all notifications for all complaints. Responsible for accepting or rejecting complaint access requests from other agencies.|Has all permissions for all complaints except for the ability to accept or reject access requests to a complaint. Does not receive notifications from the Discussion Board when “All Agency” is tagged in a post.|View-only access to all complaints. Does not receive any notifications and cannot take any actions.|\n\n**Note:** These roles and descriptions are different depending on whether you are the agency that owns a complaint or if you are an agency that has access to a complaint. For full details on all system user roles and groups, see the SES Roles and Permissions Spreadsheet, available in the Agency User Roles and Permissions \\(Excel format\\).\n\n## Complaint Supervisor Resources \n\nAll resources listed for the complaint manager below are also relevant for the complaint supervisor.\n\n-   Accepting or Rejecting Access to a Complaint Using the Access Request Report\n-   Accepting or Rejecting Access to a Complaint from the Homepage Widget\n-   Requesting Access to a Complaint\n-   Removing Agency Access from the Access Request Report Page\n-   Removing Agency Access from a Complaint Record\n-   Complaints Referrals\n-   Accepting or Rejecting a Complaint Referral\n\n## Complaint Manager Resources \n\n-   Initiating a Complaint\n-   Searching for the Subject of a Complaint\n-   Entering a Complaint\n-   Complaints Referrals\n-   Enrolling a Company User for Exams or Complaints\n-   Agency Guidelines to Enroll New Companies in SES\n-   Creating a Non-NMLS Entity\n-   Accessing the Discussion for a Non-NMLS Entity\n-   SES Account Creation for Entities Not Managed in NMLS\n-   Creating a Non-NMLS Entity\n-   Canceling a Complaint\n-   Updating a Complaint\n-   Changing the Subject of a Complaint\n-   Completing Preliminary ",
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      "relative_path": "maps\\SES\\chapter\\getStart\\topics\\c_agency_SES_systemRoles.md",
      "headings": [
        "SES Agency System Roles & Consumer Complaints Roles {#xd_639cae5476ab2d25--35e9ed5d-1808057a2e5--7fea .concept}",
        "Roles {#section_dqw_k15_ltb .section}",
        "Staff Director Resources {#section_jqw_k15_ltb .section}",
        "Staff User Resources {#section_qqw_k15_ltb .section}",
        "Examiner or Examiner Reviewer Resources {#section_vqw_k15_ltb .section}",
        "Consumer Complaints Roles {#section_crw_k15_ltb .section}",
        "Complaint Supervisor Resources {#section_frw_k15_ltb .section}",
        "Complaint Manager Resources {#section_o52_cpw_k5b .section}",
        "Agency POC {#section_irw_k15_ltb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/getStart/topics/c_agency_SES_systemRoles.html",
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    {
      "id": "maps/SES/chapter/getStart/topics/c_agency_SES_systemRoles.md:chunk-5",
      "title": "SES Agency System Roles & Consumer Complaints Roles {#xd_639cae5476ab2d25--35e9ed5d-1808057a2e5--7fea .concept}",
      "content": " Account Creation for Entities Not Managed in NMLS\n-   Creating a Non-NMLS Entity\n-   Canceling a Complaint\n-   Updating a Complaint\n-   Changing the Subject of a Complaint\n-   Completing Preliminary Review of a Complaint\n-   Complaints Referrals\n-   Adding an Information Request to a Complaint\n-   Sending an Information Request to the Company\n-   Managing Information Requests for Complaints\n-   Reviewing Information Request Responses for Complaints\n-   Adding Research and Communication to a Complaint\n-   Entering Alleged Violations\n-   Closing a Complaint\n-   Reopening a Complaint\n-   SES Complaints Agency Referral Report\n-   Viewing Complaints Reports\n-   Viewing the New Complaint Progress Report\n-   Viewing the Complaint IR Response Activity Report\n\n## Agency POC \n\nThe Agency POC is responsible for managing the complaint from start to finish. SES automatically assigns the Agency POC role to the user who enters a complaint into the system unless the complaint is sent for preliminary review. In that case, the person conducting the preliminary review has the option to select an Agency POC for the complaint.\n\n**Note:** Only the agency POC and complaint supervisor can send information requests to the company.\n\n[^1]: When staff user is added as a participant from the lead agency on a supervisory activity.",
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        "Roles {#section_dqw_k15_ltb .section}",
        "Staff Director Resources {#section_jqw_k15_ltb .section}",
        "Staff User Resources {#section_qqw_k15_ltb .section}",
        "Examiner or Examiner Reviewer Resources {#section_vqw_k15_ltb .section}",
        "Consumer Complaints Roles {#section_crw_k15_ltb .section}",
        "Complaint Supervisor Resources {#section_frw_k15_ltb .section}",
        "Complaint Manager Resources {#section_o52_cpw_k5b .section}",
        "Agency POC {#section_irw_k15_ltb .section}"
      ],
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      "snippet": null
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    {
      "id": "maps/SES/chapter/getStart/topics/c_companyQS.md:chunk-0",
      "title": "SES Quick Start Guide for Companies {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7fe8 .concept}",
      "content": "# SES Quick Start Guide for Companies \n\nThe State Examination System \\(SES\\) is a one-stop-shop for financial services industry supervision that brings an agency’s entire engagement with companies onto a single platform, which in turn brings efficiencies to state supervision.\n\n## About SES \n\nIt is a web-based platform managed by the Conference of State Bank Supervisors \\(CSBS\\). The purpose of SES is to support the supervision and complaints processes for state regulators and the companies they supervise.\n\n**Relevant Resources:**\n\n-   Tour of SES \\(Video\\)\n-   SES: One Modern System \\(Video\\)\n-   SES: One Uniform Process \\(Video\\)\n-   SES Email Notifications\n\n## Coming on to SES \n\nAn agency enrolls a company in SES for examination or complaint handling purposes. The agency kicks off the process by creating the first company user in SES. Once that company user is created in the system, the agency initiates the company’s enrollment in SES at which point the company user receives notifications to enroll in the system. This will most likely occur a few weeks before the company’s first exam in SES. It may happen much sooner for complaint handling.\n\n**Relevant Resource:**\n\n-   Company Enrollment in SES – How it Works\n\n## SES User Roles \n\nAny given user in SES will have at least one Account Type User role. If they are assigned to a Supervisory Activity \\(SA\\), they will have an additional role that is specific to that SA. In addition, a user may have a designation that grants them other abilities or limits them. Below is a summary of the user roles in SES and their capabilities.\n\nAccount Administrator\n:   This role is responsible for managing the company profile and user accounts.\n\n    -   Responsible for coming on to the State Examination System \\(SES\\)\n    -   Manages company user enrollment\n    -   Creates and manages users\n    -   Manages company contacts\n    -   Assigns or reassigns the Company POC for Complaints\n    -   Assigns or reassigns the Company Lead for SAs\n\n",
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      "headings": [
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        "About SES {#section_h1v_dmv_qtb .section}",
        "Coming on to SES {#section_gzj_hnv_qtb .section}",
        "SES User Roles {#section_ohl_jnv_qtb .section}",
        "Supervisory Activities in SES {#section_uq3_vmv_qtb .section}",
        "SES Complaints {#section_ych_wzv_qtb .section}",
        "SES Hours of Operation {#section_a2n_fmv_qtb .section}"
      ],
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    {
      "id": "maps/SES/chapter/getStart/topics/c_companyQS.md:chunk-1",
      "title": "SES Quick Start Guide for Companies {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7fe8 .concept}",
      "content": "y user enrollment\n    -   Creates and manages users\n    -   Manages company contacts\n    -   Assigns or reassigns the Company POC for Complaints\n    -   Assigns or reassigns the Company Lead for SAs\n\n    **Relevant Resources:**\n\n    -   SES Company User Roles Matrix\n    -   Activating Your Okta Account for SES\n    -   Assigning Company Contacts\n    -   Managing Company User Accounts\n    -   Creating and Removing Company Users\n    -   Creating and Removing Third-Party Users\n    -   Assigning and Reassigning the Company POC\n    -   Assigning the Company Lead on a Supervisory Activity\n\nLeader\n:   This role identifies a user account as being eligible to be assigned as a Company Lead to a specific supervisory activity.\n\n    -   Can hold the Company Lead or the Contributor roles on an SA\n    -   Drafts responses to information requests\n\n    If assigned a Consumer Complaints role with **Manage Complaints** permission:\n\n    -   Draft responses to information requests on a complaint\n    -   If assigned as *Company POC* on a complaint, can send responses to information requests to the agency\n\nLeader as Company Lead\n:   This role is responsible for managing the company’s participation in the SA, from start to finish.\n\n    -   Manages participants on an SA\n    -   Can reassign company lead\n    -   Reviews all information request responses\n    -   Sends responses to information requests to the agency\n    -   Views exit meeting details\n    -   Responds to the report \\(if applicable\\) \\[Leveraged or Accepted Supervisory Activities\\]\n    -   Drafts and send responses to matters requiring attention \\(if applicable\\)\n\nCoordinator\n:   This role helps manage the company’s participation in the SA.\n\n    -   Assigns Contributors to an SA\n    -   Works on responses to information requests\n    -   Works on response and sends response to the report\n    -   Views exit meeting details\n    -   Drafts and send responses to matters requiring attention \\(if applicable\\)\n\n    If assigned a Consumer",
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      "headings": [
        "SES Quick Start Guide for Companies {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7fe8 .concept}",
        "About SES {#section_h1v_dmv_qtb .section}",
        "Coming on to SES {#section_gzj_hnv_qtb .section}",
        "SES User Roles {#section_ohl_jnv_qtb .section}",
        "Supervisory Activities in SES {#section_uq3_vmv_qtb .section}",
        "SES Complaints {#section_ych_wzv_qtb .section}",
        "SES Hours of Operation {#section_a2n_fmv_qtb .section}"
      ],
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    {
      "id": "maps/SES/chapter/getStart/topics/c_companyQS.md:chunk-2",
      "title": "SES Quick Start Guide for Companies {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7fe8 .concept}",
      "content": "-   Works on response and sends response to the report\n    -   Views exit meeting details\n    -   Drafts and send responses to matters requiring attention \\(if applicable\\)\n\n    If assigned a Consumer Complaints role:\n\n    -   Draft responses to information requests on a complaint\n\nContributor\n:   This role supports the Company Lead in completing the tasks outlined in the SA.\n\n    -   Can be assigned a participant on a supervisory activity\n    -   Drafts responses to information requests\n    -   Views the report\n    -   Drafts responses to matters requiring attention\n    -   Adds interactions\n\n    If assigned a Consumer Complaints role:\n\n    -   Draft responses to information requests on a complaint\n    -   If assigned as *Company POC* on a complaint, can send responses to information requests to the agency\n\nThird Party User\n:   This role can be assigned to any user that is outside the company \\(i.e. counsel, outside contractors, etc.\\). This user must be identified as a Third-Party user in the system. The Third-party User can have either a Company Lead or Contributor role on Supervisory Activities and only have detail level access to those SAs that they are a participant on.\n\n## Supervisory Activities in SES \n\nGetting Started\n:   The Supervisory Activity Contact at your company will receive an email when an Examiner sends any component of the supervisory activity in the system. The first task will be to assign the Company Lead. Next, additional participants can be added.\n\n    **Relevant Resources:**\n\n    -   Assigning the Company Lead on a Supervisory Activity\n    -   Managing Company Supervisory Activity Participants\n    -   Managing Interactions\n\nInformation Requests \\(IRs\\)\n:   Company Leads can assign areas for review to contributors so they can draft information request responses. Company Leads can review & update responses & send them to the agency.\n\n    **Relevant Resources:**\n\n    -   Responding to Supervisory Activity Information Requests\n    -   Assigning",
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        "About SES {#section_h1v_dmv_qtb .section}",
        "Coming on to SES {#section_gzj_hnv_qtb .section}",
        "SES User Roles {#section_ohl_jnv_qtb .section}",
        "Supervisory Activities in SES {#section_uq3_vmv_qtb .section}",
        "SES Complaints {#section_ych_wzv_qtb .section}",
        "SES Hours of Operation {#section_a2n_fmv_qtb .section}"
      ],
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      "id": "maps/SES/chapter/getStart/topics/c_companyQS.md:chunk-3",
      "title": "SES Quick Start Guide for Companies {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7fe8 .concept}",
      "content": "equest responses. Company Leads can review & update responses & send them to the agency.\n\n    **Relevant Resources:**\n\n    -   Responding to Supervisory Activity Information Requests\n    -   Assigning Information Requests \\(IRs\\)\n\nLoan Requests\n:   Similar to IRs, mortgage or consumer finance industries may receive requests for loan files. Company Leads can assign loan requests to contributors to draft responses and send to agency.\n\n    **Relevant Resources:**\n\n    -   Responding to Loan Requests\n    -   Sending LR Responses to the Agency in Bulk\n\nReport of Examination\n:   The company will receive the Report through the system and will be able to respond if required or allowed by the agency.\n\n    **Relevant Resource:**\n\n    -   Responding to the Report\n\nMatters Requiring Attention\n:   The company can respond to Matters Requiring Attention \\(MRA\\), if applicable. Please note, if an MRA is left in in progress status, the **Assign Package Assembler** button will not be visible if a Package Assembler has not been assigned.\n\n    **Relevant Resource:**\n\n    -   Responding to Matters Requiring Attention\n\n## SES Complaints \n\nConsumer Complaints Roles\n:   Users assigned a Consumer Complaints role with the Manage Complaints permission \\(see Managing Company User Accounts\\) must also be assigned at least one of the roles listed in SES User Roles. All users assigned to the complaints group can view and participate on complaints for your company in SES.\n\n    **Relevant Resources:**\n\n    -   Assigning and Reassigning the Company POC\n    -   Responding to a Complaint Information Request\n\nGetting Started\n:   The Complaints Contact \\(see Assigning Company Contacts\\) at your company receives an email when an agency sends your company a complaint with information requests in the system. The first task is to assign the Complaint Point of Contact \\(POC\\).\n\n    **Relevant Resources:**\n\n    -   Assigning and Reassigning the Company POC\n    -   Updating the Complaints Contact\n    -   Viewi",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\getStart\\topics\\c_companyQS.md",
      "relative_path": "maps\\SES\\chapter\\getStart\\topics\\c_companyQS.md",
      "headings": [
        "SES Quick Start Guide for Companies {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7fe8 .concept}",
        "About SES {#section_h1v_dmv_qtb .section}",
        "Coming on to SES {#section_gzj_hnv_qtb .section}",
        "SES User Roles {#section_ohl_jnv_qtb .section}",
        "Supervisory Activities in SES {#section_uq3_vmv_qtb .section}",
        "SES Complaints {#section_ych_wzv_qtb .section}",
        "SES Hours of Operation {#section_a2n_fmv_qtb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/getStart/topics/c_companyQS.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/getStart/topics/c_companyQS.md:chunk-4",
      "title": "SES Quick Start Guide for Companies {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7fe8 .concept}",
      "content": "he first task is to assign the Complaint Point of Contact \\(POC\\).\n\n    **Relevant Resources:**\n\n    -   Assigning and Reassigning the Company POC\n    -   Updating the Complaints Contact\n    -   Viewing a Complaint\n\nInformation Requests\n:   The agency sends information requests to your company. The user assigned as the Complaint POC can send information request responses back to the agency, but all users assigned a Consumer Complaints role can view and participate.\n\n    **Relevant Resource:**\n\n    -   Responding to a Complaint Information Request\n\n## SES Hours of Operation \n\n\n\nDay of the Week\n\n\n\nFull Access\n\n\n\nLimited Access[^1]\n\n\n\n**All Times Eastern**\n\n\n\nMonday through Friday\n\n\n\n9:00 AM – 6:00 PM\n\n\n\n6:00 PM – 9:00 AM\n\n\n\nSaturday & Sunday\n\n\n\n \n\n\n\nAll Day\n\n\n\nNew Year's Day\n\n Martin Luther King Jr. Day\n\n President's Day\n\n Memorial Day\n\n Juneteenth\n\n Independence Day\n\n Labor Day\n\n Thanksgiving Day\n\n Christmas Day.\n\n\n\n \n\n\n\nAll Day\n\n\n## Company User Support \n\n**Call**: 1-800-269-6189\n\n**Hours**: Mon - Fri; 9:00 AM – 6:00 PM\n\n*Call center support is unavailable on the following holidays: New Year's Day, Martin Luther King Jr. Day, President's Day, Memorial Day, Juneteenth, Independence Day, Labor Day, Thanksgiving Day, and Christmas Day.*\n\n[^1]: During periods of Limited Availability, the System will be operational, but availability may not be guaranteed. The system may experience periods of planned or emergency maintenance.",
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      "relative_path": "maps\\SES\\chapter\\getStart\\topics\\c_companyQS.md",
      "headings": [
        "SES Quick Start Guide for Companies {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7fe8 .concept}",
        "About SES {#section_h1v_dmv_qtb .section}",
        "Coming on to SES {#section_gzj_hnv_qtb .section}",
        "SES User Roles {#section_ohl_jnv_qtb .section}",
        "Supervisory Activities in SES {#section_uq3_vmv_qtb .section}",
        "SES Complaints {#section_ych_wzv_qtb .section}",
        "SES Hours of Operation {#section_a2n_fmv_qtb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/getStart/topics/c_companyQS.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/getStart/topics/c_companySES_homePage.md:chunk-0",
      "title": "SES Home Page for Company Users {#xd_603f98912ed0dd72-5458a009-1829c666dae--7ff0 .concept}",
      "content": "# SES Home Page for Company Users \n\nThe home page is the main page and the first page you will see upon logging into SES. The page is dynamic, and the features and commands available depend on user roles and permissions.\n\nThe SES Home page is dynamic and some features are restricted to users with certain permissions. However, the general layout is the same for all users.\n\nThe top of the page has the menu that allows you to switch between the Supervisory Activities, QuickIR, and System Policies pages.\n\nThe body of the page feautres a summary of Supervisory Activities on the right, and task widgets on the left. If you have outstanding tasks from an agency, they will appear here. Below the task widgets is the **Manage Company Profile** button which allows you to view information about your company or companies, manage company users, and assign contacts at your company to receive information about supervisory activities and complaints.\n\nIf your user role has permission to view or process complaints, you will see the **Manage Complaints** button, which takes you to the Complaints home page.\n\nFor more information, see SES Quick Start Guide for Companies\n\n**Parent topic:**Company Guide to Getting Started with the State Examination System \\(SES\\)\n\n**Related information**  \n\nAbout the State Examination System \\(SES\\)\n\nCompany Set Up in SES\n\nCreating an NMLS Account to Establish Your SES Account\n\nSES Company User Roles Matrix\n\nAppendix A: SES URLs, Emails, & Requirements\n\nAppendix B: Initial Notification Emails\n\nAppendix C: SES Support Information",
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      "relative_path": "maps\\SES\\chapter\\getStart\\topics\\c_companySES_homePage.md",
      "headings": [
        "SES Home Page for Company Users {#xd_603f98912ed0dd72-5458a009-1829c666dae--7ff0 .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/getStart/topics/c_companySES_homePage.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/getStart/topics/c_company_GS_createNMLSaccount-1.md:chunk-0",
      "title": "Creating an NMLS Account to Establish Your SES Account {#xd_80647b36c08634d1--224c7740-180a488b21a--7fdf .concept}",
      "content": "# Creating an NMLS Account to Establish Your SES Account \n\nThe State Examination System uses company account information and IDs from the Nationwide Multistate Licensing System & Registry. To respond to an Examination or Complaint in SES, your company will need an SES account, which requires your company to have either an NMLS account or a Non-NMLS Entity Entity account.\n\nSES is an examination system built by state regulators for state regulators and the companies they supervise. SES is the only nationwide system connecting agencies and companies in the examination and investigation process. SES is also used to process Consumer Complaints received by the regulator.\n\nSES uses a secure data link to generate records for all licensed entities that are managed in NMLS, including non-depository companies and depository institutions.\n\nNon-depository companies not licensed in NMLS must complete the **NMLS Account Request Form** to become users of SES. You will receive a notification from SES with account creation instructions.\n\nKeep in mind, you only need to complete the **NMLS Account Request Form**; you do not need to return to NMLS or complete any additional NMLS forms to proceed. Information submitted as part of the account request must be complete and accurate, to avoid delaying the processing of the request.\n\n-   **Completing the NMLS Account Request Form**  \nIf your company does not have an Nationwide Multistate Licensing System & Registry account, use this procedure to request an account and company ID in NMLS to enable your company to have an SES account for state regulatory Examination and Complaint processing.\n\n**Parent topic:**Company Guide to Getting Started with the State Examination System \\(SES\\)\n\n**Related information**  \n\nAbout the State Examination System \\(SES\\)\n\nSES Home Page for Company Users\n\nCompany Set Up in SES\n\nSES Company User Roles Matrix\n\nAppendix A: SES URLs, Emails, & Requirements\n\nAppendix B: Initial Notification Emails\n\nAppendix C: SES Supp",
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      "relative_path": "maps\\SES\\chapter\\getStart\\topics\\c_company_GS_createNMLSaccount-1.md",
      "headings": [
        "Creating an NMLS Account to Establish Your SES Account {#xd_80647b36c08634d1--224c7740-180a488b21a--7fdf .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/getStart/topics/c_company_GS_createNMLSaccount-1.html",
      "snippet": null
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    {
      "id": "maps/SES/chapter/getStart/topics/c_company_GS_createNMLSaccount-1.md:chunk-1",
      "title": "Creating an NMLS Account to Establish Your SES Account {#xd_80647b36c08634d1--224c7740-180a488b21a--7fdf .concept}",
      "content": "ES\\)\n\nSES Home Page for Company Users\n\nCompany Set Up in SES\n\nSES Company User Roles Matrix\n\nAppendix A: SES URLs, Emails, & Requirements\n\nAppendix B: Initial Notification Emails\n\nAppendix C: SES Support Information",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\getStart\\topics\\c_company_GS_createNMLSaccount-1.md",
      "relative_path": "maps\\SES\\chapter\\getStart\\topics\\c_company_GS_createNMLSaccount-1.md",
      "headings": [
        "Creating an NMLS Account to Establish Your SES Account {#xd_80647b36c08634d1--224c7740-180a488b21a--7fdf .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/getStart/topics/c_company_GS_createNMLSaccount-1.html",
      "snippet": null
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    {
      "id": "maps/SES/chapter/getStart/topics/c_company_GS_createNMLSaccount.md:chunk-0",
      "title": "Creating an NMLS Account to Establish Your SES Account {#xd_80647b36c08634d1--224c7740-180a488b21a--7fdf .concept}",
      "content": "# Creating an NMLS Account to Establish Your SES Account \n\nThe State Examination System uses company account information and IDs from the Nationwide Multistate Licensing System & Registry. To respond to an Examination or Complaint in SES, your company will need an SES account, which requires your company to have either an NMLS account or a Non-NMLS Entity Entity account.\n\nSES is an examination system built by state regulators for state regulators and the companies they supervise. SES is the only nationwide system connecting agencies and companies in the examination and investigation process. SES is also used to process Consumer Complaints received by the regulator.\n\nSES uses a secure data link to generate records for all licensed entities that are managed in NMLS, including non-depository companies and depository institutions.\n\nNon-depository companies not licensed in NMLS must complete the **NMLS Account Request Form** to become users of SES. You will receive a notification from SES with account creation instructions.\n\nKeep in mind, you only need to complete the **NMLS Account Request Form**; you do not need to return to NMLS or complete any additional NMLS forms to proceed. Information submitted as part of the account request must be complete and accurate, to avoid delaying the processing of the request.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\getStart\\topics\\c_company_GS_createNMLSaccount.md",
      "relative_path": "maps\\SES\\chapter\\getStart\\topics\\c_company_GS_createNMLSaccount.md",
      "headings": [
        "Creating an NMLS Account to Establish Your SES Account {#xd_80647b36c08634d1--224c7740-180a488b21a--7fdf .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/getStart/topics/c_company_GS_createNMLSaccount.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/getStart/topics/c_company_getStartSES.md:chunk-0",
      "title": "Company Guide to Getting Started with the State Examination System \\(SES\\) {#c_agency_getStartSES .concept}",
      "content": "# Company Guide to Getting Started with the State Examination System \\(SES\\) \n\nCertain state agencies have begun conducting examinations through a new supervision platform known as the State Examination System.\n\nThis new system was launched in a handful of state regulatory agencies in the fall of 2019. More state agencies are expected to use the system in 2020.\n\n-   **About the State Examination System \\(SES\\)**  \n State Examination System was developed by the Conference of State Bank Supervisors \\(CSBS\\), the same organization behind the Nationwide Multistate Licensing System & Registry. Just as NMLS supports the licensing process of state regulators and their licensed companies, State Examination System is now supporting the Examination and supervision processes.\n-   **SES Home Page for Company Users**  \nThe home page is the main page and the first page you will see upon logging into SES. The page is dynamic, and the features and commands available depend on user roles and permissions.\n-   **Company Set Up in SES**  \nGetting set up with State Examination System is simple. Prior to the start of an Examination, your company will receive two email notifications to log in and create a profile.\n-   **Creating an NMLS Account to Establish Your SES Account**  \nThe State Examination System uses company account information and IDs from the Nationwide Multistate Licensing System & Registry. To respond to an Examination or Complaint in SES, your company will need an SES account, which requires your company to have either an NMLS account or a Non-NMLS Entity Entity account.\n-   **SES Company User Roles Matrix**  \nAny given user in SES will have at least one Account Type User Role. In addition, a user may have a designation that grants them other abilities or limits them.\n-   **Appendix A: SES URLs, Emails, & Requirements**  \nState Examination System technology requirements, task and notification emails, and URLs.\n-   **Appendix B: Initial Notification Emails**  \nRefer below f",
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      "relative_path": "maps\\SES\\chapter\\getStart\\topics\\c_company_getStartSES.md",
      "headings": [
        "Company Guide to Getting Started with the State Examination System \\(SES\\) {#c_agency_getStartSES .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/getStart/topics/c_company_getStartSES.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/getStart/topics/c_company_getStartSES.md:chunk-1",
      "title": "Company Guide to Getting Started with the State Examination System \\(SES\\) {#c_agency_getStartSES .concept}",
      "content": "pendix A: SES URLs, Emails, & Requirements**  \nState Examination System technology requirements, task and notification emails, and URLs.\n-   **Appendix B: Initial Notification Emails**  \nRefer below for samples of the initial notifications that new company users will receive regarding their account set-up.\n-   **Appendix C: SES Support Information**  \nSupport phone number, support options, and hours of availability.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\getStart\\topics\\c_company_getStartSES.md",
      "relative_path": "maps\\SES\\chapter\\getStart\\topics\\c_company_getStartSES.md",
      "headings": [
        "Company Guide to Getting Started with the State Examination System \\(SES\\) {#c_agency_getStartSES .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/getStart/topics/c_company_getStartSES.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/getStart/topics/c_company_getStart_AboutSES.md:chunk-0",
      "title": "About the State Examination System \\(SES\\) {#c_agency_getStart_About .concept}",
      "content": "# About the State Examination System \\(SES\\) \n\nState Examination System was developed by the Conference of State Bank Supervisors \\(CSBS\\), the same organization behind the Nationwide Multistate Licensing System & Registry. Just as NMLS supports the licensing process of state regulators and their licensed companies, State Examination System is now supporting the Examination and supervision processes.\n\nState Examination System is a secure online platform that manages the end-to-end workflow for Examination, Investigation, enforcements and other Supervisory Activity of state licensed companies.\n\nYour company will interact with State Examination System in the following primary areas:\n\n-   The Information Requests process. The complete list of information requests for this Examination will be shared with your company through the system and your responses to this request will take place in the system.\n-   Receiving and responding to the Report of Examination. The report of examination and any follow-up items after the agency’s examination will be uploaded to State Examination System and your company will be able to respond to the Report of Examination and any follow-up items in the system.\n\n**Parent topic:**Company Guide to Getting Started with the State Examination System \\(SES\\)\n\n**Related information**  \n\nSES Home Page for Company Users\n\nCompany Set Up in SES\n\nCreating an NMLS Account to Establish Your SES Account\n\nSES Company User Roles Matrix\n\nAppendix A: SES URLs, Emails, & Requirements\n\nAppendix B: Initial Notification Emails\n\nAppendix C: SES Support Information",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\getStart\\topics\\c_company_getStart_AboutSES.md",
      "relative_path": "maps\\SES\\chapter\\getStart\\topics\\c_company_getStart_AboutSES.md",
      "headings": [
        "About the State Examination System \\(SES\\) {#c_agency_getStart_About .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/getStart/topics/c_company_getStart_AboutSES.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/getStart/topics/c_company_getStart_AppA-1.md:chunk-0",
      "title": "Appendix A: SES URLs, Emails, & Requirements {#c_company_getStart_AppA .concept}",
      "content": "# Appendix A: SES URLs, Emails, & Requirements \n\nState Examination System technology requirements, task and notification emails, and URLs.\n\n**Important:** Your company will receive SES notifications through email. Therefore, please ensure that the URLs and email addresses associated to SES, listed in this topic, are not blocked by your company’s internal security systems.\n\n## SES System Technology Requirements \n\nVisit State Examination System Technology Requirements for more details regarding the technical requirements for SES.\n\n## SES Task and Notification Emails \n\nThe following email addresses will be used to send notifications to State Examination System users. Please be sure State Examination System users are able to receive emails from these addresses.\n\n-   SES general notifications:noreply@nmls.org\n-   SES task notifications: admin@nmls.stateexaminationsystem.org\n-   SES authentication notifications: noreply@okta.com\n-   State agency single sign-on notifications: noreply@sso.csbs.org\n\n## SES URLs \n\nThe following websites may need to be accessed by users while using State Examination System and certain supporting systems for SES. Please be sure State Examination System users are able to freely access the following URLs.\n\n-   SES main site: https://ses.nmls.org\n-   Customer Relationship Management \\(CRM\\) system: nmlsportal-uat.csbs.org/csm\n-   Document management solution:\n    -   https://alfresco-ses-downloadservice-prod.srrcsbs.org/downloadservice/download\n    -   https://alfresco-ses-tronwebserver-prod.srrcsbs.org/preview/\n    -   https://alfresco-ses-prod.srrcsbs.org\n    -   https://alfresco-share-ses-prod.srrcsbs.org\n    -   https://alfresco-tokenservice-ses-prod.srrcsbs.org\n-   Okta home page \\(single sign-on solution\\): sso.nmls.org\n-   Multi-factor authentication: https://idprotect.vip.symantec.com/mainmenu.v\n-   FLEX \\(learning management system\\): https://www.csbstraining.org/\n\n**Parent topic:**Company Guide to Getting Started with the State Examinati",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\getStart\\topics\\c_company_getStart_AppA-1.md",
      "relative_path": "maps\\SES\\chapter\\getStart\\topics\\c_company_getStart_AppA-1.md",
      "headings": [
        "Appendix A: SES URLs, Emails, & Requirements {#c_company_getStart_AppA .concept}",
        "SES System Technology Requirements {#section_apc_kc1_ftb .section}",
        "SES Task and Notification Emails {#section_sh3_kc1_ftb .section}",
        "SES URLs {#section_ssl_kc1_ftb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/getStart/topics/c_company_getStart_AppA-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/getStart/topics/c_company_getStart_AppA-1.md:chunk-1",
      "title": "Appendix A: SES URLs, Emails, & Requirements {#c_company_getStart_AppA .concept}",
      "content": "cation: https://idprotect.vip.symantec.com/mainmenu.v\n-   FLEX \\(learning management system\\): https://www.csbstraining.org/\n\n**Parent topic:**Company Guide to Getting Started with the State Examination System \\(SES\\)\n\n**Related information**  \n\nAbout the State Examination System \\(SES\\)\n\nSES Home Page for Company Users\n\nCompany Set Up in SES\n\nCreating an NMLS Account to Establish Your SES Account\n\nSES Company User Roles Matrix\n\nAppendix B: Initial Notification Emails\n\nAppendix C: SES Support Information",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\getStart\\topics\\c_company_getStart_AppA-1.md",
      "relative_path": "maps\\SES\\chapter\\getStart\\topics\\c_company_getStart_AppA-1.md",
      "headings": [
        "Appendix A: SES URLs, Emails, & Requirements {#c_company_getStart_AppA .concept}",
        "SES System Technology Requirements {#section_apc_kc1_ftb .section}",
        "SES Task and Notification Emails {#section_sh3_kc1_ftb .section}",
        "SES URLs {#section_ssl_kc1_ftb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/getStart/topics/c_company_getStart_AppA-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/getStart/topics/c_company_getStart_AppA.md:chunk-0",
      "title": "Appendix A: SES URLs, Emails, & Requirements {#c_company_getStart_AppA .concept}",
      "content": "# Appendix A: SES URLs, Emails, & Requirements \n\nState Examination System technology requirements, task and notification emails, and URLs.\n\n**Important:** Your company will receive SES notifications through email. Therefore, please ensure that the URLs and email addresses associated to SES, listed in this topic, are not blocked by your company’s internal security systems.\n\n## SES System Technology Requirements \n\nVisit State Examination System Technology Requirements for more details regarding the technical requirements for SES.\n\n## SES Task and Notification Emails \n\nThe following email addresses will be used to send notifications to State Examination System users. Please be sure State Examination System users are able to receive emails from these addresses.\n\n-   SES general notifications:noreply@nmls.org\n-   SES task notifications: admin@nmls.stateexaminationsystem.org\n-   SES authentication notifications: noreply@okta.com\n-   State agency single sign-on notifications: noreply@sso.csbs.org\n\n## SES URLs \n\nThe following websites may need to be accessed by users while using State Examination System and certain supporting systems for SES. Please be sure State Examination System users are able to freely access the following URLs.\n\n-   SES main site: https://ses.nmls.org\n-   Customer Relationship Management \\(CRM\\) system: nmlsportal-uat.csbs.org/csm\n-   Document management solution:\n    -   https://alfresco-ses-downloadservice-prod.srrcsbs.org/downloadservice/download\n    -   https://alfresco-ses-tronwebserver-prod.srrcsbs.org/preview/\n    -   https://alfresco-ses-prod.srrcsbs.org\n    -   https://alfresco-share-ses-prod.srrcsbs.org\n    -   https://alfresco-tokenservice-ses-prod.srrcsbs.org\n-   Okta home page \\(single sign-on solution\\): sso.nmls.org\n-   Multi-factor authentication: https://idprotect.vip.symantec.com/mainmenu.v\n-   FLEX \\(learning management system\\): https://www.csbstraining.org/",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\getStart\\topics\\c_company_getStart_AppA.md",
      "relative_path": "maps\\SES\\chapter\\getStart\\topics\\c_company_getStart_AppA.md",
      "headings": [
        "Appendix A: SES URLs, Emails, & Requirements {#c_company_getStart_AppA .concept}",
        "SES System Technology Requirements {#section_apc_kc1_ftb .section}",
        "SES Task and Notification Emails {#section_sh3_kc1_ftb .section}",
        "SES URLs {#section_ssl_kc1_ftb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/getStart/topics/c_company_getStart_AppA.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/getStart/topics/c_company_getStart_AppB-1.md:chunk-0",
      "title": "Appendix B: Initial Notification Emails {#c_company_getStart_AppB .concept}",
      "content": "# Appendix B: Initial Notification Emails \n\nRefer below for samples of the initial notifications that new company users will receive regarding their account set-up.\n\n**Parent topic:**Company Guide to Getting Started with the State Examination System \\(SES\\)\n\n**Related information**  \n\nAbout the State Examination System \\(SES\\)\n\nSES Home Page for Company Users\n\nCompany Set Up in SES\n\nCreating an NMLS Account to Establish Your SES Account\n\nSES Company User Roles Matrix\n\nAppendix A: SES URLs, Emails, & Requirements\n\nAppendix C: SES Support Information",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\getStart\\topics\\c_company_getStart_AppB-1.md",
      "relative_path": "maps\\SES\\chapter\\getStart\\topics\\c_company_getStart_AppB-1.md",
      "headings": [
        "Appendix B: Initial Notification Emails {#c_company_getStart_AppB .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/getStart/topics/c_company_getStart_AppB-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/getStart/topics/c_company_getStart_AppB.md:chunk-0",
      "title": "Appendix B: Initial Notification Emails {#c_company_getStart_AppB .concept}",
      "content": "# Appendix B: Initial Notification Emails \n\nRefer below for samples of the initial notifications that new company users will receive regarding their account set-up.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\getStart\\topics\\c_company_getStart_AppB.md",
      "relative_path": "maps\\SES\\chapter\\getStart\\topics\\c_company_getStart_AppB.md",
      "headings": [
        "Appendix B: Initial Notification Emails {#c_company_getStart_AppB .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/getStart/topics/c_company_getStart_AppB.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/getStart/topics/c_company_getStart_SESsetup.md:chunk-0",
      "title": "Company Set Up in SES {#c_company_getStart_notification .concept}",
      "content": "# Company Set Up in SES \n\nGetting set up with State Examination System is simple. Prior to the start of an Examination, your company will receive two email notifications to log in and create a profile.\n\nOne of these emails will come from *SES notifications* and the other will come from *Okta \\(CSBS SSO\\)*, the single sign on solution used by SES \\(please refer to Appendix A: SES URLs, Emails, & Requirements and Appendix B: Initial Notification Emails.\n\nThe state regulatory Agency determines who will receive these notifications, likely the existing Examination Point of Contact at your company. From there, that individual can add and manage other users in your company. Once your company and its users are setup in the system, your company’s designated users will start receiving emails from the system about this examination and its associated tasks.\n\n1.  Company Enrollment in SES – How it Works  \nThis article is intended to help companies understand the process for getting enrolled in the State Examination System \\(SES\\).\n2.  Activating Your Okta Account for SES  \nThis section is intended to help companies understand how to activate and manage their Okta account as a part of the State Examination System \\(SES\\) enrollment process.\n3.  Registering with Google Authenticator  \nSES uses multi-factor authentication. You can use Google Authenticator or Symantec VIP for MFA. This topic explains how to install Google Authenticator on your mobile device and associate it with your SES account.\n4.  Registering with Symantec VIP  \nSES uses multi-factor authentication using either Google Authenticator or Symantec VIP. This topic explains how to install Symantec VIP on your mobile device and associate it with your SES account.\n5.  Logging in to SES for the First Time  \nOnce you have activated your Okta® account, and the company has access to SES, one of the first steps in the system is assigning the Supervisory Activity \\(SA\\) Contact and the Complaints Contact.\n\n**Parent topic:**Com",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\getStart\\topics\\c_company_getStart_SESsetup.md",
      "relative_path": "maps\\SES\\chapter\\getStart\\topics\\c_company_getStart_SESsetup.md",
      "headings": [
        "Company Set Up in SES {#c_company_getStart_notification .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/getStart/topics/c_company_getStart_SESsetup.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/getStart/topics/c_company_getStart_SESsetup.md:chunk-1",
      "title": "Company Set Up in SES {#c_company_getStart_notification .concept}",
      "content": "vated your Okta® account, and the company has access to SES, one of the first steps in the system is assigning the Supervisory Activity \\(SA\\) Contact and the Complaints Contact.\n\n**Parent topic:**Company Guide to Getting Started with the State Examination System \\(SES\\)\n\n**Related information**  \n\nAbout the State Examination System \\(SES\\)\n\nSES Home Page for Company Users\n\nCreating an NMLS Account to Establish Your SES Account\n\nSES Company User Roles Matrix\n\nAppendix A: SES URLs, Emails, & Requirements\n\nAppendix B: Initial Notification Emails\n\nAppendix C: SES Support Information",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\getStart\\topics\\c_company_getStart_SESsetup.md",
      "relative_path": "maps\\SES\\chapter\\getStart\\topics\\c_company_getStart_SESsetup.md",
      "headings": [
        "Company Set Up in SES {#c_company_getStart_notification .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/getStart/topics/c_company_getStart_SESsetup.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/getStart/topics/c_company_getStart_SESsupport.md:chunk-0",
      "title": "Appendix C: SES Support Information {#c_company_getStart_SESsupport .concept}",
      "content": "# Appendix C: SES Support Information \n\nSupport phone number, support options, and hours of availability.\n\n\n\nDay of the Week\n\n\n\nFull Access\n\n\n\nLimited Access[^1]\n\n\n\n**All Times Eastern**\n\n\n\nMonday through Friday\n\n\n\n9:00 AM – 6:00 PM\n\n\n\n6:00 PM – 9:00 AM\n\n\n\nSaturday & Sunday\n\n\n\n \n\n\n\nAll Day\n\n\n\nNew Year's Day\n\n Martin Luther King Jr. Day\n\n President's Day\n\n Memorial Day\n\n Juneteenth\n\n Independence Day\n\n Labor Day\n\n Thanksgiving Day\n\n Christmas Day.\n\n\n\n \n\n\n\nAll Day\n\n\n## Company User Support \n\n**Call**: 1-800-269-6189\n\n**Hours**: Mon - Fri; 9:00 AM – 6:00 PM\n\n*Call center support is unavailable on the following holidays: New Year's Day, Martin Luther King Jr. Day, President's Day, Memorial Day, Juneteenth, Independence Day, Labor Day, Thanksgiving Day, and Christmas Day.*\n\n**Parent topic:**Company Guide to Getting Started with the State Examination System \\(SES\\)\n\n**Related information**  \n\nAbout the State Examination System \\(SES\\)\n\nSES Home Page for Company Users\n\nCompany Set Up in SES\n\nCreating an NMLS Account to Establish Your SES Account\n\nSES Company User Roles Matrix\n\nAppendix A: SES URLs, Emails, & Requirements\n\nAppendix B: Initial Notification Emails\n\n[^1]: During periods of Limited Availability, the System will be operational, but availability may not be guaranteed. The system may experience periods of planned or emergency maintenance.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\getStart\\topics\\c_company_getStart_SESsupport.md",
      "relative_path": "maps\\SES\\chapter\\getStart\\topics\\c_company_getStart_SESsupport.md",
      "headings": [
        "Appendix C: SES Support Information {#c_company_getStart_SESsupport .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/getStart/topics/c_company_getStart_SESsupport.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/getStart/topics/c_company_userRoleMatrix-1.md:chunk-0",
      "title": "SES Company User Roles Matrix {#xd_80647b36c08634d1--224c7740-180a488b21a--7fdd .concept}",
      "content": "# SES Company User Roles Matrix \n\nAny given user in SES will have at least one Account Type User Role. In addition, a user may have a designation that grants them other abilities or limits them.\n\n## Introduction \n\nAny users are assigned to a Supervisory Activity will have an additional role that is specific to that SA. The attached document outlines each of these three categories \\(Account Type User Roles, Supervisory Activity Specific User Roles, and Additional SES User Designations\\).\n\n## System Level Account Type User Roles \n\nThese roles are assigned at the SES system level, typically do not change, and do not indicate the user is active in a specific supervisory activity.\n\n\n\n \n\n\n\nAccount Administrator\n\n\n\nLeader\n\n\n\nContributor\n\n\n\nDescription\n\n\n\nThis role is responsible for managing the company profile and user accounts. Assigns the Company Lead for SAs and the Company POC for consumer complaints.\n\n\n\nThis role identifies a user account as being eligible to be assigned as a Company Lead to a specific supervisory activity.\n\n\n\nThis role identifies a user account as being eligible to be assigned as a Contributor to a specific supervisory activity.\n\n\n\nTips\n\n\n\n-   1-3 Account Administrators per company\n-   Call Center may unlock user account\n\n\n\n-   User must be a Leader to be assigned as a Company Lead on an SA\n-   Call Center can not unlock user account\n\n\n\nCall Center can not unlock user account\n\n\n\nWho assigns role\n\n\n\nRegulatory Agency or Account Administrator\n\n\n\nRegulatory Agency or Account Administrator\n\n\n\nAccount Administrator\n\n\n\nCommunicates with Agency?\n\n\n\nYes\n\n\n\nNo\n\n\n\nNo\n\n\n\nActively involved in SA?\n\n\n\nNo\n\n\n\nNo; only if assigned to an SA\n\n\n\nNo; only if assigned to an SA\n\n\n## Consumer Complaints Role \n\nThis role is assigned by the Account Administrator and provides users access to specific features and tools.\n\n\n\n \n\n\n\nConsumer Complaints Role\n\n\n\nDescription\n\n\n\nAnyone who is assigned this role has access to SES Complaints\n\n\n\nTips\n\n\n\n-   All users with the same permis",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\getStart\\topics\\c_company_userRoleMatrix-1.md",
      "relative_path": "maps\\SES\\chapter\\getStart\\topics\\c_company_userRoleMatrix-1.md",
      "headings": [
        "SES Company User Roles Matrix {#xd_80647b36c08634d1--224c7740-180a488b21a--7fdd .concept}",
        "Introduction {#section_qt2_3tf_ntb .section}",
        "System Level Account Type User Roles {#section_rt2_3tf_ntb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/getStart/topics/c_company_userRoleMatrix-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/getStart/topics/c_company_userRoleMatrix-1.md:chunk-1",
      "title": "SES Company User Roles Matrix {#xd_80647b36c08634d1--224c7740-180a488b21a--7fdd .concept}",
      "content": "rs access to specific features and tools.\n\n\n\n \n\n\n\nConsumer Complaints Role\n\n\n\nDescription\n\n\n\nAnyone who is assigned this role has access to SES Complaints\n\n\n\nTips\n\n\n\n-   All users with the same permissions \\(View or Manage Complaints\\) have the same access to complaints, unless they are assigned a Complaint Specific User Role \\(i.e. Company POC\\)\n-   Can be assigned to users with a general SES Account Type User Role\n\n\n\nWho assigns role\n\n\n\nAccount Administrator\n\n\n## Supervisory Activity Specific User Roles \n\nThese roles are assigned at the exam/supervisory activity level, frequently change by exam, and indicate what the user can do in a specific supervisory activity.\n\n\n\n \n\n\n\nCompany Lead\n\n\n\nContributor\n\n\n\nCoordinator\n\n\n\nThird Party\n\n\n\nDescription\n\n\n\nThis role is responsible for managing the company’s participation in the SA.\n\n\n\nThis role supports the Company Lead in completing the tasks outlined in the SA.\n\n\n\nThis role helps manage the company’s participation in the SA.\n\n\n\nThis role can only be assigned to users assigned the Third Party role in the system and supports the Company Lead in completing the tasks outlined in the SA.\n\n\n\nTips\n\n\n\n-   Required role and is the main point of contact with the Agency about the SA\n-   Role can be assigned to a Third Party User\n\n\n\nOptional role not required for the company to successfully complete the SA.\n\n\n\n-   Optional role not required for the company to successfully complete the SA\n-   Role can be assigned to a Third Party User\n\n\n\nThird party users can be added at the system level by the company account administrator. This is an optional role that is not required for the company to successfully complete the SA.\n\n\n\nWho assigns role\n\n\n\nSA Contact\n\n\n\nCompany Lead\n\n\n\nAccount Administrator or Company Lead\n\n\n\nCompany Lead or SA Contact.\n\n\n\nCommunicates with Agency?\n\n\n\nYes\n\n\n\nNo\n\n\n\nYes\n\n\n\nNo, unless they are the company lead for an SA.\n\n\n\nActively involved in SA?\n\n\n\nYes\n\n\n\nYes\n\n\n\nYes\n\n\n\nYes\n\n\n## Complaint Specific User Roles \n\nThis ro",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\getStart\\topics\\c_company_userRoleMatrix-1.md",
      "relative_path": "maps\\SES\\chapter\\getStart\\topics\\c_company_userRoleMatrix-1.md",
      "headings": [
        "SES Company User Roles Matrix {#xd_80647b36c08634d1--224c7740-180a488b21a--7fdd .concept}",
        "Introduction {#section_qt2_3tf_ntb .section}",
        "System Level Account Type User Roles {#section_rt2_3tf_ntb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/getStart/topics/c_company_userRoleMatrix-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/getStart/topics/c_company_userRoleMatrix-1.md:chunk-2",
      "title": "SES Company User Roles Matrix {#xd_80647b36c08634d1--224c7740-180a488b21a--7fdd .concept}",
      "content": "\n\n\nCommunicates with Agency?\n\n\n\nYes\n\n\n\nNo\n\n\n\nYes\n\n\n\nNo, unless they are the company lead for an SA.\n\n\n\nActively involved in SA?\n\n\n\nYes\n\n\n\nYes\n\n\n\nYes\n\n\n\nYes\n\n\n## Complaint Specific User Roles \n\nThis role is assigned only to an individual at the complaints level and may frequently change by complaint.\n\n**Note:** Only the account administrators at a company can add and manage other company users.\n\n\n\n \n\n\n\nComplaints Company POC\n\n\n\nDescription\n\n\n\nThe Complaints Company POC is the individual responsible for sending complaint IR responses to the agency. This person can also review and update responses drafted by other complaints users.\n\n\n\nTips\n\n\n\n-   Main point of contact with the Agency POC on the complaint\n-   Role is required for the processing of the complaint by the company\n-   Communicates with Agency\n-   Actively involved in Complaint\n\n\n\nWho assigns role\n\n\n\n-   Complaints Contact\n-   Reassigned by Complaints Contact, Account Administrator, and current Company POC\n-   User must first be assigned a Consumer Complaints role\n\n\n## Additional SES User Designations \n\nThese designations identify additional responsibilities or limitations given to a SA Specific User Role. The designation is made at the system level and may or may not indicate an active role in a specific supervisory activity or complaint.\n\n\n\n \n\n\n\nSA Contact\n\n\n\nComplaints Contact\n\n\n\nDescription\n\n\n\nUser receives the initial notification of an SA from the Agency and is responsible for managing the Company Lead assigned to an SA.\n\n\n\nThe Company Complaints Contact is the user who received the initial notification of a new Complaint in SES and is responsible for managing the Company POC assigned to the Complaint.\n\n\n\nTips\n\n\n\n-   Must be assigned during the onboarding process initiated by the Agency\n-   Communicates with Agency\n-   Not actively involved in SA\n\n\n\n-   Must be assigned during the onboarding process initiated by the Agency\n-   Communicates with Agency\n-   Not actively involved in SA\n\n\n\nWho assigns role\n",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\getStart\\topics\\c_company_userRoleMatrix-1.md",
      "relative_path": "maps\\SES\\chapter\\getStart\\topics\\c_company_userRoleMatrix-1.md",
      "headings": [
        "SES Company User Roles Matrix {#xd_80647b36c08634d1--224c7740-180a488b21a--7fdd .concept}",
        "Introduction {#section_qt2_3tf_ntb .section}",
        "System Level Account Type User Roles {#section_rt2_3tf_ntb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/getStart/topics/c_company_userRoleMatrix-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/getStart/topics/c_company_userRoleMatrix-1.md:chunk-3",
      "title": "SES Company User Roles Matrix {#xd_80647b36c08634d1--224c7740-180a488b21a--7fdd .concept}",
      "content": "h Agency\n-   Not actively involved in SA\n\n\n\n-   Must be assigned during the onboarding process initiated by the Agency\n-   Communicates with Agency\n-   Not actively involved in SA\n\n\n\nWho assigns role\n\n\n\nAccount Administrator\n\n\n\nAccount Administrator\n\n\n**Parent topic:**Company Guide to Getting Started with the State Examination System \\(SES\\)\n\n**Related information**  \n\nAbout the State Examination System \\(SES\\)\n\nSES Home Page for Company Users\n\nCompany Set Up in SES\n\nCreating an NMLS Account to Establish Your SES Account\n\nAppendix A: SES URLs, Emails, & Requirements\n\nAppendix B: Initial Notification Emails\n\nAppendix C: SES Support Information\n\nUpdating Company User Roles\n\nCreating Third-Party Users\n\nCreating a Company User",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\getStart\\topics\\c_company_userRoleMatrix-1.md",
      "relative_path": "maps\\SES\\chapter\\getStart\\topics\\c_company_userRoleMatrix-1.md",
      "headings": [
        "SES Company User Roles Matrix {#xd_80647b36c08634d1--224c7740-180a488b21a--7fdd .concept}",
        "Introduction {#section_qt2_3tf_ntb .section}",
        "System Level Account Type User Roles {#section_rt2_3tf_ntb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/getStart/topics/c_company_userRoleMatrix-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/getStart/topics/c_company_userRoleMatrix.md:chunk-0",
      "title": "SES Company User Roles Matrix {#xd_80647b36c08634d1--224c7740-180a488b21a--7fdd .concept}",
      "content": "# SES Company User Roles Matrix \n\nAny given user in SES will have at least one Account Type User Role. In addition, a user may have a designation that grants them other abilities or limits them.\n\n## Introduction \n\nAny users are assigned to a Supervisory Activity will have an additional role that is specific to that SA. The attached document outlines each of these three categories \\(Account Type User Roles, Supervisory Activity Specific User Roles, and Additional SES User Designations\\).\n\n## System Level Account Type User Roles \n\nThese roles are assigned at the SES system level, typically do not change, and do not indicate the user is active in a specific supervisory activity.\n\n\n\n \n\n\n\nAccount Administrator\n\n\n\nLeader\n\n\n\nContributor\n\n\n\nDescription\n\n\n\nThis role is responsible for managing the company profile and user accounts. Assigns the Company Lead for SAs and the Company POC for consumer complaints.\n\n\n\nThis role identifies a user account as being eligible to be assigned as a Company Lead to a specific supervisory activity.\n\n\n\nThis role identifies a user account as being eligible to be assigned as a Contributor to a specific supervisory activity.\n\n\n\nTips\n\n\n\n-   1-3 Account Administrators per company\n-   Call Center may unlock user account\n\n\n\n-   User must be a Leader to be assigned as a Company Lead on an SA\n-   Call Center can not unlock user account\n\n\n\nCall Center can not unlock user account\n\n\n\nWho assigns role\n\n\n\nRegulatory Agency or Account Administrator\n\n\n\nRegulatory Agency or Account Administrator\n\n\n\nAccount Administrator\n\n\n\nCommunicates with Agency?\n\n\n\nYes\n\n\n\nNo\n\n\n\nNo\n\n\n\nActively involved in SA?\n\n\n\nNo\n\n\n\nNo; only if assigned to an SA\n\n\n\nNo; only if assigned to an SA\n\n\n## Consumer Complaints Role \n\nThis role is assigned by the Account Administrator and provides users access to specific features and tools.\n\n\n\n \n\n\n\nConsumer Complaints Role\n\n\n\nDescription\n\n\n\nAnyone who is assigned this role has access to SES Complaints\n\n\n\nTips\n\n\n\n-   All users with the same permis",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\getStart\\topics\\c_company_userRoleMatrix.md",
      "relative_path": "maps\\SES\\chapter\\getStart\\topics\\c_company_userRoleMatrix.md",
      "headings": [
        "SES Company User Roles Matrix {#xd_80647b36c08634d1--224c7740-180a488b21a--7fdd .concept}",
        "Introduction {#section_qt2_3tf_ntb .section}",
        "System Level Account Type User Roles {#section_rt2_3tf_ntb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/getStart/topics/c_company_userRoleMatrix.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/getStart/topics/c_company_userRoleMatrix.md:chunk-1",
      "title": "SES Company User Roles Matrix {#xd_80647b36c08634d1--224c7740-180a488b21a--7fdd .concept}",
      "content": "rs access to specific features and tools.\n\n\n\n \n\n\n\nConsumer Complaints Role\n\n\n\nDescription\n\n\n\nAnyone who is assigned this role has access to SES Complaints\n\n\n\nTips\n\n\n\n-   All users with the same permissions \\(View or Manage Complaints\\) have the same access to complaints, unless they are assigned a Complaint Specific User Role \\(i.e. Company POC\\)\n-   Can be assigned to users with a general SES Account Type User Role\n\n\n\nWho assigns role\n\n\n\nAccount Administrator\n\n\n## Supervisory Activity Specific User Roles \n\nThese roles are assigned at the exam/supervisory activity level, frequently change by exam, and indicate what the user can do in a specific supervisory activity.\n\n\n\n \n\n\n\nCompany Lead\n\n\n\nContributor\n\n\n\nCoordinator\n\n\n\nThird Party\n\n\n\nDescription\n\n\n\nThis role is responsible for managing the company’s participation in the SA.\n\n\n\nThis role supports the Company Lead in completing the tasks outlined in the SA.\n\n\n\nThis role helps manage the company’s participation in the SA.\n\n\n\nThis role can only be assigned to users assigned the Third Party role in the system and supports the Company Lead in completing the tasks outlined in the SA.\n\n\n\nTips\n\n\n\n-   Required role and is the main point of contact with the Agency about the SA\n-   Role can be assigned to a Third Party User\n\n\n\nOptional role not required for the company to successfully complete the SA.\n\n\n\n-   Optional role not required for the company to successfully complete the SA\n-   Role can be assigned to a Third Party User\n\n\n\nThird party users can be added at the system level by the company account administrator. This is an optional role that is not required for the company to successfully complete the SA.\n\n\n\nWho assigns role\n\n\n\nSA Contact\n\n\n\nCompany Lead\n\n\n\nAccount Administrator or Company Lead\n\n\n\nCompany Lead or SA Contact.\n\n\n\nCommunicates with Agency?\n\n\n\nYes\n\n\n\nNo\n\n\n\nYes\n\n\n\nNo, unless they are the company lead for an SA.\n\n\n\nActively involved in SA?\n\n\n\nYes\n\n\n\nYes\n\n\n\nYes\n\n\n\nYes\n\n\n## Complaint Specific User Roles \n\nThis ro",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\getStart\\topics\\c_company_userRoleMatrix.md",
      "relative_path": "maps\\SES\\chapter\\getStart\\topics\\c_company_userRoleMatrix.md",
      "headings": [
        "SES Company User Roles Matrix {#xd_80647b36c08634d1--224c7740-180a488b21a--7fdd .concept}",
        "Introduction {#section_qt2_3tf_ntb .section}",
        "System Level Account Type User Roles {#section_rt2_3tf_ntb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/getStart/topics/c_company_userRoleMatrix.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/getStart/topics/c_company_userRoleMatrix.md:chunk-2",
      "title": "SES Company User Roles Matrix {#xd_80647b36c08634d1--224c7740-180a488b21a--7fdd .concept}",
      "content": "\n\n\nCommunicates with Agency?\n\n\n\nYes\n\n\n\nNo\n\n\n\nYes\n\n\n\nNo, unless they are the company lead for an SA.\n\n\n\nActively involved in SA?\n\n\n\nYes\n\n\n\nYes\n\n\n\nYes\n\n\n\nYes\n\n\n## Complaint Specific User Roles \n\nThis role is assigned only to an individual at the complaints level and may frequently change by complaint.\n\n**Note:** Only the account administrators at a company can add and manage other company users.\n\n\n\n \n\n\n\nComplaints Company POC\n\n\n\nDescription\n\n\n\nThe Complaints Company POC is the individual responsible for sending complaint IR responses to the agency. This person can also review and update responses drafted by other complaints users.\n\n\n\nTips\n\n\n\n-   Main point of contact with the Agency POC on the complaint\n-   Role is required for the processing of the complaint by the company\n-   Communicates with Agency\n-   Actively involved in Complaint\n\n\n\nWho assigns role\n\n\n\n-   Complaints Contact\n-   Reassigned by Complaints Contact, Account Administrator, and current Company POC\n-   User must first be assigned a Consumer Complaints role\n\n\n## Additional SES User Designations \n\nThese designations identify additional responsibilities or limitations given to a SA Specific User Role. The designation is made at the system level and may or may not indicate an active role in a specific supervisory activity or complaint.\n\n\n\n \n\n\n\nSA Contact\n\n\n\nComplaints Contact\n\n\n\nDescription\n\n\n\nUser receives the initial notification of an SA from the Agency and is responsible for managing the Company Lead assigned to an SA.\n\n\n\nThe Company Complaints Contact is the user who received the initial notification of a new Complaint in SES and is responsible for managing the Company POC assigned to the Complaint.\n\n\n\nTips\n\n\n\n-   Must be assigned during the onboarding process initiated by the Agency\n-   Communicates with Agency\n-   Not actively involved in SA\n\n\n\n-   Must be assigned during the onboarding process initiated by the Agency\n-   Communicates with Agency\n-   Not actively involved in SA\n\n\n\nWho assigns role\n",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\getStart\\topics\\c_company_userRoleMatrix.md",
      "relative_path": "maps\\SES\\chapter\\getStart\\topics\\c_company_userRoleMatrix.md",
      "headings": [
        "SES Company User Roles Matrix {#xd_80647b36c08634d1--224c7740-180a488b21a--7fdd .concept}",
        "Introduction {#section_qt2_3tf_ntb .section}",
        "System Level Account Type User Roles {#section_rt2_3tf_ntb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/getStart/topics/c_company_userRoleMatrix.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/getStart/topics/c_company_userRoleMatrix.md:chunk-3",
      "title": "SES Company User Roles Matrix {#xd_80647b36c08634d1--224c7740-180a488b21a--7fdd .concept}",
      "content": "h Agency\n-   Not actively involved in SA\n\n\n\n-   Must be assigned during the onboarding process initiated by the Agency\n-   Communicates with Agency\n-   Not actively involved in SA\n\n\n\nWho assigns role\n\n\n\nAccount Administrator\n\n\n\nAccount Administrator\n\n\n",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\getStart\\topics\\c_company_userRoleMatrix.md",
      "relative_path": "maps\\SES\\chapter\\getStart\\topics\\c_company_userRoleMatrix.md",
      "headings": [
        "SES Company User Roles Matrix {#xd_80647b36c08634d1--224c7740-180a488b21a--7fdd .concept}",
        "Introduction {#section_qt2_3tf_ntb .section}",
        "System Level Account Type User Roles {#section_rt2_3tf_ntb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/getStart/topics/c_company_userRoleMatrix.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/getStart/topics/r_agency_SA_participantRoles.md:chunk-0",
      "title": "Supervisory Activity Participant Roles {#xd_639cae5476ab2d25--35e9ed5d-1808057a2e5--7feb .reference}",
      "content": "# Supervisory Activity Participant Roles \n\nThese roles are assigned at supervisory activity level, frequently change by exam, and indicate what the user can do in a specific supervisory activity.\n\n**Note:** For more information on the permissions available for users at the system level, see SES Agency System Roles & Consumer Complaints Roles.\n\n|Role|Examiner in Charge \\(EIC\\)|Examiner|Reviewer|Peer Reviewer|Package Assembler|\n|----|--------------------------|--------|--------|-------------|-----------------|\n|Description|Manages a supervisory activity from start to finish.|Supports the EIC in completing a supervisory activity by doing work.|Supports the EIC in completing a supervisory activity by reviewing and commenting.|Supports the EIC by reviewing the aspects of a supervisory activity without making approval decisions.|Compiles the full report package and transmits it to the company.|\n|Supervisory Activity Duties Unique to Role|The only participant on a supervisory activity to directly communicate with the company.|Working procedures, updating findings, managing loan request associations, adding and completing report commentary.|Reviewing and updating the scope, reviewing the plan, updating the report.|Commenting on the scope and plan; viewing and uploading report versions.|See description above.|\n\n**Note:** These roles and their descriptions are different when leading or participating in a multi-state examination. For full details on all system user roles and groups, see the SES Roles and Permissions Spreadsheet, available in the Agency User Roles and Permissions \\(Excel format\\).\n\n## EIC Resources \n\n-   Managing Agency Supervisory Activity Participants\n-   Managing the Scope\n-   Defining the Plan\n-   Sending Information Requests to the Company\n-   Findings\n-   Preparing the Report\n-   Preparing and Uploading the Report of Examination\n-   Marking Report Response from Company as Complete\n-   Scheduling the Exit Meeting\n-   Entering Close Out Information\n-   Upda",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\getStart\\topics\\r_agency_SA_participantRoles.md",
      "relative_path": "maps\\SES\\chapter\\getStart\\topics\\r_agency_SA_participantRoles.md",
      "headings": [
        "Supervisory Activity Participant Roles {#xd_639cae5476ab2d25--35e9ed5d-1808057a2e5--7feb .reference}",
        "EIC Resources {#section_i52_yyt_ltb .section}",
        "Examiner Resources {#section_imn_4zt_ltb .section}",
        "Examiner Reviewer Resources {#section_yp1_pzt_ltb .section}",
        "Peer Reviewer Resources {#section_vrj_pzt_ltb .section}",
        "Package Assembler Resources {#section_vj4_pzt_ltb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/getStart/topics/r_agency_SA_participantRoles.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/getStart/topics/r_agency_SA_participantRoles.md:chunk-1",
      "title": "Supervisory Activity Participant Roles {#xd_639cae5476ab2d25--35e9ed5d-1808057a2e5--7feb .reference}",
      "content": "paring the Report\n-   Preparing and Uploading the Report of Examination\n-   Marking Report Response from Company as Complete\n-   Scheduling the Exit Meeting\n-   Entering Close Out Information\n-   Updating Close Out Information\n\n**Note:** The resources above also apply for staff users from the lead agency who are assigned as a participant on a supervisory activity.\n\n## Examiner Resources \n\n-   Add and Remove Information Requests\n-   Conducting the Exam: Reviewing Information Request Responses\n-   Procedures\n-   Findings\n-   Conducting the Exam: Marking an Area for Review \\(AFR\\) Complete\n-   Managing Loan File Requests\n-   Reviewing Loan Request Responses\n\n## Examiner Reviewer Resources \n\n-   Reviewing the Scope as the Primary Reviewer\n-   Defining the Plan\n-   Reviewing the Report\n-   Managing Report Commentary\n\n## Peer Reviewer Resources \n\n-   Peer Reviewing the Report\n\n## Package Assembler Resources \n\n-   Assembling and Sending the Report Package to the Company",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\getStart\\topics\\r_agency_SA_participantRoles.md",
      "relative_path": "maps\\SES\\chapter\\getStart\\topics\\r_agency_SA_participantRoles.md",
      "headings": [
        "Supervisory Activity Participant Roles {#xd_639cae5476ab2d25--35e9ed5d-1808057a2e5--7feb .reference}",
        "EIC Resources {#section_i52_yyt_ltb .section}",
        "Examiner Resources {#section_imn_4zt_ltb .section}",
        "Examiner Reviewer Resources {#section_yp1_pzt_ltb .section}",
        "Peer Reviewer Resources {#section_vrj_pzt_ltb .section}",
        "Package Assembler Resources {#section_vj4_pzt_ltb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/getStart/topics/r_agency_SA_participantRoles.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/getStart/topics/r_agency_compEnroll_video-1.md:chunk-0",
      "title": "Company Enrollment in SES – How it Works {#r_agency_compEnroll_video .concept}",
      "content": "# Company Enrollment in SES – How it Works \n\nThis article is intended to help companies understand the process for getting enrolled in the State Examination System \\(SES\\).\n\n**Important:** A company CANNOT enroll itself in SES. A state regulatory agency must initiate the SES enrollment process for the company.\n\n## Step 1: Agency Sends an Enrollment Request to the Company \n\nAn agency enrolls a company in SES for examination or complaint handling purposes. The agency kicks off the process by creating the first company user in SES. It is assumed that the agency has the most accurate information about which individual at a company handles supervisory activities for that company. Agencies are encouraged to contact the company outside of SES prior to initiating the enrollment process in the system.\n\nOnce that company user is created in the system, the agency initiates the company’s enrollment in SES at which point the company user receives notifications to enroll in the system. This will most likely occur a few weeks before the company’s first exam in SES. It may happen much sooner for complaint handling.\n\n## Step 2: Your Role - Check Your Email to Activate Your Okta® Account \n\nAs a new SES company user, you will receive a single SES Welcome email with an Okta® activation.\n\n[](https://www.okta.com/intro-to-okta/) is a two-step identity management service used by all users to access SES. Okta® uses multifactor authentication \\(MFA\\) by which two independent authentication methods \\(such as a security code produced by a mobile application in addition to a Username and Password\\) are utilized to increase confidence that an individual attempting to access a secure system is authorized to do so. For example, if you choose to use the Okta® app, a six-digit soft token is available via your mobile device that must be entered into system along with your account credentials. **You must activate your Okta® account to access SES.**\n\n**Important:** To complete this process, you need t",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\getStart\\topics\\r_agency_compEnroll_video-1.md",
      "relative_path": "maps\\SES\\chapter\\getStart\\topics\\r_agency_compEnroll_video-1.md",
      "headings": [
        "Company Enrollment in SES – How it Works {#r_agency_compEnroll_video .concept}",
        "Step 1: Agency Sends an Enrollment Request to the Company {#section_vgm_f13_mtb .section}",
        "Step 2: Your Role - Check Your Email to Activate Your Okta® Account {#section_wk5_kb3_mtb .section}",
        "Next steps {#section_c43_14j_mtb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/getStart/topics/r_agency_compEnroll_video-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/getStart/topics/r_agency_compEnroll_video-1.md:chunk-1",
      "title": "Company Enrollment in SES – How it Works {#r_agency_compEnroll_video .concept}",
      "content": "ia your mobile device that must be entered into system along with your account credentials. **You must activate your Okta® account to access SES.**\n\n**Important:** To complete this process, you need to either download or install Symantec VIP Access on your desktop or mobile device or install Google Authenticator \\(Help for Google Authenticator\\) to your mobile device.\n\n## Next steps \n\n1.  Activating Your Okta Account for SES\n2.  Setup multi-factor authentication:\n    -   Registering with Google Authenticator\n    -   Registering with Symantec VIP\n3.  Logging in to SES for the First Time\n\n**Parent topic:**Company Set Up in SES\n\n**Previous topic:**Company Set Up in SES\n\n**Next topic:**Activating Your Okta Account for SES",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\getStart\\topics\\r_agency_compEnroll_video-1.md",
      "relative_path": "maps\\SES\\chapter\\getStart\\topics\\r_agency_compEnroll_video-1.md",
      "headings": [
        "Company Enrollment in SES – How it Works {#r_agency_compEnroll_video .concept}",
        "Step 1: Agency Sends an Enrollment Request to the Company {#section_vgm_f13_mtb .section}",
        "Step 2: Your Role - Check Your Email to Activate Your Okta® Account {#section_wk5_kb3_mtb .section}",
        "Next steps {#section_c43_14j_mtb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/getStart/topics/r_agency_compEnroll_video-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/getStart/topics/r_agency_compEnroll_video.md:chunk-0",
      "title": "Company Enrollment in SES – How it Works {#r_agency_compEnroll_video .concept}",
      "content": "# Company Enrollment in SES – How it Works \n\nThis article is intended to help companies understand the process for getting enrolled in the State Examination System \\(SES\\).\n\n**Important:** A company CANNOT enroll itself in SES. A state regulatory agency must initiate the SES enrollment process for the company.\n\n## Step 1: Agency Sends an Enrollment Request to the Company \n\nAn agency enrolls a company in SES for examination or complaint handling purposes. The agency kicks off the process by creating the first company user in SES. It is assumed that the agency has the most accurate information about which individual at a company handles supervisory activities for that company. Agencies are encouraged to contact the company outside of SES prior to initiating the enrollment process in the system.\n\nOnce that company user is created in the system, the agency initiates the company’s enrollment in SES at which point the company user receives notifications to enroll in the system. This will most likely occur a few weeks before the company’s first exam in SES. It may happen much sooner for complaint handling.\n\n## Step 2: Your Role - Check Your Email to Activate Your Okta® Account \n\nAs a new SES company user, you will receive a single SES Welcome email with an Okta® activation.\n\n[](https://www.okta.com/intro-to-okta/) is a two-step identity management service used by all users to access SES. Okta® uses multifactor authentication \\(MFA\\) by which two independent authentication methods \\(such as a security code produced by a mobile application in addition to a Username and Password\\) are utilized to increase confidence that an individual attempting to access a secure system is authorized to do so. For example, if you choose to use the Okta® app, a six-digit soft token is available via your mobile device that must be entered into system along with your account credentials. **You must activate your Okta® account to access SES.**\n\n**Important:** To complete this process, you need t",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\getStart\\topics\\r_agency_compEnroll_video.md",
      "relative_path": "maps\\SES\\chapter\\getStart\\topics\\r_agency_compEnroll_video.md",
      "headings": [
        "Company Enrollment in SES – How it Works {#r_agency_compEnroll_video .concept}",
        "Step 1: Agency Sends an Enrollment Request to the Company {#section_vgm_f13_mtb .section}",
        "Step 2: Your Role - Check Your Email to Activate Your Okta® Account {#section_wk5_kb3_mtb .section}",
        "Next steps {#section_c43_14j_mtb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/getStart/topics/r_agency_compEnroll_video.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/getStart/topics/r_agency_compEnroll_video.md:chunk-1",
      "title": "Company Enrollment in SES – How it Works {#r_agency_compEnroll_video .concept}",
      "content": "ia your mobile device that must be entered into system along with your account credentials. **You must activate your Okta® account to access SES.**\n\n**Important:** To complete this process, you need to either download or install Symantec VIP Access on your desktop or mobile device or install Google Authenticator \\(Help for Google Authenticator\\) to your mobile device.\n\n## Next steps \n\n1.  Activating Your Okta Account for SES\n2.  Setup multi-factor authentication:\n    -   Registering with Google Authenticator\n    -   Registering with Symantec VIP\n3.  Logging in to SES for the First Time",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\getStart\\topics\\r_agency_compEnroll_video.md",
      "relative_path": "maps\\SES\\chapter\\getStart\\topics\\r_agency_compEnroll_video.md",
      "headings": [
        "Company Enrollment in SES – How it Works {#r_agency_compEnroll_video .concept}",
        "Step 1: Agency Sends an Enrollment Request to the Company {#section_vgm_f13_mtb .section}",
        "Step 2: Your Role - Check Your Email to Activate Your Okta® Account {#section_wk5_kb3_mtb .section}",
        "Next steps {#section_c43_14j_mtb .section}"
      ],
      "html_link": "/docs/maps/SES/chapter/getStart/topics/r_agency_compEnroll_video.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/getStart/topics/t_company_assignCompanyContacts-1.md:chunk-0",
      "title": "Assigning Company Contacts {#xd_73a64c6f8591aea0--8f1af35-180c8bc4e24--7ff0 .task}",
      "content": "# Assigning Company Contacts \n\nAn SES Supervisory Activities \\(SA\\) contact and Complaints contact must be assigned.\n\nYou must complete company and user enrollment in SES:\n\n1.  Company Enrollment in SES – How it Works\n2.  Activating Your Okta Account for SES\n3.  Setup multifactor authentication using either:\n    -   Registering with Google Authenticator\n    -   Registering with Symantec VIP\n4.  Logging in to SES for the First Time\n5.  Creating and Removing Company Users\n\nThe SA contact receives the first notification from the agency regarding supervisory activities. The Complaints contact receives the first notification from the agency regarding any complaints.\n\n1.  Click **Manage Company Profile**.\n\n    \n\n    **Note:** Only the account administrator can access the actions within the Manage Company Profile page\n\n2.  Click **Assign Contacts**.\n\n    \n\n3.  Select the **Supervisory Activities Contact**.\n\n    \n\n4.  Select the **Complaints Contact**.\n\n    **Note:** Only individuals with SES accounts assigned a Consumer Complaints role with the Manage Complaints permission appear in this list. See Managing Company User Accounts for more information.\n\n5.  Enter additional email addresses for notifications.\n\n    **Note:** You can choose secondary emails to receive notifications about key tasks assigned in SES for both SAs and complaints. You may consider using group email addresses if you want key notifications to be received by more than one person.\n\n6.  Click **Assign Contacts**.\n\n**Parent topic:**Managing Company Users\n\n**Related information**  \n\nCreating and Removing Company Users\n\nCreating and Removing Third-Party Users\n\nManaging Company User Accounts\n\nManaging Company Email Domains",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\getStart\\topics\\t_company_assignCompanyContacts-1.md",
      "relative_path": "maps\\SES\\chapter\\getStart\\topics\\t_company_assignCompanyContacts-1.md",
      "headings": [
        "Assigning Company Contacts {#xd_73a64c6f8591aea0--8f1af35-180c8bc4e24--7ff0 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/getStart/topics/t_company_assignCompanyContacts-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/getStart/topics/t_company_assignCompanyContacts.md:chunk-0",
      "title": "Assigning Company Contacts {#xd_73a64c6f8591aea0--8f1af35-180c8bc4e24--7ff0 .task}",
      "content": "# Assigning Company Contacts \n\nAn SES Supervisory Activities \\(SA\\) contact and Complaints contact must be assigned.\n\nYou must complete company and user enrollment in SES:\n\n1.  Company Enrollment in SES – How it Works\n2.  Activating Your Okta Account for SES\n3.  Setup multifactor authentication using either:\n    -   Registering with Google Authenticator\n    -   Registering with Symantec VIP\n4.  Logging in to SES for the First Time\n5.  Creating and Removing Company Users\n\nThe SA contact receives the first notification from the agency regarding supervisory activities. The Complaints contact receives the first notification from the agency regarding any complaints.\n\n1.  Click **Manage Company Profile**.\n\n    \n\n    **Note:** Only the account administrator can access the actions within the Manage Company Profile page\n\n2.  Click **Assign Contacts**.\n\n    \n\n3.  Select the **Supervisory Activities Contact**.\n\n    \n\n4.  Select the **Complaints Contact**.\n\n    **Note:** Only individuals with SES accounts assigned a Consumer Complaints role with the Manage Complaints permission appear in this list. See Managing Company User Accounts for more information.\n\n5.  Enter additional email addresses for notifications.\n\n    **Note:** You can choose secondary emails to receive notifications about key tasks assigned in SES for both SAs and complaints. You may consider using group email addresses if you want key notifications to be received by more than one person.\n\n6.  Click **Assign Contacts**.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\getStart\\topics\\t_company_assignCompanyContacts.md",
      "relative_path": "maps\\SES\\chapter\\getStart\\topics\\t_company_assignCompanyContacts.md",
      "headings": [
        "Assigning Company Contacts {#xd_73a64c6f8591aea0--8f1af35-180c8bc4e24--7ff0 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/getStart/topics/t_company_assignCompanyContacts.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/getStart/topics/t_company_createNMLSaccount.md:chunk-0",
      "title": "Completing the NMLS Account Request Form {#xd_80647b36c08634d1--224c7740-180a488b21a--7fde .task}",
      "content": "# Completing the NMLS Account Request Form \n\nIf your company does not have an Nationwide Multistate Licensing System & Registry account, use this procedure to request an account and company ID in NMLS to enable your company to have an SES account for state regulatory Examination and Complaint processing.\n\nThe State Examination System uses company account information and IDs from the Nationwide Multistate Licensing System & Registry.\n\nNon-depository companies not licensed in NMLS must complete the **NMLS Account Request Form** to become users of SES. You will receive a notification from SES with account creation instructions.\n\n1.  Navigate to the NMLS Resource Center.\n\n2.  Click **Log in to NMLS**.\n\n    \n\n3.  Click **Request an Account**.\n\n    \n\n4.  Select **No** for the question, **Does your company currently have a record in NMLS?**\n\n5.  Enter the **CAPTCHA** code and click **Next**.\n\n6.  Select **State:Non-Depository** or **Federal**.\n\n    -   **State: Non-Depository** if your company is supervised by a state regulatory agency \\(e.g., New York State Department of Financial Services\\).\n    -   **Federal** if your company is supervised by a federal regulatory agency \\(e.g., FDIC or OCC\\).\n7.  Complete the Company Information and Company Headquarters Location sections and click **Next**.\n\n    **Note:** Applications must have the exact name of the company according to the Secretary of State \\(SOS\\) documentation.\n\n    **Note:** Individuals without a social security number must contact the NMLS Call Center \\(1-800-269-6189\\) and provide supporting documentation to obtain an account in NMLS.\n\n8.  Complete the Contact Employee Information section and click **Next**.\n\n9.  Complete the Formation Information \\(for state-regulated companies\\) or Federal Agency-Regulated Information \\(for federally regulated companies\\) section and click **Next**.\n\n10. Complete the contact information for Account Administrators 1 & 2 and click **Next**.\n\n11. Complete the Submitter section and",
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      "relative_path": "maps\\SES\\chapter\\getStart\\topics\\t_company_createNMLSaccount.md",
      "headings": [
        "Completing the NMLS Account Request Form {#xd_80647b36c08634d1--224c7740-180a488b21a--7fde .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/getStart/topics/t_company_createNMLSaccount.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/getStart/topics/t_company_createNMLSaccount.md:chunk-1",
      "title": "Completing the NMLS Account Request Form {#xd_80647b36c08634d1--224c7740-180a488b21a--7fde .task}",
      "content": "ion \\(for federally regulated companies\\) section and click **Next**.\n\n10. Complete the contact information for Account Administrators 1 & 2 and click **Next**.\n\n11. Complete the Submitter section and click **Accept**.\n\n12. Review the completed Company Account Request Form.\n\n13. Upload a supporting file \\(state-regulated companies only\\).\n\n    In the Supporting File section of the company account request form, you must provide a copy of the IRS documentation that identifies the employer identification number \\(EIN\\) for your business and the Secretary of State \\(SOS\\) documentation that identifies the state where you registered as a business. For sole proprietors using their SSN as the EIN, they will need to provide the SSN card for the owner but do not need to include SOS documentation, as that is not applicable.\n\n    There are only two documents that we accept from the IRS:\n\n    -   SS-4 letter\n    -   147C letter\n    The SS-4 letter is only issued to you once when your EIN is first established by the IRS and the 147C letter acts as a replacement if you do not have your SS-4 letter. If you need the 147C letter, please contact the IRS’ Business & Specialty Tax Line \\(800-829-4933\\) for assistance. The SOS documentation can also be referred to as certificate of existence and it identifies the structure of your business as well as the legal name.\n\n    The legal name of your business on the SOS documentation must match the legal name that is listed on the IRS documentation with the only exceptions being punctuation marks such as periods and commas. Your request may be rejected if the names do not match and then you would need to make the request again with the proper information.\n\n    **Important:** The supporting documentation file must be in a PDF format and cannot exceed 8 MB. If you have multiple documents, they must be combined in a single file.\n\n14. Click **Submit**.\n\nOnce the request is complete, it will take 3-5 business days to review.\n\nOnce the account is cr",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\getStart\\topics\\t_company_createNMLSaccount.md",
      "relative_path": "maps\\SES\\chapter\\getStart\\topics\\t_company_createNMLSaccount.md",
      "headings": [
        "Completing the NMLS Account Request Form {#xd_80647b36c08634d1--224c7740-180a488b21a--7fde .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/getStart/topics/t_company_createNMLSaccount.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/getStart/topics/t_company_createNMLSaccount.md:chunk-2",
      "title": "Completing the NMLS Account Request Form {#xd_80647b36c08634d1--224c7740-180a488b21a--7fde .task}",
      "content": "ed 8 MB. If you have multiple documents, they must be combined in a single file.\n\n14. Click **Submit**.\n\nOnce the request is complete, it will take 3-5 business days to review.\n\nOnce the account is created, you receive a request approval email. Upon receipt of the request approval email, notify your regulator, who can then complete the enrollment process in SES after verifying the company has been added to the system.\n\nWhen you create your NMLS account, it prompts the creation of an SES company record via the connection to NMLS on the next business day. Check your email to activate your Okta account: Activating Your Okta Account for SES. See Company Enrollment in SES – How it Works for more information.\n\n**Parent topic:**Creating an NMLS Account to Establish Your SES Account",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\getStart\\topics\\t_company_createNMLSaccount.md",
      "relative_path": "maps\\SES\\chapter\\getStart\\topics\\t_company_createNMLSaccount.md",
      "headings": [
        "Completing the NMLS Account Request Form {#xd_80647b36c08634d1--224c7740-180a488b21a--7fde .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/getStart/topics/t_company_createNMLSaccount.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/getStart/topics/t_company_enrollOktaActivate-1.md:chunk-0",
      "title": "Activating Your Okta Account for SES {#xd_80647b36c08634d1--224c7740-180a488b21a--7ffd .task}",
      "content": "# Activating Your Okta Account for SES \n\nThis section is intended to help companies understand how to activate and manage their Okta account as a part of the State Examination System \\(SES\\) enrollment process.\n\n1.  >Find the **Welcome to the State Examination System** email from `noreply@sso.nmls.org`.\n\n    \n\n2.  Click **Activate Okta Account**.\n\n3.  Create a new password, forgot password question and answer, and choose a security image.\n\n    \n\n4.  Click **Create My Account**.\n\n5.  Click **Setup** to begin the registration process for Registering with Google Authenticator or Registering with Symantec VIP.\n\n    \n\nComplete the setup of your multifactor authenticator to log into SES.\n\n**Note:** Be sure to bookmark `sso.nmls.org` to access SES in the future. See Logging in to SES for the First Time for more information.\n\n-   Registering with Google Authenticator\n-   Registering with Symantec VIP\n\n**Parent topic:**Company Set Up in SES\n\n**Previous topic:**Company Enrollment in SES – How it Works\n\n**Next topic:**Registering with Google Authenticator\n\n**Related information**  \n\nCreating a Company User\n\nResetting a User’s Multi-factor Authentication \\(MFA\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\getStart\\topics\\t_company_enrollOktaActivate-1.md",
      "relative_path": "maps\\SES\\chapter\\getStart\\topics\\t_company_enrollOktaActivate-1.md",
      "headings": [
        "Activating Your Okta Account for SES {#xd_80647b36c08634d1--224c7740-180a488b21a--7ffd .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/getStart/topics/t_company_enrollOktaActivate-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/getStart/topics/t_company_enrollOktaActivate.md:chunk-0",
      "title": "Activating Your Okta Account for SES {#xd_80647b36c08634d1--224c7740-180a488b21a--7ffd .task}",
      "content": "# Activating Your Okta Account for SES \n\nThis section is intended to help companies understand how to activate and manage their Okta account as a part of the State Examination System \\(SES\\) enrollment process.\n\n1.  >Find the **Welcome to the State Examination System** email from `noreply@sso.nmls.org`.\n\n    \n\n2.  Click **Activate Okta Account**.\n\n3.  Create a new password, forgot password question and answer, and choose a security image.\n\n    \n\n4.  Click **Create My Account**.\n\n5.  Click **Setup** to begin the registration process for Registering with Google Authenticator or Registering with Symantec VIP.\n\n    \n\nComplete the setup of your multifactor authenticator to log into SES.\n\n**Note:** Be sure to bookmark `sso.nmls.org` to access SES in the future. See Logging in to SES for the First Time for more information.\n\n-   Registering with Google Authenticator\n-   Registering with Symantec VIP",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\getStart\\topics\\t_company_enrollOktaActivate.md",
      "relative_path": "maps\\SES\\chapter\\getStart\\topics\\t_company_enrollOktaActivate.md",
      "headings": [
        "Activating Your Okta Account for SES {#xd_80647b36c08634d1--224c7740-180a488b21a--7ffd .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/getStart/topics/t_company_enrollOktaActivate.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/getStart/topics/t_company_enroll_SESfirstLogin-1.md:chunk-0",
      "title": "Logging in to SES for the First Time {#xd_80647b36c08634d1--224c7740-180a488b21a--7ffa .task}",
      "content": "# Logging in to SES for the First Time \n\nOnce you have activated your Okta® account, and the company has access to SES, one of the first steps in the system is assigning the Supervisory Activity \\(SA\\) Contact and the Complaints Contact.\n\nPerform the following tasks if you have not already done so:\n\n1.  Activating Your Okta Account for SES\n2.  Setup multifactor authentication using either:\n    -   Registering with Google Authenticator\n    -   Registering with Symantec VIP\n\nThe SES SA contact receives email notifications from the agency regarding supervisory activities. The SES complaints contact receives email notifications from the agency regarding complaints.\n\n**Note:** The following process must be completed by the recipient of the initial email from SES \\(i.e., the person the state agency onboarded for the company\\). That person is automatically assigned the account administrator role for the company, which can be changed once the user is logged in and other users are added to the company account.\n\n1.  >Log into SES via your Okta® account at `sso.nmls.org`.\n\n    **Note:** Your username is your email address.\n\n2.  On the landing page, click **Enroll My Company**.\n\n    \n\n3.  Verify your association with the company.\n\n    \n\n4.  Create any additional users for your company other than yourself that will help manage supervisory activities and consumer complaints.\n\n    \n\n    **Note:** Do not populate this screen with information about yourself. If you are completing this form, you have already logged in to SES and your account was already created on your behalf by the agency.\n\n5.  Assign company contacts for supervisory activities and consumer complaints in the system.\n\n    \n\n6.  Confirm your company enrollment details and click **Finish Enrollment**.\n\n    \n\nAfter you have finished enrollment, you are notified if there are any outstanding tasks requiring action once you enter the system.\n\n-   Creating and Removing Company Users\n-   Assigning Company Contacts\n\n**Parent ",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\getStart\\topics\\t_company_enroll_SESfirstLogin-1.md",
      "relative_path": "maps\\SES\\chapter\\getStart\\topics\\t_company_enroll_SESfirstLogin-1.md",
      "headings": [
        "Logging in to SES for the First Time {#xd_80647b36c08634d1--224c7740-180a488b21a--7ffa .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/getStart/topics/t_company_enroll_SESfirstLogin-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/getStart/topics/t_company_enroll_SESfirstLogin-1.md:chunk-1",
      "title": "Logging in to SES for the First Time {#xd_80647b36c08634d1--224c7740-180a488b21a--7ffa .task}",
      "content": " finished enrollment, you are notified if there are any outstanding tasks requiring action once you enter the system.\n\n-   Creating and Removing Company Users\n-   Assigning Company Contacts\n\n**Parent topic:**Company Set Up in SES\n\n**Previous topic:**Registering with Symantec VIP\n\n**Next topic:**Creating an NMLS Account to Establish Your SES Account",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\getStart\\topics\\t_company_enroll_SESfirstLogin-1.md",
      "relative_path": "maps\\SES\\chapter\\getStart\\topics\\t_company_enroll_SESfirstLogin-1.md",
      "headings": [
        "Logging in to SES for the First Time {#xd_80647b36c08634d1--224c7740-180a488b21a--7ffa .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/getStart/topics/t_company_enroll_SESfirstLogin-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/getStart/topics/t_company_enroll_SESfirstLogin.md:chunk-0",
      "title": "Logging in to SES for the First Time {#xd_80647b36c08634d1--224c7740-180a488b21a--7ffa .task}",
      "content": "# Logging in to SES for the First Time \n\nOnce you have activated your Okta® account, and the company has access to SES, one of the first steps in the system is assigning the Supervisory Activity \\(SA\\) Contact and the Complaints Contact.\n\nPerform the following tasks if you have not already done so:\n\n1.  Activating Your Okta Account for SES\n2.  Setup multifactor authentication using either:\n    -   Registering with Google Authenticator\n    -   Registering with Symantec VIP\n\nThe SES SA contact receives email notifications from the agency regarding supervisory activities. The SES complaints contact receives email notifications from the agency regarding complaints.\n\n**Note:** The following process must be completed by the recipient of the initial email from SES \\(i.e., the person the state agency onboarded for the company\\). That person is automatically assigned the account administrator role for the company, which can be changed once the user is logged in and other users are added to the company account.\n\n1.  >Log into SES via your Okta® account at `sso.nmls.org`.\n\n    **Note:** Your username is your email address.\n\n2.  On the landing page, click **Enroll My Company**.\n\n    \n\n3.  Verify your association with the company.\n\n    \n\n4.  Create any additional users for your company other than yourself that will help manage supervisory activities and consumer complaints.\n\n    \n\n    **Note:** Do not populate this screen with information about yourself. If you are completing this form, you have already logged in to SES and your account was already created on your behalf by the agency.\n\n5.  Assign company contacts for supervisory activities and consumer complaints in the system.\n\n    \n\n6.  Confirm your company enrollment details and click **Finish Enrollment**.\n\n    \n\nAfter you have finished enrollment, you are notified if there are any outstanding tasks requiring action once you enter the system.\n\n-   Creating and Removing Company Users\n-   Assigning Company Contacts",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\getStart\\topics\\t_company_enroll_SESfirstLogin.md",
      "relative_path": "maps\\SES\\chapter\\getStart\\topics\\t_company_enroll_SESfirstLogin.md",
      "headings": [
        "Logging in to SES for the First Time {#xd_80647b36c08634d1--224c7740-180a488b21a--7ffa .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/getStart/topics/t_company_enroll_SESfirstLogin.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/getStart/topics/t_company_enroll_googleAuthenticate_Register-1.md:chunk-0",
      "title": "Registering with Google Authenticator {#xd_80647b36c08634d1--224c7740-180a488b21a--7ffc .task}",
      "content": "# Registering with Google Authenticator \n\nSES uses multi-factor authentication. You can use Google Authenticator or Symantec VIP for MFA. This topic explains how to install Google Authenticator on your mobile device and associate it with your SES account.\n\n1.  Activating Your Okta Account for SES\n\n1.  >Select your device \\(Apple, Android, or Blackberry\\).\n\n    \n\n2.  Click **Next**.\n\n3.  Open Google Authenticator on your mobile device.\n\n4.  Scan the barcode with your mobile device.\n\n    \n\n5.  Click **Next**.\n\n6.  Type the **Security Code**.\n\n    \n\n    \n\n7.  Click **Verify** to continue.\n\n8.  Click **Finish**.\n\nYou are now logged into SES.\n\n**Note:** Be sure to bookmark `sso.nmls.org` to access SES in the future. See Logging in to SES for the First Time for more information.\n\n-   Logging in to SES for the First Time\n\n**Parent topic:**Company Set Up in SES\n\n**Previous topic:**Activating Your Okta Account for SES\n\n**Next topic:**Registering with Symantec VIP\n\n**Related information**  \n\nCreating a Company User\n\nResetting a User’s Multi-factor Authentication \\(MFA\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\getStart\\topics\\t_company_enroll_googleAuthenticate_Register-1.md",
      "relative_path": "maps\\SES\\chapter\\getStart\\topics\\t_company_enroll_googleAuthenticate_Register-1.md",
      "headings": [
        "Registering with Google Authenticator {#xd_80647b36c08634d1--224c7740-180a488b21a--7ffc .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/getStart/topics/t_company_enroll_googleAuthenticate_Register-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/getStart/topics/t_company_enroll_googleAuthenticate_Register.md:chunk-0",
      "title": "Registering with Google Authenticator {#xd_80647b36c08634d1--224c7740-180a488b21a--7ffc .task}",
      "content": "# Registering with Google Authenticator \n\nSES uses multi-factor authentication. You can use Google Authenticator or Symantec VIP for MFA. This topic explains how to install Google Authenticator on your mobile device and associate it with your SES account.\n\n1.  Activating Your Okta Account for SES\n\n1.  >Select your device \\(Apple, Android, or Blackberry\\).\n\n    \n\n2.  Click **Next**.\n\n3.  Open Google Authenticator on your mobile device.\n\n4.  Scan the barcode with your mobile device.\n\n    \n\n5.  Click **Next**.\n\n6.  Type the **Security Code**.\n\n    \n\n    \n\n7.  Click **Verify** to continue.\n\n8.  Click **Finish**.\n\nYou are now logged into SES.\n\n**Note:** Be sure to bookmark `sso.nmls.org` to access SES in the future. See Logging in to SES for the First Time for more information.\n\n-   Logging in to SES for the First Time",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\getStart\\topics\\t_company_enroll_googleAuthenticate_Register.md",
      "relative_path": "maps\\SES\\chapter\\getStart\\topics\\t_company_enroll_googleAuthenticate_Register.md",
      "headings": [
        "Registering with Google Authenticator {#xd_80647b36c08634d1--224c7740-180a488b21a--7ffc .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/getStart/topics/t_company_enroll_googleAuthenticate_Register.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/getStart/topics/t_company_enroll_symantec_Register-1.md:chunk-0",
      "title": "Registering with Symantec VIP {#xd_80647b36c08634d1--224c7740-180a488b21a--7ffb .task}",
      "content": "# Registering with Symantec VIP \n\nSES uses multi-factor authentication using either Google Authenticator or Symantec VIP. This topic explains how to install Symantec VIP on your mobile device and associate it with your SES account.\n\n1.  Activating Your Okta Account for SES\n\n1.  >Open Symantec VIP on your computer or mobile app.\n\n    |Credential Type|Description|\n    |---------------|-----------|\n    |**Mobile Phone Credentials**|Use your mobile phone to access your credential|\n    |**Desktop Credential**|Access accounts from a credential generated on your desktop|\n\n2.  Type the **Credential ID** and two sequential **Security Codes**.\n\n    \n\n    \n\n3.  Click **Finish**.\n\n    \n\nYou are now logged into SES.\n\n**Note:** Be sure to bookmark `sso.nmls.org` to access SES in the future. See Logging in to SES for the First Time for more information.\n\n-   Logging in to SES for the First Time\n\n**Parent topic:**Company Set Up in SES\n\n**Previous topic:**Registering with Google Authenticator\n\n**Next topic:**Logging in to SES for the First Time\n\n**Related information**  \n\nCreating a Company User\n\nResetting a User’s Multi-factor Authentication \\(MFA\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\getStart\\topics\\t_company_enroll_symantec_Register-1.md",
      "relative_path": "maps\\SES\\chapter\\getStart\\topics\\t_company_enroll_symantec_Register-1.md",
      "headings": [
        "Registering with Symantec VIP {#xd_80647b36c08634d1--224c7740-180a488b21a--7ffb .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/getStart/topics/t_company_enroll_symantec_Register-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/getStart/topics/t_company_enroll_symantec_Register.md:chunk-0",
      "title": "Registering with Symantec VIP {#xd_80647b36c08634d1--224c7740-180a488b21a--7ffb .task}",
      "content": "# Registering with Symantec VIP \n\nSES uses multi-factor authentication using either Google Authenticator or Symantec VIP. This topic explains how to install Symantec VIP on your mobile device and associate it with your SES account.\n\n1.  Activating Your Okta Account for SES\n\n1.  >Open Symantec VIP on your computer or mobile app.\n\n    |Credential Type|Description|\n    |---------------|-----------|\n    |**Mobile Phone Credentials**|Use your mobile phone to access your credential|\n    |**Desktop Credential**|Access accounts from a credential generated on your desktop|\n\n2.  Type the **Credential ID** and two sequential **Security Codes**.\n\n    \n\n    \n\n3.  Click **Finish**.\n\n    \n\nYou are now logged into SES.\n\n**Note:** Be sure to bookmark `sso.nmls.org` to access SES in the future. See Logging in to SES for the First Time for more information.\n\n-   Logging in to SES for the First Time",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\getStart\\topics\\t_company_enroll_symantec_Register.md",
      "relative_path": "maps\\SES\\chapter\\getStart\\topics\\t_company_enroll_symantec_Register.md",
      "headings": [
        "Registering with Symantec VIP {#xd_80647b36c08634d1--224c7740-180a488b21a--7ffb .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/getStart/topics/t_company_enroll_symantec_Register.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/interactions/topics/c_agency_Interactions_manage.md:chunk-0",
      "title": "Managing Interactions {#c_managingInteractions .concept}",
      "content": "# Managing Interactions \n\nThe Interactions page serves as a place where communication between the agency and company is captured. This includes emails, phone calls, meetings, physical mail and other miscellaneous forms of communication specific to the supervisory activity.\n\n**Note:** Any participant on a supervisory activity can add an interaction.\n\n**Note:** The interactions can only be viewed by the agency. Interactions added by your company can only be viewed by your company.\n\n**Note:** Interactions can be added at any point before the SA is closed and locked by the staff director or staff user at the agency.\n\n-   **Adding Interactions**  \nHow to add a company interaction to a supervisory activity.\n-   **Updating Interactions**  \nHow to change a company interaction in a supervisory activity.\n-   **Deleting Interactions**  \nYou can delete an interaction from a Supervisory Activity.\n\n**Parent topic:**Supervisory Activities",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\interactions\\topics\\c_agency_Interactions_manage.md",
      "relative_path": "maps\\SES\\chapter\\interactions\\topics\\c_agency_Interactions_manage.md",
      "headings": [
        "Managing Interactions {#c_managingInteractions .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/interactions/topics/c_agency_Interactions_manage.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/interactions/topics/c_agency_communications_manage.md:chunk-0",
      "title": "Managing Communications {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7fc3 .concept}",
      "content": "# Managing Communications \n\nLearn about the Communication page in SES supervisory activities \\(SAs\\).\n\nIn order to minimize the use of email communications between agencies and companies outside of the system during the course of an SA, SES provides a secure communication channel via the Communication page.\n\nThe Communication page works in a similar fashion to email.\n\n-   **Sending Communications between Agency and Company**  \nLearn how to send communications to the company via the Communication page in SES supervisory activities \\(SAs\\).\n\n**Parent topic:**Supervisory Activities",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\interactions\\topics\\c_agency_communications_manage.md",
      "relative_path": "maps\\SES\\chapter\\interactions\\topics\\c_agency_communications_manage.md",
      "headings": [
        "Managing Communications {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7fc3 .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/interactions/topics/c_agency_communications_manage.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/interactions/topics/t_agency_Interactions_adding.md:chunk-0",
      "title": "Adding Interactions {#t_addingInteractions .task}",
      "content": "# Adding Interactions \n\nHow to add a company interaction to a supervisory activity.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Interactions**.\n\n    \n\n3.  Click **Add Interaction** in the top right.\n\n    \n\n4.  Select the **Interaction Type**.\n\n    \n\n5.  Fill in the **Interaction Details**.\n\n6.  **Upload** any related documents.\n\n    Please note the following restrictions with regard to file uploads in SES. It is recommended to use a ZIP folder or File Sharing Links when uploading large files or more than 25 files at a time.\n\n    -   **File formats supported**: SES will accept all file formats, but the following commonly supported file types are recommended: PDF, Word®, Excel®, CSV, ZIP\n    -   **Max file size**: 1 GB\n    -   **For files larger than 1 GB[^1]:**\n        -   Use ZIP compression to reduce file to less than 1 GB[^1]\n        -   Split the file into multiple smaller files\n        -   Use File Sharing Links.\n    -   **Max no. characters per file name:** 200\n    -   **Max no. files per upload**: 25, for uploads larger than 25 total files:\n        1.  Upload first 25.\n        2.  Select the **Save Draft** option in Available Next Actions then click the **Save Draft** button.\n\n            **Note:** You may need to refresh the screen to see that the files have uploaded to the system.\n\n        3.  Return to the response screen to upload the next 25 files and repeat.\n    -   **Total no. files**: unlimited\n7.  Click **Save Interaction** in the bottom right.\n\n    \n\n**Parent topic:**Managing Interactions\n\n**Related information**  \n\nUpdating Interactions\n\nDeleting Interactions\n\n[^1]: For documents uploaded to the Interactions tab, the maximum file size is 25 MB.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\interactions\\topics\\t_agency_Interactions_adding.md",
      "relative_path": "maps\\SES\\chapter\\interactions\\topics\\t_agency_Interactions_adding.md",
      "headings": [
        "Adding Interactions {#t_addingInteractions .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/interactions/topics/t_agency_Interactions_adding.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/interactions/topics/t_agency_Interactions_deleting.md:chunk-0",
      "title": "Deleting Interactions {#t_deletingInteractions .task}",
      "content": "# Deleting Interactions \n\nYou can delete an interaction from a Supervisory Activity.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Interactions**.\n\n    \n\n3.  Click the **View Details** icon next to the interaction you want to delete.\n\n    \n\n4.  Click **Delete Interaction**.\n\n    \n\n5.  Confirm the deletion by clicking **Delete Interaction** again.\n\n    \n\n**Parent topic:**Managing Interactions\n\n**Related information**  \n\nAdding Interactions\n\nUpdating Interactions",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\interactions\\topics\\t_agency_Interactions_deleting.md",
      "relative_path": "maps\\SES\\chapter\\interactions\\topics\\t_agency_Interactions_deleting.md",
      "headings": [
        "Deleting Interactions {#t_deletingInteractions .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/interactions/topics/t_agency_Interactions_deleting.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/interactions/topics/t_agency_Interactions_update.md:chunk-0",
      "title": "Updating Interactions {#t_updatingInteractions .task}",
      "content": "# Updating Interactions \n\nHow to change a company interaction in a supervisory activity.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Interactions**.\n\n    \n\n3.  Click the **View Details** icon for the interaction you want to update.\n\n    \n\n4.  Click **Update Interaction**.\n\n    \n\n5.  Make the necessary updates.\n\n6.  Click **Save Interaction** in the bottom right.\n\n    \n\n**Parent topic:**Managing Interactions\n\n**Related information**  \n\nAdding Interactions\n\nDeleting Interactions",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\interactions\\topics\\t_agency_Interactions_update.md",
      "relative_path": "maps\\SES\\chapter\\interactions\\topics\\t_agency_Interactions_update.md",
      "headings": [
        "Updating Interactions {#t_updatingInteractions .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/interactions/topics/t_agency_Interactions_update.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/interactions/topics/t_agency_communications_sending.md:chunk-0",
      "title": "Sending Communications between Agency and Company {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7fc0 .task}",
      "content": "# Sending Communications between Agency and Company \n\nLearn how to send communications to the company via the Communication page in SES supervisory activities \\(SAs\\).\n\nThe agency must complete the scope and send information requests for the SA.\n\nActive agency participants on an SA, and identified recipients for the company, can securely send and receive communications to the company via the Communication page. Use this page the same way you would an email application: you can use it to send and reply to messages within SES.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Communication**.\n\n3.  Click **Send Communication**.\n\n4.  Complete the form the same way you would an email.\n\n    **Note:** Agency users can select which company users to send the communication to in the Recipient section of the form.\n\n5.  Click **Send Communication**.\n\nThe communication is sent and is available for recipients to view and reply within SES. A notification is also sent to the recipent's email indicating that the communication is available to view in the system.\n\n**Note:** To reply to a message, navigate to the Communication page and click **Add Reply** for the desired message.\n\n**Parent topic:**Managing Communications",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\interactions\\topics\\t_agency_communications_sending.md",
      "relative_path": "maps\\SES\\chapter\\interactions\\topics\\t_agency_communications_sending.md",
      "headings": [
        "Sending Communications between Agency and Company {#xd_ae634df320cf11a1--40c8bd39-199b4901aae--7fc0 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/interactions/topics/t_agency_communications_sending.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/plan/topics/c_agency_SA_ManagingPlan.md:chunk-0",
      "title": "Managing the Plan {#c_agency_ManagingPlan .concept}",
      "content": "# Managing the Plan \n\nThe plan informs participants of their responsibilities within the exam. Defining the plan is optional.\n\n**Note:** You must be logged in as a staff user from the lead agency assigned as participant on a supervisory activity or the examiner in charge \\(EIC\\) to define the plan.\n\n**Fastpath:** View the SES Milestones Prezi for a handy job-aid.\n\n-   **Defining the Plan**  \nA supervisory activity requires a plan defining the location where the exam or investigation will occur, and identifying owners and contributors for each Area for Review included in the SA. Related documents and comments can be attached to the plan.\n-   **Updating the Plan**  \nThe SA plan can be reviewed, updated, and when ready, marked complete.\n-   **Managing Plan Assignments for Multi-state Examinations**  \nAfter the plan has been defined by the lead agency, staff users assigned as a participant on a multi-state examination that are not in the lead agency can manage plan assignments.\n\n**Parent topic:**Conducting a Supervisory Activity\n\n**Previous topic:**Milestones and the Supervisory Activity Workflow\n\n**Next topic:**Defining the Plan",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\plan\\topics\\c_agency_SA_ManagingPlan.md",
      "relative_path": "maps\\SES\\chapter\\plan\\topics\\c_agency_SA_ManagingPlan.md",
      "headings": [
        "Managing the Plan {#c_agency_ManagingPlan .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/plan/topics/c_agency_SA_ManagingPlan.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/plan/topics/t_agency_SA_DefinePlan-1.md:chunk-0",
      "title": "Defining the Plan {#t_agencyDefinePlan .task}",
      "content": "# Defining the Plan \n\nA supervisory activity requires a plan defining the location where the exam or investigation will occur, and identifying owners and contributors for each Area for Review included in the SA. Related documents and comments can be attached to the plan.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Plan**.\n\n    \n\n3.  Click **Define Plan**.\n\n4.  Fill out the location details, upload any documents, and leave any relevant comments.\n\n5.  Select an **Owner** and **Contributors** for each area for review \\(AFR\\) to define the plan.\n\n    \n\n    **Note:** Every AFR requires an owner. By default, the owner for each area for review is set to the examiner in charge. The selected owner for each AFR receives an email notification.\n\n6.  Select **Mark Plan as Complete**.\n\n7.  Click **Complete Plan**.\n\n    \n\n    **Note:** If you wish to send the plan for review, select **Send Plan for Review**. The Review process is the same as sending the Scope for Review. Please refer to article: Sending the Scope for Review\n\n**Parent topic:**Managing the Plan\n\n**Related information**  \n\nUpdating the Plan\n\nManaging Plan Assignments for Multi-state Examinations",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\plan\\topics\\t_agency_SA_DefinePlan-1.md",
      "relative_path": "maps\\SES\\chapter\\plan\\topics\\t_agency_SA_DefinePlan-1.md",
      "headings": [
        "Defining the Plan {#t_agencyDefinePlan .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/plan/topics/t_agency_SA_DefinePlan-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/plan/topics/t_agency_SA_DefinePlan.md:chunk-0",
      "title": "Defining the Plan {#t_agencyDefinePlan .task}",
      "content": "# Defining the Plan \n\nA supervisory activity requires a plan defining the location where the exam or investigation will occur, and identifying owners and contributors for each Area for Review included in the SA. Related documents and comments can be attached to the plan.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Plan**.\n\n    \n\n3.  Click **Define Plan**.\n\n4.  Fill out the location details, upload any documents, and leave any relevant comments.\n\n5.  Select an **Owner** and **Contributors** for each area for review \\(AFR\\) to define the plan.\n\n    \n\n    **Note:** Every AFR requires an owner. By default, the owner for each area for review is set to the examiner in charge. The selected owner for each AFR receives an email notification.\n\n6.  Select **Mark Plan as Complete**.\n\n7.  Click **Complete Plan**.\n\n    \n\n    **Note:** If you wish to send the plan for review, select **Send Plan for Review**. The Review process is the same as sending the Scope for Review. Please refer to article: Sending the Scope for Review",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\plan\\topics\\t_agency_SA_DefinePlan.md",
      "relative_path": "maps\\SES\\chapter\\plan\\topics\\t_agency_SA_DefinePlan.md",
      "headings": [
        "Defining the Plan {#t_agencyDefinePlan .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/plan/topics/t_agency_SA_DefinePlan.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/plan/topics/t_agency_SA_ManagePlanAssignMulti-state.md:chunk-0",
      "title": "Managing Plan Assignments for Multi-state Examinations {#t_agencyManagePlanAssignMulti_state .task}",
      "content": "# Managing Plan Assignments for Multi-state Examinations \n\nAfter the plan has been defined by the lead agency, staff users assigned as a participant on a multi-state examination that are not in the lead agency can manage plan assignments.\n\nThis allows the staff users to change the owners and additional contributors for specific areas for review \\(AFRs\\) that are owned by their agency.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Plan**.\n\n    \n\n3.  Click **Manage Plan Assignments**.\n\n    \n\n4.  Select the desired owners and additional contributors for specific AFRs owned by your agency.\n\n    \n\n**Parent topic:**Managing the Plan\n\n**Related information**  \n\nDefining the Plan\n\nUpdating the Plan",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\plan\\topics\\t_agency_SA_ManagePlanAssignMulti-state.md",
      "relative_path": "maps\\SES\\chapter\\plan\\topics\\t_agency_SA_ManagePlanAssignMulti-state.md",
      "headings": [
        "Managing Plan Assignments for Multi-state Examinations {#t_agencyManagePlanAssignMulti_state .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/plan/topics/t_agency_SA_ManagePlanAssignMulti-state.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/plan/topics/t_agency_SA_UpdatePlan.md:chunk-0",
      "title": "Updating the Plan {#t_agencyUpdatePlan .task}",
      "content": "# Updating the Plan \n\nThe SA plan can be reviewed, updated, and when ready, marked complete.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Plan**.\n\n    \n\n3.  Click **Update Plan**.\n\n    **Note:** You can update the plan at any time during the exam up until the report is sent to the company.\n\n4.  Select **Mark Plan as Complete**.\n\n5.  Click **Complete Plan**.\n\n    \n\n    **Note:** If you wish to send the plan for review, select **Send Plan for Review**. The Review process is the same as sending the Scope for Review. Please refer to article: Sending the Scope for Review\n\n**Parent topic:**Managing the Plan\n\n**Related information**  \n\nDefining the Plan\n\nManaging Plan Assignments for Multi-state Examinations",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\plan\\topics\\t_agency_SA_UpdatePlan.md",
      "relative_path": "maps\\SES\\chapter\\plan\\topics\\t_agency_SA_UpdatePlan.md",
      "headings": [
        "Updating the Plan {#t_agencyUpdatePlan .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/plan/topics/t_agency_SA_UpdatePlan.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/scope/topics/c_agency_SA_ManageScope-1.md:chunk-0",
      "title": "Managing the Scope {#c_agencyManageScope .concept}",
      "content": "# Managing the Scope \n\nThe scope determines the content that will be reviewed during a supervisory activity, including the review period, business types and business activities, and the areas for review within the selected business types and activities.\n\nSES allows you to define the scope by either:\n\n-   Defining the Scope by Creating a New Scope\n-   Defining the Scope by Copying the Scope of an Existing SA\n\nThis functionality supports the objectives of networked supervision by giving state agencies another tool to collaborate and leverage the work of other agencies. See Leveraging Another Agency's Supervisory Activity for more information.\n\n**Note:** Only staff users assigned as Participants on a supervisory activity and the Examiner in Charge can define the Scope.\n\n**Note:** Depending on the combination of business types and business activities you select, you have the option to select how you want to build the scope – manually or automatically by using a deisgnated work program. For example, you can automatically build the scope using the SES Work Programs.\n\nSelecting a work program automatically populates the AFRs that correspond to the work program. The AFRs that are “key” to a work program are identified by a green ribbon icon .\n\nRemoving any of the key AFRs associated with a work program removes the work program badge from the SA.\n\nIf you manually add all of the key AFRs for a work program, a badge is automatically applied. You have the option to remove the badge by re-selecting the \"Manually Add AFRs\" button. See SES Work Programs for further details.\n\n**Fastpath:** View the SES Milestones Prezi for a handy job-aid.\n\n-   **Defining the Scope by Creating a New Scope**  \nWhen defining the scope, you can select the relevant business types, business activities, and areas for review \\(AFRs\\) for an examination or investigation.\n-   **Defining the Scope by Copying the Scope of an Existing SA**  \nWhen defining the scope, you can copy the scope of an existing superv",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\scope\\topics\\c_agency_SA_ManageScope-1.md",
      "relative_path": "maps\\SES\\chapter\\scope\\topics\\c_agency_SA_ManageScope-1.md",
      "headings": [
        "Managing the Scope {#c_agencyManageScope .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/scope/topics/c_agency_SA_ManageScope-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/scope/topics/c_agency_SA_ManageScope-1.md:chunk-1",
      "title": "Managing the Scope {#c_agencyManageScope .concept}",
      "content": "areas for review \\(AFRs\\) for an examination or investigation.\n-   **Defining the Scope by Copying the Scope of an Existing SA**  \nWhen defining the scope, you can copy the scope of an existing supervisory activity.\n-   **Updating the Scope**  \nExaminers in Charge \\(EIC\\)s and Staff Users that are participants on a supervisory activity \\(SA\\) can make updates to the examination scope and save them to the SA any time before the report is sent to the company.\n-   **Marking the Scope Complete**  \nOnce scope is marked complete, information requests are added to the SA and the Examination tab becomes available.\n-   **Sending the Scope for Review**  \nUsers with a reviewer role can review the exam or investigation scope. Only the primary reviewer can approve the scope.\n\n**Parent topic:**Conducting a Supervisory Activity\n\n**Previous topic:**Managing Plan Assignments for Multi-state Examinations\n\n**Next topic:**Defining the Scope by Creating a New Scope",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\scope\\topics\\c_agency_SA_ManageScope-1.md",
      "relative_path": "maps\\SES\\chapter\\scope\\topics\\c_agency_SA_ManageScope-1.md",
      "headings": [
        "Managing the Scope {#c_agencyManageScope .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/scope/topics/c_agency_SA_ManageScope-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/scope/topics/c_agency_SA_ManageScope.md:chunk-0",
      "title": "Managing the Scope {#c_agencyManageScope .concept}",
      "content": "# Managing the Scope \n\nThe scope determines the content that will be reviewed during a supervisory activity, including the review period, business types and business activities, and the areas for review within the selected business types and activities.\n\nSES allows you to define the scope by either:\n\n-   Defining the Scope by Creating a New Scope\n-   Defining the Scope by Copying the Scope of an Existing SA\n\nThis functionality supports the objectives of networked supervision by giving state agencies another tool to collaborate and leverage the work of other agencies. See Leveraging Another Agency's Supervisory Activity for more information.\n\n**Note:** Only staff users assigned as Participants on a supervisory activity and the Examiner in Charge can define the Scope.\n\n**Note:** Depending on the combination of business types and business activities you select, you have the option to select how you want to build the scope – manually or automatically by using a deisgnated work program. For example, you can automatically build the scope using the SES Work Programs.\n\nSelecting a work program automatically populates the AFRs that correspond to the work program. The AFRs that are “key” to a work program are identified by a green ribbon icon .\n\nRemoving any of the key AFRs associated with a work program removes the work program badge from the SA.\n\nIf you manually add all of the key AFRs for a work program, a badge is automatically applied. You have the option to remove the badge by re-selecting the \"Manually Add AFRs\" button. See SES Work Programs for further details.\n\n**Fastpath:** View the SES Milestones Prezi for a handy job-aid.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\scope\\topics\\c_agency_SA_ManageScope.md",
      "relative_path": "maps\\SES\\chapter\\scope\\topics\\c_agency_SA_ManageScope.md",
      "headings": [
        "Managing the Scope {#c_agencyManageScope .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/scope/topics/c_agency_SA_ManageScope.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/scope/topics/c_agency_scopeReview-1.md:chunk-0",
      "title": "Reviewing the Scope as the Primary Reviewer {#xd_80647b36c08634d1--224c7740-180a488b21a--7ff8 .concept}",
      "content": "# Reviewing the Scope as the Primary Reviewer \n\nOnce the examiner in charge \\(EIC\\) sends an item \\(Scope, Plan, MRA, etc.\\) for review, the first reviewer selected in the step is the primary reviewer. Only the first reviewer selected to review the item can follow these steps.\n\n**Note:** The primary reviewer receives an email notification that the task to review the scope was assigned.\n\n**Fastpath:** View the SES Milestones Prezi for a handy job-aid.\n\n-   **Approving the Scope**  \nExaminers added as reviewers for a Supervisory Activity Scope can review and add comments to the proposed scope for the Examiner in Charge, or mark the scope approved.\n-   **Updating the Scope as Part of the Review Process**  \nThe Primary Reviewer of a supervisory activity \\(SA\\) can make updates to the examination scope and save them to the SA any time before the report is sent to the company.\n-   **Adding New Reviewers**  \nAs the primary reviewer, you can add new reviewers. Additional reviewers can review and add comments, but only the primary reviewer can make a final approval decision.\n-   **Reassigning the Primary Reviewer**  \nThe Scope of the exam can be reviewed by others at your agency if you are not able to serve as the primary reviewer.\n-   **Sending the Scope Back for Revision**  \nIf you have reviewed the scope of the SA and find that it needs to be revised, you can add your rationale and send it back for revision.\n\n**Parent topic:**Conducting a Supervisory Activity\n\n**Previous topic:**Sending the Scope for Review\n\n**Next topic:**Approving the Scope",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\scope\\topics\\c_agency_scopeReview-1.md",
      "relative_path": "maps\\SES\\chapter\\scope\\topics\\c_agency_scopeReview-1.md",
      "headings": [
        "Reviewing the Scope as the Primary Reviewer {#xd_80647b36c08634d1--224c7740-180a488b21a--7ff8 .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/scope/topics/c_agency_scopeReview-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/scope/topics/c_agency_scopeReview.md:chunk-0",
      "title": "Reviewing the Scope as the Primary Reviewer {#xd_80647b36c08634d1--224c7740-180a488b21a--7ff8 .concept}",
      "content": "# Reviewing the Scope as the Primary Reviewer \n\nOnce the examiner in charge \\(EIC\\) sends an item \\(Scope, Plan, MRA, etc.\\) for review, the first reviewer selected in the step is the primary reviewer. Only the first reviewer selected to review the item can follow these steps.\n\n**Note:** The primary reviewer receives an email notification that the task to review the scope was assigned.\n\n**Fastpath:** View the SES Milestones Prezi for a handy job-aid.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\scope\\topics\\c_agency_scopeReview.md",
      "relative_path": "maps\\SES\\chapter\\scope\\topics\\c_agency_scopeReview.md",
      "headings": [
        "Reviewing the Scope as the Primary Reviewer {#xd_80647b36c08634d1--224c7740-180a488b21a--7ff8 .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/scope/topics/c_agency_scopeReview.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/scope/topics/t_agency_SA_ScopeMarkComplete.md:chunk-0",
      "title": "Marking the Scope Complete {#t_agencymarkingTheScopeComplete .task}",
      "content": "# Marking the Scope Complete \n\nOnce scope is marked complete, information requests are added to the SA and the Examination tab becomes available.\n\n**Single-state Exams:** Standard and agency core information Requests \\(IRs\\) are automatically added to the SA based on the scope type selected and the Examination tab becomes available. If an IR does not have an association with the scope type selected, the system does not automatically add it to the SA.\n\n**Multi-state Exams:** Only the standard core IRs are automatically added to the SA based on the scope type selected and the Examination tab becomes available.\n\nIf you are conducting an investigation, the core and non-core designation for IRs is not automatically added.\n\n1.  Select **Mark Scope as Complete**.\n\n2.  Click **Complete Scope**.\n\n    **Note:** For SAs with a \"Leveraged\" scope type, you have the option of manually moving the SA to the in-flight milestone after marking the scope complete.\n\n3.  Select if you want to auto-send information requests.\n\n    1.  Select **Yes**.\n\n    2.  Select the **Send IRs On** date.\n\n    3.  Select the **Company Response Due Date**.\n\n    4.  Click **Auto Send IRs**.\n\nTo learn more about agency and standard core information requests, please refer to the Managing the Library.\n\n**Parent topic:**Managing the Scope",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\scope\\topics\\t_agency_SA_ScopeMarkComplete.md",
      "relative_path": "maps\\SES\\chapter\\scope\\topics\\t_agency_SA_ScopeMarkComplete.md",
      "headings": [
        "Marking the Scope Complete {#t_agencymarkingTheScopeComplete .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/scope/topics/t_agency_SA_ScopeMarkComplete.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/scope/topics/t_agency_SA_ScopeSendForReview-1.md:chunk-0",
      "title": "Sending the Scope for Review {#t_agencysendingTheScopeForReview .task}",
      "content": "# Sending the Scope for Review \n\nUsers with a reviewer role can review the exam or investigation scope. Only the primary reviewer can approve the scope.\n\n1.  Select **Send Scope for Review**.\n\n2.  Select the **Primary Reviewer**.\n\n    \n\n    **Note:** Only those with the Reviewer role in the system appear in the **Primary Reviewer** list. If additional reviewers are added, they must also hold the reviewer role in the system otherwise they will not appear in the list.\n\n3.  Select whether you would like to add any additional reviewers.\n\n    \n\n    1.  If you selected **Yes**, click **Add Reviewer**.\n\n        \n\n    2.  Select the Reviewer from the **Reviewer** list.\n\n    3.  Add the **Deadline** \\(date and time\\).\n\n    4.  Click **Add Reviewer**.\n\n        \n\n    **Note:** The primary reviewer appears as the first reviewer in the list. Additional reviewers can review and add comments, but only the Primary Reviewer can make a final approval decision.\n\n4.  Click **Send Scope for Review** in the bottom right.\n\n    \n\n    **Note:** Reviewers can add business types when the scope is in an “In Review” status.\n\n**Parent topic:**Managing the Scope",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\scope\\topics\\t_agency_SA_ScopeSendForReview-1.md",
      "relative_path": "maps\\SES\\chapter\\scope\\topics\\t_agency_SA_ScopeSendForReview-1.md",
      "headings": [
        "Sending the Scope for Review {#t_agencysendingTheScopeForReview .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/scope/topics/t_agency_SA_ScopeSendForReview-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/scope/topics/t_agency_SA_ScopeSendForReview.md:chunk-0",
      "title": "Sending the Scope for Review {#t_agencysendingTheScopeForReview .task}",
      "content": "# Sending the Scope for Review \n\nUsers with a reviewer role can review the exam or investigation scope. Only the primary reviewer can approve the scope.\n\n1.  Select **Send Scope for Review**.\n\n2.  Select the **Primary Reviewer**.\n\n    \n\n    **Note:** Only those with the Reviewer role in the system appear in the **Primary Reviewer** list. If additional reviewers are added, they must also hold the reviewer role in the system otherwise they will not appear in the list.\n\n3.  Select whether you would like to add any additional reviewers.\n\n    \n\n    1.  If you selected **Yes**, click **Add Reviewer**.\n\n        \n\n    2.  Select the Reviewer from the **Reviewer** list.\n\n    3.  Add the **Deadline** \\(date and time\\).\n\n    4.  Click **Add Reviewer**.\n\n        \n\n    **Note:** The primary reviewer appears as the first reviewer in the list. Additional reviewers can review and add comments, but only the Primary Reviewer can make a final approval decision.\n\n4.  Click **Send Scope for Review** in the bottom right.\n\n    \n\n    **Note:** Reviewers can add business types when the scope is in an “In Review” status.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\scope\\topics\\t_agency_SA_ScopeSendForReview.md",
      "relative_path": "maps\\SES\\chapter\\scope\\topics\\t_agency_SA_ScopeSendForReview.md",
      "headings": [
        "Sending the Scope for Review {#t_agencysendingTheScopeForReview .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/scope/topics/t_agency_SA_ScopeSendForReview.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/scope/topics/t_agency_SA_definingScope-1.md:chunk-0",
      "title": "Defining the Scope by Creating a New Scope {#t_agencydefiningTheScope .task}",
      "content": "# Defining the Scope by Creating a New Scope \n\nWhen defining the scope, you can select the relevant business types, business activities, and areas for review \\(AFRs\\) for an examination or investigation.\n\nWhen defining the scope, you must select the Area for Review. Areas for review are managed in the SES Library. See Managing the Library for more information.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Scope**.\n\n    \n\n3.  Click **Define Scope** in the top right.\n\n    \n\n4.  Click **Create New Scope**.\n\n5.  Click **Continue**.\n\n6.  Enter **Review Period** information, add comments, and upload applicable documents \\(if any\\).\n\n7.  Review the Business Types and make any updates \\(if necessary\\).\n\n8.  Select the Scope Definition Method.\n\n    -   **Business Activities**: Start defining the scope by selecting business activities. Based on the selections made, available work programs are presented in the next step.\n    -   **Work Program**: Start defining the scope by selecting a work program. Available work programs and their accompanying activities are presented in the next step. See SES Work Programs for further details.\n9.  Click **Continue**.\n\n10. Select the Business Activities & Work Program for the exam.\n\n    **Note:** You also have the option to **Manually Add AFRs**.\n\n11. Click **Continue**.\n\n12. Select the AFR Details.\n\n    -   If you selected a **Work Program**, the AFRs are automatically populated. Review and make any necessary updates.\n    -   If you selected to manually add AFRs, choose the desired **Area for Review**, **Business Types**, and **Business Activities**.\n13. Select your desired Next Available Action:\n\n    -   **Save In Progress Scope**\n    -   **Mark Scope as Complete**\n    -   **Send Scope for Review**\n\n**Parent topic:**Managing the Scope",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\scope\\topics\\t_agency_SA_definingScope-1.md",
      "relative_path": "maps\\SES\\chapter\\scope\\topics\\t_agency_SA_definingScope-1.md",
      "headings": [
        "Defining the Scope by Creating a New Scope {#t_agencydefiningTheScope .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/scope/topics/t_agency_SA_definingScope-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/scope/topics/t_agency_SA_definingScope.md:chunk-0",
      "title": "Defining the Scope by Creating a New Scope {#t_agencydefiningTheScope .task}",
      "content": "# Defining the Scope by Creating a New Scope \n\nWhen defining the scope, you can select the relevant business types, business activities, and areas for review \\(AFRs\\) for an examination or investigation.\n\nWhen defining the scope, you must select the Area for Review. Areas for review are managed in the SES Library. See Managing the Library for more information.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Scope**.\n\n    \n\n3.  Click **Define Scope** in the top right.\n\n    \n\n4.  Click **Create New Scope**.\n\n5.  Click **Continue**.\n\n6.  Enter **Review Period** information, add comments, and upload applicable documents \\(if any\\).\n\n7.  Review the Business Types and make any updates \\(if necessary\\).\n\n8.  Select the Scope Definition Method.\n\n    -   **Business Activities**: Start defining the scope by selecting business activities. Based on the selections made, available work programs are presented in the next step.\n    -   **Work Program**: Start defining the scope by selecting a work program. Available work programs and their accompanying activities are presented in the next step. See SES Work Programs for further details.\n9.  Click **Continue**.\n\n10. Select the Business Activities & Work Program for the exam.\n\n    **Note:** You also have the option to **Manually Add AFRs**.\n\n11. Click **Continue**.\n\n12. Select the AFR Details.\n\n    -   If you selected a **Work Program**, the AFRs are automatically populated. Review and make any necessary updates.\n    -   If you selected to manually add AFRs, choose the desired **Area for Review**, **Business Types**, and **Business Activities**.\n13. Select your desired Next Available Action:\n\n    -   **Save In Progress Scope**\n    -   **Mark Scope as Complete**\n    -   **Send Scope for Review**",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\scope\\topics\\t_agency_SA_definingScope.md",
      "relative_path": "maps\\SES\\chapter\\scope\\topics\\t_agency_SA_definingScope.md",
      "headings": [
        "Defining the Scope by Creating a New Scope {#t_agencydefiningTheScope .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/scope/topics/t_agency_SA_definingScope.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/scope/topics/t_agency_definingScopeCopy-1.md:chunk-0",
      "title": "Defining the Scope by Copying the Scope of an Existing SA {#xd_92f09a0378774b55-7e4544b1-18e95049cc1--7ffd .task}",
      "content": "# Defining the Scope by Copying the Scope of an Existing SA \n\nWhen defining the scope, you can copy the scope of an existing supervisory activity.\n\nYou can efficiently reuse or copy existing scopes from their agency's SAs. This functionality enables users to select a predefined scope from an existing SA, serving as a template for new SA. Copying the scope of an existing SA copies the key details, including business types, scope, information requests \\(IRs\\) \\(including custom ones\\), and procedures.\n\nThe following business rules apply when copying the scope of a SA:\n\n-   The user’s agency must be the lead agency.\n-   The user can copy the scope of both a single state SA or multistate SA.\n-   The system will copy over the Review Period, Business Activities \\(Bas\\), Scope Type, IRs, Procedures, including those that were manually added to a SA.\n-   The system will not copy any removed or cancelled IRs or Procedures.\n-   If the user selects a SA that has different business types than the newly created SA, the system will overwrite the new SA’s business types.\n-   All copied fields are editable after they have been copied over from the existing SA.\n-   The user can see the SA ID of the scope they copied on the scope tab of the newly created SA.\n\nCopying the scope of an existing SA is intended to save agencies time with their daily supervision work by selecting a pre-defined scope that is customized to the agency user’s needs.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Scope**.\n\n    \n\n3.  Click **Define Scope** in the top right.\n\n    \n\n4.  Click **Copy Scope**.\n\n5.  Select a supervisory activity from the list to begin copying the scope.\n\n6.  Select whether or not to include custom IRs.\n\n7.  Click **Copy Scope**.\n\n8.  \n\n**Parent topic:**Managing the Scope",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\scope\\topics\\t_agency_definingScopeCopy-1.md",
      "relative_path": "maps\\SES\\chapter\\scope\\topics\\t_agency_definingScopeCopy-1.md",
      "headings": [
        "Defining the Scope by Copying the Scope of an Existing SA {#xd_92f09a0378774b55-7e4544b1-18e95049cc1--7ffd .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/scope/topics/t_agency_definingScopeCopy-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/scope/topics/t_agency_definingScopeCopy.md:chunk-0",
      "title": "Defining the Scope by Copying the Scope of an Existing SA {#xd_92f09a0378774b55-7e4544b1-18e95049cc1--7ffd .task}",
      "content": "# Defining the Scope by Copying the Scope of an Existing SA \n\nWhen defining the scope, you can copy the scope of an existing supervisory activity.\n\nYou can efficiently reuse or copy existing scopes from their agency's SAs. This functionality enables users to select a predefined scope from an existing SA, serving as a template for new SA. Copying the scope of an existing SA copies the key details, including business types, scope, information requests \\(IRs\\) \\(including custom ones\\), and procedures.\n\nThe following business rules apply when copying the scope of a SA:\n\n-   The user’s agency must be the lead agency.\n-   The user can copy the scope of both a single state SA or multistate SA.\n-   The system will copy over the Review Period, Business Activities \\(Bas\\), Scope Type, IRs, Procedures, including those that were manually added to a SA.\n-   The system will not copy any removed or cancelled IRs or Procedures.\n-   If the user selects a SA that has different business types than the newly created SA, the system will overwrite the new SA’s business types.\n-   All copied fields are editable after they have been copied over from the existing SA.\n-   The user can see the SA ID of the scope they copied on the scope tab of the newly created SA.\n\nCopying the scope of an existing SA is intended to save agencies time with their daily supervision work by selecting a pre-defined scope that is customized to the agency user’s needs.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Scope**.\n\n    \n\n3.  Click **Define Scope** in the top right.\n\n    \n\n4.  Click **Copy Scope**.\n\n5.  Select a supervisory activity from the list to begin copying the scope.\n\n6.  Select whether or not to include custom IRs.\n\n7.  Click **Copy Scope**.\n\n8.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\scope\\topics\\t_agency_definingScopeCopy.md",
      "relative_path": "maps\\SES\\chapter\\scope\\topics\\t_agency_definingScopeCopy.md",
      "headings": [
        "Defining the Scope by Copying the Scope of an Existing SA {#xd_92f09a0378774b55-7e4544b1-18e95049cc1--7ffd .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/scope/topics/t_agency_definingScopeCopy.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/scope/topics/t_agency_scopeAddReviwer.md:chunk-0",
      "title": "Adding New Reviewers {#xd_80647b36c08634d1--224c7740-180a488b21a--7ff5 .task}",
      "content": "# Adding New Reviewers \n\nAs the primary reviewer, you can add new reviewers. Additional reviewers can review and add comments, but only the primary reviewer can make a final approval decision.\n\n1.  >Click the **Review Scope** task on the homepage.\n\n    \n\n2.  To review the complete SA, click **Click here to review**.\n\n    \n\n3.  Click **Add New Reviewers**.\n\n    \n\n4.  Click **Add Reviewer**.\n\n    \n\n5.  Select the desired **Reviewer**.\n\n6.  Add the **Deadline** \\(date and time\\).\n\n7.  Click **Add Reviewer** in the bottom right.\n\n    \n\n    Adding additional reviewers enables two options in the **Timing** column:\n\n8.  Select an option in the **Timing** column.\n\n    -   **Sequential**: Reviewers receive the scope to review one after another.\n    -   **Parallel**: Reviewers receive the scope to review at the same time.\n9.  Click **Save Reviewers** in the bottom right.\n\n    \n\n**Parent topic:**Reviewing the Scope as the Primary Reviewer\n\n**Related information**  \n\nApproving the Scope\n\nUpdating the Scope as Part of the Review Process\n\nReassigning the Primary Reviewer\n\nSending the Scope Back for Revision",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\scope\\topics\\t_agency_scopeAddReviwer.md",
      "relative_path": "maps\\SES\\chapter\\scope\\topics\\t_agency_scopeAddReviwer.md",
      "headings": [
        "Adding New Reviewers {#xd_80647b36c08634d1--224c7740-180a488b21a--7ff5 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/scope/topics/t_agency_scopeAddReviwer.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/scope/topics/t_agency_scopeApprove.md:chunk-0",
      "title": "Approving the Scope {#xd_80647b36c08634d1--224c7740-180a488b21a--7ff7 .task}",
      "content": "# Approving the Scope \n\nExaminers added as reviewers for a Supervisory Activity Scope can review and add comments to the proposed scope for the Examiner in Charge, or mark the scope approved.\n\n1.  >Click the **Review Scope** task on the homepage.\n\n    \n\n2.  To review the complete SA, click **Click here to review**.\n\n    \n\n3.  Review the Scope information.\n\n4.  Return to the Review Scope page with review decision.\n\n    **Note:** You may need to click on the previous tab in your browser.\n\n    \n\n5.  Add any comments \\(if applicable\\) for the EIC.\n\n6.  Click **Approve Scope** > **Mark as Complete**.\n\n    \n\nAn email notification is sent to the EIC stating the review is complete.\n\n**Parent topic:**Reviewing the Scope as the Primary Reviewer\n\n**Related information**  \n\nUpdating the Scope as Part of the Review Process\n\nAdding New Reviewers\n\nReassigning the Primary Reviewer\n\nSending the Scope Back for Revision",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\scope\\topics\\t_agency_scopeApprove.md",
      "relative_path": "maps\\SES\\chapter\\scope\\topics\\t_agency_scopeApprove.md",
      "headings": [
        "Approving the Scope {#xd_80647b36c08634d1--224c7740-180a488b21a--7ff7 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/scope/topics/t_agency_scopeApprove.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/scope/topics/t_agency_scopeReassignPrimaryReviewer.md:chunk-0",
      "title": "Reassigning the Primary Reviewer {#xd_80647b36c08634d1--224c7740-180a488b21a--7ff4 .task}",
      "content": "# Reassigning the Primary Reviewer \n\nThe Scope of the exam can be reviewed by others at your agency if you are not able to serve as the primary reviewer.\n\n1.  >Click the **Review Scope** task on the homepage.\n\n    \n\n2.  To review the complete SA, click **Click here to review**.\n\n    \n\n3.  Click **Reassign Primary Reviewer**.\n\n    \n\n4.  Select the **Primary Reviewer** from the dropdown.\n\n5.  Select whether you want to add additional reviewers.\n\n    1.  If **Yes**, follow the steps in Adding New Reviewers.\n\n    2.  If **No**, click **Submit Assignments** in the bottom right.\n\n        \n\n**Parent topic:**Reviewing the Scope as the Primary Reviewer\n\n**Related information**  \n\nApproving the Scope\n\nUpdating the Scope as Part of the Review Process\n\nAdding New Reviewers\n\nSending the Scope Back for Revision",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\scope\\topics\\t_agency_scopeReassignPrimaryReviewer.md",
      "relative_path": "maps\\SES\\chapter\\scope\\topics\\t_agency_scopeReassignPrimaryReviewer.md",
      "headings": [
        "Reassigning the Primary Reviewer {#xd_80647b36c08634d1--224c7740-180a488b21a--7ff4 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/scope/topics/t_agency_scopeReassignPrimaryReviewer.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/scope/topics/t_agency_scopeSendBackForRevision.md:chunk-0",
      "title": "Sending the Scope Back for Revision {#xd_80647b36c08634d1--224c7740-180a488b21a--7ff3 .task}",
      "content": "# Sending the Scope Back for Revision \n\nIf you have reviewed the scope of the SA and find that it needs to be revised, you can add your rationale and send it back for revision.\n\n1.  >Click the **Review Scope** task on the homepage.\n\n    \n\n2.  To review the complete SA, click **Click here to review**.\n\n    \n\n3.  Review the Scope information.\n\n4.  Return to the Review Scope page with review decision.\n\n    **Note:** You may need to click on the previous tab in your browser.\n\n    \n\n5.  Enter a reason for sending back in the comments section.\n\n6.  Click **Send Back For Revision** > **Mark as Complete**.\n\n    \n\n**Parent topic:**Reviewing the Scope as the Primary Reviewer\n\n**Related information**  \n\nApproving the Scope\n\nUpdating the Scope as Part of the Review Process\n\nAdding New Reviewers\n\nReassigning the Primary Reviewer",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\scope\\topics\\t_agency_scopeSendBackForRevision.md",
      "relative_path": "maps\\SES\\chapter\\scope\\topics\\t_agency_scopeSendBackForRevision.md",
      "headings": [
        "Sending the Scope Back for Revision {#xd_80647b36c08634d1--224c7740-180a488b21a--7ff3 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/scope/topics/t_agency_scopeSendBackForRevision.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/scope/topics/t_agency_scopeUpdate-1.md:chunk-0",
      "title": "Updating the Scope {#xd_19818fa6c2797726-ec28950-18f49239a68--7ffc .task}",
      "content": "# Updating the Scope \n\nExaminers in Charge \\(EIC\\)s and Staff Users that are participants on a supervisory activity \\(SA\\) can make updates to the examination scope and save them to the SA any time before the report is sent to the company.\n\n**Note:** This topic describes how to update the scope from the Scope tab of an SA. You can update the Scope Type from the Details tab of an SA. See Updating the Basic Details of a Supervisory Activity for more information.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Scope**.\n\n    \n\n3.  Click **Update Scope**.\n\n    \n\n4.  Make the necessary updates.\n\n    **Note:** If you remove an area for review \\(AFR\\), the information requests and procedures related to the AFR that have not yet been sent to the company will also be removed.\n\n5.  Click **Save Scope** in the bottom right.\n\n    \n\n**Parent topic:**Managing the Scope",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\scope\\topics\\t_agency_scopeUpdate-1.md",
      "relative_path": "maps\\SES\\chapter\\scope\\topics\\t_agency_scopeUpdate-1.md",
      "headings": [
        "Updating the Scope {#xd_19818fa6c2797726-ec28950-18f49239a68--7ffc .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/scope/topics/t_agency_scopeUpdate-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/scope/topics/t_agency_scopeUpdate.md:chunk-0",
      "title": "Updating the Scope {#xd_19818fa6c2797726-ec28950-18f49239a68--7ffc .task}",
      "content": "# Updating the Scope \n\nExaminers in Charge \\(EIC\\)s and Staff Users that are participants on a supervisory activity \\(SA\\) can make updates to the examination scope and save them to the SA any time before the report is sent to the company.\n\n**Note:** This topic describes how to update the scope from the Scope tab of an SA. You can update the Scope Type from the Details tab of an SA. See Updating the Basic Details of a Supervisory Activity for more information.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Scope**.\n\n    \n\n3.  Click **Update Scope**.\n\n    \n\n4.  Make the necessary updates.\n\n    **Note:** If you remove an area for review \\(AFR\\), the information requests and procedures related to the AFR that have not yet been sent to the company will also be removed.\n\n5.  Click **Save Scope** in the bottom right.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\scope\\topics\\t_agency_scopeUpdate.md",
      "relative_path": "maps\\SES\\chapter\\scope\\topics\\t_agency_scopeUpdate.md",
      "headings": [
        "Updating the Scope {#xd_19818fa6c2797726-ec28950-18f49239a68--7ffc .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/scope/topics/t_agency_scopeUpdate.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/scope/topics/t_agency_scopeUpdateReview.md:chunk-0",
      "title": "Updating the Scope as Part of the Review Process {#xd_80647b36c08634d1--224c7740-180a488b21a--7ff6 .task}",
      "content": "# Updating the Scope as Part of the Review Process \n\nThe Primary Reviewer of a supervisory activity \\(SA\\) can make updates to the examination scope and save them to the SA any time before the report is sent to the company.\n\n**Note:** This topic describes how to update the scope as part of the Review Scope task workflow. You can also update the scope from the Scope tab of an SA. See Updating the Scope for more information.\n\n1.  >Click the **Review Scope** task on the homepage.\n\n    \n\n2.  To review the complete SA, click **Click here to review**.\n\n    \n\n3.  Click **Update Scope**.\n\n    \n\n4.  Make the necessary updates.\n\n    **Note:** If you remove an area for review \\(AFR\\), the information requests and procedures related to the AFR that have not yet been sent to the company will also be removed.\n\n5.  Click **Save Scope** in the bottom right.\n\n    \n\n**Parent topic:**Reviewing the Scope as the Primary Reviewer\n\n**Related information**  \n\nApproving the Scope\n\nAdding New Reviewers\n\nReassigning the Primary Reviewer\n\nSending the Scope Back for Revision",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\scope\\topics\\t_agency_scopeUpdateReview.md",
      "relative_path": "maps\\SES\\chapter\\scope\\topics\\t_agency_scopeUpdateReview.md",
      "headings": [
        "Updating the Scope as Part of the Review Process {#xd_80647b36c08634d1--224c7740-180a488b21a--7ff6 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/scope/topics/t_agency_scopeUpdateReview.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/sysRel/topics/c_SES_SystemReleases-1.md:chunk-0",
      "title": "SES System Releases {#c_SES_SystemReleases .concept}",
      "content": "# SES System Releases \n\nSoftware releases of the State Examination System. The releases are labeled by state, commonwealth, and territory names.\n\n\n\nRelease Name\n\n\n\nRelease Date\n\n\n\nRelease Notes\n\n\n\nRelease Tutorials and FAQs\n\n\n\nResource Updates\n\n\n\nMichigan Release\n\n\n\n2025-09-13\n\n\n\nPDF\n\n\n\nVideo\n\n\n\nPDF\n\n\n\nTexas Release\n\n\n\n2025-06-23\n\n\n\nPDF\n\n\n\nVideo\n\n\n\nPDF\n\n\n\nCalifornia Release\n\n\n\n2025-04-06\n\n\n\nPDF\n\n\n\nVideo\n\n\n\nPDF\n\n\n\nMissouri Release\n\n\n\n2024-10-21\n\n\n\nPDF\n\n\n\nVideo\n\n\n\nPDF\n\n\n\nMaryland Release\n\n\n\n2024-08-05\n\n\n\nPDF\n\n\n\nVideo\n\n\n\nPDF\n\n\n\nHawaii Release\n\n\n\n2024-05-18\n\n\n\nPDF\n\n\n\nVideo\n\n\n\nPDF\n\n\n\nWashington Release\n\n\n\n2024-03-04\n\n\n\nPDF\n\n\n\nVideo\n\n FAQ\n\n\n\nPDF\n\n\n\nPennsylvania Release\n\n\n\n2023-09-25\n\n\n\n \n\n\n\nVideo\n\n\n\nPDF\n\n\n\nMaine Release\n\n\n\n2023-07-10\n\n\n\n \n\n\n\nVideo\n\n\n\n \n\n\n\nRhode Island Release\n\n\n\n2023-04-23\n\n\n\n \n\n\n\nVideo\n\n\n\n \n\n\n\nColorado Release\n\n\n\n2023-02-26\n\n\n\n \n\n\n\nVideo\n\n\n\n \n\n\n\nAlaska Release\n\n\n\n2022-12-05\n\n\n\n \n\n\n\nRecording Not Available\n\n\n\n \n\n\n\nSouth Carolina Release\n\n\n\n2022-09-12\n\n\n\n \n\n\n\nVideo\n\n\n\n \n\n\n\nAlabama Release\n\n\n\n2022-06-27\n\n\n\n \n\n\n\nVideo\n\n\n\n \n\n\n\nKentucky Release\n\n\n\n2022-04-10\n\n\n\n \n\n\n\nVideo\n\n\n\n \n\n\n\nTennessee Release\n\n\n\n2022-02-06\n\n\n\n \n\n\n\nCompany Release Tutorial\n\n Agency Release Tutorial\n\n\n\nN/A\n\n\n\nIdaho Release\n\n\n\n2021-11-06\n\n\n\n \n\n\n\nVideo\n\n\n\nN/A\n\n\n\nVirginia Release\n\n\n\n2021-08-21\n\n\n\n \n\n\n\nVideo\n\n\n\nN/A\n\n\n\nOhio Release\n\n\n\n2021-06-13\n\n\n\n \n\n\n\nVideo\n\n\n\nN/A\n\n\n\nNorth Carolina Release\n\n\n\n2021-03-21\n\n\n\n \n\n\n\nVideo\n\n\n\nN/A\n\n\n\nGeorgia Release\n\n\n\n2021-01-24\n\n\n\n \n\n\n\nVideo\n\n\n\nN/A\n\n\n\nLouisiana Release\n\n\n\n2020-11-15\n\n\n\n \n\n\n\nVideo\n\n\n\nN/A\n\n\n\nSES Consumer Complaints\n\n\n\n2020-09-28\n\n\n\n \n\n\n\nVideo\n\n\n\nN/A\n\n\n\nConnecticut Release\n\n\n\n2020-09-19\n\n\n\n \n\n\n\nVideo\n\n\n\nN/A\n\n\n\nNew Hampshire Release\n\n\n\n2020-08-05\n\n\n\n \n\n\n\nVideo\n\n\n\nN/A\n\n\n\nKansas Release\n\n\n\n2020-05-09\n\n\n\n \n\n\n\nVideo\n\n\n\nN/A\n\n\n\nVermont Release\n\n\n\n2020-03-16\n\n\n\n \n\n\n\nVideo\n\n\n\nN/A\n\n\n",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\sysRel\\topics\\c_SES_SystemReleases-1.md",
      "relative_path": "maps\\SES\\chapter\\sysRel\\topics\\c_SES_SystemReleases-1.md",
      "headings": [
        "SES System Releases {#c_SES_SystemReleases .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/sysRel/topics/c_SES_SystemReleases-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/sysRel/topics/c_SES_SystemReleases.md:chunk-0",
      "title": "SES System Releases {#c_SES_SystemReleases .concept}",
      "content": "# SES System Releases \n\nSoftware releases of the State Examination System. The releases are labeled by state, commonwealth, and territory names.\n\n\n\nRelease Name\n\n\n\nRelease Date\n\n\n\nRelease Notes\n\n\n\nRelease Tutorials and FAQs\n\n\n\nResource Updates\n\n\n\nMichigan Release\n\n\n\n2025-09-13\n\n\n\nPDF\n\n\n\nVideo\n\n\n\nPDF\n\n\n\nTexas Release\n\n\n\n2025-06-23\n\n\n\nPDF\n\n\n\nVideo\n\n\n\nPDF\n\n\n\nCalifornia Release\n\n\n\n2025-04-06\n\n\n\nPDF\n\n\n\nVideo\n\n\n\nPDF\n\n\n\nMissouri Release\n\n\n\n2024-10-21\n\n\n\nPDF\n\n\n\nVideo\n\n\n\nPDF\n\n\n\nMaryland Release\n\n\n\n2024-08-05\n\n\n\nPDF\n\n\n\nVideo\n\n\n\nPDF\n\n\n\nHawaii Release\n\n\n\n2024-05-18\n\n\n\nPDF\n\n\n\nVideo\n\n\n\nPDF\n\n\n\nWashington Release\n\n\n\n2024-03-04\n\n\n\nPDF\n\n\n\nVideo\n\n FAQ\n\n\n\nPDF\n\n\n\nPennsylvania Release\n\n\n\n2023-09-25\n\n\n\n \n\n\n\nVideo\n\n\n\nPDF\n\n\n\nMaine Release\n\n\n\n2023-07-10\n\n\n\n \n\n\n\nVideo\n\n\n\n \n\n\n\nRhode Island Release\n\n\n\n2023-04-23\n\n\n\n \n\n\n\nVideo\n\n\n\n \n\n\n\nColorado Release\n\n\n\n2023-02-26\n\n\n\n \n\n\n\nVideo\n\n\n\n \n\n\n\nAlaska Release\n\n\n\n2022-12-05\n\n\n\n \n\n\n\nRecording Not Available\n\n\n\n \n\n\n\nSouth Carolina Release\n\n\n\n2022-09-12\n\n\n\n \n\n\n\nVideo\n\n\n\n \n\n\n\nAlabama Release\n\n\n\n2022-06-27\n\n\n\n \n\n\n\nVideo\n\n\n\n \n\n\n\nKentucky Release\n\n\n\n2022-04-10\n\n\n\n \n\n\n\nVideo\n\n\n\n \n\n\n\nTennessee Release\n\n\n\n2022-02-06\n\n\n\n \n\n\n\nCompany Release Tutorial\n\n Agency Release Tutorial\n\n\n\nN/A\n\n\n\nIdaho Release\n\n\n\n2021-11-06\n\n\n\n \n\n\n\nVideo\n\n\n\nN/A\n\n\n\nVirginia Release\n\n\n\n2021-08-21\n\n\n\n \n\n\n\nVideo\n\n\n\nN/A\n\n\n\nOhio Release\n\n\n\n2021-06-13\n\n\n\n \n\n\n\nVideo\n\n\n\nN/A\n\n\n\nNorth Carolina Release\n\n\n\n2021-03-21\n\n\n\n \n\n\n\nVideo\n\n\n\nN/A\n\n\n\nGeorgia Release\n\n\n\n2021-01-24\n\n\n\n \n\n\n\nVideo\n\n\n\nN/A\n\n\n\nLouisiana Release\n\n\n\n2020-11-15\n\n\n\n \n\n\n\nVideo\n\n\n\nN/A\n\n\n\nSES Consumer Complaints\n\n\n\n2020-09-28\n\n\n\n \n\n\n\nVideo\n\n\n\nN/A\n\n\n\nConnecticut Release\n\n\n\n2020-09-19\n\n\n\n \n\n\n\nVideo\n\n\n\nN/A\n\n\n\nNew Hampshire Release\n\n\n\n2020-08-05\n\n\n\n \n\n\n\nVideo\n\n\n\nN/A\n\n\n\nKansas Release\n\n\n\n2020-05-09\n\n\n\n \n\n\n\nVideo\n\n\n\nN/A\n\n\n\nVermont Release\n\n\n\n2020-03-16\n\n\n\n \n\n\n\nVideo\n\n\n\nN/A\n\n\n",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\sysRel\\topics\\c_SES_SystemReleases.md",
      "relative_path": "maps\\SES\\chapter\\sysRel\\topics\\c_SES_SystemReleases.md",
      "headings": [
        "SES System Releases {#c_SES_SystemReleases .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/sysRel/topics/c_SES_SystemReleases.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/timeExpense/topics/c_agency_TimeExpenses_managing.md:chunk-0",
      "title": "Managing Time and Expenses {#c_manageTimeExpenses .concept}",
      "content": "# Managing Time and Expenses \n\nSES provides functionality that allows you to document the time and expenses your agency incurs while conducting a supervisory activity.\n\n**Note:** Only participants on a supervisory activity can enter time and expense information.\n\n-   **Adding Expenses**  \nRecord expense items incurred for the supervisory acitivty.\n-   **Adding Time**  \nRecord time spent performing the supervisory activity.\n-   **Marking Time and Expenses Complete**  \nWhen all time or expenses have been recorded for the supervisory activity, mark them as complete.\n\n**Parent topic:**Conducting a Supervisory Activity\n\n**Previous topic:**Resuming Document Retention\n\n**Next topic:**Adding Expenses",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\timeExpense\\topics\\c_agency_TimeExpenses_managing.md",
      "relative_path": "maps\\SES\\chapter\\timeExpense\\topics\\c_agency_TimeExpenses_managing.md",
      "headings": [
        "Managing Time and Expenses {#c_manageTimeExpenses .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/timeExpense/topics/c_agency_TimeExpenses_managing.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/timeExpense/topics/t_agency_Expense_adding.md:chunk-0",
      "title": "Adding Expenses {#t_agencyaddingExpenses .task}",
      "content": "# Adding Expenses \n\nRecord expense items incurred for the supervisory acitivty.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Time & Expenses** > **Add Expenses**.\n\n    \n\n3.  Enter the details of the expense and upload any supporting documents.\n\n    **Note:** The examiner in charge \\(EIC\\) for a supervisory activity can enter expense information on behalf of other participants.\n\n4.  Click **+Add Expense** to enter additional expenses.\n\n    \n\n5.  Click **Save Expenses** in the bottom right.\n\n    \n\n**Parent topic:**Managing Time and Expenses\n\n**Related information**  \n\nAdding Time\n\nMarking Time and Expenses Complete",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\timeExpense\\topics\\t_agency_Expense_adding.md",
      "relative_path": "maps\\SES\\chapter\\timeExpense\\topics\\t_agency_Expense_adding.md",
      "headings": [
        "Adding Expenses {#t_agencyaddingExpenses .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/timeExpense/topics/t_agency_Expense_adding.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/timeExpense/topics/t_agency_TimeExpense_markComplete.md:chunk-0",
      "title": "Marking Time and Expenses Complete {#t_agencymarkingTimeAndExpensesComplete .task}",
      "content": "# Marking Time and Expenses Complete \n\nWhen all time or expenses have been recorded for the supervisory activity, mark them as complete.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Time & Expenses** > **Mark as Complete**.\n\n    \n\n3.  Review the time and expense entries.\n\n    **Note:** The EIC for a supervisory activity can review and mark other participants’ time and expense entries as complete.\n\n4.  Select **Mark Time as Complete** or **Mark Expenses as Complete** as appropriate.\n\n5.  Click **Mark as Complete**.\n\n    \n\n**Parent topic:**Managing Time and Expenses\n\n**Related information**  \n\nAdding Expenses\n\nAdding Time",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\timeExpense\\topics\\t_agency_TimeExpense_markComplete.md",
      "relative_path": "maps\\SES\\chapter\\timeExpense\\topics\\t_agency_TimeExpense_markComplete.md",
      "headings": [
        "Marking Time and Expenses Complete {#t_agencymarkingTimeAndExpensesComplete .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/timeExpense/topics/t_agency_TimeExpense_markComplete.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/timeExpense/topics/t_agency_Time_adding.md:chunk-0",
      "title": "Adding Time {#t_agencyaddingTime .task}",
      "content": "# Adding Time \n\nRecord time spent performing the supervisory activity.\n\n1.  Navigate to your supervisory activity.\n\n    \n\n2.  Click **Time & Expenses** > **Add Time**.\n\n    \n\n3.  Enter the details of the time and upload any supporting documents.\n\n    **Note:** The EIC for a supervisory activity can enter time information on behalf of other participants.\n\n4.  Click **+Add Time** to enter additional time entries.\n\n    \n\n5.  Click **Save Time Entries** in the bottom right.\n\n    \n\n**Parent topic:**Managing Time and Expenses\n\n**Related information**  \n\nAdding Expenses\n\nMarking Time and Expenses Complete",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\timeExpense\\topics\\t_agency_Time_adding.md",
      "relative_path": "maps\\SES\\chapter\\timeExpense\\topics\\t_agency_Time_adding.md",
      "headings": [
        "Adding Time {#t_agencyaddingTime .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/timeExpense/topics/t_agency_Time_adding.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/userMgt/topics/c_agency_SA_staffingReport.md:chunk-0",
      "title": "The Supervisory Activity Staffing Report {#c_agency_SA_staffingReport .concept}",
      "content": "# The Supervisory Activity Staffing Report \n\nThe SA Staffing report gives you insight into your agency’s examiners’ availability and workload. This can help you to determine who should be a participant on upcoming supervisory activities \\(SAs\\) based on their availability.\n\nThe SA Staffing Report is divided into three sections:\n\n-   EIC Not Assigned\n-   Supervisory Activity Assignment Overlaps\n-   Examiners with Availability\n\n-   **Viewing SAs with No EIC Assigned**  \nThe EIC Not Assigned report displays a list of all the SAs for your agency where an EIC has not been assigned.\n-   **Viewing SA Assignment Overlap**  \nThe Supervisory Activity Assignment Overlaps report displays three-month windows where examiners are assigned as participants on multiple supervisory activities in each month.\n-   **Viewing Examiner Availability**  \nThe Examiners with Availability report shows a month-to-month breakdown of examiners that are not currently listed as a participant on any supervisory activities for the specific month selected.\n\n**Parent topic:**SES Supervisory Activity Reports",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\userMgt\\topics\\c_agency_SA_staffingReport.md",
      "relative_path": "maps\\SES\\chapter\\userMgt\\topics\\c_agency_SA_staffingReport.md",
      "headings": [
        "The Supervisory Activity Staffing Report {#c_agency_SA_staffingReport .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/userMgt/topics/c_agency_SA_staffingReport.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/userMgt/topics/c_agency_complaintsViewReports-1.md:chunk-0",
      "title": "Viewing Complaints Reports {#xd_80647b36c08634d1--224c7740-180a488b21a--7fd1 .task}",
      "content": "# Viewing Complaints Reports \n\nSES has reports available containing data about your agency’s complaints. Within the reporting tool, complaints users will find metrics and graphs around complaints with alleged violations, complaints over time, and open and closed complaints.\n\n**Note:** Canceled complaints do not show up in reports.\n\n1.  Log in to SES.\n\n2.  Click **Manage Complaints**.\n\n    \n\n3.  Select the **Agency Reports** drop-down menu from the Top Menu of the homepage.\n\n     ![Agency Reports Top Menu]()\n\n4.  Select **Complaint Reports**.\n\n5.  Choose a Complaints Report.\n\n\n\nReport Name\n\n\n\nAvailable Data Points\n\n\n\n**Alleged Violations**\n\n\n\n-   Breakdown of complaints with alleged violations\n-   Alleged Violations by type\n-   Alleged Violation count\n-   Alleged Violations on closed complaints\n\n\n\n**Complaints Over Time**\n\n\n\n-   Monthly complaints opened and closed\n-   Total complaints in SES\n\n\n\n**Open Complaints**\n\n\n\n-   Complaint status breakdown\n-   Agency POC assignments\n-   Open complaints by category\n-   Reopened Complaints\n\n\n\n**Closed Complaints**\n\n\n\n-   Complaints by closure reason\n-   Closed complaints by category\n-   Average number of days open by business type\n-   Complaints by business type\n-   Total monetary relief provided to complainant[^1]\n\n\n    There is also an IR Response Activity Report which details the progress of all the information requests on your agency’s open complaints that have been responded to by the company. See Viewing the IR Response Activity Report for more information.\n\n6.  For certain reports, you can export report data to Excel®:\n\n    1.  Click into the report charts and graphs to see a grid view of the data.\n\n    2.  Click **Export to Excel** at the bottom of the grid.\n\n        \n\n        The exported data is emailed to you as an attachment.\n\nLooking for information you need that is not available on the reports? Send an email to the SES Feedback Team at SESfeedback@csbs.org.\n\n**Parent topic:**SES Consumer Complaints Reports\n\n[^1]:",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\userMgt\\topics\\c_agency_complaintsViewReports-1.md",
      "relative_path": "maps\\SES\\chapter\\userMgt\\topics\\c_agency_complaintsViewReports-1.md",
      "headings": [
        "Viewing Complaints Reports {#xd_80647b36c08634d1--224c7740-180a488b21a--7fd1 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/userMgt/topics/c_agency_complaintsViewReports-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/userMgt/topics/c_agency_complaintsViewReports-1.md:chunk-1",
      "title": "Viewing Complaints Reports {#xd_80647b36c08634d1--224c7740-180a488b21a--7fd1 .task}",
      "content": "chment.\n\nLooking for information you need that is not available on the reports? Send an email to the SES Feedback Team at SESfeedback@csbs.org.\n\n**Parent topic:**SES Consumer Complaints Reports\n\n[^1]: You can export this report to Excel.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\userMgt\\topics\\c_agency_complaintsViewReports-1.md",
      "relative_path": "maps\\SES\\chapter\\userMgt\\topics\\c_agency_complaintsViewReports-1.md",
      "headings": [
        "Viewing Complaints Reports {#xd_80647b36c08634d1--224c7740-180a488b21a--7fd1 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/userMgt/topics/c_agency_complaintsViewReports-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/userMgt/topics/c_agency_complaintsViewReports.md:chunk-0",
      "title": "Viewing Complaints Reports {#xd_80647b36c08634d1--224c7740-180a488b21a--7fd1 .task}",
      "content": "# Viewing Complaints Reports \n\nSES has reports available containing data about your agency’s complaints. Within the reporting tool, complaints users will find metrics and graphs around complaints with alleged violations, complaints over time, and open and closed complaints.\n\n**Note:** Canceled complaints do not show up in reports.\n\n1.  Log in to SES.\n\n2.  Click **Manage Complaints**.\n\n    \n\n3.  Select the **Agency Reports** drop-down menu from the Top Menu of the homepage.\n\n     ![Agency Reports Top Menu]()\n\n4.  Select **Complaint Reports**.\n\n5.  Choose a Complaints Report.\n\n\n\nReport Name\n\n\n\nAvailable Data Points\n\n\n\n**Alleged Violations**\n\n\n\n-   Breakdown of complaints with alleged violations\n-   Alleged Violations by type\n-   Alleged Violation count\n-   Alleged Violations on closed complaints\n\n\n\n**Complaints Over Time**\n\n\n\n-   Monthly complaints opened and closed\n-   Total complaints in SES\n\n\n\n**Open Complaints**\n\n\n\n-   Complaint status breakdown\n-   Agency POC assignments\n-   Open complaints by category\n-   Reopened Complaints\n\n\n\n**Closed Complaints**\n\n\n\n-   Complaints by closure reason\n-   Closed complaints by category\n-   Average number of days open by business type\n-   Complaints by business type\n-   Total monetary relief provided to complainant[^1]\n\n\n    There is also an IR Response Activity Report which details the progress of all the information requests on your agency’s open complaints that have been responded to by the company. See Viewing the IR Response Activity Report for more information.\n\n6.  For certain reports, you can export report data to Excel®:\n\n    1.  Click into the report charts and graphs to see a grid view of the data.\n\n    2.  Click **Export to Excel** at the bottom of the grid.\n\n        \n\n        The exported data is emailed to you as an attachment.\n\nLooking for information you need that is not available on the reports? Send an email to the SES Feedback Team at SESfeedback@csbs.org.\n\n[^1]: You can export this report to Excel.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\userMgt\\topics\\c_agency_complaintsViewReports.md",
      "relative_path": "maps\\SES\\chapter\\userMgt\\topics\\c_agency_complaintsViewReports.md",
      "headings": [
        "Viewing Complaints Reports {#xd_80647b36c08634d1--224c7740-180a488b21a--7fd1 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/userMgt/topics/c_agency_complaintsViewReports.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/userMgt/topics/c_agency_creatingRemovingUserAccounts.md:chunk-0",
      "title": "Creating and Removing Agency Users {#c_agency_creatingRemovingUserAccounts .concept}",
      "content": "# Creating and Removing Agency Users \n\nIn order to access SES, users must first have an account and be assigned the appropriate roles.\n\n**Note:** Only the account administrator can create, manage, and remove user accounts for an agency.\n\n-   **Creating an Agency User**  \nYour agency's account administrator can create new users in SES.\n-   **Removing an Agency User**  \nThe SES account administrator for your agency can add or remove user accounts.\n\n**Parent topic:**Managing Agency User Accounts",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\userMgt\\topics\\c_agency_creatingRemovingUserAccounts.md",
      "relative_path": "maps\\SES\\chapter\\userMgt\\topics\\c_agency_creatingRemovingUserAccounts.md",
      "headings": [
        "Creating and Removing Agency Users {#c_agency_creatingRemovingUserAccounts .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/userMgt/topics/c_agency_creatingRemovingUserAccounts.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/userMgt/topics/c_agency_managing_user_accounts-1.md:chunk-0",
      "title": "Managing Agency User Accounts {#c_intro_managing_user_accounts .concept}",
      "content": "# Managing Agency User Accounts \n\nWhen managing user accounts in SES, you can update user profiles, update roles and groups, reset passwords, and unlock accounts.\n\nFor complete information on roles and permissions, see SES Agency System Roles & Consumer Complaints Roles.\n\n**Note:** Only the account administrator can manage user accounts.\n\n-   **Updating a User's Profile**  \nUse this procedure to change a user's name, email, or contact information.\n-   **Updating Agency User Roles**  \nUse this procedure to set or change a user's permissions within the system.\n-   **Resetting User Password**  \nUse this procedure to reset a user's password when it is expired or the user is locked of the system.\n-   **Unlocking a User Account**  \nUse this procedure to restore a user's access when the user account has been locked out.\n-   **Resetting a User’s Multi-factor Authentication \\(MFA\\)**  \nThe account administrator can reset, thereby removing a user's MFA settings. The user can then setup a new MFA method.\n\n**Parent topic:**Managing Agency User Accounts",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\userMgt\\topics\\c_agency_managing_user_accounts-1.md",
      "relative_path": "maps\\SES\\chapter\\userMgt\\topics\\c_agency_managing_user_accounts-1.md",
      "headings": [
        "Managing Agency User Accounts {#c_intro_managing_user_accounts .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/userMgt/topics/c_agency_managing_user_accounts-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/userMgt/topics/c_agency_managing_user_accounts.md:chunk-0",
      "title": "Managing Agency User Accounts {#c_intro_managing_user_accounts .concept}",
      "content": "# Managing Agency User Accounts \n\nWhen managing user accounts in SES, you can update user profiles, update roles and groups, reset passwords, and unlock accounts.\n\nFor complete information on roles and permissions, see SES Agency System Roles & Consumer Complaints Roles.\n\n**Note:** Only the account administrator can manage user accounts.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\userMgt\\topics\\c_agency_managing_user_accounts.md",
      "relative_path": "maps\\SES\\chapter\\userMgt\\topics\\c_agency_managing_user_accounts.md",
      "headings": [
        "Managing Agency User Accounts {#c_intro_managing_user_accounts .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/userMgt/topics/c_agency_managing_user_accounts.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/userMgt/topics/c_agency_nationwideReports.md:chunk-0",
      "title": "Nationwide Reports {#xd_6598e38c1b0f3b54--390a811c-18de0a9e0a8--7ff5 .concept}",
      "content": "# Nationwide Reports \n\nThe nationwide reports in SES contain nationwide supervisory activity information about all agencies except the user's own agency.\n\nThere are two nationwide reports available in SES:\n\n-   Nationwide SA Acceptance Report\n-   Nationwide SA Leverage Report\n\n-   **Viewing the Nationwide Acceptance Report**  \nView information about supervisory activitues that have been accepted in SES by other agencies.\n-   **Viewing the Nationwide Leverage Report**  \nView information about supervisory activitues that have been accepted in SES by other agencies.\n\n**Parent topic:**SES Supervisory Activity Reports",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\userMgt\\topics\\c_agency_nationwideReports.md",
      "relative_path": "maps\\SES\\chapter\\userMgt\\topics\\c_agency_nationwideReports.md",
      "headings": [
        "Nationwide Reports {#xd_6598e38c1b0f3b54--390a811c-18de0a9e0a8--7ff5 .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/userMgt/topics/c_agency_nationwideReports.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/userMgt/topics/c_agency_profileManaging.md:chunk-0",
      "title": "Managing the Agency Profile {#c_agency_profileManaging .concept}",
      "content": "# Managing the Agency Profile \n\nWhen managing the Agency Profile in SES, you can update the business types and business activities supervised, as well as manage email domains.\n\n**Note:** The Agency Profile information is pulled from the Profile System of State Regulatory Agencies. If the profile information needs to be updated, please contact the Profile POC. Only a user assigned the account administrator role can access the actions within the agency profile.\n\n-   **Updating Business Types and Business Activities Supervised**  \nThe Agency Profile includes information about the types of businesses and activities over which the ageny has supervision. The account administrator for the agency can update this information, to help other agencies using SES for similar purposes to locate appropriate contacts.\n-   **Managing Agency Email Domains**  \nYou can manage the email domains associated with your agency in SES. The system verifies your agency’s users’ information against the email domain entered in this section.\n\n**Parent topic:**Managing Agency User Accounts",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\userMgt\\topics\\c_agency_profileManaging.md",
      "relative_path": "maps\\SES\\chapter\\userMgt\\topics\\c_agency_profileManaging.md",
      "headings": [
        "Managing the Agency Profile {#c_agency_profileManaging .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/userMgt/topics/c_agency_profileManaging.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/userMgt/topics/c_agency_userAccounts_chapter.md:chunk-0",
      "title": "Managing Agency User Accounts {#c_agency_userAccounts_chapter .concept}",
      "content": "# Managing Agency User Accounts \n\nCreating and managing user accounts, tracking user activity and workload, and managing the agency profile.\n\n-   **Creating and Removing Agency Users**  \nIn order to access SES, users must first have an account and be assigned the appropriate roles.\n-   **Managing Agency User Accounts**  \nWhen managing user accounts in SES, you can update user profiles, update roles and groups, reset passwords, and unlock accounts.\n-   **Agency User Work Information**  \nSES Provides you with access to information about agency user skillset, workload, and history.\n-   **Managing the Agency Profile**  \nWhen managing the Agency Profile in SES, you can update the business types and business activities supervised, as well as manage email domains.\n-   **Verifying Agency Users**  \nEvery month, the account administrators at each agency must verify its users in SES. Account administrators are expect to review their agency’s existing users and remove access for anyone that no longer needs it.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\userMgt\\topics\\c_agency_userAccounts_chapter.md",
      "relative_path": "maps\\SES\\chapter\\userMgt\\topics\\c_agency_userAccounts_chapter.md",
      "headings": [
        "Managing Agency User Accounts {#c_agency_userAccounts_chapter .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/userMgt/topics/c_agency_userAccounts_chapter.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/userMgt/topics/c_agency_workInfo.md:chunk-0",
      "title": "Agency User Work Information {#c_agency_workInfo .concept}",
      "content": "# Agency User Work Information \n\nSES Provides you with access to information about agency user skillset, workload, and history.\n\n**Note:** This article focuses on viewing agency user work information via the User Profile section of SES. For more information on viewing examiner workload within a supervisory activity, see Managing Agency Supervisory Activity Participants. There is also agency user work information available via the The Supervisory Activity Staffing Report.\n\n-   **Managing User Skillset**  \nThe Skillset tab displays a user’s specializations. This information is visible to all agency users on SES. The selected skillset does not affect the user’s privileges in the system.\n-   **Viewing Current Workload**  \nThe Current Workload tab displays key information about supervisory activities on which the user is an active participant. This information is visible to all agency users at the selected user’s agency.\n-   **Viewing Examiner History**  \nThe Examiner History tab displays key information about supervisory activities on which the user participated, including SA Role Breakdown, AFR Frequency Breakdown, and SA Business Type Breakdown. This information is visible to all agency users at the selected user’s agency.\n\n**Parent topic:**Managing Agency User Accounts",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\userMgt\\topics\\c_agency_workInfo.md",
      "relative_path": "maps\\SES\\chapter\\userMgt\\topics\\c_agency_workInfo.md",
      "headings": [
        "Agency User Work Information {#c_agency_workInfo .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/userMgt/topics/c_agency_workInfo.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/userMgt/topics/c_companyManageUsers.md:chunk-0",
      "title": "Managing Company Users {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7ff6 .concept}",
      "content": "# Managing Company Users \n\nCreate, remove, and administer users for your company, including third-party uers.\n\n-   **Creating and Removing Company Users**  \nThe SES account administrator for your company is responsible for creating and removing users from your company's SES account. After creating a new account for a user, that user will need to complete Okta® activation for SSO.\n-   **Creating and Removing Third-Party Users**  \nThe third-party user role can be assigned to a user that the company enlists for assistance with the SA \\(e.g., outside counsel, contractors, or consultants\\).\n-   **Managing Company User Accounts**  \nThe Manage Users page includes the following actions: updating the user profile, updating roles and groups, resetting user passwords and unlocking user accounts.\n-   **Managing Company Email Domains**  \nYou can manage the email domains associated with your company in SES. The system verifies your agency’s users’ information against the email domain entered in this section.\n-   **Assigning Company Contacts**  \nAn SES Supervisory Activities \\(SA\\) contact and Complaints contact must be assigned.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\userMgt\\topics\\c_companyManageUsers.md",
      "relative_path": "maps\\SES\\chapter\\userMgt\\topics\\c_companyManageUsers.md",
      "headings": [
        "Managing Company Users {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7ff6 .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/userMgt/topics/c_companyManageUsers.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/userMgt/topics/c_companyUsersThirdParty_createRemove-1.md:chunk-0",
      "title": "Creating and Removing Third-Party Users {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7ff2 .concept}",
      "content": "# Creating and Removing Third-Party Users \n\nThe third-party user role can be assigned to a user that the company enlists for assistance with the SA \\(e.g., outside counsel, contractors, or consultants\\).\n\nSES allows certain company users to add trusted Third Party User to the company account for the purposes of participating on certain supervisory activities.\n\nThe third-party user can hold the company lead or contributor role on a Supervisory Activity. This user is granted detail-level-access to only those SAs on which he or she is a participant.\n\nA Third-Party User does not have access to any other SAs from the company.\n\nOnce the SA is closed and there are no outstanding Matters Requiring Attention or when the last MRA is closed, the system automatically removes the third-party user as a participant from that SA. However, a company can remove the Third-Party user from the SA at their discretion at any time prior to the SA being closed.\n\n-   **Creating Third-Party Users**  \nThe third-party user can hold the company lead or contributor role on a Supervisory Activity. This user is granted detail-level-access to only those SAs on which he or she is a participant.\n-   **Removing Third-Party Users**  \nA Third Party User is automatically removed from the Supervisory Activity when it is closed or when the last of the Matters Requiring Attention is closed. However, you can remove a third-party user at any time, unless the third-party user is the company lead on a Supervisory Activity\n-   **Converting a Company User to a Third Party User**  \nHow to remove an existing company user from your company’s record and reactivate them as a third party user type.\n\n**Parent topic:**Managing Company Users\n\n**Related information**  \n\nCreating and Removing Company Users\n\nManaging Company User Accounts\n\nManaging Company Email Domains\n\nAssigning Company Contacts",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\userMgt\\topics\\c_companyUsersThirdParty_createRemove-1.md",
      "relative_path": "maps\\SES\\chapter\\userMgt\\topics\\c_companyUsersThirdParty_createRemove-1.md",
      "headings": [
        "Creating and Removing Third-Party Users {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7ff2 .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/userMgt/topics/c_companyUsersThirdParty_createRemove-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/userMgt/topics/c_companyUsersThirdParty_createRemove.md:chunk-0",
      "title": "Creating and Removing Third-Party Users {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7ff2 .concept}",
      "content": "# Creating and Removing Third-Party Users \n\nThe third-party user role can be assigned to a user that the company enlists for assistance with the SA \\(e.g., outside counsel, contractors, or consultants\\).\n\nSES allows certain company users to add trusted Third Party User to the company account for the purposes of participating on certain supervisory activities.\n\nThe third-party user can hold the company lead or contributor role on a Supervisory Activity. This user is granted detail-level-access to only those SAs on which he or she is a participant.\n\nA Third-Party User does not have access to any other SAs from the company.\n\nOnce the SA is closed and there are no outstanding Matters Requiring Attention or when the last MRA is closed, the system automatically removes the third-party user as a participant from that SA. However, a company can remove the Third-Party user from the SA at their discretion at any time prior to the SA being closed.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\userMgt\\topics\\c_companyUsersThirdParty_createRemove.md",
      "relative_path": "maps\\SES\\chapter\\userMgt\\topics\\c_companyUsersThirdParty_createRemove.md",
      "headings": [
        "Creating and Removing Third-Party Users {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7ff2 .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/userMgt/topics/c_companyUsersThirdParty_createRemove.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/userMgt/topics/c_companyUsers_createRemove-1.md:chunk-0",
      "title": "Creating and Removing Company Users {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7ff5 .concept}",
      "content": "# Creating and Removing Company Users \n\nThe SES account administrator for your company is responsible for creating and removing users from your company's SES account. After creating a new account for a user, that user will need to complete Okta® activation for SSO.\n\nUpon creating a new user role, be sure to share the Activating Your Okta Account for SES article with the user.\n\n**Note:** Only the account administrator can create and remove user accounts for a company.\n\n-   **Creating a Company User**  \nThe account administrator can create new users in SES for your company. Users can be employees of your company or third-party users, such as external consultants.\n-   **Removing a Company User**  \nThe account administrator for your company can add or remove users for your company.\n\n**Parent topic:**Managing Company Users\n\n**Related information**  \n\nCreating and Removing Third-Party Users\n\nManaging Company User Accounts\n\nManaging Company Email Domains\n\nAssigning Company Contacts",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\userMgt\\topics\\c_companyUsers_createRemove-1.md",
      "relative_path": "maps\\SES\\chapter\\userMgt\\topics\\c_companyUsers_createRemove-1.md",
      "headings": [
        "Creating and Removing Company Users {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7ff5 .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/userMgt/topics/c_companyUsers_createRemove-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/userMgt/topics/c_companyUsers_createRemove.md:chunk-0",
      "title": "Creating and Removing Company Users {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7ff5 .concept}",
      "content": "# Creating and Removing Company Users \n\nThe SES account administrator for your company is responsible for creating and removing users from your company's SES account. After creating a new account for a user, that user will need to complete Okta® activation for SSO.\n\nUpon creating a new user role, be sure to share the Activating Your Okta Account for SES article with the user.\n\n**Note:** Only the account administrator can create and remove user accounts for a company.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\userMgt\\topics\\c_companyUsers_createRemove.md",
      "relative_path": "maps\\SES\\chapter\\userMgt\\topics\\c_companyUsers_createRemove.md",
      "headings": [
        "Creating and Removing Company Users {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7ff5 .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/userMgt/topics/c_companyUsers_createRemove.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/userMgt/topics/c_company_ManageUserAccounts-1.md:chunk-0",
      "title": "Managing Company User Accounts {#c_company_ManageUserAccounts .concept}",
      "content": "# Managing Company User Accounts \n\nThe Manage Users page includes the following actions: updating the user profile, updating roles and groups, resetting user passwords and unlocking user accounts.\n\nFor full details on roles and permissions, see the SES Company User Roles Matrix.\n\n-   **Updating a User's Profile**  \nA user's profile includes the user's name and contact information.\n-   **Updating Company User Roles**  \nThe roles assigned to each user determine the user's access to the SES system and what tasks the user can perform. The User Roles page also allows you to grant access to Consumer Complaints for the user.\n-   **Resetting a User's Password**  \nReset the password for a user who has lost or forgotten his or her SES account password.\n-   **Unlocking a User's Account**  \nIf a user's SES account is locked, preventing the user from accessing SES, you can unlock the user's account if appropriate.\n-   **Resetting a User’s Multi-factor Authentication \\(MFA\\)**  \nMulti-factor authentication is required for access to SES. Use this procedure to reset a user's MFA if required.\n\n**Parent topic:**Managing Company Users\n\n**Related information**  \n\nCreating and Removing Company Users\n\nCreating and Removing Third-Party Users\n\nManaging Company Email Domains\n\nAssigning Company Contacts",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\userMgt\\topics\\c_company_ManageUserAccounts-1.md",
      "relative_path": "maps\\SES\\chapter\\userMgt\\topics\\c_company_ManageUserAccounts-1.md",
      "headings": [
        "Managing Company User Accounts {#c_company_ManageUserAccounts .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/userMgt/topics/c_company_ManageUserAccounts-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/userMgt/topics/c_company_ManageUserAccounts.md:chunk-0",
      "title": "Managing Company User Accounts {#c_company_ManageUserAccounts .concept}",
      "content": "# Managing Company User Accounts \n\nThe Manage Users page includes the following actions: updating the user profile, updating roles and groups, resetting user passwords and unlocking user accounts.\n\nFor full details on roles and permissions, see the SES Company User Roles Matrix.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\userMgt\\topics\\c_company_ManageUserAccounts.md",
      "relative_path": "maps\\SES\\chapter\\userMgt\\topics\\c_company_ManageUserAccounts.md",
      "headings": [
        "Managing Company User Accounts {#c_company_ManageUserAccounts .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/userMgt/topics/c_company_ManageUserAccounts.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/userMgt/topics/c_part_SES_complaintsReports.md:chunk-0",
      "title": "SES Consumer Complaints Reports {#xd_3747411dd0694a4c--1b4b9ae1-1820c231ced--7ff5 .concept}",
      "content": "# SES Consumer Complaints Reports \n\nSES has several reports that allow you to view the status and work activity for consumer complaints.\n\n-   **Viewing the New Complaint Progress Report**  \nAfter your agency has initiated a complaint, you can access the New Complaint Progress Report to view the progress of all your initiated complaints and what actions need to be taken to move the complaint forward.\n-   **Accepting or Rejecting Access to a Complaint Using the Access Request Report**  \nOther agencies can request to view the full details of a complaint owned by your agency. When your agency receives a request to view a complaint, all complaint supervisors at your agency will be notified via email.\n-   **Removing Agency Access from the Access Request Report Page**  \nAfter granting another agency access to view the details of a complaint, users assigned the Complaints Supervisor role can remove the access, at any time.\n-   **SES Complaints Agency Referral Report**  \nThe referral report contains information about all incoming and outgoing referrals for your agency.\n-   **Viewing the Complaint IR Response Activity Report**  \nYou can access the Complaint IR Response Activity Report to view the progress of all the information requests on your agency’s open complaints that have been responded to by the company.\n-   **Viewing Complaints Reports**  \nSES has reports available containing data about your agency’s complaints. Within the reporting tool, complaints users will find metrics and graphs around complaints with alleged violations, complaints over time, and open and closed complaints.\n\n**Parent topic:**Consumer Complaints",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\userMgt\\topics\\c_part_SES_complaintsReports.md",
      "relative_path": "maps\\SES\\chapter\\userMgt\\topics\\c_part_SES_complaintsReports.md",
      "headings": [
        "SES Consumer Complaints Reports {#xd_3747411dd0694a4c--1b4b9ae1-1820c231ced--7ff5 .concept}"
      ],
      "html_link": "/docs/maps/SES/chapter/userMgt/topics/c_part_SES_complaintsReports.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/userMgt/topics/t_SES_reportsComplaintsAgencyReferral-1.md:chunk-0",
      "title": "t_SES_reportsComplaintsAgencyReferral-1",
      "content": "",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\userMgt\\topics\\t_SES_reportsComplaintsAgencyReferral-1.md",
      "relative_path": "maps\\SES\\chapter\\userMgt\\topics\\t_SES_reportsComplaintsAgencyReferral-1.md",
      "headings": [],
      "html_link": "/docs/maps/SES/chapter/userMgt/topics/t_SES_reportsComplaintsAgencyReferral-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/userMgt/topics/t_SES_reportsComplaintsAgencyReferral.md:chunk-0",
      "title": "t_SES_reportsComplaintsAgencyReferral",
      "content": "",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\userMgt\\topics\\t_SES_reportsComplaintsAgencyReferral.md",
      "relative_path": "maps\\SES\\chapter\\userMgt\\topics\\t_SES_reportsComplaintsAgencyReferral.md",
      "headings": [],
      "html_link": "/docs/maps/SES/chapter/userMgt/topics/t_SES_reportsComplaintsAgencyReferral.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/userMgt/topics/t_agency_Complaints_Reports_IRrespsonseAct-1.md:chunk-0",
      "title": "Viewing the Complaint IR Response Activity Report {#xd_80647b36c08634d1--224c7740-180a488b21a--7fcd .task}",
      "content": "# Viewing the Complaint IR Response Activity Report \n\nYou can access the Complaint IR Response Activity Report to view the progress of all the information requests on your agency’s open complaints that have been responded to by the company.\n\nThe IR Response Activity Report features many key data points of your information requests from your agency’s open complaints, such as:\n\n-   IR and Complaint ID\n-   Count of attempts representing the number of times an information request was sent back and forth between your agency and the company associated with the Information Request\n-   IR due date\n-   IR status including amount of days complaint has been open\n-   The date and time the IR was first sent to the company\n-   The date and time of the company’s most recent response\n\n1.  Log in to SES.\n\n2.  Click **Manage Complaints**.\n\n    \n\n3.  Select the **Agency Reports** drop-down menu from the Top Menu of the homepage.\n\n     ![Agency Reports Top Menu]()\n\n4.  Select **IR Response Activity**.\n\nLooking for information you need that is not available on the reports? Send an email to the SES Feedback Team at SESfeedback@csbs.org.\n\n**Parent topic:**SES Consumer Complaints Reports",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\userMgt\\topics\\t_agency_Complaints_Reports_IRrespsonseAct-1.md",
      "relative_path": "maps\\SES\\chapter\\userMgt\\topics\\t_agency_Complaints_Reports_IRrespsonseAct-1.md",
      "headings": [
        "Viewing the Complaint IR Response Activity Report {#xd_80647b36c08634d1--224c7740-180a488b21a--7fcd .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/userMgt/topics/t_agency_Complaints_Reports_IRrespsonseAct-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/userMgt/topics/t_agency_Complaints_Reports_IRrespsonseAct.md:chunk-0",
      "title": "Viewing the Complaint IR Response Activity Report {#xd_80647b36c08634d1--224c7740-180a488b21a--7fcd .task}",
      "content": "# Viewing the Complaint IR Response Activity Report \n\nYou can access the Complaint IR Response Activity Report to view the progress of all the information requests on your agency’s open complaints that have been responded to by the company.\n\nThe IR Response Activity Report features many key data points of your information requests from your agency’s open complaints, such as:\n\n-   IR and Complaint ID\n-   Count of attempts representing the number of times an information request was sent back and forth between your agency and the company associated with the Information Request\n-   IR due date\n-   IR status including amount of days complaint has been open\n-   The date and time the IR was first sent to the company\n-   The date and time of the company’s most recent response\n\n1.  Log in to SES.\n\n2.  Click **Manage Complaints**.\n\n    \n\n3.  Select the **Agency Reports** drop-down menu from the Top Menu of the homepage.\n\n     ![Agency Reports Top Menu]()\n\n4.  Select **IR Response Activity**.\n\nLooking for information you need that is not available on the reports? Send an email to the SES Feedback Team at SESfeedback@csbs.org.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\userMgt\\topics\\t_agency_Complaints_Reports_IRrespsonseAct.md",
      "relative_path": "maps\\SES\\chapter\\userMgt\\topics\\t_agency_Complaints_Reports_IRrespsonseAct.md",
      "headings": [
        "Viewing the Complaint IR Response Activity Report {#xd_80647b36c08634d1--224c7740-180a488b21a--7fcd .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/userMgt/topics/t_agency_Complaints_Reports_IRrespsonseAct.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/userMgt/topics/t_agency_Complaints_newProgressReport-1.md:chunk-0",
      "title": "Viewing the New Complaint Progress Report {#xd_80647b36c08634d1--224c7740-180a488b21a--7fce .task}",
      "content": "# Viewing the New Complaint Progress Report \n\nAfter your agency has initiated a complaint, you can access the New Complaint Progress Report to view the progress of all your initiated complaints and what actions need to be taken to move the complaint forward.\n\n1.  Log in to SES.\n\n2.  Click **Manage Complaints**.\n\n    \n\n3.  Select the **Agency Reports** drop-down menu from the Top Menu of the homepage.\n\n     ![Agency Reports Top Menu]()\n\n4.  Select **New Complaint Progress**.\n\n5.  Choose a report:\n\n    |Report|Why Complaint is included in report|\n    |------|-----------------------------------|\n    |**Company User Not Enrolled**|Company user is not enrolled in SES by your agency.|\n    |**Complaints Contact Not Assigned**|The Company has not completed the enrollment process, including the assignment of the Complaints Contact.|\n    |**IRs Not Sent to Company**|Information requests have not been sent to the company by your agency.|\n    |**Company POC Not Assigned**|The point of contact \\(POC\\) for the complaint is not assigned by the company.|\n\n6.  If a user is not enrolled, click the  icon to add a user to SES for the company.\n\n7.  If the company has not completed the enrollment process:\n\n    1.  Click the  icon to remind the company via email to complete enrollment and assign its Complaints Contact.\n\n    2.  Click the  icon to view an audit of sent reminders.\n\n8.  If the Information Requests have not been sent, click the  icon to go to the Information Requests page to send information requests to the company.\n\n9.  If the company POC is not assigned:\n\n    1.  Click the  icon to remind the company via email to assign a Company POC.\n\n        **Important:** When a Company POC is assigned, the company can respond to information requests for the complaint.\n\n    2.  Click the  icon to view an audit of sent reminders.\n\nLooking for information you need that is not available on the reports? Send an email to the SES Feedback Team at SESfeedback@csbs.org.\n\n**Parent topic:**SES Con",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\userMgt\\topics\\t_agency_Complaints_newProgressReport-1.md",
      "relative_path": "maps\\SES\\chapter\\userMgt\\topics\\t_agency_Complaints_newProgressReport-1.md",
      "headings": [
        "Viewing the New Complaint Progress Report {#xd_80647b36c08634d1--224c7740-180a488b21a--7fce .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/userMgt/topics/t_agency_Complaints_newProgressReport-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/userMgt/topics/t_agency_Complaints_newProgressReport-1.md:chunk-1",
      "title": "Viewing the New Complaint Progress Report {#xd_80647b36c08634d1--224c7740-180a488b21a--7fce .task}",
      "content": "on to view an audit of sent reminders.\n\nLooking for information you need that is not available on the reports? Send an email to the SES Feedback Team at SESfeedback@csbs.org.\n\n**Parent topic:**SES Consumer Complaints Reports",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\userMgt\\topics\\t_agency_Complaints_newProgressReport-1.md",
      "relative_path": "maps\\SES\\chapter\\userMgt\\topics\\t_agency_Complaints_newProgressReport-1.md",
      "headings": [
        "Viewing the New Complaint Progress Report {#xd_80647b36c08634d1--224c7740-180a488b21a--7fce .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/userMgt/topics/t_agency_Complaints_newProgressReport-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/userMgt/topics/t_agency_Complaints_newProgressReport.md:chunk-0",
      "title": "Viewing the New Complaint Progress Report {#xd_80647b36c08634d1--224c7740-180a488b21a--7fce .task}",
      "content": "# Viewing the New Complaint Progress Report \n\nAfter your agency has initiated a complaint, you can access the New Complaint Progress Report to view the progress of all your initiated complaints and what actions need to be taken to move the complaint forward.\n\n1.  Log in to SES.\n\n2.  Click **Manage Complaints**.\n\n    \n\n3.  Select the **Agency Reports** drop-down menu from the Top Menu of the homepage.\n\n     ![Agency Reports Top Menu]()\n\n4.  Select **New Complaint Progress**.\n\n5.  Choose a report:\n\n    |Report|Why Complaint is included in report|\n    |------|-----------------------------------|\n    |**Company User Not Enrolled**|Company user is not enrolled in SES by your agency.|\n    |**Complaints Contact Not Assigned**|The Company has not completed the enrollment process, including the assignment of the Complaints Contact.|\n    |**IRs Not Sent to Company**|Information requests have not been sent to the company by your agency.|\n    |**Company POC Not Assigned**|The point of contact \\(POC\\) for the complaint is not assigned by the company.|\n\n6.  If a user is not enrolled, click the  icon to add a user to SES for the company.\n\n7.  If the company has not completed the enrollment process:\n\n    1.  Click the  icon to remind the company via email to complete enrollment and assign its Complaints Contact.\n\n    2.  Click the  icon to view an audit of sent reminders.\n\n8.  If the Information Requests have not been sent, click the  icon to go to the Information Requests page to send information requests to the company.\n\n9.  If the company POC is not assigned:\n\n    1.  Click the  icon to remind the company via email to assign a Company POC.\n\n        **Important:** When a Company POC is assigned, the company can respond to information requests for the complaint.\n\n    2.  Click the  icon to view an audit of sent reminders.\n\nLooking for information you need that is not available on the reports? Send an email to the SES Feedback Team at SESfeedback@csbs.org.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\userMgt\\topics\\t_agency_Complaints_newProgressReport.md",
      "relative_path": "maps\\SES\\chapter\\userMgt\\topics\\t_agency_Complaints_newProgressReport.md",
      "headings": [
        "Viewing the New Complaint Progress Report {#xd_80647b36c08634d1--224c7740-180a488b21a--7fce .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/userMgt/topics/t_agency_Complaints_newProgressReport.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/userMgt/topics/t_agency_Rpts_SA_acceptedLeveraged-1.md:chunk-0",
      "title": "Viewing the SA Acceptance and Leverage Report {#xd_c520caad31a51e66-6b082bb3-18157be273e--7ff5 .task}",
      "content": "# Viewing the SA Acceptance and Leverage Report \n\nThe SA Acceptance and Leverage Report displays the following: SAs that are in any status in the acceptance process, and SAs that are being leveraged from other agencies.\n\nSee Requesting Access to a Supervisory Activity, Accepting a Supervisory Activity, and Leveraging Another Agency's Supervisory Activity for more information.\n\n\n\nReport Name\n\n\n\nWhy SA is in Report\n\n\n\nAcceptance\n\n\n\nSAs in the following statuses of the acceptance process appear in the report:\n\n-   **In Progress**: An EIC has been assigned to the SA to begin acceptance.\n-   **In Review**: The EIC tasked with beginning acceptance has shared the SA for review with a staff director or staff user.\n-   **Accepted**: The SA was accepted by your agency.\n-   **Rejected**: The EIC or reviewers rejected the SA for acceptance.\n\n\n\nLeveraged\n\n\n\nSAs that have a scope type of “Leveraged” appear in the report.\n\n\n1.  Select the **Agency Reports** drop-down menu from the Top Menu of the homepage.\n\n    \n\n2.  Select **SA Acceptance and Leverage**.\n\n3.  Staff directors or EICs that have been assigned to an SA to begin acceptance can do so from the report:\n\n    1.  Click the **View Details**  icon for an SA that is “In Progress.”\n\n    2.  Click **Begin Acceptance**.\n\n        \n\n    3.  Follow the steps in Reviewing the SA Acceptance as the EIC.\n\nLooking for information you need that is not available on the progress reports? Send an email to the SES Feedback Team at sesfeedback@csbs.org.\n\n**Parent topic:**SES Supervisory Activity Reports",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\userMgt\\topics\\t_agency_Rpts_SA_acceptedLeveraged-1.md",
      "relative_path": "maps\\SES\\chapter\\userMgt\\topics\\t_agency_Rpts_SA_acceptedLeveraged-1.md",
      "headings": [
        "Viewing the SA Acceptance and Leverage Report {#xd_c520caad31a51e66-6b082bb3-18157be273e--7ff5 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/userMgt/topics/t_agency_Rpts_SA_acceptedLeveraged-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/userMgt/topics/t_agency_Rpts_SA_acceptedLeveraged.md:chunk-0",
      "title": "Viewing the SA Acceptance and Leverage Report {#xd_c520caad31a51e66-6b082bb3-18157be273e--7ff5 .task}",
      "content": "# Viewing the SA Acceptance and Leverage Report \n\nThe SA Acceptance and Leverage Report displays the following: SAs that are in any status in the acceptance process, and SAs that are being leveraged from other agencies.\n\nSee Requesting Access to a Supervisory Activity, Accepting a Supervisory Activity, and Leveraging Another Agency's Supervisory Activity for more information.\n\n\n\nReport Name\n\n\n\nWhy SA is in Report\n\n\n\nAcceptance\n\n\n\nSAs in the following statuses of the acceptance process appear in the report:\n\n-   **In Progress**: An EIC has been assigned to the SA to begin acceptance.\n-   **In Review**: The EIC tasked with beginning acceptance has shared the SA for review with a staff director or staff user.\n-   **Accepted**: The SA was accepted by your agency.\n-   **Rejected**: The EIC or reviewers rejected the SA for acceptance.\n\n\n\nLeveraged\n\n\n\nSAs that have a scope type of “Leveraged” appear in the report.\n\n\n1.  Select the **Agency Reports** drop-down menu from the Top Menu of the homepage.\n\n    \n\n2.  Select **SA Acceptance and Leverage**.\n\n3.  Staff directors or EICs that have been assigned to an SA to begin acceptance can do so from the report:\n\n    1.  Click the **View Details**  icon for an SA that is “In Progress.”\n\n    2.  Click **Begin Acceptance**.\n\n        \n\n    3.  Follow the steps in Reviewing the SA Acceptance as the EIC.\n\nLooking for information you need that is not available on the progress reports? Send an email to the SES Feedback Team at sesfeedback@csbs.org.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\userMgt\\topics\\t_agency_Rpts_SA_acceptedLeveraged.md",
      "relative_path": "maps\\SES\\chapter\\userMgt\\topics\\t_agency_Rpts_SA_acceptedLeveraged.md",
      "headings": [
        "Viewing the SA Acceptance and Leverage Report {#xd_c520caad31a51e66-6b082bb3-18157be273e--7ff5 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/userMgt/topics/t_agency_Rpts_SA_acceptedLeveraged.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/userMgt/topics/t_agency_SA_ProgressReport_New-1.md:chunk-0",
      "title": "Viewing the New Supervisory Activity Progress Report {#t_agency_SA_ProgressReport_New .task}",
      "content": "# Viewing the New Supervisory Activity Progress Report \n\nAfter your agency has initiated a Supervisory Activity, you can access the New Supervisory Activity Progress Report to view the progress of all your initiated supervisory activities and what actions need to be taken to move the exam or investigation forward.\n\n1.  Select the **Agency Reports** drop-down menu from the Top Menu of the homepage.\n\n    \n\n2.  Select **New SA Progress**.\n\n3.  Choose a report:\n\n    |Report|Why SA is included in report|\n    |------|----------------------------|\n    |**Company User Not Enrolled**|Company user is not enrolled in SES by your agency.|\n    |**SA Contact Not Assigned**|The Company has not completed the enrollment process, including the assignment of the SA Contact.|\n    |**IRs Not Sent to Company**|Information requests have not been sent to the company by your agency.|\n    |**Company Lead Not Assigned**|The Company Lead for the SA is not assigned by the company.|\n\n4.  If a user is not enrolled, click the  icon to add a user to SES for the company.\n\n5.  If the company has not completed the enrollment process:\n\n    1.  Click the  icon to remind the company via email to complete enrollment and assign its SA Contact.\n\n        **Important:** Without an SA contact assigned, you cannot send information requests to the company.\n\n    2.  Click the  icon to view an audit of sent reminders.\n\n6.  If the Information Requests have not been sent, click the  icon to go to the Information Requests page to send information requests to the company.\n\n7.  If the company lead is not assigned:\n\n    1.  Click the  icon to remind the company via email to assign a Company Lead.\n\n        **Important:** When a Company Lead is assigned, the company can respond to information requests for the SA.\n\n    2.  Click the  icon to view an audit of sent reminders.\n\nLooking for information you need that is not available on the reports? Send an email to the SES Feedback Team at SESfeedback@csbs.org.\n\n**Parent topic",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\userMgt\\topics\\t_agency_SA_ProgressReport_New-1.md",
      "relative_path": "maps\\SES\\chapter\\userMgt\\topics\\t_agency_SA_ProgressReport_New-1.md",
      "headings": [
        "Viewing the New Supervisory Activity Progress Report {#t_agency_SA_ProgressReport_New .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/userMgt/topics/t_agency_SA_ProgressReport_New-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/userMgt/topics/t_agency_SA_ProgressReport_New-1.md:chunk-1",
      "title": "Viewing the New Supervisory Activity Progress Report {#t_agency_SA_ProgressReport_New .task}",
      "content": "ck the  icon to view an audit of sent reminders.\n\nLooking for information you need that is not available on the reports? Send an email to the SES Feedback Team at SESfeedback@csbs.org.\n\n**Parent topic:**SES Supervisory Activity Reports",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\userMgt\\topics\\t_agency_SA_ProgressReport_New-1.md",
      "relative_path": "maps\\SES\\chapter\\userMgt\\topics\\t_agency_SA_ProgressReport_New-1.md",
      "headings": [
        "Viewing the New Supervisory Activity Progress Report {#t_agency_SA_ProgressReport_New .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/userMgt/topics/t_agency_SA_ProgressReport_New-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/userMgt/topics/t_agency_SA_ProgressReport_New.md:chunk-0",
      "title": "Viewing the New Supervisory Activity Progress Report {#t_agency_SA_ProgressReport_New .task}",
      "content": "# Viewing the New Supervisory Activity Progress Report \n\nAfter your agency has initiated a Supervisory Activity, you can access the New Supervisory Activity Progress Report to view the progress of all your initiated supervisory activities and what actions need to be taken to move the exam or investigation forward.\n\n1.  Select the **Agency Reports** drop-down menu from the Top Menu of the homepage.\n\n    \n\n2.  Select **New SA Progress**.\n\n3.  Choose a report:\n\n    |Report|Why SA is included in report|\n    |------|----------------------------|\n    |**Company User Not Enrolled**|Company user is not enrolled in SES by your agency.|\n    |**SA Contact Not Assigned**|The Company has not completed the enrollment process, including the assignment of the SA Contact.|\n    |**IRs Not Sent to Company**|Information requests have not been sent to the company by your agency.|\n    |**Company Lead Not Assigned**|The Company Lead for the SA is not assigned by the company.|\n\n4.  If a user is not enrolled, click the  icon to add a user to SES for the company.\n\n5.  If the company has not completed the enrollment process:\n\n    1.  Click the  icon to remind the company via email to complete enrollment and assign its SA Contact.\n\n        **Important:** Without an SA contact assigned, you cannot send information requests to the company.\n\n    2.  Click the  icon to view an audit of sent reminders.\n\n6.  If the Information Requests have not been sent, click the  icon to go to the Information Requests page to send information requests to the company.\n\n7.  If the company lead is not assigned:\n\n    1.  Click the  icon to remind the company via email to assign a Company Lead.\n\n        **Important:** When a Company Lead is assigned, the company can respond to information requests for the SA.\n\n    2.  Click the  icon to view an audit of sent reminders.\n\nLooking for information you need that is not available on the reports? Send an email to the SES Feedback Team at SESfeedback@csbs.org.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\userMgt\\topics\\t_agency_SA_ProgressReport_New.md",
      "relative_path": "maps\\SES\\chapter\\userMgt\\topics\\t_agency_SA_ProgressReport_New.md",
      "headings": [
        "Viewing the New Supervisory Activity Progress Report {#t_agency_SA_ProgressReport_New .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/userMgt/topics/t_agency_SA_ProgressReport_New.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/userMgt/topics/t_agency_SA_reports-1.md:chunk-0",
      "title": "Viewing SA Reports {#t_agency_SA_reports .task}",
      "content": "# Viewing SA Reports \n\nSES has reports available containing data about your agency’s supervisory activities. Within the reporting tool, agency users will find metrics and graphs for supervisory activities with findings, as well as open and closed supervisory activities.\n\n1.  Select the **Agency Reports** drop-down menu from the Top Menu of the homepage.\n\n    \n\n2.  Select **SA Reports**.\n\n3.  Choose an SA Report:\n\n\n\nReport Name\n\n\n\nData Points Available\n\n\n\n**Open Supervisory Activities**\n\n\n\n-   Coming up in the next 12 months\n-   Milestone breakdown\n-   EIC assignments\n-   Supervisory Activity Aging Report\n\n\n\n**Closed Supervisory Activities**\n\n\n\n-   Average time in-flight\n-   Average number of AFRs per exam\n-   AFR frequency breakdown\n-   Percentage multi-state\n-   Average Time Spent in Milestone\n-   Monetary Relief Provided to Consumer[^1]\n\n\n\n**Findings[^1]**\n\n\n\n-   Findings by category\n-   Findings by type\n-   Finding count by supervisory activity\n-   Findings across closed supervisory activities\n\n\n4.  For certain reports, you can export report data to Excel®:\n\n    1.  Click into the report charts and graphs to see a grid view of the data.\n\n    2.  Click **Export to Excel** at the bottom of the grid.\n\n        \n\n        The exported data is emailed to you as an attachment.\n\n**Parent topic:**SES Supervisory Activity Reports\n\n[^1]: You can export these reports to Excel.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\userMgt\\topics\\t_agency_SA_reports-1.md",
      "relative_path": "maps\\SES\\chapter\\userMgt\\topics\\t_agency_SA_reports-1.md",
      "headings": [
        "Viewing SA Reports {#t_agency_SA_reports .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/userMgt/topics/t_agency_SA_reports-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/userMgt/topics/t_agency_SA_reports.md:chunk-0",
      "title": "Viewing SA Reports {#t_agency_SA_reports .task}",
      "content": "# Viewing SA Reports \n\nSES has reports available containing data about your agency’s supervisory activities. Within the reporting tool, agency users will find metrics and graphs for supervisory activities with findings, as well as open and closed supervisory activities.\n\n1.  Select the **Agency Reports** drop-down menu from the Top Menu of the homepage.\n\n    \n\n2.  Select **SA Reports**.\n\n3.  Choose an SA Report:\n\n\n\nReport Name\n\n\n\nData Points Available\n\n\n\n**Open Supervisory Activities**\n\n\n\n-   Coming up in the next 12 months\n-   Milestone breakdown\n-   EIC assignments\n-   Supervisory Activity Aging Report\n\n\n\n**Closed Supervisory Activities**\n\n\n\n-   Average time in-flight\n-   Average number of AFRs per exam\n-   AFR frequency breakdown\n-   Percentage multi-state\n-   Average Time Spent in Milestone\n-   Monetary Relief Provided to Consumer[^1]\n\n\n\n**Findings[^1]**\n\n\n\n-   Findings by category\n-   Findings by type\n-   Finding count by supervisory activity\n-   Findings across closed supervisory activities\n\n\n4.  For certain reports, you can export report data to Excel®:\n\n    1.  Click into the report charts and graphs to see a grid view of the data.\n\n    2.  Click **Export to Excel** at the bottom of the grid.\n\n        \n\n        The exported data is emailed to you as an attachment.\n\n[^1]: You can export these reports to Excel.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\userMgt\\topics\\t_agency_SA_reports.md",
      "relative_path": "maps\\SES\\chapter\\userMgt\\topics\\t_agency_SA_reports.md",
      "headings": [
        "Viewing SA Reports {#t_agency_SA_reports .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/userMgt/topics/t_agency_SA_reports.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/userMgt/topics/t_agency_SA_reports_IRresponseActivity-1.md:chunk-0",
      "title": "Viewing the SA IR Response Activity Report {#t_agency_SA_reports_IRresponseActivity .task}",
      "content": "# Viewing the SA IR Response Activity Report \n\nYou can access the SA IR Response Activity Report to view the progress of all the information requests on your agency’s supervisory activities that have been responded to by the company.\n\nThe SA IR Response Activity Report features many key data points of your information requests from your agency’s supervisory activities, such as:\n\n-   IR ID, Library ID, Request, and SA ID\n-   IR due date\n-   IR status\n-   Quick Look Complete information\n-   The date and time the IR was first sent to the company\n-   The date and time of the company’s most recent response\n\n1.  Select the **Agency Reports** drop-down menu from the Top Menu of the homepage.\n\n    \n\n2.  Select **IR Response Activity**.\n\nLooking for information you need that is not available on the reports? Send an email to the SES Feedback Team at SESfeedback@csbs.org.\n\n**Parent topic:**SES Supervisory Activity Reports",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\userMgt\\topics\\t_agency_SA_reports_IRresponseActivity-1.md",
      "relative_path": "maps\\SES\\chapter\\userMgt\\topics\\t_agency_SA_reports_IRresponseActivity-1.md",
      "headings": [
        "Viewing the SA IR Response Activity Report {#t_agency_SA_reports_IRresponseActivity .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/userMgt/topics/t_agency_SA_reports_IRresponseActivity-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/userMgt/topics/t_agency_SA_reports_IRresponseActivity.md:chunk-0",
      "title": "Viewing the SA IR Response Activity Report {#t_agency_SA_reports_IRresponseActivity .task}",
      "content": "# Viewing the SA IR Response Activity Report \n\nYou can access the SA IR Response Activity Report to view the progress of all the information requests on your agency’s supervisory activities that have been responded to by the company.\n\nThe SA IR Response Activity Report features many key data points of your information requests from your agency’s supervisory activities, such as:\n\n-   IR ID, Library ID, Request, and SA ID\n-   IR due date\n-   IR status\n-   Quick Look Complete information\n-   The date and time the IR was first sent to the company\n-   The date and time of the company’s most recent response\n\n1.  Select the **Agency Reports** drop-down menu from the Top Menu of the homepage.\n\n    \n\n2.  Select **IR Response Activity**.\n\nLooking for information you need that is not available on the reports? Send an email to the SES Feedback Team at SESfeedback@csbs.org.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\userMgt\\topics\\t_agency_SA_reports_IRresponseActivity.md",
      "relative_path": "maps\\SES\\chapter\\userMgt\\topics\\t_agency_SA_reports_IRresponseActivity.md",
      "headings": [
        "Viewing the SA IR Response Activity Report {#t_agency_SA_reports_IRresponseActivity .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/userMgt/topics/t_agency_SA_reports_IRresponseActivity.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/userMgt/topics/t_agency_SAstaffing_AssignOverlap-1.md:chunk-0",
      "title": "Viewing SA Assignment Overlap {#t_agency_SAstaffing_viewingSaAssignmentOverlap .task}",
      "content": "# Viewing SA Assignment Overlap \n\nThe Supervisory Activity Assignment Overlaps report displays three-month windows where examiners are assigned as participants on multiple supervisory activities in each month.\n\n1.  Select the **Agency Reports** drop-down menu from the Top Menu of the homepage.\n\n    \n\n2.  Select **SA Staffing**.\n\n3.  Click the Supervisory Activity Assignment Overlaps tab.\n\n    \n\n    -   **>** icon : Click to navigate through different three-month windows.\n    -   **+** icon: Click to see the details of the supervisory activities and access them in a new tab in your browser to manage participants.\n    -   **Refresh Report**: Click to see the updated report after making any changes to supervisory activity participants.\n\n**Parent topic:**The Supervisory Activity Staffing Report\n\n**Related information**  \n\nViewing SAs with No EIC Assigned\n\nViewing Examiner Availability",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\userMgt\\topics\\t_agency_SAstaffing_AssignOverlap-1.md",
      "relative_path": "maps\\SES\\chapter\\userMgt\\topics\\t_agency_SAstaffing_AssignOverlap-1.md",
      "headings": [
        "Viewing SA Assignment Overlap {#t_agency_SAstaffing_viewingSaAssignmentOverlap .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/userMgt/topics/t_agency_SAstaffing_AssignOverlap-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/userMgt/topics/t_agency_SAstaffing_AssignOverlap.md:chunk-0",
      "title": "Viewing SA Assignment Overlap {#t_agency_SAstaffing_viewingSaAssignmentOverlap .task}",
      "content": "# Viewing SA Assignment Overlap \n\nThe Supervisory Activity Assignment Overlaps report displays three-month windows where examiners are assigned as participants on multiple supervisory activities in each month.\n\n1.  Select the **Agency Reports** drop-down menu from the Top Menu of the homepage.\n\n    \n\n2.  Select **SA Staffing**.\n\n3.  Click the Supervisory Activity Assignment Overlaps tab.\n\n    \n\n    -   **>** icon : Click to navigate through different three-month windows.\n    -   **+** icon: Click to see the details of the supervisory activities and access them in a new tab in your browser to manage participants.\n    -   **Refresh Report**: Click to see the updated report after making any changes to supervisory activity participants.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\userMgt\\topics\\t_agency_SAstaffing_AssignOverlap.md",
      "relative_path": "maps\\SES\\chapter\\userMgt\\topics\\t_agency_SAstaffing_AssignOverlap.md",
      "headings": [
        "Viewing SA Assignment Overlap {#t_agency_SAstaffing_viewingSaAssignmentOverlap .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/userMgt/topics/t_agency_SAstaffing_AssignOverlap.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/userMgt/topics/t_agency_SAstaffing_ExaminerAvail-1.md:chunk-0",
      "title": "Viewing Examiner Availability {#t_agency_SAstaffing_viewingExaminerAvailability .task}",
      "content": "# Viewing Examiner Availability \n\nThe Examiners with Availability report shows a month-to-month breakdown of examiners that are not currently listed as a participant on any supervisory activities for the specific month selected.\n\n1.  Select the **Agency Reports** drop-down menu from the Top Menu of the homepage.\n\n    \n\n2.  Select **SA Staffing**.\n\n3.  Click the Examiners with Availability tab.\n\n    \n\n4.  Use the forward and backward arrows to navigate through calendar months.\n\n5.  Click **Show Filters** to filter the list of examiners.\n\n**Parent topic:**The Supervisory Activity Staffing Report\n\n**Related information**  \n\nViewing SAs with No EIC Assigned\n\nViewing SA Assignment Overlap",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\userMgt\\topics\\t_agency_SAstaffing_ExaminerAvail-1.md",
      "relative_path": "maps\\SES\\chapter\\userMgt\\topics\\t_agency_SAstaffing_ExaminerAvail-1.md",
      "headings": [
        "Viewing Examiner Availability {#t_agency_SAstaffing_viewingExaminerAvailability .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/userMgt/topics/t_agency_SAstaffing_ExaminerAvail-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/userMgt/topics/t_agency_SAstaffing_ExaminerAvail.md:chunk-0",
      "title": "Viewing Examiner Availability {#t_agency_SAstaffing_viewingExaminerAvailability .task}",
      "content": "# Viewing Examiner Availability \n\nThe Examiners with Availability report shows a month-to-month breakdown of examiners that are not currently listed as a participant on any supervisory activities for the specific month selected.\n\n1.  Select the **Agency Reports** drop-down menu from the Top Menu of the homepage.\n\n    \n\n2.  Select **SA Staffing**.\n\n3.  Click the Examiners with Availability tab.\n\n    \n\n4.  Use the forward and backward arrows to navigate through calendar months.\n\n5.  Click **Show Filters** to filter the list of examiners.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\userMgt\\topics\\t_agency_SAstaffing_ExaminerAvail.md",
      "relative_path": "maps\\SES\\chapter\\userMgt\\topics\\t_agency_SAstaffing_ExaminerAvail.md",
      "headings": [
        "Viewing Examiner Availability {#t_agency_SAstaffing_viewingExaminerAvailability .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/userMgt/topics/t_agency_SAstaffing_ExaminerAvail.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/userMgt/topics/t_agency_SAstaffing_SAsansEIC-1.md:chunk-0",
      "title": "Viewing SAs with No EIC Assigned {#t_agency_SAstaffing_viewingSasWithNoEicAssigned .task}",
      "content": "# Viewing SAs with No EIC Assigned \n\nThe EIC Not Assigned report displays a list of all the SAs for your agency where an EIC has not been assigned.\n\n1.  Select the **Agency Reports** drop-down menu from the Top Menu of the homepage.\n\n    \n\n2.  Select **SA Staffing**.\n\n3.  Click the EIC Not Assigned tab.\n\n    \n\n4.  To assign an EIC:\n\n    1.  Click the **SA ID** hyperlink to open an SA in a new tab in your browser.\n\n    2.  Assign the EIC on the Participants page.\n\n        **Note:** See Managing Supervisory Activity Participants for more information.\n\n    3.  Return to the SA Staffing Report tab in your browser.\n\n    4.  Click the **Refresh Report** button to see the SA drop off the report.\n\n**Parent topic:**The Supervisory Activity Staffing Report\n\n**Related information**  \n\nViewing SA Assignment Overlap\n\nViewing Examiner Availability",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\userMgt\\topics\\t_agency_SAstaffing_SAsansEIC-1.md",
      "relative_path": "maps\\SES\\chapter\\userMgt\\topics\\t_agency_SAstaffing_SAsansEIC-1.md",
      "headings": [
        "Viewing SAs with No EIC Assigned {#t_agency_SAstaffing_viewingSasWithNoEicAssigned .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/userMgt/topics/t_agency_SAstaffing_SAsansEIC-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/userMgt/topics/t_agency_SAstaffing_SAsansEIC.md:chunk-0",
      "title": "Viewing SAs with No EIC Assigned {#t_agency_SAstaffing_viewingSasWithNoEicAssigned .task}",
      "content": "# Viewing SAs with No EIC Assigned \n\nThe EIC Not Assigned report displays a list of all the SAs for your agency where an EIC has not been assigned.\n\n1.  Select the **Agency Reports** drop-down menu from the Top Menu of the homepage.\n\n    \n\n2.  Select **SA Staffing**.\n\n3.  Click the EIC Not Assigned tab.\n\n    \n\n4.  To assign an EIC:\n\n    1.  Click the **SA ID** hyperlink to open an SA in a new tab in your browser.\n\n    2.  Assign the EIC on the Participants page.\n\n        **Note:** See Managing Supervisory Activity Participants for more information.\n\n    3.  Return to the SA Staffing Report tab in your browser.\n\n    4.  Click the **Refresh Report** button to see the SA drop off the report.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\userMgt\\topics\\t_agency_SAstaffing_SAsansEIC.md",
      "relative_path": "maps\\SES\\chapter\\userMgt\\topics\\t_agency_SAstaffing_SAsansEIC.md",
      "headings": [
        "Viewing SAs with No EIC Assigned {#t_agency_SAstaffing_viewingSasWithNoEicAssigned .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/userMgt/topics/t_agency_SAstaffing_SAsansEIC.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/userMgt/topics/t_agency_nationwideAcceptanceReport.md:chunk-0",
      "title": "Viewing the Nationwide Acceptance Report {#xd_6598e38c1b0f3b54--390a811c-18de0a9e0a8--7ff4 .task}",
      "content": "# Viewing the Nationwide Acceptance Report \n\nView information about supervisory activitues that have been accepted in SES by other agencies.\n\n1.  Click the the **Accepted SAs** button from the Nationwide Reports section of the homepage.\n\n    \n\nYou are presented with a report displaying all of the supervisory activities that have been accepted in SES by other agencies. This report does not include any supervisory activities that have been accepted by your agency. See Accepting a Supervisory Activity for more information about accepting supervisory activities.\n\n**Parent topic:**Nationwide Reports",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\userMgt\\topics\\t_agency_nationwideAcceptanceReport.md",
      "relative_path": "maps\\SES\\chapter\\userMgt\\topics\\t_agency_nationwideAcceptanceReport.md",
      "headings": [
        "Viewing the Nationwide Acceptance Report {#xd_6598e38c1b0f3b54--390a811c-18de0a9e0a8--7ff4 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/userMgt/topics/t_agency_nationwideAcceptanceReport.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/userMgt/topics/t_agency_nationwideLeverageReport.md:chunk-0",
      "title": "Viewing the Nationwide Leverage Report {#xd_6598e38c1b0f3b54--390a811c-18de0a9e0a8--7ff3 .task}",
      "content": "# Viewing the Nationwide Leverage Report \n\nView information about supervisory activitues that have been accepted in SES by other agencies.\n\n1.  Click the the **Leveraged SAs** button from the Nationwide Reports section of the homepage.\n\n    \n\nYou are presented with a report displaying all of the supervisory activities that have been leveraged in SES by other agencies. This report does not include any supervisory activities that have been leveraged by your agency. See Leveraging Another Agency's Supervisory Activity for more information about leveraging supervisory activities.\n\n**Parent topic:**Nationwide Reports",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\userMgt\\topics\\t_agency_nationwideLeverageReport.md",
      "relative_path": "maps\\SES\\chapter\\userMgt\\topics\\t_agency_nationwideLeverageReport.md",
      "headings": [
        "Viewing the Nationwide Leverage Report {#xd_6598e38c1b0f3b54--390a811c-18de0a9e0a8--7ff3 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/userMgt/topics/t_agency_nationwideLeverageReport.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/userMgt/topics/t_agency_profile_biztypes.md:chunk-0",
      "title": "Updating Business Types and Business Activities Supervised {#t_agency_profile_biztypes .task}",
      "content": "# Updating Business Types and Business Activities Supervised \n\nThe Agency Profile includes information about the types of businesses and activities over which the ageny has supervision. The account administrator for the agency can update this information, to help other agencies using SES for similar purposes to locate appropriate contacts.\n\n1.  Click **Manage Agency Profile** on the homepage.\n\n    \n\n2.  Click **Manage Agency Supervision** in the top right.\n\n    \n\n3.  Click **Remove** to remove business types and activities.\n\n4.  Click **+Add Business Type** to add business types and activities.\n\n5.  Click **Update Agency Supervision**.\n\n    \n\n**Parent topic:**Managing the Agency Profile",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\userMgt\\topics\\t_agency_profile_biztypes.md",
      "relative_path": "maps\\SES\\chapter\\userMgt\\topics\\t_agency_profile_biztypes.md",
      "headings": [
        "Updating Business Types and Business Activities Supervised {#t_agency_profile_biztypes .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/userMgt/topics/t_agency_profile_biztypes.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/userMgt/topics/t_agency_profile_emaildomains.md:chunk-0",
      "title": "Managing Agency Email Domains {#t_agency_profile_emaildomains .task}",
      "content": "# Managing Agency Email Domains \n\nYou can manage the email domains associated with your agency in SES. The system verifies your agency’s users’ information against the email domain entered in this section.\n\n1.  Click **Manage Agency Profile** on the homepage.\n\n    \n\n2.  Click **Email Domains**.\n\n    \n\n3.  Click **Manage Domains** in the top right.\n\n    \n\n4.  To add an email domain, click **+Add Agency Domain**.\n\n5.  To remove an existing email domain, click on the **red X** next to the applicable domain name.\n\n6.  Click **Update Email Domains**.\n\n    \n\n    **Note:** The best practice when managing email domains is to enforce the sole use of your agency’s email domain.\n\n**Parent topic:**Managing the Agency Profile",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\userMgt\\topics\\t_agency_profile_emaildomains.md",
      "relative_path": "maps\\SES\\chapter\\userMgt\\topics\\t_agency_profile_emaildomains.md",
      "headings": [
        "Managing Agency Email Domains {#t_agency_profile_emaildomains .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/userMgt/topics/t_agency_profile_emaildomains.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/userMgt/topics/t_agency_resetting_user_password.md:chunk-0",
      "title": "Resetting User Password {#t_resetting_user_password .task}",
      "content": "# Resetting User Password \n\nUse this procedure to reset a user's password when it is expired or the user is locked of the system.\n\n1.  Click **Manage Users** on the homepage.\n\n    \n\n2.  Click **Manage Users** in the top right.\n\n    \n\n3.  Search for the desired user.\n\n    **Important:** You must click **Search**. Pressing the **Enter** key does not generate search results.\n\n4.  Select the row of the desired user from the results.\n\n    \n\n5.  Select **Reset Password**.\n\n6.  Click **Next**.\n\n7.  Click **Reset Password**.\n\n    \n\n8.  Click **Confirm**.\n\n    \n\n**Parent topic:**Managing Agency User Accounts\n\n**Related information**  \n\nUpdating a User's Profile\n\nUpdating Agency User Roles\n\nUnlocking a User Account\n\nResetting a User’s Multi-factor Authentication \\(MFA\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\userMgt\\topics\\t_agency_resetting_user_password.md",
      "relative_path": "maps\\SES\\chapter\\userMgt\\topics\\t_agency_resetting_user_password.md",
      "headings": [
        "Resetting User Password {#t_resetting_user_password .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/userMgt/topics/t_agency_resetting_user_password.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/userMgt/topics/t_agency_unlocking_a_user_account.md:chunk-0",
      "title": "Unlocking a User Account {#t_unlocking_a_user_account .task}",
      "content": "# Unlocking a User Account \n\nUse this procedure to restore a user's access when the user account has been locked out.\n\n1.  Click **Manage Users** on the homepage.\n\n    \n\n2.  Click **Manage Users** in the top right.\n\n    \n\n3.  Search for the desired user.\n\n    **Important:** You must click **Search**. Pressing the **Enter** key does not generate search results.\n\n4.  Select the row of the desired user from the results.\n\n    \n\n5.  Select **Unlock Account**.\n\n6.  Click **Next**.\n\n7.  Click **Unlock Account**.\n\n    \n\n8.  Click **Close**.\n\n    \n\n**Parent topic:**Managing Agency User Accounts\n\n**Related information**  \n\nUpdating a User's Profile\n\nUpdating Agency User Roles\n\nResetting User Password\n\nResetting a User’s Multi-factor Authentication \\(MFA\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\userMgt\\topics\\t_agency_unlocking_a_user_account.md",
      "relative_path": "maps\\SES\\chapter\\userMgt\\topics\\t_agency_unlocking_a_user_account.md",
      "headings": [
        "Unlocking a User Account {#t_unlocking_a_user_account .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/userMgt/topics/t_agency_unlocking_a_user_account.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/userMgt/topics/t_agency_updating_a_user_s_profile.md:chunk-0",
      "title": "Updating a User's Profile {#t_updating_a_user_s_profile .task}",
      "content": "# Updating a User's Profile \n\nUse this procedure to change a user's name, email, or contact information.\n\nBefore updating a profile, you must first open the user's profile.\n\n1.  Click **Manage Users** on the homepage.\n\n    \n\n2.  Click **Manage Users** in the top right.\n\n    \n\n3.  Search for the desired user.\n\n    **Important:** You must click **Search**. Pressing the **Enter** key does not generate search results.\n\n4.  Select the row of the desired user from the results.\n\n    \n\n5.  Select **Update User Profile**.\n\n6.  Click **Next**.\n\n7.  Update the necessary fields.\n\n8.  Click **Update User Information** in the bottom right.\n\n    \n\n**Parent topic:**Managing Agency User Accounts\n\n**Related information**  \n\nUpdating Agency User Roles\n\nResetting User Password\n\nUnlocking a User Account\n\nResetting a User’s Multi-factor Authentication \\(MFA\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\userMgt\\topics\\t_agency_updating_a_user_s_profile.md",
      "relative_path": "maps\\SES\\chapter\\userMgt\\topics\\t_agency_updating_a_user_s_profile.md",
      "headings": [
        "Updating a User's Profile {#t_updating_a_user_s_profile .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/userMgt/topics/t_agency_updating_a_user_s_profile.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/userMgt/topics/t_agency_updating_roles-1.md:chunk-0",
      "title": "Updating Agency User Roles {#t_updating_roles_and_groups .task}",
      "content": "# Updating Agency User Roles \n\nUse this procedure to set or change a user's permissions within the system.\n\n1.  Click **Manage Users** on the homepage.\n\n    \n\n2.  Click **Manage Users** in the top right.\n\n    \n\n3.  Search for the desired user.\n\n    **Important:** You must click **Search**. Pressing the **Enter** key does not generate search results.\n\n4.  Select the row of the desired user from the results.\n\n    \n\n5.  Select **Update Roles**.\n\n6.  Click **Next**.\n\n7.  Update the **Roles**.\n\n    **Note:** If you want the user to have access to SES Consumer Complaints, select **Yes** and then select the type of access you want the user to have. If you select **View Only**, the user cannot manage Consumer Complaints in SES.\n\n    \n\n8.  Click **Update Roles** in the bottom right.\n\n**Parent topic:**Managing Agency User Accounts\n\n**Related information**  \n\nUpdating a User's Profile\n\nResetting User Password\n\nUnlocking a User Account\n\nResetting a User’s Multi-factor Authentication \\(MFA\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\userMgt\\topics\\t_agency_updating_roles-1.md",
      "relative_path": "maps\\SES\\chapter\\userMgt\\topics\\t_agency_updating_roles-1.md",
      "headings": [
        "Updating Agency User Roles {#t_updating_roles_and_groups .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/userMgt/topics/t_agency_updating_roles-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/userMgt/topics/t_agency_updating_roles.md:chunk-0",
      "title": "Updating Agency User Roles {#t_updating_roles_and_groups .task}",
      "content": "# Updating Agency User Roles \n\nUse this procedure to set or change a user's permissions within the system.\n\n1.  Click **Manage Users** on the homepage.\n\n    \n\n2.  Click **Manage Users** in the top right.\n\n    \n\n3.  Search for the desired user.\n\n    **Important:** You must click **Search**. Pressing the **Enter** key does not generate search results.\n\n4.  Select the row of the desired user from the results.\n\n    \n\n5.  Select **Update Roles**.\n\n6.  Click **Next**.\n\n7.  Update the **Roles**.\n\n    **Note:** If you want the user to have access to SES Consumer Complaints, select **Yes** and then select the type of access you want the user to have. If you select **View Only**, the user cannot manage Consumer Complaints in SES.\n\n    \n\n8.  Click **Update Roles** in the bottom right.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\userMgt\\topics\\t_agency_updating_roles.md",
      "relative_path": "maps\\SES\\chapter\\userMgt\\topics\\t_agency_updating_roles.md",
      "headings": [
        "Updating Agency User Roles {#t_updating_roles_and_groups .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/userMgt/topics/t_agency_updating_roles.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/userMgt/topics/t_agency_userAccountVerifying-1.md:chunk-0",
      "title": "Verifying Agency Users {#t_agency_userAccountVerifying .task}",
      "content": "# Verifying Agency Users \n\nEvery month, the account administrators at each agency must verify its users in SES. Account administrators are expect to review their agency’s existing users and remove access for anyone that no longer needs it.\n\nThis task displays the last time a user accepted the Terms of Use, which is a good proxy for the last time the user has accessed the system. By completing this important task, the account administrators can ensure that only authorized users at their agency have access to SES.\n\nEnsuring that only authorized users of your agency have access to SES is the responsibility of each agency's account administrators. As staff changes occur in the agency, their SES accounts should be updated or provisioned accordingly. This monthly task helps ensure this important role of an account administrator is fulfilled.\n\n**Note:** An email is sent to account administrators every month when the Verify Agency Users task is generated.\n\n1.  Click **Verify Agency Users** in the Tasks section on the left side of the homepage.\n\n    \n\n2.  Click **Accept** in the upper right corner.\n\n    \n\n3.  Review the list of users, removing any that no longer need an account in SES.\n\n    1.  To remove a user, click the user's **hyperlinked name**.\n\n        \n\n    2.  Click **Remove User**.\n\n        \n\n4.  Click **Verify Users**.\n\n    \n\n**Parent topic:**Managing Agency User Accounts",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\userMgt\\topics\\t_agency_userAccountVerifying-1.md",
      "relative_path": "maps\\SES\\chapter\\userMgt\\topics\\t_agency_userAccountVerifying-1.md",
      "headings": [
        "Verifying Agency Users {#t_agency_userAccountVerifying .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/userMgt/topics/t_agency_userAccountVerifying-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/userMgt/topics/t_agency_userAccountVerifying.md:chunk-0",
      "title": "Verifying Agency Users {#t_agency_userAccountVerifying .task}",
      "content": "# Verifying Agency Users \n\nEvery month, the account administrators at each agency must verify its users in SES. Account administrators are expect to review their agency’s existing users and remove access for anyone that no longer needs it.\n\nThis task displays the last time a user accepted the Terms of Use, which is a good proxy for the last time the user has accessed the system. By completing this important task, the account administrators can ensure that only authorized users at their agency have access to SES.\n\nEnsuring that only authorized users of your agency have access to SES is the responsibility of each agency's account administrators. As staff changes occur in the agency, their SES accounts should be updated or provisioned accordingly. This monthly task helps ensure this important role of an account administrator is fulfilled.\n\n**Note:** An email is sent to account administrators every month when the Verify Agency Users task is generated.\n\n1.  Click **Verify Agency Users** in the Tasks section on the left side of the homepage.\n\n    \n\n2.  Click **Accept** in the upper right corner.\n\n    \n\n3.  Review the list of users, removing any that no longer need an account in SES.\n\n    1.  To remove a user, click the user's **hyperlinked name**.\n\n        \n\n    2.  Click **Remove User**.\n\n        \n\n4.  Click **Verify Users**.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\userMgt\\topics\\t_agency_userAccountVerifying.md",
      "relative_path": "maps\\SES\\chapter\\userMgt\\topics\\t_agency_userAccountVerifying.md",
      "headings": [
        "Verifying Agency Users {#t_agency_userAccountVerifying .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/userMgt/topics/t_agency_userAccountVerifying.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/userMgt/topics/t_agency_userAccount_MFAreset.md:chunk-0",
      "title": "Resetting a User’s Multi-factor Authentication \\(MFA\\) {#t_agency_userAccount_MFAreset .task}",
      "content": "# Resetting a User’s Multi-factor Authentication \\(MFA\\) \n\nThe account administrator can reset, thereby removing a user's MFA settings. The user can then setup a new MFA method.\n\n1.  Click **Manage Users** on the homepage.\n\n    \n\n2.  Click **Manage Users** in the top right.\n\n    \n\n3.  Search for the desired user.\n\n    **Important:** You must click **Search**. Pressing the **Enter** key does not generate search results.\n\n4.  Select the name of the user whose profile you want to update.\n\n    \n\n5.  Select the row of the desired user from the results.\n\n    \n\n6.  Select **Reset Multi-factor Authentication \\(MFA\\) Credentials \\(e.g., Google Authenticator, Symantec VIP, etc.\\)**.\n\n    This resets all of the selected user’s MFA methods.\n\n7.  Click **Next**.\n\n8.  Click **Reset Multi-factor Authentication**.\n\n    \n\n9.  Click **Confirm**.\n\nThe user can set up a new MFA method \\(e.g., Google Authenticator, Symantec VIP, etc.\\) to log in to SES.\n\n**Parent topic:**Managing Agency User Accounts\n\n**Related information**  \n\nUpdating a User's Profile\n\nUpdating Agency User Roles\n\nResetting User Password\n\nUnlocking a User Account",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\userMgt\\topics\\t_agency_userAccount_MFAreset.md",
      "relative_path": "maps\\SES\\chapter\\userMgt\\topics\\t_agency_userAccount_MFAreset.md",
      "headings": [
        "Resetting a User’s Multi-factor Authentication \\(MFA\\) {#t_agency_userAccount_MFAreset .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/userMgt/topics/t_agency_userAccount_MFAreset.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/userMgt/topics/t_agency_userAccount_creating.md:chunk-0",
      "title": "Creating an Agency User {#t_agency_userAccount_creating .task}",
      "content": "# Creating an Agency User \n\nYour agency's account administrator can create new users in SES.\n\n1.  Click **Manage Users** on the homepage.\n\n    \n\n2.  Click **Create New User** in the upper right corner.\n\n    \n\n3.  Complete the **User Information** fields and assign **Roles** and **Groups**.\n\n    **Note:** For complete information on agency roles and permissions, see SES Agency System Roles & Consumer Complaints Roles.\n\n    **Note:** For complete information on company roles and permissions, see SES Company User Roles Matrix.\n\n4.  Click **Create New User**.\n\n    \n\n**Parent topic:**Creating and Removing Agency Users",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\userMgt\\topics\\t_agency_userAccount_creating.md",
      "relative_path": "maps\\SES\\chapter\\userMgt\\topics\\t_agency_userAccount_creating.md",
      "headings": [
        "Creating an Agency User {#t_agency_userAccount_creating .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/userMgt/topics/t_agency_userAccount_creating.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/userMgt/topics/t_agency_userAccount_removing.md:chunk-0",
      "title": "Removing an Agency User {#t_agency_userAccount_removing .task}",
      "content": "# Removing an Agency User \n\nThe SES account administrator for your agency can add or remove user accounts.\n\n1.  Click **Manage Users** on the homepage.\n\n    \n\n2.  Click **Remove User** in the top right corner.\n\n    \n\n3.  Select the **Name** of the user to be removed.\n\n4.  Click **Remove User**.\n\n    \n\n**Parent topic:**Creating and Removing Agency Users",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\userMgt\\topics\\t_agency_userAccount_removing.md",
      "relative_path": "maps\\SES\\chapter\\userMgt\\topics\\t_agency_userAccount_removing.md",
      "headings": [
        "Removing an Agency User {#t_agency_userAccount_removing .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/userMgt/topics/t_agency_userAccount_removing.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/userMgt/topics/t_agency_viewingAgencyMetrics.md:chunk-0",
      "title": "Viewing Agency Metrics {#xd_a06670476a6c45b2--2e46445f-18f0117ba30--7ffc .task}",
      "content": "# Viewing Agency Metrics \n\nThe Agency Metrics in SES provide a dashboard view of both your agency's activity and nationwide activity in SES.\n\nThe Agency Metrics provide agency users, primarily commisioners or leadership, a dashboard view of their agency's SES activity in comparison to nationwide use of the system, such as:\n\n-   Open and Closed Supervisory Activities\n-   Supervisory Activities by Business Type\n-   SA Access Requests\n-   Accepted and Leveraged SAs\n-   Supervisory Activities by Scope Type\n-   Open and Closed Complaints\n\n**Note:** Complaints information is only available to users that are assigned a Consumer Complaints role. See SES Agency System Roles & Consumer Complaints Roles for more information.\n\n1.  Click **Agency Metrics** on the Top Menu of the homepage.\n\n    \n\n2.  Click any hyperlinked title or chart data to open a more detailed Drill Down view.\n\n    \n\n3.  Click the **View Nationwide Metrics** toggle to compare your agency's SES activity to nationwide activity.\n\n    \n\nLooking for information you need that is not available on the reports? Send an email to the SES Feedback Team at SESfeedback@csbs.org.\n\n**Parent topic:**SES Supervisory Activity Reports",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\userMgt\\topics\\t_agency_viewingAgencyMetrics.md",
      "relative_path": "maps\\SES\\chapter\\userMgt\\topics\\t_agency_viewingAgencyMetrics.md",
      "headings": [
        "Viewing Agency Metrics {#xd_a06670476a6c45b2--2e46445f-18f0117ba30--7ffc .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/userMgt/topics/t_agency_viewingAgencyMetrics.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/userMgt/topics/t_agency_workInfo_managingUserSkillset.md:chunk-0",
      "title": "Managing User Skillset {#t_agency_workInfo_managingUserSkillset .task}",
      "content": "# Managing User Skillset \n\nThe Skillset tab displays a user’s specializations. This information is visible to all agency users on SES. The selected skillset does not affect the user’s privileges in the system.\n\n**Note:** Account administrators can update the skillet for users at their agency. Users can update their own skillset.\n\n1.  Click **Manage Users** on the homepage.\n\n    \n\n2.  Select the **Name** hyperlink for the desired user.\n\n    \n\n3.  Click **Skillset** > **Update Skillset**.\n\n    \n\n4.  Select the desired **Business Types**.\n\n5.  Click **Update Skillset**.\n\n    \n\n**Parent topic:**Agency User Work Information",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\userMgt\\topics\\t_agency_workInfo_managingUserSkillset.md",
      "relative_path": "maps\\SES\\chapter\\userMgt\\topics\\t_agency_workInfo_managingUserSkillset.md",
      "headings": [
        "Managing User Skillset {#t_agency_workInfo_managingUserSkillset .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/userMgt/topics/t_agency_workInfo_managingUserSkillset.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/userMgt/topics/t_agency_workInfo_viewingCurrentWorkload-1.md:chunk-0",
      "title": "Viewing Current Workload {#t_agency_workInfo_viewingCurrentWorkload .task}",
      "content": "# Viewing Current Workload \n\nThe Current Workload tab displays key information about supervisory activities on which the user is an active participant. This information is visible to all agency users at the selected user’s agency.\n\n1.  Click **Manage Users** on the homepage.\n\n    \n\n2.  Select the **Name** hyperlink for the desired user.\n\n    \n\n3.  Click Current Workload.\n\n    \n\n**Parent topic:**Agency User Work Information",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\userMgt\\topics\\t_agency_workInfo_viewingCurrentWorkload-1.md",
      "relative_path": "maps\\SES\\chapter\\userMgt\\topics\\t_agency_workInfo_viewingCurrentWorkload-1.md",
      "headings": [
        "Viewing Current Workload {#t_agency_workInfo_viewingCurrentWorkload .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/userMgt/topics/t_agency_workInfo_viewingCurrentWorkload-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/userMgt/topics/t_agency_workInfo_viewingCurrentWorkload.md:chunk-0",
      "title": "Viewing Current Workload {#t_agency_workInfo_viewingCurrentWorkload .task}",
      "content": "# Viewing Current Workload \n\nThe Current Workload tab displays key information about supervisory activities on which the user is an active participant. This information is visible to all agency users at the selected user’s agency.\n\n1.  Click **Manage Users** on the homepage.\n\n    \n\n2.  Select the **Name** hyperlink for the desired user.\n\n    \n\n3.  Click Current Workload.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\userMgt\\topics\\t_agency_workInfo_viewingCurrentWorkload.md",
      "relative_path": "maps\\SES\\chapter\\userMgt\\topics\\t_agency_workInfo_viewingCurrentWorkload.md",
      "headings": [
        "Viewing Current Workload {#t_agency_workInfo_viewingCurrentWorkload .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/userMgt/topics/t_agency_workInfo_viewingCurrentWorkload.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/userMgt/topics/t_agency_workInfo_viewingExaminerHistory-1.md:chunk-0",
      "title": "Viewing Examiner History {#t_agency_workInfo_viewingExaminerHistory .task}",
      "content": "# Viewing Examiner History \n\nThe Examiner History tab displays key information about supervisory activities on which the user participated, including SA Role Breakdown, AFR Frequency Breakdown, and SA Business Type Breakdown. This information is visible to all agency users at the selected user’s agency.\n\n1.  Click **Manage Users** on the homepage.\n\n    \n\n2.  Select the **Name** hyperlink for the desired user.\n\n    \n\n3.  Click Examiner History.\n\n    \n\n4.  You can export the SA Role Breakdown information to Excel by clicking **Export to Excel**.\n\n    \n\n    The exported data is emailed to you as an attachment.\n\n**Parent topic:**Agency User Work Information",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\userMgt\\topics\\t_agency_workInfo_viewingExaminerHistory-1.md",
      "relative_path": "maps\\SES\\chapter\\userMgt\\topics\\t_agency_workInfo_viewingExaminerHistory-1.md",
      "headings": [
        "Viewing Examiner History {#t_agency_workInfo_viewingExaminerHistory .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/userMgt/topics/t_agency_workInfo_viewingExaminerHistory-1.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/userMgt/topics/t_agency_workInfo_viewingExaminerHistory.md:chunk-0",
      "title": "Viewing Examiner History {#t_agency_workInfo_viewingExaminerHistory .task}",
      "content": "# Viewing Examiner History \n\nThe Examiner History tab displays key information about supervisory activities on which the user participated, including SA Role Breakdown, AFR Frequency Breakdown, and SA Business Type Breakdown. This information is visible to all agency users at the selected user’s agency.\n\n1.  Click **Manage Users** on the homepage.\n\n    \n\n2.  Select the **Name** hyperlink for the desired user.\n\n    \n\n3.  Click Examiner History.\n\n    \n\n4.  You can export the SA Role Breakdown information to Excel by clicking **Export to Excel**.\n\n    \n\n    The exported data is emailed to you as an attachment.",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\userMgt\\topics\\t_agency_workInfo_viewingExaminerHistory.md",
      "relative_path": "maps\\SES\\chapter\\userMgt\\topics\\t_agency_workInfo_viewingExaminerHistory.md",
      "headings": [
        "Viewing Examiner History {#t_agency_workInfo_viewingExaminerHistory .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/userMgt/topics/t_agency_workInfo_viewingExaminerHistory.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/userMgt/topics/t_companyUser_remove.md:chunk-0",
      "title": "Removing a Company User {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7ff3 .task}",
      "content": "# Removing a Company User \n\nThe account administrator for your company can add or remove users for your company.\n\n**Note:** Only the account administrator can create and remove user accounts for a company.\n\n**Note:** You can also reset users’ passwords and update users’ information in this area of the system.\n\n1.  Click **Manage Users** on the homepage.\n\n    \n\n2.  Click **Remove User** in the top right corner.\n\n    \n\n3.  Select the **Name** of the user to be removed.\n\n4.  Click **Remove User**.\n\n    \n\n**Parent topic:**Creating and Removing Company Users",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\userMgt\\topics\\t_companyUser_remove.md",
      "relative_path": "maps\\SES\\chapter\\userMgt\\topics\\t_companyUser_remove.md",
      "headings": [
        "Removing a Company User {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7ff3 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/userMgt/topics/t_companyUser_remove.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/userMgt/topics/t_companyUsersThirdParty_creating.md:chunk-0",
      "title": "Creating Third-Party Users {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7ff1 .task}",
      "content": "# Creating Third-Party Users \n\nThe third-party user can hold the company lead or contributor role on a Supervisory Activity. This user is granted detail-level-access to only those SAs on which he or she is a participant.\n\n1.  Click **Manage Users** on the homepage.\n\n    \n\n2.  Click **Third Party Users**.\n\n    \n\n3.  Click **Create Third Party User** in the top right.\n\n    \n\n4.  Complete the user information fields and assign the Third-Party role.\n\n5.  Click **Create New User**.\n\n    \n\nTwo emails are sent to the third-party user to set up his or her account in SES, similar to the company account setup process.\n\nNew users must verify that they are affiliated with the a company before getting access to the system. If the new user rejects the company association request, the onboarding process ends and the agency receives a notification of the rejection.\n\n**Parent topic:**Creating and Removing Third-Party Users\n\n**Related information**  \n\nSES Company User Roles Matrix",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\userMgt\\topics\\t_companyUsersThirdParty_creating.md",
      "relative_path": "maps\\SES\\chapter\\userMgt\\topics\\t_companyUsersThirdParty_creating.md",
      "headings": [
        "Creating Third-Party Users {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7ff1 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/userMgt/topics/t_companyUsersThirdParty_creating.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/userMgt/topics/t_companyUsersThirdParty_removing.md:chunk-0",
      "title": "Removing Third-Party Users {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7ff0 .task}",
      "content": "# Removing Third-Party Users \n\nA Third Party User is automatically removed from the Supervisory Activity when it is closed or when the last of the Matters Requiring Attention is closed. However, you can remove a third-party user at any time, unless the third-party user is the company lead on a Supervisory Activity\n\n**Important:** If the user is a company lead on an active supervisory activity, the user cannot be removed.\n\n1.  Click **Manage Users** on the homepage.\n\n    \n\n2.  Click the **Third Party Users** tab.\n\n    \n\n3.  Select the **Name** of the user to be removed.\n\n4.  Click **Remove User**.\n\n    \n\n**Parent topic:**Creating and Removing Third-Party Users",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\userMgt\\topics\\t_companyUsersThirdParty_removing.md",
      "relative_path": "maps\\SES\\chapter\\userMgt\\topics\\t_companyUsersThirdParty_removing.md",
      "headings": [
        "Removing Third-Party Users {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7ff0 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/userMgt/topics/t_companyUsersThirdParty_removing.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/userMgt/topics/t_companyUsers_create.md:chunk-0",
      "title": "Creating a Company User {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7ff4 .task}",
      "content": "# Creating a Company User \n\nThe account administrator can create new users in SES for your company. Users can be employees of your company or third-party users, such as external consultants.\n\n**Note:** Only the account administrator can create and remove user accounts for a company.\n\n**Note:** You can also reset users’ passwords and update users’ information in this area of the system.\n\nConsult SES Company User Roles Matrix to learn more about each role.\n\n1.  Click **Manage Users** on the homepage.\n\n    \n\n2.  Click **Create New User** in the upper right corner.\n\n    \n\n3.  Complete the **User Information** fields and assign **Roles** and **Groups**.\n\n    **Note:** For complete information on agency roles and permissions, see SES Agency System Roles & Consumer Complaints Roles.\n\n    **Note:** For complete information on company roles and permissions, see SES Company User Roles Matrix.\n\n4.  Click **Create New User**.\n\n    \n\nUpon creating a new company user role, be sure to share the Activating Your Okta Account for SES article with the user.\n\n**Parent topic:**Creating and Removing Company Users\n\n**Related information**  \n\nSES Company User Roles Matrix\n\nActivating Your Okta Account for SES\n\nRegistering with Google Authenticator\n\nRegistering with Symantec VIP",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\userMgt\\topics\\t_companyUsers_create.md",
      "relative_path": "maps\\SES\\chapter\\userMgt\\topics\\t_companyUsers_create.md",
      "headings": [
        "Creating a Company User {#xd_63000f4c6f866c3b-778edd25-180eba1d26c--7ff4 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/userMgt/topics/t_companyUsers_create.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/userMgt/topics/t_company_convertingCompanyUserToThirdPartyUser.md:chunk-0",
      "title": "Converting a Company User to a Third Party User {#xd_d3a31731b3d9489c-bfe91f5-18b10252798--7ffd .task}",
      "content": "# Converting a Company User to a Third Party User \n\nHow to remove an existing company user from your company’s record and reactivate them as a third party user type.\n\nSome companies may have mistakenly created company user accounts for what should be third party users \\(e.g., compliance consultants or lawyers that are not employees of their company\\). SES allows you to convert those users to third party users by temporarily removing their company user account and then reactivating them as third party users.\n\n1.  Click **Manage Users** on the homepage.\n\n    \n\n2.  Click the Company Users tab.\n\n3.  Click the hyperlinked name of the user that you want to change to a third party user.\n\n4.  Copy down the user’s email address. You will need it when you re-add them to the system.\n\n5.  Click **Remove User**.\n\n    \n\n6.  Click **Remove User** again on the confirmation message that appears.\n\n7.  Click **Confirm**.\n\n8.  Navigate back to the Manage Users screen from Step 1 above.\n\n9.  Click the **Third Party Users** tab.\n\n10. Click **Create Third Party User**.\n\n    \n\n11. Enter the user’s email address that you copied in Step 4 above.\n\n12. Confirm the following message appears: “The email you have entered already exists for an inactive user in the system \\[user’s email address\\]. This user account will be reactivated upon completion of this form.\n\n    **Note:** The name and information of the user automatically populates.\n\n13. Enter the **Organization Name** for the user.\n\n14. Check the box for the Third Party field.\n\n15. Click **Reactivate User**.\n\n    \n\nThe user is now listed on the Third Party Users tab and has been successfully reactivated in the system.\n\n**Parent topic:**Creating and Removing Third-Party Users",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\userMgt\\topics\\t_company_convertingCompanyUserToThirdPartyUser.md",
      "relative_path": "maps\\SES\\chapter\\userMgt\\topics\\t_company_convertingCompanyUserToThirdPartyUser.md",
      "headings": [
        "Converting a Company User to a Third Party User {#xd_d3a31731b3d9489c-bfe91f5-18b10252798--7ffd .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/userMgt/topics/t_company_convertingCompanyUserToThirdPartyUser.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/userMgt/topics/t_company_emailDomains.md:chunk-0",
      "title": "Managing Company Email Domains {#xd_6598e38c1b0f3b54--390a811c-18de0a9e0a8--7ff6 .task}",
      "content": "# Managing Company Email Domains \n\nYou can manage the email domains associated with your company in SES. The system verifies your agency’s users’ information against the email domain entered in this section.\n\n1.  Click **Manage Users** on the homepage.\n\n    \n\n2.  Click **Email Domains**.\n\n    \n\n3.  Click **Manage Domains** in the top right.\n\n    \n\n4.  To add an email domain, click **+Add Company Domain**.\n\n5.  To remove an existing email domain, click on the **red X** next to the applicable domain name.\n\n6.  Click **Update Email Domains**.\n\n**Parent topic:**Managing Company Users\n\n**Related information**  \n\nCreating and Removing Company Users\n\nCreating and Removing Third-Party Users\n\nManaging Company User Accounts\n\nAssigning Company Contacts",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\userMgt\\topics\\t_company_emailDomains.md",
      "relative_path": "maps\\SES\\chapter\\userMgt\\topics\\t_company_emailDomains.md",
      "headings": [
        "Managing Company Email Domains {#xd_6598e38c1b0f3b54--390a811c-18de0a9e0a8--7ff6 .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/userMgt/topics/t_company_emailDomains.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/userMgt/topics/t_company_resettingUserPassword.md:chunk-0",
      "title": "Resetting a User's Password {#t_companyresettingTheUserSPassword .task}",
      "content": "# Resetting a User's Password \n\nReset the password for a user who has lost or forgotten his or her SES account password.\n\n1.  Click **Manage Users** on the homepage.\n\n    \n\n2.  Click **Manage Users** in the top right.\n\n    \n\n3.  Search for the desired user.\n\n    **Important:** You must click **Search**. Pressing the **Enter** key does not generate search results.\n\n4.  Select the name of the user whose profile you want to update.\n\n    \n\n5.  Select **Reset Password**.\n\n6.  Click **Next**.\n\n7.  Click **Reset Password**.\n\n    \n\n**Parent topic:**Managing Company User Accounts\n\n**Related information**  \n\nUpdating a User's Profile\n\nUpdating Company User Roles\n\nUnlocking a User's Account\n\nResetting a User’s Multi-factor Authentication \\(MFA\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\userMgt\\topics\\t_company_resettingUserPassword.md",
      "relative_path": "maps\\SES\\chapter\\userMgt\\topics\\t_company_resettingUserPassword.md",
      "headings": [
        "Resetting a User's Password {#t_companyresettingTheUserSPassword .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/userMgt/topics/t_company_resettingUserPassword.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/userMgt/topics/t_company_unlockingUserAccount.md:chunk-0",
      "title": "Unlocking a User's Account {#t_companyunlockingTheUserSAccount .task}",
      "content": "# Unlocking a User's Account \n\nIf a user's SES account is locked, preventing the user from accessing SES, you can unlock the user's account if appropriate.\n\n1.  Click **Manage Users** on the homepage.\n\n    \n\n2.  Click **Manage Users** in the top right.\n\n    \n\n3.  Search for the desired user.\n\n    **Important:** You must click **Search**. Pressing the **Enter** key does not generate search results.\n\n4.  Select the name of the user whose profile you want to update.\n\n    \n\n5.  Select **Unlock Account**.\n\n    \n\n6.  Click **Next**.\n\n7.  Click **Unlock Account** > **Close**.\n\n    \n\n**Parent topic:**Managing Company User Accounts\n\n**Related information**  \n\nUpdating a User's Profile\n\nUpdating Company User Roles\n\nResetting a User's Password\n\nResetting a User’s Multi-factor Authentication \\(MFA\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\userMgt\\topics\\t_company_unlockingUserAccount.md",
      "relative_path": "maps\\SES\\chapter\\userMgt\\topics\\t_company_unlockingUserAccount.md",
      "headings": [
        "Unlocking a User's Account {#t_companyunlockingTheUserSAccount .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/userMgt/topics/t_company_unlockingUserAccount.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/userMgt/topics/t_company_updatingTheUserSProfile.md:chunk-0",
      "title": "Updating a User's Profile {#t_companyupdatingTheUserSProfile .task}",
      "content": "# Updating a User's Profile \n\nA user's profile includes the user's name and contact information.\n\n1.  Click **Manage Users** on the homepage.\n\n    \n\n2.  Click **Manage Users** in the top right.\n\n    \n\n3.  Search for the desired user.\n\n    **Important:** You must click **Search**. Pressing the **Enter** key does not generate search results.\n\n4.  Select the name of the user whose profile you want to update.\n\n    \n\n5.  Select **Update User Profile**.\n\n6.  Click **Next**.\n\n7.  Update the necessary fields.\n\n8.  Click **Update User Information**.\n\n    \n\n**Parent topic:**Managing Company User Accounts\n\n**Related information**  \n\nUpdating Company User Roles\n\nResetting a User's Password\n\nUnlocking a User's Account\n\nResetting a User’s Multi-factor Authentication \\(MFA\\)",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\userMgt\\topics\\t_company_updatingTheUserSProfile.md",
      "relative_path": "maps\\SES\\chapter\\userMgt\\topics\\t_company_updatingTheUserSProfile.md",
      "headings": [
        "Updating a User's Profile {#t_companyupdatingTheUserSProfile .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/userMgt/topics/t_company_updatingTheUserSProfile.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/userMgt/topics/t_company_updatingUserRoles.md:chunk-0",
      "title": "Updating Company User Roles {#t_companyupdatingUserRoles .task}",
      "content": "# Updating Company User Roles \n\nThe roles assigned to each user determine the user's access to the SES system and what tasks the user can perform. The User Roles page also allows you to grant access to Consumer Complaints for the user.\n\n1.  Click **Manage Users** on the homepage.\n\n    \n\n2.  Click **Manage Users** in the top right.\n\n    \n\n3.  Search for the desired user.\n\n    **Important:** You must click **Search**. Pressing the **Enter** key does not generate search results.\n\n4.  Select the name of the user whose profile you want to update.\n\n    \n\n5.  Select **Update Roles**.\n\n6.  Click **Next**.\n\n7.  Update the **Roles**.\n\n    **Note:** If you want the user to have access to SES Consumer Complaints, select **Yes**.\n\n    \n\n8.  Click **Update Roles** in the bottom right.\n\n**Parent topic:**Managing Company User Accounts\n\n**Related information**  \n\nUpdating a User's Profile\n\nResetting a User's Password\n\nUnlocking a User's Account\n\nResetting a User’s Multi-factor Authentication \\(MFA\\)\n\nSES Company User Roles Matrix",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\userMgt\\topics\\t_company_updatingUserRoles.md",
      "relative_path": "maps\\SES\\chapter\\userMgt\\topics\\t_company_updatingUserRoles.md",
      "headings": [
        "Updating Company User Roles {#t_companyupdatingUserRoles .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/userMgt/topics/t_company_updatingUserRoles.html",
      "snippet": null
    },
    {
      "id": "maps/SES/chapter/userMgt/topics/t_company_userAccount_MFAreset.md:chunk-0",
      "title": "Resetting a User’s Multi-factor Authentication \\(MFA\\) {#c_company_userAccount_MFAreset .task}",
      "content": "# Resetting a User’s Multi-factor Authentication \\(MFA\\) \n\nMulti-factor authentication is required for access to SES. Use this procedure to reset a user's MFA if required.\n\n1.  Click **Manage Users** on the homepage.\n\n    \n\n2.  Click **Manage Users** in the top right.\n\n    \n\n3.  Search for the desired user.\n\n    **Important:** You must click **Search**. Pressing the **Enter** key does not generate search results.\n\n4.  Select the name of the user whose profile you want to update.\n\n    \n\n5.  Select the row of the desired user from the results.\n\n    \n\n6.  Select **Reset Multi-factor Authentication \\(MFA\\) Credentials \\(e.g., Google Authenticator, Symantec VIP, etc.\\)**.\n\n    This resets all of the selected user’s MFA methods.\n\n7.  Click **Next**.\n\n8.  Click **Reset Multi-factor Authentication**.\n\n    \n\n9.  Click **Confirm**.\n\nThe user can set up a new MFA method \\(e.g., Google Authenticator, Symantec VIP, etc.\\) to log in to SES.\n\n**Parent topic:**Managing Company User Accounts\n\n**Related information**  \n\nUpdating a User's Profile\n\nUpdating Company User Roles\n\nResetting a User's Password\n\nUnlocking a User's Account\n\nActivating Your Okta Account for SES\n\nRegistering with Google Authenticator\n\nRegistering with Symantec VIP",
      "file_path": "C:\\Users\\kylez\\Projects\\vibe-code-101\\claude\\hf_rc_chat\\webhelp-responsive\\maps\\SES\\chapter\\userMgt\\topics\\t_company_userAccount_MFAreset.md",
      "relative_path": "maps\\SES\\chapter\\userMgt\\topics\\t_company_userAccount_MFAreset.md",
      "headings": [
        "Resetting a User’s Multi-factor Authentication \\(MFA\\) {#c_company_userAccount_MFAreset .task}"
      ],
      "html_link": "/docs/maps/SES/chapter/userMgt/topics/t_company_userAccount_MFAreset.html",
      "snippet": null
    }
  ]
}